Archive for April, 2011

Mineral Makeup and other Organic Cosmetics

The best course of action to take sometimes isn’t clear until you’ve listed and considered your alternatives. The following paragraphs should help clue you in to what the experts think is significant.

The cosmetic industry is capitalizing on the health trend. More and more women and cosmetic users are becoming health conscious. They are now paying attention on what they put on their faces and if they are detrimental to health. This is why cosmetic lines and brands focusing on organic and mineral makeup manufacturing is increasing.

When we say organic makeup, it can come from several materials. There are organic makeup which is made from plant materials and also from minerals. Since they are organic, plants used are not exposed to pesticides.

So, all organic makeup can be healthy? The answer, is no.

Not all organic makeup is safe. Plants can have toxins and carcinogens which can produce harmful effects to the body. This would be the same for mineral makeup. To a certain level, minerals can contain high toxic content. Japanese geisha used white powder to make their faces patsy white, this powder unfortunately has high lead content which can lead to poisoning.

So, if they are still unsafe why recommend it? The point in identifying that organic materials can be unsafe is that we should be cautious of the content of organic and mineral makeup. When choosing these kinds of makeup, it is necessary that we know if they still carry toxins and carcinogens. Here are some ingredients that you do not want to see on your organic makeup:

? Sodium laurel sulfate ? this can lead to skin allergies

? Paraben- this is a common preservative used in traditional makeup

? Hydrosols ? it has water which is often unpurified and has chemicals included

? Diethanolamine (DEA), cocamide DEA and triethanolamine (TEA)- these chemicals or cosmetic ingredients are known to cause cancer

Truthfully, the only difference between you and Mineral Makeup experts is time. If you’ll invest a little more time in reading, you’ll be that much nearer to expert status when it comes to Mineral Makeup.

When buying organic cosmetic be aware that there are some companies which adds the words ?derived from? to make and impression that the ingredients are natural. Be careful of the labeling. Some organic health experts would say that if it is good enough to eat then it can be used.

In relation to organic mineral-based makeup, it also does not mean that the product is totally safe. Jus take note of the ingredients and avoid putting or using minerals which show high toxic levels. You can check the material safety data sheets and check the safety level of the materials in your mineral makeup.

Also, since mineral makeup is loose powder, you need to ensure that the vanity or sink area for the makeup is dust free. It the makeup area has the mineral makeup scattered the dust can still be an irritant.

But organic and mineral-based makeup lists a lot of benefits which would be good for your body and health. These benefits would be:

? Ingredients are not only natural, they can also nurture and heal your skin.

? Mineral foundation evens out the tone of your skin and covers the facial flaws while letting the skin to breathe.

? There are no oil fillers which can block or clog your pore leading to different skin problems.

? There us no talc. Talc can lead to dryness of your skin and even emphasize the face’s fine lines.

Organic and mineral makeup both displays benefits which should be taken advantage by women and cosmetic users. It is about time we focus on our health and not just on beauty alone.

When word gets around about your command of Mineral Makeup facts, others who need to know about Mineral Makeup will start to actively seek you out.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

Is This the Right Time to Get a Mortgage Refinance Loan in California?

Blame it on the economy. Home sales in California, as in almost everywhere else, have gone down slightly. However, that is not a sign that it’s a bad time to buy. According to real estate experts and analysts, this still points to a market that is quite stable. Buying a house in California today could mean taking some risks but then again, when did taking out a mortgage refinance loan become 100% safe? Besides, California is still one of the best places to settle in.

Placing hopes on the Treasury Department
If the Treasury Department does back Freddie and Fannie’s securities any time soon, mortgage rates (including those for refinancing) could decrease. Borrowers could probably look forward to one percentage point. Should you take a 30-year mortgage on fixed rates, for example, you could look forward to around 4.5%. If that happens any time soon, the market should expect some brisk activities.

Buying a property in California
There are certain things you have to expect when buying a home in California, some of which you might not have to contend with if you’re buying a home elsewhere. Most houses in this state are quite expensive and if you have a particular zip code in mind, be prepared to spend ? really spend.

