SAVE THE DATE! Financial Education Workshop in Sacramento

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Wed Feb 28 13:20:59 PST 2018

Financial Education Workshop

Speaker: Anita R. Johnson, Financial Psychologist

Join Us!

PAYDAY LOANS – AVOID THE DEBT TRAP!

March 14, 2018 Robertson Community Center 3525 Norwood Ave. Sacramento, CA 95838 6:00pm – 8:00pm

National Consumer Protection Week (NCPW) is a time to help people understand their consumer rights and make well-informed decisions [...]

Current by Discover

by getdebitadm @ GetDebit

Thu Sep 10 11:20:14 PDT 2015

The Current Card by Discover is a prepaid debit teen card that gives your teenager some freedom. Learn more about this great teen debit card here.

The post Current by Discover appeared first on GetDebit.

How to Treat Knee Inflammation

by @ How to of the Day

Mon Mar 19 17:00:00 PDT 2018

If your knee is red, swollen, sore, or warm to the touch, it is inflamed. Inflammation in the knee can be caused by a lot of different conditions, such as arthritis, tendinitis, bursitis, or an injury to the muscles or tendons around the knee. Once the knee is injured, inflammation begins as the knee starts to heal itself. Treating minor inflammation in the knee can usually be done at home with some general care and lifestyle changes. However, if you have ongoing or intense inflammation, you should seek out medical care.

Replace Social Security 1099 Using My Social Security Portal

by mickiedouglas @ Social Security: Information & Updates

Fri Mar 23 07:25:45 PDT 2018

Time is growing short to file your income taxes for 2017. Are you worried because you need your 1099 for Social Security benefits and you can’t find it? Worry no more. Social Security has made replacing a lost 1099 as easy as signing on to your my Social Security account. Don’t have a my Social…
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Holiday Skip-A-Pay Special

by Amy Hart @ Fort Financial Credit Union

Mon Oct 30 06:34:36 PDT 2017

Take a break from your bills with Skip-A-Pay and skip your loan payment in November or December and use the extra funds to shop, catch up on other bills, take a holiday getaway or for anything else you need. Contact us for details or complete the Skip-A-Pay request form and return it to us. Some restrictions apply. Skip-A-Pay is […]

How to Track Mileage Without an Odometer

by @ How to of the Day

Mon Mar 26 17:00:00 PDT 2018

Whether you’ve got a busted odometer or you’d just rather not have to do a lot of mental gymnastics to calculate your annual mileage for work-related tax deductions, there are a couple simple ways to find out how many miles you’re averaging. Downloading a mileage tracker app for your smartphone can take all the guesswork out of adding up your drive time by automatically ticking off the miles while you’re on the road. If you only make the occasional business trip, consider simply plotting out your route and recording the estimated distance in advance.

Consumers Union Criticizes USDA for withdrawing animal welfare standards for food labeled organic

by Michael McCauley @ Consumers Union

Mon Mar 12 15:54:41 PDT 2018

Rule requiring outdoor space was set to go into effect on May 14    WASHINGTON, D.C. – Consumers Union, the advocacy division of Consumer Reports, criticized the U.S. Department of Agriculture for being out of step with food consumers by  withdrawing its rule today requiring organic producers to abide by strong animal welfare standards.  The implementation […]

IREM Today #168 Special Guest Sue Monaghan

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Mar 06 14:10:02 PST 2018

On today’s episode we talk with Susan Monaghan, CPM, Regional Vice President for IREM for Region 1.  See what educational topics are in store for you if you attend the Region 1 Summit this June.  

Gastonia, NC Staff Sponsors Bingo Night

by Amy Hart @ Fort Financial Credit Union

Thu Sep 21 05:43:00 PDT 2017

We love supporting the communities we serve! Our Gastonia, NC branch recently sponsored the town of Stanley’s September Senior Bingo Night. Branch staff was responsible for providing dinner to the 50 seniors that participated and facilitated the Bingo night.

How to Develop Film in a Darkroom

by @ How to of the Day

Mon Mar 26 09:00:00 PDT 2018

Film photography is a great way to capture personal, unique, and long-lasting photographs. The first step in turning the captured exposures on your film camera into physical prints is developing the film. Taking the time to develop your film correctly is critical if you want your prints to turn out beautifully. To develop your film, you'll need some basic photography tools and chemicals, as well as access to a dark room.

IREM #161 Property Management News

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Jan 16 14:15:14 PST 2018

On today’s episode we talk about the ways to market your property on many different outlets of social media.  Tune in to see how a couple of problem tenants decided to kill a spider and ended up going up in smoke!  

2nd Annual Scholar Dollars Program – Enroll or Vote for a School

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Tue Feb 20 09:36:08 PST 2018

2nd Annual Scholar Dollars Program to Support K-8 Public and Charter Schools – $300,000 grant program provides funding for extracurricular activities vital to a well-rounded education

An important part of a young person’s education happens outside the classroom—in extracurricular activities like sports, music or computer lab. But California school districts, facing tight budgets, have found [...]

IREM today #163 Trends in 2018

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Jan 30 14:07:46 PST 2018

On today’s episode we talk about trends that will impact rental markets in 2018.  Listen to see how you can make the most of your clubhouse and add value to your property!  

