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All and sundry are aware that smart phones and mobile tech are shifting the way we go about everything currently, from shopping and corresponding to entertaining our children in the back of our automobile.

However, do people really anticipate no longer carrying cash and credit cards in our wallets inside eight years?

Recently The Pew Internet Project and Elon Universitys Imagining the Internet Center unrestricted the outcome of a survey they carried out, inquiring about Internet stakeholders and additional specialists in the field to envisage the outlook, and inform us what they believe our wallets will look like in 2020.

Pew Internet has carried out a quantity of up to date studies that illustrated the subsequent data:

• One in ten Americans has completed a charitable donation by text message.
• One-third of smart phone holders have made use of their phones to pay bills or confirm account balances.
• 46% of people who utilize apps have bought them with a mobile gadget.

The Federal Reserve published a study of its own in the past month, stating that:

• 21% of mobile phone possessors have utilized mobile banking services in the past year.
• 11% of individuals who hadnt done so intended to in the next 12 months.
• 12% of mobile phone holders have completed payments by the use of their phone.

In the Pew/Elon University Survey, the people who responded were asked whether or not they concurred with the following statement:

By 2020, most people will have embraced and fully adopted the use of smart-device swiping for purchases they make, nearly eliminating the need for cash or credit cards.

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This is a guest post from Sarah Gilbert.

My husband and I both grew up in large families, and both of them were poor throughout our childhoods; my parents for beliefs (my dad was a Baptist missionary and a part-time minister for many years) and his because of fracture and substance abuse.

In both cases, most of the now-adult children have followed in the paths of their parents. Three of my siblings are engaged in Christian ministry work or some other kind of values-based careers that pay little. Three of his siblings have struggled to maintain a solid financial footing thanks to a fractured family structure or substance problems.

This means that our siblings have needed help, a lot. Sometimes that help is easy to give and pays both ways Ive hired my younger sisters to provide very capable and loving child care. We both win. Other times, one of my brothers-in-law comes up with a questionable business idea or one of our siblings runs out of good living arrangements and asks to stay with us temporarily.

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When people come into a chunk of cash whether from an inheritance, a bonus, a large sale, a big commission, a TAX REFUND (hint, hint), or whatever means, they usually think of three things:

1. I can finally buy [insert whatever you've been drooling over] or
2. I can finally pay off [insert annoying/threatening creditor] or
3. I really need to invest this for the long haul.

This article is written for that third group. The problem is, many of us (me included) have said that before but wound up spending the money on either #1 or #2. But today’s the day. Today we get that brokerage account opened and begin investing that bonus, tax refund, or big commission check into our future. Today is YOUR day.

An investment is an asset—such as a stock or a bond— that an investor buys in order to build wealth over time. The value of an investment can rise or fall based on a number of factors, from supply and demand to the state of the overall economy. Investo

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All of the effort President Obama has put into financial reforms: the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Credit CARD Act of 2009, could be in danger if Mitt Romney is elected the new President.

Mitt Romney and other high profile members of the GOP oppose the attempts to regulate the credit card industry Obama has made.

Facts and Information for cardholders on the two legislations:

The Dodd-Frank Reform signed into law by President Barack Obama on July 21, 2010

• Wall Street has deeper regulatory changes, stronger transparency of financial markets included.
• Consumer Financial Protection Bureau, introduced along with financial products with disclosures with specified standards
• Bail-outs and dissolution of bankrupt companies, coordinated by the government, at the discretion of the Federal Reserve in unusual or exigent circumstances
• Tightened regulations and improved accounting of credit rating agencies

The CARD Act signed into law by President Barack Obama on May 22, 2009

• Additional transparency to monthly statements of credit cards
• Universal Penalty and Late fee structure setup, including for first violation $25 and second $35 within the next six months.

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Tags: Credit Card, Mitt Romney, Romney

Earlier this week, I received a thank you flyer from ATT for signing up for their for roadside assistance program. The only problem with this is that I never signed up for it. Curious as to what I was going, I logged into their site to check my bill and boy, am I glad that I did.

After logging in, I discovered that they had added not only the roadside assistance to my cell phone bill ($2.99/month), but also the phone insurance plan ($6.99/month), and something called the enhanced mobile protection plan ($3.00/month). Thats a grand total of $12.98/month (+ tax) that I never authorized.

Needless to say, I was furious. These charges appeared to date back to January, when I upgraded to the iPhone 4S, but its hard to tell the exact dates. I dug up the contract from that day day and confirmed that I hadnt inadvertently approved these charges, and then I jumped on the online chat with ATT.

It took a little while to get everything straightened out, but they ultimately removed these extra services and I also got them to refund the previous charges.

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