NextAdvisor Blog - Jocelyn Baird

Jocelyn is a NextAdvisor.com writer with a love for coffee, reading and all things personal security. She covers identity theft, credit monitoring, people search and credit cards. She has been a guest on several radio shows nationwide and her cybersecurity and personal finance expertise have been featured by Forbes, USA Today, Kiplinger's Personal Finance, The Huffington Post and more. She is a graduate of Syracuse University with a dual degree in Writing and Rhetorical Studies and Anthropology. Follow her on Twitter @JocelynAdvisor.

Posts by Jocelyn Baird:

Equifax Blunders Keep Piling Up: The Latest Updates to This Data Breach

If you’re tired of hearing about Equifax, unfortunately, it appears as though news surrounding the credit bureau’s massive data breach that impacted 143 million consumers (or more) is not going to slow anytime soon. According to a confidential report sent by Equifax and compiled by Mandiant, the
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Is LifeLock the Right Choice to Protect You from the Equifax Data Breach?

Thanks to a massive data breach which lost the sensitive personal information of 143 million consumers — and probably anyone with a credit history — more people than ever are looking into credit report monitoring and identity theft protection services. Equifax, the credit bureau which was breached, is
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Unpatched Equifax Vulnerability Led to Massive Data Breach: What Does This Mean?

Barely a week old, the Equifax data breach has already become one of the most infamous of them all, thanks to a host of problems with the company’s disclosure and recovery efforts, rumors of employees using inside knowledge of the breach to profit and the sense of
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Equifax Progress Report Addresses Data Breach Criticism

After being lampooned by all manner of media, consumers, security professionals and even government officials for the manner in which it handled last week’s disclosure of a massive data breach, Equifax has updated its site with a progress report in response to the numerous complaints. One shorter
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143 Million Customers Exposed in Equifax Breach: Are You One of Them?

Updated: Sept. 8, 2017 In a statement released on Sept. 7, Equifax — one of the three major credit reporting bureaus in the U.S. — announced that it had discovered an intrusion by hackers into its systems, resulting in the personal information of 143 million consumers being
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Pay No Annual Fee with the New Blue Delta SkyMiles Card from American Express

The Blue Delta SkyMiles Card from American Express (a NextAdvisor advertiser), the newest addition to the array of credit cards offered by American Express, is a great choice for loyal Delta customers who would like to earn miles toward free flights and pay no annual fee. Keep
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3 Unexpected Perks Discover Cardholders Get

We wrote about how to choose which is the best Discover credit card for your lifestyle and needs, and while we briefly spoke about the great perks available to all Discover cardholders, we didn’t go into explicit detail about them. Owning a credit card these days means
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1.4 Million More Suspicious Wells Fargo Accounts Discovered: What Does This Mean for You?

The Wells Fargo scandal which broke in 2016 surrounding fraudulent consumer accounts opened by bank employees doesn’t seem to be going away anytime soon, as the results of a third-party investigation have determined that an additional 1.4 million fraudulent accounts may have been opened. This brings the
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How Credit Card Issuers are Working to Help Hurricane Harvey Victims

As the toll of the damage caused by Hurricane Harvey keeps rising, many people across the country are looking for ways to help out as best they can. We’ve already discussed the importance of using a trusted method of donating, such as going straight through a charity’s
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What to Do if Your Important Documents are Lost or Destroyed in a Disaster

Between natural disasters like hurricanes and tornadoes and man-made tragedies like house fires and gas line explosions, there are plenty of ways you might end up losing a majority of your personal belongings. Sometimes, these losses can include sensitive personal documents, such as your birth certificate, social
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Which are the Best Barclaycard Credit Cards?

Updated: Sept. 19, 2017 Wondering if a credit card from Barclaycard is right for you? Whether you are on the hunt for a card that earns you cash back or travel rewards, Barclaycard has options to consider. Keep reading as we explore the best Barclaycard credit cards
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Filling Out Back-to-School Forms? Keep These Privacy Tips in Mind

Whether school is already in session or you’ve still got a couple weeks of summer vacation left to savor, for students and parents across the U.S., there’s no denying that it’s officially back-to-school season. Between shopping for new clothing and supplies, deciding which teams and clubs to
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The Best Capital One Business Credit Cards

Choosing the right credit card for your small business is important, as it can help serve as one of the financial building blocks to your success. Whether you want to earn air miles or cash back for your business purchases, or you need to work on building
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What is COPPA and How Does it Protect Your Children Online?

Online privacy is an important concern for people of all ages, especially in the Digital Age, but it is perhaps most important when it comes to the most vulnerable digital citizens: children. Parents must fight an uphill battle when it comes to their kids’ privacy, considering how
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These are the Best Capital One Credit Cards

Updated: Sept. 11, 2017 Capital One is a powerhouse when it comes to credit cards, offering a plethora of great choices for personal and business use alike. With so many options available, it can be tough to choose the right card for your needs. That’s why we
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What to Do if You Discover Your Identity Was Stolen as a Child

No matter how old you are, discovering that you’ve been a victim of identity theft is never a happy experience. However, young adults — especially those who have only recently become adults — can have a much more difficult time due to their unfamiliarity and inexperience when
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How to Choose the Best Discover Credit Card for You

Time and time again, Discover has proven itself to be a consumer favorite, taking the top spot three years running (2014, 2015 and 2016) in the J.D. Power U.S. Consumer Credit Card Satisfaction Study. Like many of its fellow credit card issuers, Discover has more than one
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Limited-Time Offer: Pay No Annual Fee for Your First Year with the Blue Cash Preferred Card

These offers have expired. Please visit our reviews of the best credit cards to find the right card for your needs. When it comes to earning cash back, few credit cards pack as big of a punch as the Blue Cash Preferred Card from American Express (a NextAdvisor advertiser),
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Are You Making These Smartphone Security Mistakes?

Smartphones are almost like second brains for a lot of people these days, and few of us leave our homes without them — or even have them out of our hands for long. We use them to keep in touch with family and friends, conduct business, make
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Is It Safe to Apply for a Credit Card Online?

Putting your sensitive personal information into a form on a website in this day and age, with so many instances of data breaches and phishing scams, can be nerve-racking for many people. The last thing you want to do is input your social security number, address, income
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Protect Your Identity with This Limited-Time 15% LifeLock Discount

Protecting your identity and keeping an eye on your credit are tough jobs for one person to do on their own, which is why a membership with a reputable service that does both for you can be a huge asset. Not only do these services give you
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Why is Three-Bureau Credit Report Monitoring Important?

It’s no secret: your credit health is important. While you might hear about your credit in terms of your credit report or credit score, the truth of the matter is that each person has three of each from the major credit bureaus — Experian, TransUnion and Equifax.
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Experian IdentityWorks: What Does This New Identity Theft Protection Service Have to Offer?

Though we’ve seen multiple identity theft protection services come and go over the past few years, the core issue that these businesses seek to address has steadily remained a problem for millions across the country. While there is no way to completely prevent identity theft, having a
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Discover Announces Free Identity Theft Protection Alerts for Cardholders

Identity theft is everywhere these days, and it’s become such a prevalent problem that many financial institutions are taking action to try and combat it. Discover has tossed its hat into the ring with a new set of identity theft protection features for its cardholders that will
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Reward Yourself with a $150 Intro Bonus from the Capital One Quicksilver Cash Rewards Credit Card

Right now is a great time to get a new credit card because credit card offers are getting more and more competitive, and one you should be aware of if you’re looking for a cash back credit card with a terrific intro bonus is the Capital One
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Which Balance Transfer Credit Cards Offer the Best Long-Term Rewards?

Updated: Sept. 19, 2017 Getting a new credit card to take advantage of its 0% intro APR on balance transfers can be a smart financial move, especially if you are currently paying high interest on the balances of one or more credit cards. That said, what happens
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How Cybercriminals Can Use Your Cell Phone Number to Steal Your Identity

We often think of our social security numbers as being the crucial key to unlocking our identities, and it certainly is, but there’s a new kind of key that’s becoming more and more valuable to cybercriminals year by year — your cell phone number. When you think
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Is a Branded Travel Rewards Credit Card Right for You?

Updated: Sept. 19, 2017 Traveling is so much better when you have a travel rewards credit card in your wallet because for every dollar you spend, you can be earning free flights, hotel stays and more. There are a lot of travel rewards credit cards out there,
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Everything You Need to Know About Smishing or Text Message Phishing

As technology advances, so do the criminals using it to try and target innocent people to steal their information and money. We have written about all kinds of techniques used by scammers, with one of the most frequently highlighted being phishing. In case you aren’t in the
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Battle of the No-Fee Balance Transfer Credit Cards

Editor’s Note: As of Sept. 19, 2017, the Barclaycard Ring Mastercard is not available. Visit our reviews of the best balance transfer credit cards to find the right card for you. Planning to use a new credit card with a 0% intro APR to transfer a balance
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How Many is Too Many Credit Cards?

Some people are afraid to own a credit card period, but others wind up with too many and ultimately harm their credit in the long run. Is there a way to tell how many is too many credit cards? Although there is no specific number of credit
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Why It’s Important to Report Identity Theft and How to Do It

Identity theft is a crime that a shocking amount of Americans face at one point or another in their lives, thanks in part to the rise in data breaches which spread personal information far and wide for criminals to easily get their hands on. Add in other
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4 Groups of People Most at Risk for Identity Theft

Identity theft is a crime that can touch just about anyone, from infants to celebrities, but some people are more at risk than others. While it’s important to understand that you could become a victim of identity theft no matter what, in this post we’re outlining four
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Nearly 200 Million Voter Records Exposed: What This Means for You

In what’s being called the largest leak of U.S. voter data ever discovered, a company hired by the Republican National Committee (RNC) has admitted to and claimed full responsibility for the exposure of information pertaining to nearly 200 million registered voters in the U.S. A massive, unsecured
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The Ultimate Guide to 0% Intro APR

Updated: Sept. 19, 2017 When it comes to credit cards, perhaps one of the most important — and misunderstood — aspects is the annual percentage rate, or APR. There’s a lot of hype surrounding 0% intro APR, but what exactly is it and why does it matter?
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Why are There So Many Different Types of Credit Scores?

One of the biggest misconceptions when it comes to credit is that each person only has a single credit score. That’s far from the truth — in reality, you have potentially dozens of different three-digit credit scores out there. This makes matters complicated, especially when it comes
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Data Breach Roundup: OneLogin, Chipotle and Kmart Report Breaches

Data breaches are a part of life in today’s technology-fueled world, but they’re nothing to get complacent about. In this data breach roundup, we talk about three recent data breaches that might have impacted you and detail exactly what happened, who was affected and what the company
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Wells Fargo Platinum Visa Card Just Extended Its 0% Intro APR to 18 Months

Updated: Sept. 19, 2017 When it comes to a 0% intro APR period, the longer the better, and anyone considering the Wells Fargo Platinum Visa Card is in for a treat because it just extended its 0% intro APR period from 15 months to 18 months! That’s
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Make the Most Out of Your Summer Vacation by Booking with a Travel Site

Summer is the perfect time to travel for lots of people across the country, with kids out of school and plenty of fun to be found at vacation destinations around the world. Whether you’re planning a simple three-day weekend retreat or want to go big and jet
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Is an Online Savings Account Right for Your Student’s Summer Job Earnings?

Having a job during the summer months between school years can be an incredibly rewarding experience for students, teaching them lots of valuable life lessons while allowing them to also earn some of their own money. Because it’s important to teach your kids about money early to
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4 Ways to Use Your Credit Card Responsibly

We are consistently reminding our readers that they should be using their credit cards responsibly, but what exactly does that mean? A credit card can be an invaluable financial tool, but as with any tool, there are actions you can take to maximize your credit card’s usefulness
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Why Social Media’s Fight Against Revenge Porn Should Matter to Everyone

Although the Internet has connected people to one another with relative ease, there are certainly plenty of cons to balance out the pros of this technology. People of all ages are quick to share and post photos and videos of themselves through the mediums of social media
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BankAmericard Credit Card Now Features a $0 Balance Transfer Fee Offer

Updated: June 29, 2017 While there are a number of balance transfer credit cards offering lengthy 0% intro APR periods on transfers, it’s a rarity to find one that doesn’t charge a 3% to 5% fee to transfer the balance. Although the cost of the balance transfer
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New U.S. Bank Credit Card Reviews: Customize Your Cash Back and More

If you’re looking for a credit card with a long 0% intro APR on balance transfers or significant cash back earning opportunities, then you may want to check out two of our brand new credit card reviews: the U.S. Bank Visa Platinum Card and the U.S. Bank
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Social Media Privacy: How Do Your Habits Compare to the Average Person?

Last week, we wrote about the social media password habits of adults of all ages, using the results from a survey we recently conducted of 504 adults ages 18 and older. As a follow up, this week we’ve got our analysis of the rest of those survey
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Global Cyberattack Hits 150 Countries with Ransomware: How to Protect Yourself

Cyberattacks seem to be growing not only in sophistication, but in reach, and over the weekend the largest such attack occurred. Thousands of computers in hundreds of countries worldwide were infected by a strain of ransomware dubbed “WannaCry” (also referred to as “WanaCrypt”). The attack began on
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Which Credit Card Transactions Can’t Earn Rewards?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Chances are, if you own or are looking to
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How Secure are Your Social Media Passwords?

We preach about the positives of using strong, secure passwords for every one of your online accounts all the time, but the truth is that a lot of people probably don’t view every account they have as needing the same level of security as the rest. You
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Google Docs Phishing Scam: When Changing Your Password Won’t Cut It

Gmail users have already faced one advanced scam at the beginning of this year, so when the news broke yesterday that yet another round of eerily convincing phishing emails was making the rounds, many people were probably shaking their heads and saying, “Not again.” It’s no secret
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Best Business Credit Cards with No Annual Fees

When you run your own business, you quickly discover that there are costs associated with just about everything. Little costs can add up over time, so it’s nice to get a break from the extra fees when you can. That’s why choosing a business credit card with
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Federal Student Loans: What Students and Their Families Need to Know

It’s that time of year when prospective college students and their families are facing the future and making decisions about where to attend school. One of the biggest factors for students and their families to take into consideration is how to pay for college. There’s no denying
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Google is Punishing Symantec over SSL Certificates: How This Impacts You

If you’re a Google Chrome user, it’s possible you may have come across a warning while browsing the web that a site you’re viewing doesn’t have a valid SSL (Secure Sockets Layer) certificate. Although a fair amount of people might not know what that means, we can
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Data Breach Roundup: Payment Card Breaches, Microsoft Windows Vulnerabilities and More

A couple of years ago, it seemed like every time people turned around, a different retailer was being hit by a data breach. Nowadays, the focus of hackers seems to have turned toward hotels and restaurants, as we’ve seen from the numerous data breaches within both industries
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Will Bankruptcy Prevent You from Getting a Credit Card?