Flash, Windows Users: It’s Time to Patch

by BrianKrebs @ Krebs on Security

Tue Mar 13 12:36:28 PDT 2018

Adobe and Microsoft each pushed critical security updates to their products today. Adobe's got a new version of Flash Player available, and Microsoft released 14 updates covering more than 75 vulnerabilities, two of which were publicly disclosed prior to today's patch release. The Microsoft updates affect all supported Windows operating systems, as well as all supported versions of Internet Explorer/Edge, Office, Sharepoint and Exchange Server. All of the critical vulnerabilities from Microsoft are in browsers and browser-related technologies, according to a post from security firm Qualys.

How to Lose Birth Control Weight

by @ How to of the Day

Fri Mar 23 09:00:00 PDT 2018

Gaining weight is a fairly common (and annoying) side effect of some methods of birth control. If you find yourself packing on the pounds after starting a new birth control routine, you might need to take some action. You can try exercising regularly and eating a balanced diet to help minimize the water weight your body may be retaining. You can also try talking to your doctor about your symptoms, or even switching to another form of birth control with fewer hormonal side effects.

ACE Elite Visa Prepaid Card

by getdebitadm @ GetDebit

Thu Sep 10 14:38:07 PDT 2015

You might have noticed one of the many ACE Cash Express local merchants in your neighborhood offering financial services and transactions. In conjunction with NetSpend Corporation, The ACE Express people bring you the ACE Elite prepaid Visa Debit card. If you tired of high interest charges on credit cards due to challenges on your credit […]

The post ACE Elite Visa Prepaid Card appeared first on GetDebit.

Money Roundup: Simple Economics Edition

by Michael @ Financial Ramblings

Tue Jun 03 19:46:00 PDT 2014

In case you haven’t heard, Mike Piper from Oblivious Investor has released another book. This time around, he and co-author Austin Frakt tackled the direct link. While the Kindle deal. And now… Here are some articles that caught my eye this past week: The Difference Between Asset and Investment via […]

IREM Today #169 Special Guest Aaron Usher

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Mar 20 14:12:41 PDT 2018

On today’s episode we talk to Aaron Usher III from Aaron Usher III Photography.  See what tips he gives to you when preparing your property for a photo shoot.  

IREM Today #164 New Logo Unveiled

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Feb 06 14:07:37 PST 2018

On today’s episode we talk about the new IREM logo that was unveiled last week.  Tune in to see what local store will be closing in Rhode Island.  

Do Married Couples Receive Their Social Security Checks On The Same Day?

by mickiedouglas @ Social Security: Information & Updates

Fri Mar 02 07:48:59 PST 2018

People are always interested to know when Social Security checks are issued each month. See our payment schedule for 2018 for dates of payment: https://www.ssa.gov/pubs/EN-05-10031-2018.pdf. We pay Social Security benefits monthly. The benefits are paid in the month following the month for which they are due. For example, you would receive your July benefit in…
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2018 Retirement Maximum Benefit

by mickiedouglas @ Social Security: Information & Updates

Mon Mar 26 07:29:54 PDT 2018

As you plan to retire, one of the most important things to know is how much you’ll receive from Social Security each month. You can use your my Social Security account to get estimates for yourself. (If you don’t have an account and need one or need to visit your account, use this link: www.ssa.gov/myaccount/.)…
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Changes In Voluntary Tax Withholding Amounts For Social Security Benefits

by mickiedouglas @ Social Security: Information & Updates

Mon Feb 26 07:53:10 PST 2018

You can have federal income tax voluntarily withheld from your Social Security check.  Many beneficiaries find that helps them manage the taxes they pay on Social Security benefits.  Previously, the set tax rates were 7%, 10%, 15% or 25%.  Because of recent changes to tax laws, two of the withholding rates have been lowered.  Currently,…
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How to Wash High Windows

by @ How to of the Day

Sat Mar 24 01:00:00 PDT 2018

Cleaning high windows can be tricky, especially if they are above a sloped area or in a hard to reach spot. High windows also tend to get very dirty, especially if they have not been wiped or washed in awhile. Though you can hire a professional to wash high windows, doing them yourself can save you money and give you the satisfaction of maintaining them on your own. By using an extendable pole on a day that is not too sunny or hot, you can have clean, streak-free windows in no time.

San Diego Sues Experian Over ID Theft Service

by BrianKrebs @ Krebs on Security

Fri Mar 23 09:31:26 PDT 2018

The City of San Diego, Calif. is suing big three consumer credit bureau Experian, alleging that a data breach first reported by KrebsOnSecurity in 2013 affected more than a quarter-million people in San Diego but that Experian never alerted affected consumers as required under California law. The lawsuit, filed by San Diego city attorney Mara Elliott, concerns a data breach at an Experian subsidiary that lasted for nine months ending in 2013. As first reported here in October 2013, a Vietnamese man named Hieu Minh Ngo ran an identity theft service online and gained access to sensitive consumer data held by Experian's subsidiary by posing as a licensed private investigator.

