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Food for Thought..

Remember - making minimum monthly payments on your credit card can have a long lasting affect.

At 18% interest it will take over 7 years to pay $800 off.
At 29% interest it will take over 10 years.

Don't let your Visa bill last longer than items you purchase!

ACCESS Guard My Credit File News
Looking for a Used Car? Time to Lookout for Flood Vehicles - An ACCESS Fraud Alert
Fraud Alerts

September 30, 2022 - Anytime there is a flood, there are disreputable people looking to capitalize on it. One of the primary means that is used for this is the sale of vehicles that have been flooded out. It typically takes a while for these cars to make into circulation, but withing a couple of months it is likely to become of a problem in the aftermath of Hurricane Ian. Here is what you need to know to protect yourself.

Losing Your Home in a Natural Disaster – How to Protect Your Finances - Hurricane Ian Update
Personal Finances

September 29, 2022 – Over the years, this has been one of our most read articles so we regularly update it as natural disasters occur. The last time we published it was a littler over three years ago, for Hurricane Dorian. If you are not a Florida resident but you know someone who is, send them the link to this article. It could be a financial life saver. It is about protecting personal finances in the wake of natural disasters. 

What is the Number One Issue for the Midterm Elections? It's the Economy, Stupid!
Federal Issues

September 26, 2022 - When Bill Clinton was running for President in 1992, his chief strategist - James Carville - came up with the saying and hung it in the campaign office as one of the three messages for campaign workers to focus on leading up to the election. He was correct then, and according to the results of a new ABC/Washington Post poll, he still is.

What the Latest FED Interest Rate Hike Means for Credit Card Users
In The News

September 22, 2022 - In case you haven't been paying attention, the FED just raised interest rates again this week. The latest increase was 75 basis points. Translated into English, that amounts to three quarters of a percent. And that's bad news for anyone carrying a balance on their credit cards.

The Search Engine Results Scam that Anyone Can Fall For
Fraud Alerts

September 17, 2022 - It's being called "malverting." In plain English, malverting happens when you use a search engine and click on a result that actually diverts you to a malicious website. Hence the name. And it's a problem that is now creeping into paid advertising on all of the major search engines. And unfortunately, it's very difficult to spot these ads before you become a victim.

The Coming Collapse in Home Prices
Federal Issues

September 11, 2022 - There is a pattern to the way that people stop paying their bills when they can't afford them. Typically, the last bills that people stop paying are utilities, auto loans and home mortgages. The reason for this is simple. You need water and power to live. You need a car to get to your job, which you need to pay your bills. And you need a roof over your head. So when 20 million American households are delinquent on their utility bills, and as we reported in July, auto loan delinquencies have gone through the roof, it's fairly easy to predict what comes next.

New Phishing Scam Hides Malware in Image from James Webb Telescope
Fraud Alerts

September 8, 2022 - There is a new email phishing scam making its way around the globe. Hackers are hiding malicious computer code in an image from the James Webb telescope, and no antivirus software can stop it.

Gabby Giffords Wants Credit Card Companies to Flag Gun and Ammo Purchases - A Very Slippery Slope
Federal Issues

August 29, 2022 - Gabby Giffords gun control group is asking credit card companies to flag purchases of guns and ammunition. She wants the companies to stop classifying these purchases as sporting goods sales and enter them into a new category for weapons. From her group's tweet on the matter over the weekend, she's really proposing that credit card companies monitor these sales and then cut them off if, in their determination, the person making the purchases is buying too much of these products. That's a very slippery slope that has some serious implications for both personal and financial privacy.

20 Million Households Aren't Paying Their Utility Bills
Personal Finances

August 26, 2022 - Not many people really need any new evidence that the economy is in trouble, but the new evidence keeps on coming. Bloomberg News is now reporting that 1 in every 6 households is behind on their utility bill payments and that we can expect to start seeing utilities shut off for millions. All of this just prior to winter.

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