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report: despite privacy concerns, 43% of consumers offer personal data in exchan


image: istockphoto/oatawa more about big datadespite privacy concerns, consumers will still share their data with companies if they are offered certain benefits, according to a recent study. nearly half (43%) of more than 1,100 consumers surveyed said that they would offer up their personal data to a company in order to save money through promotions or discounts, the study from yougov and customer experience company [24]7 found. and 39% of consumers said they would share their information if it meant solving customer service problems faster.cost savings were the top reason consumers shared personal data—including email, age, location, interests, and previous purchases—across all age groups surveyed. millennials were slightly more willing to share their data for deals, at 49%, than genxers






states urge congress to put needs of consumers before prepaid card industry | th


share thistagsbad creditcaliforniacredit card fraudcredit card thiefdebt crisishawaiihidden moneyhouse of representativesillinoisiowamainemarylandmassachusettsmicrochip for credit cardminimum wageminnesotamississippinew yorknorth carolinaoregonpatient protection and affordable care actpaul ryanpaul ryan voting recordpennsylvaniarhode islandu.s. house of representativesvermontvirginiawashingtonwashington dcwisconsinconsumerist reports that 18 states, including  maryland, have urged lawmakers to put the interests of consumers before the prepaid card industry. a letter to speaker of the house paul ryan, from attorney generals for each of the 18 states, urge congress to not eliminate transparency and fee legislations protecting consumers with prepaid cards.congress is considering dismantling t






​accc takes apple to court over alleged misleading consumer guarantee


the australian competition and consumer commission (accc) has initiated proceedings in the federal court against apple and its us-based parent company, apple inc, alleging that the tech giant made false, misleading, or deceptive representations about consumers' rights under the australian consumer law.in a statement, the accc said it commenced an investigation into apple following reports relating to "error 53", which was an error that disabled some consumers' ipads or iphones after downloading an update on their devices. latest australian newsaccording to the accc, many consumers who experienced error 53 had previously had their apple device repaired by a third party, for instances such as a cracked screen.the accc said its investigation revealed that apple appeared to have routinely refu






wheelchair user creates mannequin to target disabled consumers


british businesses could be losing out on a potential £420 million a week by failing to target disabled consumers. sophie morgan designed the 'mannequal' – a wheelchair for mannequins that is both a style guide for wheelchair users and a symbol of inclusivity.producer: laura westbrook






wheelchair user creates mannequin to target disabled consumers


british businesses could be losing out on a potential £420 million a week by failing to target disabled consumers. sophie morgan is an artist who designed the 'mannequal' – a wheelchair for mannequins that is both a style guide for wheelchair users and a symbol of inclusivity.producer: laura westbrook






wheelchair user creates mannequin to target disabled consumers


british businesses could be losing out on a potential £420 million a week by failing to target disabled consumers. sophie morgan is an artist who designed the 'mannequal' – a wheelchair for mannequins that is both a style guide for wheelchair users and a symbol of inclusivity.producer: laura westbrookdisability works: breaking down barriers in business






apple pay is ahead of the pack, but pay-by-iphone is still limited


apple's pay-with-your-iphone service apple pay is well ahead of its rivals, but adoption of the concept by consumers remains limited.fintech analyst juniper research estimates that the number of users of apple pay, samsung pay, and android pay will exceed 100 million for the first time during the first half of this year and hit 150 million by the end of this year.juniper forecasts the number of users will reach 500 million by 2021, with such services becoming the primary contactless mechanisms of choice in the us. the analysts said that the challenge facing apple and its rivals is to ensure that the infrastructure is in place for consumers to make in-store payments: only a third of us retailers currently support apple pay."we believe that as contactless usage gains traction and consumers/m






