Credit check – 100 CSKD Thu, 02 Dec 2021 22:21:16 +0000 en-US hourly 1 Credit check – 100 CSKD 32 32 Buy now, never pay: the growing concern of BNPL fraud Thu, 02 Dec 2021 18:54:18 +0000

Fraudsters are finding faster, more sophisticated ways to take advantage of the increasingly popular Buy Now Pay Later (BNPL) services, where consumers can access credit on interest-free installments. It is becoming increasingly difficult for BNPL providers to fight BNPL fraud.

BNPL’s services received a boost during the pandemic as many people faced financial hardship. BNPL has made it easier for customers to schedule payments over a set period of time, without the need for a credit check or additional fees. This allowed them to access low-value loans and continue shopping without straining their monthly budgets.

Consumer interest in BNPL is on an upward trajectory with nearly 27% more consumers using the service in 2021 compared to 2020. It is also estimated that by 2030, the BNPL’s global market will likely reach $ 3.98 trillion, increasing at a compound annual growth rate (CAGR) of 47% between 2021 and 2030. Understandably, scammers are quick to take note and look for opportunities to make money.

The BNPL provider conflict

Payment methods are the main targets of e-commerce fraud and the popularity of BNPL has opened up new avenues for fraudsters to exploit. BNPL providers are known to provide instant credit making it essential for them to get fined balance between user experience and customer protection. However, since they depend on multiple third parties for the data that feeds their own internal assessments, operations become vulnerable to abuse.

Fraudsters often look for the path of least resistance to orchestrate their attacks. As a result, they quickly take advantage of any misconfiguration of the infrastructure, lack of a credit check, loopholes in the BNPL rating code and even resort to interception of validation codes by SMS to play with them. BNPL platforms.

Fraudsters generally rely on register a new account and account recovery to manipulate BNPL providers, as frequent incidents of data breaches make it easier to manipulate these entry points.

  • Creation of a new account:

    Arkose Labs discovered that registering fake new accounts accounted for more than a third (36.3%) of attacks detected in 2021, an increase of over 70% from the end of 2020. By combining pieces of stolen customer details with fictitious data, fraudsters can create synthetic identities that are used to register fraudulent accounts on a large scale . Accessing a default line of credit with a new account gives fraudsters the ability to make multiple purchases using compromised credit card information.

  • Take over :

    Automated use Credentials stuffing, scammers try to hack real user accounts so they can take advantage of the good transaction history to hit big. According to Arkose Labs Report, connections are the main point of contact abused with an attack rate of over 37% in 2021. Fraudsters are increasingly using account buyouts to target high value and credible accounts to take out loans without intention to repay them.

Scammers also understand that BNPL suppliers only have seconds to approve purchases. They use this knowledge to make large purchases and escape with the loot, leaving behind a vendor who must pay chargebacks and other transaction costs, and a victim whose credit rating is damaged and must make an effort to restore. digital identity.

To protect their business interests and clients against potential fraud, BNPL platforms use fraud defense solutions. However, most fraud solutions add friction, which can mean additional steps for onboarding. This can cause consumers to lose patience and give up – an unwelcome proposition for BNPL providers.

Strengthen vigilance at entry and fight BNPL fraud

Instead of monitoring the business ecosystem for scammers, BNPL providers should step up their vigilance at front doors to ensure only the right users are allowed in. Having said that, they cannot simply block any suspicious user based on “trust” or “distrust” signals, such as manipulation of digital identities and changing consumer behavior have transmuted the signals to fall more and more into the gray area. Being too careful can screen out potential income-generating customers, which is detrimental to business interests.

BNPL providers need a new approach to meet this challenge. They need long-term protection, which can also make them resistant to changing attack tactics in the future, without consumers facing disruption in their digital interactions. Arkose Labs understands the dilemma facing BNPL platforms and offers a solution that goes beyond mitigation.

Fight against fraud with Arkose Labs

The Arkose Labs solution is API-based and can integrate seamlessly with the partner’s existing infrastructure. This eliminates infrastructure vulnerabilities created due to multiple interfaces with third parties for data. Arkose Labs then moves the attack surface onto its own network and challenges suspicious users. Real-time risk assessment relies on advanced machine learning models and hundreds of digital forensic parameters to inform the challenge-response mechanism, which presents an appropriate 3D challenge for users.

Good users usually don’t encounter these challenges and those who do find these challenges fun and move on with their journey unhindered. Bots and scripts, however, instantly fail these challenges. Bad human actors, who refuse to give up, face a flood of challenges that keep increasing in number and complexity, exhausting them and erasing any chance of economic return from the attack. This forces them to give up the attack and move on.

