The LuxMob Info Tags

Recent headlines have shed light on a growing problem, individuals who retrieve and sell personal information that a business has collected for legitimate reasons. Consider the following:

• A former help desk worker used his position at a credit checking company to obtain the personal information of thousands of individuals. The worker allegedly conspired with an accomplice to sell the victims’ credit reports to an identity theft ring. The ring supplied the pair with the name and social security numbers of the individuals whose identities they wanted to steal. The worker, who left the company in 2000, allegedly used codes he had obtained as an employee to access credit reports. He was also accused of providing access codes and passwords to at least one cohort who then used the codes to obtain consumer credit reports.

• A ring of identity thieves targeted a group of high-ranking executives. A temporary employee working at the company’s world headquarters obtained personal information about company executives and then sold it. The information, including social security numbers and birthrates was used to obtain credit cards. The police estimated about $100,000 was charged to the cards.

• The former employee of an insurance company stole a database containing 60,000 personnel records and sold some of the private information over the Internet. The suspect posted a message on an electronic bulletin board announcing that he had thousands of names and social security numbers for sale. Further investigation revealed he had also posted the credit card number of a former supervisor. At the same time, he allegedly created false e-mail addresses and sent harassing messages to colleagues.

So how does this happen? An individual can do everything right, from shredding documents containing sensitive personal information to monitoring credit reports but the reality is your personal information is only as safe as the organization protecting it.

Identity theft occurs when someone uses the identifying information of another person, such as name or social security number to commit fraud or engage in other unlawful activities. While numerous variations of the crime exist, an identity thief can fraudulently use personal identifying information to, among other things:

•	Open new credit card accounts;
•	Take over existing credit card accounts;
•	Apply for loans;
•	Rent apartments;
•	Establish services with utility companies;
•	Write fraudulent checks;
•	Steal and transfer money from existing bank accounts;
•	File bankruptcy; and
•	Obtain employment using the victim's name.

Identity theft rings have been known to recruit individuals who work within an organization or they seek employment themselves in positions where they have access to personnel records, credit reports or other sources of personal information. Identity theft rings pay individuals anywhere from $20-60 an identity.

One major problem with incidents of this nature is some organizations try to avoid potential embarrassment and negative publicity by not informing employees or customer that their personal information may have been compromised.

When whole groups of people are victimized, there are more clues.

In one case, a teacher at a middle school complained to a colleague when bill collectors started calling him at work. Another teacher who had also been victimized overheard him. When they began to inquire they soon found out various other teachers had also been the victims of identity theft.

After checking credit records four teachers found they had the same fraudulent address on their credit reports. The identity thieves had also applied for the same card on almost every teachers record.

Times have changed and organizations can no longer take a head in the sand approach when dealing with identity theft.

Organizations can implement the following safeguards to prevent identity theft in the workplace:

• Properly dispose of personal information and other sensitive material. This could be accomplished by shredding documents. Do not allow intact documents containing personal information to be thrown in dumpsters.

• Conduct background checks on all individuals with access to personal and/or sensitive information, including cleaning and temporary service.

• Limit the number of temporary agencies your company uses. If possible, maintain the services of one trusted firm.

• Develop guidelines to safeguard personal and/or sensitive information; the guidelines should address issues such as practices for handling such information responsibly.

• Train staff on information security issues and include information on the topic in new employee orientations. Educate them on why certain information needs protection and procedures on how to protect it.

• Limit the use of social security numbers in the workplace. Don’t use the number on items such as employee identification badges, time cards or paychecks for the whole world to see. Use alternative numbers.

• Control access to personal information and limit it to those employees who have a legitimate reason for access. Audit who looks at what personal information.

• Secure employees’ personal information in a locked file cabinet or other secure area. Sensitive files stored on the computer should be password protected and encrypted.
• Implement and enforce password security procedures for all computer users. Passwords should be changed on a regular basis.

There are numerous opportunities to educate employees on identity theft prevention and the steps to take if they become victims: new employee orientations, annual staff orientations, training conferences, workshops, and departmental meetings are just a few. Brown-bag lunch training sessions have also been found to be helpful.

Security awareness could also be increased through the use of posters, newsletter articles, e-mails, video presentations and other promotion vehicles such as brochures or booklets that address identity theft. Stock relevant publications and audio-visual programs and make them accessible to company executives and employees.

Identity theft is a crime of opportunity. Vigilance and awareness is essential in combating the fast growing non-discriminatory crime.

