Debt, Credit Card & Consolidation Current News Digest

This post is from GRS staff writer April Dykman.

For many people, mindful consumerism starts with questioning the desire to buy Stuff. The reason might be to save money or avoid clutter — maybe both. It’s the first part of a journey to differentiate needs from wants and make mindful decisions about where to spend our hard-earned money.

But at some point, most of us will consume. We’ll buy food or clothing or household items. We’ll need to replace something, fix something, or upgrade something. When we make these purchases, we’re playing a role in a process. Much goes into creating a product and getting it on the shelf, though as a consumer, we don’t see that process. We don’t know if the companies involved in bringing it to us have decent working conditions for employees, pollute water systems, or include additives that pose health risks to our families.

Daniel Goleman, author of Ecological Intelligence: The Hidden Impacts of What We Buy, wrote about considering the global effects of our purchases in his essay, Making the Right Choice:

An organic cotton t-shirt may be called “green” because they didn’t use pesticides or chemical fertilizers when growing the cotton. That’s on the good side of the ledger, to be sure, but if we look into the life cycle of the t-shirt, we discover that organic cotton fibers are shorter than other fibers, so you need to grow a lot more cotton per t-shirt. Cotton is typically raised in arid parts of the world, and it’s a very thirsty crop, so a lot of water is implicated in the production of the t-shirt.

Also, if it’s a colored t-shirt, we have to take into account that textile dyes tend to be carcinogenic. When we consider all these angles, we may come to see that if you change one thing about a product and leave 999 unchanged, it’s not green.

It’s enough to make the average consumer’s head spin. Most people would like to make informed choices and reward companies whose processes make us feel good, but doing this in practice is daunting. If a busy parent is in the grocery store with two children to wrangle, it’s not feasible for that person to stop and trace the life cycles of Cheesy Poufs versus Cheddar Puffs. People can’t be expected to spend hours on the web researching the health, societal, and environmental effects of every purchase. Not gonna happen.

Technology provides the tools
Luckily, it’s getting easier to know what’s behind a brand. Skin Deep and GoodGuide are two web databases that provide the backstory on the Stuff we buy.

• Skin Deep is a safety guide to cosmetics and personal care products researched by the Environmental Working Group. You can search by product, ingredient, or company, and the site will return a hazard rating with the product broken down by ingredients.
• GoodGuide is a database of more than 70,000 food, toys, personal care, and household products that rates the products and companies based on the effects they have so that users can make informed decisions based on what is important to them.

For example, GoodGuide provides information about Quaker Quick Oats, which it rates a 7.3 overall (out of 10), and Nature’s Path Organic Instant Hot Oatmeal, which is rated 6.7. We might assume that the organic brand would be healthier, but in fact it’s higher in sugar than similar products. When it comes to environmental effects, Quaker Quick Oats scores lower for water and energy management. Users can delve deeper into how these ratings are determined by clicking on See All Data.

The brainchild of Dara O’Rourke, a professor at University of California-Berkeley, GoodGuide was developed with experts from Harvard and MIT, with tech input from talent at Google, eBay, Amazon, and Intuit. And the tech part is what makes GoodGuide great. The database is available as an iPhone, iPod Touch, and iPad app that allows users to scan barcodes and compare products. Users also can create personalized shopping lists and lists of products to avoid, making it easier shop mindfully when you’re on the go.

Start small
If you’re interested learning more about where your Stuff comes from, make a few changes and build from there. Don’t feel like you have to throw out all of the “bad” Stuff you own and replace it with the “good” Stuff. To start, pick one product you’re curious about, and see if it’s listed on Good Guide or Skin Deep. How does it score? Is there a better alternative that will still meet your needs? Often the better-rated product also is the less expensive, which is a great bonus. In fact, I’ve slowly replaced my skin-care products with cheaper products that also rate better when it comes to health and societal effects. Sometimes the expensive products packaged in “green”-looking bottles rate surprising low.

I’m interested to know what you think about databases like Skin Deep and GoodGuide. Have you ever wondered how some of the products you buy get to the shelf? Would you use tools like these to learn more about the effects of the Stuff you buy?

