Montgomery Rider Education Program, Inc.

Welcome to the exciting world of motorcycling!

As a new rider participating in motorcycle education and training activities, you’re about to embark on an adventure that only motorcyclists can know.

If you’re an experienced rider who has taken some time off from the thrill only two-wheel exploits can bring, welcome back! You are certain to renew the skills necessary for motorcycle enjoyment.

Motorcycling can be quite a challenge, not only in learning the controls and acquiring the basic skills, but also in negotiating through real world traffic conditions. If you’re willing to embark on a journey that develops the special skills and strategies of a good motorcyclist, there is a course for you. Below are just some of the benefits:

Greater Confidence

One RiderCourse® graduate summed it up: “It is scary to imagine going on the road without having participated in the RiderCourse®.”

Improved Skills

Here is a comment from another graduate: “I have become more defensive and observant, not only while riding a motorcycle but also when driving an automobile.”

Licensing Test Waivers

Tennessee waives both the written and riding portions of the motorcycle-endorsement test for students who have successfully completed a RiderCourse®.

Insurance Discounts

Many insurance companies offer discounts on motorcycle premiums to students who have successfully completed a RiderCourse®. Contact your insurance agent.

Base Access for Military Riders

Successful completion of a RiderCourse® is mandatory for base access for many motorcyclists in the armed forces.

Protecting Yourself and Your Child’s Identity At Tax Time

identity thiefA common scam that cyber criminals pull on innocent victims around tax time is to file your taxes for you, so they can receive your tax return, which is often worth hundreds, and even thousands of dollars. See, around tax time, information is flying all over the place online. All of this activity can lead to scammers phishing for credit cards and Social Security numbers, although, this is such a busy time of the year that perpetrators often go unnoticed. Tax time is essentially the perfect breeding ground for cyber criminals.

Let me let you in on the second part of this very vicious tax scam, and that involves your children. Scammers will oftentimes claim your kids on your taxes, so they can receive your tax breaks. Not only that; most children are not as jaded and on-guard about identity theft because they are too young to own credit cards, which makes them sitting ducks for cyber terrorism and identity theft. Imagine all the scams that your children are left vulnerable to, all because of their age.

Protecting Your Children From ID Theft

A savvy scammer could receive credit cards in your children’s name once they are 18 years of age because they’ve stolen all your children’s identity information. WARNING: If you try to claim your kids on your taxes and you are unable to, then someone has probably claimed your income taxes, and your children for you already, just waiting for you to pay your taxes for second time and receive your tax return. If this happens, contact the IRS at once to quickly rectify the situation.

The time that it takes to fix an identity fraud case with the IRS can vary depending on the severity of the scam pulled against you. If you feel that you have been scammed, is only wise to check with your credit card provider to see if your credit card has been used by anyone else other than you. Also, you want to check to see if there have been charges added to your credit card that are not yours. If you are suspicious of fraudulent activity executed in your name or identity fraud with your Social Security number, it is only wise to set up a fraud alert to automatically contact you, just in case it discovers any charges to your credit card that seem a little out of whack.

There are a handful ways that your cyber security can be breached and identity theft can take place, from having your purse or wallet misplaced or stolen or providing your social security number to an unscrupulous salesperson that requests it. Identity thieves have been known to rummage through people’s trash to find items that link to potential victims, not to mention the spyware that gets automatically downloaded on computers every day from visiting the wrong website or downloading the wrong movies. It is also possible for a computer virus to hack the auto fill information in your browser to gain access to Social Security and credit card information that you have previously filled in.

The best way to protect yourself is to keep your Social Security card at home, so in the case that your wallet is lost or stolen, identity thieves do not have access to your Social Security number. Please make sure that you always keep your computer up to date with the latest antivirus software and as an extra precautionary measure, it would be wise for you to file your taxes online, because if there is a problem and someone is attempting to file your taxes for you, you can rectify the situation quicker if you file online, whereas if you file in person, it could take seemingly forever to resolve these issues.

Resources:

Credit Monitoring Services: A Necessity In Today’s World

bad creditCredit monitoring services are one of the most important industries in finance today. In today’s world, a credit score is important and sometimes required to rent an apartment or borrow money. Some employers will check a potential candidates credit score just to be sure, especially if the job is with a bank or another financial institution. First of all, a credit score and a credit check are two entirely different things. A credit score is a basically from a lifetime accumulation of making payments, both the amount and whether they are on time. A credit check, on the other hand, checks your credit score from three reporting agencies and alerts you of anything that may be outside of what you can expect.

What is a Credit Report?

Credit reports are known for how many mistakes they have. According to some experts, over fifty percent of credit reports have errors on them. Errors on credit reports may mean that you can be denied a loan when you should not be, due to debt on your name you never signed up for. If errors are found on credit reports, you can dispute the error. However, even if it is cleaned up you may not see the results for up to a month, because banks refresh their credit data every thirty days. As you can see, just one discrepancy on a credit report can delay financing for several months.

The Power of Credit Scores

In today’s world, you should protect your credit score. If you have a low credit score, you can boost it by paying off old and bad debt, and getting a credit card and paying it off every month. To boost a credit score, there are a variety of different methods out there. To keep it simple, never have old debt that is left unpaid, pay all of your bills on time, and keep a credit card and pay it off every month. After making these changes, it can take one to two years to reach an acceptable credit score. However, the efforts and the wait will be worth the effort.

Why A Credit Monitoring Service?

With all of that being said, credit monitoring services are designed to diagnose a credit reporting problem quickly. Many services alert users when “bad” data shows up. For instance, on your credit report there is a bad debt for a $10,000 boat bought in the Cayman Islands. Instead of finding out years later when trying to buy a house, a credit monitoring service will alert you, so you can take action and remove the bad and incorrect debt for your name.

Overall, credit monitoring services are crucial in today’s world filled with identity theft. Keeping a close watch on your credit report can help to mitigate big headaches down the road, especially when trying to apply for credit of any kind. In today’s financial world, a credit score is very valuable and you should do everything in your power to keep it protected. Credit monitoring services are a valuable asset in protecting your credit and against identity theft in the marketplace.

References: