Consumer Education
Farming or "Pharming?"
Though Pharming attacks are not as well known, they are a serious threat to unsuspecting consumers. The main threat is that they are extremely difficult to detect and can be perpetrated in many ways.
What is a Man-in-the-Middle Attack?
Much like Phishing and Pharming, the goal of this type of internet scam is to gain access to confidential information. An unwanted third party proxies traffic back and forth between a user and a website, recording the entire transaction.
PROsumer Lunch-n-Learn Seminars
Whoever said "There's no such thing as a free lunch?" didn't know about the Florida Commerce PROsumer Lunch-n-Learn Seminars. We'll bring lunch to your office AND provide consumer education for your entire staff.
Balance Transfer Offers: How to use them wisely
Are you considering transferring your credit card debt to a “teaser rate” card (where a very low interest rate is charged on balance transfers for a specific amount of time)? If so, don’t just do the math – there are many other factors to take into account before shifting your balances.
Credit Card Debt and Living on a Fixed Income
For senior citizens living on a fixed income can be stressful. There are steps you can take to relieve the pressure of debt and the challenges of covering necessary living expenses.
Drive Away Happy
Use this booklet to learn about topics such as:
- Determining total vehicle costs (cost of the car, cost of the credit, auto insurance, maintenance, gas, etc.)
- Budgeting for the purchase and upkeep of the vehicle
- Financing the vehicle
- Understanding the effects of making late payments (adverse effect on credit reports and credit scores)
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Maintaining a Balanced Checking Account
A checking account is a contractual relationship between you and your financial institution, with each party having specific responsibilities:
- The financial institution holds your money in a safe place and helps to facilitate your purchases
- You are responsible for handling your account wisely by not writing checks for more money than you have in your account
Interest-only Mortgages: Boon or Bust?
Want to own your own home in a competitive housing market? You may be considering taking out an interest-only mortgage to get your foot in the door. Formerly the tool of wealthy investors, interest-only mortgages are now widely marketed and used. When the economic climate is just right, they can be a great way for cash-strapped borrowers to buy a home. As good as they can be though, there are some serious downsides that need to be weighed before entering this arrangement.
10 Great Ways to Spend an Income Tax Refund
Expecting a substantial income tax refund this year? If so, you are in the majority - over 70 percent of Americans get money back at the end of the tax year, with the average refund being close to $2,000. Rather than having those precious dollars being absorbed into your normal spending routine, get the most out of your cash.
9 Ways to Master Your Money
You don't have to go to graduate school to become a Master of Money!
Frugal Fill-Ups: 25 Ways to Save at the Pump
Don't let skyrocketing fuel prices drive you crazy - there are many ways to put an immediate dent in your gas bill.
Free Credit Report 
Monitor your credit through all three major credit reporting agencies with a free annual credit report.
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Free Credit Report
Monitor your credit through all three major credit reporting agencies with a free annual credit report.
