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Casual Articles - Whose Hand is in Your Pocket
I have always been intrigued at how much some prominent business people have accomplished in their lifetime. From rags to riches these people overcame the odds to be powerhouse individuals. Society will line up to meet and listen to these individuals. And what they talk about seems to be like gold. But what got these people to the statute. What philosophies do these people live by that has held strong to carry them into the success that they enjoy? Well, I was able to find the philosophy that Corey Rudl (rest in peace) of marketingtips.com used for his life journey.Corey Rudl for what I know about him was one of these people who started out with nothing and built a huge affiliate marketing, ebook business. It was said that he was pulling in millions of dollars a year. No, I don’t have exact figures. But it is astonishing that Corey kept the same vision and focus for the tenure
*** How do we know that our identity has been compromised?
Check your credit report at least annually. Many people recommend checking quarterly. You can pay the credit reporting companies a fee and get your reports anytime you want.
However, the FTC advises us to "order a free annual report from one or all the national consumer reporting companies by visiting www.annualcreditreport.com.
Or you can call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You can print the request form from www.ftc.gov/credit.
The credit reporting companies only send free reports requested through the Report Request Service.
The FTC gives a lot more information on their site. Go to http://www.consumer.gov/idtheft/recovering_idt.html#9 to find out things such as:
What to do if someone steals your identity? How do you prove you're a victim of identity theft? When should I provide my social security number? Should I buy identity theft insur
Commodities are any goods or wares that are up for sale or trade. These things include such things as food, furniture, cars, or anything that is generally manufactured, sold or traded.Commodities are a part of life! We use them all the time! The coffee on your cupboard, the cereals, the soap, the shampoo, the toothpaste – all of these constitute everyday commodities.The word commodity comes from the French word commodit?. This means ‘benefit’ or ‘profit.’ This too comes from the earlier Latin word commoditas which refers to good quality or propriety. The word commodit? is related in meaning to the French word biens. Biens means goods. Many people use goods and commodities interchangeably.DefinitionAs a business word, commodities are products that can in fact be worth more to their owner if sold instead of used. For example, you might have a large stock of canned g
It's time to stop talking about identity theft and do something to protect yourself.
My bank just sent a new set of Visa cards with the explanation that hackers had compromised a retailer where I had used the card, ergo - new cards.
Doesn't sound too bad, does it? What it means is that I now have to contact all of my "automatic" payment vendors and give them the new number. We were lucky that we didn't get any financial damage on the way through.
A close relative told me this week about her experience in trying to clean up behind an identity thief who tried to open several different cell phone accounts and some other monkey business.
A attorney friend tells me it took him almost eight years to clean up after someone stole his identity and wrecked his credit.
How does this ID theft work? Bad guys get your name, social security number, or credit card number and start charging purchases or opening lines of credit.
Some of these thieves get info from your mail box, but there are easier ways for the more sophisticated. Phishing is on the rise, and this isn't the kind of fishing where you use a rod and reel. Instead, these illigitimate Phishers lure unsuspecting email recipients into giving up their personal info by making them think you're working with a bona fide agent of a company with whom they normally do business.
"Pretexting" is just as phony as thieves pretend to conduct surveys or other seemingly official reasons to get information from you.
My e-mail brings me five or more phishing lures every day - eBay, CitiBank, utility companies, and so on. I also receive more than twenty emails every day telling me of some joker in Nigeria or Netherlands who has come into millions of dollars that they'll share with me if I send them my bank account information to help them smuggle this cash out of their country.
The sad part is that some people bite these lures and lose a lot. A young friend from Eastern Europe recently asked me if such an offer was for real!
Typically, the thieves collecting the information are not the ones who use it. Your personal information is often sold to others who are expert in hiding their trail after wrecking your finances. It's hard to tell whose hand is in your pocket and who's spending your money.
Here are some stats on this subject from CFO-IT magazine:
ID Theft by Fraud Type
32% - Credit-card Fraud 19% - Phone or utilities 17% - Bank 11% - Employment-related
8% - Gov'mt documents or benefits
5% - Loan 19% - Other
*** What are we going to do about all of this fraud?
We already have some stiff laws on the books, but only the biggest of criminals are going to be tracked down across international borders. About the only way the law can protect us is to establish secrecy requirements for retailers and others who use our credit card numbers.
