Tips to Outsmart Financial Spies

People are scared of identity theft, and for good reason. If a bad guy gets his hands on your credit card information or1a Social Security number, he can set up accounts in your name, launder thousands of dollars and ruin your credit. It can take years – and countless amounts of time and energy – to clean up the mess.

A survey of 1,000 adults by MasterCard released in July found that 77 percent of Americans feel anxious about having their financial information stolen, which is a greater percentage than those who fear their home being robbed (59 percent). Still, many respondents reported engaging in behavior that increases their risks of being a victim of identity theft or fraud, including rarely changing passwords for online financial accounts (46 percent) or using the same password for multiple accounts (44 percent). 

“The average person should be very concerned,” says Charlie Price​, managing director in MorganFranklin Consulting’s corporate investigations and dispute solutions practice and a former FBI agent. “Every time you click on a link, you’re essentially opening up your front door to let a con man in,” he says.

The Best Tools for Managing Household Finances

When Johnny and Joanna Galbraith got married eight years ago, they quickly realized they needed a way to7y coordinate their spending and saving with each other. “We didn’t know what we were doing at the beginning of our marriage, but we opened up a joint checking account to make it easier to communicate,” Johnny, 30, recalls. That account only addressed a small subset of their finances, though. “We still needed to find the time to chat about goals and what’s motivating us,” he says.

The Gailbraiths, who live in Salt Lake City with their two young daughters and have since founded the money website ourfreakingbudget.com, started tracking their financial accounts through shared Google Drive documents and reviewing them together once a month. To share daily spending with each other, they use the HomeBudget app, which syncs across their phones.

As the Gailbraiths discovered, managing household finances can be challenging, especially when it requires coordinating multiple people’s spending habits and staying on track to meet shared goals. While Mint, a free money management website and app, is often cited as the best starting place, a handful of new tools have hit the

7 Ways to Get Your Credit Card Ready for Holiday Shopping

If you’re planning to pay for your holiday purchases with a credit card this shopping season, make sure you’re beingdghf6 smart about saying “yes” to plastic. Nearly half of Americans planned to use credit cards for holiday purchases last year, according to a TransUnion survey of over 1,000 adults. The jury’s still out on this year’s forecast, but it’s fair to say many U.S. consumers will be turning to rewards cards or other credit cards to support their holiday buying efforts.

Here are seven things you can do to get your credit card ready for the upcoming holiday shopping season.

1. Pay down high credit card balances. If you want to avoid over-the-limit charges and keep your credit score in good shape after the holiday shopping season winds down, make sure you aren’t maxing out your credit cards after this year’s spree. Take inventory of your current debt load on all cards, and start paying down higher balances. You might also consider balance transfer offers that can free up some of the credit line on a rewards credit card, so you can pay off higher balances at low

Vanilla Options Versus Binary Options

What is the Optimal Choice for you?

Today’s global web attracts us withnumerous financial tools, promising any trader an extraordinary financial career, offering him incredible investmentpossibilities with almost unlimited trading volumes. Count yourself: binary options, vanilla options, barrier options, Asian options, digital options…so many potential choices to make your opinion.

fibonacci-picture-one

When thinking as each and every beginning trader would probably do, we should raise a question: do alltrading optionsshare mutual traits, or maybe they are completely divergent in values, having the power to upgrade a trading process to a completely different level? To simplify the issue, let us highlight, compare and contrast two of the following most captivating options: binary options and vanilla options.

Select a Trusted Broker, Protect Your Trades

The question is which authority can you trust and what is the best investing decision for you?

