Money Wise Blog

Credit card debt doesn’t shy away from anyone who doesn’t wish to shy away from it. It treats everyone equally irrespective of regardless of whether the individual can be a seasoned professional or just a college student. So college student credit card debt isn’t uncommon either. Since the credit limit on college student credit cards is significantly lower, the college student credit card debt cannot rise to the levels it does for other credit cards. Even so, college student credit card debt is an even bigger menace since a lot of students are already in debt because of the loan they have taken for their education. If they pass out of college with college student credit card debt, they’ll need to payback not just the loan they taken for studies but also their college student credit card debt.

Since most of the college students are inexperienced within the usage of credit cards, they can quickly fall prey to what we call as ‘college student credit card debt’. In fact, college student credit card debt is 1 reason why the credit card suppliers keep a lower credit limit on college student credit cards. The solution for avoiding college student credit card debt is similar to what it’s for avoidance of any type of credit card debt. So, the very first thing for avoiding college student credit card debt is to realize the idea that credit card isn’t totally free dollars and that whatever you pay-for utilizing your credit card has to be paid back to the credit card supplier when your credit card bill arrives. So do not treat credit card separate from hard cash. Stay away from overspending e.g. do not buy issues just simply because they are on sale, sales keep coming and going and you can find often better provides each time; get only those issues that you actually will need. An excellent thing to do is to prepare your monthly budget and follow it religiously. By no means budge from your spending budget. Yet another extremely essential preventive measure for avoiding college student credit card debt would be to steer clear of going for a second credit card. Some students have a tendency to go for multiple credit cards just simply because the credit limit on college student credit cards is very low. Nonetheless, this is a perfect recipe for acquiring into a college student credit card debt. This is how college student credit card debt builds up. One credit card is a lot more than sufficient for any student.

College student credit card is genuinely meant to be treated like a training ground for learning much more about credit cards. It ought to not be make an instrument of debt (college student credit card debt).

The current economic crisis has hurt a lot of people all over the Country over the last couple of years. Some more than others. This has inflicted financial hardship onto a large proportion of the population either through the rising cost of living, or wage cuts or job losses.

All this mounting pressure has meant that many people are now finding it hard to keep up with the repayments on any credit cards or loans that they have. Payments get overlooked or missed, bills start to get put off until well past the due date and then things go from bad to worse. This means that inevitably credit records get damage and future borrowing is put at risk.

If this sounds like you, then don’t panic, all is not lost. Fortunately, there are lenders in the business that will look upon people with a poor credit history a little bit more sympathetically than others. Loan products are available for people that have experienced credit problems in the past.

Loans for People With Bad Credit

A lender will determine your borrowing ability based on your credit history amongst other things. Because of this, it will be affected by any history of bad credit.

If you have had some problems and have missed a few payments here and there but have caught up and are up to date, then you are not as likely to have as much as a problem as someone who has picked up a CCJ or two along the way. If you are a homeowner, then you will have more options available to you. Secured loan lenders are less adverse to lending to people with small amounts of bad credit so that would be the first option to explore. With regard to unsecured loans, these are pretty tough to obtain with any sort bad credit history.

If a secured loan is not an option, then you may have better luck with guarantor loans. With a guarantor loan, you can borrow money provided that you can provide someone that will act as a guarantor, i.e. someone willing to pay back the loan if your default on it. As long as the guarantor is a homeowner and has a clean credit history, you should be able to get a loan regardless of how bad your credit record is. Anyone over 18 can apply for a guarantor loan, which means that they are available to tenants, students, people living with friends or relatives or even parents.

If all else fails, you should be able to get a small loan in the form of a pay day loan

So there you have it. So you might well have been refused credit previously, but if you look in the right places you should be able to find loans for people with bad credit.

If you are struggling with debts then you may be feeling overwhelmed about what your options are. The whole issue of sorting out your problems can seem too much when combined with the stress of dealing with your debt on a daily basis. However, there are places where you can get reliable help and advice and sorting out your debt problem sooner rather than later is the best thing you can do.

The Citizen’s Advice Bureau is a good first port of call for anyone who is experiencing problems with debt. They have a website that has lots of information on debt and how to deal with it which you can check out at any time. If you prefer to speak to someone face to face then you can call up your nearest branch of CAB to book an appointment with one of their designated debt counselors, you should be able to find the number for your local branch in the telephone book.

