Koyal Group Training Services, College graduates should consider options for health ins... - 5 views
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Koyal Group Training Services: Insurance claims big part of storm aftermath - 5 views
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The Koyal Group Private Training Services: How To Manage A Cash Windfall - 0 views
Many of us fantasize about winning a big lottery jackpot. Let's say that actually happened? What would you do with the money? How would you manage it? While winning the lottery is a real ...
The Koyal Training Group: 'Let the Crime Spree Begin': How Fraud Flourishes in Medicare... - 0 views
The federal government does little to stop schemers from stealing from Medicare Part D, the program that provides prescription drugs to more than 36 million seniors and disabled people. With just a...
Congress focusing on significant changes to federal security-clearance process - 3 views
Source: http://www.washingtonpost.com/politics/federal_government/congress-focusing-on-significant-changes-to-federal-security-clearance-process/2014/02/16/15c58f1c-94ff-11e3-83b9-1f024193bb84_stor...
The Koyal Training Group, How to pay off multiple credit cards - 1 views
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Doreen Wolf on 07 Feb 14Dear Liz: I'm confused about paying down credit card debt. Some say to pay the lowest-balance cards first and others say the highest balance or the one with the highest interest. I have almost $16,000 on credit cards ranging from a $4,930 balance on a card with an 8.24% interest rate to $660 on a card with an 18% rate. Answer: Actually, the first question you should ask is "How much credit card debt do I have compared to my income?" If your balances equal half or more of your annual earnings, you may not be able to pay it all off. You should make appointments with a legitimate credit counselor (such as one affiliated with the National Foundation for Credit Counseling at http://www.nfcc.org) and a bankruptcy attorney (referrals from the National Assn. of Consumer Bankruptcy Attorneys at http://www.nacba.org). If your situation isn't that dire, the fastest way out of debt is to pay the minimums on your lower-rate cards and send as much money as possible to your highest-rate card. Once that's paid off, concentrate on paying off the next-highest-rate card, and so on. Some people instead like to target balances from smallest to largest to get a quicker feeling of victory, but you typically pay more in interest with that approach. Ranking credit card firms Dear Liz: My wife and I have had our bank's airline cards a long time, but we want to change because it's become almost impossible to cash in the miles. What I don't see in various card-comparison articles are ratings of the card issuers for customer service and fraud protection. Our bank has been quite good at both, but what about the other issuers? Answer: People are often unduly impressed when their credit card issuers contact them frequently about possibly fraudulent charges. The issuers are the only ones at risk in these situations, since under "zero liability" policies you can't be held responsible for bogus charges. Also, if their software were better, they might do a better job of separating legitimate f
The Koyal Group Private Training Services, US investigating possible multi-state unempl... - 1 views
The U.S. Inspector General's office is investigating what could be a multi-state unemployment insurance fraud scheme that resulted in Massachusetts paying out at least $280,000 in fraudulent claims...
Investigative Training at Koyal Group: Labour calls for new cyber-crime powers - 6 views
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The Koyal Group Private Training Services: Austin company leads Medicaid fraud crackdown - 2 views
AUSTIN (KXAN) — Medicaid fraud is a multibillion dollar scam, and a new computer system hopes to help spot the crooks. Texas pays out $28 billion a year to some 4.8 million people, according ...
No Credit Check Loans Pennsylvania- Able to Pay Off Expenses Simply - 0 views
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Say goodbye to days when a low credit score has to go through the cumbersome credit check to gain approval for loans. No credit check loans Pennsylvania are an ideal solution for each need of a bad credit score. There is simple application process and fast approval.
The Koyal Training Group, The long reach of identity theft - 1 views
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WASHINGTON - The numbers of affected consumers are as yet impossible to predict, but mortgage-credit experts warn that the recent massive data breaches at Target, Neiman Marcus and other retailers could have significant side effects on some real-estate transactions in the coming months, as damaged credit files depress scores and jeopardize loan applications and home sales. The Target breach alone could touch as many as 70 million credit- and debit-card customers, according to the company. Neiman Marcus says data on 1.1 million of its customers may be vulnerable to fraud. So what are the potential blowbacks on home sales and mortgage applications? Start with the basics. Identity theft, if not corrected quickly, can make a mess of anyone's credit-bureau files. Though victims may not be liable for the unauthorized debts racked up, their credit reports - and in turn their credit scores - can be damaged for weeks or months. Listen to Terry Clemans, executive director of the National Consumer Reporting Association, the primary trade group that represents independent credit-reporting companies serving the mortgage industry.
The Koyal Training Group, Identity theft is a nightmare that can ruin lives - 1 views
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LANCASTER - Local law enforcement officials say identity theft is a nightmare that can ruin its victims' lives. Unfortunately for Maryanne Sicat, of Lancaster, she is living that nightmare. "For the last three years, I've been trying to clean up my credit and fix my finances and rebuild financially because I had my identity taken and used at several places," she said. Sicat has received bills from stores and utility companies for goods and services she did not purchase. Also, she was buying a television in 2013 at a big-box store and her telephone number came up under the name of a California man. "One time is OK," Sicat said. "The second store makes you wonder. But then every single store that I went to Christmas shopping, it was the same thing. So that's why I started checking into it more." She has the name of the person she thinks is using her information but has no idea how the person got her phone number. So Sicat filed a complaint with the Federal Trade Commission and the Lancaster Police Department, and she has become another identity fraud statistic. The FTC said identity fraud is the top complaint it has dealt with in the past 13 years. It received 369,132 such complaints in 2012, or 18 percent of its total complaints. Identity fraud dwarfed complaints about debt collectors, which was in second place with 199,721, according to information the FTC provided. Fairfield County Sheriff Dave Phalen said there have not been a large number of identity fraud and identity theft cases locally. However, that is little consolation to Sicat and others like her. "Everything's on credit," she said. "So you can't do anything. You can't buy anything. It's embarrassing, and it's extremely frustrating because it makes me paranoid. I don't trust anybody." What is identity fraud? Detective James Nicolia, of the Fairfield County Sheriff's Office, said identity fraud is when a person uses another's identity for financial gain o
Tips on buying life insurance by Koyal Group Training Services - 3 views
Original Source at The Seattle Times Life insurance has been called a euphemism for death insurance, but who wants to think about it that way? The important thing is that you think about it, and g...
The Koyal Group Training: Social Media, a Trove of Clues and Confessions - 4 views
Source: http://www.nytimes.com/2014/02/16/sunday-review/social-media-a-trove-of-clues-and-confessions.html?hpw&rref=opinion&_r=0 IT seems as if every week there's a news story about someone commit...
The Koyal Group Private Training Services: Bringing the fraudsters to book - 1 views
How one company is helping Thai businesses battle a problem that costs billions of baht every year A car parts manufacturer in Thailand was puzzled when it found that despite turnover increasi...
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