Kagay 6 - Everything

You Can Now Check Your Credit Report For Free Weekly Phishing scams have gone way up in the past couple of weeks,” says Bruce McClary, spokesperson for the National Foundation for Credit Counseling.  If you inadvertently gave out any personal information to what you thought was a bank, lending company or other institution, fraudsters may be able to leverage that into opening fake credit lines in your name.  If identity theft or credit fraud is taking place, it’s very critical to act quickly before your credit score is damaged. “Being able to see that info as soon as it’s on your credit report puts you way ahead of the curve compared with only checking your report once a year,” says McClary. If you see a  mistake on your credit report , you’ll want to act right away. Contact any one of the three credit bureaus if you see something amiss so they can place a fraud alert on your accounts.  A fraud alert works similar to a credit freeze in that it requires creditors to verify your

Essential Money Moves To Make In Uncertain Times Slow your body and your mind down. Literally slow your motions, take 5 minutes to meditate, or practice grounding - feeling your feet on the floor, your body in your chair, counting your breathes. Then, as you let your money anxieties come to the surface, try to look at them without judgment. Is spending mental energy berating yourself for past decisions helpful? Could you really have known this crisis was going to happen? What would you tell a friend or your child if they told you they thought they’d never be able to get ahead? The next five money moves in this article will be examples of those small steps, but when you’re feeling overwhelmed, break things down even further. What can you do in the next 5 minutes? Those little bouts of progress will help stave off anxiety. 2. Check In On Your Emergency Fund Emergency funds are one of those core pieces of money advice that everyone manages to learn. And it’s for situations e

These Credit Cards May Come In Handy If You Are Quarantined Since the World Health Organization declared COVID-19 a public health emergency, many travelers have canceled or rescheduled upcoming trips. Others have continued to travel for various reasons—some travel simply can’t be avoided, and in any case there’s only a handful of countries that public health authorities recommend avoiding at this. Because this strain of coronavirus presents a rapidly changing situation, it’s important to know what options you have if you run into problems during your journey—whether because your travel itinerary results in an unexpected quarantine, or because you actually become sick while away from home. That’s where credit card travel protections come in—if you have the right credit card, you might have more options than you realize. Note: In this article, we focus primarily on benefits offered by Chase and American Express, since they offer the most comprehensive travel benefits. (Citibank c

Frankly, I don’t know any small business that does  not  face significant uncertainty right now. Some are completely closed because of the COVID-19 pandemic. Others remain open with a reduced staff. In the months ahead, even businesses that manage to break even could lose contracts and deplete emergency funds. However, it seems obvious that the certification wording applies particularly to certain businesses directly impacted by the pandemic shutdown measures: for example, the struggling restaurants and many retail stores around my office; on a personal level, the bowling alley my mother owns, my brother-in-law’s residential real estate agency, and my friend’s vacation travel consulting business. For many small businesses that are not directly or indirectly forced to close,  But the immediate question is this.  Could the lure of “free money” for small businesses that don’t fully meet the PPP standards backfire and get them in trouble later? Major Law Firms Point Out Legal Risks