Posts tagged ‘Offering’

American Consumer Credit Counseling Celebrates 529 Day by Offering Five Useful Tips on How to Save for College

Boston, MA (PRWEB) May 28, 2015

With the cost of college and the average amount of student loans skyrocketing, national financial education nonprofit American Consumer Credit Counseling is celebrating 529 College Savings Day on May 29th by sharing useful tips that will help students make money-savvy decisions and save for school.

Personal finance can be a tough subject for college kids and parents, but it is one that needs more attention. Today young adults are graduating college with more student loan debt than ever. According to a report released by the Federal Reserve Bank of New York in February, student loan debt has climbed to $ 1.16 trillion. The average American college student is now graduating with $ 33,000 in debt, and 52 percent of parents feel it is more important to save for their kids’ college education than their own retirement, according to a recent T. Rowe Price survey.

“As a nation, we are not saving enough for our children’s college tuition,” said Steve Trumble, President and CEO of American Consumer Credit Counseling. “While college is incredibly important for the futures of so many young Americans, figuring out how to pay for it is one of the most difficult challenges facing millions of students and their families.”

A 529 plan is one option for families to save for college. A 529 plan is an investment plan operated by a state or educational institution, with tax advantages and other incentives to make it easier to save for college for a designated beneficiary, such as a child or grandchild. Operating similar to IRA and 401(k) plans, 529 college savings plans allow parents to save for a child’s education tax-free through an array of investment options. There are two types of 529 plans: prepaid tuition plans and savings plans. The plans are named after Section 529 of the Internal Revenue Code and are administered by state agencies and organizations.

In addition to a 529 savings plan, American Consumer Credit Counseling has put together these five tips that will help students and their families save for college and manage expenses during school:

1.    Learn to Budget Now – Developing a realistic and manageable budget is a valuable lifelong skill that is essential for anyone in college, preparing to go to college, or just graduating. Start by using a budgeting worksheet for students to get an accurate picture of your income and expenses. By comparing and contrasting your total income and expenses, you will be able to create a feasible budget plan. By sticking to your budget, you will avoid going into any unnecessary credit card debt.

2.    Beware of Credit Card Debt- Credit card companies target college students because they have little experience managing their money. If you sign up for a credit card, don’t get carried away. Get your payment in by the due date or you’ll be slapped with late fees and create additional debt for yourself.

3.    Work – Consider a part-time job, tutoring, paid internships, and work-study programs to earn and save money while in school. If you’re looking to get an apartment after graduation, make your student loan payments, or relocate for a job, saving for your future will help you in the long run.

4.    Use your Student ID for Discounts – Not only will you need it to enter your dorm, the dining hall, and the library, but your student ID can also earn you discounts at hundreds of retailers nationwide. If you are not sure if a company offers a student discount, just ask. Check out the College Financial Workbook for a full list of discounts.

5.    Be Aware of Your Financial Situation – Too many students graduate from college without any idea of how much they’ll have in student loans, or how much to expect to make at their first job. Make sure you know how much school costs per year, what your parents are covering, what you’ll be expected to cover, and budget for rent and living expenses accordingly.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:

    For credit counseling call 800-769-3571
    For bankruptcy counseling. call 866-826-6924
    For housing counseling, call 866-826-7180
    Or visit us online at

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. In order to help consumers reach their goal of debt relief, ACCC provides a range of free consumer personal finance resources on a variety of topics including budgeting, credit and debt management, student loans, youth and money, homeownership, identity theft, senior living and retirement. Consumers can use ACCC’s worksheets, videos, calculators, and blog articles to make the best possible decisions regarding their financial future. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources, log on to or visit

More Identity Theft Press Releases

Grouplend, Canadas First Online Lending Marketplace, Expands Its Offering Across the Country

Vancouver, Canada (PRWEB) December 10, 2014

Grouplend, Canada’s first online marketplace lender, announced today that it has expanded to serve customers from all provinces across the country, with the exception of Quebec and Nova Scotia.

The model of marketplace lending, or peer-to-peer lending, that the Vancouver-based startup is employing has seen remarkable success in other parts of the world with similar online lenders expected to issue over US$ 6 billion this year in the U.S. alone. Lending Club, the largest of the American contingent, is in the final stages of an IPO that could value the company at more than US$ 5 billion. While the model is new to Canada, it has quickly shown significant traction since Grouplend launched earlier this year.

Much like Lending Club, Grouplend connects investors looking for stable returns on their money with consumers searching for unsecured loans at more affordable rates. Existing entirely online, Grouplend is able to operate more efficiently and at a much lower cost than traditional retail banks that manage multiple branches and rely on manual, paper-based processes.

These cost savings are passed on to consumers in the form of a more affordable alternative to carrying credit card balances and other higher interest personal loan products. Compared to credit cards, Grouplend customers can save 30-70% in interest expense.

“Banking in Canada doesn’t work for regular Canadians anymore,” says Kevin Sandhu, Grouplend’s CEO. “We’re accustomed to high fees, high interest rates, and poor customer service. For years, the sector as a whole has failed to innovate.”

Sandhu’s words are an indictment of an industry that will rake in a record-setting $ 31.9 billion in profit this year between the big five Canadian banks. As the banks’ profits balloon, the picture isn’t so rosy for the average Canadian family. TransUnion reports that the average Canadian consumer will hold over $ 28,000 in consumer and credit card debt by the end of 2014.

“Banks are making a fortune, and they’re taking it right from the pockets of everyday consumers through exorbitant fees and high interest rates on credit cards and consumer loans,” says Sandhu. “Online lenders are an alternative to that. We think responsible, middle class Canadians deserve more affordable access to the money that they need to live their lives.”

