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Struggling in this economy

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I know the economy is supposedly getting better but there’s still a lot of unemployed people out there.

Our next door neighbors for example … They both got laid off from their IT Jobs in late 2008 (I think) and then, to top things off they had a baby last February, plus they’d only bought their house in June 2008 so when you add everything up it wasn’t very good that they both lost their jobs.

The woman next door got a new job a few months ago, but her husband is still looking. I feel bad for them.

I certainly hope that now that the economy is truly getting better that he gets a new job soon too.

I know that my husband and I have been struggling. I’m on very extended medical leave and my husbands job is only part time although he does work 4 days a week and gets a pay premium for part time. It’s hard but we’ve been careful with our money and expenses so we’re surviving.

How are you doing? Have you managed to keep your job during this recession or did you lose it and have to struggle like so many others have?

Signs the economy is improving

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I think I found a positive sign that the economy is getting better. I’ve noticed over the last few months that the magazines that I read regularly are getting thicker.

Huh? Well .. they do have a few more articles than they did a year or so ago … but most of the extra heft of the magazines is an increase in full page and half page advertisements. I guess advertisers are more willing to put money into promoting their products via magazine ads. Of course a lot of the extra new ads are for the best fat burners but it’s a start.

I’ve also noticed that I’m getting more private advertising interest on some of my blogs and websites and my Adsense earnings have gone up over last year at this times earnings.

Have you been noticing signs that the economy is improving whether it’s your earnings going up or an increase in some kind of advertising that you’ve noticed?

Protect Your Credit – Protect Against Identity Theft Today

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Identity theft is one the the most rapidly growing crime in America, with one in every four households falling victim to it. This is a very serious crime that can have debilitating consequences for those that fall victim to it. Therefore, it is a very good idea to implement some kind of protect against identity theft in order to protect your identity.

Generally, this crime happens by someone making use of another person’s personal data to commit some sort of fraud or financial theft. This crime is so widespread today, anybody can fall victim to it and everyone should be aware of what happens when you become its victim.

Because the use of technology is increasing, identity theft has become more of an issue. The criminals are using the Internet and email to dupe victims into giving out personal data without them every knowing they are doing so. It is the up and coming crime of the information age, and everyone should be using some sort of identity theft security.

Those that fall victim to this criminal act are faced with a long, painful journey as they attempt to clean up the disorder that they have found themselves in. There is an unfortunate truth to ID theft, and that is it is often traced back to family members, so it is often you own relatives that brings such mayhem into your lives.

Because information is so easily available due to how much the Internet is used, it is simpler than ever for thieves to get access to, and use personal and financial information belonging to others. We often hear of popular, and very big, corporations loosing important personal information belonging to their customers.

You most certainly don’t want to become a victim of ID theft. Personally, there are certain steps that you should be doing to ensure that you never become its victim. These include using a identity protection theft solution, which helps to protect your credit history.

Identity theft is a crime that is vast and far-reaching, often involving people in multiple countries. Organized crime syndicates overseas often are carrying out this criminal act, which makes it very hard to take legal against these criminals.

The crime of identity theft is growing which each passing day. Becoming a victim of it causes your credit history to be wrecked, causes you to sort out accounts that you didn’t make, and you will have endless steps to try and clear your name and show beyond doubt who you really are. It is best to do what you can to not become a victim of this crime in the first place, so take steps to fight identity theft.






The Best ID Theft Prevention For You

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The crime of ID theft is a large and rapidly growing issue. With tens of millions of identities being stolen in the last year, you must do what you can to ensure that you do not fall victim to this terrible crime.

There are a few things that you can do to reduce the probability of falling victim to ID theft. Probably the easiest thing to do is to just use your common sense. Protect your important personal info and do not give it to anybody unless there is a good reason to do so.

You need to make a regular habit of checking your credit bureau report to ensure that there has not been any unauthorized use of your credit. If you are aware of what should appear on your credit report, then it is very easy to see if there has been any criminal activity with your social security number.

You can also use identity theft fraud protection to reduce the exposure to the chance of having your identity stolen. Identity theft prevention is a speciality of a few reputable companies. ID theft protection services use a fraud alert on credit report to alert you anytime someone attempts to start a new line of credit using your social security number.

These identity theft solutions also eliminate a lot of junk mail, which includes offers of new credit. Mail theft is one way criminals steal your identity, this reduces the chance criminals can use mail to steal your identity.

Also, ID theft services monitor the black market and online activity for any criminal use or trading of your personal information. Thieves will often trade your personal information, such as your social security number and name and address, which is then used to steal your identity. This is a great reason you need to look into using an identity theft alert.

The average ID theft victim spends 600 hours and thousand of dollars to repair their credit. Through the use of an identity theft prevention company, you are doing your part to make sure you do not become an identity theft victim. To get more information about these services, you can read about stolen identity protection.

Tips and information you need to know so you can get the best life insurance rates!

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Just because you have hypertension or HBP (high blood pressure) it may be possible to still get the best term life insurance rates. I will outline a few important points and tips on how to get the best rates and premiums in this post.

Factors that will affect your underwriting decision:

  • Your current age
  • Date you were diagnosed
  • What medications and treatment has your Doctor prescribed
  • Response to any treatment
  • Current readings for the last 2 years (to show that you are stable and compliant)
  • Any other health issues, like heart disease, stroke etc.

How to help your agent or broker get the best life insurance rates and speed up the underwriting process:

  • Your doctor records will be required, the carrier typically orders these
  • Records of blood pressure readings (should be in your Dr.’s records)
  • Any cardiac history records
  • Make a case for your current health such as (how much you exercise, your great diet, the new job you took to improve your health and lifestyle, etc. you understand right?)

Now a lot of these kind of issues can typically be controlled by just making minor modifications in your lifestyle. Some of you may just need a new job period end of story, our career’s put an enormous amount of pressure on our health. What you eat is a huge determining factor also cutting out your sodium intake can help. Getting in great shape can and probably will do the trick for most people.

Your Doctor can help you design a regimen to get in better shape and get your hypertension under control.

After the carrier underwrites your case this is what you may expect? Depending on how bad your condition is you may still be able to obtain the better rate classes for the preferred risks. If you can show that your HBP is well controlled and compliant with your Doctors recommendations.

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