IDENTITY THIEF – WAYS TO SAFE GUARD YOUR CREDIT AND PRIVATE INFORMATION — CREDIT CARDS

What does it mean to identify?

Can you identify this tree from its leaves?

When should you identify stakeholders and their interests?

Identity Thief – ways to safe guard your credit and private information

Identity theft happens when someone obtains sensitive personal information, such as credit card data or personal identification number to commit fraud or other crimes.

With so many services and product moving online, you may not remember every store you’ve shopped at or the websites you’ve signed up in, but thieves and hackers can strike anywhere and at any time.

While no measures can guarantee protection against identity theft, there are ways you can take to safeguard your information and have a strong line of defense. Here are some tips stated by experts to prevent identity theft:

Keep track of your paper trail

If you prefer checking your ATM, credit card or gas station receipts on paper, then make sure you destroy it after you’re done the checking. Shred credit cards statements, salary information or documents that contain private financial information often.

Safeguard your Social Security number

Avoid carrying your social security card with your all the time, keep it in a secure place. This is very secure information that identity thieves target first as it will give them access to your credit report and bank accounts.

Watch your mail

Stolen mail is one of the easiest paths to a steal an identity. Use a locked mailbox or ask a trusted source to fetch your mail held if you’re out of town. USPS also has an informed delivery service which can give you a preview of your mail so you can tell if anything is missing.

Track your bank and credit card statements

Check your account statements periodically to check if all purchases and credits are valid. If you recognize irregularities in purchases that you didn’t make, contact your bank and cancel your cards immediately.

Also make sure you recognize the merchants, locations, and purchases listed.

Be cautious when asked for personal information

Even if you’ve signed up for phone banking, ensure that you read through your bank’s verification procedure and do not divulge any unnecessary information.

If salespeople or sign up sheets require information such as Social Security, driver’s license number, or any personal identification, only reveal it if it is absolutely necessary.

Lock down your hardware

Since we use devices so often throughout the day, set up password protection for your phone, laptop, tablet, and other devices, Even if you trust the people at home or at work, there are threats of break-ins putting your data at risk.

Downloading anti-malware apps and software is also good-to-have as they can prevent criminals from stealing your data.

Social Media Safeguards

Secure your social media profiles (Facebook, Google, Dropbox, Apple ID, Microsoft, Twitter) with two-factor authentication.

That means that whenever you log in, you’ll need a code that the site sends to your mobile phone along with your password to enter. Although it may seem time-consuming, it is better to be safe than sorry.

While social media is a great tool to share things about your life, the more you share, the easier it will be for someone to get their hands on your information.

keep your social media profile as barren as possible and try not to divulge your birth date, email address, and phone number.

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A TIME SHARE IS A NAME GIVEN TO A PIECE OF PROPERTY SHARED AMONG NUMBERS OF OWNERS. TIME TO OWN YOUR SHARE — HILTON HEAD — PANAMA CITY BEACH FLORIDA — ORLANDO FLORIDA

A time share is a name given to a piece of property shared among number of owners. This involves use and cost of maintaining the property.

Although the majority of the timeshare properties are condominiums resorts but it will not be a surprise if you find a hotel timeshare or a motor home timeshare or a cruise timeshare or a campground.

The choices are increasing by the day. The idea of a timeshare property originated in Europe in 1960s when the property rates were skyrocketing and it was impossible for people to afford a full time vacation house.

But by sharing the ownership the burden of maintenance and other costs on single person were greatly reduced.

These also boosted the fortune of real estate developers as they were able to successfully market and sell the properties to a greater number of people. But a key point to remember in timeshare property.

A technical definition of timeshare property is that an owner has specific time to share you own in a property.

BEAUTIFUL TIMESHARES FOR SALE: EMAIL: caldw57ess@yahoo.com SELLING AT A HUGE DISCOUNTS
WHETHER YOU WANT DISNEY-THEME PARKS, BEACH FRONT WITH SAND BETWEEN YOUR TOES–SUN TANNING,
OR HILTON HEAD WITH AWSOME GOLF COURSES. THESE TIME SHARES ARE PRICED TO SELL IMMEDIATELY.

But as more and more properties are being converted into timeshare, flexible timeshare options cannot be ruled out. The flexible timeshare offers owners the option of choosing more than one timeshare destination and also more than one specific time of a year.

Timeshare properties are usually found in warm destinations like Florida where people like to vacation a lot. They can also be found in cold weather areas near ski resorts.

The timeshare properties are typically furnished in full and usually have one to three bedrooms, multiple bathrooms, a kitchen and a living room.

It may not come as a surprise if you find timeshare properties with indoor or outdoor pools. They have become a common feature of most timeshare properties nowadays.

The typical duration of a timeshare ownership unit is one week. Depending on what time of the year you own the timeshare the price may vary. Continue reading “A TIME SHARE IS A NAME GIVEN TO A PIECE OF PROPERTY SHARED AMONG NUMBERS OF OWNERS. TIME TO OWN YOUR SHARE — HILTON HEAD — PANAMA CITY BEACH FLORIDA — ORLANDO FLORIDA”

WINTER IS JUST AROUND THE CORNER — TIME TO GET READY

QUALIFYING FINANCIALLY FOR VA IMPROVED PENSION WITH AID AND ATTENDANCE

Qualifying financially for VA Improved Pension with Aid and Attendance requires that asset and income tests be met. Unfortunately, the VA does not provide “red line” asset and income limits and instead uses formulas.

Income:

To qualify for the maximum award, GROSS household income from all sources (including that of the spouse if married) must be totally consumed by Unreimbursed Medical Expenses (“UME”) which may include payments made to a family caregiver (other than the spouse).

Payments to a caregiver must be evidenced (copies of cashed checks) and an affidavit signed by both the caregiver and the care recipient indicating the type of care being provided, the frequency of the care, and the amount of compensation must be submitted.

As a previous poster suggested, payments for care to a family member may cause an issue with Medicaid eligibility and a properly drafted agreement between the family caregiver and the person providing care is recommended.

Assets:

There is no stipulated asset limit although many will incorrectly state that there is a limit of $50,000 for an individual and $80,000 for a couple. These numbers only apply to VA internal processing and have nothing to do with qualification. Continue reading “QUALIFYING FINANCIALLY FOR VA IMPROVED PENSION WITH AID AND ATTENDANCE”