You can get free, confidential and impartial advice from the National Debt Helpline which offers a free phone telephone counseling service or an email service. If you choose to call them they will advise you on which course of debt management solution is the best for you and your individual circumstances. They can help you through the process of bankruptcy or setting up a debt management plan.

A charity that offers impartial and free advice is the Consumer Credit Counseling Service (CCCS). They work along the same lines as the National Debt Helpline by giving free telephone counseling to people who are struggling with their debts. They can talk you through the bankruptcy process if that is the only available option for you and aid in drawing up debt management plans. They also show you ways to effectively manage your money for the future and offer tips and advice for saving money. The homelessness charity Shelter also offers debt advice and is also good at helping you to find out if there are any benefits you could be claiming that will help to improve your financial situation.

Some local authorities offer free debt advice services but this is not available everywhere in the UK so you will need to find out if you can get this help in your own area. The direct.gov.uk website gives advice on how to find out if the service is available in your area and you may find there are a few places nearby where you can get direct advice face to face.

More : Debt Advice

When the time comes for you to talk with a financial professional, you should approach the conversation as you would an interview. In order for a financial professional to be able to calculate a proper investing strategy for you, they will ask certain questions such as your current financial situation and your goals and future plans. To ensure the professional that you are talking with is capable of overseeing your finances, you should have a few questions of your own to ask. You should look at choosing a financial advisor, much like you would look at purchasing a new car. If you were going to make the substantial investment of buying a vehicle, you would test drive a number of models at a number of dealerships. Similarly, you should not settle on the first financial advisor that you speak to. Instead, you should conduct an interview with each advisor that you are considering, and ensure that their ideas, qualifications, skills, and objectives, are compatible with yours. It is impossible to predict the stock market’s future gains or losses, but you can ensure that you employ an experienced, qualified financial advisor. In order to hire the right person, you need to know where you want to go financially. If you don’t know your financial goals, then how can you trust someone else to help get you there? Your money is hard-earned, so you don’t want to trust just anyone with it and you don’t want to trust chance to get you to the financial future you most want. Start with broad goals and then narrow down to more specific goals. Maybe when you begin thinking about your future, you may only know that you want to spend your retirement traveling, but as you spend time planning, you may begin to think about large future purchases, such as a new vehicle. The more you know about what you want, the more your financial professionals can help you get it. In order to help you make a decision about which financial advisor can best meet your needs, you should go to your consultation armed with a written list of questions to ask them. By recording each advisor’s in-depth responses, you can then go back later and compare the information that you have obtained from each one. Here are a few suggestions for potential questions to pose to the financial advisors:

- What are the services that I can expect to receive from you?

- What are your qualifications? Do you have special licenses or training?

- What are your methods to preparing my financial plan?

- Once you have formulated my financial plan, what ongoing services will you provide?

- Can you share some information with me about what your general client profile looks like, and how your advice and planning has impacted their finances?

- How do you calculate your fees?

The answers that the prospective financial advisors give to these questions, will allow you to make an informed decision about which advisor will most effectively help you achieve your financial goals. Although you will want to ensure that you choose an advisor who is highly qualified and experienced to meet your needs, and whose ideas closely correlate with yours, you should be aware that the cost for the services that you receive, will increase, as the complexity and number of services the financial advisor provides increases.

More : Sydney Financial Advisors

If you’re getting a home for $200,000 and a low credit score causes you to pay a 2% larger interest rate… that 2% ends up costing you in excess of $100,000 over the term of the loan. In other words, you’ll throw away more than $100,000 just because your credit score was low.

Of course, many folks will share the opinion this doesn’t matter as you’ll in no way stay in the home for the life of the mortgage and you can always later “refinance.” It would be great if that were true but, based upon our 16 years of practical experience we’ve found consumers rarely (if ever) do this. They’re too caught up in the “Monthly Payment” and smaller monthly payments mean more interest paid over the term of the loan.

As a result, it’s not uncommon for 90 points in a credit score to cost a customer over $90,000 simply because of this type of thinking. Only focusing on the monthly payment makes about as much sense as marrying an individual for nothing but their looks. On the flipside, enhancing your credit score by as little as ninety points can put over $90,000 back in your pocket that you’d otherwise be pissing away to the bank (Yes, I say “Pissing Away” because that’s specifically what it is).

