Welcome To NLRB Financial Consumer Union

Keep paragraphs short to avoid a gray wall of type that discourages reading. Always add a PS. It’s usually the first thing—and sometimes the only thing—that gets read. Handwrite something, such as the salutation or the PS. This makes the letter more personal. Helpful: Use the PS to reiterate the letter’s main point or to…

When life insurance premiums become difficult to pay, many people consider giving up the policies entirely or replacing them with cheaper ones. But giving up an existing life insurance policy isn’t cheap. When you give up a cash-value insurance policy, there are often surrender changes—which are sometimes very steep—so you’ll likely walk away with less…

Keep an interruption log for one week—to track the sources of your interruptions. Write down the list who interrupts you, when, for what reason, and for how long. Then figure out what you can do to reduce the interruptions. Also: Stop interrupting yourself. Remove distractions from your work area. Keep needed supplies close at hand.…

Through creative hiring and thoughtful management, a company’s temporary workers can be much more productive. Temps are especially relevant today because: Temporary workers form a more significant portion of the staff in more and more businesses than ever before. And—companies that downsize usually wind up hiring temps to fill in unanticipated staffing gaps. There is…

Lenders usually require PMI when someone buys a house with less than 20% down. PMI protects the lender in case the buyer can’t pay the mortgage. Once your loan drops to 80% of the house’s value—because you pay down the principal or your home increases in value—PMI is no longer required. Call or write your…

It’s a bit late in the game to start thinking about how to avoid a wrongful termination lawsuit once an employee has already been fired. In fact, one of the most effective defense measures against wrongful discharge lawsuits is a short statement on the employment application form specifying that employment at the company is on…

Beware: Credit life insurance is a poor deal in most states, even though the prices are capped in every state. Banks and other lenders push it because it is lucrative for them—not for borrowers. Trap: When purchased with big-ticket items—a new car, for example—it can cost several times the price of basic term life insurance.…

Do you remember this commercial? It first aired in 2008 and has become a main stable as one of the most hated, but most remember commercials of all-time. I have a structured settlement and I need cash now! Call J. G. Wentworth! 877 cash now I have an annuity but I need cash now! Call…

Time-Tested Investment Advice from David Granger David Granger hadn’t planned a career as a stock picker. But during the 1920s, his two older brothers worked for the family’s Wall Street firm, Granger & Co., and their father wanted all his sons to work together. So in 1925, David Granger joined the firm, and, for $125,000,…

Many people are fed up with the high fees from banks and have considered taking their business to credit unions. By switching, you can greatly reduce the amount of fees you pay on a monthly basis and even earn more interest on the money you have in your accounts. The estimate is about $300.00 more…