Finance

Viruses, ransomware, scams, identity theft and loss of digital information are becoming more and more common as we move towards a digital age.

With digital security becoming more apparent, it is very important to adopt a good habit in keeping yourself and your family safe online. Below are some basic tips and hints to protect your identity, files and your personal device.

Keep your computer, smartphone and tablet clean

  • Keep your device up to date with the latest software
    Software updates provide enhancements and security updates.
  • Keep your security software (anti-virus) up to date
    Security software needs latest virus definitions to identify new and emerging virus/malware. Yes, even Mac’s and smartphones needs security software.
  • Scan external devices (USB)
    USB and external devices can carry virus from infected devices onto yours. Make sure you enable external device scanning to ensure it doesn’t get onto your computer

Be very web savvy online

  • Watch out for dangerous links and attachmentsWhen there is doubt, delete it. Links/attachments in emails, tweets, SMS, posts and advertising are way cyber criminals can compromise your device. If its suspicious or too good to be true, delete it, block or mark it as junk.
  • Check for trusted websites
    When banking online or shopping, ensure they have SSL (secure socket layer) security. SSL protects passwords and your banking information securely.
  • Beware of Phishing
    Phishing is a way for cyber criminals to mask legitimate website with their own to steal your confidential login. Do not click on any requests to verify your password unless you requested it.
  • Risks with public Wi-Fi Hotspots
    Adjust your security level on your device when accessing public networks. Your device firewall and anti-virus can detect and adjust automatically when connecting to different networks. Turn off your Wi-Fi to public networks when you don’t need to use it anymore.

Protect your personal information

  • Keep your password complex
    Don’t use generic password. Keep it complex with the combination of upper case/lower case characters, numbers and symbols. If it’s too hard to remember, use a secure password manager to keep track.
  • Use Two Step Verification
    Two step verification will make it more difficult to access you online presence. If a cyber criminal has your password, they will be stopped if they don’t have access to your other devices and accounts.

Back it all up

Backup your data, photos, documents, video and other digital information and store it securely.…

Introduction

Hello entrepreneurs. I have been in business for about 3 months. I started my business to become rich and get out of my job. The current job position I hold is a computer network teacher in a medium-sized School District. I want out of this position because I know I can do much better. If you are starting or thinking about starting a home business then you know exactly how I feel. If you are a beginner in a home business, I would like you to know that things will be rough. But you can get through the rough times to reap the rewards.

Reason

As I stated earlier, I have been in business for about three months. I am still waiting for the profits to come in. Why am I still working in my business? I continue working on my business because of the reward. I want to be rich. I also enjoy being home with my children in the summer. After dealing with the my children this summer, I am going to enjoy working at home ALONE during the school year.

Business Type

As you should know, the only why to become rich is to be your own boss. The only way to become your own boss is to start your own business. The real question is what type of business should you start. You should start a franchise, consultant, home business, or investing. Home businesses are easier and less costly to start. Also, home businesses can be run very effectively on the Internet.

It is very important for you to select the correct business to be in. I have started several other businesses in the past. None of them were correct for me. Here, I did not put forth enough energy, effort, etc. to make them successful. Let me give you several examples:

My first business was a business to business selling. I was not a good salesperson nor did I want to be. So the business was destined to fail.

The second business was an Internet-based business. I did not put in the funds nor learn enough to market the business. So this business was destined to fail.

For this reason, I am stressing that you determine the best business for yourself. As I mentioned earlier, I have decided on a home based business. Why? I want the idea of ​​being able to stay home. A home business will give me the flexibility to be available for my family at any time of the day. If you would like more information on the home business I am running go to [http://www.tmjohnson.us].

Knowledge

As a new entrepreneur, you know there are many things you will have learn:

1.Product or service

2.Clients or customers

3.Distribution

4.Marketing

Out of these four items, you may find that marketing is harder to learn and the most expensive.

Purpose

This article has been written to encourage new entrepreneurs to continue working for their dreams. Your dreams are the rewards of your …

If in the details you give for your car insurance quote "woman" or rather that you're female is indicated, it sure means lower rates all other things being equal. However, if a man does those things that make insurers love women he will get lowered rates too. In the same vein, if a woman does not do those things that makes insurers prefer the female gender she could pay much more than a man or even find it difficult to get an insurer.

Women have general training that endear them to insurance companies. One of such is that women are generally more safety and security conscious. Women are usually more vulnerable in unsafe conditions and they therefore ensure by nature that they are not caught up in such.

This trait is transported behind wheels too. Women are less prone to stunts than men given similar temperaments. This reduces the likelihood of accidents. And, the lower the chances that claims will be made by any profile, the lower the rates insurers charge them.

