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Rarely is real estate closing information completely neutral; usually there's a point of view, maybe even a hidden agenda. Because it's so easy to publish on the Internet, opinions on real estate closing abound. Always consider the source of the information. A website fully devoted to wireless laptop modem is more likely to be reliable than one that covers lots of disparate fields. We do recommend at the end of the day that you check out the information for yourself. You are often the very best of judges.

Why is this important? The Internet abounds with all sorts of information on real estate closing, but unless you can be reasonably sure of its source and accuracy, be wary. For example, information about real estate closing posted in Internet newsgroups can be flawed. Even if the real estate closing document contains great technical detail, there is often no hard evidence to back up the claims. Don't make the mistake of accepting gossip as truth, which may prove to be professionally and financially embarrassing.

umer Tips: Debit Card Fraud

 by: News Canada

(NC)-With approximately 36,000 ABM machines, and some 460,000 direct payment terminals in more than 350,000 businesses across Canada, it's not surprising that Canadians are the highest per-capita users of debit cards in the world. Recent media stories have reported debit card fraud and the need for consumers to take proper precautions to protect themselves.

Beware of retailers that swipe your card twice. The second swipe may be on a card reader that skims your personal bank information from the magnetic strip. Thieves create fraudulent cards with this information, which enables them to take money from your bank account. First, however, they must get your personal identification number, or PIN.

They do this by what is termed "shoulder-surfing" (peering over someone's shoulder when they punch in their four-digit personal identification numbers), in some instances they also use concealed cameras, installed in the ceilings above automated teller machines, which photograph the PINs.

Follow these tips to protect your money and your debit cards against fraud and misuse:

  • Never disclose your PIN to anyone - including family, friends, financial institution employees or law enforcement agencies.

  • Keep your debit card in a safe place and never lend it to anyone. If you suspect that someone knows your PIN, change it immediately or contact your financial institution to cancel the card.

  • Memorize your PIN. Avoid writing down your PIN. If you must do so, make sure that it is well disguised, for example, by re-arranging the numerals or substituting other numerals or symbols, and by keeping it within a record of other information.

  • When selecting a PIN, do not use obvious information. You could be liable if you use your name, address, telephone number, date of birth or social insurance number.

  • If your card is lost, stolen, retained by an ATM, or you find that there has been an unauthorized transaction, notify your financial institution immediately.

  • If you have made a purchase which does not appear on your monthly statement, change your PIN immediately and notify your financial institution as the information on your card and PIN may have been stolen at a bogus machine.

For more information on common fraud and scam practices, and how to best prevent them, visit the Canadian Consumer Information Gateway at ConsumerInformation.ca, a Web site developed by Industry Canada's Office of Consumer Affairs. Created by federal, provincial, territorial governments and their partners, it provides Canadians with access to hundreds of objective, reliable, current consumer information sources.

About The Author

News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.

News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.

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