What is fraud? Are there many types of fraud? What can I do to prevent fraud? What can I do is I fall victim to fraud?

Do you find yourself asking these questions? I know I did. So I decided to do some research and share what I have learned. According to our online dictionary pal, Merriam-Webster, fraud is an act of deceiving or misrepresenting. Basically, it is when trickery is used to gain a dishonest advantage, which is often financial, over another person. I learned that there are many words that experts use to explain fraud: Scam, con, swindle, extortion, sham, double-cross, hoax, cheat, ploy, ruse, hoodwink, confidence trick. Remember, that fraud is something that can be done against individuals but also businesses.

To my surprise, I found out that there are many different types of fraud that one can be subjected to. The many types of fraud there are is:

1. Identity Fraud and Identity Theft
2. Online fraud
3. Individual fraud
4. New Accounts Fraud
5. Utilities Fraud
6. Check Fraud
7. Corporate Fraud
8. Advance Fee Fraud

Any type of fraud, most importantly identity theft, can be an easy problem to ignore—until you experience it yourself. With more ways for criminals to obtain your personal information online—and more complex ways to cover their tracks—it’s more important than ever to protect yourself and your assets. I found that having a complete comprehensive protective plan against these types of actions is the best way to help prevent fraud and most importantly help you if you fall victim to it.

IDShield is the only identity theft protection company armed with a team of dedicated licensed private investigators to restore your identity should it ever become compromised.

Not all thieves need to break a window or pick a lock. In fact, all they need is for someone to click a link in an email or enter their credit card number. From there, identity fraud allows criminals to impersonate their victims to carry out a number of other crimes. Millions of people experience identity theft every year—but it only takes a few steps to protect yourself.

Get yourself and your family protected today.

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Insurance you can depend on!

Critical illness insurance is a plan that pays a lump-sum benefit upon diagnosis of a covered critical illness or condition. For example, the diagnoses of cancer, having a heart attack, or a number of other listed ailments are just a few of the things that could stagnate your ability to earn an income. A critical illness insurance payout would help you avoid the financial strain that a major illness can create. You’ll only need to focus on your recovery.

Medical bills, loss of time from work, your mortgage, and other household expenses may be just a few of the monthly costs that accumulate if your paycheck stopped coming in.

Because our critical illness insurance pays you a cash benefit upon diagnosis of a covered critical illness or condition, you choose how to spend it: Make payments on your mortgage, pay medical bills, hire help for around the house, or take a family vacation. It’s your choice.

Request more information here

I know that both sound the same, Mortgage Protection and Private Mortgage Insurance (PMI), but please be advised that they are actually very different from each other.  Knowing this little piece of information can be what could save your family from losing their home.

Private Mortgage Insurance (PMI) is a risk-management product that protects lenders against loss if a borrower defaults. Most lenders require PMI for loans with loan-to-value (LTV) percentages in excess of 80% (the buyer put down less than 20% of the home’s value upon purchase).[1]  Basically, PMI is an insurance required by your lender when you take out a mortgage.  You probably don’t recall signing agreeing to it when you did your closing, but it was there.  What is important to know about this is that this insurance protects the bank, not you, in case you can’t make your mortgage payments.  Therefore, PMI will not protect your family from losing their home because the payments can no longer be made.

Mortgage Protection Insurance can protect your loan in case of an unexpected tragedy.  It is a policy that you would purchase from an insurance agent.  Without a Plan, your family would still have to make the monthly mortgage payments. This way, your family won’t lose their home at a time when things are already emotionally difficult due to incidents such as death, disability or even a critical illness.  Depending on your eligibility, your plan benefits may include:

 

  • Death – Designed to pay off your mortgage or equity loan in the event of your death.
  • Disability – Can make your mortgage payments if you cannot work due to an illness or injury.
  • Level Premium – Premium payments that remain level and do not increase.
  • Return of Premium – Can return all of your premiums if benefits are not used.

Many families are forced to have PMI protection, and believe that it will protect them from losing their home, but in reality it only protects the bank. This leaves many families homeless when one of the main income earners passes away.

If you’d like to protect your family and their home with mortgage protection insurance, we’ve got good news – it’s affordable and we can help! Just click here and fill out the form.

