Identity Theft Epidemic - Is your bank account safe?

Identity theft is the number one crime in America. Tens of thousands of people who have always paid their bills on time are you waking up one day to their bank accounts to discover and drained, maxed credit cards in their name and ruining their credit.

Two weeks ago I was a victim of credit card fraud ... and I am as careful as you can be. Dealing with victims of fraud on a daily basis has taught me to constantly monitor my credit profile and bank accounts. In this particular case, that someonehad my Visa debit card information is collected and ran up thousands of dollars in costs. If I had not have been in the habit of monitoring my finances on an almost daily basis, I can write this despair was that my hard earned money is mounted in the form of a new plasma television on the wall some crafty crooks.

In my case, I became aware of the illegal activities of a not so pleasant visit to my online bank account. After picking me out of the soil and thusthe color back into my cheeks, I immediately placed a call to my bank to cancel the card. Luckily, my bank offers free fraud protection, but many are not. If your bank does not provide this important service, I recommend you to change banks.

I discovered the work before the post was even posted. The money was moved into the Credit Escrow and was not showing in my account, but the funding has not yet been released. My next call was the actual company, I had booked the transactionsAccount. They have been in 'pending transactions listed. "After a few phone calls I was able to reverse all illegal transactions on my account. I was lucky and within twenty-four hours the funds were credited back to my balance. Please note that I am at Credit Recovery Seminars to speak and teach people how to protect themselves from these predators. Luckily, I also practice what I preach. In this case saved my hide.

If it matters, the only safeWay to avoid identity theft, all the accounts that can be electronically accessed terminate to. Since this is not an option in today's age, and I will give you a short list of recommended precautions to protect yourself and your family from potentially catastrophic damage to your finances and credit rating.

Recommendation No. 1: Make sure all credit card and bank account, you are free to identity theft and fraud insurance. When I became a victim, I was immediately relieved, because my bankhad covered my ass.

Recommendation # 2: Do you provide a specialist ensures that your computer is adequate fire walls and a mobile network active safety. It is easy for a hacker to obtain your information and, if this is not the case. They have programs that track every keystroke on your computer and you use these programs to steal your data.

Recommendation No. 3: Carefully monitor your bank accounts on a daily basis. The criminal that was stolen from my dataLook for the shops at weekends, early morning, if I had done to discover themselves.

Recommendation No. 4: Purchase of any form of credit monitoring program. Many of these online programs are worth their weight in gold. Not only do they assign to changes in equilibrium and additions of derogatory credit, but above all, they alarm when you no credit cards are taken in your name. That is, as they hit the hardest. Through the Sit on the paper on a newAddress and opening new accounts in your name.

Recommendation No. 5: When buying a home and office paper shredder and use. Dumpster diving is still good for obtaining consumer information can be used.

With these simple steps, you are shielding yourself and your family from possible attacks. The threat of stolen your identity and money is real and not an active program in place, you might wonder broke down and fighting a hard battle for the finances and restore yourCredit. You never think it will happen to you until it does. Take my word for it!

Copyright yourcreditcures.com December 2005, USA

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Internet Banking Website Problems

Most normal people could have the bank accounts are now probably with the internet banking setup. Some have been known to somewhat tentative because of the problems that they see or hear each day online. While there are a few drawbacks, many the problems usually start with the consumer.

For example, there are very few people who do not use Internet banking, because of their own lack of knowledge. You can play against technology. You can feelthat it is difficult to learn. Because young people are exposed to computers at an early age, are people who have this problem more generally.

Some of the same people also fear using the Internet. Others who will be the offline computer usage is not use to go to the Internet. They fear for the loss of their privacy. Many of these people have exaggerated fears in their minds. For them, internet banking is not possible, unless they resign themselves to theirFears.

Some people just do not have the right equipment to go into the Internet. If not, take a very advanced computer Internet banking transactions. However, you need the basic modern computer equipment with modem. Most banks now expect a 128-bit encryption browser. They are also better off if you have a faster Internet connection than dial-up.

Security is a problem for many users of Internet banking, as well. The username andPasswords are often complex. This is good, mostly because no one else would guess. However, there may be a problem unless you remind them. You will probably not be able to access your account if you want, without through an intense security procedure.

