Reports

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July 2009

"Cash for Clunkers" legislation took effect on August 1. It was such a popular program that it ended on August 24.

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Using Credit Cards Wisely During Today’s Tough Economy

July 2009

Used wisely, credit cards enable consumers to manage cash flow and leverage their overall buying power. Today’s tough economic times, however, have put pressures on financial institutions, businesses, and individual consumers. These pressures have given rise to ongoing changes in credit card account terms and rates being made by a number of card issuers. Such changes may in turn increase financial pressures on many card holders. Cash-strapped consumers squeezed by higher costs or employment woes may be tempted to bridge cash shortfalls by charging expenditures, even for necessities such as food and gasoline. The resulting cycle of increased debt can be down right dangerous to personal financial stability. This report provides some strategies for using credit cards wisely in today’s tough economic circumstances.

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Cell Phone Scams!

We’re cruising along in the car listening to music. My buddy gets a phone call:

“Last warning: your car insurance warranty is about to expire! Press ‘1’ to talk to a representative,” the voice says. Without thinking, my buddy presses “1” and looks lost while listening to what the person on the phone has got to say.

Wait a minute; he suddenly remembers he doesn’t even have a car!

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June 2009

New Credit Card Law: What does it mean for you?