credit score

36 Million Americans Are Afraid to Check Their Credit Reports

This credit report phobia does not seem to afflict everyone equally. It is especially pronounced among millennials, women, and people with low income.

According to a new poll, the specter of Great Recession hardship still looms large for many Americans nearly a decade after the downturn ended, even though most negative records from that era have already fallen off people’s credit reports. Lots of people are simply too scared to see what’s on there, even if their inaction will lead to bad outcomes.

“We saw this with mortgage foreclosures, where people would not answer the phone or open their …

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bitcoin uses

Bitcoin and Its Possible Impact on Insurance

Bitcoin is a new type of currency which can be used in financial transactions without the need for a middleman.

Many technological strides have been made over the last couple of decades. Advancement in technology is becoming faster and faster as each year passes by and many technologies to improve work efficiency, communication, and even financial services are being discovered and used every day. Technology has made the world smaller in a good way; we are now able to talk to family and friends from across the globe without having to spend too much money or wait too long for …

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physician

Medical Malpractice and Wrongful Death

You can only file a wrongful death claim caused by medical malpractice if the patient dies because of the of a medical professional who was involved in the patient’s treatment.

Wrongful death is a term used when one person dies because of the negligence of another party. One major contributor to wrongful death cases is medical malpractice. As a patient, you have the right to expect proper diagnosis and treatment from medical professionals. Medical malpractice accidents can have dire consequences for the life of the patient. A wrong diagnosis leading to improper treatment or wrong prescription can cost thousands of …

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elderly travel

Travel Tips for the Elderly and Disabled

When it comes to travel, planning is the first step in a long process of getting ready for a big trip. So be sure to build in extra time for getting around.

Traveling around the world is a truly life-changing experience, which should be available to everyone. Those with limited mobility or access, and certainly those who care for them, often struggle to navigate in a world contains a lot of barriers, either by way of understanding or infrastructure.

There are a lot of moving parts (sometimes literally) to consider before taking off on an adventure. Fortunately, we’ve put together …

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save horses from fire

Horse Owners Fighting a Fire

Those who were able to corral their horses and lead them to safety found that after the fire there was nowhere for the horses to return.

The devastating fires in California burned more than 330 square miles damaging homes, displacing animals and causing loss of life.

Horse owners were fighting the fire and trying to save their animals any way they could. One woman managed to squeeze her pony into the back seat of her Honda Accord.

Those who were able to corral their horses and lead them to safety found that after the fire there was nowhere for the …

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identity theft

9 Steps To Protect Yourself From Identity Theft

Unfortunately, we live in a time when identity theft and fraud are running rampant. Almost every month we hear of major security breaches, with companies like Yahoo, Uber, Equifax, and Dropbox all compromised.

When these types of breaches occur, millions of usernames and passwords are hacked, often resulting in identity theft and fraud.

So what can you do to protect yourself in 2018? What steps can you take to ensure that you don’t get hacked?

We’re going to break down the how, what, and why of protecting yourself, touching on everything from your digital accounts to your bank account.

Many …

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money

Money Is Not a Source of Creation

Possibility does not come from money. It is about what you can choose and what you can do because of choices that create greater possibility.

A lot of people think of money as a tool for creating, but money is not a source of creation. You are the source of creation that creates money. Money is a lazy pile of shit. It doesn’t want to work that hard. You, on the other hand, are not a lazy pile of shit. You like to work hard because it makes you happy.

Are creation and creativity a source of money? No. Money …

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dog walking

20 Business Ideas for Young Entrepreneurs

For young entrepreneurs, nowadays the sky is the limit. Discipline, self-motivation and hard work are some of the key qualities to master if you want your business idea to succeed.

Entrepreneurship has taken a new form in the past couple of decades. Modern technology, the widespread use of the internet, and gadgets galore have made it possible for anyone to come up with a business idea and try it for themselves be it online or offline.

For young entrepreneurs, nowadays the sky is the limit. Discipline, self-motivation and hard work are some of the key qualities to master if you …

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Popularity or Success: Which Brass Ring for You?

The two biggest accolades you can receive as a team leader are popularity and success. The question becomes which of the two holds the greatest leverage on you.

The two biggest accolades you can receive as a team leader are popularity and success. Unfortunately, most of us are driven more by our fears than by the promise of accolades. The two greatest fears for most leaders on point are the fear of failure and the loss of popularity within the team. Few people willingly accept the stigma associated with failure, and it is hard to fathom anyone actually wanting to …

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How Much Does That Home Renovation Project Cost?

Renovation requires careful planning, which includes budgeting, timing and a lot of contractor interviews if you want to find the right person and price.

By: Stephanie Lynch

Renovations, depending on what you want to be done, can be all over the place.  Some jobs can be in the low thousands, while some extensive jobs could be as much as your home mortgage.

If you’re thinking about any home renovation project in the future, let’s dig deep and see what the job may cost you.

What determines the cost of renovation?
It goes without saying that the more extensive the project …

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2017 Consumer Electronics Show Highlights

Although, there were many interesting exhibits at the 2017 CES, I visited only areas that might interest baby-boomer women.

From the many interesting exhibits at the 2017 CES, I selected the following products for my review:

Reliefband: Drug-free relief from nausea, retching and vomiting

This is a wearable “smartband” that uses the body’s natural neural pathways to regulate the mechanisms causing nausea, retching and vomiting.

When activated, the device emits gentle pulses to the P6 pressure point of the median nerve on underside of the wrist. These intermittent signals modulate the body’s natural neural pathways and block the sensation …

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Ten Tips to Protect Seniors from Financial Crimes

Thieves frequently target seniors for many financial crimes including burglary, robbery and personal theft. Don’t be a victim.

Sweet, trusting, kind. These are three words most people use to describe their aging parents or grandparents. But unfortunately, a growing number of people are adding the word “victim” to the list.

According to the U.S. Department of Justice’s Bureau of Justice Statistics, each year, tens of thousands of senior citizens are victimized by crimes motivated by economic gain. Thieves frequently target seniors for the crimes of burglary, robbery and personal theft, sweepstakes and telemarketing fraud, home-improvement scams and identity theft.

Experts …

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christmas gifts

Hard to Buy Holiday Gifts

There are likely some names on your list that don’t fit into a predefined group of friends or family. Here are some ideas for gifts to give this holiday season.

 
By: Amy Nicole

After writing down all the holiday shopping you need to do this holiday season, there are likely some names on your list that don’t fit into a predefined group of friends or family. Your kids’ teachers and coaches; your boss and colleagues; babysitters or nannies; mail carriers; and even your hairdresser are all people who deserve a little something extra around the holidays for making your …

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Preventing Identity Theft

You must take steps to prevent your identity from being stolen. It can take years to clear it up, so a little prevention is the answer.

By: Chris McElroy and Jennifer Tarzian

Did you know that in some states Identity Theft is not even against the law? The theft of your personal information, such as social security number, driver’s license number, credit card and bank account numbers, and mother’s maiden name must be carefully guarded.

What is Identity Theft?

It is the theft of your personal information, such as social security number, driver’s license number, credit card and bank account …

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financial stress relief

Financial Stress Caused by Debt

If you are behind in paying your bills, you can expect to hear from a debt collector. These calls can cause you a great deal of stress.

Debt Collection

If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Lawyers who collect debts on a regular basis are considered debt collectors, too.

Debt Relief Services

If you’ve maxed out your credit cards and don’t know how you’re going to pay off your debts, you may think …

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