Worse still, many people who know they only have bad to write down their user names and passwords for Internet banking, and keep them near their computer. This makes it easy forThieves steal to get money from their accounts.

Then there are drawbacks that do really only to the Internet banking more than the customer. A problem occurs when the computer system of the banking system an extremely high volume. Your transactions can not be made in time.

It can also cause other errors in the communication of banking, error or delay. If a computer virus ever got into the computers of the bank, it could be a real problem.Clearing up the chaos might take awhile. Fortunately, internet banking companies take many precautions to prevent this, it is highly unlikely.

If you use Internet banking through a virtual bank, you may create difficulties in managing cash. To deposit a paper check that someone gives you might not be as fast as it would for a traditional bank. Virtual banks usually will not let you deposit through an ATM, so often it is only one choice to mail itthem.

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With Microsoft Money For Online Banking

Would you like to online banking on? You must first set up the account in cash so it is ready to use online banking service. But then, should after this, you will find it easy to pay bills, make payments and reconcile accounts, as explained, the discussion that follows.

Setting up an Account for Online Banking

It is very easy to open an account for online banking. The first task that would require youto do is fill in all the papers from the bank provided. You would probably need to and then complete an online banking application form
and then wait while the application is processed and approved. Once the application is approved, the bank should send a letter that you provide specific instructions and a personal identification number or PIN to access the account. After you complete the application systems of the bank, take the followingSteps:

1. View your account list.

To view a list of accounts, including, click the link for the establishment of online banking, you want to Accounts & Bills, and then select Account List.

2. Select the desired account.

Click on the account in the list an account to use the window to see the money to the account register.

3. Specify that you are describing and establishing an account to change.

The Account tab displays a list ofTasks on the left side of the screen. Click Change Account Details link. If you select this task shows the update Money Details pane.

4. Follow the online setup wizard.

Click the Go To Online Setup button, and Money launches an online setup wizard that guides you through three dialog boxes that you use to set up the account action.

After you have installed using the Online Services Wizard is complete, the verification Money Online ServicesWindow. Verify that the window correctly describes the
Online services that you set up your account. Then click the Done button. Money redisplays the update window "details". Click the Done button, and now shows more money
the account register for the account.

After you have completed the online setup for an account, you can use it.

Payment of an invoice with online payment of bills

To pay an invoice with the online bill payment service, youMake note of the withdrawal in your check register, in the same manner as in a typical transaction. The only two
Differences are that you specify the box number as an E-Pay, and you need the address and credentials for the receipt of payment. The e-Pay entry in the
Num told Money Box this transaction is an online account.

When you click the Enter button to add an online bill payment, shows Money Online Payee DetailsDialog box. Use this dialog box, the
correct name of the payee, the payee mailing address for payments, a phone number and account number. Your financial institution then uses this information to create a check
for the company you pay for and to identify the reason for payment. After getting this information, click on the OK button and financial records of the online payment of bills
Transaction in your register.

Note: Include a phone number, so that the bank call theCompany which you pay when asking a question. After you have entered the online bill payment into the account, you can these payments to the bank. To do this, point to register the account, that the online bill payment you wish to make stops. Then click on the link to send payments, which will appear in the account register to start the transmission of online bill payments.

Transfer of funds between online --Accounts

You can transfer money from online accounts in two ways. First, you can, of course, money transfer in the usual manner, as by completing an account transfer slip at the
Bank and then transfer to a plate on the counter.

Second, you can transfer money online by recording the transfer in the usual way, but then Xfer entry into the Num Lock Box. Xfer The code identifies the acquisition transaction
like an electronic bank transfer.

To sendInstructions to your bank, so that they click to make the transfer, on the link to send payments. If the money in the Connect dialog box appears, enter your password
and click Connect. Money uses your Internet connection to the computer of the bank in order to invite and transmits your online payment instructions.

Downloading an online statement

If your bank supports online banking, you can create a online statement. To do this, you receive the accountPlease register click on the account, click "Connect to" bank job link
and then select "Connect to" Online Services from the submenu. If the money in the Connect dialog box appears, enter your password and then click Connect.

