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It's Time to Consider Health Plan Re-Enrollments & Savings for 2016

The end of the year marks the time to enroll, re-enroll, or make changes to your health-care plans for the coming year. Take time now to consider what you and your family need for 2016. It can help you get the best coverage and benefits while saving money where possible.

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When You Give, Stay Alert for Crowdsourcing Scams

In recent years, crowdfunding has become a popular way to raise money for a variety of creative projects, new business ventures, and charitable causes. In crowdfunding, individuals or businesses typically use an online crowdfunding platform to seek small sums of money from a large number of people.

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Secure Your Financial and Personal Information — Online and Off

Data breaches. Phishing scams. Identity Theft. Malware. Lost or stolen wallets and credit cards. These are just a few of the ways through which our personal and financial information is being attacked — online and offline. There are steps that you can take to make sure that your information is secure. Here are a few.

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Buying a New Car? Prepare for Sales Ploys That Can Cost You

Automotive advertisements hawking 2015 models and new 2016s are crowding TV and radio broadcasts and filling the pages of online and print news media. All of them have a deal for you. And you've got to act quickly to save big!

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Thinking of a Reverse Mortgage in Retirement? Facts to Consider

Have you seen or heard an ad for reverse mortgages? Did you find it interesting? In a recent study, the Consumer Financial Protection Bureau (CFPB), found that many ads discuss the benefits of reverse mortgages without mentioning the risks.

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Checked Your Credit Report Recently? Four Reasons to Do It Now

The information in your credit report affects many aspects of your financial well-being. It informs your credit score, which affects your ability to borrow money and the interest rates you will pay on every loan from credit cards and auto loans to home mortgages. It can also affect the insurance rates you'll pay or your ability to land a new job or rent a new apartment.

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Have Student Loan Debt? Six Tips to Pay It Off Faster

Debt from student loans for higher education is now the largest category of debt in the U.S. As of December 2014, over 43 million borrowers owed a cumulative total debt of over 1.2 trillion dollars in federal and private student loans.

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Arm Yourself Against Fraud Directed at Seniors

Some of today's most popular financial frauds tend to target older adults. Why? Like the old bank robber said, because that's where the money is. Most older adults have accumulated more assets than younger adults. They also tend to have good credit.

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Living Paycheck to Paycheck? 7 Tips for Saving More Now

If you find yourself in this situation—or close to it—it's time to pause and look for new ways to cut spending and enhance saving. Having even a small emergency fund can put you and your family on a more secure financial footing. Here are some tips to help. Some steps you can take today, others require a little more planning.

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Should Gas Prices Influence Your Next Vehicle Purchase?

Before you sign for that bigger set of wheels, however, think about—and compare—several other costs of owning a car. You could save hundreds at the pump in the short term and spend thousands more long-term.

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Three 2015 Resolutions To Enhance Your Financial Well-Being

Have you made any resolutions for 2015? Typical resolutions include ways to enhance your physical well-being, such as losing weight, getting in shape, or eating a more healthful diet. I'd like to recommend setting three goals for the new year that can enhance your financial well-being.

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About to Tap Your 401K for a Loan? Six Reasons to Think Again

Taking a 401K loan could cost you thousands in retirement savings. This reports shows you six reasons why taking a 401K loan should be a last resort.

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It's Time to Review Your Health Insurance Coverage

Taking time to review your health insurance options could help you save hundreds of dollars and possibly thousands.

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Is the Time Right to Refinance Your Home Mortgage?

This year, although many economic analysts have been predicting that interest rates will rise more sharply, that has not happened but the potential must be considered. Taking all these factors into account you may be wondering if the time is right to refinance.

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Protecting Your Money From 2013's Most Common Consumer Complaints

The best defense against problems and fraud in all consumer transactions is first to educate yourself about the subject or field and then to take your time researching options and making decisions. Information Edge provides many resources on many topics to help you get started.

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Where Are You Keeping Your Important Documents and Valuables?

We all have important documents. Many of us have items that we consider irreplaceable. Do you know where they are? Are they protected from water, fire, and other threats? This month's report looks at ways you can keep and protect your important items.

