National Cyber Security Alliance Responds to Equifax Breach

 Equifax announced a major data breach yesterday affecting some 143 million Americans’ personal information. According to the company, the data breach left Social Security numbers, driver’s license numbers and other sensitive information at risk sometime between mid-May and July of this summer.

“Major breaches like this one remind us that it is critical for internet users to remain continually diligent about practicing good cybersecurity habits,” said Michael Kaiser, executive director of the National Cyber Security Alliance (NCSA). “As our connected world grows and vast amounts of information is collected and stored, the scale of data breaches is likely to grow. Businesses and organizations that accumulate data must operate with a deep understanding of the value of that data to cybercriminals and the other risks to their customers, employees and networks. It is essential they employ a comprehensive approach to cybersecurity and be prepared to respond if a breach occurs.”

Fortunately, Equifax is reporting no evidence of unauthorized access to core consumer or commercial credit reporting databases at this time. Nevertheless, NCSA urges all Equifax users to take action now to secure their accounts. Equifax is offering complimentary identity theft protection and credit file monitoring. Information can be found at equifaxsecurity2017.com/enroll.
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How To Increase Your Home Value In 8 Easy Steps

If you have plans of selling your home in the future, you really need to take care of the many details in your abode. You may need a little bit of makeover to boost its value.

The good news is, you don’t need to spend big bucks to sell your home at an expensive price. Small, but valuable improvements can make it worth more.

Check out the list on how you can improve your home’s value:

  1. Install new windows.

Windows are one part of the home that buyers often check when purchasing a property. The future home owners don’t want a home that has damaged windows, where nearly 30 percent of energy escapes based on research. Well maintain windows are one reason why they will be interested to purchase your home. Windows add a statement to a home.

  1. Upgrade your popcorn ceilings.

Do you still have popcorn ceilings? Removing them is one sure way to add value to your precious property. This kind of ceiling is obsolete and having them in your home may turn the buyers away. Replace them with modern ceilings because a contemporary style of home is more pricey.

  1. Add a new bathroom.

Does your home only have one bathroom? It’s time to add another one in a space that is unused for a long time. Consider the convenience when deciding to add another bathroom. Your home buyers will surely love to have a bathroom upstairs and downstairs, especially when they have guests.

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The Top 3 Loans That Can Help You Eliminate Debt Fast

Unpaid debts can be really stressful. If you don’t take care of it soon enough, it will catch up with you. Debt has become a part of today’s culture and comes in different forms for different reasons. Paying off debt, is perhaps, one of the most common personal goals among different people. And while some may think it is hard, it only requires some good strategy and enormous discipline to finally get out from it. Sites like MTP Loans provide loan choices for people who want to pay off their debt.

There are various types of loans that one can get to help pay off your debt, here are some of them:

  1. Personal Loan

Personal loans are one of the many loans you can borrow from the bank. It is an unsecured loan that can be paid on agreed terms. This can be used by the borrower for whatever purpose. If your credit ratings are good enough that you can borrow a money, this can be used as a debt consolidation loan. However, there maybe instances that you will be allowed to borrow a small amount, a big amount of higher interests, or not be approved at all due to bad credit score. Secure personal loans from a bank you trust and settle for payment rates that are doable for you. This will take the stress off your loans.
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The top 3 Loans That Can Help You Eliminate Debt Fast

Unpaid debts can be really stressful. If you don’t take care of it soon enough, it will catch up with you. Debt has become a part of today’s culture and comes in different forms for different reasons. Paying off debt, is perhaps, one of the most common personal goals among different people. And while some may think it is hard, it only requires some good strategy and enormous discipline to finally get out from it. Sites like MTP Loans provide loan choices for people who want to pay off their debt.