BNPL is an emerging revenue stream and if you are a vendor looking to learn more about how scammers operate and effective ways to protect your business, listen to industry experts discuss this relevant topic in the session “Fintech Fraud and the Rise of Buy Now Pay Later‘from our summit, by register here.

*** This is a Security Bloggers Network syndicated blog from Arkose Labs and written by Jamie Stone. Read the original post at:

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The integration of Microsoft Buy Now, Pay Later in Edge is very controversial Wed, 01 Dec 2021 05:26:15 +0000

Microsoft announced a new addition to the company’s Microsoft Edge web browser in mid-November. Available only in Insider versions of Edge at the time, the feature was recently rolled out in Edge 96 Stable.

Microsoft has decided to add support for a Buy Now, Pay Later service, provided by ZIP, in Edge. Services such as Zip or Afterpay offer so-called Buy Now, Pay Later (BNPL) services. Buyers can use them to get items they buy immediately and pay for those items in installments over time.

Microsoft in partnership with Zip and Edge users can use the Zip service when they make purchases between $ 35 and $ 1,000 in the browser, even if the shopping site does not support it.

Edge’s built-in BNPL is limited to repaying money owed in 4 installments over 6 weeks.

Microsoft notes that the integration improves the application process.

Applying BNPL may take a long time, you have to log in with zip every time. With BNPL in Edge, you can just link your Microsoft account to your zip account with one click and then bypass the connection from the Zip side. This can speed up the application process for you.

What Microsoft doesn’t reveal in the announcement is that Zip is only available in certain regions. According to the homepage, Zip is available in the US, UK, Australia, New Zealand, Canada, and Mexico.

How the Buy Now, Pay Later services work

The Buy Now, Pay Later services seem to be useful services at first glance. You can use them to get an item or service right away, but you don’t have to pay the full amount right away. If you’re running out of money right now, but need something right away, they may be the only option to do it unless you sell your soul to a money lender.

There are some drawbacks to using these services. Some may charge a fee each time you make payments and others may charge a monthly accounting fee. Late payment fees come into play when customers miss payments, and these can be reported and affect the line of credit.

Reception was poor

Microsoft’s own blog post on the Insider Blog has received over 110 comments at the time of writing. The majority of reviews are negative for the functionality. Some see it as unnecessary bloat that is added to the browser, others mention that Microsoft didn’t mention the $ 4 processing fee or how it benefits from the integration.

Here are some examples:

It should be an extension at best. It’s not a feature I look for in any browser. Microsoft is a multi-billion dollar company. I doubt what Zip pays you is worth the negative press it will generate. (bdpatton user)

Also created an account just to respond. I love the new Edge and have been using it since its release. Seriously, can’t stand it. Nobody needs this. BNPL is just a facilitator for people who have a problem. No one should be funding such small online purchases. This kind of functionality should certainly, 100% never be in any browser. Please don’t add to the debt problems people already have. (amsprich user)

Looks like you forgot to mention the $ 4 flat fee in the article?

On a purchase of $ 35, this represents 11% of the purchase cost spread over a month. annualized, that’s an astonishing APY of 250%. Even the most predatory credit cards cap at around 40% APY.

All you have done is just integrate predatory loans into your browser. Honestly, you should be ashamed of yourself. (JemmaScout user)

Articles, such as Microsoft Edge’s new “Buy Now, Pay Later” feature, which is the definition of bloatware on XDA developers, or Paul Thurott’s Microsoft Continues to Bog Down Edge with Unnecessary Bloat, criticize the integration of functionality.

The XDA developers point out that Zip is already available as a Chrome app and browser extension, and the Buy Now, Pay Later programs are designed to entice people to make more purchases than they otherwise would.

Closing words

What features should browsers provide? Most browser manufacturers add functionality to their browsers that could have been provided as extensions, many do so to distinguish their own browser from others. Some Edge users will find the new feature useful, others will see it as an overload or even a reason to switch to a different browser.

Now you: what do you think of the integration?


The integration of Microsoft Buy Now, Pay Later in Edge is very controversial

Article name

The integration of Microsoft Buy Now, Pay Later in Edge is very controversial

The description

Microsoft announced a new addition to the company’s Microsoft Edge web browser in mid-November. Available only in Insider versions of Edge at the time, the feature was recently rolled out in Edge 96 Stable.


Martin Brinkmann


Ghacks Technology News



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Green Bay Representative David Steffen Promotes Packer Tax Rebate | State Fri, 26 Nov 2021 01:00:00 +0000

(The Center Square) – Rep. David Steffen, R-Green Bay, said many people in Brown County like the idea of ​​a Lambeau Field tax refund. But as Packer fans, Steffen says the same people are a bit suspicious of his stadium tax plan.

