College Students: How to Protect Yourself from Identity Thieves

By Daniel Z. Kane

You might think that identity thieves focus entirely on the wealthy, but the reality is that 34% of the victims of identity theft are college students. College students can be easy prey because they don't know how to protect themselves against identity theft, because so many records and documents include personal information about them, and because of the phenomenal amount of junk mail offers...especially from credit card companies...they receive.

Todd Davis, the CEO of LifeLock, the nation's first identity theft prevention service for consumers, offered us these tips for parents and college-bound students to help protect them from becoming victims of identity thieves.

1. Before going off to campus, students should purchase a shredder and use it to destroy anything they may throw away that contains personal information about tem; report cards, financial aid forms, housing information, class schedules, etc. A good rule for students: if you aren't going to keep it in a secure file, shred it!

2. Residence hall rooms and student apartments often have lots of folks in them, including some relative strangers. That's why it makes sense to password protect computer files and secure documents which include your personal information. Remember, it takes only one untrustworthy person to steal your identity and cause you years of trouble.

3. Parents, have your son or daughter order a free credit report, and check it for problems. You can get one free report a year, and resolve any problems you identify.

4. Because so many social security numbers and personal files are lost to indentity thieves, students should take steps, in advance, to protect themselves if their confidential information is breached by identity thieves.

5. Opt out of all junk mail, as soon as possible. Identity thieves can steal credit card offers from your mailbox or garbage (if you fail to shred), fill in the applications with your name and their address, and charge thousands of dollars of goods and services to you. It happens every day.

6. Place fraud alerts...they're free...on your personal information. Just contact the 3 major credit bureaus and renew every three months to assure that credit agencies will contact you before opening a new account in your name or changing information...like an address... in a current account. Or, you can hire a credit protection agency, some of which offer monetary guarantees against identity theft, to request and maintain fraud alerts for you.

Taking a bit of time and exercising some caution to prevent identity theft is well worth the effort. Protect yourself by being cautious, aware, and alert.

About the Author:

Daniel Z. Kane is a university dean who advises students on online college degree programs and online degree programs.

How To Process Payday Loans In The UK

By Rashel Dan

Payday loans in the UK are common and are actually easy to apply for. The most common way to do it, in fact, is to simply log online, apply, and have your application approved through the internet.

Today, you can find many companies that offer such service online and offline. Although it may seem like an unconventional way of getting financial help, it is one that many people have found to be quite helpful.

The Need

It's a fact of life. There are sometime when you really need payday loans in the UK to pay off bills that came in too early, or utilities that you need to pay off because you forgot all about them. A payday loan is the solution for problems like these, and as long as you have a stable job with a steady income, chances are that you are eligible to get a payday loan.

What Is It?

What is a payday loan? It is basically a short-term loan that is given to you by a loaning institution such as the bank. You can then use this money to pay off whatever it is that you need to. But you have to pay back the loan in about two weeks and it's easy if you have a steady paycheck because that can automatically pay it off for you with the right arrangements.

Why Use One?

Aside from the fact that you just might need the money earlier than you expected, payday loans in the UK actually do have advantages over regular loans. The first is that the transaction is quick and the processing can be confidential.

Another good thing about a payday loan is that the amount that you need can be deposited into your account the second that it is approved. The approval is actually instant once a lending institution sees just how qualified you are. Online, the process is even quicker and more convenient because you don't need to line up to apply and you can take your time filling out all the forms and fulfilling all the requirements.

Payday loans are gaining more and more popularity as a viable option in times of financial crises. Everything from products to services carries some kind of bill that you need to pay at regular intervals. This is where payday loans can become very useful especially when you are a little short on cash when you need it most. Try a payday loan in the UK today and see what all the fuss is about.

About the Author:

Get a quick payday loan UK. Know more about processing your payday loans in the UK now.

Retirement Plan - Good Retirement Planning Services Can Help

By Michael Geoffrey

Retirement planning services are available to help persons make wise decisions for their retirement. Not everyone has a head for finances and for those of us who could use some expert direction these services are there to help. Of course, the final choices to be made are up to each individual. But financial services can use their knowledge and expertise to help you make the best decisions for your financial future and retirement.

These services are offered by different financial institutions, sometimes free of charge. They are willing to provide this service for customers who have money invested with their company. There are some companies that do charge a fee for these services.

One thing to remember about most retirement planning services is that they are there to help you however, they are not going to treat you like a baby. Most of them will tell you how it is, regardless of how ugly the outlook may be they will offer the advice needed to make sure you are taken care of during your retirement years. If you choose the use of retirement planning services and ignore their advice, the money you spent for their direction will be a waste.

