Finding Local Health, Home, and Auto Insurance in Murrieta

We all need it, yet we all seem to be discouraged by it. I'm talking, of course, about insurance. Every month we send a check to the insurance company so that we can drive our cars, live in our homes, and use our stuff with the security and peace of mind that comes with knowing that it's all protected. It may seem like a waste of time and money when you don't need to use it, which makes insurance somewhat similar to a gun: it's better to have it and not need it, than to need it and not have it.

So, when it comes to shopping for insurance, it's no surprise that many people don't really know what to look for. In this article, I'm going to go over a few different types of insurance offered locally in Temecula and the surrounding areas. After all, it's better to go with a local insurance agent than a large company located hundreds of miles away. Read more

http://colonydrop.com/forum/index.php?action=profile;u=11252

http://community.slickedit.com/index.php?action=profile;u=15806

http://bluechampions.com/chatroom/index.php?action=profile;u=55669

http://chips.mjankowski.com/forum/index.php?action=profile;u=10646

http://chaisislandbistro.com/forum/index.php?action=profile;u=29922

How To do a magical fundraiser

What type of events do you host as fundraisers? If the answer is none then you may want to rethink that. I’m not saying you need a black tie gala but what about a magic show? You can check in Craigslist or ask family and friends who knows a decent magician and start calling to find what they charge. If you live in a small town you may have to look to the metro area you lice closest to but you should not have to pay for travel expenses.

Let the entertainers know that you are hosting an even as a fundraiser and you thought a magic show would be a good idea. Get their rates for the show and compare. Think of how many people you can get to attend, being conservative with your number is always good so you don’t lose money. Perhaps you can charge for individuals and for families. You may consider selling refreshments as well which can bring in a lot of extra money. Read more

http://forum.hostpapasupport.com/index.php?action=profile;u=16454

http://fr33sp33k.h33t.com/index.php?action=profile;u=29027

http://parsiworld.com/discussions/index.php?action=profile;u=55750

http://www.sendosmartphones.com/forums/index.php?action=profile;u=10921

http://cancereducation.org.my/kanforum/index.php?action=profile;u=34347

Child-identity theft increases

By Lucy Soto

For the AJC

Imagine applying for that first job, that first exciting credit card, that freshman-year college loan. Now, don’t.
Enlarge photo
For more young adults, plans and hopes are being dashed because they are unwitting victims of identity theft at the hands of someone they know, usually their parents.
File For more young adults, plans and hopes are being dashed because they are unwitting victims of identity theft at the hands of someone they know, usually their parents.
More Atlanta area news »

* Teen seriously hurt in hit-and-run
* I-85 south re-opens in DeKalb
* Duluth ponders what to do with Red Clay Theatre
* Body found in Sandy Springs
* Top news around the Web

For more young adults, plans and hopes are being dashed because they are unwitting victims of identity theft at the hands of someone they know, usually their parents.

It often happens when victims are too young to do anything about it, so it’s a crime that can go undetected for years.

A parent or other relative uses a child’s personal information, including Social Security number, to get a credit card, loan or other account with a clean credit record. That’s identity fraud in Georgia.

When the child enters the business and financial world as an adult, he encounters debt he knows nothing about

“They won’t be able to get a credit card. Or if the debt owed is disproportionate to their earnings, then they can’t get loans. It’s difficult to get a car,” said Michelle Jones, senior vice president of counseling for CredAbility. The Atlanta-based nonprofit, provides credit counseling and education across the Southeast. Read more

