Anticipating the financial challenges that life might throw your way can be difficult, and that’s why it’s a good idea to think about such situations far in advance. Most families at some point are going to have trouble making ends meet, and how you elect to address those problems will have a major impact on how long they might last. When is it wise to use credit cards to bridge a monetary gap? Should you consider seeking a loan from a family member? Are you saving enough during the good times to handle a possible bad stretch?

College grads are often trying to strike the right balance between opportunity and cost when figuring out where they want to work after they’re done with school. It’s a challenge dealing with things like a debt load and credit cards while also hoping to find the best city to work and live in. The problem is that frequently the best cities are also the most expensive, and this is a time when grads don’t want to take on more debt if possible. Let’s take a look at cities where graduates have a better chance of thriving without adding more to their debts.

Identity theft through mobile devices is becoming a more and more prevalent problem, and it’s obvious that there is a growing need to protect smartphones and tablets. Apps and web browsing may help you, but can also leave holes allowing hackers to gain access to your passwords, banking, or payment information, and more. This identity theft occurs through weaknesses found in coding, unsecured Wi-Fi connections or theft of the device.