Advice

Financial and Identity Security Tips When using a Public Computer

If you’re going to be away from home, you may find yourself using the Internet on a public computer, such as one at a hotel or Internet cafe. While public computers are a good way to stay in touch while on the road, it is not recommended that you use them for any activities involving sensitive financial information, such as logging into your online banking or making a purchase at an e-commerce site. This is because you never know whether they could be infected with malware that could steal your information. A better idea would be to get a laptop from a company that offers a laptop rental Santa Ana.

Nonetheless, if you have to use a public computer for these tasks, there are a few security tips that you can follow. Experts at businesses that offer computer rental Anaheim recommend that you use the two-factor authentication feature if it’s offered by your online banking provider. This sends you an email or a text message that you can check on your phone with a code that you must input before you can log in. Make sure that you log out of any websites after you’re done. If you make any online purchases, keep an eye on your credit card statement for any suspicious transactions.

If you travel often, you can consider using a business that provides computer rental Orange County to rent a laptop that you can take with you. This offers you much better security than using a public computer.
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OCComputerRentals offers a computer rental in Anaheim to students and workers looking for a technology upgrade at an affordable price.

How to Address a Foreclosure

If you’ve ever been on the receiving side of a delinquent notice, you know the overwhelming feeling to shut down and ignore the world around you. Inability to make one’s bills is one of the most difficult side-effects of this downswing in the economy. The reality is that job loss and wage stagnation is occurring across the board, so know that you’re not alone!

The problem isn’t going to go away on its own, but that shouldn’t invalidate your years of hard work. Facing the reality of foreclosure is unimaginable, but you can begin to think clearly about your situation once you’ve gotten over your initial shock. The first thing you need to do is read the foreclosure notice in its entirety.

State Foreclosure Laws

Your next step is to research the laws in your state, to see what legal protections you have during this process. In Michigan, for instance, lenders must contact home owners regarding their delinquent payments at least 3 times before they are 90 days late. Where many people goof is by ignoring these notices and phone calls. Try to remember that this problem won’t go away, and realize that your lender often doesn’t want you in default.

A default for your lender would mean property on its books, which amounts to a loss. If you act early, you can try to negotiate your way out of the problem, and arrange for a payment plan to get caught up. The flip side is that not every lender is accommodating to your situation.

When Foreclosure is In-Process

If the process has already started, contact your lender to see what can be done to save the home or your credit. Lenders may be open to short sales so that they take a smaller loss. This leaves you free to walk away from the foreclosure and into something else without the ding to your credit.

 

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A Stitch in Time…Avoding Bad Credit

Bad credit is not something you think about until the time comes for you to take a loan. So before you get to the point where loans are refused to you on those grounds, take some steps to avoid that situation.

Check your credit report. This can help you avoid trouble in several ways. More often than not, you are likely to find inaccurate information in the report. At this point you should immediately file a dispute with the credit bureaus and the creditors. Doing this before you apply for a loan or a credit card will save you a lot of trouble.

But what if the data is not wrong? There is a positive side to this as well. Now you know exactly how much you owe and to whom. The next step here is to talk to your creditors. By explaining to them as to why you are unable to pay them, you can negotiate a new payment plan or even a lump sum payment. Don’t be afraid of doing this as it is in your best interests. Do not resort to debt settlement companies. The benefit you gain from them is soon lost as you start to realize the long term impact on your finances when you use one.

Try to make your payments on time; this is one of the best ways to keep your credit score in good stead. But the best advice of all is, don’t buy what you can’t afford. If you follow that piece of advice, your chances of getting into monetary trouble drop drastically.

Bad Credit Cards and Their Usefulness

If you have poor credit history, then you have no choice but to resort to a Bad credit card. Unfortunately this is a, minefield in terms of financial safety, to get into.

Bad credit card companies are notorious for their high and quite often unfair interest rates. They have very low standards when it comes to valuing your credit rating. This makes it easy for anyone to get a credit card from them. However, when you have a need to resort to one of these companies, don’t choose one on a whim. You need to do extensive research before you take a decision.

Every credit card has its own peculiar set of rules and regulations. You need to understand everything that is stated in the terms and conditions. This is because they can offer you low interest rates and then catch you out with hidden charges and a whole load of restrictions. You also need to check on other fees like over-the-limit fee, late penalty fee, annual fee, etc. One more thing to keep in mind is that the interest rate is usually based on the Prime Rate, which can change abruptly.

But the silver lining here is that by choosing a Bad credit card company that reports to the three major credit bureaus, you have a good chance of improving your credit status. Assuming you make payment promptly, these payments will be reported to the bureaus. Thus your credit rating improves.