http://forum.virtuemart.net/index.php?action=profile;u=78338

http://forums.waltercedric.com/index.php?action=profile;u=17732

http://ufoai.ninex.info/forum/index.php?action=profile;u=21220

http://www.btiteam.org/smf/index.php?action=profile;u=46265

http://2dboy.com/forum/index.php?action=profile;u=23739

What is the difference between a credit freeze and a fraud alert? July 16, 2010 By: Mike Killian Question: What is the difference between a credit freeze and a fraud alert? Answer: A credit freeze locks the data at the consumer reporting agency until an individual gives permission for the release of the data. Today, credit freezes are made possible by state laws as well as industry-initiated rules. Credit freezes are frequently viewed as the most effective way to prevent financial identity theft. A fraud alert is something that the major credit bureaus attach to your credit report. When someone tries to open a credit account the lender should contact you to verify that you really want to open a new account. If you aren't reachable by phone, the credit account shouldn't be opened. If you suspect you're a victim of identity theft, consider initiating a fraud alert, a credit freeze or both. A credit freeze is the stronger option of the two. It tightens access to your credit data by allowing you to freeze all access to your credit file.

July 16, 2010
By: Mike Killian 

Question: What is the difference between a credit freeze and a fraud alert?
Answer: A credit freeze locks the data at the consumer reporting agency until an individual gives permission for the release of the data. Today, credit freezes are made possible by state laws as well as industry-initiated rules. Credit freezes are frequently viewed as the most effective way to prevent financial identity theft.
A fraud alert is something that the major credit bureaus attach to your credit report. When someone tries to open a credit account the lender should contact you to verify that you really want to open a new account. If you aren't reachable by phone, the credit account shouldn't be opened.

If you suspect you're a victim of identity theft, consider initiating a fraud alert, a credit freeze or both. A credit freeze is the stronger option of the two. It tightens access to your credit data by allowing you to freeze all access to your credit file. Read more

http://forum.virtuemart.net/index.php?action=profile;u=78338

http://forums.waltercedric.com/index.php?action=profile;u=17732

http://ufoai.ninex.info/forum/index.php?action=profile;u=21220

http://www.btiteam.org/smf/index.php?action=profile;u=46265

http://2dboy.com/forum/index.php?action=profile;u=23739

Credit scores dropping to new lows

The credit scores of millions more Americans are sinking to new lows.

Figures provided by FICO Inc. show that 25.5 percent of consumers -- nearly 43.4 million people -- now have a credit score of 599 or below, marking them as poor risks for lenders. It's unlikely they will be able to get credit cards, auto loans or mortgages under the tighter lending standards banks now use.

Because consumers relied so heavily on debt to fuel their spending in recent years, their restricted access to credit is one reason for the slow economic recovery.

"I don't get paid for loan applications, I get paid for closings," said Ritch Workman, a Melbourne mortgage broker. "I have plenty of business, but I'm struggling to stay open." Read more----------------------------------------------

http://forums.nurse.com/member.php?u=792736&vmid=14780#vmessage14780

http://www.aigaion.nl/forum/index.php?action=profile;u=22506

http://www.kobobooks.com/user/danielsstrickland/profile-2-GK2ZEoKUSlH9L4NJzgdw.html

http://forum.download-driver.net/index.php?action=profile;u=22909

http://forum.emeraldeditor.com/index.php?action=profile;u=19343

http://pgsa.org/simplemachinesforum/index.php?action=profile;u=15507

http://forum.civicrm.org/index.php?action=profile;u=37012

Tips For Raising Your Credit Score For Newbies

The credit score is often the determining factor when it comes to getting approved for a loan or mortgage. For those who do get approved, the score can determine the interest rate that is charged. Having a score just two small points below the threshold for the best rates can cost an individual thousands of dollars. Following some tips for raising your credit score will help prevent that from happening.

Raising the score takes time and any attempts at quick fixes can easily backfire. The key is for an individual to practice responsible credit management over a long period. There are online calculators, including one provided by FICO, one of the major entities that determine credit scores. Reviewing these tools will illustrate just how much money individuals can save by improving their credit scores. Read more

Additional resources here:

http://msexchangeteam.com/members/danielsstrickland.aspx

http://sarovar.org/users/danielsstrickla/

http://lightingafrica.org/users/danielsstrickland

http://www.fosterclub.com/members/danielsstrickland

http://www.richmondchic.com/index.php/member/116769/

http://www.thepoint.com/users/danielsstrickland/profile

http://www.fanfiction.net/u/2435229/