If Experian Was Hacked, How Can You Monitor Your Credit History Accurately

If Experian were to get hacked, identity thefts could use your identity information to open new credit cards or take out a new loan and then don’t make repayment. They could also know the number of your existing credit cards and use them to make fraud charges. The best way to protect your credit history is to sign up for the credit monitoring service the credit bureau offers. On the Equifax website, you can enter your social security number and see if the data breach has affected you.

The incident of Equifax being recently hacked should be a warning to those who are lazy in checking their bank statement. Starting from now, you should develop a habit to regularly checking your bank statement, and credit card statement. If you did not find any fraud activity on your credit report, it doesn’t mean that you are safe. This is because crooks are patient and they will wait for the right time if they want to steal your identity information to commit frauds.

You can perform a credit freeze to deter identity thefts from misusing your identity to open new account. Credit freeze can lock your credit report on file and make it harder for identity theft to open new account. Credit freeze can prevent your credit report from being easily accessed. If the credit report cannot be accessed, the creditor will not be able to extend the loan.

You can also consider setting up a fraud alert. There are two types of fraud alert including initial and extended fraud alert. Initial fraud alert will protect your credit from being accessed by identity thefts for 90 days while extended fraud alert can give your credit a protection of up to 7 years. With a fraud alert, creditors will take the initiative to carry out extra steps to confirm your identity before approving the opening of the new lines of credit. Credit freeze can be done by visiting the credit bureau site or calling the hotline number.

Besides, it is especially important for those planning to buy a new car or house to check their credit report after the occurrence of the data breach. If someone use your identity to apply a new credit card, your credit score could be damaged and this will result in you getting a higher interest rate for the loan. You can check your credit report by requesting a free copy from the credit bureau.

Some of the things that you should look out for in the credit report are wrong personal information, accounts that you did not open, and credit inquiries from unfamiliar companies. If any fraudulent activity is found on the credit report, make sure you report it to the credit bureau so that they can carry out the investigation and have them deleted.

What are the Proper Steps for Handling Asbestos in Your Home

Asbestos is found in the various parts of the house architecture such as flooring, roofing and siding. This is especially true for old homes that are built before the 1980s. Proper handling of asbestos is necessary because it is carcinogenic and too much exposure can cause asbestos cancer.

In the USA, it is legal for homeowners to remove asbestos that is located inside the house and not in the exterior. Homeowners must follow the safety precautions when removing the asbestos. You can visit the EPA site to find out the proper procedure for handling asbestos. The first thing to do is to clear away all items in the area so that they won’t be contaminated. Anything that can’t be moved should be covered with a polyethylene sheet. The walls and floor are to be covered with a polyethylene sheet.

To protect the health of your family members and pets, you should have them moved to other places. Before handling asbestos, make sure you wear personal protection equipment such as respirator or dusk mask to prevent breathing in small particles from the asbestos as well as gloves to protect your hands. The dust mask should have at least two straps.

You can also wear a disposable coverall to protect your nose and eyes. It is important not to eat in the work area as there may be tiny asbestos particles flying around in the air that ends up in your food. You must be cautious in removing the entire asbestos sheet without breaking it. This means that you should avoid using power tools like drill or sand or saw the asbestos.

It is illegal to attempt in spraying the asbestos sheet with a water hose gun as this can remove the coating on the asbestos. You can slightly wet the asbestos material if you want. Materials containing asbestos must be double bagged and put in the approved disposable bag before along with the warning label prior to disposal. It should be transported in a covered truck so that asbestos dust will not fly into the air.

If you are not sure whether the building material contains asbestos, you can hire a asbestos consultant to perform testing on the presence of asbestos. Testing for asbestos is crucial to protect your health and the health of those in the vicinity. If you are not trained to handle asbestos, it is advised that you hire a licensed asbestos removal professional.

The professional knows the safety procedure to remove and dispose the asbestos. If a lot of asbestos fibers will fly in the air, you should hire an asbestos removal contractor that is HSE licensed. You must make sure that the professional you hire is compliant with the asbestos removal regulation of your state.

Will Unsecured Loans Become More Popular with Expected Lending Restriction Changes Under President Trump

More people are expected to apply for loans after President Trump announced that he will make some regulatory changes that will make it easier for banks and financial institutions to extend loans. With loans getting easier to obtain, it will give people opportunities to start businesses which plays an important role in boosting the economy. President Trump is asking for the feedback from the banker executives on the regulations that restrict them from extending loans to consumers. He has vowed to make the necessary changes to amend the Dodd-Frank Act which he claimed is a disaster.

