Archive for the ‘Legal’ Category

What is fraud? Are there many types of fraud? What can I do to prevent fraud? What can I do is I fall victim to fraud?

Do you find yourself asking these questions? I know I did. So I decided to do some research and share what I have learned. According to our online dictionary pal, Merriam-Webster, fraud is an act of deceiving or misrepresenting. Basically, it is when trickery is used to gain a dishonest advantage, which is often financial, over another person. I learned that there are many words that experts use to explain fraud: Scam, con, swindle, extortion, sham, double-cross, hoax, cheat, ploy, ruse, hoodwink, confidence trick. Remember, that fraud is something that can be done against individuals but also businesses.

To my surprise, I found out that there are many different types of fraud that one can be subjected to. The many types of fraud there are is:

1. Identity Fraud and Identity Theft
2. Online fraud
3. Individual fraud
4. New Accounts Fraud
5. Utilities Fraud
6. Check Fraud
7. Corporate Fraud
8. Advance Fee Fraud

Any type of fraud, most importantly identity theft, can be an easy problem to ignore—until you experience it yourself. With more ways for criminals to obtain your personal information online—and more complex ways to cover their tracks—it’s more important than ever to protect yourself and your assets. I found that having a complete comprehensive protective plan against these types of actions is the best way to help prevent fraud and most importantly help you if you fall victim to it.

IDShield is the only identity theft protection company armed with a team of dedicated licensed private investigators to restore your identity should it ever become compromised.

Not all thieves need to break a window or pick a lock. In fact, all they need is for someone to click a link in an email or enter their credit card number. From there, identity fraud allows criminals to impersonate their victims to carry out a number of other crimes. Millions of people experience identity theft every year—but it only takes a few steps to protect yourself.

Get yourself and your family protected today.

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I know that both sound the same, Mortgage Protection and Private Mortgage Insurance (PMI), but please be advised that they are actually very different from each other.  Knowing this little piece of information can be what could save your family from losing their home.

Private Mortgage Insurance (PMI) is a risk-management product that protects lenders against loss if a borrower defaults. Most lenders require PMI for loans with loan-to-value (LTV) percentages in excess of 80% (the buyer put down less than 20% of the home’s value upon purchase).[1]  Basically, PMI is an insurance required by your lender when you take out a mortgage.  You probably don’t recall signing agreeing to it when you did your closing, but it was there.  What is important to know about this is that this insurance protects the bank, not you, in case you can’t make your mortgage payments.  Therefore, PMI will not protect your family from losing their home because the payments can no longer be made.

Mortgage Protection Insurance can protect your loan in case of an unexpected tragedy.  It is a policy that you would purchase from an insurance agent.  Without a Plan, your family would still have to make the monthly mortgage payments. This way, your family won’t lose their home at a time when things are already emotionally difficult due to incidents such as death, disability or even a critical illness.  Depending on your eligibility, your plan benefits may include:

 

  • Death – Designed to pay off your mortgage or equity loan in the event of your death.
  • Disability – Can make your mortgage payments if you cannot work due to an illness or injury.
  • Level Premium – Premium payments that remain level and do not increase.
  • Return of Premium – Can return all of your premiums if benefits are not used.

Many families are forced to have PMI protection, and believe that it will protect them from losing their home, but in reality it only protects the bank. This leaves many families homeless when one of the main income earners passes away.

If you’d like to protect your family and their home with mortgage protection insurance, we’ve got good news – it’s affordable and we can help! Just click here and fill out the form.

[1] Investopedia. (n.d.). Private Mortgage Insurance – PMI Definition | Investopedia. Retrieved from Private Mortgage Insurance – PMI: http://www.investopedia.com/terms/p/privatemortgageinsurance.asp

 

With crime being more present than ever these days, it always pays off to protect yourself. Although there are police officers and others out there who uphold the law, you never know when something may happen and they aren’t around. To protect yourself, there are several products and forms of protection that you can get. Among the may products available to you, is something known as ​pepper spray – which is one of the most common forms of self protection.

Personal protection products such as ​pepper spray, will work a lot better and yield the most power when you have full belief in yourself. When you have belief in yourself, you will trust your senses, pay attention to what is going on around you, believe in your naturally ability to defend yourself, and show people that you can defend yourself. Although personal protection products are great to have, you need to believe in yourself in order to use them properly.

Protecting yourself is something you simply must do these days. Over the years, personal protection products have become a way of life, with ​pepper spray being among the most popular and best forms of protection. When used properly, ​pepper spray can stop humans from attacking quickly and safely. It’s also useful with dogs as well. It comes in an aerosol form, is easy to use, and can stop most attackers in a matter of seconds.

