Should I purchase Identity Theft?

I lost my ssn card a few days ago, so I applied for a new one, and I also put a fraud alert with the 3 credit bureaus, BUT I was reading this Protection Plan they offer for $15 a month and I was wondering, is it a good idea to sing up for it? They give you a $20,000 insurance policy with no limits on how often you check your credit reports and they also monitor any BIG changes in your credit....So if you have any experience or input in this matter, I would greatly appreciate your comments!!!
Should I purchase Identity Theft?
Well I worked for a bank that sold ID Protect but in reality I don't think it works in most cases because there is people who could have gotten a hold of you SSN a while ago, I mean if you call any customer service and give your SSN more than likely they write it down and it goes to the trash and then you have people going through garbage to get that kind of info, what I would just do is get a membership with a credit check company and they send you info about your credit every month and you can keep track of it and if anything does happen which more than likely it wont you have to just go through the goverment which is the same thing but cheaper.

Try it out I mean they will try to tell you all this stuff just to sign up for IDP but really they get comission so don't listen. It's better to take advise from someone who knows about it and isn't benifitting from it.

Hope everything works out for you and you have any other question let me know.
Should I purchase Identity Theft?
I don't think it's necessary.
just check with ur credit bureaus.. and keep checking ur acct info every week...thats what protection plan really does... so whats the point just do it ur self ..which saves u money and time in some ways..
I think those Identity theft insurance programs way overcharge ($15 a month) for what they offer. Placing the fraud alert with the credit bureaus and monitoring your credit report once a year (you are entitled to one free credit report annually) should be sufficient to protect you from any fraud.



If had a need to check your credit report more than once a year, then you could order another one for much less than you would be paying for the insurance ($180 a year).



You are not liable personally anyway for any fraud someone commits in your name. What those insurance policies offer that you can't really do for yourself is reimburse you for any time and financial costs associated with having to straighten out any identity issues.



The only real reason I can see for getting this plan is if you are someone who chronically worries. In that case, the $180 a year may be worth the piece of mind it brings you.
Zander Insurance, a frequent advertiser on the Dave Ramsey Show, has come up with a new identity theft protection program, called their %26quot;Identity Safegaurds%26quot; program which might be a good solution for people worried about having their identity stolen, and really, we all should be worrying about it because it's happening so often and the instances of theft are growing rapidly. In addition to the prevention services, they do a great job on cleaning up the mess if your identity is stolen. They will assign you a personal recovery representative which is essentially a case worker for you. They'll put fraud victim alerts on your credit bureaus, notify creditors, financial institutions, and law enforcement agencies. They'll work with you to take care of any legal issues and make sure your identity theft mess has been cleaned up. In the event that you have to miss work or have to pay anything to clean up after your identity theft has been stolen, such as legal fees, court costs, credit reports, all the way up to $20,000 per individual, and there's no deductible to speak of. Overall this product is very solid. If you're going to get identity theft insurance, Zander insurance is definitely the place to go for it. It actually takes care of the problem rather than just writing you a check and making you clean up the mess.
I have a rider on my home owners policy...$25 bucks a year.
Credit cards have become a necessity in society nowadays, you can't go anywhere without having to use one. That's why it's imperative to maintain a good%26lt;!--credit rating and use your credit card smart. Lots of credit card related question been asked here and yours just another one. Check it out this website, hope it helps.



http://bestcreditcards.freehostia.com/



After all, without a credit card, it's harder to live, and especially hard to shop online. Lots of credit card related questions are often being asked and yours is just another one. Credit cards are great to use as long as you control them--%26gt;They are useful, helpful, and make buying things a whole lot easier. But it's important to remember that people go into thousands of dollars of debt because of them, and the same thing could happen to you

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made on fingernails

Graduation help plzzzzzzzz?

