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Five Tips to Avoid Identity Theft

Identity theft victims reported missing more than $ 15 billion in 2014. That's more than the combined losses from burglary, motor vehicle theft and other property theft in the same period. While it's no surprise that identity theft can leave you feeling vulnerable, there are things you can do to take some control.

Step 1: Order your credit report when you realize that you've become a victim. You need to quickly find out about any errors showing up on your report. Go to for free copies of your report from all three nationwide credit-reporting companies-Experian, Equifax and Transunion.

If you see any errors or fraudulent charges, report them to the credit reporting companies right away. They will investigate those items and then forward the information to the business that reported it. The business has 30 days to respond.

If the business providing the loan finds an error, it must notify the credit reporting company so your file can be corrected. If your credit changes because of the business' investigation, the reporting company will send you a letter with the results.

Step 2: Place a fraud alert to make it harder for an identity thief to open more accounts in your name. Call any one of the three nationwide credit reporting companies and ask them to put an initial fraud alert on your credit report. They must contact the other two companies about your alert.







While there's an alert on your report, anytime a business fulfills a credit inquiry they will need to verify your identity before issuing credit in your name. This may require contacting you, so be sure you've updated your credit report with your current contact information. The alert will stay on your report for 90 days and allows you to order an additional free copy of your report from each of the three credit reporting companies.

Step 3: Consider a credit freeze. A Credit Freeze, also known as a Security Freeze, gives you maximum control over who has access to your credit. It can stop a thief from opening new accounts in your name because lenders and other creditors will not be able to get your credit report.

With a Credit Freeze in place, even you will have to take special steps to apply for credit. You can still open new accounts, apply for a job, rent an apartment, buy insurance, refinance your mortgage, or do anything else that requires your credit report. But businesses will need to verify your identity so they may need to contact you and you will have to call the reporting company to lift the freeze in order for the business to review your report. Again, be sure they have your most current information through your credit report.

A few things to know: Due to stringent laws, you'll have to contact each reporting company separately to place a Credit Freeze. Also, placing a credit freeze does not affect your credit score. Finally, the cost depends on where you live. If you are 65 or older, or a victim of identity theft and submit a valid investigative or incident report, complaint with a law enforcement agency or the Department of Motor Vehicles (DMV), the fee will be waived.

Step 4: File an Identity Theft Report. An Identity Theft Report is a great weapon. You can use it to get fraudulent information removed from your credit report; stop a company from collecting debts that result from identity theft-or from selling the debt to another company for collection. You can also use it to place an extended fraud alert on your credit report, and to get information about accounts the identity thief opened or misused.

Filing an Identity Theft Report is simple: Submit a complaint about the theft to the FTC . When you finish writing all the details, print a copy of the report. It will print as an Identity Affidavit.

File a police report about your identity theft, and get a copy of the police report or the report number. (Make sure to bring your FTC Identity Theft Affidavit and attach it to your police report).

Some credit reporting companies may ask for more information or documentation than the Identity Theft Report includes. It depends on the policies of the credit reporting company and the business that sent the information about you to the reporting company.

Step 5: Report fraud on existing accounts. For any of your accounts that show fraudulent charges, contact the business right away. Explain that you're an identity theft victim. Close the account and follow their reporting process. You can ask if they'll accept your Identity Theft Report. Additionally, write to the fraud department of each business. By law, they have to review your letter, investigate your complaint, and tell you the results of their investigation. If the information is wrong, the business must tell the credit reporting company. Make sure to ask for a letter from the business confirming that it removed the fraudulent information.

On any credit card or bank account that remains open, take steps to protect yourself. Change your password and place code words on accounts that allow them. Code words are offered on some accounts as an added level of security. You can typically choose your code word. You may consider using something only you would know and is not public knowledge. Finally, continuously monitor your accounts, keeping an eye out for any suspicious activity.

Source by Patrick Redo

Get More Reach With Social Media Marketing Strategies That Work for You

Your business is probably already on Facebook, Twitter, Instagram, LinkedIn and all of the other platforms you need to be in order to reach out to your customers. But even so, it does not feel like you're getting the proper transaction or posting the proper media to inspire the engagement that you know you need to get. In short, your social media marketing strategies are not well tuned and some might even say, non-existent.

