Don’t Become An Identity Fraud Statistic!

“You’ve just won a fabulous vacation or prize package! Now, if you’ll kindly give me your credit card information and social security number for verification purposes, you will receive this awesome gift!”

Now why would they need my credit card or social security number to send me a freebie? Can you say, “identity theft?”

Although there are legitimate reasons for people to need that information, such as a purchase or job application, thieves need it to steal your life and money from you!

Crime officials are reporting that this kind of theft is becoming quite common. Don’t be a victim! Follow a few common-sense suggestions to avoid finding out someone else has taken over your life-along with your bank account!

-Do not allow anyone to borrow your credit cards! Your best friend may be trustworthy, but her boyfriend may not be!

-Don’t provide personal information such as date of birth, credit card numbers, your pin number, mom’s maiden name, or social security number over the telephone unless you initiate the call.

Don’t leave mail lying around for strangers to pry into. How well do you really know your teen’s friends?

-Destroy all bills, pre-approved credit card applications, credit card receipts, and other financial information when you no longer need such items.

-Don’t keep private information like pin numbers and such in your purse or wallet. It’s just too risky. We humans are much too forgetful. Be honest, how many times have YOU had to return to a restaurant or friend’s home to retrieve your purse? Is there anything in there that could harm you if it was stolen or lost? Time to check.

-Check your credit reports regularly. To order your report, call the three major credit bureaus at these toll-free numbers: Equifax at (800) 685-1111, Experian at (888) 397-3742, or Trans Union at (800) 888-4213. By law, the most you can be charged for a copy of your report is $8.50. To be safe, consider getting a copy from each of the three companies. If after reviewing your report you spot signs of a possible fraud, report it immediately!

-Keep your passwords and pins confidential and secure. Avoid passwords and pin numbers that will be easy for a thief to figure out. For example, don’t use your name, street address or birth date. Also, change your passwords every once in awhile, just to be safe.

- Get Identity Fraud Insurance. It’s just plain smart.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, visit http://www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Report suspected Internet-based fraud to the Federal Trade Commission or the IFCC (www.ifccfbi.gov/Default.asp), a new joint project of the FBI and the National White Collar Crime.

Kristi Sayles is offering a free ebook called, “A Parent’s Guide to Safety” Come get yours! http://YourChildandYou.com Be sure to check out her helpful articles and forum while you’re there!

Visit : fitflop-mukluk-tall Razor MX350 Dirt Rocket Electric Motocross Bike Hairypotent.Com Casio Watches Reviews

Dye Your Baits For Better Fishing

With all the fishing pressure we anglers face each day, how can we make our baits different from all the rest?

I notice this a lot when I’m out fishing different areas. I’ll get to a spot I know has fish and find someone else had just fished the spot hard. Of course nothing was biting.

The other angler had been using the same baits I was using. Just by watching whats swimming like crayfish and baitfish checking their colors you could touch up your baits with dye coloring to match.

This will make your baits look different from the other baits and more like the food forage where you are fishing.

Fishing Statistic:Statistics Canada

The most popular fish kept by anglers in Canada was trout. 60% were kept compared to only 14% of bass which were kept by resident anglers in 2005.

How can you use the wind to plan your fishing day?

It doesn’t really matter what structure you are fishing on. Just remember that most fish will always face the wind while waiting for food come to them. By casting your baits in the same direction you will increase your odds of catching fish. I do this a lot on windy days from shore. You need a strong rod and heavy bait for casting.

So remember to check the food forage for color and use dye coloring to touch up your baits. Also cast your baits into the wind for better fishing. Of course don’t forget your camera. You want proof for your fish stories.

Are you interested in catching bigger Walleye and more of them? Walleye Lake Fishing and more http://letscatchreelbigfish.blogspot.com/

Tags : Pc-choosing-guide.Com Professional Handheld Compact Fabric Steamer

Do Not Become a Statistic – Save Your Marriage – 7 Effective Tips to Help You

I have put together some guidelines that both the husband and wife must commit to following and work together to solve their differences.

1. Talk to one another. Communication is number one if you want your marriage to work and have longevity. Do not be afraid to clearly state how you feel, what your opinions are, what your needs and wants are. Knowing what each of you feel is wrong with your marriage is the first step to a solution.

2. Stay Calm. You are thinking “Sure easy for you to say” when you are both upset and frustrated by the problems in your marriage. Keep a level head and do not be disrespectful or hurtful to your partner as this will only amplify your problems and not help the situation.

3. Give and Take. In other words, you should compromise. You need to respect each others views and strive to compromise on a solution that you both agree on. If you are willing to give a little, the reward could be more than you hoped for and be happier.

4. Goal Setting. Every relationship has to have a direction, goals that you both want to reach. These goals should reflect both of your views and determine what you both need to do to achieve them.