Several agencies have discontinued using social security numbers as identifiers. Be sure to challenge the necessity of giving this information to anyone.
Some people espouse using cash only. They say to throw away those ATM cards and check books. Don't do business with anyone who won't take cash. The rub is that some companies don't even know how to deal with cash any longer. Have you tried to rent a car or check in a hotel with cash only?
One recent article told of German grocers installing equipment to read your finger prints to activate charge accounts. Don't leave home without your prints!
The FTC web site advises the following steps to avoid credit card identity theft:
1. Sign your cards as soon as they arrive. Others advise us to write "Picture ID Required" on the back of our cards instead of signing them to prevent a thief from knowing just how we sign our name.
2. Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
3. Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
4. Keep an eye on your card during the transaction, and get it back as quickly as possible.
5. Void incorrect receipts.
6. Destroy carbons.
7. Save receipts to compare with billing statements.
8. Open bills promptly and reconcile accounts monthly, just as you would your checking account.
9. Report any questionable charges promptly and in writing to the card issuer.
10. Notify card companies in advance of a change in address.
*** How do we know that our identity has been compromised?
Check your credit report at least annually. Many people recommend checking quarterly. You can pay the credit reporting companies a fee and get your reports anytime you want.
However, the FTC advises us to "order a free annual report from one or all the national consumer reporting companies by visiting www.annualcreditreport.com.
Or you can call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You can print the request form from www.ftc.gov/credit.
The credit reporting companies only send free reports requested through the Report Request Service.
The FTC gives a lot more information on their site. Go to http://www.consumer.gov/idtheft/recovering_idt.html#9 to find out things such as:
What to do if someone steals your identity? How do you prove you're a victim of identity theft? When should I provide my social security number? Should I buy identity theft insura
As a kid, I liked the teams involved in the current World Series, the Detroit Tigers and the St. Louis Cardinals. Al Kaline was “Mr. Tiger” and represented what baseball is all about. And even though Ty Cobb played before my time, when you think of the Detroit Tigers, the legendary “Georgia Peach” has to come to mind. Advancing through the years, no baseball fan could forget manager Sparky Anderson, who after winning the World Series twice with the Cincinnati Reds in the mid-seventies, led the Tigers to a championship in 1984.The Cardinals were “the team” in West Tennessee where I was born and reared. Along with listening to their games on radio, my father, brother, and I made annual week-long visits to St. Louis to see the Cardinals play. Enos “Country” Slaughter and Stan “The Man” Musial were my favorites. Today, Cardinal manager Tony La Russa is special to me for several reasons. Th
"Pretexting" is just as phony as thieves pretend to conduct surveys or other seemingly official reasons to get information from you.
My e-mail brings me five or more phishing lures every day - eBay, CitiBank, utility companies, and so on. I also receive more than twenty emails every day telling me of some joker in Nigeria or Netherlands who has come into millions of dollars that they'll share with me if I send them my bank account information to help them smuggle this cash out of their country.
The sad part is that some people bite these lures and lose a lot. A young friend from Eastern Europe recently asked me if such an offer was for real!
Typically, the thieves collecting the information are not the ones who use it. Your personal information is often sold to others who are expert in hiding their trail after wrecking your finances. It's hard to tell whose hand is in your pocket and who's spending your money.
Here are some stats on this subject from CFO-IT magazine:
ID Theft by Fraud Type
32% - Credit-card Fraud 19% - Phone or utilities 17% - Bank 11% - Employment-related
8% - Gov'mt documents or benefits
5% - Loan 19% - Other
*** What are we going to do about all of this fraud?
We already have some stiff laws on the books, but only the biggest of criminals are going to be tracked down across international borders. About the only way the law can protect us is to establish secrecy requirements for retailers and others who use our credit card numbers.
Several agencies have discontinued using social security numbers as identifiers. Be sure to challenge the necessity of giving this information to anyone.
Some people espouse using cash only. They say to throw away those ATM cards and check books. Don't do business with anyone who won't take cash. The rub is that some companies don't even know how to deal with cash any longer. Have you tried to rent a car or check in a hotel with cash only?
One recent article told of German grocers installing equipment to read your finger prints to activate charge accounts. Don't leave home without your prints!