The jumbo buck stops here
Most of the properties you’ll find in California might require you to obtain a jumbo loan, although that is not to say that you can’t find one that is categorized as a regular loan. If you’re looking to settle any time soon in California and are placing your hopes on discounted loan rates, there are two figures you need to remember: $417,000 for conforming loans and $625,500 for jumbo loans. These are the limit restrictions beginning in 2009.

The present loan limit is still around $100,000 more than the jumbo loan limit restriction but it’s only good until the end of 2007. If your mortgage amount doesn’t exceed these limits, you could look forward to financial backing from Freddie or Fannie. Go overboard and you might find obtaining the financing you need at the low rates you want could be a challenge.

Getting mortgage refinance loans in California
There are a few important factors you need to consider when shopping for mortgage refinance loans in California. Keep these in mind to make sure that you land the best deals that are right for you and your resources. These factors include:

Is everything making sense so far? If not, I’m sure that with just a little more reading, all the facts will fall into place.

- The length of time you plan to live in your house (if you plan to move out within the next 5 or 10 years, getting a mortgage refinance loan in California is not a good idea)

- The difference in your current interest rate and the new mortgage refinance rate

- Your built-up equity

- Closing costs (there are fees and charges that you will have to pay for all over again)

- The mortgage insurance you’re paying on the property (if you have it)

- If you’re planning on getting cash-out refinancing

When getting a refinance loan for your mortgage in California, always consider the totality of the advantage of the new rate. If you can’t get an interest rate at a lower figure, getting your home refinanced may require you to shell out more money in the long term. Check if the monthly payments are affordable and if the overall result points to a great deal.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

Prompt Actions Against Identity Thieves

Identity Theft soars high in crime reports at the U.S. Federal Trade Commission (FTI) and other government bureaucracies; credit report agencies, Forensic Accounting firms, investigators, and other private consortiums to protect victims. Any holder of information identifiers of social security number, credit cards, bank account number, driver’s license, health care, and other financial sources is at risk. Everyone is vulnerable, offline or online. Households, telephone booths, and garbage areas are common places where criminals loiter around to look for their prey. Thieves simply want it the easiest way to earn without exerting much effort.

If a culprit gets into hands-on control of one’s number, it could be a start of a cycle of indefinite crimes against the legitimate owner, would lead the poor victim and his family into rubbles of chaos that can’t easily be repaired. A ruined reputation because of unprecedented debts thru malicious intent of someone would ruin anyone’s credibility, and totally, his life. There’s no way patching it up immediately, for criminals have all pretext to blackmail his victims pestering him further to the police.

If you’re a victim of identity theft, never loose time to research primarily in troubleshooting your problem. It is not easy, for the authorities at times will not listen. Going to agencies to get solutions entails a lot of expense. A victim will be entangled into questions of how, what, who, and where to get thru your complaint, or report. Get proper forms of applications of your complaint at the proper government agency.

Once filed, if its with the FTI, being the leading and core authority to follow-up of credit records trespassing, it has full control to *detect, by way of consistent monitoring of your financial accounts as well as your current billings; *to deter, with caution to safeguard any personal information data under their safekeeping; *defend your identification from any continuous manipulations of the suspected theft.

Sometimes the most important aspects of a subject are not immediately obvious. Keep reading to get the complete picture.

Having lost your credit account to the hands of a thief, you’ll need to hire a Certified Forensic Accountants (CrFA’s), who investigate to the in-depth of the irregularities of your figures in record that affect your monetary condition badly. It composed of CPA’s, CrFA’s, and investigators who will help you in all angles of your financial loss to the offender. Most importantly, it will handle the defenses against any repetition of identity deception.

Generally, federal prosecutors cooperate with various investigating agencies to prosecute any identity theft fraud. These are the FBI, The U.S. Secret Service, and the U.S. Postal Inspection Service.

A lot of paperwork is involved when you are filing your complaint to a definite jurisdiction of theft offense. You’ll need a series of contact files, actual conversations and written messages, discussions at the agency, dates, and witnesses, if there are any. Original copies of all documentations should be included in your files.

Send out to any office or person concerned photocopies only. A summary of what happened should be included in the report. The process is very meticulous and needs ample patience and determination. Ready your self for years of waiting before the offender will be found and proven guilty.