—
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We just wrote about Citi credit cards the other day, and here’s a little follow up. A lot of banks and credit card companies are striving to go mobile, with Citibank being one of those institutions in the forefront of this kind of technology. In fact, Citi just came out with another application — the Citi Mobile(SM) application for the iPhone — to add to their Mobile Banking Suite. So if you’re an existing Citibank credit cardholder, you’ll have the extra benefits offered by the Citi Mobile Application to connect and manage your account information while you’re on the go. This iPhone tool is intended to help you manage your banking and spending tasks more effectively.

How To Use The Citi Mobile App for the iPhone

The Citi Mobile(SM) App for the iPhone is available for free and can be downloaded through this link, for those who are already existing Citi card customers. Here are the general steps to take to get going:

• Enroll your iPhone in Citi Mobile.
• Download the Citi Mobile application, which is available for free on Itunes and the Apple App Store.
• Just sign into the application by using the same User Id and Password that you use for accessing your CitiCards.com account.

Here are some of the application’s banking and card account management features:

• You can check your balances in various accounts, including checking, savings, home equity, credit card, personal loans, and mortgage accounts.
• You can pay bills and track payments through the app.
• You can move money between your Citi accounts.
• You can check your credit card account balance and available credit easily.
• You’ll see the details of your latest transactions.
• You’ll see the date that your next payment is due so you can be proactive about your payments.
• You can track and manage your credit card rewards (e.g. check out the Citi ThankYou Points Network).
• Use text messaging to ask for your balance, minimum payment and recent transactions. Text MYCITI (692484).

That’s it! For more details on the Citi Mobile application, please visit this link.

Now if you’re not yet a card member but want to apply for one of Citibank’s credit cards, you can check out the following offers:

• Citi Platinum Select MasterCard
• Citi Forward Credit Card
• Citi Forward Credit Card for College Students
• Citi mtvU Platinum Select Visa Card for College Students

Citi Mobile for the iPhone Free Download

Citi is one of the first credit card companies to produce their own branded iPhone app – called Citi Mobile. It’s pretty much what you’d expect, all of the functionality of the Citi website packaged up in a nice little iPhone app. With the banking part of the app, you can look up ATMs and branches (a great way to avoid fees, it even maps directions for you), check balances, pay bills, and get straight to customer service. With the credit card part of the app, you can check balances and reach customer service. I’m pretty impressed (here’s an interactive tutorial).

I’m really starting to like how credit card companies and banks are coming out with their own iPhone apps. As much as I like online personal finance tools (like Mint, Yodlee, and others) and their apps, there is always the specter of security and identity theft hanging over them. I know that they’re 99.99999% safe, but there’s always that little sliver of doubt. When I give one of the credit bureaus my social security number to get my credit report, I’m less worried because they already have all that information. When I view my Citi mtvU credit card information on their Citi Mobile applications, I’m less worried about security because it’s Citi. They already have my credentials and my information. I’m not giving it to a third party (even if they encrypt it and say they never look at it).

The slickest app is, of course, reserved for the iPhone (no iTouch version yet, though they’re supposed to come out with one later this year) but there versions for dozens of other models. Unfortunately, the Palm Treo, my phone, isn’t one of them so I won’t even be able to play with the non-iPhone version. Maybe I’ll join the cool kids this year and get an iPhone… until I realize the service plan is like a hundred bones a month.

My hope is that every financial services company produces one of these and I suspect, in the coming months, they will.

Citi Introduces Credit Card & Banking iPhone App from personal finance blog Bargaineering.com.

This post is from GRS staff writer April Dykman.

I have a friend who just doesn’t see himself. He has declared bankruptcy twice and alcohol abuse landed him in jail for the past year. Despite losing almost everything, when he was released he was talking about how much money it would cost to get his iPhone back in service. To make the situation more frustrating, he largely blames others for his circumstances.

We all know someone that makes us shake our heads and wonder why he or she continues to repeat the same self-destructive behavior. But how often do we consider the likelihood that we, too, are not seeing ourselves clearly?

