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 Identity theft is a terrible crime that, unfortunately, has happened to many people all over the world. Criminals steal personal information from unsuspecting victims and use it to do such things as open credit accounts or completely assume their identity. Millions of people have been the victim of this crime, and the following are just a few examples.
Michelle Brown
On January 12, 1999, California resident Michelle Brown discovered that she was the victim of identity theft. She found out that over the course of a year and a half, her name and vital information was used to purchase over $50,000 in goods and services and even engage in illegal activity. Because of the illegal activity, Ms. Brown had to work to clear her criminal record in addition to her credit history. Ms. Brown had to spend an estimated 500 hours making phone calls and filling out paperwork to clear her name. She had to endure the feeling of being personally violated as well as the uncertainty that this matter may never be completely rectified.
The person responsible for all of this, Heddi Ille, stole Ms. Brown's (Read More....) [...]
 During a Federal Reserve meeting last December, several officials voiced skepticism about the current policy of quantitative easing. According to Bloomberg News, the central bank would continue buying $85 billion worth of Treasury bonds and mortgage-backed securities each month to encourage hiring and stimulate growth. Several officials expressed concern about the risks of creating artificial bubbles, as well as inevitable inflation.
Investors need to take full advantage of these conditions and the following are some ways to do so.
Sell Your Home
The housing bubble in the 2000s was created in much of the same way as this current artificial inflater. Though other factors play a small role, home values in 20 cities increased by 4.3 percent from October 2011 - October 2012, according to Bloomberg Personal (Read More....) [...]
 Authored By Dave Webb
This article concerns the importance of the appearance of things to all media out there.
The main line news media has a little problem. Too often these people have refused to report the news in modern times. Instead the main line news acts like an instrument of the government instead. This seriously effects their creditability with anyone that is into the alternate news media on the Internet. Often times this alternate media reports things that the main stream media will not.
The biggest story of the year should be the obvious broken promises of both the Democratic and Republican parties. Here is a list.
- Recorded speeches by Obama in the past are in direct conflict with his actions as President. Why isn't he being held accountable by both parties?
- What Obamacare is vs what it was claimed to be.
- Republicans declaring “no new taxes” then voting for new taxes.
- Republicans deploring Obamacare yet voting for financing for it. Why aren't they throwing the law off the books until it is represented right?
- A Supreme (Read More....)
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 Just as it appeared, our nation's budget would fly off the fiscal cliff, congress approved a bill that extended many of the Bush-era tax cuts and delayed wholesale federal spending cuts. The deal led to a market surge in the U.S. and abroad, expressing a collective sigh of relief that seemed to follow from the masses.
More skeptical than relieved, small business owners are taking a wait-and-see approach to this agreement. Already worried about waning consumer demand, small businesses won't have to deal with the potentially significant consequences associated with a government shut-down. Still, the bill presents some tax challenges for small businesses, and combined with the 2013 Affordable Care Act requirements, small businesses remain uneasy.
Taxes Raised, But it Could Be Worse
As part of the bill, households making more than $450,000 will see a tax rate increase. Obama initially proposed that houses bringing in at least $250,000 pay a higher tax rate, and small businesses consider the higher threshold a win.
"We are happy that tax cuts were preserved for 97% of small businesses," Small Business (Read More....) [...]
 Over the course of the last several years, identity theft has been on the rise, and in terms of fraud, it can be ranked one of the most costly criminal offenses, amounting to close to $27B in damages a year. There are things that you can do, however, to protect yourself against identity theft, things that will, in the long run, save you a lot of time and a lot of money.
It used to be that if you wanted your credit score, you could get it for free, but only once a year, giving thieves ample time to rack up your credit card bills without you noticing. Now, there’s a different way. Using a credit monitoring service is one of the best ways to protect yourself. A credit monitoring service checks your credit report daily and reports any changes to you by e-mail, giving you the upper hand when your charges are getting out of control. The faster you can put a (Read More....) [...]
 Most people have found themselves in a desperate financial situation at least once in their lives. If and when this happens to you, your only option may be to borrow money. While it’s usually best to borrow from family or close friends, rather than from financial institutions, sometimes that is simply not an option. If you must turn to a personal loan company for the funds you need, there are some things to keep in mind and to think about before you rush into any decision. Don’t let your urgent need for money push you into making a big mistake. Take as much time as you possibly can, and keep in mind that the more careful and thorough you are now, the more satisfied with your loan transaction you are likely to be in the end.
Choose a Legitimate Company
Obviously, the most important thing of all is which lender you choose to secure your personal loan from. Thanks to the internet, there are literally thousands of different lending companies available today. However, it’s in your best interest to choose a local lending company, one that you can actually visit and see in person. This is not to say that all online lenders are bad, however, (Read More....) [...]
 Whether we're in an economic recession or upswing, a majority of Americans are guilty of overspending. Most of us live paycheck to paycheck, scrounging for extra cash where we can. Fortunately, with a calculated approach and judicious decision-making, your paycheck possesses an astounding range of plasticity. Here are the best methods to elongate your paycheck and rediscover the money you never knew you had.
Transportation
Americans are penny pinchers at the pump, but why fuel up at all when there's alternate methods of transportation? Public transportation is especially viable in large urban metropolises. It's easier, cheaper and you don't have to wade through sluggish traffic—what's not to like?
Depending on location, public transportation or riding your bicycle isn't always an option. If you're in need of a used car and the recession has lead to a dwindled credit rating—motorists have many options to consider. Most (Read More....) [...]
 Authored By Dave Webb
The Obama Administration has given Social Security Pensioners a 1.7% raise for 2013. This amounts to somewhere between $20 and $26 a month. That we are suddenly getting small raises after two years of no raises means someone has finally woke up to the fact that prices are going higher. Or have they?
I don't understand a number of things. Mainly things like doing things monthly rather than doing things weekly. It cheats everyone. Doesn't matter who you are.
This has gone on for the entire time that the government has been in charge of payrolls everywhere. It dates back at least to 1940 or even before that. The military is cheated this way as well.
The problem is that the months are not consistent. Weeks would be. Many months have 31 days in them. One month has 28 or 29 days depending on the year. Many have 30 days in them.
If it is a 31 day month we are eating 3 days. (31 minus 28)
Doesn't sound like much does it. Yet every 3 months you have an entire extra week. So over 3 months we (Read More....) [...]
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