It would be too hard to mend a lost spirit on your part for having lost some of your economic gains that can’t be recovered in years, alongside a weakened morale. Be serious in shielding yourself against identity thieves before becoming their prey.

Now you can understand why there’s a growing interest in Identity Theft. When people start looking for more information about Identity Theft, you’ll be in a position to meet their needs.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

Vacation Rental Homes in Orlando: What to Look for and to Avoid

The following article presents the very latest information on Orlando Vacation. If you have a particular interest in Orlando Vacation, then this informative article is required reading.

So you’ve decided to stay away from major hotels and resorts while going on your vacation to Orlando because of the seemingly sky-high cost of staying there. But where should you stay instead? At a villa for the whole family? Or in condos, but those things can get pretty expensive as well. But there are other options to consider, because vacation rental homes in Orlando can reduce cost while not reducing any of the fun factor while you’re there.

Housing Units available

There are rental homes to be found all over Orlando. A quick check with some booking agencies and property management companies can reveal some very interesting homes for you to stay in while you’re in Orlando for your vacation trip. And the good thing about this is that they don’t have to be glorified shacks either, some very nice houses are up for rent, built just for the purpose of accommodating tourists, especially those on long vacations to the city of Orlando.

Since this is a whole house that you’ll be renting while going to Orlando, you can get pretty much everything that you want in a luxury hotel room, like multiple bedrooms that you can sleep in, living room, game room and kitchen, which are always valuable things to consider when looking for a place to stay. Although of course you won’t get luxuries like 24/7 room service, but you probably won’t be using that anyway. There are even driveways in each house so that you have a place to park the car you brought or rented.

Location is everything

Truthfully, the only difference between you and Orlando Vacation experts is time. If you’ll invest a little more time in reading, you’ll be that much nearer to expert status when it comes to Orlando Vacation.

You don’t want to spend much time traveling back and forth from tourist attractions and returning to your rental home, that’s for sure. Property management companies know this as well and they have homes that are within a few minutes away from Disney, so you can spend less time getting there and more time having fun.

You can also find that these homes just have a little bit of a price premium compared to others located farther away from where you want to go. This is sometimes more than enough to offset the travel expenses that come with farther locations. This can also be another point of savings when it comes to traveling expenses in terms of money and time, because you’ll spend less getting to places and more time seeing sights and having fun.

Pricing and availability

With these homes going for as low as $120 a night, and having standard amenities far from what you call shabby, a rental home is a good bargain to be had. Considering that the entire family will be staying in one house, this can be cheaper compared to staying at a hotel. Availability also varies because units are being rented all the time, so check if you can find a good deal in terms of price and location, and book early so that you have plenty of time to shop around.

Standard amenities like TVs, nice beds, furniture, and other items included in renting homes can be pretty good for such an inexpensive deal. As well as that, you can also keep the kids entertained during vacation downtime with the available game consoles in the houses (included standard in most), and have a wonderful time staying in vacation rental homes in Orlando.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

Mineral Makeup History

Mineral makeup did not just appear out of nowhere or is just a recent discovery. Although, mineral makeup is still not mass produced, it is increasingly getting popular among women. Since most people nowadays are paying more attention to their chemical intake and its effects on the body, there is now a trend on healthy lifestyle.

Actually, the use of minerals can be traced back into the time of ancient Egyptians. Egyptians take pride on their appearance. For them to be close to their gods, they need to be beautiful.

What kind of mineral do they use for their makeup?

Their eye makeup was mostly consisted of malachite, green ore of copper and kohl. Galena is also used for the eyes. This eye makeup also served as eye protectors from the hot and reflective rays of the sun in the desert. Their red lips would come from the red ochre. The same minerals are used for giving color to the cheeks. Each mineral used would come from a different place. Malachite came from the Nile valley, while galena would come from upper Egypt and the Red Sea.

Early Egyptians also believed that makeup is not only means of attaining higher spirituality, they are also used for practical reasons. Malachite and galena are both used as eye protectors. While there are others used for their ability to repel insects and help the body adapt to climate changes. Aside from this, ancient Egyptians believed that black makeup can drive evil sprits away.

