Protect Yourself Against Financial Fraud

Try to deal only with businesses and other organizations you already know or that have been recommended. When in doubt, contact your state or county’s consumer protection office (listed in the blue pages of your phone book) or the Better Business Bureau. Get key details of a significant offer in writing and thoroughly check them out before agreeing to anything. Make sure you understand your responsibilities and the potential risks before entering into any transaction. "If the person making the sales pitch only focuses on the benefits or the promised return and brushes over the costs and potential risks, the seller may not be acting in your best interest and the product may not be appropriate for you," warned Michael Benardo, manager of the FDIC’s Financial Crimes Section. Closely monitor credit card bills and bank statements. Look at your monthly statements as soon as they arrive and report a discrepancy or anything suspicious, such as a missing payment or an unauthorized withdrawal. Periodically review your credit reports for signs that an ID thief is misusing your name. Credit reports, which are prepared by companies called credit bureaus, summarize each person’s history of paying debts and other bills. If your credit report lists a credit card, a loan or a lease you never signed up for, chances are a con artist is attempting to commit fraud using your identity. Under a new federal law, you are entitled to one free credit report each year from each of the nation’s three major credit bureaus. Experts suggest spreading out your requests throughout the year to maximize your protection. To get a free report, call toll-free 1-877-322-8228. Remember the red flags of a fraud. You can avoid scams or help determine if an ill or elderly relative is a victim or target of fraud if you know some of the classic warning signs. They include: * Unsolicited offers from strangers or unfamiliar companies that sound too good to be true, including mail or phone calls proclaiming an elderly person to be the "winner" of prizes or investment "opportunities;" * Requests to send money or bank account information before a promised product or service is delivered; * Pressure to quickly say "yes" to a proposal, especially an oral offer to sell you financial products, household equipment or home repairs that you may not really need; * Indications of cash shortages when the elderly person should have enough money coming in; and * Checks payable to unfamiliar people or businesses for reasons that the elderly person can’t explain. Immediately report a fraud or theft to the proper authorities. Richard Moyer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

What To Do If Social Security Card Is Stolen

I have a friend who insists on carrying her social security card in her wallet. I have (repeatedly) tried to warn her of the dangers of that practice. I have explained to her that the social security card is the single biggest piece of information that could do damage if someone gets a hold of it. So, for her, the question of what to do if social security card is stolen may come true sooner rather than later. There are many steps you can take to protect your precious information, including your social security number. If you take the precautions you may never have to worry about what to do if social security card is stolen. Here is the number one way you can protect your social security card, as well as all your important information: 1. Never carry your social security card in your wallet. Why would you want to anyway? You don’t need it. You can just memorize the number and put the card away. 2. Put your social security card, as well as all important documents and unused credit cards, in a safe place. That safe place may be a safe deposit box or a safe right in your own home. These small water proof and fire proof safes don’t cost very much but they can be very valuable in protecting your information. If possible, bolt the safe to the floor so it is difficult to steal. 3. If you have any insurance or Medicaid cards that use your social security number as your identification number, you need to be careful with that too. Unlike your social security card, which doesn’t need to be carried with you, you do need to carry these insurance cards with you. For that reason it is important to make sure that the ID numbers on those cards, that are actually your social security number, will be kept safe. One thing you can do is make a copy of the front and back side of your insurance or Medicaid card. Then you can black out or cut out the last four digits of your social security / identification number. Then just keep that piece of paper in your wallet or cut out both sides and tape or glue them together to make your own "card". The government, as well as top insurance companies, are starting to realize that this can put your social security number in danger and will eventually do away with using these numbers as ID numbers. Until they do though, you can use this method to protect that number and still have your cards with you. If your social security card is lost despite all your best efforts, you need to contact all 3 credit bureaus since the number can be used to steal your identity. Also, contact your local police department and file a report about your loss. Hopefully, the information in this article will help you keep your social security card from being lost or stolen. And failing that, will help you know what to do if social security card is stolen. Richard Moyer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Victim Of Identity Theft-The Good News And The Bad News

If you ever find yourself the victim of identity theft I have good news and bad news. The good news is that since this type of fraud is happening more and more often, the process of putting things back together has improved a little. Can you imagine what it was like to prove someone had stolen your identity and try to clear your name back when it was still relatively unheard of? The bad news is that even though it may be a little easier today to reestablish your good financial name, it can still be a huge hassle. In this article I will give you some tips of the steps you need to take to get your records and credit cleared up. One of the best things you can do to get things cleared up as soon as possible is to act quickly. The second most important thing is to keep careful records. Document everything: everyone you speak to about this issue as well as dates and times of the conversations, keep copies of any letters you send or receive during this "clean up" process. Other than those tips, here are the specific things you should do: 1. No matter what has alerted you to a problem, as soon as you see something is wrong immediately contact all three credit bureaus: Trans Union, Experian and Equifax. Make sure they understand that your information has been compromised, explain in detail what has happened and request a fraud alert is placed on your reports. This fraud alert should make it impossible for anyone to open up a line of credit using your information. Ask how long this fraud alert will stay in effect. It may only be for a few months but you may be able to have the time frame extended beyond that point. 2. If any of your existing credit cards are lost you should also contact all your credit card companies and let them know what has happened. They will probably cancel all your cards and reissue new ones to you. 3. Contact your bank to see what, if any, steps they think you should take. Opening a bank account in your name or even having someone add themselves to your account and then cleaning you out are very real scenarios. Your bank should be able to tell you what you, or they, can do and what safeguards can be put in place to protect your existing accounts. 4. And last, but definitely not least, contact your local police department and file a report. This can help out later when you are trying to put things back together again. It may also be important if the thief is ever caught. The bottom line is this: do everything you can do to prevent yourself from becoming a victim in the first place. And if you ever find that despite your best efforts someone has succeeded in stealing your identity be willing to take the time to get it sorted out. Never be afraid to ask questions, get the names and titles of the people you are dealing with and make a timeline. Keep all records and stay calm. This too shall pass. These tips can make it easier to get everything back to normal if you ever become the victim of identity theft. Richard Moyer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Stolen Wallet What To Do-List Of Immediate Actions To Take