Bankruptcy is simultaneously financially liberating and debilitating, as it enables you to get out from under the weight of your debts while also putting a black mark on your credit that can remain for up to a decade. No matter whether you are just in the first
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Fixed or Rotating Cash Back: Which Credit Card is Best for You?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. When it comes to choosing a cash back credit
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Get 3% Cash Back at Restaurants with the New Capital One Premier Dining Rewards Credit Card

Editor’s Note: As of Sept. 11, 2017, the Capital One Premier Dining Rewards Credit Card is not available. Visit our reviews of the best credit cards to find the right card for your needs and spending habits.  Capital One is looking to serve up some generous rewards
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Are You Making Safe Online Payments?

Shopping and selling online has become a fairly ubiquitous habit for many people, and there are plenty of websites that offer both buyers and sellers the opportunity to connect and get the deals and sales they want without a lot of hassle. Unfortunately, this process also attracts
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3 Tips to Make Your Phone Less Hackable

We’ve written in the past about what to do if you discover that your phone has been lost — or worse — stolen. While the advice that you’d get in a situation like that is certainly valid and helpful, one thing most people who have gone through
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Smart Speakers and Voice Recognition: Is Your Privacy at Risk?

Using your voice to control the music coming out of your speakers, lock your doors or place an order for paper towels might seem like something out of a science fiction movie, but these days it’s a reality thanks to smart speakers like Amazon’s Echo. As convenient
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Is The Platinum Card from American Express Worth the Annual Fee?

A premium travel rewards credit card, The Platinum Card from American Express, (a NextAdvisor advertiser) just got better, as the card just received a number of upgrades to its perks and rewards. We recently wrote about our experience attending a special event with multiple American Express representatives
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Congress Halts Internet Privacy Protections: How Does This Impact You?

Less than six months after the FCC voted to pass a set of new rules to protect consumers’ Internet privacy, Congress has stopped them in their tracks with a vote to dismantle the regulations before they could truly go into effect. The bill, which was approved by
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What the Suspension of This IRS Tax Tool Means for Students Applying for Financial Aid

Right now is crunch time for high school seniors and college students all across the country who are applying for financial aid to help cover the cost of college, but a big wrench has been thrown into the middle of the process for some due to the
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Can I Decline a Credit Card if I Change My Mind?

Applying for a new credit card is an exciting and somewhat nerve-racking experience. Whether you’re hoping to be approved for a balance transfer credit card so you can take advantage of a 0% intro APR offer or you want a new rewards credit card to begin racking
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Tax Scam Hits Government Contractor: What You Can Learn from It

As the deadline to file taxes draws nearer, the scammers and identity thieves who thrive on stolen tax returns this time of year are ramping up their schemes. Nobody is exempt from falling for a tax scam, not even cybersecurity professionals, as shown by evidence that Virginia
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Russian Hackers Charged in the 2014 Yahoo Breach: What You Need to Know

It’s been a rough year or so for Yahoo, which announced not one, but two massive data breaches nearly back-to-back in the last quarter of 2016, and nearly lost its acquisition by Verizon as a result. Although they were revealed close together, the two breaches are thought
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Get a 0% Intro APR on Purchases with These Credit Cards

Updated: July 3, 2017 We talk a lot about credit cards with long 0% intro APR periods on balance transfers, but what if you’re looking for a lengthy 0% intro APR on purchases? If you have a large purchase planned in the near future, chances are you
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Credit Report Changes are Coming: Will Your Credit Scores Go Up?

Credit reports are an inescapable part of American consumer life, which means that what’s on them can make or break you when it comes to acquiring loans, opening credit cards, landing a job or even finding lasting love. Over the past few years, some changes have been
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Is It Possible to Catch Child Identity Theft Early?

One of the more insidious kinds of identity theft is child identity theft. Since children aren’t supposed to have credit in the first place, this crime is often not discovered until years after the fact, when the child has grown into an adult and goes to open
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National Consumer Protection Week: Tips for Being a Savvy Consumer

Most people probably don’t realize it, but this week is National Consumer Protection Week. Held for one week in March annually since 1998, this event is spearheaded by the FTC with support from government offices and private organizations alike with one common goal in mind: to help
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My Experience Getting a Discover it – Cashback Match Credit Card

Updated: September 20, 2017 When considering a new credit card, it’s important to look at what the card can do for you as well as what the drawbacks might be. Unfortunately, it can sometimes be difficult to ascertain whether a specific feature or perk will be as
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What’s the Best Credit Card for Your Lifestyle?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Like so many other things in life, credit cards
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Cybersecurity News Brief: Arby’s Data Breach, Email Privacy and More

Between data breaches and updates to social media network policies and new legislation, plenty has been happening in the wild world of cybersecurity over the past couple of months. 2017 has barely gotten started, and already we have seen plenty happening on the cybersecurity front. It’s hard
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Airport Trusted Traveler Programs, Biometrics and Your Identity: How They Relate

Anyone traveling by airplane in the U.S. over the past decade or so knows that getting through security can be an absolute nightmare. Not only does it usually require arrival at the airport hours before boarding time, but you need to ensure that you have a number
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Scammer on Line 2: Phone Scams Top the BBB’s Scams List

As you may have heard in recent news, the phrase “Can you hear me now?” has been resurrected by scammers telephoning unsuspecting victims and opening with that question. This simple, yet ingenious scam is designed to obtain a recording of your voice saying “Yes” which can be
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Data Privacy Day: Test Your Data Security Knowledge

Privacy is hard to come by in the Information Age, especially when it comes to the data we keep on our computers, smartphones and other devices. With everything from data breaches that expose your information to identity thieves to scammers who want to take advantage of you
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Which Credit Bureau Does My Lender Check?

If you are planning to apply for a new credit card or a loan, something you might want to know before you apply is which of the three credit bureaus — Experian, Equifax and TransUnion — the lender will use to check your credit. The benefits of
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Can a Balance Transfer Improve My Credit?

Updated: March 1, 2017 Credit is important in many aspects of life, both financial and otherwise, and if you are dealing with less-than-perfect (or downright poor) credit, chances are you’ve been looking for new ways to improve it. We’ve talked about the fact that using credit cards
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Earn 50,000 Bonus Points with the Southwest Rapid Rewards Plus Credit Card

When it comes to choosing a travel rewards credit card, if you are a loyal customer of a specific airline, it can pay off to pick an airline-branded credit card which offers special perks and rewards when you fly with it. For fans of Southwest Airlines, the
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3 Security Predictions for 2017 and How to Prepare for Them

As important as it is to look back on the year that just ended, when it comes to cybersecurity, it’s even more important to look ahead. In late November 2016, Intel Security released its annual McAfee Labs Threats Predictions Report for 2017, which included numerous security predictions
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State-Sponsored Hacking: Why You Should Care

If you’ve been paying attention to the news lately, you’ve probably heard plenty about sanctions taken against Russia by the Obama administration in response to what is being called, “significant malicious cyber-enabled activities.” The White House has said that state-sponsored hacking by Russia during the election, in
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Stick to Your New Year’s Resolution with These Credit Cards

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. The time of year has come to make resolutions
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You are What You Tweet: Teaching Teens Responsible Social Media Habits

Most adults are aware of the potential negative impact the things they post online could have on their personal and professional reputations. Teenagers, on the other hands, are often left out of the equation when we talk about managing your online reputation. Considering the majority of teens
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Why Isn’t My Credit Card Accepted Everywhere?

Although most credit card issuers claim that their cards can be used everywhere, that isn’t the case, as anyone who’s ever owned a Discover or American Express credit card can tell you. It can be mildly annoying to downright detrimental to discover you can’t use your credit
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If I Already Own a Credit Card, Can I Take Advantage of New Limited-Time Offers?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Q: I’ve had my credit card for a few
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1 Billion More Yahoo Accounts Hacked: What You Need to Know

It’s bad enough when a company experiences one major data breach, but two in a span of a few months is downright devastating. Yahoo users learned on Dec. 14 that their account data may have been stolen in yet another breach, which has double the potential user
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Why Can’t I Use My Chip Card Everywhere Yet?

If you live in the U.S., chances are you’ve received a new credit or debit card in the past year with a chip embedded in it. However, you’ve probably noticed that you can’t use your chip to make payments everywhere yet. Although it’s been more than a
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Should You Use People Search Services to Look Up Your Nanny?

When you hire someone to come into your home to perform a job, whether it’s a long-term service like taking care of your children or a one-time task like home repairs, you want to make sure that you aren’t inviting danger in. One way to make sure
[Read More]

Which Wells Fargo Credit Card is Best for You?

Updated: June 23, 2017 If you’re a Wells Fargo customer (or planning to become one), you might be considering getting a credit card with your bank to streamline your financial experience. The good news is, there are a number of Wells Fargo credit card options on the
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What You Need to Know About Credit Card Authorized Users

Most credit cards come with more perks and features than you might realize, such as travel benefits like roadside assistance and free credit scores printed on your monthly statements. One feature many people might not take notice of or understand is the ability to add authorized users
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The Future of Cybersecurity in America

There isn’t much of 2016 left, and what a year it’s been, especially when it comes to cybersecurity. Based on the data breaches and other security incidents that happened over the course of 2015, we already knew that nobody is untouchable by hackers. But that point was
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Best Credit Cards for Shopping on Cyber Monday

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. One of the best aspects of the Internet is
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Adult Website Data Breaches Pose Risk of Blackmail to Those Exposed

Few people find themselves excited about a data breach, but the information entrusted to certain types of websites certainly carries more potential to cause serious damage than others. When the database of a website is privy to some of the darker secrets its users would rather not
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Get 5X Rewards on Gas, Groceries and More with the Wells Fargo Rewards Visa Credit Card

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. If you’ve got a go, go, go lifestyle that
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What Should I Do if My Credit Card is Stolen While I’m Abroad?

When you leave the comfort and safety of your own backyard, especially if you’re traveling outside the country, the last thing you want to deal with is having your credit card stolen. Whether it happens the old-fashioned way by someone stealing your wallet or you’re the victim
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4 Ways Identity Theft Can Impact Your Life

Everyone knows that becoming a victim of identity theft can lead to credit problems and financial woes, but there are many more ways identity theft can impact your life than you might realize. Since 2003, the Identity Theft Resource Center (ITRC) has conducted a series of studies
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Earn 2X Rewards When You Shop Small with American Express

This offer has expired. Please visit our reviews of the best credit cards to find the right card for your needs. The ghouls and goblins have faded away into the night and the trick-or-treaters have hung up their costumes for another year. November is upon us, which means the
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Travel Rewards Credit Cards with the Best Travel Perks

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. When it comes to choosing a travel rewards credit
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Get Up to a 50% Relationship Bonus with the Wells Fargo Propel 365 American Express

Editor’s Note: As of Jan. 19, 2017, the Wells Fargo Propel 365 American Express is no longer available. If you’re already a Wells Fargo customer or are planning to become one, the Wells Fargo Propel 365 American Express Credit Card is an ideal rewards credit card for
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Earn 10X Points on Dining with The Blue for Business Credit Card from American Express

Editor’s Note: As of April 27 2017, this offer is no longer valid. Visit our review of The Blue for Business Credit Card from American Express to see the card’s current rewards and perks. Business owners looking for a credit card that offers big rewards and even
[Read More]

Webcams as Weapons: Hackers Exploit the Internet of Things to Launch a Massive DDoS Attack

Whether you were impacted by it or not, you’re probably aware that a major attack occurred on Oct. 21 which interrupted traffic for many popular websites, including Twitter, Netflix, CNN, Reddit and Pinterest. The efforts to bring down these sites were not aimed directly at any of
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3 Spooky Scams to Beware of This October

The month of October is all about tricks and treats, ghouls and goblins and the imaginary things that go bump in the night. Unfortunately, not all scary things are pretend — lurking in the shadows both online and offline are scammers, identity thieves and other criminals, and
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Earn Up to a $500 Bonus with the SimplyCash Plus Business Credit Card from American Express

Editor’s Note: As of Jan. 26, 2017, this $500 limited-time bonus offer is no longer available. Visit our SimplyCash Plus Business Credit Card review to see the card’s current offers. Already a stellar choice for any company looking for a business credit card that earns cash back,
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Two-Factor Authentication Through SMS Text Message: Not as Secure as You Think

Keeping our digital accounts secure is a tricky process, especially given how quickly information travels online — as soon as new security methods are developed, cybercriminals work to figure out how to get around them. Besides the fact that people aren’t so great at choosing strong, unique
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Pay No Interest on Holiday Purchases with These Credit Cards

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Let’s face it, no matter how much we all
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Voting Scams to Watch for This Election Season

No matter whether you’re a news junkie or prefer to live in ignorant bliss when it comes to the news, there’s not a single person in the U.S. who isn’t aware that this is an election year. The natural uptick in phone calls and emails and door-to-door
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Best Identity Theft Protection Services for Families

Updated: Dec. 30, 2016 Identity theft: it’s not something most of us want to think about, but all too often, we have to. These days, everyone is at risk due to the frequency and nature of data breaches. Although many breaches are limited to exposing adults’ information
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NextAdvisor Infographic Details Millennials’ Understanding of Their Financial Health

Understanding credit scores, checking credit reports, creating budgets — these are all important financial skills for a person at any age to have. It’s very important for those just getting started as adults to develop healthy habits when it comes to money, but often younger adults aren’t
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What to Do if Your Balance Transfer Credit Card Limit Isn’t High Enough

Updated: June 21, 2017 Whether you’re juggling balances on multiple credit cards that are all earning interest or carrying a balance on one high-interest credit card, a balance transfer is sometimes a necessary tool. While detailing the balance you’d like to transfer on the new card’s application
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What Kind of Balances Can I Transfer to My Credit Card?

Updated: June 21, 2017 The benefits of performing a balance transfer are plentiful, allowing you to take advantage of a new credit card with better benefits than your current card or buy a little more time to pay down a balance with a 0% intro APR period
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Yahoo Breach: More Than 500 Million Account Details Stolen

Any uncertainty as to whether or not Yahoo experienced a data breach has been put to rest, as the company released a statement today confirming what many already suspected. Earlier this year in August, the rumors began circulating that there had been a massive Yahoo breach when
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For-Profit Colleges: Are You Being Ripped Off?

For-profit college ITT Technical Institute (ITT Tech) has been making headlines over the past month after it shut down and subsequently filed for bankruptcy. This shutdown came after the U.S. Department of Education ruled that ITT Tech could no longer admit students who depended on federal financial
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How Can I Know if a Credit Card Has Been Opened in My Name?