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What's the Catch? Five Popular "Offers" to Beware

Enticing offers pop up frequently online, on TV, and in stores for services or goods that you might actually use if they were legitimate. But are they? Is there a catch? If so, what is it? What are your real alternatives? This report looks at five of the most popular advertising come-ons.

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Vacation Travel Tips and Traps

Are you planning on taking a vacation this summer or some other time? Whether you plan to vacation as a family, a couple, a group of friends, or singly, these vacation travel tips can help you get the most satisfaction and value for your money and avoid popular travel traps and scams.

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Heartbleed Won't Be the Last! Tips for Staying Safe Online

In recent weeks, the Heartbleed security bug has headlined hundreds of news stories. Not only were user names, passwords, and other personal information potentially exposed, but there was little consumers could do because the vulnerability was in the security software that many Website servers used.

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How to Pay Less Tax Legally and Boost Your Savings

Everyone who pays income taxes would like to pay as little as legally possible. Most of us would also like to save more. In 2014, why not use some of the tax deductions and credits that you qualify for to help lower your tax bill? Then use the money you've freed up to maximize your savings.

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Are You Alert for New Financial Scams Targeting Older Americans?

Do you know who are now the favorite target of financial scams? Older adults in the U.S. In 2012, people 60 and older made up 26% of all fraud complaints tracked by the Federal Trade Commission (FTC), the highest of any age group. That figure's up from 10% in 2008, when it was the lowest of any adult age group.

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Start an Emergency Fund or Pay Down Credit Card Debt

This question is familiar to most consumers. It typically occurs each month when the credit card statements arrive. According to TransUnion the average credit card holder owes just over $5000. And credit cards have relatively high interest rates, currently about 13% to 15.4% APR according to

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Don't Like Being Tracked Online?

I'm sure you've heard about businesses and advertising networks tracking our online activities. Why do they do it? Primarily, the trackers want to sell you more goods and services they think you might like or they want to sell your name to a third party that will target you with ads and offers.

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All You Need To Know About Credit Card Hacks

Want to know a good thing about all the publicity on credit card hacks? You're probably paying more attention to the protection of your personal and financial information! This page gives you a lot of resources for you to use to protect yourself.

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How the Credit Card Hacks Impact You

You've heard about the hacks and theft of personal and financial information of millions of Americans, right? Data thefts seem to be happening all the time.

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Buying a Car? Rev Up Savings with a Credit Union Loan or Refi

It's the beginning of a new year. If you are thinking about buying a car or truck, new or used, it's smart to shop your financing first. The place to start is your credit union. Here's why..

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Where Are Your Charitable Gifts Really Going?

The resources in this report can help you check out a nonprofit organization (NPO) or charitable cause before you give as well as educate yourself more fully as a donor. If you take a little time to check out organizations and causes that interest you, your gift dollars can have the impact you desire.

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Buying a New Car? Sell Your Trade-In Yourself for More Money.

Would you prefer to pocket your vehicle resale profits by selling your car to an individual rather than trading it in at a dealership? If your vehicle is older, but nice, reliable and paid for, selling it yourself may make particularly good sense. Many people are looking for very affordable, but reliable transportation.

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Banking By Smartphone or Tablet? Make Sure You Do It Safely.

Many consumers use mobile devices to check balances and recent transactions, transfer money, make payments, and deposit checks. If you already use mobile banking or are planning to use it, here are some tips to help you use it safely and securely.

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Don't Let These Scams Steal Your Personal Financial Information

Thieves who want to steal your personal financial information and your money never sleep. Every day, hundreds of thousands of scam emails and phone calls target unsuspecting consumers. The following three scams are widespread right now. Here's how to identify them and how to protect yourself and family members.

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Saving for College? Consider a 529 Plan's Benefits

Saving for higher education is cheaper than borrowing for it, no matter what loan interest rates do in the future. That's true whether you are saving for a child, a grandchild, a relative, a friend or even yourself. State-administered 529 savings plans offer a number of useful benefits. Let's take a look.

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What Insurance Do You Need at Each Life Stage?

Starting Out, Building a Family, Established, Retirement

Insurance needs aren't static, however. As your life and that of your family changes over time, insurance needs also change. This reports profiles some important points and questions to consider for each important type of insurance at various life stages. We'll look at auto, health, home, life and other types of insurance.

