Ways Identity Thieves Can Obtain Your Personal Information

Internet identity theft on a digital tablet with reflection of hackers hand concept for online digital crime

A criminal can obtain personal information on another person in many ways. “Dumpster Diving” is a method perpetrators use by going through a person’s garbage, communal dumpsters, or trash bins. These criminals can obtain copies of checks, credit card statements, bank statements, receipts, and carbons. The criminal will search for anything bearing your name, address, telephone number, and social security number.

Another way identity thieves can obtain information is through “Shoulder Surfing”. This is a method perpetrators use by looking over an individual’s shoulder while in a checkout lane and memorizing the information on a check or a credit card. The perpetrator can also get calling card information or credit card information by looking over the shoulder of a person on a public telephone or just by eavesdropping if someone is giving their credit card information over the phone.

“Skimming” is another way for information to be obtained. There are different types of skimming. A waiter at a restaurant may take a person’s credit card to process their bill and then make a copy of the card. A store clerk can copy a credit/ debit card number from the carbon that the store keeps from a person’s receipt. Also, skimming can occur when a criminal attaches a small skimmer device to an ATM machine and when the individual slides their card through, it records the magnetic stripe details.

The internet has become an appealing place for criminals to obtain personal data. The novelty of the internet encourages people to explore. They often respond to unsolicited emails that promise them something but require personal data from the person to process the request. In most cases, there is no intention of giving out anything. Today, half of all credit card fraud is conducted on-line. (Department of Justice, 2013)

“Phishing” is yet another method to obtain someone else’s personal data. Phishing is the act of emailing a person and stating there is a problem with their account, then requesting personal information so the problem can be corrected. A new phishing scam that banks must face, which is hard to identify, is when a bank customer opens an email or even deletes the email without clicking on any embedded links, there is an program attached to the email by the criminal who silently runs a script. When the banking customer logs onto there bank website the code redirects the person to a fraudulent web site. (Federal Trade Commission, Ramsaran)

“Pretexting” is the act of calling a victim on the phone and stating they have a problem with their account and they need to verify information to fix the problem. (Federal Trade Commission)

“Spoofing” is when an individual receives fake email messages from a recognizable company requesting an update on their information. The website is hyper-linked and when accessed the criminal is able to obtain the individuals logon and password. (Urrico)

“Pharming” is a technique criminals use by setting up a phony web server and intercepting user names and PIN numbers. (Urrico)

Perpetrators can also obtain personal information by bribing employees who have access to personal records, stealing records while on the job, conning information out of employees, hacking personal records, stealing your wallet or purse, or stealing from your home. (Collins, Federal Trade Commission)

Criminals can also pose as a legitimate business and buy personal information from companies that collect personal data to be sold for verification purposes such as a background check on a potential employee. (Data Security)

When criminals use the skimming technique that copies the magnetic stripe of a credit card, they can sell the stripe on the black market and from there the stripe can be cloned to make several cards. (Credit Card)

Criminals can use credit cards or debit cards to go on shopping sprees. They will often buy large, expensive items such as computers, TVs, and stereos that are easily sold.

Criminals can open new credit card accounts or loans in the victim’s name and when the bills are not paid, the delinquent accounts are reported on the victim’s credit report.

Criminals can open wireless services or establish a phone in the victim’s name.· Criminals can open bank accounts and write bad checks or authorize electronic transfers and drain the victim’s bank account.

Criminals may buy a car in your name or file for bankruptcy for debt they have incurred using your personal information.· Criminals can avoid law enforcement by using a victim’s name during an arrest. When the victim does not show up to court, because they were unaware, there is a warrant issued in the victim’s name.  Protection against identity theft starts with basic, everyday tasks you can do at home.  Setting up secure passwords.  Shredding sensitive documents.  Not giving out personal information over the phone or email.  Using a credit monitoring service to keep track of your credit reports.  These are all ways that individuals can help stop identity theft from happening in the first place.

Forskolin Is Not All It’s Cracked Up To Be

Before you do anything with Forskolin, you’re going to want to read this review and see if it’s something you really want to mess with.

If you are having problems with being overweight and want to lose that weight as fast and as easy as possible then you are most likely looking for a decent supplement for weight loss. By using supplements you enhance your body’s ability to burn fat and you also get more energy in return, it makes the job easier and also faster. But you have to be careful when choosing for a supplement because in this business there are a lot of scams and there is fake publicity and things like that as you will learn from this review, which will be about Pure Forskolin Extract .

