How to cancel a stolen credit card

At some point in our lives we have been victims of someone stealing our credit cards and even those who have been lucky enough to not suffer the panic of being assaulted by criminals, let me tell you that it is just as important for you to know that you have to do at the time of the theft of a credit card, especially when you are out of the country, but even if you are just a few blocks from home.

What do you do when someone steals your credit card?

The first thing you have to do is keep calm, we know that in such a situation it is impossible to be calm, but we need to act intelligently and enter immediately to the official web page of the Bank FNBNorcal and put you in touch with the customer service staff and give the order to do the immediate blocking of the credit card. In the event that you don’t have access to the internet to make the report of the lost or stolen card in the span of 24 hours, then you can make use of the phone numbers corresponding to our bank and call us.

It is important that the customers to keep the numbers of customer service staff that serve in the hours of operation, and the numbers of customer service numbers that serve outside of normal hours, annotated in an agenda because it can happen that in the heist also have been carried out the cell and how to communicate in that moment with our bank. This way you can have full control access to your card, even if you do not have it in your power.

Once you have passed the estimated time, you can request that they send you a new card to the place where you are and enable it via our web site https://www.fnbnorcal.com/. It is important to remind customers that once they have been robbed of their credit card, they must also report the theft to the nearest police station, because many times with blocking the card lost or stolen is not enough, because the criminals will also have access to your ID and insurance card, with this information could do many things, such as:

  • Access your bank accounts over the internet.
  • To access confidential information and financial assistance through the various web sites of the bank of your choice, etc.

Grounds on which insurance company can reject your car insurance policy claim

Your car is one of your priced possessions that you invest your hard-earned money in. After all the real estate and other financial investments, your car is your single biggest asset that you strive hard to take care of. Over the time, this 4 set of wheels becomes your second home, which like family requires your proper care and attention. Hence, insuring it from any kind of damage is of utmost importance.

However, your responsibility doesn’t end thinking that you’ve got a car insurance policy which will insure your vehicle from accidents, collisions, damage from natural calamities, theft, and third party claims. In fact, you need to be responsible after buying that too, as it can lead to rejection of claims.

What if you come to know today that in spite of having a valid car insurance policy, your car company won’t pay for the damages caused due to an accident? What if they have denied your application only become of your own negligence? Disturbing, right? Yes, we relate to your pain.

So to save you from the horror of car insurance claim rejection, here we help you understand the grounds on which your claims can be rejected.

Driving under the influence of alcohol or drugs:

If your insurance company finds out that you were under the influence of drugs or alcohol at the time of the accident, then it has the right to reject your claim straight away. You cannot negotiate in this regard and no court will hear you. Also, and a tough criminal action can be initiated against you.

Driving without a valid license:

The insurance company is liable to reject your claim if you or the person driving the care does not have a valid driving license. Hence, it’s important to be wary not just about the renewal of the policy, but also about the renewal date of the license too. Also, ensure that you don’t allow any person without a valid driving license to drive your car.

Using private vehicle for a commercial purpose:

If you are using your private vehicle for commercial purpose i.e. as a passenger vehicle or a goods carrier vehicle, then the insurance company has the right to reject your claim.

Installing CNG/LPG kit without informing:

Your insurance company would sure appreciate your step of installing CNG/LPG kit as your step towards protecting the environment. But doing so, without informing them would welcome claim rejection as the installation of these kits requires an additional premium.

Not transferring your name in your insurance policy copy after purchasing a used car:

Call it your negligence or forgetfulness, but not getting the car insurance policy transferred on your name  will give the power to the insurance company to discrete your claim. While buying a used car, always remember to transfer your name on the policy papers as the policy will belong to the previous car owner only.

Failure to prevent theft:

Your car is your own property and if the insurance company finds out that your negligence has led to the theft of the vehicle, then they can reject your claim. Hence, the insured should always take all the reasonable steps to prevent the car from any damage or theft.

Consequential loss:

In simple words, a consequential loss is a type of damage arising out of a certain action taken by the policyholder. If your car enters a water-logged area and you damage it while continuing to drive it, then this won’t be covered by the insurance company. Though this could be an unintentional act, a mistake or an emergency, but the insurance company won’t be liable to entire your claim for such situations.