So, what’s the quickest way to increase your credit score up to 90 points – guaranteed? The answer to that question lies within the ANSWERS to these three questions:

1) What is the “HIGHEST SCORING” credit you can ADD to your Credit Report?

2) What is the FASTEST way to ADD this type of Credit to your Credit Report?

3) What impact will it have on your overall “DEBT to CREDIT” Ratio?

Contrary to popular belief the HIGHEST SCORING credit you can add to your credit report is any sort of UNSECURED revolving credit account (please note, debit cards do NOT count). Many consumers believe car loans and home mortgages signify the highest scoring credit one can add. In our experience, this is simply NOT true.

UNSECURED Revolving Credit Accounts are the RISKIEST form of credit to the lender while also being the easiest to be abused by the debtor. It’s for this Reason we think we’ve found them to be the HIGHEST SCORING when added and used properly.

Compare this to a car or truck loan or home mortgage where if you quit paying the home will be foreclosed or the automobile repossessed. The next question becomes…“What’s the quickest way to ADD this type of Credit to your Credit Report?” The fastest way to get this type of credit on your report is by obtaining what’s known as an “Authorized User” Account.

However, for this to be MOST effective, you need to have…The SAME Last Name and The SAME Mailing Address, as the main account holder. Otherwise, this approach will be limited in its affect. So, if you have a brother, sister, father, mother (or spouse) living at the exact same address as you who are using the SAME last name…

By all means, have them add you onto their $5,000 Unsecured Credit Account and you really should be looking good in no time flat. On the other hand, if this ISN’T an option, DON’T Despair. There is a “PLAN B” for you. You may be able to obtain what’s known as an…UNSECURED “Consumer” CREDIT ACCOUNT

This is an account which gives you an “UNSECURED Credit Line” of up to $5,000 but only permits you to obtain products or services from a particular catalog or website.

Kind of sounds like a rip-off, right? But DON’T be a fooled… as long as the account reports to “ONE” or more credit bureaus it’s in fact the GREATEST invention since the mobile telephone and…It has the potential to save you over $90,000 in squandered interest payments on a home mortgage.

If you’re sharp you should “get this.” If you’re “BULL HEADED” and stubborn nothing will change and the financial institutions will love that… Now, let’s wrap up with the closing question about adding an “UNSECURED” Consumer Credit Account and that is…

“What influence will it have on your overall DEBT to CREDIT” Ratio? The answer to this question is EXTREMELY crucial as the majority of consumer credit score’s suffer from a damaging “DEBT to CREDIT” ratio.

What Is Your “DEBT to CREDIT” Ratio? Your debt to credit ratio is VITALLY important to your credit score since it tells the story of how responsibly you’re using the credit you’ve already been granted. To calculate your DEBT to CREDIT ratio simply add up all the UNSECURED Revolving Credit Accounts you at this time have listed on your credit report.

Let’s say you had $5,000 worth. This would provide you a “HIGH CREDIT LIMIT” of $5,000. Now, let’s say on that $5,000 of Credit, you’re in consumer debt for $4,000. Your DEBT to CREDIT ratio is calculated by taking the $5,000 in High Credit and dividing it by the total amount of unsecured debt you have.

In this case you have 80% DEBT to CREDIT Ratio. Ideally, you want a DEBT to CREDIT Ratio of LESS than 45%. Now, in this example, let’s say you added an “Unsecured Consumer Credit Account” for $5,000. (Yes, you can only purchase products or services from their Catalog or website, but let’s look at what happens).

When the account will get on your credit report your “High Credit Limit” will instantly…INCREASE by $5,000. This will take your High Credit Limit from…$5,000 to $10,000 (Overnight…) But that’s not even the greatest part. The greatest part comes with the influence it will have on your DEBT to CREDIT Ratio.

Overnight, your DEBT to CREDIT Ratio will go from …(80%) EIGHT PERCENT Down to…(40%) FORTY PERCENT…Here’s how it occurs. When your High Credit Limit elevated from $5,000 to $10,000 from the “Unsecured Consumer Credit Account” being added, your unsecured debt stayed at $4,000. When you divide $10,000 in High Credit by $4,000 in Unsecured Debt you now wind up with a DEBT to CREDIT Ratio of only 40%.

This is the fastest way we’ve seen clients improve their credit ratings by up to ninety Points – Guaranteed. If you work hard on this credit repair technique, you will too.

