NextAdvisor Blog - Michael Osakwe

Michael Osakwe is a NextAdvisor.com writer covering technology and a multitude of personal finance topics. His research has been featured in interviews with publications like Forbes, U.S. News & World Report, The International Business Times, and several others, He is a graduate of the University of California, Berkeley with a BA in Political Economy and a minor in Public Policy. You can follow him on Twitter @Michael_Advsr.

Posts by Michael Osakwe:

What Should You Look for When Reading Terms and Conditions?

With the European Union’s General Data Protection Regulation (GDPR) requiring many companies to be more transparent about their terms and conditions and data use, the past two months brought a deluge of announcements regarding changes to the policies of many popular services. While these changes present a
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Facebook is Partnering with Banks: Here’s What We Know

On the morning of Aug. 6, the Wall Street Journal published an eye-opening report detailing what seems to be an internal Facebook initiative to build relationships with banks. The article appeared to frame these proposed relationships as quid-pro-quo exchanges in which Facebook would receive banking information from
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What is Refinancing and Should You Consider It?

Loan refinancing is a financial option that’s become more popular over the past two decades as a result of growing consumer debt and low interest rates. While you might’ve heard the term before, you might be wondering how exactly refinancing works and what types of loans you
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What is Debt Settlement and How Does It Work?

Hardly anyone takes on debt with the intention of not paying it off. Unfortunately, though, life happens, and unexpected occurrences can make our financial plans go askew. Luckily, in today’s world, consumers have options that can help address the issues that an unpaid debt can pose. There
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How College Students Can Get Financially Ahead Before School Starts

Whether you or someone you know is returning to college or, about to enter their freshman year, now is a great time to get ahead financially before the start of the school year. Even though you or your college student likely want to soak up the last
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Best Credit Cards for New Parents

Updated: Aug. 7, 2018 Being a parent is considered by many to be one of the world’s greatest joys, but it’s also one of the most expensive commitments a person can make. In fact, the USDA estimated that the cost of raising a child born in 2015
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The Internet of Trash: What Current IoT Industry Practices Mean for Consumers

We’ve talked about the Internet of things (IoT) at length on this blog, usually from the perspective of consumer-oriented cybersecurity. From malware to shopping advice, we’ve covered all the ways IoT devices can be harmful to consumers. But while we’ve discussed this issue, we haven’t really gone
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Data Breach Roundup: Venmo Data Leaked, Voter Data Exposed and LabCorp Hacked

Last week, stories about three concerning data breaches broke. This time, we learned how payment app Venmo’s default public display of transaction data can expose its users, and that robocaller RoboCent leaked the data of voters in its database. We also learned that the medical giant LabCorp
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Data Breaches vs. Data Leaks: What’s the Difference?

Keeping up with the latest cybersecurity stories can be exhausting given the sheer number of hacks and leaks reported on a sometimes daily basis. This makes it easy and even acceptable to give into cybersecurity fatigue. However, despite this overwhelming state of affairs, the current cybersecurity environment
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Best Credit Cards for Summer and Beyond

Updated: Aug. 7, 2018 Summertime is here, which means you likely have plans to travel, host a get-together or attend events in your area. While you may be tempted to pay for these activities with a debit card or cash, believe it or not, credit is actually
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Data Breach Roundup: Macy’s, Timehop and Polar Fitness Reveal Consumers’ Data

Data breaches can’t escape the news these days, with the latest round of breaches illustrating that hackers are working around the clock to get our data. Recently, news broke about two hacks – one affecting the major retailer Macy’s and another affecting the app Timehop – as
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Data Breach Roundup: What to Know About the Recent Facebook and Exactis Data Leaks

Last week was a critical one with respect to data breaches. We learned about two extensive leaks involving data from Facebook and Exactis, two companies that not only maintain records of our personal information, but also manage data containing various private details about our lives. Keep reading
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Can You Monitor Your Public Records Information?

We’ve all heard the term “public records” before, and we’ve explained how they impact your credit reports, but do you actually know what constitutes public record information? The Freedom of Information Act, signed in 1967, helped to make the U.S. government more transparent. As a consequence of
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How Does Adding a Teen Driver Affect Your Auto Insurance Policy?

One day they’re playing with tiny toy cars, the next thing you know you’ve got a teen driver sitting behind the wheel of a real automobile. As a parent, it’s your job to facilitate this transition, and part of the way you can do this is by
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Planning Your Wedding? Watch Out for These Scams

Your wedding should be one of the happiest days of your life, and scammers know this. That’s why they’ll sometimes target unsuspecting soon-to-be-newlyweds, in hopes that exuberance will blind couples to deception, causing them to fall victim to their schemes. The consequences of falling victim to scams
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What to Do if You Default on a Credit Card

Going into default on a credit card, or defaulting in general for that matter, is no fun. For most, it can be an extremely stressful and confusing financial situation that can quickly worsen if you don’t know how to navigate it successfully. That’s why we’re going to
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The College Student’s Guide to Building Credit with Credit Cards

It’s summer, which means recent high school graduates are getting ready to embark on their upcoming college adventures. You may already have a packing list of the necessary items your student needs for college, but is a student credit card on there? Unfortunately, most college students aren’t
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MyHeritage Breach: 92 Million User Accounts Were Exposed

Yet another breach is hitting the headlines. This time MyHeritage, the DNA testing and genealogy service, had user credentials stolen from its website. The revelation comes on the heels of other shocking privacy-related news involving the DNA testing industry, but luckily in this case, aside from email
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Major Ticket Vendor Ticketfly Hacked: What You Need to Know

On May 31, news broke about a data breach affecting prominent indie-focused ticketing service Ticketfly. While the company hasn’t released an exact number of impacted users, security expert Troy Hunt found several database files on a public server containing over 26 million Tickeyfly users’ email addresses. The
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Planning to Move? Here’s How to Avoid the Common Moving Scams

Scams are an ever-present menace that have, unfortunately, become part of the backdrop of modern life. Although anyone can be scammed at any time, scammers love targeting individuals who are going through major life changes – be it an engagement, looking for new work or moving. Since
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Rise of the Script Kiddies: How Automated Tools and Bad Tech Make Hacking Easy

When people think of hackers, Hollywood-esque tropes usually come to mind. They probably imagine people in hoodies who type fast and know everything anyone could possibly know about computers and programming. The truth, though, is that as technology has improved, hacking has become democratized and accessible to
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FBI Warning: Foreign Malware VPNFilter Strikes Over 500,000 Routers

Editor’s Note: This post was updated on June 7, 2018 to detail additional threats the VPNFilter malware poses. On May 25, the FBI issued a warning regarding malware-infected routers. Dubbed VPNFilter, this malware is believed to have affected at least 500,000 devices and put them under control
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Why a Credit Card Needs to Be on Your Moving Checklist

Updated: July 31, 2018 The summer is here, which means moving season is upon us. According to the U.S. Census Bureau, 40 million Americans moved in 2017 and of those individuals, 65% of them moved between Memorial Day and Labor Day. Since it’s the hottest time of
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Is Your Device’s Geodata Revealing Your Physical Location?

The modern Internet runs on what is known as geodata, or location data. From you sharing your location with friends in a Facebook status to using a ride-hailing service to get picked up from your current location, the ways that we use geodata are endless and sometimes
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EU’s GDPR Privacy Rules Take Effect: How Will They Impact You?

This year has proven to be a defining one for the tech industry with incidents like Meltdown and Specter, the Cambridge Analytica scandal and consequent Facebook hearings dominating headlines. In a timely coincidence, the European Union, over the course of the past few years, has developed the
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Everything You Need to Know About Two-Factor Authentication (or 2FA)

When it comes to securing your accounts, aside from using services that have HTTPS and end-to-end encryption, it’s conventional wisdom to use two-factor authentication, also known by the acronyms 2FA or TFA. But what exactly is two-factor authentication, and how can you make sure you’re making the
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How to Avoid Oversharing on Social Media

This year’s tech headlines taught us just how brittle the state of online privacy can be. While we can’t control the policies of the websites that we use, we can control whether or not we use these services and how we use them if we choose to
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Life After Identity Theft: What to Do When the Epidemic Reaches You

It’s often said that death and taxes are the only things certain in life, but we should consider adding identity theft to that list. The issue of identity theft has been increasingly referred to as an epidemic as, year by year, the number of people impacted has
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Best Credit Cards for Entrepreneurs

Unlike large companies, small businesses and solo entrepreneurs usually don’t have access to stockpiles of money. Although small business loans and investors offer opportunities for them to get cash, those aren’t always the best solutions for every big or small purchase. That’s why some entrepreneurs and small
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Identity Theft 101: What Should You Know About Criminal Identity Theft?

Identity theft can be a very frustrating and upsetting experience. Whether an identity thief exploits your finances, your medical history or your online accounts, the experience will always feel like an abrasive personal violation. One form that can truly ruin your life is criminal identity theft, which
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Why You Should Give Your Accounts and Devices a Cybersecurity Tune-Up

Spring is officially here, which means it’s a good time to start decluttering. Whether it’s our homes, our finances or some other aspect of our lives, in most cases, we can benefit from the changes that come from our spring cleaning efforts. One area where many of
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Delta, Best Buy, Sears and Kmart: What to Know About These Data Breaches

About two weeks ago, Delta, Best Buy, Sears and Kmart all announced that they’d been impacted by data breaches. While the disclosure of multiple data breaches in a single week isn’t anything crazy, as it seems to happen all the time, the interesting part about these breaches
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4 Things We Learned from the Facebook Hearings

On the heels of global outrage regarding the Cambridge Analytical scandal, Mark Zuckerberg testified this week before Congress over the course of two days in two very long sessions. Given the scope of Facebook’s business, the sessions covered a wide range of topics, from manipulative ads and
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Are You Required to Pay Taxes on Cryptocurrency?