Illinois Senate OKs bill to make security freeze protection free for consumers

by Michael McCauley @ Consumers Union

Wed Mar 14 11:30:22 PDT 2018

Consumers Union calls on Governor Rauner to sign identity theft bill into law  SPRINGFIELD, IL – The Illinois Senate approved legislation today that enables Illinois residents to use security freeze protection for free to prevent identity thieves from opening new accounts or lines of credit using stolen information.  The bill has already been passed in […]

Electric Vehicle Sales Continue to Accelerate

by Jason Kuruvilla @ Consumers Union

Thu Mar 15 13:21:28 PDT 2018

2017 was another year of growth for electric vehicles. Nearly 200,000 electric vehicles were sold in the U.S. last year, up 25% from the year before, even as sales of traditional gas powered vehicles declined.  And for first time, global EV sales in 2017 crossed the 1 million mark. 2018 is already on track to […]

IREM Today #167- Local News

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Feb 27 14:11:47 PST 2018

On today’s episode we talk about new construction projects in the property management field coming to Providence.  See what new amenity we think will be the next big thing!  

Barclaycard Arrival+ Adds EMV Chip for Travel

by Michael @ Financial Ramblings

Thu May 15 06:38:48 PDT 2014

Remember when I was hunting around for a credit card with an EMV chip for use in Europe? At the time, such cards were relatively hard to come by in the American market. As a reminder, Europe has largely transitioned to so-called “chip-and-PIN” credit cards in hopes of reducing credit […]

How to Compare Handwriting Samples

by @ How to of the Day

Sun Mar 25 09:00:00 PDT 2018

Handwriting analysis is both an art and a science. Whether you want to compare handwriting samples for fun or for legal or forensic purposes, you’ll need a sharp eye. The first step is to obtain samples, which typically include a sample in question and several documents you know someone actually wrote. Examine each document individually, and look for formal, formatting, and stylistic quirks. Determine if samples share any of these subtle characteristics, and form a conclusion about the documents’ authorship based on your findings.

How to Become a Legal Permanent Resident of the United States

by @ How to of the Day

Wed Mar 21 17:00:00 PDT 2018

Becoming a legal permanent resident of the United States is a lengthy bureaucratic process. Once you determine your eligibility, you will need to find someone who can sponsor your application. Then, you and your sponsor will have to provide substantial evidence of your status, employment, or relationship. The process of becoming a legal permanent resident will generally take at least a year from the date you start filing, but successful applicants will finish the process with their Green Card, which grants permanent legal residence.

Money Roundup: Making Wealth Last Edition

by Michael @ Financial Ramblings

Mon May 19 09:03:24 PDT 2014

Did you know that 90% families with at least $5M in investable assets will exhaust that wealth within three generations? Well, it’s true. The problem, of course, is unreasonably high withdrawal rates. On top of this, the money ends up getting spread pretty thin as the family grows across generations. […]

IREM Today #155 Claribel Shavers & Sheila Roberts

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Nov 21 14:13:07 PST 2017

On today’s episode we talk with Claribel Shavers, Director of Leased Housing & Rental Services of RI Housing and Sheila Roberts, Marketing Manager about their website: Housingsearchri.org Listen for advice on what valuable resources both tenants and landlords can use through their website.  

Do You Know How Social Security Is Funded?

by mickiedouglas @ Social Security: Information & Updates

Mon Mar 05 08:39:59 PST 2018

Do you know how Social Security is funded? During your working years, you have a deduction from your wages called FICA (Federal Insurance Contribution Act). It is withheld to fund the Social Security and Medicare programs. The current rate of withholding is 7.6 %. Your employer pays an additional 7.65%. The deduction goes toward funding…
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Do Credit Cards Cause You To Spend More?

by PLPR @ GetDebit

Tue May 31 17:01:00 PDT 2016

While using credit cards can earn you some nice rewards, they also possess an unnatural ability to get you to spend much more than you otherwise would...

The post Do Credit Cards Cause You To Spend More? appeared first on GetDebit.

Connecting With Social Security

by mickiedouglas @ Social Security: Information & Updates

Fri Feb 16 07:06:49 PST 2018

Every day thousands use it to do business with Social Security. We strive to offer the kind of services that meet people’s needs. And sometimes you want fast and direct answers over the phone. We have that option. You can call us toll free at 1-800-772-1213. Social Security offers some automated services that allow people…
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Supplemental Security Income For Children After Age 18

by mickiedouglas @ Social Security: Information & Updates

Mon Feb 12 08:03:33 PST 2018

Supplemental Security Income (SSI) is a program that pays benefits to disabled people (including children) and aged who have low income and low resources. (Read this online publication for more details about the SSI program: https://www.ssa.gov/pubs/EN-05-11000.pdf). Once it has been determined that a child has a disabling condition and meets the low income and resource…
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California Retirement Savings Program Now Called CalSavers

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Fri Feb 23 12:33:11 PST 2018

California State Treasurer John Chiang announced that the Secure Choice Retirement Savings Program, which will provide retirement security to nearly 6.8 million private sector workers, has a new name: CalSavers.

“The name CalSavers truly reflects what this program is all about — providing an opportunity for millions of Californians to easily save for retirement [...]

Five Steps Toward Repairing Your Credit Score

by PLPR @ GetDebit

Sat Apr 30 17:07:00 PDT 2016

Having a good credit rating is essential to modern-day living as it determines whether or not you can rent a car, receive a loan (including a mortgage!), get an apartment lease, and sometimes even get a job – not to mention being approved for a credit card or getting an account at a banking institution. […]

The post Five Steps Toward Repairing Your Credit Score appeared first on GetDebit.