[1] Investopedia. (n.d.). Private Mortgage Insurance – PMI Definition | Investopedia. Retrieved from Private Mortgage Insurance – PMI: http://www.investopedia.com/terms/p/privatemortgageinsurance.asp

 

homeinvasionMany of us have always thought that a home invasion was the same thing as a break-in or burglary, but they are completely different in that the criminals that are committing the home invasion count, in fact plan, on the fact that there are people home during the invasion. They want us to be home for the mere fact that they can FORCE the victim to give up their valuables because these criminals get a kick off of threatening someone of violence or even death.

Possibly one of the most dreadful crimes out there probably is a home invasion.It could be because a home invasion destroys the basic foundation and emotional content of an individual personal control by violating the peaceful serenity of one’s private intimacy domicile. Perpetually these criminals also conduct an invasion of your home for the purposes of looting and stealing with the added major crimes against a person such as kidnapping, torture, rape, and murder to name a few.

It can be known that since these crazy predators are taking advantage of the home’s privacy, thus making them feel more secure, sex crimes and murders tend to take place more often in a home invasion.

Home Invasion/Crime Facts and Figures

Property Crime Facts:

According to the FBI in the US: www.fbi.gov

  • One property crime happens every 3 seconds.
  • One burglary occurs every 10 seconds.
  • One violent crime occurs every 20 seconds.
  • One aggravated assault occurs every 35 seconds.
  • One robbery occurs every 60 seconds, or 1 minute.
  • One forcible rape occurs every 2 minutes.
  • There were over 2 million burglaries in 2005.
  • An increase in burglary offenses was the only property crime to increase in 2005 compared with the prior year data.

Home Invasion Facts:

  • According to a United States Department of Justice report:
  • o38% of assaults & 60% of rapes occur during home invasions.
  • o1 of every 5 homes will experience a break-in or home invasion. That’s over 2,000,000 homes!
  • According to Statistics Canada, there has been an average of 289,200 home invasions annually over the last 5 years.
  • Statistically, there are over 8,000 home invasions per day in North America
  • According to Statistics U.S.A., there was an average of 3,600,000 home invasions annually between 1994 and 2000.

So what are the odds of being a victim of a home invasion? Perhaps a better question is what are my odds of preventing one? Well, Don’t Make It Easy for Them to Physically Break in.

A criminal, especially a veteran, who is determined, is eventually going to find their way into any home.A homeowner’s job is to find a way to buy some time by making the criminals’ break-in a little tougher than usual.Rather than waking up in the middle of the night with some psycho shining a flashlight in your face while he’s stabbing you in your bed, if you awaken at the noise of a difficult break in, this allows you to escape or gun up and get ready, while you dial 911 and wait for the police.

There are several angles at which to approach home fortification. Certainly home protection devices such as the Dual Function Door Brace or the Super Door Stop Alarm and windows modifications are a priority. There’s something newer out there than standard window bars called Hurricane film for windows which is a transparent stick on glass coating that’s supposed to be amazingly resistant to typical foot or object breakage.

Protect your home with some sort of loud audible alarm device. Before ADT and silent police alerting alarm companies dominated, there used to be something called an “Outside Ringer”. Mostly at businesses and factories, it was nothing more than a large and raucous and hammer and bell ringer that could sometimes be heard for hundreds of yards away. It was hooked up by a magnetic door or window sensor and when set off somebody would hear it and always call the police. Burglars would know this and quickly leave. Homeowner’s are quickly taking advantage of survival kits that provide various devices for protection.

The easiest and quickest solution for your home defense is to have a good defensive barking dog, an outside emergency ringer/anti intrusion alarm system, a stun gun/taser and a high capacity pistol or at least one of the above if one or another is not an option.

Even your car alarm on your wireless key chain lock could function as a “panic button” outside ringer hack, if your car is in range. So you could keep your spare one with duplicate car keys in a belt key chain or in your pocket as you walk around your place.

Just by doing at least some of the above proactive measures, and expanding from there when you can, will create an environment that is uninhabitable for most, if not all, home invaders. Usually they’ll stop the invasion and run away at the first layer of defense when it begins to disrupt their plans.

Start now on improving your security situation as soon as you can. You won’t be sorry!

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With crime on the rise, technology has lead to a decrease in home security prices. Although many devices have dropped in prices over the years, the spy camera is one of the most popular to experience a decrease in price. What was once only dreamed about in movies such as James Bond is now a reality that is very affordable.