us consumer confidence hits 16-year high


washington (ap) — u.s. consumer confidence climbed to its highest level in more than 16 years, a strong gain for one of president donald trump’s preferred economic indicators.the conference board said tuesday that its consumer confidence index rose to 125.6 in march from 116.1 in february, the best reading since december 2000. the index measures both consumers’ assessment of current conditions and their expectations for the future. both improved this month.consumers’ “renewed optimism suggests the possibility of some upside to the prospects for economic growth in the coming months,” said lynn franco, director of economic indicators for the business group.economists closely monitor the mood of consumers because their spending accounts for about 70 percent of u.s. economic activity.most read






americans are dying with an average of $62,000 of debt


you’re probably going to die with some debt to your name. most people do. in fact, 73 percent of consumers had outstanding debt when they were reported as dead, according to december 2016 data provided to credit.com by credit bureau experian. those consumers carried an average total balance of $61,554, including mortgage debt. excluding home loans, the average balance was $12,875.the data is based on experian’s fileone database, which includes 220 million consumers. (there are about 242 million adults in the u.s., according to 2015 estimates from the census bureau.) to determine the average debt people have when they die, experian looked at consumers who, as of october 2016, were not deceased, but then showed as deceased as of december 2016. among the 73 percent of consumers who had debt w






ftc head: internet of things should self-regulate


why it matters to you we'll soon see if a market-oriented approach works, or if a lack of regulation of the internet of things makes us more vulnerable.the acting head of the federal trade commission (ftc), maureen ohlhausen, has said that she believes the internet of things industry should largely be left to regulate itself, rather than being subjected to external oversight. she also defended the use of data analytics to target consumers with different offers and pricing.as much as the tech industry likes to try and create new standards, it has often taken external pressure and legislation for that to take shape — such as in the case of microusb phone chargers. in the wake of hacks and security concerns with a number of iot devices, many tech analysts and companies have called for a stand






credit bureau experian fined $3 million over misleading credit scores


costa mesa credit bureau experian will pay a $3-million fine to settle a federal regulator’s claims that the firm sold credit scores that were of little or no use to consumers.the consumer financial protection bureau announced the fine and settlement thursday. the bureau’s allegations against experian are similar to those made against the nation’s two other major credit bureaus, transunion and equifax, which reached a larger settlement in january.in all three cases, the cfpb said the credit bureaus offered consumers until at least 2014 “educational credit scores,” which are different from the scores the credit bureaus provide to lenders.credit card issuers, mortgage lenders and others generally use the ubiquitous fico score, calculated by san jose firm fair isaac corp. using data from the






credit bureau experian fined $3 million over misleading credit scores


costa mesa credit bureau experian will pay a $3-million fine to settle a federal regulator’s claims that the firm sold credit scores that were of little or no use to consumers.the consumer financial protection bureau announced the fine and settlement thursday. the cfpb’s allegations against experian are similar to those made against the nation’s two other major credit bureaus, transunion and equifax, which reached a larger settlement in january.in all three cases, the cfpb said the credit bureaus offered consumers until at least 2014 “educational credit scores,” which are different from the scores the credit bureaus provide to lenders.credit card issuers, mortgage lenders and others generally use the ubiquitous fico score, calculated by san jose firm fair isaac corp. using data from the cr






credit bureau experian fined $3 million over misleading credit scores


costa mesa credit bureau experian will pay a $3-million fine to settle a federal regulator’s claims that the firm sold credit scores that were of little or no use to consumers.the consumer financial protection bureau announced the fine and settlement thursday. the cfpb’s allegations against experian are similar to those made against the nation’s two other major credit bureaus, transunion and equifax, which reached a larger settlement in january.in all three cases, the cfpb said the credit bureaus offered consumers until at least 2014 “educational credit scores,” which are different from the scores the credit bureaus provide to lenders.credit card issuers, mortgage lenders and others generally use the ubiquitous fico score, calculated by san jose firm fair isaac corp. using data from the cr






