The Magic Natural Remedy

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Starting the Credit Repair Process

Are you hunting for a technique to mend your credit? You aren't alone. Many of us have been hard hit in the recent past, and now are on the lookout for paths to revive their damaged credit ratings. Thankfully , there are affiliations that can help you get back on course financially. It is vital to notice that bad credit can't be revived overnite. However , there are some tips that will help you reach your goal of having sound credit. Poor Credit Can Impede You in Several

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Customers Now Have The Advantage Over Credit Card Companies

Before the Credit CARD Act of 2009, the credit card business was like the Wild West. Pretty much anything goes when it comes to hidden fees, charges and taking your money. While many companies still have control over rate caps and fee settings, this act has given some help to the consumer when dealing with hidden fees. Here are just some of the most important provisions in this act that a consumer can use to their advantage. Interest rate increases: Customers are now given a 45 day notice

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How To Protect Yourself From Identity Theft - 4 Ways

Anyone who hasn't been living in a cave for the last few years knows that identity theft is the fastest growing type of crime. There are no guarantees but there are some simple things you can do to make sure you don't become a target. Learn how to protect yourself from identity theft.

Knowledge is power and no where is that more true than when it comes to keeping your identity safe. There are specific steps you can take to make yourself a 'harder' target for would be thieves.

I recently read an account of a man who lived in the Chicago area who found out that an illegal immigrant had been using his identity for several years. Since the thief paid his bills on time it never showed up on the mans credit report... he had no idea!

The first step, and the most obvious, is don't make it easy for the thieves, learn how to protect yourself from identity theft. Don't just give out your personal information. A friend of mine has been carrying her social security card in her wallet for years. I've warned her repeatedly that she is taking a big risk.

Don't carry any more identification than is absolutely necessary. You don't need to carry your social security card with you. Also, don't leave the house with all your credit cards. Only carry one, unless you need more to go shopping.

2. Never give out personal information to someone on the phone... unless you called them. There are cheap devices available today that can mask the caller ID of anyone. So even though your caller ID says it's your local bank (or utility company, or credit card company) calling that doesn't mean it really is them.

If you ever get a suspicious call err on the side of caution and politely get off the phone then call the company back... and don't call the number that you get from the person who just called you, make sure you look the number up yourself so you know who you're calling.

3. You would be surprised at how much a thief can do with the simplest of information. For that reason, make sure that you shred all papers before you throw them in the trash. Again, it's a good idea to err on the side of caution. Even if you think that the papers don't have any important info on them, why not just be careful? It only takes a minute to shred.

4. Never click on a link in an email to be taken to a website and then enter personal information on that site. Again, just like with the caller ID on a phone, thieves can make it appear that you are on a website, say for your bank, when in reality you are on their website and they are stealing your personal information. Make sure you type the address into your web browser.

It's actually quite easy to learn how to protect yourself from identity theft, the most important thing is to just take these simple precautions.

Your Questions About Work From Home Jobs

Helen asks…DO anyone know of any work from home jobs?Are there any stay at home moms that are doing work from jobs? I am looking for a job that will allow me to work from home. I am not really interested in cold-calling, or surveys, or party planning. I am just looking for a real job.ItIsAllHere answers:Www.megawealth.com
www.freepayingsurvey.com
www.getestore.com
www.monster.com

finance.group.yahoo.com
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Good Luck!Donald asks…Does anyone know any free work from home

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Debt Management Budgeting in Six Easy Steps

You know you're in a pool of debt if:

• You're juggling bills. For example, you apply for another credit card and use cash advances from it to pay an existing card.

• You have more credit cards than a successful gambler has poker chips.

• You are at or perilously near the limit on each of your credit cards.

• You consistently charge more each month than you make in payments.

• You are working overtime to keep up with your credit card payments.

• You don't know how much you owe and really don't want to find out.

• You have received phone calls or letters about delinquent bill payments.

• Your credit cards are no longer used for the sake of convenience, but because you don't have money.

• You are hiding the true cost of your purchases from your spouse.

The amount of debt left unpaid increases overtime due to interest rates. To keep yourself and family from sleepless nights due to debts, start a debt management budgeting strategy with special interest on decreasing debts.

1. CUT ALL CREDIT CARDS

It is best if you don't use credit cards, or even own one. If you think you're responsible enough to use it in emergency situation, then leave one for those times. Buying a Gucci dress for a hot date isn't an emergency situation. Paying for school tuition fee or electric bills is a right example of emergency situation.

Only fools keep more than one credit card. If you want to go down the pool of debt then own ten. Keeping ourselves away from temptation is the first step towards debt management budgeting.

2. KEEP TAB OF INCOME AND EXPENSES

Write down in your budget pad or software every debt you have, even the small ones. Number them according to importance. Between a house mortgage and a car mortgage, label the house mortgage as 1.

Then study your budget pad. Could you cut down expenses on utility bills or transportation? If yes, how much would it raise to add up to fund the mortgage? Study all possibilities of cutting down your expenses.

