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Travel With Prepaid Visa Card For Safety and Security

If you have students traveling to college or abroad this year Prepaid Credit cards provide a convenient method for sending your child money for monthly expenses such as food, clothing, housing, books or school supplies. The advantages of a PrePaid Visa Card in this application are convenience, Visa is an accepted form of payment at thousands of merchants and service providers, the student learns to work within a monthly budget and there is no chance of damaging their future credit by using traditional credit cards.

PrePaid Visa Cards work like a standard bank debit card, but they are not connected to an actual bank account. You load the card with a certain amount of money and then you can spend up to that amount whenever you use it.

Since the card is prepaid you cant overdraft so if you do run out of money the card will simply be denied rather than go through and accrue penalty fees from a bank. Unlike a typical store gift card a prepaid Visa card can be used anywhere where a normal Visa card is accepted including over one million ATMs worldwide. When your card is running low on funds you can always add additional money through a number of different deposit methods.

An added benefit of prepaid Visa cards is they are great for budgeting. You can allocate a certain amount of money on your card for specific purposes. For instance, you can deposit the money for your bills on the card at the start of the month; this is a great option since most major companies will let you pay by credit card on the web or over the phone. That way you wont have to worry about sending it in since you can transfer the funds automatically when the time is right. This also works quite well in reverse. If you prefer you can just put the extra money for fun money you have at the end of the month on the card. This way you can set limits for yourself for spending on more important things such as food, entertainment, electronics, travel, etc. You might think of prepaid cards as allowance for adults.

This is why it makes great sense for parents with children who are college students. You can help your children learn to manage their money properly through allocated funds or send them money instantly in case of an emergency without having to pay to send it over the wire. The card comes with the option to view transactions allowing parents to see what sort of things their kids are spending the money on without requiring them to save receipts.

PrePaid Visa cards are safer than carrying cash. If money gets lost or stolen you are pretty much out of luck, but if your Prepaid Visa card vanishes you can report it and have account locked. All Visa credit cards come with the Visa Zero Liability policy which means that your money is protected. If someone tries to use your card after you’ve reported it as missing then you won’t be responsible for any charges.

There are even special cards designed for international travel. The prepaid Visa TravelMoney card automatically converts your money to whatever currency you’re dealing with so there is no standing around waiting at the bank. The card can be used at over 25 million locations worldwide as well as at international ATMs. Emergency card replacement are available anywhere in the world, you will receive a new card in approximately one business day.

In closing, Prepaid Credit Cards provide a flexible, safe and convenient payment option for most consumers.

Good Habits For Better Home Safety and Security

We want our homes to be our shelters and our safe havens. In order to keep our homes secure we do everything from installing reinforced doors and windows with strong locks to full home security systems with alarms, motion sensors and automated lighting. But all of the security imaginable does not guarantee that our homes are as secure as they could be. Developing healthy security habits will also insure that our families and possessions remain safe and sound inside of our homes.

All homeowners should regularly check the condition of their doors and windows and their locking mechanisms. A regular inspection of the exterior of any home will reveal if strangers have tried to enter the property. Inspections will also allow a homeowner to trim back hedges, shrubs and trees that may block an intruder from being seen by neighbors or from passersby.

A regular security check should also include tests of home security systems and alarms as well as all fire or poisonous gas alarms. Many insurance companies will offer discounts on a homeowner’s insurance policy if there are certain security features installed in the home or on the property.

Work with your neighbors to establish a “neighborhood watch” and alert the police to any suspicious activity or strangers wandering the neighborhood. Neighbors are always an excellent strategy against home invasion crimes such as burglaries since they become incredibly aware of the habits and work patterns of one another and will usually notice if anything unusual is taking place on the properties within their community. Rather than taking the risk of hiding a key somewhere outside of the property, such as planter boxes or under door mats, it is better to entrust a neighbor with a copy of a house key (an important security tip is to remember to never label house keys with their street address as this is an invitation to crime). Neighbors can also pick up mail, newspapers or packages should a homeowner go on vacation or be away for an extended period of time. Many people in neighborhood watch communities will park their cars in a neighbors yard to make it appear that someone is home, and will regularly check on the property of neighbors who are away.

Walk around the outside of a home at night and check to see if valuables are in plain sight, and if so relocate the items that can easily be moved. Do not leave possessions that would be easy to “fence”, or pawn and resell, in places where intruders would be able to see them from the street or by prowling the outside of the home.

A huge key to home security actually takes place outside of the home, and this is lighting. Burglars and criminals do not want to be seen committing a crime, so if an area is well-lit and well-secured it is unlikely that a thief will spend a great deal of time trying to enter the home.

Some basic, common-sense approaches to home security will help to assist and protect our homes, possessions and families from the devastating affects of crime.

Safety and Security Tips to Protect Real Estate Agents From Criminal Attacks

Historically, real estate agents have felt safe and secure while assisting the general public with a search for a new home or property. Unfortunately, times have changed in recent years and crimes against Realtors has risen with more agents being attacked, raped, robbed and even murdered during the showings of homes and other properties.

The rise in these brutal crimes has prompted many real estate agencies to implement a safety plan for their agents. The following is a list of safety tips that are designed to greatly decrease your chances of being a victim of a criminal attack and to increase your confidence while performing your job as a real estate agent.

o Verify your customer’s information by requesting phone numbers and a physical address. This information can easily be verified by calling the numbers or using various internet sites to establish a matching name or address.

o Do not meet unknown customers at a property. Require that they come to your office, and when possible, have another agent or assistant write down their license plate number and the type of car they are driving. It is also a good practice to ask customers for a copy of their driver’s license.

o Give a coworker, friend or family member an itinerary of properties you plan to show and check in as often as possible. Establish code words to give your contacts to alert them of danger or uncomfortable situations.

o Never get into a vehicle with someone that you do not know. Always use your vehicle to travel to showings or ask your customer to follow you in their car.

o Carry a cell phone in your pocket and program a single button for a one touch call to 911.

o When ever possible, never work a publicized open house alone.

o Never show vacant properties by yourself unless you are well acquainted with the individuals. If a friend or coworker is unavailable to join you, contact a security guard service for hire.

o Do not make an assumption that women are safer clients, because they are as capable of a violent crime as a man and will sometimes work with an accomplice who will wait at a location until you both arrive.

o Carry a compact pepper spray or stun gun that can be easily concealed in a purse, shirt pocket or business bag.

o Always try to position yourself close to the doorway and let the customer enter the room first.

o Remember to always trust your instincts and ask someone to accompany you to show or list a property when you encounter an uncomfortable feeling about a client.