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Consumer Credit Counseling Service announces more help for student loan borrowers

Image from page 231 of “Strawbridge & Clothier’s quarterly” (1882)
consumer credit
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Identifier: strawbridgecloth02stra
Title: Strawbridge & Clothier’s quarterly
Year: 1882 (1880s)
Authors: Strawbridge & Clothier
Subjects: Department stores Mail-order business Clothing and dress Fashion Home economics Clothing and dress Consumer goods Dry goods
Publisher: [Philadelphia : The Company]
Contributing Library: Philadelphia Museum of Art, Library
Digitizing Sponsor: Lyrasis Members and Sloan Foundation

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Text Appearing Before Image:
y looks as if it wasstem stitch most care-fully done. Anotherspread is made of creamwhite sateen, with orna-ment in tints almostapproaching lavendershades, and with aborder of plush of aharmonizing tint. Crashand linen momie clothare also used for bed-spreads, and are elabo-rately decorated. Alinen momie cloth hasfor its design a large leafand flower pattern. Thestems are done in looseKensington stitch increwels, and the leavesare not only outlined,but filled-in with parallellines, an eighth of aninch apart. The leaves are large and haveirregular spots in long stitches of lightergreens worked in them to break then-monotony. , The flowers are filled-in withlayers of filoselle by making loops of it aninch long and fastening them down with astitch of filoselle at the upper end, whichis in itself ornamental. This linen momie cloth coverlet is veryeffectively finished with a broad band ofolive plush. iM.tilda G. 230 STRAWBRIDGE <^ CLOTHIERS QUARTERLY. fV- ^ .■ v-V^^VWH- V. –

Text Appearing After Image:
declared that it re-llected great credit up-on the bright lady whogave it to them. She cares nothingabout the fame thaimight follow her dis-covery ; but hopes, foithe sake of her friends,that her vinegar willbecome as universallyknown and valued asit deserves to be.M. B. H WOOL ROSES. EMBROIDEREDLAMBREQUIN. The handsome lambrequin withcolored and Spanish lace embroidery, the design for which is given inthe illustration, is made upon olive greenfelt, when the Spanish lace embroidery isused; while for the colored embroidery anapplique of velvet of the same shade isused. The fine silk cords that finish off thevelvet applique, are of old-gold and olive-green, and are united by light blue cross-stitches. The embroidery on the velvet hassatin appliques, and is done with split filo-selle silk. The large figure in the middlehas a yellow applique at the point, whichis covered by gold threads crossing eachother. In the centre is- a brown applique, andat the top a pale blue applique. The twolowe

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Consumer Credit Counseling Service announces more help for student loan borrowers
As 2016 unfolds, student loans continue to be a source of angst for many area residents. A report released last week by Generation Progress stated student debt continues to climb and millions more have defaulted, with no solution in sight. Forty-three …
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Consumer credit boom seen in Vietnam as economy recovers
Financial firms and commercial banks providing this kind of service still largely ignore the outskirts of towns and rural areas, where there is a large number of people who don’t qualify for banking loans and who are potential customers for consumer …
Read more on The Nation

Arrest Made In Consumer Credit Union Robbery
CCU Robbery. Sun File Photo by O.J. Early Law enforcement officials respond to an armed robbery at the Consumer Credit Union in Mosheim on Dec. 10. robber 4. Posted: Wednesday, January 6, 2016 8:07 am. Arrest Made In Consumer Credit Union …
Read more on Greeneville Sun

Latest Consumer Credit News

Shareholders sack CEO of Lithuania’s biggest consumer credit company after
After the Bank of Lithuania revoked the licence of 4finance, the country’s leading consumer loan company, last week, it said it would contest the decision. Less than a week later, however, the company’s shareholders sacked its general manager Gediminas …
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Consumer Credit Card Debt Near ‘Unsustainable’ Levels: CardHub
If they keep it up, CardHub estimates consumers will end 2015 with a net increase of $ 68.5 billion in credit card debt, “putting us perilously close to a tipping point at which balances become unsustainable and delinquency rates skyrocket,” according …
Read more on ThinkAdvisor