Wells Fargo has been in the news recently after it was announced that more than 5,300 employees at branches across the country have been fired due to their involvement in scamming customers to meet their sales quotas. Among the violations Wells Fargo employees committed was the fraudulent
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Barclaycard vs. Capital One: Which Travel Rewards Credit Card is Best?

Updated: April 6, 2017 Do you travel a lot or wish you could travel more? A travel rewards credit card is a fantastic option to earn points that you can redeem for flights, car rentals, hotel stays and more by using the card for purchases that you
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Identity Guard Extends 30-Day Free Trial to Its Couple and Family Plans

Everyone likes an opportunity to try a product or service before making a financial commitment, and this is especially true when it comes to something that might offer features you have no experience using. Identity Guard expanded its top-notch identity theft protection and credit monitoring service earlier
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Surprise! Millennials are the Most Likely Scam Victims

When you hear the phrase “scam victim,” you likely picture an elderly person sending their money to a Nigerian prince or giving out their credit card details to someone over the phone, right? In general, the view of scams and those who get scammed is that they
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Teach Your Teen Responsible Spending Habits with a Prepaid Card

Your child’s teenage years are some of the last you’ve got as a parent to teach them how to survive in the real world while maintaining full control over their lives. One of the most important lessons a young person can learn before they’re on their own
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What Happens to Debt When You Die?

Though it isn’t a topic many people like to talk about, we’re all going to die someday, and making preparations for the inevitable can save the people you love a lot of unnecessary grief. Of course, it isn’t always possible to plan for death, but any person
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Eddie Bauer Reports Payment Card Breach: Should You Worry?

Customers who visited an Eddie Bauer location in the U.S. or Canada between Jan. 2 and July 17, 2016 should be on alert, as the company admitted in an Aug. 18 press release to an intrusion of its point-of-sale systems at all locations in North America. Upon
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Cyber Fatigue: The Risks of Weariness to Data Breaches

Cybersecurity should be a top concern of all businesses and organizations worldwide, but unfortunately, that isn’t always the case. We’ve seen evidence recently that nobody is untouchable, from political parties like the Democratic National Committee to major corporations like Sony and Target to the government itself. Newly
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Does My Credit Card Earn Rewards at My Favorite Store?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. One of the most commonly-asked questions when it comes
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MICROS Point-of-Sale Systems Hit by Data Breach: 330K Merchants Vulnerable

Something many data breaches that happen at retailers, restaurants and hotels have in common is that hackers accessed their systems and scored customer credit card data by exploiting a third-party connection. For example, the famous Target megabreach was perpetrated through stealing the company’s heating and air conditioning
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How Getting a Rewards Credit Card Now Can Help You Save in the Holiday Season

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Much as you probably don’t want to think about
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How Long Does It Take for My Credit Reports to Reflect Positive Changes?

If you are keeping an eye on your credit reports and scores and trying to make positive changes, you might be wondering how long it will take for actions such as paying a loan in full or reducing your credit utilization ratio by opening a new credit
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Why Your Credit Card APR Matters

Updated: June 3, 2017 There are a lot of perks and benefits to owning a credit card, which can include the ability to earn cash back, travel miles and points to exchange for gift cards and goods, as well as allow you to make a big-ticket purchase
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Pokémon Go Scam: Learn About the Phishing Emails Targeting Players

Phishing scams are nothing new, but those who use this type of scam to try and lure unsuspecting new victims are constantly revamping it to fit with current events and trends. The most recent trend that scammers have hopped onto is Pokémon Go. Of course, there is
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Are College Students Afraid of Credit Cards?

College students aren’t a demographic typically known for being financial savvy, and it’s understandable that popular opinion often paints young adults as having no clue how to manage their finances or use credit cards responsibly. Despite the many misconceptions about credit cards that people of all ages
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Russian Hackers Infiltrate DNC Computer Systems: How Does This Relate to You?

It would seem after data breaches and hacks within powerful companies like Sony and Target as well as hospitals and the U.S. government, nobody would be so foolish as to think themselves immune. However, the Democratic National Committee (DNC) seems to be learning a hard lesson on
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Pokémon Go and Your Privacy: What You Need to Know

Whether you’re part of the craze, or simply watching from the sidelines, it’s no secret that Pokémon Go has swooped in and taken the world by storm. It might be surprising to some, but children under 18 aren’t the only ones playing Pokémon Go. In fact, this
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Breaches at Wendy’s and Cicis Pizza Restaurants: Are You Impacted?

Another day, another credit card breach — or so it might seem. After several years of nonstop breaches in the news, it has become far more interesting for most consumers to observe the response time and method of dealing with a breach. While the world has moved
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Everything You Need to Know About Balance Transfers

Updated: Sept. 19, 2017 What do you do when you’ve gotten in over your head on your credit card payments and want to get a fresh start? In some cases, you might consider a personal loan, but for the most part performing a balance transfer to a
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Earn Money Toward a New GM Car with the BuyPower Card from Capital One

Planning to buy a new car? The BuyPower Card from Capital One offers hefty rewards that can be redeemed toward a new GM vehicle, plus additional benefits. Find out more.
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New Bill Proposes Changes to Credit Reporting and Scoring: Would It Impact You?

Your credit report is much like the permanent record that you were afraid would follow you around for years when you were in school and ruin your life — except, it is real and the information on it can impact your ability to open new credit accounts,
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Check Changing Your Passwords Off Your Summer To-Do List

Just a friendly reminder: it’s time to change your passwords, if you haven’t done so recently. In case you haven’t heard, online services and sites of all kinds, from Facebook and Netflix to GoToMyPC and Carbonite are forcing password resets for some users due to a rash
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Attention Costco Shoppers: Earn Generous Cash Back with the New Costco Anywhere Visa Credit Cards

If you shop at Costco and are looking for a credit card that offers generous cash back rewards, two new cards from Citi make an excellent choice. The Costco Anywhere Visa Card by Citi (a NextAdvisor advertiser) and the Costco Anywhere Visa Business Card by Citi (a
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IRS Brings Back Its ‘Get Transcript’ Feature: Is It Any Safer?

The IRS has been no stranger to attacks by cybercriminals over the past few years, as we saw when Russian thieves stole $50 million in tax return money in 2015 as a result of a major flaw in the security of the online “Get Transcript” tool. When
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What is a Password Manager and is It Safe to Use?

Password security is a highly debated and frequently discussed topic, especially considering how quickly cybercriminals are adapting to each and every new effort made by companies and apps to enhance the security of their passwords. While some companies like Google and Yahoo are testing out password-free logins,
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How to Delete Your Facebook, LinkedIn and Other Social Media

It might seem as though a life without Facebook or Twitter is a life not lived at all, especially in a society where we are connected every second as we transition from laptop to smartphone to tablet and back. Research from September 2014 by the Pew Research
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Bank of America Increases Earnings of Cash Rewards Credit Cards

Looking to make the most out of your credit card rewards this summer — and beyond? Bank of America has updated three of its cash rewards credit cards to allow cardholders to earn cash back on the first $2,500 in combined grocery, wholesale club and gas purchases
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Best Credit Cards for Victims of Identity Theft

Updated: Dec. 7, 2016 Identity theft is one of those crimes that packs quite a punch for its victims, and the effects can be felt for long after the initial fraud is discovered. It’s no secret that someone who is a victim of identity theft might see
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Millennials and Credit Cards: NextAdvisor.com Survey Reveals What They Understand

The financial needs and habits of a person in their twenties who is either finishing up college or a full-time member of the workforce are vastly different from those of someone older with a family and mortgage. This is especially true when it comes to credit cards,
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Data Breach Roundup: Wendy’s and LinkedIn Breach Updates and More

As the midpoint of 2016 draws closer, data breaches are still a central focus of American attention as companies like LinkedIn, Wendy’s and others disclose intrusions and deal with the resulting fallout. While across the pond, the European Union is implementing the General Data Protection Regulation, the
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The Do’s and Don’ts of Getting a New Credit Card

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Getting a new credit card is a big deal
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Can a Virtual Private Network (VPN) Secure Your Privacy Online?

Privacy invasion online is a big deal, especially considering how mobile we are these days with our technology. One of the best ways to ensure that work conducted by telecommuters or any other web browsing you do that you’d like to keep to yourself remains secure is
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Pyramid Schemes and Social Media: How to Avoid These Scams

For the most part when you hear about scams, they involve one stranger trying to take advantage of another stranger — such as fake moving companies that try to take advantage of people in the frenzy of a big move or email scammers hoping to trick people
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Recent W-2 Thefts and What They Mean for You

One of the unfortunate side effects of most services and companies moving their business data entirely online is the opportunity for hackers and identity thieves to access huge databases of sensitive information all in one fell swoop. Numerous employers — and their employees — across the country
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Free Windows 10 Upgrades to End in July: What Happens if You Miss the Deadline?

Have you upgraded your Windows 7 or 8/8.1 computer to Windows 10 yet? If not, and you think you would like to, your chance to do so for free is about to expire. As of May 5, Microsoft has announced plans for free Windows 10 upgrades to
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Russian Hacker Steals 273 Million Passwords: Was Yours Exposed?

Have you changed your email account password recently? No matter whether your last password change-up happened yesterday or six months ago, it’s time to change them all as soon as possible. Just in time for World Password Day, a trove of 273 million passwords and usernames for
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Can You Remove Search Engine Results?

Search engines on the Internet have grown from relatively small databases of websites people might find useful to enormous caches of millions of web pages, both old and new. “Google” is now used colloquially as a verb, and often the first move made by an employer or
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Can You Trust Airplane Wi-Fi?

Flying isn’t what it used to be in many ways, especially when it comes to technology. Not only can passengers today use their electronic devices throughout the entire flight, but many airplanes now come with Wi-Fi networks so travelers can stay connected from 30,000+ feet above the
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Credit Reports 101: How to Check Your Credit Reports

One of the most important parts of understanding and maintaining your financial health is awareness of what your credit reports say. Surprisingly, a large amount of Americans have never checked their credit reports or only check them infrequently. A Google Consumer study conducted in 2013 by TransUnion
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Changes are Coming to Facebook Messenger: What They Mean for Your Privacy

Facebook has evolved from a simple social network for college students to connect with one another to a social media powerhouse dominating nearly every corner of the web. Based on the announcement of new updates for Facebook’s Messenger app, the company’s evolution is far from complete. That
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It’s Time for Windows Users to Uninstall QuickTime: Here’s Why

If you are a Windows PC user that still has QuickTime 7 installed, it’s time for you to uninstall the program as soon as you possibly can. This is a warning that comes from both cybersecurity researchers at Trend Micro as well as the U.S. Department of
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What Gets Reported to Your Credit Reports (and What Doesn’t)?

So, you might understand what your credit reports are and how they can affect a great many aspects of your financial life, but do you know exactly what gets reported to them in the first place? Although it’s obviously a good idea to pay all of your
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How a New Glitch Can Render Your Apple Device Useless

Few people have much use for an inoperable phone or tablet, and the hassle of replacing a mobile device that has frozen up or otherwise malfunctioned is one the average person wouldn’t wish on their worst enemy. Owners of Apple iPhones and iPads will want to ensure
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Why are Hospitals Easy Targets for Ransomware?

Ransomware, a vicious form of malware which locks up files, programs or even entire computer systems and prevents users from accessing them until a ransom is paid, has been a growing problem for all manner of consumers and businesses in recent years. One type of business that
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Ransomware Threat Pushes Emergency Adobe Flash Update

If you are using a Windows-operated PC, chances are you have Adobe Flash installed on your computer. This often-maligned software platform has been in the news countless times over the years due to its many security flaws, but unfortunately, it still continues to be necessary in order
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How Can I Dispute an Incorrect Item on My Credit Reports?

Your credit reports are essentially the lifeblood of your financial health, and if one or more negative items winds up on them, the consequences include lower credit scores, diminished opportunities when it comes to opening credit cards or taking out loans and even possibly getting passed over
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Trump Hotels Breached Again: Who Does It Affect?

Some companies that experience data breaches make major changes to their security measures and don’t suffer the same problem again. Others don’t upgrade quickly — or effectively — enough and are hit again by hackers that know they’re already weak and susceptible to intrusions. Trump Hotel Collection
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Too Good to Be True: Scholarship Scams and How to Avoid Them

The end of the school year is approaching for high school students across the country, and most are turning their focus on the next step, which for many is higher education. Along with applying for acceptance to the school of their dreams comes the need to find
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Data Breach Roundup: These New Security Issues are No Joke

Friday may have been April Fool’s Day, but there’s no laughing when it comes to what goes on in the ever-changing world of cybersecurity. While much of the country has been focused over the past couple of months on the tax industry’s ongoing woes with identity theft and
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Gear Up for Graduation With These Grad Photo Card Deals

Whether you’re the parent of a child about to graduate or getting ready to graduate yourself, the time has come to start ordering stationery and supplies for the big event. Photo cards are a great way to formally announce to your friends and family that something big
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Why You Shouldn’t Trust Public Wi-Fi Networks

Weary travelers at airports and broke college students studying at coffee shops are equally thrilled to see “free Wi-Fi hotspot” signs or locate networks they can connect to for free, but as nice as the luxury is, you can’t always trust public Wi-Fi networks. Using it often
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Verizon Enterprise Data Breach Exposes 1.5 Million Customers: Who is at Risk?

Verizon Enterprise Solutions, which is the business branch of the wireless telecommunications giant, has been called upon more than once in recent years to help fortune 500 companies respond to data breaches, but now it’s facing a breach of its own. According to cybersecurity analyst Brian Krebs,
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IRS Warns of 400% Increase in Email Scams This Tax Season

It’s no secret that 2016 has so far been a landmark year for tax identity theft, and according to the IRS, an increase in email scams has been significant. In a statement released on Feb. 18, the bureau said it has seen an overall increase in phishing
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Are Payday Loans Legitimate? Lawmakers and Consumers Have Different Opinions

Payday loans are hotly contested across the country, and have been for many years. Many states have created their own legislation to try and control predatory payday lenders within their borders, but the advent of online payday loans has made it apparent that regulations at a federal
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Barclaycard Launches New JetBlue Card

If you’re a frequent flyer with JetBlue and Hawaiian Airlines, then you’re going to want to get the new JetBlue Card from Barclaycard into your wallet. In addition to 2 points per $1 spent at grocery stores and restaurants and 1 point per $1 on all other
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Will a Personal Loan Fund Your Home Repair Project?

The first day of spring is March 20, which means the days are growing longer and summer isn’t too far behind. While many across the country are still battling ice and snow, soon the weather will warm up and thoughts will turn toward outdoor activities. Some people
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Study Shows Craigslist is Rife with Rental Scams: 4 Clues to Avoid Them

Just about everywhere you look these days, someone has figured out a way to scam other people out of their money and time. We’ve already written about the risks of getting scammed when it comes to hiring a moving company, but what about finding an apartment itself?
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Identity Guard vs. TrustedID: Which Service Offers the Best Family Plan?

