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What to do in case of FRAUD

IDENTITY THEFT

Be prepared
in case of loss ...

1. Quickly cancel stolen credit cards. Keep photocopies of important wallet contents. Include account numbers and phone numbers of all credit cards so they can be quickly canceled.

2. File police report in the jurisdiction where theft occurred.

3. Call the three national credit reporting organizations.
Equifax, Experian (formerly TRW) and Trans Union.

4. Check with
ssa.gov and ftc.gov for assistance.

SSA's Fraud Hotline
800-269-0271,

Federal Trade Commission (FTC) ID Theft Hotline
877-IDTHEFT (438-4338)
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QUICK GLOSSARY

Capital Market is investment in long-term securities such as stocks and bonds. Compare to Money Market.

Certificate of Deposit
is a written promise by a bank to repay the depositor, usually with interest. Individual CDs start as low as $100 while institutional CDs start at $100,000. Maturities range from a few weeks to many years. Interest rates are competitive in the market.

Money Market
is investment in short-term debt securities that can be quickly turned into spendable cash. Compare to Capital Market.

Money Market Fund is an open-ended Mutual Fund that invests banker's acceptances, CDs, commercial paper, government securities, repurchase agreements and other liquid and safe securities. The fund pays money market rates of interest, which raises and lowers while the fund's net asset value remains $1 per share.

Mutual Fund involves an investment company collecting money from shareholders to invest the money in stocks, bonds, options, commodities and/or money market securities. A small management fee is charged to the stockholder while the fund offers the advantage of diversity and professional management.


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