The consolidation of credit card is a popular solution for those with significant credit card debt, usually distributed on three or four different cards. Basically, this means putting all your debts together on a single card, like transferring it all on a loan. Of course, the goal is to choose a card that offers better conditions than it already is, in short, not only simplifying but also to reduce their payments. Since there are so many deals out there, and lenders fight for your business, sometimes you can find solutions that can save thousands of dollars per year. If the consolidation of your debt to a credit card with low interest and 0% balance transfer, you can save considerably, and pay your credit before (which, of course, is the main objective when it comes to debt card credit). The biggest mistake people make when consolidating is to go through the entire process just to simplify their accounting, and not enough attention to how much you can save. Another mistake is to close zero-balance accounts when consolidating.

This practically means that close some credit options, which is never a good idea. When it comes to consolidation, call your bank and explain the situation. They want their business, and you will be surprised how flexible and willing to negotiate may be, once it is explained that you have several options available to take your business somewhere else. There are many websites that offer solutions for debt consolidation. However, note that while this is a quick and easy solution, do not have the options to negotiate directly with the banks.

Destruction of documents, drafting of electronically stored information, careful selection of employees who come into contact with the personal information of customers and employees, physically locking file drawers with sensitive information, and the creation of firewalls on computer equipment connected to the Internet, among hundreds of other solutions, are all good ideas. The old adage that an ounce of prevention is worth a pound of cure is definitely the case when it comes to protecting personal information. However, no matter what preventive measures you take, there is no 100% effective way to ensure that employee information will not be compromised. Even if the information does not leave your company, an employee may claim that he did. It is a frightening thought! What if an employee claims your information was stolen through the actions of his company, but there is no real evidence to back it up? You will end up hiring (or using) an attorney to represent and defend your company in court.

A $ 150 – $ 200/hour for most attorneys in the United States, how long can you afford to defend your company? So what can you do? The only safe solution, or at least the only solution that would at least provide an affirmative defense against the fines, fees, and demands that you may incur as an employer, offering some form of identity theft protection as a benefit for employees . As an employer, you can choose whether or not to pay for this additional benefit. However, the most important thing you can do is make the protection available, and have employed a mandatory meeting, similar to what you probably already do for health insurance to help employees understand theft identity and Protection is making available.