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The 1st Annual Boulder Summer Conference on Consumer Financial Decision Making was held June 27-29, 2010 in Boulder, Colorado. In this video, conference speakers share how the conference provided an opportunity for exchange of ideas among researchers in different fields working on problems of consumer financial decision-making. Speakers include: – Best-selling author Dan Ariely, James B. Duke Professor of Behavioral Economics, Duke University – Janis Pappalardo, Department of Consumer Protection, Federal Trade Commission – Eric J. Johnson of Columbia University Marketing, – Susan Woodward, Co-Founder Sand Hill Econometrics, Former Chief Economist at HUD and SEC – Robert Hall, Stanford University, President of American Economic Association – John Lynch, Director of Center for Research on Consumer Financial Decision Making, University of Colorado, Leeds School of Business. Consumer welfare is strongly affected by household financial decisions large and small: choosing mortgages; saving to fund college education or retirement; using credit cards to fund current consumption; choosing how to “decumulate” savings in retirement; deciding how to pay for health care and insurance; and investing in the stock market. In all of these domains, consumers are often poorly informed and susceptible to making serious errors that have large personal and societal consequences. Basic research in judgment and decision making, psychology, consumer research, behavioral finance, and behavioral …
Video Rating: 0 / 5

Salt Lake City, UT (PRWEB) January 18, 2012

Rod A. Smith, founder of The Green PolkaDot Box (GPDB) was pleased to provide a sports and nutrition message along with healthy snacks and one adult and one youth basketball team to help support the AMP Athletics 3 on 3 Basketball fund-raising tournament. The Green PolkaDot Box, a new online buying collective membership club, provides families with affordable access to healthy, natural and clean foods and products from their organic products warehouse in Spanish Fork, Utah. AMP Athletics is a non-profit corporation founded to provide opportunities for children who have the desire to participate in athletics but are limited because of finances. GPDB shared healthy and delicious snack options at the AMP Athletics 60-team basketball fund-raising tournament at the Salem Hills High School, located near The Green PolkaDot Box organic food warehouse in Spanish Fork, Utah.

The Green PolkaDot Box, newly launched in December, is a national company based in Utah, was honored to provide healthy snack options for 600 athletes and their families. Organic Snacks options being offered at the fund raising basketball tournament included dried fruit, coconut water and gluten-free, organic snacks. The Green PolkaDot Box also sponsored two basketball teams, a company team and the only all girls youth team entered in the tournament.

GPDB founder, Rod A. Smith, says that with 41 million American kids playing competitive sports it makes sense that 78 percent of U.S. families more than ever before are starting to include some organic foods in their diets, according to CNN and a study recently published by the Organic Trade Association.

American families who want to eat well and live well are often limited by lack of affordable resources, says Rod A. Smith. The Green PolkaDot Box gives members access to clean, organic foods at up to a 60 percent savings, making it more affordable than ever for families to invest in sports-nutrition based eating habits. AMP Athletics helps fund children who want to participate in sports. Together, we hope to educate children and their parents who love sports, about healthy food options that afford them the opportunity to play healthier!

According to Ryan Bowler, many parents in the United States cannot afford to pay for school lunch let alone to pay for their kids to play sports. He says 38 percent of students, over 215,000 children in Utah alone, are receiving free and reduced school meals. Ryan and his wife Amanda founded AMP Athletics to help families with the additional costs associated with sports so more families would have the opportunity to sign their kids up for the sports and activities they love. The AMP Athletics 3 on 3 Basketball Tournament fund raiser model is their way of helping children while involving people and sponsors in the sports they love.

AMP Athletics wants to make sports programs affordable to all children who have an interest, says Ryan Bowler, AMP Athletics founder. We are pleased that The Green PolkaDot Box would join us to share an affordable sports and health message which will help all families support our youth in living healthy and active lifestyles.

AMP Athletics believes kids can learn discipline, hard work, communication, positive conflict resolution, and other life skills through sports that they may not learn by sitting around at home. AMP Athletics believes when children are denied the opportunities to get involved in sports due to lack of finances they miss out on life skills they learn that help prepare them to lead productive lives. Their goal is to AMPlify the lives of underprivileged children by enabling them to participate in sports facilitating their physical, emotional, and social development. http://www.ampathletics.org.

