• A financial plan presents a view of where your money goes and knowing where to put it. This will give you financial security for the future. A good financial planning can help you to understand whether financial decisions have any impact on your financial position as well as other financial decisions. If they are affecting any short term or long-term life goal then you can revise your decisions.

    A bad finance planning can leave us homeless while a good financial plan is required to provide us a comfortable life. Its all about things that impact your financial situation.

    Essentially, a financial plan is something that deals with your money and what your money represents. That means financial planning is planning your expenses on primary needs like food, transportation etc as well as secondary things like vacation planning, entertainment planning etc. Financial planning includes any plan that deals with wealth.

    Financial planning isn't just about getting as much money as possible, or generating as much wealth as you can. Its about creating a material plan for your life that fits what you want to do and who you want to be.

    Financial planning isn't a one-size-fits-all thing. It's about creating a lifestyle that's perfect for you. Hence it depends on your needs and varies from person to person.

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  • Useful Resources for Identity Theft Victims

    Having the right resources to prevent identity theft or else learn how to cope with identity theft and take the steps to recover from the loss is essential, since more victims occur daily.

    Credit Reports

    First and foremost, you will require your credit reports copies or else information that will help you to see what is on your credit reports. The Free Credit Report site is just one area online where you can view copies of your reports.

    The site www.indotogelx.com is secure as you will see when you look in the search engine, noticing the "s" behind the http: in the area. The "s" stands for secure site. Or else, you can visit the TransUnion site, Experian site or Equifax to request an annual free copy of your report.

    If you have received your free annual report then you will need to view the updated copies or else pay the small fees to obtain personally copies of your reports.

    If you are an identity theft victim, you need to mail a letter to the three bureaus requesting a copy of your reports and provide proof of your identity, including utility receipts of last area lived, picture ID, rental or mortgage receipts, and social security number.

    Review the Credit Reports

    Once you have copies in your hands review the credit reports cautiously to ensure that nothing is showing on your report that does not belong to you. If you notice, any unauthorized debts report them instantly to the bureaus, disputing the actions.

    If you are an identity theft victim, make sure to monitor your reports carefully all through the year and from that point on. Some recommend that you review your credit reports during the first year at least twice and yearly after that, however, twice is not sufficient. Take it from someone that knows from experience.

    Identity thieves will work longer hours than most police officers to get what they desire and when they desire it. So, reviewing your credit reports only twice per year is leaving room for the perpetrator to take full control.

    For Recent Identity Theft Victim

    If you recently fell into the hands of an identity theft, be sure to report the crime instantly and keep copies of the police report. The police will do little to find the perpetrator unless you meet their special criteria of victims, but for the most part, you will have ammunition.

    Next, report the crime to the Federal Trade Commission Consumers, where you information will reach government officials. Again, expect little effort to find the perpetrator, but at most, you will have extra ammunition.

    If you have to go to the FBI and higher if essential to make the law work for you and to enforce that the perpetrator is caught. Unfortunately, identity theft victims not often receive justice. You might want to go online and read any information available on identity theft to learn how to protect, recover and take the steps to ensue the case.

    It is significant that you protect your self from identity theft, even if you are a victim. It is significant that you keep your personal information out of everyone's hands, including friends, family if necessary and so forth. All it takes is one mistake and your life can fall into anyone's hands at any time.

    Many people store information on computers, but this is a bad idea. Computers are far too risky of loss to store valuable information on them, thus store you information on discs, tapes and keep hard copies in a safe place for sufficiency.

    All of us are encouraged to change our passwords and PIN numbers at random to avoid loss. We are also encouraged to close any accounts if a thief has your information, including closing credit card accounts, bank accounts, and other accounts in your name.

    Keep watch over all new accounts, including statements you receive. Make sure you keep all copies of your receipts, even if the receipts do not seem important. Store the receipts, statements and any notes you keep on your self in a safe place.

    Finally, if you are a victim of identity theft, report the crime to the Department of Motor Vehicles also, since criminals holding your driver license will do anything in your name.

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  • Is it Possible to Find Peace After Identity Theft?

