Guy Work

By Josiah Walter

 Australian Federal and State legislation states unlawful discrimination occurs when a group of people, individuals are treated less favourably than any other person or group of people because of their ethnicity, race, colour, sex, marital status, age or disability, religion and sexual reference, whether your a member of a trade union and any other characteristic specified under anti-discrimination or human rights legislation.

Workplace discrimination and harassment can occur in:

Employment and selection of staff.

Training and type of training being offered.

Being considered for a transfer, promotion or sacking.

Work place conditions.

What is defined as unlawful harassment?

Under Australian state and federal legislation unlawful harassment can occur when a person humiliated because of their race, or intimidated and insulted because of there colour, ethnicity, or any other specified characteristic under anti-discrimination or human rights legislation.

Workplace harassment can include behaviour such as:

Mailing or submitting sexually explicit or suggestive letters, notes or emails.

The making of derogatory taunts or comments about a persons religion or race. telling insulting The making of jokes about particular racial groups.

Nude or pornographic posters displayed.

The asking of questions about a persons sex life or personal life.

The nature of harassment and or discrimination.

No matter the seriousness of an incident, whether it be a one-off or prolonged and long termed, it will still be judged as harassment or discrimination. If left unchecked the continued harassment will erode the drive and ability of the individual or group to eventually effect the overall performance of their work performance.

However the absence of any formal or verbal complaints is not necessarily any indication that harassment or discrimination is not occurring. In a lot of cases the person or group being harassed or discriminated against will not complain or report the incident in the belief that they will be deemed as wingers or the incident is too trivial. In most cases the victim of the workplace harassment or discrimination is lacking confidence in their own ability and has fear of retribution or even worse, being dismissed.

Hostile working environment

As an employer you will also need to be aware of your responsibilities in making the work environment a safe place from a culture of sexual or racial harassment. Both are deemed as HOSTILE. An example of a potential hostile working environment would include the display of nude or pornographic material, swearing and crude conversations, racially or sex specific jokes.

What can not be classed as harassment or discrimination.

However it must be remembered that comments and advice given by supervisors, work colleagues and managers on the work performance or work related behaviour of an individual or group should not be confused with workplace harassment or discrimination.

Feedback during normal performance appraisals and work performance meetings will always be deemed as stressful and will in some cases effect the well being of the person or group being appraised. However, managers and supervisors should always keep these concerns in mind and perform any necessary appraisal with sensitivity without avoiding the need to provide full and frank feedback to their staff.

What is workplace bullying?

Sourced the from ACTUQ/QCCI/Qld Govt Dept of Workplace Health and Safety , they claim that workplace bullying is “the repeated less favourable treatment of a person by another or others in the workplace, which may be considered unreasonable and inappropriate workplace practice. It includes behaviour that intimidates, offends, degrades or humiliates a worker”.

Bullies will use their status or power of position in a company or business to target both men and women with their bullying practices. Bullying behaviour can range from obvious verbal or physical assault to very subtle psychological abuse.

This behaviour would include:

Psychological harassment. (mind games)

Excluding or isolating targeted employees.

Assigning impossible tasks or jobs to targeted employees.

Physical or verbal abuse.

Inconvenience selected employees by deliberately changed work rosters and shifts.

Yell and scream offensive language.

Intimidation

Undermine work performance deliberately by withholding vital job information.

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Using Social Media to Help Track Down a Job Opportunity

By Dennis Crowe

 Social networking web sites such as Youtube, Twitter, and LinkedIn are undoubtedly considerably more effective than at any time. They tend to be much more than simply a discussion board to join up together with friends and family. These sites can be a fantastic system to interact with individuals on a professional level, particularly when it pertains to seeking out employment. Furthermore, social networking sites now produce more Internet activity as compared with private e-mail.

More and more organizations and business owners, most notably Maxim Healthcare Services, have been working with social networking web sites in order to transmit their particular brand or message. They are even utilising these online sites to post employment opportunities and to set up connections with potential job hopefuls or clients.

According to a newly released article on DMNews.com, social networks empower all parties involved to better search for and reach their niche. Several preferred tactics regarding connecting with companies plus prospective employers on social networking internet sites include:

Seeking out Organizations on Social Networking Internet sites: Organisations such as Maxim Healthcare Services broadcast popular job opportunities along with employment tips on Facebook and Twitter. It is also a great way for you, the applicant, to be able to discover much more regarding the corporation in addition to their respective service lines.

Generating Separate Personal and Professional Accounts: You may likely have your personal page on a social media web site so that you can connect with friends or family, however you might want to also create a professional account when you’re looking for employment. This will definitely make it easy for you to emphasize all of your own professional successes together with employment experience. Additionally , it is advocated that you tailor the Web address to your professional account specifically to you. This will permit you to market this specific site to a potential employer.

