College Identity Theft Is Big Concern

College Identity Theft Is a Big Concern for Students and Parents, Frank N. Darras, of DarrasLaw Offers Tips to Keep Your Kids’ Information Safe

Students out on their own for the first time are at a high risk for identity theft. It’s important to warn them of the risks and to take extra precautions to keep their private information private.

Ontario, CA – September 09 – According a consumer alert at the National Association of Insurance Commissioners, identity theft is a growing problem in the United States, leaving many Americans in debt due to stolen funds. Identity theft is one of the fastest growing crimes in the United States, costing victims more than $5 billion annually. In particular, many college students don’t think about identity theft and how it might impact them. These young students can be ideal targets because they tend to remain unaware of how their credit file and history works along with any future consequences. Read More.

There are many ways identity thieves can take advantage of college students including the opening of new bank accounts or loans taken out in the students’ name. There are various ways theft can occur and students need to do their best to protect their identity.

In an interview with US News, Alan Woodward, a cyber-security expert, says students don’t need too much prompting to protect themselves from identity theft: “To protect themselves, students shouldn’t share login details with anyone and should refrain from posting private information – such as a full address, social security number, or date of birth – on social media, because thieves can use those to confirm identities, Woodward says. Students should also vary passwords between accounts, which shouldn’t relate to their personal information, and avoid saving passwords or PIN numbers online or on their computers or phones, he adds,” (How to Protect Against Identity Theft in College: US News, October 2, 2012).

“It’s hard to see so many young people being taken advantage of when it is so easy to teach them the proper way to protect themselves,” states Frank N. Darras, America’s leading disability insurance lawyer. “Identity theft happens much too frequently in this country and that is something we need to change. By teaching our youth and ourselves how to protect against identity theft, we have taken our first strong defensive step. The next step is to see what insurance options we have to prevent losing our savings.”

Some insurance companies now offer identity theft insurance and it is typically offered through homeowner’s policies. The policy “will reimburse a policyholder for expenses incurred to restore his or her identity, up to the limits stated in the policy.” Unfortunately, there is nothing out there to return the money that was stolen but at least identity theft insurance can help cover funds used to file paperwork or help reclaim a stolen identity (Do You Need Insurance For Identity Theft?, August 2014).

“Don’t leave the protection of your income and life savings in the hands of someone else. As soon as you can, look at all the beneficial insurance policies out there and talk with your insurance agent about what you need for your family. Always be sure to read over any policy carefully to know what you are buying,” says Darras.

Frank N. Darras is available for interviews, contact Robin Nolan at McDavidPR. 919-745-9333

Contact Information

Robin Nolan
+1 (919) 745-9333    Robin Nolan, McDavid Public Relations

Scholarship Benefits Disabled Students

Auger & Auger Scholarship Benefits Disabled Students

Law firm offers $1,000 to undergraduates with disabilities

CHARLOTTE, NC – September 09 – Auger & Auger announced a new scholarship for disabled students today. The firm says the scholarship is intended to help level the playing field for students with physical or mental disabilities.

Auger & Auger founder Herb Auger says that the scholarship for $1,000 is open to both current undergraduates and high school students that have been accepted to a college.

“This is a group of students that historically faces numerous obstacles,” Auger said. “Our colleges and universities are required to be accessible to disabled students, but that doesn’t eliminate the many social and financial barriers they experience.”

Auger says the scholarship is one way of lowering those barriers.

“By assisting with tuition and other expenses, our hope at Auger & Auger is that high-achieving disabled students won’t be held back by financial worries.”

As a personal injury law firm, Auger & Auger frequently works with accident victims who will cope with disabilities for the rest of their lives. Auger says that has given his lawyers and staff a strong sense of empathy for the difficulties that disabled persons face.

“Some people are born with a disability and others are left with one after a terrible injury or accident,” he said. “No matter what the cause, disabled Americans are often viewed differently. Most people cannot understand the pressures they go through every day.”

Auger says the scholarship won’t eliminate those pressures but could help deserving students overcome them.