Rod A. Smith and his family created The Green PolkaDot Box online buying club as a result of their efforts to eat better, after being faced with a diet-related health issue. Their goal to find affordable, organic, and non-Genetically Modified Organism products led to the formation of The Green PolkaDot Box (GPDB) which now provides affordable organic and clean foods and products directly to the homes of their rapidly growing membership of over 12,000 families nationwide. http://www.greenpolkadotbox.com/rod.

The Green PolkaDot Box is an online buying collective membership club that provides the lowest pricing on organic, natural and other healthy food products through partnerships that obtain the best pricing from manufacturers and growers and deliver directly to consumers in any Zip Code. A family business, founded by Rod A. Smith, the Green PolkaDot Box does not carry any products that contain harmful ingredients, including foods that are known to be genetically modified. The GPDB annual membership program includes both club and reward memberships; the latter offering a referral rewards program to help consumers earn their healthy food purchases. Both membership types feature a FREE delivery option on purchases over $ 150. Learn how the GPDB referral rewards program helps consumers earn their healthy food purchases. http://www.greenpolkadotbox.com/rod.

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www.ConsumerFinance.gov A quick video introduction to the Consumer Financial Protection Bureau (CFPB). The central mission of the CFPB is to make markets for consumer financial products and services work for Americans—whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products. ACKNOWLEDGEMENTS Voiceover: Ron Howard Symbols: Jonothan Jarvis [newmediators.com The Noun Project [www.thenounproject.com Sound FX from freesound [www.freesound.org users: Gniffelbaf CGEffex xdrav SpyrosCh zerolagtime rfhache Transcript: Now the story of a market that fell apart, and the new consumer agency that’s charged with putting it back together. When you shop for a consumer financial product or service—whether it’s a home loan, a credit card, or a student loan—how do you know you’re getting the best deal? After wading through all the advertising and page after page of fine print, side-by-side comparisons can be hard. That lack of clarity makes it all too easy to end up with a deal that doesn’t work for you and your family. This has real-life consequences—for you and for the whole economy. For years, the financial system has been loaded with more and more dangerous loans, including millions of risky and unaffordable mortgages. Many government agencies supervised different parts of the system, making it nearly impossible for people to hold any one agency accountable. This fractured and outdated system was slow to adjust to …
Video Rating: 4 / 5

US President Barack Obama is moving to install the head of a new consumer financial watchdog, after Republicans blocked the nominee. Despite angering Republicans, Obama says he has an obligation as President, to do what he can do without Congress. Fighting for the election. President Barack Obama visited Ohio on Wednesday to focus on the current health of the US economy, and to appoint the country’s new consumer financial watchdog. Information provided by cctv.com Thank you www.cctv.com To watch CCTV News 24 live news feed click here: english.cntv.cn www.youtube.com
Video Rating: 5 / 5

Los Angeles, CA (PRWEB) January 14, 2012

CashNow.net is proud to announce free educational resources and the redesign of its homepage. It has become harder and harder for people to manage their finances responsibly and handle debts. As an answer to their problems, the online payday loan industry has flourished and has constantly improved its services to increase the effectiveness of payday loans as financial tools. The latest addition to CashNow.net, free and informative articles now educate consumers in a pressure-free way before they even apply for a loan.

CashNow.net wants its customers to get the most possible use out of their loans and avoid defaulting and late fees, says CashNow.net spokesperson Hanna Wellman. By making expertly written articles detailing every aspect of payday loans available to everyone free of charge, we can ensure the ideal payday loan experience and the greatest customer satisfaction.

Immediately upon opening the homepage, users will see links to a variety of new articles written by the team of financial experts at CashNow.net. Because we know time is important when consumers need cash now, these articles can be read quickly and are easy to understand. They serve to educate consumers on the numerous important details of payday loans and the process of taking one out. Readers can, for example, learn about how the rates and fees for their loan are dictated, or some of the best ways they can spend their loan funds.