Steffen, who not only represents Green Bay but previously worked for the Packers, wants to get rid of the Green Bay / Brown County professional football stadium district and allow the City of Green Bay to essentially resume its functions.

“We have developed [The Stadium District] to get through the process of the $ 300 million redevelopment project, but we really haven’t spent a lot of time considering ending that process, ”Steffen told The Center Square.

The Wisconsin legislature approved the Stadium District, a Lambeau Field sales tax of 0.5% and a ticket tax in 1999 to pay for these renovations. The sales tax ended in 2015, but the District and ticket tax continue.

Steffen wants to transfer the two to the town of Green Bay.

“The stadium district, at the end of 2015, no longer had a statutory mission. However, it still exists and still has a huge amount of excess revenue under its control, $ 81 million, which it can use for O&M expenses related to the Lambeau field, ”Steffen explained. “[The District], as part of its mission, has started to expand its approach, mission and use of dollars in recent years. And while I think the use of this money is meritorious, it is different and beyond the legislative and statutory authority granted to it. “

Steffen’s plan would not only shift tasks from the Stadium District, it would return most of that excess money to taxpayers.

“Since the taxpayers funded this, I want them to get the biggest bite of the apple,” Steffen said. “My draft contains $ 45 million of that $ 81 million that goes to taxpayers through a homeowners tax credit check. “

Steffen is clear, his plan is a rough one. He’s not just circling his proposal among Madison lawmakers, he’s also giving Brown County taxpayers a voice. Steffen has a little survey on its legislative website which asks fans what they think.

“People want to understand it,” Steffen said. “What’s going to happen to my team? What does this mean for the City of Green Bay? These are natural questions, and they go back to why I wanted to ask, ‘Okay, audience, here is my draft. Please let me know what you think, ‘. “

Steffen said taxpayers could get some of their money back and Packer fans shouldn’t worry about the team losing money.

“The Packers are now in the top five of all NFL organizations in the country,” Steffen said. “Their unencumbered cash reserves now exceed half a billion dollars. They generated, in a pandemic year without a single paid participant, $ 1.1 million per week in net profit. “

The Packers recently added to this financial data. The team is in the middle of a Sale of $ 90 million shares. This money is also intended for the modernization of the stadium.

Steffen plans to let his proposal get feedback and gauge his support on Capitol Hill before calling the idea to a vote.

The mayor of Green Bay has said he is ready to consider the proposal. Executives at Ashwaubenon, where Lambeau Field is technically located, say it’s premature to talk about the end of the Stadium District and the local tax situation.

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NW Credit Unions Offer 10 Tips for Safe Holiday Shopping Online Mon, 22 Nov 2021 19:47:56 +0000

TIGARD, Ore. (KTVZ) – It seems just a few years ago consumers were skeptical about shopping online, but today online shopping for everything from groceries to TVs has become Standard. But this carries certain risks.

The FBI Internet Crime Report shows cybercriminals were responsible for $ 4.1 billion in losses in 2020, with Commercial Email Compromise Programs (BECs) being the costliest for online shoppers. Northwestern Nonprofit Credit Unions have some important tips for your audiences.

As holiday shopping approaches, cybersecurity is – and should be – a major concern for consumers. Here are 10 tips from the Northwest Credit Union Association to protect your data and accounts:

  • Beware of online offers that sound too good to be true. This is especially important on social networks. Many times the crooks set up fake shopping sites in order to steal your personal information and money.
  • Be smart about site security. Make sure the site you are buying from has encryption that protects your information. Look at the URL, which should read HTTPS instead of HTTP only. The “S” at the end indicates that the site has secure socket labels. You’ll also see a lock to the left of the URL, which is standard for all secure sites. The Google Chrome browser reports any unsecured site, with the designation HTTPS, and sends a warning message to the user.
  • Beware of email scams with amazing deals. And watch out for claims that there is something wrong with the delivery, especially if you don’t know the sender. Never open attachments or click links included in the email unless you can verify that the sender is legitimate.
  • Avoid shopping when connected to public Wi-Fi – it is a safe way for hackers to spy on your online activity and gain access to your personal information.
  • When possible, buy with a credit card, not a debit card. Most credit cards offer $ 0 liability for account fraud, while a debit card gives shady sellers direct access to your bank account.
  • Protect your sensitive personal information. No legitimate online retailer will ever ask for your social security number. If they do, that’s a major red flag.
  • Pay close attention to the details of the transaction, such as shipping notices and tracking information. If a retailer refuses to give details about your order, such as a ship date or order status, it is likely that you will not receive the merchandise. Report charges to your credit card company to get your money back.
  • Check your accounts regularly to make sure all charges are for purchases you actually made. If you see a charge that you don’t recognize, immediately notify your credit union or your credit card company.
  • Choose strong and unique passwords for your online accounts. Never use your birthdates, addresses or other personal information or those of family members that scammers can easily find online. Combine letters, numbers and special characters to create complex passwords that are difficult to crack.
  • Report suspicious activity or file a scam complaint with the United States Federal Trade Commission and the FBI Internet Crime Complaint Center at You will contribute to your safety and that of your fellow citizens against current and future crooks.

