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Wednesday, December 19, 2007

What Are The Early Indications You May Be A Victim of Identity Theft ?

Identity theft can be extremely scary, and if you have recently lost a credit card or other types of financial documents, you are at high and immediate risk of being a victim of identity theft. If an identity thief gets a hold of your social security number or your drivers license, they may even be able to pass themselves off as you. Once they have your credit card, they can actually start racking up bills in your name as well.

If you see any evidence that someone has been tampering with your mail, this may be an early warning that someone is trying to steal your identity. Also, if your credit card bills have not arrived when they should, you should starting having some serious questions in your mind. At times identity thieves can actually get these statements so you are not able to see what is going on with your finances.

Another very strong sign that you may be a victim of identity theft is that if you see bills arriving for purchases you know you never made. This is another reason that identity thieves may try to get your mail so you do not know what is going on. Some times an identity thief can actually start to have your mail delivered to somewhere else, so if you do not receive important documents like bank statements and credit card bills, you may want to start looking into the problem.

Even if your bills and bank statements are not getting through to you, you may still be able to find some signs of the problem. You may be getting receipts, follow up promotions, and even thank you letters from companies you have never heard of before. Also, you may find that creditors start trying to contact you by telephone. If this happens, then you may have been a victim of identity theft.

You may also find that you have other problems with various financial services as well. Maybe you try to get a mortgage or a credit card, only to find out that your credit score has mysteriously dropped. This means you need to get a copy of your credit report to see what is going on with your credit that you do not know about. You may also get turned down for state benefits or social security as well. If they tell you that you are already getting these benefits, then it is probably because a identity thief is already getting those benefits under your name.

At times you could even find out that someone got a mobile phone and signed up for an extremely expensive contract and phone, all by using your name as well. If you find that you have evidence of a problem, then you need to start reviewing your finances to see what is going on. If you can detect identity theft early on, you will be able to take care of the problem before it becomes extremely bad for your credit and reputation.

Leon Edward provides information online on identity theft prevention and FREE Identity Theft Prevention Checklist at his website http://www.PreventIdentityTheftFraud.com Fluffy9factory
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Preparing for Road Trips with Young Children

Summers here and its a perfect time of year to pack up the car for a cross-country tour or for a ride to a nearby vacation destination. When traveling by car with young children, the greatest challenges are managing the amount of gear that you have to pack and determining what activities will keep your children busy in a confined space.

As moms, weve all experienced the day to day challenges of packing up the car and ensuring we are equipped to handle any situation that presents itself while we are away from home. Think of your road trips as an extension of what you do with your children each day. Take advantage of your experience and insight to simplify your packing and planning. Pack the basics, throw in a few surprises and of course, plan for the unexpected.

The best advice for new moms and especially for moms with multiple children is to stick to what you know and talk to other mothers about what might have worked well for them when they traveled to your chosen destination. We have some recommendations that might make the experience more enjoyable for the family.

Minimize the baby equipment and accessories required for your trip by calling hotels to determine if you need a portable crib or if you can rent a crib. Also, check resources at your destination to determine if you can rent baby equipment such as bouncers, baby bathtubs or strollers.

For moms with infants, we recommend packing lullaby CDs, blankets from babys crib, disposable bibs, bottles with plastic inserts so you can reuse the bottles and change the nipple and a mirror for the back seat with lights, music and activities to keep baby entertained. Purchase an AC adapter for the car so you can pump or use a bottle warmer inside the car. That way, you wont have to worry about finding a gas station with a mini mart to prepare your babys meals. A great way to keep baby on schedule during a relatively short road trip is to drive at night. Baby can sleep and you and your significant other can enjoy the opportunity to talk and laugh without the distractions you would have at home.

If you are traveling with toddlers, pack a portable DVD player, coloring books and lap pads with zipper pouches for crayons and basic art supplies, magnetic activity boards, clear marker reveal books and your childs favorite books from home. Keep your child engaged and happy by purchasing a few one dollar toy surprises such as flashcards or sticker books and introduce these new toys or activities during different points along the way.

Food options along highways and interstates are predictable. Avoid fast food outlets as these restaurants have limited healthy menu options for you and your family. Instead, pack a soft cooler for the backseat and stock it with snacks such as fruit, graham crackers and pretzels. You can also pack lunches in brown paper bags and include a small toy surprise. If you are in the middle of potty training, consider packing juice or milk boxes so you can monitor how much liquid your child is consuming.

Our recommended car essentials are baby wipes, water and plastic bags for garbage or soiled outfits. Other must have items include a cell phone, a first aid kit, a flashlight and a diaper bag or small duffle bag with a change of clothes for your child so you dont have to unpack the car or suitcases if you spend the night at a hotel.

Mom IndexTM (http://www.momindex.com) addresses the dynamics of motherhood by bringing relevant and practical information to your fingertips. We keep you informed of new and unique products and services and offer opportunities and ideas to simplify and enrich your life. Recognizing that motherhood entails constant management of priorities and desires, we will partner with you in the exciting journey of raising children as well as balancing your needs for a fulfilling life. Visit Mom Index at http://www.momindex.com Babyannabel3

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