10 Simple Ways to Protect Yourself Against Identity Theft

These tips will help prevent against identity theft. Identity theft is public enemy number one at the Federal Trade Commission. The reason is that it tops the list of fraud complaints. Because it’s so prevalent, you need to have a cursory examination of some tips to help prevent identity theft. You can win the fight against identity theft by curtailing the efforts of the identity thieves before they can strike. They’ll come up empty when they try to go after you. It’s not just about reducing the use of your computer. Most identity thieves strike offline. Even worse, 43% of identity thieves know their victims.

Take a look through these 9 simple tips to help prevent identity theft:

1. To prevent identity theft, don’t ever release your Social Security number. Keep this information as close to your breast as possible. The only thing an identity thief needs to steal your identity is the Social Security number you have.

2. Keep all passwords in your memory. Never write the passwords down or carry the passwords around with you ever.

3. When you’re at an ATM machine, be absolutely certain that no one is leaning over you and watching you enter your password in.

4. When you’re bidding in an online auction, make sure that you pay the seller directly with a credit card so that you’ll be able to dispute the charges if the goods do not arrive on time or they were not represented well. If you ever can help it, then avoid paying by money order or check.

5. Make sure that you have healthy skepticism, as far as your attitude, when you are looking at websites that are offering giveaways or prizes. What’s usually the case is that you’ll just be asked to buy something that you didn’t want to begin with, even if you think you’ve won it.

6. Make sure that your children know not to ever give out any of their personal information like their password, telephone number, or address.

7. Use a protective subscription service that alerts you to identity fraud.

8. Make sure that you don’t carry around too much in your wallet or purse. Common theft is the easiest way for criminals to steal your identity. Make sure that you don’t have your Social Security card, birth certificate, or passport with you when you go out shopping. Don’t carry around any extra credit cards with you when you go out shopping.

9. When you’re making your PINs and passwords, never use the last four digits of a Social Security number, your birth date, or your middle name. Don’t use anything that could be easily guessed by an identity thief. You’re just asking for trouble.

10. Make sure that you review your credit report right now. One of the best ways to know if a criminal has taken your identity is to look at your credit report. Make sure that you report any mistakes to the credit bureaus. You can receive one free copy of your credit report every year according to federal laws.

How to Get a Car Loan With Damaged Credit

Do you want to get an auto loan, but you have damaged credit? That can be hard to do. It can be hard to find a good deal. Let’s take a look at some steps that you can do to get a good car loan with poor credit. You may just be able to pull it off.

Bad credit doesn’t mean that you can’t purchase a car at all. It doesn’t even mean that you can’t procure an auto loan with terms that are good. Poor credit is just a point of degree and opinion If your score is right on the edge, some lenders might think you’re still a great prospect, and others, that have slightly varying criteria, would calculate additional risk there.

The most important step is to go shopping. Some auto loans are made at around 20 percent. You definitely don’t want a mindset of just getting any loan. There are definitely a lot of deals that you can make.

It’s a great time to start searching when you have poor credit. Credit restrictions are starting to loosen up, and borrowers are looking for an auto loan. It’s become a lot simpler than it used to be before to get an auto loan. Our economy is getting better, and there are financing sources that are returning to the market.

Don’t think that the worst is going to happen. Pull up your credit reports at no cost. Even two people with the same score might look different to a lender. Even if a bad credit score is holding you back, you have an improved chance compared to someone with an identical score and zero credit history.

Be aware that car loans are different mortgage loans, and you pay less cash over much less time. A car is much easier to get back than a home too. The identical credit score that may have placed you out of a reach of a mortgage loan might not be so bad when you’re looking at getting a car loan. If you really try to go out and get a subprime loan, then you’re probably not going to get the terms you deserve.

Some lenders will look at your bad credit history in a better light than other people. It becomes very critical to shop around because you are going to get more favorable rates at different lenders if you really look around. Watch out for any lenders that work specifically with subprime customers, though, because that can be a bit of a red flag.

Even if you think you’re unable to get a loan, you need to go to a credit union or bank. Do an application at the place that you have a savings account or checking account opened up already. Check to see if your insurance company or employer has any auto financing.