  • Firstly, make sure that the broker you are going to trade with is a trusted, safe and secured authority, officially regulated by an empowered body.
  • Secondly, check whether this firm can offer you stimulating educational materials, updated articles on a variety of current market events, a free demo account

How to plan your forex trading: unusual tips

A trading plan should provide a model of behavior in case of force majeure, that may occur during trading. Among these circumstances, in this case, refers to non-trade situation, which can negatively affect your trading, such as a power outage, the Internet, computer failure and so on. In case of such situations, if a trader has an open position (especially if it is unprotected Stop Loss, which should be avoided), his panic, during which a lot harder to do anything if it was not provided in advance. For this case, you must provide all possible force majeure circumstances that may occur and to provide themselves with their decision. For example, the following:

Get uninterruptible power supply;

Use the services of VPS-servers;

Install trading terminal to other computers or gadgets;

Get a 3G-modem;

Write down a list of nearby establishments with access to WI-FI nearby;

The phone number and contact the hot line broker.

If you are sick or are in an unstable emotional state, it is best to limit yourself from the trade, as your actions and trade decisions can be irrational and ill-considered. Set the conditions for yourself in which you will be forced to abandon the trade: illness, stress, depression, strong emotions (including positive, which

How to Get a Green Card

The immigration procedures to enter the United States are long and tough. You can migrate to US through a visa, that has been sponsored by relatives and get the greencard or get the green card through on the basis of one’s own eligibility. Before going into discussing the prime focus of the page, which is how to get a Green card in USA, let us first look into what is a green card and what does it mean.

Green card is a permanent resident card and a evidence of being lawfully granted immigration to work and live in the United States. One can get the greencard while living in the US or even outside of the US. For people getting while being present in the US physically, the process is called adjustment of status and if he is not present in the country, then it is called consular processing.

Once you hold a green card, you can apply for US Citizenship after living for a few years in USA. Generally, green card is issued for 10 years and one can renew the green card after submitting the renewal application.

Let us browse through various ways on how to get a Green card.

Family Based

Weighing The Benefits of Debt Settlement

Debt settlement is an agreement with a creditor to accept a lower amount of money to resolve the money owed. Debt settlement can be attempted with the original creditor, but it is usually after the debt has been sold to a collection agency that debt settlement comes into play. There is, of course, no guarantee that the current creditor will settle. Larger agencies are usually easier to settle with than smaller ones, but if you’re in trouble it’s an option that should be looked into no matter what. Let’s look at some of the pros and cons of debt settlement here.

The Positive Aspects of Debt Settlement

Debt settlement can be extremely helpful to a lot of people. For starters, you can be free of a large debt for less than the full amount owed. Obviously, this can save you more than a small amount of money. In many cases, the debt amount can be reduced by 40-60%. Your credit status will be improved by no longer showing a delinquent item. In some cases, creditors will even agree to delete negative information already supplied to the credit bureaus. Also, debts resolved through debt settlement are no long subject to collection calls or

Share Market Tips and Terms You Must Know

Many types of brokers and advisers are providing you free commodity tips, live stock tips.

These companies signifies the myriad sectors of the Indian financial system. A few of these companies & the sector they symbolize are: ACC (cement), Tata Motors, Bajaj Auto, Maruti (automobile), TCS (information technology), ONGC, Infosys, Wipro, ITC, Reliance (oil & gas), HLL (fast moving consumer goods) etc.

Each & every company has a weight allocated to it. Companies like Infosys, Reliance and HLL have higher weightings compared to others, such as HDFC, Wipro or a BHEL.

The Weights Assigned to Sensex Stocks

The up or down in this share market index, the Sensex, is the effect of a corresponding up or down in the stock market rate of these thirty companies.

Nifty:

It is the Sensex counterpart of the National Stock Exchange (NSE).

The only main difference between the 2 indices (the Sensex & Nifty) is that the Nifty includes of the 50 companies and hence is more extensive based than the Sensex.

Having said that, one should remember that, the Sensex is the standard benchmark that shows Indian equity markets internationally.

The Nifty 50 or S&P CNX Nifty as the nifty index is officially called has every of the 30 Sensex stocks.

The NSE

All You Need to Know About Debt Funding

Debt funding involves borrowing money from an investor or lender, knowing that it has to be repaid in future, along with the interest. Usually, debt funding does not incorporate any provision for ownership of the firm. Rather, small businesses that choose to go for debt funding accept a direct obligation to repay the money within stipulated period of time. The interest rate that is charged on borrowed money represents risk level that the lenders take by lending funds. Say for instance, a lender might charge relatively higher interest rate from a startup company as compared to the one that has been generating profit for several years.

