These are the five quickest ways you can go broke — and here’s how you can avoid those things. Because being broke stinks.

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Financial institutions are under increasing pressure to strengthen their response to money mule activity, a growing form of financial crime that enables fraud and money laundering. Money mules are bank account holders who move illegally obtained funds on behalf of criminals, either knowingly or unknowingly. These activities allow criminals to disguise the origin of stolen money and reintroduce it into the legitimate financial system. Recent regulatory reviews and industry findings stress upon the scale of the problem. Hundreds of thousands of bank accounts linked to mule activity have been closed in recent years, yet only a fraction are formally reported to shared fraud databases. High evidentiary thresholds mean many suspicious cases go undocumented, allowing criminal networks to continue operating across institutions without early disruption. At the same time, banks are increasingly relying on advanced technologies to address the issue. Machine learning systems are now being used to analyze customer behavior and transaction patterns, enabling institutions to flag large volumes of suspected mule accounts. This has become especially important as real-time and instant payment methods gain widespread adoption, leaving little time to react once funds have been transferred. Money mules are often recruited through deceptive tactics. Criminals frequently use social media platforms to promote offers of quick and easy money, targeting individuals willing to participate knowingly. Others are drawn in through scams such as fake job listings or romance fraud, where victims are manipulated into moving money without understanding its illegal origin. This wide range of intent makes detection far more complex than traditional fraud cases. To improve identification, fraud teams categorize mule behavior into five distinct profiles. The first group includes individuals who intentionally commit fraud. These users open accounts with the clear purpose of laundering money and often rely on stolen or fabricated identities to avoid detection. Identifying them requires strong screening during account creation and close monitoring of early account behavior. Another group consists of people who sell access to their bank accounts. These users may not move funds themselves, but they allow criminals to take control of their accounts. Because these accounts often have a history of normal use, detection depends on spotting sudden changes such as unfamiliar devices, new users, or altered behavior patterns. External intelligence sources can also support identification. Some mules act as willing intermediaries, knowingly transferring illegal funds for personal gain. These individuals continue everyday banking activities alongside fraudulent transactions, making them harder to detect. Indicators include unusual transaction speed, abnormal payment destinations, and increased use of peer-to-peer payment services. There are also mules who unknowingly facilitate fraud. These individuals believe they are handling legitimate payments, such as proceeds from online sales or temporary work. Detecting such cases requires careful analysis of transaction context, payment origins, and inconsistencies with the customer’s normal activity. The final category includes victims whose accounts are exploited through account takeover. In these cases, fraudsters gain access and use the account as a laundering channel. Sudden deviations in login behavior, device usage, or transaction patterns are critical warning signs. To reduce financial crime effectively, banks must monitor accounts continuously from the moment they are opened. Attempting to trace funds after they have moved through multiple institutions is costly and rarely successful. Cross-industry information sharing also remains essential to disrupting mule networks early and preventing widespread harm. 

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  In this age, losing a phone can feel like losing control over your digital life. Modern smartphones carry far more than contacts and messages — they hold access to emails, bank accounts, calendars, social platforms, medical data, and cloud storage. In the wrong hands, such information can be exploited for financial fraud or identity theft. Whether your phone is misplaced, stolen, or its whereabouts are unclear, acting quickly is the key to minimizing damage. The following steps outline how to respond immediately and secure your data before it is misused. 1. Track your phone using official recovery tools Start by calling your number to see if it rings nearby or if someone answers. If not, use your device’s official tracking service. Apple users can access Find My iPhone via iCloud, while Android users can log in to Find My Device. These built-in tools can display your phone’s current or last known location on a map, play a sound to help locate it, or show a custom message on the lock screen with your contact details. Both services can be used from another phone or a web browser. Avoid third-party tracking apps, which are often unreliable or insecure. 2. Secure your device remotely If recovery seems unlikely or the phone may be in someone else’s possession, immediately lock it remotely. This prevents unauthorized access to your personal files, communication apps, and stored credentials. Through iCloud’s “Mark as Lost” or Android’s “Secure Device” option, you can set a new passcode and display a message requesting the finder to contact you. This function also disables features like Apple Pay until the device is unlocked, protecting stored payment credentials. 3. Contact your mobile carrier without delay Reach out to your mobile service provider to report the missing device. Ask them to suspend your SIM to block calls, texts, and data usage. This prevents unauthorized charges and, more importantly, stops criminals from intercepting two-factor authentication (2FA) messages that could give them access to other accounts. Request that your carrier blacklist your device’s IMEI number. Once blacklisted, it cannot be used on most networks, even with a new SIM. If you have phone insurance, inquire about replacement or reimbursement options during the same call. 4. File an official police report While law enforcement may not always track individual devices, filing a report creates an official record that can be used for insurance claims, fraud disputes, or identity theft investigations. Provide details such as the model, color, IMEI number, and the time and place where it was lost or stolen. The IMEI (International Mobile Equipment Identity) can be found on your phone’s box, carrier account, or purchase receipt. 5. Protect accounts linked to your phone Once the device is reported missing, shift your focus to securing connected accounts. Start with your primary email, cloud services, and social media platforms, as they often serve as gateways to other logins. Change passwords immediately, and if available, sign out from all active sessions using the platform’s security settings. Apple, Google, and Microsoft provide account dashboards that allow you to remotely sign out of all devices. Enable multi-factor authentication (MFA) on critical accounts if you haven’t already. This adds an additional layer of verification that doesn’t rely solely on your phone. Monitor your accounts closely for unauthorized logins, suspicious purchases, or password reset attempts. These could signal that your data is being exploited. 6. Remove stored payment methods and alert financial institutions If your phone had digital wallets such as Apple Pay, Google Pay, or other payment apps, remove linked cards immediately. Apple’s Find My will automatically disable Apple Pay when a device is marked as lost, but it’s wise to verify manually. Android users can visit payments.google.com to remove cards associated with their Google account. Then, contact your bank or card issuer to flag the loss and monitor for fraudulent activity. Quick reporting allows banks to block suspicious charges or freeze affected accounts. 7. Erase your device permanently (only when recovery is impossible) If all efforts fail and you’re certain the device won’t be recovered, initiate a remote wipe. This deletes all data, settings, and stored media, restoring the device to factory condition. For iPhones, use the “Erase iPhone” option under Find My. For Androids, use “Erase Device” under Find My Device. Once wiped, you will no longer be able to track the device, but it ensures that your personal data cannot be accessed or resold. Be proactive, not reactive While these steps help mitigate damage, preparation remains the best defense. Regularly enable tracking services, back up your data, use strong passwords, and activate device encryption. Avoid storing sensitive files locally when possible and keep your operating system updated for the latest security patches. Losing a phone is stressful, but being prepared can turn a potential disaster into a controlled situation. With the right precautions and quick action, you can safeguard both your device and your digital identity.

As you’re probably aware, interest rates are pretty high.  While high rates might not sound like a good thing — and, to be fair, it’s probably not the best news if you have a variable rate on a studen...