Finding the Strategies for Your Niche

One of the main problems with many company's marketing strategies is that they are applying the same methods as a universal solutions program for their social media team. This means that essentially, they are taking social media marketing strategies that they've heard about and using them "as is" instead of tailoring them to their specific niche or industry.

For example, social media marketing strategies for restaurants are going to be very different from social media marketing strategies for Fortune 500 companies. Of course, when we put it like that, it looks very obvious – unfortunately, the constant failures of social media lets us know that it's not. The problem arises because not only are the consequences and goals of each industry very different, the means to the end have to be as well.

Why Using This Strategy for Your Industry is Vital

For instance, in our example above, a restaurant's marketing strategies should be to entice viewers to come in and eat. This means that taking pictures of different dishes and posting them up on Facebook, Twitter and Instagram is a good ploy. That creates salivation for the food and people are likely to Like, Share, Re-Tweet, etc. the picture. That keeps the restaurant fresh in the customer's mind and next time they are looking for a place to eat, they'll remember how good the food looked and make reservations.

On the other hand, a Fortune 500 company is not going to get much interaction off of photo media. Sure, Bob in accounting might be interesting to talk to, but a picture of him analyzing graphs on his laptop in the break room is not likely to inspire the right kind of interaction. That's because the goals of a Fortune 500 company on social media are likely to bring in more clients, keep current clients engaged and recruit top talent for the firm. The best way to do this would be to employ social media marketing strategies that establish the company as an industry leader. For example, sharing blog posts and articles that contain relevant and useful information is a great way to market yourself as on the forefront of the industry.

How to Tailor Your Social Media Marketing Strategies

Of course, with so many industries and niches out there, it would almost impossible to go through each one, showing you how to tailor your marketing strategies for your exact niche. Instead, it would be more time-efficient to go through how different goals affect your marketing strategies. Just think about what you're trying to achieve and then match it up with some of the following suggestions. Keep in mind that interaction is the ultimate short term goal for social media, so whatever gets you to that point-no matter how strange or unconventional it may be-will be best for your company.

  • Expand your Customer Base. If you're looking to expand your customer base through this marketing strategy, you're going to want to post content that is highly sharable and branded. This means that the more viral potential your posts have and the easier it is for those posts to be traced back to you, the better it is for business. A great way to do this is to post links to your blog on your website, provided of course the blogs are high-value in terms of information and content. This allows people to share the link to your website, meaning the more viral it gets, the more leads will be coming into your site. Be sure there is a strong CTA (call to action) at the end of the blog leading to your contact or sales pages. If your social media marketing strategies in the past have shown to be effective when media images and video are shared, make sure the pictures are watermarked with your brand.
  • Strengthening Your Current Client List . Another great benefit of this medium is that you can strengthen your current clients' loyalty. We all know that it cost more to bring in a new client than to retain a current one, so this is a big chunk of social media marketing strategies right here. The key is that you want to consistently provide value to your clients. This means that if you're in an industry where new information is constantly coming out, you should be the ones providing your fans with that info first. Ask yourself this: what am I giving my followers in terms of value? If you can not list at least five things, you need to start doing a better job right away. Alert your fans to events that refer to their interests, share articles, posts, recipes, etc. Give opinions and loose advice but stay away from risk-the bottom line here is that you want your customers to remember why they need you in their lives every single day.

Using Your Social Media Marketing Strategies Wisely

When it's all said and done, when it comes to social media marketing strategies, whatever works for you is the best rules to follow. Social media is still a fairly young marketing game (compared to television, radio, print, etc.), so nothing is written in stone. Even the so-called "experts" in the field are still fine-tuning their marketing strategies, so you can expect things to change on an almost consistent basis over the next decade or so.

Until that time comes and it becomes a science, the best you can do is keep your ear to the ground and stay afloat with all of the latest information, techniques and trends.

Source by April Ray

Get Off My Toes or Power Defining Moments

Get off my Toes

or Power Defining Moments

How very often you or others will rant about how someone has violated your space. The woman who has been touched inappropriately. The child who screams, “leave me alone.” The person who hovers too close, as though he or she is absorbing you and your energy.

These moments often turn into something ugly before it is over. They don’t need to, but they often do. Why? They often turn vile because the person whose space has been invaded does not recognize the moments or the incidents for what they are.

