For many people, working from home came as an unexpected and unplanned result of the pandemic. It required hastily putting together a slapdash short-term solution so that work could get done with limited interruption. However, many companies are continuing to keep employees in a work from home environment for at least several months to come.Continue reading “Ergonomic Mistakes You May be Making with Your Home Office”
With all the uncertainties that the Corona Virus has brought, it can be hard to predict what is going to be the long-term effect on the economy. Unfortunately, if a recession does hit, it will be something beyond our control. However what we can control is how we personally respond to it and how we prepare for it. Taking precautionary measures sooner rather than later can help you protect your finances and make them recession-proof.Continue reading “Money Management Tips to Make Your Finances Recession-Proof”
Have you heard of formjacking? I’m going to go out on a limb here and say probably not. Formjacking is probably the biggest type of credit card cybertheft you’ve never heard of. It’s a relatively new form of digital information theft caused by hacker attacks on commercial websites involved in e-commerce and other activities that collect customers’ personal information.Continue reading “What is Formjacking and How Can I Protect Myself?”
Student loan debt is a very hot topic. With borrowers owing a combined total of federal student loan debt that is nearing a trillion dollars. One in five adults currently has student loan debt and we don’t see college tuition dropping in the near future.
Repaying your student loans can be daunting, especially if you have over six figures of debt, like many new college graduates.Continue reading “Student Loans and the WORST Ways to Pay them Off”
When it comes to saving money, taking advantage of compound interest is a brilliant thing. It’s often one of the easiest and simplest ways to “use your money to make money that makes money”. Compound interest can also work against you. Most revolving credit contracts – such as credit card companies – use the compound interest methodology. If you don’t pay off your balance in full you are charged interest – if you do it this again the following month you will be paying interest on not only your principal BUT also on your past accrued interest. It’s how they make their money.Continue reading “Making your Money Work for You – Compound Interest and the Rule of 72”
Over the past decade, filing for bankruptcy has become far less taboo – good, bad or indifferent it’s become far more mainstream for both businesses and individuals.
For individuals, there are 2 types of Bankruptcy – Chapter 7 and Chapter 13. With Chapter 7 you must have an insufficient income to allow you to pay at least a portion of your debts. Under Chapter 7, you either pay for or give up your property for secured debts. You surrender any nonexempt property in order to pay off as much of your other debt as possible. You keep all of your other exempt property and are forever released from any obligation to repay the remaining dischargeable debt.Continue reading “Bankruptcy 101 – Pros and Cons”
When you are in your 20’s you experience a lot of exciting changes in your life – graduating from college, starting your first job, buying your first car, getting your first apartment, etc. And of course not everyone moves at the same pace or takes the same path in life, but it is important to plan ahead and set some financial goals.
When you set financial goals, especially at a young age, it can set you up for financial freedom later on in life. It might not seem super important right now to plan 20, 30, or 40 years ahead, but doing so can give you more choices in the future. It is a great feeling knowing you are on track with your money, and now is the perfect time to start working towards financial security.Continue reading “Financial goals to Strive for by the Time You’re 30”
Data breaches can be devastating, and healthcare organizations continue to account for a significant share of reported data breaches. Why? Health care facilities carry some of the most sensitive data files, supplying hackers with the intel that has limitless potential to not only effect the health care organization that they have infiltrated, but also the patients involved in the breach.
No company is immune from a security attack or breach. Keeping patient, clinic and hospital information secure is critical, but that’s a challenge that is becoming more difficult to address as the number of attempted breaches rises. Breaches occur due to email security, lost devices, poor network security or hardware intrusion.Continue reading “How to Protect your Patient’s Data from a Security Breach”
Did you know that more than a quarter million U.S. college students spend a semester or year at foreign universities studying abroad? It has become a very popular part of the college experience with nearly every college in the country offering some sort of study abroad program. However, there is a lot to think about before your student hops on that plane to another country and culture.Continue reading “Your child is studying abroad – what you need to know”
Heading off to your first semester of college can be both an exciting and emotional time, and not just for the student! One often overlooked item is insurance. Should your college student remain on the family’s auto policy? Are their personal belongings covered if there is a fire or theft in the dorm, or they lose them? What happens if they are sick and need to see a doctor, are they covered?Continue reading “Back to School and Insurance – is your college student covered under your policies?”