Elder Abuse Financial Scamming of Swindling

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When a family member or loved one gets older, it is common for us to worry about them. Should they be put in a home? How can their needs be best met? Can we trust those who are looking after them?
Sadly, these causes for concern are justified. Cases of abuse are far too common for us to pretend they don't exist. One of the most common forms of elder mistreatment is financial abuse. This article will examine what financial abuse is, how it happens / who does it, and what you can do legally to correct the problem.
What is Financial Abuse?

Financial abuse is a diverse genre of mistreatment that encompasses the illegal embezzlement, theft, or misappropriation of funds or possessions of an elderly individual.
Often older folks have a difficult time managing their resources, and so depend on others to help them. It is at this time that unscrupulous individuals make attempts at taking property, land, goods, and money through acts of deception, intimidation, etc.

Who Could be Financially Abusing Your loved One?
To determine if your loved one is being abused financially, we first have to establish who could potentially be causing the abuse. The culprits could range from close family members to scammers continents away.
Personal Caretakers

A surprisingly large amount of financial abuse cases occur between an older individual and their personal caretaker. Caretakers, who are often relatives or loved ones, are in a uniquely powerful position to commit financial abuse.
With the trust of the victim in hand, the caretaker can slowly steal possessions out of the person's home. They can also use coercion to get the older individual to sign away land, property, or access to bank accounts. Caretakers can also manipulate "power of attorney" and the layout of the last will and testament.
An abusive personal caretaker can be a serious problem as they seemingly have the inside track to all matters regarding your loved one.

Structured Establishments (e.g. Nursing Homes)
Many people worry about the quality of care their loved ones will receive at nursing homes (as well they should be). However, one thing some people forget to do is keep a close eye on how that nursing home charges and handles the finances of the older individual.

Always be certain to compare the level of cost to the amount of care and attention being given. If items and services show up on the bill that you believe have never been performed/given, it is important you follow up with the appropriate administrators.

It is also important to monitor any new 'best friends' your loved one may develop in the home, especially in regards to staff. If the loved one starts adding these individuals into their will or buying lavish things for them, it could very easily be a case of conning, intimidation, or 'sweetheart scamming'.

Scammers
Scammers come in all shapes and sizes and from all over the world. Older people are susceptible to them due to the constant developments in technology and the potential for a loss in mental keen-ness.
Some of the more obvious scammers come in the telemarketing realm. Often phone-scams target older folks who they believe they can scare or coerce. Watch for sharp increases in unusual checks being sent or for a check of exorbitant amount being sent to an unknown person/location. Always follow up with your loved one about these financial decisions and keep a close watch for anything that seems dishonest or too-good-to-be-true.
Older folks are also susceptible to credit card hijacking or other account infiltrating. It can be difficult for anyone to keep their identity and numbers safe, and older people often have trouble keeping up with technology, accounts, numbers, etc.

Legal Recourse if Abuse is Discovered
If you sense foul play in regards to your loved one, don't hesitate to act. Gather as much information and documentation as you can about the abuse being conducted. Find a local attorney in your area that specializes in these kinds of cases and do your best to stay one step ahead of the scammer.
Don't confront the abuser until you are certain you have the legal upper-hand. But more importantly, make sure you gain the legal upper hand as quickly as possible.

Bill Hayes is owner of The Hayes Firm, a specialized personal injury attorney network designed to find the best lawyer for each individual client. Every incident is unique, and it's important to have someone with many years of experience and an extensive network to help you find the right kind of attorney. Elder Abuse is one of Bill's specialties and he will be able to properly guide you through the legal process and get you the help you need. Visit today and receive a free legal consultation!

Elan Credit Card...Mystery Solved

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While completing the research for this article, admittedly I was becoming a bit frustrated. What is it with these companies that have credit cards offers that no one could seem to access online? Seriously, what is the point?

If I am interested in your organizations' credit card, I would expect to go online and search for your card andvoila, an entire website with all the information I need appears. It's not magic; it's the way things should be, any good marketer knows that.

Well to my surprise, this is not what I experienced while searching for the Elan credit card. Instead I was greeted with a card member services page for all my search effort. Now tell me, how can I become a member when I can't even find information on the credit card offer to decide if to follow through with an application.

On further investigation, I realized that the Elan membership page was powered by Elan Financial Services so I thought If I visited their site, I might gain access to the details of the Elan credit card offer.

Once I landed at www.elanfinancialservices.com it became clear why there were no specific credit offers splashed across the Internet and on this occasion I would let go of my frustration because I now understand what Elan is all about.

You see Elan is actually a transaction management company that offers credit cards and other financial services to its partners.

They do not offer credit cards to the general public, but rather they handle the background work such as card authorization processing, system monitoring and point of service transactions to name a few. You can click here => http://www.elanfinancialservices.com/efs/credit_card_programs/index.jsp for more on how Elan works.

You would need to be a business entity in order to benefit from the services of the Elan credit card. This is because your business would partner with Elan to provide credit card services to your customers and management of the day to day transactions would be handled and supported by Elan Financial Services

As an example the following credit cards provided by these two companies are powered by Elan, but the cards are issued in the banks name.

