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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - we now find ourselves in a frozen job market. Clark explains how this compares to conditions in 2009, and where laid off workers and others seeking employment, are most likely to find work. Clark Stinks: Segments 1 & 2 Direction For Job Seekers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Credit Card Sign-Up Bonuses Worth at Least $500 How To Save Money on Utilities Do Not Give Your Social Security Number at These Places 401(k) limit increases to $23,500 for 2025, IRA limit remains $7,000 States rush to hire federal workers out of work after DOGE cuts Booking a Cruise? Here Are 5 Ways To Do It for Less The Only Way You Should Pay for a Cruise How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With the Other Credit Bureaus? How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Qasim Ijaz Qasim Ijaz is the director of cybersecurity at a leading healthcare organization, overseeing detection, incident response, vulnerability management, purple teaming, and cybersecurity engineering. With a strong background in offensive security and risk management, he has helped organizations strengthen their defenses against evolving threats. He is also a dedicated educator, mentoring professionals and sharing his expertise at conferences such as BSides and Black Hat. You don't need to go far in the news these days to find out that another organization was hacked. Data breeches are a nightmare scenario for both leaders and the people they support. In this episode, Qasim and I explore what your team and you can do to be a bit more prepared. Key Points Use multi-factor authentication, passphrases, and a password manager. Freeze your personal credit reports. Do this for free directly with Experian, Equifax, and TransUnion. Leaders in bigger roles (executives, CEOs, board members) are larger targets for hackers due to their access and also their ability to occasionally side-step organizational guidelines. It's the non-technical pieces of a cyber response that organizations are least prepared for. Conduct incident response and disaster recovery tabletop exercises to uncover vulnerabilities before an attack. Regardless of organizational policy, employees will use AI. The best prevention assumes the inevitability of human behavior and works with it to improve systems. Resources Mentioned Recommended password managers: 1Password, Apple password app, Proton Pass Critical Security Controls by the Center for Internet Security Resources for Small and Medium Businesses by the Cybersecurity & Infrastructure Security Agency 2024 Data Breach Investigations Report by Verizon Business Related Episodes Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Where to Start When Inheriting a Team in Crisis, with Lynn Perry Wooten (episode 603) How to Use AI to Think Better, with José Antonio Bowen (episode 689) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic. To accelerate your learning, uncover more inside Coaching for Leaders Plus.
When we use the phrase "talent gap" in cybersecurity, we're usually talking about adding headcount. For this interview, however, we're focusing on a gap that is evident within existing teams and practitioners - the often misunderstood soft skills gap. Side note: I really hate the term "soft skills". How about we call them "fundamental business skills", or "invaluable career advancement skills"? Hmm, doesn't quite roll off the tongue the same. Soft skills can impact everything, as they impose the limits of how we interact with our world. That goes for co-worker interactions, career advancements, and how we're perceived by our peers and community. It doesn't matter how brilliant you might be - without soft skills, your potential could be severely limited. Did you know that soft skills issues contributed to the Equifax breach? We'll also discuss how fear is related to some of the same limitations and challenges as soft skills. Segment Resources: https://www.softskillstech.ca/ Order the Book You might know them from their excellent research work on groups like Scattered Spider, or their refreshing branding/marketing style, but Permiso is laying some impressive groundwork for understanding and defending against identity and cloud-based attacks. In this interview, we talk with co-founder and co-CEO Paul Nguyen about understanding the threats against some of cybercriminals' favorite attack surface, insider threats, and non-human identity compromise. Segment Resources: This blog post from our threat research team on Scattered Spider shows how threat actors move laterally in an environment across identity providers, Iaas, PaaS and SaaS environments, and how this lateral movement ultimately creates blind spots for many security teams This great talk by Ian Ahl, from fwd:cloudsec 2024, touches on a lot of great TTPs used by attackers in IDPs and in the cloud Another blog, When AI Gets Hijacked: Exploiting Hosted Models for Dark Roleplaying and another, What Security Teams Can Learn From The Rippling/Deel Lawsuit: Intent Lies in Search Logs This week, in the enterprise security news, we check the vibes we check the funding we check runZero's latest release notes tons of free tools! the latest TTPs supply chain threats certs won't save you GRC needs disruption the latest Rippling/Deel drama All that and more, on this episode of Enterprise Security Weekly. Visit https://www.securityweekly.com/esw for all the latest episodes! Show Notes: https://securityweekly.com/esw-401
When we use the phrase "talent gap" in cybersecurity, we're usually talking about adding headcount. For this interview, however, we're focusing on a gap that is evident within existing teams and practitioners - the often misunderstood soft skills gap. Side note: I really hate the term "soft skills". How about we call them "fundamental business skills", or "invaluable career advancement skills"? Hmm, doesn't quite roll off the tongue the same. Soft skills can impact everything, as they impose the limits of how we interact with our world. That goes for co-worker interactions, career advancements, and how we're perceived by our peers and community. It doesn't matter how brilliant you might be - without soft skills, your potential could be severely limited. Did you know that soft skills issues contributed to the Equifax breach? We'll also discuss how fear is related to some of the same limitations and challenges as soft skills. Segment Resources: https://www.softskillstech.ca/ Order the Book You might know them from their excellent research work on groups like Scattered Spider, or their refreshing branding/marketing style, but Permiso is laying some impressive groundwork for understanding and defending against identity and cloud-based attacks. In this interview, we talk with co-founder and co-CEO Paul Nguyen about understanding the threats against some of cybercriminals' favorite attack surface, insider threats, and non-human identity compromise. Segment Resources: This blog post from our threat research team on Scattered Spider shows how threat actors move laterally in an environment across identity providers, Iaas, PaaS and SaaS environments, and how this lateral movement ultimately creates blind spots for many security teams This great talk by Ian Ahl, from fwd:cloudsec 2024, touches on a lot of great TTPs used by attackers in IDPs and in the cloud Another blog, When AI Gets Hijacked: Exploiting Hosted Models for Dark Roleplaying and another, What Security Teams Can Learn From The Rippling/Deel Lawsuit: Intent Lies in Search Logs This week, in the enterprise security news, we check the vibes we check the funding we check runZero's latest release notes tons of free tools! the latest TTPs supply chain threats certs won't save you GRC needs disruption the latest Rippling/Deel drama All that and more, on this episode of Enterprise Security Weekly. Visit https://www.securityweekly.com/esw for all the latest episodes! Show Notes: https://securityweekly.com/esw-401
When we use the phrase "talent gap" in cybersecurity, we're usually talking about adding headcount. For this interview, however, we're focusing on a gap that is evident within existing teams and practitioners - the often misunderstood soft skills gap. Side note: I really hate the term "soft skills". How about we call them "fundamental business skills", or "invaluable career advancement skills"? Hmm, doesn't quite roll off the tongue the same. Soft skills can impact everything, as they impose the limits of how we interact with our world. That goes for co-worker interactions, career advancements, and how we're perceived by our peers and community. It doesn't matter how brilliant you might be - without soft skills, your potential could be severely limited. Did you know that soft skills issues contributed to the Equifax breach? We'll also discuss how fear is related to some of the same limitations and challenges as soft skills. Segment Resources: https://www.softskillstech.ca/ Order the Book Show Notes: https://securityweekly.com/esw-401
When we use the phrase "talent gap" in cybersecurity, we're usually talking about adding headcount. For this interview, however, we're focusing on a gap that is evident within existing teams and practitioners - the often misunderstood soft skills gap. Side note: I really hate the term "soft skills". How about we call them "fundamental business skills", or "invaluable career advancement skills"? Hmm, doesn't quite roll off the tongue the same. Soft skills can impact everything, as they impose the limits of how we interact with our world. That goes for co-worker interactions, career advancements, and how we're perceived by our peers and community. It doesn't matter how brilliant you might be - without soft skills, your potential could be severely limited. Did you know that soft skills issues contributed to the Equifax breach? We'll also discuss how fear is related to some of the same limitations and challenges as soft skills. Segment Resources: https://www.softskillstech.ca/ Order the Book Show Notes: https://securityweekly.com/esw-401
Today's episode focuses on implementing automation systems in your transportation business with Revenova's co-founder, Michael Horvath! Mike talks about the integration of AI in the industry and its practical applications, highlighting its potential to automate up to 95% of a broker's daily tasks, which allows professionals to prioritize relationship-building while competing effectively without extensive staffing, the importance of data security, the need for AI capabilities to be seamlessly-integrated within existing systems, and how AI can assist with tasks such as CRM updates and research, without replacing essential human interactions! About Michael Horvath Michael Horvath is the COO and co-founder of Revenova. The company provides CRM-powered transportation management solutions (TMS) for freight brokers, 3PLs, carriers, and shippers. Founded in 2014, Revenova customers include a wide range of midmarket and enterprise customers, including some of the largest 3PLs in North America. He is responsible for the company's overall go-to-market and product strategy. Prior to Revenova, Michael co-founded Forseva, a company that developed the first credit and collections management application suite native to the salesforce platform, and served as CMO and EVP until the company was acquired by Equifax in 2014. He built his path to entrepreneurship through successful tenures at several high-tech companies, including NCR, Quintus Corporation, AVAYA and Cortera. Michael is a graduate of Northern Illinois University.
