Tag Archive | Asset Protection

Tips for Women to Avoid Being Scammed By a Contractor

general contractors in richmond virginia

general contractors(Photo credit: Crown Molding)

It is fair to say that most contractors are honest. It is also fair to say that there are dishonest people out there who pretend to be contractors, and if they think they can get away with scamming a woman they will definitely try. There are things that women can do to protect themselves from getting scammed by a contractor.

Before you hire any contractor it is recommended that you get four references. These will be other people that they have done work for. Then you will be able to contact these people and get their take on how the contractor is. They will let you know if they liked the work that was done or not. Be careful however, if they are a true scammer they may give you numbers for people who are in on the scam with them so do not rely on this alone.

You should also check with the Better Business Bureau. They will be able to provide you with a rating for the contractor. They will also be able to provide you with the reasons for why they gave that contractor the rating that they gave them. If they contractor you were thinking of using is unknown to the Better Business Bureau, then you should take that as a good sign that they are not a real contractor but rather a scammer.

Once you have selected a contractor that you think you would like to hire it is a good idea to check their contractors’ license. You need to make sure that it is up to date and not a fake. You can do this by checking their license and local operating permits. If you do not do this not only can you get scammed but you could end up with work that is not done right, and that is not up to code costing you more money down the road.

If you are a woman who lives a loan you should invite someone over before the contractor comes over. This should preferably be a male friend or family member. You do not want your contractor to know that you live alone. Even if they are a real contractor and not a scammer they may decide to scam you at least a little simply because you are a woman who lives alone. It is just best to have a male friend or family member be there with you each time, preferably the same one each time.

Ladies, while you should not assume the worst in everyone you should always prepare for the worst. This is just being smart and protecting yourself from getting scammed. Make sure that you use a local contractor who is trusted not someone who travels. When it comes to contractors a woman cannot be too careful when picking the right one.

Women, Avoid Getting Ripped Off By a Mechanic

Women, Avoid Getting Ripped Off By a MechanicHaving your car break down is certainly not one of life’s little joys. However it is a fact of life that occasionally you will have to take your car to a mechanic, and for women this can be a much more expensive trip than for a man. There are mechanics who will try to take advantage of women and try and rip them off, women there are ways that you can avoid this.

Most mechanics typically think that women do not know much if anything about cars, and honestly this is often true. This also leads them to believe that they can rip women off when they bring in their cars for regular maintenance or for a repair. Many women find themselves feeling helpless because they do not know much about cars and if a mechanic says they need to have something done, then surely it does need it.

One way that you can avoid being ripped of is to bring a male with you when you take your vehicle in. It does not matter if it is your husband, boyfriend, or just a friend. When a mechanic sees that you have a male with you they tend to think that they will not be able to rip you off. First they will assume that the male that is with you will know at least something about vehicles. They will know that if they tell you that you need something when you really do not need it, there is a good chance that the male will step in and say something. So the next time you need to take your car in, try and find a male in your life that is willing to come along.

English: An auto body mechanic using a slide h...

You do not have to go to school to be a mechanic or rebuild a car to know a thing or two about your car. With the internet comes a wide variety of websites that can provide information to you about your vehicle and what is wrong with it. You have the option of taking your car to the mechanic and getting it diagnosed, leave and do some research before taking it back and having the work done. Do not forget that vehicles come with a resource of their own, the owner’s manual has tons of information on your vehicle in it and it is worth reading through.

Do not forget that you are paying for this service. If you are for any reason unhappy with the service that you have received you do have the right to complain. The shop should want your business again and they should want you to spread a positive word of mouth about them. This should drive them to make you happy. Talk to a manager and explain the situation and why you are not happy. Do not get angry, keep calm. They are more likely to want to make the situation right if you remain calm.

When it comes to having their car fixed women do have somewhat of a disadvantage, if they chose to. They have the ability to make the experience better so that they will not be ripped off. Remember ladies, do not be a victim of a mechanic taking advantage of you, you have the ability to be treated fairly and not pay for things that are not needed.

Women’s Self Defense Tips

Women cannot be too careful these days. It seems as though every time you turn around you are hearing about another woman on the news being attacked or you are getting another email warning you about a new way that women are being targeted. Here are some self defense tips that any woman can use if needed to help defend herself.

If you have ever visited a martial arts center you may have heard someone say that the elbow is actually the strongest point on the human body. It is true. If you are struggling to get away from someone and you are in the position to use your elbow, it does not matter where your elbow will make contact with, use your elbow. It will cause the most pain on your assailant allowing you to make an escape.

