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Don't Make an ATMistake!

We’ve all heard about “skimming.” That’s when you use your ATM card and some scam artist has inserted an additional piece of card-reading hardware that will steal you ATM card information. The people that monitor this sort of thing say incidents of skimming were up 500% in 2015 over the previous year.

Here’s how you can reduce the risk of someone getting you valuable information:

  1. Stick with the Chip – Digital chips are harder to hack (not impossible, but harder). Try to avoid using card readers where you still have to swipe the card's magnetic strip.
  2. Use a Bank Machine – While not perfect, bank ATMs are more secure. They are better maintained and have 24/7 surveillance cameras. Machines at gas stations and convenience stores account for the majority of card information theft.
  3. Inspect Before Swiping – If the machine doesn’t accept your card smoothly, walk away. Newer machines also have a flashing light in the card slot. If you don’t see one or it’s partially obscured, you might want to find another machine.
  4. Always Check Your Card Statements – Make there are no unusual or unfamiliar charges.
  5. Talk with Your Bank about Alternative Solutions – You might open a separate account with a smaller amount of money just for ATM purchases or you can lower the daily limit for ATM withdrawals.

Is There Gold in Your Attic?

Everybody thinks they got some treasure stashed somewhere - in the attic, down in the baseball or in the closet where old photos and more are lurking. But the truth is all that's old is not necessarily gold. Don't let Antiques Roadshow put dollar signs in your eyes.

Here's what's hot and what's not in the world of collectibles:

Read more: Is There Gold in Your Attic?

Money-Saving Vacation Tip

Planning on hitting the road this summer? You may be able to save money on your transportation if you’re willing to a little searching.

There are companies that need to move vehicles (even RVs) from one location to another. Now, these are one-way trips, so you may have to find other ways to get yourself back home, but it’s worth investigating.

Some sites you may want to visit:
transfercarus.com
thriftynomads.com
imoova.com

Important legal stuff: BoomtownAmerica.com is not affiliated with nor does it endorse any of these websites. We advise you check things out for yourself and as always, make sure you read the fine print or consult with an expert before you enter into any agreement.

Do You Really Need Rental Car Insurance?

With Memorial Day weekend here, it's the start of vacation season! If you're planning on renting a car when you reach your destination, the rental company is sure to try and sell you rental car insurance. Do you really need it?

In a lot cases, the answer is no!

If you own a car and have car insurance, many of those policies automatically cover you when you're driving a rental car. Check with your insurance company before you take your trip and see if you're covered!

Medical ID Theft

We’ve all heard about identity theft in regards to bank accounts and credit cards, but there is another kind of identity theft that can be even costlier to you!

It’s medical identity theft. That’s when someone steals you name and insurance information, then uses it to get treatments and drugs for themselves, sticking you with the bill. With most credit card fraud, the bank or the card company winds eating most of phony charges. With medical ID theft, you could be on the hook for the charges.

To protect yourself:

  • Read those letters that say “THIS IS NOT A BILL” – Make sure you go over the medical services and drugs in those letters. If you notice a treatment or a doctor you don’t know (as well as medication you are not taking). Contact your insurance company immediately.

  • Guard your health insurance cards and numbers – And remember that goes for dental and vision plans as well as your medical insurance. That also goes for your Medicare card (even though it no longer contains your SSN).

  • When you visit a doctor, make sure you get a copy what transpired during that visit – Including treatments performed and medication prescribed.

  • Be Careful of “Free Screenings” – While most are legit, avoid any “free screening” that requires you disclose insurance information.

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