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Are You Getting the Most for Your Vacation Dollar?

Are you already thinking about a summer vacation? Getting away from the daily grind can be refreshing and energizing. Too often, that feeling lasts only until the bills arrive. Then buyer's remorse strikes. Planning done right can be a fun treasure hunt. A little time spent exploring your options online and via phone can save you big. Here's how to do it.

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Make Contributions to an IRA Year-round

Do you only think about opening or adding to an IRA—Individual Retirement Account at tax time? If so, you should consider contributing to one, year-round. If you don't have an IRA, you can create one now. An IRA provides individuals a way to save money for retirement and save on income taxes. Having an IRA can be an important retirement savings tool no matter your age or employment status. Why not take a moment to check out these basics...

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Buying a Car? Five Traps to Avoid

Many car buyers spent as much as several thousand dollars more than they needed to on a new—or newer—set of wheels. Why? They fell into one or more of five common traps in the car buying process that I'm going to show you how to avoid.

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Buying or Refinancing a Home?

Tips for Finding the Right Mortgage

If you are in the market for a new mortgage or a refinance of your current mortgage, what do you need to know to make the best decision for your circumstances? This report offers some tips to help you review options and determine the answers right for you.

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Tired of Rising Bank Fees?

Switching Accounts is Easier Than You Think

This report provides a step-by-step plan to help you switch.

If you already have a credit union account you can switch direct deposits and automatic payments and close the other high fee account. If you are moving from another financial institution, it's easy to open a credit union account that fits your needs and make the switch.

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Make Medicare Plan Changes Until Dec. 7

What Needs Review?

If you already receive Medicare, then you need to know that the "open enrollment" period when you can make changes for 2013 began October 15 and runs to December 7, 2012.

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Reverse Mortgages

What Are the Pros, Cons, and Cautions?

If you listen to the TV pitchmen, you would think that a reverse mortgage is every older homeowner's dream. Advertising claims appear to promise a risk-free, low-cost way to get easy cash from your home without endangering your home ownership. Some even imply you won't be increasing debt.

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Are You Protecting Your Personal Financial Information?

Most identity theft and theft of financial information occur because victims didn't take simple steps to protect their personal and financial information. In this report, I give you six simple steps that can help you achieve better security.

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Prepaid Debit Cards

What Are the Pros, Cons and Alternates?

Many consumers see the cards as a convenient way to use "plastic" for regular spending without a traditional checking account debit card's potential risk of exposure of funds to fraud. However, prepaid debit cards also have significant drawbacks—they are typically loaded with fees and do not have the protection of consumer laws that apply to traditional checking account debit cards and credit cards.

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Managing Finances Online

Managing your financial accounts online is convenient, time-saving, flexible, and secure. Your credit union offers online and mobile services that can help you keep close track of your accounts and transactions, pay bills easily, and manage your money on the go. These services are also free for members. Let's take a brief look at the benefits.

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Paying Too Much for a Auto Loan? CU Refinancing Saves $$$

Have you bought a new or used car recently? Did you finance with a lender other than your credit union? If so, the chances are good that you may be paying too much for your loan. How can you know? Take a few minutes to check out refinancing opportunities at your credit union. You could save hundreds to thousands on the total cost of your loan. You may also be able to reduce the term of the loan and/or lower your payments.

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Three Keys to Managing Your Money—Do You Use Them?

What are your financial goals? Managing your money wisely can help you reach your goals.

Three powerful strategies form the foundation for success.

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Financing Home Improvements—Have You Considered These Good Options?

Spring has arrived and with it plans for home improvements. If you are looking for financing for improvements to your home, the place to go is your credit union. Your credit union may offer some or all of these options: home improvement loans, home equity loans, home equity lines of credit, and personal/signature loans.

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Is Now a Good Time to Buy a Car?

Sales surged in 2011 for car manufacturers and dealerships after several poor years. Maybe that had to do with the fact that the average car on American roads is 11.1 years old and the average SUV or pickup truck is 10.4 years old. Maybe your vehicle's best years are behind it, too, and you're thinking about buying a new car or truck? Before you hit the websites or showrooms to shop, take a moment to brush up on these pointers. Your wallet will thank you.

