Steps to Protecting Yourself From Identity Theft

credit card theftIdentity theft–when someone steals your personal and financial information fraudulently–is one of the scariest and most financially crippling things that can happen to a person. An identity thief can not only steal your money, but also your sense of security and ability to obtain credit. This can significantly impact your life, making it difficult or impossible to be approved for a car loan or mortgage, leaving you with an insurmountable debt load, and forcing you to rebuild a credit score that you were not responsible for damaging in the first place.

While it is possible for victims of identity theft to recover from the damage done, it is obviously better to take steps prevent the theft from happening in the first place. Many of these practices are free and easy to implement in your day to day life. They include:

1) Keep your social security card at home, preferably in a locked container. Do not carry it with you in your wallet– if your wallet ever is lost or stolen with your social security card inside, a potential identity thief will have access to all the information they need to apply for credit cards, loans, or even a passport. Your social security card should only travel with you when you absolutely need it, and in those cases you should make every effort to keep it separate from other identifying documents and guard it at all times. Similarly, do not input your social security number on an unsecured website. You can tell if a website is secure by looking for a padlock symbol in the address bar of your internet browser.

2) Do not give out personal information in response to emails, phone calls, or letters that you did not specifically request, or to any source that seems suspect. Trusting your instincts can take you a long way here.

3) Be aware of your surroundings at ATMs and when typing passwords or personal information on computers. If you are ever concerned that you are being watched or that your internet connection is not secure, conduct your business at another location or wait until you are sure you are alone. Protecting your identity is worth a few minutes of your time.

4) Do not conduct transactions on unsecured networks. Secured networks are those that are private–paid for and controlled by you or someone you trust– and password protected.

5) Make sure your firewall and anti-virus software are up to date and functioning properly, and update your computer and online passwords regularly.

6) Monitor your credit and bank statements, checking for any irregularities. Often times this is enough to catch identity theft quickly before much damage is done. If you ever see an irregular transaction on any of your cards, cancel the card immediately and report the event to your bank or credit card company. Make sure your accounts have fraud protection– this will ensure you are not responsible for paying fraudulent charges.

7) Destroy financial documents and cancelled or expired credit and debit cards before recycling them. Ensure that there is no way to re-assemble the documents in a way that could give someone access to your private information.

8) Always collect your mail in a timely manner. If you are going out of town, ask a trusted friend or family member to collect your mail, or request that your local post office hold it for you until you return. If you are moving, ensure that mail forwarding will begin as close to your moving date as possible so there is less risk of documents arriving at the wrong address.

9) Lastly, if you are the victim of identity theft, report it immediately. It is possible to recover from a theft and secure your identity once again, but the difficulty involved only increases the longer the thief has access to your information.

Benefits of a Home Security System

home alarm systemThere are several reasons why getting a home security system will be beneficial for any homeowner. This article will outline some of the main reasons why you should invest in adding a home security system to your home.


An alarm system will help keep potentially burglars from coming into your home. If someone tries to come into your home the alarm sounding will scare him or her off. There have also been studies that show burglars are less likely to visit an entire neighborhood if just one home has an alarm system. Therefore, you will be providing protection for yourself and also for your neighbors by adding a good home security system. If the burglars do manage to get into your home while you are gone, many systems are designed to contact the local police. The immediate response will give the police the chance to find the burglar and returning your belongings.

Remote Access To Your Home

Newer home security systems allow you remote access to your home. You will be able to view your home remotely with simply installing cameras throughout your home. You can also turn on or off your lights throughout your home remotely or lock a door that you may have left on. Some of the advanced systems will allow you to turn off the oven or anything that may have been accidentally left on that may pose a danger to your home. The system can also come in handy if you lock yourself out of your house. You can use the remote system to unlock the door and avoid the need to call a locksmith. For those with children, you will also be able to check in your children remotely. This is an added bonus to ensure they are safe even you are not at home.

Saves Money

Simply adding an alarm system to your home will reduce most homeowner’s or rental insurance premiums. You can save up to 20 percent off your current monthly premium. Also by increasing your response time to an emergency, you will reduce the cost of any damage that may be done to your home. For instance, if there is a fire within your home the alarm will alert the local fire station immediately and may reduce the fire damage that is done to your home along with your belongings.

Review of Regal Assets Gold Company

With the future’s economic uncertainties, more and more people are searching for a way to protect their assets and diversify their investment portfolios. While there are a number of ways to do so, more people are turning to precious metals for their investments. In particular, gold investment is a growing trend among retirees. The price of gold is on the constant rise. It is also the only form of investment that stays protected regardless of the value of currency. In economic turmoil, gold will only increase in value. With a gold individual retirement account, or IRA, gold is stored away for the future rather than paper based currency.

With that being said, a gold IRA has its own risks. If not done properly, an investment may not work out and actually lose money. That is why it is important for people to have proper guidance. Many companies provide products and guidance to help would-be investors. One such company is Regal Assets.