This year a number of first-time investors might find themselves in a unique tax situation, owing money on an asset that doesn’t yet have fully transparent tax treatment. While the cryptocurrency craze might seem like something limited to techies and hackers, that image is outdated. Many see
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The Facebook Scandal Evolves: Here’s What You Should Know

It’s been more than two weeks since our initial coverage of the Cambridge Analytica Facebook scandal, and a lot has happened since then. Fed-up users are seeking to delete their Facebook pages, Facebook discovered that nearly 90 million users were affected by the Cambridge Analytica scandal, Mark
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Is It Possible to Pay Your Taxes with a Credit Card?

The end of the tax season is creeping up, which means many taxpayers are likely considering what their tax liability looks like, assuming they haven’t already. If you’re one of the taxpayers who owes money to the IRS this year, it’s wise to evaluate all of your
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Panera Bread Data Leak Potentially Exposed Millions of Customers’ Data

This week started off with a monster of a story, as Panera Bread announced that a large number of customers who interacted with its online portal had their data leaked. What’s more concerning, though, is that the initial statements the company gave may be underreporting the number
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Identity Theft 101: How to Handle Financial Identity Theft

While your social security number is a key that opens many doors, some of the first doors identity thieves try to access with it are those leading to your credit and bank accounts. Though these types of fraud, typically blanketed under the term financial identity theft, are
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Should I Delete My Facebook Account?

The recent Cambridge Analytica news story is still unfolding, and since our article last week there have been new developments, including various statements from Mark Zuckerberg and now the FTC has opened an investigation. While Facebook has unveiled a plan of action to rectify the situation, it’s
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Cambridge Analytica, Facebook and Your Data: What You Need to Know

In a year already rife with stories about major cybersecurity exploits and breaches, a story that broke late last week continues the trend. On the evening of Friday, March 16, Facebook announced that it had suspended Cambridge Analytica, a data analytics firm that worked with the Trump
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Identity Theft 101: Cyber Identity Theft and Social Media Fraud

Social media isn’t just a way for us to connect with friends and family, but it’s also a way for us to connect with the world in general. That’s why acts of harm committed against us online – from trolling and harassment, to defamation and outright fraud
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Why It’s Important to Update Your Apps, Software and Devices

For consumers, patches and updates are probably one of the most annoying aspects of technology. They force you to unexpectedly stop whatever you’re doing and wait until your software is made up to date. In rare cases they might even crash your device, adding to your frustration.
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How Do Various Web Hosting Packages Differ?

While the benefits that a website can have for your business brand have been frequently touted, those making their first foray into the web hosting ecosystem might be confused by all of the options available to them. Navigating this level of complexity can be difficult, especially for
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Identity Theft 101: How to Handle Medical Identity Theft

Feb. 4, 2015, was a watershed moment for the medical industry. On that day, Anthem – one of the nation’s largest health insurers – disclosed that its servers experienced a massive data breach, impacting over 79 million current and former customers. While data breaches are commonplace, this
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Delta SkyMiles Credit Card Limited-Time Offers: Earn Up to 70,000 Bonus Miles

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’re in the market for a
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Chase ‘Glitch’ Allowed Customers to Access Each Other’s Accounts

On Wednesday evening, a number of Chase Bank customers experienced what the company has referred to as a “glitch” that allowed both mobile and desktop users to access other people’s accounts after providing their own login credentials. Although an official statement addressing Chase customers has yet to
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Cybersecurity 101: What is Encryption and How Does It Work?

Encryption is a term that’s thrown around a lot in the cybersecurity community as well as more mainstream arenas. Though it’s a technical concept, the particulars of which can be hard to understand for the layperson, it’s increasingly being touted to consumers as a necessity. What is
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Are FICO Scores the Same as Credit Scores?

The world of credit can be very confusing for the uninitiated. With all the different credit bureaus, credit reports, credit scores and everything in between, there are a lot of details for consumers to take into account when managing their credit. One thing that we’re often asked
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Should Your Business Use Email Hosting to Set Up Custom Email Addresses?

Establishing an identity online is probably one of the most important things small businesses need to do in the Digital Age. With the Internet being a sea of anonymity awash in @gmail, @yahoo and @iCloud email addresses, the first step to standing out can be as simple
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Rise of the Robocalls: Navigating the Tide of Telemarketers and Scammers

In today’s world, consumers are forced to wade through a sea of unwanted messages. Even though we have spam filters for our email accounts, invariably, some will always wind up in our inboxes. The same goes for phones, as many of us have probably received text messages
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What is Spoofing and How Can You Protect Yourself from It?

With phishing and identity theft remaining critical threats to personal and corporate cybersecurity, you might think that scams have grown more complex over the years. While it’s true that the resources available to scammers and fraudsters have improved and that the methods used to trick victims have
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Identity Theft 101: Employment and Benefits Identity Theft

Savvy consumers likely understand the severity of the most common kinds of identity theft, like credit account abuse and even tax identity theft. However, simply because these are the most discussed and recognized types of identity theft, doesn’t mean that other types aren’t just as severe. Employment
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Online Dating Red Flags to Look for at Every Stage

Dating is a delicate balancing act that requires you to manage your expectations in order to evaluate matches objectively. Being too picky, especially about the wrong details, can end up driving away Mr. or Mrs. Right. However, this doesn’t mean that love is entirely blind, as you’ll
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Cookies: The Secret to Online Tracking

In an era where consumer technologies generate massive amounts of data, it’s important to know the type of data you’re creating as well as how it’s collected and used. While we’ve talked about developments like the Internet of things and even Big Data to some extent, we
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How to Get the Most Out of Online Dating Sites

With Valentine’s Day right around the corner, some may be wondering how they can make the most of their dating experience to potentially land a date for cupid’s holiday. If you don’t already know, winter is peak season for online dating, which means it might be the
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Identity Theft 101: What is Tax Identity Theft?

We’ve talked about identity theft on this blog a great deal of times; however, since not all identity theft is the same, we’ve decided to start a series taking a detailed look at different types of identity theft and their effects. Considering this week is both the
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The 2018 Tax Season is Here: How Can You Prepare?

Jan. 29 marks the first day of the 2018 tax season, which means it’s time to start thinking about your tax return. Whether you’re a first-time filer or a tax-filing veteran, it’s important to know each year’s deadlines, keep up with the new aspects of each season
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Make the Most of Your Valentine’s Day Plans with These Credit Cards

Updated: Aug. 13, 2018 With February fast approaching, it’s time to start making plans for Valentine’s Day, and what better way to do it than to book a romantic getaway or make reservations at an awesome restaurant? While you may be tempted to reach for your debit
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Is It Possible to Get Free Credit Scores?

By now, most consumers likely understand the importance of regularly viewing copies of all three of their credit reports at least once a year. Some might also realize the importance of checking their credit reports in other circumstances, like after they get turned down for new credit
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Wi-Fi Alliance Announces New WPA3 Security Protocol: Here’s How It’ll Protect You

Last week at this year’s Consumer Electronics Show (CES), the Wi-Fi Alliance, which is responsible for creating the standards used in Wi-Fi-enabled technologies, announced the launch of the WPA3 security protocol. This long-awaited development means that consumers will begin to see the gradual phasing out of the
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How to Handle Mistaken Debt Collection Calls

Having debt placed into a collection account can be a pretty stressful ordeal, especially if the debt isn’t actually yours. While such a scenario might seem rare and unlikely, unfortunately, it can be more common than you’d think. Given that various types of credit reporting errors are
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A Small Business’ Guide to Phishing Scams

We’ve covered small business scams before, but there’s one scam that deserves more attention than any other. Experts have been talking about the growth of phishing for years, and with the popularity of phishing still rising among cybercriminals, it looks like it’s unfortunately here to stay. This
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3 Unexpected Things That Can Hurt Your Credit

Having good credit scores can prove to be difficult for many of us, but luckily, there are well-defined steps for building credit from scratch and maintaining good credit. Sometimes, however, the rules for managing credit can feel counterintuitive and downright weird. Although you can’t completely prepare for
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‘Meltdown’ and ‘Spectre’: What to Know About These Major Exploits

Just days into 2018, two critical cybersecurity exploits impacting numerous tablets, smartphones, computers and other devices were reported by security researchers. It’s been found that many of the CPUs (Central Processing Units) within most modern computer systems are vulnerable to at least one of these two flaws,
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Auto Insurance 101: What is an At-Fault Accident?

If you get into an auto accident, one of the most important things your insurance company will want to determine is which party is “at fault” for the accident. Given this, fault is perhaps the most critical aspect of auto insurance claims, and a concept with which
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Can Children Be Data Breach Victims?

This year had no shortage of data breaches, with the most severe one – the Equifax breach – still being fresh in everyone’s minds. With all of the breaches this year, a question parents might be asking is, “Can my children be affected by data breaches?” In
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Why Should You Create a Website?

Creating a website can be both exciting and rewarding, and nowadays with so many website creation options, doing so has never been easier. With the new year approaching, you might be interested in the prospect of starting a new business or personal project but not know where
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3 Date Ideas for Bringing in the New Year

The new year is here, which means we’re in the middle of peak dating season. Whether you’re looking for love or just looking to have some fun, it’s now the perfect time to make dating plans and start building a relationship. Continue reading for some fun date
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Can I Fall Victim to Identity Theft with a Fraud Alert or Credit Freeze in Place?