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The spy cameras of today are included with pin cameras, pens, and even cameras that are hidden in a pair of sunglasses. Most kits cost a few hundred bucks and will come with sensors and remote Internet access – complete with alarms. This way, you’ll have the chance to hook up your house wide cameras to your main cable system and watch the spy camera from any screen in your house. To watch the video though, you’ll need to have your television set to a specific channel.

Along with spy cameras there is also a variety of other devices that you can use to protect your home and yourself such as motion sensors, alarms, trip wires, spy cameras, surveillance cameras, finger print locks, digital sunglasseslocks, and many more. Almost everything is available at an affordable price, unless you choose to have professional installation. Professional installation will cost a lot more money, possibly even thousands of dollars if you have a big house.

If you aren’t familiar with the way spy cameras and other spy related security works, it may be in your best interest to hire a professional. A professional can show you how to work the equipment and answer any questions that you may have. Even though it will cost you a lot more than if you were to do it yourself, it would be a lot better than messing something up. Spy cameras and equipment can be very tricky – especially if you have no experience with home security.
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The pin and sunglasses spy camera is among the most popular. These cameras may require professional installation, as you’ll need to hook the wireless panel up to a monitor or your computer. Depending on the type of spy camera that you are using, hooking everything up can be anywhere from novice to professional level. Sunglasses can be great to use at home or anywhere else you travel within distance, as the camera is completely undetectable to those who are standing within your field of vision.

For protection around the home or anywhere else you travel, a spy camera can be a great investment. These cameras are becoming more and more popular these days due to the drop in price. Although they were very expensive when they were first introduced, those times have changed. You can get a spy camera now for just a few hundreds bucks – making it an investment you can never go wrong with.

Check out our wide selection of hidden cameras… www.masobasos.com

If you are interested in protecting your home with a ​surveillance system, you should first grasp the concepts of the technology. There are several home ​surveillance systems to choose from, making it in your best interest to learn all you can. Most aren’t hard to install or monitor – providing you have the right guide to assist you.

No matter how hard you may try, it can be nearly impossible to ask the right questions or complete your goals without first finding yourself overwhelmed by possibility. There are many alternatives and “what ifs” to any home ​surveillance system. Selecting which type is best for you can be a bit easier, if you know what they offer and which one will work the best for you.

Closed circuit television and several other types of electronic devices are much more common these days, and easier to operate than ever before. They are also more affordable as well, and becoming more and more popular with home owners everywhere. The basics behind closed circuit systems lets you know that the signals the camera picks up aren’t broadcast through the air, but instead sent directly to the monitor, which can be observed from virtually anywhere – at anytime.

If you learn more of the basic concepts involved with home ​surveillance systems, you can make more sense of the language when you talk to salesman and others in the trade. If you aren’t familiar with any of the technology or systems at hand, you won’t know what salesman or others in the trade are talking about when you inquire about your home ​surveillance system.

Therefore, you should always strive to learn as much as you can about the terms and subjects of home ​surveillance. It’s actually easier than you may think, as long as you keep it simple. Once you have built the foundation, you’ll find it easier to learn more.

The first thing to know is that the camera is responsible for all images that are displayed on the monitor or captured. The performance of the camera will vary on the reflected light available on the area that you are surveying, the quality of the components that you are using, and the overall performance of the camera. Some cameras are high quality, while others can be very poor and lack in direction.

Overall quality with a home ​surveillance system however, will greatly depend on the weakest area of the chain. To get the most from your system, you should always make sure that each and every component is of the same quality. This way, you can get great display images without having to worry about shoddy quality. If you do your research and compare, you can even get great quality at very affordable prices.

When you select the home ​surveillance system that you will be using, you should always take the time to research and compare. If you understand the basic concepts of home ​surveillance, you’ll have a much easier of time of selecting your equipment and components.

To make the best decision possible, you’ll need to look at certain areas of home ​surveillance systems, such as the illumination, lighting, resolution, sensitivity, and the video signal that is sent to the monitor. The quality will vary among the different options you have available, which is why you should always look for the best system that you can afford. This way, you’ll have the ​surveillance protection you need for your home – at a price you can afford.

With crime being more present than ever these days, it always pays off to protect yourself. Although there are police officers and others out there who uphold the law, you never know when something may happen and they aren’t around. To protect yourself, there are several products and forms of protection that you can get. Among the may products available to you, is something known as ​pepper spray – which is one of the most common forms of self protection.