About Regal Assets

regal assetsWith offices in Los Angeles, Burbank, London, and Waco, Regal Assets helps people buy and sell precious metals. They deal with gold, silver, palladium, platinum, and a number of other metals. Customers work with experts to strategically invest in bullion, coins, and other forms of precious metals.

What Makes Regal Assets One Of The Best?

Regal Assets has a worldwide reputation for being a great company to work with. In fact, many financiers have praised the company for the benefits they provide. With over 50 years of experience, the company has made a solid name for themselves in the world of Gold IRA. If you are on the fence about them, here are a few reasons why they are one of the best.

Low Fees

While most don’t realize it, there are actually fees involved with Gold IRA. In addition to common administration fees, you have to pay to have your gold stored. This is an important part of purchasing gold. Some companies charge a lot of money for storage fees while not taking complete care of their customer’s gold. In many cases, gold is lumped together with another metal, which could ultimately degrade the quality of the gold through scratches or substandard handling. Regal Assets is known for their superb care and low fees. In fact, the company has the lowest fee on the market. They charge an annual fee of $250. There are no surprise fees or surcharges. That flat fee will ensure that the gold is stored in a safe place properly.


Not all gold IRA companies have the options that Regal Assets does. Many work solely with one form of gold, such coins. However, Regal Assets has a wide range of products to invest in. Their wide selection of products can help even the most stringent customer. These options can help you further diversify your portfolio. Not only that, but Regal Assets has very favorable prices as well.


Regal Assets has a strict delivery guarantee of 7 days. Every order is delivered within that time frame after they have received your funds. This is a great benefit that not every gold IRA company provides. In fact, many companies take months to deliver, leaving their customers in the dark. Furthermore, Regal Assets insures their orders. It removes the risk of unnecessary losses. Ultimately, you can order safely without having to worry about a thing. In the off chance that a delay occurs, the company provides a free Silver American Eagle form for compensation.

Skill and Efficiency

This is one of the most valuable benefits Regal Assets has to offer. The staff is professional and knowledgeable in their field. They can provide the best information to their customers. They have the skill to provide excellent advice and answers to any question their customers may have. Their guidance is one of the most valuable things they have to offer. Not only does their skill help with smart investing, but they can also get things done efficiently. Many other companies take months to complete an investment, delaying the shipment of the gold. With Regal Assets, the process is done quickly and efficiently.

Here’s a great review of Regal Assets from to learn more about their quality of service.


Regal Assets has an outstanding 99.9% customer satisfaction rating. This is evident by all of the great testimonials they get from customers around the world. They have an A+ rating with the Better Business Bureau and five stars at TrustLink. On TrustLink alone, the company has 235 five star ratings. They’ve also gotten much acclaim from the press such as Forbes and Inc Magazine.

The company works with a number of organizations, such as Professional Coin Grading Service, Numismatic Conservation Service, and Certified Gold Exchange to ensure that their products are authentic. They use these organizations to authenticate their rare and collectible coins, ensuring that investors are getting the most bang for their buck.

Rolling Over Your Existing IRA to a Gold IRA

retirementThe process of rolling over your existing IRA to a Gold IRA with Regal Assets is relatively simple. It starts out with a form that is available on their website. From there, they will email the IRA Paperwork. Once completed, it can be sent back via email. Everything is done electronically, speeding up the processing times. They will then create an IRA account, the details of which will be sent to you. You must then email documents for your transfer.

At this point, Regal Assets will contact your current custodian about the transfer on your behalf. They arrange the transfer and keep you in the loop the entire process. They update you throughout the process via email or telephone. Once the funds are transferred, an account executive will contact you with some investment options.

They will present you with your options at that moment. This includes the types of precious metals available and their current prices. Once you decide on your investments, the prices are locked in. The items will then be shipped in 7 days or less. Regal Assets informs you when your gold has arrived at storage. It can then be viewed online at any time.

Delivery and Storage

As mentioned before, Regal Assets has one of the fastest delivery times available. They have a guaranteed delivery of 7 days once the funds are available. The company also insures every delivery, taking responsibility for it until it reaches storage.

Precious metal is stored at Brinks. Brinks takes outstanding care of their precious metals. In fact, every account has its own storage. Even the gold and silver are separated to ensure that the quality of the metals stay intact. Brinks has high security standards to protect all of the assets. Customers will not have to worry about their gold.


Regal Assets has great pricing options. When it comes to storage and administrative fees, they have the lowest on the market. With the security and segregation that Brinks has on every account, customers are actually getting a lot for the annual $150 storage fee. Other gold IRA companies charge twice that for segregated storage. Regal Assets also charges $100 a year in administrative fees, making the total $250 a year to work with them. That is incredibly affordable compared to other companies. Not only that, but Regal Assets actually waives fees associated with a customer’s retirement account the first year.

Is It Worth It?

All in all, Regal Assets is a fantastic company to work with. They provide top-notch customer service to anyone looking to protect their future. They have low fees and world-class service. Not only that, but the insurance they provide is priceless. Their seasoned and professional staff is there from day one to help you make smart decisions about your future. With all of the benefits they have, it is no surprise that they are one of the best gold IRA companies out there.

