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Added for You - The Winner's Edge - Protect Yourself from Identity Theft
Managing personal finance is a very important skill that everyone must master. But sad to say, our schools do not teach this important skill.Let me share with you my 2 cents worth of insights about managing your personal finance.1. Always buy your stuffs at a discount. Some people think that buying at a discount is being cheap, but only fools who do not take advantage of this chance to save some money.2. Always ask for a receipt. Review all your receipts at the end of the day so that
Buy a shredder. Shred all mail and other pieces of paper that contain personal information before putting it in the garbage. This includes mailing labels on magazines, receipts, insurance forms, doctor's statements, bank statements, checks and credit card statements. If you aren't able to obtain a shredder, thoroughly tear up all of these items.
Only give out your Social Security Number(SSN) when absolutely necessary and keep your Social Security card in a safe place. Ask to use other ways to identify yourself. Often, employers and financial institutions will want your SSN for tax reporting purposes so you will probably have to give it to them.
When you leave home, keep
Do you often attend in-person events, such as workshops, networking breakfasts, and seminars, and as you speak with people you collect a handful of business cards, but then you don't know what to do with them?Of course if someone's expressed an interest in your services, you want to follow up with them, but most people you talk with at these events may not need your services RIGHT NOW, yet they very well may in the future.So how do you make sure you're at their fingertips when they do need
Identity thieves will open credit card accounts in your name, steal from your bank accounts and ruin your credit rating and reputation. Victims of identity theft have been refused loans, turned down for jobs and in some cases arrested for crimes they didn't commit.
HOW IT OCCURS
Identity thieves can gain access to your sensitive personal information in several ways.
They can obtain information from businesses and other institutions, such as schools, by stealing records from their employers, bribing employees to steal it and by hacking into computers.
They can "dumpster dive," that is, rummage through your trash can or the trash of businesses.
They can use a technique known as "skimming" to steal your credit card number when your card is processed at a store.
They can use their employer's access to credit reports to get your confidential information. Or, they may contact credit reporting agencies and pose as an employer or landlord.
They steal wallets and purses, which usually contain driver's licenses, credit and debit cards.
They will steal your mail, looking for bank and credit card statements, tax documents, new checks and offers for pre-approved credit cards.
They steal personal information from your home.
HOW TO PROTECT YOURSELF
The first thing to do is order a copy of your credit report from each of the three major credit bureaus.
Contact:
Equifax www.equifax.com 1-800-685-1111
Experian www.experian.com 1-888-EXPERIAN
Transunion www.transunion.com 1-800-916-8800
If there are no unauthorized activities on your credit reports, there is a good chance that you have not been a victim. Yet. So you must be diligent and cautious about when and how you reveal any information about yourself.
Here are some other steps to take:
Put passwords on your bank accounts, credit cards and phone accounts. It's best not to use information that can be easily obtained such as your birth date, your mother's maiden name, the last four digits of your social security number or your phone number
Make sure that all of your personal information in your home is in a secure place, especially if you have roommates or if you have outside people such as contractors or cleaning service staff work in your home.
Do not give out any information over the phone or on the internet unless you are the one who initiated contact and you know who you are dealing with.
When filling out applications, ask how your personal information will be used and secured, and if it will be shared with others. Ask if you can have the info be kept confidential.
Protect your mail. Don't put outgoing mail in your personal mailbox to be picked up. Instead take it to the post office or drop it in an official mailbox
Buy a shredder. Shred all mail and other pieces of paper that contain personal information before putting it in the garbage. This includes mailing labels on magazines, receipts, insurance forms, doctor's statements, bank statements, checks and credit card statements. If you aren't able to obtain a shredder, thoroughly tear up all of these items.
Only give out your Social Security Number(SSN) when absolutely necessary and keep your Social Security card in a safe place. Ask to use other ways to identify yourself. Often, employers and financial institutions will want your SSN for tax reporting purposes so you will probably have to give it to them.
When you leave home, keep o
Mortgage lawyers are trained legal professionals who focus on the legal aspects in the preparation of real estate mortgages, lending transactions secured by real estate, real estate closings and title examination among other services.There are a number of Atlanta based firms offering services in the area of real estate transactions and mortgages. They specialize in these specific fields, handling a large number of clients. Thus, it is easier for them to understand the problem of the clients.
They can "dumpster dive," that is, rummage through your trash can or the trash of businesses.
They can use a technique known as "skimming" to steal your credit card number when your card is processed at a store.
They can use their employer's access to credit reports to get your confidential information. Or, they may contact credit reporting agencies and pose as an employer or landlord.
They steal wallets and purses, which usually contain driver's licenses, credit and debit cards.
They will steal your mail, looking for bank and credit card statements, tax documents, new checks and offers for pre-approved credit cards.
They steal personal information from your home.
HOW TO PROTECT YOURSELF
The first thing to do is order a copy of your credit report from each of the three major credit bureaus.
Contact:
Equifax www.equifax.com 1-800-685-1111
Experian www.experian.com 1-888-EXPERIAN
Transunion www.transunion.com 1-800-916-8800
If there are no unauthorized activities on your credit reports, there is a good chance that you have not been a victim. Yet. So you must be diligent and cautious about when and how you reveal any information about yourself.
Here are some other steps to take:
Put passwords on your bank accounts, credit cards and phone accounts. It's best not to use information that can be easily obtained such as your birth date, your mother's maiden name, the last four digits of your social security number or your phone number
Make sure that all of your personal information in your home is in a secure place, especially if you have roommates or if you have outside people such as contractors or cleaning service staff work in your home.
