Loss or theft of the card:
It is when a card is physically stolen or lost and someone has been found, and then is used by another person who pretends to be you.

Duplication or skimming of card:
The duplicate of the card is encoded and is performed without the permission of the card company. Most cases involve the copying of information from the magnetic stripe of a card without the knowledge of the true owner. This fraud will be unconscious until the unexplained costs on their bills.

Theft of data:
This happens when you steal your card information during a transaction or by a receipt and use it to shop at a distance, for example by telephone or via the Internet.

Theft of the card before we receive by mail:
This fraud occurs when your card is stolen before reaching his home. Usually the financial institution where the card is sent by post

Changing the identity cards:

This fraud is where a trickster uses your personal information to open an account in the name. There are two types:

• Use of Fraud: The fraud occurs when a criminal steals documents such as bank statements, and uses them to open a new account in your name.

• Taking ownership of the account: This one fraud scammer will use your personal information to become you and convince the bank to direct payments to another party.

Cashier fraud:
This type of fraud is carried out by placing false entries of cards that read the magnetic strip and stores it for later be copied; this method is usually combined with a keyboard that also stores your code or a secret chamber at the top to be able to record the number. This way they can make a copy of the card and withdraw money from ATMs without any problem with obtaining the PIN.

How to prevent fraud financial institutions?
The chip and pin was tested in late February 2006 in the UK and is a combination of two security features. The first is the computer chip in the front of the card that stores the information with more security than a magnetic strip; the second is that your personal identification number (PIN) is required for all purchases. This makes the cards more reliable than magnetic strip signatures.

Many card issuers make their own bases of fraud and monitor any unusual transaction that is made with the card is detected and then contacting the owner to ensure that the transaction was legitimate.

What happens if fraud?
Call the card issuer immediately! If you’ve been a victim of fraud is almost always the financial institution shall bear the costs. Not only will refund all the money lost, but your credit will not be affected, however the entity assumes that you have taken basic precautions like not to tell others the secret number.

What steps can I take to prevent fraud?
There are many simple measures you can take to reduce the chances that the scammers are waiting. These are:

1. Immediate knowledge of the entity is lost or stolen cards.
2. Never lose sight of your card, treat it as if money is involved.
3. Never tell anyone your password or store any reminder of it around your card.
4. Check your bills carefully as soon as it has in his possession to see if there are unknown purchases
5. Use it only in shops which rely on, if you have the slightest doubt, do not use it. Before entering your card at an ATM make sure the keyboard is original and not cameras over there, and that the entry of the card is also original. Also covers the other hand when you enter the PIN number.
6. Keep your mobile phone in which the entity has provided, so that in case of loss or theft can cancel them immediately.

Often found in many books on financial education indicate that wealth is achieved by controlling our expenses, rather than increase our profits, and of course this is very true, we can make lots of money but if you spend more than we receive, we definitely will not be rich. However, for many it is practically very difficult to save, but we propose, or perhaps save a little. So how quickly can we do to earn more money? The answer is to have the habits, beliefs and appropriate tools. Most people earn between ten and thirty per cent less than they could earn if you just take control of your career. There are some simple set of rules, to retake control and achieve our financial success.

What is winning now is what you accept

Usually we complain of our work, our pay, our boss. If you believe there are other companies that pay better for what you do, update your resume and explore the option of getting a better job and salary. If you think that is worth more than what you are paying, look around you and see if it is true. If that was not quite right, at least have a good reason to stop complaining and focus on new options.

Society rewards those who add value

Many times we focus on anything else if we’re doing a good job, but rather should be asked to add value to your company, if you run your own business, they want to see their clients and give them, as if an employee or employer. Search and add value to the environment, your company, and its peers.

See that’s what makes it valuable to be unbeatable

All have talents that make us different from other, usually something we like to do, what we are good. If you concentrate on what you like, will be unmatched in this valuable and therefore get paid for doing so.

Do not waste your time on things that other people should do for you

Time is our “active” most precious, and sometimes it does not seem to assess as such, since many times we lose by doing things that others can do. Calculate how much you earn in an hour and then never do anything so that you can pay less for another to do it for you.

Write down your goals in a place that all can see

Consider goals and objectives is one of the most effective methods to get something and bring it to the world, is very useful because they always have, and even others can help us achieve them.

Invest in yourself

The successful people know that the power of an idea can change your life forever, so watch your education, read books, go to classes, listen to tapes on motivation or audio books. All this will help you improve your quality of life and feel happier.

Learn to be a donor

The key to life is not to be an enterprising person but being a good “donor.” The enterprising person looking for while the donor is more interested in, so adding value is always willing to help. People always remember this gesture and in the end as it has returned.

Take a decision and is determined

Your financial future can be modeled in the time to take a financial decision. Choose which is important in their lives; the worst is that diligence is not done. Furthermore it is decided to become someone you can trust, you can gain the respect of colleagues: being punctual, having a plan of action and implement it, doing what they always said they are going to do, being polite and responsible.

To earn more money, you need more money

In the world of sales has been said that the key to success is to learn that you have to apply for the order, and this applies not just for sales but for everything in life. When adding value, you will be able to request a salary increase.

Live as philosophy Do it NOW!

Life is not a dress rehearsal in life you get exactly what they intended. Your journey to financial success is just beginning, but do not let it consume so much this trip to miss the moment with people you love, be sure you want to show how important they are in your life, this is also a how to add value.

The money that protects the life you’ve built and you dream of making things depend on ourselves. It protects us against any adversity and in the future. But beyond the basic needs the money sought welfare in many aspects of our lives in which we invest much of our income. For example, there are people who invest in arrangements and accessories to make the home more comfortable and pleasant, while others invest in travel, books, theater, cars. Some people value education more to buy a car or heating, as a way to improve the quality of future life for their children. Large amounts of the budget of many families invest in education, while some people may need to change your car to feel safe.

Experts have determined that the success for all our needs depends not only on the amount of our income, but above all, how they are administered. If we master our finances can cope with the unexpected and make decisions according to what we want, not by obligation. The organization and anticipation we guarantee the success of our projects. Therefore it is necessary to manage our revenue through a budget plan savings spending habits have organized and payments that allow us to undertake investments in the short and long term.

To successfully manage our income, we need clear objectives and the lifestyle we want. This will allow us to make plans, projections and consider the type of investments suitable for this lifestyle. The proper handling of our income requires planning and action. Here are some steps to pre-planning are important to consider:

• You must develop an assessment of the current financial situation that allows you to anticipate and keep a reserve of money, regardless of the situation it faced.
• Monitoring of expenditure in the short and long term, by reviewing your checkbook, your credit card records, statements from their bank accounts and mortgage payments.
• Remove an emergency fund that has a minimum of three to six months of accumulated income.
• Make short-term investments, which allow you to increase your income and have money at the time you need to assume long-term investments that require significant capital.

You may not be present at all times each of the expenditure made during the year, so these estimates and many others can be controlled by developing a budget.