Joining In Discussion: Almost all social networking sites are remarkable resources that permit you to connect with people you do not currently know. The same is applicable when searching for work. Enquire your existing connections about positions or career opportunities. This would be carried out through your status updates.

Maxim Nurses, a nurse staffing agency, provides RN nursing jobs on a per diem, contract, temp-to-perm, travel, or direct-hire basis to professional nurses throughtout the United States.

physical therapist jobs

By Raul Levine

 Recent reports estimate that as many as one in ten of the population have been a victim of indentity theft, one of the fastest growing crimes of the last few years. By using a variety of means to usurp your identity and pass themselves off as you, the criminals involved go on to commit fraud and theft in your name - leaving you to pick up the pieces afterwards.

The effects on your credit rating can be devastating and often take years to completely fix, so prevention is obviously better than cure. Here are ten simple ways to help you avoid becoming a victim.

1: Be careful with your old documents such as paid bills, bank statements, and receipts. Either keep them safely stored or destroy them if you don’t need them anymore. Don’t just throw them away, as fraudsters often start stealing an identity by searching for these very kinds of documents in household waste. Shredding or burning unneeded papers will prevent this first step.

2: Store your personal documents securely by keeping them somewhere out of the sight of visitors to your home.

3: If you change your address, make sure that you inform your bank, utility companies, and everyone else who sends you mail. Documents wrongly sent to a previous address are a favourite target of fraudsters.

4: Make sure that when you stop using a credit card or bank account, you actually formally close the account rather than letting it go dormant. Having an unused, forgotten about account resurrected by a fraudster might not even be noticed until serious damage has been done.

5: Watch your plastic - make sure you know where your credit, debit and ATM cards are, and tell the issuing banks immediately if you lose them or they’re stolen.

6: If possible change your PIN numbers and passwords to something easily memorable, and NEVER write them down, especially not on scraps of paper kept in your purse or wallet.

7: Don’t respond to phishing. Banks will never ask you for personal details via email, and won’t ask you for the password to your account. You don’t need to ‘reconfirm’ your details following an email request either - just delete the email. If in any doubt at all, call your bank to make sure the request is genuine.

8: Use anti-virus software and firewall on your computer, especially if you use online banking of any kind. Keep the software up to date as well to guard against attempts by hackers to discover personal information on your computer.

9: Check your bank account and credit card statements carefully when you receive them, and query with your bank anything that you can’t identify. Spotting a fraud in progress early on will vastly help in minimising the damage it causes.

10: Finally, monitor your credit reports regularly to see if anything appears that seems odd, such as applications for credit cards that you didn’t make, or missed payments on finance that you haven’t taken out. Services are widely available online which can help you do this by automatically informing you when something on your file changes.

None of us can be 100% sure that we won’t fall victim to the crime of ID Theft, but by taking the measures listed above you’ll be making the job of any potential fraudster very difficult indeed, and they’re likely to move on to an easier target!

Read about trapping skunks, getting rid of skunks, skunk smell, guinea pig food, guinea pig treats , guinea pig facts and other information at the Interesting Animals website.

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What to Do and What to Avoid in Retirement Planning

By Raul Levine

 It is a well known fact that nothing is permanent in this world. Everything is ephemeral. That is why it is always best to have backups, especially financial ones, in case things go out of hand. Hence, a good financial planning for your retirement is the most feasible idea in order for you to save for the future.

DO’s

1. Do know what you are getting into

When making financial planning retirement, it is best to make sure if the management team of the company where you will invest your money is capable of providing you the necessary services that you need. Know how they are going to make money for you. Research the industry. Is it growing? What are the competitors like?

2. Do have an exit strategy

If you make your financial planning retirement, try to create an exit strategy as well. This is to safeguards you from any imminent problems that may arise. Remember that the liquidity of your investment is very important. So, before you start with your financial planning retirement, ask yourself: Can you easily convert it to cash when you need to get out or if something happens and you or your beneficiaries need it?

3. Do invest only in what you are comfortable with

Shop around and be proactive - don’t wait for an insurance company or retirement plan institution to appear at the last second. Even if a financial plan looks very attractive, if you do not understand it enough, or are not prepared to risk losing your money, do not put your money in it.

4. Do remember: nothing is sure in the world of investment

Until the matured money is actually in your pocket or is fully enjoyed by your beneficiaries, all projected returns are simply expectations. The important thing is to have a fallback and move forward. So, when making a financial planning retirement, keep in mind that it is not feasible to entirely depend on one financial institution. Look for more alternatives.

