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By Charles Essmeier

Identity theft is a growing concern among Americans, and rates among the top five complaints received by states Attorney Generals offices. A stolen identity can lead to tens of thousands of dollars worth of debt in the victims name and it can take years to completely undo the damage done to the victims credit report. Identity thieves can successfully commit crime with as little as a drivers license number or credit card number, but the ideal target of such criminals is the Social Security number. With that number in hand, the identity thief can pass themselves off as the victim and open credit card accounts, bank accounts, and even obtain home equity loans. As more Americans become aware of the problems posed by identity theft, consumers are doing more to protect themselves. This has inspired thieves to look to a new source of identities to steal, and they have found one. They are now stealing the identities of children.

Established in the 1930s the Social Security Administration was set up to provide benefits for retired Americans. Taxes are withdrawn from the paychecks of eligible workers, and each worker is issued a Social Security number in order to keep track of his or her benefits. Over the years, and despite the intentions of those who created the system, the Social Security number has become a de facto national identity number. It is difficult, if not impossible, to engage in most financial transactions without providing that number to the other party in the transaction. In fact, the number itself has become as important as the name of the person who holds it. Over the years, criminals have discovered that by obtaining the Social Security number of someone else, all kinds of illegal activities are possible, including obtaining loans in the names of the owners of the stolen numbers.

With more people now aware of the potential of identity theft, consumers are more carefully protecting their personal information. As a result, thieves are now targeting the Social Security numbers of children. A law passed in 1989 requires parents of newborn infants to register for a Social Security number for their child. That child will probably not need that number until he or she is a teenager, when the number might be necessary to obtain a drivers license, open a bank account, or get a job. In the meantime, the number is not only unused, but the theft of it may go unnoticed. Thieves who obtain a Social Security number of a child know that they can probably use it for a decade without being caught. How can you protect your child from identity theft? Treat your childs personal information as if it were your own, and guard it carefully. Dont give out the Social Security number of your child unless it is absolutely necessary, and if you arent sure if its necessary, ask. Some doctors and hospitals, for instance, request the number as a matter of course, but they may not actually need it. Check to see if your child has a credit report. You can obtain one for free at the free credit report Website. Your child, if not working, shouldnt have a credit report, so if the credit bureaus have one on file, you may have a problem. A childs personal information is as useful to an identity thief as that of an adult. Guard yours and your childrens identification carefully.

Copyright 2005 by Retro Marketing.

About the Author: Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including

End-Your-Debt.com

, a site devoted to debt consolidation and credit counseling, and

homeequityhelp.net

, a site devoted to information regarding home equity lending.

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Submitted by: Lanbo Jiang

Graduating students average $ 80,000 debt

In recent years, the U.S. public and private education costs soaring, even more than the growth rate of medical expenses, more than twice as much as higher consumer price inflation, forcing many students have loans, and debt may lead to young students crisis.

Two-thirds of U.S. college students to carry heavy debt after graduation: graduate in 2009 owed $ 24,000 per person. U.S. non-profit “plan student debt,” said director of Ai snow, coupled with a graduate loan, and parents who borrow the money, estimated that each students complete their studies, an average of $ 80,000 in debt. She said: “all kinds of schools, all students are increasing loan demand. In addition to scholarships, students and parents must bear the cost of the loan amount led to continuously improve and exceed the family income and the growth rate of various grants. “

End of this year, Americans owed in student loans is close to 880 billion U.S. dollars, and $ 2,800 per second, the rate of increase to rise. Many students leave the school after the discovery of how serious their problem loans, especially in the current economic downturn, graduation means unemployment, well-paid work is very hard to find, repayment very difficult.

Defaulted loans are five times more than the mortgage but also a serious increase in

U.S. Department of Education statistics that defaulted student loans over the past five years, the doubling in a year nearly 25 million deadbeat, the delinquency ratio of 7%. In contrast, the ratio of credit card debt in arrears is 8.8%, 9.1% for housing loans. Because most student loans provided by the government, any lender of deadbeat taxpayers had to pay for the final.

