Money – Blog Campcee http://blogcampcee.com/ Tue, 21 Jun 2022 16:34:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://blogcampcee.com/wp-content/uploads/2021/05/cropped-icon-32x32.png Money – Blog Campcee http://blogcampcee.com/ 32 32 myFICO: Buy Now, Pay Later or Credit Cards: Which Should You Use? https://blogcampcee.com/myfico-buy-now-pay-later-or-credit-cards-which-should-you-use/ Tue, 21 Jun 2022 16:34:00 +0000 https://blogcampcee.com/myfico-buy-now-pay-later-or-credit-cards-which-should-you-use/

SAN JOSE, Calif.–(BUSINESS WIRE)–Buy now, pay later (BNPL) financing has exploded in popularity over the past few years; buyers have adopted the option of splitting their purchases into several payments. Even traditional credit card issuers have started offering installment payments as an option. Choosing between BNPL and a credit card can be difficult, especially since both have attractive features. Here are some things to consider, from myFICO:

For more information on loans and credit, visit the myFICO blog at https://www.myfico.com/credit-education/blog.

Buy now, pay later Advantages and disadvantages

Instead of paying for purchases in full at checkout, Buy Now, Pay Later lets you split your purchase amount into a short installment plan. Your first payment is usually due on the day of your purchase and the remaining payments are spread over several weeks. Usually there is no credit check and the application process is relatively quick and easy. You get a predictable, short repayment plan, and in many cases, there’s no interest.

Since your purchase is split into a few installments with BNPL, your installment payments will be higher. For example, a $1,000 purchase with four bi-weekly payments costs $250 every two weeks or $500 for two months. It’s important to be sure you can afford the payments before you commit. Note that if you don’t make your payments on time, or if you don’t pay your balance before the end of the interest-free period, you could incur significant late fees and interest charges.

One of the disadvantages of the BNPL is that it offers fewer consumer protections, such as the ability to dispute a transaction. The industry is relatively new and unregulated, so payment terms are not standard across the industry. You should carefully read the terms of each provider to understand prices, interest, reimbursement, etc.

Keep in mind that BNPL providers may report to credit bureaus, so your account history may impact your FICO® Scores. First observations of a a recent FICO study reveals that even though the change was small, on average people tend to lose a few points when newly opened BNPL accounts flagged as installment loans are included in credit data. The impact could be more pronounced if you have less than four accounts on your credit file or less than three years of credit history. (Note that this may also be the case when opening other types of credit, including credit cards!)

BNPL versus credit cards

A credit card gives you more time to pay and more places to use your card. Using a rewards credit card allows you to earn rewards that you can accumulate and redeem for flights, hotel stays, money in your bank account and more depending on the rewards program of your credit card. Some cards offer additional benefits like rental car coverage, extended warranty, purchase protection, and trip cancellation insurance.

Rather than requiring a fixed monthly payment, credit cards offer the flexibility of making minimum payments toward your balance. However, unless you are under a 0% APR promotion, you will be charged interest each time you carry over your balance from month to month. Interest rates vary and your exact interest rate could be high depending on your credit risk and the card you choose.

Opening a new credit card is not as simple as taking out BNPL credit. You must complete an application and go through a credit check, which may have a slight impact on your FICO® Scores due to associate inquiry displayed on your credit file. Many credit card issuers can approve your application immediately, but you may have to wait for your card to arrive in the mail before you can use it.

BNPL has become so popular that several credit card issuers now offer installment financing for certain purchases. Options vary by credit card, but most set a minimum purchase amount and a flat fee to participate. You may have the option of funding longer, such as 18 or 24 months. However, since most plans charge a fee, you won’t save money by using your credit card, but you will get the other benefits of using your card.

Which option should you choose?

Both options have their pros and cons. BNPL could be handy when it comes to small, short-term purchases, but incurs a fee if you don’t repay, while credit cards offer more flexibility for larger purchases, as well as the chance to earn rewards. rewards, as long as you agree with the interest cost. It’s important to remember that credit cards and some BNPL accounts can be reported to the credit bureaus, so do your best to pay on time to positively impact your FICO® scores.

Whichever option you choose – and you can use both for different types of purchases – it’s important to keep track of how much you owe to avoid being overburdened.

About myFICO

myFICO makes it easy to understand your credit with FICO® Scores, credit reports and alerts from all 3 bureaus. myFICO is the consumer division of FICO – get your FICO scores from the people who do FICO scores. For more information, visit https://www.myfico.com/credit-education.