In this Cloud and Clear episode, explore Equifax's approach to building a secure cloud-native infrastructure with Google Cloud. JK Krug, VP of Digital Employee Experience at Equifax, shares how Equifax is leveraging Gemini AI to enhance collaboration and productivity while maintaining top-tier security. Hosted by John Veltri, Managing Director, Acquisition Sales at SADA, this episode offers valuable lessons for any organization considering AI solutions. Join us for more content by liking, sharing, and subscribing!
What do Bigfoot and credit reports have in common? They're each the subject of many myths.We don't know much about 8-foot furry creatures, but we can dispel some of the folklore about credit and credit reports. Neile Simon is here to help us do that today.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.If you've ever wondered whether closing a credit card boosts your score or if credit counseling hurts your credit, you're not alone. Let's dive into these common misconceptions and separate fact from fiction.Myth #1: Paying Off Debt Instantly Improves Your Credit ScoreIt's a common belief that paying down debt will immediately result in a perfect credit score. However, credit improvement takes time because credit scores are based on your payment history.Reality: Your credit report gives lenders a snapshot of how responsibly you've managed debt over time. Consistently paying bills on time is the best way to build and maintain a strong score—but it won't happen overnight.Tip: Be cautious of anyone claiming they can “fix” your credit instantly. No legitimate company can erase negative (but accurate) information from your credit history overnight.Myth #2: Credit Counseling Destroys Your Credit ScoreMany people worry that seeking credit counseling will harm their credit score.Reality: Enrolling in a credit counseling program is a neutral mark on your credit report and does not directly affect your score. Closing accounts impacts your score, so working with an accredited nonprofit organization is essential to develop a plan that keeps your credit intact. That's why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management. Tip: Avoid paying for expensive credit monitoring or identity protection services. You can monitor your credit for free through reputable sources.Myth #3: Canceling Credit Cards Boosts Your ScoreMany people believe that closing old or unused credit cards is a responsible move, but it can actually hurt their credit scores.Reality: Lenders want to see two or three active credit lines. Closing credit cards reduces your available credit, which can negatively impact your score by increasing your credit utilization ratio (the percentage of available credit you're using).Tip: Keep zero-balance accounts open unless they charge an annual fee. If you must close an account, do so gradually—perhaps one every six months—to minimize the temporary impact on your score.Myth #4: Too Many Inquiries Hurt Your ScoreWhile excessive hard inquiries (when lenders check your credit for a loan or credit card application) can lower your score, not all inquiries count against you.Reality: Credit bureaus recognize rate shopping—for example, when you're comparing mortgage or auto loan rates. If you make multiple inquiries within a 45-day window, they count as one single inquiry, not multiple.Tip: Always shop around for the best loan terms without worrying about multiple hits to your credit score.Myth #5: Checking Your Own Credit Report Hurts Your ScoreMany consumers avoid checking their credit reports because they fear it will negatively impact their scores.Reality: Checking your own credit is a "soft inquiry" and does not affect your score. Only "hard inquiries" (such as applying for a loan or credit card) can impact your score.Tip: Review your credit report every 6–12 months to catch errors or fraud early. Get a free report from AnnualCreditReport.com, the only official site for free credit reports.Myth #6: Credit Scores Are Locked In for Six MonthsSome believe their credit score is only updated periodically, leading to confusion when making financial decisions.Reality: Your credit score is dynamic, meaning it updates as new information is reported—not every six months. Changes in balances, payments, and account activity can impact your score as soon as they are reported by creditors.Tip: If you're working on improving your score, be patient and consistent—your efforts will show over time.Myth #7: If I Pay My Bills on Time, I Don't Need to Check My Credit ReportIt seems logical that paying your bills on time means your credit report is in good shape. But that's not always the case.Reality: 80% of credit reports contain errors. Mistakes like incorrect account information or fraudulent activity can damage your score even if you've never missed a payment.Tip: Check your credit report at least once a year to identify errors and dispute inaccuracies before they hurt your financial standing.Myth #8: All Credit Reports Are the SameMany people assume that if they check one credit report, they've seen them all.Reality: There are three major credit bureaus—Equifax, Experian, and TransUnion—and they all calculate scores differently. Some lenders may pull from only one bureau, while others check all three.Tip: Review reports from all three bureaus to get a complete picture of your credit history and spot discrepancies.Myth #9: A Divorce Decree Automatically Removes You from Joint AccountsDivorce proceedings often divide assets and debts, but that does not automatically separate joint accounts.Reality: If you and your former spouse share a loan or credit account, both of you remain responsible for the debt—even if a court assigns the balance to one person.Tip: To protect yourself, close joint accounts or refinance loans to remove your ex-spouse's name. Simply relying on a court order won't protect your credit.Myth #10: Bad Marks Automatically Disappear After Seven YearsMany assume that negative information automatically falls off their report after seven years, but it's more complicated than that.Reality: Some items, like Chapter 7 bankruptcies, remain on your report for 10 years, while Chapter 13 bankruptcies stay for seven years. Paid-off accounts in good standing can remain for 10 years, which benefits your credit history.Tip: If you have negative marks on your report, focus on building positive credit habits to minimize their impact over time.Myth #11: I Can Pay Someone to “Fix” My CreditCredit repair companies often promise quick fixes, but many of their claims are misleading.Reality: No company can legally remove accurate negative information from your credit report. If a debt is legitimately yours, it will stay on your report until its expiration date.Tip: You can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies.The Truth About Credit ReportsUnderstanding your credit report and score is essential for financial success. By debunking these myths, you can take control of your credit and make informed financial decisions.Check your credit report regularly for errorsKeep credit card accounts open to maintain a strong scoreShop around for loans without worrying about multiple inquiriesWork with trusted advisors, not credit repair scamsIf you're struggling with credit card debt, Christian Credit Counselors can help. They've helped thousands of people get out of debt 80% faster while honoring their financial obligations.Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more.On Today's Program, Rob Answers Listener Questions:I have a $50,000 home equity line of credit with $40,000 currently owed. I'm in school for one more year and have had to draw $1,000-$2,000 from the line every couple of months to cover expenses. My interest rate is 2.6%. I was wondering if I could use the equity in my home to pay off this debt and get some extra cash to help me through the rest of school.