CFPB: Servicemembers should secure their identity after the Equifax data breach

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Tue Feb 13 11:52:12 PST 2018

If you were one of the many servicemembers and their families affected by the recent Equifax data breach, it is time for you to secure your identity. Thankfully, active duty servicemembers have special tools at their disposal, like active duty alerts or a security freeze, to reduce the risk of identity theft.

Tips on Credit Score Improvement

by getdebitadm @ GetDebit

Mon Sep 26 07:48:57 PDT 2016

Credit record or score is not an unfamiliar phrase in financial circle. It is the record of your financial behavior that is assessed on the basis of how good you have been in repaying loans or if you have defaulted on it. Your credit score can decide whether you will be able to obtain loans […]

The post Tips on Credit Score Improvement appeared first on GetDebit.

How to Train an Australian Shepherd

by @ How to of the Day

Tue Mar 20 01:00:00 PDT 2018

Australian shepherds are herding dogs that are popular pets. They are very intelligent dogs that thrive when thoroughly trained. To train an Australian shepherd you should focus on rewarding good behavior and reinforcing training with repetition and consistency. With some time and effort, your Australian shepherd will be a wonderfully trained companion for years to come.

How to Transfer an Image Onto Glass

by @ How to of the Day

Tue Mar 20 17:00:00 PDT 2018

Putting an image onto a glass object—such as a glass, mason jar, mirror, or window—is a way to personalize and decorate your living space. You can transfer any type of image that has been printed from a laser printer, or that you find in a book or magazine. To transfer an image onto glass, fix adhesive packing tape to the image you’d like to transfer. Soak the image and tape in warm water, then remove the paper and stick the image onto a glass object. Alternately, you can use a gel transfer medium to move the image directly on to a glass surface.

Auburn Staff Assists Humane Shelter

by Amy Hart @ Fort Financial Credit Union

Wed Jan 03 07:44:38 PST 2018

In December, staff from our Auburn branch volunteered at the DeKalb Humane Society cleaning, socializing with the animals and helping out wherever needed. Prior to going, the staff collected more than $500 in monetary donations from members and pet supplies for the shelter animals. Great job Auburn branch!      

New Medicare Card Mailing Schedule

by mickiedouglas @ Social Security: Information & Updates

Fri Feb 23 07:17:11 PST 2018

Medicare is removing the Social Security numbers from Medicare cards. Everyone who already has a Medicare card will receive a new one in the mail starting in April 2018. The mailings will be staggered. You can use the schedule below to find out when your Medicare card will be mailed. New Medicare Card Mailing Strategy…
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A List of Essential Personal Finance Questions For Achieving Guaranteed Long-Term Financial Health

by getdebitadm @ GetDebit

Tue Sep 20 08:53:02 PDT 2016

It is assumed that if you are visiting this website, you are interested in taking the necessary steps towards improving the overall health of your personal finances. Maintaining healthy finances is something many, if not all of us, struggle with at some point in our lives. Our intention is to provide you with advice that […]

The post A List of Essential Personal Finance Questions For Achieving Guaranteed Long-Term Financial Health appeared first on GetDebit.

Consumer Reports to Facebook: Notify every person who had private data compromised

by David Butler @ Consumers Union

Wed Mar 21 08:12:43 PDT 2018

Wednesday, March 21, 2018 National petition calls on Facebook to inform all users impacted by Cambridge Analytica scandal so consumers can hold FB accountable WASHINGTON, D.C. — In the wake of the Facebook-Cambridge Analytica scandal, Consumer Reports is calling on Facebook to immediately notify all users who had their private data compromised. CR is circulating […]

Look-Alike Domains and Visual Confusion

by BrianKrebs @ Krebs on Security

Thu Mar 08 08:55:13 PST 2018

How good are you at telling the difference between domain names you know and trust and imposter or look-alike domains? The answer may depend on how familiar you are with the nuances of internationalized domain names (IDNs), as well as which browser or Web application you're using. For example, how does your browser interpret the following domain? I'll give you a hint: Despite appearances, it is most certainly not the actual domain for software firm CA Technologies (formerly Computer Associates Intl Inc.), which owns the original ca.com domain name: https://www.са.com/ Go ahead and click on the link above or cut-and-paste it into a browser address bar. If you're using Google Chrome, Apple's Safari, or some recent version of Microsoft's Internet Explorer or Edge browsers, you should notice that the address converts to "xn--80a7a.com." This is called "punycode," and it allows browsers to render domains with non-Latin alphabets like Cyrillic and Ukrainian. Below is what it looks like in Edge on Windows 10; Google Chrome renders it much the same way. Notice what's in the address bar (ignore the "fake site" and "Welcome to..." text, which was added as a courtesy by the person who registered this domain):

IREM Today #170 John Marcantonio

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Mar 27 14:08:59 PDT 2018

On today’s episode we talk with John Marcantonio, Executive Director of Rhode Island Builders Association.  See what local companies will be showcased at the Rhode Island Home Show starting April 5, 2018.