Romans did not associate physical appearance to their religious beliefs. But they were already using makeup like lipstick and blush for the cheeks.

You can see that there’s practical value in learning more about Mineral Makeup. Can you think of ways to apply what’s been covered so far?

Ancient Greeks also used mineral makeup because they wanted to be close to the gods. In Greece, ancient women who belong in the high class rarely go out and get exposed to the sun. That is why women with pale skin are regarded highly, so they started using makeup to make the skin appear pale.

Greek women would use honey and olive oil to keep their skin’s moisture. Olive oil is also a part of their eye enhancement make-up along with charcoal. Lipstick are from mixture of redding and bees wax. This primitive lipstick evolved in ochre clay and red iron, making it a little bit harder and easier to apply to their lips

In the east, Chinese and Japanese were also applying makeup to their faces. Japanese geisha would paint their faces white and outline their eyebrows with charcoal. Actually, this did not happen in Asia only. In Europe, aristocrats would put powders in their faces. The idea is that this would separate them from the common, working class.

The 19th century signalled a different approach to cosmetics. Since pale complexion is a symbol of aristocracy, more men and women are trying to look pale. They would use hydroxide carbonate which unfortunately, has negative and toxic effects on the body. Later on , zinc oxide replaced the toxic substance.

Aside from class distinction, makeup was started to be used to get a younger look. This helped them deceive people of their true age. Powdered paper became popular. They were used with the same purpose of current powders, they were used to remove the shine.

World War II slowed the manufacturing and development of makeup. There are more important things that these items. But after the war, the cosmetic industry started to recover and never looked back. More and more women, and also men, started to purchase cosmetics to improve and enhance their physical features.

During the 1970s, a different trend started to materialize. Mineral makeup which consists pure and fine minerals were applied straight to the face. This mineral makeup did not undergo any chemical process which would inject chemicals and preservatives. Until now, this industry is continually growing.

There’s no doubt that the topic of Mineral Makeup can be fascinating. If you still have unanswered questions about Mineral Makeup, you may find what you’re looking for in the next article.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

Refinance Mortgage Rates

Have you ever wondered what exactly is up with Mortgage Refinance? This informative report can give you an insight into everything you’ve ever wanted to know about Mortgage Refinance.

Refinance mortgage rates can make your debts easier or harder to manage. Knowing the various factors affecting them will help you determine the best refinance mortgage to apply for.

4 Factors Affecting Refinance Mortgage Rates

Credit Scores
Do you know what your current credit score is? If not, it’s high time that you do. Credit scores play a significant role these days. They can affect the outcome of not just your home mortgage application but even that of your bank loan and dream job as well.

Credit scores are reflected on your credit reports. You’re entitled to one credit report from each of the three major credit bureaus every year. Get your free copy and review the items listed in them. Is everything accurate and valid? Bankruptcy details, for instance, may be omitted from your credit report when seven years have already passed since its filing date.

Payment history has the greatest impact on your credit score. In short, how good a payer have you been since your first loan or credit account? If you always pay on time, that can only help your credit score and vice versa. To improve your payment record, however, you should consider speaking with your creditors and convince them to extend your deadline.

Naturally, the size of your debt will also have an impact on your credit score. Reducing the amount of your debt will make your refinance mortgage provider more amenable to offering you lower rates and better loan terms.

How can you put a limit on learning more? The next section may contain that one little bit of wisdom that changes everything.

Other factors affecting your credit score are the type of debt you owe, the length of your credit, and the number of new credit applications you have.

Mortgage Payment History
If you have poor credit score, don’t despair just yet: you still have a few more opportunities left open. Let’s consider your mortgage payment history for one thing. Your overall credit score may be poor but if you have an excellent reputation with your mortgage creditors then certainly, your refinance mortgage provider would be willing to give you lower interest rates for your refinance loan.

Percentage Complete
Finally, how much or how little is left with your existing mortgage? If you are more than halfway done with your current mortgage and you have been fairly consistent in paying your monthly dues on time, your preferred refinancing company is sure to offer you the best rates available.

