Tips in Protecting Your Identity Against Thieves

In these modern times that we live in, sharing of vital personal information without taking necessary precautions should not be a common practice. This is because, there are a lot of identity thieves that can take advantage of the information you have provided, and either use it against you, or use it for them to gain a lot of benefits from, at your cost. Because of this protecting your identity should be one of your concerns to avoid becoming a victim of these unscrupulous individuals.
To protect your identity, there are actually a lot of things that you can do. However, you need to identify the certain circumstances first, in which your identity may be put at risk. One of the situations, which are taken advantage by identity thieves today, is through online submission of application letters and resumes. These thieves can innovate and make their own websites to gather necessary information from individuals. One of the things they take advantage of is the fact that a lot of people apply for jobs online. Thus, they may create their own online hiring agency websites, to achieve it.
After you submit your resume, they may ask you for other vital personal information, and when you do that, you may already become one of their victims. To avoid this, you need to properly check on the background of the online agency you are about to submit your information to. Check out how long they have been on the industry. Aside from that, you should also check if they are highly visited by people, or if they have already helped a lot of people in getting their dream jobs.
Another way these scams get vital information from people is by installing a number of virus or other malicious programs in certain websites or files, which people may access randomly. When you download the file or access a web page, a virus may already be planted into your computer, which will eventually start gathering personal information from it. This is bad news, since a lot of people today keep vital information in their computers. Aside from possible identify theft, the virus can also corrupt a number of your computer files, which will prevent it from working properly.
Having a virus infected computer will cost a lot of inconvenience on you. Aside from losing files or risking yourself to identity theft, it can also prevent you from getting some work done. This is the reason why you need to have proper virus protection software installed in your PC.
There are a lot of software programs that can provide your PC with adequate protection against viruses and identity thieves. To gain more information about these programs, you can actually take a peek at a website called Protecting Your Identity, and you will be presented with the information you need.

For more information, check out: Protecting Your Identity at http://bit.ly/ProtectYourIdentity

Identity Theft Protection Tips Given By The City Of Santa Clarita

Identity Theft Protection Tips Given By The City Of Santa Clarita
Finally, you can protect your computer with a fire-wall, anti-virus software, or a program that removes spyware, to help prevent potential hacks or “phishing” attempts. If you have any information on a potential threat to identity security, you can …
Read more on KHTS Radio

Pinellas Warns Taxpayers to Protect Themselves from Identity Theft
Pinellas County consumer protection investigators will be at the Dunedin Library Monday (Jan. 25) to answer questions about tax identity theft and other consumer-related topics. PINELLAS COUNTY – Tax Identity Theft Awareness Week starts Monday (Jan.
Read more on TB Reporter (press release) (registration) (blog)

Tips to avoid scams and con-artists during flood recovery

Tips to avoid scams and con-artists during flood recovery
-Check your Credit Report: It is always a good idea to check your credit report to ensure that no unauthorized accounts have been opened in your name. If you think someone may have obtained your information, you should check more often. You can obtain …
Read more on Waynesville Daily Guide

1 Hour to Better Finances in 2016
You can get a free look at your credit report from the three bureaus at AnnualCreditReport.com. If you find any errors — accounts that aren't yours, late payments that weren't actually late, or records that simply don't make sense — you can dispute …
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10 ways to bounce back after holiday shopping
Another reason to monitor your credit report and your credit accounts closely after the holidays is to look for signs of fraud. If you see any unauthorized charges on your statement, contact your credit card issuer immediately to cancel your card and …
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Tips for Teaching Kids about Money Management

Tips for Teaching Kids about Money Management
By now our kids are well into the school year taking part in daily classroom activities. Whether they are learning their A-B-C's or studying advanced calculus, as parents it is up to us to teach our kids one of life's many great lessons: money management.
Read more on Accounting Today

