When to select debit or credit card at the checkout?

Merchants have been pushing consumers to use bank debit cards over credit cards.  And there’s good reason, for them.  A general rule of thumb is select credit unless there is no fee to use debit. Increasing number of banks and debit card providers have been charging consumers upward of $2-$4 per debit purchase transaction.  This...

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How to obtain a U.S. passport the quickest without paying expedited processing fees

The quickest, safest, and least expensive way to obtain a United States passport is by using a little-known secret at the U.S. State Department’s site.  This secret works all year round whether you need a passport during the slow season between March and October or other times of the year.  Unsurprisingly, Holidays will slow processing....

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What is the best day of the month to shop for a new credit card, car, insurance, or other credit?

  Credit scores can vary from bureau to bureau and can impact in dramatic ways in the interest rates you receive from credit card companies, your auto or homeowners insurances, or even a job offer.  With Experian, Equifax, and Transunion leading the industry, experts have noted a pattern in how and when reporting is done. ...

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Why should you have two or more bank accounts? One word SAR!

The original intent was to protect banks from cyber crimes, human smuggling and human trafficking, fraud, and a list of other financial crimes.  Bank employees are required to file a report (SAR) on customers with “suspicious” banking activities.  Such examples include large cash deposits ( over $500), wire transfers, electronic deposits, unusual credit or refunds,...

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When you hear anonymous web surfing, what comes to mind?

Pornography? Criminal activities? Hiding your new job searches at work? How about saving money? You see, many large websites such as Priceline, eBay, Amazon, and others are using cookies to track your shopping and searching patterns so they can scientifically "guess" which product or service best to serve you.  Sometimes the price of goods and...

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What does the https on your internet browser protect?

In the days ahead you may be wondering, "Why does all of the sudden your favorite websites have a "not secure" alert on your browser?"  In a sentence it means the sites haven’t implemented HTTPS and other security protocols.  We don't know whether the intent is to sell browser certificates to website owners, or to...

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How we turned a $199.94 refund request into a $91.99 profit on eBay!

It was expected to be a complete loss of money.  It was expected to be a complete loss of time.  But it turned into a profit as a result of planning and understanding a small loophole that eBay shoppers don’t know about.   Read to the end to discover how easy the process was.  ...

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Protect yourself from Made in China Junk

Not all products made in China are junk.  But many are.  So what’s the best way to protect yourself from becoming a highly disappointed owner of a Made in China product?  Buy extended warranties when offered by your shopping sites.  If anything goes wrong, it will take less than 5 minutes to file a claim...

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The secrets to getting your own toll free number

Owning your own toll free number is easy.  If you are a business owner it gives the impression that you know what you are doing.  Giving potential customers a quick and easy, and free way to reach you is the best way to earn their business.  Customers can call 24 hours a day and you...

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Secrets to enlarging Youtube Videos on Facebook

That’s exactly what I  typed in Google and got a list of websites where I could copy and paste links to convert and increase Youtube video size on Facebook.  Unfortunately, many of them are located in suspicious locations across the globe and they have pop up banners.  Imagine sending your friends or family members to...

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