Novae

🤨👀💸🙅🏾‍♀️ It’s that time again… Funny Friday! ... and suddenly everyone is looking for a co-signer. 😩😂

We’ve all seen it, right? Some people will scroll right past your business posts, but the moment they need a personal loan or a co-signer, they know exactly who to call because your credit is solid.

It’s funny, in a “the audacity” kind of way, but it’s a harsh reminder that looking for a handout is way more exhausting than actually making a change!

Don’t be the person waiting for a “yes” from someone else—be the person who can say “yes” to their own future. Let’s ditch the dependency, boost our own credit, and build real wealth so we never have to ask for a favor.

Good news! Novae can help you get on the right side of the room! We offer:
• A debt help program to help you reduce those heavy burdens.
• MyNovaeDisputes AI disputing software to dispute inaccurate items on your credit, which could help boost your score and get you back in control.
• An income opportunity that will help increase your income so you can be your own bank!

Ready to stop asking for handouts and start building real financial momentum?

Visit NovaeMoney.com or contact your favorite Novae consultant today!

🚨 Tap-to-Pay Scams Are on the Rise: What You Need to Know🚨

Tap-to-Pay has become one of the most convenient and once thought safest ways to make purchases.

It uses a process called tokenization, meaning your actual card number isn’t transmitted during the transaction but a one-time encrypted code (token) is used instead.

Sounds secure, right? Well, scammers have caught on.

Now, “ghost tap” scams are on the rise and they can steal your money just by getting close enough to your card or phone in public.

What is Ghost Tapping? Ghost Tapping where criminals use fake terminals or even RFID readers to steal your payment information, sometimes just by getting close enough to your card or phone.

3 Top Red Flags You Need to Watch For:
1. NO Confirmation: A vendor asks you to tap without showing the business name or the final transaction amount on the terminal screen.

2. UNUSUAL ALERTS: You receive a bank alert for a very small or unusual "test" charge.

3. SUSPICIOUS CHARGES: You notice strange charges on your account after you were in a packed area where someone brushed against you.

4 Ways to Protect Your Wallet NOW:
1. Use RFID Protection: An inexpensive RFID-blocking wallet or sleeve can help physically block the wireless skimming.

2. Always Confirm Details: Before you tap your card or phone, make it a habit to check the merchant name and the exact amount on the terminal screen.

3. Set Up Transaction Alerts: Many banks offer real-time text or app notifications for every charge—turn them on so you spot fraud instantly.

4. Monitor Accounts Daily: Regular, daily checks help you catch small, fraudulent "test" charges before they lead to bigger theft.

What to Do If You're a Victim:
1. Report Immediately: Contact your bank or card issuer right away.

2. Cancel: Freeze or cancel the affected card.

3. Report the Crime: Report the scam if you have enough information.

Protecting your finances means being educated about the latest threats. Don't become a victim!

Your security matters. Stay alert. Stay protected.

To read more on this and for more tips and topics that affect your finances and family, make sure to follow us on Instagram at . Be sure to connect with your favorite Novae consultant!