And what is that? They are often (not always) what you can think of as “Get off my toes!” moments. It’s a dance. Your partner in this dance just stepped on your toes. You quickly, without contemplating or analyzing his reasons for stepping on you, push him back or tell him unequivocally to get off your toes. And that’s the end of it, with your partner now on high alert that you don’t like being walked on.

Unfortunately, so many of these moments go unrecognized or become labeled by something much worse. “He is a dirty old man.” “She’s a snoop”. And soon things either become increasingly uncomfortable with no one saying anything, or the feelings go underground, to emerge when there is an audience.

From the outside, they were “get off my toes” moments, where the victim could have simply stated that the behavior was inappropriate. Instead, the moment was glossed over in frozen politeness or fear of doing the wrong thing. Often, the person stepping on toes has the bigger “bomb”. He/she could adversely affect something you want or think you need. Remember the law of least attachment? Is your inability to say, “Get off my toes!” attached to something you think you need or want?

In the interest of being “Non-Confrontational”, we often unintentionally help to create escalating situations because we do not know how to defend our own boundaries. And to be totally honest, we are often afraid to lose something we believe has value to us on our journey.

If you are hesitating to say, “Get off my toes!” in the moment when it matters, you too are responsible for this awkward dance. If you are allowing something abhorrent to you because of something that might be lost or gained, you have made an unequivocal statement about what your values really are. Freedom is not free.

Be very clear. This is not condoning the other’s bad behaviors. This is about recognizing when you give up your power.

We are too often completely incapable of simply stating our boundaries and the moments grow like the sea monster which is bigger with every retelling of the moment.

State your preference. Risk the loss attached to your freedom. Never look back. You have no idea what other paths are opening because you made a choice. Perhaps not what you have planned or wanted, but always a redirected path that may ultimately serve you better than what you thought you wanted. This is a late chapter because you must already accept that detachment means letting go.

Tell the dirty old man to “knock it off”! Tell the admin who is denying you access to your boss that it is not her job to do so, and it is YOUR job to keep him or her (your boss) informed.

In other words, accept that bullies exist. You know when you are being abused. Don’t allow it.

You may be thinking, “Easy to say.” If so, think differently.

Observe others who do not take abuse. Have they lost things they wanted? Of course, they have. People will always use their power to get what they want. Some individuals will take the hits and state their values by showing what they are willing to lose. Others will become victims.

Forget worrying about whether it is fair. It isn’t. Until we miraculously evolve, we will have others who get away with abusing power. Make decisions based on what you know is good or bad for your psychological well-being. Tell people to get off your toes when it is appropriate to do so, and scream for help when you need it. KNOW THE DIFFERENCE!

Cheat Sheet:

  1. When someone is suggesting or maneuvering you into doing something you do not want to do, try, “Please be specific. I’m not sure I understand exactly what you are asking me to do.”. It’s amazing how many people do not want to reveal to themselves how vile their desire is by stating it out loud.
  2. Practicing saying, “No Thank You.” to stupid or demeaning demands. Again, it is a way of forcing a person to be specific with what he or she wants. He/she will feel compelled to say out loud what the consequence of not responding will be. Much easier to fight them when they have vocalized the actual threat.
  3. Again, because specificity is such a powerful tool for bringing slimy into the open, you might try: “Let me be clear… are you saying that if I don’t do ______, you will _____? Odds are relatively good they will deny it and hesitate to reapply for what they want. You will seem to be too high a risk just by asking them to be specific.

Source by Toni Lynn Chinoy

Choosing the Right Builder Loan

Choosing the right builder loan for a large commercial project can make the difference between a healthy profit and breaking even on a build. Shopping for a lender can be a complicated process. While the cost of the financing is one consideration, the experience and ability of the lender can be a tipping point. The right lender has the experience within the industry to not only complete due diligence and regular inspections but to offer advice and support throughout the build or rehabilitation of the property.


Once a lender has been chosen, there are several ways a builder loan can be structured. Interim financing covers the construction phase, offering a short-term solution. Interim products are best suited to situations in which the builder needs funds distributed on a regular schedule to cover supplies, labor, and other costs during the build. This plan works well on projects for which the client is able to acquire a full mortgage upon completion of the build. Due to the uncertain nature of construction, considerations for delays are normally built into the contract. Regular inspections help ensure the project stays on track and gives the builder valuable input.

