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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When and why to surf the web anonymously

Surfing the web using incognito mode on your browser is not enough.  And let’s not get too deep into the real reasons why people are surfing in private mode. Here are the two most reliable sites for surfing incognito style. Home https://www.cyberghostvpn.com/en_US/free-proxy#...

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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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A secrets shopping agent has cracked the code on 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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multiple offers on a home?

In a multiple offer situation most agents and buyers automatically assume that all offers made must be at either full price, or near full price.  These speculations/assumptions can push biddings artificially high fueling buyers to pay a higher market price.  What is often ignored, or undisclosed, is the possibility that the competing offers can be...

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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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Killing real estate commission with a flat fee MLS listing?

Learn and share the inside scoop on amazing secrets like this when you become a member. https://www.youtube.com/watch?v=QDEwrb_PKVE...

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The Slow ( But Sure-Fire Way ) To Retiring Rich: Roth IRA, Now Roth 401K?

A great youtube video on what a ROTH is.  Learn and share more amazing secrets like this when you become a member....

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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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