May - MORTGAGE FINANCING MADE SIMPLE

For the eleventh consecutive year, identity theft surpassed debt collection and internet services complaints as the most prevalent form of consumer fraud, according to the Federal Trade Commission, which received almost 251,000 identity theft complaints last year. For the first time, "imposter scams" - where imposters posed as friends, family, respected companies or government agencies to get consumers to send them money - made the top 10.

Many consumers associate identity theft with email solicitations and computer firewall breaches, but checks, credit cards and Social Security numbers remain targets as well. To protect yourself from becoming a victim, follow these tips to prevent identity theft.

Checks

- Use your initials and last name when ordering printed checks. A check forger won't know how you sign your checks, but your bank will.
- Do not have your home phone number or Social Security number printed on your checks. Use your work phone number. Use a post office box or work address instead of your home address.
- Order new checks from your bank and pick them up at the bank, rather than having them sent to your home mailbox.

Credit cards

- When paying credit card bills, write only the last four digits of the account number in the check memo line.
- Do not sign the back of your credit card -- instead write, "Photo ID required."
- Photocopy both sides of your driver's license, credit cards and other important contents of your wallet. In the event it is stolen, you'll know exactly what is missing.
- Keep a list of your credit card numbers and their toll-free customer service numbers so you can cancel cards quickly if lost or stolen. Keep the list in a safe place in your home, not in your wallet.

Social Security Number

- Do not carry your Social Security card in your wallet. Memorize the number and put the original card in a safe place.
- If you believe your Social Security number has been compromised, contact the Social Security Administration fraud line 800-269-0271.

PINs and Passwords

- Do not write your PIN on the back of the card or on anything else in your wallet.
- Use different PINs for each debit and credit card. If you have too many to remember, consider reducing the number of cards you carry in your wallet.
- Do not use easily available information, like your birth date, phone number or part of your Social Security number, for PINS and passwords.

Mail and Trash

- Use post office collection boxes for outgoing mail, rather than your home mail box.
- Shred any trash that may contain personal information, including charge receipts, credit applications, insurance forms, medical statements, checks and bank statements, expired credit and debit cards and direct mail credit offers.
- You can opt not to receive direct mail credit offers by calling 888-567-8688.

If your wallet is stolen, you should immediately:
- File a police report to document the theft and the wallet contents.
- Contact one of the national credit reporting organizations (listed below) to have a fraud alert placed on your name and Social Security number. The organization you contact is required to contact the other two. If the thief's purchases initiate a credit check, the credit reporting organization can alert the merchant. Placing a fraud alert entitles you to free copies of your credit reports.
- Equifax 800-525-6285
- Experian 888-397-3742
- Trans Union 800-680-7289
- Close all accounts for missing credit cards. Check your credit reports for accounts opened fraudulently.
- File a complaint with the Federal Trade Commission, which maintains a database of identity theft cases, online at www.consumer.gov/idtheft . This database assists law enforcement agencies and helps the FTC learn more about identity theft.
- Notify your bank if your wallet contained a checkbook or debit/ATM cards.

There comes a time each year when we need to turn our attention to house cleaning. We are usually busy doing daily and weekly chores, but once in a while a deep cleaning is needed for the house. The warmer weather provides the motivation needed to get rid of dust and grime accumulated during the winter months. The warmer weather often calls for outdoor activities and spring cleaning gets far down on the list. Here are some tips to help you get organized and take time to complete this chore.

1. First, decide how much time you want to dedicate to the task. Some people may prefer to spend the entire weekend while others may prefer to devote a few hours of each day over several weeks.

2. Ensure that you make your task as enjoyable as possible. Put on your favorite music and be sure to take sufficient breaks. Order your favorite take-out food as a treat at the end of the session.

3. Ask for help if you can. Get your family or friends involved.

4. Be brutal about getting rid of items you no longer have any use for. Sell them, offer them to friends and family or donate to charity.

5. If you are disposing of hazardous materials, ensure that you do so in an environmentally friendly way. You can either deliver them to a waste station or contact utilization companies for a pick-up.

6. Feel free to rearrange your furniture when spring cleaning your house. If you can afford it, spring cleaning offers a perfect opportunity for re-decorating or re-painting.

7. Spring cleaning is a great way to get rid of the old and bring in the new. Pay attention to every area. De-clutter your bookshelves, cabinets, clothes and even your computer.