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Forensic accounting is the practice of utilizing accounting, auditing, and investigative skills to assist in legal matters. It encompasses 2 main areas - litigation support, investigation, and dispute resolution. Litigation support represents the factual presentation of economic issues related to existing or pending litigation. In this capacity, the forensic accounting professional quantifies damages sustained by parties involved in legal disputes and can assist in resolving disputes, even before they reach the courtroom. If a dispute reaches the courtroom, the forensic accountant may testify as an expert witness.
Junk. We all have some of it lying around the house. Whether it's boxed items cluttering the attic or everyday items that just don't fit with the room's decorating theme anymore, many of us have more than we need. At some point it all gets to be too much and in a fit of energy we decide that our place needs to be cleaned. Then the junk gets moved, typically to the nearest trash can. But wait. Before you throw out all that stuff, it pays to take head of the saying "one person's junk is another person's treasure."
Retirement Planning for where you Will Live
There are many things that people plan for when planning their retirement. They plan for the travel they wish to do, to have money for gifts for the grandchildren they hope to have, and all kinds of wise and practical thing. In the process, however, many people neglect to plan for where they wish to live upon retirement. We are seeing a growing trend of retirees moving to certain communities. This is all well and good. It's nice to be around people of similar ages and interests and live in communities that cater to those interests. However, one thing is often overlooked during the process. The prices in these communities, and the average cost of living are quite likely to be different than the cost of living where you are. This is true unless you plan to retire where you live.
How Identity Theft Occurs
In the course of a busy day, you may write a cheque at the grocery shop, charge theatre tickets, rent a car, post your tax returns, change service providers for your cell phone, or apply for a credit card. Chances are you don't give these everyday transactions a second thought. But an identity thief does. Identity theft is a serious crime. People whose identities have been stolen can spend months or years and thousands of dollars cleaning up the mess the thieves have made of a good name and credit record. In the meantime, victims of identity theft may lose job opportunities, be refused loans for housing or cars, and even get arrested for crimes they didn't commit. Despite your best efforts to manage the flow of your personal information or to keep it to yourself, skilled identity thieves may use a variety of methods to gain access to your data.
How identity thieves get your personal information:
* They may get information from businesses or other institutions by:
o stealing records or information while they're on the job
o bribing an employee who has access to these records
o hacking these records
o conning information out of employees
* They may steal your mail, including bank and credit card statements, credit card offers, new cheque books or tax information.
* They may rummage through your rubbish bins, the rubbish bins of businesses, or even public rubbish dumps.
* They may steal your credit or debit card numbers by capturing the information in a data storage device in a practice known as "skimming." They may swipe your card for an actual purchase, or attach the device to an ATM machine where you may enter or swipe your card.
* They may steal your wallet or purse.
* They may complete a "change of address form" to divert your mail to another location.
* They may steal personal information they find in your home.
* They may steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account.
How identity thieves use your personal information:
* They may call your credit card issuer to change the billing address on your credit card account. The imposter then runs up charges on your account. Because your bills are being sent to a different address, it may be some time before you realise there's a problem.
* They may open new credit card accounts in your name. When they use the credit cards and don't pay the bills, the overdue accounts are reported on your credit report.
* They may establish phone or wireless service in your name.
* They may open a bank account in your name and write bad cheques on that account.
* They may issue counterfeit cheques or credit or debit cards, or authorize electronic transfers in your name, and drain your bank account.
* They may buy a car by taking out a car loan in your name.
* They may get identification such as a driver's license issued with their picture, in your name.
* They may get a job or file fraudulent tax returns in your name.
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