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Credit CounselorsAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Send us a text In this episode, we dive into the critical world of security data strategy with experts Aqsa Taylor and Justin Borland, authors of the upcoming book Applied Security Data Strategy: A Leader's Guide. Justin, a veteran of the Equifax breach, shares firsthand lessons from one of the biggest security incidents in history, while Aqsa explores her journey from electrical engineering to cloud security and the role of governance in data management. Together, they unpack the challenges of handling massive security data, the power of real-time analytics, and how Abstract Security's platform transforms data strategy with deduplication, normalization, and tiered storage. Perfect for CIOs, CSOs, and security pros looking to future-proof their organizations. Subscribe for more cybersecurity insights!Key Points Covered:Introduction to Aqsa Taylor and Justin Borland, emphasizing their expertise and new book.Justin's Equifax experience as a compelling narrative hook.Aqsa's background and insights on governance and cloud security.Abstract Security's innovative approach to data strategy (deduplication, real-time analytics, etc.).Target audience callout (CIOs, CSOs, security professionals) and a subscription prompt.Why this description? It's concise, highlights the episode's value, and uses action-oriented language to engage viewers. It balances technical appeal with accessibility for a broad cybersecurity audience. Support the showFollow the Podcast on Social Media! Tesla Referral Code: https://ts.la/joseph675128 YouTube: https://www.youtube.com/@securityunfilteredpodcast Instagram: https://www.instagram.com/secunfpodcast/Twitter: https://twitter.com/SecUnfPodcast
Aktien hören ist gut. Aktien kaufen ist besser. Bei unserem Partner Scalable Capital geht's unbegrenzt per Trading-Flatrate oder regelmäßig per Sparplan. Alle weiteren Infos gibt's hier: scalable.capital/oaws. Aktien + Whatsapp = Hier anmelden. Lieber als Newsletter? Geht auch. Das Buch zum Podcast? Jetzt lesen. Gold knackt 3.000 $. Steyr Motors knackt Hype-Level. Finanzpaket von Merz knackt die Grünen. Ansonsten sorgen ServiceTitan, DocuSign & Foxconn für gute KI-Stimmung. Und viele Dinge werden heiß erwartet: Die GTC-Konferenz von NVIDIA & der IPO von Klarna. Das denkt Buffett zu Gold: https://www.berkshirehathaway.com/letters/2011ltr.pdf Ist Coca-Cola Europacific Partners (WKN: A2AJ8Q) das bessere Coca-Cola? Börse sagt: Ja. Viermal besser sogar. Musk spart. Wer leidet? Lockheed Martin, Raytheon, Northrop Grumman, General Dynamics, Palantir, UiPath, Booz Allen Hamilton, CACI, SAIC, Parsons, Maximus, Equifax, Thomson Reuters. Wer spielt sonst noch mit? Aramark, DocuSign & Cloudflare. Diesen Podcast vom 17.03.2025, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.
With the price of goods in flux, it helps to be in the know to protect your wallet. Clarkies know how Clark uses unit pricing to shop smart at the grocery store. You would think that the bigger the bag, the smaller the unit price. Not so. Clark fills you in on what manufacturers have been doing and what to keep in mind with all purchases moving forward. Also - Travelers be prepared: the Real ID flight requirement domestically, and travel authorizations for entry into Europe are upon us. The Retail Pricing Game Now: Segment 1 Ask Clark: Segment 2 Flyers: Real ID Kicks In: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco Hearing Aids: 5 Things To Know Before You Buy Miracle-Ear Hearing Aids: 5 Things To Know Before You Buy Sam's Club Hearing Aids: 5 Things To Know Before You Buy Connect Hearing: 5 Things To Know Before Your First Visit HearUSA: 5 Things To Know Before Your First Visit Travel Alert: REAL ID Deadline Coming Soon-Clark.com What is ETIAS - European Union / Apply for an electronic travel authorisation (ETA) 6 reasons to add your Passport to Google Wallet How Should I Safeguard My Passport When I Travel Abroad? Best Free Password Managers: 10 Top Picks How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Follow Clark Howard's #1 Rule To Travel Cheap 9 Free Federal and State Tax Filing Services for 2025 Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Cybersecurity Today: Rising Fraud in Canada and Major Cyber Crime Crackdowns Welcome to another episode of Cybersecurity Today with your host, Jim Love. As fraud prevention month begins, we delve into the rising fraud rates in Canada, with new data from Equifax revealing Canadians' growing concerns about data protection, particularly among seniors and Quebec residents. We also cover the significant international law enforcement actions that dismantled the 8Base ransomware group and Garantex, a Russian cryptocurrency exchange linked to cybercriminal activities. Additionally, we discuss the emergence of a new botnet orchestrating record-breaking DDoS attacks, highlighting the persistent vulnerabilities in IoT devices. Don't miss our deeper analysis and the latest updates in cybersecurity. 00:00 Introduction to Fraud Prevention Month 00:23 Rising Fraud Concerns in Canada 02:24 Law Enforcement Actions Against Cyber Crime 04:34 Emergence of a New Botnet 06:46 Conclusion and Upcoming Shows
Clark shares data showing how far your dollars will go in retirement depending on where you live in the country. The differences from state to state, even within the same region - are remarkable. Also - Clark discusses how tariffs affect the economy and what to prepare for as consumers and as workers The Cost Of Living By State: Segment 1 Ask Clark: Segment 2 Tariffs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mapped: How Far $1 Million Gets You in Retirement, by U.S State How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Are Money Market Funds a Safe Place To Stash My Savings? Vanguard Review: Pros & Cons / Vanguard Personal Advisor Review What Is a Fiduciary Financial Advisor and Do I Need One? What Are Index Funds? What Is an Annuity, and Why Does Clark Think They Stink? Clark's Updated Way To Shop for Car Rental Deals Cheapest Way to Rent a Car: Expert Tips 17 of the Best High-Yield Online Savings Accounts in February 2025 High-Yield Savings Account (HYSA) Calculator Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/Imagine turning credit repair into a million-dollar business at just 24 years old…Well, that's exactly what the newest member of our Millionaires Club, Reonna Victoria, did! Reonna is the founder of Reonna Victoria Credit Consulting, the only credit consulting firm tailored specifically to millennials and young adults like her. She's helped countless clients fix their credit, achieve financial freedom, and transform their lives—all while building a million-dollar business using Credit Repair Cloud.Reonna turned her passion for credit into a highly profitable business, and today, she's going to walk you through exactly how she did it!Tune in.Key Takeaways:00:00 Intro 01:54 Reonna's Background 06:06 Launching a Business at 19 10:11 Reonna's Team 12:11 Hiring People Who Worked at Equifax 13:57 What Drives the Most Leads 15:01 How to Grow a Following on Instagram 17:41 The Right Way to Run Ads 24:13 Process for Collecting Testimonials 26:10 Affiliates and Referral Partners 29:28 Making a Million Dollars in Credit Repair 30:28 Credit Repair Cloud 31:52 Bankruptcy Isn't Your Only Option! 33:01 Advice for Aspiring Credit Heroes 34:02 Rapid Fire Questions 36:26 OutroAdditional Resources:Reonna's Business IG: https://www.instagram.com/reonnathecreditqueen/Reonna's IG: https://www.instagram.com/doitlikere/Reonna's Website: https://reonnavictoria.com/Get a free trial to Credit Repair CloudGet my free credit repair training 10 Steps to Build a Successful Credit Repair BusinessMake sure to subscribe so you stay up to date with our latest episodes.
