Identity theft has been a hot topic in the news during the last few years. Just a month or so ago, forty million credit card numbers were compromised due to a computer attack on a credit card processor. Consumers are rightly concerned, as it can take years to unravel the problems created when someone?s identity is stolen. New legislation in Texas and California, also proposed elsewhere, is designed to protect consumers by letting them put a ?freeze? on their credit reports. Those in the real estate industry are worried, however, that doing so may make it difficult for some people to buy homes.
The concept of freezing credit reports is a simple one. Every time someone applies for credit, the lender contacts on of the three main credit bureaus and requests a copy of his or her credit report, which contains the applicant?s FICO score. The score, a number ranging from 300 to 850, indicates how worthy the applicant is to qualify for the loan or credit. The new laws allow consumers to ?freeze? their credit reports, effectively blocking any attempts by anyone to view his or her credit score. If the score can?t be viewed, then credit can?t be issued, thus protecting the consumer from fraudulent activity.
The process is a simple one, and can be initiated or canceled with a simple transaction on the Internet. The problem, according to those in the real estate industry, is that this simple security precaution may make it difficult for a consumer who has blocked their credit to buy a home. In many markets, homes put up for sale sell in a few hours or days, and the process of unfreezing a credit report can take longer than that. If a home seller or lender cannot assess a potential buyer?s credit rating, then the home sale may be lost to another buyer. True, it is a simple process to unfreeze a credit report, but some consumers may forget that they froze their reports in the first place, or they may forget or misplace their username or password for the Website that allows them to unfreeze their report.
On the surface, the new laws to protect consumers seem to be a good idea, and those in the real estate industry who are concerned may find that their worries are unjustified. This is a case where all parties would benefit from taking the time to see if the laws are effective, and whether or not they actually hurt the real estate industry. In the meantime, anyone considering purchasing a home should be made aware of the ramifications of freezing their credit, as doing so may make it more difficult to purchase the house of his or her dreams.
Accounting For Nursery School Business Articles | July 29, 2015 Updated July 21, 2015?Back in 1990 I picked up my first nursery school client. It was a smaller center, rated for...
Updated July 21, 2015 ? Back in 1990 I picked up my first nursery school client. It was a smaller center, rated for only 39 children, in one of the worst neighborhoods of Chicago. Many years later, I asked the client why she hired me. Her response still makes me grin. She said that I was the only accountant actually brave enough to park his car in that neighborhood and come in to see her. ? Originally, her center had significant accounting problems. She had not filed a tax return in two years. Her payroll tax deposits were significantly behind. She needed a loan to purchase a new center, and everyone had turned her down. ? A lot has changed since then. ? She now has three centers, all rated at 99 students. She just finished a renovation of two of her schools and is now accepting infants. She has gone from being a significant tax compliance problem to a significant tax planning case given her annual profits. But one thing has not changed since I met her. She’s still a great teacher, and she still cares and loves her students. ? She cared enough about her center to hire us. It has certainly not been the easiest of accounting jobs, but it has been quite rewarding. We know that we are a part of a team, helping to educate and protect children from some of Chicago’s toughest and most dangerous neighborhoods. ? Its been a great twenty-five years. ? If you are having problems with your Accounting for Nursery School or have issues with your taxes in general, we would love to help. I enjoy hearing from my readers, and can be contacted at ? Chris@ ? Additional Accounting Articles and information on my firm can be found at ?
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If you have the habit of smoking e-cigars then you will already be aware that Ego cigars are a popular model in this sector. This model e-cigar is highly affordable, has long battery span and goes well with atomizers with very low resistance levels to make sure that the vapour offered is of high quality even while using a smaller e-cig. Many manufacturers offer this model cigar of Ego Vape and smokers love it for the compact and simple design it comes with. However with so many variants available in this electronic cigar model such as Ego Mini, as a first time buyer, you might need some guidance to choose correctly.
What does e-Go cigar consist of?
Generally this model of e-cigars is made with the following components.
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