Three Weird Tips to Save Money on Your Car Insurance

Everyone wants to save as much as possible on their car insurance. It’s a large bill each month and cutting down on it can be liberating. One thing you can do save a lot of money on car insurance is when you self-insure to the full extent that you can. In order to do that, try the following 3 weird tips:

1. Go for higher deductibles. Everyone says to do this, but that’s because it’s the simplest way to reduce costs. If your car is more than a certain age threshold, though, like ten years, the savings might not be all that much.

2. Take off towing. Good planning and maintenance can keep cash in your pocket. Never let your gas tank reach empty. Don’t ever lock the keys in the car. Always make certain that you keep a spare tire and that you know how to replace the tire. Sometimes your car might break down, but if you maintain your car well, it won’t happen that much at all. You pay between ten and 30 dollars over a policy’s lifetime and a single tow costs $100. Remember that in the event of a wreck, collision almost always covers towing.

3. Don’t do car rentals. Small cheap cars cost between $20 and $25 every day that you rent it. Car rental is about $20 to $40 a year. Go with the odds on this one. If you do a car rental for the purposes of a vacation, the insurance will cover it while you are driving that vehicle. Don’t pay for the additional coverage. The only items those offer are the following:

  • Zero deductibles. You already go throughout the whole year with the deductibles you have, so why should you change now? Furthermore, if you use a credit card to pay for the car, they could be for anything out of pocket in an accident.
  • Downtime coverage. Downtime is basically when the rental car that were in an accident with is being fixed, other customers can’t rent it out and they might hit you with a daily fee. This could be a thing if they can demonstrated that all the other cars were rented by other customers and they didn’t make as much money because you. Hawaii is infamous for charging this. However, it’s a risk you could choose to self-insure instead of paying the $21 a day to get the insurance.

Things to Consider Before Getting a Car Loan

There are a lot of things to consider before you get a car loan. You want to save as much money as possible. You want to ensure that you don’t overspend for something that’s already going to be a huge purchase. It’s prudent to at least take a few steps before you get a car loan. You don’t want to walk into the first car dealership you see and have them just hand the loan for you.

1. Shop around a lot for a car loan. This is one of the easiest and most overlooked steps out there. The most crucial point is that you don’t get your car loan from a car dealership. That’s the first misstep that people make. You should definitely check with a P2P lending source, bank, or credit union before you decide on a source for your car loan. Why not shop around first? Saving a couple thousand dollars might make a big difference to you. If you consult with a few lenders before you ever step out onto the lot, then you’ll be armed with some good information when you go into the car dealership. You’ll have some bargaining power.

2. Sidestep prepayment penalties. Things change all the time, and it’s important to have adaptability. Your car loan should be very flexible. You need to find a lender that will let you make additional payments or pay off the loan completely without any fees. It’s very critical that you look at the fine print because some penalties aren’t even called penalties.

3. Consider the kind of insurance you have before you go in for a car loan. Some lenders will want you to have disability insurance or life insurance before you get a car loan because they want to know that you can pay back the loan if you die. Having insurance might not be a requirement to get the loan, but you should have it if you maybe want to get better deals on the loan.

4. You need to look at the whole picture when you’re getting a car loan too. You don’t want to just pay attention to the amount of the monthly payments if they’re very low. You might end up paying a lot more over time. You could pay much more than the car’s worth. Use an online payment calculator, also known as a loan amortization calculator, to know what your monthly payments are going to be.

5. Know how much you can spend on a car loan each month before you go out and get one. Most people aren’t diligent budgeters, and it’s rare to find them. However, if they know how much they can pay each month, they won’t end up incurring troubles that they don’t want to deal with.

These tips should help you save a lot of money on your car loan. You should try to manage it more wisely because you don’t want to spend a lot of money on your car loan. That money could be used for a lot of other things.

5 Steps to Take Before Getting A Car Loan

It’s always great to have the keys to a brand new car. However, for most people, the real challenge is just forking over the money for that brand new car, which most people have trouble doing. Unless you get a lot of cash together, you’ll need to get some kind of car loan. You have to follow through on these six steps to get a great car loan, and you will then be able to ride around with the certainty that you got the sweetest deal.