He’s banking on the fact that Canadians feel the same way.

About Grouplend:

Grouplend, Canada’s first online lending platform, is challenging the status quo in Canadian banking by offering more affordable rates on personal loans and delivering a friendly, personalized customer experience. The platform uses custom-built technology that allows Canadians to apply and qualify for a loan in under 3 minutes — all without affecting their credit score. Entirely online and easy-to-use, Grouplend makes borrowing refreshingly simple.

IDENtity theft Letter offering protection is legit, BBB says

IDENtity theft Letter offering protection is legit, BBB says
The Better Business Bureau confirms the legitimacy of a letter distributed by Kroll, an identity-theft-protection company, in response to the data breach of Community Health Systems. Recipients of the letter were offered one-year protection against …
Read more on Youngstown Vindicator

Family Identity Theft Is Ugly
Identity theft protection in many cases will help prevent child identity theft. However not all services offer this option. The good news is that child identity theft protection is generally less than $ 50.00 a year per child when the parent invests in …
Read more on Huffington Post (blog)

Better Business Bureau: College ID theft prevention
The Better Business Bureau wants to warn college-age adults of their vulnerability to identity theft and offers tips to secure your information. It's a good idea to have sensitive mail sent to a permanent address such as your parents' home or invest in …
Read more on Victoria Advocate

Credit Umbrella is Offering TurboDispute Credit Repair Business Software at Slashed Prices

Glendale, California (PRWEB) June 20, 2014

Based in Glendale, California, Credit Umbrella has strongly established itself as a reliable source for people who wish to deal with their credit history and credit score related woes with ease and confidence. The company designs, creates and offers highly useful and effective credit repair software (both online and offline), which help businesses and individuals adjust their credit score and make their credit history acceptable. Just recently, the company has announced to offer TurboDispute Online software for an asking price of $ 59.99 only. Earlier, the company was selling this product for $ 149.99, which further means that clients can now enjoy savings worth $ 90 on their purchase.

Speaking about the company’s decision to sell this innovative software at slashed prices, a senior company executive told us, “We, at Credit Umbrella, believe in offering best services to our existing and prospective clients who keep coming back to us for quality solutions for their credit history and credit score related concerns. Accordingly, our customer care representatives listen to the customers’ myriad concerns and after understanding their problems, they suggest the best possible solution to them. We have strived to help our clients to make informed purchases when it comes to buying quality credit repair software at affordable prices. Hence, this time now, we are offering TurboDispute software at discounted prices.”

People find it difficult to manage their credit score and improve their credit history nothing short of a daunting task. When they are supposed to write impressive credit dispute letters, things get more confusing than ever before. TurboDispute software comes equipped with credit dispute letter template, video tutorials, interactive dashboard, drop down menu, and several other user-friendly interesting features. The company further offers sixty days guarantee on the purchase of TurboDispute Online, if in any case, client finds it difficult to manage or operate. If a client is not satisfied with the product, what he or she simply needs to do is ask for a refund. The company ensures to repay the money immediately.

The company executive told us further, “We request our clients to rate the software for its overall usability and ease of use. Over the years, the unique software has helped thousands of individuals and businesses in writing perfect credit dispute letter and drafting accurate credit reports. The software ensures to offer several powerful CRM tools, which are highly useful in managing leads and customers. The software further enables one to create impressive invoices, online chat with clients and import dispute letters with ease.”

The online software further allows individuals and businesses to utilize the various templates of credit bureau dispute letter to create error-free credit reports and to write impressive credit dispute letters.

About Credit Umbrella:

Based in Glendale, California, Credit Umbrella has now become a preferred resource for individuals and businesses to purchase quality credit repair software at competitive prices. The company sells the best credit repair business software and other innovative solutions to interested clients at best prices.

Contact Details:

501 W Glenoaks Blvd STE 805

Glendale, CA 91202

United States

Email: team(at)creditumbrella(dot)com


Chicago Magento Developer Offering POS Integration

(PRWEB) January 06, 2014 (Sales Secret LLC), an innovative Chicago Magento development organization, newly announced it is providing the Magneto Point-of-Sale answer service because a retail administration tool. For stores, this signifies they usually have the ability to take credit cards from anywhere with blazing quick performance numbers; strengthen customer help potency by watching buying carts, acquiring existing consumers inside a database, watching wish lists plus past orders plus painlessly sift by accounts to see clients certain products; pull reports to display what every associate of the sales staff has effectively available plus reduction of separate integration, installation or complicated settings.

On the customer side of the coin, the Magneto Point-of-Sale initiative signifies improved engagement by one-on-one connectivity with a specific store thus their requirements is addressed inside real-time. Further, treatments showcased inside a big detailed gallery view aids consumers with effectively educating them about product attributes plus advantages. Hiring a specialist Chicago Magento developer makes all difference!

Through planning, social media, webpage shape plus information analysis, you have been changing the face of e-marketing, reported Robert Hadland, representative. Then with this Magneto Point-of-Sale program, the game has been taken to an completely different level consumers plus stores could virtually function hand-in-hand for their own objectives.

Blitz Publicity provides their potential consumers six techniques to ignite their sales: Segment their advertising efforts, optimize for mobile engagement, build relationships with visitors, localize whenever potential, act about analytics plus accessible metrics plus cultivate helpful loyalty programs. Through methods like e-mail advertising, Magneto E-commerce, url shape plus even look promoting, Blitz Publicity has been serving their visitors advertising plus development must strengthen their sales plus profitability.

For more info, see or call 888 553-9113.