]]>
Small Payday Loans Online No Credit Check https://blogcampcee.com/small-payday-loans-online-no-credit-check/ Sat, 18 Jun 2022 17:29:25 +0000 https://blogcampcee.com/small-payday-loans-online-no-credit-check/

Small payday loans online without a credit check

Get 100% cash advance online even with bad credit. The best service for fast loans!

Loans

A credit check can sometimes be applied to some payday loans as well. A credit check is generally not required for many payday loans, but may be requested if the loan is over $10,000. Some lenders require applicants to have a driving record. However, others do not. Your credit score will almost certainly be higher anyway, and your current credit score may not be worth the cost of the loan. Some payday lenders require a social security number or other biometric information for their borrowers. Despite the credit check, you can take small payday loans online without credit check and do it so easily today. You can do it faster and more cost effectively.

Other providers have no minimum deposit or other payment requirements. Once you’ve approved, you’ll receive a confirmation screen and a check in the mail. If your bank hasn’t approved any of your credit cards or you’re a victim of identity theft, you can always contact the lender and ask them to review the information. If the seller hasn’t sent you funds for the debt amount by the time you get to the bank, it’s common for them to simply refund the deposit and return nothing to you.

You will not be charged any fees for refunding the money. Keep in mind that when someone is in a temporary financial crisis, they have no way to recover a cash advance. You won’t be penalized by the lender if you don’t get the promised $300 within seven to ten days of approval. This delay in getting your money is an unfortunate thing for many. If you are able to receive money that you need urgently, use cash advances available for immediate use. These loans offer an inexpensive way to get your money now without having to wait for a credit check. To put it bluntly, it is small online payday loans no credit check and you can take it today. This type of loan is easier to obtain than a bank loan with a lot of paperwork and time.

Why are these types of loans so popular?

Lenders pay a lot of attention to ensuring that the borrower will be able to pay the repayment. With instant loans, you can pay off your payday money in as little as a few minutes. Online Payday Loans, Banks, and Savings Accounts Online loans are available from a variety of credit unions, small and large businesses, and banks. Online loans generally make it easier to get cash advances approved, but there are a few downsides. They can be expensive if you have a large amount, you need to pay early, they can have high interest rates, and they require more frequent paperwork and security such as ID or a guarantor. If you are considering getting a loan, you can always get a small payday loan online without a credit check and it will always benefit you.

Online Payday Loans, Banks, and Savings Accounts Online loans are available from a variety of credit unions, small and large businesses, and banks. Online loans generally make it easier to get cash advances approved, but there are a few downsides. They can be expensive if you have a large amount, you need to pay early, they can have high interest rates, and they require more frequent paperwork and security such as ID or a guarantor.

But online payday loans offer the opportunity to earn more money as an employer with these online loans. You don’t need to have a perfect work history. Some companies allow employees to pay their payroll taxes online with a credit statement and the government will take care of receiving their pay online. If you find yourself in an emergency situation that requires cash, you may want to consider using a cash advance to get cash quickly if you are $500 short or need to get out. quickly from a bad situation.

Monthly fees may be waived for some borrowers, but the loan is generally expensive. The credit scores that companies use to assess the risk of using these types of loans generally do not have the same precision that is used when reviewing a credit score.

Types of loans

The other way to make money fast is through payday loans and cash advances. In this situation, you have a much more limited time to pay off the debt or withdraw the funds as soon as possible. The two most common types of payday loans you come across are cash advances and withdrawals. Cash Advance Payday Cash Advance is a quick way to get cash.

This type of loan is often used to collect charges from your credit card account or to pay a loan from an ATM. Usually, cash advances and cash advances are not used for personal purposes, but for the purpose of withdrawing your money quickly. This type of payday loan gives you up to 10% of the loan principal amount at cash advance rates. Many cash advance lenders charge a higher interest rate than you can receive on your credit card. However, the interest rate is usually very low and often less than 5%. Also, you don’t have to worry about checking your credit history, that’s not the case here, where you can get payday loans no denial direct lenders only and this best way to get quick cash already today.

You won’t have a full credit history before getting a loan. However, instant loans are designed to make it easy for you to pay off debt quickly. The best rate can be made possible with a cash advance loan. Other instant loans Instant loans can be used to make payments on credit cards, student loans or mortgages. You will have an instant interest rate to repay the loan.

