Funeral Costs

Funeral costs include: 1. Basic services fee for the funeral director and staff The Funeral Rule allows funeral providers to charge a basic services fee that customers cannot decline to pay. The basic services fee includes services that are common to all funerals, regardless of the specific arrangement. These include funeral planning, securing the necessary Read more…

What Type Of Funeral-Burial Do You Want?

Understanding Your Funeral And Burial Options Every family is different, and not everyone wants the same type of funeral. Funeral practices are influenced by religious and cultural traditions, costs and personal preferences. These factors help determine whether the funeral will be elaborate or simple, public or private, religious or secular, and where it will be Read more…

More On Funerals And Federal Law

The Funeral Rule – Federal Consumer Law Most funeral providers are professionals who strive to serve their clients’ needs and best interests. But some aren’t. They may take advantage of their clients through inflated prices, overcharges, double charges or unnecessary services. Fortunately, there’s a federal law that makes it easier for you to choose only Read more…

What Is An Identity Theft Report?

Managing Your Credit – What is an Identity Theft Report? An Identity Theft Report is a police report with more than the usual amount of detail. The Identity Theft Report includes enough detail about the crime for the credit reporting companies and the businesses involved to verify that you are a victim—and to know which Read more…

Preventing Identity Theft – Credit Freeze

Identity Theft – Credit Score Access – Credit Protection Many states have laws that let consumers protect their credit by allowing the credit bureau to “freeze” their credit – in other words, letting a consumer restrict access to his or her credit report. If you place a credit freeze, potential creditors and other third parties will not Read more…

Identity Theft- Who Do You Report The Theft To?

Consumer Resources – Identity Theft You can file a complaint with the FTC using the online complaint form; or call the FTC’s Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.  Be sure to call the Hotline to update your complaint if Read more…

Identity Theft- Close The Suspect Accounts

Close the accounts that you know, or believe, have been tampered with or opened fraudulently. Call and speak with someone in the security or fraud department of each company. Follow up in writing, and include copies (NOT originals) of supporting documents. It’s important to notify credit card companies and banks in writing. Send your letters Read more…

Trading For Dollars. Online Pawnshops Offer Cash and Loans.

Beware of Pawnshops – High Interest – Unfair Terms A new kind of gold rush is quickly unfolding at jewelry stores and pawnshops across America. With gold prices toping $1,000 an ounce, it should come as no surprise that workers, retirees and workers from all walks of life are mining for their old gold and Read more…