Although there are multitude of ways for small businesses for debt funding, including convertible debentures, private placement of bonds, industrial development bonds as well as leveraged bonds, a regular loan is the most common type of debt funding. Categorized as short term, long term or a credit line, they can be endorsed by co-signers, secured through collateral or guaranteed by the government.

 

According to experts, debt funding is a useful strategy, especially for organizations having good credit, along with stable history of revenues, cash flow as well

All You Need to Know About Debt Funding

Debt funding involves borrowing money from an investor or lender, knowing that it has to be repaid in future, along with the interest. Usually, debt funding does not incorporate any provision for ownership of the firm. Rather, small businesses that choose to go for debt funding accept a direct obligation to repay the money within stipulated period of time. The interest rate that is charged on borrowed money represents risk level that the lenders take by lending funds. Say for instance, a lender might charge relatively higher interest rate from a startup company as compared to the one that has been generating profit for several years.

Although there are multitude of ways for small businesses for debt funding, including convertible debentures, private placement of bonds, industrial development bonds as well as leveraged bonds, a regular loan is the most common type of debt funding. Categorized as short term, long term or a credit line, they can be endorsed by co-signers, secured through collateral or guaranteed by the government.

 

According to experts, debt funding is a useful strategy, especially for organizations having good credit, along with stable history of revenues, cash flow as well

Repairing Bad Credit History in Australia

Do you have a bad credit rating and are not sure how it happened? You are not alone. Possibly millions of Australians have a bad credit rating, and many of us are not aware we have black marks against our name until we apply for credit and are flatly refused.

What is your Credit File

Credit file contains details of all credits ratings if it contains one or more adverse listings such as a default, judgment or bankruptcy. It is recommended you refer your case to a credit repair company.

Checking your Credit Rating

To see what is recorded in the credit report, one has to get a copy of the report. A report can be requested from one of the agencies maintaining such information. Just provide the basic identifying information like full name, address, date of birth, any previous addresses, and driver’s license number. Credit reports have to be supplied to the owner free of charge.

Upon receipt of the report check to make sure it is accurate; mistakes in credit reports are not uncommon. It is also possible that forgetting to pay a phone bill four years earlier may be the cause of not being approved. It is also entirely possible that someone

Strengthening Survival Confidence with Social Security Retirement Benefits

Old age calls for redundant worries and tensions. Moreover, you are no longer in the best of state to work and earn for yourself. Those who have been born between the years of 1946 to 1964 are generally referred to as baby boomers. US government have specified social security program mainly of this section of the population and even for others. Thus, through the Coaching for Baby Boomers the blessed ones can make a fair idea regarding the sort of benefits they are to receive, and what actually they are entitled to in the form of Social Security Retirement Benefits. This is all about acquiring a benefit amount to stay socially sound and protected.

Judging the Eligibility Factor

Based on the plan of Social Security Retirement Benefits you can definitely enjoy some of the best assistances in life. For the kind of benefit you need to make an application in time. If you don’t apply for the benefit you would never receive the specified amount. To consider yourself as an eligible candidate for the benefit, your entire work history is taken into account. You need to work approximately for 35 years in totality for acquiring Retirement income at the right point of

Close A Car Deal This Festive Season With Precise Financial Maturity

Festive seasons offer the best opportunity when you are looking to buy a new car. Apart from discounts and freebies, the Diwali festive season also has a plethora of other opportunities that make your car purchase deal more financially sound.

Online Car Loan

You can walk into a car dealership, choose a car and look for the financing options available at the dealership. Else, you can pre-plan your purchase by searching for a car loan on an online loan providing website. This way you will be lesser surprised as you can know exactly what amount of spending your chosen car requires beforehand. Leasing a car is not a financially sound option as, at the end of the lease period, you pay more for the car than what a similar second-hand would cost. Online car loan providers partner with the leading financial and banking institutions of India and offer you small or large car loans depending on your requirements. You can compare loans online in India and choose one which has an interest rate and term length that suits best to your budget.

