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Credit, Investment, Savings, Security

International Data Privacy Week is Coming…Are You Keeping All Your Personal Data Private?

Our personal data is on websites, computers, cellphones and tablet computers; and it’s dynamic. Our personal information is constantly growing, shrinking and being shared with other people and with companies. Advertising agencies, your internet service provider, cellular service carrier and social media platforms—along with members of those platforms—are just some of the organizations and people that can see and share what you’re doing. For International Data Privacy Week, you might want to consider how to keep your personal information more secure and away from scammers and others who shouldn’t have it.

Credit, Savings, Security

Avoid Fake Check Scams—Have a Check Clear Before Sending Money

Fake checks are big business for crooks, and their ability to convince victims that they are reliable people or businesses means that everyone should be careful when receiving a check from a stranger. But many people aren’t careful. According to the U.S. government’s Federal Trade Commission “Consumer Sentinel Network Data Book 2021”: “The median loss for all fraud reports in 2021 is $500. Among the top 10 frauds reported, the median individual losses were highest in these categories: Investment Related ($3,000) and Foreign Money Offers and Counterfeit Check Scams ($2,000)…”, while the report also showed that last year there were almost 70,000 reports of fraud resulting in approximately $130 million in losses from payment apps or services.

Holiday, Savings, Budget, Credit

Tips to Manage Holiday Spending–Part 2

It's not unusual to increase spending during the holidays as shoppers try to get the perfect gifts for family, friends, and colleagues. Being strategic in holiday spending now will help you prepare for and manage after-holiday bills in the new year. Following—continued from Part 1 of this post—are more practical tips to ensure you stay on budget this year, rather than overspending during the holidays. The sections below focus on managing money, keeping track of expenses and creative gift giving.

Budget, Credit, Holiday, Savings

Tips to Manage Holiday Spending–Part 1

It's not unusual to increase spending during the holidays as shoppers try to get the perfect gifts for family, friends and colleagues. Although it can be easy to overspend on holiday shopping, with a little bit of planning, budgeting and discipline, it is possible to celebrate without using too much of your cash or maxing out your credit card limits in November and December. By planning and budgeting carefully during the last months of the year, you can prepare for and manage after-holiday bills in January.

Credit, Investment, Savings, Security

It’s National Cybersecurity Month; Be Careful When Making Digital Payments

Cybersecurity is important, since cybercrime’s effect on people’s lives can be very frightening and cost people money and their identity. According to the 2021 Internet Crime Report from the Federal Bureau of Investigation, “In 2021, America experienced an unprecedented increase in cyber attacks and malicious cyber activity.” Of the top five crimes in the report, identity theft ranked second and personal data breach ranked third. The Federal Trade Commission (FTC) highlighted in its 2021 Consumer Sentinel Network Data Book how most of last year’s consumer fraud money losses occurred: “Bank transfers and payments accounted for the highest aggregate losses reported in 2021 ($756 million).” Not all crimes are reported to government authorities, so the total amount of crimes committed and money lost is probably higher.

Budget, Retirement, Savings, Security

Protecting Aging Adults from Financial Abuse

Being aware of an elder’s lifestyle is the first step in determining if they may be a victim of abuse. There may be many small and large symptoms of potential elder financial abuse, and it’s important to stay current on a family members’ (or friends’) behavior, their living environment, and, if you can, how their financial accounts are set up and their cash flow and bill paying activities.

Credit, Investment, Savings, Security

How to Begin Recovering from Identity Theft

Identity theft may be preventable, but when it occurs, it can be terrible to experience and difficult to recover from. If a crook steals your identity, they may not just hijack your accounts and steal your money; they can cripple your finances, harm your credit rating and make you liable for taxes that you don’t owe. It’s important to know and look out for the signs that your identity has been taken and used to harm you. Although Identity Theft Insurance can be purchased to help manage the effects of identity theft on your life, there are still actions that must be taken quickly to mitigate identity theft’s consequences.

Budget, Investment, Retirement, Savings

Smart Money Tips for Anyone Age 50 or Older – Part 1

There is a broad range of potential lifestyle and financial decisions to make and actions to take by age 50+, and below are some suggestions for anyone in that age group. This blog is part of a series covering this important topic, so there will be additional parts to it coming up in the future.

Budget, Credit, Savings

Financial First Aid

The best way to handle a financial crisis is to quickly review and adjust your budget, prioritize your financial obligations, and thoroughly communicate with your creditors. You may not be able to pay all of your bills in full right away, but by taking a proactive approach to your finances, you can minimize the consequences until they can be improved.

Budget, Credit, Savings

Ways to Improve Personal Credit

Simply continuing to polish your credit can make life easier, giving you a better chance of qualifying for the best interest and payment terms on loans or credit cards. If you’re struggling with a low credit score, you’re better positioned to quickly make gains than someone with a strong credit history. The lower a person’s score, the more likely they are to achieve a larger increase if they actively manage it carefully. There is much more upside to having a higher score, and even small changes in behavior can result in greater score increases. If you’re starting from a higher score, you likely don’t need to get a jump of a full 100 points to make a big difference in the credit products you can get.

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