Christmas Loans

The Holiday Borrowing Risk List


References

  1. National Retail Federation. “2017 Holiday Headquarters: Holiday Spending Plans Slide 3.” October 27, 2017 from https://nrf.com/resources/consumer-research-and-data/holiday-spending/holiday-headquarters
  2.  Desjardins, Jeff. “The History of Consumer Credit in One Giatn Infographic.” August 29, 2017 from: http://www.visualcapitalist.com/history-consumer-credit-one-infographic/
  3. Smith, Stephen. “The American Dream and Consumer Credit.” October 25, 2017 from: http://americanradioworks.publicradio.org/features/americandream/b1.html
  4. Kirkham, Elyssa. “2 in 5 Holiday Shoppers Say Their Debt Will Stifle This Year’s Spending.” October 28, 2017 from https://studentloanhero.com/featured/holiday-debt-spending-survey/
  5. Woodruff, Mandi. “Americans with Holiday Debt Added $1,003 on Average This Year.” October 27, 2017 from http://www.magnifymoney.com/blog/featured/americans-holiday-debt-added-1003-average-year/
  6. Deloitte. “2017 holiday retail survey: An annual analysis of the peak shopping season.” October 27, 2017 from https://www2.deloitte.com/us/en/pages/consumer-business/articles/holiday-retail-sales-consumer-survey.html
  7. National Retail Federation. “2017 Holiday Headquarters: Holiday Spending Plans Slide 5.” October 27, 2017 from https://nrf.com/resources/consumer-research-and-data/holiday-spending/holiday-headquarters
  8. Dymond, Diana. “2017 Holiday Forecasts Revealed (with Insights). October 27, 2017 from https://www.netelixir.com/blog/2017-holiday-forecasts-revealed-with-insights/
  9. Berry-Johnson, Janet. “What is the average APR on a credit card?” October 12, 2017 from https://www.creditkarma.com/credit-cards/i/average-apr-on-credit-card/
  10. Bahney, Anna. “Beware Deferred Interest Credit Cards – They’re Not 0% Interest.” October 25, 2017 from http://money.cnn.com/2017/06/19/pf/retail-cards/index.html
  11. Baird, Jocelyn. “Earn Extra Cash with the Best Credit Cards for Holiday Shopping.” September 27, 2017 from https://www.nextadvisor.com/blog/2017/09/27/earn-extra-cash-with-the-best-credit-cards-for-holiday-shopping/
  12. Clements, Nick. “How To Avoid The Store Credit Card Trap This Holiday Season.” October 28, 2017 from https://www.forbes.com/sites/nickclements/2016/11/17/how-to-avoid-the-store-credit-card-trap-this-holiday-season/#3e138b5f27fc
  13. Investopedia. “Definition of ‘Subprime Lender.’” October 28, 2017 from https://www.investopedia.com/terms/s/subprimelender.asp
  14. Pritchard, Justin. “Learn About Tax Refund Loans.” September 27, 2017 from https://www.thebalance.com/refund-anticipation-loans-315626
  15. Internal Revenue Service. “Earned Income Tax Credit.” October 30, 2017 from https://www.irs.gov/credits-deductions/individuals/earned-income-tax-credit
  16. Consumer Financial Protection Bureau. “What is a payday loan?” June 2, 2017 from https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/
  17. Campbell, Jesse. “Payday loans could become even riskier for borrowers.” November 9, 2017 from http://www.moneymanagement.org/community/blogs/blogging-for-change/2016/august/payday-loans-could-become-even-riskier-for-borrowers.aspx
  18. Debt.org. “What is Predatory Lending?” September 21, 2017 from https://www.debt.org/credit/predatory-lending/
  19. Jayakumar, Amrita. “Christmas Loans: The Coal in Your Financial Stocking.” December 13, 2016 from https://www.nerdwallet.com/blog/loans/christmas-loans/
  20. Lazarony, Lucy. “What is an Installment Loan?” October 26, 2017 from https://www.credit.com/loans/loan-articles/what-is-an-installment-loan/
  21. Opploans. “Installment Loans.” October 28, 2017 from https://www.opploans.com/personal-loans/installment-loans/
  22. Sheikh, Azzam. “Christmas Is Coming and So Is Holiday Fraud.” September 20, 2016 from https://www.huffingtonpost.com/azzam-sheikh/christmas-is-coming-and-s_b_12074238.html
  23. Smith, Lisa. “Layaway Plans: Get The Goods Without Going Into Debt.” November 9, 2017 from https://www.investopedia.com/articles/pf/08/layway-plan.asp
  24. Williams, Geoff. “What to Consider Before Starting a Layaway Plan.” November 9, 2017 from https://money.usnews.com/money/personal-finance/articles/2014/11/06/what-to-consider-before-starting-a-layaway-plan
  25. Montaldo, Donna L. “14 Stores With the Best Layaway Programs.” March 2, 2017 from https://www.thebalance.com/stores-with-layaway-plans-939882
  26. Khalfani-Cox, Lynnette. “10 Holiday Shopping Credit Card Mistakes.” November 8, 2017 from https://www.aarp.org/money/credit-loans-debt/info-11-2012/holiday-credit-mistakes-slideshow.html#slide9
  27. Beckman, Maurie. “Here’s What the Average American Spends on Holiday Gifts.” November 9, 2017 from https://www.fool.com/retirement/2016/12/01/heres-what-the-average-american-spends-on-holiday.aspx

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