Top Questions You Asked About Social Security In 2017

by mickiedouglas @ Social Security: Information & Updates

Mon Mar 19 08:08:06 PDT 2018

Many of you asked the same or similar questions about Social Security during 2017 (and continuing into 2018). I thought I would bring those topics together in one place. 1) The most frequently asked question was about the scheduling of Social Security and SSI payments. We have an easy-to-use Fact Sheet which shows for all…
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California Jump$tart Coalition – Call for Board Members

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Mon Feb 12 10:02:05 PST 2018

CALL FOR BOARD MEMBERS Your support of the California Jump$tart Coalition for Personal Financial Literacy is much appreciated. At the moment, we have nearly 3,900 individuals on our mailing lists who care about and are involved in efforts to improve the financial literacy of California’s youth. Every day we see the growing impact [...]

If You Can... You Should. So Get Started.

by Michael @ Financial Ramblings

Tue May 13 06:16:27 PDT 2014

I’ve long been a fan of the writings of Bill Bernstein. In fact, “The Four Pillars of Investing” stands as (probably) the best investing book that I’ve ever read. It’s both informative and accessible. I recommend it to all. I was thus intrigued when I saw that Bernstein had published […]

Survey: Americans Spent $1.4B on Credit Freeze Fees in Wake of Equifax Breach

by BrianKrebs @ Krebs on Security

Thu Mar 22 07:08:46 PDT 2018

Almost 20 percent of Americans froze their credit file with one or more of the big three credit bureaus in the wake of last year's data breach at Equifax, costing consumers an estimated $1.4 billion, according to a new study. The findings come as lawmakers in Congress are debating legislation that would make credit freezes free in every state. The figures, commissioned by small business loan provider Fundera and conducted by Wakefield Research, surveyed some 1,000 adults in the U.S. Respondents were asked to self-report how much they spent on the freezes; 32 percent said the freezes cost them $10 or less, but 38 percent said the total cost was $30 or more. The average cost to consumers who froze their credit after the Equifax breach was $23. A credit freeze blocks potential creditors from being able to view or "pull" your credit file, making it far more difficult for identity thieves to apply for new lines of credit in your name.

FDIC Encourages Consumers of All Ages to Set and Achieve Savings Goals

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Mon Feb 26 00:34:11 PST 2018

America Saves Week is February 26 – March 3, 2018

The Federal Deposit Insurance Corporation (FDIC) today is encouraging people to use America Saves Week as an opportunity to develop, or review their progress toward, financial goals.

FDIC Chairman Martin J. Gruenberg said, “During America Saves Week, financial institutions and their community partners collaborate [...]

IREM Today #153- Social Media

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Nov 07 14:07:42 PST 2017

On today’s episode we discuss the importance of social media presence in property management.  Tune in to see what recommendations we give when dealing with difficult online reviews for your property.  

Who and What Is Coinhive?

by BrianKrebs @ Krebs on Security

Mon Mar 26 05:12:31 PDT 2018

Multiple security firms recently identified cryptocurrency mining service Coinhive as the top malicious threat to Web users, thanks to the tendency for Coinhive's computer code to be used on hacked Web sites to steal the processing power of its visitors' devices. This post looks at how Coinhive vaulted to the top of the threat list less than a year after its debut, and explores clues about the possible identities of the individuals behind the service.

IREM Today #162 Membership Appreciation Meeting

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Jan 23 14:08:53 PST 2018

On today’s episode we talk with Chapter President, Kari Corveno about our annual Membership Appreciation Meeting.  Tune in to hear who our 2018 charity recipient is, how the chapter plans on  giving back and how you can get involved!  

DBO Student Loan Consumer Advisory

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Fri Mar 02 08:07:32 PST 2018

To protect themselves from unaffordable repayment plans and damage to their credit score, it’s important for student loan borrowers to be familiar with all of the repayment options available to them. When they are approved for a student loan, borrowers should review the loan type and know when they need to start making payments. [...]

VISA Account Updater

by admin @ Joplin Metro Credit Union

Wed Nov 15 09:50:52 PST 2017

Automatic payments just got easier We’ll help keep your card information updated When you save your Joplin Metro Credit Union Visa Credit card or Debit card for things like bill payments and online purchases, we can help update it automatically if your payment information changes. So, if your card is re-issued, you may not have […]

IREM Today # 158 Special Guest Frank Flynn

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Dec 26 14:20:08 PST 2017

On Today’s episode we talk with Attorney’s Frank Flynn and Patrick Gamelin about drugs, guns, and unwanted visitors.  Listen in to see the differences in Massachusetts and Rhode Island law as it applies to eviction cases in criminal matters.  

FTC continues to crack down on student loan scams

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Thu Mar 08 09:28:47 PST 2018

A lot of us have student loans – and some of us have trouble paying them every month. Some companies claim to resolve that issue by saying they can help you pay them down quicker, cheaper or get them forgiven altogether. Be cautious – some of these companies are running scams.

Here are some tips [...]

IREM Today # 159- Holiday Safety Tips

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Dec 26 14:14:53 PST 2017

On today’s episode we give suggestions on how to keep your property safe throughout the season.  Listen in to see what latest technology trends are beginning to make an impact on the apartment industry.  

