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What Is Balance Transfer? It Is a Way to Lower Monthly Debt Payments

What is balance transfer? A balance transfer is moving monetary debt from one account to another with a 0 interest rate (or low interest rate) for a set period of time. But that does not mean that the debt has gone: it means that you will not be paying interest on that debt for a set period of time. For[Read More…]

by September 10, 2016 0 comments Financial Definitions

What Is the Difference Between Interest Rate and APR?

What is the difference between interest rate and APR? The two terms are quite distinct. Interest rate is the amount of a loan that is charged as interest. If you borrow $100 at 7% interest and will pay it back after one year, you will pay back $107 (unless there are other charges in the terms and conditions). Interest itself[Read More…]

by September 10, 2016 0 comments Financial Definitions

How to Change Social Security Number

How to change social security number: The Social Security Administration will allow you to change your Social Security number, but not to evade the consequences of bankruptcy, evade other legal responsibilities or because you lost or had stolen your Social Security card, but there is no indication that it has been misused. Generally, the authorities will allow you to change[Read More…]

by September 10, 2016 0 comments Social Security Numbers

Annual Percent Rate Definition

Annual Percentage Rate Definition or APR is a convenient way to look at the actual yearly cost of a credit card, auto loan or home loan. It is the annual rate that is charged to you, the borrower, for money lent. It is not just interest costs, but most costs, including all fees. It is often challenging to compare one[Read More…]

by September 9, 2016 0 comments Financial Definitions
How to Get a Replacement Social Security Card

How to Get a Replacement Social Security Card

How to get a replacement Social Security card? You need to call the Social Security administration at 1-800-772-1213 (TTY 1-800-325-0778) or go online to the Social Security website and download an application to get a replacement card if yours has been lost or stolen. The good news is that you can get a replacementcard, but the bad news is that[Read More…]

by September 9, 2016 0 comments How To
A green two-way street sign pointing to Good Credit and Bad Credit

How to Build Good Credit

(1) The reason that you should know how to build good credit is that good credit furnishes you with choices of where to live, what to buy, and when and how you want to go on vacation–just to name a few; (2) When you know how to build good credit you will learn that it may not help you get[Read More…]

by September 9, 2016 0 comments Uncategorized
Identity Theft Definition

Identity Theft Definition

Identity theft definition–It is stealing someone’s personal information, typically for financial gain. It can be credit cards, driver’s license, Social Security number, bank account numbers, you name it. In today’s world, there is no 100 percent protection and identity theft can severely impact your credit before you know it. How? If someone were to get your Social Security number, which[Read More…]

by September 9, 2016 0 comments Financial Definitions

Q&A: How Long Do Items Stay on Your Credit Report?

Q: How long do items stay on your credit report? A: How long do items stay on your credit report? Your credit report follows you for a long time; that is why you must be careful with your loan and credit card payments. If you are more than 30 days late on a payment, it will stay on your credit[Read More…]

by September 8, 2016 0 comments Credit Report
Q&A: How Long Bankruptcy on Credit Report?

Q&A: How Long Bankruptcy on Credit Report?

Q: How long bankruptcy on credit report? A: How long bankruptcy on credit report? Bankruptcy is a serious thing in the world of credit and lending that will stay on your credit report for up to 10 years and may haunt you for a long time after that. Typically, negative credit information of yours will stay on your credit report[Read More…]

by September 8, 2016 0 comments Bankruptcy

Q&A: How long bankruptcy on credit?

Q: How long bankruptcy on credit? A: How long bankruptcy on credit? Speak with a legal professional before you do anything, but avoid declaring bankruptcy if you can help it because it will haunt you for a long time. Typically on a credit report, which are maintained by three credit reporting agencies, truthful negative credit information can be kept on[Read More…]

by September 8, 2016 0 comments Uncategorized

Q: How long bankruptcy?

Q: How long bankruptcy? A: How long bankruptcy? It’s really a two-part question, requiring a two-part answer. The bankruptcy proceeding itself, according to the Bankruptcy Court website can take a few months to a few years. The U.S. Department of Justice says on its bankruptcy information pages that the two Chapters of the Bankruptcy Code most often used by consumers[Read More…]

by September 8, 2016 4 comments Q&A

Q&A: How Long Does Negative Information Stay on Credit Report?

Q: How long does negative information stay on your credit report? A: How long does negative information stay on your credit report? The news is not good! A credit reporting company can keep accurate negative information on your report for up to seven years. Information about a lawsuit or an unpaid judgement against you can be reported for seven years[Read More…]

by September 8, 2016 0 comments Q&A
the front entrance sign to an emergency room department in a city hospital toned with a retro vintage instagram filter effect app or action

You Need an Emergency Fund! But How Much?

Life is iffy, that’s why we all need an emergency fund amount to see us through tough times. But how much? How to we save it if we are spending almost everything we bring in, or worse, spending more than we are bringing it? As a rule of thumb, financial advisers suggest a enough money in an emergency fund to[Read More…]

by September 8, 2016 3 comments Emergency Fund
credit colorful word in the wooden background

How to Build Credit: Get a Free Annual Credit Report and Check it Carefully

How do I get a free annual credit report is one of the first questions you need to ask yourself if you are challenged with debt. What you are looking for? You are looking for everything….(1) make sure there are no mistakes on the report; (2) look for accounts that you did not open…identity theft; (3) dispute any bad information[Read More…]

by September 7, 2016 3 comments Credit, Credit Report
Consolidate Debt 3d Words help assistance combining financial  bills

