New developments or types of social media launch almost daily. Because such Internet-based applications or programs enable individuals and groups to connect easily and openly to share all types of information, you or your children may be putting private information at risk. Often you may not be aware just how much or what information you are sharing.
Here are just a few recent examples. In late April, Facebook, the largest social network, launched new features including Open Graph/Instant Personalization, with default settings that said yes to sharing more information with third party sites unless you opted out. Although consumer pushback forced Facebook to make some positive changes, there are still potential privacy problems. In February, Google introduced its new social networking program Buzz by enabling it by default for all Gmail users (rather than offering the option to opt in or not); Buzz then would follow everyone in the Gmail users' contact list. In June, Yahoo announced its intention to build social networking Yahoo Updates using the Yahoo email data base. Beyond such controversial participation protocols, however, much more is happening in the social web universe. Did you see where the Library of Congress is going to archive public tweets on Twitter (and the vast majority of tweets are public)? Then, there's Blippy an application that automatically shares all your credit card purchases. The list goes on.
As economic times remain tough, U.S. consumers' credit card debt hovers at about 852 billion dollars. Average household credit card debt is over $15,000. If you are struggling to manage debt, then ads like these may be tempting:
Eliminate 50 -70% of your debt legally. It's your right!
Pay off your debt for pennies on the dollar.
New government programs! Take advantage of free and easy programs for those in debt right now.
If we can't get you out of debt in 24 hours, we'll pay you $100!
Stop harassing calls from debt collectors!
What's the problem with such "offers"? They are misleading and deceptive at best. At worst, they are fraudulent, abusive and unfair. Signing up for them could leave you in worse shape financially than before. This report gives you the facts behind the claims of debt settlement companies and profiles better options for resolving debt problems.
In the spring, a homeowner’s thoughts turn naturally to home improvement. As sure as the flowers bloom, however, the thoughts of home improvement service providers—the good, the not-so-good, and the scamsters—turn to selling their services and wares to homeowners. How do you get the improvements you plan done right and at the right price? No matter the type and size of your project, from a “simple” paint job or roof repair to a home expansion, knowing how to define your project, find the appropriate financing if necessary, and locate and evaluate the appropriate products and contractors is a must. This report covers those basics step by step.
First, research your project and budget
What’s the scope of your project? The more you know about what your specific home improvement project entails, the more ably you can evaluate appropriate products and proposed services. This tip holds true for something as “simple” as interior painting and re-carpeting all the way to planning an extensive remodel or expansion to your home.
How busy are you? Very! Isn’t that right? Most of our “to do” lists are a mile long. How would you like to save time on some repetitive financial chores while increasing security and benefits? Most people have online access to their financial accounts, but many are not taking full advantage of some major benefits offered such as direct deposit, electronic bill pay and even “paperless” statements. Take a moment to see how these services might work for you.
Take advantage of direct deposit
If you’re not using direct deposit, then you’re missing out on some important benefits. With direct deposit your paycheck, social security check, retirement check, or any other recurring check is electronically deposited into your account. You don’t have to wait for the check to come in the mail or go to the credit union to deposit it. There’s no worry that the check might get lost in the mail or stolen from your mailbox. You also get your money more quickly. With direct deposit, the funds are typically available the day the deposit is made. At Educators, many payroll checks are even available up to 1 day early.
Tax time has rolled around again. Wouldn’t you like to save all you can? Some of the many changes to the federal tax code in 2009 might help you save on your taxes. Various tax deductions and tax credits are new, extended, or expanded. This month’s report takes a brief look at some of those tax deductions and credits.
Tax Deductions/Credits Available if You File Form 1040, 1040A, or 1040EZ
No matter which 1040 form you file, make sure you consider these deductions and credits.
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