In the wake of the fallout surrounding the Equifax data breach and some faux pas by other credit bureaus, consumers have been forced to take up the role of being the sole guardians of their most sensitive information. Although it has always been important to monitor one’s
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Zombie Bank Accounts: The Scam You’ve Likely Never Heard About

When we think of identity theft, we tend to only think about credit-related identity theft, but the truth is that there are many more variations to be concerned about. This is especially true after the fallout of the Equifax breach and the scandals in the financial industry
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Charitable Giving and Your Taxes: What You Need to Know

With the holidays here, many Americans will be donating to charities. Believe it or not, charitable donations are an important part of the economy. In fact, last year alone, Americans gave $390.05 billion (2.1% of GDP), an increase from the previous year. Giving is expected to be
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Protecting Your Privacy: Anonymizing the Digital Details of Your Life

In today’s world, it seems like it’s gotten increasingly difficult for consumers to manage their privacy. With complex systems like the Internet of things (IoT) being designed to share exponential amounts of data, the collection of consumer data has become a profitable enterprise for both tech companies and
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Facebook Introduces Messenger Kids: Is It Safe for Your Child?

Last week, Facebook announced an initial preview of its newest app, Messenger Kids, a simplified version of its standard Messenger app geared specifically toward 6- to 12-year-olds. The announcement has been met with mixed reception, given Facebook’s track record with privacy and online safety. Additionally, some experts
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Privacy in the Era of Mass Data Collection: Who Has Your Information?

Consumers faced many cybersecurity-related setbacks this year, with a record number of data breaches being the highlight. Among all of these breaches, one stands out — the Equifax Breach — which will undoubtedly be analyzed for years and decades to come. Although there’s been a lot of attention on the Equifax
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What to Know About the Types of Credit Accounts

While nearly all consumers borrow money in some way, it’s likely that many might not know or understand the differences between the accounts they have open. Although you might think they don’t matter, knowing the differences between an open credit account and a revolving credit account could
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A Cybersecurity Guide to Purchasing IoT Devices This Holiday Season

We are now well into the holiday season, which means that many of you will be shopping for gifts if you already haven’t snagged Black Friday or Cyber Monday deals. With many of this year’s hottest items being consumer technology products like the iPhone X, smart watches
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What is Forced Arbitration and Why Does It Matter?

With Congress and the president having some of the lowest approval ratings of all time, you’ve probably heard a lot of complaints about recent actions undertaken by the current administration. While it can be hard to keep up with all of the news, perhaps one of the
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5 Ways to Avoid Falling for a Charity Scam This Holiday Season

With the holidays in full swing, it’s officially gift giving and charity season. While it’s commendable to want to donate to charities this year, especially given all of the disasters which have occurred this past year, the unfortunate reality is charity season can become scam season if
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Going on a Holiday Road Trip? Be Prepared for These Hazards

The holiday season might also be called travel season, at least considering past trends of the busiest travel days of the year. As such, there’s a chance that you and your family might be planning to take some sort of holiday road trip this season. Whether you’re driving a few
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FTC’s ‘Operation Game of Loans’ Aims to Tackle Student Loan Scams

“Winter is coming for debt-relief scams,” said the FTC last month when it announced an initiative called “Operation Game of Loans.” The initiative promises to crack down on student loan debt relief scams which, in tandem with student loan debt, has steadily been increasing in recent years.
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Attention Small Business Owners: Watch Out for These Scams

In today’s world, individuals and corporations aren’t the only ones who are at risk for cybersecurity threats. Scams targeting small businesses are a growing problem that can, unfortunately, strangle the life out of businesses that are still maturing. While these threats are something to be concerned about,
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What Did We Learn from the Equifax Breach?

Two months ago, Equifax reported what was one of the biggest data breaches in history. Impacting over 145 million consumers, a number comparable to nearly 45 percent of the U.S. population, the Equifax breach was a devastating blow for both consumers and the credit reporting industry at
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Can You Effectively Build Credit with a Credit Card?

Updated: July 19, 2018 The goal of building your credit, while commendable, can be difficult to achieve, especially if you’re someone who has bad credit or limited credit. This is in no small part due to the fact that credit, like many aspects of personal finance, can
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Can Unemployment Affect Your Credit?

Although unemployment is a normal occurrence that can happen to anyone at any time, it’s a situation no one wants to find themselves in. Unemployment can come with some obvious economic and financial hardships, but how does it impact long-term financial indicators like credit scores and credit
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International Internet Day: A Brief History of the Internet and Its Vulnerabilities

Oct. 29 marks the anniversary of one of the most important days in tech history, International Internet Day, or the day the Internet was born. It’s probably no understatement to say that the Internet is one of the greatest technologies ever invented. In fact, the Internet accounted
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Best Credit Cards for Holiday Travel

Updated: July 7, 2018 With the holidays almost here once again, it’s time to consider any plans you may have for the season. While making plans during this time of year can be expensive, especially if you intend to travel, it doesn’t have to be. By using
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HTTPS Encryption and Your Browser: What You Need to Know

How can you be sure the website you’re using is safe? This is likely something you’ve thought about before. If you don’t already know, modern browsers have several protection mechanisms in place to stop users from navigating to dangerous websites. One of the ways your browser protects
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Critical Wi-Fi Vulnerability ‘KRACK’ Discovered: Are You Safe Online?

This week, security researchers identified an obscure, but severe vulnerability in the WPA2 protocol, something that’s responsible for ensuring the security of nearly every modern Wi-Fi-enabled device. Since this vulnerability may impact essentially anyone connected to Wi-Fi, the moment the implications of this vulnerability became clear, news
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Scams to Look Out for After the Equifax Breach

It’s been a little over a month since news of the Equifax Breach first broke, and the incident is turning out to be the quite the gift to fraudsters. From gaffes made by Equifax and other credit bureaus to the fact that the data breach was more
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Uber’s Safe Rides Fee Class-Action Lawsuit: Is It Legitimate?

Around mid-September, a number of consumers received an email about a class-action lawsuit against Uber regarding its claims about its Safe Rides Fee. Since there are so many scams these days, we’re helping you determine if this email is legitimate, and if it is, how you can
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iPhone X is Coming: Can You Trust Face ID?

Last month, Apple drew excitement with its iPhone X announcement. The new phone, slated for a Nov. 3 release date, has captured the imagination and attention of Apple fans with some of its new features. Integral to the most novel features of the iPhone is a camera
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All Yahoo Accounts Were Exposed in 2013: Here’s What You Need to Know

Investigation into the 2013 Yahoo breach, a story we’ve been following since August of last year, has finally concluded and its findings are worse than anyone could have imagined – every Yahoo account that existed in August of 2013 was exposed. Although the company originally announced in
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National Cyber Security Awareness Month: Why Cybersecurity is Important

October is officially National Cyber Security Awareness Month, something that couldn’t be any timelier, given the recent Equifax breach. Sadly, though, this incident is just the tip of the iceberg as far as breaches go. This year, breaches have been more frequent and more severe than those
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4 Delta SkyMiles Credit Cards Add Limited-Time Offers Worth Up to 70,000 Bonus Miles

Editor’s Note: As of Nov. 8, 2017, these offers are expired. Visit our reviews of the best credit cards to find the right card for your needs. Love to fly with Delta Airlines? If so, you’re in luck, because four Delta SkyMiles credit cards — two consumer
[Read More]

Data Breaches on the Rise: How to Protect Yourself

With data breaches constantly in the news, many of us are likely already painfully aware of how common they are. In fact, anyone with suspicions about the increasing frequency of data breaches can now be assured that it’s not just their imagination. That’s because in late July, the
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Experian PIN Verification Tool Poses Security Risk: What You Need to Know

On Sept. 21, news broke that a tool Experian, one of the three major credit bureaus, has on its site to retrieve the PIN needed to remove credit freezes had a major security flaw. While such a tool can be helpful, the problem is that accessing the
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FTC Initializes Refund Process for Tech Support Scam Victims

Scammers are relentless and will stop at nothing to trick victims out of their hard-earned money, and the unfortunate reality is they often get away with it. That’s why those rare instances when scammers are required to face a judge can be cathartic, especially for scam victims.
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Everything You Need to Know About Password Managers

We’ve spoken before about password managers and how useful they can be when it comes to keeping track of your many logins. With hackers and data breaches showing no signs of stopping any time soon, you might be curious about how they stack up as a cybersecurity
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Are There Different Type of Auto Coverage?

Purchasing auto insurance can be confusing, as there are many different types of auto coverage as well as different insurance requirements across states. At first glance, it can be hard to know exactly what you need, especially without some familiarity with the auto insurance market. That’s why
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Donor or Disaster Victim? Here’s How to Avoid Charity Scams

Disasters like Hurricane Harvey are terrible reminders of how unexpected and fragile life can be. During times like these, it’s only natural for people to want to reach out to help support disaster relief efforts. Simultaneously, victims themselves will likely want to seek out support. While there
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How to Ensure Your Child Stays Safe While Playing Video Games

Video games are nothing like they use to be, as the activity has transformed since its debut in the 1970s in ways that might have been hard to imagine even a decade ago. Games can connect players in one part of the world to players in another,
[Read More]

Back-to-School Financial Tips for College Students

Updated: July 26, 2018 As school ramps up, many students will find themselves either on a college campus for the first time or aiming to get back into the college routine. This exciting occasion will come with tons of new challenges, especially financial ones, which is why
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Managing Your Attack Surface: How to Protect Yourself from Digital Threats

In this interconnected world, the largest and most constant threats are digital. With data breaches being the norm, it can often feel like falling victim to identity theft is inevitable. While it can be hard not to succumb to this sense of inevitability, there are some things
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Can You Fall Victim to Identity Theft if You Have Bad Credit?

Identity theft is a rampant problem in today’s world that has the potential to affect everyone. Even though anyone can fall victim to identity theft, those with bad credit (or no credit at all) might mistakenly believe that their identities are worthless to thieves and, thus, be
[Read More]

How Does a Lapse in Auto Insurance Affect You?