Getting the repairs done before informing the insurer:

Now we understand that you might not call your insurance company while you are in an emergency situation and would get your car repaired on your own. But your insurance company won’t allow you to do this as they would want you to first inform them about it. This is because they can send their authorised personnel to repair your car. But, if first, you get your car repaired and then you call them, then be ready for your claim to be rejected as the insurer won’t be able to trace the accident and repair.

Informing the insurer too late about the damage:

Your insurance company doesn’t tell you to call them in the next 2 minutes of the accident. But they have a limited timeframe of 48-72 hours under which you need to inform them about the accident or any other damages caused.

Damages caused due to mechanical or electrical breakdown:

If your vehicle is damaged due to some electrical or mechanical breakdown and not due to some external impact, then the insurance company has the right to reject your claim.

We know that you buy a car insurance to financially protect yourself and your car. But there may be circumstances under which your claims can be rejected. So always keep in mind about the above-mentioned grounds to ensure a swift and hassle-free claim process.

Senior Citizen Travel Insurance: How to find insurance for over 60 yrs

Travel has no age limit. Both young and old alike enjoy travelling. While for young travelers travelling is an adventure, people in the older ages find travelling, relaxing for their mind, body and soul. When it comes to travelling one cannot forget a travel insurance plan. The plan provides a comprehensive scope of coverage against possible contingencies faced when travelling. As such, a travel insurance plan is useful. But, what if you are a senior citizen? Can you avail a travel insurance plan?

Yes, you can. Though normal travel insurance plans limit the entry age to 60 years or 65 years, there are specially designed senior citizen plans which are available for senior citizens above 60 years of age. Do you know how to find such travel insurance plans? Let’s find out:

  • Go online

The best place to find a senior citizen plan is the online marketplace. Online web aggregators and brokers list all the senior citizen travel insurance plans on their platform. You can get quotes from all insurance companies which offer a senior citizen travel insurance plan. Coverfox is an online broker which has a list of available senior citizen travel insurance plans on its website. You can enter your travel details and easily find an ideal plan which meets your requirements.

  • Compare the coverage features

While the online marketplace lists all the available plans, you can find the best senior citizen travel insurance plan only after you compare. You should compare the available coverage options. Some common coverage features in the plan include the following:

  • Any medical emergency faced when travelling abroad
  • Medical evacuation
  • Repatriation of mortal remains
  • Any accidental injury suffered when travelling
  • Accidental death faced while travelling as a passenger in a common carrier
  • Loss or delay of baggage or loss of passport
  • Trip cancellation
  • Trip delay
  • Compensation payable to a third party for any bodily injury caused to them
  • Dental treatments availed due to accidental injury
  • Emergency cash allowance in case of a crisis, etc.

Some policies also cover your home against burglary when you are travelling. The exact coverage features differ across plans and so you should compare and choose a plan with the most comprehensive coverage benefits.

  • Pay attention to limiting conditions

Since a senior citizen travel insurance plan covers older individuals, there are some restrictions on the coverage allowed. Before buying a plan, you should consider these limiting conditions. Look out for the following points:

  • The available Sum Insured – senior citizen travel insurance plans have limits on the Sum Insured available. Coverage is, usually, available for $100, 000. However, there are some plans, which also offer higher Sum Insured levels, but these plans have a high premium rate.
  • Pre-acceptance medical tests – insurance companies might insist on you undergoing a pre-entrance medical check-up before the policy is issued. This check-up is meant to determine your health conditions when you are applying for the policy.
  • Conditions for covering pre-existing illnesses – pre-existing illnesses are, usually, excluded from most travel insurance plans. However, senior citizen travel insurance plans might allow cover for pre-existing ailments in life-threatening situations. If you already suffer from any existing ailment, look at the coverage for pre-existing illnesses in the plans you compare.
  • Plan exclusions – some instances are excluded from the plan coverage and you should find out these exclusions before buying the plan.
  • Compare the premium rates

The last step to find and buy a senior citizen travel insurance plan is to compare the premium charged by the plan against the coverage granted. While comparing the premiums don’t forget to compare the coverage too. Make a rational judgement based on the coverage vis-à-vis the premium. If the plan has an exhaustive list of coverage, a slightly higher premium would not be a bad deal.

Buying a senior citizen travel insurance plan is not difficult if you know how. The above-mentioned points guide you through the process of buying the best senior citizen travel insurance plan to insure your trip. Follow the steps and buy the best policy.