Full Recovery Predicted for Consumer Credit Markets
Full Recovery Predicted for Consumer Credit Markets. by Darren Waggoner. DEC 9, 2015 6:19am ET. TransUnion predicts that the consumer lending market will have fully recovered by the end of next year from both the mortgage crisis and the recession that …
Read more on Collections & Credit Risk

The Uberization of Consumer Credit

The Uberization of Consumer Credit
Money, keyboard and hand on computer mouse Thought leaders say the Uberization of Everything will include money and credit, transforming buying and selling, financing and payments. Uberization cuts out gatekeepers and middlemen, allowing direct …
Read more on Westlaw Insider (blog)

US Consumer Credit Rises Billion in October
U.S. consumers borrowed more heavily for auto and student loans in October, taking out debt that helps them find jobs and commute to work. The Federal Reserve said Monday that consumer borrowing rose $ 16 billion in October to $ 3.5 trillion. But the …
Read more on ABC News

Local and federal officials investigating armed robbery at Consumer Credit
MOSHEIM, TN (WJHL) – Greene County Sheriff’s Office deputies responded to an armed robbery at a credit union on West Andrew Johnson Highway in Mosheim at around 9:40 a.m. on Thursday. Greene County Sheriff Pat Hankins said deputies are currently …
Read more on WJHL

Consumer or Green Citizen?

Robert Reich’s ‘Divided Mind’

Robert Reich was the guest on NPR’s All Things Considered a few days ago. The occasion was the release of his new book, ‘Supercapitalism’. His point, about the divided mind of the consumer and citizen really caught my attention. We are all two people, according to him. A consumer at the mercy of capitalism, and a citizen at the service of democracy. The consumer has taken over, and the citizen is no longer doing its job. We need to reevaluate our priorities and work on strengthening our democracy.

The challenges of being a good green citizen

This whole business of consumer versus citizen takes a special significance in the current environmental battle. Robert Reich made the following argument, which I had also made earlier in my blog. You may be willing to take all the steps to become a good green citizen, but how do you know that you are not going to be just one amongst a small minority? In which case, you run the risk of making all these sacrifices for nothing. In the absence of a federated effort amongst citizens, that lets you know that we are all in it together, nothing is going to change, you have very little incentive to take action.

The power of green networks

Not too long ago, I wrote a post about the power of small acts and individual action. I even called Rosa Parks to the rescue. I was trying to convince myself that whatever I do, no matter how small, does matter. Robert Reich called my bluff. The real truth is, I am a consumer first, and something is going to have to happen at the collective level, in order for the green citizen in me to spring into real action. Maybe all the green social networks are on to something, after all?

Marguerite Manteau-Rao is a blogger, ecopsychologist, and green girl wannabe. Since April 2007, she has chronicled her hours as a green girl wannabe in La Marguerite, her blog at:

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UKs October mortgage approvals likely to rise and consumer credit to be flat

UKs October mortgage approvals likely to rise and consumer credit to be flat
UK’s Net consumer credit for the month of October is expected to be same as that of previous month at 1.3, as expected by the market consensus. The Net Lending Sec. on Dwellings in September stood at 3.6. UK’s mortgage approvals for the month of …
Read more on EconoTimes

US Consumer Credit Jumps, Signaling More Confidence in Economy
Americans quickened their pace of borrowing in September, a sign of confidence in the economy amid low gas prices and a strong dollar. Outstanding consumer credit, a reflection of nonmortgage debt, rose $ 28.9 billion, or at a 10% annual rate, in …
Read more on Wall Street Journal

Consumer Rights and Protection

Of course, this is not to say that problems with consumer protection have been eliminated. But when a product is found to be unsafe, we have a sophisticated system of recalls and alerts that go out over our media. In this way, that the damage and danger from inferior product is vastly minimized from what it might have been.

