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Add You - Identity Theft - Your Prevention Guide
Innovators: How To Turn Your Dreams Into Reality
Whether you have tried to sell your ideas in the past and failed or whether you have never tried beyond nurturing your ideas in your mind, please remember this--if you deeply believe in your ideas and if you have a vision of greatness for your ideas, one day, you will be able to turn your dreams into reality.Remember Carl Carlson's 17-year efforts to make his copy machine (Xerox) a reality and Thomas Edison's 10,000 experiments to invent the light bulb. The powerful lesson from many great inventors and entrepreneurs in human history is--Never Give Up! Even if everybody keeps telling you to give up a
irth date, street number, phone number, the last four digits of your social security number or any consecutive numbers. Memorize your PIN number-do not write it down. If your mother's maiden name is requested for security purposes, use a password instead-one you will remember.Whether you have tried to sell your ideas in the past and failed or whether you have never tried beyond nurturing your ideas in your mind, please remember this--if you deeply believe in your ideas and if you have a vision of greatness for your ideas, one day, you will be able to turn your dreams into reality.Remember Carl Carlson's 17-year efforts to make his copy machine (Xerox) a reality and Thomas Edison's 10,000 experiments to invent the light bulb. The powerful lesson from many great inventors and entrepreneurs in human history is--Never Give Up! Even if everybody keeps telling you to give up a
9. NEVER respond to emailed requests from banks or creditors to update your information. You should always call the institution directly or go to their website (do NOT use the website the email directs you to) to update your information. Rarely do banks or other institutions request such information by email, and it is a simple task for someone to create a website that looks just like your bank's or creditor's.
Secured Loans - Costing You Less
Secured loans are loans supported by assets belonging to the borrower so as to reduce the risk assumed by the lender. The home of the borrower may be repossessed by the lender if the borrower fails to make the necessary payments. These loans can be used for any purpose and attract low rates of interest. Since the risk involved for the lender in secured loan deals is low, he also offers other benefits like flexible repayment options.Secured loans are considered to be the most cost-effective borrowing options in the loan market. If one compares it with its counterpart i.e. secured loans, one finds that
Identity theft occurs when someone illegally obtains your personal information (social security number, credit card numbers or some other personal information) and uses that information to apply for loans or credit cards under your name or to make unauthorized purchases or gain access to your financial accounts. It is extremely prevalent these days, but there are steps you can take which will reduce the chances of you becoming a victim of identity theft.Secured loans are loans supported by assets belonging to the borrower so as to reduce the risk assumed by the lender. The home of the borrower may be repossessed by the lender if the borrower fails to make the necessary payments. These loans can be used for any purpose and attract low rates of interest. Since the risk involved for the lender in secured loan deals is low, he also offers other benefits like flexible repayment options.Secured loans are considered to be the most cost-effective borrowing options in the loan market. If one compares it with its counterpart i.e. secured loans, one finds that
1. NEVER give out personal information (date of birth, social security number, credit card numbers) over the phone, by email or on the internet unless you initiated the contact and know whom you're dealing with. If your social security number is requested, ask if another form of ID could be substituted in its place.
2. ALWAYS shred papers that have your personal information on them before throwing them away. Papers that should be shredded include credit card receipts, checks, bank statements, credit card statements, expired credit cards and pre-approved credit card offers. Cross-cut shredders are great for this purpose.
3. Keep accurate and current records of all your credit cards and who you should contact in case they are lost or stolen. You may want to take copies of your credit cards and write the customer service number on the copy. If you are not currently using some of your credit cards, you should keep them securely locked away. Other things to keep in a secure location include: unused checks, your social security card, bank statements and credit card statements.
4. ALWAYS make sure you get your copy of a credit card receipt when making a purchase. Check to make sure your credit card was returned to you as well.
5. Check your credit reports annually. There are three credit reporting agencies; Equifax, Experian and TransUnion. Every year, you are allowed one free credit report from each of these credit reporting agencies. Go to www.annualcreditreport.com to order your free credit reports, ordering one from a different agency every 4 months.
6. ALWAYS make sure there are no "shoulder surfers" around when you are keying in your PIN number at an ATM or store. Be careful that no one overhears you when giving out your credit card number or personal information over the phone.
7. When purchasing on the internet, always make sure the site you're using is secure. You know you're on a secure site if the web address changes from http:// to https:// when you click on "buy" or "add to cart." You will also note a lock or key symbol in the lower corner of the web page.
8. On your own computer, use a firewall and virus protection. Use passwords that include letters, numbers and symbols to make them more difficult to break. Never use PIN numbers that are obvious, such as your birth date, street number, phone number, the last four digits of your social security number or any consecutive numbers. Memorize your PIN number-do not write it down. If your mother's maiden name is requested for security purposes, use a password instead-one you will remember.
