| 词条 | True Link |
| 释义 |
| name = True Link Financial, Inc. | logo = True Link logo.png | type = Private | industry = Financial services | location = San Francisco, California | website = {{url|https://truelinkfinancial.com/}} }}True Link Financial, Inc. is a San Francisco, California based financial services firm that offers investment accounts and debit cards customized for seniors. Notable investors include Y Combinator, Cambia, Mitch Kapor, Alexis Ohanian, Eric Ries, and Matt Cutts.[1][2][3] Investment methodology for retireesThe company uses bond ladders which reduce interest rate risk,[1] and a time-based investment strategy described by experts as a "strategy for a lifetime of income."[5] The investment allocations are based on Modern portfolio theory and include stocks and bonds as well as an annuity component in some cases.[6] Protection from fraud and elder abuseTrue Link offers a Visa card with special controls that prevent common types of fraud and financial abuse targeting the elderly. In addition to fraud-detection algorithms developed by the company, the card can be customized to restrict telemarketer purchases across the board, block certain charitable organizations and allow others, set limits on ATM usage and receive text messages, or selectively block only a few problematic merchants.[7][8][9][10][11] It takes about five minutes to sign up, and its customers save an average of $2,340 per year by using the True Link card.[1][14][15] True Link is the only card with these protective features.[16][17] The company was inspired by CEO Kai Stinchcombe's experience with his grandmother Ruth, who gave tens of thousands of dollars to pushy telemarketers and charitable solicitors.[18][19][20] According to survey research, fourteen percent of seniors are victimized by fraud every year, and an additional fifty-four percent are targeted.[21] The company was formed in November 2012 by cofounders Kai Stinchcombe and Claire McDonnell and launched its product in August 2013.[22] Financial institutions have expressed interest in partnering with the company to help protect their customers from fraud.[23][24] According to True Link's research, fraud targeting seniors is a $36.5 billion per year problem.[25][26][27][28] True Link uses fraud detection algorithms and maintains a large database filled with scams and suspicious merchants,[9][10][31][32][33][34] and members of True Link's data science team are frequently cited as experts on scams and fraud targeting the elderly.[35][36][37][38][39] Other customersThe company also provides services to people with disabilities, to people recovering from addiction, to special needs trusts, pooled trusts and representative payees.[40][41] In August 2016 True Link acquired Next Step Network, LLC., a company that offers payment cards to people recovering from addiction.[40][43][44] Around 2.5 million receive care at an addiction treatment facility every year.[45] References1. ^{{Citation needed|date=February 2018}} [2][3][4][5][6][7][8][9][10][11][12][13][14][15][16][17][18][19][20][21][22][23][24][25][26][27][28][29][30][31][32][33][34][35][36][37][38][39][40]2. ^1 {{cite news | last = Span | first = Paula | title = Better Than a Credit Card | newspaper = New York Times | date = February 21, 2014 | url = http://newoldage.blogs.nytimes.com/2014/02/21/a-better-credit-card/}} 3. ^1 {{cite news | last = Jaffe | first = Ina | title = Services Offer A Means To Foil Widespread 'Elder Fraud' | newspaper = NPR All Things Considered | date = December 22, 2014 | url = https://www.npr.org/2014/12/22/372511329/services-offer-a-means-to-foil-widespread-elder-fraud}} 4. ^1 {{cite news | last = Laise | first = Eleanor | title = A Strategy for a Lifetime of Income: Split your nest egg into separate buckets to generate income throughout your retirement. | newspaper = Kiplinger | date = August 17, 2011 | url = http://www.kiplinger.com/article/retirement/T037-C000-S001-a-strategy-for-a-lifetime-of-income.html}} 5. ^1 {{cite news | title = True Link | newspaper = AngelList | url = https://angel.co/true-link}} 6. ^1 {{cite news | title = The True Link Prepaid Visa Card | newspaper = Family Caregiver Alliance National Center on Caregiving | url = https://caregiver.org/true-link-prepaid-visa%C2%AE-card}} 7. ^1 2 {{cite news | last = Raymond | first = Joan | title = Long-distance caregiving: Tech fills gaps for far-flung families | newspaper = TODAY | date = December 29, 2014 | url = http://www.today.com/health/long-distance-caregiving-tech-fills-gaps-far-flung-families-1D80385366}} 