]]>
Universal Credit LAST: Britons must WAIT until July for £650 cost-of-living subsidy; how it affects YOU and how to claim https://blogcampcee.com/universal-credit-last-britons-must-wait-until-july-for-650-cost-of-living-subsidy-how-it-affects-you-and-how-to-claim/ Wed, 15 Jun 2022 23:08:31 +0000 https://blogcampcee.com/universal-credit-last-britons-must-wait-until-july-for-650-cost-of-living-subsidy-how-it-affects-you-and-how-to-claim/

A surprising reason why your energy bills could soar by £270

Summer has finally arrived in the UK with temperatures set to soar to 30 degrees or more in parts of the country this week.

It’s warmer than some vacation destinations like the Canary Islands, Cyprus, Portugal, Jamaica and Costa Rica.

But if you think hot weather means cooler energy bills, you might be in for a shock. Experts warn that your bills could even rise with mercury.

According to new data from Loop, a smart meter app, you could be spending up to £270 extra a month on devices to stay cool.

It’s costing you more to run gadgets like fans and air conditioning units compared to last year because energy prices have gone up.

The company calculates that this could add up to £9 a day more to your energy bill, if you used them all.

That means it’s more important than ever to understand how much energy you’re using and whether you can reduce it to save money.

Steve Buckley, head of data science at Loop, said: “As we see the first episode of warm weather, many of us will be looking for ways to stay cool, but it’s important to consider how some of this equipment could add to your bills.

“At first glance, these costs might not seem so high on an hourly basis, but they can really add up if you have a few appliances running or you forget to turn them off.”

]]>
Review of possible finance installment loans 2022 – Forbes Advisor https://blogcampcee.com/review-of-possible-finance-installment-loans-2022-forbes-advisor/ Thu, 09 Jun 2022 17:12:24 +0000 https://blogcampcee.com/review-of-possible-finance-installment-loans-2022-forbes-advisor/

Although Possible Finance can quickly offer small loans to borrowers with bad credit (or no credit), it charges higher APRs than some other personal lenders. Here’s how Possible Finance’s installment loans stack up against competitors.

Possible financing against upgrade

Upgrade offers personal loans starting at $1,000, so it might be a better option than Possible Finance if you need to borrow more than $500. In fact, you can borrow up to $50,000 with the upgrade and APRs start around 6% and go up to 36%. Since Upgrade’s rates are much more competitive than those of Possible Finance, it may be worth checking to see if you may qualify for one of its personal loans before borrowing a Possible installment loan.

The upgrade requires a minimum credit score of 580 to qualify, making it a viable option for potential borrowers with damaged credit.

Related: Personal Loans Review Upgrade

Possible financing against SoFi

Possible Finance offers small loans up to $500, but SoFi funds personal loans between $5,000 and $100,000. SoFi’s competitive APRs start around 6%, but you’ll need to pass a credit check to qualify. SoFi requires a minimum credit score of 650. If you cannot qualify on your own, you may consider applying with a co-borrower, such as a spouse or trusted friend.

Related: SoFi Personal Loans Review

Possible financing against LightStream

Similar to SoFi, LightStream also offers personal loans from $5,000 to $100,000, depending on the purpose of the loan, with competitive APRs starting in the low single digits. While Possible Finance finances short-term loans, LightStream allows you to repay your loans over two to 20 years. You must have a minimum credit score of 660 to qualify for a LightStream personal loan.

Related: LightStream Personal Loans Review

]]> The Web 3.0 Future Reviews (ASK Method Company) Ryan Levesque Quiz Funnel https://blogcampcee.com/the-web-3-0-future-reviews-ask-method-company-ryan-levesque-quiz-funnel/ Fri, 03 Jun 2022 21:16:45 +0000 https://blogcampcee.com/the-web-3-0-future-reviews-ask-method-company-ryan-levesque-quiz-funnel/

The Ask Method Company has launched an online event called The future of Web 3.0.

During the free 5-day symposium scheduled for June 6-10, 2022, The Ask Method Company explains how your digital business can prepare for web 3.0.

What is the future of Web 3.0? Should you attend The Web 3.0 Future webinar? Keep reading to find out everything you need to know about this online event.

What is the future of Web 3.0?

The Future of Web 3.0 is a free 5-day online event scheduled for June 6-11, 2022 at 4 PM EST.

Each day of the event, The Ask Method Company covers a new aspect of Web 3.0 and how Web 3.0 applies to your business.

