Identity Theft Protection Services You Can’t Live Without

The recent epidemic of computer hacking and security breaches has raised awareness about credit and identity-theft protection services. One company, IdentityHawk, uncovers threats to your identity to help stop fraud before it happens. And now, they are offering a free 30-day trial.

While the market is flooded with countless of identity theft protection services, a few unique features offered by IdentityHawk piqued our interest. The first is its Identity Health Score service, which makes it possible for consumers to measure their risk level of identity theft and pinpoint weak spots. Most services inform consumers of an identity theft or security breach after they’ve become a victim. However, IdentityHawk’s unique service provides a clear picture of where your identity is at risk and how it might be used without your knowledge. What’s more, it identifies suspicious activity across the Internet and alerts you before criminals commit the crime.

In addition to the Identity Health Score service, we were impressed by the free 30-day trial. Just for sampling IdentityHawk, users receive the most complete, 24/7 identity theft protection and credit monitoring software, including three free credit scores, email and text alerts, $1 million identity theft insurance, and access to identity recovery experts. Most importantly, with IdentityHawk, consumers gain peace of mind.

Beginning Your Financial History

A solid financial history is essential, but it also takes time to build it. The long-term trajectory of your life, in terms of money matters, will be a decisive factor when it comes time to applying for credit. That’s why it makes great money-sense to keep a close eye on your credit score.

Because minors are not held responsible to contracts, most people gain admittance into the institution of credit upon turning eighteen. Usually it’s while in college that people apply for a first credit card. It’s been estimated that about eighty percent of college students carry at least one credit card, in their name, in their backpacks.

If you’re about to begin building your credit history, it might be to your benefit to have started out honing your money management skills with a debit card. Although credit card companies are especially welcoming to college students, there might be reasons for why they might be reluctant to extend credit to you. This not a reason to despair, and there are alternatives for establishing your creditworthiness. For example, you can take out a department store charge card or secured credit card. Just make sure the lender reports your payments to the credit bureaus. Then, manage your account(s) with diligence and check your credit report and score periodically. You can even look online to check for a free credit score offer. By keeping good tabs on these accounts, mainstream credit will not be far away.

Forex Trading: Practice Makes Perfect

Forex trading is not easy. Whether you’re a broker or an investor, it takes time to learn the tricks and trades of the foreign exchange market. But how does one learn how to read forex charts and gain experience without the financial risk? If you’re new to the market and want to learn forex within a safe and controlled environment, open a practice forex trading account.

A practice forex trading account is a practical way to gain hands-on experience in the foreign exchange market without risking any real money. When you practice forex online as a beginner, you will have the chance to learn the basics of forex trading through a wide variety of tools for beginners, including graphic trade visualizations, user-friendly interfaces, and live market rates. Many practice accounts come with free online training courses, including video tutorials and educational forums about forex trading systems.

After you have mastered the basics, you can begin to test your knowledge and strategies in the real market. Most demo users receive the same quotes and charting as live traders but without the market exposure.  Demo accounts feature technical analysis tools and allow you practice at your own pace and continue practicing until you completely understand the market.

HOW TO MAKE GOOD IVESTMENTS

We all want to get the best return from our investments. But you need to spend considerable time to decide which the best option for you is and unknowingly make many mistakes. These are some facts to consider before making an investment.

1. Diversify your investments
Do not invest all your money in one place; expand your portfolio to include stocks, real estate, mutual funds and bonds. By doing this you are not risking your entire investment.

2. Avoid borrowing money to invest. If the investment fails you will end up with a debt which will affect your credit score.

3. Have a strategy. Know what you want to invest in and for how long. Follow the markets carefully and make your move. Do not wait for the market to reach the highest (in the case of selling) or lowest point in the case of buying. Do the transaction before it reaches that point. By waiting too long you might lose the opportunity if the momentum shifts.

4. Seek professional advice unless you have plenty of experience. It may cost money but will make you more in the long run.

5. Educate yourself about making investments.

Simple Steps to Learning Forex Trading

Are you interested in Forex trading?

While it’s common knowledge that the Forex market is a complex one, learning how to trade successfully can be as easy as following certain rules that will help you to trade on impulse, but also make well-informed decisions.

Here are a few simple steps that will help you get you started as a trader in the Forex market:

#1: Gaining a comprehensive knowledge of the Forex market

Most experts recommend that you gain a deeper knowledge of the market before you begin to invest, as you can make several mistakes initially. Most trading software (for example, the eToro Forex software) will not only educate you in important aspects related to the Forex market, but they also allow you to practice using a demo account.

#2: Creating a trading strategy

Staying in touch with other traders and getting yourself a mentor, while staying up with the latest trends in the market, are excellent ways to strategize your next move. The internet has become one of the most important tools to use if you want to learn more about tricks and tips that you can use in order to be profitable in the market.

#3: Invest your money wisely

Please remember that investing in the Forex market is anything but a gamble. Don’t spend more than you can afford, and what you do spend has to be money that you have put aside as savings. Trading on impulse will mean that you affect your own financial security in the rush to be profitable in the Forex market. Most importantly, if you trade with a reputed broker (such as Finexo), you will understand that the secret to the market is about making small, but steady, profits.

Is it Possible to Get an Unsecured Credit Card With Bad Credit?

 Bad credit is often associated with the ‘domino effect’, which affects an individual’s ability to obtain loans and credit cards (especially during these economic times), and even if they do, the interest rates involved are astronomical.

As discouraging as this will sound, the first thing for you to do is to build your credit score, and keep track of the improvements involved.

The truth is that if you are looking for an unsecured credit card, despite having bad or no credit, it will be tough to obtain one, as most banks consider your application to be one of risk. What they’re interested in is whether or not you will be able to pay back what you have borrowed, and with their underwriters checking the background of every application, you will soon find out how difficult it is.

Yet there’s hope in the form of finding lenders that don’t operate the way traditional banks do, and are willing to work with you in order to get anything from unsecured credit cards to bad credit auto loans. What you have to accept is the fact that you will be charged a higher rate of interest due to having a bad credit score.

Most of these lenders and their offers can be found in the form of online credit cards at various websites over the internet. Each of them come with rewards, but what you should be mindful of is not only the APR charged on these cards, but also late payment, yearly, and hidden fees. This should give you a good idea as to whether applying for this card will be a good idea or not.

While most experts consider it to be better to work on building your credit score, you can find options of credit cards that should be able to help make ends meet during difficult times.