Personal protection products such as ​pepper spray, will work a lot better and yield the most power when you have full belief in yourself. When you have belief in yourself, you will trust your senses, pay attention to what is going on around you, believe in your naturally ability to defend yourself, and show people that you can defend yourself. Although personal protection products are great to have, you need to believe in yourself in order to use them properly.

Protecting yourself is something you simply must do these days. Over the years, personal protection products have become a way of life, with ​pepper spray being among the most popular and best forms of protection. When used properly, ​pepper spray can stop humans from attacking quickly and safely. It’s also useful with dogs as well. It comes in an aerosol form, is easy to use, and can stop most attackers in a matter of seconds.

The active ingredient found in ​pepper spray is OC (Oleoresin Capsicum). The spray comes in 10% or 15%, with a heat rating of 2 million. OC is non toxic, non flammable, and comes from the well known cayenne peppers. When used as a spray, OC acts as an inflammatory agent, causing immediate dilation of the nose, throat, lungs, and eyes – resulting in constricted breathing and temporary blindness. Although it doesn’t lead to death, the effects will last up to 45 minutes, and make attackers feel as if they are dying. The effects will take place immediately, giving victims plenty of time to escape and seek help.

The use of ​pepper spray is completely legal, although there are certain rules and restrictions that you must follow. As you may already know, you can’t carry ​pepper spray or any other form of self defense on airplanes. There are also some states that will prevent the use of ​pepper spray, while others require that you have a FID (Firearms Identification Card) to own or use the spray. To be on the safe side, you should always check with local state ​regulations before you purchase any form of self defense product, such as ​pepper spray.

When you are out and about, pepper spray is easy to hide. Women normally keep it in their purse, where it is easy to access. If you plan to carry it in your purse, always make sure that it is easy to access, with nothing in the way. You can also carry it in your pocket or in your coat as well, where you can easily reach it in a moment’s notice. An attack can occur in a matter of seconds – which is why you want to be able to reach it fast.

All in all, ​pepper spray is a great self defense tool. It can also be a deadly weapon if it isn’t used properly. Whenever you carry ​pepper spray, you should always follow the safety precautions and rules of the spray. If you use it for self defense purposes and know how to properly use it – you can enjoy the confidence and security that it provides.

Background Check: Discovering a Person’s True Identity

Posted: May 14, 2015 in Legal
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How well do you know the people around you? Don’t take any unnecessary chances make sure you and your loved ones are protected by investigating just about anyone. Background investigation is the only true way to get to know people and find out the things they may not want you to know. Uncover whatever skeletons a person may be hiding in their closet with a simple online background check.

Types of Background Searches

Most people would instantly assume checking a person’s background is mainly concerned about criminal records. In reality, however, while criminal background check is common, there are also other types of investigations with the goal of probing individuals. For instance, it can be in the form of checking marriage and divorce records, which is important to make sure your partner is indeed single and legally allowed to marry you. It can also include examination of birth records, such as full name and place of birth. Any court records and warrants served in the past will also be reflected upon conducting a personal background check.

Who Will Benefit?

With a background check, you can ensure that you do not marry a person who is already married to several people. This is important so that you avoid any future inconveniences when the other partners would want their spouse back. In addition, this can also help you start your family knowing that there are no external problems that will hinder your relationship.

You may also run a background check on yourself to locate any possible criminal offenses associated with your name. This is quite important to avoid such a negative history from having an effect on your future. If you have done some wrongs in your past, then the background check can help give you the impetus you need to change your life.

If you are on the lookout for the best provider of detailed background searches, We are an option you will surely not regret. With millions of satisfied customers in the past, you surely have sufficient reason to choose us above others. Through our website, you will have access to tons of personal records to be provided with the background information you need. Our services are simple and cost effective, instant and accurate, and ever-evolving to update the information we have in our database.

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Regal Assets BannerInvesting has become increasingly important over the years, as the future of social security benefits becomes unknown.

People want to insure their futures, and they know that if they are depending on Social Security benefits, and in some cases retirement plans, that they may be in for a rude awakening when they no longer have the ability to earn a steady income. Investing is the answer to the unknowns of the future.

You may have been saving money in a low interest savings account over the years. Now, you want to see that money grow at a faster pace. Perhaps you’ve inherited money or realized some other type of windfall, and you need a way to make that money grow. Again, investing is the answer.

Investing is also a way of attaining the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.