Once you download the online bank statement, showing a list of downloaded money transactions. What will you need to do next, in accordance with these transactions, these transactions
already recorded in your register. To a transaction that match click on it. If you do this, MoneyHighlights of the transaction in a list of download transactions and attempts to
to match it to a transaction already recorded in the register.

If money can be downloaded, a transaction to a transaction you have previously included in the register match a rule that would, on the basis of the same transaction
Volume accept the transaction. By accepting the transaction, you essentially record the fact that a transaction that you registered in your approved, the Bank and became effective onExplanation of his bank.

If a transaction on the list of downloaded transactions appear not already entered in your account, you can also accept. In this case, however, what
happens is that the cash registers of the transaction from your bank account on your downloaded records. You need to provide the missing data to complete the record
hold.

Reconciling an online account

You agree online accounts in one of two ways: First,You can find out the same method as for other online accounts. In other words, you can arrange an online --
Account in the same way to reconcile that you have an account that is not online.

You may also agree to go an online account in a second simpler way. If every few days, you can download an online statement, you can skip a formal reconciliation. Through regular
Download transactions, you will often be to ensure that you are not missingTransactions. If you have forgotten, a shop, or if a bank-initiated record
Transaction takes place, that you were not aware of the statement to appear, you will see, and then be able to accommodate these transactions. You can also host
have deleted the transactions of the bank, because they are recorded close monitoring of transactions that get hold of the bank, so that you do not need to say to bring your account into compliance at the end of the month. In essence, you areReconcile your account every few days.

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Computer Security Made Easy

As more people begin to use the Internet, whether for communication, online banking, investment or shopping, the potential danger of hackers and malicious attackers increase. While some may simply be after information for phishing or identity resale purposes, others are more dangerous to use in the search for computers to launch attacks such as the infamous Denial of Service or other viruses or trojans to other unknowing targets. The following list contains some simple, cheapMethods to secure your computer. While there are other ways to be do this, after the ten following steps will help you begin to protect your computer and your personal information.

1. Back up your files and stores them in a safe place separate from your computer

2. Often, patch and update the operating system, anti-virus, web browsers and Internet protection to prevent hackers from taking advantage of loopholes in the software. You can run your Windows operating systemat [http://www.windowsupdate.microsoft.com] by using the Update Wizard. Microsoft Office updates can also be found at http://www.officeupdate.microsoft.com be

3. Install a proper firewall. With the two proper hardware and software firewall, most viruses, worms, trojans, adware and malware programs are removed prior to any major problems or damage. It is important that your firewall and regularly update.

4. Configure your browser and e-mail settings for optimum security. Programssuch as ActiveX and Java are most commonly used by hackers to plant malicious programs into your system. Cookies can also be used to track your Internet browsing to build an online profile of you. A good way to overcome these problems is to configure your Internet browser to "high" security settings. At the minimum, set your security settings to "high" for the internet and "medium" for trusted sites.

5. Automatically update your antivirus software and internet securitySoftware. To be able to prevent the current versions on your computer, get the security is compromised.

6. Just run by e-mail attachments from people you have known. And even then only if you know what you are openning. Often a hacker can use the compromised e-mail address to spam viruses or worms to infect other people. It is not enough to know the e-mail address, but you need to recognize the plant.

7. Do not run unknown. EXE files. This is thedangerous thing to do, because they often contain Trojan horse scripts waiting to infect other computers.

8. Disable hidden filename extensions. This allows you to identify, and all unknown files or programs that are running on your computer locally. The default Windows hides file extensions option, so you have to disable this option.

9. Disconnect your computer from the Internet and turn it off when not in use. This prevents a hacker from attacking your computer, because it does notconnected to a network.

10. Make a boot disk on a CD before your computer a hostile breach of security experience. To recover the data and system operations after a successful attack on your computer.

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Online Bank Foreclosure Listings - Are Free lists valuable?