You were probably told as a child that you never kick a boy in the groin, well if you are being attacked, go for it. It is a very sensitive area on a man and if it helps you to get away then there is nothing wrong with it. It should hurt them enough to allow you to flee and find help.

One thing that not many women think about using for self defense is their purse. If you are like me and carry a lot of stuff around with you than your purse is likely fairly heavy. Swinging it around and hitting someone with it could hurt. If it comes down to it, use your purse as a self defense weapon.

Another thing that not many women think about using is their keys. If you put one key in between each finger you can poke and scratch your assailant. If possible you can use this on their eyes as well. It may not do much damage, but most predators do not want to deal with someone who is fighting back so they will back off.

There are many everyday items that you can use to defend yourself. Look around at what you carry with you on a daily basis. What can you use? Being aware of your surroundings and what you have with you to protect yourself, and what you can do with your body to protect yourself could save you from being attack or even kidnapped.

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    Some Safety Tips for Women When Out and About

    Women are typically viewed as weak and easy targets. This is one reason why some feel they can take advantage of women. The more safety tips women know the better the chance they have at not having something happen to them. Here are some safety tips that every women should know.

    You should always be aware of your surroundings. If you are out shopping alone and you notice something or someone that looks suspicious in the store find an employee and let them know, they can have security deal with it so you do not have to. This also applies to the parking lot. If you are going to leave and you see something or someone that seems to be suspicious and you are uncomfortable walking to your car alone, you can go inside and request a security guard walk you to your car. Once they get you to your car safely if they feel that whatever made you uncomfortable needs dealt with, they will be right there to deal with it. You must always be aware of your surroundings; before you walk into a situation you must survey it.

    Once you have surveyed the situation you should be aware of an escape route. If something were to happen, say you notice someone walking quickly toward you; you need to know the best way to get out of the situation. It could be going back to where you were, getting to your vehicle, getting to someone else, or a different store altogether. Finding your escape route is an important part of surveying the situation.

    When you are out and about in your vehicle you should keep your doors locked at all times. Newer cars automatically lock the doors for you when you put it in drive, but older vehicles do not, so you have to do it yourself. You may wonder why you should have your doors locked when you are driving. You may not hear about carjackings much anymore but they do still happen. Women seem to be an easier target as these thieves feel they will not fight back as much. If you keep your doors locked they will not be able to simply open the door and get in or force you out, giving you the ability to drive away and call the police.

    Ladies, do you have pepper spray? If not you should consider getting some. This is a good self defense tool. It does not do permanent damage to the person you use it on, but it will definitely stop them from trying to hurt you. You can find pepper spray almost anywhere, almost all sporting good stores have it and you can even get it online. It is not a bad idea to practice some with it so that if you do ever have to use it you are able to get someone in the eyes, you do not want to miss and have them take it from you. Keep in mind when practicing to aim a little high, at the forehead; this is because the spray will run down into their eyes, where if you go to low it will not be effective at all.

    Ladies, do not be a victim. Know how to protect yourself and keep yourself out of bad situations. Know when you need to have someone with you and when you should avoid a situation all together. Being prepared can save you from having something awful happen to you. The more you know, the better prepared you can be. Share your knowledge with all the women in your life so you can all be safe.

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      Are Women Becoming Better At Investing Than Men?

      There was once a time when a woman would be advised to find a husband as means of financial preparedness for the future. Those days are long gone though. Over the past several decades more and more women are entering the workforce and are taking care of themselves financially. While the pay may not be equal quite yet, it is getting close. It seems as though a new trend in investing has emerged; women are becoming better at making investments than men are.

      We all know that men would prefer to not stop and ask directions, whereas women enjoy doing just about everything with other women. This stereotype holds true in many different areas in one’s life, including investing. Researchers have discovered that men prefer to learn about investing on their own, while women prefer groups. This information can be found in detail in the “Handbook of Consumer Finance Research.” This may be giving women the leg up in investing.

      What this research is telling is us is that men like to direct their learning themselves. They prefer to go online and do their research as opposed to women, who prefer to go to seminars and meet with professionals. It seems that it is this difference that is keeping men and women from being equal in the investment world. The biggest difference is simply how men and women learn.

      Confidence can play a part in this as well. Research has shown that as far as men go, they tend to be overly confident when making their investments. Women on the other hand, have a tendency to be under confident. This means that men are more willing to take risks which can pay off, or not. Women do not take as many risks so they have a more steady return on their investments. Men want a big payoff while women do not want to risk everything that they have.