credit bureau experian fined $3 million over misleading credit scores


costa mesa credit bureau experian will pay a $3-million fine to settle a federal regulator’s claims that the firm sold credit scores that were of little or no use to consumers.the consumer financial protection bureau announced the fine and settlement thursday. the bureau’s allegations against experian are similar to those made against the nation’s two other major credit bureaus, transunion and equifax, which reached a larger settlement in january.in all three cases, the cfpb said the credit bureaus offered consumers until at least 2014 “educational credit scores,” which are different from the scores the credit bureaus provide to lenders.credit card issuers, mortgage lenders and others generally use the ubiquitous fico score, calculated by san jose firm fair isaac corp. using data from the






australian regulator takes apple to court over 'error 53' iphone shutdowns


australian competition and consumer commission (accc) has commenced proceedings in the federal court against apple australia and its u.s.-based parent company, apple, for allegedly making “false, misleading, or deceptive representations” about consumers’ rights under the australian consumer law.it is seeking pecuniary penalties, injunctions, declarations, compliance program orders, corrective notices, and costs against apple.the australian competition regulator and national consumer law champion started an investigation following reports relating to “error 53”, an inaccuracy which disabled some consumers’ ipads or iphones after downloading an ios update.many consumers who encountered “error 53” had previously had their apple device repaired by a third party, usually replacing a cracked scr






revised gop bill would destroy the consumer financial protection bureau


give rep. jeb hensarling this much credit: he’s persistent. and he’s not afraid to completely bend the truth in pursuit of weakening consumer safeguards.hensarling, chairman of the house financial services committee, has made it his mission to roll back reforms put in place after the financial-services industry brought the global economy to the brink of collapse. high on his to-do list is crippling the consumer financial protection bureau to the point where it’s a consumer watchdog in name only.the texas republican shared a memo with other lawmakers last week outlining changes he plans to make to his so-called financial choice act, as in “creating hope and opportunity for investors, consumers and entrepreneurs.” impressively, he’s managed to make a bad bill even worse.even more impressivel






nbn rollout map adds rsp network connections timeline


the company rolling out australia's national broadband network (nbn) has added a new functionality to its rollout checker, allowing consumers to find out when they can contact retail service providers (rsps) to connect their premises to the network.after adding "ready for service" areas to its rollout map in november, and enabling all consumers to search its rollout map for when they will be connected and by what network technology -- except premises being serviced by hybrid-fibre coaxial (hfc) technology -- in december, nbn's latest "major update" to its address-checking functionality now provides consumers with information on when they can contact their rsp to connect them, instead of when the network will be built up in their area.latest australian news"the number one question we get as






consumers, pay tv providers are far apart on a la carte pricing


if the future of tv is paying only for the channels you want, the big question is how much each channel should cost.a new study indicates that consumers and pay-tv companies are far apart on this score.yet it also suggests that the pay-tv industry would be foolish to ignore consumers’ clear preference for a la carte programming choices.“the warning sign for industry executives is that as a la carte options become more available and easy to use, consumers will gravitate toward them,” said paul stathacopoulos, vice president of strategy for the digital recording company tivo, which conducted the study.tivo surveyed roughly 2,000 americans about their viewing preferences. more than three-quarters said they wanted a la carte channels.of that number, survey respondents said they would need only






why your credit score could soon get bumped up


credit scores can help determine how much you pay for a house or car, or even whether you need to put a deposit down on utilities. so it comes as good news for millions of americans that they may find their credit-score getting a boost later this year. that’s because the three major credit-reporting agencies are changing their standards for two pieces of negative information: tax liens and civil judgments. either event has led to a lower credit score in the past, so the change is projected to increase the credit scores of 11 million consumers, according to an analysis from fico. playvideomoneywatchhow changes to credit-reporting industry affect you the credit-reporting industry is implementing significant changes to their businesses due to a settlement with the new york attorney general. t






why your credit score could soon get bumped up


credit scores can help determine how much you pay for a house or car, or even whether you need to put a deposit down on utilities. so it comes as good news for millions of americans that they may find their credit-score getting a boost later this year. that’s because the three major credit-reporting agencies are changing their standards for two pieces of negative information: tax liens and civil judgments. either event has led to a lower credit score in the past, so the change is projected to increase the credit scores of 11 million consumers, according to an analysis from fico. the change comes as the credit-reporting agencies -- transunion, experian and equifax -- have come under pressure from lawmakers and consumer advocates to tighten their policies and fix errors on consumers’ reports