Dave Ramsey: Money management pays off before losing job
I work in IT, and I recently learned that I'll be losing my $ 88,000 a year job at the end of February. We're debt-free, except for our home, and we have a full emergency fund in place. The problem is we just cash-flowed one daughter's wedding, and we …
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DCPS Athletic Director Stephanie Evans Resigns After Money Management Questions
A top administrator with D.C. Public Schools resigned following questions about her management of money, News4's I-Team reported. Athletic Director Stephanie Evans has been on paid administrative leave since October, when she returned from maternity …
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Auto financing tips: Affordable car models to purchase

The price of the vehicle is considered as one of the most important aspect that car buyers are looking into when they try to buy their own cars. This is because the price of the vehicle affects the expenses that they would incur. The vehicle’s price also affects the amount of down payment involved when a buyer decides to purchase his chosen vehicle through an auto financing deal. Due to this, more car buyers are using some of the popular online car finders to search for affordable cars as well as some reliable new car finderwebsites. In case you are currently searching for an affordable car to purchase or finance, you can consider the following car makes and models.

1. Hyundai Accent GL

The Hyundai Accent GL has a current market price of about $ 9,677 which makes it one of the most affordable cars in the market right now.  Besides this, the Hyundai Accent GL also boasts of its impressive fuel economy. It has 34 mpg on the highway and 28 mpg rating in the city. The average 5-year ownership cost of this vehicle is estimated to be around $ 26, 715.

2. Nissan Versa  1.6

Another vehicle that is sold in an affordable price is the Nissan Versa 1.6. Its current market price is estimated to be around $ 10,922 which is quite expensive compared to the Hyundai Accent. The Versa is a subcompact hatch with a larger interior compared to similar vehicle models such as the Honda Fit and the Toyota Yaris.   Besides its roomy interior, the Versa is also known for its 26 mpg in the city and 34 mpg on the highway. In terms of safety, the Nissan Versa 1.6 is equipped with six standard airbags and the Anti-Brake Lock System is also available as long as the buyer pays for an extra $ 250.

3. Kia Rio

Another affordable car model that allows buyers to experience a more budget-friendly auto financing is the Kia Rio. This 4-door car model has a market price of about $ 11, 824. It has a fuel-efficiency rating of 28 miles per gallon in the city and 34 miles per gallon in the city.



 

Marty Vergel Baes has been an article writer for two years now. He currently lives at Sta. Rosa City, Laguna, Philippines.

Related Auto Financing Articles

3 Bad Credit Auto Loan Tips For People Needing Auto Financing Without a Down Payment

This is a short list of tips that everyone should know if you have bad credit and are looking to get approved for car loan. If you are interested in obtaining auto financing without the need for a down payment, these tips will eventually help you.

Tip 1) The first tip that I’ll recommend to anybody that is looking for financing and have bad credit is to not accept the first offer that you are given. Sometimes people are so excited to get approved that they just sign whatever they have to because they are afraid that the approval may be taken away from them. If you can get approved today, you can get approved tomorrow as long as nothing changes. One dealership may give you a better offer than another and it’s important to remember that even when you have bad credit. So definitely shop around.

Tip 2) If the dealership tells you that you have to have a down payment, that may not be the case. It may simply be that the lender that they have your approved through will not loan the amount of money that the dealership is trying to sell the car for. If the dealership tells you that they can absolutely get you approved if you just have a certain amount down, then it is very likely that if you get a better price on a similar car that you will have no need for down payment.

Tip 3) Explore all opportunities before you make a final decision. There can be a bit of anxiousness involved in the car buying process when you have been turned down. It’s amazing how we want the things that we feel like we cannot get. This puts us in a vulnerable position and leaves the opportunities for less than ethical car dealers to take advantage of our emotional state.

There are many good sources available for car loans and some of them are online.

Enter your ZIP code and household monthly income at http://www.MyCreditTree.Net/ and see if there is a lender that will approve you for a no money down car loan.