“Our hope is that this will help someone complete their education and achieve their dream. And that shows the world that a disability doesn’t have to hold you back.”

The Auger & Auger Disabled Scholar Award will be awarded twice a year. Application details can be found online.

About Herb Auger:
Herbert W. Auger, Esquire is a Charlotte personal injury lawyer with over 20 years of experience helping victims of auto accidents receive fair compensation. A founder of Auger & Auger law firm, Herb Auger believes in an aggressive results-oriented approach that maximizes the awards his clients receive. He can be contacted at:

Auger & Auger
717 S. Torrence Street
Suite 101
Charlotte, NC 28204

Contact Information
Herb Auger
Auger & Auger
+1 (770) 481-1769

Student Debt Relief Options

Montanans Discover Two Best Student Debt Relief Options Thanks To helps the residents of Montana who are riddled with student loan debt by reviewing and ranking the top two student debt relief in the area.

Helena, MT – September 09 – If you like wide-open spaces, you’d love Montana. It consists of 147,046 square miles, making it America’s fourth largest state yet has a population of just 902,195. This means Montana has roughly six people per square mile.

Montana’s state slogan is The Treasure State based on the amount of copper, gold and silver that’s been mined there. The name Montana comes from the Spanish word for mountainous, which makes sense in that it’s very mountainous and its highest point is Granite Peak at 12,799 feet.

Butte, Montana has been called “the richest hill on earth,” but residents of Montana have not exactly profited from this as its students graduate from college owing an average $27.475 ranking the state 18th in the nation. Also, 64% of Montana college students are unable to go to school without taking out student loans. This is despite the fact that college in Montana is fairly affordable. For example, the cost for an in-state student to attend the University of Montana for a year is just $18.336. Montana State University costs a bit more at $19,476 but a year at the private school Carroll College costs a whopping $40,051.

Studentloanconsolidationreviews.orgrecently named National Debt Relief and SoFi (Social Finance Inc.) as the two best options for Montanans seeking relief from their student debts.

Michael Smith, a spokesman for said, “We studied the student debt relief options available to residents of Montana and concluded that these two are the best. We gave National Debt Relief top marks based on several factors not the least of which is what it can do for its customers. But we also liked SoFi for its low interest charges and the career counseling it can provide its borrowers”.

When hearing the news of its top rating National Debt Relief spokesman Paul Ritz commented, “We were pleased to hear this because we only recently introduced this service. We take pride in the fact that we can help our customers obtain direct federal consolidation loans or change to repayment plans with lower monthly payments and better terms.”

While SoFi specializes in student loans and debt consolidation, National Debt Relief works through the US Department of Education to find its customers the best repayment programs given their financial circumstances.

“We believe that when it comes to student debt there is no one size fits all,” said Ritz. “Instead, we analyze each of our client’s financial situation and federal student loan portfolio. We can offer a suite of options for student loan repayment from the Department of Education This allows us to provide a client with the one that’s best suited to him or her given their financial circumstances. For example one of these options is the Graduated Repayment Program. It’s become very popular because it allows low-income graduates to start with low payments that increase gradually every two years as their income increases.” also gave National Debt Relief its top score as it consistently maintains an A rating with the Better Business Bureau. Plus, it’s been in business since 2007 and has helped thousands of individuals and families find relief from their debts through debt settlement.

SoFi was ranked second to National Debt Relief due mostly to its business model. It uses peer-to-peer lending where the loans come from the alumni of the 550 colleges and universities that belong to the SoFi network. ”For people who need a debt consolidation loan SoFi can be a good option, noted Smith.”However, to be eligible for a loan from SoFi you must be a student at or the alumnus of one of the schools in SoFi’s network.” Additionally, marked SoFi down because it will consolidate federal student loans with private loans. This is a practice frowned on by many experts because once these loans have been consolidated, the borrower loses all of the benefits and advantages associated with federal student loans including loan forgiveness, cancellation, deferment and the seven different options for repayment, and is basically stuck with a fixed term and fixed monthly payment.

People struggling with their student debts should definitely go to the site to learn more about National Debt Relief and SoFi.

