When debts begin to accumulate around you and you can not make your regular monthly payments on time or not at all, you may experience a very stressful situation. To make the situation worse, your credit applications will not be approved from other lenders because you are unable to pay the debt you already have. If this is not a big problem enough, you’ll also get rude, angry and threatening letters and phone calls from your creditors, requiring you to pay what is owed.

As these problems are worsening, so you need to manage your bills. The interest rates of your debt are so high that even if you keep your minimum monthly payments, chances are that you never have to pay all your debts away. Regarding circumstances, you need to consider available debt solutions and how to get your debt under control put you in a position where you’re able to get rid of your debts once and for all. Full Post…

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Contrary to what some might suggest, I’ve never thought it was a good idea to place your name on a “stop mail” list at the post office. Because some crack head postal employee now has a list of opportunities.

It’s the same thing with stopping delivery of your newspaper. Once you are on that list, it is known you are away.

The best case scenario for both issues is to have a trusted friend, family member or neighbor grab your mail and newspaper for you.

Never list your vacation plans on social media. The last thing you need to be doing on Facebook is telling the world you are 2000 miles away.

Put lights on timers to give your home the “lived in look”. ADT Pulse™ does all this form you.

Do all the fundamentals like invest in a home alarm system that sends an alert to local law enforcement that your house has been broken into. Studies show as many as 25% of all American homes are equipped with a home security system. Monitoring is

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We have all seen the movie “Catch Me If You Can” about Frank Abagnale Jr.’s exploits into check fraud and professional impersonation.  Amazing to believe that he actually studied and passed the Louisiana State Bar Exam (in two weeks mind you) without ever going to law school, but we digress.  You may recall that the ending was rather nice:  Abagnale ends up working for the FBI then ultimately earns “millions a year” as a consultant to banks.  Not a bad way to go…lead a life of crime, then use your expertise to score the big bucks with a legitimate job.

So, with the rise of the hacker nation, are there hundreds, perhaps thousands, of young Frank Abignale’s out there who the government should hire?  We have often said the the most bleeding-edge hackers are one-step-ahead…wouldn’t you want to hire the guy that is smarter than you, one step ahead and always elusive?  This would be a good thing for government in our new cyber war, right?

According to NextGov, the Department of Homeland Security is unable to hire “friendly hackers” and other computer whizzes as consultants because of outdated policies that Congress and the White House must reform.   Yesterday, the Aspen Inst

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Around 13,000 current and former students of Chapman University and its affiliate, Brandman University had their personal information exposed last week.  The university said an electronic document containing sensitive information such as Social Security numbers, student identification numbers and financial aid information was discovered by a Chapman student on February 15^th.

Chapman University discovered that the document had accidentally been placed in a nonsecure location.

Shari Waters, Chapman’s chief information officer, said in a statement released Tuesday that the university has found “no evidence that any personal data was appropriated or misused” and that the slip-up appeared to be an “isolated incident.”

Chapman University has contacted all of the students listed in the document and is offering identity protection service to the students

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