Here are warnings about the debt settlement process: Debt settlement companies get paid for their services, even if they declare that they are “non-profit.” Typically, they want to get paid on the front end of the process, whether or not they have done anything for you. Debt settlement companies have different ways of getting paid. Let’s say you are $15,000[Read More…]

by September 7, 2016 0 comments Uncategorized
Young man and woman using computers at a coffee shop

Limit Public Computer Use to Protect Yourself from Identity Theft

Don’t use public access computers if you can help it. When you do, change your password within 24 hours. You may be on vacation and you think you will drop into an internet café to check your email and the performance of your stock brokerage account. Don’t do it. You are vulnerable to becoming a victim of identity theft. There[Read More…]

by September 7, 2016 4 comments Identity Theft
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Even Best Debt Consolation Is Not Easy or Painless

Even the best debt consolidation or debt settlement are not an easy or painless way out of your debt…it is hard. Debt settlement isn’t “pennies on the dollar,” as you hear in the ads, it will cost you big-time and for a long time in ways you might not even imagine right now. If you are over your head in[Read More…]

by September 7, 2016 0 comments Debt Consolidation
How To Change Social Security Number and Should You?

How To Change Social Security Number and Should You?

How to change social security number: The Social Security Administration will allow you to change your Social Security number, but not to evade the consequences of bankruptcy, evade other legal responsibilities or because you lost or had stolen your Social Security card, but there is no indication that it has been misused. Generally, the authorities will allow you to change[Read More…]

Open safe deposit box with money, jewels and golden ingot. 3d illustration

Bank Safety Deposit Box Is a Good Way to Prevent Some forms of ID Theft

Protect yourself from document identity theft by getting a safety deposit box at your local bank to protect important papers from theft by burglary or loss by fire. Many banks today, in order to get your business, will offer you a free safety deposit box or one at a greatly reduced price to get your business Here is what the[Read More…]

by September 2, 2016 4 comments Security
Hacker horizontal banner virus attack e-mail spam viruses bank account hacking

Phishing Means You Need to Frequently Check Your Credit Reports and Accounts

Do report your personal information stolen to the three major credit reporting agencies. If you think that your personal information has been compromised, you need to report this to the three big credit reporting agencies including Equifax (800.525.6285); Experian (888.397.3742)) and Trans Union (800.680.7289). Don’t be fooled if you get an email, supposedly from your bank, saying that your monthly[Read More…]

by September 2, 2016 6 comments Identity Theft, Phishing
email phishing words on spring white note book.

Alarmist Messages, Deals Too Good To Be True Help Define Phishing Scams

Do remember these five tips-offs about possible phishing scams: 1.alarmist messages; 2.requests for donations after a disaster has been in the news; 3.bad grammar, poor spelling; 4.deals that sound too good to be true, and 5.promises of big money with little effort. Don’t let your emotions get the best of you. Don’t respond to requests for political donations from your[Read More…]

by September 2, 2016 4 comments Identity Theft, Phishing
Privacy concept:  arrow with Phishing on grunge textured concrete wall background

Phishing Examples Include Emails Demanding Action, Account Numbers

Don’t think that because there is an official-looking logo on a website that it is not a fraudulent. It is easy for scammers to steal a logo online and use it. In fact, scammers can steal the entire code of a web page and reproduce an identical page to the page of the organization. Don’t be fooled because a scammer[Read More…]

by September 2, 2016 3 comments Identity Theft, Phishing
Phising fraud background, red stamp on a grunge paper texture

Phishing Definition: Scammers Trying to Fool You into Giving Them Financial Info

Do go to one of the big search engines if you are in doubt about a website you received by email.The top search engine results will lead you to the real company. Do delete emails from official sounding sites demanding information from you. The IRS, the Social Security Administration and Homeland Security, the U.S. Postal Service will not contact you[Read More…]

by September 2, 2016 3 comments Identity Theft, Phishing
Phishing, series for computers, letters on noticeboard with pins.

What Is Phishing Email?

Do watch out for breach of security emails. That is, your bank account has been breached and you need to take immediate action over the internet to fix it. Don’t do it. Call the bank. Scammers love to scare you and panic you into taking foolish steps. Do watch out for emails from software companies claiming to be security software[Read More…]

by September 2, 2016 0 comments Identity Theft, Phishing
Security concept: Pixelated yellow text Phishing on Digital wall background with Binary Code

Phishing Meaning Is Broad and Includes Fraudulent Websites, Emails…You Name It

Do check your web browser to determine if phishing protection is enabled. This is not fool proof and the browsers only detect phishing websites on a list. Scammers are incredibly smart so don’t rely on browser protection to protect you from phishing. Do take a second look at websites you click onto. Does it look like the normal, elegant website[Read More…]

by September 2, 2016 5 comments Identity Theft, Phishing
Phishing word cloud image with hi-res rendered artwork that could be used for any graphic design.

What Does Phishing Mean? It is a Form of Online Identity Theft that Can Destroy Your Credit

What does phishing mean and how can it hurt your finances and your credit, just at a time when you want to build credit? Phishing is a thief attempting to gain access to your financial information by posing as your financial institution. That is, you get an email from your bank, Bank ABC, that your account is overdrawn and that[Read More…]

by September 2, 2016 3 comments Identity Theft, Phishing

Sample Post 16

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by June 22, 2016 0 comments Category D

Sample Post 15

Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam[Read More…]

by June 22, 2016 0 comments Category D

Sample Post 14

Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam[Read More…]

by June 22, 2016 3 comments Category D

Sample Post 13

Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam[Read More…]

by June 22, 2016 0 comments Category D