DON’Ts

1. Don’t buy into something just because everyone is

When making a financial planning retirement, do some independent research and analysis first; do not be swayed by what other people’s investment moves. Keep in mind that not all financial planning retirement packages are created equal; each plan has its own pros and cons. So, it is best that you know what will work on you when you make your very own financial planning retirement.

2. Don’t invest in the stock market

If you do not know your way around in the stock market, then do not put that on your list as you go along with your financial planning retirement. Stock markets can be a profitable retirement investment vehicle, but they tend to be a risky business. When you do your financial planning for retirement, keep in mind that it is not wise to gamble everything that you have, especially if the financial planning retirement scheme you are contemplating with is still unclear to you. At the very least, don’t put all your eggs in one basket, so to speak.

3. Do not borrow money just so you can head off immediately

When making a financial planning retirement, it is best that you focus more on your very own finances rather than deliberately borrowing money from others just so you can start right away.

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physical therapist jobs

By Haywood Dickerson

 If you are currently thinking about starting your own check cashing business, there are things that you first need to consider. The path leading from conceptualization to realization can be a scary and uncertain route, and it is difficult for most people to know the proper steps to take. In this article, we will give you the information that you need to know before starting your own check cashing business.

The first and often most difficult hurdle in starting your own check cashing business is the initial investment. On average, the start-up costs for a check cashing business can range anywhere from $50,000 to $150,000, and unless you have a substantial savings, you will need to have solid credit in order to secure financing. In addition to paying for a location and having funds available to actually cash checks, there are many other expenses that you may not think of initially. For example, you need to figure in the cost of computers, furniture, monthly expenses (electricity, heat, etc.), employees, insurance, rent, advertising, licenses, and fees just to name a few. In addition, by the very nature of dealing with money, a check cashing business needs to have certain security measures in place to keep both your assets and employees safe. This may require hiring the services of a check-scanning company (such as TeleCheck), security cameras, alarms, and special glass to protect your workers. As you can see, your start up investment will play a large role in determining future success.

The second thing that you must do before starting your own check cashing business is to acquire all of the proper licenses and permits. It is advisable that you check with your local and state authorities to make certain that you possess all the necessary documentation needed to operate a business. It is also worth mentioning that you will have to comply with the federal and state government’s usury laws, which are in place to prevent financial outlets from charging exorbitant interest rates.

Let’s say that you have cleared these first two obstacles; what step should you take next? You should now turn your attention towards hiring responsible, and more importantly, honest employees. It is crucial in a check cashing business to hire only the most trustworthy of people, so you should take any safeguard necessary to ensure this. This step should include an extensive interview as well as background and credit checks. Do not rush this part of the process just so you can open up your doors to the public. This is one instance where your patience and sound judgment will definitely pay off, and it could end up saving you a lot of money that could otherwise be lost to employee theft.

Starting your own check cashing business is a difficult and involved process. By covering all of your bases and following through on the information provided above, you should find yourself well on the way towards operating a successful and profitable check cashing business.

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Five Ways to Stop the Foreclosure Process

By Haywood Dickerson

 It’s easy to get behind on your bills. It happens even to the best of us sometimes. When it comes to mortgage payments though, getting behind can mean risking your home’s foreclosure. The best way to stop foreclosures is to avoid getting behind on your mortgage payments in the first place, but when circumstances prevent you from paying on time, what can you do? Where can you go?

The first thing to be sure to do, is be open and honest about what’s going on. Don’t try to hide from your lender, or ignore them. This will just give them reason to believe that you aren’t going to pay them back. You need to contact them and be open and honest about your financial situation.

Lenders do not want to foreclose. It is only a last resort for when they feel that you will not be able to pay them any other way. There are a few things you can do to stop foreclosure.

1)Reinstatement - This is when you negotiate to reinstate your behind payments by promising to repay later a lump sum to get back on track with your regular payment plan.

2)Forbearance - This is when you are allowed to hold off on payments for awhile with a plan for later getting back on track with your payments.

3)Modification of the Mortgage - This is when the mortgage is re-negotiated for a new workable payment plan financed over a longer period of time and often smaller regular payments.

4)Selling your Home - This means losing your home, but it can certainly mean getting more money for your home than if you had a foreclosure. You would be given a time period to sell your home in order to pay off the rest of your loan to get out of debt.

5)Deed in Lieu of Foreclosure - This is when the lender and you agree that you will give up your home, and they will forgive the debt. This does not look good on your credit history, nor does it allow you to keep your home, but it is still much better than a foreclosure.

All of these foreclosure stopping methods depend on what your financial situation is in the present, what potential it has for the future, and whether you can negotiate a workable plan with your lender. It’s best to get all your financial documents in order, so that you can present your best possible case to your lender. If they see that there is good potential for you to pay them back, then they will certainly be willing to negotiate with you. You may end up paying higher interest rates over a longer period of repayment, but it’s certainly worth it if you can keep your home.