While much attention is given to providing consumers with information on how to obtain and manage auto insurance policies, there seems to be less information available about insurance gaps or lapses in insurance policies. Insurance lapses and coverage gaps are, unfortunately, not all that uncommon – since
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Can My Bank Account Application Be Denied?

Banks are one of the most important foundations of personal finance, as they allow people to save money, plan expenses and set financial goals. While most Americans are familiar with the benefits of banking, few might know that their banking habits are being evaluated by reporting agencies
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How to Remain Safe While Shopping Online

Amazon Prime Day has long passed, but a lot of consumers are still shopping online for deals, especially now that the back-to-school season is in full-swing and the holidays are right around the corner. Last year, 79% of Americans — that’s eight-in-ten people — made at least
[Read More]

Credit 101: What is Your Credit History?

There are a lot of factors that go into creating your credit scores, but perhaps the most important is your credit history. Broadly speaking, your credit history is what helps lenders determine if you’re a reliable borrower, but the specifics that go into constructing credit histories might be
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Proposed Bill Aims to Secure Internet of Things Devices: How Will It Impact You?

It’s likely no surprise to anyone who has used the web that the Internet is, on some level, insecure. This problem has become more pronounced as the number of computers and devices connected to the Internet has increased. While hackers and other bad actors play a prominent
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Mixed Credit Reports and Your Identity: What You Need to Know

Many Americans understand the importance of their credit and the life-altering implications that bad credit can have. While actively managing your credit is an important step in building and maintaining good credit, it is far from the only step; monitoring your credit is equally critical in making
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5 Things Online Dating Newbies Should Know

While online dating can be convenient and fun, online interactions are in a lot of ways more difficult to navigate. Because of this, the transition to online dating isn’t always as smooth or straightforward as people think. That’s why we’re going over the “rules” or etiquette that
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Online Banks vs. Traditional Banks: Which is Best for Your Wallet?

Despite currently offering rock-bottom interest rates, the products and services banking institutions offer remain the cornerstone of good financial planning. As such, deciding where to bank is a fairly important decision for anyone trying to advance their financial goals. In this post, we’ll go into detail about
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Card Skimming Has Evolved: Here’s How to Protect Yourself

We all know that our credit cards or debit cards could be stolen or misused – either through physical theft or through online phishing. But there’s another tool scammers can use to steal your credit or debit card number — card skimming. We discuss the phenomenon of
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Reasons People Use Free Wi-Fi (and Why You Shouldn’t)

This month, cybersecurity company Symantec released the results of its second Wi-Fi Risk Report, which digs into the reasons why consumers, both in America and across the world, use free or public Wi-Fi. While experts have espoused the dangers of accessing public Wi-Fi for years, if Symantec’s
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5 Frequently Asked Questions for VoIP Newbies

For the uninitiated, VoIP might seem like a mysterious concept – at first glance, using the Internet to make calls doesn’t seem like dependable form of communication. As such, there are a number of questions or misconceptions that would-be VoIP users or VoIP newbies likely need answered
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CIT Bank vs. Discover Bank: Which is Best for My Online Savings Account?

Despite the current bedrock interest rate environment among brick-and-mortar banks, there remains a handful of banks where you can get a competitive Annual Percentage Yield (APY) and great service. Most of these banks are online and branchless, but while they might lack in-person support, they tend to
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Verizon Data Leak May Have Exposed Millions of Customers

Another day, sadly, means another opportunity for another data breach. In what appears to be the result of a major oversight, it has been reported that a server containing Verizon customer data was exposed to the open Internet for an unspecified amount of time. Verizon released a
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Should You Take on Debt to Fund a Financial Emergency?

Updated: Aug. 10, 2018 While we never hope to experience emergencies, life can surprise us and leave us in a less-than-ideal situation, sometimes requiring us to spend money on unplanned expenses. This is why it can literally pay off to financially prepare for emergencies by creating an
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Reservation System Breach Affects Hard Rock Hotels & Casinos, Loews Hotels

Along with death and taxes, data breaches are one of the only constants in this technology-driven world. As hackers target bigger fish, breaches in the retail and hospitality industries are becoming extremely common, meaning that more recent data breaches affect larger pools of people. In this blog
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Should Your Children Use Social Media?

In today’s world, technology surrounds us. Not only do we have computers that follow us wherever we go in the form of phones, tablets and laptops, but because of these devices, we are also constantly online. As ubiquitous as technology is, though, it’s important to take a
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Attending an Event or Concert This Summer? Here’s How to Avoid Ticket Scams

With the summer in full swing, many places will be hosting tons of concerts, festivals and other exclusive events. While you can’t put a price on fun or the memories you’ll make this summer, scammers will take a crack at guessing what you’ll be willing to pay
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What’s the Difference Between Fraud Alerts and Credit Freezes?

With identity theft on the rise and news of data breaches popping up almost daily, your credit will likely at some point be the target of fraudsters and identity thieves – assuming they haven’t gotten to it already. This means that you may inevitably face the choice
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What are Credit Report Statements?

Given the degree to which identity theft and credit report errors occur, it’s not uncommon that you’ll find something on your credit reports that isn’t yours. Even though you can dispute inaccurate, derogatory marks that unfairly mark your credit, your dispute may be rejected and you may
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Mid-Year Financial Checkup: Where Do Your Finances Stand?

When it comes to your financial health, it always pays to know where you stand, and a financial checkup can help you do just that. With June nearly over, we’re already halfway through the year, making it an excellent time to step back and assess what has
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Is Your Social Security Card Missing? Here’s What You Should Do

Given how important your social security number is, as it helps you get everything from credit to a place to live, your social security card is possibly one of the most valuable things you own. Unfortunately, like your wallet or cell phone, your social security card is
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Summer Safety Checklist: How to Protect Your Identity, Family and Home

While most people know summer as the season for barbecues and beach parties, it’s primarily known by law enforcement as the season for crime. Unfortunately, this is a pattern that has held true for a long time across the country, and even in some other parts of
[Read More]

Fed Expected to Raise Interest Rates: How This Impacts You

Updated: Oct. 30, 2017 This week, the Federal Open Market Committee (FOMC) is meeting to discuss the state of the economy, and decide whether or not to raise interest rates. Although the affairs of the Federal Reserve might come across as complex and perhaps even detached from
[Read More]

What Can You Do if the Domain Name You Want is Taken?

One of the first things that anyone signing up for a web hosting or website building service has to do is enter in a domain name – the very words that will serve as their website or blog’s name. Even if you opt for a free account
[Read More]

Is It Safe to Link Your Bank Account to Third-Party Finance Apps?

Mint, PayPal, Venmo, Digit – in the growing world of personal finance apps, these are well-known services that provide a lot of utility to their users. While these apps allow users to save money, allocate their investments efficiently or simply not have to worry about splitting a
[Read More]

What You Should Know About Twitter’s New Privacy Policy

Late last month, Twitter announced that its privacy policy will be getting some major changes, effective June 18, 2017. With that date fast approaching, we thought it best to go over these changes in-depth and elaborate on how they’ll affect the average Twitter user. Read below to
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Look Out for These 3 Scams This Summer

Summertime means warm weather and lots of fun. Unfortunately, the weather and your grill may not be the only things heating up this summer. That’s because the high volume of traveling and commerce makes the summer a season that scammers can’t afford to take off. Not only
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Do You Need Auto Insurance for a Rental Car?

Summer has finally arrived, which means that many of us will soon be hitting the open road and putting some major mileage on a vehicle – possibly one provided by a rental car company. One of the big questions you might find yourself asking while in line
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Trying to Rebuild Your Credit? Watch Out for Credit Privacy Number Scams

In the world of credit repair and legal services there is something known as a credit privacy number (CPNs), which can supposedly protect consumers’ social security numbers from identity theft, or in the instance of credit repair, help people gain excellent credit. Since this all sounds a
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How to Know if You’re Using a Fake Website

We frequently talk about scams designed to steal your personal information or online account credentials. While scammers have a plethora of tricks and techniques for deploying scams, a major part of these schemes is fake websites. That’s because scammers often lure intended targets into clicking on a
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What Consumers Should Know About the Fair Credit Billing Act

Today, consumers enjoy several protections when it comes to purchases made with their credit cards. These protections allow them to receive compensation for unauthorized charges, request that inaccuracies are removed from their billing statements and, in some cases, withhold payment when a merchant makes an error regarding
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Do You Suffer from Password Fatigue?

Here’s a scene that’s probably familiar: a website has notified you of a data breach and forced you to change your password. You visit the website and enter a new password, but it doesn’t meet the security requirements for password length or complexity. You think of another
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Online Banking Cybersecurity: How to Make Sure Your Accounts Remain Secure

While online banking is designed to provide convenience to manage and access your accounts whenever you please, in today’s world — full of data breaches and identity theft — the security of online banking is something you likely think about. Luckily, as scammers have gotten smarter, so
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Is a Web Host or a Website Builder Better for Blogging?

In today’s world, where lots of important discussions take place online, blogs are a natural means of self-expression. As such, many individuals with limited web design experience might find themselves drawn to blogging. While tons of resources detailing how to set up blogs exist, trying to follow
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When Should You Take Your Online Dating Conversation Offline?