The Dodd-Frank Act was established following the economy crisis in 2008. President Trump has signed an executive order that tasks the treasury secretary, Steve Mnuchin, the treasury secretary, to go through the entire financial regulation and report back to him on any finding of flaws together with suggestions on what need to be changed within 120 days.

The Dodd-Frank Act is no good for small community banks as it creates rules that prevent them from charging certain fees on loans that are part of their main income. It has forced community banks to offer low interest rates for consumers so that extending loans is no longer as profitable as before. This has caused many small banks to join together in effort to make it affordable to extend loans to consumers.

It has been a long time since community banks complain about the restrictions that is imposed on them through the Dodd-Frank Act. Many people who have nice businesses also complained about not being able to get a loan nowadays because the bank won’t allow them. All this happens because of the recent regulations introduced through the Dodd-Frank Act. It will take some time for the Dodd-Frank Act to be demolished since the government also have other things like tax laws to handle.

All banks need to be regulated but the current regulation is too strict and has hurt the growth of many small businesses that are supported by small community banks. The small community banks provide the majority of the funding for small businesses. If these small businesses don’t have access to funds, they won’t be able to grow and this will lead to the downfall of the economy.

It is possible to eliminate the Dodd-Frank Act since President Trump and the Republicans are in charge of the Congress. Under President Obama, regulators have been stricter to the banks. Banks are asked to increase the capital requirement so that they can approve lesser loans. The Republicans have come up with an act called Financial Choice Act that will completely eliminate the Dodd-Frank-Act. The Choice Acts gives bankers the option to choose whether they want to remain or break free from the Dodd-Frank Act.

Hurricane Matthew Takes Aim At Florida As Potential Disaster Zone Grows Larger

Category 4 storm hurricane Matthew has left in its wake catastrophic damage as it pounded Cuba on Tuesday night after drenching Haiti and leaving behind flooded streets, broken trees and 7 people dead. There are fears that more people will die as the hurricane continues to hurl towards the Bahamas, where it is expected to arrive on Wednesday night at a speed of 125 mph. It will linger in Bahamas and residents there will be expected to deal with the storm on Wednesday night and the whole of Thursday. Jeff Zimmer, with SKO construction, a Florida disaster recovery company said “We’ve been fielding calls by the dozen per hour, property owners are beginning to realize the potential magnitude of this storm system”.

There was a lot of damage in Haiti, especially in Southern Haiti where the heavy rains caused waterways to swell and overflow into the streets. Many walls of buildings have been damaged and the strong winds tore off roofs from many houses. The bridge connecting Port-au-Prince to Southern Haiti collapsed under the torrential rains, which in effect hampered relief efforts. Aid efforts have been further hampered by broken communication as communication towers have been affected by the trees that have been falling on them.

Four governors along the East Coast of the US have declared a state of emergency and put out warnings for residents in those states to prepare for the worst. Residents have been told that they could possibly be evacuated in case their states take a direct hit from the raging storm. Even though it is expected that the winds will lose some of its strength as it heads to the United States, it will still be strong at 115km/h. This is still strong enough for residents along coastal towns to be on high alert due to the massive damage that such strong winds can cause.
In preparation for the storm that will most likely hit Guantanamo Bay, Florida, the US government has airlifted over 700 family members of military service men based in this coastal state. However, the 61 detainees that are held in detention in this town will not be airlifted.

A common sign through all the countries and towns that Hurricane Matthew has passed through is people wading through inches of water, with the water levels reaching up to the shoulders as people walk through it to get to safer grounds.

Usually, when Hurricanes turn out to be particularly destructive, their names are usually retired. Given the fatal effect that this Hurricane has had through all the countries it has gone through, it is expected that this is the last Hurricane that will ever be called Matthew.
Hurricane Matthew started off as a tropical wave off the West African coast on 22nd September, which later developed into a tropical storm as it moved westward. It then became a hurricane while it was on the west of the Leeward Islands and it strengthened to become a category 5 hurricane. By October 1st, it had weakened to a category 4 hurricane at a speed of 220kn/h but it later on gathered strength and it currently has a speed of 240km/h (by 5th October).

Which Cash Back Credit Card Offers Offer the Best Sign Up Bonuses in 2016

Consumers love credit cards, they help provide opportunities for everyday purchases to earn points and rewards. Many cash back credit cards are offering cash back sign up bonuses to attract new customers. You have to meet some requirements to claim the bonus for example spending a certain amount within a limited time frame. Usually, the sign up bonus offer also has an expiry date so you must quickly spend use your card for your shopping if you want to claim the cash back. Sign bonus allows you to get some money back while shopping with the credit card. The following are five of the best cash back sign up bonus credit cards.

