Credit and Finance
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Many people will readily and admittedly seek the services of legal professionals, medical professionals, tax professionals, even domestic professionals but when it comes to financial planning, they rarely seek the assistance of financial professionals. Perhaps it's the result of our grand parents generation and a fundamental lack of trust when it comes to sharing our financial situation with others. But could it be that this is one area where we are simply afraid to admit that we do not hold the answers? It's money after all; we should be able to control it, where it's going, and what it will do when it gets there right? I'm afraid the answer to that would be, "Not exactly."
Findings from a recent study by APACS show that the amount of overseas fraud exploiting UK debit and credit cards has hit a five-year low. However with ID fraud as one of the UK's fastest-growing crimes, this should not be a cause for credit card protection complacency.
Budgeting When Your Paycheck Varies
How can you decide how much you have for bills and expenses when your paycheck varies from one payday to the next? That's a question a lot of people struggle with.
10 Tips to Protect Yourself From Charity Scams
Charity scammers are very clever -- they know exactly what heartstrings to tug and how to make you think the scam is real. Here are 10 tips to help spot charity scams:
1. Ask for the name, address, and phone number of the charity -- and whether or not it is registered. If the presenters claim that it is registered, get a registration number.
Fake charity scammers often set up quasi-legitimate agencies so that, at first glance, they look real; they may also name themselves something similar to other legitimate charities.
They may even carry 'ID' in the name of the charity, complete with a logo.
The Better Business Bureau Wise Giving Alliance offers information about national charities; you can call 703-276-0100 or go to their website:
http://www.give.org
If you're trying to figure out whether or not some particular charity is worthy of support, check out this section of the site:
http://www.give.org/reports/index.asp
They publish their standards for rating charities, and then rate over 600 different charities using these standards.
2. Be especially cautious about getting a charity donation request by email. Most legitimate charities don't use email for their solicitations. (Some legitimate charities will email people who have donated before -- but never respond to requests where you've never donated.)
Remember our motto: if it's spam, it's a scam.
3. Verify with the office of the charity that there is indeed a campaign going on, or that they've authorized the charity drive that you're being invited to contribute to.
4. Be especially wary about charities that claim to be raising funds for the local police or firefighters. Check with them first!
5. Ask what percentage of your donation goes directly to the cause. Legitimate charities will have ready answers because they are used to the question. :-)
6. Don't ever donate cash if you can help it. Write a check to the charity -- not to the person standing in front of you. This also helps you document the donation for your records and for your tax return.
7. Get a receipt with the name of the charity on it.
8. Don't give in to pressure or 'guilt trips' about 'suggested donations' or 'requested minimum contributions.' Once you've determined that the charity is legitimate and you've decided you want to contribute, simply give what you can and want to give -- it will be appreciated.
9. Be wary of every opportunity that presents itself -- especially when it presents itself in the wake of some big disaster that gets lots of media attention.
10. The best way we know of to avoid charity scams is to decide IN ADVANCE (while you're doing your annual or monthly budget) which charities you'll support and CONTACT THEM. Then you can gracefully turn anyone else down who comes your way with hat in hand.
For more tips on avoiding charities and charity scams, visit:
http://www.scambusters.org/charities.html
It's great to be a giver -- but give cautiously so you're not enriching scammers or a questionable 'charity.'
Protect yourself from clever online and offline scams. Find out the latest information on Internet scams, spyware, viruses, hoaxes and urban legends. Subscribe free to Internet ScamBusters, the #1 publication on Internet fraud. Visit: http://www.scambusters.org
Related Credit News and Articles From adzines
What comes to mind when the Christmas season is near? Gifts, entertainment, travelng and everything that necessarily requires you to shell out your hard earned cash. For most people, it can mean overusing their credit cards. At least 54% of people are still paying off the previous year Christmas well into the next year. If you don want to be included in those statistics then here are some budgeting tips to keep your holiday travel and entertainment expenses under control.
It's not a secret that bad credit score makes it more difficult to get a credit card, but with a little searching you can find a card available for nearly everyone.
Balance transfer credit cards can be valuable for those who want to reduce their credit balance, to save money on interest payments, and to get out of debt faster.
Is increasing minimum payments positive or negative? People are sure that even disadvantages of this change may become advantages. Positive sides can be found in every situation. And this event is not an exception.
Making an affinity credit card deal, you can donate to non-profit organizations concerned with protecting the environment and fighting the global warming. However, if you want to show your love to nature, you need to pay high interest and fees.