Self-study is a tricky process, but it’s the only way to create lasting, positive change, whether it’s a change in how you handle your finances, your relationships, your weight, or any other life area with which you struggle.

Revealing the positive
Self-study doesn’t require sitting in front of a mirror or retreating to a cave. In fact, usually it’s activities to which we’re naturally drawn that uncover our strengths and teach us about ourselves. Writing, sports, travel, music, dance, photography, woodworking–any activity can be an act of self-study if there’s an intention to learn about yourself and a commitment to stick with it. The sticktoitiveness part is key, since it’s usually when something becomes difficult that we learn the most about ourselves.

As a personal example, one of my favorite activities is kayaking. I took lessons in college, and during our last lesson, we were to circle a small island near the dam. The river was usually calm, but recent thunderstorms made the water choppy, and we had to fight a current to circle the island.

A few students couldn’t make it and were swept back, deciding to meet us on the other side. I pushed through and made it around the island. I felt a surge of pride, and our teacher was greatly impressed that students with only four lessons could paddle against the current. My sheer determination to accomplish a goal was something positive I learned about myself.

Facing the negative
The downside to self-study is that you start to learn things about yourself that might be unpleasant. Self-study can reveal weaknesses, shortcomings, obsessions, bad habits, and less-than-attractive behavior of which you either weren’t aware or have been ignoring for years.

When my boyfriend (now husband) and I went kayaking together for the first time, I was psyched to share my love of paddling with him. We rented a tandem kayak and set out into the water. I explained the basics, and we started to paddle toward a spring. Only he wasn’t in unison with me, so we were having to work too hard. And sometimes he wasn’t holding his paddle at a 45-degree angle. And where was that push-pull technique I showed him? After helpfully pointing out these things, thinking only of perfecting his paddling skills, he smiled and said, “I thought this was supposed to be fun.”

(Can you see why I married the guy? He’s the only one that can kindly point out that I was being a killjoy perfectionist without using those words AND make me laugh about it at the same time.)

Here I was ruining a lovely day on the lake, not enjoying the scenery or the company, because I was concerned with kayaking technique.

Acknowledge and accept
If you’ve read some of my other articles at GRS, you know I stress going easy on yourself. This is because my first inclination has always been to berate myself for every shortcoming and every failure, real or perceived. But it never got me far, so I started to ease up on myself. I emphasize cutting yourself some slack both for your benefit and to remind myself of the same thing! Rather than berating yourself for being an insensitive egomaniac (or a killjoy perfectionist), acknowledge and accept the behavior.

This does not mean that you continue to be a first class jerk because you are who you are, it means that you recognize that you do it. You accept that this is the way you act sometimes. By accepting what you discover about yourself, you can get closer to the source of the behavior. You can’t think constructively about what causes you to react a certain way and learn to handle or redirect the habit if you’re busy hating yourself.

“Self” doesn’t mean “solo”
Self-study is not easy. It can be difficult to separate our perceptions from the truth because we usually see things the way that we’ve been taught to see them from the time we were children, and sometimes the way we’ve been taught to see things is distorted.

In many ways self-study is a solo task, but if our perceptions are distorted, it can be impossible to see ourselves. For this reason, you need a mentor. Mentors can be teachers, close friends, family members, or anyone who you trust to see your weak spots. I wouldn’t have noticed what I was doing that day on the lake if my husband hadn’t called my attention to it.

Once you have a person in mind, find some quiet time and mention that you’ve noticed that you are a bit of a killjoy perfectionist (obviously substitute the weakness for your own, but feel free to use mine if applicable). Ask your person if he or she has noticed it. Talk about possible causes of the feelings or behaviors, and ways to redirect them. Tell your person that you want to work on improving yourself, and ask for help when he or she notices the negative actions.

Self-study is hard work, but it’s worth it.

Have you ever discovered something negative about yourself that you’ve intentionally worked to overcome? Was it hard to own up to it? How did you redirect the feelings or behavior?