The question stolen wallet what to do is a common issue. The things that you do immediately after losing your wallet or having it stolen are very important. If you do the right things right away, you can almost always diminish any problems that will arise from your information falling into the wrong hands. The longer a crook has with your personal information, not to mention your credit cards, without you knowing it, the more damage they can do. So, the sooner you catch the situation and notify the right people the sooner you can stop the bleeding. In this article I will go over some easy things that you should do as soon as you realize that your information has been compromised. Again, do these steps as quickly as you possibly can once you realize your wallet has been stolen. Start here: 1. The first thing you need to do is to make sure all your credit and debit cards are canceled. This will be a slight inconvenience for a while, true, but there is nothing else that you can do. It will be even worse if someone racks up huge debt on your credit card. There will be 24 hour access to your credit card company, usually a phone number. The numbers are usually on the back of the card, though that won’t do you any good if you have lost your card. So, make sure you write down these numbers and keep them somewhere safe just in case this ever happens to you. 2. Next, you need to contact your bank. Let them know that your wallet has been lost or stolen. They will probably want to keep a close eye on your account. One thing that crooks like to do is to add themselves to your account. They will pretend that they are an owner on your account so they can take all the money out of that account. They may be able to use some of the information they find in your wallet to add themselves to your accounts. Let the bank know that your information is floating around out there somewhere. 3. Contact each of the three credit bureaus (TransUnion, Experian and Equifax) right away. They will need to know that someone has stolen your wallet and could possibly try to steal your identity. If your wallet is stolen you can usually get a fraud alert placed on your accounts. This will make it a lot more difficult for anyone to use your information to open up some sort of credit, whether a loan or another credit card. 4. The last thing you need to do, but by no means any less important, is to file a police report. This too will help you establish a time line. That time line can come into play if there is any damage done to your credit or loans or credit cards taken out in your name. This step will make it easier for you to prove that you really aren’t the one who did the spending. Hopefully this information will help answer the question "stolen wallet what to do" if you ever find yourself in that situation. Richard Moyer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Identity Stolen What To Do-Tips How To Handle The Crisis

If you find yourself asking the question "identity stolen what to do?" then this article can help. I will go over some of the basic things you should do to minimize the impact of a stolen identity on your financial life. I will also go over some simple things you can do to spot the identity theft as early as possible. The sooner the theft is detected the more you can do to keep the damage to a minimum. So, here are the steps to take that will allow you to spot trouble right away: 1. You are legally allowed one free credit report from each of the three credit bureaus once a year. If you spread out when you get the report to one from one bureau every 3 months or so, you can spread it out for a year. This is a great tactic and will enable you to keep an eye on your reports all year long. Remember though that not all reports will have the same information. If you spot anything that doesn’t look right contact that particular bureau as soon as possible. This could very well be the first sign that someone has stolen your identity. 2. If you have some credit cards that are getting close to expiring but you haven’t received your new ones yet, this could be a sign that someone has stolen the new cards. It’s not uncommon for them to take them right out of your mailbox. If this happens contact the credit card company immediately. Also carefully read over all your credit card statements every month. If you see any unusual transactions contact the company right away. 3. If you receive a letter from the post office read it. Don’t ignore it. The post office will contact you at the address they have for you to notify you that someone has requested a change of address. This is a common ploy used by thieves: they will simply redirect your mail to themselves so they can search through your mail at their leisure. If you spot any of these issues it’s a good bet someone has stolen your identity and is trying to cash in. If that happens, or if your wallet is lost, do the following right away: 1. Contact all 3 credit bureaus and explain what has happened. Tell them you want a fraud report attached to your credit report. That way the thieves can’t open new lines of credit in your name. 2. Next, contact your bank as well as all the companies you have credit with. Tell them what has happened so they can monitor your accounts. Another common tactic is the thieves will add themselves to your account then once they are listed as one of the account holders, they will clean you out. 3. Contact your local police department as well as the FBI. You want to file a report and establish a time line. This will help protect you from the damage the crooks do. These are all just very basic steps, your local law enforcement agency, bank or credit bureau may well have more information for you. Do what they tell you to do. Also, make sure you keep careful and detailed records of every step in the process. Hopefully these tips will answer the question "identity stolen what to do"? Richard Moyer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