i know this is extremely long but bare with me please





Ok so im 17 years old and is suppose to be graduating in june but before I get to that let me tell u how my past 3 years of high school went freshman year everything was perfect I was got straight A's then my sophomore year came and for the first quarter I got straight A's just to let u know I don't live in a stable home both parents unemployed and have problems which I don't want to mention so second quarter sophomore year we got evicted out of our home and had to stay with my cousin and she has four kids including a new born at the time and me and my sister would always have to skip school and watch them about three times a week so my grades dropped and I got C's and D's then 3rd quarter I asked my counselor to give me a print out of my transcript when I got It,it had said that my GPA was about 1.6 and i knew that a couple of C's and D's couldn't do this then I looked and it said that I got all D's and C's my freshman year so I took it to my counselor who told m there was nothing she could do about it so I went to the dean of students and sh told me if i could prove that my grades were different by getting a report card or another transcript that my counselor would change it but I didn't have any then she told me that this has happened before with students who had my counselor and maybe something will come up so the next quarter me and my sister switched school who were on a different credit system but the converted my credits and I got mainly A's but a few B's then my junior year I went back to my old school and my counselor was suppose to convert them back but she never did and said that she wasn't suppose to so for first quarter I got straight A's second quarter I was doing well had As and B's then right before finals we got A big snow storm about three feet of snow the schools didn't close down but my parents wouldn't let me go then after the snow had melted it was the day of finals and the temperature dropped to about 21 degrees below zero and his is not normal in Iowa but this time they closed the schools and put off finals till after winter break and during the time of the temp drop we had to move in with my sister which is about 2 miles from the school and they don't have bus service unless your 2 1/2 miles away so after spring break it was still pretty cold outside and classes resumed to take finals but my parents wouldn't let me walk 2 miles in the freezing cold so I didn't go then after the temp went back around normal and I went back to school and asked my teacher if I could make them up the said yes I just need and ok from my counselor and of course she said no so I ended up failing two class and the other two I passes with D-'s so i ended up transferring schools again and got all A's for the last two quarters then senior year came and i went to yet a different school and I got in trouble for going back in the school 20mins after it was let out and got sent to the principal and she asked what grade I was in I told her 12 and she went and searched my name in the computer and told me I only had credits of a 10th grader so the next week I got tired of the school and transferee back to my old school where I asked my counselor to print my transcript and my. GPA was about 1.9 and it said I failed nearly every class at the school where I had the counselor who did nothing fair so now it's 3rd quarter and I'm currently not in school because my parents took me out because we were suppose to move to Arizona this month but never did and I can't go back until next quarter and even if I do go back I won't be able to graduate and overtime I think of it I cry my heart out and I would just go get my GED but I won't let my self because i really want to graduate and I deserve to if it wasn't for my parents and my grades somehow changing I would be graduating so I need help what do I do and I'm crying right now because i've gave up all hope and I don't know what to do and I know I won't even be able to go to college and I don't have money for it and I really don't want to have go to community college but if i have to i will
Graduation help plzzzzzzzz?
That's not fair! If you got straight A's in grade 9 and 10 and even in 11 then your stupid counselor SHOULD HAVE THEM. It really ticks me off when stupid counselors like these just hate their lives and they take it out on you. If she was supposed to convert them back then KEEP going back to her and get the grades you DESERVE! Why didn't your counselor let you make up for your grades? She messed you up in the first place by not converting your rightful grades back anyway. Don't take NO for an answer! Ask her %26quot;Why? How come? Why didn't you convert my grades? When are you going to convert my grades?%26quot; Keep asking her until you get an answer out of her! That is NOT fair! She won't let you graduate? What kind of counselor is THAT? If she keeps doing this, talk to the principal, talk to the school board of education, get her fired if you have to. You can ALWAYS go talk to the principal or even the vice principal if your counselor isn't doing her job and they can help you instead of her. Do you have previous report cards proving that you got those grades? If you don't graduate, that's not fair at all! ): I hope you get the grades you so rightfully deserve.

Do food stamp cards normally RENEW the Same day of each month? (Even if renewing again?)?

why this is the case? is this because it is a federal program..that they are so strict and orderly for same day each month you get issued again food stamp money on your card?



how they determine which day it is and does this ever change?



please explain



also, another question..WHY they have you give a new interview each 5 months...? why not 6 months? (As this makes it kind of confusing for some reason and just seems strange they dont go ahead and make it meeting with a person at the food stamp office every 6 months..also is this for EVERYBODY ? meaning everyone has to report back to have an interview each new 5 month period?) is this all over the USA?



please explain what would ever disqualify you from food stamps if you still were at same situation financially as before? how many times can renew usually? and for how long been this way?



(btw, if you dont mind sharing which area of the USA you are, please do)



thanks for your answers!
Do food stamp cards normally RENEW the Same day of each month? (Even if renewing again?)?
Your Food Stamp card is not being renewed. It is your FS benefits that are being renewed. All government assistance programs have strict requirements including FS. Fs are being reviewed every 6 month. Which means that they have to be renewed by the beginning of the first day of the 6th month. And the requirement is the same all over USA. If you need more information you can go to SNAP website:

http://www.fns.usda.gov/pd/snapmain.htm

Do food stamp cards normally RENEW the Same day of each month? (Even if renewing again?)?

why this is the case? is this because it is a federal program..that they are so strict and orderly for same day each month you get issued again food stamp money on your card?



how they determine which day it is and does this ever change?



please explain



also, another question..WHY they have you give a new interview each 5 months...? why not 6 months? (As this makes it kind of confusing for some reason and just seems strange they dont go ahead and make it meeting with a person at the food stamp office every 6 months..also is this for EVERYBODY ? meaning everyone has to report back to have an interview each new 5 month period?) is this all over the USA?



please explain what would ever disqualify you from food stamps if you still were at same situation financially as before? how many times can renew usually? and for how long been this way?



(btw, if you dont mind sharing which area of the USA you are, please do)



thanks for your answers!
Do food stamp cards normally RENEW the Same day of each month? (Even if renewing again?)?
it is always on the same day of the month.



if you gross less than $1174 per month you will get it until you die.



it is every 6 months; you must renew one month in advance to keep the benefits going.

