Personal Finance

Digit Review Scam Legit or Necessary?

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digit automated savings

Digit is an automated savings service. As always, my first question in a Digit review is, Is Digit a Scam? Then, if Digit is legitimate, the question is what exactly this online financial service does and is Digit worth it for the average person’s personal financial situation. Is Digit safe? I checked out some Digit app reviews and then dug into the details myself. If you are looking for something similar, but that invests the money and doesn’t calculate its own savings (it’s a roundup savings app) check out my Acorns reviews. Is Digit A Scam? The burden of proof for calling something a scam differs based on what exactly it does, and what can be shown from available sources. Digit is a venture capital-backed internet start-up, raising money from, among othe rs, Google’s own venture capital arm. That in itself doesn’t mean it is not a scam, but it does mean that it isn’t some fly-by-night hacker operation looking to steal a few credit card numbers and email addresses. Is Digit Legitimate? Since Digit is a legitimate business and not just a scam to steal your banking information, the question becomes whether Digit is necessary. The idea is that …

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How Much Does It Cost to Charge an Electric Car In Colorado?

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How Much Does It Cost to Charge an Electric Car In Colorado? 1

Real world cost to charge an electric car in Colorado using current Xcel Energy rates. Somewhere along the lines, the entire country got divided into liberals and conservatives and the one hates the other one and thinks they are trying to ruin the country, and vice versa. Of course, once you get off of Twitter or whatever online/social media/internet/news website thing there is and get out into the real world where the sun shines, and people actually buy cars and drive them to work and stuff, things aren’t really that crazy. Out here in the real world, you might wonder if you live in Colorado how much it would actually cost you to charge an electric car. Let’s find out. I Bought an Electric Car and I Charge It at Home I’m not a political nutjob, but I did stay at a Holiday Inn Express last night. Just kidding. I am a regular guy though, and I did buy an electric car. Why? Why not? I like cool new technology and electric cars are cool new technology. Regular cars have basically run the same for over a hundred years now. Dig black goo up out of the ground, and burn …

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Real Credit Scores for Free

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real credit scores with a phony graphic

Can you get a real credit score for free? The answer is yes, no, maybe, and well… sort of. If you don’t like that answer, let’s jump right in with some specifics that will make it clear whether or not you can really get real credit scores for free. Real Free FICO Credit Scores One of the issues with free credit scores is the idea of what a real, true, or legitimate credit score is. Technically, there is no such thing as a real credit score or true credit score. This isn’t physics. All credit scores are mathematical models of the information on your credit report. This produces a number that lenders can use to determine the approximate default rate of borrowers. In a way, it is similar to the mortality rates life insurers use to price life insurance. It doesn’t matter if it is right or wrong for a single person, as long as the overall pool of insured (or borrowers in this case) behaves as predicted. What Is a Real Credit Score? Theory aside, in the real world the vast majority of lenders use the FICO credit score by Fair Issac when they make lending decisions. Different lenders …

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WalletHub Review Is It Legit or Scam Free Credit Reports

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wallethub reviews

WalletHub reviews are mostly positive, but let’s take a deeper look into exactly who WalletHub is, and what they do. What Is WalletHub? WalletHub is an online financial service that offers personal finance tools for users. The main offering is a daily free credit score, and the related free credit report. After taking a close look, here is my WalletHub review. Is WalletHub Legit, or is WalletHub a scam? In order for a company to pull and use your credit report, and then calculate a credit score, it will need to collect personal identifying information. This is exactly the kind of information you don’t want to be handing off to a scammer, so the first item of business with a company like this is determining if Wallet Hub is legitimate or not. So, the first step of any Wallet Hub review needs to be finding out who they are. WalletHub is an offering by a company called Evolution Finance. The company was founded in 2008, according to Bloomberg, and has been mentioned numerous times in the media. The original product was a credit card comparison website called CardHub. This isn’t a WalletHub scam necessarily. You can still get there if you …

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Unclaimed Property Utah

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unclaimed property Utah unclaimed property

Unclaimed property Utah refers to abandoned financial assets such as uncashed checks, forgotten bank accounts, and security deposit refunds. The state of Utah, like many others, has a system in place to reunite owners with their lost or forgotten assets. The Utah Unclaimed Property Division is responsible for safeguarding and returning unclaimed funds to their rightful owners. Utah returns millions of dollars in unclaimed property to its residents each year. To simplify the process, there are several resources and websites that can help verify if someone has unclaimed property in Utah. The official My Cash Utah website is the best way to search for lost or unclaimed Utah property. Understanding Unclaimed Property in Utah Unclaimed property refers to monetary assets that haven’t been claimed by their rightful owners after a designated period of time. In Utah, unclaimed property may include bank accounts, payroll checks, stocks, bonds, and insurance benefits, among others. The state’s Unclaimed Property Division (UPD) is responsible for collecting, safeguarding, and returning these items to their rightful owners. Utah’s Unclaimed Property Act sets forth a specific process for handling these lost assets. Financial institutions and other organizations, called holders, are required to report unclaimed property on an annual basis to the UPD. …