Online dating can be enjoyable and exciting, as it’s designed to be a low-pressure environment to have conversations with new people and find someone you share a lot in common with. But while meeting people online is fun and easy, something that worries many online daters is
[Read More]

5 Tips to Prepare New Homeowners for the Next Tax Season

Homeownership is a wonderful investment for yourself and your family, but it takes a lot of consideration and planning to prepare for it effectively. Given that taxes affect both property management and investments, preparing for homeownership includes familiarizing yourself with the tax code as it applies to
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The College Graduate’s Financial Guide to the Real World

It’s May, which means soon college seniors across the country will be transitioning from college life to adulthood. They will be going from managing units and grades to managing student loan debt and income. To help you make this transition easier, we’re detailing what a soon-to-be college graduate
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Owe Money to Uncle Sam? Here’s How to Adjust Your Tax Liability

Even though tax season ended last month (unless you filed an extension), you might be wondering if you can reduce what you’ll pay in taxes next year or reduce the refund you’ll receive, so you can get more money in your pocket throughout the year. The good
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Why You Should Monitor Your Credit Frequently

Your credit is the precious lifeblood of your financial health. While many people are familiar with this fact, a lot don’t seem to manage their credit accordingly. Managing credit doesn’t simply mean building good credit and developing a set-and-forget mentality toward credit reports and scores. Even if
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What are Facebook Sweepstakes Scams and How Can You Spot Them?

Unfortunately, Facebook scams have been part of the website’s history since the social network’s popularity took off at the end of last decade. Among the most popular scams that have ever targeted Facebook users is the contest giveaway or sweepstakes scam, which involves fraudsters luring Facebook users
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BrickerBot Malware Destroys Internet of Things Devices: How to Protect Yourself

Earlier this month, security researcher Pascal Geenens documented a new type of threat ravaging the Internet of things (IoT). Dubbed BrickerBot, this malware “bricks” or destroys the devices it infects and utilizes the same vulnerabilities used by Mirai in last year’s massive Internet DDoS attack. Although BrickerBot
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Mastercard Unveils Cards with Built-in Fingerprint Scanners: Are They More Secure?

Last week, Mastercard unveiled a new EMV card with an added feature – a fingerprint scanner which will be used to authorize payments. The new card is currently being tested in limited markets in South Africa, and the plan is to slowly expand tests to other markets
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4 Personal Finance Lessons to Teach Your Children

Having a solid grasp of money and credit is necessary for any responsible and financially-literate person. Unfortunately, though, it’s one of the least taught aspects of life for children and adolescents, and as a consequence, many young adults must learn about money and credit the hard way.
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How to Open an Online Savings Account

Even though interest rates remain at record lows and banks aren’t paying out much in terms of an annual percentage yield, savings accounts remain a centerpiece of financial planning. Whether or not you intend to have multiple savings accounts or just a single savings account, banks can
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The Internet of Toys: A Look at Playtime in the Era of Data Breaches

We’ve talked before about the Internet of things, which is considered by many to be the next frontier of consumer electronics. With IoT technology rapidly spreading to a wide range of products – from appliances to lightbulbs and air fresheners – more and more toys are now
[Read More]

Common Myths About Building and Managing Your Credit

For those trying to get a handle on their credit, or for those just learning about credit, it can be hard to understand what credit is and how it works. This task is made even more difficult by persistent myths and falsehoods that tend to be perpetuated
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How Do You File a Tax Extension?

It’s already that time of year when early-bird tax filers have likely cashed in their refunds, and last-minute tax filers are kicking things into overdrive. With Tax Day upon us and tax season coming to a close, we thought it best to talk about how you can
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Microsoft Ends Support for Windows Vista: What This Means for You

As of April 11, 2017, Windows Vista has officially reached its end of life. As per Microsoft’s Lifecycle Policy, which sets dates terminating Microsoft’s commitment to specific product lines, Vista’s current status means that tech giant will be abandoning support and updates for the operating system and
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IRS to Start Using Private Debt Collectors for Past Due Taxes This Month

Early last year, we reported on a story detailing a transportation bill, called the FAST Act, which contained provisions allowing the IRS to rely on private contractors to assist with the collection of back owed taxes. This month, those provisions are set to go into effect and
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Do Students Need to File Taxes?

Although college students might see filing tax returns as something squarely in the realm of “adulting,” the truth is that many students may have to file taxes well before entering the adult world. Other students might not technically have to file, but will benefit nonetheless because they
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What to Know Now That the FCC Internet Privacy Rules are Reversed

One of the most discussed stories of last week concluded Monday when President Trump signed legislation repealing the soon-to-be implemented FCC Internet privacy rules regarding Internet Service Providers’ (or ISPs) use of consumer data. Given the multifaceted nature of this issue, it might feel overwhelming following this
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How to Know You’re Dealing with a Scammer

Nowadays, it seems like scams are a fundamental part of life. While people know what scams are, they may not always recognize that they’re dealing with a scammer until it’s too late. To help you avoid falling for a scammer, we detailed four tell-tale signs that you’re
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4 Ways Your Smartphone Compromises Your Identity

Today’s smartphones contain nearly every detail of our lives, which means that protecting your identity on the device starts with good cybersecurity practices. To help you protect yourself from unknowingly exposing your personal information tracked and stored on your phone, we detailed four ways your smartphone compromises
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FCC Takes Steps Toward Combating Phone Scams: What This Means for You

Phone Scams, which we’ve discussed before in detail, are among the most common types of scams consumers encounter. Since unwanted calls, including illegal robocalls and telemarketing calls, tops the list of the FCC’s consumer complaints, the commission has continued to devote resources to combat the problem. Last
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How Sharing a Credit Account Affects Your Credit Scores

Credit cards, personal loans, mortgages and other types of credit offer multiple account options, and keeping track of all of them can be confusing. This is especially true when it comes to the options that allow you to share a credit account with other individuals. Despite some
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Hobby vs. Business: What’s the Difference When It Comes to Taxes?

In an era of freelancing, gigs, self-employment and working from home, more people than ever are making money outside of the traditional 9 to 5. When it comes to tax season, though, not all income-generating activities are the same. Generally speaking, the IRS uses the distinctions “hobby”
[Read More]

Facebook Like-Farming Scams: Why You Should Think Before You Like

Facebook is a convenient way for many people to keep in touch with friends and loved ones, but it’s not all fun and games. While the service is relatively secure, there are scammers on the site who will stop at nothing to get you to engage in
[Read More]

Can Being Evicted Hurt Your Credit?

Being evicted is one of the most stressful experiences that can happen to someone who rents their home. Although the stress of having to quickly find new, affordable housing can be hard to deal with, what if there was more at stake? As difficult as it is
[Read More]

Is Internet Fax Better Than Email?

If you need to send an important document for a personal matter or business purposes, what is your file-sending method of choice? Your answer will likely be email, but did you know that email might not be the best way to send sensitive documents? Instead you may want
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What Consumers Should Know About the Leaked CIA Toolkits

Last Tuesday, the WikiLeaks organization released a cache of almost 9,000 documents allegedly leaked from the CIA. Dubbed “Vault 7,” these documents are said to detail everything from CIA trade secrets to, oddly enough, Internet memes and geek-culture references shared between agents. While the public is aware
[Read More]

What Can You Do if Your Credit Dispute is Rejected?

With credit report errors being a somewhat common occurrence, it might not come as a surprise that one day you may have to file a dispute to remove inaccuracies from your reports. What might come as a shock, though, is that sometimes credit report disputes can be
[Read More]

Credit Limits and Your Credit: How Do They Relate?

If you have a credit card or line of credit, you may be familiar with the term credit limit. Although most people know that a credit limit is the maximum amount you can spend on a credit account, they may not understand how a credit limit impacts
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How Repossession Impacts Your Credit

Losing your vehicle or property to repossession is not an ideal situation, but while you might understand what it means to have something repossessed – essentially, a lender or creditor takes away someone’s possessions for a debt that was defaulted on – you might be left wondering
[Read More]

What is Metadata and Should You Worry About It?

Americans are submerged in the digital world. According to a 2015 Pew Research study, over 70% of Americans use the Internet on a daily basis with 21% saying that they’re online “almost constantly.” The Internet has made it so we are frequently connected to the people we
[Read More]

How Do You Know if Your E-filing Service is Secure?

In this day in age, where even air fresheners are connected to the Internet, it’s becoming increasingly apparent that you should be security conscious about everything. From the stores and sites you use to the appliances you put in your home, Internet insecurity is a threat that
[Read More]

What’s Hiding in a Terms of Service Agreement?

We’ve all done it before, simply clicking the box next to the words “accept” and “agree” after zooming past what is effectively a long (legally binding) contract. Even though terms of service agreements should be taken seriously, it’s hard to expect any of us to read them,
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U.S. Senate Special Committee on Aging Identifies Top 10 Senior Scams

Although research has found that millennials are most likely to get scammed, the sheer number of scams specifically targeting seniors is astounding. While there are no hard numbers, a report by the FTC estimates that nearly a third of scam victims who contacted them in 2016 were
[Read More]

Making Sure They’re the One: Financial Compatibility and Your Relationship

Love is blind, or so it’s said, but when it comes to long-term relationships, there are some differences you can’t hide from forever. This is especially true when it comes to your financial compatibility. A multitude of studies have suggested that the No. 1 source of stress
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‘CloudBleed’ Flaw May Expose Your Passwords, Private Messages and More

This morning, news broke that Cloudflare, a popular content delivery network (CDN), contains a critical vulnerability that is believed to have leaked all types of user information, from passwords to private messages, on millions of websites. This vulnerability is so serious that the Google researcher who uncovered
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Phishing Tops the IRS’ Dirty Dozen List of Tax Scams for 2017

The IRS has again released its annual “dirty dozen” list of tax scams for 2017, and while it contains the usual suspects, like phone scams and tax identity theft, this year there’s a new scam topping the list – phishing. Given that the IRS has been warning
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Ransomware is Evolving: What You Need to Know

We’ve talked before about the problem of ransomware and its broad impact on both individuals and important institutions, like hospitals and schools. Although some security experts have predicted that by the end of this year it won’t be as big a threat, there’s no chance it’s going
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How to Avoid Common Online Dating Scams

Valentine’s Day is over, but the search for true love continues. While online dating makes this search easier, at the same time, it can be a battlefield – one littered with time-wasters, creeps and scammers. Is there a way online daters can protect themselves? Below, we highlight some
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Auto Insurance Savings: How to Tune-Up Your Policy

For most of us, auto insurance is simply part of our cost of living, but while auto insurance might be a necessary expense, that doesn’t mean that it has to come at a steep cost or that the price is fixed. Indeed, your insurance company will not
[Read More]

What You Need to Know About This ‘Dangerous W-2 Phishing Scam’

This month, the IRS warned of a “dangerous W-2 phishing scam” that is a continuation of a scam which hurt multitudes of taxpayers last year. This year, however, not only is this W-2 phishing scam even more effective, but its consequences and reach have drastically intensified and expanded. What exactly is
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How to Choose an Online Tax Service

Tax season is officially underway, and since tax identity theft continues to be a growing problem, some might be eager to file sooner rather than later. For those who opt to e-file, it can sometimes be a challenge to find the right service to use. While many
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Do Tax Payments Affect Your Credit?

