In spite of relatively slow inflation, the cost of buying all the gifts in “The Twelve Days of Christmas” has risen by more than six percent this year, according to the PNC Financial Services Group’s Christmas Price Index.
Highest ever Christmas Price Index
Each year PNC adds the current costs of all the gift items mentioned in the iconic Christmas song, “The Twelve Days of Christmas,” including drummers drumming, pipers piping, Lords a-leaping and maids a-milking. That total cost came up to $107,300 this year, an increase of 6.1 percent from 2011. It is also the highest price-tag on the twelve gifts [...]
One survey shows lower prices
A Bank of America Merrill Lynch report claims eating out is less expensive than eating at home. The study focuses mostly on how most people are choosing to spend their time, saying that the time savings from eating out are worth more than the time it takes to prepare meals. Over the past few years, restaurant prices have been going up between 1.5 and 2.5 percent per year; supermarket prices are going up about 6 percent per year. More people are choosing to use their extra time to pick up additional work, rather than cooking their [...]
Information required for a bad credit installment loan
To apply for a bad credit installment loan, you will need to provide the following information:
Age. Must be 18 years of age to apply.
Must be a legal U.S. citizen.
Must provide current address.
Verify identity with social security number.
Employed for at least the past three months.
Loan agencies require this information because it is government law and/or simply because it is a way for the loan agency to protect its own interest.
Why do I need a bad credit installment loan?
A bad credit installment loan is a type of loan that’s specifically designed for people with bad [...]
A 529 plan is any college-savings plan set up under Internal Revenue Code 26 Section 529. The tax code allows for tax-advantaged college savings plans administered by state governments. These plans are usually tax-deferred, meaning that the money put into these accounts is not taxed extra and the money taken out is usually not taxed if used for higher education expenses. Each state has a different type of 529 plan available. 529 plans can be set up in two different ways: pre-pay tuition “credits” for in-state colleges or pure dollar-amount investment savings. A 529 savings plan is, simply put, a [...]
Many people are in search of ways to cut costs on weekday meals, and a crock pot is a great solution. The best meals from a crock pot take just minutes to throw together and use inexpensive ingredients, and crockpots themselves cost less than a meal out. No matter what you like to eat, a crock pot can mean a complete meal with less than 20 minutes work.
The basics of best meals from a crock pot
A crock pot is basically a counter top braising oven. Braising is a cooking method that uses low heat and moisture. Choosing recipes that turn [...]
MasterCard and Visa payment processor had a “massive security breach.” The data breach reportedly could have compromised up to 10 million credit card numbers.
The data breach
According to the warning MasterCard and Visa sent out to banks last week, a processor’s credit card data was compromised. Both Track 1 and Track 2 data was revealed. Credit cards generally carry personal information in multiple ways to ensure that the card is more difficult to counterfeit. Since both Track 1 and Track 2 data was revealed in the security breach, which means that full credit cards can be duplicated with the data.
Banks and [...]
Consumer confidence and the stock market often take markedly different paths. The Consumer Confidence Index, fueled by a brightening employment outlook, finally rose to levels and is above and beyond expectations. The stock market, on the other hand, is still unstable as investors are still dealing with the European debt crisis and escalating hostilities between North and South Korea.
Consumer Confidence Index report
The Consumer Confidence Index report from the Conference Board, a research group based in New York, said its Consumer Confidence Index rose to 63.3, up from a revised 57.7 reading in April. Economists surveyed by Thomson Reuters had expected [...]
Pay for working stiffs barely moves
Though the news of accelerated hiring was considered a sign of a possible return to health for the economy, real wages are still in the gutter for most people. Average wages have been barely growing, increasing by 0.7 percent for all workers in the same period, according to Bloomberg. Wages differ from earnings, as earnings are money received and wages are rates at which people are paid.
Middle-income Americans have struggled as real wages and real estate values have plummeted in the past few years. Businesses are reluctant to give raises or hire new employees, and [...]
When do you need money? When your car breaks down only when your broke, when super-discount airline tickets are no longer discounted, when you’re out of cash until payday? Have you ever drained your checking account but forgotten to pay the one bill that should have been paid before all the others? Small cash loans are perfect solutions for problems like these. They’re quick and easy to get, quick and easy to pay back, and you can use the extra cash however you want.
Even with the economy getting better job hunting can be a real challenge across America. So where is the best and worst place to live when looking for a job? Read on to find out if you are located in the right or wrong city.
Job search differs from city to city
The job hunting experience differs vastly from city to city. After unsuccessfully struggling to find steady work in Los Angeles for a year, I moved to a much less populated city in Washington a couple of years back. I was rewarded by finding employment almost immediately. As it turns out, [...]
The Fannie Mae Loan Quality Initiative
The Loan Quality Initiative is a mortgage loan quality control measure enacted to cut down on Fannie Mae foreclosures. In most cases the Fannie Mae Loan Quality Initiative requires lenders to pull a borrower’s credit report a second time at closing. If the borrower has applied for credit since the mortgage loan was approved, the resulting change in the debt-to-income ratio could squash the deal.
Fannie Mae’s Loan Quality Initiative means lenders will be checking up on mortgage borrowers until the day they close. People who extend their credit to purchase a new washer-dryer or furniture [...]
Being on any tech support phone call can be very difficult — but would “shibboleet” may be the passcode to an easier time? Unfortunately, shibboleet is not a super-secret backdoor passcode for tech support. The hebrew-based word, however, can be considered uniquely appropriate for its new chosen use.
Shibboleet on XKCD
If you have never read the comic XKCD, it is a “webcomic of romance, sarcasm, math, and language.” The hand-drawn stick figure comic tends to cater to the more tech-minded of the internet. The comic put “shibboleet” to the forefront. According to the dream the comic character was having, saying shibboleet [...]
The study in question, conducted by the Pew Research Center and TIME Magazine, said that up 40 percent of Americans think marriage is becoming obsolete . However, the people who provided that answer didn’t define how they meant it — for instance, it’s unclear whether they meant they thought it was obsolete, or thought it was becoming that way due to societal trends. There are some glimmers of hope for marriage in the study.Of the already married subjects of the survey, more than 80 percent reported their marriage was as good, if not better, than their parents’ marriage. Of married [...]