How to Prevent Identity Theft

How to Prevent Identity Theft

While there are plenty of benefits to living in a technologically advanced world, there are also some things to be wary of, namely the increased risk of identity theft. Identity theft occurs when thieves attempt to use your personal information, often getting credit issued in your name so that they can use it for themselves. It’s important to take some steps to protect yourself:

Review your financial statements. If you look at your bank or credit card statements regularly, you’ll be able to spot any unauthorised charges and contact your financial institution right away.

Use a virtual credit card number. If you shop online, your bank or credit card company can provide you with a temporary credit card number that is only good for a short period of time. This will prevent identity thieves from stealing your actual card number.

Use secure online sites. Make sure that any sites asking you for personal information start with “https” rather than “http.” The “s” stands for “secure” and provides you more defense against potential thieves.

Check your credit report. Keeping a close eye on your credit report allows you to see if any credit cards or loans were opened in your name other than ones you’ve approved. Try to pull this at least twice a year.

If you do have the misfortune of having your identity stolen, the first step you should take is to contact your financial institution immediately. They should be able to freeze your account to prevent any further fraud from occurring in the meantime.

This article is by QuickQuid, the United Kingdom's premier online payday loan lender since 2007. QuickQuid aims to help consumers in an ethical and responsible way. Additionally, QuickQuid strives to provide the best in customer service with its quick loans to suit you. 

New Possibilities for Money Borrowing

 Money is an essential part of life. A never ending rotation of efforts to gain money is universal. So, many things from basic needs to amenities as well as luxuries are directly proportional to the money. And it is obvious since the whole world revolves around money. When we work, we get paid and obtain money and we use this money to buy daily requirement. But when there is a hinder in this cycle, then we have an option of borrowing until the adjustments are made.

There are several sources for borrowing money, but the one that has less risk is the “payday loan”. This small, secured loan obtained and repaid until the next pay check has become the most popular cash receiving medium.

Payday cash has the major advantage over the conventional loans process due to its quick, wait-free process. There is no need for submission of document, papers, or wait.

Payday loan’s main intention is to help customers get back on their feet during financial crisis and many payday loan centers offer friendly assistance to help them during needs.

A Payday loan center considers two major things

1)    A continuous checking account for online transactions and bank statement verification – this is done to qualify you as a person who can receive and repay loan on time.

2)    A job with a minimum payment – the purpose of this is to assure you will repay the loan and you will not be burdened

Any person who can legally receive a loan can opt for payday loan. And since it is a short-term loan, there would not be too much interest rate. Moreover, the jurisdiction has decided to monitor the interest rates or APR, and has laid restrictions to limit the percentage of interest on payday loans to ensure that the borrower might not pay more than the required interest fees.

In many countries like Australia, Canada, UK, and the US many people have used payday loans to improve their welfare status.

In a study conducted by the University Of Chicago Booth School Of Business Professor Adair Morse in the year 2009, it was found that payday loans that were easily available to consumers living in natural disaster areas fared better than those who were living where this loan facility was not available.

In life full of unpredictability, there would be circumstances when money might not be enough, or you might have an emergency expense, or need to cover unpaid bills. That is when payday loans come handy.

About the Author:
My name is Robert.  I am a tech writer from UK.  I am into Finance :).  Catch me @financeport

Top 8 Vital Tips for Health Insurance

Choosing private medical insurance can be daunting. There are so many plans and the expenses are extreme. Use the following vital tips to save money and find the right plan. Taking time to do a little research could really ease the budget and provide peace of mind.

1. A first stop can be the state insurance website. This is a centralized location that will have a list of insurance providers in the state, ball park figures for individual and family plans, and will give details about any low income options. Each state has some form of plan for low income brackets, even if they only cover children.

2. Using a health insurance broker is also a possibility. If a person doesn't have the time to do a search, the broker will be the middleman, taking a customer's priority list and finding the right fit. Often, the broker will actually give a client several options to consider when choosing an insurance provider.

3. Making a priority list is also the key in finding the right health insurance provider. A consumer needs to figure out exactly what is needed in a policy. If there is a favorite doctor, then a health insurance company is needed that works with that doctor. If a person has a chronic health condition, it is important to find a provider that will not penalize a client for numerous visits to the doctor's office. Some providers only cover a limited number of visits.

4. There are free trial periods offered by some health insurance companies. Customers can try a particular company for a set period of time. If they are not satisfied with the service provided, they can be reimbursed.

5. It is essential to get all of the information in writing before making any kind of decision. Look at all the details with a magnifying glass. Make sure the policy is fulfilling expectations and any special requirements.

6. Customers need to take care with filling out an application, ensuring that all information is correct. Otherwise, the policy could be terminated with no coverage.

7. Negotiation is the key. When unexpected fees appear, a customer needs to haggle. It's their money on the line.

8. Getting one's money's worth is important as well. Find something within the budget that gives adequate coverage. There is no need to accept mediocre when another company will be the right match. Understand deductibles, co-pays, and premiums before signing on for any policy.

Author Bio: Written by Eddie Adams a Content writer from London. His interests are Technology, Phones, and Eco living, insurance, Health & Fitness. Catch him at @thefreshhealth on Twitter :-)

Life insurance how do I find the best price.

It's going to come down to how much work you want to put into finding the lowest price. There is not a source or company that is always going to provide the lowest price for everyone. For example, some companies have more favorable rates for people who smoke and some may place more emphasis on a prior medical condition you had and charge higher rates. When you are comparing rate quotes you need to make sure you talk to a qualified agent. Many quote services will quote you the super preferred class of rates, but in the end you may only qualify for the standard class based on your personal or health history, a good agent will make you aware what you can expect through the underwriting process. Be sure to only compare prices between similar products. A whole life product or a simplified issue product may have a higher price than a fully underwritten term life insurance product, but they both offer additional features for that price in return (e.g. whole life insurance has cash value and simplified issue life insurance is more convenient and does not require a medical exam.) Find the type of life insurance product with the features that you want and then search for the best price at Solutions Financials instant quote calulator.

Are Canadian Under Insured?

According to the Canadian Life and Health Insurance Association, more then 20 million Canadians are protected by life insurance with an average amounts owned were $156,200 for insured individuals and $312,200 for insured households. That leaves approximately 30% of individuals without important insurance protection as well insured households only having an average amount of $312,200 of life insurance, this could represent many families being underinsured in Canada. Creating awareness around the need for life insurance is paramount there are many brokers and insurance agencies in Canada available to help with your insurance needs, call a insurance professional whether you are protecting your family your business there is help out there. Author: Peter C. Choma an insurance specialist with Solutions Financial Reference: Canadian Life and Health Insurance Association. 2008 Edition of Canadian Life and Health Insurance Facts http://www.clhia.ca/e3a.htm

how much higher are smoker life

Most insurance carriers believe that a smoker is someone who has used some form of nicotine product or marijuana within the last 12 months however some carriers will even look at longer time frames up to 5 years or longer. Included in the definition of nicotine products are cigars, cigarettes, pipes, nicotine gum, patches, chewing tobacco. If you smoke less then one cigar a month some carriers will consider you a non-smoker. Should you choose to quit smoking during your policy term then there are a number of options that can save you money. It is possible that you could change to the non smoker category and therefore receive lower premiums however if your health has changed since the start of the life insurance policy this option may not be available.