Posts tagged ‘Today’

Saving Your Marriage Today With Counseling

I wanted to talk today about seeking help with, saving Your marriage, by going to a counselor. Although I feel that counseling is a much needed step in working towards reconciliation of your marriage, I do feel that your reason for going should be with a right heart. Are you seeking counseling to prove how bad your spouse is and how right you are? Or, are you ready to participate with an open mind and an open heart?

Let me say that your attitude is what is going to determine whether you and your spouse stay together or not. It is important that the both of you approach the process with sincere honesty and willingness to work things out or else it’s all going to be nothing but a big waste of time. It is unlikely that anything will ever be achieved unless both partners communicate what each others expectations are. Are each of you working to save your marriage, for the same reasons or are your intentions, to change your spouse. If it is the latter then I am afraid that all you do from that point on is for not.

The question is, how badly do you want to save your  marriage ?. Are you able to put your anger, hurt and selfishness aside in order for the councilor to be able to get to the root of the complex nature of your disharmony? Many things have happened that bring the both of you to where you are needing counseling and the worst thing that can happen is that feel you are the injured party and revenge is your motive.

Finding a good counselor is very important when seeking help. Not all counselor’s are trained to handle all matters of the heart. Spend time here choosing a counselor who is going to have your marriage and keeping your family together his main focus. This is not a time to have someone who’s main goal is to side with one partner over another or play favorites. Your talking about living and loving someone for the rest of your life, so it is important to have a counselor who is pro family and honors that institution and saving your marriage today.

Committing to the idea of going to counseling, means you are going to have to accept your part of the work that needs to be done and looking at a different way of dealing with issues that will arise. Believe me, it may not be something you want to do or going to like, but, for things to be better in the future you will have to sacrifice  your needs and  put today’s issues behind you. Remember, it is never too late and none of us are never too old to learn and change.

When you attend counseling sessions be actively working towards achieving a common goal. It’s not a case of who is right or who is wrong. Your both there because there is a problem with your marriage and both of you need to be open to learning and growing from that point forward. It’s a time for putting the past behind you and starting fresh and anew, or else your doomed to fail. Save my marriage today should be your sole intention. By saving your marriage today gives hope for our nation tomorrow.

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Free Credit Score – How to Check Your Credit Scores for Free Today!

Free Credit Score - How to Check Your Credit Scores for Free Today!

To Get Your Free Credit Score Here Go HERE –

Click Link Above to Get Your FREE Credit Scores Now!

This site will also give you tips so that you can check your freecreditscore and increase your 3 credit scores nice and high so that you can become approved for any loan and have the lenders begging for your business!

Did you know?

Getting your credit checked by a bank or a lending institution
will damage your scores. You will lose several points each time
it is pulled by them!


By pulling your credit scores yourself, you will not lose any points.

Checking your own credit history does not affect your score!

Why you need to check your credit score:

Problems and inconsistencies.
Mistakes by the credit bureaus.
Mistakes by credit card companies.
Identity Theft Since Millions of People are victims of Identity Theft!
To Know Where You Stand So You Can Increase Your Scores.

For Your FREE Credit Score Click BELOW
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Identity Theft Nightmare (The Today Show)

Interesting segment from the Today Show

If your wallet is stolen:

File a police report;

Start keeping detailed records including the names, dates, and phone numbers of people you’ve reported this theft to;

Report all your credit cards as stolen so that you are issued new cards with new account numbers.

(Most credit card companies will automatically place a fraud alert in your credit report on your behalf when you notify them of a stolen card);

FREEZE all three of your credit reports–do not rely on the theft alert alone, as it will not fully protect you from having accounts opened in your name, that is something only a full credit report freeze will do;

Subscribe to a credit monitoring service (if it is available with a frozen report). These services supposedly provide insurance in the event you are a victim–not many people can afford to lay out ,000 in legal fees and that is where ID Theft Insurance will come in handy, assuming your homeowner’s policy doesn’t already offer this type of coverage.

MYFICO, Equifax, Transunion and Experian all offer credit report monitoring (some of these services are made available to those who’ve already frozen their files).