5. Do not Rush. Patience is a must. You will both need to be patient with each other and with yourself. It takes time to work out problems in a marriage. If you rush to fix things it could back fire and you will not have the results you are working toward.

6. Forgive/Forget. This may be the hardest, to forgive if your partner cheated on you, in spite of their infidelity, if you want to save your marriage you will have to try and forgive them so you can work together to preserve your marriage. You also must be willing to forget. Dwelling on what happened in the past will not help your relationship move forward. Your focus needs to be on the present and what you can both do now, today, to make your marriage stronger.

7. Unbiased Advice. Both of you agreeing to see a counselor to help you work out your differences may be the right path for you to take. This person can give you insight that you may not have realized to find the right solutions and workable methods based on what is best for your situation. If you are uncomfortable spilling your guts to a stranger, you may want to invest in the Magic of Making Up. The author of this book has helped thousands of couples put their marriages back on the right track.

I hope you have found the tips in my article to be helpful. Marriage is a wonderful thing when it is filled with love and respect for both partners.

Thank you for reading my article. There are times when we can’t do it alone and need some help. “The Magic of Making Up” has helped thousands of broken relationships find the right path. Go here for more information http://www.lostrelations.com

Friends Link : Woodworking4designs.Com Magellan Maestro 4700 emu-maitress-premium Apc Smart Ups Popcorn Guide Shoe Horn

3 Simple Steps to Stop Stress Fast!

It probably comes as no surprise that workplace stress is on the increase, costing the economy billions of dollars a year not to mention the subsequent social impact of people being sick, tired and overwhelmed.  The alarming statistics I read recently on workplace stress quantify that it’s time for us all to start taking notice of the advice we’ve heard before, but never put into practice, before we all become another statistic!

Don’t Be Another Statistic

 

According to the Australia Bureau of Statistics, 1 in 3 adults suffer from moderate to extreme stress, and stress-related workers compensation claims have increased by 400% in the last 10 years.   The total cost of Australian workplace stress is now estimated to be $1.2 billion a year and The American Institute of Stress estimates that stress costs U.S. corporations $300 billion annually in health care costs, turnover and absenteeism.  Blimey!

If you add into the mix the current economic climate it’s not surprising that stress-levels are going through the roof.  

 

So unless you want to be another statistic it’s time to follow some simple steps to keep your stress levels under control.

 

1.    Stop Generalising

 

There’s a tendency for people for generalise about stress which can be very unresourceful because it stops you pinpointing the specific causes of the stress you’re experiencing.  Without nailing down specifically what’s stressing you out it’s very difficult to deal with the issue and as a result the stress can rear its ugly head time and time again.  It’s therefore important to spend a few moments figuring out WHY you’re stressed and get to the root-cause of the problem so that you can begin to deal with it.  Generalising and saying “I feel stressed” is way too vague to help you deal with the challenges you’re experiencing.

 

2.    Divide And Conquer

 

Once you’ve established why you’re feeling stressed, divide the reasons up into two categories:  1) the one’s you can control and 2) the one’s you can’t.

 

The easy place to start is to knock over the stresses you CAN control first. Research shows that job-related stress is at it’s worst when people have high demands and little control over what it going on around them so it’s important to combat the stress you can control first to build momentum and satisfaction – this will help increase your resilience to combat the stress you can’t control.

 

When it comes to the reasons that you can’t control it’s important to take a step back for a moment and look at whether the stress you’re experiencing really is as bad as you think it is – often things can seem worse than they really are when we’re stressed so be brutally honest with yourself.  If the source of your stress really is steadfast then try changing how you experience it.  So for example, if commuting to and from work stresses you out think about how you can change that experience – perhaps you can take another route, use your time wisely by listening to audio books or studying on the train.

 

3.    Be Efficient

 

Where possible, eliminate as many of life’s little inefficiencies as you can.  The aggravation caused by ‘annoying little things’ that tend to build up over time can lead to unnecessary stress.  Think about what annoys you on a day-to-day basis and then set about changing those things so that you can be more efficient, which in turn will lead to increased effectiveness and less stress – a fantastic combination!

Written by Faye Hollands, Director at Outshine Consulting and The Success Rules.com. Faye specialises in working with entrepreneurs, business owners and ambitious professionals who want to achieve significant success in the fastest, easiest and most economical way possible.

At this moment you are just one click away from discovering Faye’s time-tested secrets to accelerating your personal and professional success. Simply click the following link to receive FREE INSTANT ACCESS to a recording of Faye’s recent teleseminar and discover her proven strategies on “How To Actually Achieve Your Goals in 2009″. Click here: http://www.outshineconsulting.com.au/Download.html

Alternatively please visit http://www.outshineconsulting.com.au where you can enjoy a wealth of free coaching resources to help you accelerate your success.

Thanks To : The Woman I Was Born to Be My Story Magellan Maestro 4700 Equity Refinance