Editor’s note: As of June 28, 2016, TrustedID is no longer available. More parents than ever are concerned about protecting not only their own identity, but the identities of their children and other family members. Between major data breaches at healthcare companies and government agencies over the
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What is Ransomware and How Can I Avoid It?

Imagine you’re using your computer on a typical Saturday night, perhaps catching up on email or looking for the perfect movie to download and watch. You click on a seemingly innocent link and the file downloads and installs onto your computer. Suddenly, your entire screen goes black
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Credit Reports 101: The Basics Everyone Needs to Know

Credit reports can be a difficult concept to wrap your head around, whether you’re a fresh-faced college grad or approaching retirement, but they contain information that is vital to all areas of your life. The better you can grasp the basics of your credit reports, the easier
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Identity Guard Introduces Couples and Family Plans

Updated: Sept. 20, 2017 Although Identity Guard has been our No. 1 ranked identity theft protection service for years, its one downside in many of our reviews has always been the lack of a comprehensive family plan. Although individual adult members could add children under 18 to
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How are the IRS, States and Tax Industry Protecting Taxpayers from Identity Theft?

Updated: March 7, 2016 Over the past two years, taxpayers across the country have been under assault from identity thieves aiming to infiltrate both state and federal systems and steal their refunds. Last year, TurboTax made headlines for all the wrong reasons when it temporarily halted state
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IRS Breach Numbers Nearly Triple the Original Estimate

It’s getting harder and harder to trust the federal government when it comes to protecting data, as shown by recent massive data breaches within both the Office of Personnel Management (OPM) and the IRS. Unfortunately, the IRS breach that was announced nearly a year ago seems to
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Dirty Dozen 2016: IRS Cites Identity Theft as No. 1 Scam

At the beginning of every year now for more than a decade, the IRS has rounded up the top 12 most commonly reported scams it has come across over the last year to create a list it calls the “dirty dozen.” This list helps warn consumers of
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Can I Trust the BBB?

It’s common to see stickers and placards in business windows and buttons displayed proudly on website home pages proclaiming a company’s rating with the Better Business Bureau (BBB). While many people utilize this organization to research companies or services they’d like to use, or lodge a complaint
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IRS Systems Hacked by Cybercriminals Again: Is Your Information Safe?

If the headline of this article is giving you déjà vu, it’s probably because it hasn’t even been a whole year since the last IRS data breach was reported. Now, less than a month since the 2016 tax season officially began, the bureau says it has caught
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Safer Internet Day 2016: Are You Playing it Safe Online?

Editor’s Note: As of Feb. 12, 2016, Google’s 2 GB of free storage offer is no longer valid.  We all want to have safer homes, schools and workplaces, and part of feeling secure in today’s world includes the ability to feel safe online. To promote safety in cyberspace
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TaxSlayer, TaxAct Report Tax-Refund Fraud: What Does This Mean for You?

We’ve already warned you about the real dangers of tax-refund fraud, which is one of the leading causes behind a 47% spike in identity theft complaints to the FTC in the past year, and it seems like thieves are wasting no time hitting tax services this year
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Data Breach Roundup: Wendy’s, Landry’s and More Kids’ Tech Toy Woes

Identity theft never takes a vacation, as evidenced by the numerous data breaches that have been uncovered in the first month or so of 2016. It’s important for consumers to be wary at all times and keep an eye on the news to be sure they haven’t
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Microsoft is Making Windows 10 an Automatic Upgrade: Can You Stop it?

Have you upgraded to Windows 10 yet? If not, your computer might soon do it for you whether you like it or not. Although Microsoft boasts on its home page that millions of people around the world are already using Windows 10, clearly not enough have taken
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Tax Fraud is Behind Recent 47% Spike in Identity Theft: What Can You Do?

Identity theft is on the rise, and it doesn’t seem to be going away anytime soon. According to the Federal Trade Commission, it saw an unbelievable 47% spike in identity theft complaints between 2014 and 2015. While a number of different types of crime contributed to this
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Can I Get a Personal Loan with a Cosigner?

Q: I would like to apply for a personal loan with a cosigner. Are there any services that will allow this? Good question. First, it’s important to understand what a cosigner is and how it might differ from signing for a loan on your own or applying
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What 2015’s Worst Passwords List Can Teach Us

By now, you’d think most people would be aware that passwords are important. After all, the average person uses at least one password per day to log into various accounts from email and social media to their work computers and online bank accounts. Surprisingly, though, password security
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Why is Wedding Website Privacy Important?

The goal of most websites people create is for them to be seen, preferably by as many other people as possible. Whether it’s a simple blog talking about your favorite hobby or a page advertising your small business, traffic from other people finding and viewing your site
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Microsoft Ends Support for Windows 8 and All But Internet Explorer 11

Although it is certainly possible to try and hold out when it comes to upgrading your computer system or Internet browser to a newer version from the old standby you know and love, companies like Microsoft make it much more difficult by disabling support for these older
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What is the Internet of Things?

Chances are, you’ve been hearing an awful lot about the Internet of things over the past few years. As ubiquitous as the term is, many people might not know exactly what this term means (or what it means for them). To help you understand what it means
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6 Identity Theft Lessons 2015 Taught Us

The past year was a big one in the world of identity theft and information security. Millions of Americans saw their information exposed in more than one breach, and most people probably have at least one or two notification letters from various companies to prove it. Between
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How a Loan Can Get Your Year Off to a Great Start

2016 is officially here, and many people are turning their sights on all kinds of plans and goals for the year ahead. Whether you’d like to get your small business off the ground or take the plunge and complete your dream kitchen remodel, you might find that
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Don’t Let Identity Thieves Steal Your Tax Return

Updated: Jan. 25, 2016 It’s that most-dreaded time of year again for Americans everywhere: tax season. Last year saw record-breaking instances of tax fraud, with security issues at both the state and federal levels raising eyebrows. Although many efforts have been made by governments and tax preparation
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Should I Put a Credit Freeze on My Credit Reports?

This is a question that many people find themselves asking, especially with so many security breaches exposing millions upon millions of Americans’ vital information over the past year or so. The simple answer? Yes, as a recent report published by the consumer advocacy group U.S. Public Interest
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Watch Out for Zombie Debt Collection Scams

Anyone who’s ever had a bill or credit card go into default knows how annoying debt collectors can be. The unfortunate reality of today’s financial landscape makes it so any debt you have can be passed on to collection agencies, which often sell debts to other collection
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Newly Engaged? Create a Free Premium Wedding Website with Minted

One of the benefits of planning a wedding in today’s world is the ability to use the Internet to spread the word to your friends and family. While email and social media work just fine for some things, such as communicating with your bridal party or announcing
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191 Million Registered Voters Exposed: What You Should Know

A researcher named Chris Vickery made an unsettling discovery recently when he uncovered a database of what appears to be U.S. voter registration information, completely unprotected and available for anyone online to find. After alerting security watchdog site DataBreaches.net, Vickery teamed up with site administrators and a
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It’s Engagement Season: Wedding Scams Couples Should Look Out For

Although the most popular time of the year to get married is during the warmer months, particularly June, a significant amount of engagements happen during the winter holiday season. According to a 2013 survey by event planning service Chilisauce, the most popular day of the year for
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5 Credit Cards to Help You Pay Off Your Holiday Balances

Updated: July 28, 2017 It’s easy to go overboard during the holidays, especially when it comes to buying gifts and making travel-related purchases. Whether you’ve been preparing all year to purchase that big-ticket item or simply got a little too into the holiday spirit, you might find
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Buyers Beware: Recent Breaches Consumers Should Know About

By this point, holiday shoppers are well aware of the dangers that lurk online as well as in the various stores and restaurants they visit this time of year when it comes to fraud. In case you’ve forgotten, perhaps news of two data breaches that was broken
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Chrome Introduces Push Notifications for Desktop: What Does This Mean for Me?

Facebook users who surf the web on Google Chrome may have noticed something new happening on their computers in the past week or so. Users who are signed into their Facebook accounts can now receive “push notifications” that pop up directly on their desktop to let them
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Should You Let Your Child Post Selfies?

As of last year, the word “selfie” is officially a part of the Merriam-Webster dictionary, and it seems like people from all walks of life are taking and posting pictures of themselves online for the world to see. Whether you think selfies are ridiculous or not, this
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Is Your Grandchild Really in Trouble? Beware of the Grandparent Scam

Most grandparents are delighted to receive a phone call from one of their grandchildren, something scammers across the country are taking advantage of with phony extortion calls. According to a 2012 FBI news story, these scams usually involve someone calling and either posing as a person’s grandchild
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VTech Breach Exposes Data of 6.3 Million Children and 4.8 Million Parents: Should You Worry?

If you’re the parent or relative of a young child, chances are you might find a smartwatch or tablet designed specifically for kids on their holiday wish list this year. Tech toys are a hot commodity popular with parents and children alike, but the unveiling of a
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Which Credit Cards Offer the Highest Rewards Rates?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Not all rewards credit cards are alike, and it
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Save on Holiday Cards with These Cyber Monday Deals

Updated: Dec. 1, 2015 The holiday shopping season may have officially kicked off the day after Thanksgiving with Black Friday, but it’s far from over. Today is known as Cyber Monday, as web retailers put their wares on sale to attract holiday shoppers who didn’t get enough
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Is Your Local Charity Thrift Store a Scam?

Throughout the year, but especially in the months of November and December, people across the U.S. make charitable contributions to those in need. Some people donate money and time, while others donate food and clothing. Although you might not want to believe that people take advantage of
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How Can I Get More from My Rewards Credit Card?

Editor’s Note: Although all the information in this post was valid at the time of publishing, some of the card offers listed below may no longer be available. Visit our credit card reviews to see the current card offerings.  If you’ve ever had a rewards credit card,
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What to Do if Your Phone Goes Missing

In many ways, a person’s cell phone can be just as or more valuable than their wallet these days — which, in turn, makes it more vulnerable. The introduction of mobile payment apps that let you shop and bank without needing to pull out a physical card
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It’s the End of the World and You’re Getting Scammed

Most people can remember at least one major apocalypse scare that happened during their lifetime, from the predicted chaos of Y2K to the more recent 2012 doomsday that sparked a Hollywood blockbuster and tons of Internet conspiracy theories. People love to talk about the end of the
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Why You Should Google Yourself

The Internet is no longer a place where people can expect anonymity. Career-oriented sites like LinkedIn urge job seekers to market themselves online to improve their chances of getting hired, and social media puts pressure on everyone from grade school kids to grandparents to share everything from
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JPMorgan Chase Revealed to Be Victim of Biggest Bank Breach in U.S. History: What You Should Know

Recent charges have been filed by the U.S. Attorneys of Atlanta and the Southern District of New York against several people in connection to the hacking of 12 U.S. financial institutions, including JPMorgan Chase, E-Trade Financial and Scottrade. Although initially the reported number of customer accounts exposed in
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Show Your Thankfulness This November with 3 Great Deals on Photo Cards

While we’d all love to be able to gather around a dinner table laden with hearty autumn dishes with all of our loved ones this Thanksgiving, the truth of the matter is distance and time make it hard for most people to achieve that. However, just because
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The Future of Payday Loans in America

Updated: March 21, 2016 Most people are aware that payday loans aren’t the most financially sound solution for taking care of everyday money problems, but that doesn’t stop millions of Americans from using these services on a daily basis. The numbers are almost unbelievable, as Alabama recently
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Cybersecurity Information Sharing Act (CISA) Passed by Senate: What This Means for You

What many Americans might consider to be universally good news (the passing of a bill aimed at fighting cybersecurity threats) has come under heavy fire due to privacy concerns. Dubbed the Cybersecurity Information Sharing Act (CISA), the U.S. House of Representatives passed the bill in April of
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Small Business Loan Lingo: 3 Terms You Should Know

The process of taking out a loan can be a daunting one, especially for small business owners who might not have much experience when it comes to this type of financial transaction. Just as you wouldn’t try and open up a new credit card without getting an
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Yahoo Brings Users Password-Free Logins: Are They Secure?

Remembering one password is hard enough, but in order to maintain a secure online presence in today’s world, most people wind up having dozens of separate, secure passwords for all the accounts they have. Add in the need to change them on a regular to semi-regular basis,
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Why You Shouldn’t Put Off Updates for Your Technology

We live in a technology-saturated world, and all technology — from apps to software to operating systems — requires consistent updates to function properly. It can be annoying to have to constantly run updates, especially when they can slow down your computer or device, but you shouldn’t
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Your Love Life and Your Credit Scores: They’re More Related Than You Think

Updated: Jan. 12, 2016 When it comes to love, many people are looking for someone to commit to and settle down with. Many different aspects of a person’s life and personality, from height to their favorite ice cream, are touted as indicators of whether they’ll be a
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Don’t Share That! Tips to Avoid Exposing Your Identity Online

We live in a culture that shares everything, even the things that shouldn’t be shared. While it’s certainly important to think twice before sharing potentially embarrassing moments or inflammatory thoughts on social media, it’s imperative that you steer clear of sharing anything that could expose your identity.
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Hilton and Trump Hotel Breaches: What You Need to Know

Updated: Nov. 25, 2015 If you thought credit card breaches were limited to restaurants and retail stores, you were unfortunately mistaken. Cybersecurity blogger Brian Krebs has written about numerous hotel chain credit card breaches over the past year, including Mandarin Oriental and White Lodging, and he has
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4.6 Million Customers Affected in Scottrade Breach: Are You One of Them?

October is National Cyber Security Awareness Month, and it’s off to a pretty dismal start. Following the Experian breach announcement yesterday that affected 15 million T-Mobile customers, today retail brokerage Scottrade announced it had discovered a breach in one of its systems. In a press release posted
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Make Your October Spooky with Deals on Halloween Photo Cards

Updated: Oct. 7, 2015 It’s officially the month of October, and you know what that means: only 30 days left until Halloween! The weather for many across the country is turning cooler, leaves are changing color and kids are beginning to put together their costumes ahead of
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Should You Entrust Your Security to Biometrics?

All too often, science fiction or action movies feature a scene where a character runs into trouble trying to break into a room because the doors won’t unlock without a specific person’s fingerprint or eye scan. While these types of security systems might still be rooted in
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How Much Can You Save with a Balance Transfer?

