What Is The Best Identity Theft Protection Service For You?

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Identity theft protection companies are a dime a dozen on the internet. There are a few industry leaders who provide great services, but what separates the best from the rest? The services offered by a variety of different identity theft protection services will be examined so you can understand exactly how your identity is being protected. Identity theft protection services are provided for both individuals and families. Their services can be broken down into credit monitoring and reports, protection services, and recovery services.

The first thing you should determine is your budget and whether you want individual or family protection. Most protection services are offered at a price range from $5-25 a month. Most services will provide discounts for longer terms, like annual subscriptions. Obviously if you have a family you will want to protect their credit as children are commonly targeted due to their clean credit history’s. You should find some reviews of identity theft protection services you are interested in. While most services will provide a guarantee of their service level in the form of identity theft insurance, you should take care to read the policies of an identity theft reimbursement insurance plan before making the purchase.

Credit monitoring includes your credit reports and in some cases scores from credit bureaus. You can usually read through the report in your dashboard. Many services also proactively monitor the web for private and public records with reference to your identity. Companies like LifeLock will automatically opt you out of pre-approved credit offers and take further proactive action to prevent your identity from being stolen. Markets which sell and otherwise expose identities are also monitored for your identity. When your information is removed from these malicious websites an identity protection service will continue to monitor the page for a repost of your information, so it can be removed again.

Recovery services offered by identity protection companies include assistance with cancelling your cards when they are lost or stolen and 24/7 access to credit experts. Most companies offering these services have exclusive contacts with crediting companies, and if necessary, will make contact with a creditor to resolve misuse of your identity. Any misuse of your identity with government agencies and private companies will also be cleared up.

If you are not currently protected you may want to consider subscribing to an affordable identity protection service. There are many options to choose from and with identity theft affecting nearly 10 million Americans everyday.

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Website Indexed in Days – How to Get Your Site Indexed in Just Days by All the Search Engines

Some people have trouble getting their site indexed quickly by the search engines. There are a number of easy ways to make sure that your website does get indexed and quickly.

What is indexing?

It is the adding of a website or web page to the index of a search engine like Google, Bing, Yahoo! or Ask. The index of these is the collection of web pages that they have crawled and can return in a search result.

Obviously if you want to show up in search results to get free traffic it is crucial that you get as much of your site indexed.

Hypothetically search engines are happy to index a website within seconds if they see it as very important. So the key to getting indexed is making your site seem more important. There are a number of ways to do this.

Build high Page Rank backlinks

Backlinks are links from one website to another. They are seen as a vote for a website. The more votes a web page has the more important it is. Unfortunately backlinks are not made equal the more Page Rank they carry the more important the vote is to the search engines. Here are a couple of easy link build techniques:

Article marketing

Writing and submitting articles to article directories is a great way to build inbound links. This is because all article distribution sites allow you to place links at the bottom of your article to your website.

Write an eBook

Writing an eBook and giving it away for free is a fantastic way to build a profile for yourself as an expert in your field as well as build high quality backlinks. You can place as many backlinks as you want within the text of the eBook and then all you have to do is to get other sites to host it and make it available to their users. There are a number of eBook directories for free eBooks.

Video marketing

Much like article marketing, video marketing is creating videos and submitting them to the numerous video directories like YouTube. You can place a hyperlink at the start of the description of the video.

There are a couple of other ways you can make your website so that it will be indexed in days

Site architecture is very important. In general a three tier system is preferred in particular for small to medium sized websites. This entails only having any of your pages within two clicks of a button i.e. you could go from your homepage, to a second category, to any page on your website. This is ideal for a search engine robot who wants to be able to navigate a site easily. Another important part of site architecture is internal linking which is linking from one page of your site to another. The search engine robot wants to find its way around your site by following links so oblige it by placing links within the text, as well as in images and navigational bars. The use of breadcrumbs is another great way to break your site into easily accessible categories.

Create an XML sitemap, this a sitemap that is only available to the search engine. You can create one on any number of free tools. It is basically a list of all the pages you want indexed on your site and their importance. You submit the sitemap to the search engine from their webmaster section and they will prioritise their robot’s visits to your site. It will go to the high priority pages first making them the most likely to be indexed.