If you need help in the negotiation process, or getting your financial records in order to plead your case, there are many financial advisors that specialize in helping to stop foreclosures. Financial advisors can be your savior if you don’t know where to start when it comes to negotiations. If you are going to seek an advisor for help, be sure that they are working on results. That means don’t pay them any fees up front. Foreclosure advisors that know what they’re doing, will only take payment if they do the job for you successfully.

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labor work

By Raul Levine

 With a mortgage, you are bound to pay a considerable amount of money each month. And, a home is the biggest asset you own. This two can be turned as a wonderful idea to use your biggest property to get rid from the monthly payments for the mortgage loan. It is the refinance home mortgage rates that provide you with this opportunity. Refinance indicates fetching a second loan to pay off the first loan. In both of the cases, the loan is secured on a same property - as for a home. With the refinance home mortgage, you can use the current equity of your home; get the appropriate value of the home by shutting the previous loan based on the old equity value; and ultimately this results into saving a lot of money altogether.

However, before applying for a refinance mortgage loan, you should know all the constraints of the refinance home mortgage rate. The first and foremost point to consider is whether the total interest payment of the refinance loan saves you money by comparing to the current loan’s interest payment. And also, do not forget to add the expenditure for the refinance loan sanction with some fees and charges. If your first loan was an adjustable rate loan, and the current rate of interest is higher, then refinance home mortgage can come up as most beneficial. And same thing can be said about the fixed rate mortgages.

Refinance home mortgage rates lower the monthly payment, shortens the term period, provides a chance to switch off from adjustable rate loan to fixed rate loan, and sometimes can avail you extra cash to spend.

Refinance home mortgage rates are of two types -

(i)Fixed Rate: Here, the interest rate remains unchanged through out the term period.

(ii)Adjustable Rate: Here, the interest rate changes according to the market condition.

The investors of the second market are the key controllers of the current refinance home mortgage rates. With a flourishing economy, the future capitulates become more prospective than the present capitulates. This leads the investors to wait for the higher capitulates and leaving off the current capitulates. This results into the rising refinance home mortgage rates, because lenders restrain from presenting their loans with lower capitulates.

Conversely, with a downward economy, all the investors’ rush to purchase whatever is available at the current price to save from the future lower capitulates investments. This results into lower refinance home mortgage rates, because in this case, the investors presents low capitulates loans to avoid future lower capitulates rates. Refinance home mortgage rates are typically lesser than the original initial loan. However, there are several components on a typical refinance home mortgage rate. These include, current monthly payment, current interest rates, years left on the first mortgage, balance left on the first mortgage, the new interest rate, the new interest type, and the new loan term in years.

You must remember to add with it the other expenditures like, new loan application fees, points cash down, title search, local fees, appraisal fee, attorney’s fees, credit check, inspection charges, documents preparation charges and credit checks.

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Ten Tips on Securing Your Identity

By Raul Levine

 Recent reports estimate that as many as one in ten of the population have been a victim of indentity theft, one of the fastest growing crimes of the last few years. By using a variety of means to usurp your identity and pass themselves off as you, the criminals involved go on to commit fraud and theft in your name - leaving you to pick up the pieces afterwards.

The effects on your credit rating can be devastating and often take years to completely fix, so prevention is obviously better than cure. Here are ten simple ways to help you avoid becoming a victim.

1: Be careful with your old documents such as paid bills, bank statements, and receipts. Either keep them safely stored or destroy them if you don’t need them anymore. Don’t just throw them away, as fraudsters often start stealing an identity by searching for these very kinds of documents in household waste. Shredding or burning unneeded papers will prevent this first step.

2: Store your personal documents securely by keeping them somewhere out of the sight of visitors to your home.

3: If you change your address, make sure that you inform your bank, utility companies, and everyone else who sends you mail. Documents wrongly sent to a previous address are a favourite target of fraudsters.

4: Make sure that when you stop using a credit card or bank account, you actually formally close the account rather than letting it go dormant. Having an unused, forgotten about account resurrected by a fraudster might not even be noticed until serious damage has been done.

5: Watch your plastic - make sure you know where your credit, debit and ATM cards are, and tell the issuing banks immediately if you lose them or they’re stolen.

6: If possible change your PIN numbers and passwords to something easily memorable, and NEVER write them down, especially not on scraps of paper kept in your purse or wallet.

7: Don’t respond to phishing. Banks will never ask you for personal details via email, and won’t ask you for the password to your account. You don’t need to ‘reconfirm’ your details following an email request either - just delete the email. If in any doubt at all, call your bank to make sure the request is genuine.

8: Use anti-virus software and firewall on your computer, especially if you use online banking of any kind. Keep the software up to date as well to guard against attempts by hackers to discover personal information on your computer.