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Popular Credit Card Gimmicks

Which May Work & Which Usually Don't?

In this report, we examine which popular features may provide useful tools and which may be gimmicks to entice you to run a balance on a card and thus provide more profit to the card issuer.

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Are You Making Important Financial Resolutions for 2012?

Here's a question on everyone's mind: After several tough years, will the economic picture improve in 2012? Things can improve for your personal finances—and your family's—if you adopt three powerful resolutions for this new year.

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Older? Are You Alert for These Common Financial Scams?

Scammers love to target older adults. What makes older adults attractive targets? They are more likely to have "nest eggs," own their home, and have good credit. Many are trusting, good natured, and willing to believe what people tell them. Scams targeting older adults come via the telephone, email, and even the front door.

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Do You Have These Important Planning Documents in Order?

If an incapacitating illness or accident were to strike suddenly, would your family (or other designated person) know where to find important documents related to your finances, health care, and personal information and assets?

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Are You Saving for Your Kids' College? Tips for Success

Whether your child is 5 or 15, it's never too early or too late to think about saving for higher education. Higher education at colleges and universities and technical schools pays off in higher regular and lifetime earnings and lower unemployment rates for most people.

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What Do You Need to Know About Buying a House in Today's Market?

With low interest rates, home prices lower than in many years, and lots of properties to choose from, is now the right time to buy a home? It depends. The collapse of the housing market along with the resulting financial crisis has changed the home buying landscape. To buy a home in today's market requires patience, time, and finances that are in good shape.

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New or Used? What vehicle purchase is right for you?

Because the tough economic times have lingered, many people have stayed out of the car and truck market. In recent months, however, automotive sales have picked up. But car buyers are still shopping carefully. With high gas prices and other factors affecting the auto marketplace that's a good idea. Before you head to a dealership showroom, lot, or online start with the following tips.

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Vacation or Staycation—Are You Getting the Most for Your Money?

Summer is here and for many people that means it's vacation time. Even if your family economy is still as sluggish as the general economy, you don't have to forego summer fun. And even if you haven't made plans, it's not too late to get the most for your money. Here are more than 25 tips on how!

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Are Your Retirement Savings on Track?

After the Great Recession: Are Your Retirement Savings on Track? Tips for Meeting Your Goals

If your retirement benefits or savings plans have been hard hit or if you feel that you have inadequate savings, what can you do? How can you maximize the opportunities to boost and secure retirement savings? The following tips from retirement and investment experts may help you plan.

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Is Your Facebook Page in Danger of Being "Click-jacked?"

While malware attacks on unsuspecting social media users are nothing new, a "click-jacking" worm has been popping up on Facebook recently. This hacking technique could potentially cause major damage to users' PCs and mobile devices and may result in identity theft and fraud.

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Retirement Planning? It's Never Too Early or Too Late.

Whether retirement is many years away or just a few years in the future, preparing for it is important. With many employers offering 401(k) or other defined contribution plans, instead of pensions, saving for retirement is your responsibility. No matter your age, it's never too early or too late to start. Make the following tips work for you.

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Rethinking Debt

Putting Money In Your Pocket

Want some free money? You know, some you don't have to work for? How about free money every month?

If you haven't looked at your debt—whether it's a payment on a loan or a credit card, recurring payments on your cell phone, or insurance or what you spend on groceries and house supplies each year, you're throwing away money and you're probably throwing away thousands. Like this:

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Do You Know These Tax Tips for 2011?

It's that time of the year again. Time to file your income taxes. Each year always brings changes. Being aware of the tips in this report may help you get that chore done more efficiently.

Filing deadline is April 18th.

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Are You Protecting Your Personal Information from Newer Online Risks?

Most consumers try to protect financial and personal information when online, but are you aware of newer, emerging risks and what you can do about them? Do you manage the cookies on your computer? Do you look for security indicators before using websites? Do you know about other steps you should be taking? In this month's report, I look at these and other ways to protect your financial and personal information online against both older and more recent risks.

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Spend to Save? A good idea or not?

