New Offering From FICO Lets You See Your Scores

Many experts recommend getting copies of your credit reports from time to time. But this can cost money that some consumers aren’t willing to part with. Plus, it can take time to receive the requested documents. But FICO has released a new product which allows consumers to see their FICO score, as well as individual scores from Experian, Equifax and TransUnion. They can also use the product to see what is impacting scores from each bureau. Called FICO Score 3-Report View, the product can provide consumers with a new way to look at their credit, and therefore the insight they need to make financial changes.

Home Safety For Exchange Guests Staying In Your Home

A lot of things can happen when the family who is staying in your home during a home exchange ventures out into your town. While no one can ensure the complete safety of anyone else at any given time, you can make it much easier for your guest family to protect themselves. Leaving them a manual in your home is one way to do this. Your manual can contain any manner of information, from how to work your home security system to how to get to the nearest hospital. You may also want to tell them how to set any light timers you have around your home.

Your Life Insurance Company’s Job When A Claim Is Denied

No matter which state you live in, your insurance company is bound by law to give you a reason for any denial of claims, as well as notice that you have been denied. Not giving a legitimate reason for denial can leave an insurance company in violation of local laws, which means they can be sued for wrongfully withholding payments. As well, any life insurance claim must be reviewed ‘in good faith’, meaning that a valid reason must be given if denial is the case. Every life insurance claim must, by law, be given a review that is fair and unbiased.

Free VPS control Panels

Some web site owners argue that the best control panel is one that you pay for. But others say that free control panels can do just as good a job. Here are a few free options that are available.

Kloxo is considered to be a very good alternative to Cpanel. It offers easy installation and a very similar interface to Cpanel. Although it does support many OS’s, Kloxo still does not support CentOS6.

ZPanel supports a wide range of operating systems including Windows. However, it may require more tech savvy to use. Less experienced users may find the lack of tutorials and support to be frustrating.

EHCP supports a higher number of operating systems than Kloxo does. EHCP offers an easy user interface and appearance and functionality similar to that of Cpanel.

Language Matters In Web Site Accessibility

In addition to making your web site more accessible in a visual or auditory manner, the language you use can also help. Experts recommend that when considering the accessibility of your site, the use of simple words is best. The words you use on your web site should do the job of effectively communicating the information you want to share, but not be too simple. Where ever you notice potential confusion could arise from something stated on your site, it may also help to provide visitors with some kind of glossary so that they can look up and therefore better understand what it is you are trying to say.

Your Cancer Risk And Other Influencing Factors

A deficiency in vitamin D has been identified as playing a crucial rule in the development of cancer cells. Vitamin D, otherwise known as the sunshine vitamin, can be had with just a few minutes of exposure to ultraviolet light in the form of sunshine or a tanning bed. But you can also take vitamin D orally via liquid or in pill form. In addition to being used in cancer treatment and recovery, vitamin D can also be used for the prevention of cancer. This is because reduces cancer cell reproduction and spread, in addition to increasing the speed at which mutated cells self-destruct.

What Your Travel Insurance Won’t Cover

Just as with a regular life insurance plan, it’s important to know what isn’t covered on your travel insurance policy. You may be looking forward to engaging in some extreme sports while traveling abroad, but be aware that these activities may not be covered by your travel insurance plan unless you pay extra for them. As well, should you become the victim of an incident that was drug or alcohol related, you will likely not be covered. Likewise, should your recklessness causing an incident to occur, you will also not be covered, although the definition of the term may differ depending on the insurance company you choose.

Steps To Creating Weight Loss Success

Some of the world’s leading experts on health and fitness have a lot to say about what can be done to help yourself lose the weight you want. One great suggestion is to make self-love a habit. This can mean eating a healthy breakfast and living in the now. Instead of thinking ‘I’m never going to lose weight’, they suggest thinking about what you are doing in the present to change your life and reach your goals. Another tip is to avoid beating yourself up when you make mistakes. Instead, learn from them and then move on without regret.

How Rising Mortgage Rates Are Benefiting The Housing Market

A paradox is occurring which may actually mean that the housing market benefits from rising mortgage rates, albeit unexpectedly. The demand for mortgages appears to be rising along with mortgage rates, which is not the regular progression of things. Experts say this is happening for two reasons: the rush to lock in current interest rates by homeowners, and the fact that there is a lot of opportunity in the pursuance of purchase-money mortgages by lenders. This paradox offers much in the way of good news for the housing market, as it shows support for the continuing increase in the sale of homes.

