IDENTITY THEFT
Identity TheftWHAT IDENTITY THEFT IS Identity theft happens when somebody gets yourpersonal information like name, address, Social Security Number, date of birth and other personal information and uses it without your approval to make fraud or any other crime.
-----------------------
WHAT HAPPENS TO THE VICTIMS OF IDENTITY THEFT
THE THIEVES can make the following illegal actions making their victims to be in serious problems..
They buy things with your credit and or debitcards, they can do in person or by the internet.
They can Counterfeit checks in your name.
They can get a credit card, using your name, AND they do not pay to the bank.
Open a checking account in your name
Ask for a loan, in your name.
And make a lot of frauds and crimes in your name.
---------------------------
WAYS BY WHICH SOMEONE CUOLD STEAL YOUR IDENTITY
GATHERING PHISICAL DOCUMENTS
STEALING YOUR POSTAL CORRESPONDENCEcontaining bank statements, tax information, phonecompaniy letters..
STEALING YOUR WALLET
They steal wallets containing identification, bank cards,your phone number.and phone numbers of your friends and relatives. They steal mail, including bank and credit card statements, pre-approved credit offers, new checks, or tax informa
STEALING YOUR PERSONAL DATA FROM AN INSTITUTION.LIKE A BANK, STORE, MEDICAL ORGANIZATION, GOVERMENT OFFICES,SPORT CLUB,SCHOOL ETC. ETC. DOING IT PERSONALY WITH OR WITHOUT THEHELP OF SOMEONE THAT WORKS IN THE ORGANIZATION.
BY THE INTERNETGETTING YOUR PERSONAL DATA BY HACKING INTO THEORGANIZAATION COMPUTERS.
Continue the Article in
http://www.plusplace.net/identity-theft/
BROADBAND PHONE
BROADBAND PHONEis the service of internet telephony on a bradband internet conectionand it is known as VoIP (voice over internetprotocole).
For more than a hundred years telephony did not change, although at the end of the 20th century some digital services like caller ID, call forwarding,three on the line and other serviceswere included, basic telephone technology was stillthe same. there are countries where there is adominant telephone company and users must payvery very high fees to have a phone number and suffer all the abuses of their telephony provider.
Now with VoIP it is possible to carry voice over the internet, and what is better, at a very low cost.
Yes now we can comunicate using an IP basedphone and call any one to any place in the world at an amazying low cost.this service VoIP is now available practically to everyone every where in the world who has access to a computer.
Continue the article in
http://www.plusplace.net/broadband-phone/
HOME EQUITY LINE OF CREDIT
Home Equity Line Of CreditThe usage of the equity of your home can be a goodsource of credit for you. There are many banks andlenders willing to open a credit line to you.
This line of credit can be used for:
Home improvements.Educational expenses.Medical expenses.Wedding.A travel.small business.Buying a new car.etc.
The lender opens you open a home equity credit account,which is securedagainst your home.
Since this loans are secured against your home, they may havea lower interest rate, than non secured credits.Some loans come with a fixed interest rateand most of them with a variable interest rate.Some loans have introductory low payments and higher monthly payments at the end of the loan, some others have also an annual fee.
The amount of money you can borrow may be of about 80 %of the market value of your home less the balance ofyour mortgage (in case you have one ).
Continue the article in
http://www.plusplace.net/home-equity-loan/
Home Equity Loan
Home Equity LoanIf you are a homeowner, then your home is an assetthat has an appraised market value and you canget a loan secured by your home.The maximum amount you may borrow is the appraised value of your home less balanceowed on mortgage (in case you have a mortgage )
Some lenders set the credit by taking a percentagelet us say 80 % of the home's appraised value lessbalance owed on existing mortgage.
A home equity loan may be used for Debt consolidation, home repairs, medical bills, a child's college tuition etc.Unlike auto loans or credit cards, the interest on a Home Equity Loan is usually tax-deductible.
Continue the article in
http://www.plusplace.net/home-equity-loan/
LEMON LAW
LEMON LAWLemon Law is the law made for the buyers of a new vehicleand which vehicle is not working properly or has defectsand the manufacturer (or dealer) can not or does not wantto repair it after a reasonable number of attempts.
So the manufacturer or dealer can not keep saying once and othertime and many times that he is trying to repair it, since after areasonable number of repair attempts the vehicle musT be replacedor the money reimbursed (total or partial reimbursment depending of the usage of the vehicle ) Continue in
http://www.plusplace.net/lemon-law/
DEBT CONSOLIDATION
DEBT CONSOLIDATION
"Do you have debts that you can not manage ?
"Are you Suffering from creditor pressure ?
"Do you become afraid each time your phone rings because you think the one that calls is one of your creditors?
