Money Tips Network

The supposedly big hurdle for hackers when accessing accounts such as email, Facebook, online banking and so on is the password. However, the password for digital burglars seems to be no big deal anymore. Passwords can be spied out via so-called keyloggers. A keylogger is software that records the keystrokes and thus the string of the password.

The keylogging software is installed on the PC that the attacker wants to spy on. Frequently, keyloggers are also manually installed by people from the inner circle of the victim with the intent of secret surveillance.

The introduction of a much more family friendly fiesta in 2016 is reaping major rewards for the City Council of Pamplona with data collected from the 2018 event showed yet another year of increases in the number of people involved in the arts and activities program with more than 1.5million attending the event. As the city itself has a population of under 200,000 inhabitants this is good news for the local economy and the 2019 event is expected to once again experience growth. The largest attendances were again recorded at the massive nightly fireworks displays with an estimated 434,000 people witnessing the pyrotechnics and also at the Giants and Big Heads of Pamplona staging’s (the Comparsa de Gigantes y Cabezudos) where more than 190,000 witnessed these massive cardboard and paper mache statues, dance, walk, twirl and party in the streets of Pamplona.

OppLoans was founded in 2010 as an alternative to pricey payday loans that charge exorbitant interest rates and trap consumers in a cycle of debt. While these loans may indeed be considered “personal loans,” OppLoans focuses on offering short-term installment loans to high-risk borrowers. The biggest benefit of these loans is the fact that there is no credit check required.

It’s true that OppLoans has higher interest rates and ongoing costs than many other personal lenders, but they are easier to qualify for and their rates are significantly lower than payday loans. For that reason, we think OppLoans could be useful as a lender of last resort when you can’t get approved for a traditional personal loan with a lower interest rate and better terms.

J.D.'s note: Last week's talk by Vicki Robin was hosted by the School of Financial Freedom, a Portland-based organization I'm friendly with. At that talk, I met Naomi Veak, one of the school's coaches. She and I have a lot in common (grew up poor in small towns, attended the same college, etc.). I asked if she'd share her story with Get Rich Slowly readers. She agreed.

Have you ever thought how different your life could have been if you’d taken someone’s advice? What if I told you it may not be too late?

I recently rediscovered a letter my mother wrote to me when I was 19, attending a small liberal arts college in another state.

You've decided to sell your home. You've done your due diligence in preparing to put it on the market. You've meticulously staged it and strategically scheduled open houses. You've given the listing agent the green light to list it.

service started in 2012 with CEO Stephen Dash. Dash’s mission was to help borrowers manage large amounts of student loan debt by partnering up with lenders and displaying those lenders one dashboard. Since then, Credible has added personal loans, mortgage refinance, home loans, credit card balance transfers and more for its customers. Credible is based in San Francisco, has 157 employees and works with more than 280 partners.

One of my goals in 2019 is to get back to basics. I feel like I've succumbed to lifestyle inflation, so I'm taking the time to track my money in detail (using my fave tool: Quicken 2007 for Mac) in an attempt to identify problem areas. When I find money leaks, I need to decide whether to eliminate them or accept them.

While I'm skeptical that sharing my monthly spending report has any real value — and it invites unnecessary judgment (I'm already judging myself!) — popular opinion from GRS readers seems to be: Do it!

You folks like looking at my struggles with money haha.

So, here's a quick look at how I spent my money in February — the good, the bad, and the ugly.

February Spending Report

In January, I spent $4819.27 to support my lifestyle. In February, I spent $4556.49, a decline of $250.

This is the third entry in an eight part series exploring the connections between your finances and other areas of your life.

A few weeks ago, I started a series exploring the connections between personal finance and the other “spheres” of my life. The first entry covered the connections between one’s physical life and financial life, the second entry covered the connections between one’s mental and spiritual life and financial life, and today we’re looking at one’s intellectual life and financial life.

It’s kind of a Friday night tradition for our family to have pizza and watch a movie together. For our family, the regular plan is to make or order two large pizzas so that we have plenty of leftovers for weekend lunches. This typically costs somewhere around $30 if we buy it at the store. However, if we make it at home, the price drops to somewhere around $10 for both pizzas combined. That’s a $20 savings, and thus it’s well worth discussing here as a cost saving measure.

It’s worth noting that we don’t make pizza every single Friday; sometimes we do order it when we’re under a particular time constraint. Sometimes there are activities late Friday afternoon or early evening that interfere with actually making the pizza, which does take a while. Having said that, if one plans ahead, you can definitely make a pizza ahead of time and store it in the fridge, to be popped in the oven when needed.