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You probably love traveling. If you travel frequently, then you might consider signing up for a credit card that offers airline miles or other forms of travel credit. These cards give you points for every dollar you spend, and these points can then be redeemed for flights, baggage fees, and other costs associated with traveling.
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This one number makes all the difference to identity thieves… your social security number. When you apply for a job, the application asks for your social security number. When you apply for a bank account, they want your social security number. When you file a tax return, apply for a loan, get medical treatment, apply for government benefits, you are asked for your social security number.
As 2018 ends and 2019 begins, the housing market in the US is being affected by rising interest rates. It will be important for home buyers to consider the current state of the market when shopping for a home.
Interest rates have gone up several times in the last 12 months, and are higher than they’ve been in years. This has caused the housing market to soften a bit—buyers are hesitant to get into new mortgages that will cost them extra due to higher interest rates. This has the effect of slowing the growth of property values, which should work to the benefit of buyers.
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Last week, Washington Post reported that Marriott International disclosed a massive data breach in which hackers had access to the reservation systems of many of its hotel chains for the past four years, a breach that exposed the private details of up to 500 million people. This data breach – one of the largest in history – makes it clear that in today’s world our data and personal information is more vulnerable than ever before. Once your identity has been used fraudulently, it can take months and even years to correct it entirely. Unfortunately, credit and I.D. theft can be very difficult to “unwind”. And most people don’t realize their identity and credit have been compromised until they receive a bill from a new account that was opened by the thief or they notice their credit statements have unauthorized charges.
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