Consumer rights and protection are an important area of focus for manufacturers and merchants. These laws have a high level of importance for merchants and that drives up quality control and inspection even before the government or legal systems get involved. That is because the outcome of a recall or product failure, especially if that failure leads to injury or death of a consumer, can be devastating both to the individual merchant or company involved and to the market it serves that placing a high priority on quality is as much about market survival as it is about ethical behavior by companies.

What can we as consumers expect in the way of our rights and the protections we deserve as being part of this economy? It breaks down to what we consider to be the basics of the contract that is implied when we give someone money for a product or service

* We expect to be able to use the goods safely with no possibility of immediate harm or long term illness as result of using the product.

* We expect the product to perform according to reasonable expectations based on what the product was promoted to do both on the package and in advertisements.

* We expect to pay what the product is advertised to cost. We do not accept changes in price after that price is advertised or surprise costs to be added on that we weren’t expecting.

* If a product fails to deliver the service it was advertised to deliver, or is found to be flawed in any way, we expect the merchant to refund or replace the product promptly and courteously.

* In the case of food, medicines or other consumables, we expect the product to be made of the highest levels of quality and to be reasonably fresh and usable.

* We expect the merchants involved in the sale of the product to stand behind the product with guarantees from the retail merchant all the way to the manufacturer.

We have not come up with this list of rights and protections on our own. These are the minimum standards prescribed by our laws to assure that the consuming public can trade with merchant in any kind of product and service and be treated with the same minimum levels of professionalism and quality assurance.

From the merchant’s point of view, you might think these high standards of consumer rights and protections would be a burden. But in fact, these laws protect both the consumer and the merchant. That is because these laws make it possible for the buying public to engage in commerce with any merchant that is authorized to do business with confidence.

Consumer protection laws make an active marketplace possible which benefits both consumers and merchants equally. So complying with consumer protection laws is not just essential from a legal point of view. It makes good sense for merchants to comply fully and perform above expectations in terms of their ability to deliver quality product to their customers. It just makes good business sense.

Elizabeth Winter assists individuals and families in exploring solutions that offer successful transitions for each individual as they create a new life direction. Elizabeth Winter is a Phoenix, Arizona Lawyer

Understanding the Consumer List

Business consumers are part of the everyday life of a small business owner and they are an invaluable section of their particular company. For example explanation, these are the lifeblood associated with the company because they are those who keep these organizations alive by purchasing products and services from all of these businesses. Organizations also provide an opportunity to develop if they gather sufficient consumers to let all of them purchase their particular items. So just how can a business amass these types of amounts of customers?

Organizations could possibly get consumers become interested due to their wares by using various advertising and marketing strategies to their sales campaigns. Through these advertising and marketing methods, these lenders have the ability to pique the passions of these target customers. This business results in the customers buying the merchandise or services associated with company and in the end contributes to the company developing the enhance in the incoming flow of earnings. It is known that there is no one these days that can kindly everybody. Once you understand this, just how can a company attract or pique the passions of the greatest range consumers? We already fully know that making use of marketing and advertising strategies enables make even more consumers, yet not everybody is contemplating their particular goods. And so the smartest thing that a company can perform will be first understand their particular marketplace. The prospective marketplace is the set of individuals and companies that could have the greatest interests in terms of a specific product or service. Like, IT providers can target consumers that tend to be technology savvy because they realize that these types of individuals are the absolute most likely lot of people to buy their products and services. The next thing for those businesses is always to research the people who fit into the sounding their plumped for target audience. To achieve that efficiently, companies should buy a consumer list from legitimate lead providers.

What is a customer listing?