why your credit score could soon get bumped up


credit scores can help determine how much you pay for a house or car, or even whether you need to put a deposit down on utilities. so it comes as good news for millions of americans that they may find their credit-score getting a boost later this year. that’s because the three major credit-reporting agencies are changing their standards for two pieces of negative information: tax liens and civil judgments. either event has led to a lower credit score in the past, so the change is projected to increase the credit scores of roughly 12 million consumers, according to an analysis from fico. playvideomoneywatchhow changes to credit-reporting industry affect you the credit-reporting industry is implementing significant changes to their businesses due to a settlement with the new york attorney ge






apple pay is ahead of the pack, but pay-by-iphone is still limited


apple's pay-with-your-iphone service apple pay is well ahead of its rivals, but adoption of the concept by consumers remains limited.fintech analyst juniper research estimates that the number of users of apple pay, samsung pay, and android pay will exceed 100 million for the first time during the first half of this year and hit 150 million by the end of this year. image: juniper research juniper forecasts the number of users will reach 500 million by 2021, with such services becoming the primary contactless mechanisms of choice in the us. the analysts said that the challenge facing apple and its rivals is to ensure that the infrastructure is in place for consumers to make in-store payments: only a third of us retailers currently support apple pay."we believe that as contactless usage gains






falling beef prices could make for prime grilling season


brush the snow off that grill, chicagoans, and get ready for a grilling season that could be prime for butchers and beef eaters alike.retail beef prices on average have been slowly but steadily declining from historic highs two years ago that were largely the result of a yearslong drought in cattle country. the beef industry has rebounded in a big way: this year is expected to be the largest commercial beef production year since 2011, according to the u.s. department of agriculture.add to that the hypercompetitive grocery industry in chicago and, eventually, some decent weather, and beef prices could be just right for consumers this spring and summer."we're going to see some of the most aggressive advertising for beef cuts of all types because (retailers) are striving to not just be compet






cleaners for this online maid service may have sticky fingers


home-cleaning service handy bills its cleaners as “trusted” and “background checked.” yet the would-be uber of household chores didn’t prevent a string of alleged thefts in cities including new york and the district of columbia by cleaners booked through its online service.the startup, which has raised some $60 million in funding since its mid-2012 launch by harvard business school students and has most recently been valued at $342 million, connect cleaners with consumers. it offers prearranged cleaning services using a website, handy.com, and a smartphone application, the “handy app.” handy says customers in 35 locations including most most major cities in the u.s., u.k. and canada, used its platform to book more than a million services last year.the company, however, is misleading consum






cleaners for this online maid service may have sticky fingers


home-cleaning service handy bills its cleaners as “trusted” and “background checked.” yet the would-be uber of household chores didn’t prevent a string of alleged thefts in cities including new york and the district of columbia by cleaners booked through its online service.the startup, which has raised some $60 million in funding since its mid-2012 launch by harvard business school students and has most recently been valued at $342 million, connect cleaners with consumers. it offers prearranged cleaning services using a website, handy.com, and a smartphone application, the “handy app.” handy says customers in 35 locations including most most major cities in the u.s., u.k. and canada, used its platform to book more than a million services last year.the company, however, is misleading consum






when comparing solar array installers, nrel study finds bigger isn’t always bett


when it comes to getting the best deal on a residential rooftop solar array, the size of the installer matters  — but bigger isn’t necessarily better, according to a study from the national renewable energy laboratory in golden.nrel found that about 70 percent of the time, the largest players, defined as those installing 1,000 or more solar systems a year, quoted consumers a higher price than smaller competitors.the premium for going with the brand name on systems purchased for cash was 10 percent on average. that works out to about $3,000 to $5,000 of the typical residential system that can run $30,000 to $50,000 before tax credits.the largest 1 percent of installers put in about 60 percent of all systems, and the largest 10 percent accounted for 90 percent of the systems, nrel said. but






easy online shopping download


download download online shopping is a form of electronic commerce which allows consumers to directly buy goods or services from a seller over the internet using a web browser. consumers find a product of interest by visiting the website of the retailer directly or by searching among alternative vendors using a shopping search engine, which displays the same product's availability and pricing at different e-retailers. as of 2016, customers can shop online using a range of different computers and devices, including desktop computers, laptops, tablet computers and smartphones.