Don’t worry too much about indexing if you have high quality content and a website that complies with the search engine’s guidelines you will have most of your site’s pages indexed and showing up in the natural search results.

All About the Starcraft Mods

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StarCraft is a military science fiction video game that came on the market in 1998 from Blizzard Entertainment. It has become one of the best-selling computer games with more than 9 million copies sold throughout the world. It is regarded as one of the best games of all times and raised the bar for the development of future video games. Based on the success of this game Starcraft mods have also been developed, by hackers who want to cash in on this success and make money on their own.

Many of the custom modifications you get when you purchase the StarCraft game use the same editor. However, with some of the newer games you have to make a few custom hacks changes to be able to get around the restrictions of the existing editor. Some of the mod creators even record their own sound effects and voices, but for the most part they still exhibit the same polished integrated structure as the original game. This is because it is relatively easy to break the balancing and produce artwork that fits in with the Blizzard creations.

There are custom mods for the StarCraft game that do have changes made in the programming. This gives these mods their own unique take on the game. Hackers that create these mods can adapt the StarCratft files and have different sounds and graphics. Some of the mods are even more intense than the original game providing for single players. Others have made extensive changes to the sound and graphics and even the action of the game itself.

There are many different mods of the StaraCraft game, some of which vary little from the original. They include:

– Aliens vs. Predator: Retribution TC – this is a German speaking version of the game with total conversion

– Brutkrieg.de’s TC pack – This German version of the game features a collection of homemade add-on packs and TC’s. They are bundled together and sold as one package.

– Gundam Century – This was originally called GundamCraft that replaced the StarCraft graphics with the manga mecha characters of Gundam and their robotic vehicles. The game also replaced two of the StarCraft races – Federation replaced Terrans and Neo Zion replaced Protoss. The site was shut down for a while, but is now live again. However production of new mods has not resumed.

– NeoTech – This mod features an upgrade to all the Terran forces with most of the units replaced by units that look more spectacular.

– Open Rebellion – This is a total conversion of the Brood War that very closely resembles the original version.

– Robotech: Enemy Frontier – This is a total conversion of the Robotech game of the 1980’s.

– StarCraft Sickel Add-On – This is a fan built extension kit for the Brood War game. It adds to the existing line of units and allows for the addition of new units. There are two new Terran tanks, a new Zerg unit and several capital classes of Protoss.

– StarCraft Team Fortress – This mod totally changes the game so that it is somewhat like the Half-Life Team Fortress.

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Risk Free Real Estate Investing

There is no such thing as a risk free investment. But there are ways of investing that can reduce the risk well below what any investor would consider to be acceptable. Investing in National Rental Affordability Scheme (NRAS) Real Estate is arguably the lowest risk real estate strategy available in Australia today.

Reduced Risk Profile

 

  • With rents at 20% below market value and a large pool of eligible tenants, investors can expect reduced vacancy risk.
  • With rents at 20% below market value and tenants qualifying income levels at up to $100,000 investors can be more selective in their choice of tenant.
  • Certainty of contributions from the Australian and State governments for a period of 10 years. Improved Rental Yields
  • The $9,140 annual National Rental Incentive for each rental dwelling, combined with the actual rent will improve rental yields over conventional residential investment properties.
  • The national Rental Incentive is income tax free, indexed to the rental component of the Consumer Price Index (CPI) and is additional to existing taxation arrangements including depreciation.

Further Benefits

 

  • NRAS is a Government Subsidised Property Investment
  • Secured Income Stream (10 Years)
  • Potentially Cash Flow Positive Investment
  • $90,000 Plus Tax Credits Over 10 Years. These are tax credits, not to be confused with tax deductions. Tax credits are effectively cash in your pocket. If your tax liability is lees than the credit, the difference is paid to you tax free.

 

NRAS property investment can counterbalance the risk and volatility of equity markets and helps to provide a balanced portfolio. The location of the properties and the attractive rents mean a stable and reliable income stream regardless of economic fluctuations.

With more than 1.5 million households eligible to rent NRAS properties, the vacancy risk is negligible. Properties must meet strict criteria for location, available facilities including public transport, schools, shopping centres etc as well as a healthy balance of rentals to owner occupied residences. All of which means high demand from tenants and potentially strong capital growth.