1. American Express Blue Cash Preferred Card

The American Express Blue Cash Preferred Card offers a sign up bonus of $150 if you spend at least $1,000 within the 3 months period of the account opening. But, actually, the sign up bonus is only worth $75 since you have to pay a $75 annual fee. Blue Cash Preferred Card is offering a 6% cash back on supermarket purchases for the first $1,500 you spend. It offers 3% cash back when you use your card to buy gas and a 1% cash back for all other types of purchases.

2. American Express Blue Cash Everyday Card

The American Express Blue Cash Everyday Card offers a $100 cash back bonus when you spend $1,000 in the first 3 months. The card does not have any annual fee and offer 3% cash back for up to $6,000 on supermarket purchases. The 2% cash back applies when you purchase gas and shop at selected US based department stores.

3. Discover It

Discover It card is offering a cash back match program for the cash back that you have earn up until the end of the first year. The Cashback Match program is applicable to new members only. It offers 5% cash back on bonus categories for the first $1,500 you spend and 1% cash back for the rest of the purchases. Cardholders can redeem any amount of the cashback rewards whenever they want.

4. Capital One QuickSilver Cash Reward Card

Capital One QuickSilver Cash Reward credit card offers a $100 cash back bonus when you spend $500 in 3 months after you open your account. You get to earn 1.5% cash back on your purchases and there is no need to meet the rotating categories requirement. The cash back is unlimited and do not have any expiry date. It offers 0% introductory APR rate for purchases and balance transfers up until February 2017. This card does not charge the cardholder any annual fee or foreign transaction fee.

5. Chase Freedom
Chase Freedom lets you earn $150 cash back bonus when you spend $500 within a period of 3 months. Chase Freedom does not have any annual fee so you are really earning a full $150 cash back. The card awards you with 5% cash back on rotational categories and you can enjoy a 1% cash back on all other categories. The Chase Freedom is ideal for people who want to spend money on the bonus categories.

How does early detection help with the treatment of children with autism?

Nowadays, parents are generally aware of what autism is and how it detracts from an individual’s quality of life. However, many parents may not be aware of how the condition is treated. Pediatricians and psychologists stress the importance of early detection when it comes to treating autism. As with so many health and mental conditions, early detection can minimize the impact such a condition has on an individual’s life.

Early treatment for autism is aimed at increasing a child’s social and intellectual development. According to some doctors, autism symptoms can begin at as early an age as 14 months old. Signs of developing autism in young infants include not making eye contact, not developing gestures, not making noises to attract the attention of others, and not responding to cuddling and other physical contact. If a child is not responding to his or her name and engaging in “baby talk” or early attempts at talking by the age of one year old, screening for autism is important to get affected children started on an appropriate treatment regime.

Early treatment for autism can help minimize autism symptoms later in life in the following ways:

By building early social skills through forcing social interactions- A growing baby develops responses to social stimuli at an early age. Children with autism either are severely delayed in developing these responses or don’t develop them at all. Once a child’s response mechanisms for responding to stimuli are established, it can be hard to change them. Therefore, therapists need to begin conditioning children to respond normally as early as possible.

By facilitating the development of motor skills- Autism is not only manifested in delayed social skills. It is also seen in motor skill issues that can be corrected by physical therapy and other types of therapy that work to improve the child’s control of his or her body.

By engaging the child intellectually to encourage brain development- Autistic children are associated with exceptional mental abilities due to the conditions association in pop culture with the movie Rain Man. However, autistic children actually tend to perform lower than children without autism on early intelligence tests. The intellectual abilities of children whose treatment for autism begins early show that their intellectual development is less impacted and their IQs are more in line with those of normal children.

How To Reduce Your Credit Card Debts By Locking In Zero Percent Promotional Rates

Most of the people know how to manage credit card debt. What most don’t know in any case, is the way to manage a debt balance reduction

capitalone

One way to paying off credit card debts is with a 0% APR balance transfer credit card account. While debt may not generally be great, credit does not as a matter of course must be bad. The key is the way you use it. So we should investigate how using credit astutely can offer you some assistance with being effective in credit card debt reduction.

Making a Zero Percent APR Balance Transfer Help You

First step is to open another credit card account that takes into account transferring a balance with no interest fees on that balance for an expanded period of time. Numerous offers range from six months to over a year.