However, a woman's driving record could prove otherwise. If a woman gets speed tickets as often as she retouches her hair she'll definitely pay much more than most men. If at the extreme, she gets convicted for grievous offenses like DUI (Driving under Influence), she may find it hard to get an insurer.

Women get lower quotes because as a group they are more safety conscious than their male counterparts (At least as shown by accident records). Therefore, anyone who shows in anyway that they are very illegally to have an accident will also get lower insurance rates.

You can also lower your cquote (woman or man) by getting as many quotes as make sense from reputable insurance quotes sites. I recommend between three and five quotes sites for the best results. Compare the quotes returned and you will make reasonable savings (a few hundred dollars) or if you're very lucky, outstanding savings ($ 1000 or even twice – People have made such!). …

An actor is a product as much as anything that is marked on the Internet. If an Internet marketer does not move a certain product, or attract buyers he or she will change strategies. There is tons of advice on the Internet for sale or for free about marketing your product, but not a lot about marketing actors. If the public does not buy a product on the Internet no matter what you do to sell it, then it is a money-loser. If an actor can not generate dollars for the producer he is a money-loser.

If you take a stroll down the list of A Hollywood actors, you will find varying degrees of acting school ability, but soonless these actors are all on Hollywood's A list because they command top dollars and they command top dollars because there is a reasonable expectation that They will put bums in the seats, which is the only thing that matters in Show Business. Acting ability as judged by a drama teacher is far different than the acting ability as judged by the market place. Confusion for the actor happens when he or she buys the whole acting as an interpretative art form. While it absolutely is an interpretative art form, I would suggest that the audience is the true judge about what is good or what is not.

There is a lot of disdain from those in the acting profession for those actors who are making a lot of money and what that really means is that there is a lot of disdain for the audience that pays to see these players. In Canada, there is a whole industry dedicated to supporting non-commercial theater and film. This increases the superior complexity of players who would not draw flies on the open market. Real actors who make fans of the public, are looked down upon because they are popular, which is exactly what happened in Shakespeare's day, when the intellectuals looked down on him for his popular plays.

An actor as product is what humanity demands. It does not demand secret cults of acting that does not meet the demands of the marketplace. An actor should learn to find his lessons in the audience. In a live theater or a movie theater, there are seats reserved for the most important participant in the performance, the most important judge. These seats are reserved for those that will make or break your career; The audience. …

Almost everyone today is looking for a way to save money, earn extra cash in their free time or just keep during an economic recession. There are some things that consumers can do in order to save money and make cash in ways they may have never imagined. We live in an age where there are a lot of new opportunities that not everyone is familiar with. Also, there are some secrets that can help you save the money that you already have.

1. Smart Shopping
What grocery store do you go to? Have you compared prices with other places locally? Chances are, there is a cheaper place for you to get your shopping done. Some popular stores that are especially cheap to shop at are: Aldi, Food Lion, Price Chopper and many many others.

2. Buy in Bulk
Everything from beer to donuts, you simply save money if you buy in bulk. No matter what you are buying, if it is something that is consumable and you go through more than one if it in the course of two weeks, consider buying more of them at a time. In the world today, people make tons of money by selling individually packaged items, and a lot of your money is going to pay for such packaging! Save by purchasing the largest amount that you can, in whatever you buy!

3. Earn Money Online in your Free Time
This one is a no-brainer. Ever find yourself bored at home, flipping through channels on the TV with nothing to do? Turn this extra time into money, easily! There is a huge industry on the internet with opportunities for people just like you to earn a lot from. It takes no experience, and I have been doing it for over 6 months now! …

The healthcare field is the subject of a host of federal statutes, regulations, guidelines, interpretive information, and model guidance. There are a considerable number of statutes and regulations that have an impact on the delivery of healthcare services. A statute is legislative enactment that has been signed into law. A statute either directs someone to take action, grants authority to act in certain situations, or to refrain from doing so. Statutes are not self-enforcing. Someone must be authorized to do so to take action. A statute may authorize the Department of Health and Human Services to take action, and it is up to the department to implement the law. Regulations, or rules, are made by administrative personnel to whom legislatures have delegated such responsibilities. It is a tool for developing policies, procedures, and practice routines that track the expectations of regulatory agencies and departments. The statutory and regulatory requirements are subject to judicial interpretation.

