Fair dealing

USAA Credit Card 101 When it comes to choosing a credit card, it’s imperative that you choose a credit card that will benefit you overall. With the average credit card debt totaling $5,700, the credit card you choose can easily make or break you. Many budget-conscious individuals understand how credit cards can affect them. However, they also recognize credit cards are important to their budget. With this in mind, they are selective about which credit card they choose, and, of those who qualify…

Senator Hugo Black of Alabama, wrote the Fair Labor Standards Act (FLSA) that was signed into law in June 1938 ("Fair Labor Standards Act," n.d.). FLSA was created to “put a ceiling over hours and a floor under wages" by limiting long work hours to a 40 hour work week, a minimum wage of 40 cents an hour, and restricting most child labor. The FLSA affects the wages, overtime pay, and child labor standards that affect both full time and part time employees. These standards are closely monitored…

To continue, another area of concern is your credit. Once you are an identity theft victim, you will have to worry about your credit report. If the thief is able to run up a significant credit card debt in your name and you don’t notice till years later it could demolish your credit score. We covered a story that showed this where a mother stole her daughters’ identity and left her finances and credit in crumbles. Most often than not the credit card bills will go unpaid and it will only lower…

Elena Isac Professor Pavlik English 102 1 November 2014 “Buy it now and pay for it later” When it comes to buy a car we usually have a very luxuries taste that our wallet can’t afford. But we buy it. We use credit cards everyday; either to pay at the grocery store for food, online merchandise from other countries, or to pay the tuition for the school. However, not too long ago the credit cards were used only to pay for specific merchandises. According to Nancy Shepherdson “Credit Card America”…

0 (a) The arrears rate for all (BTL) mortgages shows the total (BTL) number of mortgages over three months in arrears as a proportion of the total (BTL) number of outstanding mortgages. Data are semi-annual up to end-2007 and quarterly since then. Non seasonally adjusted. (b) The possessions rate for all (BTL, owner-occupied) mortgages shows the total (BTL, owner-occupied) number of properties taken into possession over the preceding twelve-month period as a proportion of the total (BTL,…

Identity Theft According to Dictionary.com, identity theft is the the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. To have your identity stolen is an unfortunate event; it can also change your entire life for the worse. Identity theft is very common, especially with the increase in technology, and can easily happen to someone if precautions are not taken. There are a variety of ways to use as protection to try to prevent it from…

The Minimum Wage Cooper, D. (2013, May 10). The Case for Raising the Minimum Wage. The author started his article by stating that the minimum wage was first performed in 1938 to ensure that the lowest paid workers still receive sufficient level of pay. At its peak in 1968, the minimum wage was close to $10 an hour in today's dollars. However, we left the lowest paid workers behind by lowering the minimum wage today to $7.25, which is not enough to live on. Full time minimum wage workers earn…

Entering the adult world a few people have no clue what a credit score is until it is time to apply for a loan or they need to buy a new car. A credit score is the number lenders look at to approve and decline your application for credit. For example, when searching for a mortgage company to purchase a new home your credit must qualify before you are approved. Credit scores range from three - hundreds in the mid eight - hundreds. Many factors’ contribute to a low credit score, several you have…

During the housing crash of 2008, nearly fifteen million Americanhome and propertyowners lost their homes to foreclosure, according to stats listed by Bloomberg in 2009. In order torebuild and/or rebound after a financial loss, like what took place in 2008, takes some time and a lot of attention to the detail of the requirements needed to bounce back. There may be a lot guilt or even loss of confidence because of losing your home. You will need to at least rent a home or apartment. After…

Loans deals with is the high amount of money that the company loans each year. Political and legal factors that Quicken Loans has faced was becoming the defendant in a class action lawsuit in 2004. Employees accused Quicken Loans for violating the Fair Labor Standards Act and failing to compensate them for overtime work. In 2011, a federal judge ruled in favor of Quicken Loans. The demographic aspect of Quicken Loans includes where the organization takes place and who has access to it. Quicken…