3 Reasons Why You Should Get A Psychic Reading

Psychic Energy Readings, Aurora Avenue North, SeattleGaining insight into one’s true inner self is hard to do. It is nearly impossible to be objective about what is beyond the basic five senses. The information that is hidden from your perception which includes how others see you, how you are influenced by your destiny and what your future may hold for you.

These are things that are very helpful to become aware of. It can literally change your future and enhance your life to know more about your inner self than you can ever find out on your own.

This is where psychic readings by phone can play a huge role. A reading by an experienced psychic can be a valuable tool for self- discovery, growth and improvement. Discover information about love and relationships. Why have you found or not found success in this area? Do you seek to get into a relationship or to improve the one you are in? Is your relationship doomed to fail? A psychic reading can give answers to these important questions.

The Paths of Life

Are you on the right path toward success? Do you know what success even feels like? Making the world a better place for you and your family is not something everyone can accomplish on their own. Some need direction, and suffer from lacking the ability to know what they are truly good at, and how to find the success they crave.

In a reading both you and the psychic participate together to answer questions you may have that will make your life more fulfilling and secure. You may discover what small or larger changes you can make in your life that will vastly improve your situation. You can increase your happiness and satisfaction at the same time.


Challenges Facing All People

Life can be a challenge, as most adults know. Having a helper guide you on to the roads of life can make it all easier to both comprehend and deal with the daily struggles.

If you are someone who is totally happy and fulfilled, there are still things about you that may make life even better. Get direction and find out more about who you really are. This is the job of a psychic reader.

Holding You Back

You can learn how to let go of the things that are holding you back. Things you likely don’t know and may never find out. Gain strength in your inner confidence and ability. Light up the world with joy, you can and will do this.

All these things can be achieved and psychic readings that can help to get you there.


Getting Your PPI Premiums Back – Without Being “Stung”

Okay, you live in the UK and you want to know if you can reclaim your ppi premiums on a miss sold insurance policy.

This article is here to explore how you can make this a quick & painless exercise, rather than a long, drawn out affair where you are guessing the best course of action to get your cash back the fastest.

What are “ppi premiums”?

PPI Premiums are the payments that have been made on protection insurance policies.  These are the payments that go into the insurance policy in return for the protective insurance.

With ppi policies, you need to find out if you had been miss sold the insurance at the beginning.  For some people this can be a little difficult because it was a long time ago when they took out the policy, so they will need to cast their mind back to the time when they filed the loan/credit card agreement and actually procured the credit.

If this is difficult for you though, you can commission the services of a ppi claims firm, and what these people will do for you is go through your policies and check to see if there is anything related to payment protection insurance contained in them.  This is invaluable for you, as these UK experts will be able to tell you if you have been miss sold any policies, and will also advise you on what they can do about them for you (and whether or not they can take the claim on your behalf, hopefully giving you a successful payout).

Good companies out there should really charge no more than 20% for a successful claim, with the most expensive amongst them charging in excess of 39% on a no win no fee basis.  This fee is a large one though, and if you shop around (like in the case with ppi claims 4 you) you can get away with paying only 15% (no win no fee), which is a much more appropriate and reasonable fee to pay for such a service, and the process will be made easy and stress-free.

There are more than 400 websites online in relation to reclaiming your ppi premiums, however you need to check through the terms and conditions when searching through these because services may vary from one claims provider to the next. Tere are some companies that only charge 10%, however the cheapest is not always the best option, so check up on that.

Tips For Choosing An Online Psychic

Going to a psychic can be an overwhelming experience. There are a plethora of psychics available online, but it can be hard to find one that you know you can trust. If you are choosing to go to a psychic, it is most likely because you are seeking answers to a question you need answered, or because you want to connect with a spirit that has passed one to the other side. Online psychics can make you more comfortable than seeing a psychic face to face, however finding the right online psychic isn’t so easy.

psychic reader

Tips for Choosing an Online Psychic:

  • Do Your Research – Before you pay for any online psychic, make sure you do significant research. There are many kinds of psychics out there, and different psychics specialize in certain things. Know what you are looking for so that you hire the right person. This will also help ensure that you don’t become a victim of a scam.
  • Read Reviews – The internet is your greatest resource for reviews and information on reputable online psychics. Odds are, if the psychic you are considering is legitimate, you will be able to find reviews testifying that. The same goes for the opposite. If the person is a scam artist or the site is machine operated (which many of them are), reading online reviews will help you find out before you invest any money.
  • Try and Get a Free Reading First – Many reputable psychics will want you to know that they are for real by offering you your first reading for free. If this is the case, take advantage of this free reading so you can get a feel for the psychic and determine whether or not they will be a good fit for you.
  • Set a Budget – Online psychics are available in a wide variety of price ranges. By setting a budget in the beginning, you can get a good idea of what types of psychics you can afford.

After your reading, if you feel like you have been scammed by the psychic or the website, there are ways of reporting fraudulent websites to the Federal Trade Commission. This type of behavior is illegal and should be reported immediately so others don’t become victims.