Identity theft is one of the fastest growing crimes in the United States last year. Over 11 million Americans have been the victim of identity theft last year. One in every 20 U.S. adults was a victim of identity theft. On average, an identity was stolen every three seconds. A stolen identity can be used to open new credit card accounts, apply for mortgages, and even take out payday loans. Year after year, identity thieves become increasingly more resourceful and ingenious. They find new ways to steal personal information from … [Read more...] about Top 9 Ways How To Prevent Identity Theft From Happening To You
The following is a guest post by Steve Repak, CFP™. Steve is the author of "6 Week Money Challenge For Your Personal Finances", a simple, step-by-step program founded on biblical principles paired with a CFP®’s understanding of modern wealth-management strategies. How realistic is the cash only lifestyle? If you are in debt, you have probably heard over and over again that you should quit using credit cards and stick to cash only purchases. In a previous article, I explained that for some people it actually hurts to break a large bill … [Read more...] about How Realistic Is The Cash Only Lifestyle?
If you're the owner of a small business that employs people who work for tips, your choice of payment system is holding their livelihood in the palm of your hand. A lot of considerate bar owners, restaurant owners, and more will think twice before they institute any changes that could adversely affect the people who work for them. This is both kindness and practicality. If you can't get the people working for you a decent living wage then they're going to leave, you're going to have high turnover, and everything that you wanted or worked for … [Read more...] about What Will Switching to Card Reading Do to Your Tips
Even though governments, businesses and law enforcement organizations all over the world have been taking measures to clamp down on identity theft and rates have dropped considerably in the last few years, ID fraud does still happen. Believe it or not, it could potentially happen to you, so you need to be on your guard. You would think that if you had been a victim of identity fraud, you would know about it right away. However, this isn’t always the case, and some people fail to get a credit card that offers adequate protection in the … [Read more...] about Spotting The Signs Of Identity Fraud
Saving money isn't easy. Sometimes you have to trick yourself into saving money if you want to get it done at all. You have to take your brain out of the equation to get it done. Here are several great ways to trick yourself into saving money without even realizing what you are doing. These are some of the best ways to save for your financial goals and boost your investing without feeling the pinch in your wallet. Seven Ways To Trick Yourself Into Saving Money Spend dollars, save change – One of the best ways to trick yourself into … [Read more...] about 7 Sneaky Simple Ways To Trick Yourself Into Saving Money
Have you ever lost your wallet? Of course it can be a traumatic event in anyone's life. But, there are steps you can take right now to help you before you lose your wallet. I can remember when my wife lost her's at Walt Disney World of all places. She was lucky and someone had turned it into guest services. I'm probably going to jinx myself when I say this, but I have never lost my wallet...not once. But, as most people can attest to, it may just be a matter of time. According to a report from CNN, less than 20% of all wallets that are … [Read more...] about What To Do Right Now Before You Lose Your Wallet
Here is the next installment in our the Reader’s Questions Series which highlight questions emailed to me by you, the readers of Money Q&A. Be sure to find out at the end of this article how you can receive a free copy of Dave Ramsey’s book, The Total Money Makeover if your money question is chosen to be featured on an upcoming week’s blog post. If you're not familiar with Dave Ramsey's book, you should run right out and get it. It is one of my the best personal finance books that everyone should … [Read more...] about