Investors can pick any tenants for NRAS properties, as long as these tenants do not exceed a certain income threshold. Income levels for eligible NRAS tenants are generous and allow for tenant salary increases of 25 per cent above the entry income limit.

For example, a couple with three children, earning a gross income of $100,768 per annum, is eligible to rent an NRAS dwelling. With the income increase allowance of 25 per cent, this family could earn up to $125,960 for two years before they become ineligible to remain in an NRAS property.

So investing in a National Rental Affordability Scheme property means:

 

  • Better rental yields
  • High demand from tenants meaning more choice for owners
  • Negligible vacancy rates
  • Strong potential for capital gains

 

That may not be risk free, but it is possibly the closest thing to it.

Fix My Wii Troubleshoot Problem

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Got problems with your Wii that has a troubleshoot problem? There are 3 ways to successfully solve your troubleshooting problems… What you could do is to send your console to Nintendo, to a repair shop, or you could actually fix the problems by yourself. It’s hard to choose if you don’t know what the best option is, right? Let me help you! I will compare them, and you’ll make a choice, deal?

Sending your Wii that’s having a troubleshoot problem to Nintendo

What you could do is that you send your console to Nintendo. Although, this might sound like a great idea, but seriously, look better! The costs and the waiting times are horrible! Watch this.

When you do this, you’ll have to pay $82,50 and that’s including the handling and shipping costs. That’s quite a lot of money you’ll have to pay there isn’t it? Another huge downside are the waiting times. Many people had to wait literally for weeks and weeks until they had their Wii back.

Send your console to a repair shop

Another thing that you could do, is to send your console that’s having the troubleshoot problem to a repair shop. Basically, this is exactly the same as sending it to Nintendo, but the only difference is the waiting time. The price would be almost the same…

When you do this, you will have to count on a $60 to $80 repair costs. Also, the waiting times are at least 1 week, and could go up easily to 2 weeks… Keep that in mind!

Repair your Wii troubleshoot problem by…. Yourself!

The best option that you’ve got to fix your Wii troubleshoot problem, is to actually fix it by yourself. It will be cheap, fast and easy, as long as you use a repair guide.

This repair guide will help you step by step to fix your troubleshoot problem with easy to understand instructions and detailed photo’s.

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5 Reasons to Purchase an Indexed Universal Life Insurance Policy

As a financial planner, I feel like Indexed Universal Life insurance is one of the most misunderstood and underutilized tools and asset classes in the market today. I believe that this is because of the newness of the product itself. Indexed Universal Life(IUL from here on out) has only been around for a little over 15 years. Because of this, most financial advisors don’t fully understand it. IUL’s came around after they received their education and set their practices. Thus, individuals aren’t learning from experts, but rather, they rely on media pundits for any information on these programs. In an effort to further educate you, and promote a wonderful product, I give 5 reasons to buy an IUL.

The first great reason to have an IUL in your retirement portfolio is the fact that these products provide minimum guarantees. Unlike placing your funds directly into the market, these funds are protected from the market. They earn interest in a unique way. Interest is credited based on the performance of a chosen index. Rather than being invested in the actual market, you merely receive a portion of the index return. Again, the worst-case scenario is that you earn 0% in a given year. You can never lose money due to market fluctuations. Each year that you do earn interest, that interest is locked in and becomes part of the principal amount guaranteed to not be at risk to the market. What a great way to plan for retirement. This system of guarantees also removes the risk of retiring at the wrong time, when your account value is low due to market losses. It also prevents catastrophic damage to your retirement due to losses in the early years of your retirement.

In addition to the downside protection, these products can perform very well; often times outperforming the market returns seen in a typical investment portfolio. So you don’t have to give up a good return to find a safe haven for your retirement nest egg.

The second great reason for purchasing an IUL is the tax-free death benefit.