Do not give out any information over the phone or on the internet unless you are the one who initiated contact and you know who you are dealing with.
When filling out applications, ask how your personal information will be used and secured, and if it will be shared with others. Ask if you can have the info be kept confidential.
Protect your mail. Don't put outgoing mail in your personal mailbox to be picked up. Instead take it to the post office or drop it in an official mailbox
Buy a shredder. Shred all mail and other pieces of paper that contain personal information before putting it in the garbage. This includes mailing labels on magazines, receipts, insurance forms, doctor's statements, bank statements, checks and credit card statements. If you aren't able to obtain a shredder, thoroughly tear up all of these items.
Only give out your Social Security Number(SSN) when absolutely necessary and keep your Social Security card in a safe place. Ask to use other ways to identify yourself. Often, employers and financial institutions will want your SSN for tax reporting purposes so you will probably have to give it to them.
When you leave home, keep
If you need a Michigan car insurance quote but you're not sure what to quote on, here are a few tips to get the right quotes and save money. This includes the minimum state requirements for auto insurance.By law, Michigan requires that you purchase no-fault car insurance if you own a vehicle. According to Michigan's official state Web site, they have the most comprehensive no-fault auto insurance system in the country.With this system, vehicle owners and their families are provided w
HOW TO PROTECT YOURSELF
The first thing to do is order a copy of your credit report from each of the three major credit bureaus.
Contact:
Equifax www.equifax.com 1-800-685-1111
Experian www.experian.com 1-888-EXPERIAN
Transunion www.transunion.com 1-800-916-8800
If there are no unauthorized activities on your credit reports, there is a good chance that you have not been a victim. Yet. So you must be diligent and cautious about when and how you reveal any information about yourself.
Here are some other steps to take:
Put passwords on your bank accounts, credit cards and phone accounts. It's best not to use information that can be easily obtained such as your birth date, your mother's maiden name, the last four digits of your social security number or your phone number
Make sure that all of your personal information in your home is in a secure place, especially if you have roommates or if you have outside people such as contractors or cleaning service staff work in your home.
Do not give out any information over the phone or on the internet unless you are the one who initiated contact and you know who you are dealing with.
When filling out applications, ask how your personal information will be used and secured, and if it will be shared with others. Ask if you can have the info be kept confidential.
Protect your mail. Don't put outgoing mail in your personal mailbox to be picked up. Instead take it to the post office or drop it in an official mailbox
Buy a shredder. Shred all mail and other pieces of paper that contain personal information before putting it in the garbage. This includes mailing labels on magazines, receipts, insurance forms, doctor's statements, bank statements, checks and credit card statements. If you aren't able to obtain a shredder, thoroughly tear up all of these items.
Only give out your Social Security Number(SSN) when absolutely necessary and keep your Social Security card in a safe place. Ask to use other ways to identify yourself. Often, employers and financial institutions will want your SSN for tax reporting purposes so you will probably have to give it to them.
When you leave home, keep
Business income is determined by business inputs. This having been said, so many beginning computer consultants want to know what they will make in the first year. They try to base their business decisions on what they think an average business income will be.We can't tell you how much you're going to make. Your business income is dependent on so many variables that it is impossible for us to predict. What we can tell you are the variables that are within your control. Ask yourself the followin
Make sure that all of your personal information in your home is in a secure place, especially if you have roommates or if you have outside people such as contractors or cleaning service staff work in your home.
Do not give out any information over the phone or on the internet unless you are the one who initiated contact and you know who you are dealing with.
When filling out applications, ask how your personal information will be used and secured, and if it will be shared with others. Ask if you can have the info be kept confidential.
Protect your mail. Don't put outgoing mail in your personal mailbox to be picked up. Instead take it to the post office or drop it in an official mailbox
Buy a shredder. Shred all mail and other pieces of paper that contain personal information before putting it in the garbage. This includes mailing labels on magazines, receipts, insurance forms, doctor's statements, bank statements, checks and credit card statements. If you aren't able to obtain a shredder, thoroughly tear up all of these items.
Only give out your Social Security Number(SSN) when absolutely necessary and keep your Social Security card in a safe place. Ask to use other ways to identify yourself. Often, employers and financial institutions will want your SSN for tax reporting purposes so you will probably have to give it to them.
When you leave home, keep
I know … I know … who wants to get flirting advice from a middle-aged man? When you picture this situation, you probably see yourself sitting in front of the television, beer in hand, trying not to roll your eyes at the flirting advice coming from the mouth of a man with a beer gut and a middle-aged wife nagging him. Conversely, you might be envisioning getting flirting advice from a smooth-talking guy with slicked-back hair who gets the ladies because he’s got deep pockets. But this is not that kind of
Buy a shredder. Shred all mail and other pieces of paper that contain personal information before putting it in the garbage. This includes mailing labels on magazines, receipts, insurance forms, doctor's statements, bank statements, checks and credit card statements. If you aren't able to obtain a shredder, thoroughly tear up all of these items.
Only give out your Social Security Number(SSN) when absolutely necessary and keep your Social Security card in a safe place. Ask to use other ways to identify yourself. Often, employers and financial institutions will want your SSN for tax reporting purposes so you will probably have to give it to them.
When you leave home, keep on your person only those credit cards and types of identification that you will need with you.
Stay on top of your billing cycles. If your bills don't arrive on time, contact your credit card companies to see if there has been unauthorized use of your card.
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