Paid foreclosure listings appear to be the norm for most people these days, and they are useful, but as a consequence, many people tend to overlook the value of the free lists. Yes, you can be free foreclosure listings is very valuable. Sure more people will have access to the same information, but it is not always a bad thing. There are many good deals thanks to the condition of the property market and just because a listing is free, does not mean there is not potential. VeryPeople indicated that protect banks and offer auctions found on the property of their investment on the properties in a free listing on. This is certainly true, but it is no different than a list that you paid for!

Both types of lists are valuable and sometimes paid listings at the end as more valuable than free listings. While this is true, it does not mean that free listings are automatically worthless. Lots of great deals can be found all along freeListings, and you can actually get by just fine with out always with a paid listing to. If you are a serious investor, you will get probably the best result with both types, but a person just looking for a home will do fine with free listings exclusively. The good thing about listings without charge is that you can try it for a while, and if you are not satisfied, you do not end up losing everything, but a little time.

On the other hand, if you can make up a list you do not paymuch about them, if the list proves to be unsatisfactory. You can find the offers without cost, by the newspaper regularly and use the Internet. An Internet search is a great tool for searching for free listings and many links to keep up to date information on the latest offers available. If you give yourself the time, free listings of one and try to create an optimistic approach, you will learn how valuable they can be.

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RBC Online Banking - 24-7 Banking, Ready When You Are

Banking is now easier than ever before. You can do the banks, twenty hours a day, seven days a week, with RBC online banking. It does not matter where you are, you can get with your bank from any internet connection. If you opt for online banking, you also use the lines that you can avoid finding a regular establishment.

When RBC's first look at online banking, it is difficult to overlook their convenience.With online banking, it is possible to gain access to your account at any time at your convenience, not the bank. These transactions cost less than actually set foot in the bank! With online banking you can pay bills, check your account balances and transfer money, without having to go the trouble (or fees) to the local branch.

You should seriously consider an RBC online banking savings account. These accounts have outperformed both interest andFees are lower than those available to traditional banks compared. You can also use your computer to remind you your login information. You should avoid the "forgot my password" option, but. To ensure that your data remains safe, make sure that your RBC online banking login information confidential and secure.

You can change your password regularly with most of the institutions that are on the network change. Such changes are smart and something you should dooften. You should keep in mind though, that you remember the new password every time you change it. It is simple and convenient log onto your online bank, but you need not to forget it safe to log out when you're done. If you use online banking from a public place like a library, at work or in an Internet café, this is particularly important.

Benefit of Washington Mutual banking on-line, but free from any suspicionE-mail telling you that you confirm your banking information on a link. While this link, you can take to be an authentic-looking Web page, the site almost certainly a false probability. Mainstream financial institutions almost never require that their customers to review all their information by e-mail.

The advantages of online banking are numerous to the customers. One of the aspects that customers like the most about online banking is the ability toCheck balances on accounts 24 hours a day, 7 days a week. Another advantage is the ability to monitor business relationships, whenever you need. Despite these advantages, one must still consider whether customers will be forced on the Internet than traditional in-person banking.

The opening of an online bank account is very simple. Everything you need to do is fill in your answers to some questions. You can do this from almost anywhere, even in your home or office. AfterEnter the answers, just print out and mark a slogan. If you do this return, you're done.

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The advantages of the Swiss Banking

Switzerland is the world's largest offshore financial center, bigger than London, New York or Frankfurt.

The Swiss banking system as a whole has this dominant position through a long tradition of political, economic and financial stability and some key principles will be found to the Swiss bank secrecy.

Swiss bankers have also built a strong reputation for managing investment portfolios for its clients and offers a wide range of servicessuch as succession planning, asset management, trust companies, Gold numismatics, Derivatives and confidential brokerage accounts.

Swiss law is especially strict about any closure of confidentiality, whether in banks or in other trade. All bank employees must log on to declassify part of the Banking Act as a condition of employment. KWG, it adds a particular area make it a criminal offense, with the possibility of jail time for eachEmployees or agents, was considered not to have passed on confidential information. These parts of the banking law has been interpreted both in practice and the courts to make it a serious offense to disclose to an information about a bank customer to a third party, including official requests from foreign governments.

It is no wonder that the Swiss banks are very popular in the world of offshore banks.

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