The Ask Method Company will provide practical advice you can use to prepare your digital business for Web 3.0.

Web 3.0 is already here, and companies that don’t act now risk falling behind. Your competitors are already taking advantage of Web 3.0 technologies. During The Web 3.0 Future, you can learn some of the best practices to prepare your digital business for Web 3.0.

Topics covered during the Future of Web 3.0

The five-day event covers different topics each day. Every day a new expert explains a new aspect of web 3.0. By the end of the 5 days, you should have a better understanding of how Web 3.0 works, how it impacts your business, and how your business can adapt to Web 3.0 by making certain changes today.

Here are the topics discussed during each of the five days of the online event:

Day 1 (Monday June 6, 2022): Web 3.0 Traffic: Efficient lead generation in the world without cookies: iOS 14 was a game-changer for online advertisers as it included native cookieless technology by default, making it harder for advertisers to track users across the internet. In this webinar, Trey Sheneman (Marketing Director of Ask Method Company) explains techniques you can apply to your business today.

Day 2 (Tuesday, June 7, 2022): Web 3.0 Product: How Blockchain Will Disrupt More Than Money: Blockchain technology is not limited to cryptocurrencies. In this webinar, Lee Richter (CEO of the Global Leaders Collective) simplifies blockchain technology and explains how it can power your business. Businesses that use crypto, NFTs, and tokens in the right way today can get a head start.

Day 3 (Wednesday, June 8, 2022): Web 3.0 Email and Tracking: How Marketing Needs to Evolve to Track: In this webinar, Landon Ray (Founder and CEO of ONTRAPORT) discusses how open rates are no longer the standard measure of email campaign success. iOS 15 has targeted email performance, and email marketers need to change their game. Landon explains how to craft a winning game plan moving forward.

Day 4 (Thursday, June 9, 2022): Changing laws and how to use privacy as a strategic advantage: The United States lags behind most countries in the world when it comes to data privacy. However, things are changing. In this webinar, Jodi Daniels (Founder and CEO of Red Clover Advisors), discusses how changing data privacy laws will affect your business. More than half of all US states have data privacy legislation, and smart businesses need to make adjustments today.

Day 5 (Friday, June 10, 2022): Why standard marketing funnels won’t work in the age of Web 3.0: Marketing funnels have been a mainstay of digital marketing for decades. However, they will not work in the Web 3.0 realm. One-size-fits-all funnels are a thing of the past. In this webinar, Ryan Levesque (Founder and CEO of Ask Method Company and Bucket.io) explains how to use a personalized approach to funnels built on zero-party data to ensure the success of your marketing campaigns.

After the five-day event, marketers will have a better idea of ​​how Web 3.0 will affect their business, how to act today, and how to ensure you remain a marketer as technology laws change. and privacy continue to change.

The Future Pricing of Web 3.0

The future of Web 3.0 is free for everyone.

Simply enter your name and email address in the online formand you will receive a free link to the live webinar on the day it is scheduled to take place.

What’s the catch?

There is no “catch” in the future of Web 3.0 being free. It’s legitimately free for everyone to attend, and you don’t need to buy anything to attend the webinar.

The purpose of the webinar is to demonstrate the value of The Ask Method Company’s other products and services, including masterclasses, certification programs, and coaching services. However, you are not obligated to purchase these services after attending The Web 3.0 Future webinar.

When is the future of Web 3.0?

The Future of Web 3.0 is scheduled for June 6 to June 10, 2022.

The five-day event consists of a new webinar each day. You will receive a link to each webinar before it airs.

Each daily webinar airs at 4 p.m. ET, 3 p.m. CT, or 1 p.m. PT.

What is Web 3.0?

Web 3.0 is the third generation of Internet services, websites and applications.

People have different definitions of Web 3.0. However, some of the common traits of Web 3.0 technology include:

  • Web 3.0 focuses on using machine-based data understanding to deliver a semantic, data-driven web
  • The goal of Web 3.0 is to create smarter, more connected and more open websites.
  • Web 3.0 involves AI, machine learning, semantic web analytics, and more.
  • Web 3.0 implements virtual assistants and an increasingly AI-integrated world
  • Web 3.0 is increasingly integrated with the Internet of Things; it involves the use of smart devices to predict user behavior, provide them with the results they need, and understand their online browsing and shopping habits

To understand where Web 3.0 came from, it helps to understand Web 2.0 and Web 1.0. Web 1.0 was the first generation of the Internet, with basic websites and connectivity as businesses explored the new technology. Web 2.0 was the rise of social media and growing connectivity. And Web 3.0 is increasingly emphasizing AI, machine learning, and smart technology to make internet technology even better.