A few tips to bolster your credit score

A few tips to bolster your credit score
Talk to credit counselors if you're in trouble. Using legitimate, nonprofit credit counseling can help you manage debt and won't hurt your credit score, the ABA said. For information on debt management, contact the National Foundation for Consumer …
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Prominent Debt Management Companies Acclaimed by 10 Best Debt
10 Best Debt, a top awards organization in the debt management industry, is proud to share its latest ranking of companies in the industry. Advantage Credit Counseling of Pittsburgh, Pennsylvania achieved top spot, with Cambridge Credit Counseling and …
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Consumer debts amid flat wages as rising rates loom
Plenty of people still face debt problems, and this trend is keeping credit counselors and others busy. Freedom Financial, a privately held debt-negotiating company that employs more than 600 people in Tempe, recently added a second office there and …
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Free counseling to help low-income Birmingham residents cut debt, improve credit
Birmingham residents with financial woes will get help making budgets and reducing debt through city-led initiatives. Mayor William Bell announced Thursday that the city had received a $ 150,000 in-kind grant through the Cities for Financial Empowerment …
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Debt Consolidation Tips – How to Avoid Bankruptcy

No one would have thought that bankruptcy is going to become such a major issue when the term originated in the medieval Italy. Well, here we are in the third millennium and bankruptcy is a real problem with very real repercussions. Most people think that going bankrupt is bad for person who is undergoing the process. These people do not know all the frauds that people conduct making use of these laws. Simply, if a person cannot pay money to the people, the bank or a company, court declares him bankrupt. Only a court can make this decision after going through all the evidence presented before them and finding out that there is no way for petitioner to meet his financial obligations.

Again lot of people think that they are home scot free after court declares them bankrupt. However, there are provisions in law for different kind of people or organizations declaring bankruptcy. Initially these laws were to help creditors only and debtor could rot in jail if he could not pay what he owes. In fact in ancient Greek you could take the person who owes along with his entire family as a slave if he could not make the payment on time. Luckily, modern and civilized people have discontinued this practice. Now a day what happens if you declare bankruptcy is that they are going to liquidate all your assets and then use that amount to pay off your creditors. If the amount recovered is not sufficient to pay off all people, then court writes off rest of the loan as a loss for the lending company.

Of course things are not always an s simple as that. Court can order to restructure and continue the business and design a new schedule of payment. Of course the lender prefers this solution over the outright Bankruptcy, as it allows for the recovery of his amount rather than losing all of his investment. Of course, it is a desperation move, which one should try to avoid as much as possible, you see it is going to ruin your credit rating. Once you declare bankruptcy there is no going back. No one is going to lend you money or even rent you a home or any other property.

Another factor you have to keep in mind is that all states do not offer protection to your retirement fund in case you file for bankruptcy. You can end up losing the money that you are counting to see you through the hard times ahead. You also have to notify your employee that you have filed for bankruptcy and federal court has ruled you as a bankrupt. Therefore, you should only make this decision after careful consideration.

 

Mikesmith John is well known debt settlement advisors in UK. He provides useful advice through his article on Debt Management Plan and Debt Consolidation Loans.

ICBA Provides Tips for Preventing Elder Financial Abuse

Washington, D.C. (PRWEB) June 11, 2015

June 15 is World Elder Abuse Awareness Day, and the Independent Community Bankers of America® (ICBA), the Senior Housing Crime Prevention Foundation (SHCPF) and the nation’s more than 6,000 community banks are providing tips for preventing the disturbing trend of elder financial abuse.

“Community bankers serve a vital role in protecting members of our communities, including the elderly who are all too often targets of financial abuse,” said ICBA Chairman Jack Hartings, president and CEO of The Peoples Bank Co., in Coldwater, Ohio. “It’s important for all Americans to be aware of this very real issue and learn about ways to help prevent elder financial abuse from happening. If you have questions or concerns about the safety and security of your finances, you should speak to your local community banker immediately.”

ICBA and SHCPF offer the following suggestions on ways to prevent elder financial abuse:

Secure all of your valuables in a bank safety deposit box. These valuables can include your Social Security card, passports, credit card account numbers, will and other legal documents, financial statements and medical records.
Do not give financial information to callers who contact you and claim to be from established organizations such as your bank or credit card companies, especially if they ask you to wire funds or send them private information. If you are concerned about your bank account, contact your local community bank directly.
Check your bank accounts and bill statements carefully. If you notice unauthorized charges, alert your bank immediately.
Do not give your personal information, such as bank account numbers or PINs, to anyone in a phone call, letter, email, fax or text message.
Have enough money set aside to support yourself and your immediate family for at least six months in case of an emergency. Your local community banker can help create a financial roadmap for you and your family.

