IQ: Consumer Education at Educators

Welcome to IQ.

IQ is a unique and powerful consumer information program for Educators members. Remar Sutton, a nationally known consumer advocate, has partnered with Educators to create IQ and to serve as your "member consumer spokesperson." Here's a message from Remar about IQ.

Financial Well Being

 

Don’t Fall for Scams Related to the Credit Crisis

This report describes several types of financial scams and how to recognize them.

Tax Time Tips

This report provides information on free e-filing, an update on “quick refund” loan schemes, and tips for finding a reliable tax preparer with expertise to match your needs.

Want a Quick Federal Tax Refund? Think E-File

This report describes how e-filing works.

“Quick Tax Refunds” What’s Real? What’s Really a Loan?

This report looks at refund anticipation loans and their alternatives.

Choosing a Cell Phone Plan to Meet Your Needs and Your Budget

This report provides some tips to help you find the right cell phone plan to meet your needs without breaking your budget.

Choosing a Credit Card That’s Right for You

This report looks at the factors you should consider when choosing a credit card.

Thinking of Donating Your Used Vehicle to Charity?

This report provides tips for checking out a charity and technical details about vehicle donation.

Check, Credit Card or Debit Card? Choosing a Payment Method for Security and Convenience

This report offers a brief overview of the facts you need to make wise choices for your circumstances.

Thinking about Buying a First Home or Moving Up to a Larger Home? Lessons You Can Learn From Today’s Housing Market

This report looks at lessons smart consumers can learn from what's been happening in the housing and mortgage markets.

Work-at-Home Schemes Target Your Hard-Earned Dollars

This report describes how you can protect yourself from questionable offers by knowing the most common schemes and knowing what questions to ask of any business opportunity and what cautionary flags to look for.

Strategies for Saving More: Why a Personal Savings Plan Is Important and Tips for Getting Started

This report gives some pointers on where and how you can find some savings and where to stash them when you've found them.

Tips for Improving Your Credit Score

This report provides some simple tips that can help you keep your credit score and overall credit in good shape.

What’s Your “Credit Score” and How Can It Affect Your Credit?

This report presents some basic facts about credit scoring that highlight its importance to your financial health.

Binding Mandatory Arbitration: A Fact Sheet

This report is a Q & A about binding mandatory arbitration.

E-Statements and Managing Your Financial Accounts Online Can Offer Big Benefits

This report profiles some of the potential benefits of managing most of your financial business online, including using e-statements, and provides tips for doing it safely.


IQ links to sites provided by a variety of sources. We review sites for credibility and reliability, but IQ, of course, can't control advertising and other links on these sites. We advise ignoring pop-up ads, links to sales of products or services, and the like.