Disclosing too much personal information is a big no nowadays because scammers are on the rise. Scams are rampant in almost every industry, especially in the online world where almost everyone has an access. Among the most common crimes that crop up on the internet is identity theft. Yes, you got it right. Someone could steal your online identity and pretend to be you. This could be pretty daunting. Thus, before this happens to you, acquaint yourself with the 3 most common ways that scammers steal your identity.
Bank and Financial Accounts
When a certain bank or finance company dubiously sends you an email asking for your personal information (even when this seems so authentic) takes the time to really validate it from the bank by personally making a phone call or visiting the nearest branch. This technique in which scammers obtain personal information by mimicking bank e-mails is called phishing. Scammers study this technique very closely because this is a surefire way to get your personal information.
Hobbies and Personal Interests
In most cases, we rarely lock information like our hobbies, interests as well as the organizations we belong to. Just so you would know scammers may also use this information to steal your identity. Once their grubby hands have access to this information, this would then be used in phishing scams. The rationale behind is that it would be easier for scammers to make people reply to their fraudulent mails once someone is with the same group as they are or has the same interests as they do.
Other Personal Information
Even information like the place where you were born is considered to be valuable for scammers. They could use this to further dig other pieces of information. They could even access your birth certificate by using this information. This is also true for your date of birth as this information is also needed every time you make an account. Furthermore, when you’re going to set verification questions, please don’t go with the one that asks for your mother’s maiden name as this could also be used in phishing scams. Above all, your full name can be the primary target of scammers.
Scammers use their ploy just to lay their hands on your personal information and so they can steal your identity. Just keep in mind that they do not only use one technique to steal your identity. There are several ways through which they can embezzle you and these include your address, PIN and the golden ticket- your social security number. Don’t play the part of the victim so do something to protect your information because scammers are just lurking, ready to steal your identity. Be careful.
Some people make a great first impression effortlessly even on the first date. In contrast to these few lucky ones who do not carry the social anxiety are the majority who gets incredibly nervous and tends to get embarrassed rather than impress. If you are on the majority side, this guide is for you so that your first date will be smooth and successful. Keep in mind the following helpful tips:
Do not make a big deal out of the date and just be you. When you are finally out there thinking about the possibility that the person you are with may be your future partner, you will be thinking more than necessary. You will be out of touch with what is actually happening and you will struggle in making everything perfect and may even be trembling as you speak or merely sit. Man, you can fail. There are a lot of other girls out there.
Release yourself free from any pressure and act as natural as you can. If necessary, think of it as simply meeting a new girl rather than a date. Set expectations aside so you can act the way you would when a person new to you is around for the first time.
Acting naturally does not mean any touch of sophistication is not necessary to be displayed. If you are used to wash and wear clothes, just at least iron your shirt this time. Reserve the suit for a job interview as wearing it is not being classy, only overdressing. There is no room for false advertising in your first date.
Choose from among the several light topics for your discussion. Do not take chances on tactless and insensitive humor and rough jokes. Heading in that direction during the first date may be taken as vulgar and cheap and leave you an impression of having a bad taste. You may instead try on sports, songs, hobbies and other easy talks.
Impress if you must but do not be desperate in so doing by giving the false impression. It happens that two good people are just not right for each one. Amazingly, a lower class guy may be able to hit it off.
Do not even hesitate to foot the bill at this point. It does not matter who made the invitation, just pay it. More than lack of sophistication, discussing money matters is a big turn-off. Costs may be shared in the next meetings.
Be respectful to earn the respect. Quit it if your plan is just to play games. Be considerate by putting to mind that women, just like you, deserve respect at all times.
Do not miss to thank your date at the end of the first meeting. The time, effort, and chance to be with a girl are worth the appreciation. Your good gestures will surely be noted. Who knows? It may lead to next future date with her again.
A lot of people love to exercise, but many of them can’t because of the lack of time. If you are serious about staying fit, then you should be aware of simple exercises that you can do pretty much anywhere you want. Here are 3 simple exercises you can do whenever and wherever you want:
Standing is a very simple exercise that anyone can do. You can do this at home or in your office. Rather than sitting when taking calls, try to do it while standing. Why? Standing allows you to burn more calories compared to sitting. That’s a whopping 50 percent more calories burned. Also, sitting too long can increase your risk of having diabetes and decreases your good cholesterol levels.
At the onset, you may do it in intervals. You can sit during the morning and shift to the standing position in the afternoon. Energy starts to go down during the afternoon, which makes it the perfect time to stand up.
Dancing is just as easy as standing. You do not have to be a good dancer. You simply need to love what you are doing. Finding the time to dance is easy. Simply put on some music and dance while you’re getting dressed. This already allows you to burn 50 to 100 calories. If you have spare time, try to dance more. You will find it very effective as an exercise and eventually lose weight. One way to stay interested in dancing is to collect the songs that you love and play them every day. It is the kind of beat that you would immediately dance to when you hear it.