—
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About once a year, computer security news leaps out of the technology section and onto the front page and the top of network news broadcasts.  This year, the day was April Fools' Day, as the Conficker worm became the latest malicious program with the power to eat the Internet.  Somehow, we soldiered on, most of us without ever having to kick on the emergency power generators or dig into that can of spam in the basement shelter.

But Conficker, while no dramatic outbreak, was also no laughing matter to the hundreds of thousands of Web users who were infected.  The problem with the hype cycle in computer security news is that it can have an incremental "cry wolf" effect on computer users.  The odds that the Internet will topple over in 2010 are, once again, quite low.  But serious threats abound and bad guys are mostly still outpacing good guys in our virtual world, which will be slightly more dangerous than this year. Here are 12 reasons why:

1. E-mail attachments are back

The LoveBug and Melissa virus, which did bring the Web to its knees 10 years ago, both used the simplest of delivery mechanisms — an e-mail attachment.  Sure enough, that method stopped working after companies banned attachments and users wised up. Attachment viruses nearly dried up.  Then, a new generation of users came online who hadn't learned the Melissa lesson and older users forgot. So this year, virus writers began dusting off their old methods and — surprise! — they worked again.  Next year, be on guard for unexpected attachments,  says Carl Leonard, head of the Websense threat lab.

"Sometimes you think this stuff has gone away and then it comes back," he said. "We're definitely seeing an uptick in Trojans that come through e-mail." 

2. Anti-virus products less effective

Old-fashioned virus screening tools now catch only about three out of every four viruses through what's called "signature-based" detection, says Martin Lee of Symantec.  Basic anti-virus tools scan all programs using a list of known malicious programs, looking for electronic "signatures."  Virus writers now generate so much malicious software that the good guys just can't keep up. To make matters worse, virus writers are employing a technique known as "polymorphism," so the virus can electronically mutate and evade detection.  That means about 25 percent of viruses can evade detection by scanners. New "heuristic" antivirus software detects malicious programs by watching what they do rather than inspecting what they are, but these products are far from perfect.

Making matters worse, viruses are now more stealthy after infections. Once upon a time, an infection was obvious, thanks to a dramatic slowdown in performance or some other obvious symptom.  Not true today.

"It's become increasingly difficult for people to be aware they've become infected," Lee said. "Often, end users just will not realize something has happened."

With few guarantees for protection, it's more important than ever to keep the kids off music piracy sites and for you to avoid other unsavory Web places — and you know the ones I mean.

3. Fake anti-virus software

Knowing that your antivirus product might not be doing the job, you might be tempted to look online for an alternative, or to try one that surprisingly pops up on your desktop.  That’s a bad idea: It's probably a criminal trying to extort you for money.  The art of selling rogue anti-virus software was perfected in 2009. Leonard says consumers shelled out $150 million for fake antivirus programs last year.

"People are selling malicious software and dressing it up as an antivirus product," he said.  "It surprises me the volume that they are selling. You would think people have become used to seeing these things." 

Obviously not. The Federal Trade Commission did shut down two rogue sellers last year, but not until they allegedly tricked nearly 1 million consumers into downloading their software.

The technique, which works like a charm, will expand next year.

4. Social networking

Facebook-based attacks grew dramatically in 2009, and will continue to increase in the coming year.

There are basically two flavors — viruses that take advantage of the platform's liberal rules for information sharing among applications; and impersonation/identity theft, where a criminal hijacks an innocent user's account and tricks trusted friends and family. But other variations are certain to appear. Criminals can use publicly available information to personalize attacks ("Hey, check out these pictures from Paramus Catholic's Class of 1986!"). Facebook is easily farmed for password-generating information such as "What was your high school mascot?"  And all those "click here" e-mails from Facebook are a Christmas present for would-be phishers, who can easily imitate them.

"People are getting comfortable in social networking situations and I think that they should really re-examine their level of trust and interaction," said Mary Landesman, senior security researcher at ScanSafe. 

And remember, even if Facebook old-timers are too smart for all these tricks, the service is teeming with older newbies.  If you've been friended by mom (or grandma) you know what I mean.  They'll have to endure the Facebook privacy learning curve, too. Be generous.  Spend a few minutes with older relatives this holiday getting them to tighten up their privacy settings.

