Lowering your APR might be easier than you think

By | Kathryn Lee
Digital Campaigner

Many Americans are walking around with a balance on their credit card because of high interest rates, or annual percentage rate (APR) charges for unpaid balances. It's best to pay off your balance in full but if you don't or can't, a higher APR makes your debit grow faster. What most people don’t realize is this APR can be negotiated to a lower rate.

News Release | U.S. PIRG | Democracy

Small donor program reshapes presidential fundraising, new report shows

Candidates in the 2016 presidential race would see a dramatic shift in fundraising success under a proposed small donor matching program, according to a new study by U.S. PIRG Education Fund.

News Release | U.S. PIRG Education Fund | Democracy

New Study: Small Donor Matching Program Would Incentivize Shift in 2016 Presidential Fundraising Strategies

Candidates in the 2016 presidential race could see a dramatic shift in fundraising under a small donor empowerment program, according to a new study by U.S. PIRG Education Fund

News Release | U.S. PIRG Education Fund | Democracy

New study shows potential impact of a small donor matching program on 2016 presidential race

Candidates in the 2016 presidential race would see a dramatic shift in their fundraising, and have a powerful incentive to focus more on small donors under a proposed small donor public financing system, according to a new study released by the U.S. Public Interest Research Group Education Fund (U.S. PIRG).

Report | U.S. PIRG Education Fund

Boosting the Impact of Small Donors

What if our campaign finance system encouraged candidates to raise money from everyday citizens making small contributions? This report examines how the 2016 fundraising picture would look if a small donor campaign finance system were in place, where small contributions were matched with limited public funds for candidates who agree to turn down large contributions.

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Life Insurance

Sometimes circumstances change, and life insurance is no longer a critical part of an estate plan. If you wish to redirect life insurance, it’s simple to do so. You can designate a charity as the beneficiary of your life insurance policy, which you will continue to own during your lifetime.
This may provide your estate with valuable tax savings.

Alternatively, you can assign ownership of the policy to the charity. In this case, although you will give up control over the policy, you may receive a current income tax charitable deduction.

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Donating appreciated securities will support our work and, under some circumstances, may provide a meaningful savings on your taxes.

To find out more, including our DTC number and account number or other resources regarding planned giving, please email our Planned Giving Coordinator using the form below, or call 1-800-841-7299. Donations to U.S. PIRG Education Fund are tax-deductible in many circumstances. Please seek the guidance of your attorney or financial advisor when planning a major gift.

News Release | U.S. PIRG Education Fund, Demos | Democracy

Big Money and Secret Spending Distorting Democracy

A new analysis of pre-election data from the Federal Election Commission (FEC) and other sources by the U.S. PIRG Education Fund and Demos shows that outside spending in the first presidential election since Citizens United is living up to its hype: new waves of “outside spending” have been fueled by dark money and unlimited fundraising from a small number of wealthy donors. Outside spending organizations reported $1.11 billion in spending to the FEC through the final reporting deadline in the 2012 cycle. That’s already a 200% increase over total 2008 outside spending.

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