9. NEVER respond to emailed requests from banks or creditors to update your information. You should always call the institution directly or go to their website (do NOT use the website the email directs you to) to update your information. Rarely do banks or other institutions request such information by email, and it is a simple task for someone to create a website that looks just like your bank's or creditor's.
1
Getting To Know Google
Having greatly benefited from my relationship with Google in the past several years, I am dedicating this article to the search engine superstar.I have to be brutally honest and relay that our friendship hasn't always been rosy. I got to know Google several years back, when it was just a small fish in a big pond. I started to analyze its every move and realized that Google is a fickle, clever and extremely mysterious being. Still, I decided to get more acquainted. Here are a few things I learned along the way.When it comes to logic, Google is the queenIn other words, avoid participatin
equested, ask if another form of ID could be substituted in its place.Having greatly benefited from my relationship with Google in the past several years, I am dedicating this article to the search engine superstar.I have to be brutally honest and relay that our friendship hasn't always been rosy. I got to know Google several years back, when it was just a small fish in a big pond. I started to analyze its every move and realized that Google is a fickle, clever and extremely mysterious being. Still, I decided to get more acquainted. Here are a few things I learned along the way.When it comes to logic, Google is the queenIn other words, avoid participatin
2. ALWAYS shred papers that have your personal information on them before throwing them away. Papers that should be shredded include credit card receipts, checks, bank statements, credit card statements, expired credit cards and pre-approved credit card offers. Cross-cut shredders are great for this purpose.
3. Keep accurate and current records of all your credit cards and who you should contact in case they are lost or stolen. You may want to take copies of your credit cards and write the customer service number on the copy. If you are not currently using some of your credit cards, you should keep them securely locked away. Other things to keep in a secure location include: unused checks, your social security card, bank statements and credit card statements.
4. ALWAYS make sure you get your copy of a credit card receipt when making a purchase. Check to make sure your credit card was returned to you as well.
5. Check your credit reports annually. There are three credit reporting agencies; Equifax, Experian and TransUnion. Every year, you are allowed one free credit report from each of these credit reporting agencies. Go to www.annualcreditreport.com to order your free credit reports, ordering one from a different agency every 4 months.
6. ALWAYS make sure there are no "shoulder surfers" around when you are keying in your PIN number at an ATM or store. Be careful that no one overhears you when giving out your credit card number or personal information over the phone.
7. When purchasing on the internet, always make sure the site you're using is secure. You know you're on a secure site if the web address changes from http:// to https:// when you click on "buy" or "add to cart." You will also note a lock or key symbol in the lower corner of the web page.
8. On your own computer, use a firewall and virus protection. Use passwords that include letters, numbers and symbols to make them more difficult to break. Never use PIN numbers that are obvious, such as your birth date, street number, phone number, the last four digits of your social security number or any consecutive numbers. Memorize your PIN number-do not write it down. If your mother's maiden name is requested for security purposes, use a password instead-one you will remember.
9. NEVER respond to emailed requests from banks or creditors to update your information. You should always call the institution directly or go to their website (do NOT use the website the email directs you to) to update your information. Rarely do banks or other institutions request such information by email, and it is a simple task for someone to create a website that looks just like your bank's or creditor's.
My Entrepreneurial Fire-I Grabbed My First Million Before I Got Too Old
My First Million took me exactly 27 months to achieve. I remember the day I made the resolution with self respect. It was a brave choice and required some faith. But looking back, faith had little to do with it. You see, I knew some things that I didnt know before after reading a book. The book made so much sense to me and was clear...so clear infact that it passed on Vision to me.I could literally SEE how it was going to happen. I could estimate what resources I currently had available and what resources I'd require to manufacture the results I needed to achieve my goal. It was due to the conc
ked away. Other things to keep in a secure location include: unused checks, your social security card, bank statements and credit card statements.My First Million took me exactly 27 months to achieve. I remember the day I made the resolution with self respect. It was a brave choice and required some faith. But looking back, faith had little to do with it. You see, I knew some things that I didnt know before after reading a book. The book made so much sense to me and was clear...so clear infact that it passed on Vision to me.I could literally SEE how it was going to happen. I could estimate what resources I currently had available and what resources I'd require to manufacture the results I needed to achieve my goal. It was due to the conc
4. ALWAYS make sure you get your copy of a credit card receipt when making a purchase. Check to make sure your credit card was returned to you as well.
5. Check your credit reports annually. There are three credit reporting agencies; Equifax, Experian and TransUnion. Every year, you are allowed one free credit report from each of these credit reporting agencies. Go to www.annualcreditreport.com to order your free credit reports, ordering one from a different agency every 4 months.
6. ALWAYS make sure there are no "shoulder surfers" around when you are keying in your PIN number at an ATM or store. Be careful that no one overhears you when giving out your credit card number or personal information over the phone.
7. When purchasing on the internet, always make sure the site you're using is secure. You know you're on a secure site if the web address changes from http:// to https:// when you click on "buy" or "add to cart." You will also note a lock or key symbol in the lower corner of the web page.
