“Practically everyone loves to spend money, but getting something of lasting value is another matter,” says the nonprofit Institute of Consumer Financial Education (ICFE), a San Diego based group.” Millions of Americans, young and old, routinely take on expensive, short-term credit card debt in order to purchase goods and services that they otherwise normally cannot afford. Most American consumers are wasting 20 to 30 percent of their money just because of poor spending habits, such as not taking the time to comparison shop. It is not just credit-based spending decisions that get people into trouble. Some people, who have either exhausted their credit or ruined their credit rating, have no trouble overspending at all. Many people will also have great difficulty determining on what their money was spent. Remember, an overspender is not just an individual who spends more than they earn; an overspender is also an individual who pays…

Many unscrupulous people still try to take advantage of honest consumers—but you don’t have to be a victim. Look for these warning signs to avoid fraud: You are asked for your bank account or credit card number. Someone you don’t know offers you the chance to receive a credit card, loan, prize, lottery, or other valuable item, but asks you for personal data to claim it. The solicitation looks like a government document and suggests that contest winnings or unclaimed assets are yours for a small fee. (The government doesn’t solicit money from citizens.) Someone you don’t know asks you to send money or money orders to claim a prize, lottery, credit card, loan, or other valuable offer.  An unknown caller claiming to be a lawyer or in law enforcement offers to help you get your money back (for a fee). The deal is only good “for today” or a…

Whether you’re looking for a new vehicle, are an automobile enthusiast, or just want a fun day out with the family, be sure to check out the New York International Auto Show, in town from today, Friday, April 06, until Sunday, April 15 at the Jacob Javits Center. The New York International Auto Show (NYIAS) is America’s first automobile show. It’s been around since 1900 and has grown to hold a place as one of the world’s greatest public shows. Exhibits include nearly every make and model vehicle sold in the U.S. under one roof, so you’re given the unique…