The active ingredient found in ​pepper spray is OC (Oleoresin Capsicum). The spray comes in 10% or 15%, with a heat rating of 2 million. OC is non toxic, non flammable, and comes from the well known cayenne peppers. When used as a spray, OC acts as an inflammatory agent, causing immediate dilation of the nose, throat, lungs, and eyes – resulting in constricted breathing and temporary blindness. Although it doesn’t lead to death, the effects will last up to 45 minutes, and make attackers feel as if they are dying. The effects will take place immediately, giving victims plenty of time to escape and seek help.

The use of ​pepper spray is completely legal, although there are certain rules and restrictions that you must follow. As you may already know, you can’t carry ​pepper spray or any other form of self defense on airplanes. There are also some states that will prevent the use of ​pepper spray, while others require that you have a FID (Firearms Identification Card) to own or use the spray. To be on the safe side, you should always check with local state ​regulations before you purchase any form of self defense product, such as ​pepper spray.

When you are out and about, pepper spray is easy to hide. Women normally keep it in their purse, where it is easy to access. If you plan to carry it in your purse, always make sure that it is easy to access, with nothing in the way. You can also carry it in your pocket or in your coat as well, where you can easily reach it in a moment’s notice. An attack can occur in a matter of seconds – which is why you want to be able to reach it fast.

All in all, ​pepper spray is a great self defense tool. It can also be a deadly weapon if it isn’t used properly. Whenever you carry ​pepper spray, you should always follow the safety precautions and rules of the spray. If you use it for self defense purposes and know how to properly use it – you can enjoy the confidence and security that it provides.

Background Check: Discovering a Person’s True Identity

Posted: May 14, 2015 in Legal
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How well do you know the people around you? Don’t take any unnecessary chances make sure you and your loved ones are protected by investigating just about anyone. Background investigation is the only true way to get to know people and find out the things they may not want you to know. Uncover whatever skeletons a person may be hiding in their closet with a simple online background check.

Types of Background Searches

Most people would instantly assume checking a person’s background is mainly concerned about criminal records. In reality, however, while criminal background check is common, there are also other types of investigations with the goal of probing individuals. For instance, it can be in the form of checking marriage and divorce records, which is important to make sure your partner is indeed single and legally allowed to marry you. It can also include examination of birth records, such as full name and place of birth. Any court records and warrants served in the past will also be reflected upon conducting a personal background check.

Who Will Benefit?

With a background check, you can ensure that you do not marry a person who is already married to several people. This is important so that you avoid any future inconveniences when the other partners would want their spouse back. In addition, this can also help you start your family knowing that there are no external problems that will hinder your relationship.

You may also run a background check on yourself to locate any possible criminal offenses associated with your name. This is quite important to avoid such a negative history from having an effect on your future. If you have done some wrongs in your past, then the background check can help give you the impetus you need to change your life.

If you are on the lookout for the best provider of detailed background searches, We are an option you will surely not regret. With millions of satisfied customers in the past, you surely have sufficient reason to choose us above others. Through our website, you will have access to tons of personal records to be provided with the background information you need. Our services are simple and cost effective, instant and accurate, and ever-evolving to update the information we have in our database.

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chooseThroughout the course of your legal problems, you will have to make some tough decisions – If you were involved in an accident then you have to choose between bringing criminal damages or press with a plaintiff case, if you have a small business and you were involved in a deal, then you have to decide whether to sign it or let it pass. There is no clear-cut answer in
many of these dilemmas, and getting the right lawyer is crucial to you. We examine the perks of choosing a lawyer in a legal plan as opposed to hiring your own lawyer, and some simple steps you can take to choose a good attorney.

The number one criterion has to do with a lawyer’s legal ability: someone who lays the law down for you, present you with options, explain the ramifications of each decision you make and give you recommendations on the best course of action. In this day and age of complicated legal matters, many lawyers are increasingly specialized and you stand to get better information from someone with a practice focus in a particular area of the law than a generalist who deals with a broad spectrum of legal issues.
Building rapport is also very important: your relationship with your lawyer can make or break your case. You need a lawyer who gives you candid advice and council you can trust, someone with enough perspective to step back from an issue and look at it from all perspectives.

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Client-lawyer relationships are very limited within a  legal plan. Because of “preventive” nature of most plans, your contact with your lawyer will be limited on many occasions. You seldom get to talk to your lawyer face-to-face – as most of the consultation is done over the phone – and even when you get to talk to them, it’s difficult to build rapport when your office consultations are limited to a dozen hours a year.

The good news, however, is you still have some options left. When you sign up for a legal plan, you get to choose your lawyer and there is a number of steps you can take to increase the likelihood of getting a good lawyer. First, you need to ask for referrals from previous clients. Ask around about good attorneys in the network. Once you get a few names, check their educational background, their qualifications and their professional track record with your state’s bar association. After you receive your referrals, don’t shy away from setting up interviews with attorneys in the network. Most don’t mind receiving inquiries about what they do and how able there are.  Ask tough questions: How long have they been in practice? How satisfied are their previous clients? How many legal problems of interest to you have they taken recently?