Updated: July 20, 2016 Although it’s ideal to pay off the balance on your credit card each month, sometimes emergencies or life itself gets in the way and you incur a balance you can’t fully pay down. The interest on many credit cards can get as high
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How to Make Sure You’re Downloading Safe Apps

Although it’s often been touted by Apple fans that its products are immune to viruses or malware, that’s simply not true, as the company and many users discovered this week. The tech giant scrambled to remove dozens of malicious apps found on its app store, following their
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Never-ending Breach: OPM Says 5.6 Million Fingerprints Were Actually Stolen in Hack

The Office of Personnel Management hack is seeming a little bit like the Energizer Bunny these days — it keeps going and going. Unfortunately for the victims of this massive data breach, there’s nothing positive about the details that have been released little by little over the
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Small Business Credit Card vs. Small Business Loan: Which Option is Best?

Updated: October 19, 2015 When you’re a small business owner, you know that costs can add up pretty quickly. Sometimes you need more cash than you have on hand, and when that happens, you wind up having to turn to an option like a loan or a
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Android Pay is Coming to a Phone Near You: How Safe is It?

Android users rejoice: almost exactly one year after Apple Pay debuted, Google is following up with its own mobile payment system, aptly named Android Pay. According to a post on the Official Android Blog, the new payment system will be rolled out within the next few days
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Two-Factor Authentication: What is It and Why is It Important?

By now, most people are aware of the importance of creating strong, unique passwords for all of their online accounts. If you aren’t already practicing smart password habits, you certainly should. With websites of all kinds being hacked daily and scammers spamming people’s inboxes with phishing attempts,
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Sex Offenders and Your Identity: What You Need to Know

If you’ve read our reviews for identity theft protection software, you might have noticed that many services offer a sex offender registry search feature. However, you might be confused as to what sex offenders have to do with identity theft. The National Sex Offender registry maintained by
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Excellus BlueCross BlueShield Hack Exposes 10 Million Personal Records

If your health insurance provider is Excellus, we’ve got some bad news for you. According to NBC News, health insurance company Excellus BlueCross BlueShield released a statement on Sept. 9 saying it has suffered a data breach which exposed the records of 10 million customers. Although the
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Which Direct Loan Service is Right for My Small Business?

Small business owners often run into a need for extra cash and find that the lengthy process of taking out a loan from a traditional bank doesn’t fit into their time frame. The alternative lending market that has sprung up online in recent years seeks to provide
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$1.2 Billion Lost to Business Email Compromise Scams This Year: How Can Your Business Stay Safe?

Businesses small and large are targeted constantly by scammers and hackers, but small businesses are the most vulnerable due to limited resources to devote to IT and other preventative measures. One of the biggest scams targeting businesses in recent years is known as Business Email Compromise (BEC)
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Celebrate the End of Summer with 30% Off from Tiny Prints and More

Labor Day is less than a week away, and for many that is the signal that summer has finally come to a close. Celebrate the end of summer and fall into the fun autumn and winter bring with great deals from Tiny Prints, Pear Tree Greetings and
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Introducing NextAdvisor.com’s New Small Business Loans Category

Are you an entrepreneur just getting started or an established company in need of some extra cash to purchase equipment or hire additional staff? Going through a bank for a traditional loan may result in a long wait while you fill out form after form, and chances
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KeyRaider Malware Exposes 225,000 Apple Accounts: Are You at Risk?

Historically, Apple computers and mobile device users haven’t had much to worry about when it comes to viruses and other malware. However, sometimes hackers are able to break through, and recently they’ve managed to do just that with an exploit called KeyRaider that has exposed over 225,000
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Which Credit Cards Offer Free Credit Scores?

Updated: Dec. 7, 2016 Choosing a new credit card can be an undertaking, especially as you weigh the potential benefits offered against each other. While many people focus on credit cards that offer rewards in the form of cash back, travel miles or points to redeem for
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Geolocation: Beneficial or Dangerous?

Have you ever wondered how Facebook seems to know the exact city you’re posting from? Whether you’re on a computer, a smartphone or some other type of electronic device, chances are it has geolocation functions built into it. Geolocation is the term for the identification of the
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Ashley Madison Hack: How It Might Impact You

By now, you’ve probably heard about the hacking and subsequent release of user information from infamous dating website Ashley Madison (which uses the motto “Life is short, have an affair”). If you aren’t in the loop, a group of unknown hackers broke into the website’s database and
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Which Identity Theft Protection Service is Best for Children?

You might not think you need to worry about your child’s identity, but that’s unfortunately not true. Identity theft is on the rise, especially as more and more Americans under the age of 18 are being exposed in data breaches like the one at health insurance company
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IRS Cyberattack is Worse Than Originally Thought: More Than 600,000 Taxpayers Affected

Just a few months ago in May, the IRS announced it had been breached by hackers who used data obtained elsewhere to access prior-year tax return information for more than 100,000 Americans. After conducting a more thorough investigation, the agency announced Aug. 18 that its original estimates
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Windows 10 and Your Privacy: What You Need to Know

A new version of any software is bound to have some issues, but Microsoft’s Windows 10 is making more than a few waves. This is primarily due to a number of questionable invasions of privacy present in the new operating system’s features which have people’s eyebrows raising.
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Did You Know Your Browser Has Built-In Malware Protection?

The true benefits of Internet security software are often debated, especially among those in the tech fields, but for the average person who needs a little extra security while navigating the web, these programs can be a lifesaver. Most top-rated security programs include built-in web browsing protection,
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4 Back-to-School Identity Theft Tips to Keep Kids Safe

Summer is drawing to a close, which means children across the country will be lacing up new sneakers and sitting down in new desks for the start of another school year. Parents have enough to worry about when sending their young ones out into the world without
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Stagefright Bug: What Android Users Need to Know

Updated: August 10, 2015 Anyone using a smartphone with Android version 2.2 or later should be aware of a major security flaw that was discovered which could enable a hacker to take control of your phone just by sending you a text message. According to Fortune, they’re
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Attention OPM Breach Victims: The FTC is Not Calling You

As if the over 21 million federal employees whose information was breached when the Office of Personnel Management’s computer system suffered a major hack earlier this year didn’t have enough to worry about, the FTC is warning about a phony phone call targeting them. According to a
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FTC is Taking Action Against LifeLock for Misleading Consumers and More

The Federal Trade Commission announced on July 21 that it is taking action against LifeLock due to the identity theft protection company’s violation of a 2010 settlement with the FTC as well as 23 state attorneys general. Despite agreeing to the terms of the settlement five years
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Planning to Move This Summer? Beware of Moving Scams

Whether you’re just wanting to move a couple of boxes or need to transport the contents of an entire house from one side of the country to the other, moving is certainly stressful. Sometimes you can get away with doing it all on your own, but often
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OPM Providing CSID Protector Plus to Breach Victims: How Does It Measure Up?

The hallmark of a large-scale data breach is the offering of free credit monitoring and identity theft protection from the breached company to its exposed customers. While retailers like Home Depot and Target have gone with services such as AllClear ID and ProtectMyID, the Office of Personnel
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Should My College Student Get a Credit Card?

It might feel like summer has only just begun, but before you know it schools all across the country will be back in session. Many colleges start in August, especially for freshmen who will attend orientation, so it’s a good idea for students and parents preparing for
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Possible Credit Card Breach Hits CVS Photo, Costco and More

If you take advantage of your local CVS, Costco, Rite Aid or other similar stores to have your photos printed online, you might want to double-check your credit card statements. Following the shutdown of Walmart Canada’s Photocentre website on July 14 after it became aware of a
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Should I Get Rid of Adobe Flash?

If you use Google Chrome or Mozilla Firefox as your web browser, you may have noticed recently that Adobe Flash is disabled or blocked. In fact, the latest Firefox update specifically blocked Flash (although the company later updated again to re-enable its use). For those that don’t
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Celebrate Christmas in July with Pear Tree Greetings

If it seems too early to be thinking about the winter holidays, that’s because it definitely is. We’re just getting into the good part of summer, and most people across the U.S. are focused on soaking up the sun and staying cool. Santa and his reindeer just
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Is Facial Recognition Technology the Future?

Updated: July 21, 2015 A decade ago, social media was just beginning to bloom and people were only sharing their photos and thoughts with handfuls of trusted family and friends. Ten years later, social media dominates our lives and sharing every moment through photos snapped instantly from
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OPM Breach Update: 21 Million Social Security Numbers Stolen

Updated: July 10, 2015 The stakes keep getting bigger for federal government employees whose information was compromised in the recently discovered Office of Personnel Management hack — and now employees’ family members could be at risk as well. New information indicates that, rather than the initial report
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4 Tips to Protect Seniors Against Fraud and Identity Theft

Although most anyone can be a target of fraud and identity theft, senior identity theft is on the rise and those ages 50+ are often in the cross-hairs of scammers. The U.S. government is taking steps to help circumvent the high level of fraud aimed at seniors,
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FTC Returns $4 Million to Consumers in Debt Collection Settlement

In a win for consumers across the country, the Fair Trade Commission (FTC) has begun mailing 95,000 checks totaling approximately $4 million to consumers who lost money to extortion, following a settlement with the collection agency responsible. The FTC settled charges in 2014 against Asset Capital and
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Customer Service Survey Scams: Don’t Fall for Them!

Scammers are creative when it comes to devising schemes to try and steal your identity and money, and the BBB and the AARP have been warning consumers about such a scam lately regarding fake customer service surveys. These days, lots of businesses try to entice customers by
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Samsung Keyboard Flaw: What You Need to Know

Samsung mobile device users should be aware that a vulnerability has been discovered which could allow hackers to take full control of your phone or tablet. Discovered in November 2014 by mobile security firm NowSecure, the security flaw is with the updating mechanism for the built-in keyboard
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Will We Be Using Emojis in Passwords Soon?

What if you could use a broken heart, a smiley face, a soccer ball and an ocean wave as a PIN for your online bank account instead of four digits? UK company Intelligent Environments has developed new technology to allow people to use emojis instead of numbers
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How Can I Build Credit if I Don’t Have Any?

Updated: Dec. 7, 2016 While it’s assumed most people without credit are young adults, the truth of the matter is many Americans don’t have an established credit history. According to a recent Wall Street Journal article, a whopping 53 million Americans don’t have credit scores. What can
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LastPass Breach: Are Password Managers Really Secure?

Password managers are growing more and more popular as people struggle to juggle the large amount of username/password combinations required for life in a digital world. Many of these programs are cloud-based, meaning your information is stored on the cloud in an encrypted “vault” and secured with
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Federal Breach Employees Offered Credit and Identity Monitoring from CSID

Updated: July 9, 2015 The Office of Personnel Management, which suffered a recent security breach which exposed the personal information of four million federal government employees, is offering complimentary credit monitoring and identity theft protection to all affected employees. The OPM has chosen to use CSID, a
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3 Summer Scams to Avoid

Scams happen year round, but there are certain ones you see more frequently at different points in the year. Summer is the time of the year where everyone wants to pack in as many fun outdoor activities as possible while the weather is nice and the days
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Federal Government Breach is Far Worse Than Originally Thought

The recent breach of the U.S. Office of Personnel Management which exposed the information of 4 million employees is potentially a lot worse than the government has made it out to be. According to a letter obtained by the Associated Press from J. David Cox, president of
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Free Upgrade to Windows 10: It’s Not a Hoax

If you own a Windows computer running Windows 7 or 8, you may have noticed a Microsoft logo appear in your taskbar within the past couple of weeks. While you might be hesitant to click on it for fear of it being some kind of virus or
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How Can I Keep My Identity Safe While I Travel?

Going on vacation is an exciting time, but it can also leave you vulnerable to identity thieves in many ways that you might not realize. Whether you’re getting out of town for a weekend, taking a cross-country road trip or spending a month abroad, it’s essential to
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Government Data Breach Exposes 4 Million Federal Employees’ Information

One of the largest thefts of government data ever seen was announced today by the Department of Homeland Security, which is working with the FBI to investigate the attack. The government data breach, which involved the infiltration of the systems of both the Office of Personnel Management
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Is Your Old Cell Phone Putting Your Privacy at Risk?

It seems like every few months a new batch of smartphones is released — each offering better features than the ones that came before. Cell phone companies push customers to upgrade their phones regularly, which means that most of us have gotten rid of at least a
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Delight Dad with Custom Father’s Day Photo Cards and Gifts

Father’s Day is just around the corner on June 21. Do you know what you’re getting him yet? Whether you’d like to send a customized photo card of your family to your dad across the country or want to gift your husband a personalized frame of your
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Should You Use Webcam-Based Doctor Services?

It’s a situation many Americans face at least once every year — you have a busy day ahead of you but woke up feeling sick. You know you should probably visit a doctor, but that means taking time off of work or otherwise disrupting your schedule. The
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Target Breach Settlement: Deadline to File a Claim is Approaching

A settlement has been reached for consumers affected by the 2013 Target data breach which promises a $10 million payout. The breach, which compromised the credit and debit cards as well as personal contact information for more than 100 million customers, marked the beginning of a string
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$50 Million Stolen in IRS Attack: Russian Hackers Suspected Identity Thieves

So far, 2015 has not been the year for the IRS and other tax-related services. First, Turbo Tax was rumored to have been breached and temporarily halted state e-filing in the wake of multiple fraud attempts. Then, word got out that state tax fraud had spiked an
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5 Ways to Teach Your Teen About Money

Learning how to manage money is one of the most important lessons that a teenager can have imparted upon them while they are still living with their parents or guardians. The financial climate in America is not the greatest, what with student loan debt skyrocketing and credit
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IRS: Thieves Obtained 100,000 Tax Returns with Stolen Information

The IRS recently announced that thieves used stolen social security numbers and other information in its systems to access prior-year tax return information for approximately 100,000 U.S. households. According to the Associated Press, this information was then used to file fraudulent tax returns in order to attempt
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Celebrate Summer with a bistroMD Discount

Summer is just around the corner, so why not try a new diet program to get yourself on track for warmer weather? bistroMD is offering a limited-time discount on your first week of food — just $99, no matter what meal plan you choose. That’s a savings
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What to Do if You Lose Your Wallet

Many people count their wallet among their most prized possessions, and it’s no wonder — we store everything from our photo IDs and credit cards to loyalty cards and money in there. Nothing is quite as awful as realizing you’ve lost your wallet, especially if you’re not
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CareFirst Breach Exposes 1.1 Million Members: Are You at Risk?

CareFirst BlueCross BlueShield announced today that it was the target of a sophisticated cyberattack that exposed the information of 1.1 million current and former members. The attack was uncovered during a thorough examination of CareFirst’s IT department by security firm Mandiant. CareFirst hired Mandiant to conduct this
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How to Eat Healthy at the Office

No matter what kind of lifestyle you lead, we can all benefit from eating healthier. This can be difficult depending on what kind of job you have, especially if it involves sitting at a desk for eight hours or more a day. Office careers offer plenty of
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Why Your Netflix Account Needs a Stronger Password

It’s drilled into our heads time and time again to create strong, unique passwords for our online banking accounts, email accounts and any other account that involves financial and personal information. But how strong is your Netflix or Xbox Live password? It can be tempting to use
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Student Loan Forgiveness Letters: Are They a Scam?