About Ask Method Company

The Ask Method Company is a registered trademark of RL & Associates, LLC. The company has been a 5-time winner of the Inc. 5000 Fastest Growing Company award (2017, 2018, 2019, and 2021 for Bucket.io and The Ask Method Company).

The Ask Method Company is based in Austin, Texas, with team members around the world.

You can contact The Ask Method Company via:

  • E-mail: contact@askmethod.com
  • Call: 1-844-KICK-ASK (1-844-542-5275)
  • Address: 4500 Williams Drive, Suite #212-311, Georgetown, TX 78633, USA

In addition to offering webinars, The Ask Method Company offers masterclasses, coaching, certifications, and online training tools, among other products and services.

The Ask Method Company and Bucket.io were founded by Ryan Levesque.

Last word

The Ask Method Company has launched a 5-day online event called The Web 3.0 Future.

Web 3.0 is here, and it’s becoming more and more relevant for marketers every day. During The Web 3.0 Future, you can learn actionable strategies you can implement today to use Web 3.0, leverage Web 3.0 technology, and maximize marketing success in the age of Web technology. 3.0.

To learn more about the future of Web 3.0 or to attend the free five-day online event today, visit the official site at AskMethod.com >>>

READ ALSO :

Affiliate Disclosure:

Links in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.

Disclaimer:

Please understand that any advice or guidance revealed here does not even remotely replace sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary and are not guaranteed as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any type of enrichment program. Reviewer is not responsible for pricing inaccuracies. See the product sales page for final prices.

]]>
Quick and easy tips for getting a free cash advance without a credit check https://blogcampcee.com/quick-and-easy-tips-for-getting-a-free-cash-advance-without-a-credit-check/ Fri, 03 Jun 2022 08:10:26 +0000 https://blogcampcee.com/quick-and-easy-tips-for-getting-a-free-cash-advance-without-a-credit-check/

A loan can be a real liberator in case you find yourself in a problem where you want money quickly. In case, again, you have a disastrous financial record or no record as a customer using any means possible, he might endeavor to find a bank that will give you development credit.

In the rest of the article, we will give you advice on the most appropriate method to obtain a non-binding advance if you have bad credit. We will similarly find out some of the advantages of obtaining money, as well as constant risks and how to avoid them. Appropriately, keep looking for stable heading and data!

What is a credit and what are the potential gains in obtaining one?

Source: pcmag.com

A credit is blazing money that can be obtained quickly, consistently in something like 24 hours straight after you request the money. Credits are generally temporary credits ranging from €100 to €500, and their repayment must be completed within a short period of time, generally between part of a month and a few months.

By far most banks that give out advances won’t really do any money research to back up a borrower’s mention for a turn of events; this is perhaps the main advantage of such a turn of events. In this way, they are a mind-boggling decision for people who have poor credit or have no record as a customer using any means possible. Moreover, the money can be used for any purpose; there are no limitations on how your Advancement Assets may be used by you.

Rules for getting free credit without a credit check

There are a few choices open to get money without having your credit checked. Finding a bank that is intensely focused on giving advances to those with money is a lonely open door. The likelihood that your improvement will be adopted by those development managers who do not perform financial checks is higher. You can also try using a site that works with shared propulsion, which connects people who need money with supporters who are willing to fund those advances.

Finally, you have the option of including a co-signer as an affirmation of the turn of events; this means that if you have shocking money, it is conceivable that you will still be accepted for a credit advance.

Keep looking for stable quotes and data assuming you are ready to find a convenient method to get development without having your credit checked endlessly.

The different types of credit available

Source: pewtrusts.org

It is compelling to understand that there are two explicit types of open money while seeking development. These advances are called acquired and unstable credits, freely. To be ready to earn money, you need to post collateral, such as the value of your home or a vehicle. Sensitive advances do not require any insurance, but they most often have higher support costs and it can be even more difficult to have each of the important features for them. Ignoring how they no guarantee neededunstable advances regularly have higher support costs.

Before researching a money choice of any kind, you must do extremely important evaluation and investigation of the various allotment choices to accumulate as much data as possible. You might have the belief that you are getting the most ideal arrangement with the help of this.