Invest your money in certain commodities and increase your financial status

Earning money is the main motto for many people and so they are investing in the Foreign exchange market which is called Forex. There are many authorized brokers available for you but it is essential to choose the best as well as the safest broker to invest in the Forex market. This is the best place that makes the biggest opportunity for the people to invest their money as well as other stocks and commodities. These brokers are formed with the help of the finest financial trading experts and they are highly interested in teaching the trading mechanism. If clients have more experience, then they will make them learn the best and the latest strategy that depends on the investing money of the client. These service providers will help their client with an excellent feature as well as the facilities. These financial experts will help you by offering the free recommendation signals which will provide a certain recommendation on the commodities. These recommendations can be intimated to the client with the help of text message or by using the email services. This is a highly useful service for all the clients that makes them get updated with the latest news. Use the best cms trader platform and invest your money in the safest way that makes you live a convenient life in the future.

Advantages of online trading

Normally, the trading company will help the client to trade the silver as well as gold using this platform. This is because most of the people are highly considering that investing money in these products will make them remain on the safeside even when it goes down. This platform can be directly accessed by using the internet facilities. The main advantages of using these trading options are listed below as follows.

  • Make you get a competitive price as well as a fixed variable (narrow margin) without collecting any commissions or hidden fees.
  • As per the commodities and the stock, the silver and gold are the safest haven.
  • Volatility of the silver and gold will make you gain more advanced opportunities.
  • You can control the size and of loss as well as profit.
  • This Forex market can be used or accessed at any time.

These are some of the common benefits of using the Forex market that helps in currency trading that make you both buy and sell the gold on this platform.

An effective way to safeguard money

The spot price is made at the starting stage and will make you pay the actual deal after two days. The cms trader is offering a huge and beneficial service for the people and that make them invest in certain required commodities in the single platform. There are many online sites now offering a huge service for the people and helps them to understand the mechanism in an effective way. Choose the best broker in online and invest your money on special products that will make you gain profit and prevent from loss. To know more about the service offered by them, visit the online location and enjoy more.

 

Key Points To Consider When Getting A Home Loan

Buying a home is one of the biggest accomplishments of a person’s life. But, if you are a first-time homebuyer, you may feel overwhelmed by the tedious process of home buying, especially because you may not be familiar with some crucial aspects of home purchase, like how to get a home loan, how to find competitive interest rates from different lenders, and what documentation is required, among several other things.

If you are not fully acquainted with all the details about the home buying process and about how to get a home loan, you can seek professional help from a number of online services which give you a clear idea about all the facts linked to the home buying process. With a little assistance from these online services, you can learn some important things related to the purchase of a home such as determining your budget, applying for a home loan, calculating your monthly payments, and keeping track of your home-ownership process.

When you are doing the prep work to apply for a loan for purchasing a home, you should remember that getting a home loan pre-approved by a lender can be a less time-consuming process if you have all the requisite documents in order.

Though your lender may ask you to supply some additional documents or other information for completing your home loan application, there are some important documents which you should keep ready when you decide to apply for a home loan. These documents include:

  • A recent salary stub with year-to-date pay details
  • Two years of W-2 (wage) forms/tax returns
  • Contact information for all employers for over the last two years
  • A copy of transfer orders/relocation agreement
  • Bank/stock statements for the past two months
  • VA documentation including COE (Certificate of Eligibility)
  • Year-to-date Profit and Loss Statement (if you are a self-employed borrower)

Along with the above-mentioned documents, more documents may be needed if your income is not regular or if you receive government benefits, alimony, or child support. Moreover, a lender processing you home loan application will also require you to provide details about your liabilities. You will have to provide account, balance, and payment details for all obligations like mortgage loans, auto loans, student loans, and credit card accounts.

Furthermore, in some cases additional disclosures may also be required if you have filed for bankruptcy, or sold your home in a short sale (or lost a home in a foreclosure), or if you plan to keep your present home as an investment property.

Finally, when you know all the basics about how to get a home loan, you can keep all the necessary documents ready, for providing them to the lender from whom you want to get your loan application approved. In addition to the required documentation for a home loan, you should also find out your credit score, because lenders mostly predict your future financial behavior on the basis of credit report and credit score. Overall, all lenders generally require borrowers to have ample down payment, excellent credit, and two years of employment history.

