While a college degree is well worth the money, student loans can give anyone the blues. According to the Consumer Financial Protection Bureau, student loan debt is more than $1.3 trillion and continues to rise. For many younger Americans, it has become the largest household debt.The Department of Education offers forgiveness programs to help borrowers with student loan debt. These programs include the Public Service Loan Forgiveness program and the Teacher Loan Forgiveness program. Both programs are designed to alleviate the student loan burden. [Read more…]
Hey, listen! Making it rain doesn’t necessarily have to be in the club! It could be at Macy’s One Day Sale, impressing your friends, or simply spending money that should have been set aside for bills.
One of my favorite passages in the Bible reminds us to consider our ways! Haggai 1:6-7 reminds us that although we make a lot, we are unable to keep any of it.
So, if in 2014 you found yourself “making it rain” in all the wrong places, here are a few tips to get a handle on your finances for 2015. [Read more…]
My personal finance blog, Kemberley.com, is based on five principles I believe are necessary to obtain a financial healing. These five principles have not only been a blessing to others, but have also been a blessing to myself to get my own personal finances in order. I refer to these principles as the B-A-D-G-E! [Read more…]
Celebrities such as Hunger Games’ actress Jennifer Lawrence, model Kate Upton, singer Rihanna and socialite Kim Kardashian were among those whose photos were hacked and posted to a website.
The FBI has begun to address the matter and have started questioning those that may be involved, according to Associated Press.
While it is unclear how the photos were obtained, it is definitely a reminder and lesson for us all. Each and everyday, we take for granted the vulnerabilities of the Internet. We have become so accustomed to uploading, downloading, sharing, posting, and going about our daily business that we forget about the vulnerabilities that exist.
Even worse, we forget as we post, backup, share or sometimes delete, that we may leave a permanent “digital footprint.”
So, what can we do to protect ourselves?
If you are anything like my mother, you may choose to forego the use of cloud storage, banking online and social sharing altogether. But hey, this isn’t practical for many of us. So for the rest of us, here are a few tips to protect ourselves in the digital world.
1. Build stronger passwords
Recent studies have found many security breaches are due to weak passwords. You know the ones…”123456” or “abcdef.”
Yes, seriously, people still use these!
So, if your passwords are simple, your child’s name, your date of birth, it is time to get to work. Consider using passwords that are not found in the dictionary and are a combination of letters, characters and numbers.
More importantly, do not use the same password for different accounts. This way, if one account were breached, it would be difficult for other accounts to be breached due to various passwords.
2. Think twice
Hey, we may have all been careless about sharing, saving or posting documents online with sensitive information. But we simply must think twice!
We have to ask ourselves:
- If this account were hacked, would I want this information leaked?
- Could it cause identity theft?
- Do I want to share this personal information with the world?
3. Forego cloud sharing services
If possible, consider foregoing cloud sharing services altogether. This may sounds ‘old school,’ but consider using external devices for documents, photos and other sensitive items that you do not want to share.
In addition, consider disabling your cloud sharing services, such as iCloud for now. Here is a link with step-by-step instructions to do so.
Hope this helps. This recent scandal is a reminder to us all that we have to be careful with storing and sharing online.
And thanks to all who have emailed about the article I wrote last week! If you are interested in taking a #Kemcents personal finance course drop me a line at email@example.com!
Remember: your choice your future!
Kemberley Washington is a professor at Dillard University and a certified public accountant. Check out her ebook, Let your budget inspire you!
All I can say today is – WALK IN YOUR PURPOSE! Not just any purpose, your God given purpose. When you surrender and submit to God, your life will continuously shine before others and there is no one or anything that will be able to stop you!
Commit to Him
I write to you today as I just received a note from the YouVersion Bible App (an app that reaches millions) that my book, The Ten Commandments to a Financial Healing was the 2nd most downloaded devotional plan on YouVersion for the month of June! This is just a testimony that when we step into God’s plan for our lives that our lives will never be the same.
This road ain’t easy!
I have to tell you this road has not been easy. I recall moving at my own speed and moving where I wanted to go, and while I have been successful, real success came when I created His purpose for my life (<<<a must read!). While I didn’t quite understand why God instructed me to travel various paths, I know God knows best. Each and everyday I am becoming less of the woman I knew and more of the woman He has designed.
Take the challenge
While today I am not talking much about finance, I do challenge you. Not only to get your money right with God, but most importantly your life. God won’t accept you walking on the fence. If you want to walk in His true purpose and calling, you have to give Him your all. Tweet: There may be many choices, options and roads for you to travel, but only God has one purpose and plan for your life. It is in that purpose that your light will shine before men.
Thanks again for all who have entered into the $100 giveaway. I have received some very touching stories and have finalized it to three finalists. To find out who they are, visit our Facebook page and vote for your favorite person to win. Names have been concealed to protect the innocent!
Take care and be blessed!
Kemberley Washington is a professor at Dillard University and CPA. Follow her on Twitter @kemwashcpa.