During the Holiday Season, there are often mixed emotions. There is the joy of gathering with loved ones, some of whom you only see once or twice per year. There is also the anticipation of sharing stories, jokes, and gifts. It is a time of reflection when we look at what transpired this past year. Unfortunately, cyber-criminals also look forward…read more →
Black Friday is Here! Or is it? These days it seems like it is more of “Black Friday Month!” You see ads on TV, hear them on the radio, and get bombarded with a flood of Black Friday emails throughout November leading into the holidays. You might be asking yourself, where did “Black Friday” come from and why has it…read more →
Aside from having a “rich aunt or uncle,” so to speak, winning the Powerball jackpot is the fastest way to become a millionaire or even a billionaire! Powerball has been trending on social media and is one of the hottest topics of conversation in offices, homes, and social gatherings. Powerball is now played in 45 states, Washington DC, Puerto Rico,…read more →
There are two old sayings, the more things change, the more they remain the same and time is money! My translation for the first saying is “The ONLY thing that is constant is change!” We are in the middle of massive changes now as technology doubles every 5 years, cars drive themselves, automobiles are transitioning to electric vehicles, airports have…read more →
In 1989, The FICO SCORE was released to the world by William R. Fair and Earl Isaac, who founded a computer software company. They developed and sold their first credit system back in 1958. FICO (short for the Fair-Isaac Co.) was the first credit-risk model that provided a universal and impartial tool for evaluating consumer risk. The FICO SCORE is…read more →
The Social Security Act (SSA) was signed into law by then-President Theodore Roosevelt on August 14th, 1935. In addition to several provisions for the general welfare, the new Act created a social insurance program designed to pay retired workers aged 65 or older, a continuing income after retirement. As per www.ssa.gov, taxes were collected for the first time in January…read more →
The earliest known documentation of humans drinking coffee is in the middle of the 15th century in the Arabian Peninsula. Coffee beans were found, roasted, and brewed into a drink that Sufis used for religious purposes. It spread across their empire, extending to Africa, Egypt, Syria, and Turkey. Coffee was brought to Europe by the Ottoman Turks in the early…read more →
There are an estimated 50 million tailgaters in the USA who spend up to $12 billion a year on this very popular activity! At the NFL (National Football League) level, tailgaters spend an average of $196 per game just on food, beverages, and supplies, not including the ever-increasing game ticket cost. Something happened in New York Sports last Sunday that…read more →
Identity theft has become a serious issue here in the USA and globally! Although identity theft issues have been a common concern for several years; however, the frequency has skyrocketed the past three years! See the statistics from the National Council on Identity Theft Protection below: Losses from Identity Theft Cost Americans $5.8 billion in 2021. The FTC (Federal Trade…read more →
Interest rates have been around since the dawn of civilization! They can be traced all the way back to 3000BC. It didn’t take long for people to realize the importance of interest rates as a critical part of the borrowing and lending equation. Interest rates have changed significantly since back in the early days when a 20% rate was a…read more →
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