This episode features an interview with Matt Rivera, Chief Marketing Officer at Day & Zimmermann and Gary Sevounts, Chief Marketing Officer at Simpplr. Matt has worked for Day & Zimmermann for 34 years, from payroll administrator to the first person in the marketing department. He leads a diverse team of marketers and communications professionals who contribute to a cohesive, professional and high-performing marketing organization. Gary is a veteran CMO with a track record of building high-growth demand and revenue engines, effective marketing teams, differentiated brands, and establishing categories. Previously, he was CMO at Malwarebytes, Socure, and Equifax's Identity and Fraud Division.In this episode, Miriam, Matt, and Gary explore the connection between customer experience and employee experience, the importance of authenticity and transparency in storytelling, and leveraging AI to enhance communication and measurement.-------------------“ With the automation that we have today for the employee experience, you can do that and then transfer it right over into the external marketing. You're tweaking the message. But it's the same types of messaging. It's the same campaigns. We're looking at the same analytics. All of those things really start connecting a lot. I think, in a lot of cases, the employee experience and what you're doing there, if you're doing it right, it's authentic, can really drive some of the marketing stuff too.” – Matt Rivera“ Brand starts internally. It starts with a mission and starts with the employees believing in why. Why did we start the company? Why are we doing what we're doing all day long? Why are we passionate about it? In the companies that I worked with and I dealt with, when there is that connection and it's genuine, employees become ambassadors. In the companies where that connection doesn't exist, people don't believe it and it's just words, then it can take a negative turn really quickly.” – Gary Sevounts-------------------Episode Timestamps:*(02:51): Matt and Gary's career journeys*(07:01): Getting to know Matt and Gary*(08:41): Exploring the connection between CX and EX*(12:56): The art of great storytelling *(24:15): Marketing strategies for Internal Communications*(35:36): Leveraging technology for employee engagement-------------------Links:Connect with Matt on LinkedInLearn more about Day & ZimmermannConnect with Gary on LinkedInConnect with Miriam on LinkedInCohesion PodcastAbout Simpplr
2025年2月24 - 28日主要新闻：特鲁多及其他西方领导人访问乌克兰，纪念俄乌战争三周年；- 中国抗议加拿大将中国公司列入新的俄罗斯制裁名单；- 加拿大国际广播电台庆祝开播80周年；- 拒绝成为美国第51州：华裔人权组织周日发起“守护加拿大”抗议；- 魁北克省宣布2025年国际学生限额；- Equifax报告：经济稳定的加拿大人与债务缠身的加拿大人之间的差距在扩大；- 安大略省进步保守党在省选中赢得多数党席位。 https://www.rcinet.ca/zh/wp-content/uploads/sites/6/2025/02/2025-02-28_baladorcizh_0197.mp3
With the right leadership, cyber resiliency can become a business asset and enabler of innovation. Hear Rohan Amin, chief product officer at Chase, and Jamil Farshchi, executive vice president, chief information security officer and chief technology officer at Equifax, share how tech executives can help recast risk management as a catalyst of innovation and long-term growth. Listen to all episodes here.
¿Qué sucede cuando una empresa recaba datos personales de una web abierta o protegida mediante técnicas de “data scraping”? Hemos tratado varios casos recientes (KASPR-CNIL, Equifax-AEPD, Experian-ICO) con Jorge Cabet, pero no sin antes darnos un paseo entretenido por la historia del web scraping y el solapamiento de disciplinas que esta práctica invoca a ambos lados del charco. Jorge Cabet es Director en el departamento de Corporate e Innovación del despacho Augusta Abogados. Nuestro invitado ha ejercido en distintos despachos internacionales y ha trabajado también para el ente público. Colabora con distintos medios y publica artículos doctrinales además de ejercer la docencia en la Universidad. Referencias: Jorge Cabet (Cinco Días): el caso KASPR: empresas que usan tus datos, una realidad peligrosa de internet Jorge Cabet en LinkedIn Resolución de la AEPD contra EQUIFAX IBÉRICA (1 millón de euros) (EN) El caso de OpenAI reabre el debate sobre web scraping (Cyberscoop) (EN) hiQ Labs vs. LinkedIn (EN) Data scraping: KASPR fined €240,000 (CNIL) (EN) Polish Supervisory Authority issues GDPR fine for data scraping without informing individuals (Inside Privacy) (EN) Tribunal rules on Experian appeal against ICO action (ICO).
With financial fraud on the rise, protecting your personal and banking information has never been more important. A recent JD Power study found that nearly 29% of bank account holders experienced fraud in some form over a 12-month period.To help us navigate the best security practices, Aaron Caid shares expert advice on how to safeguard your accounts from cybercriminals.Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union, an underwriter of Faith & Finance. 1. Strengthen Your Password SecurityA strong, unique password is your first line of defense against fraud. Here's how to create one that's tough to crack:Use a mix of uppercase and lowercase letters, numbers, and special characters.Avoid using common words or easily guessed phrases (e.g., "password123" or your birthdate).Consider using a password manager to generate and securely store complex passwords.In addition to a strong password, enable two-factor authentication (2FA) for your financial apps. This extra layer of security requires a one-time passcode (usually sent via text or an authentication app) to verify your identity when logging in or completing transactions.Pro Tip: Turn off text message previews on your phone. If a scammer steals your phone, they could see your passcode on your lock screen and gain access to your accounts.2. Monitor Your Accounts & Stay Alert for FraudVigilance is key when it comes to detecting fraudulent activity early.Regularly check your bank accounts for unauthorized transactions.Review your credit reports through the three major bureaus—Equifax, Experian, and TransUnion—by visiting AnnualCreditReport.com.Sign up for transaction alerts from your bank or credit union to get notified of suspicious activity.Fraudsters also use phishing scams—fake emails, texts, or calls—to trick people into giving away personal information. These scams often create a sense of urgency to pressure you into acting quickly.Never share your:Username or passwordOne-time passcodesAccount or personal information over the phone, email, chat, or textHackers can spoof phone numbers and email addresses to make messages appear legitimate, even impersonating banks and credit unions. If you're ever unsure, call your financial institution directly to verify any suspicious messages.3. Use Secure Wi-Fi & Protect Your Personal InformationWe all love a good coffee shop work session, but public Wi-Fi networks are a big security risk when accessing sensitive financial accounts. Hackers can intercept your data and steal your login credentials.Always use a secure, password-protected Wi-Fi network when banking online.Use a Virtual Private Network (VPN) for added encryption and security.Also, ensure you don't let identity thieves find your personal information in the trash!Shred documents containing sensitive details like account numbers, social security numbers, or other financial information. Shredders cost as little as $35—a small price to pay for big security.Stay Secure & Bank with PurposeAs fraud prevention becomes increasingly important, many Christians are seeking banking solutions that align with their values. Christian Community Credit Union (CCCU) offers a Harvest Bundle—a unique checking and savings account designed to help members grow their savings while supporting missions worldwide.4% APY on the first $5,000 in Harvest Checking5% APY on the first $5,000 in Harvest Savings1.5% cash back on purchases with the Cash Rewards Visa CardA portion of proceeds supports missions, including gospel outreach, protecting vulnerable children, and fighting human trafficking. For those looking to align their banking with their faith, the Harvest Bundle from CCCU offers competitive rates and kingdom impact—a win-win for wise financial stewardship.If you're looking for a banking partner that reflects your faith and values, consider joining Christian Community Credit Union (CCCU).Ready to bank with purpose? Visit JoinChristianCommunity.com today!On Today's Program, Rob Answers Listener Questions:Can you provide a list of the faith-based investments that I can invest in? I'm trying to invest differently with my 401(k) funds. I have an old work comp claim that was incorrectly billed, causing Medicare to deny payment. What happened, and how can I prevent this in the future? Also, if I submit a claim to the work comp company and they only pay a portion, am I responsible for the remaining balance? I own a free-and-clear home in Davenport. There is no mortgage anymore, and I would like to transfer 50% of ownership to a family member. Would I have to pay any taxes, or would my family members have to pay them because of this transfer? I'm retired, receiving $70,000 annually from disability and SSDI. I have $50,000 in a TSP account and $9,000 in debt that I'm paying off. I'm currently renting for $1,500 per month. Should I use my VA loan to purchase a home or just continue renting? I have a Roth IRA that I formed from a 403(b) annuity a couple of years ago. I'm 73 and will be 74 in a couple of months. At what point does the RMD apply to my Roth? Also, I'm retired and have Social Security and a retirement pension. I occasionally make profits from a book I publish and workshops I do. Can I make contributions to my Roth from those profits?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineList of Faith-Based Investing FundsCenters for Medicare & Medicaid Services (CMS.gov)AnnualCreditReport.comLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
With President Trump's administration in full swing, we're joined by Shandor Whitcher, economist at Moody's Analytics, to break down key economic trends shaping the year ahead. Get the latest on inflation, labor market dynamics, and the Federal Reserve's approach to interest rates, along with the impact of global trade policies, emerging technologies and more.
