credit

Docked Pay for Massive Debt? Women Pay Women Less?

Curated by CLAI

MASSIVE DEBT? U.S. Federal law allows up to 25% of your wages garnished or docked often over credit card debt, medical bill, or student loans. Check out how much your state (law) protects your paycheck.

Wage Garnishment


Wage Garnishment (National Consumer Law Center Report: “No Fresh Start”)

WOMEN GAVE LESS TO WOMEN: Both men and women made lower offers, on average, when the responder was female. Male proposers offered an average of $4.73 to male respondents, but only $4.43 to women. More painful yet was the behavior of female proposers, who, on average, offered $5.13 to men but only $4.31 to women. It seems that women were seen as softies who were willing to settle for less — and the discrimination was worse coming from the women themselves.

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Credit Fraud Tips & Mobile Homes

Curated by CLAI

CREDIT FRAUD: Here are steps to fend off credit fraud.

  1. Alerts – Texts, emails
  2. Turn your credit card on and off before and after a purchase (Malauzai Software)
  3. Chip Cards that will transmit a unique code each time you use it in person. Presumably, thieves won’t be able to counterfeit that sort of thing easily, at least for a while.
Mobile Home

Mobile Home at the Holiday Manufactured Home Community (Lars Tunbjork, NYTIMES)

MOBILE HOME: The mobile home as we know it appeared at the start of the automobile era as a pricey, wood-paneled plaything of the very wealthy — a way for them to travel in comfort on long trips before motels lined the roads. The trailer’s transition to housing was helped by World War II, when the federal government purchased tens of thousands of utilitarian trailers as a quick and easy way to house workers near factories producing war-related goods. After the war, small trailer parks popped up on college campuses to accommodate the influx of former soldiers under the G.I. Bill. It wasn’t until the ’50s that the mobile home became a low-cost residence that, despite its name, almost never moved once it was delivered to one of the thousands of trailer parks that were sprouting up around the country.

Eating Fancy and Shedding Calories

Curated by CLAI

SUPPER CLUB: Enjoy a fancy homemade meal at a stranger’s home. Airnb for hungry people? Check out Eat With, Side Tour, and VoulezVous Diner.

Dinner in Istanbul, Turkey

Dinner in Istanbul, Turkey

Cash Or Credit? How kids pay for school lunch matters for health. Those who use debit cards seem to make more unhealthful eating choices. Kids are much, much, much more likely to take desserts and are much less likely to take fruits and vegetables when they use their debit cards. In contrast to cash, kids not only buy a lot more fruit but they also buy a lot less dessert. Reminds me of my freshman 15 way back…

SUGAR: For sweet tooths who want fewer calories, 30% of NYTIMES readers use stevia, 17% use less sugar, 12% a splash of maple syrup, grapce juice, or citrus into seltzer.