43 - The CFPB: Protecting Consumers in the Financial Marketplace

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Andrianna Natsoulas: Don't Cage Our Oceans 40:50

5일 전40:50

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40:50

“That's taxpayer’s money that is going to support research and development and pilot projects to develop a food system that is based on environmental destruction and greed and disregard for animals, fish, and any of the other marine mammals that might be around it.” - Andrianna Natsoulas Andrianna Natsoulas is the campaign director for Don't Cage Our Oceans, an organization that exists to keep our oceans free from industrial fish farms. Offshore finfish farming is the mass cultivation of finfish in marine waters, in underwater or floating net pens, pods, and cages. Offshore finfish farms are factory farms that harm public health, the environment, and local communities and economies that rely on the ocean and its resources. Don’t Cage Our Oceans are a coalition of diverse organizations working together to stop the development of offshore finfish farming in the United States through federal law, policies, and coalition building. And, although it is not yet happening, right now the US Administration and Congress are promoting this kind of farming, which would be nothing short of disastrous for the oceans, the planet and the people and animals who live here. dontcageouroceans.org…

2년 전 25:22

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The Consumer Financial Bureau (CFPB) is one of the newest federal regulatory agencies. Its prime directive is to ensure that financial products offered to you are fair, transparent, and competitive. The CFPB’s jurisdiction includes mortgages, auto loans, student loans, credit cards, credit reporting, and debt collection.

In this episode, a look at the initiatives and proposed rules in the pipeline that you should know about and may want to comment on. Also, how the CFPB is working to eliminate junk fees and how it may be able to help if you feel cheated or deceived by a company it regulates.

81 에피소드

#Business #Consumers Checkbook

Consumerpedia

43 - The CFPB: Protecting Consumers in the Financial Marketplace

Consumerpedia

12 subscribers

published 2년 전

MP3•에피소드 홈

81 에피소드

#Business #Consumers Checkbook

모든 에피소드

Consumerpedia

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80 - Debt Busters: Real-Life Success Stories 29:37

11일 전29:37

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29:37

Americans are piling on credit card debt at an alarming pace, and the unprecedented interest rates on these unpaid balances can be as much as 30% to 35%. No wonder it seems impossible to get out from under it. But with hard work and proper guidance, you can do it. In this episode: Meet two people who were drowning in credit card debt and got their finances back in order. Also, a certified nonprofit credit counselor explains how debt consolidation works and the dangers of using a for-profit debt settlement company. Not a Checkbook member? ⁠⁠⁠⁠ Sign up for a free 30-day trial to access all of our unbiased ratings ⁠⁠⁠⁠.…

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79 - Tips for Buying & Sending Flowers 27:54

25일 전27:54

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27:54

Whether it’s a few long-stem roses or a beautiful bouquet, it’s hard to go wrong with flowers. Sometimes you can find what you want at the supermarket. For special occasions, you might want to visit a florist. In this episode: Where to find the lowest prices on flowers, how to choose a good florist, and the best way to send flowers out of town. Plus, tips on how to keep those flowers looking fresher for longer. Read Checkbook's full report on how to find a florist . Not a Checkbook member? ⁠⁠⁠⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠⁠⁠⁠ .…

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78 - Clothing Rental: Keep Your Wardrobe Fresh for Less 26:19

6 weeks 전26:19

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26:19

Clothing rental has always been a way to dress for less when attending weddings, proms, or other formal events. But the rental market has zoomed beyond tuxes and gowns and turned into an easy way to keep your wardrobe fresh without spending much money. In this episode, we'll share tips on navigating the clothing rental world, including when and how to use fashion-for-hire sites. Plus, what's the environmental impact of renting rather than buying? Read Checkbook's full report on how to take advantage of clothing rental sites . Additional Consumerpedia Episodes: #3: Tricks Sellers Use to Make You Buy Now and Pay Too Much #7: 65 Things You (Probably) Shouldn’t Pay For #26: Sale Prices Are Rarely Real Deals #49: Shop Like a Pro: Checkbook's Top Shopping Tips #57: What Ever Happened to Customer Service? Additional Resources: Alden Wicker’s website and her book: To Dye For: How Toxic Fashion Is Making Us Sick—and How We Fight Back . Not a Checkbook member? ⁠⁠⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠⁠⁠ .…

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77 - Amazon Floods Search Results with Ads 26:40