Non-Tech Teaching Tips for Parents

Any parent who is worried about the amount of technology being introduced to their children can take steps to introduce or re-introduce the non-tech world, simply be returning to the basics. When traveling, a traditional map can be used instead of a GPS. This can help children to develop important skills like problem solving, as well as provide them a way to relate what they see on the map to what they see in front of them. Another solution involves the reading of physical books with your child vs. an e-book or watching a movie, as it will allow your child to connect physically with a book the touching and turning of pages, as well as provde a more relaxing way for your child to experience a story.

Understanding Home Equity

Your home’s equity can be calculated by subtracting the money that you still owe on your mortgage form your home’s current value. Your equity is how much of your home you owe according to the payments you’ve made and the appreciation of your home. Although your equity cannot be sold, a bank will still allow you to borrow against it. This is called home equity loan, which can save a homeowner significant amounts on their taxes. Home equity can also be used to consolidate your debt or make big purchases, such as to fix a roof or other major home repairs.

The Truth About Genetically Modified Foods

Genetically modified foods were designed with noble intentions. Keeping foods fresher on store shelves does reduce the potential for waste. However, there are some unwanted elements that make their way into these foods. For those wishing to shed weight, these extra items are most definitely not appealing. For anyone wishing to lose weight, it may be best to go with lower calorie foods that are organic. Of course, overdoing on these food choices would not be helpful. A common mistake many make is they eat a little too much because they have switched to organic and that would be a bad choice.

Can You Refinance a Mortgage with Bad Credit? (YES!)

mortgage2Dealing with a bad credit score is never a good thing. However, there are those that do find themselves in the unfortunate position of not having good credit. For those wishing to refinance a mortgage, having a bad credit rating can really be a hindrance. (Ironically, there are cash back options on current mortgages that can greatly help in restoring a credit rating) Those with bad credit likely will be turned down by many refinance lenders. This can lead homeowners to giving up on their search. Such an attitude is not a good one because there are bad credit mortgage lenders capable of facilitating a new loan.

Never Delay on Acquiring Life Insurance Quotes

 

Before buying any life insurance policy, it is necessary to procure a series of life insurance quotes from the provider. Do not worry about it being difficult to get a quote. The providers definitely want to make that as easy as possible because they want to gain new customers as most would correctly assume. Quotes can be ordered online with relative ease. Once the quotes are ordered, they will be quickly sent. Once received, they should be looked over carefully so as to find the best one. This may require a careful review, but considering the serious nature of the policy, such a serious review is necessary.

Term Life Insurance Can Come with Risks

brolTerm insurance has many benefits, but there can also be a huge risk. Once the term of the life insurance policy has expired, the policy, itself, no longer exists. A new one will have to be acquired. The new policy could end up being quite costly. Then again, there is always the potential a new policy itself might be turned down. This can leave a person wanting to acquire life insurance unable to do so based on age and medical condition. To avoid such a terrible scenario, it may be wiser to look into a whole life insurance policy. This is certainly not to suggest whole life insurance is always better than term under all circumstances. Rather, you need to seriously weigh which one would be better based on unique circumstances.

Only Listen to Credible Home Security Experts

There are resources available to those interested in learning about home security. Those interested in the topic do have to be wary of the information presented on the resources. Due to the serious nature of the subject, improper information will not help a homeowner stay safe. The person conveying information about home security must base all information offered in a manner that is both helpful and legal. Offering misleading or inaccurate advice about home security will do little more than put people at unnecessary risk. Stick with those sources that are both credible and logical.

Mold Removal Can Be Complex and Costly

securityMold in the home can be far more costly to remove than people think. When mold grows on the from of a wall, bleach and water may be able to get rid of it quickly. When mold is growing behind a wall, however, the problem can be much more severe and costly. The same could be said if the clear signs of mold are appearing from under a vinyl floor. Tiles and vinyl may have to be ripped out and replaced. All of this will certainly cost money. With the right homeowners insurance policy in place, it can be possible to cover all the costs associated with dealing with mold related damages.