Let’s start with what Pure Forskolin Extract is. A herbal, natural supplement designed for weight loss, that is based on the root extract of forskolin from the Coleus Forskohlii plant, of the mint family.

Forskolin has been used for many years now in medicine, to treat things like heart disorders and high blood pressure because of forskolin’s ability to lower blood pressure and its influence on the muscles of the heart. So it is used to treat high blood pressure and heart disorders and it is proven to be successful in doing so, but what about weight loss? Well, this is the first time it’s been used for that and there are no proofs of it working to burn fat or being safe to be used as such. Furthermore, the fact that it lacks an ingredients list is another red flag.


The producers claim that they have evidence but it’s nowhere to be found, their claims are groundless and that is called fake publicity. Most of you probably heard about Pure Forskolin Extract from Dr. Oz’s television review, but later, he said that it’s true that sometimes his claims for certain products are groundless and lack any scientific or clinical evidence, and you can read more about that online.

I also believe that most of the feedback from users is also fake publicity since i can’t imagine so many people buying it and using it simply because Dr. Oz said it works, with no actual evidence.

Not knowing the ingredients means we can’t figure how or what provides the supplement with those effects that it claims it has. Besides the forskolin extract, there is nothing else. It is supposed to suppress the appetite, help with sleep, provide energy, enhance metabolism and also improve thermogenesis, but i at least, need some evidence to support those statements. Also be wary, if you still want to try the product out, if you are pregnant or nursing or if you are suffering from some kind of health condition or taking medication, please seek the opinion/help of

Forskolin also induces the creation of cyclic AMP (cAMP), a molecule which induces the production of the thyroid gland hormonal agent which burns up extra fat and calories. Although one can find significantly more natural and unique body fat losing components readily available, a lot of the duplicate merchandise is also existing there on the market. The research lasted 12 months.

Excess fat was decided via DEXA, an incredibly precise unwanted fat way of measuring strategy which uses x rays. Forskolin fat burner ingredients are secure. Nevertheless, the ones that proceed through these stages feel the side effects within a minimal and unnoticeable way. It induces the creation of adenylate cyclase, an enzyme that manages ATP cells to produce vitality for this reason using kept fat from the stomach. cAMP might also appears to induce the release of thyroid gland bodily hormone which aids burn up fat and calories.

The theory sounds very good but is there any evidence? It appears there are a handful of Coleus forskohlii weight loss scientific studies. This forskolin supplement is extremely beneficial to trigger the enzymes using the support of neurotransmitter plus another human hormones. As there are many different types of displays for Forskolin extract, several manufacturers dispute on the performance of some goods.

Used like a body building supplement, the chemical should certainly act as a bodily hormone enhancer, as a result raising physique expansion and exercising muscular mass. Also steer clear of any product that makes reference point to Dr Oz. Hes been getting better at declaring to avoid items that use his brand way too.

Remember as well that coleus forskohlii and forskolin reference exactly the same thing. Look for products using more than 10% garcinia cambogia extract and pure forskolin Even though preparing however mountains of investigation, and 12-week specialized medical examine. Forskolin fuel comes in Australia! This strange grow which is associated with peppermint family has cause a weight damage trend. It is 80devbqky use as a abdominal fat busting supplement is far more about calming the digestive tract to aid flatulence in issuing built-up petrol from bad bacteria” which induces the sensation of bloating, than it is about actual weight decrease.

Nevertheless, one documented unwanted effect is that it may result in petrol discharge in the completely wrong direction, which manifests as abnormal belching and acid reflux disease.
Moreover, health respective authorities strongly recommend that expecting and breastfeeding ladies should never consider caraway seed products in medical doses since it possesses a past of inducing menstruation and might create a miscarriage. This has been known to be being used since ancient times.

Thermogenesis, the metabolic approach whereby your body makes warmth, is believed to be triggered with the substances in Coli, which in turn causes about 90 % of kidney microbe infections. Forskolin Energy can also be a lot safer, when compared with other options like Ephedra pills, that happen to be really risky and might cause significant troubles.