With so many social security breaches, we return to the original scene of the crime: the Equifax Breach of 2017. Enjoy this replay of one of our most popular episodes, where you'll learn about common hacking techniques, how routers work and why they're so important, and the most basic of cybersecurity measures like patch plans. Resources for this episode:Website where you can check if your identity was compromised in the Equifax breachBusiness Insider: Literally everyone should be thinking about suing Equifax. September 2017.U.S. House of Representatives Committee on Oversight and Government Reform: The Equifax Data Breach. December 2018.CHINESE PLA MEMBERS, 54th RESEARCH INSTITUTE - The fellas charged with the Equifax breach, now on the FBI's wanted list.United States Government Accountability Office Report to Congressional RequestersSend us a textEveryday AI: Your daily guide to grown with Generative AICan't keep up with AI? We've got you. Everyday AI helps you keep up and get ahead.Listen on: Apple Podcasts SpotifySupport the showJoin our Patreon to listen ad-free!
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Clark discusses what's behind rising energy costs now and in the future, and the need for a rethink in home building. Clark Stinks: Segments 1 & 2 Energy Prices & Home Building: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Switch Phone Carriers: 9 Easy Steps How To Fight Fraudulent Bank Account Charges Can I Access My Streaming Service Anywhere in the U.S. and Internationally? IRS Direct File Expands to Millions More Taxpayers 8 Free Federal and State Tax Filing Services for 2025 5 Reasons Why This Is the Best Time of the Year To File Your Taxes Why this Boston homeowner doesn't pay anything to heat his house 10 Ways To Lower Your Heating Bill / How To Save Money on Utilities How To Get a Free Credit Report / 4 Ways To Get Your Free Credit Score How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Kayla Andrade emphasizes the importance of landlords staying informed and advocating for policy changes to better support the housing industry in Ontario. She encourages collaboration with elected officials and industry experts to address issues like tenant accountability and affordable housing. Tenant Screening and Rent Reporting: Tenant screening is crucial to avoid problematic tenants. Kayla advises landlords to: Conduct their own long-form credit checks (e.g., through Equifax). Match tenant application details with credit data to identify discrepancies. Avoid accepting credit reports directly from tenants, as these can be falsified. Monthly rent reporting is a valuable tool that benefits both landlords and tenants: It helps tenants build their credit with on-time payments. It acts as a deterrent for tenants who might not pay rent consistently, ensuring accountability. Challenges in the Housing Sector: Kayla highlights systemic issues such as shelters being overcrowded, reliance on motels as housing, and the use of shipping containers for accommodations. These reflect broader problems in addressing housing needs effectively. Advocacy as a Solution: Kayla encourages landlords to become professional and customer-service-oriented while protecting their investments. She calls for more government support for landlord education and policy reform to address current challenges. Kayla herself provides one-on-one consultations, educational resources, and runs the Ontario Landlord Watch Facebook group to support landlords. Personal Insights: Kayla shares her own experiences, such as dealing with tenants who split up and the importance of setting clear expectations upfront. She mentions her reluctance to enter politics due to personal commitments but remains focused on helping landlords through advocacy and education. Call to Action: Landlords should join advocacy groups like Ontario Landlord Watch and stay informed about policy changes. Collaboration and proactive efforts are needed to create a better housing environment for both landlords and tenants.
When looking for a flight deal, there's a trick that can save you a lot of money. Clark points to 3 airlines that might not be on your radar, but should be. Also - is your car spying on you? It's highly likely. And what happens with your data? Clark discusses privacy concerns prevalent today. New Airlines & Destinations: Segment 1 Ask Clark: Segment 2 Vehicular Spying & Privacy Rights: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Coming to a Tiny Airport Near You: New Airlines How To Find Cheap Flights in 3 Easy Steps How To Prevent, Report and Repair Identity Theft What Is a Credit Union? / Credit Union vs. Bank: What's the Difference? Submit a complaint | Consumer Financial Protection Bureau How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should You Get a Store Credit Card? Is your car spying on you? What it means that Tesla shared data in the Las Vegas explosion Best Cash Back Credit Cards With No Annual Fee in 2025 Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 SURFSHARK - Alternative Number: your online identity safeguard POLICYGENIUS - The Simple Way To Buy Insurance APELLA WEALTH - Advice For Life Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
The Equifax Advisory Team dives into predictions for 2025, exploring key economic themes such as tariffs, immigration reform, and the ongoing housing affordability crisis. The discussion also touches on potential policy impacts from the new administration and how unexpected events could shape economic outcomes.