Your credit scores are probably the last thing you’ll be thinking about when you file your taxes this season, but did you know that there are instances when your tax payments may impact your credit scores? If you owe or plan to owe the IRS money after you file
[Read More]

What is Social Engineering and How Can You Avoid It?

You’ve likely been overwhelmed with years of warnings about the importance of strong cybersecurity practices. Once relegated to being solely the concern of IT departments, cybersecurity has become of increasing importance in the last decade due to the entangled nature of our digital and offline lives. As
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When Can You Get Free Copies of Your Credit Reports?

We’ve spoken at length about your right to check all three of your credit reports for free once every 12 months, but did you know that there are other times when you can get free copies of your credit reports? As dictated by section 612 of the Fair
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What We Can Learn from 2016’s Worst Passwords

Although 2017 is already in full swing, you may still be thinking of ways to better yourself in the new year. While it’s probably not at the top of your list, changing your password should be, especially since SplashData’s list of 2016’s worst passwords has been released.
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Is It Safe to Share Bank Account Information?

We’ve talked before about scams that target your banking information and how the best way to combat these scams is to avoid sharing your information in the first place, but can you be scammed or hacked after providing your bank account information for a legitimate reason, like
[Read More]

What Everyone Can Learn from the Gmail Phishing Scam

Last week, news broke about a phishing attack targeting Gmail users. It’s said to be one of the most sophisticated phishing campaigns in the past year, as even several tech-savvy individuals fell for the scam. What do you need to know to keep yourself safe from this scheme?
[Read More]

Which Online Tax Preparation Service is Best for Me?

It’s once again that wonderful time of year — a time filled with tax returns and, for some, refund checks. While there are a number of individuals who still submit tax returns by mail, which we should note isn’t the safest way to file, a large majority
[Read More]

A Guide to Choosing Between Credit Monitoring and Identity Theft Protection

In today’s world, it’s important to safeguard your credit and your identity. Given the growing number of data breaches and many different types of identity theft out there, this can prove difficult, but luckily there are services like credit monitoring and identity theft protection which can help.
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Cash Back vs. Travel Rewards: How to Decide Between the Two

Updated: April 18, 2018 Choosing a rewards credit card is not always an easy feat. While some consumers know exactly what they want, others may find themselves lost among the seemingly endless options. To help you find the best rewards credit card for your needs, we detail
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January is National Stalking Awareness Month: What Do You Need to Know About Cyberstalking?

January is National Stalking Awareness Month and to bring awareness, we’re digging into cyberstalking — what it is, its effects on victims and how you can protect yourself and your family. The exact statistics on who is affected by cyberstalking are somewhat hazy because not all acts
[Read More]

What are Your Options for Dealing with a Debt Collector?

Having a debt in collections is no fun for many reasons, but most of all because debt collectors have the potential to flip individuals’ lives upside down. Everyone, from comedians like John Oliver to government bureaus like the Consumer Financial Protection Bureau (CFPB), has noted the degree
[Read More]

6 Ways Credit Affects Your Everyday Life

Credit is like an invisible shadow that follows each of us around throughout our lives. For those who have good credit, it’s easy not to pay attention to the shadow; it’s simply present in the background and not noticeable unless you’re actively seeking a loan or applying
[Read More]

Your Digital Inheritance: What Happens to Your Social Media Accounts When You Die?

As morbid a topic as death is, preparing for it is important for both your family’s financial health as well as your personal legacy. While Facebook or Twitter are likely the last things on your mind if you’re terminally ill or seriously injured, these online accounts have
[Read More]

How Can I Maintain Good Credit?

We talk a lot about improving less-than-stellar credit, but continuing to maintain good credit once you’ve worked to build it requires a different perspective. Credit maintenance is about commitment and consistency. Good credit is a journey, not a destination, and like many other goals – such as
[Read More]

Are There Different Types of Identity Theft?

Identity theft is a problem that affects millions of Americans every year. While the number of people who fall victim to identity theft can be hard to calculate, reports by various sources – from government agencies like the Bureau of Justice Statistics to research firms like Javelin
[Read More]

Why Good Credit Matters After Retirement

Some people imagine retired, debt-free individuals to be above the consequences of bad credit scores. They think that if a retiree has paid off their home along with any other loans or debt they accumulated, then their credit scores don’t matter, while the reality is commitment to good credit
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Does ‘Good Debt’ Exist?

In most people‘s lives, there will come a time when they‘ll have to borrow money. As burdensome as being in debt sounds, strategically acquired debt isn’t bad, and in some cases, might actually be useful. While being debt free is a goal many people have, you shouldn’t
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What Consumers Can Learn from 2016’s Financial Scandals

When it comes to financial scandals, 2016 was no stranger. While the headlines of the past year, thankfully, didn’t quite compare to the ones from 2008, there were some major issues that came up in the financial sector this year. From a JP Morgan bribery settlement to
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6 Reasons Your Loan or New Credit Application Was Denied

If you’ve ever submitted a loan or new credit application, there’s a possibility that your application was denied. Worse yet, you may not entirely understand (or know) the reason for your rejection. Failure to get approval from a lender can be demoralizing, especially since creditworthiness is an
[Read More]

Fed Raises Interest Rates: What This Means for Your Savings in 2017

Editor’s Note: This blog post was written for the Dec. 15, 2016 interest rate increase and updated when the March 15, 2017 interest rate increase was announced. In the last Federal Open Market Committee meeting of 2016, it was decided that the Federal Reserve would raise interest rates
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How is Your Credit Score Calculated?

Many Americans know what credit scores are, as well as where they can view their credit reports. Some even know the names of the companies, like the Fair Isaac Corporation (FICO), that produce credit scores. However, what’s less commonly known is exactly how credit scores are calculated.
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What is Synthetic Identity Theft and How Does It Affect You?

When it comes to identity theft, many people think that identity thieves lift names, addresses and other identifying information and simply use that information to pretend to be that person. While this is somewhat true, that’s not how all identity theft cases work. In the last few
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5 Holiday Safety Tips to Protect Your Home and Identity

Whether you’re traveling or staying home for the holidays, it’s important to take some necessary precautions to keep you and your family safe from would-be scammers, identity thieves and home invaders. Given how hectic this time of year can be, it may be difficult to take every
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What Happens to Your Finances After a Divorce?

When the wedding bells ring, nobody wants to think that their future plans might go sour, but unfortunately divorce is something that could happen. While the divorce rate has been falling for decades, the truth is that there are still a lot of couples who, expecting only to
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Best Cash Back Credit Cards for Everyday Purchases

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. Groceries, gas and dining out are some
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What are Derogatory Items and How Do They Affect Your Credit?

Credit reports are essentially the report cards of your financial life and, like report cards, credit reports have a grading rubric that must be thoroughly understood to read them properly. Many people are familiar with credit scores and even credit ratings like fair and excellent, but they
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Are Security Questions a Safe Way to Protect Your Online Account?

When it comes to cybersecurity, good password practices are seen as the bedrock that can help consumers stay safe. But while strong passwords are an extremely important part of the puzzle, there’s often another aspect of cybersecurity that goes unmentioned – security questions. These are common questions
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Fake Apps Flood the App Store: How to Protect Yourself

With the holiday season underway, Americans have begun holiday shopping. This means that a number of shoppers are looking for the best deals. While some people prefer to shop at brick-and-mortar stores, others prefer to shop in their living room through the Internet using their computer or
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Are Personal Checks a Safe Way to Pay?

Personal checks are a form of payment that’s at least as old as the 11th century, with the modern version tracing its name and origins to English bankers in the 18th century. While the check has gone through many updates throughout history, in a lot of respects,
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What is Collections and How Does It Affect My Credit?

Credit report blemishes are a big problem for Americans. While the types of derogatory items on your credit reports can differ — and some may be errors — one thing you may spot on your credit reports is a collection account. According to the Consumer Financial Protection
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Can I Request a Credit Freeze for My Child?

Updated: Oct. 12, 2017 Protection against identity theft requires potential victims to take preventative steps that make it harder for would-be thieves to get their hands on any personal information. With all of the security breaches these days, it almost guaranteed that some of your information, whether
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How Do Public Records Affect Your Credit?

Record systems for tracking people have been around since the invention of writing and civilization itself, though if you ask any genealogy enthusiast, past records aren’t always easy to track down. These days, though, the information that ends up in public records is far more extensive and
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What is an Insurance Score and How Does It Affect Your Premiums?