Have you seen the ads for the various debit card savings promotions? Can programs like this make sense for you? Can they really help you reach your savings goals? This report profiles such programs to help you answer these questions and more.

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Looking for Extra Money?

Which Options Are Risky? Which Are Real?

With economic times still tough for consumers, many of us are looking for ways to acquire some extra cash or to save money on necessities we have to purchase.

Typical ways to acquire extra cash are to sell something or to find extra work. Buying goods and services at a discount helps us save on those necessities.

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Are These Social Media Practices Endangering Your Privacy and Your Kids' Privacy?

New developments or types of social media launch almost daily. Because such Internet-based applications or programs enable individuals and groups to connect easily and openly to share all types of information, you or your children may be putting private information at risk.

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Thinking About Home Improvement? What Do You Need to Know?

Tips for Saving Money and Avoiding Rip-Offs

In the fall, many homeowners thoughts turn to home improvement. In today's slow real estate market, many homeowners are also thinking of renovating rather than selling.

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Is Now a Good Time for a New Mortgage or Refinancing Your Current Mortgage?

Current mortgage interest rates in the U.S. are historically low. If you're considering buying a new home, there's a large stock of new and existing homes for sale, many at much lower prices than at the height of the real estate boom. Even with this good news, however, mortgage loan applications in July 2010 hit new lows.

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Should You Manage Your Finances Digitally?

Online Services are Quick, Convenient, and Secure

How busy are you? Very! Isn't that right? Most of our "to do" lists are a mile long.

How would you like to save time on some repetitive financial chores while increasing security and benefits?

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Considering Debt Settlement? Why That's Probably a Dangerous Idea

As economic times remain tough, U.S. consumers' credit card debt hovers at about 852 billion dollars. Average household credit card debt is over $15,000.

This report gives you the facts behind the claims of debt settlement companies and profiles better options for resolving debt problems.

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Like To Save, But Don't Know How?

Overall in 2010, we Americans are saving more money. That's one positive thing, at least, that the recession has prompted us to do. According to the latest figures from the U.S. Bureau of Economic Analysis, the savings rate is over 3% (as a percentage of disposable income). A few years ago our relative savings rate was essentially zero. So this is a great trend—a positive for personal finances that I hope everyone will continue to do even after the economy recovers.

In this report, I provide some tips that you can implement right away to jumpstart your savings.

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Improving Your Home's Energy Efficiency Can Save Money

Certain Improvements Qualify for New Federal Tax Credits

Even though the economy is showing signs of improvement, most consumers are still looking for ways to save money. Making improvements to save energy around your home may cost some money now but produce savings now and in the long-term. This month we'll look at various ways to improve the energy efficiency of your home, ranging from simple, low-cost strategies to more extensive improvements. Some improvements may qualify for tax credits and help you save even more.

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What Do You Need to Know About Buying a House in Today's Market?

Thinking of buying a new home? Today's housing market offers opportunities, pitfalls, and confusing situations. For example, home prices on average may be the most affordable they've been in twenty years, according to experts; but placing the right value on a home can be difficult, given the high rate of foreclosures on the market and other variables. Mortgage rates remain low, but loan qualification requirements have tightened. And the list of potential concerns goes on. This month, we'll look at some of the information and steps necessary for shopping and buying wisely in today's housing market.

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Job Hunting? Tips to Avoid Job Search Scams

Even though the economy has been improving, the job market is still tight. In addition, high unemployment rates has added more pressure. This stressed climate in the job market attracts scams and fraudsters seeking to take advantage of people anxious to land a job. Because so many job search activities have moved online, many of the scams also come to you online. This month's report describes some of the most popular frauds and offers tips to help you avoid these traps.

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Protecting Your Credit and Credit Score in Today's Economy

The economic fallout from the national credit crisis and recession has continued to hit hard at personal finances. Many consumers are facing tightened credit availability as they seek credit for a mortgage or car loan, for instance. Credit card companies have been lowering credit limits and closing accounts at record levels, even for customers with good credit, in an effort to recover from past losses and reduce future risk exposure.