One small step at a time to choose the best development for your needs.

While looking for credit, there are a few assessments that you should try to choose the monetary thing that is overall reasonable for your needs.

In any case, you need to think about how much money you really need. Since money is usually propelled with unmistakable low totals, you won’t have to get more money than you can bear to think about.

Second, consider how quickly you will need the money; In the event that you need it immediately, you will probably need to seek out a credit master who can endow you with assets around the time you request them.

To conclude, you must consider the recognition cost of the improvement as well as all the costs that go with it. Due to the lavish support costs that are usually linked with credit money, it is essential to look at the modified advancement options offered by different banks to choose the one that has the most immaterial rate.

What to do by tolerating the disadvantages of your experience by reimbursing your development

Source: tutor.ng

Several choices are available to you if you find yourself in a situation where you cannot repay your credit quickly. Critical concerns at the front, contact your bank and provide them with clarification on what is going on; they could work with you to consider an alternate room plan.

Second, you should consider joining your liabilities, as this could get you a more reasonable cost of credit and make it much less difficult for you to control your parts. If in doubt, the last piece of housing is to manage your leaders; they might take less money from you than they are owed expecting them to be reimbursed using any means possible.

The data provided by Usman Konst of BridgePayday reveals that “a credit is transitional money that can be used for any purpose; there are no restrictions on how you can use assets from your turn of events. You can incorporate money for anything you need, for anything not against money interest points.

Essentially, meeting all money requirements is fundamental. A huge number of banks do not require credit checks before securing a borrower for credit. »

While waiting for you to inspect a development, remember the header with the path so that you can choose the money which is the general reason for your conditions. Also, if you find yourself in a situation where you’re having trouble repaying the turn of events, don’t save a tiny bit to take a look at your pawnbroker or money bosses; they might have the decision to help you sort out a reaction to your nervousness and get you financially ready again.




]]> Be aware of scams targeting the military this Memorial Day https://blogcampcee.com/be-aware-of-scams-targeting-the-military-this-memorial-day/ Mon, 30 May 2022 21:29:00 +0000 https://blogcampcee.com/be-aware-of-scams-targeting-the-military-this-memorial-day/

MADISON, Wis. (WMTV) – The Better Business Bureau warns that while Memorial Day is a time to honor those who lost their lives for our country, scam artists also like to take advantage of this time of year.

Scammers use Memorial Day to take advantage of victims in a variety of schemes with a patriotic or military approach.

According to the BBB, in 2021, active duty military members reported losing significantly more money ($300) than military spouses ($170) or veterans ($220). While the percentages of military spouses (43%) and veterans (42.7%) who said they lost money when exposed to a scam were very similar to the percentage of the general population (42.8%) reporting monetary loss, the susceptibility of active duty military (60.7%) was about 42% higher than the susceptibility of the general population.

The BBB military line provides free resources and access to services for all branches of the US military.

The BBB indicates that the following scams are typically aimed at the military:

  • High-priced military loans: Advertisements for a loan that promise a guarantee, instant approval, or no credit check often come with hidden fees and high interest rates. Legitimate lenders won’t guarantee a loan until you apply, and loans that require an upfront fee are likely a scam.
  • Veteran’s Benefit Buyout Plans: This buyout plan will offer a cash payment in exchange for a disabled veteran’s future benefits or pension payments. The cash amount is only about 30-40% of what the veteran is entitled to.
  • Fake rental properties: Stolen photos of legitimate rental properties are used in advertisements that promise military discounts and other incentives. Service members will have to pay a fee by bank transfer for security payments or a key to the property, and in the end they will receive nothing.
  • Misleading car sales: Websites that post ads offer fake military discounts or claim to be from soldiers who need to sell their vehicle quickly since deployment. The initial fee will require a bank transfer, otherwise the vehicle will have issues after purchase.
  • Expensive life insurance policies: Military personnel are often the target of high-pressure sales pitches that offer unnecessary and expensive life insurance policies.

The BBB also offers these tips to avoid scams:

  • Do your research: Get as much information as you can about a business or charity before you pay or donate. Discover a company BBB Company Profile or see if the BBB has a report on the charity.
  • Never transfer money to someone you don’t know: money sent by bank transfer is nearly impossible to track. Pay or donate by credit card when possible.
  • Protect your computer: Do not click on links in unsolicited emails. Do not enter personal information on unknown websites. Keep your anti-virus software up to date and use a firewall at all times.
  • Put an Active Duty alert on your credit reports upon deployment: this will minimize the risk of identity theft, as creditors and businesses cannot issue or extend credit until they verify identity .