Then you need to consolidate your debts
There are companies that offer a range of services and financial solutions to help people with debt problems.You need to be assisted by specialists to help you manage your debt.
Continue in
http://www.plusplace.net/debt-consolidation/
Auto Insurance
AUTO INSURANCE
When shopping for insurance it is very important toquote prices. Buying car insurance means making important choicesabout your coverage amounts.
Choosing amounts that are too highmeans that you'llpay extra for coverage that you may not need. But,if you chooseamounts that are too low, chances are that you maybe uncovered in case of an accident.Some Coverage Choices: Bodily Injury Liability Property Damage Liability Uninsured & Underinsured Motorist Bodily Injury Liability Medical Payments Comprehensive Deductible Collision Deductible Towing
http://www.plusplace.net/auto-insurance/
Online Banking
ONLINE BANKINGNow Days as internet expands, more and more banksare offering online banking. Some of these banks areboth, traditional (brick and mortar banks) and onlinebanks, while others are just internet banks.Banking online allows you to make multipleoperations from your home or office, any day at any time. Online banking allows you to bypass thetime-consuming, paper-based aspects of traditionalbankingYou can pay on line your bills, transfer moneyamong your accounts or transfer money to other person'saccount to any place even to other country.
To have all the control of your finances you justneed a username and a password and you can manageyour checking, savings, credit card, mortgage,loans, and investment accounts online from anywhere youare as long as you have a pc and internet conection.
Continue in
http://www.plusplace.net/internet-banking/
Domain Registration
DOMAIN NAME REGISTRATIONA Domain Name is unique name that identifies anInternet website, The five top-level domains more used in the US and in the world are:
.com (commercial)
.edu (educational)
.net (network operations)
.gov (US government)
and .org (organization).
Other, two letter domains represent countries; .uk for theUnited Kingdom, .mx for Mexico and so on. A "com" extension means you have a business (orpersonal ) web site. So a domain name is the address people type in theirbrowser to get to your Web site.Once a domain name is registered to a person orcompany, it is that person's to use exclusively aslong as they continue to pay the renewal fee . Follow this in
http://www.plusplace.net/domain-registration/
Credit Repair
CREDIT REPAIRThe USA main consumer reporting companies AREEquifax, Experian, and TransUnion and they are called CreditBureaus.
These companies can give you a free copy of yourcredit report, , once every 12 months.
Even if you have a good credit history, financialadvisors and advocates recomend you review yourcredit report periodically.
The information contained in your credit reportaffects whether you can get a loan or insurance orgetting credit for a house or car, or apply for a job.
Follow this in
http://www.plusplace.net/credit-repair/
Home Insurance... It´s good ?
Home Insurance Some considerations in the purchasing of a Home Insurance1. Increase Your DeductibleIncrease your deductible. If you increase yourdeductible, you canreduce your home Insurance payment, also calledpremium, from 10percent to even more than 30 percent. Iusually,deductibles start aslow as $50, and goes to $2,000 or more. Consider adeductible to themost you're willing and able to pay for damages.The higher your deductible is the lower is your HomeInsurance premium.
Follow article in
http://www.plusplace.net/home-insurance/
Advantages of Life Insurance
Life InsuranceIn its origins life insurance was in the provisionof funeral expenses by the prepayment of regular amounts, lifeinsurance hasgrown into a sophisticated and multi-facetedindustry concerned withthe payment of a certain sum on the death of theindividual, and bisides the provision of savings sincefrequently is coupled with a savings factor.
There are two basic types of life insuranceavailable on the markettoday,
Term Life Insurance and Permanent Insurance
Follow in
http://www.plusplace.net/life-insurance/
Thinking in buying a Travel Insurance...
Travel InsuranceTIPS FOR PURCHASING TRAVEL INSURANCE
Travel insurance can protect you from losses such
as canceled trips, lost baggage, medical emergencies, supplier
defaults, and other unforeseen circumstances.
TYPES OF TRAVEL INSURANCE COVERAGE
There are several general types of consumer travel
insurance available. The coverage and limitations of each will
vary depending on the insurance company issuing the policy.
The following is a brief description of some of the general types of travel
insurance.
The Complete Article in :
http://www.plusplace.net/travel-insurance/
How to Save Money ?
Well in this article I´ll talk about how save money.
It´s easy.. and you can save more money that you imagine.
A friend save the past year more than $20000 usd!
SavingUnless you make an effort to save and invest, chances are,
you willnever save.
Making this effort is called "Paying Yourself First."
The complete article:
http://www.plusplace.net/save-money/
The Oficial Blog Of Plusplace.net
Hi!This is the firts post. I´m PlusMan, in this blog I´ll put articles about financial and money.
I hope that this information and tips be usefull to you.
And you have a great activite, please post all your coments in this blog.
Best Regards
PlusManhttp://www.plusplace.net