8. On your own computer, use a firewall and virus protection. Use passwords that include letters, numbers and symbols to make them more difficult to break. Never use PIN numbers that are obvious, such as your birth date, street number, phone number, the last four digits of your social security number or any consecutive numbers. Memorize your PIN number-do not write it down. If your mother's maiden name is requested for security purposes, use a password instead-one you will remember.
9. NEVER respond to emailed requests from banks or creditors to update your information. You should always call the institution directly or go to their website (do NOT use the website the email directs you to) to update your information. Rarely do banks or other institutions request such information by email, and it is a simple task for someone to create a website that looks just like your bank's or creditor's.
Marketing Success Reflects Your Business Feelings
Marketing and sales are living organisms dependent on your subtle energy. Your results in both are a direct reflection of the enthusiasm you have for your service or product. If you don’t strongly believe in what you’re doing, few other people will either. It’s really that simple.Take the example of franchise owners. Many people purchase franchises because it is a “turn-key” business. All they have to do is open the doors and start making the business work. At least that is the concept.I’ve found that a good majority of franchise owners, however, go into a business because they think it will ma
urfers" around when you are keying in your PIN number at an ATM or store. Be careful that no one overhears you when giving out your credit card number or personal information over the phone.Marketing and sales are living organisms dependent on your subtle energy. Your results in both are a direct reflection of the enthusiasm you have for your service or product. If you don’t strongly believe in what you’re doing, few other people will either. It’s really that simple.Take the example of franchise owners. Many people purchase franchises because it is a “turn-key” business. All they have to do is open the doors and start making the business work. At least that is the concept.I’ve found that a good majority of franchise owners, however, go into a business because they think it will ma
7. When purchasing on the internet, always make sure the site you're using is secure. You know you're on a secure site if the web address changes from http:// to https:// when you click on "buy" or "add to cart." You will also note a lock or key symbol in the lower corner of the web page.
8. On your own computer, use a firewall and virus protection. Use passwords that include letters, numbers and symbols to make them more difficult to break. Never use PIN numbers that are obvious, such as your birth date, street number, phone number, the last four digits of your social security number or any consecutive numbers. Memorize your PIN number-do not write it down. If your mother's maiden name is requested for security purposes, use a password instead-one you will remember.
9. NEVER respond to emailed requests from banks or creditors to update your information. You should always call the institution directly or go to their website (do NOT use the website the email directs you to) to update your information. Rarely do banks or other institutions request such information by email, and it is a simple task for someone to create a website that looks just like your bank's or creditor's.
Writing Content That is Easy To Understand
Since most of us are targeting average people, with average intelligence, to our website it is important that we provide information on our web pages that is written in a way that is easy to understand. You want your content to be clearly understood by everyone. In other words write your content for the average person. If your website targets highly intelligent people, of course you would want to write at a much higher level. For most of us we want to keep it simple because we want our information to be understood by all visitors that come to our website.You are not in business to impress people with
irth date, street number, phone number, the last four digits of your social security number or any consecutive numbers. Memorize your PIN number-do not write it down. If your mother's maiden name is requested for security purposes, use a password instead-one you will remember.Since most of us are targeting average people, with average intelligence, to our website it is important that we provide information on our web pages that is written in a way that is easy to understand. You want your content to be clearly understood by everyone. In other words write your content for the average person. If your website targets highly intelligent people, of course you would want to write at a much higher level. For most of us we want to keep it simple because we want our information to be understood by all visitors that come to our website.You are not in business to impress people with
9. NEVER respond to emailed requests from banks or creditors to update your information. You should always call the institution directly or go to their website (do NOT use the website the email directs you to) to update your information. Rarely do banks or other institutions request such information by email, and it is a simple task for someone to create a website that looks just like your bank's or creditor's.
10. If you receive lots of pre-approved credit card offers in the mail, call (888) 5OPT OUT to have your name removed from the marketing lists sold by the major credit bureaus.
11. Drop off outgoing mail at your post office or collection box rather than leaving it in your mailbox for pick up.
12. Have new checks mailed to your bank and pick them up there.
13. Place passwords on your bank accounts, brokerage accounts and credit card accounts for protection. Once again, use a mix of letters, numbers and symbols.
14. Consider an ID theft insurance policy.
15. Register with Equifax Credit Watch™. Equifax Credit Watch™ makes monitoring your report easy by automatically alerting you within 24 hours of key changes in your Equifax Credit Report™ - like when someone tries to get credit in your name or there are sudden changes in your credit card balances. - so you can act before serious damage is done.
For a list of signs that you may be a victim of identity theft, go to http://understandingidentitytheft.com/articles/article-67.html
For further information on identity theft, visit http://understandingidentitytheft.com.
For information on how to check and/or correct your credit report, go to http://yourcreditscoreranking.com.
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