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Health Insurance Account Numbers is ONE of the items that Identity Thieves WANT from YOU.. Health insurance fraud is on the rise, and one of the biggest growth areas is identity-related health care crimes. This can jeopardize your life — not just your credit or finances, as the fraudster’s medical information can be commingled with yours, precipitating blood type changes, and eliminating certain allergies to meds or presenting new ones. The results can be catastrophic when a course of treatment is prescribed based upon incorrect information in the file. It’s time to become a data security realist. Data breach fatigue is the enemy. Every new compromise and scam is potentially crucial news for you, since it may point to weak spots in your own behaviors and ways that your data hygiene might be putting you at risk. So keep reading articles about new threats to your personal data security, and read every single email alert that you receive—though be careful of the obviously fake emails and always verify directly with the institution.

Understand the Difference between Possessions and Net Worth... While your friends and family may seem to have a fuller lifestyle because their house is bigger or their car is newer, you need to consider that it could just be a facade covering their mountains of debt. True wealth is not measured in possessions, but in assets. When the value of your assets is greater than the amount you owe on mortgages, car loans, and credit card debts, then you have a strong net worth and are truly wealthy. By trying to live a more effectively frugal lifestyle, you’ll be able to achieve true wealth, rather than just a life full of stuff. Knowledge is Power and Credit is King!

The Star Wars Cantina of cybercriminals targeting your identity, healthcare, finances and privacy today might seem like a movie you’ve seen so many times you could lip sync the entire thing. Nevertheless, cybercrime and identity-related scams change faster than trending hashtags on Twitter, and the fact is nobody knows what’s going to happen next. Who would have thought Apple’s iCloud was vulnerable (much less to ransomware)? Or eBay? Data breaches are now the third certainty in life and sooner or later, you will become a victim. Knowledge is Power and Credit is King! Stay Focused and Pay A

Another Reason You MUST Communicate... You are not the only person in your life. Chances are you’re married or in a relationship, have friends or children, or all of the above. As a result, you’re not the only person being affected by your decision to live a more frugal lifestyle. To be effective in your goal of frugality, you need to be able to listen to and understand the goals and behaviors of the other people in your life, too. Consider how effective your frugality would be if you were taking packed lunches to work and avoiding the afternoon coffee run, while your partner was going on shopping sprees during their lunch break. Instead of living a more frugal lifestyle, you’d really be saving on one end and spending on the other.

What's a Balance Transfer and Why Should You Do One?

How does a balance transfer work? Once you’ve applied and have been accepted for a new credit card, you’ll want to initiate a balance transfer from your old card to the new one and make sure not to take that new card over 30%. * You can do this either online or by calling the new card’s issuer. ** Some cards, like Chase Slate, allow you to enter your balance transfer information from your old card on the application page so it will be initiated immediately should you be approved. To transfer your balance to a new card, you’ll need your old card’s number, the bank name and the amount you’d like to transfer. Make sure to verify that the transfer went through by checking both accounts either online or by calling. *** The balance transfer can take as long as seven days to complete, so it’s important to still make payments on your old card until the statement signifies the transfer has been made. This can assist with your Credit Scores INCREASING... Knowledge is Power and Credit is King!