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Unclaimed Property Wyoming: Getting Back Your Money

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unclaimed property

Each year, millions of dollars in unclaimed assets in Wyoming are turned over to the state by banks, businesses, and other organizations. These assets can include uncashed checks, abandoned bank accounts, and forgotten stock holdings. Wyoming Unclaimed Property Division acts as a custodian, taking responsibility for the safekeeping of these assets until they’re rightfully claimed by their owners. The process of locating and claiming unclaimed property in Wyoming is relatively simple and can be done with minimal effort. Whether you’re a current or former Wyoming resident, it’s essential to conduct a search for unclaimed assets periodically, as new properties are continuously reported to the state. Online databases maintained by the Wyoming State Treasurer’s Office allow individuals to search for unclaimed property using their names or other identifying information. In many cases, unclaimed property can help individuals recover forgotten funds that can be put to better use. The Wyoming Unclaimed Property Division stands ready to assist in connecting rightful owners with their unclaimed assets. Utilizing the state’s resources, anyone can take advantage of the opportunity to find and claim any unattended properties that might be waiting for them. Understanding Unclaimed Property Unclaimed property refers to various types of financial assets that have …

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Colorado Unclaimed Property

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Colorado Unclaimed Property 2

Like most states, the Great Payback Colorado program lets citizens search for Colorado unclaimed property for free. When you find Colorado unclaimed funds, or your Colorado lost property, you can look for payback. The Great Colorado Payback With a bit of corny name, the State of Colorado hopes to catch the attention of the people of Colorado and let them know that the State might be in possession of money that belongs to them. Where Does Colorado Unclaimed Property Come From? Contrary to popular belief the Great Payback Colorado program is not a contest. It is not a lottery. It is not a game. It is a way to get unclaimed money Colorado has on hold for you. There is no way to get extra money. When a bank, or other business, or organization has money or other property that belongs to a customer, they contact that customer and remind them about it. If they are a former customer, they will try the last address, and phone number on record. If they cannot find the owner of the money after a certain amount of time, they turn the account over to the State. The state holds unclaimed property in hopes …

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Credit Bureau Phone Numbers

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Credit Bureau Phone Numbers 3

Why would you need credit bureau phone numbers? Your credit score is a critical component of your financial wellbeing. Your credit score is computed from the information in one of your credit reports. Those credit reports are maintained by the major credit bureaus. If there is an issue with your credit report, you’ll have to fight your way through the standard red tape of major corporations with the added complication that you aren’t really the credit bureau’s customer, so they really aren’t very interested in hearing from you in the first place. Finding a useful credit bureau phone number is, therefore, sometimes tricky. Before Calling a Credit Bureau Before you grab your phone and dial hoping to get credit bureau phone numbers live person access, consider whether or not calling the credit bureau will actually be useful to you. For example, if there is some incorrect information on your credit report, it may be better to dispute the wrong information in writing. Even if you call directly to the CEO, disputes still have to be made according to the credit bureau’s dispute procedure, so calling the wrong number is a waste of time. Also, if you wish to enter your …

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Credit Karma Credit Monitoring Review

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Credit Karma made waves when it started offering free credit scores online. At first, many people, including me, were worried that the whole thing was just a big Credit Karma scam. However, after doing some research into whether Credit Karma is legit and even doing an in-depth CreditKarma.com review, I realized that while there may be some concerns over Credit Karma’s accuracy, there is nothing underhanded about the online financial service. Credit Karma also offers a free online tax filing service. You can find Credit Karma tax reviews here. Credit Monitoring Scam This year, Credit Karma is offering its registered users something new. They are expanding beyond their flagship service of offering to show users a free credit score and moving into offering free credit report monitoring. One of the biggest financial scams in America comes courtesy of the credit reporting industry and the three major credit reporting bureaus. In class Mafia-style extortion, a tough looking guy visits a local business. He says that bad things might happen to his business. In order to be safe, he should pay for “protection.” Of course, the only protection the business needs is from the crooks offering the protection. Credit reports and credit …

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Texts From a Friend Text Message Scams

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a texting scam

Text message scams are nothing new, but they used to be really obvious. Like anything else, scammers evolve to keep getting paid. Innocent Texts from a Friend Came across a news story today that finally answers a question of mine. About a year ago, I got a text from “Steve.” Now, I have an uncle named Steve, and although we don’t text, it was not beyond the pale that he ever would. He was friendly, asked how it was going. He asked about “that beautiful wife” and my kids. This was probably a 15 or 20 text conversation when I asked something kind of specific about my cousin that would have been obvious to the real Steve. The scammer didn’t know about that, so he said something like he didn’t know about it (impossible) so I stopped answering and went back through my texts. Just like that scene in Enemy of the State where he asks, “Did he say it first or did you say it?” – I realized that other than the opening question or two, everything cleverly piggybacked off my answers to make it sound like we knew each other. I stopped replying and after another few messages …

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