Grading is an inescapable part of life. Long after our days of cramming for exams, we still find ourselves looking at grades, albeit different from the sort we got in school. In the real world we’re usually only graded on one thing – our ability to pay
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How to Protect Yourself from Crowdfunding Scams

Imagine having a personal cause that you want to promote. In the past, you might have been limited to asking friends, family and maybe neighbors and coworkers for support, but today with crowdfunding websites, like GoFundMe, Kickstarter, Indiegogo and more, you can reach out to thousands of
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How to Get Financially Ready for a Natural Disaster

The toll of extreme weather events, like the recent Hurricane Matthew, is often staggering. With the cost of damages sometimes reaching into the billions, entire regions can have their way of life destroyed in a flash. While these regions work to rebuild, survivors and evacuees have their
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Tax Scams to Be Aware of as the Extension Deadline Approaches

With the Oct. 17 deadline for tax extensions quickly approaching, some scammers might try to take advantage of the last minute rush to file. As we’ve mentioned numerous times before, scams, including tax scams, happen year-round, which means you need to be aware of them throughout the
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Do VoIP Services Work Abroad?

Perhaps one of the most common questions asked by potential and current VoIP users is if their services can be used abroad. It’s an important to know because some users may want or need access to their service if they frequently travel or temporarily live abroad. The
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Familiar Fraud: When Your Identity is Stolen by Someone You Know

Identity theft can be a disheartening experience, and the idea of a stranger desecrating your good name is an awful thought for most people. But how much worse would it feel if the perpetrator was someone you knew and trusted? We tend to think of identity thieves
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Best Secured Credit Cards for Rebuilding Your Credit

Whether you have poor credit or no credit, there are still opportunities for you to work toward improving your credit scores. Despite what you might believe, there are cards called secured credit cards that are specifically designed to help people build or rebuild their credit. Below we
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What Can You Do if You Become a Ransomware Victim?

2016 has turned out to be the year that cybercrime upped its game. Between an uptick in phishing of all kinds, a rise in scams targeting millennials and the domination of ransomware threats, experts are struggling to keep pace with the bad guys. By security company Symantec’s
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What is Domain Privacy and How Can It Help Me?

One of the first things you need in order to have a website is a domain name. While you can opt to use the free domain name your web builder provides, purchasing a domain name is likely a better option, especially if you’re using the site to
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4 VoIP Myths You Likely Believe to Be True

Switching to a new phone service can sometimes be a challenge, as you have to get used to a new service provider. It may appear that this is especially true with VoIP services because you not only have to find a new service, but you may also
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Was Yahoo Breached? Here’s What You Need to Know

Yahoo has been in the news a lot recently, especially at the end of last month when the tech company found a buyer interested in purchasing its core business. But now Yahoo is making headlines for some very different news — a potential data breach. On the
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Should You Cover Your Webcam?

Covering your webcam with a sticky note, sticker or tape might seem like a strange idea, but it’s something that some security experts and even high-profile individuals like Mark Zuckerberg and FBI Director James Comey do for security purposes. Are these security threats something that someone really
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Should I Install Multiple Internet Security Software on My Device?

With all of the breakout malware attacks and frequent breaches going on these days, you might be looking for a way to enhance the defenses of the devices you use. Maybe you already have Internet security software but now you’re thinking that one isn’t enough anymore, especially since
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How Does Marriage Affect Your Credit?

Getting married is a wonderful experience, but after the walk down the aisle, the vows and the I do’s come some really hard but important decisions, one of the most important being how you and your spouse will manage your finances. Even if you and your partner
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Will VoIP Providers Allow Me to Use My Own Adapter?

VoIP adapters are an important piece of hardware pivotal to most home VoIP services. Customers switching between VoIP services might be wondering if they can simply use their own adapter rather than one a VoIP provider offers, while others who are new to VoIP may not understand
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What are Credit Reports and Credit Scores?

It’s pretty clear that there are some major benefits to maintaining a positive credit history, as good credit is central to both financial responsibility and financial access. While it’s easy to see the consequences of bad credit, it can be downright confusing to actually keep track of
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What You Need to Know About Card Cracking Scams

The face of fraud is always changing, and while we hear a lot about scams targeting the elderly or tech newbies, scammers are always expanding their reach to different demographics. One scam that emerged in 2011 and has since peaked is known as card cracking, which targets
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What is Phishing and How Does It Affect You?

In this day and age, one of the biggest cybersecurity issues is phishing. Between last October and March of this year, experts found that instances of phishing have increased 250%, putting phishing activity at the highest level it’s been in 12 years, as reported by Infosecurity Magazine.
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6 Things to Consider When Choosing an Online Savings Account

When it comes to online savings accounts, there are a lot of options to choose from. While it’s easy to compare online banks to traditional banks, it can be hard comparing them to one another. The good news is that having some criteria in mind while looking
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I Received an Email from Amazon About e-Book Credits: Is it a Scam?

In mid-June, many people received an unexpected email stating that they will be provided with Amazon credits as a result of an Apple settlement. In an era filled with email scams, one can’t be too sure about the legitimacy of an email like this, especially one offering
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How Much Tax Withholding Should You Accept on Your W-4?

If you’ll be starting a new job soon, chances are that you will be filling out a tax form known as a Form W-4. This form will help determine how much of your pay will go toward your tax bill and how much you keep, which consequently
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Road Trip Checklist: Why Auto Insurance Should Be at the Top

Updated: Sept. 19, 2017 It’s summer, which means it’s a great time to take a road trip. If you’re already planning one, chances are you’re making a checklist to help you pack and get your car road-ready. But something that can be easily overlooked when planning for
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Homebuyers Beware: Ongoing Mortgage Scam Puts Home Sales at Risk

Imagine making a successful offer for your dream home and getting your mortgage approved. While you’re waiting for the closing process to begin, you receive an email from your real estate agent stating that the buying timeline has changed. To expedite the closing process, they ask you
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What are Tech Support Scams and How Can You Avoid Them?

It seems like there’s nothing scammers wouldn’t exploit to get to your wallet or personal information. Starting sometime late last decade with an explosion of fake Indian call centers targeting English speakers, tech support scams are now nearly a global phenomenon. With scammers making billions from targeting
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How Student Loans Affect Your Credit

School can have a lifelong impact in more ways than you think. If you’ve taken out student loans, then your credit scores, essentially your credit reports’ final grades, will be affected. While credit scores sound intense, they can easily be maintained with responsible use of credit, such
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3 Unexpected Ways to Put Your Identity at Risk

We all know that identity theft can happen anywhere at any time. While individually we cannot put an end to identity theft, there are small habits many of us have that unexpectedly put our own identities at risk. Being aware of these habits won’t guarantee that identity
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What are the Consequences of Parental Oversharing?

Since the advent of social media, efforts have been made to teach children the dangers of oversharing online. Shockingly though, it seems that it’s parents who might need to learn a thing or two about oversharing. A relatively new phenomenon dubbed sharenting or oversharenting reflects the trend
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Should You Have More Than One Savings Account?

This might sound like a strange question, but choosing how you manage your bank savings is one of the most important financial decisions you’ll make. Financial success requires financial planning, and this is a decision you’ll likely need to make over time as your finances change. But
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What is Home Equity and Why is It Important?

If you’re a new or recent homeowner, you might have any number things on your plate, like managing the upkeep of your property or paying off your mortgage. However, the one thing all homeowners could benefit from adding to that list is keeping track of their home
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Walmart Sues Visa Over Chip-and-PIN Transactions: What You Need to Know

These days, it might seem like a lot of companies are going to court over consumer security. The trend started with last year’s Target lawsuit following the 2013 breach, then we saw Apple taking on the FBI regarding iPhone encryption earlier this year and now we have
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Where Does Your Information Go After a Data Breach?

Week after week, reports of stolen credit cards, social security numbers and other sensitive information flood the media. While data breaches are a headache, what’s worse is that the evolution of malware has made it so that thieves can nab your information at nearly any time, like
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3 Summer Scams That Can Ruin Your Plans

Summer’s nearly here, which means it’s time for barbecues, family vacations and weekend outings. But while you’re planning for summer, scammers will be hard at work doing some planning of their own. To avoid taking away from your summer fun, we detailed a handful of scams to
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How to Be Tax Ready Year-Round

Now that tax season is over, anything tax-related is likely the last thing on your mind, but maybe it shouldn’t be. Every year when tax season comes around, a handful of taxpayers feel the stress of making sure they have everything compiled and ready to file before
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WhatsApp Adds End-to-End Encryption: What You Need to Know

Early in April, right on the heels of the FBI vs. Apple conflict, the instant messaging service WhatsApp announced that it had deployed end-to-end encryption, joining other popular messaging apps like Apple’s iMessage in using this security feature. While this announcement really only affects WhatsApp’s 1 billion or
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How Common are Credit Report Errors?

While we’ve previously talked about disputing credit report errors as well as the role of credit repair agencies in restoring your credit, it may seem like credit report errors are common occurrences, but are they really? To put it in perspective, we did some digging to find
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Tax Season is Almost Over: Tips for Last-Minute Filers

With the month of April now underway, we’re nearing the end of the 2016 tax season. This means that taxpayers who have not yet filed either need to file their return or request an extension before April 18. If you’re one of the numerous last-minute filers, here
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What Can You Do with Your Tax Refund?

With Tax Day approaching, it’s now the season for receiving as millions of Americans are anticipating refund checks (if they haven’t gotten them already). Uncle Sam will pay out some $300 billion in refunds to about 66% of taxpayers, according to a study from the National Retail
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Website Building and Web Hosting: What’s the Difference?

While it’s clear that having a website for your business or personal brand in this day and age is extremely important, the methods of making a website may not be as clear. Typically there are two types of services people turn to when they want to create
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What is Malvertising and How Does It Impact You?

On Saturday, March 19, major news websites such as The New York Times, BBC, Newsweek and Aol.com began serving visitors malware for the duration of the weekend. The malware didn’t come from these pages; instead, what happened was the advertisements posted to these sites were remotely hijacked. This
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Can Wearables and Fitness Devices Compromise Your Privacy?