If your credit score is less than perfect you are probably feeling pretty discouraged. Bad credit due to financial hardship beyond your control can be a helpless feeling but you’re not alone. With the economy being the way it has been, there are scores of people who have maybe defaulted on credit cards or declared bankruptcy due to lost jobs.

Chances are you will have a hard time getting credit through a bank or lender these days. Due to the economic crisis they have tightened up their approval system due to so many defaults over the years. Bad credit will most certainly be a problem and they always do credit checks. They will most likely ask you to find a co-signer for your loan or charge card.

No matter how you earned your bad credit score, there are options available. It really is going to depend on what you need or what best suits you. Perhaps you need a personal credit card for emergencies or online shopping, or a business credit card for booking flights, hotels and rental cars. The popular choices available today are prepaid and unsecured credit cards. Secured charge cards are another option but you need to have some sort of collateral or equity to obtain them.

Let’s assume you don’t have collateral, equity or a co-signer. First option is a prepaid charge card. A bad credit score won’t stop you from getting one. They are simple credit cards that you load ahead of time with cash. You can spend as much money as is on your prepaid credit card and the company’s don’t do credit checks. Just find someone who offers them and get one. The drawback is your credit card does not in any way affect your credit score either.

Unsecured credit cards are just what their title says. You don’t need any sort of “security” to get one. They are usually the charge cards offered by banks and financial institutions. Again chances are that with a bad credit score, you probably will not get one. If you decide to try go with your bank as you will have at least a history with them.

When all else fails there are lenders online who offer what is called “bad charge cards”. This means despite of your bad credit history, you can apply for and most likely be approved for their credit cards. Look for the lowest interest rate possible as traditional unsecured charge cards may charge you a higher interest rate. First Millennium Platinum charge card boasts a zero percent APR as long as you make your payments on time. An easy way to ensure this is to open a savings account that automatically makes your payments for you. Just make small deposits every pay.

If you don’t want to wait days for approval after you apply for a charge card, the First Millennium Platinum charge card has a quick application form with sixty second approval. Some charge card providers take up to seven business days to approve. First Millennium Platinum charge card will not require a credit check either. They specialize in charge cards for people with bad credit.

Need a little extra cash until payday? First Millennium Platinum charge card will give you cash advances. Then when you get paid just make a payment. Payday loans can get you into a helpless cycle of debt with their ridiculously high interest. I’d avoid them at all costs. Check out First Millennium Platinum charge card online. On time payments will help re-establish good credit and get you back to where you once were.

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When it comes to getting out of financial debt, you may be pondering about whether you ought to do all you can to pay it down yourself or perhaps go into bankruptcy. The solution to this concern is going to be different for all people and the position they find themselves in. Let’s glance into some details on bankruptcy, as well as some help for getting out of debt.

Bankruptcy is a legal method you enter into as a way to briefly get your collectors off your back, with the aim of either turning over your assets in order to discharge all your bad debts (Chapter 7) or paying off debt over time with long term income (Chapter 13).

A misconception some people today have concerning bankruptcy is that it’s cost-free and/or it will get you free of your responsibilities. This isn’t really the complete story. Just getting your bankruptcy started out can be pricey. Before the initial filing can be done, you have to enter into credit counseling (because of new statutes) and this can cost approximately $75. In addition, anticipate to pay over $500 for your bankruptcy lawyer.

Any amendments to your bankruptcy proceedings can cost you approximately $25. There can be approximately ten amendments per situation, so this is an additional two hundred and fifty dollars. Trying to keep property can run you up to $150 per incidence. After bankruptcy is done, you then run into perhaps needing to pay for credit repair.

Another factor to consider is if any of your debt includes IRS or state taxes, then you can delay the collection pursuits. However, it will all begin again because you can’t get out of this by means of bankruptcy. With Chapter 13, you can avoid penalties and interest adding up and pay it off over the life of the program established. With Chapter 7, you can’t avoid interest and penalties from accruing.

Finally, your credit will be damaged after personal bankruptcy and you will need to work hard on your credit rating so it displays your bad debts as being legally discharged. Until then, future creditors will still see that you’re on the hook for them.

Bankruptcy is a big decision and can have lasting unfavorable effects upon your life. If you’re in a place to pay your debt down as a substitute, then consider looking into a debt consolidation loan. Talk to your bank rep or credit union representative. If that doesn’t work, then examine financial debt settlement or consumer credit counseling.