Create a game that students can use to learn or review algebra concepts. Prepare rules, question cards and ans?

Create a game that students can use to learn or review algebra concepts. Prepare rules, question cards and answers, a name for your game, a game board, playing pieces, questions cards and answers, etc. All aspects of the game should be thoroughly described in your paper. The topic of the questions should be researched and included in your paper. You may want to actually construct the game and try it out, reporting on how well it works, what you would or should change to make it better, how others enjoyed it, what you learned from this experience, etc. Photographs of the game could then be included in your report.
Create a game that students can use to learn or review algebra concepts. Prepare rules, question cards and ans?
You didn't like my answer ?

Is this standard for a credit card company to ask you over the phone?

OK so I have an overdue citi credit card for $500... I call the # on the back of the card and am sent to collections. I asked the guy if I could pay the bill online and he said he didn't think key bank (the bank the card was through) allows online bill pay. I said ok that's fine (I later find out that they do have online bill pay, which is red flag #1)... so I say I want to use my checking and I give him my routing and acct. #... then he asked me to verify my address and I did.. then I asked if I could also change my address because I'm not at college anymore. He said sure. I told him the updated address and he said... %26quot;Ok what's your social security #?%26quot; %26quot;I said why do you need that%26quot; he said %26quot;to update your address%26quot;... sounds fishy doesn't it? I mean the guy has all my info (routing included) and now he is asking for my ss #?



Also, how secure are these departments? Am i giving this information to a very trustworthy person? Or do they hand those collection jobs out like hot cakes... The background was very noisy like he was in a large room with tons of people... and he didn't seem too intelligent... i'm kind of worried and am thinking about changing my bank account #... what do you guys think?



edit- also at the end i asked for his id name and a reference code just so i could possibly report this all somehow... how would i report it?



sorry for such a long questions with many sub questions.. but a nice answer would be very very appreciated!!
Is this standard for a credit card company to ask you over the phone?
Yes, it's perfectly fine for him to ask. Remember, when you applied for the card, you put your SSN on your application. Since you called him, you can be certain you've got the right person. It would be different if they called you and asked for your SSN, since you couldn't verify who they actually were.



As for reporting the person you spoke with, which you don't need to, you'd just call the number again and ask for a supervisor. The ID identifys the employee and the reference code brings up a file covering what your previous call was about and what they did.
Is this standard for a credit card company to ask you over the phone?
The bank needs to verify that they are talking to the actual account owner in order to change the address. That's why he asked for your social, as a way to verify that he was talking to the right person.



As long as you called the number on the back of your card, you are fine. It's when someone calls you that you should never give any information.
That's the problem you experience when you don't pay your bills. You are at the mercy of the bank or collection agency and you really don't know who's telling you the truth.



Now it's too late. You've given that person all the information they need to do whatever they wish to do with it.



Since you called the number on the back of the card, it's probably save if they transferred your call to the collections department.



They have to ask for the personal info to update their files on you. SS#s are required for all financial transactions. I expect that they will take the $500 out of your bank account within the next 24 hrs.
My suggestion is that you do everything online, including updating your address...so you don't have to give out your SS#!
It doesn't matter WHAT they ask. NEVER deal with a collection agent on the phone. Until you have it in WRITING, they can provide a TAPE of everything they WANT to remember and you can't prove ANYTHING.



Also note: EVERY major bank has on-line bill payment. If you give a collector your bank info, they ENTIRE $500 will disappear. They will have a TAPE of you authorizing the debit, but the actual amount you agreed to will NOT be on the tape.



Question: How do you know a collection agent is lying?

Answer: You can hear their voice.



Edit: When the transferred you to collections, they meant the guy in the next cubicle to the left.
You should never give out your full ss#- he should have been able to verify with the last 4 digits only: I would change my bank account immediately.

identifying rows

Twister DOUBLE duvet set

How can i convince my mother to get me a phone?

my mother got an horrible report from my teacher but now ive worked hard and i got b's on my report card to get a phone but her point isyou should've did your work in the begining but i really want this phone (motorola W315). how can i change her mind
How can i convince my mother to get me a phone?
Hmmm... B is not enough in my opinion. I think you should get As. But, if you really want the phone... explain to your parents that it's for safety reasons. Also your parents will be able to contact you any time.
How can i convince my mother to get me a phone?
A child is less likely to get into trouble of any kind if they have a phone... need to call for help.....for a ride ....ect...ect ..thats why I got my son one.
Hi,



The best thing to do is continue to work hard and show her that you made a mistake and you really deserve this phone that your asking for. Just remember that if she does decide to get it for you don't abuse it. Hope that helps. Good luck.
try figuring out how you will be resposible and pay for it, and the monthly bill, maybe you can work out a deal with her by taking on extra chores
Continue to do good in school and show her that not only are you responsible but that you have worked hard and earned it.Trust me I am a mom I know.