Also, as in the case of this victim, you may want to alter your banking habits. The thief in this case supposedly managed to withdraw funds and write bad checks using the victim’s driver’s license.

Sign up for email alerts on all your accounts so you can catch unusual activity before it gets out of hand.

Get a Motor Vehicle record abstract which will confirm your clean driving record and should list all cars currently registered to your name. This will be helpful If the thief manages to get a copy of your license and gets moving violations or buys a car (on credit) in your name.

The abstract may come in handy if you are arrested for contempt of court by not showing up for a hearing for any moving or parking violations issued to the thief in your name.

The only way to help prove that you did not get those tickets is to show that the abstract was clean before the theft.

You can also inquire about getting a new driver’s license number.

I would love to know why no mention was made of the arrest of the woman caught posing as this victim?

Assuming she was caught in the act, that alone should have cleared this victim of any crime.

© Copyright 2009 NBC Universal, Inc.

All Rights Reserved

No COPYRIGHT infringement is intended.
Video Rating: / 5

Robert Siciliano, identity theft expert, shares how different identity theft scams work, how thieves get consumer information, what they can do with that information and how you can protect yourself.

Some of the footage used belongs to:

The Snappening and a Sexting Culture, A NoBullying Article Released Today

London, UK (PRWEB) November 07, 2014

October wasn’t a good month for Snapchat users, news had broken out that around 13 Gigabytes of personal photos and videos, shared privately via Snapchat, had been hacked via a third party application and distributed publicly for everyone to see. So much for private sexting, NoBullying examines, in an article released today, what this incident dubbed as the “snappening” means to the sexting culture taking over the lives of teens worldwide.

One of the most disturbing aspects surrounding the snappening is the age of some of the users. Many of them are between 13 and 17, and posting their pictures may violate child pornography laws but that won’t be deterring any hackers soon, sadly speaking, child pornography is a big illegal market bringing in cash and benefits for hackers.

With teens indulging in the transfer of sexting pictures over several sexting websites such as snapchat and its affiliates or copycats, the question remains out there, are hacker geniuses or is the average user making it very easy for his/her information to be hacked into?

There were 326,000 Facebook accounts, 22,000 Twitter accounts 60,000, Google accounts and 22,000 Twitter accounts hacked at some point in time. Some of the victims made it extremely easy for hackers to take their information as their accounts passwords were “123456” or worse: “password”.

Wise people should still take preventive steps. Identity theft is a serious threat as is the threat of having one’s social media account hacked. The Snapchat hack may be the most embarrassing thing that many of the victims will ever endure, it still poses a threat less than having their bank accounts compromised. The best way to avoid becoming a victim of the snappening is to avoid posting nude pictures online and the best way to avoid having a social media account hacked is to follow simple internet safety protocol. The Internet is relatively safe, but there will always be people who know how to bypass the security which keeps the majority of threats at bay. The snapchat password hack wasn’t the first time social media was compromised and it won’t probably be the last. The best advice is to remain private from the source, the user, and not leave everything in the hands of social media security measures.

Ciaran Connolly, Co Founder of NoBullying says “It is quite simple, come to think of it. If you don’t want your nude photos distributed, don’t send them to others and don’t store them on the cloud protected by a flimsy password, true online safety always lies at the hands of the user.”

He added that parents and teachers should make a point to educate the younger generations about the sad outcome of bullying online and offline. According to Connolly, it is quite imperative to press for more firm laws condemning all acts of bullying and harassment. features many pages dedicated to parents, teens, teachers, health professionals as well as posts related to cyber safety and the latest news about law making concerning curbing Bullying worldwide as well as inspirational Bullying Poems and famous Bullying Quotes.

The website regularly updates its bullying statistics and cyber bullying statistics as it is essential to understand how widespread the bullying epidemic is. It also regularly runs cyber bullying surveys and questionnaires to get recent updated statistics on everything related to cyberbullying.