The Northwest Credit Union Association is the trade association representing more than 175 nonprofit credit unions in Idaho, Oregon, and Washington state, along with their 8.1 million consumer members. As non-profit cooperatives, credit unions look after the financial well-being of their members. Everyone should open their eyes to a credit union. For more information, please visit:

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Kiplinger Personal Finance: A Disguise For Your Credit Card Number | Economic news Sun, 21 Nov 2021 03:30:00 +0000

You should consider multiple layers of protection.

Dream time / TNS

Protecting your credit card information from fraudsters is a multi-layered job.

It’s a good idea to check your credit report and bank statements frequently, and you can prevent someone from applying for credit on your behalf by freezing your credit records.

(When you put a credit freeze on your credit reports, new creditors can’t review them to determine if you qualify for a credit card or a loan – and in turn, lenders are unlikely to grant credit to fraudsters pretending to be you. When you need to buy credit, you can temporarily lift the freeze.)

For added protection, you may want to start disguising your real credit card number with a virtual number, especially if you plan to do most of your shopping online during the holiday season.

Most Capital One cards and some Citi cards, as well as mobile wallets from Apple, Google, and Samsung, offer this feature, which randomly generates virtual numbers linked to your credit card.

Capital One cardholders can protect online transactions by downloading and installing the Eno browser extension. When you are on a merchant’s checkout page, the extension appears, you log into your Capital One account, and Eno generates a merchant-specific virtual credit card number. (The numbers expire in five years.)

Citi members must log into their credit card account and choose to use a virtual credit card number. An update rolled out by the end of this year will allow users to generate a virtual number for multiple merchants.

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What to consider before starting a layaway plan Wed, 17 Nov 2021 23:09:41 +0000 When times get tough, layaway plans tend to thrive. This was the case during the Great Depression, when cost-conscious buyers…

When times get tough, layaway plans tend to thrive. This was the case during the Great Depression, when cost-conscious buyers needed easier ways to shop. So they bought items in installments, periodically donating money to the store until they paid the total.

The layaway fell out of favor for a time, especially when credit cards popped up in the 1950s and 1960s, but plans began to make a comeback during the Great Recession. In recent years, however, layaway plans have lost ground in favor of “buy now, pay later” programs like Affirm, Afterpay, Klarna and QuadPay. For example, earlier this year, Walmart ended its layaway plan and replaced it with Affirm.

The advantage of the buy now, pay later model is, of course, that you get the goods immediately rather than weeks or months away. But the reason a lot of people are fans of layaway is that it doesn’t mean you are in debt. You basically pay now and buy later.

If you’re considering using a layaway plan, here’s what you need to know, from how to get the most out of it to stores that still have layaway programs.

[READ: The Best Time to Buy Everything.]

What is layaway and how does it work?

Layaway plans are designed for buyers who want to make purchases but may not have all the cash on hand. Layaway is basically a payment plan, where you pay for the goods over a period of weeks or months. Instead of paying for an item after you receive it – as is often the case with credit cards and buy now, pay later – you make layaway payments before you receive your purchase.

Most people who want to buy something but don’t have the funds will wait until they have more money before making the purchase. So why use a layaway plan?

In some cases, you might be concerned that the item is no longer available by the time you have enough money. If money is tight, you might worry that you don’t have the discipline to save specifically for those purchases. This is where a layaway program can come in handy. If you pay a store $ 50 for a $ 300 giveaway, you’ll likely make sure you keep making periodic payments and end up buying the item.

If you’re running out of cash, but a store doesn’t have a layaway plan (Target, BestBuy, and Amazon don’t offer these plans, for example), you might want to see if they have a layaway plan. buy now, pay later. plan the program.

With these payment plans, you receive the goods immediately and pay in installments. Just like with a layaway plan, you usually don’t pay interest as long as you make the payments on time. If you don’t, you’ll end up spending extra money on interest.