1. Manage credit well. Initially, before you ever go out there and apply for a car loan is to take a look at your credit. Every US consumer can get a free credit report, so use this source very wisely. Take a look and see if there’s anything you have to fix. Any red flags or errors could hurt your car loan rate.

2. Know the amount you can spend each month before you go out and try to get a loan. It’s hard to find the really diligent budgeters out there because there’s not that many of them. You can find out the amount your car payments could be with an online payment calculator.

3. Look at the whole picture before you get a car loan too. Your car loan terms will depend on how much you pay and the amount the car loan costs total. Just keep in mind that an initial low cost may not translate to a lower total cost in the future. For instance, some people that take out home loans may pick a low down payment because it’s easier to manage now, but this will increase the whole cost of your car loan, and it will leave you owing much for several years.

4. Take insurance into account before you get a car loan. When different lenders offer you a deal, they may want you to have life insurance or disability insurance. They are probably a little scared that you might die and not have the ability to pay them back.

5. Shop around to get the best car loan. This is one of the easiest things to do, but it’s often not looked at. The most critical factor here is you won’t have to get your car loan from a dealership. Go to a P2P lending source, online lender, bank, or credit union. In the majority of cases, the car dealer won’t be able to offer you the best deal. If you check with an alternate lender prior to going out to the dealership, you’ll be well-stocked with the knowledge of what’s fair to get, and you’ll have a little bargaining power along with it.

These tips should help you when you’re getting a car loan. You shouldn’t go into the process blind. That would be extremely foolish. This is an important purchase. You want to have the best possible deal so that you don’t end up paying an arm and a leg for what could cost a finger, figuratively.

The Easy Way to Save Money on Life Insurance

Most prudent people know that it’s a good idea to save on life insurance, but they want to save on life insurance so that they don’t spend more than they need to. A lot of judicious people would agree that life insurance is a necessity if you have children or a wife, but the high cost of life insurance is discouraging. These tips should help make purchasing life insurance a lot easier for you.

1. Consider getting term life insurance. A lot of financial planners say permanent life insurance policies are better, especially if they have cash value elements, because these policies make you save cash. Others say that you should purchase term life insurance to get the less costly premium and then put the difference in whatever you want. You can’t consider cash value life insurance to be a typical investment though. Any loans or withdrawals will cut down on the death benefit. Furthermore, if you do a little cash value withdrawal in your policy in an amount that is more than the total amount of premiums, the withdrawal that is greater than full premiums will be considered to be taxable income. Moreover, the discrepancy in premiums between permanent life insurance and term life insurance is more than just a couple of dollars every year.

The Society of Actuaries says that whole life premiums can get up to five or ten times more than the equivalent amount of term life insurance, depending on what variation of level term is being looked at. For instance, if you’re looking at the premiums of a 30-year term that’s level, it’s going to be a tinier multiple, and 10-year policy premiums could go to a bigger multiple. Each time you go to renew your term life insurance, your premiums begin to go up. If you renew a short term life insurance policy repeatedly, it isn’t a prudent use of cash. Instead, you might want to buy a long-term life insurance policy, or you could purchase whole life insurance when you want to pass on some money to your children.

2. Look for low-load insurance policies. Low-load life insurance policies have less expenses that are built into them like fees and agent commissions. If you have life insurance that is variable, then this means that these lower expenses could mean that more of your premium starts working for you, and this will allow you to get your cash worth up faster.

3. Don’t get a guaranteed issue policy if you’re in good health condition. Guaranteed life insurance policies don’t need a medical exam, but they might just ask you a couple simple medical questions. These kinds of policies are a little bit more risky the insurance, and they are more expensive. These policies are usually for people with trouble getting life insurance because they have medical problems. The really high premiums, plus the low dollar price for your death benefit, make these policies a lot less desirable.

These tips will help you save money on life insurance. Life insurance is expensive, and you don’t want to spend more than you have to.

Simple Ways to Save Money on Car Insurance

Who doesn’t want to save money on their car insurance? It’s a big bill each month, and it’s required for most people. Cutting down on that bill can be liberating. Let’s look at some of the ways you can save money on your car insurance. Don’t fret if your bill is too high now because what you learn here can have substantial impacts on the amount of your bill.

Outside of self-insuring, there are some additional steps you can take to save money on your car insurance.

