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Cheat Sheet Q & A:
Today’s topic: Credit Karma vs. paid credit services
For some reason, my W-2 did not arrive at my house this year, and I have had to request a duplicate. Now, I am really worried about identity theft. I have heard the advertisements on your station for a fee-based service (Lifelock). My question is, in your opinion, is it worth purchasing credit monitoring services or is Credit Karma sufficient if someone might have access to the kind of information found in a W-2?
Bottom Line: Today’s question is a good one that I’ll break into two parts. First Credit Karma…
Credit Karma pros:
Credit Karma cons:
Credit Karma is easily the best free service that’s available for credit monitoring services. They do credit monitoring quite well. That’s also the limitation of the service. They’ll let you know what’s going on with your accounts or if you have inquires or new accounts opened in your name. It’s up to you to do what’s necessary from that point forward if you have a problem. Additionally the free credit score is nice but it’s only one of the three credit scores used by lenders to evaluate your credit worthiness.
The two paid services that I recommend are Identity Guard or Lifelock. I prefer the paid service because of the added service if you have a problem. With either of the aforementioned you have up to $1,000,000 of legal service provided to you before you’re out of pocket if you have a problem and you can contact the service to aid in fixing issues rather than fighting it out on your own. For about $10 per month per person I think it’s a good value proposition. You need to decide what’s right for you.
Best wishes on your W-2 being a mail snafu and not an ID theft problem.
If you have a question or topic you’d like to address email me: firstname.lastname@example.org
Latest twist in the USPS delivery schedule:
Bottom Line: As it turns out we’ll continue with six day mail delivery fore the foreseeable future. Why or how you ask? Well… it was worked into the bi-partisan funding bill that will be signed into law that will fund the Government for the rest of the fiscal year. The politicians mandated six day mail delivery. So naturally the question is how?
The USPS is losing $25 million per day. That’s right $25 mil per day. The Post Master General has offered up a business plan with solutions to help keep the USPS operating and competitive. The politicians continue to thwart that effort.
Ending Saturday delivery was estimated to save at least $2 billion per year. Now that won’t be allowed and it’s the problem of the USPS to deal with. I suppose we shouldn’t be surprised. Federal politicians routinely pass mandates on businesses that have negative consequences on them and make it their problem. There is one big difference with the USPS… They’re a mandated service under the US Constitution so…
You can see where this is going a mile away. Politicians won’t let a self-funded Government agency to do what is needed to remain viable so naturally at whatever point the USPS can’t operate – they’ll demand a bailout and the
What happened in
Bottom Line: So the media is quick to talk about a deal that will avert a collapse of
The two largest banks in Cyprus will merge (the second largest will fold) and those who hold deposits about the insured level will have their money confiscated and used to keep the country solvent (it’s about $5 billion in confiscated deposits). With about $15 billion
Simply put: Don’t keep any resources above insured levels in any bank anywhere. Clearly the affected in
T-Mobile takes the leap – no more contracts:
Bottom Line: About a month ago I mentioned it appeared likely that T-Mobile would end the two year wireless contract that has been the norm of the wireless industry for at least 15 years. Tomorrow T-Mobile will confirm this. So what does it mean?
You have one of two options with T-Mobile going forward:
T-Mobile will be offering $50 monthly plans with this new contract free service. Should you choose to go with the surcharge option I’d suspect that if you leave T-Mobile before you’ve fully paid for the device, you’ll be obligated to pay the balance of the device when you leave. Is there a big market for contract free service? We’re about to find out.
The impact of slackers in the workplace:
Bottom Line: A study that was just completed by research firm Vital Smarts, shed a bit more light onto the impact of slacker in the workforce.
I believe that many employers tolerate those who don’t carry their own weight provided the overall workload is completed. Even if that means that others pick up the slack of the slacker(s). The latest research shows the impact of tolerating slackers. By the numbers:
I don’t think most employers would be shocked to hear that on average a quarter of their staff isn’t carrying their weight. What I do think may be a surprise is the impact it has on those around them.
How much more productive would your top people be if they didn’t have to pick up the slack? With 80% of your achievers left to cover for the less productive, you’re missing out on maximizing their potential. That could be the difference between the status quo and taking your business to the next level.
Barnes & Noble’s buy a tablet & get an e-reader for free week:
Bottom Line: Barnes and Noble has been so focused on becoming a serious digital player that it split out the digital business from the traditional book store last year. They have tablets and e-readers to go along with the eBook store. What they don’t have is the sales volume of Apple or Amazon with their products. With lots of inventory and a need to catch your attention, B&N is offering a deal through March 31st.
No strings. You can buy from anywhere (them or 3rd party retailers). If you’d been looking at the Nook products it’s the best sale they’ve had yet.
The Gates Foundation quest for sexual revolution:
Bottom Line: Bill and Melinda Gates have been the most charitable family in total dollars in American history. They do a lot of good in the world. They’re now doing something that’s difficult for me to associate with their charity.
If a condom were deemed to “feel better” perhaps more people would use it and we’d have fewer sexually contracted diseases and abortions. That’s what the Gates foundation is now asking for you to submit your concept and plan for a better condom. You may submit your idea now through May 7th. The top idea will gain instant funding of $100k with the potential for more.
Maybe I’ve a bit uncomfortable with this because it’s the Bill and Melinda Gates foundation and I don’t want to see their faces and think about condoms. It could also be with regard to the implications of who judges what feels best... In any event if you’re so inclined click the link below and share with the Gates Foundation.