Bernz Jayma P.

Improve Your Finances, Cut Back Where You Can

Market changes have forced a lot of expenses to go up. If you notice, your mortgage payments and other costs are not at the same level as before. For the ordinary consumer, this means less purchasing power and lower standard of living. Fortunately, you ca... Read >

How to Improve Your Credit Rating

Despite the popular belief that bad credit can only happen to people who are financially irresponsible, the truth is that bad credit can actually happen to anyone. Some individuals simply find themselves in a bad situation either because they were suddenl... Read >

How Bartering Can Get You Everything You Want in Life

What if you desperately needed something done in your life, maybe you needed to fix your car or your home, but you have absolutely no money to do it? What would you do? Well, simply take a tip from the millions of people all over the world who've been in ... Read >

Health Insurance after Layoff

The economic crisis is making it hard for everyone to earn a decent living. During the last year, millions of Americans lost their jobs because of the recession. But aside from the emotional and financial consequence of losing a steady paycheck, there are... Read >

Stolen Laptops Puts You in Danger of Identity Theft

Among the many things we want in life include security. Security is not limited to financial security or psychological security; this encompasses a wide variety of things including personal security. The transactions made everyday makes everyone exposed t... Read >

Identity Theft in Web 2.0 Sites

The popularity of social networking sites has made it hard for everyone not to join the bandwagon. MySpace and Facebook are just among the websites that require personal information. Some people actually decide to not include their birthdays for fear of i... Read >

Importance of Shredding Sensitive Documents

Identity theft is one of the fastest rising types of crime today. It can give everyone a course of worry since most personal information can be retrieved from your documents. However, a simple step can protect you from this common crime. You can reduce th... Read >

Identity Theft – Are you a Victim?

You can be a victim when your phone rings and the person demands you to pay for overdue bills, you open your mails and be bombarded with unfamiliar letters of different companies. When you went for grocery shopping, the cashier is refusing checks because ... Read >

Dining Out and Credit Card Theft

According to surveys, the restaurant is the most likely place to lose a credit card. One of the major credit card companies determined that forty percent and that's right 40% of credit card theft happens to dining locations more than any type of establish... Read >

Buying Your First Home during the Recession

Buying real estate property is a serious undertaking whether the economy is in recession or not. During recession, buyers are in a better position to negotiate but there are still a lot of risks involved. A lot of people are concerned that home prices can... Read >

4 Tips to Survive the Recession

Countless people were ill-prepared for the recession that suddenly struck the world. There isn't much an average person can do about it either. Many have already lost their homes, their jobs, or their investment money. And the unfortunate thing is, some e... Read >

Why Monitor your Credit Report?

The number of identity scams these days is very alarming. If you watch the news, there isn't a day that you don't hear reports about identities being stolen. What is more disturbing is the fact that many techniques are used to steal your personal informat... Read >

What To Do If Your Identity Is Stolen

Stolen identity? What comes into mind when you hear that phrase? Stolen identity is when someone uses your name and personal information to benefit financially or materially. When ones identity gets stolen it is important that they don't remain silent ... Read >

Shredding your way to protection from identify theft

Identity theft is now on a new higher level and more people are falling victim to these fraudulent schemes. Due to this, there is a rising concern on how safe one's identity may be with so many companies and organizations taking personal information so a... Read >

Preventing Identity Theft: Here’s How To

There is a substantial increase in the number of identity thieves. Everyone should be worried about the statistics. Fortunately, it is not that hard to protect your identity against the fastest-growing criminal activity in the country. The most important ... Read >