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4 Effective Ways to Deal with Debt There are circumstances in life that will lead you to debt to take care of a need that is beyond your financial ability. Moreover, repaying the debt above your normal financial obligations can be stressful, and if not handled well, will have a negative effect on you and your family. To manage that, here are 4 ways to help you deal with debt. • Dealing with debt involves motivation as much as it does managing money. To begin with, visualize yourself debt free…

operates as a credit monitoring company, revealed that over 15 million social security numbers and other proprietary information had been exposed due to a two year security breach of their computer systems. The breach affected several millions of T-Mobile customers. T-Mobile’s CEO quickly responded with an open letter to their customers, informing them of what had happened, expressing his displeasure for the incident and his dedication to ensuring that this issue is rectified by offering…

Scams and the Elderly A scam occurs when a dishonest or deceptive person knowingly or illegally takes money away from an unsuspecting person. Financial fraud against the elderly has become so common in the United States that it is considered to be a form of elder abuse. Several states have laws to protect the victims. A study conducted by consumer digest has determined that 5 million cases of financial elder abuse occur every year. Yet only 1 in 25 cases are actually reported to law enforcement…

were linked with stolen credit information, therefore, banks have implemented an EMV Chip that can deny access to Cyberthieves using mobile devices to gain credit card information. Surprisingly, hackers have found ways to bypass these chips using methods such as card skimming, trapping, and cash skimming. For example, In the article “The Great Cyberheist” by James Verini, explains on how Albert Gonzalez, the infamous cyber thief, gained access to more than 40 million credit cards in the United…

public records about individual citizens, published in official registers such as electoral rolls Stealing bank or credit cards, identification cards, passports, authentication tokens ... typically by pickpocketing, housebreaking or mail theft Skimming information from bank or credit cards using compromised or hand-held card readers, and creating clone cards Using 'contactless' credit card readers to…

USSS- Birmingham, AL is pursing federal prosecution for Identity Theft, Access Device Fraud (credit card) and Conspiracy against Nenita BARNES, a.k.a. Nenita KEMP; Alicia STEWART, a.k.a. Alec STEWART and Deonta EVANS, a.k.a. Tay Evans. Any agency or institution which has open, pending or closed cases against BARNES, STEWART or EVANS is asked to contact SA Donald Braswell or Investigative Analyst James Wigley, at the below listed numbers or email. Any institution that has open accounts for…

Consistent with the life-cycle hypothesis, expectations about future income leads to the misuse of credit (Kish, 2006). Soman and Cheema (2002) noted that if naïve consumers have access to large amounts of credit, they are likely to infer that their lifetime income will be high, which increases their willingness to spend beyond their means. Under this scenario, consumers utilize more credit in anticipation of their income increasing, which may or may not materialize. Optimism, overconfidence in…

cause. The defendant still took the card and did not say anything about it being missing. Within an hour of taking the card it had been used and charged multiple…

In today's modern society, many people are worried about their privacy being violated yet they are ok with putting their banking information on their phones so that they have the convenience of payment with just a fingerprint. Some people also allow online retailers to make suggestions for them based off of the items that they often look at it, and if they are a frequent buyer they just might save their method of payment to that online account . Are we really concerned about our privacy or are…

My current personal goal is to continue attending Marlboro college. This is an intermediate goal since it fits in in under the rest of my life goals. Continuing to go to a college I am already attending might seem like an easy task but there are a lot of factors that play in this situation, both the ones I can and can’t control. First off, since I am not a U.S. citizen or legal resident, in order to attend college in the U.S. in general I have to have a student visa (F1). I have already taken…