9: Check your bank account and credit card statements carefully when you receive them, and query with your bank anything that you can’t identify. Spotting a fraud in progress early on will vastly help in minimising the damage it causes.

10: Finally, monitor your credit reports regularly to see if anything appears that seems odd, such as applications for credit cards that you didn’t make, or missed payments on finance that you haven’t taken out. Services are widely available online which can help you do this by automatically informing you when something on your file changes.

None of us can be 100% sure that we won’t fall victim to the crime of ID Theft, but by taking the measures listed above you’ll be making the job of any potential fraudster very difficult indeed, and they’re likely to move on to an easier target!

Read about trapping skunks, getting rid of skunks, skunk smell, guinea pig food, guinea pig treats , guinea pig facts and other information at the Interesting Animals website.

A Look at Foreclosure Fraud

By Raul Levine

 Foreclosure fraud is as old as mortgage foreclosure system. To get rid of foreclosure fraud, National Consumer Law Foundation published a 68-page report on the incidents they investigated in every state of the union. And the Federal Bureau of investigation recently published its Mortgage Fraud Report for 2006 shows the recent statistics, which suggests that, the increasing foreclosures give criminals the chance to exploit and cheat defenseless homeowners looking for financial guidance.

The perpetrators convince homeowners that they can save their homes from foreclosure through deed transfers and the payment of upfront fees. This “foreclosure rescue” often involves a manipulated deed process that results in the preparation of fake deeds. In intense cases, perpetrators may sell the home or secure a second loan without the homeowners’ knowledge, pull down the property’s equity for personal enrichment. While foreclosure scams differ, they may be used in combination with other fake plans.

One can only think how poor it is now and how much poorer it is likely to become as more and more homeowners are or are likely to be unable to make their monthly payments.

Last month the Attorney General of Ohio Marc Dan filed lawsuits against six companies, accusing that they had made fake promises to keep homes safe from foreclosure. He said that every accused may have dishonored at least five different consumer protection laws and has issued a warning to the companies who think they can get away by exploiting and taking away homes from the families.

Mr. Dan also warned homeowners to be very careful and beware of people who promise to avoid your foreclosure against certain fee.

The Massachusetts Governor Mr. Deval Patrick urged the state to propose some legal help to the homeowners those who are facing foreclosure including a new hot line and appointments to reputable financial counselors and to break down on all the aspects of mortgage fraud.

The Governor also said that the homeowners who are delinquent on their mortgages are not being wise and mature at all. Foreclosures are not done silently or confidentially, and the embarrassment factor can be an important motivator to grasp at straws. First they are advertised in the local paper, sometimes for weeks before the actual auction. These legal notice contain all of the details of the mortgage and description of the property.

Also, as a matter of public record lists of delinquent homebuyers can be purchased for mass mailings. These are usually broken down by 30 day, 60 day, and 90-day delinquencies - some lists even come with mailing labels.

So it is clear that finding and contacting a troubled borrower is pretty easy, but the matter of concern is how do these foreclosure scams work and how are homeowners so easily fooled. Is there no way for a homeowner in active foreclosure to salvage something, if only the shred of their self-respect and their credit rating?

There are legal companies who advice desperate homeowners and others who buy properties out of foreclosure. The trick is separating the frauds from the investor who may be able to legally bail out the homeowner, maybe through a short sale.

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physical labor

By Raul Levine

 If you have a business and all of the struggling and hard work you have been doing to make your business successful, then it’s probably a good idea to look into a private wealth management broker. You don’t have to be a wealthy business, at the moment, but a financial service may be able to help you extend your potential, maybe even better than you have ever imagined. When searching for an investment broker make sure they are interested in your long-term goals and risk tolerance and understand the nature of your assets. You’re looking for a private wealth management broker who will have an interest in developing a long-term asset allocation and works with you to implement an appropriate strategy that will help you meet objectives. Make sure they service each individual client’s portfolio on an ongoing basis and evaluate possible adjustments in response to economic changes, market trends or client needs on regular bases. Managing anyone’s money and life savings brings both tremendous opportunity and responsibility for individuals, families and family office executives. Addressing issues of generational wealth requires the right partners. When choosing a private wealth management broker one should require a proactive partner with world class capabilities. Choose the financial service that will have comprehensive financial solutions that are designed to help you grow, preserve and manage your wealth.