High interest rates frequently go with the job while carrying a balance, which makes decreasing credit card debt significantly harder. Then again, when a balance from a high-rate credit card is transferd to an introductory 0% APR card, it gives all the more breathing space to pay debt down all the more rapidly while saving money on regular interest rate charges, which are incidentally put on hold. The objective now is to pay off however much of the debt as could reasonably be expected before the no interest fee period closes and 0% APR is supplanted with a higher rate.


A 0% APR Account Can Still Cost You

It is common for credit card issuers to charge a 3 to 5% balance transfer fee on the amount transferd. That charge is frequently attached onto the balance and not qualified for 0% APR. Despite the fact that the fee is not exactly the rates on unpaid balances, make certain to think about (and see) all costs included with balance transfers before making the move.

While 0% APR might apply to the balance transfer amount, be careful with making purchases with the new card. That 0% APR won’t apply to them, however standard interest rate fees can be charged and add to your debt. Since the goal is debt reduction, keep concentrate on saving and paying off, not purchasing and piling on more unpaid liability.

Stick to a Balance Transfer Payment Plan

By carrying balances on higher interest rate cards to zero percent (0%) APR credit cards will just work with a proactive commitment to diminishing debt as fast as could reasonably be expected. Adhere to this arrangement to make the majority of the transfer:

• Pay the maximum amount you can each month.
• First, focus on paying off the zero percent (0%) APR balance transfer payments and abstain from including new interest debt collection new purchases.
• Eliminate the whole 0% APR balance transfer amount before the end of the introductory period. Having questions? Review additional articles on credit card promotions or set up a meeting with a financial advisor for more debt reduction tips.
• Keep your old credit card accounts dynamic — simply abstain from running up new unpaid month to month balances.

In the event that you are prepared to save on interest payments and reduce credit card debt, a zero percent promotional rates might be well worth considering.

Save Money With Some Great Balance Transfer Promotion Offers In 2016

If you are considering a balance transfer in 2016, there are a few things to be aware of, especially if you have never done a balance transfer before. There is no shortage of balance transfer cards on the market today. They flood your email inbox and perhaps even your mailbox. A simple Google search for “0% interest intro credit card offers will produce pages of results. Yet not every offer is a good offer. Consider the fact that most credit card companies will charge you anywhere from 3% to 5% just to transfer your balance in whats known as a balance transfer fee. Yet there are offers out there that do not have this fee attached to it. These credit cards are known as zero percent balance transfer promotions. Yet this alone is not enough, you should also find offers that offer a intro 0% promotional interest rate for a period time, where you pay no interest rates on any balance transferred to your new credit card. In order to better help our readers, we have compiled from the credit card comparison website bestcreditcards.co a list of the best zero percent balance transfer promotions that also offer a intro 0% promotional interest rate.

If the cards below do not have a high enough credit limit for you to transfer your entire credit card balance, that does not mean you should give up. Instead you could apply for more than one credit card, until you have the entire amount transferred. You could also transfer as much as you can interest free, and pay off the remaining balance over time.


Chase Slate

Being one of the nations largest banks, it should come as no surprise that one of this banks credit cards makes the top of our list. This credit card has zero interest, and no balance transfer fee, provided that you transfer any balances over to the Chase Slate card with in 60 days of opening the account. After your 15 months 0% introductory APR on purchases and balance transfers, your interest rates will range from 12.99% to 22.99%. This credit card features no annual fee, providing you with even more savings. Another benefit of this credit card is that it provides you with your monthly FICO score every month. No annual fee.


Alliant Credit Union Credit Card

Unlike most credit unions, you do not need to be a member of this credit union to qualify for a credit card. Simply click the “not a member” link when you fill out your credit application. If approved for a credit card, you will be automatically added to the credit union as a member. Easy to apply, friendly staff, this credit card might change your perception of credit unions. They offer a 0% intro APR for 12 months as well as no balance transfer fee. This credit union tends to give very fair credit limits. This card has no annual fee.

Capital One QuickSilver ONE
This credit card offers you both 0% intro APR on purchases and balance transfers until September 2016. This credit card company works with those who have less than perfect credit, but if you fall into this category you may find that your credit limit will be rather low. If your credit limit is low, worry not, after 5 months of on time payments you qualify for a higher credit limit. They also offer customers some rewards, where you earn unlimited 1.5% cash back on every purchase, with no caps or limits involved. Your rewards also never expire, and you can keep racking them up, to redeem at any time, for any amount that you have available. There is one downside, albeit a small one to this card, and that is the $39 annual fee.