Johnny May is an independent trainer/consultant who specializes in protecting individuals and organization from identity theft. He is also the author of Johnny May’s Guide to Preventing Identity Theft and the featured expert in the video production Identity Theft: How to Protect Your Credit, Your Money and Your Good Name. For more information visit http://www.identitytheftinfo.com or e-mail at secres@prodigy.net

An at home money making business opportunity can be a great way to stay home and earn money. However, as with any opportunity, you should ask questions. First, examine the product the opportunity sells. Would most people want it? Would you want it? Your liking the product will translate to others liking it too.

Second, what will the at home money making opportunity cost? Will it cost to join or market? Will you have to buy equipment? How will you be paid? How long does it take before you make a profit? Be wary if the company makes unrealistic promises such as earning lots of money at once. Look at what you will be spending versus what you are earning.

Third, how much training will you need for the at home money making business opportunity? The company you’re affiliated with should show you how to advertise. Work with others to learn about your product and the best ways to sell it.

Fourth, find mentors who have successfully sold your product. You can find out what worked for them and what didn’t. An online forum with people experienced with your business can help you be successful. Find out how much money can be made.

Fifth, look before you leap. If you’re unsure about something, make sure you resolve your doubts with the company. Research the business before getting into it. Some businesses will let you have a free trial period before you have to sign up with them. While you should be cautious, you should also give yourself some time before you quit. Try to get the most out of your time and money.

Sixth, make sure you have all your legal matters in order before starting the business. An at home money making business opportunity regardless of how many people are involved can be subject to the same regulations and laws as traditional businesses. Contact the relevant local government agency. They will give you free information on licenses and fees. You can call them if you need zoning permits. An accountant may be helpful in telling you how to meet the requirements for a work at home business. They can also answer questions about taxes and forms needed for certain kinds of businesses. Your local business chamber of commerce may be able to answer questions about home businesses.

Seventh, prevent your home life from interfering with your business. Have a specific space created for an office. Make a schedule and stick to it. Consider getting another phone line or post office box for business communications. Talk to the people you live with about how you need their support and help in making your home business great. With preparation and effort, your home business can be a winner.

About The Author

Adrian Austin is a respected internet marketing expert, and the founder of a leading home business http://www.treasureant.com and numerous marketing websites.

Under more pressure than ever to achieve, high school students often find themselves overwhelmed with increasing amounts of homework. While some high schools are guilty of assigning too much homework, there are ways of approaching the task that allow you to become more productive and efficient.

Organizing your homework assignments saves a lot of time and wasted effort. Make sure you record your assignments for each class as they are given, and then make a checklist - before you leave school for the day if possible - to make sure you have all the tools and supplies you need for each assignment, including textbooks, class notes, additional reading material from the library, etc. If you have a study hall near the end of the day, use at least a few minutes of that time to organize yourself.

Are there assignments that you believe are going to give you more trouble than others? Use your study hall time to think about those particular assignments, and either tackle them in study hall or think about some resources you can access before you leave school for the day. Maybe you need to clarify something with the teacher, or get information from one of your classmates about the assignment. Get a library pass and use your library time to gather resources for your evening’s homework.

You should arrive home with everything you need to complete the evening’s homework assignments. Again, organization will save you time and trouble. Wherever you do your homework, whether it’s at your own desk on stretched out on the bed in your room, have all the books, notebooks, and supplies you need within easy reach.

There are a few standard tricks to approaching reading assignments. Before you start to fully read the assigned passages, glance through them. Notice the chapter titles and the interior headings and subheadings, if any. Look at all the illustrations, charts, and tables, and be sure to read all the captions. Go to the back of the chapter or subchapter to see if there are any questions; if there are, read them. Then start reading the assignment in full, keeping a notebook handy. When you run across information which looks like it will help you answer the questions at the end of the passage, take notes, or at least jot down the page number as you come across relevant information. Even if you haven’t been assigned the questions as homework, try to answer them, at least by jotting down a few notes on each question (chances are your teacher will use these questions in class the next day, or as the basis for future tests). Make a list of your own questions about the subject to ask your teacher.

At the beginning of each course, consider going through your assigned texts and creating an outline of each textbook. Create a three-ring binder and provide sections for each chapter and subchapter, and file your class notes and completed assignments as they come up in the appropriate section. If a class - for instance, algebra or physics - includes formulas which you need to work with and commit to memory, write the formula and one or two examples of the calculations on a separate page, and file the homework on succeeding pages. Do the same with theories - the commutative and associative principles of math should each have a separate page in your algebra notebook, for example. Design these particular pages in a way which will stand out and be easily found as you page through the notebook. What you create by imposing an organization at the beginning of your course is a template for studying as you move through the course and submit to quizzes and tests.