Many financial services have a specialized division composed of experts from each of their service areas, and are dedicated to providing comprehensive and flexible financial solutions to meet your unique needs. Many services believe of course, they are leaders in these areas. Just make sure they are committed to identifying and rigorously analyzing financial information, strategic issues and trends, both regionally and globally, which affect companies, industries and markets and fundamental changes which may have a meaningful impact on future investment values for you and your family. Distinguished and objective research is critical to serving investing clients in the equity, fixed income, currency and commodities markets worldwide. When searching for a private wealth management broker, you want to make sure you are comfortable with your broker enough to make a type of bond with this person. After all, he or she will be your trusted advisor, and their goal for you should be in building and managing your wealth be their overall objectives in mind.

The private wealth management service you choose should be to provide you with the tools and services necessary to reduce the administrative burdens of managing money that will allow you to focus on what you do best - maximizing trading performance, building your business, and attracting new sources of capital. Do they have programs that can provide you with an opportunity to generate and increase revenues through relatively low risk, well-understood transactions? You and your family face a number of challenges. You’re looking for sound investment advice from advisors you feel you can trust. Rather than prepackaged products, you need access to quality investment solutions founded on your unique situation. And you need help in developing a coordinated financial plan that seeks to address your total wealth picture and changing needs over time.

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Ten Tips on Securing Your Identity

By Raul Levine

 Recent reports estimate that as many as one in ten of the population have been a victim of indentity theft, one of the fastest growing crimes of the last few years. By using a variety of means to usurp your identity and pass themselves off as you, the criminals involved go on to commit fraud and theft in your name - leaving you to pick up the pieces afterwards.

The effects on your credit rating can be devastating and often take years to completely fix, so prevention is obviously better than cure. Here are ten simple ways to help you avoid becoming a victim.

1: Be careful with your old documents such as paid bills, bank statements, and receipts. Either keep them safely stored or destroy them if you don’t need them anymore. Don’t just throw them away, as fraudsters often start stealing an identity by searching for these very kinds of documents in household waste. Shredding or burning unneeded papers will prevent this first step.

2: Store your personal documents securely by keeping them somewhere out of the sight of visitors to your home.

3: If you change your address, make sure that you inform your bank, utility companies, and everyone else who sends you mail. Documents wrongly sent to a previous address are a favourite target of fraudsters.

4: Make sure that when you stop using a credit card or bank account, you actually formally close the account rather than letting it go dormant. Having an unused, forgotten about account resurrected by a fraudster might not even be noticed until serious damage has been done.

5: Watch your plastic - make sure you know where your credit, debit and ATM cards are, and tell the issuing banks immediately if you lose them or they’re stolen.

6: If possible change your PIN numbers and passwords to something easily memorable, and NEVER write them down, especially not on scraps of paper kept in your purse or wallet.

7: Don’t respond to phishing. Banks will never ask you for personal details via email, and won’t ask you for the password to your account. You don’t need to ‘reconfirm’ your details following an email request either - just delete the email. If in any doubt at all, call your bank to make sure the request is genuine.

8: Use anti-virus software and firewall on your computer, especially if you use online banking of any kind. Keep the software up to date as well to guard against attempts by hackers to discover personal information on your computer.

9: Check your bank account and credit card statements carefully when you receive them, and query with your bank anything that you can’t identify. Spotting a fraud in progress early on will vastly help in minimising the damage it causes.

10: Finally, monitor your credit reports regularly to see if anything appears that seems odd, such as applications for credit cards that you didn’t make, or missed payments on finance that you haven’t taken out. Services are widely available online which can help you do this by automatically informing you when something on your file changes.

None of us can be 100% sure that we won’t fall victim to the crime of ID Theft, but by taking the measures listed above you’ll be making the job of any potential fraudster very difficult indeed, and they’re likely to move on to an easier target!

Read about trapping skunks, getting rid of skunks, skunk smell, guinea pig food, guinea pig treats , guinea pig facts and other information at the Interesting Animals website.

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By Raul Levine

 When stocks are bullish - that is, when prices of the stock market in a steady rise - it is pretty easy for anyone to make money on Wall Street. Studies have any shown that in certain kinds of easy-money markets, novices did just as well as pros when it came to picking hot stocks and reaping fast profits. But the veterans of the stock market game say that the real test comes when there is a bear market and stocks fall into a general slump. Those who can make money under those conditions will gain the respect of even the most seasoned investors. But to do it requires patience, research, and discipline.

Picking the right stock for the economic climate is not impossible, however. One way to get a handle on which stocks will perform best during a bear market is to look at the overall picture of how the stock market behaves. Usually bull markets are periods that also see a strong manufacturing sector. Houses are built, cars are manufactured, and goods like appliances and clothes fly off the shelves. The companies that make and sell those consumer products do well, and those who buy their stock to share in that success drive stock prices higher. But when the party is over and inflation kicks in, we begin to budget our money. Sales volume declines, and many factory workers find themselves out of work as consumer demand slackens. As wages stagnate, so do purchases of high priced items like cars and homes, and this helps to accelerate the decline of the stock market.