A very important element of healthcare management is to understand the key regulatory environment. One government statute that effects patient healthcare is the Anti-Kickback Statute. The Medicare and Medicaid Patient Protection Act of 1987 (the “Anti-Kickback Statute”), has been enacted to prevent healthcare providers from inappropriately profiting from referrals. The government regards any type of incentive for a referral as a potential violation of this law because the opportunity to reap financial benefits may tempt providers to make referrals that are not medically necessary, thereby driving up healthcare costs and potentially putting patient’s health at risk. The Anti-Kickback statute is a criminal statute. Originally enacted almost 30 years ago, the statute prohibits any knowing or willful solicitation or acceptance of any type of remuneration to induce referrals for health services that are reimbursable by the Federal government. For example, a provider may not routinely waive a patient’s co-payment or deductible. The government would view this as an inducement for the patient to choose the provider for reasons other than medical benefit. While these prohibitions originally were limited to services reimbursed by the Medicare or Medicaid programs, recent legislation expanded the statute’s reach to any Federal healthcare program. Because the Anti-Kickback statute is a criminal statute, violations of it are considered felonies, with criminal penalties of up to $25,000 in fines and five years in prison. Routinely waiving copayments and deductibles violates the statute and ordinarily results in a sanction. However, a safe harbor has been created wherein a provider granting such a waiver based on a patient’s financial need would not be sanctioned. The enactment of the 1996 Health Insurance Portability and Accountability Act (HIPAA) added another level of complexity to the Anti-Kickback statute and its accompanying safe harbors. HIPAA mandated that the OIG (Office of Inspector General) furnish advisory opinions to requesting providers that are either in an arrangement or contemplating an arrangement that may not fit squarely within the law. For a fee, the OIG would analyze the arrangement and determine whether it could violate the law and whether the OIG would impose sanctions …

Before this book, I had no idea about what were the true techniques to invest in the stock market. When I saw this book on the shelve of bookshops, I immediately turn its pages to check it's content and was pleasantly surprised at the level of detail and coverage of investing in the stock market. Impressed with what I read, I bought it without hesitation.

After reading this book and applying some of the lessons taught, I can say that I am a better investor in the stock market now. Before, I was only a rookie. I will explain to you why.

This book teachers both the fundamental aspects of selecting stocks which Adam will show you. The technical aspects to trading is illustrated by Conrad who traded his way way out of bankruptcy using very good strategies. He easily makes US $ 5000-US $ 7000 a month trading stocks and options. That can replace anyone's salary anytime, will not you agree? His record is US $ 22k ++ in a single month.

One of the important concepts stated early in the book is to invest in the stock market and use the power of compounding. You can be an automatic millionaire by the time you retire using this technique. All you need is patience and some consistency in investing. This was how Warren Buffet became the richest man by investing in the US market and let his investment returns compound.

The rest of the book explains four strategies to grow your funds in the stock market depending on which level of an investor you are currently at with the returns and time horizon you are looking at.

The first growth strategy is the most basic level for novice investors which teachers you to achieve compounded returns of 10% -12.08% annually by buying the market or buying sectors or industries that are outperforming.

The second growth strategy shows you about value investing which can achieve you an annual return of 15% -25%. This method requires you to buy great companies at huge discount and sell them for a huge profit. Warren Buffet uses value investing to pick his stocks. You will learn the nine criteria of value investing to pick stocks that investors like Warren Buffet or George Soros would.

The third growth strategy explains to you about momentum investing which you can achieve a higher return of more than 25% at a shorter time like 3 to 6 months. This involves picking stocks that are about to increase in price significantly due to market optimism. Adam shows you seven steps to screen for this kind of stocks.

The last growth strategy is the most advanced of all, which allows you to net a handsome 100% -500% returns in one day to 3 months. This strategy involves the buying and selling of stock options which is trading. Trading allows you to make money in any direction, be it up, down or sideways. The authors have dedicated 2 chapters to explain …

With the increasing fiscal difficulties in the financial world, it is imperative that families and individuals save as much money as they can with everyday purchases, and the best way they can do this is by purchasing cheap auto insurance.

Different Auto Insurance Providers

Although most insurance companies claim to offer the best services at the lowest possible prices, the cold hard truth is that they all give you pretty much the same coverage for relatively the same price. A little checking around for cheap auto insurance is by far the best thing you can do to save money. Using services that compare rates is generally the best option, as you can see what other companies are offering for a similar plan of coverage.

As is the case for almost any product or service you are potentially buying, it is best to try to find the lowest prices by searching around and exploring all options. A lot of the time, you can save money on your car insurance by opting for electronic statements instead of paper statements, as this equates to a lower cost for the company itself.