[READ: 10 Services That Allow You to Buy Now, Pay Later.]

The pros and cons of layaway programs

The main advantages of a layaway program:

– You don’t have to pay for the purchase all at once and you can stagger the payments.

– No credit check required.

– No interest is charged.

The disadvantages of a layaway program:

– You pay according to the layaway plan schedule, not yours.

– There are usually fees, such as service, restocking and cancellation fees.

– You can get a refund if you cancel or don’t make all the payments, but the program fees, if any, are generally non-refundable.

Of course, there are other advantages and disadvantages. For example, a major benefit of using a layaway program is that you don’t have to worry about getting into deep debt.

Best of all, if you’re having trouble making payments, your credit won’t be affected, says Zachary Johnson, associate professor of decision science and marketing at the Robert B. Willumstad School of Business at Adelphi University. Layaway can be a smart idea for consumers without strong credit, he says. “It gives the consumer the option of purchasing an expensive product with weekly, bi-weekly or monthly payments. ”

Johnson says most people seem to prefer to buy now, pay later for programs that replace the layaway, but wonders if that’s a good thing in the long run.

“Research on consumers and psychology tends to suggest that delayed gratification, consistent with layaway programs or simply saving for something special, tends to promote healthier and happier psychological outcomes for consumers. “, explains Johnson.

Not that everything about layaway is great. If you have credit and money issues in general, a major downside may be the fees associated with layaway programs. A rule of thumb: The more you pay for the merchandise, the less costs matter, says David Friedman, a law professor at Willamette University who specializes in behavioral economics.

“Layaway fees at most retailers can be quite low, like $ 5 or $ 10,” says Friedman. Because of this, it would “make almost no financial sense to put a $ 100 toaster aside,” he says, explaining that an extra $ 5 or $ 10 means the toaster is really 5 to. 10% more expensive. But if you use a layaway option to buy a device with a price tag of, say, $ 2,000, Friedman says, that $ 5 or $ 10 is less than 1% of the total cost.

Keep in mind that if you cannot complete the layaway purchase, you will lose money due to the associated fees. For example, if you have to pay a non-refundable fee upfront, you won’t get them back. Additionally, you may have to pay cancellation fees and lose extra money. So while it may seem like a no-brainer to go on a layaway program, if you live paycheck to paycheck, you still risk taking a financial risk.

[See: 35 Ways to Save Money.]

Stores with layaway plans

If you’re looking for a layaway program, here are a few of the remaining stores that still have it:

– Burlington and Baby Depot in Burlington.

– Kmart and Sears.

– Punch.

– Buckle

Burlington and Baby Depot in Burlington

Both stores offer layaways year-round, but the program itself is typically a 30-day in-store layaway option. To participate, you must make a deposit of 20% or $ 10, whichever is greater. There is also a $ 5 non-refundable service charge, although in some cases promotions negate this by offering you a $ 5 gift card for in-store purchases. If you cannot make all of your payments or if you cancel the layaway order, a $ 10 cancellation fee will be charged in most states (plus tax, if applicable). Not all Burlington and Baby Depot stores offer layaway programs, but most do.

Kmart and Sears

Both stores, which are owned by the same company, offer in-store layaway options and online layaway programs. Of course, there are fewer Kmart and Sears stores these days, due to the financial difficulties of retailers. However, you can put items on hold for eight weeks if you put away online and 12 weeks if you make an in-store purchase and the purchase is $ 300 or more. You have to make layaway payments every two weeks. You also have to make a deposit of $ 10 and the cancellation fee is $ 10 or $ 20, depending on whether you have opted for an eight or 12 week layaway program and if what you are purchasing is $ 300. or more. (If it’s over $ 300, there would be a $ 20 cancellation fee.) There is also a $ 5 and $ 10 service charge, depending on whether the layaway lasted eight or 12 weeks. . If you can’t pay for the entire purchase, you’ll get a refund less service and cancellation fees.


Many Hallmark’s Gold Crown stores have layaway programs from July through December. You can put an item on hold for 90 days – inside the store, not online – and simply ask the store associate if you can put the item aside. You will need to pay a minimum of 20% of the total purchase amount and will receive a written copy of the terms and conditions (which vary by store). If you are a Hallmark member and receive Crown Rewards points, you will earn them on layaway purchases of inventory items.


This clothing retailer, which has more than 400 branches across the country, offers an in-store layaway service. You will pay a minimum of 20% deposit and the merchandise will remain in the store until you have fully refunded it. Buckle suggests paying every two weeks, but that’s up to you. They ask that everything be refunded within 60 days, otherwise the merchandise goes back to the store. If you cancel the layaway, you will be refunded, less any service charges or interest.

