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How to thaw a credit freeze. 

Provided by Bankrate.com

Freezing your credit is an excellent way to protect yourself against identity theft in a world where data breaches and hacks are becoming more and more common. During the 2017 Equifax data breach, for example, over 140 million Americans had their personal information exposed.

In this month’s recap: As 2019 ends, the U.S. and China agree to a phase-one trade deal, and stocks, gold, and oil all advance.

Monthly Economic Update

Presented by Peck Financial Advisors, January 2020

Why are people more afraid of flying than driving, even though car wrecks are far more frequent? As one academic suggests, “in a car, at least I know when to brake. In a plane, I have no control.”

You may have missed the news – buried in a much bigger spending bill, and passed in the holiday season. On Friday, December 20, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law.

You, Your Financial Well-Being and the Federal Reserve

Managing finances properly is mainly common sense. While we’ve all made financial mistakes, most of those mistakes are easily rectified, particularly when promptly corrected. However, there are some financial decisions that can be much harder to recover from. Here are just a few of them:

Most consumers typically have both a credit card and a debit card. Of course, the biggest difference between the two is that a debit card will immediately take money out of your bank account when used, unlike a credit card, which will pay for the purchase and later add the amount of the transaction to your monthly statement.

But are there any other differences between the two?

Who Are They?

• Financial fraudsters are after your assets.
• Identity thieves steal your personal information (often to then commit financial fraud).

What Do They Want? Your Money and Your Life

So how is  your year going so far?  Here are six financial best practices to keep in mind. Pick a few of them or take on the entire list. Either way, you’ll be that much further ahead by the time 2020 rolls around.

There are many ways that we support our favorite charitable causes. However, one of the most beneficial ways to support a favorite charity now and into perpetuity is through planned giving.