3. SAVE FOR THE RAINY DAYS

Effective debt management budgeting means not forgetting to save. Although you want to settle your debt, you don't want to be penniless when rainy days come, or do you? You don't have to allot every money that you have to pay off a debt. You only have to manage debt.

Save at least ten percent (10%) from your income, regularly.

4. SAVE TO PAY DEBTS

Since your program is debt management budgeting, you have to allot certain percentage from your income just to settle your debts. For evey income that comes in, automatically save five percent (5%) from it. That five percent shall be used specifically to pay debts. It shall not be used for any other purposes.

5. CUT CORNERS

Compare the income and the expenses. In debt management budgeting, if the expenses are larger than the income, you are going to have to look at cutting corners. The easiest place to cut corners are on expenses that requires our discretion such as grocery bill, or the entertainment expenses. Necessary and fixed expenses such as mortgage, or rent, car insurance, utility bills can be lessened a little, but for the most part will stay the same.

You don't have to deprive yourself of everything that you enjoy, but cutting back a little will help. Using coupons at the grocery store, and shopping for sale items will help cut your grocery bill. You can also limit your entertainment expenses by watching movies on video so the entire family can enjoy the movie in a price of one. The extra you save could be used to buy another video or or towards something that you really need, or want.

6. ASK FOR DEBT RESTRUCTURE OR AVAIL OF AMNESTY PROGRAM

Take advantage of the amnesty program that banks and credit card companies offer. Most especially for the credit card companies, they offer payment of principal amount less the padded interest. This will help make budgeting and managing your debt easier.

If you think you're drowning with the amount of your monthly amortization, say for your mortgage, ask for debt restructuring. Have it stretched to suit your budget.

Although you may pay for the mortgage in a longer period of time, the debt restructuring allows you to pay the amortization on time and save on interest for late payments or worse, repossession of your property.

Report Stolen Social Security Card - Dont Be Stupid

While the Social Security Administration doesn't track your lost or stolen Social Security card, it's still important for you to report stolen social security card to the credit bureaus and to the police department even if you're not sure it was stolen.

Once you have lost personal information, in many states, you can get special privileges to access your credit reports and protect yourself from identity theft. If your Social Security card is stolen a thief can have a field day with that information alone. That's why it's so important to report stolen social security card and monitor your credit reports carefully.

For an identity thief, a social security card is like a Christmas present. Out of all the things that they can use to steal your identity, a social security card is the mother lode.

For this reason it's very important to file a police report and keep a close eye on your credit report if you've lost your wallet or purse. Even if you think you just misplaced it and that it wasn't stolen, that's not to say that someone couldn't find it and still use it to steal your identity.

This is the reason that it is so important to keep your social security card in a safe place. For the most part, you simply don't need to, and shouldn't, carry your card with you on a day to day basis.

Since the card can be used to such a disadvantage to you if it's stolen, and such a big advantage to a thief, and since there really is no reason you even need to have the card on you at all times, why even take the chance? Just leave your social security card at home where it will be safe (preferably in a safe that is bolted to the floor).

If you try to sign up for some sort of membership card and they try to use your social security number as your ID number,tell them no. No company should be so stupid as to use a social security number in plain view.

With so much awareness of identity theft I would be amazed if any company even still did that, if they do, tell them no way. If they refuse to change the number or give you lame reasons why they can't then cancel your account with them and take your business elsewhere.

It is easy enough for thieves to steal anyone's information, don't be naive or gullible and believe that everyone is on the up and up when they ask for your information. Not everyone is. If they are not and you give your information out, count on having to report stolen social security number.

The point to all this is simple: it's always easier to take few minutes and protect yourself than it is to put the pieces back together after someone has stolen your identity. If you don't carry your social security card with you it can't be lost and you won't ever have to worry about how to report stolen social security card.

Identity Theft Information Keeps You Safe

Identity theft information is easily found online. The trouble isn't finding the information, it's sorting through it to know what is good advice and what isn't. This article will provide you with some basics on how to protect your identity and your financial future.

Identity theft is the fastest growing crime today. Millions of people are affected every year and billions of dollars are lost to fraudulent activity. It's more important than ever for all of us to be diligent. If your identity is stolen it doesn't just affect you, it affects all of us since the companies pass on those lost dollars to all of us in the form of higher fees.

Take this identity theft information and use it to protect yourself as well as help keep costs down for all of us:

1. Don't give out your personal information. It's easy to get caught off guard when some quick talking person calls you on the phone and says there is a problem with your account, could you please verify your information?

But stop and think, if the bank, credit card company or utility company is calling you, than why would they need your information? They are calling you, don't they already have your information? Yes, they do. It's most likely a scam, hang up and call the company yourself.

2. Shred your documents. It only takes a minute and you may be surprised to learn how much damage can be done with some simple information. Better to be safe than sorry.

3. Don't carry your social security card with you. Also don't put your drivers license number on your checks. With your birth date and your drivers license number a thief can do a lot of damage. Don't make it easy for them, keep your information to yourself.

4. You get to check each of the three credit bureaus every year, for free. Do it. Take full advantage and if you see something that looks wrong, contact the credit bureau right away.