There are various types of loans that one can get to help pay off your debt, here are some of them:

  1. Personal Loan

Personal loans are one of the many loans you can borrow from the bank. It is an unsecured loan that can be paid on agreed terms. This can be used by the borrower for whatever purpose. If your credit ratings are good enough that you can borrow a money, this can be used as a debt consolidation loan. However, there maybe instances that you will be allowed to borrow a small amount, a big amount of higher interests, or not be approved at all due to bad credit score. Secure personal loans from a bank you trust and settle for payment rates that are doable for you. This will take the stress off your loans.
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The top 5 things you can use a personal loan for

There are loans that are given for very specific things. For example, mortgage loans are for buying a home, an auto loan is, of course, used for purchasing a car while student loans are used to pay for college tuition fee.

 

Good thing there is a personal loan, which can be used for a variety of things. While there are some lenders who will ask you what the money will be used for, more often than not, it is up to you how you want to use it.

 

There are many circumstances when you can utilize a personal loan. Here are some of them.

 

  1. Pay a credit card debt – yes you can use a loan to pay off another loan. This is smart when you have several credit cards that are already maxed out. It is good to consolidate all the charges into one monthly payment, especially if the interest rate on the credit card is very high. You just need to make sure that the personal loan you get has a lower interest rate.

 

  1. Home improvement – maybe you need a new HVAC, or you feel like you need to do repairs in your home but you do not want to dip into your savings. Use a personal loan instead of emptying your bank account.
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How to Deal with Unexpected Financial Emergencies

It happens to everyone sooner or later. You get a cold that takes a weird turn for the worse. You get rear-ended. You lose a job. Your landlord sells the house you’ve been renting, and you have to move. Your computer dies. Whatever it is, even though you’d been doing your best to scrimp and save, this unexpected expense is not something you can easily afford. What do you do?

The action you take is going to depend on upon the nature of the expense. Is it a big bill that you might be able to break down into smaller, more manageable payments like a medical bill? Or is it something longer term, like  trying to find cheap SR22 insurance after getting caught driving while uninsured? We’ll talk about how best to approach both of these types of situations.

Great Big One Time Bills

In the case of giant but one-time expenses like a medical bill or your car needing a massive repair (or even needing a new car altogether), the best thing you can do is ask about setting up a payment arrangement. Trust us on this: hoping the bill goes away or trying to dodge collection attempts will only hurt you. Most companies–even medical companies and the IRS–are more than willing to work with people who make a good faith effort to pay off their bills regularly. Sometimes they won’t even check your credit before setting up these payment plans…though rest assured that if you default on these payments, the default will be reported on your credit history.

Typically the criteria used here is your annual income (verifiable through tax records and pay stubs). If you can afford to pay off the bill within a certain period of time (usually seven years or so) you’ll be approved, and you can begin making payments. If you can’t, there are other options available to you including debt consolidation and bankruptcy.
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Groupon Coupons this holiday season

As we all know, there is a great shopping expedition mounting in many homes this week.  Yes, Thanksgiving is coming, and it is a great time to spend with family and friends and be thankful for all we have. We share our bounty with others- but the day after Thanksgiving is also right around the corner too, Black Friday.  One of the busiest shopping days of the year.  A time of year when friends and family get together and hit the stores at the crack of dawn to get all the best deals around.

But this year, I say do some extra research online.  With some incredible deals available now with only a few clicks, you can shy away from those packed stores and the crowds and enjoy spending time with your friends and family at home in the comfort of your living room.
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Save With Groupon Coupons

This post was sponsored by Groupon. All opinions are my own.

Groupon has been a cultural phenomenon. It has gained even more popularity as more and more establishments use the service and pass on some incredible savings to their customers. The way a Groupon Coupons works is that Groupon has offers which the customer pays for. These deals usually double the value of their money at the particular establishment, thus getting new customers in the establishment. An example would be a new Thai restaurant opens up and offers a $20 credit toward dinner. This saves you, who wants to get Thai food anyway, significant savings and gets the Thai place new business. This has been an awesome way to save money and still go out and have fun. But buying in advance can be a bit odd for some, so Groupon has made up a new service called Groupon Coupons. The key way the new Groupon Coupons differs from Groupon is that there is no registration on the site in order to use the codes, and there is no upfront cost associated with them, either.
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