 

Services provides in hot stock trading

One of the best strategies following in this hot is that buy low and sell higher. Nowadays many of the stock exchange traders are using this method and they need to stay here for long time. Mostly the skilled experts in stock market are using this method because they are having great knowledge and skills to do all work here. Some of the novices are going in a right path to earn more money but finally it ends up with the very bad experience. In the hot stocks we can use buy high and sell higher strategies for the effective results. But the main thing is that we have to do the right thing on time or else it will end up in failure.

Generally the stock market is never being constant. It will increase, decrease and sometimes it may disappear so when you are investing money in stock you should aware of everything.  Investing more money in this stock market is a risky job. If the value is getting higher you can earn more money and also you can go with happiness. But if the value is going low then there is no choice for you. When you are investing your hard earning in hot stocks you should know the clear information properly. Some of the people are not able to accept the lose and it makes them more depressed easily. We can tell it in simple words that it is not suitable for sensitive people and soft heartened people. It is best for the people who are ready to face all kind of situations and able to manage the tough circumstances.

Internet is the best choice for everyone nowadays so we can make use of it for help. If you are having any doubt in stocks, get lot of information from online and make your stock investment correctly and valuable. There are lots of services provided in hot stocks are listed as below:

Weekly market and sector analysis:

All the traders want to know the market value of every week and the analysis report. All those reports will be sending to email of traders for their knowledge. It helps you to know about the current happenings of the trading.

Daily pre market analysis:

Pre market analysis is very essential for all traders and it will send them through email before the day to traders. They can do prior actions depends on it.

5-7 swing trades:

In this service they will send the trade swings which were happened in the last week. It will be available in the website and also they will send through email and sms. It will very useful for all people to know about the market value easily.

1-on-1 consultation:

Some of the people are having lot of queries in the stock markets and exchange values. They can have the consultation session to clear it and they will give resources to traders for help.

Real time updates:

All the real time information will send to traders via email and it will be very useful for them.

Three Easy Ways to Look Great for Less

Everyone loves to look great. Walking around in a new outfit while getting compliments always puts a bounce in your step. Even though there are times when you’re stuck buying only what you can afford, there are other times that with these three easy steps you can keep looking great without spending a lot of money.

  1. Sales – Watching for sales, looking for coupons, and for discount codes can save you lots of money. Newspapers contain advertisements from local merchants of the current sales they are offering. The newspaper often will have coupons in them that can be taken into the physical stores. An internet search will show websites that contain discount codes and printable coupons for various merchants. Merchants for both physical stores and for those that are only online, use a secondary website to advertise all their discount codes and coupons. For example, JC Penney’s  uses the website Groupon.com.  Here you will find all the discounts and coupons that are currently being accepted now. By using these discounts, you can purchase new pieces for your wardrobe, either online or at a physical store, at a fraction of their original costs.
  2. Second-Hand Stores – There are plenty people that believe buying clothing second-hand is grimy and it makes them queasy to think of wearing something another person has worn. In reality, if you look at the clothing to ensure that each piece is clean, in good repair, and still has a lot of life still in it, you can get an additional piece for your wardrobe at a fraction price. There is nothing that can’t be washed. With the reduced prices it makes the hinting or the cheapest a thrill. Name brand items are found at second-hand stores at the discounted prices. You get the satisfaction of knowing you are helping to keep the revenue in the community and that you are helping to recycle. On the same lines as the second-hand stores, you can also look at rummage sales, consignment shops and yard sales for discounted clothing as well.
  3. Repurposing Existing Items – Reusing the items you already have, in different ways, is the absolute cheapest way of changing your look. A wrap that came with one shirt can be added to a dress and completely change the look. Scarfs can be used to make a skirt. A long sleeve shirt can be wrapped around your waist and used as a skirt. If you are good with a sewing machine, the options are endless. An oversize shirt can become a strapless dress. T-Shirts can be turned into numerous things. A scarf, a tank top, a spaghetti back shirt.

Nothing feels better than knowing people are admiring your outfit. Whether you’re frugal or just short on money, there is always ways to spruce up your look for little to no money at all. With new inventory arriving daily happy hunting.