  • Do some shopping ahead of time before you buy the next car, and check on insurance rates. Most people assume that sports utility vehicles are really expensive and Jettas are cheap. That might not be true. Some businesses will add to your liability amount based on the potential amount of damages that your kind of vehicle could cause. So, for example, big SUVs cause big damage. However, they will also rate the cars based on the likelihood that they will be damaged in a wreck, the chances they have of getting stolen, and the extent to which passengers and drivers are injured. The Jetta or Neon is going to be much more expensive than you might think. Lots of companies will have lists of lower-priced and safer cars for you. Saturn is a car with a low insurance rate because its doors are resistant to dents.
  • Think again about getting gizmos after-market. If your car gets stolen or totaled, the insurance company will ascertain a total cash value or fair market price. They will assess your car as an entire package. Even if you paid $5,000 in after-market stuff like stereos, spoilers, and wheel, they might only add about $1,000 in value to your car. It’s not an equivalent dollar amount.
  • Keep all your insurance in one place. The more kinds of policies that you have from one company, the more money you’ll save on discounts.
  • Ascertain whether your insurance company has any breaks for low mileage that you might quality for.
  • You might also check to see if you can take a safety driving course. Some companies might offer you a discount for this.
  • Do not pay a monthly fee for your insurance. Your insurance carrier will charge a premium of $3 to $5 per month for this kind of billing. Pay once every six months if you can. If you have to pay monthly, do an automatic payment. You will have less charges because they only issue you a bill if the price changes.
  • Insurance companies are regulated by the state. They have to file their rates with the state, and they have to justify any additions. These are all public records, along with any kinds of fines or complaints.
  • These tips should help you cut down on your car insurance costs. No one wants to pay more than they absolutely have to. It can be frustrating each month to have to fork over a lot of money for a high bill.

    Tips and Tricks to Finding the Best Mortgage Loan Rate

    Pay attention to these tips & tricks to get a mortgage loan with an interest rate and terms that you like.

    1. Get a good credit score. You are going to need a better credit score than you needed in previous years to get a great mortgage loan. Before the financial crisis, mortgage loans were easier to get. The industry returned back to brass tacks after the crash. The greatest deals require a higher credit score now.

    2. Preserve and protect your credit. Several credit inquiries will make your credit score fall. Because of that, some potential borrowers are scared of scouring the market for a loan. They are concerned that if a couple of lenders pull up their credit reports, their scores might go down. The effect of shopping around for rates is a lot more complex than that. When mortgage companies make several credit inquiries in a couple of weeks of each other, those several inquiries just function as one inquiry. It will make the score drop a little. The drop is just going to be small though because all the different inquiries are seen as one single inquiry. There is one method out there that treats all the mortgage credit inquiries done in a 45-day period as a single inquiry. On outmoded, less nice method puts them all together made in the last 14 days.

    3. Shop around for a better deal. The interest rate is an important factor to consider, but there’s more factors in play too. There are discount points to consider, and there is the kind of mortgage loan to think about. When you’re looking around for the best rates, look at the different combinations of loan types and discount points. For instance, if your optimal guess is that you’ll stay in the house for ten years prior to moving in, look at the total fees along with the monthly payments you will make under various loan deals. Question whether the amount it might cost to pay no discount points and get a bigger interest rate when you could just pay more discount points and get a lower interest rate. You might be able to get rid of some of these options right away. At least you will have considered them though.

    4. Know the borrowing limit that you have. House payments are generally capped at 31% of monthly income. If you earn the average home income of $4,200 each month prior to taxes, then the house payment, including all the different costs of association dues, insurance, taxes, and interest, should not rise above 31%.

    These tips & tricks should make it a lot easier to get a mortgage loan. You want to get the right kind of mortgage loan instead of just getting any old kind of one. It’s very important that you get the right kind of mortgage loan if you want to have a happy life alone and with your family. Don’t just jump into a mortgage loan before evaluating it thoroughly. You want to make sure to get the right loan for your life.

    Mortgage Loan Tips for A New Homebuyer

    Getting a mortgage loan can be a scary thing for a new homebuyer. It can be difficult and tricky to work through the details and come out on top. These tips should help you navigate the process.

