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Author Archives: Guest Blogger

  • Government Employees: Here’s What Hackers Can Do With Your SSNsIdentity Theft


    The largest union for government employees says the massive cyberattack on the government’s Office of Personnel Management was much worse than the Obama administration previously said it was, and every federal employee’s personally identifiable information has been compromised, the Associated Press reports. The OPM data includes information on most civilian federal employees, but not members of Congress or their staffs. In a letter sent to OPM, J. David Cox, president of the American Federation of Government Employees, said […]

  • More Americans Live Under Cloud of ‘Data Uncertainty’Privacy


    From government surveillance and behavior-based advertising, to social media and search-engine tracking, there are plenty of ways for Americans to lose their privacy online. With such a long trail of digital crumbs that online users leave behind, are they even worried anymore about losing privacy, or is that par for the course in the digital age? Turns out, the majority of Americans still place high value on their privacy. Yet few are confident that the […]

  • Phishing

    The Most Trusted Brands Are Phishers’ Favorite LuresIdentity Theft


    Most of us don’t think twice about opening and maintaining multiple free email accounts where we live out our digital lives. And we’re getting more and more comfortable by the day at downloading and using mobile apps. Yet those behaviors can harm us. ThirdCertainty sat down with David Duncan, chief marketing officer for threat intelligence and security company Webroot, to discuss how cybercriminals are hustling to take advantage of our love of free Web mail services and […]

  • Credit Cards

    Why Kicking Debt Collectors Off of Your Credit Report Just Got EasierPersonal Finance


    Deborah is trying to clean up her credit so she can purchase a home. But it’s not proving easy. In particular, three collection accounts are causing major headaches. “One has listed a collections agency no longer in service, One collection agency will not return my calls. (left messages) and one has false info on it,” she writes on the Credit.com blog. Dealing with collection accounts on your credit reports can sometimes be a long, frustrating […]

  • A New Plan to Fight Child ID Theft: Automatically Freeze Kids’ CreditIdentity Theft


    Identity thieves often target children for many reasons: First, children haven’t had a chance to damage their credit yet, so the clean slate of a child’s blank credit history can be appealing to someone who may have trashed theirs. Additionally, because kids shouldn’t have a credit history yet, few parents or guardians are checking to see if credit has been fraudulently opened in the child’s name, which allows thieves to go about their business unnoticed. […]

  • Identity theft

    5 Little ID Theft Warning Signs You Shouldn’t IgnoreIdentity Theft


    While you secure your identity by password-protecting your accounts and only giving your information to organizations that need it, there are still ways that identity thieves can steal your personal data. Not only can you go long periods without noticing you’ve been a victim, criminals could ring up excess charges that could damage your credit for years. Although it’s easy to think that a billing company made a mistake, you should follow up on any late payment […]

  • Do You Really Understand Your Mortgage APR?Personal Finance


    Everyone wants to know they’re getting a fair and reasonable mortgage offer. The federal government supports the annual percentage rate disclosure (APR) as the benchmark barometer of loan cost when mortgage shoppers begin their quest to find a good deal on a home loan, which is why it’s so important to understand what goes into a mortgage APR and how you can harness this knowledge to find the best loan for you. Quick APR Tidbits The […]

  • Cyber thief

    The Three Laws of Cyber Fraud in Today’s Online WorldData Security, Technology


    One of the most popular sessions at the RSA Conference was the Cryptographers’ Panel, during which some of the founding fathers of modern cryptography discussed trends in research and cybersecurity in general. This year the panel consisted of Ron Rivest, Adi Shamir, Whit Diffie and Ed Georgio (former chief codemaker and chief codebreaker at NSA). During the session Shamir referred to his three laws of computer security, which he formulated many years ago: Absolutely secure systems do not exist. To halve your […]

  • Homeowners

    How Important Is Your Down Payment on a Home?Financial Literacy


    When buying a home, most people take on a mortgage. There are many things to consider when taking on a mortgage loan, including interest rate, closing costs and the down payment. Once you calculate how much house you can realistically afford, you can start looking at properties and considering how you will afford the house. There are several ways to fund what will likely be the biggest purchase of your life. Before you start signing […]

  • Shocked couple paying bills

    Paying Off Debt? How to Avoid Burning OutPersonal Finance


    When you have a large amount of debt, it can feel like you will never be free of it. Even if you get yourself motivated to pay it off, it can be hard to stay motivated. While living on a tight budget can seem doable in the short term, to succeed long term, it’s important not to get burned out. Whether you are working to pay off student loan, mortgage or credit card debt, here […]