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At this point, most people know what "phishing" means - the creation of fake "spoofed" emails in order to trick people out of personal and banking details. A variant, however, is becoming more and more common. So-called "spear phishing" is a growing problem affecting more companies every year, and it requires a bit of specific knowledge to deal with. What is "Spear Phishing?" In normal phishing attacks, the hackers spread a wide net. They may even send the fake emails to people who...

Many people struggle with personal finances. They do not keep track of their expenses, they spend more than they should, and they do not have enough money for emergencies -- among other significant problems. While potential fixes are many, one method that will almost certainly help is simplifying your personal finances. Here are six ways to do just that. 1) Keep a Budget A budget is any means of tracking money you make and spend over a month. A budget is a cornerstone of effective,...

Worried about your security when you transact with your bank online? Whether it's transferring funds from one account to another or signing up for a credit card to a new online shopping platform, you are exposing yourself to risk every time you share important banking information online. Laws require our banks and other financial institutions to put safeguards that ensure the privacy and safety of customer data, but this does not mean that your data is 100% safe, especially from phishing...

In this attack, fraudsters are borrowing a tactic from an old tech support scam that eventually allows them to gain access to their victims' devices and bank accounts. They are calling their targets and claiming to be bank security officials who are just trying to help them by stopping some fraudulent or unauthorized activity that has been detected. The fact that these scammers are informing their victims of a possible crime and claiming that they are trying to prevent it from happening...

Building a budget that meets all of your personal finance goals is not an easy task. Whether you're just starting with your savings goals or you've been dutifully depositing part of your paycheck into your 401k, it's essential to make sure your budget includes funds you can use for your enjoyment. While an emergency fund should be used for unexpected expenses, creating a "fun fund" will ensure you get some enjoyment out of life. The fact of the matter is that the future of the economy...

The internet has revolutionized our way of life. Now more than ever, we depend on the internet for everything from shopping to banking. Although the internet has made life easier for us in a lot of ways, it has introduced some additional risks to us such as the risk of having your identity stolen online, which can result in the loss of access to your accounts, new fraudulent accounts opened in your name, and surprise bills. The risk of identity theft cannot be totally removed from your...

It does not matter if you have a side hustle you pursue in your spare time or run a business that takes up all of your time - if you do not have a separate bank account for your business earnings you are selling yourself short. Worse yet, not having a bank account dedicated to your business could put you and your financial future at risk. Mixing together income and expenses from your business and personal expenditures and earnings can be confusing, especially when tax time rolls around....

Email phishing is big business for cybercriminals, so it's no surprise they'd use the name of big businesses to fool you. From national banks to major online retailers, identity thieves will utilize every tool they have to convince you their traps are legitimate messages. They'll ensure it takes a single curious click to harvest your name, your vital information, and access to your most sensitive accounts -- and they'll start with bait in the subject line. Don't be fooled by the most...