Back to School Money Safety – How your Credit Card Can Work for You & Not Against You

Recently, I was contacted by a site called Credit Cards (a.k.a creditcard.com) who reached out to me in lieu of a post, posted  a couple of weeks ago entitled “Back to School Savings” – since July was “BTS” (Back To School Prep) for me and every other parent in the U.S. I thought I’d offer a couple of saving tips, affirmations to get my and other kids (as well as parents) off to a good start and end it up by detailing some “family” time/fun outings that parents can do with the kiddos before school starts back (in which were suggestions by my own rambunctious two! =)

However; it’s one thing that credit card.com brought to my attention that I didn’t think of and that’s BTS Scams and frauds. Sadly, people; individuals as well as companies take advantage of times such as these to scam parents and/or lure them into “too good to be true” deals. And with parents scrambling to find the best deals (cheaper ones, I should say) to maximize their shopping experience; most of us don’t pay attention to the deceit that linger below these advertisements.

Fraud Torn Paper Concept

According to creditcards.com/Daniel Smith, head of security at Radware, this is a global cyber security company. Parents, teachers, and students are all potential targets for back-to-school scams and all three can be targeted in different ways. Knowing how to recognize scams is the first line of defense – Using a credit card is the second one.

Related Post: Whose the SCAM NOW!!

With millions of people using credit cards every day to do most of their shopping and who could blame them – with the convenience of not ever having to leave your house; it’s no wonder the credit card business is booming and consumers are enjoying every minute of it. Of course, paying for items with cash is also a great protection as well but with many “online” deals saying this and saying that – it’s easier to pull out the credit card and punch or swipe.

online purchases
photo source: bing/creditcardfraud

While you may feel hesitant about using your credit card a lot of times; I know I do…It’s actually not a bad thing and if you have the right “protection” features on your card. It actually can serve as a safety net for your life as well as your money. Listed below are a couple of things (if you don’t already) that you should have on your credit card in which serves as an added BONUS for being safe online as well as in store.

Basic Protection:

The basic protection plan is a basic feature given to all credit card holders. The plan protects the cardholder involving any dispute in regards to goods and services that were purchased using your credit card. For more info on this, please view the Fair Trade Credit Billing Act.

The FTC can also offer up some good advice when it comes to those ever so alluring “paid commercial ads” that promise you a 30-day free trial and the guarantee to not touch your card until 30days are up (all you have to do is call and cancel before that time) in which we all know is NOT that easy and next thing you know; you’re paying for a product that might don’t even work.  According to the FTC “free trials” aren’t always free and might come with hidden fees and other strings attached.

Purchase Protection:

Helps prevent against loss or theft, however – not all purchases qualify. It’s best practice to reach out to your credit card company to see what’s covered and not in case of a theft or loss. Items that may be covered include clothing, electronics, home and garden products and personal care items, but again – every credit card company is different and the items mentioned may not be one of the items a credit card company acknowledges. Do you have purchase protection? If so, do you know what it covers?

Return Protection:

Extends the life or adds life to an item purchased. Most stores have return policies on some items or offer very limited ones to others. Having a return protection on your card; gives you a little more extended time on a purchase, should the one at the store doesn’t. Most credit card companies do not offer this feature but for the ones that do such as (MasterCard & AMEX) they may or may not tack on shipping charges for your return. Check with your card company and see…

Zero Liability Guarantee:

Visa has this feature and gives the consumer its word that you won’t be charged or made responsible for unauthorized charges made with your credit card. You’re protected should your card is lost, stolen or fraudulently used (whether online or off). So, to sum it all up:

 PROTECT YOURSELF!

This time of year is most critical with parents trying to maximize the best deals and save loads of money in the process as we all Back to School shop. While getting the best deal is “keen” it’s also very important that you read and check out a company before you pull up, out or swipe your credit card – especially if you don’t have added protections in place. Knowledge is definitely POWER!

Speaking of knowledge – Please head over to credit cards.com and check out their blog post entitled “How cards can protect you against back-to-school scams” it’s filled with a plethora of other helpful financial safety tips and information for parents regarding fraud surrounding the back to school season.

I want to give a special thank you to Blake H. for reaching out to me in regards to this helpful info; in which help me to spread the word to you…

Safe Shopping

 

ROSHONDA N. BLACKMON

Creator of A Blog, A Magazine. It’s JustsumInspiration, Author, Speaker & Encourager

 

 

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My History, Your History. Black History Facts, You Might Didn’t Know About!

 

Clara B Williams
You can check out more of this story here 

As we continue to celebrate BMH (Black History Month), I thought I’d share a couple of facts that I bet you didn’t know about some notable African-Americans whom made history. There were many, many African-Americans whom’s talents and contributions were well known such as Dr. Martin Luther King Jr, a social activist and baptist minister whom played a huge role in the civil rights movement in which he lead peaceful protest to make sure African Americans get the right to vote and be treated as an equal.

Martin-Luther-King-Jr
Dr. Martin Luther King Jr. 