The car loan eligibility calculator makes your loaning process easier. Online websites and

How Tenancy is Proving The Strong Financial Resource

There were good old times when you had the loans available immediately from the lender on your existing home equity, but with the dwindling financial markets, this scenario has undergone drastic downward change. The sentiments of lenders have changed, and now there is storing force of lenders who are offering loans on lowest interest rates even to the non homeowners. Designated as the loans for non-homeowners, these types of loans come nice and handy to the tenant, and help the borrower to lead a cool life without worrying about money.

Furthermore, the non homeowners or people who are living with parents might have to face through financial problems, which will become far too burgeoning as the time begins to pass on. In such a scenario, it becomes too difficult to approach a crony or anyone close by for the simple purpose that you will start feeling guilty conscious. In fact, a level is reached where the situations might become tenacious and you might even end up your friendship.

Loans for the non homeowners are the specialised, easy and reliable lending route that is going to make the life convenient. As far as the repayment of non homeowners comes into light, each lender

Discover The Many Advantages And Disadvantages of Using Debt Settlement Companies

Living in fear of creditors is not living at all. You should not have to go through life with unresolved debt hanging like an albatross across your neck. There are ways to get out of your financial difficulties, so that you can reclaim your life and get on with creating a better and brighter future for yourself. The best debt settlement companies offer debt relief solutions that will help you get yourself out of your current situation.

There are many reasons why you may have gotten into debt. An extremely large unexpected medical bill, the sudden loss of your job, the need to pay for some other expenses that you could not get out of-all of these may have put you into serious financial trouble. It may be that no matter how much scrape and strive the money just is not there to pay the bills. A debt settlement company employs financial experts who help give you a different view of things, so that you can come up with a solution that will actually resolve the problem.

 

Anyone who has ever been in serious debt

5 Questions to Help You Decide Whether to Save or Pay Off Debt

If you’re in the enviable position of having some extra cash in your bank account that hasn’t already been claimed by bills, then you might be asking yourself: Should I use the money to pay off debt, or simply save it? It’s a perennial question with a difficult answer, because it depends largely on the status of the rest of your financial life, as well as your expectations for the future.

With that in mind, we created the following five-step guide to help you think through what move is best for you and your money.

1. Do you already have an emergency savings account? We all need an emergency savings account at our disposal, even if we still have high-interest credit card debt to pay off. That’s because emergencies can happen at any time. We could suddenly need a root canal, a plane ticket home or washing machine repairs. We can’t necessarily count on credit cards and other sources of loans to be there when we need them, especially if we don’t already have a decent credit line in our name, so we need our own stash of cash for these types of emergencies.

Funding

Your Credit Card Is Changing What You Need to Know

You’re in good company. The U.S. is adopting a significant change in how credit card payments are processed in stores, which will have consumers inserting cards equipped with a special chip rather than swiping at the checkout counter, but many people are still in the dark.

Nearly 3 in 5 of the 1,000 consumers surveyed by payments solutions company ACI Worldwide have not yet received a chipped card. Among those who already have their new card, only 32 percent said they understand the U.S. is moving to a new card processing system.

To get up to speed, here are seven things you need to know about the transition to chipped technology.

The U.S. is the last major country to transition its cards. The U.K. was the first to adopt the new payment system, known as the EMV standard. Developed by and named for Europay, MasterCard and Visa, EMV requires cards be outfitted with a chip that transmits a unique code for each transaction. The technology dramatically reduces the ability of thieves to use stolen credit card numbers in stores.