It Gets Rid Of Obstinate Excess fat: Abdominal fat is one from the trickiest issues to get rid of. What forskolin supplement dr oz does is that it initiates producing enzymes and human hormones that are responsible for revitalizing the digestive support enzymes fully involved with burning fat. Nevertheless, for individuals who consider the dietary supplement without any switch to their diet and non-active way of living, the consequences could be constrained at best. So, it is really not difficult to acquire and get the extract.

The extract triggers secretion of adenylate cyclase enzyme, which does not only aid in dropping weight, but additionally assists increation of testosterone. This can be used nutritional supplement to minimize weight and acquire lean muscle.

Home Solar Power Is Becoming The Norm

home solar powerThe cost of power to run our homes seems to go up each year and often well above average inflation. There are a number of reasons for this we are told. For instance, privatization of many utilities companies has increased the need to make a profit. This may be part of the reason why oil, electricity and gas prices have been going up.

However, the companies themselves are at pains to point out that the real reason for increases is that the fuel used is becoming scarce. Coal, oil and gas are resources that are used by power stations to create electricity or are supplied directly to homes. All of these resources are finite and the more they get used the harder they become to find and extract. All these extra costs have to be passed on to the consumer by the utility companies.

From this perspective, people are becoming more interested in alternatives to traditional generated power for the home. One alternative that has had a long and successful history of providing making with energy is solar power. This article will cover how to run a home on solar power using the latest innovations in the solar energy field.

A popular way to run a home with solar power is to utilize the Sun’s thermal energy. Heat from the Sun can heat water. This can be used as hot water or the heat in the water can be used indirectly to provide warmth in the house.

The way this works is by exposing a metal surface to the Sun. The metal plate will absorb the heat and become hot. This process can be made more efficient if the metal surface is painted black and the areas that do not come into contact with the Sun are insulated to prevent the heat escaping.

By passing colder water past the hot plate, the heat will be transferred to the water. This would create hot water. Depending on the heat of the hot plate, this water could be used directly in the home or it could be connected to the normal hot water boiler. The solar pre-heated water can then by heated to an adequate temperature for the home. The pre-heating should save on energy used by the normal hot water boiler.

Thus a solar water heating system can save on one of the more expensive items on a normal households utility bills. One of the biggest financial advantages to installing a home solar electric system is that many state and local governments are subsidizing the installation with home solar power rebates that will often pay for the equipment entirely.  This is a huge advantage for homeowners, who can now get a quality solar system installed without paying a large sum out of pocket.

We can also utilize sunlight to create electricity. This is a more recent development in solar power technology and is known as photovoltaics. Cells made of a silicon semi-conductor react to photons in sunlight. The reaction causes an electron to be thrown loose. The flow of electrons can be controlled using an electric field. This can create a current of electricity. The more photovoltaic cells that are connected the greater the voltage and current that can be produced.

This is direct current (DC) which can be stored in batteries or converted to alternating current (AC). Using an power inverter. AC is used in homes to power lights, and most appliances that plug into wall electrical sockets.

Solar panels that you may have seen on a few roofs around your neighborhood are the practical application of photovoltaics. One panel is a group of PV cells aligned in a parallel or series configuration to increase the output of electricity. The efficiency of solar panels has improved over the years. The costs to create and install a solar panel have also reduced over the years.

Many people allow the utility company to install the solar panels or at least connect the panels to the grid. This means that the electricity that is created by your solar panel is sold to the utility company. This can save money on the electricity that you use from the utility company. This is even more the case if the state requires utility companies to buy the electricity at retail price.

The advantages of this is that the utility company will install the system and the home is still attached to the grid as a safeguard should the sun not shine or a problem occurs with one of the components of the solar power system.

The next step is to go off the grid completely. This is more responsibility for the individual and more knowledge of the system is needed. They will also need a back up energy generation system should there be any problems.

Pet Insurance Do’s & Don’ts

Where to Buy Cheap Pet Insurance

Why would you even want to have a pet insurance package for your pet in the first place? I know there are lots of pet owners out there that think that it isn’t necessary to have a pet insurance and for some of them it will definitely be true.

I know that some of them will find themselves in a situation at one point where they can’t see it any other way than to have their pet die because they couldn’t afford to pay for the proper treatment and medication.

This is not a situation that any pet owner would like to find herself in and that is why you should read the suggestions below to see whether you have though about it enough and that you still would want to live without the insurance coverage.