Things You Can’t Miss Out before Buying a Travel Insurance Plan

Everyone loves to travel and explore different places. Traveling brings peace and joy and gives a much-needed break from the hustle and bustle of daily life. This is the reason why you spend countless hours planning the perfect itinerary so that you don’t face unpleasant surprises on your trip. Many of you also buy a travel insurance plan to secure your trip against any financial contingencies. In fact, if you are visiting any Schengen country, you would have to buy a travel insurance policy (it is mandatory you see).

A travel insurance policy is a very good addition to your travel plans. However, you should not buy any travel insurance plan blindly. Ask these questions before you finalize on a travel insurance plan:

What is the coverage offered by the plan?

Though most travel insurance plans offer almost the same coverage, there are some features, which might or might not necessarily be in all the travel insurance plans.

For instance, pre-existing illnesses are usually excluded from a travel insurance policy unless specifically covered. Similarly, compassionate visits, insurance for your home when you are travelling, Golfer’s Hole-in-one, etc. might be available in some plans and excluded in others. So, understand the coverage features of the plan before you buy one.

  • How much Sum Assured should be taken?

Usually, travel insurance plans offer a coverage level ranging from USD 50,000 to USD 5 lakhs. When choosing the Sum Insured for your travel insurance plan, consider your requirements carefully.

If you were travelling alone, a lower Sum Insured would be sufficient. However, if you are travelling with family, you should not be stingy in choosing the coverage level. Go for an optimal level plan to ensure a decent coverage amount for the entire family travelling together.

  • What are the exclusions in the plan?

Though travel insurance plans cover almost all types of financial contingencies when traveling, there are certain situations and their financial implications, which are excluded from the plan.

Some common exclusions include

  • Medical complications arising out of pre-existing illnesses and their treatment costs,
  • Accidents or injury suffered due to alcohol or drug abuse,
  • Participation in adventure sports,
  • Attempted suicide and their related costs, etc.

 You should know these exclusions before you buy the policy.

  • When to buy the travel insurance plan?

It is always advised to buy a travel insurance plan immediately after you plan your trip and make advance bookings. If bought early, a travel insurance policy would compensate you for any financial losses you might face if you cancel the trip due to unavoidable circumstances. This falls under the trip curtailment coverage feature of the plan. Thus, the money lost on advance bookings can be regained by buying a travel insurance policy in advance.

  • Who should be covered under the plan?

Everyone who is travelling should be covered under the travel insurance plan. If you are traveling alone, it’s you. If, however, you are travelling with your family, you should insure each member under the insurance plan.

  • Which plan should be bought?

There are different types of travel insurance plans available in the market. These types include:

  • Individual travel insurance plans – these plans are designed for the single traveler.
  • Family travel insurance plans – these plans are for the entire family traveling together.
  • Senior citizen travel insurance plans – these plans are made specifically for covering senior citizens when they travel. As such, the coverage features of the plan are different from normal travel insurance plans.
  • Student travel insurance plans – these plans are meant for students travelling abroad for higher studies. These plans have unique coverage features suitable for a student traveler.
  • Single trip travel plans – these plans cover a single trip taken
  • Multi-trip annual plans – these plans are suitable for frequent flyers who travel multiple times in a year. Multi-trip plans prove cheaper than single-trip plans for frequent travelers.

So, you should choose the plan as per your travel needs.

  • How to buy the travel insurance policy?

There are various ways to buy a travel insurance policy. However, you should always compare before buying a travel insurance plan. Comparing gives you an opportunity to differentiate between the travel insurance plans available in the market with respect to their coverage, features and the premium charged. You can then choose a plan that meets your requirements with a pocket-friendly rate of premium, if you compare quotes of different insurers before buying a travel insurance plan.

These are the things, which you should know when you set out to insure your trip under a travel insurance plan so remember these points, buy a plan carefully and enjoy your trip.

A Deadly Mistake Uncovered on Bad Credit Loans and How to Avoid It

The very first thing you need to know is that improving your credit isn’t going to be accomplished straight away. Possessing bad credit won’t be such a huge issue if it is possible to qualify for one of such loans. First it is necessary you know that with less than perfect credit, you’ll be labeled as a higher risk. bad credit payday loans is a severe issue. It is not a fixed concept, there is a wide range of credit difficulties and not all of them have the same financial solutions.