Contact Information
Jimmy Saver
Best Debt Consolidation Loans
+1 (877) 869-5111

More Approved for No Credit Check Auto Loans

134 More Bad Credit Auto Shoppers were Approved for No Credit Check Auto Loans in the Month of August

Complete Auto Loans, the trusted auto lending network is proud to announce 134 more applicants were approved for their loan last month.

Seattle, WA – September 05 – August was a great month for shoppers to get a loan. 134 more shoppers were approved to get no credit check auto loans in August with instant approval. The online lending resource makes getting an auto loan up to $35,000 easy with their online application process. – Get approved for a car loan in as little as 60 seconds.

Using the online application form is easy and takes as little as 60-seconds. Once the application is filled out, Complete Auto Loans matches the applicant with a local area lender that can provide the best loan possible.

As an extra service, Complete Auto Loans also provides a complimentary online credit score tool which has helped drivers save thousands of dollars. Upon completing the easy online car loan application, applicants are given the opportunity to save thousands of dollars on their loan. For more information, visit Complete Auto Loans website.

About Complete Auto Loans
Complete Auto Loans is a Seattle-based company that is dedicated to helping their customers acquire national car financing. They design and develop customized no credit financing, bad and good credit loans. Voted the best for “Quality Customer Service” and “Best National Service” by thousands of people, their finance experts focus on providing their customers with the following: information and tools available for different loan offers, how to choose the best loan that fits their budget, as well as related eligibility guidelines.

Contact Information
Keith Eneix
Complete Auto Loans
+1 360-631-9441

Quantitative Finance Careers For Students

Stevens Institute of Technology Launches First Book in Series on Quantitative Finance with Springer/Apress Publishing

First Title to Focus on Post-2008 Financial Engineering and Risk Management Methods: Students preparing for careers in quantitative finance have a new resource to help them understand real-world applications of financial engineering and risk. A new book, Practical Methods of Financial Engineering and Risk Management, written by Rupak Chatterjee, PhD, is now available.

Hoboken, NJ – September 05 – First Title to Focus on Post-2008 Financial Engineering and Risk Management Methods: Students preparing for careers in quantitative finance have a new resource to help them understand real-world applications of financial engineering and risk. A new book, Practical Methods of Financial Engineering and Risk Management, written by Rupak Chatterjee, PhD, is now available.

Practical Methods of Financial Engineering and Risk Management integrates a real-world view with the applications that are most relevant to the ever-changing marketplace. The author is an Industry Professor and the Deputy Director of the Financial Engineering Division at Stevens Institute of Technology and former director of the multi-asset quantitative research group at Citigroup in New York.

“For the first time between the covers of a single book, Practical Methods of Financial Engineering and Risk Management presents in a fiercely pragmatic way a large assemblage of statistical techniques and analytic measures that have been devised and deployed to control and hedge risk in the cold light of the post-2008 realities,” said Dr. Chatterjee.

This book is the first in an innovative series focused on the fast-growing field of quantitative finance being published through a partnership between Stevens Institute of Technology, a private research university located in Hoboken, New Jersey, and Springer/Apress, global publishers of high-quality STM content for technology professionals and researchers in academia.

“Events from the collapse of Lehman Brothers to the Greek sovereign debt crisis demonstrate the urgent need for adequate knowledge and tools to measure and anticipate the amplitude of potential swings in the financial markets,” said Dr. Chatterjee. “Yet many on Wall Street continue to rely on standard models based on artificially simplified assumptions that can lead to systematic (and sometimes catastrophic) underestimation of real risks.”

Dr. Chatterjee, drawing on more than 15 years of experience as a financial analyst for many of Wall Street’s top firms, covers the core set of concepts and skills that practitioners today must master, including fundamental analysis of financial instruments using Bloomberg terminals, statistical analysis of financial data, simulation of stochastic processes, statistical modeling of trading strategies, optimal hedging Monte Carlo (OHMC) methods, credit derivatives valuation, counterparty credit risk (CCR) and credit valuation adjustment (CVA), Basel II and III risk measure, power laws and extreme value theory (EVT), and hedge fund replication.