Finally, follow these BBB tips before making a charitable donation:

  • Get the exact name of the charity: There are more than 28,000 veterans and military service organizations in the United States. Make sure the one you are asking for is the one you have in mind.
  • Watch out for undue pressure to donate: Honest charities won’t pressure you to make a donation decision on the spot. Donors always have the choice to learn more about the charity so they can give with confidence.
  • Check the website for the basics: Information about the charity’s mission, programs, and finances should be easily accessible.
  • Find out if the charity meets the BBB Charity Standards: find a report here.

For more information on military and veteran charities, click here.

Visit BBB Scam Tracker to track and report scams in your area.

Copyright 2022 WMTV. All rights reserved.

]]>
Tech Life: Never Argue Over Splitting a Bill Again https://blogcampcee.com/tech-life-never-argue-over-splitting-a-bill-again/ Fri, 27 May 2022 18:24:35 +0000 https://blogcampcee.com/tech-life-never-argue-over-splitting-a-bill-again/

By Stephanie Humphrey

Stephanie Humphrey

By Stephanie Humphrey

Apps like Cash App and Venmo have made it easier to send or receive money from family and friends for things like concert tickets, group dinners, and travel arrangements. However, we all know “that” person – the one who details their meal down to the last penny. Or the person you need to track down, reaching out to you repeatedly until you finally get your promised share of the hotel room in Cancun. But what if there was a way to avoid all the awkward haggling or hassling, get the money in a timely manner – and no one has to come out of pocket early?

Fuse is a way for everyone to split a payment to do so seamlessly. When you sign up, you get a Fuse card – it’s a virtual credit card, but no credit check is required. You add your bank account information to the card, as well as the bank account information of anyone else contributing to the payment. Full payment is made in advance using the virtual credit card and then everyone’s share is deducted from their own respective bank account. If you connect a bank account to Fuse, it’s completely free to use. If someone connects a credit card for payments, the app charges a processing fee. There are so many different reasons this could be useful for a group, including:

Recurring invoices: Fuse works especially well for recurring bill payments. If you have roommates, most bills are probably in one person’s name. A roommate gets electricity on their behalf, while internet service can be shared from another roommate’s account. That person pays the bill and then gets reimbursed by the other roommates, and it usually works out pretty well – until it doesn’t. With Fuse, you can add a merchant and invite your housemates to split the charges. Now the bill is paid on time and the account holder no longer has to wait for people to pay it back.

Group dinners: Nobody wants to be the person at the restaurant who itemizes the bill at the end of brunch and chooses their specific order items. But it’s also unfair for everyone to share the cost of a restaurant’s endless mimosas when all you got was the fruit plate and toast. With Fuse, you can scan the receipt, invite everyone in attendance to share the scan, and then everyone can tap what they ordered and only pay for those items. Tax and tip are split based on the individual order. Then everyone pays using the payment method they entered in the app. Easy ventilated! No more smartphone calculators at the table, and no more discrepancies — or hurt feelings — when the bill comes.

Fuse makes it easy to split a payment the way you want – by ratio, evenly, by percentage, or by the exact amount everyone owes. You can create groups of people you regularly share costs with, like roommates, your brunch besties, or the vacation team. And the Fuse account holder will even get cashback in certain places by using the Fuse card to facilitate payments. Thanks to this unique innovation in the financial sector, you will not be charged any interest on the card or any revolving credit balance. It’s truly a win-win for any kind of group activity that requires a shared expense – with Fuse, you don’t have to worry about squabbles over money anymore!

Stephanie Humphrey is a former engineer turned tech expert and author. She is a contributor to Fox 29’s “Good Day Philadelphia” show and co-host of “The Tech Jawn” podcast. You can find Stephanie all over the web @TechLifeSteph and buy her book “Don’t Let Your Digital Footprint Kick Your Ass!” on Amazon.

]]>
Help military members avoid scams and questionable calls during Memorial Day https://blogcampcee.com/help-military-members-avoid-scams-and-questionable-calls-during-memorial-day/ Thu, 26 May 2022 18:10:09 +0000 https://blogcampcee.com/help-military-members-avoid-scams-and-questionable-calls-during-memorial-day/

Memorial Day is a time to honor those who lost their lives for our country.