What to Consider When Purchasing Homeowners Insurance

lifeinsuranceThere are a number of questions that homeowners should address when they are looking into purchasing homeowners insurance.  For example, you’ll want to know if your agent takes customer service seriously.  When you need a question answered or a claim submitted, you won’t want to deal with an absentee agent.  Additionally, you’ll want to be able to access the agent a variety of ways, including by telephone and email, within a reasonable amount of time.  You’ll also want to find out if you can bundle services with your homeowners insurance, such as auto and life insurance.  Finally, you’ll want to determine if you should shop for a policy online, or do it the old fashioned way.

Home Security Cameras for Protecting Your Property

Unfortunately, homeowners have to think about issues like home invasions and how to prevent them.  Protecting our families in this day and age often means installing a home security system and subscribing to home monitoring in some instances.  As a home owner, you should look into how a security camera might benefit your system.  There are a number of different types of security cameras, with different goals and benefits.  For instance, some homeowners might want to opt to be able to record any activity in and around their home, while others might simply want to install a camera strictly as a deterrent.

Should You Go With a Government Loan?

Laws that regulate the home mortgage industry are much tighter than what they used to be, and for good reason.  Banks got too lax in vetting out qualified buyers, which ended up with many sub-prime mortgages that were offered to consumers with no money down and less than stellar credit.  Today there are less options for people without a huge down payment or perfect credit.  However, there are government loans such as the HARP program that help qualified homeowners who may be upside down on their mortgage to refinance at a much lower interest rate in order to take advantage of the historically low interest rates available right now.

What to Expect When Purchasing Your First Home

Bus2One of the most exciting but stressful times in someone’s life is the purchase of your first home.  There are so many hoops to jump through in order to qualify for a home, as well as finding the right place to invest in over the long haul.  Some tips to make the process easier include attending a seminar that covers topics like financing, home maintenance, and how to find that perfect dwelling.  It’s also advisable to shop around for the best mortgage plan for you.  Pre-approval is one step you won’t want to skip, particularly if you are new to this game.  It shows potential sellers that you are serious and that you have the confidence of a bank to back you up.

Ways to Purchase Life Insurance

Consumers today have a variety of ways to purchase life insurance.  For starters, many employers offer plans as part of your benefit package, either for free or for a reduced amount, so it’s a no brainer to take advantage of that.  However, these policies may not be enough coverage for your family.  You may also try shopping online in order to get a variety of quotes, as well as research various companies available in your state.  Finally, agents or fee-based consultants can help match you up to the right company and policy based upon your intended goals.  This is helpful if you do not wish to dig into the research yourself.  Make sure you select a trusted advisor.

Can’t Get Your Mortgage Modified? Try These Options

It’s an unfortunate reality that sometimes, mortgages cannot be negotiated when a homeowner falls behind on their payments. But even if this is the case, there are still options which may help homeowners to resolve their outstanding debt. Asking your lender for a short sale can be one solution. Doing this will allow you to sell your home, although for likely less than what you owe.

Another option, although possibly less widely known is to offer your lender the deed to your home in lieu of payment. The ideal result of this option is that your lender will agree to write your debt off. However, should you choose this option and your lender agrees, it’s important to ensure that it’s stated in the documentation that any proceeds from the sale of your home will be regarded as payment in full without pursuit of any judgements against you.  No matter the course of action, the end result is better than simply defaulting on the loan.  Make sure you don’t panic and discuss your options with knowledgeable experts.

Avoid Committing Mortgage Fraud

Unfortunately, mortgage fraud is a common occurrence in today’s society. But the sad truth is that many people are simply not aware that they are committing a crime. Any lie you tell on a mortgage application, no matter how small is considered to be ‘fraud to qualify’ and is an offense.

The best way to avoid committing mortgage fraud is to be completely truthful on your mortgage application. As well, never agree to working ‘under the table’ with a buyer or seller. Finally, avoid being a ‘straw buyer’, or one who is purchasing a property without the intent of living in it.

HAMP 2 and its Benefits for the Average Troubled Homeowner

924104_new_flatsFannie Mae or Freddie Mac have made it possible for many homeowners to acquire low cost mortgage. However, there can be instances where someone has acquired a decent mortgage only to fall into tough economic times making the repayment of the loan difficult. This is where HAMP 2 might prove to be extremely helpful. This program is designed for those mortgage holders that must refinance their loan to a lower APR. While this is not a guaranteed program and you would still have to apply, the fact that it exists leaves options open to those suffering from mortgage related woes.

