10 Ways To Protect Yourself From Identity Theft

There comes a time in everyone’s life where they can use a little help. One of those times may be when you become pregnant or have just given birth. There is a nation-wide program known as WIC (Women, Infants, and Children) that helps provide nutritional foods to pregnant women, infants, and children up to age five.

Do not carry your social security card replacement, credit/debit cards, or passports if you don’t plan to utilize them. Carry only credit and debit cards that you need for the day. Same goes for any other personal identification. If you must have it on you, (i.e. Driver’s License/I.D) ensure that it is secure. If you are at work, be sure to keep your wallet/purse in a safe place. Places of employment are known for having wallets or purses stolen. Do the same with any copies of administrative forms that might have your personal information on it.

Finally, you need to call your local police department. Give them your list of items that were in your wallet. Chances are that your wallet will not be recovered, but you will want to have an accurate record of when your wallet was taken and what was inside of it. There have been instances where cardholders are asked to provide this information. You may be asked to come down and sign a police report, so be prepared to do so if asked.

As long as the charge is in dispute, you don’t have to pay that portion of your bill. You do, however, have to continue paying any other amounts you may have on the same social security card replacement.

Give out your account number over the phone unless you’re making the call to a company you know is reputable. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau.

Credit card fraud is a crime that is committed every day! Thieves use your name and your social security number to obtain everything from cell phone service, to additional credit cards and credit lines!

Not a month goes by in my practice that I don’t hear clients utter the same phrase-sometimes in more colorful language-at least ten times: “I never should have rented to this guy. I never should have rented to this guy.” In the case mentioned above, after the tenant fell behind and my client started looking into his background, he learned from a previous landlord that the tenant had a prior eviction. At the time of our trial, the tenant was also under indictment for mortgage fraud and had a prior criminal conviction for possession of counterfeit government bonds.

And for the actual tax filing be prepared to see significant changes to your tax status. This is because now that you are married, your income and that of your spouse are joined. In doing so, you will see that your combined income jumps to an entirely different tax bracket. However, some adjustments are made for the fact that you are married. You will have to choose though on how to file: married filing jointly, or married filing separately. Depending how possible numbers work you, you may also need to make changes to your tax withholding status which would need to be done via an updated IRS W-4 Form to your employer. The IRS provides on their website a useful calculator to help estimate withholding impacts and choices.

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