Unfortunately, it is also a time to be on the lookout for schemes that target our serving military with a patriotic or military approach.

In 2021, active duty military members reported losing significantly more money ($300) than military spouses ($170) or veterans ($220). While the percentages of military spouses and veterans who said they lost money when exposed to a scam were nearly identical to the percentage of the general population (around 48%), the sensitivity of military on active duty was approximately 42% higher according to the 2021 Better Risk Report from the Office of Business Affairs.

Here are highlights of the scams BBB typically finds directed at service members:

– High priced military loans. Ads for loans that promise a guarantee, instant approval, or no credit check often come with hidden fees and extremely high interest rates. Remember that legitimate lenders will never guarantee a loan before you apply, and loans that require an upfront fee are likely a scam.

– Veterans’ benefit buy-back schemes. This buyout plan will offer a cash payment in exchange for a disabled veteran’s future benefits or pension payments. The cash amount is only about 30-40% of what the veteran is entitled to. These buyout plans can be structured in a number of different ways, so do your research thoroughly before signing on to anything.

– False rental properties. Stolen photos of legitimate rental properties are used in advertisements that promise military discounts and other incentives. Service members will have to pay a fee by bank transfer for security payments or a key to the property – in the end, they will receive nothing.

– Misleading car sales. Websites running classified ads offer fake military discounts or claim to be from military members who need to sell their vehicle quickly since deployment. An initial charge will be required by bank transfer, otherwise the vehicle will have problems after purchase.

– Expensive life insurance policies. Military members are often the target of high-pressure sales pitches that offer unnecessary and expensive life insurance policies. Lawyers can misrepresent the benefits of these policies.

BBB offers the following tips to avoid scams:

– Do your research. Get as much information as possible about a business or charity before you pay or donate. A good start to research would be to visit bbb.org and see if BBB has a report on the company or charity.

– Never transfer money to someone you don’t know. Money sent by wire transfer is virtually impossible to track. Pay or donate by credit card whenever possible, as you can dispute charges more easily.

– Protect your computer. Do not click on links in unsolicited emails. Do not enter personal information on unknown websites. Make sure you have up-to-date anti-virus software installed and use a firewall at all times.

– Put an Active Duty alert on your credit reports upon deployment. This will minimize the risk of identity theft, as creditors and businesses cannot issue or extend credit until they verify identity.

Tips before making a charitable donation:

– Get the exact name of the charity. There are more than 28,000 veterans and military service organizations in the United States. Make sure the one you are asking for is the one you have in mind. Mistaken identity is a common problem.

– Beware of undue pressure to donate. Honest charities will not push to make a donation decision on the spot. Donors always have the choice to learn more about the charity so they can give with confidence.

– Check the website for the basics. Information about the charity’s mission, programs, and finances should be readily available on its website. Look for a report on Give.org.

– Find out if the charity meets BBB Charity standards. Look for a BBB report Give.orgthe BBB Wise Giving Alliance website.

– Check with state government officials. In about 40 states, charities are required to register to solicit, usually with the office of the attorney general or the secretary of state. Keep in mind that registration with any state agency does not constitute or imply the endorsement or recommendation of that state.

BBB’s Military Line provides free resources, such as financial literacy information, access to BBB services, scam alerts, and complaint and dispute resolution for all branches of the US military.

Michele Mason is president of the Better Business Bureau in Chattanooga

]]>
Consumer Reports recommends 5 gas apps to save money at the pump https://blogcampcee.com/consumer-reports-recommends-5-gas-apps-to-save-money-at-the-pump/ Sun, 22 May 2022 10:13:37 +0000 https://blogcampcee.com/consumer-reports-recommends-5-gas-apps-to-save-money-at-the-pump/

Thanks to high gas prices, daily driving is much more expensive than before. Now, more than ever, find the cheapest places to refuel, improve fuel consumption, and identifying ways to save money at the pump are essential. that’s why consumer reports has compiled a list of free gas apps to help you improve fuel economy. From identifying inexpensive fuel to planning fuel-efficient car trips, these apps are worth checking out.

1. GasBuddy

▶” src=”https://www.youtube.com/embed/mfvLzboPIbc?feature=oembed” frameborder=”0″ allow=”accelerometer; automatic reading; clipboard-write; encrypted media; gyroscope; picture in picture” allow full screen >

If you want to locate the cheapest gas stations and find exclusive offers, points and savings, check out GasBuddy.