the consumer protection watchdog that helps you could be eliminated


by brad wolverton/nerdwalletif you’ve ever had to dispute a charge on a credit card, fix a mix-up with your mortgage or stop a debt collector from hounding you, you’ve benefited from the work of a federal watchdog agency that is now under fire in washington.the consumer financial protection bureau arguably has done as much to change the financial lives of consumers as any other government agency in history.most americans who have a credit card, bank account, mortgage, student or personal loan, or who care about their credit rating, have been helped by the cfpb. some 29 million of them, or about 1 of every 8 adults, have had money returned to them as a result of the bureau’s work since it opened six years ago.a review of the agency’s record by nerdwallet found that for every $1 in federal s






ericsson, telstra, 21st century fox launch media content delivery solution


telstra, ericsson, and 21st century fox's fox innovation lab have announced a media content-delivery solution aimed at sending personalised movie content to consumers' devices without impacting device performance or data plans.the content delivery solution, unveiled at mobile world congress (mwc) in barcelona on monday, will run as a pilot program for the next month for select telstra, fox, and ericsson customers through a trial app.more mwc 2017it will alert consumers when movies matching their pre-disclosed interests are available, with the 1080p media content then being sent to their devices for purchase or rent and viewing both online and offline.the "highly secure" end-to-end solution makes use of ericsson's cloud-based mediafirst store for processing and origin of the content; ericss






uk economy slows as brexit weighs on consumers


london (ap) — britain’s economy slowed in the first three months of the year as concerns about the u.k.’s exit from the european union spurred inflation and forced consumers to rein in spending.the economy expanded 0.3 percent from the previous quarter, below the 0.4 percent that was expected and less half the 0.7 percent it grew at the end of 2016, the office for national statistics said friday.the pound has fallen about 20 percent against the dollar and euro since britain voted to leave the eu, pushing up the cost of many imported goods. that seems to be hurting consumers — potentially bad news for the government only a few weeks before a general election.in another signal that what was once the fastest-growing major economy is hitting the skids, britain’s second-biggest mortgage provide






for ipad sales, nowhere left to go but lower?


when apple’s (aapl) late chief executive steve jobs unveiled the ipad in 2010, he called it “a truly magical and revolutionary product.” though the public snapped up the tablet computer for a while, demand has flat-lined in recent years. shipments have fallen for 12 straight quarters with no rebound in sight -- even with tuesday’s launch of a new lineup, which features more power and lower prices.one reason for the ipad’s poor sales is that consumers see no reason to upgrade their existing devices. plus, improvements in smartphone technology, such as larger screens, have made tablets increasingly irrelevant. researcher gartner expects shipments to drop an average of 1 percent annually from 2017 to 2020 as the market reaches a saturation point.“when the ipad was rolled out, the hope or beli






exos scheduling


with exos scheduling, consumers and real estate agents are able to schedule an appraisal appointment at a date and time that conveniently fits their schedule, all from their mobile device. key features include: convenient schedulingo the mobile scheduling capability offers convenience for selecting an appointment at a date and time convenient to the consumer or real estate agent. appraiser profileo exos scheduling sends appraiser profile information to the consumer or real estate agent prior to the appraisal appointment, allowing for verification of the appraiser's identity when he or she arrives. educational informationo exos scheduling provides information about what to expect during the appraisal appointment and helps consumers understand their role throughout the various stages in t