Have you ever wondered why cyber attacks are not all equal? Why some of the most significant data breaches in history didn't lead to your personal information being sold on the dark web? When Data Breaches Are Really Espionage? Why did the stolen data from breaches like Anthem, Starwood/Marriott, OPM, and Equifax vanish into the ether, while other breaches see data auctioned off to the highest bidder? Let's delve into these mysteries, each a tale of intrigue and unseen adversaries.Send us a textGrow without Interruption. Stop Breaches. Leverage Advances in Technology with NetGain. Contact NetGain today at 844-777-6278 or reach out online at www.NETGAINIT.com
They've also been ordered to follow the law in the future. https://www.lehtoslawcom
In this informative episode of PennyWise, host Nat Cardona sits down with Chip Lupo, a credit card writer for WalletHub, to explore the vital topic of credit freezes. As the importance of maintaining a good credit score becomes undeniable, Chip offers a comprehensive guide on how to protect your credit and identity through the strategic use of credit freezes.Listeners will gain insights into the process of implementing a credit freeze, its benefits, and potential drawbacks. Chip explains how a credit freeze can safeguard personal information from fraudsters, especially during times of increased vulnerability, such as the holiday season. He also discusses the ease of managing credit freezes through the major credit bureaus—Experian, TransUnion, and Equifax—via online platforms, phone, or mail.Learn about the importance of unfreezing your credit before applying for new credit accounts and the impact of a credit freeze on existing accounts. Chip also highlights scenarios where a credit freeze might be beneficial and clarifies misconceptions about its effects on credit score improvements.Show notes created with assistance by https://headliner.app ---
Inverstigator, Greg Hons, gives tips to avoid being scammed in the New Year. Tip One: Leave your valuables in the trunk of your car when you go to work out. When you are done working out, look through your purse or wallet to make sure everything is there. Tip Two: Get your free credit report at https://www.annualcreditreport.com You don't have to get all three at once. Greg recommends getting one in Jan, another in in June, and the third one in December. (The three main credit bureaus are Experian, Equifax and Trans Union.) Tip Three: Consider getting rid of your debit card in favor of an old-fashioned ATM card.
Losing a loved one is a time of profound grief and confusion, and the practical tasks that follow can feel overwhelming. Settling a loved one's estate requires careful attention and preparation. Let's walk through six financial steps to take during this challenging time, all underpinned by prayer and reliance on God's guidance.Begin with PrayerBefore addressing financial matters, take time to pray. Invite God into your decisions and ask for wisdom. James 1:5 reminds us, “If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him.”Prayer offers clarity and comfort, helping you approach the estate settlement process with confidence and peace, knowing the Holy Spirit is interceding on your behalf (Romans 8:26).Step 1: Obtain the Death CertificateThe death certificate is a critical legal document you'll need to settle your loved one's affairs. It's usually prepared by the medical examiner and provided through the funeral home.You'll need multiple copies for various purposes, such as notifying financial institutions, filing taxes, and starting probate. If you don't receive the death certificate within a few weeks, contact the funeral home or your local vital records office.Step 2: Begin the Probate ProcessTake the death certificate and the will to your county probate office to file a petition to begin probate. As the executor, you can then carry out the deceased's wishes.If there's no will, the process becomes more complex. You'll still petition the court to begin probate and may request to be named administrator of the estate. However, the court will decide how the estate is distributed according to state law. For guidance, consider consulting a Certified Kingdom Advisor (CKA). Visit FaithFi.com and click “Find a Professional” to find a trusted advisor.Step 3: Notify Financial Institutions and AdvisorsInform the deceased's financial institutions, banks, and financial advisors of their passing. Advisors can help identify assets and ensure they're handled correctly.Check for accounts with Transfer on Death (TOD) or Payable on Death (POD) instructions. These accounts can often bypass probate, simplifying the process.Additionally, notify the three credit reporting agencies—Equifax, TransUnion, and Experian. Provide the death certificate to close accounts and check for fraudulent activity.Step 4: Address Insurance PoliciesContact the deceased's life insurance company to begin the claims process and provide the death certificate and policy details.Also, cancel other unnecessary insurance policies, such as auto or disability insurance, to avoid ongoing payments for no longer required services.Step 5: Notify Government AgenciesEnsure the appropriate government agencies are informed of your loved one's passing. The funeral director often notifies Social Security but confirm that this has been done.Notify Medicare and, if applicable, the VA or other government programs. This step helps avoid complications and ensures benefits are properly adjusted.Step 6: File Final TaxesThe final step is filing the deceased's taxes, including any outstanding returns. This is often best handled by a professional, such as a CPA, to ensure compliance and accuracy.While these tasks may seem overwhelming, prayer and preparation can guide you through. Remember, you are not alone in this journey. Lean on God's wisdom and the support of trusted professionals to navigate this season with grace and confidence.On Today's Program, Rob Answers Listener Questions:My able-bodied older sister has been relying on our family for financial support for the past 8 years, even though the work she chooses doesn't provide enough income. Should we continue supporting her, or is that not helping her in the long run?My wife and I will inherit an IRA from my mother-in-law. The IRA and a brokerage account contain over $300,000 in cash. However, the money market account yield has dropped from 5.3% to 4.5%. Where should we invest this cash with the stock market looking richly valued?I'm 70 and retired, and I need to get a new car. I currently owe $27,000 on my home. Should I pay off the remaining mortgage, which would increase my monthly payment, or should I get a car that would cost around $20,000, which would lower my monthly payment? I don't know where to get the money to do either.My 91-year-old dad has a $3,500-$4,000 monthly shortfall in his long-term care expenses and is down to his last $25,000. I'm considering a reverse mortgage for him, as this could allow him to stay in his home for another 2.5 years. What are your thoughts on the different types of reverse mortgages and whether this could be a good option for his situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationMovement MortgageNational Christian Foundation (NCF)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Send us fan responses! Experience the electrifying world of credit repair and financial strategy as I, Don Kalam, engage with the trailblazing entrepreneur Monte Millionaire. This episode promises to equip you with unparalleled insights to transform your financial journey. Monte shares his game-changing approach to credit repair, boasting results in just 14 days, and we dive into the intricacies of managing credit cards and hard inquiries. Together, we demystify the roles of agencies like Experian, Equifax, and TransUnion and emphasize the critical importance of the CFPB in client relationships.Through our personal narratives, we confront the conventional education system, highlighting its inadequacies in preparing individuals for financial independence. We reflect on the challenges of high school and college, questioning their effectiveness in ensuring success and financial security. Our conversation seamlessly transitions into the world of financial literacy, exploring credit repair as a powerful tool for debt management and the tax implications of debt cancellation. We share life lessons that offer more potent wisdom than what traditional schooling provides.Monte and I also embark on an intriguing exploration of history and societal norms, challenging popular narratives and celebrating the contributions of overlooked African American inventors. This episode is not just about financial empowerment; it delves into the fascinating intersections of education, Masonry, and societal structures, offering a fresh perspective on personal freedom and spiritual truth. Ending on a high note, we celebrate Monte's family-oriented credit business and his aspirations of becoming a billionaire by age 30, inviting listeners to connect for private consultations and further education through Don Kalam University.FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://donkilam.com https://www.amazon.com/CapiSupport the showhttps://donkilam.com
Auto theft, particularly at airports - has spiked around the country. Holidays travelers are especially at risk, but there is something you can do to keep track of your vehicle. Also today, Albertsons is suing Kroger now that the merger deal has collapsed. Clark discusses how this antitrust ruling matters - or doesn't - to us as consumers. Grand Theft Auto: Segment 1 Ask Clark: Segment 2 Supermarket Antitrust Ruling And You: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids 2024 How To Find and Claim Missing Money in Your Name How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card Best Travel Credit Cards: Top Rewards Picks for 2025 Do I Need To Unfreeze My Credit To Shop for Car Insurance? What's the Best Savings Account for a Teenager? What Brokerage Do You Recommend for First-Time Investors or Kids? When Should You File a Claim on Your Homeowners Insurance? 10 Things Homeowners Insurance Doesn't Always Cover Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Heather Samarin and Vidya Dinamani sit down with Felipe Castillo, Chief Product Officer of US Information Solutions at Equifax, as he shares his inspiring journey from engineering to product leadership. Felipe dives into the importance of customer empathy, ownership, and thought leadership in driving transformation. Learn how storytelling builds trust, why bold decisions shape success, and how Felipe navigated Equifax's monumental shift to the cloud - all while redefining what it means to be a product leader.