8 weeks 전26:40

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26:40

Amazon is convenient, but America's second-largest retailer —and most dominant online merchant—too often steers customers toward items it gets paid extra to promote. Our researchers looked for 50 products on Amazon; half of what the retailer showed them were paid promos. In this episode: What's the deal with all these ads? Can you trust Amazon to show you the best products and prices? And is there a way to get rid of these paid promos when shopping? Read Checkbook's full report about ads on Amazon . Not a Checkbook member? ⁠⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠⁠ .…

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76 - Fake Reviews Are Everywhere 26:04

12 weeks 전26:04

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26:04

Great reviews are good for business, so some dishonest companies post fake reviews to boost their ratings. It’s a growing problem. This flood of deceptive reviews makes it challenging to get objective information about the products or services you plan to buy. In this episode: The ways companies can game the system, a new FTC rule designed to clean-up the marketplace, and ways you can spot potentially bogus reviews and testimonials. More Info from U.S. PIRG How to recognize fake online reviews of products and services Additional Resources from Checkbook Shop Safely Online This Holiday Season (and All Year Long) Shop Like a Pro This Holiday Season: Score the Best Prices with Less Stress Don’t Overspend This Holiday Shopping Season Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

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75 - Checkbook's College of Consumer Knowledge #1 20:31

14 weeks 전20:31

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20:31

We've come up with a fun way to celebrate our 75th episode: An old-fashioned radio quiz show, featuring the morning anchors at KIRO Newsradio in Seattle. Dave Ross and Colleen O'Brien are old friends, who have Herb as a regular guest each week, so we had a lot of fun doing this. Play along with Dave and Colleen as they try to come up with the right answers. You might also want to play the online version of Checkbook's College of Knowledge . Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

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74 - Passkeys Provide Better Security Than Passwords 23:30

16 weeks 전23:30

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23:30

No one really likes passwords. Even the best ones are no match for today’s international crime rings. So, the push is on, led by Microsoft, Apple, and Google, to get you to switch from passwords to passkeys. In this episode: What passkeys are and how they work, why they are better than passwords, and how you switch to them on your online accounts. Additional Resources & Consumerpedia Episodes : Why It’s Time to Ditch Passwords and Switch to Passkeys #5: CyberCrime: a Former Cyber Crook Explains How to protect Yourself #11: Stop, Thief! How to Protect Yourself from Identity Theft #48: How Will Scammers Use AI? Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

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73 - Checkbook's Holiday Shopping Tips 2024 30:34

18 weeks 전30:34

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30:34

The hectic holiday shopping season is underway, and for many, that will put a strain on the family budget. Checkbook wants to make this stressful time a little easier. Our annual holiday helper is packed with timely advice: Super shoppers share tips about how they find the best prices and avoid fake sales. Plus, how to avoid gift card scams, stop porch pirates, and spot bogus online shipping notices. Also, the pros and cons of buy now, pay later loans. Additional Consumerpedia Episodes & Resources: Checkbook's Top Holiday Shopping Tips Don't Overspend This Holiday Shopping Season #59: Saving Money at the Supermarket #58: Misleading Marketing Gets You to Buy Now and Pay More #57: Whatever Happened to Customer Service? #52: Shop Safely Online This Holiday Season #26: Sale Prices Are Rarely Real Deals Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

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72 - Finding a Real Estate Agent That's Right for You 32:13

20 weeks 전32:13

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32:13

The process has changed for anyone looking to hire a real estate agent; new rules took effect in August that are designed to bring transparency and competition to the marketplace. Consumer advocates hope agents will be more willing to negotiate their commissions, but the new process and unfamiliar paperwork could create confusion for a while. In this episode: A look at the new rules and what they will mean to both buyers and sellers. Also, things everyone should know when they’re hiring a real estate agent. More from Consumer Federation of America : Consumer Alert: How Home Buyers and Sellers Can Cope with New Real Estate Broker Rules and Practices CFA Releases Criteria for Evaluating Home Seller Contract Forms CFA Releases Criteria for Evaluating Home Buyer Contract Forms More from Ilyce Glink : 100 Questions Every First-Time Home Buyer Should Ask Love, Money + Real Estate Newsletter Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

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71 - Redo Your Kitchen or Bath for Less 26:57

22 weeks 전26:57

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26:57

Kitchen and bathroom renos are the most common home improvement projects—and they can be mighty expensive. If the layout of your kitchen or bath already works for you, and its cabinets and other features are in decent shape, you might be able to save a bunch of cash by doing what’s called a “light remodel.” In this episode, how to decide if light remodeling is the way to go, the savings to your wallet and the environment by going this route, and how to keep most of what you have. Plus, some specific ideas on ways to freshen up kitchens and baths. Read Checkbook's full report on redoing your kitchen or bath for less. Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

Consumerpedia

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70 - How to Save on Prescription Drugs 28:00