Regular roof maintenance is crucial to longevity of your roof

Regular maintenance and ongoing care is crucial to the longevity of your roof. Failing to properly maintain your commercial or residential roof is a sure recipe for disaster. Knowing the condition of the roof and making prompt repairs can potentially save you a great deal of money in the long run. Homeowners and business owners should diligently look for signs of problems before a potentially small problem becomes a disastrous situation.

Roofing
What is my role in roofing maintenance?
Keeping gutters and downspouts free of debris is essential to maintaining your roof. The Insurance Institute for Business & Home Safety explains that while a roof is your “first line of defense from natural hazards such as wind, rain, fire, hail, ice, snow, and extreme heat,” the roof is also the most vulnerable part of any building.

You do not have to be a professional roofing contractor to look for basic problems such as signs of leaks. Look around the rooms inside your home or commercial building. Water stains or cracks in the ceiling are a sign of a leaky roof. The BBB points out that roof leaks can start out from a variety of causes. It is imperative for you to act quickly to repair a leaky roof before more serious damage occurs, such as “structural damage to the walls, floors and roof” if you fail to get repairs at the first sign of a leaky roof.
After any severe weather, inspect your roof, even if there may not initially seem to be any damage. Look for loose or missing shingles, downed tree limbs, accumulation of debris or other materials on the roof. Remove debris, replace damaged shingles and repair other damaged areas immediately. Remove as much snow as possible to prevent ice dams from occurring. Anything with the potential to hold moisture can damage your roof. Do not remove already-formed ice, as this may cause damage.

How do I find a reliable roofing contractor?
If you do not feel comfortable maintaining or inspecting your roof, hire a reputable roofing contractor. A licensed contractor with a strong reputation in your community can help you maintain your residential or commercial roof as well as make repairs. Never let a door-to-door roofing contractor do the work. Roofing scams are on the rise. An example is the eight roofers who committed scams in 11 states, defrauding homeowners out of millions of dollars, according to court records. Check reputation and references before hiring any roofing contractor to inspect, maintain or repair the roof of your home or business.

SOURCES Used: https://disastersafety.org/ibhs-news-releases/protection-from-the-top-the-importance-of-commercial-roof-cover-maintenance-and-repair-3/
http://www.angieslist.com/articles/leaky-roofs-cause-major-problems-inside-homes.htm
http://www.angieslist.com/articles/roofers-accused-scams-11-states-await-trial-florida.htm

Why every do it yourself business owner needs to understand Google keyword planner to be successful with online marketing

In order to be successful with any online marketing campaign for your business, you need to start with keyword research. Your goal is to understand your target market, the competitiveness of your space, and the search volume of keywords. Once this information is revealed, you can begin executing a plan for your marketing strategy. But how does one go about researching to reveal this type of information? We spoke with Jon from High Level Marketing, a design firm that specializes in helping business owners get found on Google through digital marketing services to get some tips and advice on establishing the right keywords and understanding marketing budgets.

Google Keyword Planner. For any do-it-yourself business owner running their own PPC campaign, Google Keyword Planner is an easy and effective research tool that is heavily focused on PPC campaigns. By using this tool, you will be able to better understand your target market, competitors, and your search volume of keywords.

Google Keyword Planner provides robust filtering capabilities, so you can be extremely picky about your keywords. You can filter your keywords based on average CPC (cost per click), estimated search volume, and keyword competition; all of which allow you to view your campaign on a more hyper-local basis. This tool also divides keywords up into suggested ad groups, which is designed to be a PPC focused feature.

With this tool, it is important to have clear understanding about where you fit in the market first. You can use this tool to set up various targeting options where you can specify country(s), language(s), as well as certain keywords you do not want to include in your search terms, called “negative” keywords. This allows you to filter out anything that could steer you away from your target market, something no business owner wants to do.

How difficult is it already to come up with unique and adequate keywords to combine a list? Google Keyword planner now has a unique feature that allows you to multiple by 2 (or even more) keyword lists, which results a in a brand new and unique keyword combinations. A/B testing can be time consuming, but this tool could be helpful in discovering and creating new test keywords.

In order to be successful with any online marketing campaign for your business, you need to start with keyword research. Again, your goal is to understand your target market, the competitiveness of your space, and the search volume of keywords.

Let’s face it, any do-it-yourself business owner has a lot more on their plate than making it a priority to set aside a separate time to search for keywords for their PPC campaign. Researching keywords and crafting a suitable online marketing strategy is not an easy task, nor is it quick. It requires a deep and careful analysis of your target market, but that’s exactly what Google Keyword Planner is there for – to do the research for you.