IREM Today #165- Special Guest Co-host

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Feb 13 14:11:20 PST 2018

On today’s episode we talk with special guest co-host, Kari Corveno, CPM and Kara Nero, ARM about advances in the apartment industry with technology.  Tune in to see what advise is given to get even the smallest properties up-to-date with advancements in technology.  

New Fort Financial Online Banking

by Amy Hart @ Fort Financial Credit Union

Mon Aug 28 06:16:29 PDT 2017

We’re making improvements to our online banking system in order to bring you easier accessibility, expanded features and greater control of your finances. Beginning Monday, August 28th, the next time you go to log in to your online banking account from our homepage, you will have the option of continuing to log in to your […]

IREM Today #166- Karyn Rhodes

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Feb 20 14:06:32 PST 2018

On today’s episode we talk with Karyn Rhodes from Complete Payroll Solutions.  Listen in to see what advice she gives and what types of trends she is seeing in the HR industry.  

How to Share Folders on Dropbox

by @ How to of the Day

Sat Mar 24 17:00:00 PDT 2018

This wikiHow teaches you how to share a Dropbox folder with another person via email. Sharing a Dropbox folder with another person will allow them to view and edit the folder's contents from their own Dropbox account. You can share Dropbox files with people on both the Dropbox website and the Dropbox mobile app.

How to Dress Up Jeans

by @ How to of the Day

Tue Mar 20 09:00:00 PDT 2018

While jeans are traditionally considered casual wear, the right pair can easily be dressed up for your next Casual Friday, romantic date, or night out with friends. As long as you start with the right jeans, you can create a dressy look with the right top, shoes, and accessories.

Insurance

by admin @ Joplin Metro Credit Union

Wed Sep 27 09:19:19 PDT 2017

IREM Today #160- Winter Storm Preparation

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Jan 09 14:11:04 PST 2018

On today’s episode we talk about how to prepare your property from snow removal to establishing procedures for your property.  Tune in to find out what 2018 educational and networking  events you can attend.  

How to Search Military Records

by @ How to of the Day

Sun Mar 25 17:00:00 PDT 2018

If you want to find military records, there are several ways in which you can do so. Keep in mind that limited military records are available to the public, so specific veteran records will only be released to the veteran or their next of kin.

IRS Launches New Withholding Calculator

by mickiedouglas @ Social Security: Information & Updates

Fri Mar 09 06:35:10 PST 2018

Because of the changes to tax rates in the Tax Cuts and Jobs Act recently passed by Congress, IRS has released a new withholding calculator so workers can determine if too little or too much is being withheld in taxes. You can find the calculator at this link: https://www.irs.gov/individuals/irs-withholding-calculator. IRS released the following press release:…
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How to Change Your Name in Skype

by @ How to of the Day

Wed Mar 21 01:00:00 PDT 2018

This wikiHow teaches you how to change your Skype display name, which is the name people see when you appear in their contacts. You can change your Skype display name on the Skype website and on the mobile version of Skype, but you cannot change your Skype display name in the Skype program for Windows and Mac computers. You also can't change your Skype username without creating a new account.

Checked Your Credit Since the Equifax Hack?

by BrianKrebs @ Krebs on Security

Sun Mar 11 11:51:08 PDT 2018

A recent consumer survey suggests that half of all Americans still haven't checked their credit report since the Equifax breach last year exposed the Social Security numbers, dates of birth, addresses and other personal information on nearly 150 million people. If you're in that fifty percent, please make an effort to remedy that soon. Credit reports from the three major bureaus -- Equifax, Experian and Trans Union -- can be obtained online for free at annualcreditreport.com -- the only Web site mandated by Congress to serve each American a free credit report every year.

How to Plant in Poor Soils

by @ How to of the Day

Wed Mar 21 09:00:00 PDT 2018

Whether you want to grow flowers, trees, or vegetables, plants can add natural beauty to your yard. However, planting and growing plants may not seem so simple if your yard doesn’t have rich soil. Fortunately, there are several things you can do throughout the planting process to ensure that your plants thrive, including amending the soil with compost, planting the root ball properly, and/or choosing to plant specific plants that thrive in your particular soil type.

How to Lose Fat With Weights

by @ How to of the Day

Sat Mar 24 09:00:00 PDT 2018

If you want to get rid of stubborn body fat, adding strength training to your exercise regimen can help. To start losing fat, create a consistent weekly routine to build muscle and burn calories. One effective way to lose fat is doing compound exercises, which will work out multiple muscle groups at once. Keep in mind that to lose fat, you must ultimately burn more calories than you eat. Thus, you should also incorporate other healthy weight loss practices into your life.

How to Train an Abused Dog

by @ How to of the Day

Tue Mar 27 01:00:00 PDT 2018

Dogs who’ve suffered abuse may be withdrawn, depressed, inactive, and distrustful. While not all fearful and shy dogs have been abused, abuse can make the dog hesitant and nervous around humans. While it takes time to help a pup overcome its past, abused dogs can become loving pets if the right person comes into their life. If you’ve rescued an abused dog, then you’ll likely want to train it. Before you can train your dog, you need to take care of the dog’s health and safety so that it can learn to trust you. Then you will be able to housebreak your dog, teach it basic commands, and help it overcome its past.