5 Ways How To Earn Quick Cash On The Internet

Many newcomers come into the internet marketing world because they want to earn quick cash. [br][br]

Earning money on the internet is becoming easier and easier, now that so many resources, courses, e-books and training platforms are available. But there is still a learning curve involved, especially if you plan on being one of the really big industry earners.[br][br]

In the meantime, here are some legitimate ways to get paid for a wide range of online activities very quickly:[br][br]

Write articles and/or blog posts:[br][br]

More and more sites will pay for your articles or blog posts. Associated Content and Helium pay based on performance which is the number of page views your articles collect. Articles on specific topics can even earn direct payments up to about $200. And many companies are looking for part-time bloggers. The Weblogs Guide posts blogging jobs weekly in its forum.[br][br]

Make money helping people find better jobs:[br][br]

Sites like Who Do You Know For Dough?, WiseStepp, ReferEarns, Zyoin and Bohire bring hiring employers together with prospective employees. Pay for referring a candidate who gets hired ranges from $50 on up to several thousand dollars. So if you happen to know someone who’s looking for a job, you too can start your own recruiting business without investing a dime.[br][br]

Act as a broker – connect suppliers with buyers:[br][br]

Earn referral fees from Sites like Salesconx, InnerSell and uRefer. Vendors establish the referral fees they’re willing to pay and when the transaction is complete, you earn quick cash.[br][br]

Microstock photography:[br][br]

Contrary to popular belief, you don’t have to be a professional photographer to make money from your photos. There is always a need for stock photography for websites, presentations, brochures and so on, and people are very eager to pay for the right image. You need to make sure that you don’t include images of trademarked brands, copyrighted art or well known people but those are really about the only rules you need to follow. It would probably surprise you to learn what people need pictures of. If it’s a decent quality photo, upload it. Some sites to get you started include ShutterStock, Fotolia, Dreamstime and iStockphoto.[br][br]

Set up your own blog:[br][br]

Most people who are just starting out in internet marketing are intimidated by this but you really shouldn’t be. Nowadays it is so easy. At Blogger, for example, you can set up a blog for free in just a few minutes even if you’ve never blogged before. And you can make money this way because Blogger even automates setting up Google AdSense ads on your blog – when people click on these ads, you get paid. You can also advertise your own affiliate products and make commissions off of the sales you get from these. Just pick a subject that you like, write some articles about it, and get traffic to your blog.[br][br]

These are just a few ways you can earn quick cash online even if you don’t have sales or marketing skills, even if you have no money to invest and even if you don’t have your own product.[br][br]

5 Things to Think About for Any Online Marketing Campaign

An online marketing campaign can be an important tool for your company. It can help to bring you more clients, more interest, and more traffic, driving your company to new heights. It is important to make sure that you are going about online marketing correctly. You need to make sure that you are taking care of the details, and that you are approaching the tool with the right mindset. [br][br]

These five things to think about will help to guide you down the right path for your online marketing tactics. [br][br]

What Are You Trying to Do? [br][br]

You need to understand exactly what you are trying to accomplish with your Internet marketing before you decide on your online campaign. You need to think about your goals: are you trying to increase traffic to your website, increase sales, or simply increase awareness? Your answer to this question will directly influence the kinds of tactics that you use in your campaign. [br][br]

What Are You Trying to Say? [br][br]

You need to make sure that you understand exactly what you are trying to say to your possible consumers and clients through your marketing. Think about what you need people to know after reading your marketing tools. Should they know about the quality of your business, or the success that your business can bring? Can they save money with your company, or can you offer them something unique? Whatever your goal may be, your message should be clear and concise. [br][br]

Who Are You Talking To? [br][br]

You need to understand exactly who you are talking to before starting your campaign. Think about your target, their characteristics, and their personality. This will help you to tailor your message to their wants and needs. [br][br]

What Mediums are Used by Your Target? [br][br]

You need to understand the tools that your target responds to the most when putting together your campaign. Tactics that your target will not respond to will be a waste; you need to focus on the tactics that will effectively reach your target. While emails may be perfect for some target audiences, search engine optimization may be perfect for others. [br][br]

What Is Your Budget? [br][br]

In the end, you need to make sure that you keep your budget in mind. How much money do you have, and how much is the campaign going to cost? You may be able to add tactics to your campaign, or you may need to remove tactics from your campaign. Knowing your budget will help you to understand exactly how far your Internet marketing campaign can go. [br][br]

You simply need to make sure that you can answer all of these questions. [br][br]

If you know what you are trying to do, you will be able to figure out what you are going to try to say. [br][br]

If you know what you are trying to say, you will know who you are talking to. [br][br]

From that point on, you can think about the online mediums that can be used, and the amount of money that you can use. [br][br]

All of these questions will help you to come up with a list of tactics for your online marketing campaign. They will help to guide you, and will help you to create the most complete and efficient campaign possible. [br][br]

Richard Moyer is the Owner of [br][br]

Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.[br][br]