      Most experts agree that in order to be a better investor both men and women need to make sure that they know what their own issues are. No matter if you are a man or a women you should be able to identify if you are an overly confident or under confident investor. Do emotions play a role in your investment decisions? You need to take a look at yourself and decide if it all is logical. Are you afraid to make a particular investment? If you are then you need to ask yourself why and whether or not it is logical to feel this fear. Knowing your limitations, your insecurities, and all that other stuff, you can make better decisions when you are investing your money.

      There is still a little debate about whether or not women are better at investing than men. One thing that is clear is that men and women have different ways to learn about investing, therefore they have different ways they go about making their investments. What will the trend be in the next few years? It is hard to say, but this one may continue for some time to come.

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        Are Women Smarter Than Men When It Comes To Investing?

        There are new studies out that are showing a growing trend in investing; women are doing better than men. Why is this? There are numerous reasons that this could be. Women seem to be making better decisions and receiving the rewards of this when it comes to investing their money.

        There is a report from Prudential that says that women “do not fully understand many of the increasingly sophisticated financial products that are available.” This does not seem to be true now though. Over the past decade just about every financial company has released a report that makes women look like they have no idea what they are doing when it comes to investments. They make it seem as though women would prefer to have someone else deal with their finances.

        There was a new report released from TD Ameritrade, surveyed four thousand men and women across the United States, the United Kingdom, and Canada. What this survey shows is that ninety percent of women feel that they are confident when it comes to investing, and that they feel level-headed when it comes to managing their portfolio. This would be in contradiction to previous surveys and reports that have been previously released.

        Another thing that this report shows is that women prefer to be educated before investing and they are managing their portfolios online. This report shows a clear link between women who manage their portfolio online and those who are confident about their investments. Investing online seems to be empowering women investors everywhere.

        Keep in mind that all surveys have limitations though. They do not canvas everyone and there may be data that is different than it otherwise would be had everyone been canvassed. The TD Ameritrade survey was done across three countries, only surveying four thousand men and women. There are many people that this survey did not cover.

        It does seem that this is becoming a more popular trend. There may be women out there who have never even thought about managing their portfolio and investing online. The more women hear about it and do research on it the more women seem to be doing it. Women everywhere are becoming more educated in the financial world and therefore are able to make better decisions and do things that will help them along.

        Women may or may not be smarter than men when it comes to investing. More women are making smarter moves though and getting educated and get online. It seems that the more women get online to deal with investments the better they are doing with managing their portfolio and making these investments. So ladies get online, see what is there that will work for you and get going on your investing.

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          Is the Glass Ceiling Sending Women to Payday Lenders?

          Almost everyone knows what the glass ceiling is and almost everyone knows what a payday loan is. What do these two things have in common? Women; studies show that women use payday lenders more than men, and there is a new theory out as to what is really behind this new trend. This theory suggests that women use payday lenders more than men because the glass ceiling is sending them to the lenders.

          While there are many factors that could factor into the equation as a whole such as age, parental status, and of course income. Many think that wage discrimination is at work, keeping women’s wages down, causing them to need payday loans more than men. Some do argue though, that every generation is seeing women as a whole making wages closer and closer to men’s wages. So is this new theory sound, or do we need to start at square one again?

          Some say that the reason that they gap between men and women’s wages is that more and more women are leaving the home in order to pursue careers and advanced education. Even with all that at the Democratic National Convention this year Michelle Obama even alluded to the glass ceiling as a way to call attention to the wage gap that we still have.

          While there still may be wage discrimination in the workforce, there is still one place women can go to be treated equal; a payday lender. Payday lenders do not care if you are a man or a woman; they are just trying to help the people in their communities to get the help that they need. They have four requirements that you have to meet in order and none of them have anything to do with sex. You must be at least eighteen, you must have a job, you must have a checking account, and you must be a resident of the United States.

          Equal wage rights have come a long way; they still have a long way to go though. The gap in wages between men and women has decreased and it seems that it may continue to decrease; no one really knows when the wages will be equal. It could take a year or two or it can take decades the point is no one knows for sure. People are going to continue to work for equal wages until they do not have a need to do so anymore.

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            Some Things That Women Need to Know About Money

            When it comes to money there are certain things that women need to know about money. Do you think you know what it is that you need to know? If you think you know all you should, or even if you think you could use some more tips, you should know these things.

            First of all you really do need to know your money. You need to know what you have coming in and what you have going out. This is where a budget can really help any women of any age. If you are unsure of how to start a budget ask your friends and family how they made theirs. They may have a few tips for you that you never would have thought of on your own.