Squeezing and Releasing
Squeezing and releasing is so easy that you can do it whenever you want. If you are waiting in line, you can do the exercise by contracting your glute and abdominal muscles. Once you contract the muscles, try to hold it for a minute before you relax it. Do this repeatedly.
It is important to do the exercise while you are standing for it to help stabilize your spine and eventually reduce the risks of having back injuries.
Having a healthy and fit body is not just about eating the right foods or getting enough rest. Exercise also has something to do with it. If you are a very busy person, going to the gym may no longer be an option. Fortunately, there are exercises that are easy to do and can be performed anywhere. Whether you are at home, in the office, stuck in traffic, or standing in line at the counter, you can still make the most out of your time and perform simple exercises. Despite being very simple exercises, they can still help keep your body fit without you spending too much time and energy.
In the world today where economic crisis is rampant, a lot of ways are coming up as to how to save up or how to maximize your budget. But the question which of these tips really works? Do you need to revamp your whole lifestyle? Do you need to deprive yourself from a treat? Do you need to pass out on a long awaited holiday with your family or friends? With these tips and more, you’ll never have to worry about depriving yourself and your family from life’s pleasures all the time.
Define your Dispensable Income
Knowing what you can only spell a big difference as when you don’t put a limit to yourself. Study what your actual expenses are in a month and have that amount plus a little buffer as your budget and have the conscious effort to stay within limits.
“Want versus Need”
: Another trick is asking yourself this question whenever you start feeling a little guilty of what you are about to buy: “Do I want it because I need it or I need it because I want it?” Tricky huh? Knowing what you actually need at the moment already cuts your expenses in almost half! (And that’s also half the battle won, don’t you think?) As much as possible, avoid the unnecessary purchases especially when you are saving up. What you think could be a desire for a need is actually a desire for a want so it’s always important to think twice before buying something.
Log it in
Keeping a record of all your expenses in a month’s time (or any preferred timetable you are comfortable with) would help you a lot in reflecting what you have been doing right and what mistakes you have been committing in terms of budgeting. By doing this, you can also compare your expenses month after month so you can also determine, which part of the budget needs more funding and which can economize a little.
Imagine a life of saving hundreds or even up to thousands of dollars in a year, it could go to your child’s college fund, that sleek European getaway you’ve always dreamed of or just mere additional savings for the rainy days – the choice is yours!
In the end, the answer here is simple: Always start small. In dealing with changes, making the first step is always the hardest but once you have taken the courage to make it, gained momentum and persevered in living a life of saving rather than spending then you will welcome a big and a positive change in your life (and in your pockets) in no time.
Having a second job is always the smartest idea when you’re having a hard time making ends meet, especially now that we are still in the middle of an economic crisis. Every commodity seems to be rising—fuel, food, living expenses in general. All, except one, and that’s your salary, which could be the most frustrating thing of all. This is actually the reason why more and more people are constantly thinking of ways to dabble on side businesses. But is taking on another job really a good idea? Read on to find out what your alternatives are in earning extra money.
Although, a lot of other people have done it before, not all companies are too keen on allowing their employees to take on a second job because of a few obvious facts: It can disrupt their focus, it can ruin other people’s schedule at the possibility of needing someone to fill in for them, and it can be a telltale sign of a resignation. There also are a few other legal matters that you need to consider. For one thing, some corporations are very particular with confidentiality. So consider all these things before you go ahead with your plan. Relate to your direct superior the financial crisis you’re going through at the present, and discuss what can be done to alleviate the situation. Moonlighting doesn’t necessarily have to be related to your first job, so it shouldn’t be that hard to find one that won’t be in conflict with your main work at all.
The perfect second job alternative
The easiest part-time job you could have is something that will allow you to work at home, or during your free time. It’s flexible and it isn’t as stressful as taking up another position in another company. Since your first job should always be the priority, you need to make sure you don’t take on anything that can put your main job in jeopardy. You can start by looking at freelance jobs online such as article-writing, blogging or becoming a virtual assistant. These part time jobs are hugely popular and it also pays good money.
Working your way up
Some people think of getting a second job to earn extra money, some start their own business. There are a lot of people out there who started really small with something they didn’t really know would turn out to be a big success, but it did, and it paved their way to financial freedom. If you love arts and crafts, baking, cooking, gardening, furniture making, organizing events, and a whole lot of other interests, then you might as well start thinking of making serious money out of your talents and passion. Compared to remaining an employee, this is something that you can actually consider doing permanently. And if you really like what you’re doing, then you don’t have to think of it as work at all!
There you go folks. Some great ideas on what to take up as a second job. This might just be the start of bigger, better things to come.