Don’t forget to review your homework when you get it back from your teacher. If you’ve missed a few math problems, make sure you go over your work and figure out what you did wrong, and recalculate until you’re sure you’ve come up with the right solution and the reason for it. If your homework involves creative writing, which you enjoy, file it in its own binder. You may not have time to revise assigned writings now, but sometime in the future you may want to do some additional work on the subject, and you’ll have your writing assignments ready and organized, available for creative inspiration.

One neat trick to keep you on task: Keep track of your time. Create a log which records the assignment, including page numbers of reading material, and record a start time and a finish time for each task. After a while you will develop an understanding of just how much time it takes to complete various assignments, and will help you plan your day and evening. It’ll also help conquer the worst problem many of us have with any task - procrastination - because you’ll know that a certain assignment is only going to take fifteen minutes, and then it’ll be over, and you can move on to another part of your life, like watching your newest DVD. Also, in the event that you really do have way too much homework - some schools and teachers are notorious for piling on very demanding assignments, day after day - you’ll have evidence! If you’re consistently burning the midnight oil and then arriving at school the next day bleary-eyed and sleep-deprived, talk to your parents. Armed with specific information, they may be able to intervene, either directly or through your local PTA.

If you have an assignment - a school project, a term paper, or other task - which requires an extended period of time to complete, make your checklist and create a timetable for each task. Include planning, gathering of resources, outlining, reading (drawing, painting), etc., and divide up the necessary tasks into chunks of work which you can schedule over the time allowed for the assignment. Consider scheduling the task so that it actually gets done early; if the assignment is supposed to be passed in two weeks from Friday, for instance, try to schedule it for completion by Tuesday or Wednesday of that week. This give you time for false starts and problem solving, and will take the heat off and lower your stress level as you meet each task ahead of schedule.

Don’t forget to schedule time for your personal life! Getting a handle on your homework assignments and the time they take means that you can incorporate them into other aspects of your life, like school activities, trips to the mall, parties, get-togethers with friends or family, etc. When you know that a particular group of assignments is going to take you two hours, it frees the rest of your time up for - well, living!

Aldene Fredenburg is a freelance writer living in southwestern New Hampshire. She has written numerous articles for local and regional newspapers and for a number of Internet websites, including Tips and Topics. She expresses her opinions periodically on her blog, http://beyondagendas.blogspot.com She may be reached at amfredenburg@yahoo.com

GOALS ARE DAMAGING

I know this is a strange follow-up to my last article, but stick with me. Can you relate to setting goals and not achieving them? Have you ever been frustrated by trying to set goals when you know in your heart that you will never reach them? You even say to yourself, “Who am I kidding? I will never accomplish this goal.” That’s why I’m here to tell you that goals are truly damaging for your future, because you beat yourself up over never reaching those goals.

On the other hand, goals are very important. Don’t let me confuse you with this just read this carefully. Goals are imperative when you have a strong “Why” in place. Let’s parallel this to a ten-story glass building that is shiny and beautiful to the eye. It towers over the city and creates the skyline. Now let’s imagine that the building was built by a group of amateur carpenters in one day and had a poor foundation. It looked very nice, but wasn’t solid. One day a little bird flew smack into that building, and guess what happened? That little, tiny sparrow knocked down that massive building that looked amazingly strong and powerful from the outside. Why? The foundation was pathetic, and there were no true roots to hold that building in place. No one paid the price for that building to hold its own in the real world despite how it looked to the average person.

Let’s tie that into your goals. Your “Why” is your foundation and your roots. Your “Why” must be stronger and bigger than you are right now! You must internalize your “Why” and know exactly “Why” you do what you do everyday to reach your goals. Too many people have set the goals of making a lot of money. Can you relate to that? Have you ever set the goal of making a certain amount of money in a month, and then at the end of the month you haven’t made a dime more? Here’s the reason why. You must know “Why” you want to earn that amount of money for that month. It’s not the money that drives you…it’s your “Why”! What are you going to do with that money? Pay your car payment, donate it to your church, buy your child a new toy…”Why” have you set that financial goal for that month? Another thing, you should never set a goal of “making” a certain amount of money in a month. Instead, after you know “Why” you are setting that financial goal, then set a goal of EARNING that money not MAKING that money. Remember, no one paid that price for that beautiful ten-story building, and it fell. You must be willing to pay the price and EARN your way to your goal.

