8 Ways Online Retailers Push Us To Overspend

Overspending during the holidays is easy…and even easier when online retailers deploy every tactic to get your attention. Here are 8 ways online retailers push us to overspend.

Infographic listing 8 ways online retailers push you to overspend online

1. They offer free shipping… with a minimum purchase.
When retailers offer to sponsor shipping costs if you spend $50, they lure you into spending more.

2.  They make it super-easy to check out.
Websites make their checkout process ridiculously easy to keep you from overthinking your purchases and opting out. read more

CASH TRANSFER AND PAYMENT APPS

When used responsibly between peers, payment and cash transfer apps can be a very convenient way for friends to share expenses or pay back borrowed funds, but exercise caution before hitting “send.” Catch our latest blog post for more on Peer-to-Peer (P2P) payment systems. #membersfirstga #paymentapps #p2p #peertopeerpayments

Protect Yourself from Identity Theft

Image of man accessing confidnetial info. Protect Yourself from Identity Theft

Identity theft is one of the most nefarious crimes out there. Here are seven ways to help protect yourself: 

Secure Your Hard Copies 

Every sensitive document should be kept in a safe or scanned and saved in a secure folder. Credit cards and debit cards should be securely placed in your wallet at all times. 

Bonus Tip:  Shred all aged documents that contain sensitive information.

Examine Your Financial Statements read more

Beware of Tech Support Scams

How to spot a tech support scam

Tech support scams are growing at a rapid pace.  It seems you’re always putting yourself out on a limb when you call tech support. You dial the number the company gives you, and perhaps after a while of waiting, you’re connected to someone who may be working on the other side of the world in a completely different time zone. Then you’re asked to give this anonymous person identifying details about your phone or computer and the technical problems you’re experiencing.

Of course, you’re fairly certain the speaker works for your device’s company and you believe it’s perfectly safe to share this information. At the very least, they have contracted with this individual and are tracking their service. read more