But those who buy stocks that perform well even in this kind of economic recession - the stocks known as “recession-proof” stocks - can usually do relatively well, even during sluggish bear markets. Which stocks continue to reward shareholders in a recession? Generally speaking, those that are tied to fundamental basic necessities of life. We may not buy designer jeans and sports cars during a bear market, but we still buy heating oil and we still use electricity to light our offices and homes. So utility company stocks generally fare well during bear markets, as do companies that sell other basic commodities like gasoline. Gold and silver and other precious metals are also a good choice for a difficult stock market season, because when people are nervous about the future of the economy, they tend to invest in things of universal value, like gold. It provides a sense of security, because if all else fails to attract consumers, gold will still glitter and be considered an item of special value and significance. And if you buy gold before the bear market sets in, you can probably sell it for a profit once the demand for it increases.

In summary, stocks that provide a sense of stability and security through ownership of those basic necessities of life are usually a good place to invest during a bear market. And buying stocks whose prices have fallen to bargain basement prices is also a smart strategy. Many perfectly good stocks with underlying value and strong earnings get dumped when people pull their investments away from the stock market en masse. Those who are patient can buy these at wholesale or below wholesale prices, and then watch their purchases rise in value once others realize that these stocks are good buys. When the stock market begins to climb again, those stocks that are undervalued will rise quickly and you will be left holding winners that you bought at deeply discounted prices.

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The Golden Rule and the Workplace

By Josiah Walter

 As much as employers complain of the difficulty finding good employees, few have embraced a formula that assures success. The greater the difficulty finding good employees in your industry, or certain positions within that industry, the greater the need to view the relationship as a partnership. With these employees observe the Golden Rule, treat them as you expect to be treated. If you extend this principle to compensation, weighing what you’d hope to receive in their positions at the expense of some of your profits, you’ll see the problem disappear.

But aren’t employees with skill sets more common entitled to their share of the Golden Rule, partially setting issues of compensation aside. After all, the complaint that good employees are scarce extends throughout the economy. Shouldn’t the relationship between employer and employee be similar to that of customer and supplier? It’s an even exchange, work for pay. Do we unthinkingly accept that the employer has something people want, jobs, therefore their position is superior. If this is truly the way things are, then employers should stop complaining about difficulty finding good employees. It would logically follow from this that there is an overabundance of good employees. But employers need good employees as much as people need jobs. So let’s stop the fiction that they’re practically performing an act of charity when they make a hire.

But this reality of mutual need is blurred before you even summit a resume’. Ads frequently state, drug test required. There are public policy reasons for some of this, depending on the industry, and the Government has viewed this as a part of its war on drugs for some time. However, often the employer will force you to take a drug screen as a condition of employment without justification. If nothing in your past indicates drug use or abuse, drug screens should be reserved for behaviors on the job that indicate a potential problem. But what of the training costs you ask. We don’t want to devote those resources to someone only to find out months later he or she is a drug abuser. Ok. I’ll accept that without argument..

But you, the employee, has probably left a job to accept this new position. In keeping with my thesis that the relationship is mutually imperative to each party, wouldn’t it be nice if you knew before leaving your current job that the boss wouldn’t be subject to fits of erratic outbursts. The results of the test determine whether or not the employer wants you on the team, wouldn’t a clean sample provided by the boss make an employment offer more attractive? You could put your mind at ease over mercurial behavior that would make your work life miserable. Besides, a boss with psychological problems can create more havoc in your life than the reverse.

This thought came to me while I was working for a family who were all subject to terrible mood swings. Screaming and yelling would be followed by an arm around the shoulder in the blink of an eye. One day I received a list of the psychotropic medications prescribed to the patients in the facility. The person in the office next to mine came to see what had caused my outburst of laughter. After dismissing it as nothing, I felt the satisfaction you gain when a mystery dissolves. At the bottom of the list were the names of the owners, obviously receiving their prescriptions from the doctor in residence, who was of course in their employ. The mood altering drugs prescribed to them, many anti-anxiety, were far above what any of the other patients received, and this was a facility with a large psychiatric population. After consulting the PDR, I wondered how they maintained verticality during the day. Evidently they had developed a tolerance for those pills, but for little else. Is this situation out of the ordinary? Probably. But I’d like to see some data indicating employees are statistically more prone to drug abuse than their managers before accepting the current state of affairs as reasonable.

Psychological testing, popular with some employers, should be mutual as well. I’ve known my share of managers who insisted you share their roller coaster of emotions, without presenting a ticket during the interview.

