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Personal Finance News Information Tips

Greetings all,

I guess it’s about time to shut down this blog, Top Finance Blog. It’s been a nice run of 11 years and initially I had a lot of fun and made some nice money, but those days are gone and it’s time to move on.

Since I never had many return visitors or subscribers and had only one comment in the last 5 months, I doubt anyone will actually read this. But that’s okay because I’m turning off comments in any case, so I’ll probably never know if anyone ever cared about most of the content here in the last few years or so.

However, if there were things here that interested you, here’s a bit of information for you. Many of the articles here will be repurpose elsewhere. They’ll either go to my accountant’s blog, who I write for, or my relatively local blog, Syracuse Wiki, where

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Information and Tips to Help You Save money


Comparing quotes can save you money now, but to keep your rates low, year after year, you must understand how your policy works, and what options can cost or save you money.

Use our guides to learn about your own auto insurance, and you’ll save hundreds of dollars on your next policy:

The Basics
explains the most basic concepts of auto insurance, from liability to PIP.

Car Insurance Options
goes a little deeper, helping you choose among the many options available on a standard policy.

State-by-State Guides
contain local law and regulation info, as well as links to auto insurance providers in your area.

You’ll learn about specific issues, such as no fault insurance and high risk auto insurance, and be able to apply this knowledge to get the best discounts from your insurer.

See How Much You Could Save:

Save $300-400 or more with discount rates from all

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Business Analytics/Business Intelligence information, news and tips

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Privacy Choices for Your Personal Financial Information

Many companies you do business with are required to give you privacy notices that explain their information-sharing practices. In turn, you have the right to limit some — but not all — sharing of your information. The law balances your right to privacy with a company’s need to provide information for normal business purposes.

Privacy Notices 101

Privacy notices explain what personal financial information a company collects; whether the company intends to share your personal financial information with other companies; what you can do to limit some of that sharing; and how the company protects your personal financial information.

Companies involved in financial activities that must send their customers privacy notices include:

  • banks, savings and loans, and credit unions
  • insurance companies
  • securities and commodities brokerage firms
  • retailers that issue their own credit cards (like department stores or gas stations)
  • mortgage brokers; automobile dealerships that extend or arrange financing or leasing
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Starting an Internet Business | FTC Consumer Information

An internet business can sound like a dream: work from home, set your own hours, be your own boss. But if you’re considering buying an internet business opportunity, watch out for promises of big or guaranteed earnings. Regardless of the stories you’ve might have read or heard about college-age entrepreneurs turning into internet gazillionaires, there’s no such thing as a sure thing.

Any online business opportunity that promises guaranteed income, large returns, or a “proven system” is likely a scam. If you pay for the so-called opportunity, you’re then often asked to pay even more: for business coaching or mentoring services to guarantee or increase your business’s success. The money you spend on those extra coaching services is almost always more money down the drain.

Short on Details

An internet business is just like any other business: it requires a solid business plan. Anyone who sells legitimate business opportunities should

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Computer Security | FTC Consumer Information

Scammers, hackers and identity thieves are looking to steal your personal information – and your money. But there are steps you can take to protect yourself, like keeping your computer software up-to-date and giving out your personal information only when you have good reason.

computer backing up on an external hardrive

Update Your Software. Keep your software – including your operating system, the web browsers you use to connect to the Internet, and your apps – up to date to protect against the latest threats. Most software can update automatically, so make sure to set yours to do so.

Outdated software is easier for criminals to break into. If you think you have a virus or bad software on your computer, check out how to detect and get rid of malware.

Protect Your Personal Information. Don’t hand it out to just anyone. Your Social Security number, credit card numbers, and bank and utility account numbers can be

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Credit Insurance | FTC Consumer Information

The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Credit insurance protects the loan on the chance that you can’t make your payments. Credit insurance usually is optional, which means you don’t have to purchase it from the lender. In fact, the Federal Trade Commission (FTC), the nation’s consumer protection agency, says it’s against the law for a lender to deceptively include credit insurance (or other optional products) in your loan without your knowledge or permission.

There are four main varieties of credit insurance: Credit life insurance pays off all or some of your loan if you die.Credit disability insurance, also known as accident and health insurance, makes payments on the loan if you become ill or injured and can’t work. Involuntary unemployment insurance, also known as

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Vendor Information Pages

This system is intended to be used by authorized VA network users for viewing and retrieving information only except as otherwise explicitly authorized. VA information resides on and transmits through computer systems and networks funded by VA; all use is considered to be understanding and acceptance that there is no reasonable expectation of privacy for any data or transmissions on Government intranet or Extranet (non-public) networks or systems. All transactions that occur on this system and all data transmitted through this system are subject to review and action including (but not limited to) monitoring, recording, retrieving, copying, auditing, inspecting, investigating, restricting access, blocking, tracking, disclosing to authorized personnel, or any other authorized actions by all authorized VA and law enforcement personnel. All use of this system constitutes understanding and unconditional acceptance of these terms. Unauthorized attempts or acts to either (1) access, upload, change, or delete information on this system,

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The Data Brokers: Selling your personal information

The following script is from “The Data Brokers” which aired on March 9, 2014. Steve Kroft is the correspondent. Graham Messick and Maria Gavrilovic, producers.

Over the past six months or so, a huge amount of attention has been paid to government snooping, and the bulk collection and storage of vast amounts of raw data in the name of national security. What most of you don’t know, or are just beginning to realize, is that a much greater and more immediate threat to your privacy is coming from thousands of companies you’ve probably never heard of, in the name of commerce.

How to defend your privacy online

They’re called data brokers, and they are collecting, analyzing and packaging some of our most sensitive personal information and selling it as a commodity…to each other, to advertisers, even the government, often without our direct knowledge. Much of this is the kind of

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Business Information and Contacts | Homeland Security

Information and contacts to help you do business with DHS.

Industry Liaisons

Industry Liaisons promote two-way communication between the DHS and industry, academia, and other institutions. Learn about their services and identify points of contact here.

Small Business Specialists

Small Business Specialists at each DHS Component are available to discuss specific procurement opportunities available for small businesses. Learn about their services and identify points of contact here.

Office of Small and Disadvantaged Business Utilization Staff

The Office of Small Disadvantaged Business Utilization staff oversee the DHS small business program. Learn about their services and identify points of contact here.

Prime Contractors

DHS maintains relationships with prime contractors who subcontract with small and disadvantaged businesses. Learn about partnering and identify points of contact here.

Strategic Sourcing and Category Management

The Strategic Sourcing Program Office collaborates with DHS’s Components to establish Department-wide contract vehicles. Learn more about Strategic Sourcing Program Office services

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