    Anyone can rarely find peace after becoming a victim of identity theft. Identity theft victims often struggle with paperwork, reports, credit reports, courts, police and the list goes on. The person will labor hours throughout a week to restore his or her life, and rarely is any help available.

    Identity theft victims have gone to jail for crimes they did not commit, and have been summon to court for debts they had nothing to do with. The victim is often rejected when applying for jobs or credit lines, and often goes through life feeling like a target of persecution.

    Identity theft victims feel angry and the anger burns deeper when the law makes little effort to apprehend the criminal, and the anger grows when the creditors assume that the perpetrator is the victim and trying to avoid paying his or her debts.

    Fraud Alerts

    Credit bureaus place Fraud Alerts on consumers credit reports, which rises assumption in creditors rather than help the identity theft victim.

    • The fraud alerts read as follow: #HK ID Fraud Victim Alert
    • A message from the victim follows: Your identity is possibly being used by someone other side of your self to fraudulently make purchases and/or open accounts, and so on.

    Be advised that the identity thieve may open accounts, apply for jobs or credit cards, and even commit crimes in your name. We recommend placing an alert on your reports to prevent extending of future credit without notifying you first.

    As you can see this does help the identity theft victim, because it states, "may have been used." When identity thieve uses the victims identity to purchase goods or services, or open accounts in the victims name, thus any delinquencies or judgments are placed on the victims report and not removed.

    An Example

    "US BKPT CT" Deleted. Thus, this specific deletion on a credit file is a bankruptcy where the identity theft victim disputed. The victim had never gone to court in their life for bankruptcy and when an investigation was conducted, it was found the victim was telling the truth.

    Still, the bankruptcy was not removed from the reports; rather it stated Deleted and the information above, which could mean anything to creditors, who fail to, remember that a fraudulent alert is up above the deletion. Creditors often assume that the victim is claiming identity theft to get out of debts owed.

    Sources That Can Help an Identity Theft Victim

    One of the first sources you will need to contact if you become victim of identity theft is:

    • The Federal Trade Commission (FTC): The Federal Trade Commission can provide you visions of your rights if you are an identity thief victim.
    • Followed by Identity Theft Data Clearinghouse: The Identity Theft Data Clearinghouse will provide you facts and steps for reporting the crime.
    • Furthermore, you will need to contact the Office of the Comptroller of the Currency Compliance Management. The Office of the Comptroller of the Currency Compliance Management is the nation wide Banks and Federal Branches that service foreigners and Americans.
    • Federal Reserve Board: The Federal Reserve Board Division & Community Affairs will provide foreign and Americans information and link them to resources to help them fight to restore their identity.
    • Office of Thrift Supervision Consumer Programs
    • National Credit Union Administration
    • Federal Deposit Insurance Corporation Division of Compliance & Consumer Affairs
    • Department of Transportation Office of Financial Management: The Department of Transportation Office of Financial Management services the grounds, air, railroads, and so forth, thus the alert will let them know that someone has control of your information and could help you out.
    • Thus, one victim was not aware that she should have reported identity theft to this source and when the woman applied for an ID, it took an hour since traces indicated that someone attempted to change her name.
    • Department of Agriculture Office of Deputy Administration: Finally, the Department of Agriculture Office of Deputy Administrator (GIPSA) will set up an alert also, that may help you out when applying for a job.

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  • How To Report Identity Theft

    Identity theft has quickly become a serious issue, not only in America, but around the world as well. Every day a new victim finds them self fighting for their life back, while the law is moving slowly to reduce the problems.

    Credit bureaus are putting up Fraud Alerts and Freezes on victims' accounts, yet the Fraud Alerts are doing nothing more than causing the victim extra problems. Anyone that fall victim of identity theft should immediately report the crime.

    Identity theft victims should keep notes on all their activities, and store the notes in a safe environment. The victim should also keep all receipts of purchases and monitor their statements and credit reports frequently.

    Report to the Authorities

    At the first sign of identity theft, the case should be reported to the authorities and any police reports should be kept by you and the police. When you become a victim of a crime type up your own report and provide any details available to you keep a copy and provide the police a copy.

    Thus, the police cannot write down their own version of the crime, or leave out important details.

