At the risk of sounding like a broken record, I have new financial data break-ins to report. These attacks are so commonplace now that it is becoming pretty redundant. No, I am not referring to the largest data breach of a retail store in the U.S. I’m also not referring...
Throughout September there will be activities across the country to promote emergency preparedness. More than 3,000 groups including national, regional, and local public and private organizations are supporting National Preparedness Month by encouraging all Americans to be proactive in the event of an emergency. Money Matters in an Emergency Two of the...
Citi's ThankYou rewards program has always been somewhat competitive, but it garnered very few die-hard fans compared to some of the other competing credit card reward programs. One of the things that these other programs have had in common is the ability to transfer reward points to multiple different frequent...
Have you noticed that almost all of the major thefts of confidential financial data are happening in the U.S. and not in Europe? A few years ago, Americans were not really targeted any more than people in other industrialized countries. In the U.S., we are now more susceptible since our...
Behavioral economics is a field of study that melds psychology with financial management. Those who work in this field observe that even though people may study the lessons of finance and learn about financial literacy, they often fail to save as much as they should, stick to a budget or...
Anyone who does a lot of traveling can expect to encounter some challenges when using plastic. In places notorious for an unusually high rate of credit card and ATM crimes, for example, you should be especially vigilant when using an ATM machine. Pickpockets are more common in some destinations, and...
A loyal reader recently asked us an interesting question about whether or not it is possible to pay for a timeshare with a credit card. They only owed a few thousand dollars and thought that perhaps they could pay that balance off with plastic. I know a fellow who, back in...
One of the most common credit questions is "does income affect credit?". The short answer is that no – your income does not impact your credit score. Credit rating agencies closely guard their formulas for coming up with credit score numbers, but they would have to ask what your income...
When I travel overseas, I notice a whole other world of credit card use. Customers dip their smart chip enabled credit cards into machines, and enter a PIN number, instead of swiping the magnetic strip and signing. Restaurants bring wireless card readers to diner's tables, where cardholders perform their own...
World Cup fever is raging around the globe, and everyone seems to be getting in on the action – including credit card giant Visa. Visa has been a FIFA partner since 2007 with an agreement that extends all the way through 2022, and is one of only six global FIFA partners...
I recently wrote about several of the newest high-tech features now in the development pipeline for the credit card industry. While many help to deliver more convenience and ease-of-use to consumers, security currently tops the list of demands for the financial sector. Over the past year the business headlines have...
We know from the Beatles that money can’t buy you love, but what many people don’t know is that there are lots of other attractive things you cannot buy with plastic, either. Let’s say, for example, that you apply for a new credit card because your existing card is maxed-out...
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