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Using Credit Cards Wisely During Today's Tough Economy

Used wisely, credit cards enable consumers to manage cash flow and leverage their overall buying power. Today's tough economic times, however, have put pressures on financial institutions, businesses, and individual consumers. These pressures have given rise to ongoing changes in credit card account terms and rates being made by a number of card issuers. Such changes may in turn increase financial pressures on many card holders.

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What Will New Credit Card Regulations Mean for You?

Late August 2009 saw the launch of the first of the new credit card rules designed to protect consumers. They are part of the Credit Card Accountability, Responsibility and Disclosure Act of 2009, often called the Credit Card Act 2009. The remaining regulations take effect in February 2010. The goal of this legislation is to provide new protections for consumers by providing for better disclosures about credit card terms and curbing some of the worst practices of the credit card industry. Meanwhile, many credit card issuers are busy making changes to protect their interests and profits before the new rules take effect.

What do the new regulations and card issuers' actions mean for you and your use of credit and credit cards?

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Is Refinancing Right for You?

Are you tempted to refinance with interest rates at historic lows? Or are your loan payments stretching your budget? How do you know if refinancing is right for you? This month's report looks at reasons why now may be a good time to refinance your mortgage or other loans.

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Can the "Cash for Clunkers" Program Help You Buy a New Vehicle? Facts You Need to Know

There's been lots of publicity about the federal government's recently launched Car Allowance Rebate System (CARS), more popularly known as the “Cash for Clunkers" program. This $1 billion program can help consumers replace a gas guzzling vehicle with a more fuel-efficient new vehicle. It runs from July 1, 2009 until November 1, 2009 or until the money runs out if sooner. You might be able to benefit from this program if your old vehicle and prospective new vehicle meet specific requirements—and there are quite a few requirements. Here briefly are the facts you need to know to decide if the program's right for you.

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Handling Debt and Credit Problems the Smart Way

The news headlines have been telling the bad news for months: financial crisis, job losses, recession, record foreclosures. Millions of people have been affected financially by the current economic conditions. If you are facing debt or credit difficulties, how you handle matters to resolve the issues can make a big difference.

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Using Debit Cards Wisely for the Most Benefit

Debit cards, also known as check cards, offer convenience in managing personal cash flow. In just a few days, I've observed people using debit cards to pay for purchases ranging from a pack of gum, bottle of water or cup of coffee to larger purchases such as weekly groceries, a tank of gasoline, or a set of new tires.

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Saving Money on Entertainment and Shopping

Today's tough economy is affecting everyone's wallet. Most consumers are looking for places they can cut back and save. At times like this, however, you still need some entertainment. But can you afford it? And you have everyday shopping needs. What's the best way to save money? This report offers tips to help you enjoy good times and good shopping at reasonable and reduced costs.

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Avoiding "Loan" Schemes and Other "Services" Risky to Your Financial Well-being

Economic hard times such as the nation is now experiencing bring out the schemes and scams that aim to make a buck on people who may be feeling pressure financially and who are unwary.

In the last few weeks, I have seen dozens of ads and email solicitations for “opportunities" that could wreck an already stressed budget.

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What You Need to Know If You're Thinking of Buying a Foreclosure House

Have you seen ads like these?

  • Save 20-50% On Your Home
  • Buy up to 60% Below Market Value
  • Homes for Half Price!

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Dollar-Saving Tips for Budget Stretching in Tough Times

Even though prices have been falling at the gas pump, prices are still creeping up at the supermarket checkout counter and elsewhere. Every month it seems the Consumer Price Index ticks a little higher over last year. These trends tend to make most of us budget conscious.

Have you been looking for ways to save a few dollars? If so, this report's for you. This month I've searched the Web for lots of tips to help you save dollars. The savings can start to add up, the more tips you follow.

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Is Now the Right Time to Buy a Car?

It Depends!

High gas prices in the last few months have had people feeling pain at the pump and thinking about more fuel-efficient vehicles. But gas prices have moderated while the nation's economic picture has worsened. Many consumers have cut back on spending. Yet, the news is full of stories about slow sales and economic pressures on auto manufacturers and dealers. Maybe, you think, now could be a good time to get a good deal on a new or used vehicle. Yes or no?

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Opting Out for Peace and Security

Are you tired of finding your mailbox loaded with junk mail, especially unsolicited credit card, mortgage, and home equity loan offers?