Student loan debt is a hot topic in the U.S., and it doesn’t take much to understand why. Approximately 40 million Americans now owe over $1.2 trillion in student loan debt, a number that far outstrips credit card debt. If the high amount owed wasn’t alarming enough,
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Prepaid and Secured Cards: What’s the Difference?

If you have poor or limited credit, you might think it’s impossible for you to get a credit card. Fortunately, that’s not true. Prepaid cards and secured credit cards are two great options for people who might not qualify for a credit card. If you’re trying to
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Celebrate World Password Day By Changing Yours

Today is World Password Day, according to Intel Security, and that makes it a great day to change your passwords. Intel, which owns security software company McAfee, has partnered with other security companies as well as Microsoft to create a webpage with tips about password safety, an
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Donating to Nepal? Watch Out for Charity Scams

In the wake of disasters like the devastating 7.8-magnitude earthquake that hit Nepal in April, people generally want to do what they can to help. When you’re an ocean away from the people in trouble, your best option is usually to make a donation to a charity
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Texas and Other States Crack Down on Predatory Payday Lenders: What This Means for You

It’s no secret that the payday loan industry is rife with predatory payday lenders. Even lenders that aren’t inherently predatory still often use practices which leave borrowers stuck in a seemingly endless cycle of debt. This is a big deal, considering more than 12 million people in
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What Information is Stored After I Cancel My Identity Theft Protection Plan?

Taking advantage of the peace of mind offered by an identity theft protection plan is great for individuals and families everywhere, especially with the recent increase in data breaches over the past couple of years. However, not all services are going to be compatible with your needs,
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Wedding Season Has Arrived: Where to Get Deals on Invitations and More

The warmer months are almost here, and all across the country wedding bells will soon be heard. According to wedding site The Knot, June is one of the most popular months for weddings — followed by September and October. Whether you’re an autumn bride who wants to
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Sally Beauty Supply Announces Second Credit Card Breach

Although it would be nice to hope that once a company has suffered a security breach it won’t happen again, that’s sadly not a reality. Sally Beauty Holdings Inc. is learning this lesson right now, as for the second time in the past year it has reported
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Your Email Isn’t Unhackable: How to Keep Your Inbox From Compromising Your Identity

Unfortunately, nobody’s email is 100% hack-proof. Even the president of the United States isn’t immune, as President Obama discovered when Russian hackers infiltrated the White House’s unclassified computer system last year. Although no classified networks or information was compromised, the hackers were able to access and read
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Tell Mom You Love Her with Mother’s Day Cards and Gifts

Showing Mom you care is important all year round, but there’s one special day when people across the country celebrate the mothers in their lives: Mother’s Day. When it comes to choosing how you show your love, custom photo cards offer a fantastic way to make a
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Cyberthreat-Sharing Bill Passed By House: What Does It Mean for You?

A bill was passed in the U.S. House of Representatives on Wednesday which aims to enhance cybersecurity by encouraging companies to share details of computer breaches with the federal government. This bill, which is now moving on to the Senate, is part of an effort by the
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What are the Best 2015 Internet Security Programs?

Protecting your computer from viruses isn’t as simple as it used to be. Today’s Internet security programs come with more bells and whistles than most people know what to do with. Many offer protection not just for your PC or Mac, but also for your smartphones and
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Spring Cleaning Tips to Help Protect Your Identity

Spring is finally upon us, which means it’s time for spring cleaning. While this phrase might make you think of clearing out the gutters or finally tackling all those boxes stacked up in the garage, you can also use spring cleaning to get other areas of your
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How to Choose the Right Credit Repair Service for You

Credit is important — there’s no denying that. Your credit reports and scores can affect everything from whether or not you can take out a loan to getting approved for that apartment you want. As a result, poor credit can cause major problems for people and their
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Which Identity Theft Service is Best to Protect My Family?

When you have a family to protect, you want to know that you are doing the best you can to keep them safe at all times. In recent years, identity theft has become a growing problem not just for adults but also for children under the age
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AT&T Breach Exposes Thousands: What You Need to Know

Data breaches perpetrated by criminals from the outside are bad news, but AT&T is dealing with something equally insidious — an inside job. According to the Federal Communications Commission, employees at call centers operated by AT&T accessed the accounts of more than 280,000 customers and sold their
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What Happens When My Free Identity Theft Coverage Ends?

Major data breaches have become so commonplace that the average American citizen has probably collected at least one year or more of free identity theft protection coverage. Complimentary credit and identity monitoring service has become a standard consolation prize offered by companies to customers whose data has
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Which Mobile Security App Offers the Best Anti-Theft Protection?

We use our mobile devices just as much, if not more, than our computers these days. Smartphones and tablets are home to everything from photos and videos to personal information, which makes them feel less like objects we carry and more like a part of us. Not
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bistroMD Announces New Diabetic Diet Meal Plan

Eating healthy is difficult for many of us, but it can be especially tough — and even more important — for those with diabetes. While some people are able to cook and plan meals on their own, others can benefit from having properly portioned food ready to
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Don’t Get Fooled! 3 Email Scams to Avoid

April Fool’s is upon us, and while playing pranks on friends and strangers is a great way to celebrate spring, there’s nothing funny about falling victim to a scam. We use our email accounts for just about everything, which unfortunately makes them easy targets for all sorts
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Protection on the Go: Top 3 Mobile Security Apps

These days, nearly everyone has a smartphone and many people also regularly use tablets and other mobile devices. More often than not, these devices are used to access the Internet. In fact, a 2014 Nielsen study determined U.S. adults spend an average of 34 hours per month
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Summer is Coming: Best Diet Program for Your Beach Body

Winter has been long and brutal for much of the U.S., but long summer days are closer than you think. It’s been more than three months since we made our New Year’s resolutions, and many people are probably slipping when it comes to their 2015 goals. As
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11 Million Exposed in Premera Blue Cross Breach: What It Means for You

As 2015 continues, it seems a new trend has arisen in the dangerous world of identity theft: attacks on health insurance companies. Premera Blue Cross announced Tuesday, March 17 that its networks had been breached, potentially exposing financial and medical records of millions of customers. This intrusion
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Gear Up for Graduation with These Photo Card Deals

Although students across the country are focusing on midterms and spring break, for many graduation is closer than ever. One of the key elements of throwing a successful graduation party for your student is making sure everyone get an invitation with enough time to RSVP. You can
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Connecting Online: Are Social Logins Safe?

If you use the Internet these days (and if you’re reading this, that’s a no-brainer), you have probably been invited to connect with at least one website using a social media login. These connections are often done through Google+, Twitter or Facebook, but can also be used
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Security Mistakes You Make Every Day

We all try to go about our days as smoothly as possible, but unfortunately, we live in a world where it seems like there are threats lurking around every corner. Even if you think you’re doing things by the book, you are probably making a number of
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The New Apple Watch: Is Your Data Safe?

Yesterday, to much fanfare, Apple made several big announcements — including that of a brand new Apple Watch. The watch, which will retail for anywhere from $349 for the Apple Sport model to as high as $17,000 for high-end, solid gold editions, can be pre-ordered starting on
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ATM Skimmers: What They Are and How to Detect Them

We talk a lot about protecting your identity online, but the offline world poses plenty of dangers as well — especially when it comes to keep your financial information safe. Although many people these days opt to use credit cards or even mobile payment apps to cover
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Fraudsters Use Breached Credit Cards on Apple Pay: What You Need to Know

A recent discovery of fraud perpetrated through the Apple Pay system has been causing the tech company trouble. The payment system has been hit with a wave of fraudulent transactions, mostly through Apple’s stores themselves, using credit card information stolen from recent data breaches. According to The
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Healthcare Industry is at High Risk for Cyber Attacks: How to Protect Yourself

Imagine finding out from your doctor that you need to undergo treatment for a serious condition, but when you submit a request to your insurance company, you are denied. The reason? There have already been too many claims in your name over the past year. After doing
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Can Ride-Sharing Services Like Uber Be Trusted?

Commuting to and from work or other places can be a hassle, especially when you live in a highly populated area like Silicon Valley with tons of other people on the road at all hours. Add in the cost of gas or the misery of trying to
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It’s National Consumer Protection Week: What Can You Learn?

National Consumer Protection Week is upon us. This event, which falls between March 1 and March 7, is a coordinated campaign between multiple government agencies, such as the Federal Trade Commission and state attorneys general offices, as well as businesses that promote consumer rights like the Better
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Why Choose a Personal Loan Over a Traditional Loan?

There comes a time in many people’s lives when they need more money than they have. Sometimes a credit card can be a quick solution, but there are situations when credit cards just won’t work and taking out a loan looks like the smartest option. All loans
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Lenovo Superfish Security Hole: What You Need to Know

We’re all aware of the security dangers posed to our computers and Internet browsers by hackers and scammers, but it’s usually safe to trust the companies making the products we use, right? Unfortunately for Chinese company Lenovo, one of the world’s largest PC manufacturer, that trust has
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Are Online Forms Safe? How to Know Who’s Getting Your Information

When it comes to filling out an online form to sign up for a service or even apply for a credit card, we usually don’t think twice before we start typing away. Although it’s comforting to assume that our information will be provided to a company that
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What’s the Best Way to Consolidate Debt?

Updated: March 14, 2016 We are a nation of people in debt, and it doesn’t seem to be getting any better. According to data released by the Federal Reserve this February, Americans’ revolving, non-mortgage credit increased in December 2014 to $3.3 trillion, while non-revolving credit (such as student
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Is Anthem AllClear ID Credit Monitoring and Identity Protection Enough?

A little over one week after announcing its data system had been breached, exposing the information of up to 80 million U.S. citizens, Anthem has followed up on its promise to provide free identity protection and credit monitoring to those affected. The health insurance giant has chosen
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Does Your Username Choice Affect Your Privacy?

When it comes to safety and protecting your privacy online, we put a heavy focus on creating strong and effective passwords. While this is certainly an important step to take, passwords are just one part of the constantly evolving puzzle that is Internet identity. For every password
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Anthem Breach: Identity Protection Tips You Need to Know

Identity theft protection is never something that should fall by the wayside, but in the aftermath of a huge data breach like the one currently unfolding for Anthem right now, the need to protect yourself comes into sharp focus. Whenever a major data breach is reported, many
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New Data Suggests Anthem Breach Began in April 2014

Following the announcement last week of a major attack on healthcare insurance provider Anthem, millions of Americans across the country are waiting for more information to come forth. Time is of the essence in the wake of a major attack like the Anthem breach, but all too
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Anthem Says Customers Should Beware of Email Scam

Adding to its headaches following the announcement of a massive cyber attack this past week, Anthem has issued a warning about an email scam that is targeting past and former customers. According to NBC News, the email is designed to look like it has been sent from
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Anthem Hack Exposes 80 Million Individuals: How to Protect Yourself

Health insurance provider Anthem announced late Wednesday, Feb. 4 that it had experienced a massive security breach which exposed the information of up to 80 million of its current and former customers, as well as employees. A letter sent to customers by email and posted on the
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Spread the Love with These Valentine’s Day Card Deals

Love is in the air … it must be February! If you haven’t decided how to show the special people in your life that you care, don’t worry. There is still plenty of time to create spectacular Valentine’s Day photo cards or other unique gifts and get
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Are You Required to Put Your Social Security Number on a Rental Application?

Finding a house or an apartment to rent is a stressful process, especially if you live in an overcrowded area. In big cities like New York City or San Francisco, open houses can wind up feeling more like you’re on a cutthroat competition game show than simply
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You are What You Eat: NextAdvisor.com Survey Reveals Americans’ Diet Food Habits

Successful dieting often comes down to the food that you have to eat. It’s important to not only eat food that you enjoy, but also find food that’s convenient to purchase and easy to prepare. Prepackaged diet foods are an option many people choose, and with so
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2014’s Worst Passwords: How to Keep Yours Secure

Each year, SplashData releases a list of the top 25 most common passwords people use, and each year it is sad and somewhat shocking to realize just how unprotected so many of us are. This year’s list was full of many repeats from years prior with “123456”
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Testing Jenny Craig in the Real World: How Does the Diet Do?

Updated: Dec. 1, 2015 Every year for the past five years, NextAdvisor.com has performed a blind taste test of our top-rated diet delivery services to determine which one has the best-tasting food. Jenny Craig took the No. 1 spot in our 2015 Diet Taste Test. Although taste
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Why Your Last Diet Failed and What to Do About It

If January is the month for starting a diet, February is all-too-often the month for giving up. Thousands pledge to eat healthy and lose weight as the clock ticks over from one year to the next on January 1st each year, but how many stick with it?
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Child Identity Theft: Should You be Concerned?

Updated: Dec. 30, 2016 Several hospitals in Pennsylvania made a recent decision regarding a time-long New Year’s tradition that turned some heads. Although it’s common for the first babies born on Jan. 1 to have their names published in local newspapers, hospitals in the Richmond, PA area
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2015 Diet Taste Test Results are in: Which Service is Best?

Like clockwork, the start to each new year brings a rush of people trying out one new diet or another in an attempt to make good on that resolution to get healthy. You might be looking for a different approach this year in the form of a
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Obama Announces Data Breach Protection Legislation: What Does This Mean to You?

During a speech made at the Federal Trade Commission in Washington on Monday, President Obama announced several privacy proposals to help Americans in the face of increased data breaches and identity theft. According to the Washington Times, the proposals he outlined will help protect the privacy of
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Is Twitter’s App Graph Feature Invading Your Privacy?

Social media sites are notorious for finding new and inventive ways to invade their users’ privacy in the name of improving the user experience. Taking a cue from the likes of Facebook, Twitter introduced a new feature at the end of November 2014 called “app graph.” Designed
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Getting Healthy in the New Year: What Are Americans’ Dieting Habits?

Each year, losing weight and getting healthy are at the top of the list of resolutions Americans make. It’s easy to say you want to make a change, but implementing that change can be difficult. Diet success is based around a number of factors, including exercise, nutrition
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Start Your New Year with Stationery Discounts

It’s a new year, and what better way to mark a fresh start than sending fun photo cards to your family and friends? Whether you’d like to send thank you notes to the people who made your holiday especially bright or want to order invites for your
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Chick-fil-A Reports Payment Card Breach: Will it Affect You?

