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Food for Thought..

Whoever controls the volume of money in our country is absolute master of all industry and commerce...

And when you realize that the entire system is very easily controlled, one way or another, by a few powerful men at the top, you will not have to be told how periods of inflation and depression originate.

James A Garfield, 20th President
Assassinated, 1881

 
ACCESS Guard My Credit File News
Household Debt Climbs as Americans Brace for Lavish Holiday Spending
Personal Finances

December 16, 2024 - American households are navigating record-breaking debt levels while simultaneously gearing up for a potentially expensive holiday shopping season. The Federal Reserve Bank of New York is reporting that American credit card debt has risen to $1.166 Trillion; an all time high. And at the same time, American families appear to be poised to add to those credit card bills with holiday spending. The growing balances, particularly in credit card debt, signal potential financial strain for many families.

Read more...
 
Using Retail Delivery Services - What You Need to Know to Save Money
Personal Finances

December 14, 2024 - It's the holiday season and between now and the end of the year, there will be lots of sales. Millions of Americans are looking for the best deal, and a large subset of those shoppers don't have any desire to walk into a brick-and-mortar store. They would much rather shop from home and have their items delivered. Fortunately, those shoppers have a lot of options to accomplish this. And not all of those options involve Amazon. Services like Shipt, Instacart, Uber Eats, and several others will be more than happy to send their shoppers into a store, shop for you and then deliver your purchases straight to your front door. But not all of these shopping services are equal, and choosing the wrong one has the potential to cause you frustration and possibly a higher price than you were counting on. 

Read more...
 
Amazon & Porch Pirates - What You Need To Know
How to Protect Yourself

December 6, 2024 - The holiday season is upon us, and millions of Americans are enjoying the convenience of online shopping. After all, who wants to fight the traffic and the crowds by going to a mall? Online shopping is not only convenient, but oftentimes the deals that are offered online are better than those that you can find in the store. But there are some downsides to it. Porch Pirates are one of the biggest.

Read more...
 
Beware of QR Code Scams This Holiday Season
Fraud Alerts

November 30, 2024 - As the holiday season approaches, the scam artists are out, targeting our wallets and personal information. This year, scam artists are increasingly turning to Quick Response (QR) codes to deceive shoppers. These seemingly innocuous codes can lead to significant financial and privacy repercussions if you scan the wrong one.

Read more...
 
Phishing Scams Target Apple Users: How to Stay Safe This Holiday Season
Fraud Alerts

November 27, 2024 - As the holiday shopping frenzy ramps up, cybercriminals are preying on iPhone users with a new wave of phishing scams designed to steal Apple ID credentials. The scams are particularly insidious, leveraging fake emails that mimic official Apple Support communications to trick users into divulging sensitive information.

Read more...
 
NYPD’s Drone Program Ignites Privacy Concerns and Fourth Amendment Debate
In The News

November 22, 2024 - The New York Police Department (NYPD) has announced an expansion of its drone program, deploying 14 new drones and introducing the "Drone as First Responder" initiative. While officials, including Mayor Eric Adams, tout the technology as a leap toward efficient policing and public safety, critics argue that it raises significant privacy issues and threatens constitutional protections under the Fourth Amendment.

Read more...
 
Six New England Banks Alert Customers to Possible Debit Card Data Breach
In The News

November 20, 2024 - Six Massachusetts-based regional banks have issued warnings to customers about potential debit card data breaches, advising them to remain vigilant and, in some cases, replacing their cards entirely. The affected banks include Eagle Bank, The Village Bank, Savers Bank, Webster Five, Watertown Savings Bank, and Main Street Bank.

Read more...
 
23andMe Faces Financial Turmoil: What It Means for Your DNA Data
In The News

November 14, 2024 - 23andMe, a leader in consumer genetics and personal genomics, is grappling with significant financial challenges that could impact its future operations and, more importantly, the privacy of its customers' genetic data. The company's recent actions and stock performance signal a turbulent period ahead, raising concerns about the fate of its vast DNA database.

Read more...
 
American Privacy Rights Act Continues to Move Forward in Congress
In The News

October 31, 2024 -The U.S. House Committee on Energy and Commerce Subcommittee on Data, Innovation and Commerce approved a revised draft of the American Privacy Rights Act (APRA) during a voice vote held on May 23, 2024. This updated draft, which included substantial changes and new provisions is continuing to move forward. The bill would establish a comprehensive federal data privacy law.

Read more...
 
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