Central Pacific Bank Credit Card
Bloomfield State Bank

Even though the Elan option did not work out, there are many other credit card offers available on the market. You can search through many different categories to find the card that is right for your circumstances. Categories include:

Airline Credit Cards
Balance Transfer Credit Cards
Business Credit Cards
Bad Credit Credit Cards
Rewards Credit Cards
Student Credit Cards

These are just a few of the categories available, so don't delay, start your credit card search today.

Effective Ways To Finance A Business Start Up

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A brilliant business idea cannot be executed properly without sufficient start up financing. Most aspiring entrepreneurs do not have enough personal savings to support a business. However, there are other financial resources available for a business and this is what we'll be discussing on this article.

Here are some effective ways to finance a business start up. Before taking on any of these options, make sure you've weighed them carefully and realize both their advantages and disadvantages:

Borrow funds from friends and relatives. If you have friends or relatives that you feel are capable of providing financial assistance, you can ask for their help on providing additional fund to start up a business. Why is it worth it to seek assistance from friends or relatives?

For one thing, you don't have to worry about the status of your credit history since families and friends would not bother to check on them. Second, you don't have to submit paper work such as a business plan or financial statements to get the money. These are the advantages of borrowing from friends and relatives.

However, keep in mind that when borrowing money either from family or friends, it's best to put everything in writing. Don't simply rely on verbal understanding. A written contract that is signed by parties will protect you and your lender in case problems or conflicts arise. It will also protect both of you from damaging your personal relationships.

Get a bank loan. If borrowing from your friends or relatives is not an option, perhaps you can also obtain a bank loan. Businesses who need additional funding for expansion can apply for a loan. However, for businesses that are still on the planning stage of starting up the business, a bank loan can be a difficult shot since most banks would require a business to be in operations for at least two years. In addition, banks generally prefer a client to submit a security for the loan such as a property or an asset. For these reasons, most business owners seek other option other than a bank loan.

Seek angel investors. You can also try seeking angel investors that support businesses in your industry. Angel investors can be individuals, household, an independent group or a financial association who offer funding for businesses.

Try to win a government grant. If you think you are qualified for a government grant, why not apply for one? However, you need to be aware that applying for a grant can take some time, and can even take up to a year of waiting. If you can't wait that long to start your business, better try other options as well.

Business equipment leasing. This is an option if you're on a limited budget in starting up the business. Equipment leasing enables a business to acquire all the necessary devices, machines, or equipment it needs for operations. Thus, you can use the money you have as a working capital or for other purposes in the business.

Obtain a Business Credit Card

A business credit card works much like your regular credit card but with more options that are specially designed for businesses. For instance, business credit cards come with a higher credit limit, which means you can charge more of your business expenses on your credit card without exceeding your allotted credit. The only disadvantage of using a business credit card is that you need to ensure that you can keep up with your payments if you don't want to pay high interest rates and penalty charges.

Home Equity Loans

A home equity loan is a loan secured by your property. The value of your home property will determine the amount of loan you can borrow. A home equity loan is payable after your loan's term which gives you ample time to save up for the money. However, since it puts your home on the line and nobody can guarantee the success of a business, this is not an advisable choice of funding a business.

Effect of BSE Sensex on Financial Market

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The BSE sensex has so wider reach these days that if you will ask about it in a remote Indian city then you are going to receive some positive feedback on its performance. It has been several times that the BSE sensex figures went down remarkably hitting hard the share market operations and forcing trading companies as well as investors to press panic button. The revival process is still continuing and setting a different trend from that of bigger economies of America and Europe, India is fast recovering from the global recession period. The credit for this goes to the Indian government and the innovative financial measures taken up for consideration by the Reserve Bank of India.

The share investors and financial analysts used to discuss a lot on the BSE market indexes. It allows them to brainstorm on the current market situation and devise useful share trading formulas. The BSE sensex chart shows any fluctuation in the Indian share market prices. The BSE sensitive index covers the prices, performance and calculations of 50 US stock trading companies and 30 Indian live share trading companies. All the BSE market indexes present an overall scenario of different industrial sectors ranging from banking to telecommunication and from automobiles to real estate.

The first time investor should be acquainted with the changing market condition that is reflected well in the BSE sensex figures. The BSE sensitive index reveals all information on the rising and falling share prices of BSE registered companies and provides necessary throughput to investors and analysts. Those searching for sources where they can find the price of complimentary industrial products, raw materials, consumer merchandise, electronics, rubber or iron will be able to get them instantly with BSE sensex. With all these useful information the industrialists can remain updated and work out their production strategy in line with the market demand. If you are thinking to invest in stock market then closely watch BSE sensex nifty calculations and news every day so than you can develop powerful investment plans. Your investment should not be all about buying shares for low price and sell for them at much higher price in opportune time.

The best performing companies can help you generate more business profit. But don't wait or watch for the rise in the share prices of companies not showing consistency in either the profit legacy or stock values. In such situations the share prices may fall severely without showing any sign of recovery and bringing you severe loss. Hence the onus will be on the proper understanding of the market dynamics, gathering data about the company, the shares where you are more likely to invest, gathering the most recent stock quotes, reading the BSE sensex market indexes and the list continues.

