Tag Archives: credit cards

Criminals now asking: Your Money or Your Life?


By web gangsta | Published:

When was the last time you walked into your doctor’s office? Remember when you had to fill out that clipboard at the front desk, and they asked you for your Social Security Number?

Guess what – they don’t really need that.

But you know who does? Criminals.

Medical Billing and Coding For Dummies
Medical Billing and Coding For Dummies
Continue reading CRIMINALS NOW ASKING: YOUR MONEY OR YOUR LIFE?

These are the least secure online retail websites


By web gangsta | Published:

Web Watch has told you about how to make your online passwords harder for hackers to easily guess.

But apparently, people are still not paying attention.  Yet again, we’ve hearing news reports of leaked hacked passwords list, and “password” and “123456” are still at the top of the list of passwords being used.

How bad is this?  Maybe it all depends on which websites you’re using it on.

Passwords & Internet Addresses Journal For Dummies
Passwords & Internet Addresses Journal For Dummies

Continue reading THESE ARE THE LEAST SECURE ONLINE RETAIL WEBSITES

What is the minimum annual budget a family of four should plan?


By web gangsta | Published:

Planning a future budget is one of the most difficult activities anyone can do.

It’s easy for you to look at a single monthly or weekly paycheck and determine where that money is going to be allocated to.  So much for rent or mortgage, this much for a car payment, these utilities and credit card bills need to be paid.  Don’t forget groceries, gas, and… oh yeah, the kids need new shoes for school next week.

But looking at the bigger picture, it can be daunting to plan three, six, or even twelve months down the line as you can’t always predict what you’re going to need to pay for beyond those regular set payments such as rent or a car note.

The Budget Kit: The Common Cents Money Management Workbook
The Budget Kit:
The Common Cents Money Management Workbook

Continue reading WHAT IS THE MINIMUM ANNUAL BUDGET A FAMILY OF FOUR SHOULD PLAN?

It only takes $47,500 to be in the Top 1%


By web gangsta | Published:

Everyone loves a little bit of competition.

Keeping up with the Jones, for example, can drive one to excess consumption at the expense of your credit card payments.

But maybe you’re putting too much pressure on yourself.  Maybe, you’re a lot more rich than you think you are.

Continue reading IT ONLY TAKES $47,500 TO BE IN THE TOP 1%

Why you should have an emergency fund


By web gangsta | Published:

Lots of financial experts will tell you how important it is to have an emergency fund.

Heck, even Web Watch has told you about the plan to have $10,000 in savings before you turn 30.  And while $10,000 in the bank today may not mean as much as what it did 10 or 20 years ago, if you’re able to pull this off then you’re still doing better than the vast majority of people you hang around with.

Continue reading WHY YOU SHOULD HAVE AN EMERGENCY FUND

How do your shopping habits compare to others?


By web gangsta | Published:

Have you ever wondered how you are doing compared to others in your immediate circle?

Don’t pretend that conversation doesn’t happen between you and your significant other: “do you think they have more credit card debt than we do?” after leaving a dinner party.  “How do you think they can afford all that and we can’t?”

Well, we can answer these types of questions now, at least in Australia, where one bank has decided to post a billion credit card transaction records online for you to compare and contrast your own habits against others.

Continue reading HOW DO YOUR SHOPPING HABITS COMPARE TO OTHERS?

A Public Service Announcement from Web Watch: Stop being stupid on the Internet


By web gangsta | Published:

People do a lot of stupid things on the Internet.

Here’s one thing that you need to NOT do:

Continue reading A PUBLIC SERVICE ANNOUNCEMENT FROM WEB WATCH: STOP BEING STUPID ON THE INTERNET

Give Me Back My Five Bucks: a personal finance guide for young adults


By web gangsta | Published:

From Ramen to Riches: Building Wealth in Your 20s: Or Spending, Saving, Investing and Managing Your Money to Get Rich Slowly, but Surely
From Ramen to Riches: Building Wealth in Your 20s:
Or Spending, Saving, Investing and Managing Your Money to Get Rich Slowly, but Surely

If there’s one piece of advice that Web Watch is always trying to give to our younger acquaintances, it’s that it’s always better in the long run to save as much money as you can for the future.  A while back, we recommended to try to have $10000 in the bank by the time you’re 30 years old, and that’s still a good rule of thumb to live by (call it your “emergency fund”, it still represents about 3-to-6 months take home pay for the average young adult that financial experts recommend keeping available for emergency purposes).

And Krystal felt the same way when she found herself a 20-something with over $20,000 in debt that she decided she wanted to get rid of.  It was an albatross keeping her from future successes. Continue reading GIVE ME BACK MY FIVE BUCKS: A PERSONAL FINANCE GUIDE FOR YOUNG ADULTS