Finally, this insistence that we negate the strict mutuality of the employer-employee relationship, illustrates something that’s always puzzled me while reading HR advice in the trades. It is often stressed that a potential employee should be scrupulously honest while interviewing for a position. Sounds reasonable. But if they’re advising employers to do the same, I’ve missed those articles. How often have you found the organization to be as advertised after a short while on the job? I once had 2 people, an HR Manager and Assistant Administrator, tell me on my first day, after leaving a position I’d be in a considerable number of years, that it was their way or the highway. During the interviewing process, they were falling all over themselves to convince me to join the ranks. It was obvious within my first week that much of their presentation had been a lie. I’m sure had I been provided with psychological profiles or urine samples of the duo beforehand, I would have declined the offer. But of course, they had a right to see mine, while I only had the right to hope for the best.

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Is Working at Home Legitimate?

By Josiah Walter

 You hear a lot about people making a lot of money working some MLM opportunity but the only problem with these are that you need to make an investment and you have to know a lot of people. I have a guaranteed income each month that covers my rent but I’m at home all the time and not earning any additional money. When my wife and i first arrived in Brunswick we applied at a lot of local businesses but the problem being is that at the present moment we only have one car between us.

I had signed up with Guru over a year ago but pretty much never had pursued it. Guru is a site that says you can make bids on freelance work. The only problem is that you can only have one active profile at a time. With Careerbuilder you can apply for retail sales positions, telemarketing positions, and whatever else gets your fancy. You can do all of this without limitation. I did receive an invitation in some junk mail last week about a low cost trial for a freelance site and i signed up and responded to as many ads as I qualified for.

I got zero replies so I canceled my membership. Otherwise it would have automatically charged my credit card for a full months membership and since I got nothing from the trial i was not about to keep the service. I then did some searches on the Net for articles about freelance, work-at-home jobs, telecommuting, etc. What I learned is that there are a lot of sites that will only give you the right information if you pay a membership fee. These sites are making money off of anybody who signs up but I almost guarantee that none of the members are actually getting and work from these sites.

I spent the day yesterday visiting any freelance work site that didn’t charge any fees up front. They may try to get you to sign up for additional services which have a cost but to look at and reply to jobs cost you nothing. Most of the responses i received though were from people trying to get me into some Biz Opp. Or only offering a job where your only compensation is commission after the sale is made.

I have tried commission only work in the past and at first you are all hyped up about the work. This is the same if you have ever signed up for one of theses MLM companies. After a while you get fed up when you find that you were the only person to get really excited about a certain product or Biz. The recruiter’s for these opportunities are very good about getting you all excited about the possible money you can make.

I did respond to this one ad that went like this;

Make $500 to $1000 a day Just by Returning Calls.

Not MLM, No Selling, No Inventory, no Start up

It gave an email address that I replied to and today i received a phone call about it. The lady asked me a few questions like could i follow a specific business plan and after i responded positively she told me to call a certain number at 3:00 PM today. I called the number which was a conference call and you could hear all these other people on the phone talking about how they were now making six figures a year from this. Some of the people said that they used to be Police Officers, Teachers, Lawyers, and managers from other industries. What it all boiled down to was the reason they got you to make this call is because they wanted you to hear all the excitement from the other people which would then get you excited. For a $3500 Pledge you would then get other people that would pay the same pledge placed underneath you. You had to advertise the prewritten ad and call anybody who responded.

To me this is like the old chain letter schemes but instead of getting an envelope in the mail you got an email. No product, no ebooks, no trials to anything. All you got was the satisfaction of parting with your money. They told me that if I didn’t have the money to go a head and borrow it from somebody. There are so many of these programs out there on the Internet and it never ceases to amaze me how people can actually sleep at night after they have convinced other people to part with their hard earned money. I call these things Scams. No other way to look at it.

Now, i have found that there are some legitimate telework jobs out there. These are opportunities to work on the telephone from your home and actually get paid an hourly wage. I have received some emails today from a few of these companies and I have filled out their applications and gone through their training. The ball is now in their court but if these jobs end up not working out believe me I will not keep this bottled up inside me.

I have come to the realization that you need to stick with sites like Craigslist, Careerbuilder, and Monster and in the search box use keywords like Virtual Employee, freelance, virtual call center, work-at-home call center, or remote employee. Now there are some services out their that will post what you are looking for on a lot of job boards and this is fine if you have the extra money but please be careful with your money.

When you do a search on a site like Google or Yahoo the results that show up first in a box are paid listings. I am under the assumption that these results are MLM or some other type of Biz opp. Remember, any site that is charging a fee is probably only making money by charging you that fee. Guru at least lets you to bid on 10 jobs per month without paying anything. I am giving some though to creating a job board where freelancers will post their portfolio and a company that has a job would then look at thesite for a freelance person. The only money I would make would be from something like Google Adsense or by becoming an Amazon affiliate and letting them suggest books based on a persons search.

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