Whenever you have everything paid off, then you can begin looking to have a financial loan. Loans for poor credit are provided in secured and unsecured form. Loans for cad credit possess the perfect solutions for people that are going through exactly the same issues. Thus whether it is possible to secure a loan with less than perfect credit or not will be dependent on the kind of and on how poor your credit actually is.

Definitions of Bad Credit Loans

The better standing your credit is in, the decrease interest you will cover the loan. Therefore, it shouldn’t be strange that some loan types are simpler to get by people that have poor credit than others. If you have very lousy credit” and don’t believe that you are going to be able to have a loan, then you’re probably perfect.

New Questions About Bad Credit Loans

The sort of loans you can procure within a brief period following your bankruptcy was discharged are secured loans. On the opposite hand, in the event the loan is for a bigger amount and will be paid back over a long period of time, you may want to charge interest. It was simply not possible to get qualified for a loan within a day especially if you had a bad credit score. Thus, it is crucial to look these loans not only a means of borrowing money, but in addition as a way of enhancing credit score. Therefore you need to select the loans with the correct motive, which then let’s you earn a gradual recovery, without needing to worry much about other constraints. Before you relate for financing, you ought to do just a little investigating to study the advantages and disadvantages of the dissimilar monetary products. The short-term loans without a credit check are among the most trustworthy options to satisfy the need of further funds.

Choosing Good Bad Credit Loans

If you believe that you truly require a financial loan, think about the foregoing factors before closing the offer. After you’ve been approved to have a financial loan, they will initially want to check out your credit score before getting one. It’s essential to note that if you get bad credit loans, the rates of interest will be higher.

A Startling Fact about Bad Credit Loans Uncovered

Take some time to make certain you will have the ability to afford your loan prior to applying. Actually, it’s more about understanding the advantages and disadvantages and whether you stand to profit by availing such loans. Poor credit personal loans are among the best alternatives that are offered for lots of people that have awful credit.

Ideas, Formulas and Shortcuts for Bad Credit Loans

You may use these loans to aid you in many ways such as, for buying a vehicle, debt consolidation, more education and lots of other things, but you’re the one that must decide when this is an excellent idea for you or not. If you’re able to do that it will go a ways towards your getting financing. The very first thing you have to know about getting personal loans for poor credit is that you’re high danger of the bank.

Can I cash my pension? – Facts To Know About It

For the huge amount of people who have the United Kingdom or firm pension, it is not feasible to can i cash my pension? at an early phase. It is quite feasible to unlock at least twenty-five percent of their pension that is free of tax. When you release money this way you are not compelled to buy an annuity and then get a retirement income from your pension.

You need not cease working and then you may proceed to pay your pension that will be profitable from the government tax allowances. You can find some cash highly useful for you but you have to think in a careful manner regarding the results for your financial security. To get money out from your pension prior to retiring will lessen your pension value and will help in reduction of the income amount that you get on your retirement.

It is pivotal to provide good consideration prior to beginning to release cash from your pension. If there is any lessening of your future retirement income can be bad to yourself and your family. The release of pension is best for a specified number of people. You have to take a decision if you and your dependents have ample money to live a happy life all through your retirement.

There are several firms in the United Kingdom that have expertise in can i cash my pension?release and they can assist you all through the process. These firms are observed and controlled by the financial services authority. It is there to secure the rights of the consumer. They will have a complete look at your present pension provision and also your individual situation. They can recommend you all the benefits of pension release if you want to move ahead of it. They can fast release your money for you in just a few weeks.

To cash in your pension may be a decision taken in haste and a bad decision altogether. The financial services authority has made it crystal clear that in a majority of the cases you will get less if you cash in your pension early. The first and foremost aspect to evaluate is your instant requirement. It is a human instinct to wish more than you possess. It is pivotal at this phase to do some introspection and wish for the pension release.

You have to get some financial recommendation on the prospective losses of unlocking the funds. An adviser can provide you several alternatives of getting the money out of your pension plan. The amount of income after cashing in your pension relies on many aspects like the kind of scheme you are cashing the money from. All this may be recommended by your financial consultant.

When you get all the information with you, you have to be aware what to adhere to and the right process of cashing in the pension money for using by yourself. This procedure is nice handled by a person who is accredited in the field.

There are several reasons for pension release and most common among them are paying off the credit card debts, paying the mortgage, some luxuries such as a new car or a new house.