Fundamentally speaking, a consumer listing is a database that holds entries of a certain group of fresh company product sales leads that’ll have the greatest interests when it comes to buying a specific product or service. Within our example earlier on, because the IT company already knows that they wish to target these technology savvy customers, they are able to buy a consumer list that holds email address about these individuals. This makes product sales to generate leads campaigna good deal simpler to do and manage. Additionally, business can save up on a lot of time looking for prospects as they can today proceed to the next phase of their marketing plan, and that’s to properly be considered these prospects. How the business plans to use this consumer number is exclusively as much as them. The list is extremely versatile in terms of usage for various marketing strategies. For instance, companies can hold direct-mail advertising and marketing promotions towards these customers or hold telemarketing programs to especially target customers located in their purchased database. Contrary to popular belief, purchasing this record is certainly not an expense but it is thought of as a fantastic financial investment to the company. The essential difference between the 2 is that a cost are those items that don’t have any benefits that can be attained with all the buy, whereas assets have lots.

These types of benefits when purchasing this kind of number for a company’ marketing and advertising promotions are:

• Create an amazing boost towards company’ rate of earnings
• Save an immense period of time doing 1st levels associated with the to generate leads processes
• Entries within the number are already neatly classified and sorted when it comes to business; convenience
• companies are able to entirely know and realize their marketplace

Alice Clark is a sales and advertising consultant specializing in company contact database administration. Alice invites one to go to for more information on company contact listings and databases.

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New Consumer Values and Changing Consumer Behavior – How to Talk to Today’s Consumer

Changing consumer behavior is being attributed, in large part to new consumer values. The emerging narrative is, quite literally, taking over the conversation between consumers and corporations trying to catch their attention. We are all familiar with the themes. Green, sustainable, community, connection, consciousness, globalism and so on. Sounds like we can all congratulate ourselves on being a more enlightened people but I’m having a hard time swallowing it.

What are these new values and what relationship do they really have with how we spend our money and develop brand loyalty? I think that values are self defined, self endowed virtues that we use to positively interpret our own behavior. Badges, as it were, invented by our aspirations and pinned, by our ego’s, onto our identities where they shine for all the world to see. The gap between the energy we are prepared to invest in defending our values and the effort we make actually employing them is so broad as to make it clear that values are both deeply important to us yet entirely optional from a practical standpoint. They are permissive and don’t carry the performance requirements of, say, principles which must always be applied to hold true. On a list of needs to wants, values would fall into the “nice to have” section.

By way of illustration, as if a good hard look at all of our own personal lives wasn’t enough, consider how enraptured we are with stories of self sacrifice and lofty deeds. This is because they are the heroic tales of values actually winning out over self interest and that is rare indeed. Values allow us to positively interpret our self interested behavior so it is no surprise that they have come to dominate the narrative between business and the consumer. What is surprising however is that more people don’t recognize that this narrative is somewhat of a “tea party conversation” that skirts the real, if less flattering, motivations behind our choices. That does not make the narrative any less useful as it pertains to branding, marketing and communications in general, but it does mean that it is only part of the picture. It makes sense for corporations to fill in the blanks if they want to address the real concerns and motivations of their customers.
So what are consumers experiencing right now? How do they feel and what are their new values an expression of? What do they need or want to hear from business to address the actuality of their lives in these highly volatile and transitional times? There are no definitive answers to these questions but they are the questions that companies need to be asking themselves if they want to engage in the values narrative with consumers in a way that also connects with their stronger, more basic motivations.

I think the values that are emerging are all, ultimately, based on a nation wide sense of uncertainty. To put it bluntly; Fear. Fear of what exactly? Grossly simplified; fear of scarcity and fear of threat. Scarcity (or the recognition of it, despite being the first law of economics, has only very recently shown up in the American consumer psyche. For the first time we are realizing that our consumption habits are unsustainable and do not support our long term, or even sort term, well being. Realization did not come in the form of enlightenment but in the growing cost of, food, fuel, housing and so on. The impact of climate change, water and air pollution and the growing prevalence of things like asthma, autism, allergies and so on in our kids has strengthened our grasp on the concept of scarcity. Our rational response is to conserve and ration. The value system that validates that behavior is environmentalism and sustainability. The values are very real but they are not our primary motivator. We are, on a much more primitive level, afraid of running out of the things that we rely on.

