Hi All,

So by now you probably know the importance of getting your free credit report once a year.  If not, click on this link which will explain why getting a credit report is important - and its even better when its free! This link is from USA Today and also explains why a credit report is important.

How do you get a free credit report you ask? Great question and here's the answer - click on this link from Annual CreditReport.com.


AnnualCreditReport.com is the official site to get your free annual credit reports.  AnnualCreditReport.com is sponsored by Equifax, Experian and TransUnion - which means that you have a single site where you can ask for all three of your free credit reports.

Enjoy the links and next time I'll blog about why credit scores are important and what the actual numbers (scores) mean.

Regards,
Stu

Money, Money, Money....

Hi All,

I've got a riddle for you.  What is green, everybody wants more of it, some people have a lot of it, and some people don't have a lot of it?   Take a guess...

It's money.  Yep - we all need it to get by in this life and world.  And even though I've shied away from blogging about websites that discuss or cover money over the first few years of this blog...I've recently been writing about it a bit more. 

Today's entry is a poorly named site - Rockstar Finance - but it has lots of good, quality, useful and interesting money/finance/saving related articles.  Rockstar Finance bills itself as 'a collection of awesome money articles'. Basically it finds money and investing and budgeting articles from other blogs and sites from around the web and publishes them...interesting.  And its a good place to find lots of useful and timely money related articles.

There really isn't any index or summary on the site - just a long page of interesting, timely money related articles arranged chronologically. 

There is a category section beneath the top mast of the page though. It has 17 or so categories.  Highlights of these categories include budgeting, building wealth, debt, early retirement, frugality, home ownership, minimalism and retirement.

Examples of the types of articles on the site under the 'budgeting' category include:
Why Car Payments Suck
Everything We Know About Money on Index Cards
The Power of Not Budgeting
20 Things I'd Tell My 20-Year-Old-Self
How MacArthur Geniuses Handle Their Windfalls
3 Tricks I Use to Spend Less....
My 12 Year Old's Secrets to Saving Money

Enjoy the sites and hopefully the advice and ideas will pay off - or at least you'll find the articles interesting and useful.

Regards,
Stu

Consumer Action Handbook

Hi All,

The new, 2014 Consumer Action Handbook (CAH hereafter in this blog entry) is now available for download now.  Readers can download the CAH by clicking on this link.

A good summary of the CAH is that, 'Users can use the Consumer Action Handbook (CAH) to get help with consumer purchases, problems and complaints. Find consumer contacts at hundreds of companies and trade associations, local, state, and federal government agencies, national consumer organizations, and more'

The 2014 CAH is 148 pages long and is divided into 4 parts:
Part I - Be a Savvy Consumer
Part II - Filing a Complaint
Part III - Key Information Sources
Part IV - Consumer Assistance Directory

In the 'Be a Savvy Consumer' section alone the reader will learn about 'Service Contracts and Extended Warranties', 'Identifying and Stopping Fraud', 'Shopping From Home', using 'ATM/Debit Cards', using 'Prepaid Cards', 'Buying a New Car', 'Buying a Used Car', 'Financing', 'Leasing', 'Lemon Laws', 'Car Repairs' and much, much more. 

this part on 'Being a Savvy Consumer' has further sections on 'Credit Reports and Credit Scores', 'Dealing with Debt', 'Paying For College 101' and more. 

The book is 148 pages for a reason! It is extensive, comprehensive and chock full of useful information for consumers of all needs and interests. And it is free!  What a helpful resource!!!!

Other sections that are notable in the 'Be a Savvy Consumer' section include: 'Insurance' - which covers Auto Insurance, Health Insurance, Homeowners/Renters Insurance, Life Insurance and more, 'Privacy and Identity Theft', 'Telemarketing and Unwanted Mail' (National Do Not Call Registry', 'Travel' (Resolving Air Travel Problems, Cruises, Travel Safety) and 'Utilities' (Billing questions and starting Utility Service).

There is one section in particular that users should be aware of: Part III - Key Information Resources contains a list of  various federal agencies that deal with various products.

For example,
 - Animal Products safety hazards are dealt with the Food and Drug Administration
 - Automobile safety hazards are dealt with the national Highway Traffic Safety Administration
 - Consumer Household Product hazards are dealt with by the U.S. Consumer Product Safety Commission.

Finally, 'Key Information Resources' has information regarding Drugs, Cosmetics, Medical Devices, Toys, Baby Products and Play Equipment in this section. 

So there you have it.  A blog entry that might be short on additional links, is very, very long on useful, helpful, time-saving and money-saving information!

Enjoy the free download - and remember that you can access the CAH by clicking on this link!

Regards,
Stu