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Introduction Image yourself in a world where you’re safe, the things you do at work are improving the future, you get time to spend with your family and relax, your bills are manageable, and things like the buses are free. If you thought a moment like this was unlikely, then you are much like the rest of the world. We, as a society, have moved from basic needs based things into a beyond basic needs and then some society. “The idea of consumption is a dominant force in most of the world’s…

The money can be loaded by transferring from your bank account via credit/debit cards or also by net banking. In most of the mobile wallets we can transfer money to people who have the same wallet, or make payments at merchants who are authorised to accept from that wallet system. The mobile wallets will help in making our payments by entering our debit/credit card information which can be done first without adding any money. This process is very fast and not time…

mortgage in which your guarantee is your house, more exactly you equity, the amount between the value of your house and the amount of credit on it. It is most advised to be taken on long term so your interest rate will be lower and you would also have lower monthly payments. To be able to get the lowest rate equity home loan you have to fulfill some terms. Your credit…

begins to open its mind to new ideas and concepts, the idea of a cashless society has sprung up. There are many perks to such a society, the idea of no longer being hassled by cash is appealing to many, and for these reasons. Payment cards, such as credit and debit cards, allow more consumer freedom. The production and circulation of paper bills adds more to consumer bills in terms of marginal fees, which nobody wants to pay. Also, payment cards are safer for consumers opposed to cash.…

BankID [11] allows users to log in into different merchants by using the same password and two-factor authentication. With this, it helps people to save their bank account. This is used in a web site (merchant) when it needs to securely identify its users. Overall the user need to enter their SSN (Social security number), a password, and at the end a one-time password. The central server for the bank handles the actual authentication, and this allows the user to use the same authentication…

Mortgages, car loans, student loans, and having a baby are all situations that can drive people to the overwhelming doom of debt. Debt is mostly overlooked for the simple reason that people find it normal to have certain types of debt like car and mortgage payments. Debt is sometimes very difficult to escape, especially if one does not manage money wisely. Two of the most common reasons many people get in debt is because they do not save money for unforeseen expenses, or because they tend to…

You “DO NOT” want to clear out all of your savings to purchase a home. That would be setting yourself up for failure. 2.) Make sure your building up your credit score and showing great credit worthiness. When you 're shopping for a mortgage, having good credit will make the process much easier and possibly save you thousands on interest. 3.) Visit the area during different times of the day. Research the city, here is a great website for city statistics…

In 2013, in the days prior to Black Friday, hackers stole credit card information for millions of Target customers. The hackers set their traps and planned the data’s escape course. They uploaded exfiltration malware to move stolen credit card numbers. To cover their tracks, they first moved the stolen numbers to staging points spread around the United States. The information was then moved into the hackers’ computers in Russia. The FireEye software Target had installed six months prior to…

study, conducted at Harvard Medical School ankle Cambridge health alliance, found that uninsured working age Americans have 40% higher risk of death then they're privately insured Compartes, up from as a result. Nearly 20% of the US consumers with credit records 42.9…

social media sites they not only threaten our individual privacy but also comprise our security in the real world and cyber world by signaling burglar’s when our homes our vacant and becoming victims to hackers by either financial hardship through credit card fraud or public embarrassment through sharing of an unwanted conversation or photo. This is why we need to be aware of our privacy and what information we allow others to view and always to think twice before posting because we never know…