More American News

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What to consider before starting a layaway plan originally appeared on

Update 11/17/21: This story was posted at an earlier date and has been updated with new information.

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7 things you should never do with your money, according to experts Tue, 16 Nov 2021 07:04:10 +0000

One way or another, we all make mistakes. It is the human condition.

But right now, in the midst of a pandemic, one thing you don’t want to go wrong with is with your money.

Of course, we’ve all let bad financial habits take hold of us. But in these uncertain times, it’s more important than ever to make sure you’re not your own bank account’s worst enemy.

Here are seven mistakes people make with their money during the pandemic, and what you can do instead.

1. Stop being overcharged for auto insurance

When was the last time you compared car insurance rates? Chances are, you’re overpaying with your current policy.

If it’s been more than six months since your last auto insurance quote, you should look again.

And if you browse a digital marketplace called SmartFinancial, you could get rates as low as $ 22 per month and save you over $ 700 per year.

It takes a minute to get quotes from multiple insurers, so you can see all the best rates side by side. Yes, in just one minute you could save $ 715 this year. That’s a big cash back in your pocket.

So if you haven’t checked auto insurance rates in a while, see how much you can save with a new policy.

2. Tell your bank to leave

Here’s the deal: if you don’t use Aspiration’s debit card, you’re running out of free money. Does your current bank give you money for free?

Yeah. A debit card called Aspiration gives you up to a 10% bribe with each pass.

Need to buy groceries? Free money.

Need to fill the tank? Bam. Free money again.

This debit card had a long waiting list, but now you can sign up for free.

Enter your email address here and link your bank account to see how much extra money you can get with your Free Aspiration account. And don’t worry. Your money is FDIC insured and under military grade encryption. It’s a nerd talk for “it’s totally safe.”

3. Stop wasting money on credit card bills

If you have credit card debt, you know it. Anxiety, interest rates, fear you will never escape …

And the truth is, your credit card company doesn’t really care. It’s just getting rich by scamming yourself with high interest rates. But a website called AmOne wants to help.

If you owe your credit card companies $ 50,000 or less, AmOne will offer you a low-interest loan that you can use to pay off each of your balances.

Earnings? You will have one bill left to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you get rid of your debt much faster.

Plus: No credit card payment this month.

And if you’re worried you might not qualify, it’s free to check online. It only takes two minutes and it could help you pay off your debt years faster.

4. Never miss out on a million dollars in life insurance

Have you thought about how your family would cope without your income after you left? How are they going to pay the bills? Send the children to school?

Now is a good time to start planning for the future by considering a term life insurance policy.

You’re probably thinking: I don’t have the time or the money for this. But your application could take a few minutes, and you could leave your family up to $ 1 million with a company called Bestow.

Rates start at just $ 16 per month. The peace of mind of knowing your family is being taken care of is invaluable.

If you’re under 54 and want a quick life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow.

5. Don’t watch TV without getting paid for it

It’s been a historic year in the news, and we’re all constantly updating for the latest updates. You probably know more than one news junkie who thinks he’s a respiratory disease expert or a political genius.

And the research companies want to pay you to keep watching the news. You can add up to $ 225 per month to your pocket by creating a free account with InboxDollars.

He will present you with short news clips to choose from each day, then ask you a few questions about them. You just have to answer honestly, and InboxDollars will keep paying you every month.

It may sound too good to be true, but it has already paid people over $ 59 million.

Enter your email address here and you will immediately get a $ 5 bonus to get started.

6. Don’t pay too much on your cell phone

How long have you been in your current business? Probably a while, right? Which means you’re probably paying way too much.

But we did find a discount wireless company called Tello Mobile that has plans starting at just $ 5 per month.

Tello recently switched to a nationwide GSM network, which means improved 4G LTE / 5G coverage, faster data speed, and a more stable network. It lets you choose a wireless plan based on how many minutes and how much data you want, and you can even use Tello’s coverage tool to see how strong its network is where you live.

Over 7,000 customers have given it an excellent rating on Trustpilot.

Tello makes it easy to change and even keep your phone number. No need to leave home, you can do it all online. You can bring your own GSM phone or buy a new one through them. See how much you could save.

7. Never let your credit score cost you thousands of dollars

Your credit score is like your financial footprint. Everyone is different and for different reasons. A person’s credit score may be below 700 because there is an error in their report. Another person’s credit score may be less than 700 because they have an invoice in collection.

This means that everyone’s strategy for improving their credit rating will be different… but how the hell are you supposed to know where to start?

