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National Foundation for Credit Counseling? Encourages Consumers to Know Their Rights During National Consumer Protection Week


Washington, DC (PRWEB) February 28, 2015

National Consumer Protection Week is being observed from March 1-7, and the National Foundation for Credit Counseling® (NFCC) is participating by connecting consumers to resources that can improve their level of financial protection.

“Consumers who are informed about their rights have an advantage over those who don’t,” said Bruce McClary, spokesperson for the NFCC.

The following tips can help people learn more about managing their personal finances while protecting themselves from scams and abusive practices:

Know the consumer rights associated with debt collection. During the past five years, the Federal Trade Commission (FTC) has filed legal action against 180 debt collection agencies. Threatening phone calls, abusive language, calling at odd hours, and revealing account information to others are among the ways that some debt collectors are violating consumer rights. All consumers should be familiar with the rules that protect their rights in these situations. The FTC offers information about the Fair Debt Collection Practices Act (FDCPA) at http://www.consumer.ftc.gov/articles/0149-debt-collection. If consumers feel their rights have been violated by a debt collector, they can contact the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/complaint/#debt-collection.

Review credit reports every year. Credit reports are not only the gateway to loans, mortgages and credit cards, but are often reviewed by landlords, cell phone providers and utility companies. The report reflects a person’s financial track record, and can strongly influence a lending decision. Routinely reviewing credit is the best way to stay on guard. Consumers can access a free copy of their credit report once every 12 months from each of the three bureaus, Experian, Equifax and TransUnion, by going to http://www.AnnualCreditReport.com.

Get to know credit card protections. Many people don’t realize that certain protections are part of their credit card agreement. For instance, the Fair Credit Billing Act allows consumers to seek a refund if a product purchased was unsatisfactory. Cards may also offer return protection and extended warranties. There are many Federal laws in place to protect consumer rights when interacting with a credit card company. For a list of credit protection laws, go to https://www.federalreserveconsumerhelp.gov/learnmore/consumer-credit.cfm#CreditCards.

“Being uninformed or misinformed about basic consumer protections can leave a consumer vulnerable to financial abuse”, continued McClary. “Those who take the steps to learn about their rights are in the best position to make healthy financial choices.”

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The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior and build capacity for its members to deliver the highest quality financial education and counseling services. NFCC Members annually help millions of consumers through more than 600 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit http://www.nfcc.org.







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ESA Details Top Six Items Stolen During Home Burglaries


Irving, Texas (PRWEB) August 19, 2014

Studies show which burglars usually spend no multiple minute breaking into a house plus fewer than 10 minutes inside. Although they function fast, burglars have a keen eye for useful possessions. The FBI reports which every house burglary victim suffers a typical of $ 2,188 inside property reduction.

To find out that products are probably to be amidst a burglar’s loot, the Electronic Security Association (ESA) looks to a latest research entitled, “Understanding Decisions to Burglarize within the Offender’s Perspective.” The analysis, that is based about interviews with 422 incarcerated burglars, sheds light about what motivates burglars to commit offences. Below are the best six many coveted possessions based on the 2012 research.

6. Clothing plus Shoes

Carrie Bradshaw isn’t truly the only 1 that loves her income dangling inside the wardrobe where she will see it: Americans do, too. According to the Bureau of Economic Analysis, U.S. customers spend a typical of $ 1,700 a year or 2.72 % of their annual money about their wardrobes. Regarding 18 % of burglars reported which they frequently rummaged from victims’ closets looking for clothing plus boots. And, it’s okay when the boots don’t fit; regarding 31 % of offenders mentioned they might invest the money gained throughout a crime to buy dresses (inside their own size).

5. Prescription Drugs

It’s bad enough which 40 % of home guests acknowledge to snooping by the homeowners’ medication cabinets, however, burglars are even worse. Half of the burglars interviewed mentioned which when inside a house, they are found on the lookout for prescription drugs. And, they seldom come up empty-handed. A latest report yielded by Mayo Clinic plus Olmsted Medical Center revealed which almost 70 % of Americans take at minimum 1 prescription drug, over 50 % take 2 plus 20 % take five or even more.

