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Experian Survey Gets Inside Consumers’ Heads

1897Lack of cash flow and overspending are the top reasons for people getting into credit card debt, and more people generally feel optimistic about their financial futures than last year, even though most of them aren’t saving sufficiently for retirement.

Those are just some of the insights from a recent survey by financial bloggers, who partnered with credit bureau Experience to get inside people’s heads and find out what makes them tick when it comes to money.

Katie Ryan O’Connor, an editor at the personal finance bog Get Rich Slowly, said that while the survey showed an increase in the number of people saying they felt more financial confidence than they did the year before, the majority of respondents still said they felt less secure, or the same amount of security, as last year. “In a time of economic recovery and expansion, this is something we all need to pay attention to,” said O’Connor.

Good news from the survey included the fact that 53% of those polled said they are confident they ...

Love And Money Survey Finds That Talking About Finances Is Good For Your Relationship

1893Everyone knows that communication is key in relationships. And it’s also a well-known fact that talking about money is one of the biggest causes of fights between couples. So what to do? Should you talk about everything except for money, in hopes of avoiding a fight?

Not according to a recent survey by TD Bank, which found that couples who regularly discuss money are happier in their relationships than folks who save those thorny money talks for a few time a year ¬– or less.

The second annual TD Bank Love & Money Survey found that young people are the best at talking about money with their honey. Seventy-four percent of folks ages 18-35 said they talk about money with their significant other once a week, at least. Nineteen percent said they talk about it at least once every month. And almost half of them (48%) said they talked about money with their partner before they even went on their first date. How can this be? The people who talked money before that first encounter met each other online and cha ...

Amex Survey Finds Back To School Spending On The Rise

Amex Survey Finds Back To School Spending On The RiseParents’ wallets will feel lighter than ever this fall.

Families with kids heading back to school this fall are spending more than last year, according to the American Express Spending & Saving Tracker. The annual Amex report found that folks would spend an average of $1,642 per family on back to school shopping this year, which is up from $1,239 last year.

The increase in spending was chalked up to longer supply lists, and also to parents’ readiness to buy more this year. “While looking at trending data on this topic from the past five years, 2016 is showing the largest year-over-year increase for back-to-school shopping,” said American Express vice president of consumer lending, Jed Scala. “This may be attributed to an ever-evolving back-to-school shopping list, and perhaps, parents’ ability and willingness to spend mor ...

Mastercard Lends A Hand To Chinese Students

Mastercard Lends A Hand To Chinese StudentsThis back to school season, Chinese students are getting some help from Mastercard, thanks to a program called Plastiq.

Plastiq lets cardholders use local credit and debit cards to pay their school tuition in the United States, and is the first online payment service of its kind. It was created to help Chinese students studying overseas, who might be struggling with issues such as limited payment methods, currency exchange, and other obstacles that come with the territory when away from home.

China sends many students overseas for school; the country represents 31 percent of the total amount of international students in the United States. India sits at number two, comprising 14 percent of the international student population, and South Korea is in third place with seven percent.

Paying for tuition is one of the worst headaches for students – and the b ...

Study Highlights Security Concerns On Public Wi-Fi

55If you use public Wi-Fi to look at your bank accounts and credit card statements, you might want to think twice before logging in. A new campaign from AARP is alerting the public to the risks involved with using unsecured Wi-Fi networks to access sensitive personal information.

The “Watch Your Wi-Fi” campaign tells folks how they can protect themselves from hackers and would-be identity thieves. A survey done by the AARP Fraud Watch Network showed that close to half of all consumers in the US log on to an unsecured public Wi-Fi network at least once every few months. A little over one-third of them have shopped online with a credit card, more than a third have done online banking, and over 70% have used public Wi-Fi to access their email and social media accounts.

Frank Abagnale, AARP’s Fraud Watch Network Ambassador, said that although free public Wi-Fi is convenient, it’s best used for general Internet-surfing, reading the news, or checking the weather forecast. “People too often put themselves a ...

Cash Is America’s Favorite Investment

1872When it comes to investing, it seems that people prefer cash – if they don’t need the money back very soon.

A recent survey indicates that cash investments are among the most popular types of investments among folks who don’t need their money back for more than 10 years. Fifty-four million Americans answered the survey, and 23% said that cash was the best investment they could make, if they didn’t need the money right away.

Along with cash, real estate is a hugely popular long-term investment. One-quarter (25%) of those surveyed wanted to invest in real estate. Stocks, precious metals, and bonds were all rated less well, with bonds especially unpopular, only scoring a 5% popularity rate.

But financial advisors warned that these statistics do not indicate a smart investment strategy. “While cash investments are entirely appropriate for short-term needs, such as an emergency fund, they are completely inappropriate for long-term investment horizons,” said the chief financial analyst of the f ...

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