Life insurance is often used as a tool in estate planning. It is treated favorably by the IRS tax codes. Often, the funds coming from a death benefit from a life insurance policy are passed on to beneficiaries income tax free. Indexed Universal Life is no different. It becomes a wonderful tool to pass on assets tax free. Unlike other retirement options, such as a 401k, the assets held in an IUL pass on without taxes and give you immediate access to the funds, unlike assets held in real estate. It is also very typical, due to the death benefit common in all life insurance policies, that the death benefit will exceed the accumulation value of the account, meaning you not only leave more to your beneficiaries by paying less in taxes, but also because of the higher death benefit.

The third great reason for looking at an IUL is for the incredible supplemental retirement income that can be generated from it. What if you could put an unlimited amount of money into a Roth IRA, pay taxes on the principal now and have an income generated, tax free, for your retirement, and you could even access it early if you wanted? That would be an incredible deal, right? Well, it exists. It’s called an IUL. You can create a tax-free income through these IUL’s without having to worry about the timing of the market. Rather than rolling the dice of where the tax brackets fall out over your lifetime, why not draw at least part of your income through a program that allows you to fund it limitlessly, and not have to worry about paying taxes on the gains?

This is achieved through policy loans. It’s a new concept, but hear me out. Through a policy loan, you are able to draw out an income from your IUL tax free. Everyone always asks me “what if tax laws change?” Valid question. In theory, it is possible that the laws change and these funds do become taxable, but that would be odd. The government doesn’t tax our loans, only the asset by which the loan is guaranteed. Think for example of your car loan… you pay a property tax on that auto, but you don’t have to treat the loan from the bank that you used as income because it wasn’t income, you have to pay it back. These policy loans function the same way.

Diversification is the fourth reason to purchase an IUL. Since the bulk of your retirement funds are probably in taxed deferred savings accounts, like traditional IRA’s and 401k’s, IUL’s can provide a diversification, not only in asset class, but also in the tax treatment of the account. We typically believe in diversification and have been taught that since our high school years, yet we all have our retirement in the same types of vehicles. All are tax-deferred time bombs with minimum distribution ages and minimum distribution requirements or maximum contribution amounts controlled by the government and current economics in the USA. We are all typically in a blend of stocks and bonds, crossing our fingers that when that day comes to retire, we are up, not down. Hopefully we’ve picked well, though we be uneducated as can be, and yet we bank on this as our retirement program and a whole industry has built itself around it. Amazing that we’ve heard this same concept preached for over 2 decades and we’re still drinking the kool-aide. I’m not going to tell you to not drink, just try a different flavor for a minute. It should be noted that when taxes go up, and they inevitably will, you will pay taxes on those funds that are in taxed deferred accounts. This can hurt the value of the dollars you have saved in those accounts. There is also a little thing called an RMD. Required Minimum Distributions are what the federal government requires us to withdraw from our retirement accounts, based on our age, as a percentage of our account balance. There is always the possibility of these percentages increasing so the taxes can be collected on these funds. This could also cause you to withdraw funds you don’t need. An IUL gives you a great hedge against these potential tax issues.

Finally, the fifth reason to purchase an IUL is because they allow you to work towards becoming your own banker. Have you ever found it odd that you borrow money from a bank even though you have money in the bank? I have. Most IUL’s have loan provisions allowing you to borrow from and pay back your life insurance. The nice thing is, by doing this, you pay yourself the interest rather than the bank. You continue to have a retirement fund that is growing and you aren’t losing years’ worth of interest to the bank. Think of all the interest you have paid for credit cards, auto loans, your mortgage, etc. You can borrow yourself the money instead and you don’t have to worry about the approval process at the bank. Many business owners feel that term insurance is the only type of life insurance for them because they don’t want to tie up their money. This is a false assumption. The funds “tied up” in life insurance are not locked up, but rather, provide more access to funds than most investment opportunities. The funds can be borrowed and replaced with relative ease, making it a wonderful program for creating your own personal banking system.

One final little bonus is that your IUL is permanent insurance, as long as it is built correctly and you fund it properly. You’ll likely have lifetime coverage, even after stopping your premium payments and taking withdrawals. Long after your term insurance is gone, you’ll still have a death benefit to leave those you love.

For these reasons, along with many others, indexed universal life insurance is a great way to help fund your retirement. It is not perfect for all situations, and it is always wise to consult your advisor before purchasing any retirement funding program. That being said, there are five reasons you should give your advisor a call and find out if an IUL is right for you.