Monday, December 4, 2017

Identity Theft... Same old yet very serious problem (1)

As a result of how significantly social networks have grow nowadays in America and around the world, there's also a significant increase in the number of new users (including the so called "bots" and "trolls") "ready" to go for it (even though they could lack a clear and, above all, safe idea about what they are doing) opening accounts mostly on Facebook, Twitter, Instagram, Snapchat and Whatsapp.

If you are one of those new users, Should you nal ask yourself if you are educated enough to create accounts on "trendy" social networks having in mind a clear and safe idea what they are doing? Do you really have a clear and safe idea about what you are doing? Nothing personal but I suspect you don't...

Did you know that identity theft is a cybercrime that has experienced a huge growth happening even right now and in a worst case scenario, your identity and money can be stolen leaving you virtually "inexistent" and indebted because of stuff you didn't buy? Did you know that considering how serious this crime is the FBI is explaining you what to do if your personal information has suffered a breach?

Would you care to consider the following examples of how serious the problem is?

Considering how important this subject is not only for your own safety while you are online but for your identity and above all, for your money, the idea behind these comments is suggest you a practical and concrete informational reference for your consideration in order to provide you ideas as to how healthy (if it's your plan) is to open new accounts on whatever social media platforms you think are "cool" without keeping in mind your online safe, their privacy rules and how your personal information will be "safe".

In addition, I would suggest you too to get rid of preconceived ideas as to how "cool" is to keep a bunch of accounts on whatever social media platforms you may want to belong to and become the "proud" owner of a "good online status"; even though such status exists, if you're one of the few who earned that status thanks to a serious and careful online experience and above all, if you're cautious enough to not digest stories of "successful online stars", "successful online players" (you name it) in order to avoid being the prey of common online tricks such as "Congratulations! You're the happy winner of our #1 price!", "Click on the below mentioned link and enjoy your online experience!", etc, you will be indeed a safer online participant.

The aforementioned, is one of many examples however, cybercriminals stealing online identities are really clever to trick people online by using very good social engineering traps.

I can suggest you other informational sources about identity theft on common social media platforms:

In addition, in a next comment about this key topic and its impact, I'll suggest you other informational sources about the how deceitful social engineering is and last but no least, another related topic: similar tricks on email messages where unaware users get trapped.

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Thursday, November 30, 2017

Quotes about Financial Literacy and everything it implies...

From time to time, I will propose you for your kind consideration some quotes about money and everything it implies in order to share with you that managing your personal finance doesn't necessarily mean buying whatever the stuff you like either in cash or credit card...

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Thursday, September 21, 2017

America and you... Are you healthy enough?

Let's consider the same problem not only in America but all over the world... Why do most people tend to ignore the importance of personal finance in terms of making poor decisions as to how to save, spend and invest their money?

May I have your leniency if I share with you the following modest yet critical idea? Are you knowledgeable enough (even slightly) not only to save, spend and invest but to manage your money to make your personal finance grow over the years in order to plan for future spending in education for your kids and (crude reality) your retirement and... take care of your own health when the time comes?

Would you consider a little reminder as to how critical this subject is?

Let's consider at least for a moment the following: Would you like to think (just a little bit) about your life expectancy considering your health care resources?

So... How do you feel financially in 2017?

Now... talking about your financial health... May I invite you to find out how healthy you are?

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Thursday, September 7, 2017

Financial Literacy... Still a "key" subject today? (2)

From the Cartoon Series "Fairly Odd Parents": Mr. Crocker and Timmy Turner
After a crisis that shook the entire financial system 10 years ago, here we are again with some additional arguments as to how critical Financial Literacy is.

Even though I believe that the Obama administration did something more concrete in terms of spreading information and knowledge about how to manage efficiently your money, how to spend your money wisely, how to save your money wisely, how not to get indebted, how to remain protected from bankruptcy, etc, considering that Financial Literacy can not be exactly good in America according to references I've shared with you in the previous publication, it looks like we should continue making emphasis in the nature of the problem that people in America and particularly teenagers and college students continue facing.
Considering this frame of reference, I have no doubt that there are indeed many really good online resources about how to become financially educated, however, it is also necessary to continue pointing out how young people across America have been doing in recent years in order to continue keeping in mind how serious the problem still is despite efforts that universities have been doing in providing a minimally adequate financial knowledge to students; in this regard, there's always an exception to the rule... a good example of these efforts: the University of California San Diego hosts a series of good online educational resources on its website.

So... How about if this is the bottom line here?

What do you want to do in order to get (urgently) familiar with money management? Would you pay a financial counselor a fee to learn about how to manage your money? Would you rely on relatives (assuming that they won't charge you...) wishing that they could be "familiar" with money matters that mind *only* to you and your wife - husband? Would you like to learn about money management on your own (which requires considerable commitment and discipline keeping in mind -an obvious priority- your family well being) based on many really good online informational - educational resources?
Considering that some serious efforts have been done in order to deal with the problem and continue spreading Financial Literacy as a much needed educational asset throughout the educational system, although on this blog you can find a series of online resources about various subjects, in order to offer you current resources, I'll be working on reviewing every link I've posted to confirm its availability and post some future comments about its content.

Finally, let's consider something else... Do you still think that you earn an F because of your poor financial knowledge? Don't worry; just consider how important Financial Literacy still is and be ready to take (immediate) action:

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