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French: The Most Productive People In The World

French Riviera

A new survey from UBS has shown that the French continue to work the least amount of hours per year in the world. Once again, the French have blown away the competition.

People work an average of 1,902 hours per year in the surveyed cities but they work much longer in Asian and Middle Eastern cities… People in Lyon and Paris, by contrast, spend the least amount of time at work according to the global comparison: 1,582 and 1,594 hours per year respectively.

Upon seeing this data, some might criticize the French for being lazy, but that misses the point completely. The real message here is that the French are likely some of the most productive people in the entire world.

Austan Goolsbee – Credit Card Bill Kicks in August 20, 2009

Austan Goolsbee of President Obama’s Council of Economic Advisers talks about the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009 – also known as the Credit Card Bill of Rights – which he worked hard on and which kicks in today. Watch the video to get a taste of the types of credit card headaches you won’t have to deal with anymore.

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August 21, 2009 | Filed Under Credit Cards | Leave a Comment

Using A CARS Rebate? Know Your Rights First

CASH FOR CLUNKERS

Jim decided to take advantage of the Cash For Clunkers program and trade his Crown Victoria in on something a little more fuel-efficient. Unfortunately, the dealership where he bought the car wasn’t quite ready to handle one of the most frightening of all creatures: an informed consumer. They counted on their customers to not fully understand all of the program’s rules.

Phishing Scams in Plain English

August 11, 2009 | Filed Under Security | Leave a Comment

Best Coupons Sites for Online Shopping

So you’ve got to have the latest and greatest gadget, or item for your significant one’s birthday, or you’re treating yourself.

This is the strategy that we suggest in order to find the best bargain around:

Decide WHAT you want, brand, model # etc. . .
Find the 3 BEST prices around, make sure to include:
Look for online coupons. The BEST sites that we reccommend are (look in each and every site):
Calculate your final cost including price, S&H, sales taxes, and your new found coupon.

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{Photography by Matt McGee}

August 9, 2009 | Filed Under Budget | Leave a Comment

Top 10 Recession-Related Scams

Radio Check

Learn to Recognize the Scams and Share Them With Vulnerable Friends and Relatives

The National Consumers League is warning that recession-related scams continue to flourish, as desperate consumers look for ways to make a buck.

The most worrisome schemes are those that promise people an easy way to make some extra money. NCL says the timing is terrible, because at the same time fraudsters are striking, many government watchdog agencies are thinning their staffs for budget reasons.

Here are some of the most common recession-related scams. Learn to recognize them and share them with more vulnerable friends and relatives.

Top 10 Most (& Least) Prestigious Jobs in America: How Much They Earn and How to Land Them

goldfish

Though most people probably don’t grow up wanting to be a farmer, a minister, and especially a caterpillar — a farmer and a minister are in fact considered by many people to be some of the most prestigious occupation in America. On the other hand, while occupations such as being an actor and entertainer may seem glamorous, these are not occupations that are held in high regard by the American public. Below, you will find a list of the ten most (and least) prestigious jobs in America, how much they earn, and you how may land them.

The 10 Most Prestigious Jobs in America

The following jobs listed below are considered by well over half of Americans to have “very great” or “considerable” prestige; unsurprisingly, many of them are also some of the most difficult jobs in terms of training, educational requirement, and work environment.

Fake ATM Doesn’t Last Long at Hacker Meet

ATM

Criminals running an ATM card-skimming scam made a big mistake this week: They tried to hit the Defcon hacker conference in Las Vegas.

As the conference was kicking off a few days ago, attendees noticed that at ATM placed in the Riviera Hotel, which plays host to the annual event, didn’t quite look right, according to a senior conference organizer who identified himself only as Priest. “They looked at the screen where there would normally be a camera,” he said. “It was a little bit too dark, so someone shined a flashlight in there and there was a PC.”

The ATM looked like a working system, but when people would put their cards in the machine, it would scan their card information and record the PIN numbers they entered. He didn’t know how long the ATM had been at the Riviera.

Conference organizers notified local law enforcement who hauled away the machine on “Thursday or Friday,” said Priest, who said he works as a “civil servant” in his day job.

Credit card skimmers — small devices installed on top of card readers to steal information — and fake ATM machines are a common problem. Once the criminal records the card information and PIN number, he can use that to create a fake ATM card and then empty the victim’s account.

DefCon: ‘Credit Hackers’ Win the Credit Card Game … Legally

Hacking

Hundreds of “credit hackers” are legally gaming financial institutions by taking advantage of loopholes in the U.S. credit-reporting system, a security researcher says — warning that identity thieves could follow suit.

Christopher Soghoian, a fellow at Harvard’s Berkman Center, took a security expert’s eye to the tricks already in use by a healthy subculture of clever consumers who have managed to garner zero-interest loans and erase some information from their credit profiles. He’s presenting his findings Saturday at the DefCon hacker convention.

“The techniques outlined in this paper are not traditional hacking,” he said in an interview. “All that is being done is taking advantage of the formalized structure of the process.”

In his paper (.pdf), Soghoian highlights several approaches perfected by the credit hackers.

In one ploy, the consumer generates a massive amount of quick credit by carefully timing simultaneous applications from different lenders. This takes advantage of the fact that it takes several days for an inquiry to appear on a consumer’s credit report, leaving issuing banks blind to the parallel applications.