Gotcha! Invisible Advertising Targets You (Some More)

Remember our video and articles about "Invisible" or Native Advertising a couple of months ago? You know, the move by advertisers to trick us into thinking one-sided advertising is actually balanced information? Or thinking that "sponsored" content, such as an "educational" article or entertaining video, is not advertising.

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What You Should Know About the Internet of Things & DDoS Attacks

On October 21st, many people had trouble accessing dozens of popular websites and services as a result of a distributed denial-of-service (DDoS) attack that targeted Dyn, a major Domain Name System (DNS) hosting service. In this news brief we'll address what DDoS attacks may mean to you and what you should do.

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Q&A: Rebuilding Your Credit Score After Filing For Bankruptcy

Dear Liz: How do you repair credit scores after filing for bankruptcy? My husband and I are in this situation and are looking to reestablish credit and increase our credit scores. Also, how long do closed accounts appear on the credit report?

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Credit Report Errors Can Ding Your Wallet and Life! What to Do

Errors in the information on your credit reports can hurt your financial and personal life. Errors can lower your credit score, resulting in paying higher interest rates on car loans, mortgages, and credit cards or in being turned down for a loan. Insurance companies and employers often use information based on your credit report to make decisions; erroneous information on your credit report could mean paying more for insurance or being turned down for a job. Checking your credit report regularly using www.annualcreditreport.com can help you correct errors in a timely manner.

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Don't Get Caught by This Fake IRS Tax Form Scam

There is a new scam that is sending people fake tax forms related to the Affordable Care Act. It may come by email or by mail and indicates that the recipient underreported their 2014 income as it relates to Affordable Care Act coverage and they owe additional taxes. It includes a fake CP2000 notice for tax year 2015.

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Q&A: Millennial Job Hopper

Dear Liz: I am a millennial and just started a new job at a very small company. I really like the work I do and the leaders of the company. However, I don't make enough to move out of my parents' home and be financially secure.

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Q&A: Release From Co-signing

Dear Liz: My husband and I are paying my youngest son's private student loans. My husband is paying two loans and I'm paying three. I have plans to retire next year. Should I tell the lenders after I retire and give my loans to my son to take over?

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Internet of Things: All of Your Devices Are at Risk of Scammers, Malware, ID Theft, Etc.

You already know that your home is becoming one big connected digital environment, right?

For example, you can now set room temperatures at home from work, so it is nice and toasty—or cool—when you get home. Nice!

Or how there are now refrigerators with internet capabilities. They can track when you finish your yogurt and automatically reorder your supply with your local supermarket to have it delivered right to your doorstep. Lovely!

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Q&A: Paying Off Debt In Full

Dear Liz: In January, I used financing to buy a used car, and now I have about $8,000 left to pay off. I recently received a windfall and can pay off that debt in full. Is there any reason to not go ahead and do that? This car loan is my only current debt. However, I do anticipate buying a home and thus getting a mortgage in the near future. Additionally, would paying off the car loan help lower my auto insurance payment?

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Q&A: Buying a Franchise

Dear Liz: My wife has an MBA and essentially has been a homemaker due to having a disabled child. She would like to go back to work and has asked me to co-sign a $1.5 million loan to buy a franchise. In addition, she would like to use all the savings we have—$140,000—for a down payment. I am afraid to do this as it took over 20 years to get the emergency fund collected. She earlier suggested using my 401(k) retirement fund for this business. My fear is that she will not be able to manage this business well and I will have to add this on to my own job. The business may fail and all the money would be lost. She is so mad with me and will not talk to me again. Please help me with this.

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Beware of Two Popular Ways to Finance a Home with Poor Credit

Owning a home is the American Dream. In fact, most renters in a recent survey indicated that they’d like to buy a home. But the combination of tightened mortgage requirements after the 2008 housing crisis and the slow post-recession recovery of employment and income for many Americans has meant that many people may not qualify for a conventional mortgage. Having a spotty or poor credit history makes it hard to meet these mortgage requirements.

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What Everyone Should Do as a Result of the Yahoo Breach

Yahoo announced on September 22 that user account information associated with at least 500 million accounts was stolen in late 2014. The information stolen may include names, email address, telephone numbers, dates of birth, hashed passwords, encrypted and unencrypted security questions and answers. The ongoing investigation hasn't uncovered any evidence that unprotected passwords, payment card or bank information was included. Payment card and bank information was not stored in the affected system. Yahoo is notifying potentially affected users by email.

Yahoo has provided the following information:

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Facebook User? Be Alert for These Scams

With millions of daily users, Facebook has become an effective way for scammers to find victims. There are many scams and variations. Most are after your personal information either through phishing or malware. Some disappear for a while but return, sometimes with a new twist. Some of these scams or variants have also appeared in emails or on other sites. While a hoax typically doesn't pose a threat to your personal information, they are deceiving.  Here are some of the most prevalent scams and hoaxes.

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FoolProof's Top 238 Money Mistakes to Avoid in College

If we wanted to, we could probably come up with hundreds of ways college students throw away money. I know. I made a lot of mistakes when I was younger!

Students are heading back to college now so let's focus on some of the main reasons why college can be a financially tough time for a lot of them.

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    • Financial Well-being


      Want to improve your credit score? Want to cut your tax bills?  Like to tear up hundred dollar bills? (You're probably doing that). How about this:  want to wake up retired and without money?  Your Financial Well-being rules your life.  We put you in charge of the rules.

       

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      Every worry about identity theft?  Worry about young people and the dangers of the web? Mind if I read your private emails?  Or browse through your medical records? This section takes you into the scary world of privacy, fraud and identity theft.  FoolProof gives you the information you need when it comes to identity theft and privacy issues.   

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