8. ^1 {{cite news | last = Guthrie | first = Dana | title = Red flags could mean your elderly relative is being bilked | newspaper = Houston Chronicle | date = December 3, 2014 | url = http://www.chron.com/life/gallery/Red-flags-could-mean-your-elderly-relative-is-98818.php}} 9. ^1 {{cite news | last = Justice | first = L.A. | title = Five Scams That Target Seniors – and How to Avoid Them | newspaper = National Examiner | date = December 8, 2014 | pages = 2–3}} 10. ^1 {{cite news | last = Williams | first = Geoff | title = Five Mistakes to Avoid When Hiring a Caregiver for Your Parent | newspaper = U.S. News | date = September 26, 2014 | url = http://money.usnews.com/money/personal-finance/articles/2014/09/26/5-mistakes-to-avoid-when-hiring-a-caregiver-for-your-parent?page=2}} 11. ^1 {{cite news | last = Searles | first = Kathryn | title = Protect Senior Citizens from Scammers with True Link Credit Card | newspaper = WCCB TV | date = October 20, 2014 | url = http://www.wccbcharlotte.com/rising/Protect-Senior-Citizens-from-Scammers-with-True-Link-Credit-Card-279760562.html}} 12. ^1 2 {{cite news | last = Kim-Mai | first = Cutler | title = YC-Backed True Link Raises $3.4M in Funding To Expand Debit Card, Financial Services To The Elderly | newspaper = TechCrunch | date = January 21, 2015 | url = https://techcrunch.com/2013/08/01/yc-start-up-true-link-financial-is-out-to-help-the-elderly-avoid-scammers-with-pre-paid-visa-cards/}} 13. ^1 {{cite news | last = Farr | first = Christina | title = Senior security: New credit card protects your grandma from online fraud | newspaper = VentureBeat | date = August 1, 2013 | url = https://venturebeat.com/2013/08/01/senior-security-new-credit-card-protects-your-grandma-from-online-fraud/}} 14. ^1 2 {{cite news | last = Arnold | first = Curtis | title = Protect The Elderly From Scams With A Prepaid Debit Card | newspaper = Forbes | date = May 22, 2014 | url = https://www.forbes.com/sites/moneybuilder/2014/05/22/protect-the-elderly-from-scams-with-a-prepaid-debit-card/}} 15. ^1 {{cite news | last = Clark-Wendel | first = Princess | title = How To Protect Your Parents and Grandparents From Financial Crimes Against the Elderly | newspaper = Forbes | date = September 10, 2014 | url = https://www.forbes.com/sites/sungardas/2014/09/10/how-to-protect-your-parents-grandparents-from-financial-crimes-against-the-elderly/}} 16. ^1 {{cite news | last = Buck | first = Claudia | title = Personal Finance: Prepaid debit cards may prevent seniors from being scammed | newspaper = | date = September 20, 2014 | url = http://www.sacbee.com/news/business/personal-finance/claudia-buck/article2610400.html}} 17. ^1 {{cite news | last = Steinmetz | first = Katy | title = Senior Startups: Innovators are targeting a new demographic | newspaper = TIME Magazine | date = November 17, 2014 | pages = 18}} 18. ^1 {{cite news | last = Tergesen | first = Anne | title = The Best Online Tools for Retirement Planning and Living | newspaper = Wall Street Journal | date = January 20, 2015 | url = https://www.wsj.com/articles/the-best-online-tools-for-retirement-planning-and-living-1421726470 | pages = Encore Section, page 1}} 19. ^1 {{cite news | last = Reader | first = Ruth | title = This startup raised $3.5M to help your grandparents fight credit card fraud | newspaper = VentureBeat | date = January 21, 2015 | url = https://venturebeat.com/2015/01/21/this-startup-raised-3-5m-to-help-your-grandparents-fight-credit-card-fraud/}} 20. ^1 {{cite news | last = Hosler | first = Hollie | title = A true link to financial freedom | newspaper = PBG Lifestyle Magazine | date = October 22, 2014 | url = http://www.pbglifestyle.com/pbglm-blotter/a-true-link-to-financial-freedom/}} 21. ^1 {{cite news | last = Angela | first = Swartz | title = True Link Financial Aims to Fight Senior Credit Scams | newspaper = All Things D | date = August 2, 2013 | url = http://allthingsd.com/20130802/true-link-financial-aims-to-fight-senior-credit-scams/}} 22. ^1 {{cite news | last = Holtfreter | first = Kristy, Michael D. Reisig, Daniel P. Mears, and Scott E. Wolfe | title = Financial Exploitation of the Elderly in a Consumer Context | newspaper = National Criminal Justice Reference Service | date = March 2014 | url = https://www.ncjrs.gov/pdffiles1/nij/grants/245388.pdf}} 23. ^1 {{cite news | last = Bowles | first = Nellie | title = Young tech entrepreneurs develop products for seniors | newspaper = San Francisco Chronicle | date = December 16, 2013 | url = http://www.sfgate.com/news/article/Young-tech-entrepreneurs-develop-products-for-5070029.php}} 