Fortunately, a free website called Credit Sesame will take a look at your credit report and tell you exactly what you need to do to improve your score.

Take, for example, James Cooper. He didn’t know anything about credit, but Credit Sesame showed him the exact steps to improve his score – from 524 to 801. *

Then there are people like Salome Buitureria, a working mother in Louisiana who, using Credit Sesame, found a major error in her report. The site helped her correct the mistake and take additional steps to increase her credit score by almost 200 points. *

Want Credit Sesame to show you exactly how to finally get your score above that 700 bump? It takes 90 seconds to register and get started.

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The key deadline is approaching if you want a new stimulus check next month Tue, 09 Nov 2021 19:44:00 +0000

The last opportunity is fast approaching for families to benefit, if they have not yet done so, from one of the most extraordinary measures the federal government has taken in response to the financial impact of the coronavirus pandemic. . For anyone who has yet to start getting the monthly child tax credit checks in 2021 for whatever reason, time is running out to do so.

As a reminder, the massive $ 1.9 trillion stimulus bill signed by President Biden earlier this year didn’t just fund a third stimulus check (for $ 1400). It also temporarily expanded the child tax credit. Normally, this benefit is paid as a tax credit when parents of eligible children file their federal income tax return. But due to the COVID-19 crisis, lawmakers have been creative in structuring a temporary increase. Half of that increase was paid in advance, spread over six checks this year between July and December.

Important IRS deadline

The exterior of the IRS headquarters building is shown. Image source: Pamela Au / Adobe

Some eligible families, for various reasons, have not yet started receiving any of the six checks. If this group includes you, here’s what you need to do if you want to get that prepayment from the IRS before the end of 2021.

Visit and sign up for the Enhanced Tax Credit before November 15th. This site was developed by the Department of the Treasury and Code for America, and is intended for families who have eligible children but have not yet received the checks automatically.

Those families who hurry and register? They will receive, all at once, the money that everyone has received, spread over the six monthly installments. Plus, that money will arrive for those last-minute recipients as early as next month, in December.

Calendar of the 2021 child tax credit

As for the timing of the remaining child tax credit payments, there are two regular checks left in 2021.

The first one arrives in less than a week, on Monday November 15th. After that, a final check arrives exactly one month later, on December 15th. And after December, there is also a companion benefit coming in 2022.

Remember, this year’s six checks were only partial down payments. The rest of a family’s tax credit will come next year when they file their federal income tax return. This tax credit next year should equal the six checks the family received this year. And there could also be more good news beyond that.

The Biden administration is pushing for a one-year extension of the child tax credit extension. If Congress agrees? Then we’ll see all of that unfold next year, with another year of those monthly checks. But the details are not yet final, as Congress is still working on it as part of a larger bill.

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Fourth relaunch of live updates: bipartisan infrastructure bill, California stimulus, social security 2022, child tax credit … Mon, 08 Nov 2021 05:05:30 +0000

Congress gives Biden much-needed good news with infrastructure vote

With this week election results in New Jersey and Virginia suggesting that voters are embittered Democrats, President Joe Biden was in dire need of good news. And on Friday he finally had a little.

The United States House of Representatives, controlled by its democrats, passed a $ 1 trillion infrastructure bill to repair airports, roads and bridges across the country – three months after the Senate – by sending the bill to Biden’s office for signature.

On top of that, a sweep $ 1.75 trillion in social spending and climate bill who is a centerpiece of Biden’s presidential campaign, has crossed a procedural hurdle in the House, though he remains not clear when he will get a final vote.

This happened the same day the government reported a better-than-expected situation. more than 500,000 jobs were added last month, suggesting that the economic rebound is accelerating.

The Dow Jones Industrial Average, the S&P 500 and the Nasdaq all hit a series of record highs this week. But the White House watched with concern Biden’s approval ratings have fallen steadily amid the ongoing pandemic, higher inflation, a chaotic withdrawal from Afghanistan and months of wrangling between Democrats in Congress over the infrastructure and social spending bills.

The alarm bells sounded this week when Republican Glenn Youngkin edged Democrat Terry McAuliffe in the race for governor of Virginia, a state Biden gained 10 percentage points a year ago. In New Jersey, Democratic Gov. Phil Murphy narrowly won the re-election of Republican Jack Ciattarelli in a surprisingly close contest.

In both races, suburban and independent voters who played a pivotal role in Biden’s victory turned to Republicans, a warning sign ahead of next year’s midterm elections, when oversight of Congress will be on the line.

The White House is eager to the infrastructure bill to empty the house since it passed the Senate in August with 19 Republicans voting alongside 50 Democrats. She had been suspended in the House as progressives tied her fate to the social spending package.