Activists said the student loan crisis, mortgage crisis may be far more serious, because the majority of student loans and other debt is different from almost no consumer protection laws and regulations, can not be re-run loans and even bankruptcy can not ignore them. This has resulted in people who could not pay student loans could lose everything, even the death of all the parties could not escape.

Grand New Jersey couple’s only son last year to participate in a car accident shortly before the Securities and Exchange Examination killed, the results they claim the student loan scheme to guarantee their loans more than 81,000 U.S. dollars in debt. This is when the car salesman, respectively, and school teacher couple said: “how are we to do? How we come up with so much money?” This is what millions of American students and families facing problems.

Leading to much higher university tuition fees protest

To a recent College Board report shows that rising tuition fees in recent years, American University. The Council announced the “University of cost trends,” the report noted that last fall, the average four-year public university tuition rose 6.5%, the state rose to 7,020 students tuition dollars, out of state students compared to 18,548 dollars; private universities, the average tuition fees rose by 4.4% to 26,273 dollars.

It should be noted that the children of ordinary people’s public universities rose more than private universities, students and parents were hurt. Anxious parents and students to become the most common emotions. The source of anxiety for the financing of the financial crisis is the enormous pressure on tuition. University of dissatisfaction with the American public has been accumulated over the years. 2008 financial crisis has led many people lost the ability to pay college tuition, or will.

For two years, public school tuition and fees rose more than private schools. In which different states increase, Florida, New York and Washington public college tuition rose more than 15%. University of Maryland, the program will use the funding economic recovery this year’s tuition. The worst case of California. Because state government is facing bankruptcy, for two consecutive years, a substantial increase in the California State University, tuition fees 220,000 students in 2009, up 32% this year and up 8%. And to consider more than 30% hike next year, has triggered a strong rally of students.

Experts have pointed out, many people worried about the situation this year, states will not improve. Because most of the state’s economic recovery funds have been spent now, and very likely, the plight of the state budget will not end. Experts predict next year’s tuition at public universities should also rise, because of the limited state budget, public schools, from the financial predicament in the higher difficulty out. According to U.S. media reports, this year, the United States more than 30 states throughout the students and teachers of more than 100 activities were held to protest a sharp rise in tuition and education funds and programs have been cut situation.

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Get Back Beautiful Smile with Dental Implants

by

Ron Barbanell

Most individuals looking to have their teeth replaced turned to dental implants as a reliable option. The reason for this is that dental implants have proven to be durable, safe and a viable replacement option for missing teeth. Dental implants replace the missing tooth, while at the same time not harming the neighboring teeth.

Individuals with a beautiful smile tend to have more self-confidence. This is a fact that almost every one of us can attest to. Throughout our lives we have all had to deal with a dental problem, no matter if it is a missing tooth, a cracked tooth or discolored teeth. When facing these oral health problems, our self-esteem diminishes. If we have a missing tooth, especially one in the front, our first reaction is to put our hand over our mouth when we talk or when we laugh so that others do not notice that we have missing teeth.

In addition to the negative impact on our self-esteem, dental problems can be very harmful if not treated in the long term. Dental care is expensive. It is a good idea to become familiarized with the prices that different oral surgeons charge for dental implants so that you can find one that provides high-quality service and cheap dental implants. Advances in dental implant technology have greatly reduced the recovery time for patients.

Dental implants are not for everyone. For example, people who have poor oral hygiene or who have addictions to drugs or alcohol that could lead to infection or diseases may want to avoid dental implants. This includes individuals who chew tobacco, smoke or use illicit drugs.

Dental implants

installed by a reputable dentist will last for a long time. High-quality dental implants do not need to be expensive. There are many options available that are fast, safe and reasonably priced. Sit down and talk with your dentist and ask about the different pricing options that they have available. Have them tell you about the high-quality, cheap dental implants they have available. Let them work with you to help you improve your oral health, improve the beauty of your smile, remove any pain or discomfort that you have, and help you get back to having the quality of life you deserve.

Ron Barbanell began performing dental implants in 1979 after a year-long program offered at the University of Southern California. I have successfully placed thousands of implants since then.

Article Source:

ArticleRich.com