            If you are married most experts agree that you need to have a joint account with your spouse. There are many women out there that do not understand why it is that experts say they should have a joint account. One big reason for this is that if something were to happen to your spouse and they died you would have instant access to money while everything gets worked out. If you do not have a joint account with your spouse, if something were to happen, you might have a much harder time accessing the money that you need.

            One tip that many women can benefit from is to wait before making a big purchase. If you wait before making a big purchase you can take the time to think about whether or not you can really afford to make this purchase. Impulse purchases of any kind can be trouble for us women. This is one reason that waiting to make the purchase is such a good idea. It will also help you to decide whether this purchase is something that you need and not just something that you want. Take at least one night to think about it. If possible take a week. The more time you have to think and make the best decision for you the better then decision will be.

            Have you started getting your finances ready for retirement? It does not matter how old you are you ladies you need to make sure you are preparing for retirement. Most of the time this involves a retirement savings account, this is not all you should be doing though. You should also be investing your money. The best way to invest is to keep your portfolio diversified.

            All women should be able to tell when they will benefit from professional help. No woman should be embarrassed to admit that they need professional help with their finances. There are women all across this country that have turned to financial advisors to get the financial help that they need, and generally women are better off for doing this. These professional financial advisors are full of the information that women today need. Any question about your finances that you could have, these financial advisors can answer.

            Seek out financial education. There are many places that you can do this. The more educated you are in the area of finances the better off you will be. Financial education is the key to having your finances in a place that you want them to be.

            Women today need to be careful with their money. They need to make sure that they are in control of their finances. Women need to take charge of their finances and know and understand how their family finances work. Get educated. The more education you get about your finances the better off you and your finances will be.

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              The Importance of Financial Literacy for Women

              It does not matter who you are, financial literacy is important, however it seem that is may be more important for women. Studies have shown that when it comes to women and finances, we know a lot less than we should, and a lot less than men do. It is important for women to increase their financial literacy not just so they can catch up with men, but for their own financial future.

              The FINRA Investor Education Foundation released a study that shows us that women who have a low financial literacy level spend more on credit cards every year than women who have a high financial literacy level. This means that they are paying more in interest than other women are. This interest can add up quickly and cause financial problems for those who get in over their head.

              This survey also shows us something else. It shows that those who have higher financial literacy levels are better at managing credit cards. This is a good reason for any women to gain more financial literacy.

              According to this survey women are six percent more points more likely to end up being charged a late fee than men are. This can have something to do with not having a high enough financial literacy level. If you have a higher financial literacy level, then you understand why you should do everything possible to avoid late fees.

              Women also seem to be less likely to pay their credit card balances in full. This can cause interest to add up. Most of us know that interest can add up very quickly if not dealt with in a timely manner. Those who are more financially literate understand why it is important to try and pay off the whole balance.

              Financial education should start in the home. The earlier it starts the better off the person will be. Women need to make sure that they are financially literate so they can pass on what they know to their children. Women seem to need to work harder to become financially literate than men do. If a woman works hard, she can be just as financially literate as a man, if not more so. It is not about a competition on who is more financially literate, it is about making sure that one’s financial future can be the best possible, and that you can pass all that information you have down to the next generation.

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                Women need to do More Shopping When it comes to Mortgages

                New finding suggest that women get worse mortgage rates than men do. Many at first may think that this is gender discrimination, but that is not the case. Women do not shop around for their mortgages as much as men do, which is what allows men to get better rates. If women were to start shopping around more, than they too could get a better mortgage rate.

                One reason it seems that women get worse rates is that they listen to their friends more. If a woman has a friend who says that they got a good rate from one bank, or that they like a certain bank, women tend to listen and go with the bank that their friend likes. While men may be given advice on where a good bank is, they listen less and look around for where they can get a better rate.

                Mortgage shopping can be a complex and time consuming activity. This shows us that maybe men have more financial knowledge than women do at least as far as mortgage shopping goes. This suggests that if women were to increase their financial knowledge then they may be able to better find mortgage rates that are better for them.

                Experts suggest that you can simply call the mortgage lenders and banks that are a possibility for you to use. Talk to them about what their mortgages are like, get all the information that you can. Make sure that you write down any and all questions that you want to ask each financial institution, and then write down the answers that you are given so that you have the ability to compare later on what will be best for you.

                Make sure that when you do call these places you do not ask for rates over the phone. Experts say that most companies will give you a lower estimate to get you into the door. Then when you do come in to apply for a mortgage, when you get approved you will have a higher rate than you thought that you were going to be getting.
                Women can get better mortgage rates if they take a hint from men and shop around. Do your homework prior to getting a mortgage. The more educated you are about it the better off you will be. Take your time to make sure that you are getting the best mortgage for you.

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