24. ^1 {{cite news | title = New True Link Card Can Help Protect Seniors from Fraud | newspaper = SeniorTechDaily | date = August 16, 2013 | url = http://seniortechdaily.com/new-truelink-card-can-help-protect-seniors-from-fraud/}} 25. ^1 {{cite news | last = Hoekstra | first = Lisa | title = Protect Seniors Against Credit Card Fraud | newspaper = The Caregiver's Secret | date = September 13, 2013 | url = http://careisthere.com/thecaregiverssecret/protect-seniors-against-credit-card-fraud}} 26. ^1 {{cite news | last = Reutzel | first = Bailey | title = True Link Prepaid Card for Seniors Takes Ideas from Youth Payments | newspaper = PaymentsSource | date = August 1, 2013 | url = http://www.paymentssource.com/news/true-link-prepaid-card-for-senions-takes-ideas-from-youth-payments-3014970-1.html}} 27. ^1 {{cite news | title = True Link Financial closes $3.4m seed funding | newspaper = FinSMEs | date = January 21, 2015 | url = http://www.finsmes.com/2015/01/true-link-financial-closes-3-4m-seed-funding.html}} 28. ^1 {{cite news | last = McGarvey | first = Robert | title = More Protection Against Elder Fraud | newspaper = Credit Union Times | date = May 1, 2014 | url = http://www.cutimes.com/2014/05/01/more-protection-against-elder-fraud-onsite-coverag}} 29. ^1 {{cite news | title = Alpha Lab Informational Webinar: True Link Card Prototype Testing | newspaper = Filene Institute | date = June 11, 2014 | url = http://filene.org/join/event/alpha-lab-informational-webinar-true-link-testing}} 30. ^1 {{cite news | last = Rosenblatt | first = Carolyn | title = Have We Grossly Underestimated The Extent Of Financial Elder Abuse? | newspaper = Forbes | date = February 1, 2015 | url = https://www.forbes.com/sites/carolynrosenblatt/2015/01/29/have-we-grossly-underestimated-the-extent-of-financial-elder-abuse/}} 31. ^1 {{cite news | last = Yip | first = Pamela | title = Combatting the high cost of elder financial abuse | newspaper = Dallas Morning News | date = February 1, 2015 | url = http://www.dallasnews.com/business/columnists/pamela-yip/20150201-combatting-the-high-cost-of-elder-financial-abuse.ece}} 32. ^1 {{cite news | last = Brenoff | first = Ann | title = Study Finds Elderly Scams Cost 12 TIMES More Than Previously Thought | newspaper = Huffington Post | date = February 5, 2015 | url = http://www.dallasnews.com/business/columnists/pamela-yip/20150201-combatting-the-high-cost-of-elder-financial-abuse.ece}} 33. ^1 {{cite news | last = Sullivan | first = Bob | title = 6 Horror Stories of Elder Financial Abuse | newspaper = Credit.com | date = February 5, 2015 | url = http://blog.credit.com/2015/02/horror-stories-of-elder-financial-fraud-107857/}} 34. ^1 {{cite news | last = Diamond | first = Diane | title = Stop ‘elder financial abuse epidemic’ now | newspaper = Albuquerque Journal | date = February 7, 2015 | url = http://www.abqjournal.com/537979/opinion/stop-elder-financial-abuse-epidemic-now.html}} 35. ^1 {{cite news | last = Lima | first = Debora | title = Payment services company for substance abuse patients acquired | newspaper = South Florida Business Journal | date = August 9, 2016 | url = http://www.bizjournals.com/southflorida/news/2016/08/09/payment-services-company-forsubstance-abuse.html}} 36. ^1 2 {{cite news | title = True Link to Acquire Next Step: Diversified financial services firm absorbs payment provider for addiction recovery market | newspaper = PR Newswire | date = August 5, 2016 | url = http://www.prnewswire.com/news-releases/true-link-to-acquire-next-step-300308994.html}} 37. ^1 {{cite web | url = https://www.truelinkfinancial.com/card/true-link-next-step-card | title = The Next Step Card from True Link | website = True Link | access-date = August 10, 2016}} 38. ^1 {{cite web | url = https://www.truelinkfinancial.com/trust/pooled-trusts | title = Pooled Trusts | website = True Link | access-date = November 2, 2016}} 39. ^1 {{cite web | url = https://www.truelinkfinancial.com/methodology | title = Investment Methodology | website = True Link | access-date = November 21, 2016}} 40. ^1 {{cite web | url = http://www.samhsa.gov/data/sites/default/files/NSDUH-FRR1-2014/NSDUH-FRR1-2014.pdf | title = Behavioral Health Trends in the United States: Results from the 2014 National Survey on Drug Use and Health | website = Substance Abuse and Mental Health Services Administration | access-date = August 10, 2016}} }} External links
2 : Y Combinator companies|Companies based in San Francisco |
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