If you’d rather not include others, try the personal debt stacking approach. Pay off your smallest financial debt first. Then, take what you’re paying on that one and put it to your subsequent smallest debt. Keep doing this right up until your whole debt budget is paying down your greatest consumer debt. This can be very helpful and have you out of debt without loans or bankruptcy.

The bottom line is it’s very likely best to work to get out of debt on your own before you transfer into the place of bankruptcy. Only you can make that call immediately after you’ve looked into all your feasible choices.

Your credit report is extremely essential for more reasons than basically finding loans whenever you need one. With more managers looking into credit files when it comes time to bring on new workers, you may perhaps be in for a rude awakening the next time you go in for an interview.

In addition, insurance businesses are taking a look at customer’s credit reports and judging how much to charge for their rates based on what they uncover in there. It’s up to you to fully grasp what’s in your credit file and as you can see, it can impact more things in your life than whether you’ve been productive at paying off debt well enough to get a car or truck loan.

The 1st habit you want to get in to is to examine your credit record each 6 months or so. This is critical due to the fact there are all kinds of blunders that can be made in regards to your records. With each of your creditors reporting your activity, such as balances owed, late installment payments, charged off accounts, etc there is room for error.

Often, you’ll discover that the info isn’t the same across the three main credit bureaus. The big 3 are TransUnion, Equifax and Transperian. Make sure that when you go to examine your report that you order one from all 3. It does you no good overall to examine only one and then question what the other 2 show about your credit background.

Each year, you’re allowed 1 cost-free record, so take benefit of that at the very minimum. After you have your reviews in your hands, go over them very carefully and check for any mistakes that may well be in there. Check for mistakes relating to balances, your cost history, accounts that should be eliminated, etc. You can ask that undesirable debts or charge offs over 6 years old be eliminated, as well any bankruptcies that took place over ten years ago.

Once you see what your credit reports look like, work on attacking your plan to get out of debt. You’ll be ready to see any problem areas and which collectors you really should contact first. Work on the kinds that may be reporting unfavorable information about you simply because you’re getting behind on payments, etc.

If you will need help for getting out of debt, then you may possibly want to search into possibilities such as personal debt settlement, consumer credit counseling, or consumer debt consolidation. Make certain you investigate several firms and organizations to be sure that you’re dealing with reputable men and women.

Do on-line queries for any unfavorable reviews and inquire for referrals. Call those referrals and ask them their experience with that company. Once you’ve discovered the proper resolution, get your program in motion and then do the difficult element: stick to it until all your credit card debt is eliminated.

It’s never late to learn how to manage your own finances. In fact, this is a skill that even the youngest student should learn out of his or her own weekly allowance. The reason why you should learn financial management is because if you don’t learn how to properly manage your finances early in life, you may have a difficult time disciplining yourself later on when you’re already handling your first salary.

In general, people can be placed into two categories – the spenders and the savers. Of course there are stereotypes cast for both extremes. The spenders would use up all of their income (and even beyond their income by using credit card s) in order to buy everything they want. You know a person is a spender if their first instinct when they receive their salary or a bonus is to go shopping. On the other end of the spectrum are the savers, who sometimes have the unfortunate reputation of being misers.

Wise financial managers are somewhere in the middle of the two extremes. Of course, it doesn’t make sense to just save up every single dime you have and for go pleasures you can afford such as a simple vacation simply for the sake of saving. It also doesn’t pay to spend every single dime as if the fate of the world depends on your shopping habits. The best approach when it comes to cash flow is to save a little and spend a little.

For those who are having trouble managing their finances, here are some simple tips.

Live Within Your Means

You’ve probably heard your grandmother remonstrate you with this adage when she found out you bought a flashy car. In today’s materialistic world, you are bombarded with commercials that tell you to buy this and buy that, regardless of whether you need an item or not. This is the reason why some people are living beyond their means – they just have to buy the newest gadgets obsessively, even if they can’t afford it. In order to buy these items, they resort to using their credit card s or even taking out a loan without considering if they can manage the monthly payment.

Set a Maximum Level of credit card debt

If you can use a charge card wisely, you have one of the tools for effective financial management. However, you need to show real discipline to be able to handle credit card s. This is because a credit card in your pocket is an ever-present temptation when you go shopping. After all, you can buy just about anything within your credit limit.

