Valuable Information! Holiday Stress

"Your Best Interest is My Priority"

Anna will be addressing various items of value each month. Whether it is ways to save money, articles to increase your knowledge of property buying and selling, or the latest information in the mortgage industry, the purpose is to save you time, money or both! Here we highlight the main points and offer a printable version for expanded reading.

Please visit our archives page for past Items of Value. Listings are in chronological order and include Items of Value and Market Trends articles.

Ease Holiday Stress ~ Spend Wisely

  • Review your holiday expenses from last year (include the cost from any travel, extra food, decorations, cards, postage, etc.) Consider how you can improve things this year by eliminating unnecessary expenses from prior years.
  • Try to pay cash for gifts, but if you use a credit card, try to only charge what you can pay off in one or two months
  • Time is the most valuable asset for many people and is a great way to show your appreciation for others. Offer to baby sit for a friend, or clean and run errands for an elderly person. Be creative with your gift giving, as some of the best gifts are unexpected.

 

Save money with these tips ~

  • Have a game plan before you go out holiday shopping. Even if you don't know exactly what to get, k now where you want to shop. You may end up spending more money without a solid plan in place.
  • Avoid the crowds by shopping online. You can order in bulk to save on shipping costs.
  • You'll find tempting holiday deals but shopping for yourself in addition to other holiday spending quickly adds up. Besides, you never know if someone else already got you that gift.
  • Before you go to the mall check overstock web sites first. Many items are cheaper than retail prices. eBay is also a great place to find unique antiques and collector's items you would never find in a traditional store.

 

Read below for steps to take if you're missing your wallet or purse.

  1. Call your bank and credit card companies.Tell the representative that your card is missing, report
    what time you noticed it was missing and if you can, state the last time it was used and what
    purchase was last made.
  2. Notify your local DMV. To get a replacement driver’s license, you’ll need to provide the office with
    documentation that proves your identity, such as a birth certificate or passport.
  3. File a police report. This helps add validity to your story. Keep a copy of the report in case
    unauthorized charges show up on your account.
  4. If your passport is missing, report it to the U.S. Department of State immediately at 1-877-487-2778.
    If your Social Security card is missing, contact the police and the office of the Inspector General
    at 1-800-269-0271.
  5. The 2007 Javelin Strategy & Research study reveals that victims of identity theft are spending less
    time to resolve identity fraud cases, decreasing from 40 hours in 2006 to 25 hours in 2007.

Use this resource - www.idtheft.gov

Act Fast

 

If You Are the Victim - Here are 5 Important Steps to Take

  1. Call the Police. A police report will come in handy if your bank or credit card company asks for proof of the crime.
  2. Report it. Contact the three major credit bureaus, and ask them to place a “security alert” on your file. This alert states that you are a victim of fraud and that any company accessing your report should verify your identification before granting credit.
  3. Close accounts. Contact the security departments of your creditors or financial institutions where accounts have been opened without your permission.
  4. File a complaint. Notify the Federal Trade Commission that you have been a victim of identity theft. Their phone number is 1-877-438-4338.
  5. Keep an eye on your accounts. Watch for future misuse and file reports if you find any further unauthorized transactions.

For more information, read the entire newsletter here.

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