Flexibility Advantage

The biggest advantage of interim products is flexibility. Funds can be released on an agreed-upon schedule, which can be adjusted as needed. The lender is actively involved, which provides extra support throughout the build. A potential con is the amount of work that goes into the process of acquiring funds. A rigorous projection of the work to be done and the scope of the job is necessary. The preplanning stage can be a blessing in disguise, however. A detailed, well-researched plan can alert the builder to potential challenges.

By contrast, long-term real estate loans are more traditionally structured, lump sum builder loans. The interest rates may be fixed, variable, or adjustable, depending on the borrower’s preference. Typically, a long-term loan covers about 80 percent of the total cost of the project, leaving the lender to acquire the other 20 percent. One option for borrowers to ensure a reliable source of funding is a real estate investment trust or REIT. The REIT is populated by investors who earn interest over time. In this way, the builder can minimize costs while ensuring the cash flow is sufficient throughout the completion of the build.

Economic Considerations

The type of builder loan that’s best suited for each individual job depends on the project, the client, and the economic climate of the area. In a strong economy, a more traditional loan structure makes sense. The more flexible and creative interim product is the right choice for projects that have been carefully planned and organized for maximum efficiency.

A lending company with its finger on the pulse of local economics and experience in the industry is the best choice for a partner to complete a project most efficiently and at the lowest cost. Choosing the right lender means gaining a partner who is capable of supporting the building process and maximizing profit and client satisfaction.

Source by Andrew Stratton

3 Most Popular Online Job Boards

Nowadays, it seems like there is a job board for everything. There are sites that specialize in certain industries such as accounting and finance, information technology, health care, and education among others. There are also those that cater to businesses that are looking for independent contractors or remote workers. On the other hand, a number of websites only posts openings for selected job levels such as entry-level, mid-management, and top executives.

With such a myriad range of choices, the question that often comes to mind is, “Where do I begin?” It might actually be a good idea to check out traditional job boards first including Career Builder, Indeed, and These three are among the three most popular online job boards. They also have millions of members, making them an attractive place for employers to post their vacancies.

In this article, we’ll look deeper into the three job boards, what they offer, and what differentiates them from all other sites offering the same service.

Career Builder

This site is a top job site with thousands of job vacancies posted in a variety of categories. Job seekers can search for openings based on job category (finance, engineering, technology, etc), qualifications required (undergraduate, MBA, etc), employment type (full-time, part-time, contractor, seasonal), location, and salary range. Career Builder should be one of the first sites you visit.

The company has also partnered with Tribune, Gannett, Knight Ridder, and many other newspapers to provide job listings on a local and national scale. It also has online job centers for over 1,000 partners including MSN and America Online. If you think you have a good chance of finding a job in Career Builder, you may want to invest in enhancing your profile. The site will display your resume higher during employers’ job search.

Indeed has received a lot of accolades for its functionalities. It has been featured by PC Magazine, PC World, and Time Magazine among others for its ability to provide an effective job search engine to job seekers. The website basically compiles the information it gathers from thousands of websites, blogs, classified ads, company career pages, and associations.

A lot of job seekers subscribe to the site’s daily alert to receive the details of new jobs that are posted within their industry. Indeed also provides comprehensive information about salaries and employment trends. There is a discussion forum where people can interact with each other.


When it comes to scale, is definitely something of a giant. The site remains as a premier destination for job seekers and employers because it offers high-quality employment solutions. There is a helpful community within the site that provides helpful information about your industry and job trends.

For those who need additional career assistance, Monster also provides a wide array of related services including career assessment and resume writing among others. If you’re a fan of social media sites, it might be a good idea to add to your network to be updated about developments.

Source by Jason Kay

Returnable Packaging Alert – The Top 10 Ways To Save Money On Heavy Gauge Thermoforming

While the most common type of thermoformed packaging for industrial applications is a heavy duty thermoformed tray, other options include clamshells, lids for returnable sleeve packs made from plastic corrugated, and pallets. Whichever you choose to use depends entirely upon what you want it to do. Choosing a method that conforms specifically to your needs can help save money in the long run, since your product will be packaged according to exact specifications. Here is a list of some other ways to save money using heavy gauge thermoforming:

1. Before placing an order, provide a sample of the product to be packaged to your supplier. This way, your supplier can design trays that meet the exact specifications of your product. You'll also get a more accurate, better-designed initial quote.

