I’d like to share with you this interesting infographic from snhu.edu about college and the cost of education. Hope you find it helpful and informative, especially if you’re thinking of availing some financial aid in your college education.
Are you trying to purchase or refinance your home? If you are actively serving the military, a reservist or a retired veteran, you should try to see if you’re eligible for a VA loan.
VA loan is one of the earned benefits of those who served in the military. By this loan, you can finance 100 percent of the purchase price of a home – which means that there will be no down payments and no private mortgage insurance. Plus, you also get competitive interest rates!
You can apply for a VA loan with any mortgage lender that participates in the VA home loan program. At some point, you will need to get a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan. You can get this form by completing a VA Form 26-1880 (Request for a Certificate of Eligibility) or have the lender get this certificate for you thru the Web LGY system.
If you want to see what the current veteran loan rates are, you can browse online for websites or companies that offer VA loans and refinancing to its clients. You can also learn more about this program by going directly to VA.gov.
As technology evolves, so has the means of unscrupulous individuals in targeting their preys.
Internet technology has made it easier for everyone to share information. Things that took some people days, weeks and months to research a few decades back can now be accessed in just a few seconds online. Although the internet had provided some advantages such as the ease in access of information and faster mode of communication (like email, chat, etc.), it also gave individuals the opportunity to commit identity theft and identity fraud easily.
People can get important and sensitive information from almost any imaginable means. Although some of these information can be obtained from your wallet (like your ID cards), mails (like bank statements) and trash (especially if you don’t use a shredder), the internet has opened a lot of options for acquiring information from you too like in phishing, hacking and unsecured connections.
Who can protect your identity?
There’s a site called IdentityHawk that offers a comprehensive identity theft solution for those looking for identity theft protection. Among the benefits offered by IdentityHawk are social security number protection, identity health score, $1 million identity theft insurance, comprehensive alerts, 24/7 identity security scanning, identity recovery experts and credit scores and monitoring.
You can visit their site to learn more about them and how you can take proactive steps to reduce your risks of identity theft and fraud.
You maybe earning for yourself today; for you and your spouse and your children tomorrow. Sometime in the future, you may need to buy, if you haven’t one yet, a house, a car or go into a business. You may have cash but not enough to purchase a property or open a what-a-sporty world store. Where does that leave you in this government of laws? Do you have an option?
Taking out a credit card is an option but before you jump on the issue, take a ride to see the view ahead by signing in a credit counseling course.
In the course, the credit counselor teaches attendees the nature of credit, the criteria for evaluation of credit card, collection practices and laws on credit practices. Attendees could air their view, doubts or problems on certain matters.
The counselor carefully and expertly handles each issue presented. A would-be debtor comes out of the session feeling fully armed to tackle the bumps along the way to be taken.
Risk taking in a business may have produced millionaires but for a prudent person, taking the course from certified credit counselors will also leave him to the path where the green bucks are.
The weekly blogging meme with a twist is back. Join week 23 of the Techie She Weekly Giveaways now and get a chance to win paypal credits this week.
You can view the complete details here: Week 23 of Techie She Weekly Giveaways
In my post about the Six Ways to Earn Online Through Blogging, I mentioned about writing paid reviews or posts as a way to earn from your blog.
One of the sites where I am a member of (and personally earning from) is Blog To Profit. This site connects you with advertisers that are interested in sponsoring your blog. When you receive an offer, you should write according to the instructions given to you and when your post gets approved, you will get paid via Paypal.
It is important that your blog is at least 2 months old with original, quality content and updated at least twice per week in order to qualify. Only approved bloggers are notified and those who are not qualified can re-apply after two months.
You can visit Blog To Profit now to learn more about them. If you plan to register or sign-up, I hope that you could mention me (using my email address sheryl @ georyl.com as the referrer.
Work at Home Wife and Mother is one of the sponsors in today’s Hump Day Giveaway. Hope you can join and use GEORYL as referrer. Thanks!
Thanks to the 26 wonderful bloggers listed below, it’s time for Hump Day $50 Giveaway once again. This week is all about Facebook Page likes which is super easy to do. Feel free to visit all the wonderful blogs below once you’re done entering the giveaway. You can log on to Rafflecopter via your Facebook account, or your name and email (just make sure you’re Facebook is opened so you can easily like the pages).