The FTC web site advises the following steps to avoid credit card identity theft:
1. Sign your cards as soon as they arrive. Others advise us to write "Picture ID Required" on the back of our cards instead of signing them to prevent a thief from knowing just how we sign our name.
2. Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
3. Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
4. Keep an eye on your card during the transaction, and get it back as quickly as possible.
5. Void incorrect receipts.
6. Destroy carbons.
7. Save receipts to compare with billing statements.
8. Open bills promptly and reconcile accounts monthly, just as you would your checking account.
9. Report any questionable charges promptly and in writing to the card issuer.
10. Notify card companies in advance of a change in address.
*** How do we know that our identity has been compromised?
Check your credit report at least annually. Many people recommend checking quarterly. You can pay the credit reporting companies a fee and get your reports anytime you want.
However, the FTC advises us to "order a free annual report from one or all the national consumer reporting companies by visiting www.annualcreditreport.com.
Or you can call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You can print the request form from www.ftc.gov/credit.
The credit reporting companies only send free reports requested through the Report Request Service.
The FTC gives a lot more information on their site. Go to http://www.consumer.gov/idtheft/recovering_idt.html#9 to find out things such as:
What to do if someone steals your identity? How do you prove you're a victim of identity theft? When should I provide my social security number? Should I buy identity theft insur
One of the primary duties of the Federal Trade Commission is to over see Mergers and Acquisitions in industry to prevent one company from inadvertently growing so large that it corners the market and thus becomes a monopoly inhibiting competition in the market place. Administering the Merger Review Process at the FTC is not an easy task and it maybe a good thing as they do not manage these things very well anyway. In fact many times when one company wishes to merge with another the FTC kills the deal by wasting weeks to review all the information and thus hurts both companies making them weak. This hurts shareholder’s equity, quarterly profits and therefore the company has to raise prices hurting consumers to re-coup the money lost during the transition.Here is how the FTC describes their efforts and if you do not mind me saying so, I believe embellishes their abilities, as I believe t
Here are some stats on this subject from CFO-IT magazine:
ID Theft by Fraud Type
32% - Credit-card Fraud 19% - Phone or utilities 17% - Bank 11% - Employment-related
8% - Gov'mt documents or benefits
5% - Loan 19% - Other
*** What are we going to do about all of this fraud?
We already have some stiff laws on the books, but only the biggest of criminals are going to be tracked down across international borders. About the only way the law can protect us is to establish secrecy requirements for retailers and others who use our credit card numbers.
Several agencies have discontinued using social security numbers as identifiers. Be sure to challenge the necessity of giving this information to anyone.
Some people espouse using cash only. They say to throw away those ATM cards and check books. Don't do business with anyone who won't take cash. The rub is that some companies don't even know how to deal with cash any longer. Have you tried to rent a car or check in a hotel with cash only?
One recent article told of German grocers installing equipment to read your finger prints to activate charge accounts. Don't leave home without your prints!
The FTC web site advises the following steps to avoid credit card identity theft:
1. Sign your cards as soon as they arrive. Others advise us to write "Picture ID Required" on the back of our cards instead of signing them to prevent a thief from knowing just how we sign our name.
2. Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
3. Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
4. Keep an eye on your card during the transaction, and get it back as quickly as possible.
5. Void incorrect receipts.
6. Destroy carbons.
7. Save receipts to compare with billing statements.
8. Open bills promptly and reconcile accounts monthly, just as you would your checking account.
9. Report any questionable charges promptly and in writing to the card issuer.
10. Notify card companies in advance of a change in address.
*** How do we know that our identity has been compromised?
Check your credit report at least annually. Many people recommend checking quarterly. You can pay the credit reporting companies a fee and get your reports anytime you want.
However, the FTC advises us to "order a free annual report from one or all the national consumer reporting companies by visiting www.annualcreditreport.com.
Or you can call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You can print the request form from www.ftc.gov/credit.
The credit reporting companies only send free reports requested through the Report Request Service.
