Have you checked your credit report lately? If not, it’s a good idea to monitor and maintain your reports on a regular basis to keep your credit scores as high as possible.As part of your overall financial and budgeting fitness plan you should check your credit score to see if there are any areas that can be improved or cleaned up to maintain or increase it.Many of these areas take very little effort to check. After you have disputed any items on your reports you must wait for the response from the bureaus. The longer period of time that negative information stays on your credit reports the longer it affects your score, so checking it often and taking action as soon as possible will help you to maintain your score at a high level for longer period of time.Your credit history will therefore look more favorable and that will make any future financial transactions easier and more beneficial for you.You can get a free credit report from each of the major credit bureaus once a year and you should take advantage of that opportunity to check your information. Even someone who maintains good financial and budgeting plan can be affected […]
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Generating a steady flow of topical articles that editors will pay good money for can be a bit of a drag at times. Use these simple methods to get the ideas flowing and the cash pouring in.If you’re anything like me, the major problem is actually finding the topic that you know will knock the socks off the readers, and hopefully the editor as well. The actual writing of the article holds no fears; it’s just finding the right topic and one that’s going to be a winner. So here are a few tips on capturing those elusive ideas.Perhaps the first and easiest thing you should do is pick up the nearest newspaper and read the headlines. If you think this sounds just a little too down-to-earth - think again. There are many best-selling articles that have been jump started into existence by a newspaper headline.Take a couple of headlines at the time of writing this:’Laptop Thief Has Bank Details of 15,000 policemen.’This could start you thinking about laptop security and how you can best protect your data from being compromised. You could write an article on the various methods of blocking viruses and keeping out SPAM. How about an […]
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As on-line and off-line consumers, we are constantly prompted to disclose our personal information to organizations. But with each disclosure comes the risk that one’s information will be mismanaged, accessed without authorization or stolen. In fact, it is estimated, that about one in 10 Canadians has been a victim of identity theft.
As personal information becomes an increasingly valuable asset, it is important for individuals to take their privacy seriously. By simply following some of the following key steps, you will be in a much better position to protect your information and identity.
1. Your On-line Presence
- The importance of choosing strong passwords cannot be overemphasized. When creating passwords, avoid a commonly used nickname, family member or pet’s name, or your on-line screen name. Instead, use a phrase or a series of letters and/or numbers (at least that you can easily remember but that would be hard for others, including password sniffers, to guess.
- Look for privacy policies on the websites you visit, particularly if you will be entering your information on the site. You need to understand with whom your information will be shared, and how it will be secured before providing it.
- Be […]
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