Do We Have Data Breach Fatigue?

After another monumental data breach this past week from Marriott/Starwood, we were once again exposed to the real threats and realities that exist with our information held within the systems of large corporations where we spend money.  Marriott has not finished identifying duplicate information in the database, but it believes it contains information on approximately 500 million guests.  They believe for approximately 327 million of these guests, the information hacked included name, mailing address, phone number, email address, passport number, Starwood Preferred Guest account information, date of birth, and other pertinent information.  There is still no definitive information on whether or not credit card information could be decrypted by the hackers.  Class action lawsuits are already flying off the shelf. It almost seems as if once per month we are barraged with some new data breach from large companies seeing what has happened with Equifax, Yahoo!, and now Marriott recently.  Many Americans may already believe hackers have their information from ...

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Tip For Takeout Food?

Here you are stuck with yet another money dilemma.   It’s Sunday night and you’ve decided as a family to do the takeout food from a local restaurant.   Everyone has a smile on their face and now it’s just a ride to the Chinese food joint, pick up your delicious dishes, and catch your favorite TV show. You arrive at the restaurant and give them your phone number so they can call up your order.   The hostess rings up your check, takes your credit/debit card, and then slides across the receipt for you to sign with the gnarled up Bic pen that has been sitting in a container of rice.    The hostess glances down as you fill out your signature and you are hit with that line which reads TIP (or ADDITIONAL TIP).    You don’t want to feel like you’ve done something improper, so what is the right thing to do when you are faced with the decision to leave a ...

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VIDEO | Should You Tip for Take Out?

Published on Jul 4, 2012 Here you are stuck with yet another money dilemma. READ FULL STORY http://bit.ly/aNEQYQ – It’s Sunday night and you’ve decided as a family to do the takeout food from a local restaurant. Everyone has a smile on their face and now it’s just a ride to the Chinese food joint, pick up your delicious dishes, and catch your favorite TV show. You arrive at the restaurant and give them your phone number so they can call up your order. The hostess rings up your check, takes your credit/debit card, and then slides across the receipt for you to sign with the gnarled up Bic pen that has been sitting in a container of rice. The hostess glances down as you fill out your signature and you are hit with that line which reads TIP (or ADDITIONAL TIP). You don’t want to feel like you’ve done something improper, so what is the right thing to do when you are ...

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What If I Need A Cash Advance?

It is never fun being behind on paying your bills.  With more and more people living paycheck to paycheck, we often get the question, “what happens if I need money in a pinch?”   That question can spur many different responses based upon your individual financial situation, but what happens if you have to look for some sort of cash advance to hold you over until the next paycheck.   Obviously, you want to exhaust all of your options before you go for the cash advance.  We don’t recommend cashing out of retirement plans like your 401(k) as many people will when they look for cash as the taxes, penalties, and loss of compounded interest on your money could be detrimental to your long term retirement plans.  I need a Cash Advance – So, what to do? There are many companies that offer these types of programs to get a small loan between $100 and $1,500.  For example, companies like CashNetUSA are ...

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