The U.K. adopted the

Ways to Get Your Credit Card Ready for Holiday Shopping

The U.S. Census Bureau recently reported that more than 30 percent of people aged 18 to 34 still live with their parents. This number works out to be a whopping 42.2 million people, most of whom are college-educated. What’s shocking about that number is that there are more people who are living with their parents now than there were during the recession. While many people choose to live with their parents, many others want to be on their own but don’t have the financial means necessary to do so. However, with one budgeting trick, those who want to be independent can be well on their way sooner than they think.

It might seem too good to be true, but one exceptional way to become accustomed to living on your own is to budget in rent, even if you’re living at your parents’ house for free. This trick not only gets you accustomed to paying for rent or a mortgage regularly, but it will also help you build a substantial enough savings account to allow you to feel comfortable moving out of your parents’ house.

Many parents do not charge their adult children rent, believing that they

Whats a Good First Credit Card to Build My Credit Score

Getting your first credit card is a critical first step into adulthood. With a line of credit comes a new level of maturity, and the decision about what card to start out with should not be made lightly.

But before you venture out for your own piece of plastic, consider taking a baby step: Ask your parents to make you an authorized user on their credit card. This will help you build a little credit history, so you won’t have to procure a card completely fresh. It will also enable your parents to teach you the basics of how to manage credit. Otherwise, you must be 18 years old to get a credit card on your own.

“I encourage parents to teach their kids how to manage credit before they go to college,” says Beverly Harzog, Credit.com’s credit expert. “It’s good if they know what they’re doing when they start responding to credit card offers. Just letting them know that they need to pay bills on time and that their credit score follows them for life are important lessons to teach.”

Bill Hardekopf of LowCards.com agrees that parents should play a role in educating their

Eliminate Your Debt Without Changing Your Lifestyle

When you are in debt, it can be very overwhelming. Often the pressures of debt can motivate you to make a plan to pay it off sooner than if you just made the minimum payments required by your lender. I know this from firsthand experience when my wife and I had $52,000 in debt when we got married in 2008. We were just starting off in life, and we had a negative net worth that was very discouraging.
There’s a happy ending to our story though. We were able to pay off all $52,000 of debt in only 18 months! It was a liberating feeling, and it’s something that motivated me to teach others to get out of debt in a short period of time.

Two Ways to Pay Off Your Debt Quickly

The first way is to increase your income. Traditionally, people will take on a second job, but that could cause a significant change in the way they are currently living. So the best way to earn some extra cash fast is to sell items around the house that you rarely use or just don’t need any more. You may be surprised to

Hidden Spots to Find Money in Your Budget

To say that we could all use a little more money is likely the understatement of the year. Whether you need to accommodate a new expense or are hoping to save up for a family vacation, setting aside money often requires some level of personal sacrifice.

But what if you could easily reduce expenditures on your monthly bills to free up room for a new need or want? Enter “budget hacking.”

While not an official term, “budget hacking” means finding money within your fixed expenses, and not simply through reduced latte runs and cancelled social outings. Users of this strategy review their recurring expenses and call on those companies to reduce their bills.

In her recent post on applying budget hacking to a health insurance payment, Lauren Bowling of the personal finance blog lbeeandthemoneytree.com writes that she needed to find extra cash in her budget to accommodate a new health care policy. Bowling recently left her full-time position to work for herself, and says that she was struggling to afford her health care premium payment. Her new health care expense totals $297 per month, including a dental policy she’s covering through COBRA from her previous

Top 5 Hustles to Bring in Extra Money

Sometimes you can use every frugal trick in the book and still come up a little short at the end of the month. The only answer left is to bring in more money.

You might not think you have any skills at all, but here are some options that could make you some extra dough, if you can just find a little time to devote to them.

Are You Crafty?

Think outside the box a little – are you an excellent sewer or knitter? So good you can even make your own patterns? You could advertise your skills as a seamstress on Craigslist and pick up some money hemming and repairing items when you get home from your day job at night. If you’re really good at it and can undercut the larger companies a little, taking on jobs like hemming wedding dresses can be really lucrative.

Maybe photography is more your thing? If you take decent photos there are lots of things you can try to do with them – sell them as stock photos, sell the prints through Etsy or even