Fair Labor Standards Act

determine whether you get a good job, a decent apartment, a deal on a cell phone, low or no deposits on your utilities and reasonable rates on your health, car and home insurance. Barry Paperno, manager of customer service for credit-scoring company Fair Isaac, which created the widely used FICO credit score, says, "When it comes to mortgages, auto lending, and credit cards, the higher your score, the lower the interest rate you're going to pay." Bad credit will cost you money. Your credit…

Complete Name: Unit 4 Student Name: Donoho, Leslie ********************************************************************************************************** 1. Case Study: “Don’t Let Crooks Steal Your Identity: How to Protect Yourself-and Your Credit Rating” (p. 225) ********************************************************************************************************** 2. Provide several methods that crooks use to steal your identity. Student Answer: There are several ways that…

Identity theft is a crime that involves a person/imposter taking control of yours or another person’s personal information for the purpose of impersonation. The information obtained by the other can be Social Security number or Driver’s license number which is used to use your identity as their own, also known as identity fraud. The fraud committed can involve making purchases using the victim’s credit card details, opening bank accounts using the victim’s name, conducting illegal…

Identity theft and credit fraud seem to be a common dilemma in our society. After looking over the PowerPoint and doing research, I learned that identity theft can have more negative impact on your life than credit fraud. When your credit card is stolen, all a thief can do is max the card out or open another account. If you’re a victim of credit fraud, sometimes the credit card company alerts you of any unauthorized purchases or unusual spending amount, which prevents further damage from…

Have you ever had something stolen from you? Did you feel sad and respected? Whether it was a wallet getting stole or a million dollar painting, they both have something in common. They both are missing and that’s the important part. When dealing with theft, the officers have to do a lot to try and find the stole thing. In the articles, both of the cases contain work from the FBI. While dealing with a case like that, there is a lot of challenges the FBI and the police have to go through. While…

Understanding the LL Bean Credit Card In the United States, the top five spends for credit cards are clothing, gas, dining out, travel, and groceries. Credit cardholders are using credit cards like cash, which is why 33% of American households have credit cards. These days credit card companies are teaming up with retail outlets to marketing their credit cards better. LL Bean, a privately-held, American mail-order and retail company partnered with Visa to offer a credit card that can be used…

USAA Credit Card 101 When it comes to choosing a credit card, it’s imperative that you choose a credit card that will benefit you overall. With the average credit card debt totaling $5,700, the credit card you choose can easily make or break you. Many budget-conscious individuals understand how credit cards can affect them. However, they also recognize credit cards are important to their budget. With this in mind, they are selective about which credit card they choose, and, of those who qualify…

To continue, another area of concern is your credit. Once you are an identity theft victim, you will have to worry about your credit report. If the thief is able to run up a significant credit card debt in your name and you don’t notice till years later it could demolish your credit score. We covered a story that showed this where a mother stole her daughters’ identity and left her finances and credit in crumbles. Most often than not the credit card bills will go unpaid and it will only lower…

Student Journal 47.1 (2013): 102-112. Academic Search Complete. Web. 3 Oct. 2014. LaToya, Irby “Why Credit Card Companies Love College Students” About Money. Web. 30 Oct. 2014. Luck, Zachary J. “Bringing Change to Credit Cards: Did the Credit CARD Act Create a New Era of Federal Credit Card Consumer Protection? ”Harvard Law & Policy Review. Jan2011, Vol. 5 Issue 1, p1-15. Academic Search Complete. Web 25 Oct. 2014 Mae, Sallie. “How Undergraduate Students Use Credit Cards.” Sallie Mae. Web 4…

0 (a) The arrears rate for all (BTL) mortgages shows the total (BTL) number of mortgages over three months in arrears as a proportion of the total (BTL) number of outstanding mortgages. Data are semi-annual up to end-2007 and quarterly since then. Non seasonally adjusted. (b) The possessions rate for all (BTL, owner-occupied) mortgages shows the total (BTL, owner-occupied) number of properties taken into possession over the preceding twelve-month period as a proportion of the total (BTL,…