The Equifax advisory team reviews the U.S. economy in 2024, discussing key developments and their implications for lenders and consumers. Jesse Hardin, Em Aliff, Tom O'Neill, Dave Sojka, and Maria Urtubey explore interest rates, inflation, housing, labor trends, and consumer credit. The Federal Reserve's rate cuts aimed to cool inflation and support affordability, yet high borrowing costs persisted, impacting home purchases and refinances. The labor market showed resilience, with steady job creation, but challenges like rising unemployment and slower hiring added complexity. Consumer behaviors reflected cautious optimism as high credit card rates and rising debt levels strained budgets. The panel revisits their 2024 predictions and look ahead to 2025's economic landscape.
David Shive is one of the longest-tenured CIOs in all of the federal government and serves as vice chair of the Federal CIO Council. He also helms the IT portfolio of one of the most innovative and forward-leaning agencies across the executive branch. As such, he's an insightful leader with a strong read on the state of technology transformation across the federal government. FedScoop recently caught up with Shive on the sidelines of ACT-IAC's Imagine Nation ELC event in Hershey, Pa. During our conversation, we touched on a variety of things, including trends in digital transformation that GSA and other agencies experienced over the past year, AI adoption and what's next – as well as an interesting insight he picked up recently on where the U.S. stands compared to its allies in digital service delivery. Top lawmakers on the House Financial Services Committee are using the stretch run of this congressional term to address the impact artificial intelligence has on the finance and housing sectors. Reps. Patrick McHenry, R-N.C., and Maxine Waters, D-Calif., the chair and ranking member of the committee, respectively, announced Monday the introduction of a resolution to acknowledge the rising use of AI in financial services and in the housing industry, as well as a bill that calls on financial regulatory agencies to study the benefits of the technology within the sector. The resolution and bill are the culmination of nearly a year of work from the committee's bipartisan AI working group and come just days before a hearing that will explore how the technology is framing the future of finance. In an era where personal data is increasingly commodified, the Consumer Financial Protection Bureau (CFPB) is attempting to regulate the sprawling industry of data brokers. A newly proposed rule released Tuesday aims to put data brokers in line with the Fair Credit Reporting Act (FCRA), ensuring accountability and consumer privacy amid widespread security issues. Initially established in 1970, the FCRA was one of the first pieces of legislation aimed at protecting consumer privacy. The proposed changes by the CFPB intend to broaden the law to include data brokers, holding them to the same standards as traditional consumer reporting agencies such as Equifax, Experian, and TransUnion. The CFPB's proposed rule redefines consumer reports to encompass any broker that obtains personal data related to credit and financial assessment.
The dreaded data breach notification... It tells you your personal data's been compromised and suggests steps you can take to minimize the potential harm. On today's episode, Kenny Malone pulls out a data breach letter he received and goes over what it recommends with Amanda Aronczyk. Amanda recently did a show about the legal and illegal markets for data and tells us how useful these steps actually are. It's news you can use to protect yourself, whether or not you've been part of a data breach.This normally would be a bonus episode just for Planet Money+ listeners. With this being the season of giving though, we're sharing this one with everyone! To hear more bonus content like this, regular episodes sponsor-free, and support the work of NPR, sign up for Planet Money+ at plus.npr.org. Related links:Data Breach Response: A Guide for Business (FTC)Have you been affected by a data breach? (FTC)Your Technology Is Tracking You. Take These Steps For Better Online Privacy (Life Kit)What happens after you get scammed? Can you get your money back? (Planet Money)Firewalls Don't Stop Dragons (cybersecurity and privacy podcast) Experian (credit bureau)TransUnion (credit bureau) Equifax (credit bureau) Always free at these links: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Find more Planet Money: Facebook / Instagram / TikTok / Our weekly Newsletter.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy
Zello, Cloudflare, Equifax, Geico, Travelers, LifeLabs, and US Military Personnel(!) hacking Snowflake is all the insanity you need this week!
We're one week out from Thanksgiving, and holiday shopping is in full swing. One thing to consider - return policies. Clark has a personal story to share that saved him big money. Also, this season of giving arrives with credit card debt at an all-time high. A Clark smart assignment for you. Return Policies: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Plan Finder – Find and Compare Phone Plans - Clark.com Budgeting Basics: What You Need To Know To Get Started Best Budgeting Apps in 2024: Our Top 5 Budgeting & Saving Archives - Clark Howard The Best Place To Buy a Mattress How Can I Get Rid of My Old Mattress Cheaply? Should I Freeze My Credit With the Other Credit Bureaus? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices
Are you keeping up with the changing payment preferences of your customers? From Buy Now, Pay Later (BNPL) to digital wallets, if your payment strategy isn't evolving, you might be missing out on where your customers want to be. Welcome to today's episode, where we're exploring the rapidly changing landscape of online payments with Will Mavromichalis, Director of Sales, Identity and Fraud at Kount, an Equifax Company. We'll dive into the technology and generational shifts impacting payment behaviors, and discuss how retailers can stay ahead of the curve while managing fraud risks. William Mavromichalis is a 10-year technology sales veteran and has been with Kount for the past five years. During his time at Kount, Will has held a variety of roles geared towards revenue growth and strategic partnerships. As a sales leader, Will is focused on growing the global footprint for Kount and Equifax by leading a team of seasoned account executives. While leadership is his passion, Will enjoys rolling up his sleeves with his team to solve the complex identity and fraud business challenges that merchants face on a day-to-day basis. When he is not working you can find Will spending quality time with his wife Kathryn, and two daughters Mila, and Viola. RESOURCES Kount website: https://kount.com/ Wix Studio is the ultimate web platform for creative, fast-paced teams at agencies and enterprises—with smart design tools, flexible dev capabilities, full-stack business solutions, multi-site management, advanced AI and fully managed infrastructure. https://www.wix.com/studio Register now for HumanX 2025. This AI-focused event which brings some of the most forward-thinking minds in technology together. Register now with the code "HX25p_tab" for $250 off the regular price. Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstrom Don't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.show Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company
Today, Clark discusses what's going on with U.S. oil prices from a global perspective, in light of potentially escalating conflicts in the Middle East. Also, Medicare open enrollment is underway. With all the upheaval with Advantage plans this year, it's more important than ever to understand the changes in your plan, and compare your options. Clark has a valuable resource to help you make the best choice. Oil & Gas Prices: Segment 1 Ask Clark: Segment 2 Medicare DisAdvantage Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does the Brand of Gasoline Really Matter? Phone Plan Finder – Find the Best Plan For You - Clark.com Consumer Reports -We've Lab-Tested Hundreds of Refrigerators. These Are the 12 Best Fridges of 2024. Medicare Advantage giant Humana reels after ratings cut SHIP State Health Insurance Assistance Program - Navigating Medicare Where You Should Never Buy Travel Insurance for a Cruise Travel Insurance: What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
