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How to Protect Your Child from Identity Theft

June 18th, 2014 by Alice Bryant

Unfortunately, having your identity stolen as a child typically makes things difficult for a young adult. For example, they'll likely experience issues when applying for loans for colleges. Employers and landlords often take a look at credit reports. Therefore, it is important to be aware of this problem, so you can take the appropriate measures to protect your child from identity theft.

Turning Off Your Credit Cards: How New Technology Will Help Stop Fraud

June 11th, 2014 by Alice Bryant

A great answer to preventing fraudulent use of credit cards is here. Many of us have been victimized in some form with credit fraud, especially if you shopped at Target or one of the other companies involved in the December 2013 credit card fraud. Even if you don’t lose money, it is very inconvenient  to obtain new credit cards. Plus, the identity theft will have access to your personal information. They can use this to open new accounts in your name and easily damage your credit score.

Weekly Tip: Protect your smartphone with a password.

Most people have smartphones these days. And most people have personal information on those smartphones - phone contacts, emails, social media accounts, maybe even credit card numbers... It’s no question that you want to keep that information protected from the wrong people. The most obvious way to do this is by having a password- protected lock. That way, if your phone is stolen, which is a very real problem today, you won’t have to worry about the thief having immediate access to all your personal information.
 
Updated by Alice Bryant on Tue, 2014-06-10 16:43

Obama Expands Student Loan Debt Relief

by on June 9, 2014

President Obama signed an executive order Monday to ease the student loan debt crunch. This new law extends 2010’s “Pay As You Earn” program which capped some graduates’ repayments at 10% of their monthly discretionary income. Now, the White House will be expanding eligibility of the program to those who took out loans before October 2007 or stopped borrowing by October 2011. Their payments are current capped at 15% of income, so this will ease the burden for many. 
 

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Cash vs Credit: Which Should You Carry?

June 4th, 2014 by Alice Bryant
To generate money, one must know how to spend money. Among the most common forms of spending in the 21st century includes cash and credit cards. Both come with unique advantages and disadvantages, but that doesn't necessarily mean one mode is more dominant than the other. It is true that the plastic card is slowly replacing the greenback in many areas of consumer culture. But how could something as old as history of civilization itself suddenly fall to a recent innovation?
 

Weekly Tip: Contact your credit card issuer to get a lower interest rate.

Are you sick and tired of having a high interest rate? If you have a good payment history with your credit card issuer, you may just want to call and talk to them. Simply asking for a lower interest rate will often get you a lower interest rate. Credit card issuers don’t want to lose loyal customers, so if you have established a good history with them, they will be willing to do a lot to keep your business.
 
So how do you actually do it?
 
Updated by Alice Bryant on Tue, 2014-06-03 15:27

MasterCard Expands Fraud Protection Program for U.S. Consumers

by on June 2, 2014

Credit Tips for Recent College Grads

May 29th, 2014 by Alice Bryant

Completing college and beginning a career is a heady experience. It is also a time when many people begin the process of building solid credit histories and ratings. Starting off on the right foot will make it easier to build financial security in the years ahead, and always have access to credit when it is needed for major purchases. Here are some tips that will help achieve this goal of financial stability. 

Weekly Tip: Avoid paying unnecessary ATM fees.

Today consumers are paying billions of dollars a year unnecessarily to banks in the form of ATM fees. If you want to get cash from a bank that is not affiliated with your bank, chances are both banks will charge you a fee that can range between $3 to $6 per transaction. Here are a few tips so that you will never have to pay for an ATM Fee:
 
Updated by Alice Bryant on Wed, 2014-05-28 17:13

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