An Essential Guide to Safe Online Shopping

An Essential Guide to Safe Online Shopping

Online shopping is a fast and convenient way to buy almost any product you can think of. There are many advantages to shopping online, including lower prices, avoiding crowded stores, access to a wider selection of products, or simply to shop in the privacy of your own home. However, shopping online also includes taking some risks. This activity requires you to share personal and financial information. Some online stores make no efforts to protect your information, while others are nothing more than scams in disguise. read...
Back to Basics: How to Establish Good Credit

Back to Basics: How to Establish Good Credit

There are three primary components of a credit score: Your payment history. Do you pay your bills on time? Then you’re perfect. Late payments and collection actions seriously damage your credit. The length of your credit history. If you’ve only had credit for a couple of months, your score will be lower than if you’ve been using credit for several years, assuming everything else is equal. That’s why it’s important to get started today. Your utilization ratio. If your credit card limit is $2,000 and your balance is $1,000, your utilization ratio is 50%. Always keep your utilization below 35%. Any higher than this will result in a lower credit...
What Companies Do With Your Private Information and How to Protect It

What Companies Do With Your Private Information and How to Protect It

Are you familiar with Datalogix and Acxiom? These companies are the two giants of the personal data industry. It is estimated that this industry generates $300 billion a year by gathering and selling data, including your basic contact information, shopping habits, online behaviors, interests, or employment and earning information. Your information is gathered by some of the retailers you shop at and some of the websites you use. Organizations that collect and sell your information also include the DMV and the main credit reporting agencies. read...

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