24 weeks 전28:00

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28:00

Prescription drug costs in the U.S. are “significantly higher” than in most other countries, according to a report earlier this year from the Rand Corporation. The average American spends more than $1,400 a year on prescription medications, research shows. For many, that expense is a budget buster. Because of the high cost, more than 9 million Americans don’t take their medications as directed, the CDC reports, which could result in serious health consequences In this episode: Why are drug prices so high, and can anything be done about it? Plus, ways you can cut the cost of your prescription meds. About our guests: Lisa Gill is an investigative reporter with Consumer Reports who focuses on health and medicine. Stacie Dusetzina is a professor in the Department of Health Policy at Vanderbilt University School of Medicine. Much of her research focuses on the economics related to prescription drugs. Additional Consumerpedia podcast episodes on health. More from Consumer Reports How to Beat the Rising Cost of Prescription Drugs Online Pharmacies Can Help You Save Big on Prescription Drugs How to Find the Best Medicare Part D Drug Plan Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

Consumerpedia

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69 - Free Airline Stopovers 25:24

26 weeks 전25:24

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25:24

Want to spend a few days in Dublin before going to Munich? Sightsee in Madrid or Lisbon on the way home from Paris or Rome? Maybe break up that long-haul flight to Australia or New Zealand with a few nights in Tokyo or Honolulu? Dozens of airlines (mostly foreign carriers) let you visit two places for the price of one by allowing free stopovers. Book these tickets and you can stay in the hub city for a few days or weeks, and then continue onward to your final destination. In this episode: A look at some of the stopover programs available and how to find them. Plus, tips for anyone planning to buy a plane ticket. Additional Resources: These 26 Airlines Let Flyers Stop Over in Their Hubs for Free Consumerpedia Episode 62: The Travel Show 2024 New Rule Will Soon Require Airlines to Provide Automatic Refunds When Flights Are Canceled or Significantly Delayed Don't Get Left Behind When Your Airline Travel Credits Expire Credit Card Reward Programs Under Scrutiny by Federal Regulators Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

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68 - Rewards Cards 26:58

32 weeks 전26:58

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26:58

Whether it’s points, miles, or cash back, it’s nice to be rewarded for shopping. The lure of “getting something extra” can encourage you to apply for new credit cards and spend more to score those rewards. In recent years, many credit card reward programs have become more complex and confusing, and frustrated cardholders are complaining to federal regulators. In this episode: Should the CFPB create new rules to regulate credit card rewards programs? Also, a close-up look at the most common complaints about airline rewards cards, and how chasing rewards can cost you money. Additional Resources: Credit Cards: How to Choose the Best One Credit Cards Provide Strong Protections for Consumers Saving on Gas: Which Rewards Credit Cards Offer the Best Deals at the Pump? Not a Checkbook member? ⁠Sign up for a free 30-day trial to access all of our unbiased ratings⁠ .…

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67 - Buying Eyewear 20:00

34 weeks 전20:00

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20:00

When it comes to buying corrective eyewear, the choices seem endless—from dozens of contacts to thousands of fashionable frames. Even so, shopping for new specs or contacts can be a major hassle, and it's an expensive purchase. In this episode: Which eyewear stores offer the best advice and service, where to find the best prices on glasses and contact lenses, and who should you see to get your eye exam? Read Checkbook's full report on opticians, optometrists, and buying eyewear. Not a Checkbook member? Sign up for a free 30-day trial to access all of our unbiased ratings .…

Consumerpedia

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66 - Cutting Through the Nutritional Supplements Hype 24:08

36 weeks 전24:08

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24:08

Many Americans are sold on supplements. They’re convinced the “natural ingredients” in these non-prescription products have powerful health benefits that can prevent diseases, make us feel better, and slow down the effects of aging. But can you trust what’s in the bottle, and the marketing claims used to sell this stuff? In this episode, we focus on the false claims, bad science, and marketing tricks often used to sell dietary and nutritional supplements. Plus buying advice for those who choose to take these products. Additional Resources: UC Berkeley Wellness Letter: A Guide to Dietary Supplements CSPI Nutrition Action Newsletter : Why the supplement aisle is the Wild West How supplements distort science to sell Tricks of the trade: Are supplement companies playing you for a fool? Truth in Advertising (TINA.org) : Jury Hands Down a Verdict in Prevagen Deceptive Marketing Case Consumer Alert: Hair Growth Products Cow Colostrum Supplements What You Should Know about Apple Cider Vinegar Supplements Not a Checkbook member? Sign up for a free 30-day trial to access all of our unbiased ratings .…