Credit card s are useful for big ticket purchases that would take you a year or so to save up for. If you can get the item on an installment basis at 1% or lower per month, then it’s a pretty good deal.

Ideally, you should pay the entire outstanding balance per month to avoid finance charges. If you can’t, you must remember to set a personal limit as to the amount of credit card debt that you want to have. Most experts recommend an amount equivalent to your one month salary at the most. This will ensure that you won’t have an impossible time paying for your bills if you ever have to leave your work.

Save for a Rainy Day

Finally, remember to save a percentage of your salary. Most experts recommend at least 15% of your salary should go to savings. That way, you’ll be prepared in case of emergencies.

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Let’s show to you how to gain entry to your credit report on-line for totally free in less than 60 seconds without a credit card and safeguard yourself from identity bandits.

Today you’d need to be an ostrich with your head in the sand to not listen to at the bare minimum thirty ads each month offering you a “totally free” credit report. The trouble with these services being advertised, is they all ask for a credit card in order to grab your report. Sure, your credit report is free of charge, as long as you agree to sign up for a 30 day trial to their Credit Monitoring Service (or whatever they decide to call it).

The unhappy reality is these plans rely on the simple fact you will likely forget to stop the “free trial” to their service which you started only to get your “cost-free” report in the first place. Then, you end up getting billed and canceling anyway.

What we’re going to show you is a thing we’ve been doing for years and only shared with close friends until now… (Please observe: The only way this will stop working is if the Credit Bureaus modify the rules (which we believe they will so you better act on this right away). Here’s how it works. There’s…

3 Simple Actions

STEP ONE: The greatest way to shield yourself from Identity Theft is to put a “Fraud Alert” on your credit reports. This fraud alert makes it impossible for anybody to get any “hard inquiry” credit in your name without having the creditor having to physically CALL YOU at the phone number you list on your credit report. No phone call from the creditor = no credit granted.

The wonderful little “side effect” of establishing a Fraud Alert on your credit report is that you automatically get a free of charge copy of your credit report when you do it! But wait… it gets better! There’s a unique place you can start the Fraud Alert on the internet and you’ll get access to your report, INSTANTLY! The link to go to is: experian.com/fraud/

STEP TWO: Now that you’ve finished action one and gained on the spot online entry to your credit report you’re now prepared for step 2. Since your Fraud Alert merely lasts 90 days, you must set up a reminder to “re-initiate” the Fraud Alert every ninety days.

We propose you set up this reminder on your cell phone so you don’t overlook it (by the way, if you’re having to pay over $100 a year for identification theft protection, you may opt to cancel it and save your cash… it’s a false sense of security in particular when doing…

STEP THREE: This final step, in our opinion, offers you superior identity theft protection than any paid service. Again, make sure you teach yourself so that you have a full education on this subject of credit repair.

Now, a few identity thieves are extremely wise… rather than to try for credit with your data they will do a thing we call “Credit Hijacking” and it works like this…

An identity thief will acquire your information and posing as you call one (or all) of your credit cards and modify your billing address. This way they can order products on the net and have them delivered to the “new fraudulent address” and bypass on the web merchants who use a security function known as Address Verification System (or A.V.S. for short). When merchants use AVS a charge on your credit card can only be dealt with if the items obtained are delivered to your credit card billing address.

In order to safeguard yourself from thieves that do this you will need to generate a separate password with each of your credit card accounts. This password generates an additional tier of security beyond simply the “last four digits of your SSN” or “your mother’s maiden name” as this data is way too public and simple for criminals to obtain…

Now, let’s go over 1 final critical idea for defending yourself against 21st century Identity Thieves…

Why You Should Never Ever Use Your Home Address On Your Automobile Registration!

Some criminals are getting truly creative; like the ones that go to a parking garage at a medical center and break into a health professional’s auto. Not to steal his auto. Not to steal his stereo. No… They’re much smarter than that…

Instead, they took his auto registration. Why? Because it had his home address on it. Combine this with his garage door opener (off his sun visor) and the crooks were then off to his property.

Once there they pulled their van into his garage, only to come across the door into his house… UNLOCKED! They then proceeded to fill their van completely full of his life possessions; from big screen TV’s and entertainment systems to art and jewelry… In the end, the crooks made off with almost one hundred thousand dollars worth of valuables…

Don’t make this mistake.