5. It's a hassle, I know, but look over your credit card and bank statements thoroughly every month. Finding a mistake can be a sign that someone is using your identity.

6. Keep your computer protected. Keep all your anti virus and anti spyware up to date and run scans frequently. Keep firewalls active all the time.

7. Don't ever make the mistake of thinking that you can click on a link in an email and that you will be at the site of your bank, or credit card company and start filling in personal information. There are ways of masking the website address and making it appear you are on a different site.

So you may be thinking that you are on the site for your bank when in actuality you are on the site of scammers and they are gathering all your personal information. Don't click links, instead type the address in yourself.

Use this identity theft information as a starting point. You can always ask your bank and credit card company for more help, after all, if you can protect your identity you can help them from losing a lot of money.

A Primer On Selling Coins

If you\'ve been contemplating selling coins now is a good time to do so considering the strength of the precious metals market. Overall, the coin market is also performing well, whether or not your coins are composed of precious metals. Regardless of the reason for considering the sale of coins, you would be well advised to follow some simple rules of thumb so that you can receive more cash when you sell your coins.

The first factor to consider is whether or not your coins are composed of

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An Introduction To Good Causes Credit Cards

Even in today's difficult economic times, a lot of people still want to donate to charity and to feel that they're doing their bit for society. The sad thing is, when money is limited it is often the donations to charity that are the first bits of expense to be curtailed. So what would you think if you knew that you could carry on contributing to your preferred charity without any subsequent fee to yourself, simply by utilizing a credit card to purchase the things you'd be buying in any

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Your Questions About Solar Panels Colorado

Joseph asks…New advancement in solar panels...half the cost of silicone.?Has anyone heard of or researched the new solar panel design of using cadmium telluride instead of silicone in solar panels. Supposedly half the cost. A company called AVA Solar, through research at Colorado State is developing them.
http://welcome.colostate.edu/features/ava-solar.aspx
Sounds very exciting and enormous potential.WaysToSaveEnergy answers:That's all very well, but how do you invest into it?Ruth asks…What

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Your Questions About Solar Panels Colorado

Joseph asks…New advancement in solar panels...half the cost of silicone.?Has anyone heard of or researched the new solar panel design of using cadmium telluride instead of silicone in solar panels. Supposedly half the cost. A company called AVA Solar, through research at Colorado State is developing them.
http://welcome.colostate.edu/features/ava-solar.aspx
Sounds very exciting and enormous potential.WaysToSaveEnergy answers:That's all very well, but how do you invest into it?Ruth asks…What

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Finding The Best Financial Advice That Works For You

Everywhere you go you will get different financial advice and advice that suits some will not necessarily suit others. You need to find what works best for you and go from there. With the recent recession it has taught us one thing and that is that you do need a financial plan, even a basic plan that helps you to save more and spend less, particularly on credit.

But how do you know what financial advice really is good advice?

Although there is a lot of different financial advice available the end decision is yours to make. You know best what type of lifestyle you live, what type of lifestyle you would like to live and what your goals are for the future. Any advice that you receive is simply advice and an option for you to consider, but you are the one that needs to make the ultimate choice for the benefit of your financial future.

When you do find a financial advisor that you can trust and that gives you good advice that will suit your lifestyle, then you can develop a good relationship and they can help you with your finance decision. Here are some things to look for when choosing a financial advisor.

1. When visiting a financial advisor you need to know if they are tied to the company that they are working for. A ‘tied’ financial agent works for a company and are tied down to specifically sell and promote the products and services of that company. So even though there might be better financial options elsewhere, they will not show you those options because they are selling you their product and only their product. A tide financial advisor is bound to the company they are employed by and they can help you to some degree by showing you which of their products would be more suited to you, however their advice is biased toward their own products. They will not tell you if there is advice elsewhere that would benefit you more.

2. Many financial advisors will make a great deal of their income by way of commission on what they sell. Because they work on a commission basis they are concerned mainly about making a sale so they can earn money, if they don’t make a sale then they don’t make money. Some advisors will try to sell you extra products or services that you don’t really need just to make extra commission.

When choosing a financial advisor make sure that you know what commissions they earn or what the total fees will come to. Don’t fall into the trap of buying everything that they offer because it might not always be in your best interest.

3. Will your financial advisor accept fiduciary responsibility? This is a very important factor to determine whether the financial advisor is working in your best interest or not. An advisor that accepts fiduciary responsibility is obligated under the law to act in the client’s best interest. If an advisor does not accept fiduciary responsibility then they are not obligated to act in your best interest but only in a way that doesn’t hurt you.

4. Does the financial advisor or planner help you with different aspects of your financial plan? Some advisors are qualified in specific areas and only offer advice in that area in which case you would need to seek another advisor for help in other areas. A good advisor should be able to help you in all aspects of financial planning, including insurance, investment and debt management.

These four tips should hopefully help you in your quest to find a good financial advisor that can help you keep your finances on track and have a healthy financial future. Finances can be confusing and overwhelming at times and although it does cost to see a financial advisor they will usually be able to save you a lot of money in the long term.