The second set of values are based are a response to perceived threat. A convergence of events has made us feel exposed and vulnerable. We have come under attack and lost our sense of security within our boarders. We have had to relinquish the moral high ground and seen our economic superiority threatened by the rise of India and China. Our economy went from very strong to very weak in an extraordinarily short period of time to the very real economic detriment of millions of Americans. Our, once again, completely rational response is to develop somewhat of a wartime mentality. To gather together and form communities. To be more tolerant and less arrogant towards our neighbors whose strength is growing relative to our own. The primary motivator is fear and the value system that it represents is all about relationships, engagement, diplomacy, tolerance, community, connectedness and globalization. Probably the best expression of this shift is the election of Barack Obama to be President. We put aside old prejudices and a value system structured around superiority and replaced it with one that fits better with conditions over which we have no control and no choice but to adapt.

So in conclusion, I would suggest that changing consumer values are the symptom and not the cause of changing economic, social and environmental conditions. Corporations seeking to connect with consumers today should absolutely engage in the values narrative but should do so with the understanding that it is the result of what amounts to fear and insecurity. How do you talk to a consumer who is fearful and insecure? You have the conversation with them about values that they want to have because it makes them feel comfortable and virtuous. You also acknowledge, explicitly or implicitly, the actuality of their experience and the challenges that they are facing. Without that, the narrative around values remains vaguely insubstantial and somehow fails to get to the heart of the matter.

Written by Sara Batterby
Brand and Messaging Strategist

Latest Consumer Credit News

Surge in consumer credit fuels debt fears
A total of £176.3 billion-worth of consumer credit was outstanding in September. Within consumer credit, borrowing on credit cards increased by £288 million in September and personal loan and overdraft borrowing increased by £973 million. Howard Archer …

U.S. Consumer Credit Climbs Less Than Expected In August
The report said consumer credit climbed by $ 16.0 billion in August following a revised $ 18.9 billion increase in July. Economists had expected credit to jump by $ 20.5 billion. The Fed said non-revolving credit such as student loans and car loans rose …
Read more on Nasdaq

Consumer credit dropping down to very low level

The credit card along with the other kinds of unsecured options of lending as far as British consumers are concerned has gone down really low that has happened for the first time in the past 20 years in the month of December, 2011. All this has lead to the expectations that the Bank of England is all set to put in more money into the economy of the country so that the condition gets better.

Another reason has been that a sharp decline has also come because as far as quantitative easing as well as asset purchasing is concerned the sum of 75 billion pounds is come up. This happened in the month of October which did not even play much a role in giving a boost to the economy. This thing happened as the economy of the country was already facing the trouble of recession at that point of time.

The biggest monthly drop in terms of figures if we take from the time of the year 1993 has come this in the case of consumer credit where in the last month the amount was 400 million. It is expected that same rise may come up after such a time. One of the main reason that the economy of Britain had seen a down fall was the spending capacity of the consumer where in they have really cut down in the items which they used to purchase as the living standards have gone up but now due to low wages as well as the fear of losing job has done a lot of harm. The confidences are quite low in the present scenario. Need cash apply with a 2500 loan and get quick funds for your urgent needs.

Many economists were clearly of the view that the Bank of England was all set to put in a whole lot of money so that the economy of the country gets better slowly and gradually. Most of them had to say that the bank of the country is going to make an announcement that they are going to put in nothing less than 50 billion pounds into the programme of quantitative easing that is going to come in a after a few days.

Apart from this, the government was also making it a point that people who have debts on their heads and have taken it from the state or not are making sure that they pay them back on time and the economy gets further better.

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