15-Year-old Finds Flaw in Ledger Crypto Wallet

by BrianKrebs @ Krebs on Security

Tue Mar 20 10:19:11 PDT 2018

A 15-year-old security researcher has discovered a serious flaw in cryptocurrency hardware wallets made by Ledger, a French company whose popular products are designed to physically safeguard public and private keys used to receive or spend the user’s cryptocurrencies. Hardware wallets like those sold by Ledger are designed to protect the user's private keys from malicious software that might try to harvest those credentials from the user's computer.  The devices enable transactions via a connection to a USB port on the user's computer, but they don't reveal the private key to the PC. Yet Saleem Rashid, a 15-year-old security researcher from the United Kingdom, discovered a way to acquire the private keys from the Ledger devices. Rashid's method requires an attacker to have physical access to the device, and normally such attacks would fall under the #1 rule of security -- namely, if an attacker has physical access to your device it is not your device anymore.

Consumer Reports: Current Standards for Furniture Tip-Overs Leave Too Many Children at Risk

by David Butler @ Consumers Union

Thu Mar 22 04:27:44 PDT 2018

  Thursday, March 22, 2018   – CR calls for strong, mandatory standards to prevent child injuries, deaths – CR petition calls on furniture industry to update standards for safer dressers   WASHINGTON, D.C. — Every 17 minutes, someone in the United States is injured when furniture, a TV, or an appliance tips over.  Many of those injured are […]

Consumers Union statement on reports of self-driving Uber car, pedestrian fatality

by David Butler @ Consumers Union

Mon Mar 19 13:34:01 PDT 2018

  Monday, March 19, 2018 WASHINGTON, D.C. — Consumers Union, the advocacy division of Consumer Reports, made the following statement today following the news reports of a pedestrian fatality involving a self-driving Uber vehicle in Arizona: David Friedman, Director of Cars and Product Policy and Analysis, Consumers Union, said, “All of our thoughts and sympathies […]

JOIN AARP FOR A FREE FINANCIAL WORKSHOP IN SACRAMENTO

by Alana Golden for CAFLM @ CALIFORNIA FINANCIAL LITERACY MONTH BLOG

Tue Feb 20 14:42:37 PST 2018

Wednesday, March 7, 2018 6 p.m. to 7:30 p.m. South Natomas Community Center 2921 Truxel Road Sacramento, CA 95833

FREE workshop, “Finding Your Financial Freedom,” led by Anita Johnson, financial psychologist, entrepreneur, and founder of Money Wisdom for Women.

This interactive workshop provides practical tools and hands-on activities designed to help you arrange your [...]

How to Cope with Nicotine Withdrawal

by @ How to of the Day

Fri Mar 23 01:00:00 PDT 2018

If you have been a smoker for a while, you may experience nicotine withdrawal symptoms—intense cravings, headaches, anger, trouble sleeping, and even anxiety or depression—when you attempt to quit. These undesirable side effects of quitting may tempt you to pick the habit back up. But, if you seek support, come up with a plan to deal with triggers, and practice good self-care, the symptoms will eventually subside. Hold out and give it time— you'll get through withdrawal and be smoke-free sooner than you think!

How to Break Boards with Your Bare Hands

by @ How to of the Day

Thu Mar 22 17:00:00 PDT 2018

Learning how to break boards with your bare hands can be done right at home. Start by conditioning your hands to get them ready for striking, and make sure your board is set up properly and safely. By having confidence in your ability to break the board and following some simple strategies, you'll soon master the martial arts stunt of board-breaking.

Money Roundup: Blackberry Edition

by Michael @ Financial Ramblings

Mon May 12 06:39:21 PDT 2014

No, the title above isn’t alluding to the decreasingly popular BlackBerry smartphone. Rather, it’s referring to this story from a long-time blogging pal of mine. I couldn’t help but smile as I read it. I’m hoping that it has the effect on you. And now… Here are some articles that […]

Some Places Where You Should Use Your Credit Card Carefully

by getdebitadm @ GetDebit

Fri Sep 23 07:42:51 PDT 2016

Incidents of credit card fraud are rising day by day. Careless attitude and also ignorance of the people should be blamed for such things. If you fall prey to such fraud cases, your personal finance will definitely get derailed, at least for temporary time being. Through this article, I want to advice you not to […]

The post Some Places Where You Should Use Your Credit Card Carefully appeared first on GetDebit.

IREM Today #156- Special Guest, Holly Regoli, CPM

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Nov 28 14:16:43 PST 2017

On today’s episode we talk with Holly Regoli, CPM from Paolino Properties.  Listen to hear what new developments Holly has proposed for the future of IREM Greater Rhode Island Chapter 88.  

How to Keep Spiders Out of Your House

by @ How to of the Day

Tue Mar 27 09:00:00 PDT 2018

Finding 8-legged friends in your house can be unsettling, especially if you aren’t a fan of living around insects. You can keep spiders from burrowing and spinning webs in your home by applying natural remedies like vinegar and essential oils. Maintaining a clean, well sealed home can also prevent spiders from taking up residence in your space. With the right approach, you can keep spiders out of your home easily and effectively.

How to Wait for an Exciting Event

by @ How to of the Day

Mon Mar 26 01:00:00 PDT 2018

It’s always fun to have an event to look forward to, but it can be hard to stay patient when you have to wait for something you’re excited about. The more you focus on the future event, the more you want it to happen right away. Fortunately, if you keep a busy schedule, try new things, and focus on the present, time will go by before you know it.

