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  • Debt

    There Are 6 Kinds of Borrowers: Which One Are You?

    Consumer Protection credit Personal Finance 

    Most Americans have only one kind of debt, if they have any at all, according to a new report from the Urban Institute. By analyzing five years of credit-report data of more than 5 million Americans, researchers identified many trends among U.S. debtors, including the most common kinds of borrowers. About 89% of consumers with credit reports fell into one of the following six categories. 1. No Debt This is the most common type of consumer. […]

  • How to Keep Your Smart Devices From Exposing Your Data

    Column Data Security Blog 

    In 2015, somewhere in the neighborhood of 1 billion Internet of Things (IoT) devices will be purchased, an increase of 60% over the previous year. There will be 10 billion IoT devices connected to the Internet this year. A couple of years ago, a survey found that three out of four Americans had no clue that there was such an animal as the Internet of Things, and many likely still don’t know (until you tell […]

  • Responsible financial decision

    The One Word That Can Improve Your Financial Standing

    Financial Literacy Retirement Personal Finance 

    Many motivational speakers demand we say “yes” to life. Whether it involves going back to school, taking an educated risk or meeting new people, “yes” gets heavily promoted. But you know what? “Yes” doesn’t always work out so well. There are times when “no” is a more appropriate answer – especially when it comes to improving your financial standing. Today, I’d like to share with you some financial situations in which it’s good to say […]

  • Think Student Loans Are Millennials’ Biggest Problem? Think Again

    Financial Literacy Education student loans 

    Study after study has highlighted the problem of growing student loan debt in America and its specific burden on people in their 20s and 30s. The majority of recent college graduates are coming out of school with thousands of dollars in debt, but student loans are only part of young Americans’ financial obstacles. In fact, credit card debt is just as common as student loan debt, according to a survey from Experian Consumer Services. Experian […]

  • The Invisible Victims of Identity Theft: Our Kids

    Personal Finance Identity Theft 

    Somewhere between 10 million and 16 million Americans get “got” by fraudsters working the seams of identity-related crime every year. The methods are many and various. There are, of course, the familiar scams and frauds, but one harder to detect area of exploitation is child identity theft. So why are children a target for identity thieves? It’s called “runway.” A child’s Social Security number is pristine. There is no reason for a minor to use […]

  • 9 Ways to Protect Yourself From Elder Financial Abuse

    Retirement Identity Theft 

    Identity theft. Financial fraud. Catchphrases that evoke fear of economic ruin at the hands of scheming pitchmen, cunning hackers, organized crime, grandchildren … Say what? The financial exploitation of seniors by those closest to them is on the rise. According to the National Center on Elder Abuse, 90% of the perpetrators are family members or those who are well-known to the victims (e.g., neighbors, friends and caregivers). Malefactions include unauthorized access to checking, savings and […]

  • Scam Alert

    3 Credit Card Scams You Need to Watch Out For

    Consumer Protection credit 

    Falling for a credit card scam is an incredibly frustrating experience and having your financial security disturbed for even a short time can disrupt your peace of mind. However, providing you arm yourself with the right knowledge, you can minimize the impact credit card scams have on your financial well-being. So, with that in mind, here are several credit card scams you’re going to want to watch out for. 1. Chip Credit Card Scam Over […]

  • Fewer Americans Are Worried About Credit Card Theft

    credit Personal Finance Identity Theft 

    People either perhaps feel like payment security has improved or just don’t care about having their data stolen, because the share of Americans who said they frequently worry about credit card data theft has gone down since last year. In an annual survey about crime, Gallup asked U.S. adults about whether they’ve encountered or if they worry about a variety of crimes, and credit card theft was again the most common one people experienced. Gallup […]

  • Worried About Hackers? Surf the Web with Your Mom

    Column Blog 

    An old Chinese proverb says: “There is only one beautiful child in the world, and every mother has it.” But there are times when people test that mother-child connection, turning their “matron” saints into judge, jury and even warden. Increasingly, various stripes of online scoundrel can act as a catalyst for the above transformation. As we all know, despite that spiel about unconditional love, there is no end of things a son or daughter can […]

  • Financial info

    Why You Should Consider Refinancing

    Personal Finance 

    If you’re serious about reducing the interest you owe on your mortgage, refinancing could be a good bet. It can reduce your monthly payments and help you pay off your home faster. Of course, it helps to know your options when it comes time to re-fi. Getting a Rate Reduction Most consumers elect to refinance to secure a lower loan amount with a lower rate of interest. (In some cases, dropping excess costs such private […]