From the video we can see that our money at US banks are actually very safe up to the amount the FDIC insured. The action of FDIC is really quick.

Robber leaves resume……..Are you kidding me?

I have complained that even at day time I have to talk to Indian Customer Representatives from Citi. I am not saying that the service from Indian Customer Representatives is very bad. But it’s true that the quality is not so good. How can the biggest bank in US sell the customer service to India? Will this really lower the cost? Compared to Citi, AMEX and Discover are really good. You can always talk to an American representative who will save a lot of time for you. Chase is also improving their customer service all the time.

The most terrible thing is the Identity Theft is very popular in India. Below is a “must see” video.

By the end of this year, consumers in all 50 states can have the right to freeze their own credit files in all 3 credit bureaus. A security freeze gives consumers the choice to “freeze” or lock access to their credit file against anyone who may be trying to open up a new account or to get new credit under their name. In this way, an identity thief cannot open a new account. However, if you want to apply for a credit, you have to unlock your credit accounts by using a special PIN number.

Each year, there are millions of Americans suffer from the identity theft. Obviously, consumers’ personal and financial data has become the gold of 21st century. That’s why we witness so many ID thefts in the modern information society. (In set shows the major ID leaks this year.) Freezing your credit files is the first step which you can do to against the identity theft. The cost is $10 for each credit bureau for a year. Then, if you want to apply for a mortgage, car loan, or credit card, you have to pay another $10 to unlock your credit file. Is the credit freezing worth the money? I leave this to you to make the judgments. Actually, there are many credit monitoring services available. You can use those services to monitor your credit files at 3 credit bureaus at any time. (See the post here.)

Video about Credit Freezing

We should have some laughs. Enjoy it!

It’s weekend now. WE need some laughs!

Here is another video shows you can’t be too carful when you are eating at a restaurant. Be careful about any suspicious behaviors!

We should always be careful about our credit card. DO NOT simply give our card to anyone. See the video