It is a well-known fact that consumers have less lending options since traditional sources have toughened the requirements for taking unsecured loans. Moreover, bad credit history makes it even harder to take out a loan for handling immediate necessities.

The loan process on CashNow.net is simple and fast. It has minimal requirements and no credit check. The application form is user-friendly and takes little time to complete. Plus, consumers can take advantage of all these benefits without having to leave their home, and the entire application process is absolutely free of costs.

The network of lenders from CashNow.net are experienced, trusted and have a great reputation in the market. The consumer has at their disposal a fast and convenient loan process that can be accessed any time. Consumers avoid losing time by running from one lending company to another to find the best deal, and they are able to receive the money they want exactly when the funds are needed.

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President Obama discusses the importance of protecting American consumers by making sure that banks, mortgage companies, loan providers, and other financial services providers play by the rules. January 6, 2012.
Video Rating: 3 / 5

Professor Elizabeth Warren explains why America needs a Consumer Financial Protection Agency. July 16, 2009. Cambridge, Massachusetts, USA
Video Rating: 4 / 5

Chamber backs off attack on consumer protection panel
By KEVIN G. HALL WASHINGTONAfter doggedly opposing the creation of the Consumer Financial Protection Bureau in 2010, then fighting all last year to change its composition, the US Chamber of Commerce softened its stance Thursday. …
Read more on Kansas City Star

New consumer financial watchdog agency gains power after Obama appoints …
WASHINGTON — With its first chief now in place, the new Consumer Financial Protection Bureau will start enforcing rules aimed at reining in abusive mortgage servicers, student lenders and payday-loan companies. It will be months, though, …
Read more on Washington Post

Research and Markets: Innovations In Consumer Finance 2011 Study Provides an …
The Innovations in Consumer Finance global briefing offers insight into the size and shape of the Consumer Finance market, highlights buzz topics, emerging geographies, categories and trends as well as pressing industry issues and white spaces. …
Read more on PYMNTS.com

Would you be interested in selling your jewelry to get fresh cash fast? Well, living in this difficult economic condition sometimes makes you experiencing cash shortage because your income is probably not enough to cover all of your needs. If you want to be able to cover all of your living needs, you will likely need to get fresh cash fast. To get fresh cash fast, you can simply consider selling your jewelry. As you know, your gold or diamond jewelry has high values. If you sell them, you will likely receive lots of money.

As a matter of fact, in your attempt to sell gold scottsdale to get fresh cash fast, you must be considerate and careful in order to make sure that you can get maximum values for your jewelry. In this case, you must manage to sell your jewelry at the right time. As you seemingly have noticed, there are times when gold or diamonds have the highest values. If you sell your gold or diamonds jewelry at such time, you will surely be able to receive maximum values. Then, you must manage to sell your jewelry to the right buyer. It is a fact that different jewelry buyer usually offers different deal. Some buyers probably have higher offers than other buyers. You just need to shop around to find a buyer that has the highest offer.

Moreover, you can also consider jewelry loans as a way to get fresh cash fast. You can get such loan easily since almost all gold and diamond buyers also offer loans. You just need to find a gold buyer if you are interested in obtaining loan using your jewelry. Therefore, if you are currently looking for a way to get fresh cash fast, you can simply consider selling your jewelry or obtaining loan using your jewelry.

Austin, TX (PRWEB) January 04, 2012

In the first Homes.org weekly mortgage rate report of 2012 it’s clear that some of the factors affecting rates last year will continue on, while new contributing factors are already beginning to crop up. While rates remain low it is unclear whether this year will top 2011 which had the lowest mortgage rates in history, according to Bankrate.com.

Due to the holidays last week had less economic activity than usual resulting in little affect on mortgage rates, though they did rise slightly last week. However, as of today mortgage rates have dropped back down again despite lagging U.S. bond sales.

Current interest rates are:

???????? 3.94% – average rate for a 30-year fixed rate mortgage

???????? 3.28% – average rate for a 15-year fixed rate mortgage

Last week the Initial Jobless Claims report showed that claims were higher than expected but not enough to cause movement in the mortgage markets. More important for rates was the Pending Home Sales report which showed pending sales were up 7.3%. This came after the National Association of Realtors November Existing Home Sales Report which found the same results and noted that dropping sales prices are causing more activity in many markets.