Naturally, the opposite applies if you’re seeking to replace a fairly new loan. This is understandable, however, so don’t be surprised when your refinance mortgage provider asks you lots of questions. After all, you’re basically asking them to shoulder the rest of your debt in lieu of another creditor. They certainly have the right to ask why you’re replacing a loan you’ve just recently taken out.

Source
Last but not the least, consider the type of company or creditor you’re asking. Long standing and well-established refinancing providers have the means of offering their clients with the lowest possible rates as well as the best service. They’re capable of taking greater risks and that’s why they can afford to negotiate your refinance mortgage rates until you reach a mutually satisfying agreement. Consequently, however, their application requirements are more stringent.

They may, among other things, require you to submit proof that you are earning a specified amount of money each month.

As your knowledge about Mortgage Refinance continues to grow, you will begin to see how Mortgage Refinance fits into the overall scheme of things. Knowing how something relates to the rest of the world is important too.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

What is Mineral Makeup

The only way to keep up with the latest about Mineral Makeup is to constantly stay on the lookout for new information. If you read everything you find about Mineral Makeup, it won’t take long for you to become an influential authority.

Mineral makeup was discovered more than 30 years ago and is very popular because the products are all natural. This means no chemicals, dyes or preservatives were used in making it unlike those you would normally in traditional makeup. If you are wondering what the main ingredients are, it is made up of mica, titanium dioxide and zinc oxide.

The mineral makeup comes in a variety of forms and the prices ranging from less than $10 to more than $50 per product. These include mineral blush on, mineral eye shadow, lip liners, nail polishes, body shimmers and mineral bronzers.

The best sellers happen to be the blushes and the loose power foundations that you apply to your skin using a fluffy and wide brush.

But why use mineral makeup? Because it provides users with a number of benefits and the first one is that because it is non-comedogenic, it does not block the pores of your skin allowing it to breathe. In fact, this is why it appeals to a lot of women that have sensitive skin.

If you haven’t tried it yet, go out and buy one now because tests have shown this is effective for women who suffer from acne, dryness, rosacea and other skin ailments.

Another benefit of using mineral makeup is that it does not feel like you are wearing a mask on your face or skin. This is because the powder is lighter than conventional cosmetic products making people who look at you think that you are not wearing any makeup at all.

See how much you can learn about Mineral Makeup when you take a little time to read a well-researched article? Don’t miss out on the rest of this great information.

It also gives you protection from the sun since it reflects sunlight because the main ingredients namely mica, titanium dioxide and zinc oxide work by reflecting the photons of light up and out of the skin so there is no absorption of energy.

There are also no chemical reactions and no free radicals produced which is why these products are now often being recommended by dermatologists.

Some women powder up a number of times during the day. With mineral makeup, you only need to apply this once a day and what is even better is the fact this it is water resistant.

Most cosmetic products have to be removed before going to bed. You don’t have to do that with mineral makeup because you can even go to bed with it which is very useful if you have to start your day early and you don’t have time to fix yourself up.

So mineral makeup is good for you and as you can see, better than traditional cosmetics. So, head on over to the nearest store and compare the different mineral makeup brands then buy it. If appearance is something that is important to you, don’t sell yourself short. Get something you know is good that will also give you a radiant glow.

For those who have not used mineral makeup before, this is what you are supposed to do. First, you apply foundation to beautify your skin. Then you apply a light layer of your favorite color-enhancing mineral makeup across your cheekbones. Lastly, you apply the other mineral makeup products you normally use to make you look good.

The best part of using mineral makeup is that you will bed one with everything in less than 5 minutes.

Now might be a good time to write down the main points covered above. The act of putting it down on paper will help you remember what’s important about Mineral Makeup.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

Finding a Friendly Mortgage Rate for Refinancing in Arizona

If you’re looking to take out a refinancing loan and are living in Arizona, you could take advantage of the good mortgage rates currently on the table. In December 2008, the average going rates for 30-year FHA refinancing mortgages dipped nearly 20 basis points, landing at a friendly mortgage rate of 5.73%. Compare that with the average mortgage refinance rate of about 6.4% to 6.6% just recently. Since it’s a good time to consider having your mortgage refinanced in Arizona, here are some tips on finding the best mortgage rates around:

Consider what matters to you.
Determine the factors that will make a mortgage refinance rate advantageous for you. After all, your goal is to find the one that: a) you can afford and b) give you significant savings over the long term. Once you get a quote, do a few calculations to determine if the mortgage refinance rate is a good deal for you.

