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10 useful Safe banking and financial practices Tips   by Don OConnell

To stay safe from identity theft, always seek safe banking and
financial methods:


1) Keep account numbers and PIN numbers safe. Cover your account
and PIN numbers when using debit at the store and decline to give
your PIN number to anyone. Refrain from writing down your PIN and
account numbers - you never know when this information could fall
into the wrong hands.


2) Only do business with businesses you trust.


3)If you get applications for credit cards in the mail that are
“pre-approved” rip up the applications and enclosed
letters before getting rid of them. No, this is not paranoid.
Identity thieves sometimes go through rubbish in order to find these
forms so that they can fill them out and steal your identity.


4) If you use a computer, install good firewall and antivirus
protection system and update it regularly. Better yet, take a course
in safe computing at your local college or community center. You will
learn many good tips for keeping all your information safe while you
are online.


5) Never purchase anything online from a company you do not trust
of from a company that does not have encryption technology and a good
privacy policy.


6) Even with all computer safety measures, avoid giving private
information via email or your computer. Be especially cautious if you
get an email from your bank asking you to verify your information by
clicking on a link - this is a favorite scam that comes not from your
bank but from criminals pretending to be your bank. Ignore the email
and contact your bank about the message.


7) Be wary of unsolicited emails, phone calls, or mail
advertisements. Most are from authentic companies but there are
companies who pledge you a credit card over the telephone only to
charge your current credit card without sending you anything.


Likewise, letters will sometimes promise you particular items or
services. Once you send in your credit card information (usually to a
post office box) you hear no more from the company. If you need or
want to buy something from a company, be sure to check the company’s
standing with the Better Business Bureau first.


Send a money order rather than a check (which had your account
number) or your credit card information. If you do use a credit card,
report any abnormal fees or any payments you made for a product that
did not arrive to the credit card company.


In some cases, they can stop payment or refund your money as well
as take steps to keep your credit card number secure.


8) Be careful of offers that seem too good to be true. If you get
an offer for a ten million dollar check - for which you need to put
down $5000 as a “sign in good faith”...if you get an
offer for a free state-of-the art computer - if only you provide your
account information... take a deep breath and consider, before
sending in your money and your information.


Offers that are too good to be true always are. Scam artists often
rely on your belief in others and your trust to make money. They
depend on the fact that you will be so excited about a product or
service that you will throw good judgment out the window. Prove them
wrong.


When faced with an offer that seems too good to be true, do some
research on the web, through the Better Business Bureau, or ask the
person making the offer some questions. Never take someone up on an
offer that you have been given unsolicited unless the company and the
offer both check out.


9) Read the fine print. Some services or companies will have tiny
print in their contract or agreement that allows them to charge you
extra hidden fees or that allows them to retract certain offers. If
you get an offer through email or the mail, make it a habit to read
the fine print.


10) Be alert for a sudden interruption in your mail service. If
you do not get mail for some time, contact your post office and ask
if your address was newly submitted for a “change of address”
service. It sounds weird, but it’s true.


One way that criminals defraud identities is to change your
address at the local post office. They re-route your mail to a post
office box number and steal your mail looking for personal
information such as bank statements, pre-approved credit card
applications, and other parts of mail they can use to steal your
identity.


They use this information to pose as you with lenders and run up
big charges in your name. Simply keeping an eye out on your mail can
help you keep your credit score secure.


For more help on dealing with the present global recession and
saving money, check out the following url, Great Deal, enjoy :)


http://www.plrmember.com/re/re65.php


About the Author

I have been working online now for about 15 years. Enjoy all types of marketing online. Have useful skills in web development and at the moment, particularly interested in membership website management. Visit plrmember.com for more details and become a PLR Ace. Enjoy my articles. Have a good Read and stay in the Lead, cheers Don :)

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