How to spot counterfeit money and report fake money.

Can you spot counterfeit money? Don't let counterfeiters fool you, spot fake money and report it to the federal government.

How to spot counterfeit money: Closely examine money you receive and compare suspect bills with a genuine bill of the same denomination and series. Pay attention to the quality of printing and paper, and look for differences instead of similarities.

How to tell if money is counterfeit	Real Vs Counterfeit
Portrait: A genuine portrait appears lifelike and stands out distinctly from the background. The counterfeit portrait is usually lifeless and flat. Details merge into the background which is often too dark or mottled.
Federal Reserve and Treasury Seals: On a genuine bill, the saw-tooth points of the Federal Reserve and Treasury seals are clear, distinct, and sharp. The seals of counterfeit money may have uneven, blunt, or broken saw-tooth points.
Border: The fine lines in the border of genuine money are clear and unbroken. On counterfeit money, the lines in the outer margin and scrollwork may be blurred and indistinct.
Serial Numbers: Genuine serial numbers have a distinctive style and are evenly spaced. The serial numbers are printed in the same ink color as the Treasury Seal. On counterfeit money, the serial numbers may differ in color or shade of ink from the Treasury seal. The numbers may not be uniformly spaced or aligned.
Paper: Genuine currency paper has tiny red and blue fibers embedded throughout. Often counterfeiters try to simulate these fibers by printing tiny red and blue lines on their paper. But on counterfeit money the lines are printed on the surface, not embedded in the paper. It is illegal to reproduce the distinctive paper used in the manufacturing of United States currency.

Genuine paper currency is sometimes altered in an attempt to increase its face value. One common method is to glue numerals from higher denomination notes to the corners of lower denomination notes.

These bills are also considered counterfeit, and those who produce them are subject to the same penalties as other counterfeiters. If you suspect you are in possession of a raised note:

Compare the denomination numerals on each corner with the denomination written out at the bottom of the note (front and back) and through the Treasury seal.

Compare the suspect note to a genuine note of the same denomination and series year, paying particular attention to the portrait, vignette and denomination numerals.

Counterfeit Coins

Genuine coins are struck (stamped out) by special machinery. Most counterfeit coins are made by pouring liquid metal into molds or dies. This procedure often leaves die marks, such as cracks or pimples of metal on the counterfeit coin.

Today counterfeit coins are made primarily to simulate rare coins which are of value to collectors. Sometimes this is done by altering genuine coins to increase their numismatic value. The most common changes are the removal, addition, or alteration of the coin's date or mint marks.

If you suspect you are in possession of a counterfeit or altered coin, compare it with a genuine one of the same value.

If it is above five cents in value, it should have corrugated outer edges, referred to as "reeding." Reeding on genuine coins is even and distinct. The counterfeit coin's reeding may be uneven, crooked, or missing altogether.

To prevent counterfeit money, the U.S. Treasury creates new one, two, five, ten, twenty, fifty and 100 dollar bills.

Suspect you've been given fake money? Turn it over to your local police or Secret Service field office. Or get more information on how to spot counterfeit money.

Need more information? Read our financial and credit articles related to money or government, and join our online financial newsletter.

Chapter 13 Bankruptcy - Chapter 13 filing may be a method of bankruptcy for consumers who don't want to lose their assets and they want to retire as many debts as possible. This type of bankruptcy can have less pressure. Some debt balances can be partially discharged and the person agrees to a monthly payment to a trustee to be distributed to remaining creditors. Any bankruptcy is a mark against your credit record, yet Chapter 13 filings are often seen as a bit less serious than Chapter 7 bankruptcy. You would need to see specific bankruptcy information regarding your area of residence.

Chapter 13 bankruptcy can allow you to keep property like a mortgage or auto if you have income and not much debt. For Chapter 13 bankruptcy, the court approves a repayment plan that allows you to pay off a default during a period of three to five years, rather than loosing your property. It is often best if facing bankruptcy to contact a trained financial person to give advice and help with bankruptcy issues.

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SecondChance-CheckingAccounts.com Review - Copyright 2010 - 2011. All Rights Reserved.

Second Chance Checking Accounts - Bankruptcy, Poor Credit Score Obstacles

When banks open checking accounts for you or your business, they usually look through your record at a consumer reporting agency like the Chex System or Telebank. These are agencies similar to credit score reporting agencies lke Experian or TransUnion, only they focus on your checking account history, rather than your credit history.

Some banks also will look into your credit score, although they are in the minority. A bank's policy on Chex System records in the main thing you want to be most concerned with, as compared to whether you are in bankruptcy or what your credit score is.

To open a checking account for bad credit, you need to find a bank that does not base its decision on opening or not opening the account solely on your Chex Systems record. Some banks or financial institions may not use that as the only criteria.

Look beyond traditonal banks to other financial instutions, brokerage houses or credit unions. For a lot of these financial institutions and credit unions, bad credit may not deter them as long as your ChexSystems record was not due to fraud (but unpaid fees for example).

A number of banks are also willing to offer second chance checking accounts to applicants who may not qualify for their regular checking accounts. In most non-fraud cases of negative ChexSystems record, many financial institutions and banks are willing to work with applicants around that.

Note that the banks or credit unions may consider your account to be of higher risk and the checking account terms may be tougher than regular checking accounts. For example, they may require a higher opening deposit, minimum deposit and/or monthly account fees.

That is why when you are being offered a checking account for bad credit, take a close look at the terms and conditions and decide if they are acceptable to you. If you take some time to research through various websites, you will more than likely find more than one checking account for yourself. So shop around for the best terms.

OnlineSavingsAccounts.com Review

FNBO Direct is offering a high interest online savings account with no min. deposit. This is probably the highest money market offered by FNBO Direct as of today. A background check on the history of the bank, FNBO Direct is a First National Bank is a subsidiary with headquarter located in the city of Omaha, Nebraska. FNBO Direct is also the participant of the First National Bank Family which has been an established bank around Omaha and communities surrounding it for over 150 years. When you open your account with FNBO Direct, you’ll be asked to provide

1. Your Social Security or Tax ID Number.
2. Your Driver’s License or ID card issued by a state DMV.
3. Information about any loans or mortgages that you may have to help us confirm your identity.
4. For instant funding, you will need your current bank account and routing numbers.
5. If applying for a joint account, you will need the Secondary Applicant’s name, Social Security or Tax ID Number, and Date of Birth.

Also all applicants must be a U.S. Resident and 18 years of age.

If you are interested in opening a saving account today, FNBO Direct is probably the best choice with their high money market account and a history to back up its credibility.

Online bank savings accounts
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