2. Plan ahead. Because thermoformed keys are typically custom-made, it can take a bit longer to fill an order. If you wait until the last minute to order, you will incur a lot of charges that could have avoided if you planned ahead.

3. Determine whether or not you can stack additional weight on top of your product. If this is possible, your thermoformed trays will not need to be as deep. This means smaller trays made with less plastic, which means a basic cost savings for you.

4. Order thermoformed trays that are stackable and nestable, so they will stack on top of each other when loaded with product, and nest inside each other when empty. These take up less space, are easier to store, and also can help save money on shipping costs.

5. Have trays marked with a one-inch stripe on their sides. This will help operators identify when a tray is fully loaded or empty, which can save time and labor costs.

6. Before production, ask for concept sketches and dimensions of your thermoformed trays. This way, everyone will be clear on what is required versus what is being ordered and produced. It there is an error, it is easier to fix during concept design rather than after the returnable packaging is already produced.

7. Make a production tool instead of a wood prototype tool for thermoformed trays. Prototype tooling is time consuming – it can take up to two weeks! Production tooling can be modified and adjusted, speeding up overall design and production time. This also saves from having to pay the additional cost of a wooden prototype, which is completely useless after the job is completed.

8. Once tooling is complete, evaluate plastic thicknesses by having thermoformed tray samples made. If your product can be supported by a thinner material, save money by ordering thinner plastic.

9. Stamp thermoformed trays with an identification mark with company name, address, phone number, and other important information. This will ensure the returnable packaging is returned to the correct address.

10. When you no longer need your thermoformed trays or they become obsolete, ask suppliers to buy them back for recycling. The price paid will be a scrap value, but anything is better than nothing!

In closing, heavy gauge thermoforming is a cost effective and efficient form of returnable packaging. These tips will help you communicate with your packaging producer and keep your costs to a minimum.

Source by David Marinac

Advantages of Job Portals

The biggest advantage of a Job portal is that there is no fee for the job seeker. Websites like thrive on the money that the companies pay to register with them. The job seeker just has to select the company he likes and apply to them. Of course if a person wants to avail of other services like the resume service then he will have to pay extra.

Portals are well organized and more often than not really help people get jobs. Most of them have a basic sign up procedure where the candidate can upload the resume and fill out all the important details about their educational backgrounds, skills and work experience. Everything is done in an orderly fashion and candidates can manages their own profiles and customize the site to meet their needs. One of the biggest advantages of a job portal is the fact that you can avoid certain companies or employers. If you don’t wish for them to see your profile you can simple blacklist them.

However, there are so many portals and so many jobs between them that it becomes difficult to manually apply for these jobs from each and every job portal on the internet. A quicker way of doing this would be to procure a program from the net which can search for jobs through all these many sites and show the results in one window. There is software out there which makes it possible for job seekers to find hundreds of opportunities in and around their areas and reply to these postings with a cover letter and the resume with just a few clicks. Software of this nature usually keeps the user informed with email alerts and reduces the time spent on job hunting.

Source by Saira A Varawalla

How to Use Charisma in Interviews and Job Searches

Charisma in interviews and job searches can land you the job. Job interviews can take their toll on a person, leaving their confidence levels low, and it is essential to have a high degree of charisma to increase the chances of success and the probability of hire.

While you may not be the charismatic type, charisma is something that each individual can develop, and in the business world, charisma can mean your success or failure. Business is not only about technical skills, it is about people skills, as well, and it is essential to take the time to polish those people skills, and develop yourself into that charismatic individual that the employer wants as part of the team.

How to Use Charisma in Interviews and Job Searches

Stay in tune with job searches that offer opportunities for you. Employers network in a number of ways, job fairs, business forums, conferences, luncheons and so on. It is crucial that you take the opportunity to present yourself through your presence and make contacts and connections. Job searches are about making the contacts that may get you in the door. Charisma plays a crucial role, and you need the power to attract. Your confidence level should be high, not egotistical, but high, your body language in tune with your speech, and you should be alert. You want a strong impression that connects employers personally, emotionally and intellectually. Be prepared to present yourself, with business cards, and ask questions that require the employer to answer with extensiveness.