The FTC gives a lot more information on their site. Go to http://www.consumer.gov/idtheft/recovering_idt.html#9 to find out things such as:
What to do if someone steals your identity? How do you prove you're a victim of identity theft? When should I provide my social security number? Should I buy identity theft insur
Do you have clients that take up to 60 days to pay their invoices? If you do, you know how tough that can be on new and growing companies. Waiting to get paid for your slow paying invoices can wreck complete havoc on your company’s finances.Most business owners try to address this issue by going to a bank to try and get a business loan. However, banks are notoriously conservative and getting a business loan can be very difficult. This is where a factoring company can help you.Factoring companies eliminate the 60 day wait and get your invoices paid in as little as 2 days. How? By buying your invoices and paying you immediately for them. You get the financing you need, while the factoring company waits to get paid by your client. You get money to meet immediate expenses such as payroll, rent and supplier payments.Factoring transactions a fairly simple and t
One recent article told of German grocers installing equipment to read your finger prints to activate charge accounts. Don't leave home without your prints!
The FTC web site advises the following steps to avoid credit card identity theft:
1. Sign your cards as soon as they arrive. Others advise us to write "Picture ID Required" on the back of our cards instead of signing them to prevent a thief from knowing just how we sign our name.
2. Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
3. Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
4. Keep an eye on your card during the transaction, and get it back as quickly as possible.
5. Void incorrect receipts.
6. Destroy carbons.
7. Save receipts to compare with billing statements.
8. Open bills promptly and reconcile accounts monthly, just as you would your checking account.
9. Report any questionable charges promptly and in writing to the card issuer.
10. Notify card companies in advance of a change in address.
*** How do we know that our identity has been compromised?
Check your credit report at least annually. Many people recommend checking quarterly. You can pay the credit reporting companies a fee and get your reports anytime you want.
However, the FTC advises us to "order a free annual report from one or all the national consumer reporting companies by visiting www.annualcreditreport.com.
Or you can call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You can print the request form from www.ftc.gov/credit.
The credit reporting companies only send free reports requested through the Report Request Service.
The FTC gives a lot more information on their site. Go to http://www.consumer.gov/idtheft/recovering_idt.html#9 to find out things such as:
What to do if someone steals your identity? How do you prove you're a victim of identity theft? When should I provide my social security number? Should I buy identity theft insur
Forklift ramps are used to enable forklifts move to a higher work area. Forklifts are basically designed to operate on flat surfaces and its dangerous to operate on steep inclines. The ramps enable forklifts to load merchandise directly on trailers and trucks in the absence of permanent loading docks.The ramps are made from strong non-corrosive metals and are designed to withstand the pressure of a fully loaded forklift. The basic structure consists of an elevated metal platform supported by pillars and metal crossbeams. Some even have mechanical levers to increase or decrease the height of the ramp.Forklifts are generally small and compact. This makes them vulnerable to tipping over while negotiating an incline. The problem increases when the forklift is loaded to capacity. Ramps provide the required gradual elevation needed by forklifts. Ramps are made from steel or aluminum a
*** How do we know that our identity has been compromised?
Check your credit report at least annually. Many people recommend checking quarterly. You can pay the credit reporting companies a fee and get your reports anytime you want.
However, the FTC advises us to "order a free annual report from one or all the national consumer reporting companies by visiting www.annualcreditreport.com.
Or you can call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You can print the request form from www.ftc.gov/credit.
The credit reporting companies only send free reports requested through the Report Request Service.
The FTC gives a lot more information on their site. Go to http://www.consumer.gov/idtheft/recovering_idt.html#9 to find out things such as:
What to do if someone steals your identity? How do you prove you're a victim of identity theft? When should I provide my social security number? Should I buy identity theft insurance? How do I get money back that was stolen through electronic transfers, e.g. debit cards, credit cards?
Answers to these questions and more than 50 others are given at the link above. You can get the forms you need to initiate your claim of identity theft at this site, and the FTC has more than 25 publications on this subject that are free for the asking.
Here's the bottom line. As always, people are trying to get your money. In the past, thieves had to corner you and get the money out of your pocket. Today, your pockets are much bigger, and it's much easier to reach in.
If you don't take action to prevent the theft, you're basically inviting the thieves to take as much as they want - of course, they want it all!
Find out more about identity theft and other stressors at WWW.CourageBuilders.com
Copyright 2005 - Dale Collie
Title: Whose Hand is in Your Pocket Length: 1153 Words Author: Dale Collie Email: MailTo:collie@couragebuilders.com Category: Business/Stress/Finance/personal Web Address: http://www.couragebuilders.com
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