    1. Shop all around. There are thousands of companies in your state that are operating as mortgage lenders or mortgage brokers. If you spend some time comparing their rates, services, and fee, you could save yourself a lot of money by staying away from loans that have high fees and high rates.

    2. Look at different interest rates when you’re shopping too. Look at both variable and fixed rates. Look at the fees, and you should also check to see if they have prepayment penalties. The rate in the market for people with excellent credit is going to vary at different times. If you believe that your rates are going to go up, then you might want to lock in your rate. You should get a confirmation in writing of a lock-in, and you keep aware of the time that the lock is going to expire.

    3. Stay away from companies that tell you to commit fraud by saying that you have a loan with a business reason which is really just a personal, household, or family loan. This is sometimes done by companies to sidestep the rescission period, or to skirt the obligation to have serious disclosures. If there is some financial emergency, like an upcoming foreclosure, you might want to get rid of your right to rescission to catalyze the procedure without deceit.

    4. Stay away from companies that have statements like “no cost to you”. A minority of mortgage loan companies employ that phrase to mean that you have no out-of-pocket expenses at closing. Basically, they will tack on closing costs to the loan balance instead of requiring you give money at closing. Make sure that you’re aware of all the fees you’re paying, whether they are tacked onto the loan or not, it is all in your power to determine if you’re getting a fair deal or not.

    5. Don’t churn the mortgage loan that you are going to get. Usually, every time you do a refinancing, you take on costs and fees that are non-refundable. Don’t enable a mortgage lender or mortgage broker to swindle you into a mortgage rewrite on a mortgage loan just so that you can get a tiny bit of cash out. Most people discover that they have $5,000 added onto their debt just to get $2,000.

    These mortgage loan tips should help save you money and get a better deal. Beware of unscrupulous companies. More importantly, beware of unscrupulous practices by big companies. The latter is more common so stay on top of the mortgage lender market in your state. Only go with companies that are properly evaluated and rated and never choose a company that you know nothing about or has a bad track record as far as the kind of actions that have been taken against them in the past. Don’t get caught up in a bad mortgage deal.

    Life Insurance Saving Tips

    Life insurance is what judicious and prudent people purchase for the benefit of their wife and children. However, the cost of life insurance can be prohibitive. That’s why so many people neglect to get it. However, these tips can help you save money on life insurance. You just may change your mind on getting life insurance after you read this article.

    1. You should do a lot of research on life insurance quotes before you ever purchase a package. Even though not all Internet life insurance quoting websites will show you the lowest cost for term life insurance, they can still be a great information source about prices. Keep in mind that the more truthful information you can give about yourself, the more precise your life insurance quotes are going to be. The lowest quote that you get should be what you use to get a baseline for when you shop around.

    2. You should also make your health a lot better too. Health problems can make your life insurance premiums go way up. If you have medical conditions like heart disease, diabetes, or high blood pressure, it might be very hard to get a low rate at a life insurance company. There are also higher rates for nicotine users and smokers. You will always find a high life insurance cost if you smoke or drink. Some insurance companies might only consider you a nonsmoker if you’ve never smoked in your entire life. Others might necessitate that you be nicotine-free for six months to more than five years or longer to get the rate for people that don’t use nicotine. Insurance companies could even ask for saliva or urine tests to determine if you have the existence of nicotine in your body. Weight is another big factor. If you’re very healthy, but you’re kind of overweight, you have probably get quoted a higher rate too. If you have a pre-existing medical condition, it could lead to a lot higher rates. You’ll probably get a lot lower premium rates if you can show your insurance company that you’ve been taking steps to improve your health.

    3. Buy only the life insurance program that you need. You should just ask yourself the simple question of how much money it would take to keep up your family’s lifestyle if you were going to die. Do you have any money set aside for your children’s education at all? Experts tell you to do an annual analysis or at least every three years. You should always look at your policy when a major life change is going on. For instance, if you have a new baby, then you need to set aside for college education and childcare. If you have a home, then a mortgage is probably your largest financial cost.

    These tips will help you save money on life insurance. No one knows when they’re going to die, and it can strike someone suddenly. It helps to have life insurance in place so that your family will be taken care of when that inevitable moment comes.