What To Do If Your Homeowners Insurance Claim Is Denied

Believe it or not, the denial of homeowners insurance claims is a common occurrence. But the best news is that getting denied for a claim doesn’t mean that you are barred from trying again. You can keep your claim active and attempt to reverse the decision that was made by your insurance company.

You may have a chance to reverse your claim if your company didn’t submit their denial in writing, as this may be a requirement in your state. As well, errors in the claims or filing process that you made cannot be used against you by your insurance company.

Limited Or Unlimited Hosting?

When you first become a hosting reseller, among some of the important decisions you will make are what types of hosting to offer. Should you go with traditional or unlimited? Traditional hosting packages will have limits on both bandwidth and disk space. Unlimited hosting does not. However, this doesn’t necessarily mean that unlimited is the way to go. You may save a few dollars on this type of hosting, but you may sacrifice other things, such as uptime and the performance of your clients’ web sites. This is where, as a hosting reseller, it will be necessary to think like your clients and try and match your hosting offerings to their needs.

Avoid Migrating to a New Web Hosting Service without Thinking

Switching to a new website hosting provider should never be an adventure rooted in going from bad to worse. If you have problems with a current website hosting provider, switching to a new one is certainly not an unwise decision. However, you do not want to make the switch to a different provider that turns out to be far worse. The key to avoiding such a mistake would be perform the necessary research into the website hosting company you are considering migrating to. Rushing to jump to a new company because you are angry with your current provider is not the right approach. You still need to be very careful with the steps you take to avoid making a bad situation worse.

A Minimal Backup Website Can Deliver Maximum Help

Should you go to the extra effort of creating a backup website? Yes. You should create a minimal website that can go live with little notice if your current website’s servers crash and all the data is lost. A minimal website with a homepage and one or two pages of pertinent info should be ready to go live in case of such a crash. While the secondary website will hardly be anything stellar, it is much better to have SOMETHING ready to go in case of a crash. Crashes that wipe out an entire website are rare, but they do happen. To avoid such a scenario, it is best to have a minimal backup on reserve status.

How Your Friends Can Influence Your Weight Loss

securityYour friends can have an impact on your ability to lose weight. In some cases, this can be a real drawback. How so? If you have toxic friends that undermine your potential to lose weight, you simply are not going to lose weight. Do you have friends that do not care about their health and well being? Are they prone to visit bars and go on eating and drinking binging? That may be their choice and they can do what they wish. The problem that emerges here is such friends might also drag you down when you are trying to make serious lifestyle changes. You may wish to limit your association with such persons.

The Fiber Centric Way to Lose Weight

You could say fiber tricks your body into losing weight. In a sense, it tricks you mentally as well. Either way, eating a diet high in fiber could lead to a decent amount of weight loss since it would contribute to ingesting few calories than would be the case if you did not ingest a lot of fiber. How does the process work? Basically, when you eat a great deal of fiber, your feel very full. If you are full, then you eat less. When you eat less, your calorie consumption becomes lower. Fewer calories means your body will target stored fat for energy. This leads to the weight loss you are so desirable of. While not the perfect strategy for losing weight, a diet high in fiber is worth pondering.

Never Underestimate Password Security

Your password is at risk. Where is it at risk? It is at risk everywhere. When you are home and no one is around, you might think your codes are safe. You just might not be taking too much for granted if this is what you are thinking. A virus that logs keywords could very well compromise your password. This is why you should always have a modern and up to date anti-virus program. No matter where you are using a computer, you will want to always log out and do not save any passwords on shared computers. Such actions could seriously harm your personal security immensely. Once your passwords are compromised, so are many aspects of your life.

Simple Ways to Enhance Your Online Security

Hackers are a smart lot. Those wishing to breach your website or the hard drive of your computer have a lot of practice learning how to make sure they can do it effectively. This does not mean they can do so without leaving clues they have their sights on your PC or laptop. Looking the download logs of your computer could reveal unauthorized activity. The same could be said of the sent folder in your email account. If you see activity that you know you did not take part in, this is likely a major sign of a security breach.

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