“Elder financial abuse and scamming techniques are at epidemic proportions across our country. SHCPF is dedicated to providing educational resources to help our nation’s seniors and their family members on ways to protect themselves against financial exploitation,” said Edward J. Gentry, chairman, president and CEO of the Senior Housing Crime Prevention Foundation. “We are encouraging every community banker to spread the word on ways to prevent elder financial abuse and exploitation to every senior citizen and their adult family members.”

For more information about the SHCPF or to order the Preventing Elder Financial Abuse Video Toolkit, visit http://www.SHCPFoundation.org.

To learn more about community banks and services they offer, visit http://www.icba.org.

About ICBA

The Independent Community Bankers of America®, the nation’s voice for more than 6,000 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services. For more information, visit http://www.icba.org.

About The Senior Housing Crime Prevention Foundation (SHCPF)

The Foundation serves as a way for banks to earn CRA credit in the form of CRA-qualified loans, investments or grants through the operation of the nationally acclaimed Senior Crimestopper’s program. Funded exclusively by the banking industry, this program provides safe, secure and improved quality of life living environments in low and moderate income senior housing facilities, HUD communities and our nation’s Veterans homes. Banks enjoy guaranteed CRA credit, no administrative burden, installation of a turn-key program, and positive public relations exposure in their communities.

Not only does the Foundation impact the lives of the elderly, we also impact the community outside of the long-term care industry through the CRA-qualified securities we purchase on behalf of our bank partners. As March 31, 2015 the community impact has reached approximately $ 134 Million which goes to provide affordable home mortgages for low-to-moderate income families, affordable healthcare services, small business development providing job creation, as well as other economic development projects.

Senior Crimestoppers is a multi-faceted program that protects the elderly from theft, abuse, neglect and financial exploitation, and is administered by the Foundation who is endorsed by the ICBA, the ABA, and strong relationships with 43 bankers associations. For more information about the Foundation, visit http://www.SHCPFoundation.org or call 877-232-0859. For more information about the program, visit http://www.SeniorCrimestoppers.com or call 800-529-9096.

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More Home Mortgage Loan Press Releases

No Credit Check Auto Lender Gives 7 Tips to Get a Car Loan with Damaged Credit in New Article


Seattle, WA (PRWEB) April 26, 2015

Hunting for an auto loan can be a discouraging process for those with bad credit records. In the latest article from Complete Auto Loans, prospective auto owners are given 7 essential steps that they can take to be more successful in their search for an auto loan.

The first step Complete Auto Loans suggests is for buyers to determine where their credit scores really stand. Using Complete Auto Loan’s complimentary credit score tool, buyers can determine if they qualify for an auto loan in less than 60 seconds.

The second step is for buyers to pursue an auto loan, despite the possibility of being turned down by doubtful lenders. The article goes on to state that there are agencies, like Complete Auto Loans, that will not see buyer’s bad credit as a threat, and will be willing to meet their needs.

Another step buyers can take is keep their aims high, despite their lower credit scores. The article states, “Even if your credit scores are too low for other things, like repossessing a house, it may be at the perfect spot for a prime auto loan.”

For those struggling to get auto loans because of bad credit, Complete Auto Loans makes getting a car loan easy. Upon completing the easy online car loan application, applicants are given the opportunity to save thousands of dollars on their loan. For more information, visit Complete Auto Loans’ website.

About Complete Auto Loans:

Complete Auto Loans is a Seattle-based company that is dedicated to helping their customers acquire national car financing. They design and develop customized no credit financing, bad and good credit loans. Voted the best for “Quality Customer Service” and “Best National Service” by thousands of people, their finance experts focus on providing their customers with the following: information and tools available for different loan offers, how to choose the best loan that fits their budget, as well as related eligibility guidelines.