If you want or need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for something in the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.

The overall purpose in investing is to create wealth and security, over a period of time. It is important to remember that you will not always be able to earn an income… you will eventually want to retire.

You also cannot count on the social security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!  Why not Gold?

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Move your existing retirement account off the grid

If you are anything like me you are sick and tired of Wall Street and bankers manipulating the financial system. They are playing a dangerous game of Russian roulette and when it all comes to a screeching halt everyone is going to lose… except you if you follow my lead.

I have found a way to play a totally different game and move my wealth completely off the grid. Let me explain… the game right now being played is all about paper. Everything from stocks to bonds to mutual funds even dollars are being affected by the moves of Wall Street and bankers. The way to play a different game is to move out of paper and into physical assets. With cash it is an easy thing to do but if you are like me most of your money is tied up in retirement accounts. I have found a loop hole that allows you to move your existing retirement account into physical gold and silver.

Let me explain…

I am happy to tell you that after hours and hours of research I have found the most reputable company who specializes in this kind of transaction and I urge you to get in contact with them. This company was recently featured in the Forbes 2013 Investment Guide and made the 2013 Inc. 500 list as one of the fastest growing companies in the US. For a very limited time this company is offering a completely free investment kit that can be mailed right to your front door step and shows you exactly how to move your existing retirement account into physical gold and silver. To take advantage of this offer simply click here.

Regal Assets BannerListen I don’t want to put any pressure on you but these free investment kits go out on a first come, first serve basis. So please don’t wait. Your future depends on it.

The owners of this website may be paid to recommend Regal Assets. The content on this website, including the positive review of Regal Assets, the negative review of its competitors, and other information, may not be independent or neutral

Every day we as a society frequent many businesses whether to purchase a good or a service. During our visit we encounter either good or bad customer service. In service marketing, marketers use the servuction model to help breakdown the service that one does get.

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The servuction model is basically used to illustrate factors that influence service experience, including those that are visible and invisible to the consumer[1].   When a servuction model is done on any given business, it is important to know the four factors of it. The four factors are: servicescape, contact personnel/service providers, other customers and organizations and systems.

  1. Servicescape is basically the physical evidence or all nonliving features that are used to design the service environments. The bottom line is to think of anything that is plainly visible to the consumer and anything that consists of ambient conditions, inanimate objects, and other physical evidence. Recently I went to the movie theatres and I can understand how the servicescape can influence my overall experience. The proper placement of the movie advertisements (i.e. stand-ups, posters, etc.) as well as ticket booths and other nonliving objects like game machines and such can affect my service experience if I have to walk around them. To me it would seem as if they used this model because they properly displayed and placed everything to where it catches my attention but doesn’t ruin my movie experience.
  2. Contact personnel/service providers are actually two areas that can affect the service experience bundled up into one category. Contact personnel are the employees other than the primary service provider who briefly interact with the customer. Service providers are the primary providers of a core service, such as a waiter or waitress, dentist, physician, or college instructor. Every time I frequent a local McDonald’s they have this one employee whose job is to make sure that the dining area and rest rooms are clean. It is clear that he has some sort of an OCD situation going on. Well, he doesn’t seem to understand the term of personal space and will clean the table and sweep the floors while you are still eating in that particular space. I find this very uncomfortable which ruins my service experience at the fast food giant.
  3. Other customers are basically those that receive the service along side yourself perhaps through a bundle of benefits created through service experience. Unfortunately, I cannot think of a business that I have frequent that provided this type of service and it was great or bad. Have an example and wish to share please do so in the comments.
  4. Organizations and systems are the invisible part of the model that reflects the rules, regulations, and processes upon which the organization is based. I recently encounter this part of the servuction model that ruined my service experience. The fast food provider is KFC. I recently went there to purchase a pot pie meal and was given on price but charged a different price. When I question the additional charge it was told to me that it was a service charge added to all debit card transactions. I asked where is the signage that states the fact and was pointed to a sticker no bigger than a mailing label with words of five point font (that says five point font). This was a change made within the rules and regulations of the business that caused a horrible service experience.

It is clear that the servuction model makes obvious that consumers are an essential part of the service process; therefore, telling us marketers that we need to think of our consumers first.
[1] Hoffman, K. D. (2011). Services Marketing: Concepts, Strategies & Cases, Fourth Edition. Mason, OH: South-Western Cengage Learning.