5. Botnets

The bane of the Internet for the past five years — botnets, or armies of compromised home computers — will remain a problem this year.  And they it may be even worse: botnets have become much more resilient.  Once upon a time, botnets could be disrupted by "cutting off their head," or disabling their command and control computers.  But now, criminals are "building disaster recovery" into the networks, Symantec's Lee said.  That makes them even more difficult to knock off line.

"You must have grudging respect for them and their techniques," Lee said.

6. Spam

Spammers took a body blow during 2009 when the notorious McColo Internet Service Provider was kicked off-line.  The volume of spam plummeted from around 80 percent of all e-mail to 20 percent.  Temporarily.  By year's end, nine out of 10 e-mails were spam, and the number keeps climbing.

"Can it get to 95 percent?," Lee asked, rhetorically. "It never ceases to amaze me how much we put up with this." 

7. Finally, Apple gets respect - from cybercriminals

For years, the worst-kept secret in the computer security world was the safety of using Macintosh computers. It seemed that criminals didn't bother trying to attack Macs. This was no political statement, however. It was merely pragmatism: Apple products were a small target. But with the uptick in Mac market share, the increasingly popularity of Apple's Safari Web browser and the ubiquity of the iPhone, expect criminals to target Steve Jobs’ products, says Leonard.  Already, he says, there have been a handful of iPhone attacks. 

"Malware authors know where people are going," he said. "It's more worthwhile for them to go after these platforms."

8. Cell phones

Speaking of iPhones, 2010 might be the year that we see a significant attack against cell phone or smart phone users. Such an attack has been predicted for years, and has not yet materialized.  But each year, cell phones become more powerful, contain more personal information and are used for more financial transactions. In other words, they become "juicier targets" for criminals, says Lee.  An obvious attack — like something that wipes out phone books — might not be the breakthrough cell phone virus.  Lee says consumers should be on the lookout for a simple automated way to use mobile phones to steal cash. One possibility: some TV shows urge consumers to send text messages at $1 apiece. What happens when a criminal figures out how to redirect such messages, or initiate them?

9. SEO poisoning

You have probably noticed that companies can "game" Google and other search engines, puffing up their search engine results using a series of tricks such as creating fake pages that link heavily to each other.  Annoying, but relatively harmless.  Unfortunately, bad guys have perfected this method and use it to mercilessly attack information seekers every time a large news event occurs. Perhaps hundreds of thousands of users were infected after the death of Michael Jackson through this technique — getting a booby-trapped Web page to rank 5th or 6th on a Google "Michael Jackson" search, even for just a few minutes, is probably the most effective malicious program attack used today. 

"We see this sort of attack daily and especially when a signature event occurs, like Michael Jackson's death," said Leonard. Expect much more next year.  When the next big news hits — however self-serving this may sound — stick with news Web sites you trust.

10. WINDOWS 7

Naturally, as the year progresses, criminals will set their sights on the increasing install base of Windows 7.  Microsoft has continued to improve security and delivery of updates to its flagship operating system.  But there will be problems, no doubt. And then there's this troubling notion: Eight out of 10 existing Windows viruses will run on Windows 7, says Leonard.  Impressive forward-compatibility from the bad guys. For consumers, it means there's no time to be complacent.

11. URL shorteners

Services like bit.ly make sending links through Twitter and e-mail infinitely easier. Unfortunately, it also means criminals can turn obvious troublesome URLs, like https://RomanianDarkLords.Ro/$$$eBay.com into friendly-sounding links like http://bit.ly/5uuWwo.

That makes life easier for criminals, and harder for you, as it takes away one possible hint that a link is trouble.

Websense recently partnered with Bit.ly to help make the process safer. But you should stick with the old rule: Never click on a link you didn't expect, and always manually type URLs into your browser's address bar.

