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The Equifax data breach is on everybody’s minds. How can you protect yourself against scammers using your information? First, change your passwords. This is important if you want to make sure that nobody will use your information. If your information has been hacked, changing your password can lock out hackers. Make sure that your passwords are complicated and not easy to figure out. Next, be wary about scammers. You should not believe any person calling your number and claiming to need your private information. To prevent scammers from getting ahold of your information, you should also shred any personal documents before throwing them out.

You should also check your children’s credit reports. Not all children have credit, but if they do, make sure to get them checked. This is because people do not often check them for years and scammers can use information for a long time without being detected.

Tax time is a time you should be especially watchful. You do not want someone with your social security number filing taxes on your name. A good idea is to file taxes early, so you get to it before they do. You should also constantly monitor your bank accounts to make sure that nobody is making unauthorized purchases on your account.

FreedomPlus is a lender that underwrites loans to prime consumers, as well as sub-prime consumers. It is one of the companies in the Freedom Financial Network. They have developed a special process that allows them to provide loans that are low cost and carry a low risk. Freedom Financial Network received a venture capital investment from Vulcan Capital of one hundred and twenty five million dollars, which they used to start FreedomPlus. Their loans are simple with a once a month payment. Loan approval can happen within just two days.

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What are the financial challenges facing a parent during back to school? Well, preparing for back to school is not only stressing but also financially draining. The following are financial responsibilities a parent goes through during back to school.

1. School list

Every school sends out a school list. The parents should ensure that the child has these items when going back to school.

2. School suppliers

Every child, depending on their age and class has different needs. Therefore, the parents need to buy items to help the child to study efficiently in class. These could include items such as binders, planners and so on.

3. Meals

The child should also carry to school a lunch meal. It is the responsibility of the parent to ensure that there is always a balanced meal on the fridge for the child to carry to school.

4. Teacher-parent meeting

Before the school commences, most schools hold parents meetings. It is important to attend such meetings as they help to network with teachers and other parents.

With the challenging economic times, most people are in debt. However, if the debt is overwhelming, Freedom Debt Relief is one of the tested partners in debt relief.

Freedom Debt Relief offers different products to clients that are geared towards empowering them to move away from grave debt to financial freedom. Some of the products the offer includes:

• Debt Consolidation: This plan enables one to pay a single debt instead of repaying different creditors.
• Credit Counseling: Their financial gurus empower one on the possible options they have to get over their debt.
• Cash-Out Refinance is an option mostly for homeowners. It helps them repay their unsecured debt and the bills in one monthly payment.

Freedom Debt Relief also has tools to help one track their debt progress and their monthly repayment process. These products would be of great financial benefit to any parent who is struggling with debt and has to take their child back to school.

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