Buying insurance is like playing the lottery. You can’t know upfront whether you’ll win or loose but if you don’t try you’ll definitely not win. If you have a good insurance policy and your pet gets badly injured you’re most likely going to benefit economically from having signed the contract. But sometimes nothing happens and you have paid the company a fee for “nothing”.

Best Pet Insurance Companies

One of the most common reason that people take on pet insurance is that it provides them with a security. They know that if serious treatment is needed they’ll have the insurance company pay the larger part (if not all) of the bills. Huge medical bills are becoming everyday life and most people will try to avoid them.  PetInsurance.com is one of the biggest provides of pet insurance in the United States.  They offer multiple plan levels for all kinds of exotic and common household pets.

Not being able to pay the medical bills is a terrible feeling and that is the second most common reason that pet owners will sign up for a pet insurance plan. You’ll often pay a small monthly fee in return for having the pet insurance company pick of the larger bills that might come.

One of the new things we’re seeing in pet insurance plans is that it includes different types of health offers that will assist you in keeping your pet fit. Exercise programs and suggestions for good pet food are just some of it.

Pet Insurance Monthly Costs

Pet insurance is not for everyone and it never will be. The costs can range from $10/month up to several hundred dollars per month depending on how much pet insurance coverage you need and how rare the breed of your pet. Some like taking risks and they’ll sometime win and think that they made a great choice. And in the given situation they did. But if you look at all the people that took the same risks but failed you might want to ask yourself whether you want to bet your pets health on your luck?

 Where to Find Online Data Entry Jobs without Major Investment

Well, here we would have a look at the top 10 websites where you can earn good money from data entry jobs.

1- Megatypers  Being one of the popular online site, Megatypers makes it possible earn good amount of money through date entry jobs and that too without any sort of investment as well. You need to type the capthca that is displayed on the computer screen. For this you need to have a good typing speed.

2- Protypers   Being very similar to Megatypers, it also helps to make good money by typing the captcha. It is important to note that you do not have to wait to type captcha because as soon as you press enter after typing the captcha, a new captcha appears. So, it makes it possible to earn between 0.50$ to $1.50 per 1000 images.

3- Virtual Bee   Virtual Bee happens to be another data entry job that does not require any investment for it. By choosing from different data entry tasks, it makes it possible to earn good amount of money where you can find flexible hours to work. For this you need to take an evaluation test where your score must be 97 to 100 percent.

4- Captcha2cash    Another one that you can find is Captcha2cash where you can get $1 for 1500 images. Here you get your payment through payza or perfect money. You do not have to invest any amount of money to register for it thereby helping you to save your cash as well.

5-Scribie    Scribie too is free to join which is an audio transcription or typing network that makes it possible to earn good amount of money. It is possible to earn $1 for every 6 minutes of translation. This means you can earn $10 every hour which happens to be a good amount of money bringing a big smile to your face.

6- MTurk    MTurk happens to be another source that makes it possible to earn good amount of money. You can try to choose from different assignments online including writing articles, proofreading and filling up form by looking at the scanned images. It pays from 10 cents to 1 dollar and the payment also rises to even more depending on the assignments or projects.

7- Freelancer.in   Another possible source to earn good money without investment is freelancer.in where you need to register for it without having to pay any amount of money for it.  With different projects and assignments, you can try to earn good amount of money out of it without any problem at all.

8- Odesk   Odesk not only has got data entry jobs, but you can also get other assignments like writing articles, editing and so on. Without any registration fees, you can try to start earning good amount of money by completing different tasks. So, you need to make sure that you have good English typing skills for it. 9- KeyforcashAnother important source where you can get good amount of money online through data typing is keyforcash. One needs to pass an assessment test in order to qualify for different assignments. It does not involve any money for its registrations.

10- Elancer    Elancer also helps you to provide you with data entry jobs including other types of assignments as well. It makes it possible to earn good amount of money where you need to choose from the different projects available for you. There is no need to invest any amount of money to get yourself registered but you need to pass their tests in order to get projects for you.

Resolving Back Tax Debt

Ignoring back tax debt will only make the problem worse but there are several solutions available to resolve tax debt. It is important to consult with a tax professional to understand your rights and to determine which option is best for reducing or even eliminating the back taxes. Below are some options for common tax problems. Please contact our office to speak to a tax attorney, CPA, or Enrolled Agent to conclude which solution fits best for your particular situation.