Once you’ve liked the page (Like button turns gray), leave your Facebook Profile Name (not a Business/Blog Page) on the space provided after doing the task so we can verify your entry.
For some people who live on paycheck to paycheck monthly, getting a life insurance is not really a priority. Others even avoid the discussion about death totally thinking that it’s a morbid topic. We must understand, however, that death is one of the things that’s certain in life and having a life insurance is a way to prepare for our loved ones future.
Life insurance can provide income replacement so that the surviving party will not be financially crippled in the event of death. Also, life insurance can also serve as some sort of mortgage protection especially if the dependents depend on the insured’s income to pay for a mortgage. They can use the life insurance benefits to pay for the mortgage and not end up being homeless. In addition, life insurance can make sure that a person’s loved ones will not be burdened with all those funeral expenses, burial costs and medical bills after he or she pass away.
There are lots of insurance companies that offer life insurance. If you check out life insurance quotes from websites such as Advantage One that allow consumers to shop from up to 120 companies online, you might be able to find a life insurance term that fits your lifestyle and budget.
You should get a life insurance. Now, my question is, “will you?”
Cash, checks, debit cards and credits cards are the popular modes of payments used today. While the first three modes of payment have their own merits and disadvantages, let me share with you why a credit card is the best way to pay for your online purchases.
Credit card offers dispute rights. You are less vulnerable when you use a credit card online because you can easily dispute a charge for something that you haven’t bought, an undelivered product or other reasons allowed by your card issuer. When you pay by cash or check, it’s usually hard to recover your money once its already in the hands of others.
Online merchants use credit card processing services that makes it easier to pay for something that you purchased. Supplying the details that they need for online verification is like swiping your card in the POS systems of the merchants, you can already proceed with the check out process. When you pay by cash or check, you usually have to find a way to deliver your payment either in person, through mail or by other means – plus, they can get lost.
Credit card companies often give you rewards for purchasing through your credit card. You can use these points to redeem cool gadgets, cash and other rewards.
Extra Time to Pay
Compared to cash and debit cards, you get extra time to pay for your purchases when you use a credit card. You charge a purchase now and you get to pay it on your next month (depending on where you’re at in the billing cycle). If your money is in an interest-bearing account in the bank, you can still earn some interest income on that one.
Increasing Your Credit Score
Most institutions report your credit card activities to the credit reporting agencies so using a credit card properly and responsibly can have good effect on your credit score.
These are just few of the reasons why you should use your credit card for online purchases. Can you think of other ways on how credit cards are more advantageous when buying online? Please feel free to share your thoughts in the comment section.
The internet has become popular now more than ever because of the rapid advancement of internet technology in the past decade. Like any other products of men, the internet also has its own share of legal issues. Among the known legal cases arose from defamation, copyright infringements, domain name disputes and licensing issues.
It’s been said that the pen is mightier than the sword. In this information technology era, information that is posted on the internet could spread faster than fire – and its scope is much wider since everybody can access the information over the internet. The legal problem arises when somebody posts a false statement about someone or some organization that is damaging to latter’s reputation. This is usually the reason while defamation cases are filed.
As the popularity of the internet grew, information sharing has become so easy and fast. Web sites all over the world can connect through the internet and there is almost no limit to what people can share online globally. Sharing of copyrighted materials such as software, books, articles, movies and music had become so rampant that it already affected the income of the people who own the copyright of the said materials.
Domain Name Disputes
This is more on trademark infringement. As more companies create websites, the clashes over Internet domain names have become more common. Disputes are mostly due to second level domain names. For example, let’s say that there are three companies starting with “sample” like Sample Airlines and Sample Industries. Both companies will be vying for the sample.com domain name. But the problem is, this is usually taken already so they have to resort to other names or file some domain name dispute.
Software and programs are usually licensed and copyright protected (except for materials in public domain). Their usage and distribution are usually governed by software licenses and problems arise when people use or distribute the software against their terms of the license.
There are other legal issues in the internet that are not mentioned in this post. You can ask a technology lawyer to further learn more about this topic. It is important that we understand that internet should be used responsibly to prevent being involved in legal cases related to internet use.