For students, this volume serves as a comprehensive introduction to the current state of the industry. For finance professionals, it provides a salutary update on the latest concepts, tools, valuation techniques, and analytic measures being deployed by Wall Street’s most astute quants.

Forthcoming titles in the Stevens̶Springer/Apress series will range from topics such as derivatives pricing, hedge fund modeling, market microstructure, portfolio theory, and securities law to the financial applications of optimization models, high-performance computing, knowledge engineering, systems technology, big data migration, munging, computational methods, programming tools, data visualization, algorithmic strategies, and object-oriented design patterns.

Practical Methods of Financial Engineering and Risk Management is available in both hard copy and electronic versions, distributed through all major retail channels, including Amazon, iTunes, and Barnes & Noble, as well as via SpringerLink (Springer’s industry-leading electronic distribution channel to academic and industry customers worldwide), Books24x7, and Safari.

About the Author
Dr. Rupak Chatterjee has over fifteen years of experience as a quantitative analyst working for various top-tier Wall Street firms. His last role before returning to academia was as Director of the Multi-Asset Hybrid Derivatives Quantitative Research group at Citigroup in New York. He was also the Global Basel III coordinator for all modeling efforts needed to satisfy the new regulatory risk requirements. Previously, he was a quantitative analyst at Barclays Capital, a vice president at Credit Suisse, and a senior vice president at HSBC. His educational background is in theoretical physics where he studied at Stony Brook University and the University of Chicago. His research interests have included discrete time hedging problems using the Optimal Hedging Monte Carlo (OHMC) method and the design and execution of systematic trading strategies that embody the hallmarks of capital preservation and measured risk taking.

About Stevens
Stevens Institute of Technology, The Innovation University®, is a premier, private research university situated in Hoboken, N.J. overlooking the Manhattan skyline. Founded in 1870, technological innovation has been the hallmark and legacy of Stevens’ education and research programs for more than 140 years. Within the university’s three schools and one college, more than 6,300 undergraduate and graduate students collaborate with more than 350 faculty members in an interdisciplinary, student-centric, entrepreneurial environment to advance the frontiers of science and leverage technology to confront global challenges. Stevens is home to four national research centers of excellence, as well as joint research programs focused on critical industries such as healthcare, energy, finance, defense, maritime security, STEM education and coastal sustainability. The university is consistently ranked among the nation’s elite for return on investment for students, career services programs and mid-career salaries of alumni. Stevens is in the midst of a 10-year strategic plan, The Future. Ours to Create., designed to further extend the Stevens legacy to create a forward-looking and far-reaching institution with global impact.

About Apress Media
With more than 1,500 books in print and e-formats, Apress is the authoritative source for IT professionals, software developers, and business leaders all over the world. Apress provides high-quality, no-fluff content that helps serious technology professionals build a comprehensive pathway to career success. Since 2007, Apress has been part of Springer Science+Business Media, one of the world’s leading scientific, technical, and medical publishing houses, enabling global distribution of Apress publications. For more information, please visit

Springer Science+Business Media ( is a leading global scientific, technical and medical publisher, providing researchers in academia, scientific institutions and corporate R & D departments with quality content via innovative information products and services. Springer is also a trusted local-language publisher in Europe – especially in Germany and the Netherlands – primarily for physicians and professionals working in healthcare and road safety education. Springer published roughly 2,200 English-language journals and more than 8,400 new books in 2013, and the group is home to the world’s largest STM eBook collection, as well as the most comprehensive portfolio of open access journals. In 2013, Springer Science+Business Media generated sales of approximately EUR 943 million. The group employs more than 7,000 individuals across the globe.

Contact Information
Danielle Wooddruffe
Stevens Institute of Technology
+1 201-216-5139

Struggling To Repay Student Debt?

Struggling To Repay Student Debts? Has Answers helps residents of New Mexico by reviewing the top two student debt relief companies in the area.