Consider mortgage type and shorter payment periods.
If you have the resources, it would be advantageous for you to shorten the life of your loan. If you choose a 15-year payment program, for example, you will get lower mortgage rates than if you took out a loan for a 30-year period loan.

Use your equity.
If you take care of your home now, you will be able to reap the rewards later. Your home’s equity will increase as its market value increases. You could help this along by making sure that the home is well cared for. Doing a few maintenance repairs here and there can mean the world of difference in the future.

Furthermore, you could raise your equity and enjoy low mortgage refinance rates later once you’ve paid up a good amount of your current mortgage balance. This decrease will get you a good deal on your rates.

So far, we’ve uncovered some interesting facts about Mortgage Refinance. You may decide that the following information is even more interesting.

Your current credit standing could also be very useful in helping you get good mortgage refinance rates in Arizona. If you haven’t had any problems with your credit in the past, your lenders are more than inclined to offer you a good deal.

Always compare lenders.
In Arizona, as in everywhere else, make sure you talk to multiple lenders. The idea is to find the best rate possible for your type of loan and credit history. Look for locally advertised mortgages in Arizona from at 3 or 4 different lenders.

Remember that refinancing does cost money over the long term and if you don’t get good rates, you could end up paying higher payments each month.

Find out about closing costs.
Getting refinanced means going through the loan process all over again. You will have to pay for fees, certain charges and closing costs. If you’re taking out a mortgage refinance loan in Arizona, find out how much you’ll be paying because this could significantly burden your finances ? at least temporarily.

Got good credit standing? You could take advantage of low advertised rates.
The low, low figures you find advertised on a lender’s website or classified ads are meant for borrowers who have above average credit standing. If you fall below this category or have less than the ideal credit score, you might not be offered these borrower-friendly mortgage refinance rates.

If you’re borrowing for refinancing in Arizona, check your credit first. The more reliable you are as a payer, the more likely you will be rewarded with great mortgage refinance rates.

Of course, it’s impossible to put everything about Mortgage Refinance into just one article. But you can’t deny that you’ve just added to your understanding about Mortgage Refinance, and that’s time well spent.

About the Author
By Anders Eriksson, feel free to visit his top ranked GVO affiliate site: GVO

How to Prevent Identity Theft

The following paragraphs summarize the work of Identity Theft experts who are completely familiar with all the aspects of Identity Theft. Heed their advice to avoid any Identity Theft surprises.

In 1996, Mari Frank lost her identity to an internet hacker when a stranger accessed her credit report online. Ten months later, Frank, of Laguna Niguel, California, had a creditor call him about “her” outstanding debt and it was a lot, a huge lot, including payments for a red convertible that she apparently bought. What is more, the culprit found Frank’s business cards and even impersonated her.

Frank got weak in the knees and really dizzy when she heard the shocking, almost surreal news. After which she got mad as heel, and decided then and there that she would fight against these kinds of crimes if only to avenge what happened to her.

Most guides on preventing identity theft focus on steps consumers can take, such as shredding their trash and protecting their SSN. But realistically, while these steps reduce the risk of becoming a victim, there is little individuals can do to actually prevent identity theft.

True prevention resides in two arenas ? the adoption of more effective application-screening procedures by the credit industry and the implementation of responsible information-handling practices by employers. This article focuses on the latter.

Experts in identity theft report that an increasing number of cases can be attributed to the fact that some employees in companies use their connection and their position to obtain sensitive personal information of other employees, customers and even contacts and use them for illegal means. Some even disclose it to identity thieves for a price.

If you base what you do on inaccurate information, you might be unpleasantly surprised by the consequences. Make sure you get the whole Identity Theft story from informed sources.

Phishing is a type of deception designed to steal your identity. In these kinds of scams, scam artists try to get you to disclose valuable personal data-like credit card numbers, passwords, account data, or other information-by convincing you to provide it under false pretenses such as through the internet. Phishing schemes can be carried out in person or over the phone, and are delivered online through spam e-mail or pop-up windows.