Let’s go over this again. Goals are damaging to your future. If you don’t have your “Why” in place, then you have no foundation to support you as you head down your success path to completing that goal. Without that foundation, you will give up and be discouraged from ever setting goals for yourself again. It doesn’t matter what type of goal - physical, financial, social, etc. - you must know “Why” you are going pay the price to achieve that goal. If not, then that goal could damage your life instead of assisting you in ultimately achieving success that you’ve always dreamed about. Commit today to develop your “Why” before setting any more goals!

Let me share 3 questions with you that will help you “Find Your Why”.

1. If you did not have to worry about finances or going to your job on Monday morning, then what would you do?
2. If you had so much money that you had to give it away, what would you do with it? Who would you give it to and why?
3. Do you enjoy life? If so, why? If not, then why not? Remember, your past does not control you! Your future should drive you, because you see yourself successful!

After you develop your “Why” and set your goals, you will encounter obstacles and challenges like that little bird that hit that huge building. If your “Why” is strong enough, then unlike that building you will stand firm against whatever tries to stop you from achieving that goal. You will not be knocked down!

Remember, goals are damaging if you don’t have a foundational “Why” in place. I challenge you today to ask yourself those three questions, develop your “Why” and then set your goals.

Find Your Why,

John Di Lemme

John Di Lemme, a Former Clinically Diagnosed Stutterer, now the
World’s Leading Motivational Expert *shocks millions globally*
by exposing the truth they’ve been searching for in order to
achieve monumental life success through his Award Winning Live
Seminars, Power-Packed Training Programs, Live Tele-Classes,
Motivational Club and Weekly E-zine. Take action now and join
tho.usands of others that have used John’s proven methods to
live their life to the Maximum! Visit www.FindYourWhy.com
and discover how you can finally create monumental success
in your life today and achieve all your goals, dreams and desires.

Are you confused about what bra you need? Do you need an Underwire for support? What is a wireless, strapless bra?

The reasons for some common ailments like backache, strains and poor posture, can be linked to simply selecting the wrong type of bra. Taking a little time to learn what the different types of bra are actually for and selecting the right one, will no longer seem like your sitting a medical exam.

So many types of Bras have been produced since their first appearance. Thanks to lots of research and modern manufacturing techniques, women don?t have to struggle to fit their upper body and chest into oxygen restricting contraptions anymore.

Most of today?s bras are made of lavish fabrics, made to support, uplift and enhance a woman’s breasts.

See through, specialty bras, wireless, underwired, nursing, maternity bras, sports bras and even strapless and backless bras are just some of the types available. There is a bra on hand to fit any bust size.

Imagine going for a run without one?
A time when a bra can prove indispensable is during and after pregnancy and for use during sport. Sports bra’s that provide that much needed support during heavy physical activity are appreciated mainly by women with larger chests.

How easy is it now to feed your baby while you are on the go?
Pregnant women have access to nursing and maternity bras, which makes breastfeeding on the go a piece of cake. Innovative designs allow discreet feeding and offer comfy support for when a woman’s breast Size can change or alter in a time span of weeks or months.

Some women have a preference for underwire bras because they believe they offer the best support. However, for other women underwire bras can be uncomfortable. Thanks to the manufacturers there is a huge selection of Wireless bras that are both gratifying and supportive as their wired counterparts.

In the following pages to come, we have categorised the most popular types of bras and listed their benefits and descriptions, so you can gain a further understanding and pick the right bra for you.

Vanessa Cane is a succesful freelance writer and
lingerie enthusiast providing valuable tips and
useful advice for online purchasers of items, from
just a plain old
bra,
to a more exciting
sports bra
and even a
plus size bra. Her numerous articles offer money saving advice and
refreshing insight.

Wouldn’t it be nice to have someone hand you the key to open
the door to wealth? Of course it would.But there is no GET RICH
QUICK programs.Iv’e searched for ten years on different
programs,to find myself scamed again. Until one day I ran into a
wealthy person who was willing to share a few things with me.The
one thing he said that stuck was change your thoughts change
your world.I found out I was going about it all the wrong way.I
did not read and take heed to what experienced people had to
say.So when I did,things started to change Then I said to
myself,you should let others know what you have learned.So
hopefully it will help them make more informed decisions. But do
not take my word for it.Check out the web site below and find
out what I did,so you don’t have to be scamed again.And hurry
,if your not moving forward some one will pass you by. I hope
what has been said will truley help you out.What ever you do,I
wish you the best in health and prosperity for the new year.

All The Best Warren Norman

http://www.richjerk.com.nmotion.net.hop.clickbank.net