In the news we're seeing stories of travelers stranded and out thousands of dollars, because of the way they booked flights and hotels. Clark explains how to avoid this trap when making your travel plans. Also today, why PBMs - the prescription benefits managers included in many employer insurance programs - are often more costly than self-paying for meds. Clark gives you ways to save more on prescriptions. Warning - Fake Travel Agencies: Segment 1 Ask Clark: Segment 2 How To Shop Prescriptions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Travel Archives - Clark Howard How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion FTC sues drug middlemen for allegedly inflating insulin prices 10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? Raisin Review: Can You Trust This Online Savings Marketplace? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Did you hear about the clever woman who sent an AirTag to herself to catch a mail thief? These devices are proving handy for a lot of reasons. Also, what is the best energy source we have in the United States? That's a trick question. Clark explains. Tracking Devices: Segment 1 Ask Clark: Segment 2 American Power Production: Segment 3 Ask Clark: Segment 4 Mentioned on the show: California woman fed up with stolen mail sends Apple AirTag to herself to catch thief Best 529 College Savings Plans By State What To Do With a Lump Sum, Inheritance or Windfall What Are Index Funds? 10 Ways To Save Money on Car Insurance WSJ: More Th an 40% of World's Electricity Came From Zero-Carbon Sources in 2023 How To Get a Free Credit Report / How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should You Make Your Child an Authorized User on Your Credit Card? How To Buy a Used Car Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's episode - Clark recently saw a quote from one of the stars of “Shark Tank” about how much we waste money on daily habits, offering a new way to think about spending categories to locate areas where you can - Spend Less. Also, biometrics are clearly here to stay, and they can be a big positive for security. But what are you willing to give up, and how secure is your secure information? Daily Spending: Segment 1 Ask Clark: Segment 2 Biometric Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Keep Old Credit Card Accounts Open My 7 Rules for Using Credit Cards - Clark Howard TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? CLEAR Brings TSA Pre-Check Enrollment to 6 More Airports Why You Should Consider Applying for Global Entry Right Now Pay-Per-Mile Insurance: Is It Worth It? Mile Auto Insurance: A Firsthand Review Metromile Insurance Review: 6 Things To Know Best Airline Credit Cards for 2024: Are They Right For You? Are Airline Miles Worth It? Credit Karma Review: Free Credit Score and More at Your Fingertips How to Freeze Your Credit With Experian, Equifax and TransUnion How To Monitor Your Credit / How To Get a Free Credit Report Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Team Clark is getting many questions about the recent massive data breach, possibly the second largest breach in history and one that includes social security numbers. Find out what you need to do about the National Public Data Breach. Also, Clark discusses how there's a right way and a wrong way for companies to implement dynamic pricing. Evidently, some companies are taking the practice way too far. Data Breach Guidance: Segment 1 Ask Clark: Segment 2 Dynamic Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: DATA BREACH GUIDE - Clark.com Credit Lock vs. Credit Freeze: What's the Difference? How to Freeze Your Credit With Experian, Equifax and TransUnion LA Times: Massive data breach that includes Social Security numbers may be even worse than suspected NYTimes: What to Know About the Latest Social Security Number Breach Nearly 3 Billion People Hacked in National Public Data Breach. What You Need to Know Seven Things to Do Right Away If You're a Victim of a Data Breach Data broker suggests fraud alerts after Social Security number breach [The Washington Post] Our data isn't safe. Resist giving it up whenever you can. E-Verify: Home DOT-File a Consumer Complaint Submit a complaint | Consumer Financial Protection Bureau [The Washington Post] Anger over Oasis ticket prices sparks U.K. review of dynamic pricing Companies love dynamic pricing... customers not so much World's Largest 3D-Printed Neighborhood Is Almost Finished In Texas These concrete homes want to take over your subdivision Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
As many as 272 million people had their social security numbers leaked in a hack - Nicole is one of them, and you might be too. Today, Nicole explains how this leak happened, how to know if your data is exposed, and what to do to protect yourself. Here is the website Nicole used to see if her data was leaked in the breach: https://www.npdbreach.com/ Learn more on freezing your credit with Equifax here: https://www.equifax.com/personal/credit-report-services/credit-freeze/ Learn more on freezing your credit with TransUnion here: https://www.transunion.com/credit-freeze Learn more on freezing your credit with Experian here: https://www.experian.com/freeze/center.html Learn how to freeze your utilities here: https://www.exchangeservicecenter.com/Freeze/#/ Learn how to do a banking freeze here: https://www.chexsystems.com/security-freeze/place-freeze Learn how to do an employment freeze here: https://assets.equifax.com/wfs/theworknumber/assets/twn_Employment_Data_Freeze_Request.pdf All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Brokerage services for alternative assets are offered by Dalmore Group, LLC, member FINRA & SIPC. Brokerage services for treasury accounts offering 6-month T-Bills are offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank. Securities investments: Not FDIC Insured; No Bank Guarantee; May Lose Value. Brokerage services for Regulation A securities are offered through Dalmore Group, LLC, member FINRA & SIPC. Risks at public.com/disclosures/alts-risk-and-conflict-of-interest-disclosure See public.com/#disclosures-main for more information.
Influenced by market noise, many struggle with financial decisions regarding their investments for the future. What is the ideal mix of stocks, bonds, domestic and overseas funds? Vanguard just came out with some new recommendations. Also, Clark shares something that should ease your mind about the future of jobs with AI and other rapidly changing technologies. Investment Decisions: Segment 1 Ask Clark: Segment 2 The Future Of Work: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Your 60/40 Portfolio Isn't Safe. Inflation Is the Reason. Barron's Clark.com - Invest & Retire Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Should You Get a Store Credit Card? Receipt Hog: 4 Things To Know About Earning Cash Back ReceiptPal Review: 5 Things To Know Before Earning Cash Back You're probably doing a job that didn't exist in 1940. Will yours exist in 2040? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark Warns Major Changes To Credit Card Rewards Are Coming Soon 5 of Clark Howard's Most Extreme Frugal Hacks Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
There are a lot of bonus offers coming from big banks right now, trying to capture multiple lines of your business. Should you go for it? Depends. Clark explains. Also - Consumers collectively seeking store brands to fight inflation is paying off. The big box retailers are battling it out with their private label items as they compete for private label dominance! Big Bank Bonus Offers: Segment 1 Ask Clark: Segment 2 Private Label Price War: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Banks Are Offering Bigger Cash Bonuses. How to Decide if You Should Switch. - WSJ Are Money Market Funds a Safe Place To Stash My Savings? Top 10 Small Business 401(k) Plan Providers How To Open a Roth IRA / What Are Index Funds? How Walmart-owned Sam's Club is trying to take on Costco's private label Kirkland Walmart is opening five automated distribution centers as it tries to keep its grocery dominance Why You Should Keep Old Credit Card Accounts Open Navy Federal cashRewards Card Review: Cash Back Credit Card Should I Update My Income With My Bank or Credit Card Company? How To Monitor Your Credit How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Target has announced it will no longer accept one form of payment. Clark shares why this is a good idea, with a payment method warning for you. Clark Stinks: Segments 1 & 2 Using Checks- A Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Get an Identity Protection PIN (IP PIN) Retrieve your Identity Protection PIN (IP PIN) Where To Buy the Best Cheap Printer How to Freeze Your Credit With Experian, Equifax and TransUnion Career opportunities - Careers - About.usps.com How to Avoid Paying Vacation Rental Fees Target will stop accepting this old-school form of payment What Is Mortgage Protection Insurance and Do You Need It? 4 Insurance Policies You Actually Need (and 5 You Don't) What Is Disability Insurance and How Does It Work? Southwest Airlines Is Ending Open Seating. Here's What This Historic Change Means for You Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
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