trump's new ftc chair thinks our next big internet disaster might solve itself


photo: gettythe internet of things (iot) keeps growing, and as it grows, so too do its security issues. yet the federal trade commission, which deals with products like these, doesn’t seem to be that worried about it. advertisementthe guardian reports that at a cybersecurity conference on monday, acting ftc chair maureen ohlhausen said the agency would wait for risks to “materialize” before taking action. ohlhausen—who served as a republican commissioner on the ftc from 2012 until january, when trump designated her acting chairwoman—had this to say about the dangers posed by iot devices:advertisement“we’re saying not ‘let’s speculate about harm five years out,’ but ‘is there something happening that harms consumers right now or is likely to cause harm to consumers,’” ohlhausen told the aud






the house just voted to let internet providers sell your browsing history


less than a week after the senate voted to empower internet service providers to freely share private user data with advertisers, the house has weighed in too.today in a 215-205 vote on senate joint resolution 34 (h. res. 230), the house voted to repeal broadband privacy regulations that the obama administration’s fcc introduced in 2016. those rules, designed to protect consumers, required isps to seek consent from their customers in order to share their sensitive private data (it’s worth noting that isps can collect it either way). for consumers, the rollback is a bad deal no matter how you slice it.as the issue took the floor, california representative anna eshoo laid into the bill, suggesting that her republican counterparts in the house lacked a nuanced understanding of how internet pr






trump's acting ftc chair thinks our next big internet disaster might solve itsel


photo: gettythe internet of things (iot) keeps growing, and as it grows, so too do its security issues. yet the federal trade commission, which deals with products like these, doesn’t seem to be that worried about it. advertisementthe guardian reports that at a cybersecurity conference on monday, acting ftc chair maureen ohlhausen said the agency would wait for risks to “materialize” before taking action. ohlhausen—who served as a republican commissioner on the ftc from 2012 until january, when trump designated her acting chairwoman—had this to say about the dangers posed by iot devices:advertisement“we’re saying not ‘let’s speculate about harm five years out,’ but ‘is there something happening that harms consumers right now or is likely to cause harm to consumers,’” ohlhausen told the aud






congress just voted to let internet providers sell your browsing history


less than a week after the senate voted to empower internet service providers to freely share private user data with advertisers, the house has weighed in, too.today in a 215-205 vote on senate joint resolution 34 (h. res. 230), the house voted to repeal broadband privacy regulations that the obama administration’s fcc introduced in 2016. in a narrower vote than some expected, 15 republicans broke rank to join the 190 democrats who voted against the repeal. the fcc rules, designed to protect consumers, required isps to seek consent from their customers in order to share their sensitive private data (it’s worth noting that isps can collect it, either way). for consumers, the rollback is a bad deal no matter how you slice it.as the issue took the floor, california representative anna eshoo l






that parking ticket could be a scam


got a parking ticket on your windshield, or a notice in the mail, when you thought you were parking legally? investigate before you pay, said christopher elliott, a consumer advocate and author of “how to be the world’s smartest traveler.”a long-time scam involving fake parking tickets is revving up, thanks to cheap and sophisticated hand-held printers that can make fake tickets appear real. elliott, who invites defrauded consumers to complain on his website, said numerous consumers have contacted him about suspicious tickets. scam sites like snopes and defensivedriving.com are also warning about fake citations. this ruse is even being reported in the u.k., where hundreds of consumers reportedly received emails about unpaid tickets. snopes reported that emailed “parking violations bureau”






the latest: france, germany criticize us migrant block


berlin — the latest on european reaction to president donald trump's halt to accepting refugees (all times local):1:15 p.m.the foreign ministers of france and germany are putting on a united front in the face of president donald trump's halt in the u.s. refugee program, with the german minister noting that loving thy neighbor forms part of america's christian traditions.the french minister, jean-marc ayrault, said trump's order "can only worry us."after meeting urday in paris, both ayrault and sigmar gabriel — on his first trip abroad since his appointment friday — said they want to hold talks with rex tillerson, trump's nominee for secretary of state who is still awaiting confirmation.ayrault said: "there are many other issues that worry us. that is why sigmar and i also discussed what we