Do You Know How Your Auto Insurance Rate Is Determined?

Many consumers believe that their driving record is one of the primary factors used to determine the premium for their auto insurance. Unfortunately, that is not true for many people. Consumer Reports conducted a two-year investigation, in which they analyzed more than two-billion car insurance price quotes from more than 700 companies in all general U.S. ZIP codes. They found that auto insurance companies are now using credit scores and other socioeconomic factors more than driving habits to determine premiums.

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Apple Pay/Android Pay (Google Wallet): Mobile Payments on the Rise

First there was Google Wallet. Then came Apple Pay. Now Google is changing its Wallet to become Android Pay.

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Secure Your Financial and Personal Information - Online and Off

Data breaches. Phishing scams. Identity Theft. Malware. Lost or stolen wallets and credit cards. These are just a few of the ways through which our personal and financial information is being attacked – online and offline. There are steps that you can take to make sure that your information is secure. Here are a few.

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This Scam Begins With A Silent Phone Call

We've all received phone calls that begin with silence. These autodialed calls can be annoying but did you know that they could lead to fraud or Identity Theft? Autodialed calls are also known as "robocalls." While many robocalls are selling products or services, some are trying to steal your financial information.

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Planning to Upgrade to Windows 10? Don't Be Scammed

Microsoft has released Windows 10, the next version of its operating system. It is available as a free upgrade for desktops, laptops, and tablets running Windows 7 and 8.1.

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Buying a New Car? Prepare for Sales Ploys That Can Cost You

Automotive advertisements hawking 2015 models and new 2016s are crowding TV and radio broadcasts and filling the pages of online and print news media. All of them have a deal for you. And you've got to act quickly to save big!

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What Everyone Needs to Know About the U.S. Government Data Breach

In June and July the U.S. Office of Personnel Management (OPM) announced two separate data breaches that the personal data of current, former, and prospective Federal employees, contractors, and family members affecting as many as 25.7 million people.

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Looking for a Used Car? Beware of Flood Damaged Cars

When you see stories of massive flooding, such as the recent flooding in Texas and Colorado, do you wonder what happens to the vehicles that were damaged?

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Charitable Giving: Why it may be good for you to do (and how to do it safely)

Did you know that helping other people is actually good for you? Charitable people are usually happier than uncharitable people, and that's a scientific fact.*

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Thinking of a Reverse Mortgage in Retirement? Facts to Consider

Have you seen or heard an ad for reverse mortgages? Did you find it interesting? In a recent study, the Consumer Financial Protection Bureau (CFPB), found that many ads discuss the benefits of reverse mortgages without mentioning the risks. They also found many ads make incomplete and inaccurate statements describing the loans. If important loan requirements were listed, they were often buried in the fine print.

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Dating Online? Beware of Scams

Their Goal Is to Steal Your Money

Millions of Americans are using online dating sites to meet people. While many people form successful relationships, unfortunately, others are victims of scammers. The scammers create fake profiles using fake or stolen images.

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Being Young; Being Bankrupt!

Are you ever in trouble with money? Ever have the feeling you can't get out of it? Well, you're not alone. Young people born between 1980 and 2000 (Millennials) are more likely to experience financial problems more often than any other age group.

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Checked Your Credit Report Recently? Four Reasons to Do It Now

The information in your credit report affects many aspects of your financial well-being. It informs your credit score, which affects your ability to borrow money and the interest rates you will pay on every loan from credit cards and auto loans to home mortgages. It can also affect the insurance rates you’ll pay or your ability to land a new job or rent a new apartment.

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Do You Check Your "Specialty" Consumer Reports Annually?

Most consumers know that they should check each of their credit reports from the big three credit reporting agencies, Experian, Equifax, and TransUnion once a year. But did you know that you should check your other consumer reports each year too?

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    • Financial Well-being


      Want to improve your credit score? Want to cut your tax bills?  Like to tear up hundred dollar bills? (You're probably doing that). How about this:  want to wake up retired and without money?  Your Financial Well-being rules your life.  We put you in charge of the rules.

       

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    • Privacy Rights

      Every worry about identity theft?  Worry about young people and the dangers of the web? Mind if I read your private emails?  Or browse through your medical records? This section takes you into the scary world of privacy, fraud and identity theft.  FoolProof gives you the information you need when it comes to identity theft and privacy issues.   

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