How Identity Theft Occurs

Written by John Mussi


Continued from page 1

•They may steal your wallet or purse.

•They may complete a "change of address form" to divert your mail to another location.

•They may steal personal information they find in your home.

•They may steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account.

How identity thieves use your personal information:

•They may call your credit card issuer to changerepparttar billing address on your credit card account. The imposter then runs up charges on your account. Because your bills are being sent to a different address, it may be some time before you realise there's a problem.

•They may open new credit card accounts in your name. When they userepparttar 135012 credit cards and don't payrepparttar 135013 bills,repparttar 135014 overdue accounts are reported on your credit report.

•They may establish phone or wireless service in your name.

•They may open a bank account in your name and write bad cheques on that account. •They may issue counterfeit cheques or credit or debit cards, or authorize electronic transfers in your name, and drain your bank account.

•They may buy a car by taking out a car loan in your name.

•They may get identification such as a driver's license issued with their picture, in your name.

•They may get a job or file fraudulent tax returns in your name.

You may freely reprint this article providedrepparttar 135015 author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.


My Cup Runneth Over. . .But I’m Still Thirsty

Written by Cheryl Johnson


Continued from page 1

My mindset was this, "If I took care of a family of five on my near poverty level income, surely I have no financial worries now." Life was good! At least for a while. Our standard of living changed of course. Typically, my cup runneth over……and I thirsted for more. Now we could afford to charge those things we "needed?" (I question it because, my definition of this word has greatly changed) and wanted without fear. I had that fear before. The fear of not being able to pay backrepparttar debt. I believe that's why I kept it under strict control. With that fear now gone and a new sense of false security replacing it……..debtor's demise set in quickly.

Before I knew it we were living paycheck to paycheck. Sometimes, I even found myself juggling funds around to makerepparttar 135011 budget balance. It didn't seem like so much money any more. I can laugh at myself now that I understand exactly how it happened. That delusion of grandeur mindset I had let little ol' me fall into. After all my research, I now know that I am not unlike millions of other people in this world. It's an easy mindset to get into. This is why more money will never make everything better until you learn to manage first and then spend.

Your best preparation for that big winning day is to start planning now. Even if that big money dream never comes true, you may be surprised what a little forethought and planning can accomplish. A good debt free spending plan and monthly budget that encourage frugal living will, atrepparttar 135012 very least, provide you with more financial security and independence.

Why heck, if you're young enough, you can plan your way into millionaire status. It can be done. It has been done! It'srepparttar 135013 guy next door who you may not even be aware classifies as a millionaire. He or she probably doesn't brag about it, and their lifestyle doesn't hint of it. But I bet that's one happy, stress free, millionaire who has everything he needs and wants. He's probably just aboutrepparttar 135014 nicest person you ever want to meet. Simply because he manages his money and refuses to let his money manage him!

So what are you waiting for? Quit wishing for more money and make a plan to manage and take control of what money you have!

Good Luck and Success

Live Debt Free to Be Free. You Deserve It!

Cheryl Johnson is a mother of four helping herself and others become and stay debt free. Publisher of Simple Debt Free Living- A self-help plan, ideas, and resources for debt reduction, personal budgeting, frugal living, and extra income opportunities


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