Some of you might be eating less “chikin” in the new year after learning about an apparent payment card breach at fast food joint Chick-fil-A. This latest in the apparently endless run of retail and restaurant security breaches was reported earlier in the week by security blogger
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4 Reasons Why You Should Buy Identity Theft Protection

Responses to security breaches from retailers, restaurant chains and other companies have followed a similar script since Target was breached during Thanksgiving weekend in 2013. The company issues a statement, promises customers or employees that they will not be held responsible for fraudulent charges and offers those
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Staples Breach: 1.16 Million Payment Cards Exposed

The full extent of the Staples breach was revealed this past week, with the company posting a statement as well as a press release on its website. Although security blogger Brian Krebs reported that multiple financial institutions were complaining of payment card fraud that was connected to
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How to Protect Your Small Business from a Data Breach

It seems like the business world has been plagued with data breaches over the past year, and if the recent Sony Pictures hack is any indication, that’s not likely to change anytime soon. In the aftermath of these security breaches, businesses and customers alike look back at
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Sony Pictures Hack Keeps Growing: 47,000 Social Security Numbers Leaked

Things aren’t getting better for Sony Pictures following an unprecedented attack that began on Nov. 24 and keeps growing, as more stolen data is publicly released. According to the Wall Street Journal, a whopping 47,000 social security numbers were exposed in this attack, including those of a number of celebrities such as Rebel
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The Sony Breach and Medical Identity Theft: How They Relate to You

A massive hacking attack on Sony Entertainment got a lot worse for company employees when it was discovered that sensitive employee data was stolen. Last week, employees logged into their computers to discover an image of a skeleton with the message “Hacked by #GOP” (which stands for
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Holiday Photo Card Deals: Take Advantage Before It’s Too Late!

December has finally arrived, and the countdown is on to put all the final touches in place to ensure you have a very merry holiday. If you’ve been putting off your holiday photo card order, now is the time to get to it. In addition to special
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Are We Becoming Numb to Data Breaches?

When the news broke a little over a year ago about the massive Target data breach, it was all anyone could talk about. The timing couldn’t have been worse for the popular retailer — the breach itself occurred during the busiest weeks of the holiday shopping season
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Nicki Minaj’s Social Security Number Exposed: Can it Happen to You?

Celebrities are just as at risk to identity theft as the average person — something rapper Nicki Minaj is finding out after a photo that contained her social security number was published by a media outlet last month. The old booking photo had her social security number
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Holiday Donation Scams: How to Protect Yourself

‘Tis the season to be generous. With the holidays right around the corner, many of us are thinking about those who are less fortunate and wanting to give what we can to help them out. While the act of donating is a noble one, the sad truth
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Deck the Halls with Two Pear Tree Greetings Holiday Sales

Still haven’t ordered your holiday photo cards yet? Now’s your chance, because Pear Tree Greetings is having two great sales right now! The first is a sale on all products on the website, and it is tiered depending on how much you spend. You can get $15
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Are Your Rewards Card Loyalty Points in Danger?

We are a culture that loves bonuses, and anyone in the business of making money realizes that. Everything from credit card companies to airlines and grocery stores seem to have loyalty programs these days. While the details vary from company to company, the premise is the same:
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Personal Loans vs. Payday Loans: Which is the Best Option?

Sometimes, you just can’t help it — you need to borrow money, and you need it fast. Traditional loans through a bank take time and paperwork, and many have hoops to jump through that those with less-than-stellar credit might not be able to make. Fortunately, other options
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Home Depot Data Breach Just Got Worse: What This Means For You

Home improvement retailer Home Depot has been in the news a lot recently due to a massive payment card data breach, and it looks like things are only getting worse. The company announced Thursday that in addition to the 56 million credit and debit cards that were
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2014 Holiday Card Trends

The holiday season is upon us, which means it’s time to get your holiday photo cards ordered so they arrive on time! With so many beautiful and unique designs to choose from, you might be having a hard time making a decision. Want to ensure that your
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5 Reasons You Should Switch to VoIP

Even though most people have a cell phone these days, there remains a need for old-fashioned land line phone service. However, phone service through traditional telecom companies can be expensive, especially for those who need to make long-distance or international calls. Even when you purchase service as
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Don’t Let the Real Ghouls Steal Your Identity this Halloween

Vampires, ghosts and goblins are the stuff of nightmares, but the real frights aren’t the things that go bump in the night. Among the most terrifying things in life are identity thieves, who are poised and ready to steal your information and wreak havoc on your finances.
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Pay Off Debt: Is a Balance Transfer or Personal Loan Better?

Updated: Sept. 19, 2017 Having a lot of debt can start to take its toll, and you might begin to wonder if there are better ways to manage it. The amount of debt you have and whether it is all from a single source or spread out
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FBI Says More Than 500 Million Financial Records Stolen This Year: How to Protect Yourself

“You’re going to be hacked. Have a plan,” Joseph Demarest, assistant director of the FBI’s Cyber Division, warned a group of business leaders at a cybersecurity event on Monday. This event, organized by the Financial Services Roundtable, sought to help business owners understand the magnitude of the
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Staples Announces Possible Credit Card Breach

Office supply retail chain Staples announced on Monday that it is investigating a breach in its payment systems. Staples joins Kmart, Home Depot, Dairy Queen and a number of other retailers who have suffered from data breaches over the past few months. The constant stream of new
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Nearly 400 Dairy Queen Stores Breached: Here’s All You Need to Know

After announcing that it had suffered a data breach in September, Dairy Queen has released a statement with details on how many stores were affected. In total, 395 Dairy Queen stores and one Orange Julius store had their payment systems compromised by the infamous “Backoff” malware. This
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Kmart Announces Payment System Breach

Adding itself to an ever-growing list of retailers with egg on their faces, Sears Holding Corp. announced on Friday, October 10th, that the payment systems in its Kmart retail stores were breached by malware. According to the Wall Street Journal, this breach was discovered Thursday, October 9th,
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200,000 Snapchat Photos Leaked: How to Protect Your Teen and Yourself

Celebrities aren’t the only ones who face the concern of having their private photos leaked, it would seem. About 200,000 photos stolen from users of the popular social network app Snapchat were leaked online this week, according to the New York Times. This photo leak was discovered
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Fidelity Attacked by JPMorgan Chase Hackers: What You Need to Know

Investigators with the FBI and the U.S. Secret Service believe that Fidelity Investments was the victim of a cyber attack perpetrated by the same people who hacked JPMorgan Chase. According to the Wall Street Journal, an investigation has revealed that 13 financial firms in the U.S. were
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JPMorgan Chase Breach Exposes 76 Million Household Accounts

JPMorgan Chase made a regulatory filing with the Securities and Exchange Commission Thursday which disclosed a major security breach that occurred over the summer. This breach, which was originally thought to affect only one million customers, has actually compromised the personal information of over 76 million household
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Shellshock Bug: What You Need to Know

You may have heard about the Shellshock bug, the latest Internet security issue to make waves on news and tech sites throughout the web. Security experts are saying it has the potential to be bigger than the Heartbleed security flaw. What you might not understand is what the bug
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October Special: Get $40 Off Trend Micro Premium Internet Security

October is a month for spooks and scares, but Trend Micro is offering customers a deal that is definitely more treat than trick. For the duration of the month, you can get its Premium Internet security software suite for just $59.95 — a whopping $40 discount from the regular
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Holiday Shopping and Data Breaches: How to Keep Your Identity Safe

Updated: May 3, 2016 Heading into the holiday shopping season, you are probably worried about the safety of your personal data as you pick up gifts and the other essentials this time of year. Who can blame you for worrying? Last November during the height of Black
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How to Avoid the Payday Loan Debt Cycle

Emergencies happen whether we plan for them or not — that’s why they’re called emergencies. When your car breaks down or an illness lands you in the doctor’s office, your financial situation can go from precarious to dire in an instant. This is especially true for low-income
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Jimmy John’s and Signature Systems Inc. Breach Confirmed

Sandwich lovers across the country, take heed: popular chain Jimmy John’s has just confirmed it suffered a data breach over the summer. After an investigation, which began on July 30, 2014, the company announced on September 24th that more than 200 of its 2,000 stores nationwide were
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Social Media and Your Reputation: What You Need to Know

Did you do anything fun this weekend? Maybe you had a little too much fun at the after-work happy hour on Friday, and now the whole office knows because someone tagged you in a Facebook photo. Everyone likes to cut loose on the weekend, but what you
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Apple Pay: How Safe is Apple’s New Mobile Payment System?

Apple is a company known for creating buzz and innovation. Last Tuesday during its launch of the new iPhone 6, the company’s CEO Tim Cook announced several other new developments — including a mobile payment system called Apple Pay. Standard on its new mobile devices, this payment technology
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Home Depot Offers Free AllClear ID Membership – How Does It Stack Up Against the Competition?

As data breaches have become a sad reality for numerous retailers and other service providers across the country, many have scrambled to rebuild their customers’ lost trust. One way companies like Target, Community Health Services and — most recently — Home Depot have done this is to offer customers
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Social Media Scams: 5 Tips for Staying Safe While You Share

You see the warnings all the time. Beware of the Facebook color scam going around! Don’t click links from fishy-looking emails asking you to log into your Twitter account! Social media is impossible to escape, but with its proliferation comes a slew of new dangers and safety
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Home Depot Breach Confirmed: What You Need to Know

Home improvement chain Home Depot has confirmed today that it has suffered a security breach with the payment data systems in its retail stores. This breach started in April 2014 and lasted up until August. Customers who paid with a credit or debit card in stores in
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HealthCare.gov Breached – No Personal Data Stolen

Editor’s note: This blog post was updated 09/05/14. Another day, another security breach. Officials at the Department of Health and Human Services have announced that a hacker breached the security of the HealthCare.gov website in July. Fortunately, no personal data was taken during this breach. That news
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How Home Depot’s Credit Card Breach Impacts You

Trouble is brewing for Home Depot, America’s largest home improvement retail chain. Several financial institutions, as well as cybersecurity blogger Brian Krebs, have uncovered evidence that a major data breach may have occurred within the chain as early as April 2014. Credit card data that matches up
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Dairy Queen Breach: How To Protect Yourself

Potentially bad news on the horizon, ice cream lovers: Dairy Queen may be the latest retailer with a data breach problem. Last week, the company announced that customer data at a limited number of stores may be at risk. Dairy Queen was contacted by the Secret Service
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Allergic to Gluten? bistroMD Has the Diet Plan for You

One of the most common questions we get on our forums about diet delivery services is whether or not they can accommodate people with a gluten allergy. A recent study performed by the Mayo Clinic discovered that 2 million Americans — nearly 1% of the U.S. population— today have
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5 Ways to Protect Yourself From Payday Loan Scams

Need cash fast? You aren’t alone. Many people find themselves in a bind with payday looming far ahead. Payday loan services offer the cash you need right away. However, it is important not to let the allure of fast money get in the way of your common sense. Many
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Will Checking My Personal Loan Rate Hurt My Credit?

Q: I received a letter in the mail telling me I might qualify for a personal loan. Will it hurt my credit to request a quote to see what my personal loan rate will be? Personal loan services will sometimes send letters or fliers in the mail
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UPS Security Breach Affects 51 Stores in 24 States

United Parcel Service (UPS) customers might want to check their bank statements after the shipment and logistics company announced that 51 of its U.S. stores located throughout 24 states were breached by malware. UPS said the computer virus was not identified by current antivirus software. UPS customers who used
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Watch Out for the Facebook Color Scam

Wouldn’t it be cool if your Facebook profile had a pretty purple background or the top bar could be changed to some color other than the basic blue? For almost as long as it has existed, users have lamented the lack of customization features such as this
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VoIP Fax: What You Need to Know

Q: If I switch to VoIP, will I still be able to use my fax machine? One of the most popular questions we receive about VoIP for home is whether you can still use your fax machine. Traditionally, VoIP services have not worked well with fax machines. The
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Personal Loans Showdown: Lending Club vs Prosper

If you’re looking into a personal loan, you might have noticed that two lending companies share many similarities. Lending Club and Prosper are both peer-to-peer lending services. Both are different from other personal loan services because the borrower usually receives money from multiple lenders rather than a
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LendUp Expands Its Payday Loans Service to Texas

Good news, Texans! You can now take out short-term loans from LendUp. Since 2008, this service has been growing its business steadily across the U.S. Much of the fuss about LendUp is due to its unique approach to payday lending. This payday loan service seeks to help
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Test Results: Which Security Suite Is Best in 2014?

It’s getting to the point in the year when Internet security software companies start releasing new versions of their software for 2015. One of the ways consumers can measure the effectiveness of a security suite before buying is to look at independent testing results. Here at NextAdvisor,
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Can I Use My Calling Card with VoIP?

NOTE: As of July 2015 BasicTalk home VoIP service is no longer available through NextAdvisor. Q: I have an international calling card which functions by letting me call an 800 number to place long-distance calls. Can I use my calling card with VoIP service? This is a
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Eat Smart This Summer with a Bistro MD Discount

Looking to drop a few pounds or simply manage your weight this summer? You aren’t the only one, and top-rated diet delivery service Bistro MD is offering a great deal to get you started. For a limited time, when you sign up with this online diet program through NextAdvisor,
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What Is a Peer-to-Peer Lending Service?

If you’ve spent any time researching personal loan services, you’ve probably noticed that some of them operate as peer-to-peer lending services. While traditional lending services let you borrow money from a bank or other financial institution, peer-to-peer lenders are a horse of a different color. Here’s what
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How Are BistroMD’s Men’s and Women’s Plans Different?

If you are looking for a delicious and nutritious diet program, BistroMD is a great choice. Not only did it rank #1 in our in-house 2014 Diet Taste Test this year, but the program was designed by an actual MD, a bariatric physician named Dr. Cederquist who specializes
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Which Is The Best Low-Sodium Diet Program?

Q: I am very salt sensitive and need a low-sodium diet plan. Do any of the diet programs offer meal options for those who need a low-sodium option? Most of the online diet programs we review adhere to the U.S. dietary guidelines when it comes to salt
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Which Is the Cheapest VoIP Service?

NOTE: As of July 2015 BasicTalk home VoIP service is no longer available through NextAdvisor. Making the switch from a traditional phone company to VoIP may be one of the best things you’ll ever do for your wallet. VoIP, which stands for Voice over Internet Protocol, is
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What Is eHarmony Matchmaking Service eH+?

Tired of doing all the hard work when it comes to online dating? eHarmony has recently unveiled a premium matchmaking service called eH+ to complement its long-standing online dating service. Members of eH+ will work one-on-one with a professional matchmaker who will act as a dating coach,
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Norton Dropping its Zone Cloud Storage

If you are a user of Symantec’s Norton Internet Security Software and have been storing files with its Zone Cloud Storage feature, it’s time to find a new place to keep your virtual files. Symantec announced this week that it plans to scrap this feature within the
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How Do I Apply for a Kaplan University Online Program?

