November 16, 2025 - Nearly 2/3s of Americans have at least one paid online subscription. The most popular of these are paid video streaming services. But others worth mentioning include music streaming, software subscriptions, scheduled monthly deliveries, cloud storage, etc... And if you subscribe to any of these services, there is a pretty good chance that at least one of those subscriptions is from Google. Whether it is YouTube TV, cloud storage or software/apps (from the Play Store), Google has a large subscriber base.

November 9, 2025 - Companies around the globe are rapidly embracing AI. They see it as a way to cut costs and improve efficiency... and in many cases, it works. But AI has a number of issues and any company that thinks using AI to manage customer data is a good idea is really asking for trouble.

October 30, 2025 - Starting January 1 2026 new data privacy laws will take effect in Indiana Kentucky and Rhode Island giving millions of Americans more rights over how their personal information is collected shared and sold. Though each law has its own twist they all offer a set of core protections that include the right to know what data companies collect about you the right to delete or correct that data and the ability to opt out of targeted advertising or the sale of personal information. These laws are part of a growing movement among states to give consumers more control over their personal data.

October 20, 2025 - White House Budget Director Russell Vought announced this week that the Consumer Financial Protection Bureau (CFPB) will be shut down within the next two to three months. Speaking on a radio program, Vought stated that the agency is already in the process of winding down, with only a small group of staff remaining at its Washington, D.C. headquarters. He described the CFPB as having overreached its mandate and placed unnecessary burdens on small lenders and financial institutions. 

October 18, 2025 - A sophisticated wave of scam text messages, linked to criminal networks based in China, has defrauded Americans of more than $1 billion over the past three years, according to a recent report from the Department of Homeland Security. The scheme relies on simple but convincing messages sent to mobile phones, claiming the recipient owes a small toll, parking fee, or postal delivery charge. The messages often include a link to what appears to be a legitimate agency website, but it’s a trap.

October 10, 2025 - If you are in the process of purchasing a home, you probably have some contingencies that you have to remove before closing. These include contingencies for things like completing your inspections, an appraisal of the property and signing off on your home loan. The laws vary from state to state, but in most cases if you cancel the purchase while your contingencies are in place, you can get your initial deposit on the property back and you don't run the risk of getting sued by the seller. But once you remove your contingencies, that all changes. The during any government shutdown, some of the requirements for getting a loan may be unavailable to you. If you have removed your contingencies, that could create real issues for you.