    Store in a Storage Medium

    In place of storing your notes, statements, reports, receipts, copies of credit reports and so forth on your computer, store the documents on storage mediums and keep a second set of copies in a storage file.

    During the length of time you notice any unauthorized activities take notes and place dates and times on the notes, and report them instantly, following the same steps www.pokerx88.com to reporting identity theft.

    Steps to reporting identity theft:

    1. Report the crime to the authorities right away.
    2. Report the crime to the FTC (Federal Trade Commission).
    3. Report the crime to TransUnion, Equifax, and Experian and alert the bureaus that your identity was stolen. Provide the bureaus copies of your police reports and dispute any unauthorized charges.
    4. Close all accounts immediately and alert the sources that your identity was stolen. Thus, close bank accounts, credit card accounts, and so forth.
    5. Report to the Social Security Administration and Secretary of State (Department of Motor Vehicle) that your identity was stolen.
    6. Hire a specialist for handwriting if you are taking to court.
    7. Report the crime to your utility and phone providers that your identity was stolen.
    8. Continue to monitor your personal information and report any new findings immediately.
    9. Change new PIN numbers and Passwords randomly.
    10. Never give out your information to anyone over the Internet or phone lines, or at drive-thru areas.
    11. Dispute any charges against you on your credit reports that are unauthorized.
    12. Learn more about identity theft, including updates and fighting identity theft.
    13. Petition your governor and state representatives to stop identity theft.

    As citizens, we have the right to protect and petition our governors and state representatives to challenge new laws. Thus, each person that petitions or protests the laws increases new laws that will stop identity theft.

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  • Is Re-Financing Cater To Our Needs?

    Some homeowner may do refinancing frequently while some other may never do. Some financial benefits may be catered by the refinancing but for some homeowners these benefits are not worth the hassle of going through a mortgage re-finance.

    For these homeowners the amount of savings overall or the opportunity to lower monthly payments is simply not worth the effort of investigating the re-financing options, comparison shopping for lenders and paying closing costs to obtain a re-finance.

    Are Some Homeowners Just Lazy?

    Yes, let's face it to find dust bunnies under the couch or unfolded laundry lying on the floor; we have all visited a friend's house. However, when a homeowner opts not to refinance despite the opportunity for an overall savings or lower monthly payments, laziness is usually not the culprit.

    The homeowner may simply decide in these cases, not to re-finance since in making the right decision, they are not confident.

    These homeowners basically decide they are happy with their current financial situation and are unwilling to make changes, which may or may not improve this condition.

    It is likely that these same homeowners would re-finance their home if all the work was done for them and they were guaranteed an improved financial situation.

    Do Some Homeowners Just Not Realize the Financial Benefits?

    This may also be true. Homeowners who do not fully comprehend the potential savings, which may be involved in re-financing, are not likely to undergo the re-financing process. For these homeowners, for the benefits that are received it may seem as though the efforts are not worthwhile.

    If the homeowner had a clearer understanding of the situation, they might have a different opinion but in this case, the homeowners may be not able to follow the implications of a re-finance.

    Consider the factors involved in re-financing. Most of the equations use to justify the benefits of re-financing are rather complex.

    For homeowners to enter the known information and obtain the desired results, online calculators are available that make it extremely simple. However, regarding how the calculations are performed, these calculators typically do not explain the reason.

    For some homeowners this can make it hard to accept the results produced by these calculators simply. When this is the case, the homeowner is not likely to be inclined to accept the results generated by these calculators automatically.

    Moreover, until the homeowners confirm these calculations, they may not consider re-financing. This could be either a short process or a long process based on the homeowner's mathematical skills.

    Can You Convince a Homeowner to Re-Finance?

    Since it depends on a number of factors, this is a hard question to answer. Some homeowners may be particularly trusting and may be convinced in any away to re-finance with little effort.

    On the contrary, some homeowners in terms of their financial situation may be quite guarded. These homeowners may be doubtful of claims that the re-financing can make better their financial situation.

    For a homeowner these suspicions can make it extremely difficult to be convinced to make a change. The homeowner may either seek out more information on the subject or become less receptive to additional information, the moment suspicions begin to develop.

    While one case may cause the homeowner being more likely to be convinced to re-finance, the other case will likely make him less willing to re-finance.

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