Are you tired of your phone ringing with offers from telemarketers? Would you also like to do something to take your name out of circulation for various solicitations. Then read on.

Did you know that in about an hour, you can reduce the amount of junk mail and unsolicited offers in all forms that you receive? That's about the amount of time it will take you to opt-out.

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Getting the Longest Service Out of Your Vehicle Saves $$$

Take good care of your car or truck and it will give you many years of service. Extra service years can save you money long-term.

Many people are keeping their cars longer. According to a report earlier this year by the research company R. L. Polk & Co., the median age of operational passenger cars in 2007 was 9.2 years.

In the current economic climate, all of us are looking for ways to trim our spending.

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Credit Crisis Scams

Don't Fall for Scams Related to the Credit Crisis

The slow down in the economy, the housing bust, and the tightening of credit have forced many people into financial difficulties. Scammers are just waiting to take advantage of these situations. People who are worried about money or losing their homes make lucrative targets for these thieves. You can protect yourself by learning to recognize the facts and the scams profiled in this month's report.

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Ever Worry About Your Kids and Money?

Do you want your kids to be savvy consumers – to save money and build good credit?

We all want that. But how do you get young people to care about "boring" topics like credit and financial responsibility?

We think we've found a way. It's called FoolProof For Parents, and it's available for free right now on the Information Edge website.

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Car Buying

Take Five Steps to Save BEFORE You Shop for a New Vehicle

Yes, you read that headline correctly. If you are thinking of buying a new or used vehicle and you want to save money, we recommend first taking five steps before you even think of heading to a dealership showroom or website to shop.

When many of us feel that first itch for a new vehicle, we think first about dropping by a dealership to browse—look at a few models, lift a few hoods, check out a few prices.

Not a great idea—dealerships love to see innocent browsers pull on to the lot.

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Choosing A Credit Card

That Is Right For You...

Pre-approved credit card offers continue arriving daily in the mail in spite of the recent credit crunch. Many present temptingly low introductory or balance transfer rates. Others dangle “rewards" or “cash back" programs. Their goal: to entice you to apply for their card. If you need a credit card, what factors should you look at to make the best decision for you and your wallet?

This report helps you get past the sales hype so you can truly compare what is the best offer for you.

Read on or listen to the podcast.

Buying A Car?

Why Not Buy a Car on eBay or Another Online Auction Site?

eBay has become the gorilla of vehicles sales virtually overnight—they've facilitated over two million vehicle sales since starting their program. What's not to like about that?

A lot of things. Before you head to the eBay site even just to poke around, you have to think about a lot of things...

Find out what's right to do.

Read on.

E-mail Scams

New Twists...

Has your e-mail inbox had more spam in it lately? If so, you're not alone. In their never-ending siege on protective anti-spam filters, spammers are now using PDF (portable document format), Excel, and Word documents to try to scam you and steal your personal and financial information. And there are more new tricks. Your best defense is knowledge of their tactics. This month's report, looks at the latest scams now showing up in inboxes across the country.

Read on.

Check, Credit, Or Debit Card?

Choosing a Payment Method for Security and Convenience.

How do you pay for everyday purchases or bills? Cash? Check? Credit Card? Debit Card? If you are like most people, you use a combination of these methods—and more. The advent and growth of electronic banking has encouraged many people to move more and more from paper (cash, checks) to plastic (credit cards, debit cards). All these payment methods have roles to play in personal financial management today.

Find out what's right to do. Read on.

Social Networking Sites

It's a Matter of Safety and Privacy for You and Your Children

With the phenomenal success of sites such as MySpace and Facebook, the numbers and variety of social networking websites are exploding on the Internet. Some, such as MySpace and Facebook, attract millions of varied users and others may be targeted at fewer individuals with very specific interests. All share the objective of allowing “members" to communicate, or “network," with other members, and all require that users share some information about themselves.

Sounds like fun, but what are the dangers?

Read on.

Information Edge links to sites provided by a variety of sources. We review sites for credibility and reliability, but Information Edge, of course, can't control advertising and other links on these sites. We advise ignoring pop-up ads, links to sales of products or services, and the like.