Every day, it seems as if the news is filled with reports of layoffs and job cuts at more and more companies. If you’re concerned about the safety of your own position, the New Jersey Society of Certified Public Accountants (NJSCPA) offers the following steps you can take to recession-proof your situation:
DES PLAINES, Ill.— Residential remodels are no longer those once-in-a-lifetime projects that keep homeowners dreaming years on end before they ever pick up a hammer. Instead, many homeowners opt to do a series of remodels as their schedules, budgets and lifestyles evolve over time, according to the National Association of the Remodeling Industry (NARI).
MOUNTAINSIDE —The Internal Revenue Service reminds consumers to avoid identity theft scams that use the IRS name, logo or Web site in an attempt to convince taxpayers that the scam is a genuine communication from the IRS. Scammers may use other federal agency names, such as the U.S. Department of the Treasury.
STATE—If you have ever escaped from blazing hot sun in a shady spot under a tree, you know how these natural air conditioners can make you feel more comfortable. A mature shade tree can block up to 90 percent of solar radiation, which could translate to a significant reduction in your home cooling cost. A Pennsylvania study found that air conditioning needs could be reduced by up to 75 percent by shading a house with trees!
Like many folks, I recently had an awkward encounter with a debt collector.
Someone had stolen my credit card number and used it to charge a hotel stay. Thanks to my card’s zero liability policy the charges were quickly reversed and I didn’t have to pay anything. But unbeknownst to me, the thief had booked an additional reservation, so my cancelled card was later charged a no-show fee.
Many people are struggling to pay their mortgage as a result of the bad economy. Don’t despair if you are concerned about falling behind on payments. According to the New Jersey Society of Certified Public Accountants (NJSCPA) there may be options available that can help make it easier to keep up with those monthly bills:
During uncertain economic times, everyone is searching for ways to cut spending. Maybe you’ve already started brown-bagging lunch and stopped buying $5 lattes, but there’s no reason to stop there.
PUEBLO, Colo.—When the economy is uncertain, it’s even more important to watch every dime. To help you get the most bang for your buck, avoid credit problems, and resolve shopping hassles, order the 2009 edition of the free Consumer Action Handbook from the Federal Citizen Information Center.
Now that banks have tightened their lending standards, it is more difficult to borrow money —even for those with stellar credit. So what do you do if you need a loan? Many people are turning to friends and family to borrow funds.
CLARK – The summer months are a popular time for family vacation travel. It is also open season for property crimes. Allstate Insurance Company, provides five tips for property protection to help homeowners enjoy a worry-free summer travel season.