He also added that anyone suffering from bullying in any form or way can always find advice and help on the NoBullying website – but if anyone is suffering from severe bullying or cyber bullying, the best thing is to talk to someone locally – a parent, teacher or local organization that has been set up to help with specialized councilors to deal with this topic.

Q&A: Do Credit Bureaus Really today what they are doing?

Question by 332960013451: Do Credit Bureaus Really today what they are doing?
Do credit Bureaus certainly provide any concern when the credit is messed up or not. Do they even today what they are doing?

Best answer:

Answer by chuck
I think they recognize what they are doing. We need to keep something in your mind inside dealing with them. They almost function for the collection agencies plus lenders. It is within the greatest interest for those to have bad products about a report because it reduces the score plus enables the businesses to charge we high interest rates. They will just follow state plus federal guideines whenever dealing with a rights plus thats just in the event you inform them which we recognize what a rights are (whenever composing letters plus such). The CRA’s aren’t a neighbors. Remember that

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Average Mortgage Rates Today What To Expect Whenever Applying For A Home Loan

San Diego, CA (PRWEB) May 01, 2014 is a borrower guidance site which is focused on assisting borrowers discover house financing which they can love. With initially class info, useful resources plus connections to top rate industry experts, the url has swiftly become a reliable destination for present information plus expert loan guidance. A lately introduced post from Loan Love continues to supply borrowers with all they should discover the number one loan situation for their scenarios by chatting regarding the average mortgage rates today plus assisting borrowers know the factors which influence how much they pays with regards to mortgage interest.

This hot post from Loan Love titled, “Average Home Loan Rates For Hopeful Families inside 2014” explains which those that are hoping to settle their families into a brand-new house this year have possibly been monitoring mortgage interest rates because they function towards getting their finances inside purchase before applying for a mortgage. Loan Love states which because borrowers do this, they could keep in your mind which there are a quantity of factors which can affect the rate which they will anticipate to receive for their fresh mortgage, a few of that the borrower might have the energy to influence plus a few of that borrowers can merely have to deal with because they move forward their unique house buy.

The Loan Love post claims, “Mortgage interest rates could fluctuate daily, depending about domestic plus global financial factors. The LoanLove site offers we with all the present rates, plus latest historical rates, thus to monitor styles. It’s important to keep in your mind, though, which even the many experienced forecaster cannot state with 100 % precision what interest rates usually do this year. In truth, various specialists expected rates might start a slow yet steady climb up at a sturdy pace than the slight increases watched therefore far.”

Loan Love goes about to explain which a few of the factors which influence a borrower’s mortgage rate that they have an actual hand inside controlling are:

    Their down payment size, and
    Their credit score.

As the post mentions, a high down payment can cause a reduced mortgage rate, that might greatly protect the borrower funds over the course of their loan. Loan Love claims, “If you are severe regarding house ownership, we have possibly been placing revenue apart or you’ve newly come into a sum cash to place down towards a hot house. Additionally to what you’ve saved, nevertheless, consider whether a parent or additional close relative can lead. You could furthermore like to look into the potential of taking out a loan against the 401K or pension program to grow the down payment we have accessible for the house buy. This way has become more plus more prevalent because zero down payment mortgages became some plus far between. If you do go the path of the 401K, there are many blessings. Your credit score is not affected plus we pay interest found on the loan to oneself. Additionally, the loan is not considered a element of the debt.”

Loan Love further explains a person’s credit score also offers a excellent impact about what mortgage rates are accessible for them. It says, “To recognize how a score will impact a loan, consider which the variations inside monthly repayments for somebody with all the highest potential credit score versus somebody with all the lowest acceptable score is almost $ 300. Now take which $ 300 monthly over a 30-year mortgage and you may discover that it adds as much as a difference of over $ 100,000.”

The article ends by offering an illustration of how all these factors pull together to determine what mortgage rates a loan borrower could anticipate plus claims, inside summary, “There are a amount of factors which usually determine how positive of a rate of interest you can obtain about a mortgage. While you can not control the criteria which a lender may consider, learning the different contributing factors will result in the loan procedure less of the secret.”

For more info about this topic, click here to read the full post about

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