How to Get a Job As a Mortuary Makeup Artist

by @ How to of the Day

Sun Mar 25 01:00:00 PDT 2018

Mortuary makeup artists apply makeup to the deceased for public viewings. This line of work is also known as “desairology.” To begin a career in mortuary makeup, you’ll need to attend Mortuary Science School or Cosmetology school. Since you must either be a licensed mortician or cosmetologist to work with dead bodies, you’ll then need to apply for and pass your state’s licensing exam. Start finding jobs by offering your services at local funeral homes and salons. At the end of the day, this job can be unusual and difficult, but it can also incredibly rewarding to bring some peace to a grieving family.

IREM Today #154- All Things Property Management

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Nov 14 14:09:29 PST 2017

On today’s episode we talk all things property management, including assistance animals, maintenance, and social media.  Learn what seven preventative measures you can take to ensure your property runs smoothly.  

Insuring a Vacant Home

by Michael @ Financial Ramblings

Thu May 08 07:23:42 PDT 2014

I’ve noted in the past that my parents are getting older and have experienced some health problems. Unfortunately, this has resulted in them having to move out of their house (my childhood home) and into assisted living. And guess what? Insurance companies don’t like empty houses. Sure, we’ve kept the […]

What Is Your Bank’s Security Banking On?

by BrianKrebs @ Krebs on Security

Tue Mar 06 13:24:17 PST 2018

A large number of banks, credit unions and other financial institutions just pushed customers onto new e-banking platforms that asked them to reset their account passwords by entering a username plus some other static identifier -- such as the first six digits of their Social Security number, or a mix of partial SSN, date of birth or surname. Here's a closer look at what may be going on (spoiler: small, regional banks and credit unions have grown far too reliant on the whims of just a few major online banking platform providers). You might think it odd that any self-respecting financial institution would seek to authenticate customers via static data like partial SSN for passwords, and you'd be justified for thinking that, too. Nobody has any business using these static identifiers for authentication because it's all for sale on most Americans quite easily and cheaply in the cybercrime underground. The Equifax breach might have "refreshed" some of those data stores for identity thieves, but most U.S. adults have had their static details on sale for years now. On Feb. 16, KrebsOnSecurity reader Brent Hoeft shared a copy of an email he'd just received from his financial institution Associated Bank, which at $30+ billion in assets happens to be Wisconsin's largest by asset size.

Consumers Union praises senator’s call for FTC investigation of airline “dynamic pricing”

by David Butler @ Consumers Union

Mon Mar 12 11:32:37 PDT 2018

Monday, March 12, 2018 WASHINGTON, D.C. — Consumers Union, the advocacy division of Consumer Reports, today applauded Sen. Chuck Schumer (NY)’s call for the Federal Trade Commission (FTC) to investigate the airline industry amid questions about the use of “dynamic pricing” and consumers’ personal online data to set the price of airfares, which Schumer termed […]

IREM Today #152- Scholarship Meeting

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Oct 31 14:07:44 PDT 2017

On today’s spooky Halloween episode we talk about the upcoming Wine Tasting Scholarship Event on November 7, 2017.  Tune in to see what committees you can join in 2018.  

Who Is Afraid of More Spams and Scams?

by BrianKrebs @ Krebs on Security

Fri Mar 16 06:55:45 PDT 2018

Security researchers who rely on data included in Web site domain name records to combat spammers and scammers will likely lose access to that information for at least six months starting at the end of May 2018, under a new proposal that seeks to bring the system in line with new European privacy laws. The result, some experts warn, will likely mean more spams and scams landing in your inbox.

Adrian Lamo, ‘Homeless Hacker’ Who Turned in Chelsea Manning, Dead at 37

by BrianKrebs @ Krebs on Security

Sun Mar 18 20:53:12 PDT 2018

Adrian Lamo, the hacker probably best known for breaking into The New York Times's network and for reporting Chelsea Manning's theft of classified documents to the FBI, was found dead in a Kansas apartment on Wednesday. Lamo was widely reviled and criticized for turning in Manning, but that chapter of his life eclipsed the profile of a complex individual who taught me quite a bit about security over the years. Adrian Lamo, in 2006. Source: Wikipedia. I first met Lamo in 2001 when I was a correspondent for Newsbytes.com, a now-defunct tech publication that was owned by The Washington Post at the time. A mutual friend introduced us over AOL Instant Messenger, explaining that Lamo had worked out a simple method allowing him to waltz into the networks of some of the world's largest media companies using nothing more than a Web browser.

IREM Today #157 Special Guest, Brett Smiley

by Krissie Danielian @ IREM® Greater Rhode Island Chapter

Tue Dec 19 14:06:10 PST 2017

On today’s episode we talk with Brett Smiley, Cheif of Staff for Gina Raimondo, about the future of Rhode Island.  Listen to hear what input he gives on the Superman building and the Pawtucket Red Sox’s future.  

Winter 2017 Newsletter

by admin @ Joplin Metro Credit Union

Fri Dec 29 08:36:37 PST 2017

Debt Consolidation Loans | Annual Meeting - April | Letter from President