When working with retirement planning services be prepared to answer some tough questions. That is not to say it is OK for them to treat you like a child and brow-beat you with their way of thinking. At any time you an uncomfortable with the way you are being treated, do not hesitate to take your business elsewhere.

Choosing Services Company With Caution

Since your finances are very personal it may be best to seek help from a company that you know something about. It may be good to ask family, work mates or other acquaintances if they have received help from a retirement planning services. If they were happy with the service they received contacting that same company may be a good place for you to start.

If you have a hard time making initial contact with a company that may be an indication that you will not be able to contact them with questions or concerns once you have employed their services. You want to use a service that you can easily get in touch with if you need anything.

You want to be very careful with your money and your investments so you want to take steps to be sure that the company you employ is credible. Ask for proof of their qualifications and don't just trust a certificate hanging on the wall.

About the Author:

At the Finance Product Evaluations website, we offer unbiased reviews of many resources in the debt, credit, investing and real estate markets, to name a few. Visit http://www.financeproductevaluations.com to take a look at our latest reviews, such as our latest pick Leo Quinn's How To Own Your Paycheck Again.

Bankruptcy Laws Make Opportunity for a Credit Repair Business

By William Blake

In times past people would find themselves in huge debt and with serious credit problems and they would quickly turn to bankruptcy as a solution. Well, times have changed. The new bankruptcy laws make it more difficult to file and therefore more people realize that their only solution is to repair their credit. That creates a great opportunity for credit repair businesses.

Must Speak With a Credit Counselor

Now in order to file for bankruptcy you must first speak with a credit counselor. If after getting credit counseling you are eligible for bankruptcy you can only file Chapter 13 which will still require you to pay back your debt. These laws clearly work to the advantage of credit repair businesses. People have seized this opportunity and are starting their own home based credit repair business to provide the help and counsel needed for debtors to repair their credit.

Though this is a great opportunity there are a lot of legalities to think about. You have to be certified and have a license to be offer professional credit repair services. Also you will need to market your business well in order to ensure its success. So there are a lot of things to think about before you take the big leap into business for yourself.

You can also find more information on credit repair business opportunities by checking at your library or even local bookstore where there are sure to be many books written on different credit repair business opportunities and which will also provide helpful information, tips and even techniques of doing business to help make your credit repair business a real success.

Also, online you can find what the requirements are for starting a credit repair business. You might also be able to turn to professionals, maybe a credit counseling agency or credit consultant, that can help you get whatever certification you need. There may be courses you need to take to be certified and the professionals will be able to tell you how to go about that.

Once you have obtained certification or training in credit repair you must then expand your credit repair business opportunity by defining the services you are going to provide as well as ensure that you market your services aggressively.

This is a really good time to look in to credit repair as a business venture. Many people are trying it out and having success.

About the Author:

Tire of barely keeping up with your credit card payment? Learn how to deal with excessive credit card debt on the Debtopedia website. Get a free copy of my report "Secrets Of Credit Card Debt" at http://www.debtopedia.com

When buying a Boston Condominiums

By K. Kim

Boston area has many diverse and historic neighborhoods because it it the oldest city in the continental US. It is the seventh largest city in the United States and it offers affordable living as well as luxurious living. The prices tend to be in wide range and you fan find these in numerous neighborhoods.

The Boston condominiums can range in the following. Fenway area prices range in $161,900 up to $475,000. In Beacon Hills, the prices range in $284,000 up to $5,750,000. In Back Bay area the price range in $299,000 up to $16,990,000 where you can find one of the most luxurious condos. In Charlestown area the price range in $129,000 up to $1,395,000.

In Waterfront area, the prices range in $329,000 up to $3,525,000. In North End area, the prices range in $220,000 up to $899,000. In Midtown area, the price range in $349,000 up to $6,900,000. In South End area, the price range in $185,000 up to $4,495,000.

As you can imagine there is a range of condominiums prices for Boston. Some of these condos offer many amenities and closeness to restaurants and many area attractions like New England Zoo, Boston Ballet, Boston Symphonies, there are plenty to do in Boston area. Also Boston is home to Harvard university and many top notch universities, which makes Boston condominiums perfect place to call home.

Due to many different options within neighborhoods and prices, it is recommended that you ask for professional help. You can always do you own due diligence with many information public on the web. One of the major advantage of owning Boston condominiums is you do not have to worry about repair and maintenance of the building, it is done by the association.

With many homes going into foreclosure or short sales, opportunities abound, you have to be patient and you can find value in current market, even the high end luxury condos. Time to purchase or invest in a condominium.

About the Author:

What are some price ranges of Boston condominiums, please review Boston Condominiums, and Boston Condominiums