Scams & bad deals - Identity theft stands out as the #1 scam. Keep your account numbers and Social Security # out of the hands of those who don't need to know them.
Charge cards - If used effectively, they're great resources, but if they're used badly, it can lead to financial ruin! When you are too impulsive, hide your card! To avoid paying interest and fees, pay off your entire balance each month (on time or early).
Unwanted use of charge cards - If a charge - that you didn't authorize - appears on your charge card statement, contact the credit card company immediately. Follow-up your dispute in writing within 60 days to ensure your rights.
Disputed items - If you are dissatisfied with a service or product you charged with your bank card, first make a "good faith" effort to resolve the claim with the merchant. When you're unable to resolve it, contact your credit card provider and file an official dispute. Do this within 60 days of the charge to maintain your rights to avoid negative credit.
An atm card - If you, or another individual, uses your debit card, money is deduced from your checking account. For pre-authorized purchases (gasoline or motels) a "hold" is placed on your checking account, usually for an amount greater than the expected charge.
Avoid the use of debit cards for mail order, telephone, or even internet purchases. Even if you do not get what you ordered, you may not be able to get your money back.
Reconcile your account. The earlier you do it, the simpler it is. Once you receive your bank statement, review it with your check register - item by item.
Make sure both you and the bank have recorded things appropriately. If you find that the financial institution has made mistakes, or the statement consists of unauthorized deductions, contact them promptly.
Blank checks - Keep your blank checks in a safe place. Although you may not be technically responsible if someone steals your checks and forges your own name, people are often unable to recover their funds that have been subtracted from their account. Banks have several defenses including consumers' negligence.
Bounced checks - To avoid costly bounced checks, tie your checking account to a revolving personal credit line (an empty loan). If you have this kind of pre-arranged plan, and write a check in excess of your available balance, a loan advance was established to pay the check.
Investing - If you can't afford to lose it, do not speculate with it. But if you do have extra funds you would like to build a savings with, it could be great for you. Figure out how a reverse merger and going public may help you by searching: go public.
Risk-free - Nothing is "risk-free". Especially nothing relating to money.
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