We live in a wonderful time where technology is now able to interface with health systems. In the past, measuring health and fitness was something reserved for just doctor’s appointments and personal training sessions. But now, with wearable technology and smartwatches like the Fitbit or Apple Watch,
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How Can a Fraud Alert Help Me?

In this day and age, as data breaches and identity theft run rampant, it helps to have some degree of protection. While identity theft protection or credit monitoring are definitely good tools to have, credit bureaus also provide additional protection to consumers by allowing them to place
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Facebook’s Privacy Checkup: What is It and Why is It Important?

If you’ve used Facebook’s mobile application in the last month, you might have gotten a visit from a little blue dinosaur. This cute little fella is Facebook’s security and privacy mascot and he’s here to inform you about Facebook’s privacy checkup feature, which alerts you to the status of
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Why Should You File Your Taxes Sooner Rather Than Later?

With February coming to a close, we’re almost halfway through tax season, which means the April 18 deadline is quickly approaching. Even though you still have some time to file your taxes, it’s in your best interest to file sooner rather than later. Don’t believe us? Here
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What’s the Difference Between VoIP and Virtual Phone?

When it comes to selecting a phone service for your business, one decision you may have to make is whether VoIP or virtual phone is better for you. At first glance VoIP and virtual phone might seem similar, but they both serve somewhat different purposes. Before using
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What is HTTPS and Why is It Important?

Last month, Google announced a change to its Chrome browser that would clearly show the user that they are browsing on an unsecure site by showing a red padlock with an “X.” This update by Google, along with other companies’ updates, is part of an effort to
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What Do First-Time Tax Filers Need to Know?

It has been said that only two things are certain in life, death and taxes. While taxes are simply just a routine aspect of life for many filers, they can be foreign, confusing and daunting for first-time tax filers. Here’s what you need to know if you’re
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Credit Monitoring and Credit Repair: What’s the Difference?

There’s no denying that credit is your financial lifeblood, as it helps you do everything from signing up for a cell phone plan to buying a house. Since it holds so much importance in our lives, it’s essential for us to take steps to protect our credit.
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Is E-filing My Taxes Safe?

Many taxpayers are no strangers to filing their taxes online (or e-filing). In fact, according to the IRS, the percentage of U.S. taxpayers who file online has increased from 52% in 2004 to 85% in 2014, and it’s likely to be even higher this year. E-filing by
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IRS Enlists Help of Private Debt Collectors: What This Means for You

Thanks to a recently-enacted law, the IRS is going to intensely pursue owed back taxes with the help of private debt collectors. Dubbed the FAST Act, this law has the potential to cause a lot of confusion with regards to how the IRS operates and legitimacy of
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5 Things to Know About the Internet of Things

The biggest buzzword of business operations and consumer electronics in the last three years is Internet of Things. As we explained in this post, Internet of Things (IoT) refers to essentially any device you have that can connect to the Internet or a network of “smart” devices
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Tax Season is Here: Which Online Tax Service is Best?

Now that tax season is here, consumers are looking for a reliable, easy way to file their taxes. Why not use an online tax service? These services allow you to easily and safely file your taxes online from the convenience of your own home. And the best
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How Can I Save More Money in 2016?

A brand new year is here, and that means new goals and standards to hold yourself to. While some may be working towards building a healthier lifestyle, others concentrate on getting their finances squared away. Financial goals are among the most common resolutions and with almost 50% of
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Know Before You Owe: How This Mortgage Rule Impacts You

It seems like rules and regulations for mortgages are always updating, and this year has been no exception as one new mortgage rule has been added to the mix. The Consumer Financial Protection Bureau (CFPB)’s Know Before You Owe rule, which went into effect on Oct. 3, provided
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3 Cybersecurity Tips to Teach Your Children

In a world full of frequent security breaches, identity theft and privacy invasions, knowing the basics of cybersecurity is important for everyone, especially children, who are just as vulnerable to cybercrime, as we saw with the recent VTech breach. Similar to how good financial habits can never
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Tips to Protect Your Identity During the Holidays

Vacations and the holiday season usually go hand-in-hand, as many people get time off of work to spend time with the ones they love most, away from the worries of the world. Unfortunately, this time of the year is also one where you’re most susceptible to identity theft.
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Chip Card Scams: What You Need to Know

With the long awaited transition to EMV cards, more commonly known as chip cards, finally occurring in the U.S., many are hopeful that instances of credit and debit card fraud will decrease. However, the process of implementation and standardization is taking longer than expected, and there has
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Can Credit Repair Services Help My Bad Credit?

Your credit score is one of the most important metrics in your financial life. As such, keeping a close eye on it is not only beneficial, but also outright necessary given today’s rampant data breaches, as identity thieves will use the information leaked in these breaches to
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Everything You Need to Know About Certificate of Deposits

Whenever you’re thinking of saving some money, there’s usually always a question of whether you should open a savings account or a Certificate of Deposit (CD). While both accounts have their benefits, a CD may be a better bet if you’re planning to save larger amounts of
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5 Signs You May Be Falling for an Online Job Scam

Job searching can be a long, dreadful process. To make matters worse, scammers benefit from this misery by posting phony job ads and attempting to extort job seekers. While online job scams may not seem like a major issue, a FlexJobs survey found that for every one
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What is a C.L.U.E. Report and How Does It Affect Your Insurance?

Searching for insurance can be a stressful process, as there are many things to consider. On top of the most-obvious concern of price, there’s the need to meet the insurer’s criteria. For those who have filed an auto insurance claim, it might seem as if past claim(s)
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Filed a Tax Extension? 4 Tips for Meeting the October Deadline

Updated: Oct. 12, 2017 We’re already almost midway into October, which means that the season for extended tax filing is ending soon. If you requested an extension on your 2016 taxes, the six-month period will end on Monday, Oct. 16. Although the tax extension deadline is already
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Will Your Car Insurance Premium Increase After an Accident?

Having car insurance isn’t just mandatory in most states, it can also be an outright lifesaver. But are there times where car insurance can hurt you? It may not have an effect on you physically, but it may impact your pocketbook, especially after you’ve gotten into an
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What to Do if You Spot Fraudulent Activity on Your Bank Account

Just imagine that you log into your online banking one day and realize there’s a lot less money than you budgeted for — one minute it was there, the next it’s gone. What happened to your money? Whether it’s your savings, debit card or checking account, someone’s
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3 Ways College Students Can Start Saving Money

College is expensive, and saving is probably the last thing on a student’s or parent’s mind — that’s what one’s 20s and 30s are for, right? While it seems that once the student has a career they should start saving, that isn’t necessarily the best time, especially
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What is Domain Parking and How Can It Benefit You?

Have you ever been in a situation where you had a really good idea for a website name, but you didn’t have the time to invest into making the website? Or maybe you’re running a really popular website and you’re tired of other websites with a simple
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Are Online Banks Safe?

Is it safe for me to put my money in an online bank? This is one of the most common questions people transitioning from a brick-and-mortar bank to an online option ask. Online banks with their almost too good to be true competitive APYs appear as a
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Post-Tax Season Scams to Look Out for

Earlier in August, the IRS revealed that the Treasury Inspector General for Tax Administration (TIGTA) has been informed of nearly 4,000 instances of tax scamming this year, which added up to over $20 million in losses. Tax season may be over, but for scammers it’s always the
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Why Can I Only Make 6 Withdrawals From My Savings Account?

Whether you’re opening a new savings account or managing one you already have, you’ve likely noticed your account has a six withdrawal limit per month, with overages resulting in fees or even cancellation of the account. It turns out the Federal Reserve Board requires each bank to
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Ally Bank vs. CIT Bank: Which High-Yield Savings Account is Right for Me?

Do you want to earn more interest on your savings account, but aren’t sure how? Online savings accounts may be the solution for you, as these accounts earn much more interest than you’d get with a traditional bank. These online banks can provide more favorable rates because
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What Does the Future of Banking Look Like?

Over the last 20 years, one of the biggest structural changes to banking has emerged. The rise of direct banking, or essentially branchless services, has revolutionized how banking is being done today. Some predict that this form of banking will completely erode all traditional means of banking,
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Can Parents Get Tax Credits on Back-to-School Expenses?

Summer’s almost over, which means it’s time to go back to school. At the moment you might be looking for ways to save on school supplies, but did you know there are tax breaks that can help you save on some of the most common costs of
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Does a First-Time Blogger Need a Domain Name?

Blogging is a wonderful and personally rewarding activity for a great many individuals. Successful bloggers not only develop expertise in a specific topic, but they can be a part of a supportive community and gain friendships as well. In addition, some lucky bloggers reap monetary benefits from
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6 Traps to Avoid When Talking to Kids About Finance

Given the U.S. is a credit-driven society, a strong grasp of financial topics, especially credit and budgeting, are extremely important to have. But how do you talk to your children about finances? There are a number of surveys, such as those conducted by Spectrem Group and T.Rowe Price,
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Is Unlimited Web Hosting Really Unlimited?

With so many web hosts today offering unlimited as part of their shared hosting packages, a web newbie might be wondering if it’s legitimate or if the entire industry is trying to deliberately mislead customers. The answer, like many things in life, is not so clear cut.
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Do Insurance Companies Look at Your Social Media Profiles?

The Internet is a great resource for conducting research and gathering information on almost anything. Today, with the emergence of data tracking devices and social media, this now includes information about people. While some industries have been using social media to get to know their customers, insurance
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5 Ways to Help You Read More Books

As technology advances, it’s making it easier and easier to keep up with some of our favorite hobbies, such as reading. Even though books have become more accessible — after all, you don’t have to carry a paperback book around anymore — Americans are not making time
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