His “I have a dream speech” is known as one of the best speeches of our nation and has been quoted numerous times – Kings speech of equality has touched many lives and while some things have changed, we still have quite a ways to go before his dream will be fully a dream come true.

So, while King is a popular name among-st the nation, there are other African Americans whom helped lend a helping hand in shaping this country as well. While there are over 100 facts about African American History you may or may not have known, listed below are 15 facts (including one above) that I personally didn’t even know about, except for the last one of course 😉 ☺️

Check them out below: 

DidYouKnow

 

cartergwoodson

Carter G. Woodson organized the first Negro History Week Celebration on the second week of February in 1926. The week celebration eventually became a month long celebration which is now known as Black History Month

Abraham Lincoln and Frederick Douglas

February was chosen as Black History Month because two important birthdays occur in
February—that of Abraham Lincoln, the author of the Emancipation Proclamation, and that of Frederick Douglass, an early African American abolitionist

Andrew Rube Foster

Andrew “Rube” Foster organized the Negro National League, the first Black baseball
league, in 1920. The first independent Black professional baseball team was the Cuban
Giants, formed in 1885.

Marie Brittan

Marie V. Brittan Brown, a female African American inventor, designed a security system which was patented on December 2, 1969. The “Closed Circuit Television Security”  system created by Brown was intended to help people guarantee their own security until the police arrived.

misses-giles-and-packard_edited-1-e1500221770365

Sophia Packard and Harriet Giles, the founders of Spelman College, used just $100 to
found this Historically Black College. Miss Sophie Packard died in 1891.  Miss Hattie Giles took over the role of Seminary President until her own death in 1910. But that time, Spelman had become the largest Black women’s seminary in the world. Today it is known as Spelman College.

Jordan Nixon Impeachment

In 1954, with Barbara Jordan as the leader, the all-Black Texas Southern University
debate team stunned and beat the Harvard debate team. After unsuccessful bids in 1962 and 1964, Jordan ran and won a seat in the Texas House of Representatives in 1966, and she became the first African American person since 1883 to serve in the Texas Senate. In 1972 Jordan was elected to represent Texas’ Eighteenth District in the House of Representatives.

African American builders

The U.S. Capitol and the White House were both constructed with the help of free
Blacks and slaves, working alongside white laborers and craftsmen. This story was also spoken of by Michelle Obama during the 2016 Democratic National Convention speech.

benjaminbradley

Benjamin Bradley, a slave, was employed at a printing office and later at the Annapolis
Naval Academy. In the 1840s he developed a steam engine for a war ship. Unable to
patent his work due to the fact of him being a slave; he sold the patent and used the proceeds to purchase his freedom.

Frank Wills

When Frank Wills, a 24-year-old security guard at the Watergate office complex in Washington DC, noticed a piece of duct tape on a door lock while doing his rounds, he could not have imagined that he was about to unearth a political scandal that would bring down a United States President. Frank Wills, a Black security guard, discovered President Nixon’s cover-up which later caused his resignation as President of the United States. Despite Wills’ discovery he struggled to find work for the rest of his life.

WAR & CONFLICT BOOK ERA:  WORLD WAR II/THE HOME FRONT/WAR WORK & PRODUCTION

Estine Cowner, a former waitress;  became a scaler on a construction crew at the Kaiser shipyards in Richmond, CA, to construct the Liberty ship George Washington Carver. The demand for qualified labor in WWII opened up new opportunities for Black women.

Dreadlocks

The term “dreadlocks” came from a movement of guerrilla warriors who vowed not to cut their hair until Haile Selassie, former Emperor of Ethiopia was released from exile after leading the resistance against the Italian invasion. The warriors hair became matted and began to lock over time. Because the warriors with locks in their head were “dreaded” the term “dreadlocks” came to fruition.

Frederick-Jones

Being able to buy fresh food from your local supermarket, wouldn’t have happened had it not been for an African American inventor named Frederick McKinley Jones. Jones invented the air-cooling units used in food transporting trucks in the 1930s, and was awarded more than 60 patents over the course of his life, 40 of which involved refrigeration equipment.

Selma Burke

Selma Burke was an American sculptor and a member of the Harlem Renaissance movement whom described herself as “a people’s sculptor.” Burke created many pieces of public art and prominent African-American figures like Duke Ellington, Mary McLeod Bethune and Booker T. Washington.

AND, LAST BUT DEFINITELY NOT LEAST!

Barack Obama1

Former President Barack Obama made history by becoming the first African American to become president of the United States. The 44th president, served a total of 8 years in office; getting elected to a second term in 2013.  During his term, Obama signed many landmark bills into law including “Obamacare” a.k.a the Patient Protection and Affordable Care Act.

Did any of these facts surprise you? Did you know any of them? Do you have an African American fact to share? If so, sound off in the comments!!

You can find more African-American trendsetters and how they shaped the African American Culture  👉 👉……. here 

knowledge_is_power

 

Roshonda N. Blackmon – Creator of A Blog, A Magazine. It’s JustsumInspiration, Author, Speaker & Encourager