His passage comes at an auspicious time for Biden. The current Reuters / Ipsos presidential endorsement tracking poll shows that about 48% of American adults approve of Biden’s performance, with respondents citing the economy as their main concern.

Polls continue to suggest that Americans don’t know if this bill will benefit them. In a poll released by Emerson College this week, 39% of those polled believed it would have a negative impact on their lives, while 34% said it would have a positive impact.

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Zip partners with WebBank to launch “Zip Card” to expand the Buy Now, Pay Later payment offer everywhere Thu, 04 Nov 2021 12:58:00 +0000

NEW YORK–(COMMERCIAL THREAD) – Zip Co. Limited (ASX: Z1P), which previously operated in the United States as Quadpay, today announced a partnership with WebBank to launch the Zip Card, a card that allows consumers to ‘buy now, pay later, flexible payment convenience in a physical card format. WebBank will be the lender to Zip Card customers. Zip Card complements Zip’s first virtual card offering, which already provides consumers with access to PAY IN 41 product wherever they shop – whether it’s shopping online through the Zip app, the Chrome extension, or in a store via a virtual card to touch and pay.

“The Zip card is the next step in our mission to be the first payment choice for consumers wherever they shop, whether online or in-store,” Zip Co-CEO said. US, Brad Lindenberg. “Our partnership with WebBank further confirms that flexible payment options are winners for consumers and merchants and will continue to shape shopping habits well beyond the pandemic and this holiday shopping season.”

Nearly 6 million U.S. consumers are already turning to Zip’s BNPL virtual offering to shop everywhere – from big box stores to restaurants and more. Seventy-three percent of U.S. consumers who typically shop at stores surveyed by IBM 2 said they intend to return after being vaccinated, which will likely only increase due to current supply chain concerns during the holiday shopping season.

“We are excited to be working with Zip management to further accelerate the growth of the Buy Now, Pay Later product with a physical card offering,” said Jason Lloyd, president of WebBank. “Our partnership with Zip will allow merchants and retailers to offer flexible and transparent payment options to shoppers returning to stores and malls as pandemic concerns continue to ease and vaccinations increase. . ”

Buyers can download the Zip app for iPhone or Android to sign up for Zip. Once the app is downloaded, consumers can apply for a physical card and start spending immediately1 in store or online with the virtual card. There is no strict credit check. Payments can be made automatically from the consumer’s linked debit card every two weeks. Charges may apply. Please see the terms and conditions for more details. Zip plans to ship Zip cards to qualified applicants soon and throughout 2022.

1 Your first payment is due at the time of purchase followed by 3 payments evenly distributed every 2 weeks.

2 Injection of Hope: Life After the Vaccine, a research brief conducted by IBM Institute for Business Value

About Zip

Zip Co Limited (Z1P: ASX) or (“Zip”) is a leading global financial services company, delivering innovative, people-centric products that bring customers and merchants together. With a mission to be the first choice for payments everywhere, every day, Zip offers point-of-sale credit and digital payment services in 13 markets around the world, including through strategic investments, connecting millions customers to its global network of tens of thousands of merchants.

One of the fastest growing BNPL companies in the world, Zip has operations in Australia, Canada, Czech Republic, India, Mexico, New Zealand, Philippines, Poland, Saudi Arabia, South Africa, United Arab Emirates, United Kingdom and United States. Zip offers fair, flexible and transparent payment options to individuals and SMEs, helping them take control of their financial future and helping merchants grow their businesses. Zip is committed to responsible lending and also owns Pocketbook, a leading financial management tool. Founded in Australia in 2013, Zip today employs more than 1,000 Zipsters worldwide. For more information visit:

About WebBank

WebBank is a Utah chartered industrial bank headquartered in Salt Lake City, Utah. Since its inception in 1997, WebBank has created and funded more than $ 138 billion in consumer and business credit products. As “The bank behind the brand® “, WebBank is a national issuer of consumer and small business credit products through strategic partner platforms (brands), which include retailers, manufacturers, finance companies and fintech companies ( FinTech). The Bank is a leading player in digital lending, driving innovation in financial products through strategic partner platforms. WebBank engages in a full range of banking activities, including consumer and business loan products, revolving lines of credit, credit cards, private label card issuance, automatic refinancing and more. The Bank provides capital in the form of asset-backed loans and other credit facilities to strategic partner platforms, credit funds and other lenders with an emphasis on speci trade winds. The Bank is also a leading provider of commercial insurance premium financing products through its wholly owned subsidiary National Partners. For more information, please visit

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