Unfiled tax returns are often times the reason for tax bills or notifications from the IRS as well as the state. Some tax bills are due to mistakes made while filing a return. We will review your returns for errors and re-file them with the IRS to rectify your tax bill. Our experienced filing specialists will ensure all delinquent or questionable tax returns are error-free. We will find all allowable deductions and claims available to you. This ensures you do not pay more tax than necessary.

Wage Garnishment or Levy by the Internal Revenue Service (IRS) can be traumatic and financially crippling. The IRS is granted broad authority in regard to the collection of delinquent taxes, including levying bank accounts and garnishing wages.

Wage garnishment will typically attempt to collect 30 to 70 percent of each paycheck until the back tax debt is resolved. This can be devastating to you’re finances as well as extremely embarrassing to have happen at your place of work. Every effort should be made to resolve your tax situation before this takes place.

Bank levy allows the IRS to freeze and eventually seize an individual’s bank account in an effort to resolve an outstanding tax liability.

The IRS will send notices to alert you that a wage garnishment or bank levy is imminent. If you receive a notice of impending wage garnishment or bank levy, contact our office for immediate assistance.
Offer in Compromise is an agreement with the Internal Revenue Service to settle back taxes for an amount substantially lower than the current tax liability. However, the IRS is not obligated to accept the offer. If the IRS believes that the taxes owed can be paid by the individual, then the Offer in Compromise will be rejected. Offers will also be rejected if the amount offered is less than what is known as the Reasonable Collection Potential.

Reasonable Collection Potential is used by the IRS to assess the value of the individual’s assets and determine from these assets whether or not the individual has the ability to pay their tax liabilities. In cases where the IRS determines the individual does not have the means to pay their tax bill, a successful Offer in Compromise can be reached. This will provide the individual with a clean slate in regard to tax liabilities.

Filing for an Offer in Compromise can be complicated, and requirements are strict. More than half of the Offers in Compromise submitted to the IRS are not accepted. Thus, it is important to work with an attorney, CPA, or Enrolled Agent that can guide you throughout this process and ensure your case is properly presented.

Payment Plans can lower your overall tax burden as well as allow you to pay off outstanding tax debt over time. The way in which a Payment Plan is established with the IRS will depend on the amount of back taxes owed. Those with greater debt will be required to take additional steps in the payment plan process.

Not all Payment Plans require full repayment of the tax debt. A Partial Payment Installment Agreement, for example, ensures that the statute of limitations will expire before the debt is fully repaid. In effect, this Payment Plan lowers the total amount paid to the IRS. A Payment Plan such as this may be ideal for those individuals unable to procure enough financial resources for a lump-sum payment.
Non-Collectible Status is for individuals that lack the financial resources to pay their outstanding tax liabilities. Achieving a Non-Collectible Status with the Internal Revenue Service (IRS) can be extremely beneficial. In order to be eligible for Non-Collectible Status, individuals must provide the IRS with certain financial information. This financial information must prove to the IRS that the individual does not have any surplus income after paying their necessary monthly living expenses. They must also prove they have no additional assets. Evidence used to establish Non-Collectible Status includes financial statements, bank records, and other such materials. While this does not eliminate your tax debt, it will stop collection efforts. However, it is quite common for these tax accounts to remain in Non-Collectible Status until the statute of limitations expires, thereby eliminating the tax debt.

Elimination of Tax Debt can be achieved through a Chapter 7 or Chapter 13 bankruptcy. In order to be eligible for this type of tax debt discharge, individuals must meet certain requirements.
One of the major requirements is that the tax debt must have existed at least 2 years prior to the date of the bankruptcy petition. Furthermore, the IRS must have been aware of this debt prior to the filing of the bankruptcy petition.

Evidence of accurate and truthful tax returns for the 4 years preceding the bankruptcy filing is also required. If copies of financial documents such as current tax returns are requested, individuals must comply with these requests. This process can be quite complex, and navigating this process can be troublesome. Therefore, individuals are encouraged to seek the advice of a skilled tax attorney in the Los Angeles area, CPA, or Enrolled Agent for help with elimination of tax debt through bankruptcy.

Before choosing a particular method of tax debt relief, please speak with one of our senior tax analysts. Resolving tax debt can be very complex and solutions are not always clear and evident. Tax issues require a thorough analysis before selecting a plan of action. Our staff has the experience and knowledge necessary to help you determine which option is the best for you and your particular situation.