Steps to Take to Reduce What You Are Paying For Coverage

While there are differences between the prices of different companies, one of the largest factors that can affect your car insurance cost every month is the amount of offsets that are listed on your driving record. The major things that affect your record include:

  • The number of accidents on your record for which you are at fault
  • The number of speeding tickets you have incurred
  • Any sort of driving that has occurred while under the influence
  • And other traffic violations that have added points onto your driver's license.

In a lot of states, you are able to take steps in order to get points removed from your license, which can greatly affect your monthly rates. …

Sometimes the last thing you want to do is get a job, especially when there isn’t much to choose from. I know thats the last thing I wanted to do, and small towns don’t exactly have the best jobs available (low pay, crappy conditions). So I went off and found other ways, heres a list of some of the stuff I did to fund paintball, hope you find them valuable.

4 ways to make money through paintball for paintball…

1. The best place to start is to get an eBay account and sell all of your junk. If paintball is more important than your xbox, then slap it on… if you have a trunk of baseball cards, throw it on eBay. Heck, I sold everything I could get my hands on… I sold video games I didn’t play anymore, old toys, anything and everything

2. Now after you do that, don’t just spend the money you made yet… invest it back into what your doing. How? I took the money I made and started buying deals on eBay, re-listing them and making some good money. Make sure its something you can resell, or know a lot about. In my case I bought large paintball packages that were either listed with a misspelling in the title or listed in the wrong category… you’d be surprised what you can find. To give you an example, I bought a vintage paintball marker that came with a couple of tanks, masks and another gun. I was the only bidder and paid $200 for the whole package. I listed each item individually and made $200 on the vintage paintball gun alone, so I did pretty well. Do this a couple of times and you have more than enough to fund paintball.

3. If you are good at fixing paintball markers, buy broken guns for dirt cheap, fix and sell them on eBay . Back when BE stingrays were still on the market (yes stingrays), I would buy a lot to modify and resell for $20 to $50 profit.

4. Creative? Innovative? Sell your own paintball mod, accessory, or service on eBay If you did step 3 then you should have plenty of guns to tinker with. An example would be the player that sells his own version of the speedfeed for evlution hoppers, or the player that sells milled body kits. Others powdercoat paintball guns to colors you can’t get them in (which is what I did).

If you are afraid of doing this, or if this is too much for you, think again… I didn’t know what I was doing when I first started (I was 14) and made plenty of mistakes along the road, but once I got the hang of it I made enough to buy the gear I wanted and play as long as I wanted. I also pissed off a lot of my friends too, because they thought my parents bought everything for me…

These are all ways to fund …

One of the first things I learned when I opened my direct marketing business was that I am my own worst enemy. It is not the recession or my product line that sabotages my business, it is me; first my thinking and then my habits. In a society where the media makes its income mostly on bad news and a world that competes, many of us have no idea that we are constantly inputting negativity into our lives.

The Brain is an amazing organ. In my research to find out why so many people seem to sabotage the very success they are about to reach. I ran across the comparison that the brain is like a smart bomb. A smart bomb is given a target and then as wind and resistance take it off target, it self corrects to hit its target. The difference is, the subconscious takes for truth what it hears the most.

The conscious mind can set 1000 goals but if the daily thoughts are negative; the subconscious mind will self-correct. Just like that smart bomb, it will hit the real target believed. For example, the goal may be 100k income online a year. But if there is that little voice saying "I always fail" or "I do not deserve success" you will NEVER hit the goal. You will self sabotage your successes every time. So what do you do? You change how you think.

Affirmations are the way that one can reprogram the brain. Napoleon Hill wrote, "When you kindly feed your mind with good, wholesome thoughts and information, and keep your proper frame of mind, you are supplying the subconscious mind with nourishing material to feedback to you. give it. "

To use this skill, you pick the qualities you need to have in life. Start with the most important one you wish to have. Let us say that it is organization. "I am an organized person." Say this to yourself for one week as you look in any mirror. The more times you say it, the more that "smart bomb" is programmed to the new target – organization. Then second week, add the next skill or quality you wish to have. "I am a motivated and enthusiastic person." Keep adding one every week till you have all that you wrote down memorized. Remember, you MUST word them as if you have already acquainted them. Then just keep saying them daily. The brain will make this your reality. Think that this is to easy to be worth anything? Almost every motivational speaker out there teachers affirmations. People pay 100's of dollars to "get motivated" but they never apply it.

Zig Ziglar wrote, "Are you willing to commit yourself to invest fifteen minutes every day for immediate results and long-term benefits?" Seriously, are you? The simplest thing you can do to reach your goals and most of us will not take the five, ten or fifteen minutes it would take to do so. This article, for …