Five Tips for Teaching Kids How To Give Meaningful Gifts this Holiday Season

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Maybe Christmas, he thought, doesn’t come from a store. Maybe Christmas—perhaps, means a little bit more! This, of course, is the great insight of Dr. Suess’ beloved holiday character, The Grinch. And it is an insight that we can and should develop in our children. However, this realization probably won’t happen without some effort and… Read more »

Six Ways to Better Manage Your Holiday Spending

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Americans impose undue pressure on ourselves when it comes to holiday gift-giving and other holiday season expenses like travel, parties, and special family meals. Overemphasizing gifts, especially, can add a sense of frenzy and desperation to a time that should be full of love, laughter, and making memories. The last thing you want to do… Read more »

Spear Phishing Scammers Want More From You

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“I’m calling from [pick any bank]. Someone’s been using your debit card ending in 2345 at [pick any retailer]. I’ll need to verify your Social Security number — which ends in 8190, right? — and full debit card information so we can stop this unauthorized activity…”

College test prep scams are happening

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Recently, we heard about scams targeting parents of high school students preparing for college. The scammers claim to be from The College Board – the organization responsible for the PSAT and SAT tests. They call or email you, asking for credit card numbers so they can send PSAT prep materials that the student has supposedly requested. Often the scammers have the student’s name, address and phone number – making them seem more believable. Except your student didn’t ask for materials, and it’s not this group calling.

Scammers Impersonate Government Officials

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You know those posters businesses must hang up with information about labor laws? You can get them for free from the U.S. Department of Labor. If someone tries to charge you for them, it’s a scam. And this is only one way government imposters try to trick small business owners.

Hang up on spoofed SSA calls

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If you get a call that looks like it’s from the Social Security Administration (SSA), think twice. Scammers are spoofing SSA’s 1-800 customer service number to try to get your personal information. Spoofing means that scammers can call from anywhere, but they make your caller ID show a different number – often one that looks legit. Here are few things you should know about these so-called SSA calls.

How many credit cards should I have?

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It’s a good question. And, like most good questions, it doesn’t have just one good answer. It depends on your situation and your goals. For some people, one credit card is too many. Others juggle 20 credit cards or more systematically and effectively. According to a recent survey, the average American consumer has 3.1 credit… Read more »