Santa Fe, NM – September 06 – New Mexico has something no other state can claim – the most PhDs per capita. This is due to the many government and private research facilities scattered throughout the state. New Mexico is also famous for having given birth to one of America’s most popular conspiracy theories. It began in 1947 when an unidentified flying object (UFO) crashed near the town of Roswell. Our government claims it was the remnants of a weather balloon but conspiracy theorists say it was a flying saucer that contained alien life and that the government created a gigantic cover up to hide the true facts.

Whether this was a flying saucer or not is still debatable. But what isn’t debatable is that student debt has become a serious problem. Two years ago, the average student loan balance for all age groups was $24,301 and it’s likely gotten even worse since then. And about one-quarter of borrowers owe more than $28,000. However, New Mexico students have done much better as they graduate owing just$17,994, which makes the state second best in the nation.

Another fact that isn’t debatable is the cost of going to college today. For example, it now costs $18,473 for a resident to attend the University of New Mexico for a year. A year at New Mexico State University costs a resident a bit less at $17,947 but a year at a private school such as St. John’s costs an amazing $58,831. recently undertook a study of debt relief companies available to those New Mexicans having a problem with their student debts. What it found is that the top two options are – SoFi (Social Finance Inc.) and National Debt Relief. used three criteria in evaluating student debt relief providers. They were how it charges for its services, the services it offers and company history.

“We concluded that National Debt Relief is the best option because it was tops in all these criteria,” said spokesman Michael Smith. “The way it charges its customers is totally performance driven and can offer its customers a variety of student debt repayment options. Plus, National Debt Relief has constantly maintained an A rating with the Better Business Bureau, which speaks well of its history.” ranked SoFi second to National Debt Relief because it provides only student loans and student debt consolidation. Also, SoFi is more of a social community than a debt relief provider. It has 550 member colleges and universities and provides loans only to students at those schools and their alumni. These loans are provided peer-to-peer meaning that the lenders are the alumni of these schools. However, as noted by its loans have introductory rates starting at just 0.99%. In addition, SoFi offers payment deferment in the event a customer becomes unemployed and will even help him or her find a new job.

National Debt Relief operates in an entirely different manner, as it does not provide loans. “It is a true debt relief provider,” noted Smith, “as it will analyze a client’s financial situation and federal student loan portfolio and then attempt to find a repayment program with better terms and a lower monthly payment than what she or he currently has. If it is unable to find a better program, it charges the client nothing.”

“We offer a number of options for student loan repayment from the Department of Education.” Said National Debt Relief’s Paul Ritz.” This allows us to provide a client with the one that’s best suited to him or her given their financial circumstances. If appropriate, we can also help a customer consolidate his or her student debts with a federal Direct Consolidation loan.”

New Mexico residents struggling with student loans that would like to know more about National Debt Relief and SoFi should go to the site

Contact Information
Jimmy Saver
Best Debt Consolidation Loans
+1 (877) 869-5111

Instant Approval Home Loans

Instant Approval Home Loans Now Available Regardless of Credit History from Complete Home Loans.

Shoppers with good, bad, or no credit are now getting instant approval home loans from the trusted lending resource, Complete Home Loans.

Seattle, WA – September 03 – America’s favorite home lender is now offering instant approval home loans to shoppers, regardless of credit history. The online application form can be filled out in as little as 60-seconds and offers instant approval. – 60 second application form

Once the easy online application form has been submitted, Complete Home Loans matches the person’s financial information with a lender that can provide them with the loan they need.

Complete Home Loans encourages shoppers to get their credit score checked after they’ve applied for a home loan. Upon completing the online application the lending resource supplies loan shoppers with an easy to use credit score report through the top supplying resources in America. Home shoppers can take this information and improve their credit score which may have a drastic impact on their home finance rates (or approval).

About Complete Home Loans:
The home purchase, equity, and refinancing loan company services customers across America no matter their credit history. They specialize in matching people with good, bad, or no credit to lenders who may be able to qualify them for a home loan. Their network of lenders is the largest in the United States and offers low interest financing to home owners or shoppers.

People who’ve been turned down in the past are able to use their easy online application form to instantly get approved for a loan (no matter their credit history).
Contact Information
Keith Eneix
Complete Home Loans
+1 (360) 631-9441