12. Gumblar

Last but not least, Landesman says the most troublesome development of 2009 could be the breakout security problem of 2010. The so-called Gumblar worm used an advanced technique to build a new kind of botnet. Rather than target thousands of home computers, Gumblar attacked Web hosts (Web sites) and turned them into "carriers."  The program managed to download a Web site’s code, inject a hidden malicious program, then reload the now booby-trapped site. 

Because Web sites act as a kind of hub online, they have the potential to spread a serious attack much more quickly. And 10,000 compromised Web sites are much harder to shut down than 10,000 compromised home computers, Landesman said.

Worse yet, a seriously successful Gumblar-style attack could undermine Web users' trust in the Internet. Sites that are one day safe and trustworthy may the next day be dangerous. That would severely hamper security systems that are based on "trusted" sites.

"When you have compromised sites acting as the host itself, the notion of good vs. bad is completely gone," Landesman said.  "Users will find that fewer and fewer sites that they can trust whatever trust they do have could be very fleeting."

Already, Gumblar-infected sites have transmitted code to visiting PCs that redirected all Google searches to pay-per-click Web sites, netting a tidy sum for creators.

Gumblar was declared a bigger problem than Conficker in May by Scansafe, and even though its network of compromised Web sites was eventually tamed during the year, Landesman is convinced that the technique will see many copycats.

"It's one of the attacks we are assured of seeing in large quantities in 2010," she said.

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Traveling with small children has a lot of challenges. From the near constant complaining about being uncomfortable and thirsty to the incessant need to see every bathroom along the way, it is a wonder that anyone survives. But, everyone does it because family holidays are fun. They are supposed to be fun right?

Too often what could be great memories are overshadowed by the stress of just keeping the kids from killing each other. I am not going to tell you that I can make a long car or plane trip pleasant or instruct you to happily sing songs in the front seat to spread your joy around. That is all crazy talk. What you can do is try a few things that might make the portion of your holiday you spend confined in a small space with your offspring bearable.

That’s the best I think anyone can hope for, bearable, when it comes to traveling with kids. Some people are of the mindset that your entire holiday has to be filled with sunshine and rainbows. I say save all of that for the destination and be happy with at least a relative sense of calm on the way there.

Tips for traveling with tots:

• Load your Phone
  Before you leave, go the app store and load up your iPhone with kids games (good list here). There are a ton of free games that will keep your kids busy for hours. Even if you have to spend $1.99, it’s worth it. As a backup, toss a couple movies on there too. I am telling you, the thrill of even holding a parent’s phone is a thrill for a kid; having it loaded with activities is even better. By the way, bring headphones unless you like hearing the Spongebob game lyrics for hours.
• Mentally prepare yourself
  There are going to be meltdowns and crying fits. Expecting them will make it easier to take a deep breath and allow them to just run their course.
• Make surprise bags for the children
  Take little brown bags or whatever is handy and put in a little inexpensive toy or game, stickers, a little coloring book and crayons, anything they have not seen before or in a long time will work. Make one for each hour you will be in the car or plane and pass them out accordingly. Hopefully, it will keep them occupied for about twenty minutes of each hour.
• Put the kids in comfortable clothes and shoes
  I find that taking off their shoes and putting them in one spot helps to put them back on when it is time too move.
• Pack bribe treats.
  I know it sounds bad, but a piece of candy can go a long way toward giving you a few minutes to regain your composure. This is an emergency only tactic.

The most important of all travel tips is to take it easy on yourself. If the kids break down and stomp and scream on the airplane, remember that half of the people there have been in your shoes. You only think they are judging you.

The more upset you get, the worse your child will behave. They sense stress and it gets them stressed out too. Also, try not to set them up for failure by going too long without food or spending more then a couple of hours sitting in a car or plane seat. Finally, and this is really important, when you arrive at your destination pour yourself a big glass of wine. You earned it.

Feel free to tell us about your experience of traveling with children. What did you do to keep them from killing each other out of boredom?

Written on 12/19/2009 by Monika Mundell. Monika Mundell is a passionate freelance writer and pro-blogger. Her blog Freelance Writing helps new freelance writers to get started in this exciting industry. If you like to work with Monika, feel free to visit her Portfolio site.

Photo Credit: Marta Crowe

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