Edward Jones Financial Advisor Says Plan for the Expected ... and the Unexpected

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Humble TX Area investors preparing for or living in retirement need to plan for the expected while preparing for the unexpected - and position their investment portfolios for both, says Diana Van Horn, an Edward Jones Financial Advisor
How can one plan for the expected?

"First, envision your retirement lifestyle," Van Horn says. "Do you plan on traveling the world? Or will you stay close to home, volunteering and pursuing your hobbies? Or perhaps you'll even work part-time in some capacity."

Once investors know what their retirement might look like, they can put a "price tag" on it, even if it's only an estimate, she adds.

"Try to contribute as much as possible to your retirement accounts, such as your 401(k) and your IRA," Van Horn says. "Then, as you near retirement, you'll have to calculate how much you can withdraw from your portfolio each year without running out of money and determine if your spending habits are suitable for the amount of income you can count on from your retirement plans, Social Security and other sources."

The "unexpected" factors - those variables that will affect one's retirement costs and lifestyle - investors should consider include:

- Inflation - Over time, even a relatively mild inflation rate can decrease one's purchasing power and erode the value of investments, particularly the fixed-income ones.
- Market volatility - No one can really predict when the financial markets will move up or down, or how big these movements will be, but they will occur and could affect an unbalanced portfolio.
- Health care- As one gets older, health care costs almost certainly rise, but the size of this increase is difficult to forecast.
- Longevity - One doesn't know exactly how long he or she will live, but longevity will have a big impact on spending and investment decisions during retirement.

According to Diana, investors can position their portfolios for the expected and unexpected by achieving balance, specifically balancing the needs for growth and income.

"During your working years, you may need to focus more on growth-oriented investments, within the context of your individual risk tolerance, your time horizon and your specific goals," Van Horn said. "Even when you retire, youll need growth potential in your portfolio to cope with inflation and rising health care costs."

Retirees also have to think a lot more about their spending decisions, Diana says, so they will need a certain percentage of their portfolio devoted to income-oriented vehicles.

"Your Humble TX financial advisor can help you find the right balance in your investments, both before and during retirement," Van Horn says. "And along the way, you'll likely need to adjust your portfolio in response to changes in your life. But if you keep the big picture in mind by planning for the expected while preparing for the unexpected, you can work toward achieving the retirement that you've envisioned and that you deserve."

Edward Jones, a Fortune 500 company headquartered in St. Louis, provides financial services in the U.S. and, through its affiliate, in Canada. Every aspect of the firm's business, from the investments its financial advisors offer to the location of its branch offices, caters to individual investors. The firm's 15,000-plus financial advisors serve more than 7 million clients and care for $1 trillion in assets under management. For additional Humble TX financial advisor information, visit https://www.edwardjones.com/diana-vanhorn of call Diana Van Horn, CFP at (281) 812-7593.

CONTACT:
Diana Van Horn, CFP
Address: 20121 W Lake Houston Pkwy Suite 800, Humble, TX 77346
Phone: (281) 812-7593
Website: https://www.edwardjones.com/diana-vanhorn

Ease your financial pressure

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Financial pressure is something that more and more people face and suffer from. It can determine a deal of different emotions and distress on personal and mental level. When financial pressure takes control over your life a lot of things happen. You may face problems in your relationships, productivity, even health issues.
When you start working to clean up your financial life you start owning your life again. You will discover that every area of your life will improve: health, wealth, relationships. When you start working on your financial area new opportunities arise.
Here are 4 methods to ease your financial pressure:
1. Start budgeting
People often spend more time to think about where to go out to eat than on their financial budget. Excepting the tax season, almost nobody thinks about their financial budget more than once or twice of month when their bills and installments come. Budgeting is the first step to ease your financial pressure. You have to take your time to list all your income and expenses. Sometimes when you start listing expenses you may find out some ugly truths about yourself. Dont get scared and keep going. Its the only way to start getting back your life.
2. Consolidate your debts
Debt consolidation can be another way to ease your financial pressure. Consolidating all your debts may lead to lowering your interest rates. Definitely having only one payment to consider after you consolidate your debts will lead to more ease in your budgeting and monitoring of your expenses. In the same time, it will lead to lower stress levels and it allows you to focus on your life.
3. Multiply your income sources
Everybody knows the saying about keeping all the eggs in the same basket. How many people apply it on the financial life? Most of the people depend on their jobs. When you ensure multiple streams of income, you will still have money to pay your daily expenses and this will contribute to lower stress in your life. Multiplying the sources of income its one of the best ways to keep your financial pressure on manageable levels. Diversifying your investments, looking for a home based business opportunity, seeking a part time job are the most common ways to multiply your sources of income. Choose the right one for your particular situation and start working on that.
4. Use cash only
One simple and most often overlooked tip is to use cash only. Using cash for every payment will allow you keep track on your expenses and also have a stronger psychological impact. Using cash improve awareness over your spending habits and it allows you to control instinctual acquisitions.
Start acting right now and get back yourr life!

Earn Bitcoins Building Your Business

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