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Monday Morning Money Moves

Having a hard time snapping out of weekend mode? Make the most of your Monday by crossing these nine financial "to do's" off your list.

Protect your good name
What's more important than protecting your good reputation? How about that pristine credit record you've worked hard to keep clean? Your credit history determines what interest rates you pay on credit cards and a mortgage, and even how much you'll shell out for auto or homeowner's insurance in some states.

Sadly, identity theft is becoming more common, with crooks fraudulently running up credit card or cell phone accounts, passing bad checks, or getting a loan in someone else's name. With a quick phone call and a trip to the Xerox machine, you can create a cocoon around your credit file while the coffee brews in the break room.

Graduates shun property ladder due to debt levels

The image of a secure employed graduate making their fledgling step on the property ladder with their first mortgage is a myth, according to new research.In fact, graduates feel so weighed down by the thousands of pounds of debt levels they experience upon leaving higher education that they are unlikely to even consider buying a house.This is the verdict of new research published today by consultancy firm Thomas Charles, which found that just under a quarter 24 per cent of graduates are in such a position while 42 per cent feel their debt levels has delayed their initial property investment by a period of between three and ten years. The Thomas Charles survey studied 985 people who had graduated since 2001 and discovered that just ten per cent had managed to make their first step on the property ladder and acquired a mortgage.James Falla, Thomas Charles director, said: "For many the idea of ever getting on the property ladder seems a distant prospect and for a considerable number, a quarter of our survey, it appears impossible in the foreseeable future.""With 60 per cent of graduates leaving university with a student loan debt legacy they are already off to a bad start."First time buyers in the UK face a notoriously difficult ride, particularly in London and the south east, where prices have continue to rocket over the last few years.

People struggling in southern Lebanon

Al-Zamel, in her early 30s, said she and her family could not step out of their home for almost two weeks because of the heavy shelling around them in Yarine.

"Yesterday, the Israelis used loudspeakers to warn us that we must leave or they will crush our homes on our heads," said al-Zamel, whose husband, farmer Yasser al-Qassim, stayed behind. She said only the elderly and sick were now left in her village.

U.N. peacekeepers escorted al-Zamel and dozens of other families from Yarine and neighboring villages in cars and buses to Tyre, the biggest city in the far south. From there, Lebanese army troops took them to Sidon, still in the south but considered a safer haven with far less bombardment.

One of al-Zamel's children, 9-year-old Fatimah, spoke of destroyed homes and charred cars on the road with dead bodies inside.

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