The Fair and Accurate Credit Transaction Act, known commonly as FACTA, was put into law in the United States to help to protect consumers from identity theft and to help in its prevention. FACTA ensures that all citizens are treated fairly when they apply for a mortgage or other form of credit and it entitles them to a free annual credit report to verify its accuracy.
Becoming a major epidemic, Identity Theft occurs when a criminal uses another person’s personal information to take on that person’s identity. Identity theft includes the misuse of a Social Security number, credit cards, mail fraud, scam, schemes, frauds, or any other form of misuse or abuse of a victim
When I was young, my family had a game table in our basement that my siblings and I all enjoyed. We played chess and checkers just about every night to amuse ourselves and I can still recall many fond memories of conversations we had while seated around that table. My mother would always want us to play upstairs where she could keep a better eye on us, but that would have meant bringing the game table upstairs as well. Unfortunately, that wasn’t a possibility. You see, our game table was perfect for games, but horrible as a piece of furniture. Ugly doesn’t begin to describe the aesthetics of our table. It wasn’t that it once looked good and years of use had worn it unevenly. In fact, because we loved the table so much, we took great care of it. This table was never attractive to begin with, as gaming was its primary function. Luckily, things have changed.
When we think of giving gifts, we usually think of things to buy for people. Yet if you think back on gifts you