4. Electronics

Additionally to TVs plus stereos, the average U.S. home owns five web-enabled devices plus six percent own over 15 equipment. With many high-tech goods sleeping about the average house, it’s no question which almost 64 % of convicted burglars mentioned which they’ve taken electronics throughout a burglary. Although the simplest equipment to grab are smartphones, laptops, cameras plus pills, ambitious burglars usually pull a flat-screen TV off the wall or aid themselves to a desktop computer.

3. Illegal Drugs

More than half of offenders (51 percent) indicated which their top factors for committing burglaries were associated to their have to get drugs or the funds to buy them. While it’s unclear how countless U.S. homes stow illegal drugs, almost 66 % of burglars told scientists which they stole illegal drugs from victims’ homes. It’s not an exaggeration to state which countless perpetrators weren’t inside their proper minds; around 73 % of respondents mentioned they utilized drugs and/or alcohol whilst engaging inside a burglary.

2. Jewelry

Diamonds can be a girl’s right friend, however they rank next about a burglar’s wish list. From ruby earrings to 14 karat gold watches, jewelry is regarded as the simplest details to market to a pawn store, that makes it a “must steal” item for several crooks. About 68 % of burglars are interested inside getting jewelry throughout a crime plus analysis shows which 78 % really end up nabbing jewels.

1. Cash

Unsurprisingly, an extreme amount of burglars abide by the older adage “cash is king.” While more customers are achieving for a debit or credit card to create purchases, a latest report from Bankrate.com showed which 88 % of Americans nonetheless carry cash. Cold, difficult cash is almost untraceable plus convenient to exchange for goods, that makes it the many coveted plus many stolen item throughout burglaries.

The top six many coveted possessions weren’t truly the only tips divulged by the convicted burglars. Find out what house protection measures stop offenders inside their tracks plus that ones they disregard by checking out the whole research at http://www.AIREF.org.

ABOUT ESA

Established inside 1948, the Electronic Security Association (ESA) is the biggest trade organization representing the electronic existence protection plus protection industry. Member firms install, integrate plus monitor intrusion plus fire detection, movie surveillance plus electronic access control systems for commercial, residential, commercial plus governmental customers. In cooperation with an alliance of section associations, ESA delivers technical plus administration training, government advocacy plus delivers info, information, tools, plus services which members utilize to develop their companies plus prosper. ESA can be reached at (888) 447-1689 or found on the Internet at http://www.ESAweb.org.

ABOUT AIREF

The Alarm Industry Research & Educational Foundation (AIREF) is a tax-exempt foundation serving the electronic safety industry below the auspices of the Electronic Security Association (ESA). Through analysis plus knowledge, AIREF delivers relevant info employed by public protection officials, customers as well as the industry to create communities over the country safer. More info is accessible at http://www.AIREF.org.







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Long Beach Moving Company Presents The Benefits Of Moving Your Household Or Business During Summer Season!


(PRWEB) September 15, 2013

Melrose Moving Company has released a new blog showing the benefits of moving and relocating during the summer season!

The summer season is the ideal time of the year for moving. There are several advantages which will make relocating a house or business a lot easier. The weather is usually clear, days are longer and people have more time.

The weather conditions may not be the best, since it can be very hot, but at least it will not rain often. Rains can cause flooding in some areas and it can make the roads significantly dangerous. Water can also damage your items if the boxes are exposed to rain.

The Summer holiday season can free up a lot of many peoples time. Children are off school and if relocating, they do not interrupt the school year. Also, many people organize garage sales which can boost the moving budget. Clients can also use this opportunity to get rid of objects they do not longer need.

Moving companies are prepared to offer bigger discounts in the summer season so relocating during this period is usually cheaper. Movers can offer great prices for packing and transportation services.

Clients in the Long Beach area who wish to relocate, should consider hiring Long Beach movers. They will pack and transport belongings at great prices! said Russell Rabichev, Marketing Director for Melrose Moving.

Melrose Moving Company is a Los Angeles-based residential and commercial moving company. Originally established in 1999, and has been so popular that the owner started various other moving companies, such as 1 Los Angeles Movers, Movers Los Angeles, and Los Angeles Commercial Movers, all of which are operated by Melrose Moving. The moving company is licensed by the Public Utility Commission (PUC), and has an A rating with the Better Business Bureau (BBB). Melrose Moving accepts cash, checks, credit cards, and Paypal.

For more information, click on http://movingcompanyinlongbeach.com/ . Call now: 1.800.431.3920.


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