This week the Fed will release the minutes of their last meeting which may give insight into what they have planned in the near future that could possibly be affecting interest rates. There will also be another Initial Jobless Claims report on Thursday followed by the December Jobs Report on Friday.

Other factors that will affect the movement of mortgage rates this week include ongoing actions to stabilize the EuroZone’s economy as well as watching to see whether Iran hinders the flow of oil resources through the Straight of Hormuz which would decidedly affect the U.S. economy. In the first day of trading for 2012 U.S. bond sales were down compared to previous weeks, and as noted in previous reports lower bond sales translates into higher interest rates.

To find more information on mortgage rates, search homes listed for sale and real estate resources, please visit: Homes.org

About Homes.org

Homes.org is a fast growing real estate search portal that offers users much more than MLS listings. Homes.org gives users access to a rich collection of resources, including but not limited to, real estate listings, home owner finance tools and home service tools. Homes.org brings buyers, sellers and renters important information about the current markets and intelligent tools by partnering with real estate professionals from around the country. Homes.org is a subsidiary of Star Nine Ventures, Inc. headquartered in Austin, TX.

About Star Nine Ventures?

Star Nine Ventures? is an Austin-based, marketing-driven venture creation company targeting a wide range of national business-to-consumer online marketplaces. Star Nine’s core mission is to build businesses that provide exemplary consumer experiences and unparalleled customer service.

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Fort Lauderdale, FL (PRWEB) December 23, 2011

The leading bad credit loans and services site ReallyBadCreditOffers.com has updated the recommended personal loan offers entering into 2012. The site provides visitors an easy location to compare recommended lenders for people with bad credit at a glance, connecting borrowers with hard to find lending resources. These high risk loan offers can provide the access to quick cash that is often needed to get out of a financial jam. The higher rates for these loans are usually justified by the easy qualification standards of the lender and fast funding capability offered to borrowers unable to get approved for traditional funds.

We work to simplify the process of getting a personal loan for people with bad credit by doing the research and providing the consumer with the lenders and information to make the right decision in the quickest amount of time, said Ariel Pryor, a financial expert from the site.

When personal loans are used wisely, they can bridge short term money problems providing income and enabling consumers to keep their financial obligations current.

Pryor added that, By paying bills on time you can often save money by avoiding penalties, fees, repossessions, and service shut offs that can occur when you fall behind.” The site expects 2012 interest rates to rise, and recommends taking measures to fix money matters now before borrowing costs increase even further.

In an effort to provide the best offer recommendations, ReallyBadCreditOffers.com updates the loan offers as new quality services become available. Additionally the site provides a number of do-it-yourself credit repair guides at no cost, ranging from a declaring bankruptcy guide to advice on how to buy a house, in order to help people to begin to rebuild their credit reputation to make future borrowing cheaper.

Consumers often question the validity of paying high interest rates to get a personal loan, but when the alternatives are considered, a personal loan can really help to provide immediate relief when used wisely. If consumers are working to restore their credit and they come up a little short, it can be a better financial choice to get quick cash that can keep them current on their credit payments and avoid costly penalties associated with missing bill payments.

Its a fact that credit scores are used to determine a persons credit worthiness, but it is important to note, that even people who are financially responsible can fall on hard times through no fault of their own. The poor credit score offers are specifically aimed at this type of consumer, namely, one that needs a little help to get back on their feet.

“We are in the second chance business, helping good people get back on their feet,” said Pryor. The site can provide people the assistance that they need to get back on track with their finances and make it through challenging economic times.

About ReallyBadCreditOffers.com

The leading online resource for people with bad credit, the site works to connect people who have a difficult time getting approved with the best offers that can help get them on a firm financial footing. In an effort to help consumers save time and money it provides comparisons ranging from personal loans for bad credit, credit repair, debt consolidation services and bankruptcy information at a glance.

Contact:

Ariel Pryor Financial Expert

http://www.reallybadcreditoffers.com

(520) 344-2001

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