One of the keys to preventing identity theft, therefore, is to safeguard personal information within the workplace, whether it’s a business, government agency, or nonprofit. Targets for identity thieves include SSNs, driver’s license numbers, financial account numbers, PINs, passcodes, and dates of birth.

Some get this information the old fashioned way: They steal your purse or wallet. Others steal official looking mail from your mailbox. Some use change-of-address cards from the Post Office to have your mail forwarded to another address typically a vacant building. They may steal garbage bags or “dumpster dive” for trash with revealing information. Fellow employees may access information from your personnel file. Bank employees have collected data from their computer databases. Others collect data from public records.

You can prevent identity theft by purchasing and using a paper shredder. It may be hard to believe, but so-called ?dumpster diving? is still practiced by identity thieves today. This means that the thief steals your garbage and rifles through it in search of old bank statements, bills, voided checks, and other paperwork that includes personal and financial information about your family. By shredding all of your mail and important papers before you throw them in the garbage, you’ll make it impossible for identity thieves to get their hands on your discarded correspondence.

When you provide information to businesses or stores, such as hotels or rental car companies, ask them if they shred hardcopies of your information before disposing of it. If they don’t, you should request to have all of your paperwork returned to you so you can discard it properly. By not shredding your information, these companies are not doing their part to prevent identity theft.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

Insurance for identity theft victims

Identity theft may seem so far fetched but trust me it is not. With today’s technology and the growing sophistication of the world wide web, hackers and con artists are now living in a world that used to only exist in the pages of a science fiction book or a scene in a suspense-thriller movie.

This can be a major problem for anyone because not only will you have to worry about your personal properties like credit cards and bank accounts, you also have to think about the fact that someone else is using your name and your reputation to do god-knows what.

According to the FTC, there are more than 160,000 reported cases of identity fraud in the country in 2002.

Identity theft insurance reimburses the victims of identity thefts for the cost of restoring their identity and repairing credit reports. Some companies include these kinds of insurance as part of their homeowners insurance policies while others sell them as stand alone policies or as an endorsementa to a homeowners or renters insurance policies.

On average, these policies cost between $25 and $50 for $15,000 to $25,000 worth of coverage. Identity theft insurance provides reimbursement for expenses such as phone bills, lost wages, notary and certified mailing costs and sometimes attorney fees with the prior consent of the insurer.

Complaints about identity theft have surged from about 40,000 in 1992 to 750,000 in 1998, according to regulators.

I trust that what you’ve read so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.

Las Vegan Julia Twentyfive knows all too well how identity theft can destroy your life. A thief who stole her purse used her identity to rip off others in a credit card scam. Her nightmare cost her three days in jail, $15,000 and two years of her life to straighten it all out.

Metro police say they receive up to 75 new reports of identity theft every week here in Clark County. It’s the fastest growing crime in America today. It’s just a matter of time; sooner or later we’ll all become victims.

Ted Burke is a former law enforcement agent who has spent many years dealing with identity theft victims. “They really didn’t have an antidote or way to stop the bleeding until we came about. Burke is now the senior regional vice president of Prepaid Legal Services, Inc. in Nevada. His company has offices all over North America and has now partnered with the nation’s biggest investigative agency, Kroll Inc., to provide an insurance policy for ID theft victims.

“Generally, we’ll find out if they’re a victim before they know and we’ll notify them,” Burke said.

It’s called identity theft shield, an around the clock system of monitoring your credit, restoring your identity and reimbursing your costs in case your good name is stolen and used against you. And with 1 of out of every 4 Las Vegans at risk of falling victim to this rising crime, identity theft insurance may be the closest thing our society has to a cure.

Ted Burke adds, “It gives them peace of mind. They can sleep at night knowing we’re watching their back 24-7, 7 days a week no matter where they are or what they’re doing, we’re taking care of them.”

Identity theft shield benefits will cost your family anywhere from $10 to $12 a month. Pre-paid legal Services has been in business for more than 30 years and operating in Nevada since 1989.

It never hurts to be well-informed with the latest on Identity Theft. Compare what you’ve learned here to future articles so that you can stay alert to changes in the area of Identity Theft.

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By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO




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