Q: I want to apply to Kaplan’s Master of Science in Nursing program. What steps do I need to take? A: Good question! Applying to an online college program is a fairly simple process, daunting as it might seem. You can start by requesting more information through any
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eHarmony Free Communication Memorial Day Weekend

Summer is right around the corner, and that means barbecues, baseball games and beach trips. Feeling bummed because you don’t have a special someone to toast marshmallows with? Maybe it’s time to look for love online! Take advantage of the upcoming long weekend and log onto eHarmony,
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The Credit People Unveils New Pricing Structure

Sometimes, it’s better to sail with the current than against it, and this is especially true when it comes to running a business. After years of standing out from the competition with a flat-rate fee, long-time credit repair service The Credit People has recently decided to remodel
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New App Could Improve Dating Site Photo Verification

Half the battle when it comes to online dating is deciding which pictures to put up for prospective dates to judge you by. But just because you are being honest when uploading photos doesn’t mean everyone else is. A rising trend in the world of online dating
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Celebrate Cinco de Mayo with a HostGator Discount

Looking for a way to celebrate Cinco de Mayo? Take advantage of today’s one-day-only HostGator discount and start building your dream website. For the entire day until 11:59 p.m. C.T., this popular web host will be offering a special discount of 45% off — 20% more than the
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Microsoft Releases Patch For Internet Explorer Bug

Over the last weekend, Microsoft announced that a security flaw had been discovered in its Internet Explorer web browser by cybersecurity company FireEye. Known as the Memory Corruption Vulnerability, hackers used this Internet Explorer bug to gain control of a user’s computer and accounts by tricking them into
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Can I Use A USB Modem With VoIP Service?

Q: I have Internet access through my mobile phone provider and use a USB modem to connect. Can I use this USB modem with VoIP service? A: Great question! Wireless hotspots, often operated with USB modems, have increased in popularity. These devices allow users to connect to
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How to Move Your Website from One Host to Another

Q: I have a website already and want to move it to a new web host. How can I do this? Which host offers assistance in moving the sites currently hosted on another server to its server? Good question. When you change web hosts, the idea of
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Can I Take My VoIP Adapter Abroad?

NOTE: As of July 2015, BasicTalk home VoIP service is no longer available through NextAdvisor. Q: I am going to be traveling for several months out of the country. Can I take my VoIP adapter abroad with me? A: This is a great question! One of the
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Android Security App Scam: How to Protect Yourself

Mobile security is more necessary than ever, but it’s important to be sure you are getting what you pay for when you purchase and download an app onto your phone. This lesson has been learned big time by more than 10,000 Android users who recently purchased an
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Which Is the Best Auto Insurance If I Need an SR-22?

Q: What’s the best car insurance to go with if you need an SR-22? A: Great question! An SR-22 is a document filed through your auto insurance company that shows proof of financial responsibility after a license suspension. Usually, an SR-22 is required if you have been
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5 Tips to Avoid Online Dating Scams

Staying safe while playing the online dating game isn’t as easy as it used to be. While online dating has become a more acceptable way to meet new singles, the risks of being taken advantage of are higher than ever with tons of online dating scams popping
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Tax Deadline Looms: Are You Ready?

This is not an April Fool’s joke: today brings us to just a little over two weeks before taxes are due on April 15th. Are you ready? If you’re groaning because you’ve been putting it off or – worse – you’ve forgotten, don’t worry. You still have
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ZoneAlarm 2015 Security Software Released

ZoneAlarm has released its 2015 security software this week, several months ahead of the other top security software brands. We reviewed the newest version of this Internet security software and came away with pretty much the same impression from the 2014 version. This isn’t necessarily a negative –
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Can I Use My Own VoIP Adapter?

Q: Can I use my own adapter with a VoIP service or do I have to use what they provide? A: That’s a great question we see being asked frequently in the VoIP forums. Generally, VoIP providers encourage customers to use the adapter they provide. In most
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Which Online College Has the Best Military Benefits?

Whether you’re going back to school as a veteran or would like to get your degree while serving in the military, it’s good to look at all of your options to make sure you get the most out of your education. Military online college is a great
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IRS Warns of Phone Scam Targeting Taxpayers

As if tax season wasn’t enough of a hassle, the IRS is warning taxpayers about a sophisticated phone scam being conducted right now. This scam has already taken a combined $1 million from more than 20,000 people in almost every state across the country. According to J.
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Which Is the Best Site for Advanced Web Hosting Users?

If you know your way around the web and want to work beyond the sometimes stifling boundaries provided by web hosts and site builders that cater to newbies, you might be wondering which hosting sites will provide the best value for your money? We took a look
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Introducing TaxACT Donation Assistant Mobile App

One of the hardest things about filing your taxes is staying organized and on top of things throughout the year. If you’re one of those people who just can’t keep papers straight and might be more apt to toss a receipt into the trash rather than stick
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Which Site Has the Best Online Dating App?

It used to be that finding dates meant making eyes at a cutie at the other end of the bar at happy hour or letting Aunt Myrna set you up with that handsome young man from her grocery store, but today things are a little different. People
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How Does PCMatic Compare to Norton?

Q: Have you tested PCMatic? If so, how does it compare to Norton? A: You might be familiar with PCMatic, owned and operated by PC Pitstop, from its infomercial-style commercials that feature someone lamenting their computer woes in exaggerated fashion then being instructed by another person to
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Web Hosting: Why Is Domain Privacy Important?

If you’ve read through any of our web hosting reviews here on NextAdvisor, you’ve probably seen us recommend paying for domain privacy when you register your domain. Before you can make a decision on whether to spring for this service, it’s important to understand what domain privacy
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Lexington Law vs. Sky Blue: Which Credit Repair Is Better?

Updated: March 20, 2014  Navigating the world of credit repair can be tricky, and for every legitimate credit repair service out there you’re apt to run into several bad apples. But don’t let those spoil the bunch — there are great resources out there to help you get
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Senior Online Dating Picks Up Speed

Online dating is a trend that won’t be going away anytime soon, and it’s not just the young among us who are getting on board. Dating websites have become very popular among the over 60 crowd, with senior online dating seeing the most growth on sites like
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Free McAfee Mobile Security Software for iOS and Android

Between retailer breaches and the current Apple software flaw fiasco, security is a major issue right now for consumers and corporations alike. Hopefully you’ve been taking precautions to protect your computers with Internet security software, but have you taken the same efforts to keep your mobile devices
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$29 Bitdefender Discount Celebrates Leap Year

2014 is not a leap year, but that’s not stopping Bitdefender from using the once-every-four-years event to promote its software. The Internet security company is offering a special discount on all of its 2014 security software products of just $29 in a tongue-in-cheek offer that recognizes February
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Tax Tips: How to Avoid an Audit

Auditing: We all dread it, but how can you avoid an audit on your taxes? Well, the truth is, you can’t — at least not totally. Every year, thousands of tax returns are audited, some at random and others due to issues with the information within. The IRS
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Don’t Miss Out: TurboTax State Discount Ends 2/17

If you haven’t already sat down to file your tax return this weekend is the perfect opportunity — especially considering it’s your last opportunity to get a 50% discount from TurboTax on state returns when you file a simple 1040EZ return. Normally, the cost to file for
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Communicate Free on eHarmony Valentine’s Weekend

If you don’t have a date for tomorrow by now, it’s probably not going to happen. But don’t fret because cupid’s arrow still has a chance to hit its target. Starting today, February 13, and lasting through Monday, February 17, singles from across the country can communicate
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Six Reasons to File Your Taxes Early

Updated: February 24, 2014 Have you started filing your taxes yet? It’s easy to put off something as headache-inducing as your tax return as long as possible, but there are a number of advantages to filing early. Tax season 2014 has only been open for a little
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Spice Up Your Dating Profile This Valentine’s Day

The internationally recognized commercial day of love is upon us once more. With online dating becoming the norm, those who are still single may be turning their attention to big-name dating sites like Match.com and eHarmony to look for someone special to cozy up to on February 14.
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Dedicated vs. Shared Hosting: What’s the difference?

If you’re just getting started on putting together a website for your business, you probably have a lot of questions. Web hosting can get complicated and involves a slew of potentially unfamiliar terms and concepts that are intimidating even to those with some web savvy. One of
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Battle of the Taxes: H&R Block vs. TurboTax

The time has arrived! Tax Season 2014 officially opens today. By now you should be receiving your W-2s and other pertinent forms. If you’re not one for procrastinating, then you are probably gathering everything together to sit down and complete your return. Even if you are a
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Microsoft to Stop Windows XP Support

Are you among the estimated 30% of users that still run Microsoft’s XP operating system on your PC? If so, then you should know that after April 8, 2014, Microsoft will be ending Windows XP support. Released in 2001, the aging operating system has retained popularity over
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What Are the Differences Between Ovation’s Essentials and Essentials Plus Programs?

Q: You mention in your review that the Ovation Essentials Plus package mails unlimited letters of dispute. How many do I get if I sign up for the basic package? Do they send out letters to creditors as well? A: Great question! Ovation Credit Repair currently offers
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TurboTax Discount Offered for State Filing

Whether you’ve already got the jump on your tax preparation or are just getting started, the official opening day of tax season 2014 is drawing closer. While filing season officially opens January 31, most online tax services are already accepting returns so it’s time to strike while
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GoDaddy, Microsoft to Offer Office 365 to Small Businesses

Web hosting company GoDaddy and Microsoft announced on Sunday that they will be partnering to bring tools from the Office 365 program to more small businesses. Office 365 is Microsoft’s new subscription model for its longstanding Office software that uses cloud storage to keep users’ apps and
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2014 Tax Law Changes You Should Know About

You’re probably aware that any major life events that have occurred in the past year – such as marriage or a new job – could affect your tax return. But what about the 2014 tax law changes made by the IRS that affect taxpayers overall? Each year,
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Intel Announces Rebranding of McAfee to Intel Security

Big changes are ahead for McAfee Security. Intel, which acquired the Internet security software company in 2010 for $7.7 billion, has announced that they will be dropping the McAfee name and rebranding to Intel Security over the course of the next year. The iconic red shield logo,
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Mobile Malware: Which Internet Security Software Can Protect Your Phone Best?

You’ve probably installed some form of Internet Security Software to protect your PC or Mac from viruses and malware, but what about your phone? According to a May 2013 study conducted by the Pew Research Center, more than half of American adults — 56% — own a
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2014 Tax Season Opens January 31

Ready or not, here comes the 2014 tax season! With half the country mired in snow and other crazy winter weather, now is a good time to turn your attention to your tax preparation and get things ready so you’re good to go when it’s time to
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Social Media Security and Your Internet Security Software

Protecting yourself from threats and identity theft while online is more important than ever these days. While most of us are aware of the need to use caution when visiting online banking websites, surfing the web or shopping online, it might not be so obvious that social
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3 Year-End Tax Tips to Help You Save

Amidst the hustle and bustle of the holidays, the last thing any of us want to think about is tax preparation — but once the ball has dropped and the tree has been undecorated and tossed out onto the curb, the countdown to Tax Season 2014 begins. Yes,
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How Can I Spot A Legitimate Credit Repair Service?

With recent headlines buzzing about the unfolding Target security breach, that has compromised millions of customers’ debit card data, many of us are taking an extra hard look at our financial information to watch for malicious activity. If you’ve fallen victim to a credit card scam or
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Netflix Fireplace For Your Home

Few things bring about the holiday spirit like an evening spent sitting cozily by a roaring fire with your family and friends, drinking seasonal beverages and talking about holidays past. Unfortunately for those of us without a fireplace, the roaring fire isn’t an option. Thankfully, Netflix has
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eHarmony Free Communication Week

Feeling a bit blue because you don’t have a special someone to spend the holidays with? If your resolutions for 2014 include finding love, don’t wait until the new year to get started. This week, eHarmony is hosting a free communication event that starts Thursday, December 26
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How Much Does eHarmony Cost?

‘Tis the holiday season, and for those who don’t have a special someone in their life this can be a lonely time of year – especially if your relatives are the nosy type at family gatherings. If you’re tired of dodging questions about your relationship status and
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Holiday Donations: What Can I Claim as a Tax Write Off?

The holiday season is upon us. It’s time to put up cheerful decorations, eat way too much turkey and pumpkin pie and join the mad dash to finish the last of your shopping. But it’s also a time of year when many of us take time to
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Norton vs. Kaspersky 2014: Which Is Better?

Pitting Norton vs. Kaspersky 2014 is a true battle of the best when it comes to Internet security software. Both have stepped up to the plate this year with slick, Windows 8-ready interfaces, top-notch security offerings and enough fancy features to make your head spin. To help
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How Long Does It Take to Remove Credit Report Errors?

Q: How long does it take for a credit repair service to clean up errors or disputed items on my credit report? Great question. The simple answer to this question is that it varies. First, it is important to understand what credit repair companies can do for
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Credit Repair: Do I Have to Order My Credit Report Myself?

Q: Can a credit repair service obtain my credit report instead of me obtaining it then sending it to them? Good question! The first and most important step toward credit repair is obtaining your official credit report. This can be done through one or all three credit
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Norton vs. Bitdefender 2014: Which Is Better?

With the recent release of the 2014 versions of these two Internet security software giants, you’re probably wondering whether Norton Internet Security 2014 or BitDefender Internet Security is the smartest purchase. While both are definitely top performers, there are some key differences that are worth noting before
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What Is the Best Web Host for eCommerce?

Building a website can be a daunting task, but with so many great web hosts out there it’s easy to find a great place to host your personal or business website. But if you’re looking to do something specific, such as sell your famous homemade jams and
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Can Credit Repair Erase Delinquencies from a Credit Report?

Q: If I have a delinquency on my credit report, will a credit repair service get that removed even though it is not an error? And how long will it take to erase delinquencies from my report? Good question! When it comes to credit repair, the first
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Study: Online Dating is Heating Up

Thinking about taking the plunge and joining the online dating game? You’re not alone! A new study released by the Pew Research Center reports that 11% – or 1 in 10 – of American adults have looked to the Internet for love. Moreover, 38% of single American
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eHarmony Free Communication Weekend

As the weather grows colder and the holidays draw near, you might be feeling ready to meet the perfect person to share hot cocoa and family dinners with. If you’re looking for love, you’re in luck! This weekend, eHarmony is hosting a free communication event from today,
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Online Shopping: Which Internet Security Software Offers the Best Protection?

Whether it’s feeding your shoe addiction or buying a season pass to catch up on “Breaking Bad,” shopping online has become a habit for many people. With the holiday season fast approaching, doing the bulk of your gift buying online to escape the madness of the mall
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What Is the Best Credit Repair Service for a Couple?

If you and your partner are looking to repair your credit together, there are a number of credit repair services that offer discounts to couples using their services. Factors to keep in mind when deciding on the best choice for you and your partner include price discount,
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