When you have a job interview be sharp. Conduct yourself, without being cocky, as though you are a part of the company, a part of the team. This will take some research on your part in regards to the company but will benefit you, as you will hold the interest of the employer or hiring agent and give them the sense of what it will be like working with you.

During your interview, part of your role is to persuade the employer to hire you. Use passion, animation and stories to help persuade the employer that you are the ideal candidate for the job. Often, the employer will ask you something specific that is relevant to your experience and credential and ability to fit in with the company. Be enthusiastic and channel positive energy to the employer. You want to inspire the employer and encourage the employer to hire you. Demonstrate your accomplishments, your attributes, your education and intellect, your knowledge, and your experience. Be confident, and allow your body language to back up your speech with the right movements and the right gestures.

When you are able to bring charisma into a job search or job interview you further your chances of success. Charisma is for the business world, as well, and you will find that great, effective leaders possess the power of charisma. Charismatic individuals have the talent to use their personality, determination and fortitude to achieve success, and land the job that they search for, or interview for.

Source by Andre Thuna

Down load Tech Mahindra Placement Papers 2011

Tech Mahindra comes about to be portion of the Mahindra Team which can be counted between best 10 business houses of India. Tech Mahindra being a world IT consulting and assistance service provider delivers chopping edge solutions to its shoppers scattered about the globe.

As a fresher a position chance is a aspiration come genuine. Not only does the enterprise offer you fascinating opportunities to understand, grow and reveal on &#39burgeoning competencies in several sectors but also its special International Management Cadre plan will help to discover and nurture opportunity leaders. It has a wonderful competency framework at location to keep keep track of of your occupation chart and gives outstanding progress prospective clients.

It hires freshers in substantial numbers just about every yr through periodic campus recruitment drives. The true recruitment approach has 3 sections – composed test, team discussion and private interview. The published exam which is nowdays carried out on the internet is built to examination primary rational reasoning, analytical and English language skills. Candidates who move this spherical effectively will be termed for GD round where they are divided into groups of 10 or 12 and asked to talk about on a particular subject matter.

The dialogue serves to determine and examination their articulation, interaction and management capabilities. Last but not least, productive candidates are termed for a round of individual interview on passing which they are welcomed into the workforce.

In right now&#39s aggressive job industry academic excellence by yourself can not assure a superior occupation. Educational file needs to be bolstered with excellent conversation capabilities and preparation. Right preparation is the vital to success in any industry. How to get ready for campus recruitment system of Tech Mahindra? Down load the preceding calendar year&#39s placement papers as very well as sample placement papers. Going as a result of these papers would offer you with crucial clues on how to prepare and which abilities to brush up on. Download placement papers for the recruitment now for they will give you an edge more than the other competitors when you finally show up for the composed test.

Supply by Balajee Kannan

How to Find the Very best Section Time Online Work Without Supplying Out Your Credit Card Information

When you are exploring for an option to get the job done from house and make some extra funds, all you have to have to do is operate a research for Online career aspect time alternatives on the search engines. You will be offered with hundreds, if not 1000’s of employment prospective buyers on-line that you can look through as a result of and select from.

A person matter you need to have to be cautious about when browsing for portion time Web work is the risk of currently being ripped off. Whilst there are many authentic on-line work readily available, there are also an equal selection of unscrupulous companies that offer function but decrease to shell out you. You will also occur across a lot of do the job alternatives that need you to fork out upfront for a possibility to function with them. Stay clear of these positions like the plague, as these are risky!

These component time on line employment that desire a regular monthly or sign up payment defeats your objective in the to start with position. Why pay out for the chance to make revenue? It just doesn’t compute at all. These on-line businesses may well pretty effectively be ripoffs, and it will be to your very best fascination to run their names by means of a fraud inform on the search engines.

Retain absent from sites that also talk to for your credit score card particulars just to give you an possibility to get the job done. You are not paying for just about anything on the net, so recall that you should not give out your credit card data. To do so will only leave you open to currently being cheated.

Make positive you only use for section time Online positions that you source out from respectable work portals. These position portals have a massive list of out there get the job done possibilities segregated according to group. This way it will be effortless for you to decide on the ideal component time online work dependent on your skills and the time you have available.

Supply by Jason Welsh

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