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5 Tips to keep your organization safe from employee fraudThere are many different types of con artist crimes that you may encounter, including telephone, identity, internet, insurance, and credit card fraud. Identity theft seems to be the most common of these scams. With identity theft, con artists will wrongfully obtain personal information and will use it for financial gain. Your identity can be stolen from any source that has access to your personal information, such as a credit card number, social security number, address, age, date of birth, or employment history.

There are many ways for individuals to cut down on their chances of being a victim of fraud. Always shred any papers that have personal information, including ATM receipts and credit card receipts. It’s often much more difficult for businesses, because of their large size. Business solutions are much more complex.


Combating Fraud

If you are a victim of identity theft or another type of fraud, you should report your situation to authorities immediately. Authorities will need to see copies of all possible evidence and take a statement from you in order to investigate your case. There are ways that you can prevent identity theft and other crimes from occurring. You should be careful about giving out any personal information and you should check all financial records on a regular basis.

Banks and other financial institutions have taken drastic steps in fighting fraud, money laundering, identity theft, and terrorism. Since September 11, 2001, new mandates for fighting terrorism have been enforced. Financial institutions are now required to screen all applicants for new accounts and compare their names to government watch lists to ensure greater levels of national security. Many institutions use software programs to help them in this process.


Fraud Protection

Fraud Epidemic Costs £3.2 Trillion GloballyFraud protection is an important consideration for businesses, financial institutions, and for individuals. There has been a steady increase of fraudulent activity over the years and many new services are available to help prevent fraud from occurring. These services are primarily designed to help businesses or financial institutions to verify identities of potential clients.


Fraud Protection Options

If you are worried about fraud on an individual basis, there are a few important steps that you can take. First of all, you should make sure to check financial statements on a regular basis. You can look at your bank statements or view a copy of your credit report to search for any suspicious behavior. You should also make sure to be stingy in giving out any personal information such as your social security number or bank account number.

Financial institutions are required to use fraud protection methods by law. The USA PATRIOT Act was established in 2001 to prevent future cases of fraud and terrorism. Sections 314 and 326 specifically pertain to financial institutions and fraud. These sections require that institutions check government watch lists and screen all account applicants before opening any new accounts.

Financial institutions and businesses now have the option of obtaining fraud protection services to aid them in complying with the USA PATRIOT Act. Some of the most valuable services will include background watches and ID verification technology. All of these services make screening applicants an easy and efficient process.

Low Rate Credit Cards

Low rate credit cards - CommBank

When a credit card company loans a cardholder an amount of money, it keeps track of the amount that needs to be paid back. Since a company would make no money by simply lending and collecting, credit cards charge interest on the purchases made with the card.

Different cards have different interest rates, and these are referred to as the APR–Annual Percentage Rate.

The APR on a credit card will depend on a number of factors. The most important is your credit. Since people with good credit can have their choice of creditors, very low APR rates are reserved for those with outstanding credit. A scale increases APR in relation to the credit of the applicant, so that someone with average credit will have a slightly higher APR than someone with good credit, and so forth.


Getting the Best APR You Can

Another important factor in determining the APR on your credit card is the company that is issuing it. Credit card companies are competing against each other for business, and a sure way to draw more clients is to offer competitive interest rates. Even without perfect credit, you can get a good APR from a company that wants your business.

One thing to watch out for is a card with a low “introductory” APR. These cards offer a very low APR for the first few months, but then hike up the rates. Oftentimes, the established APR is hidden in the fine print, so make sure your APR is good for more than a few months before accepting a card.

Cheap Anonymous Merchant Accounts

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In an increasingly plastic-focused business environment, cheap anonymous merchant accounts can be invaluable. Time was, most small businesses could get by on cash and checks. But those days are long gone, and smart business owners will take advantage of the best new credit card solutions available.

Happily, those solutions are easier to find and implement than ever. Thanks to the small-business focus of a few of the top merchant account providers in the industry, businesses of any size can now take plastic like the biggest game in town. With fewer Americans even carrying cash than ever before, that is more than a luxury; it is a necessity.


Secure, Cheap Anonymous Merchant Accounts

Of course, even the most effective cheap anonymous merchant accounts would be worth little without proper fraud protection. Fortunately, the top merchant account providers make security their primary focus. From pre-authorization fraud screening to two separate levels of authorizational screening, savvy small businesses can now enjoy the same security advantages previously relegated to their wealthier competitors.

With so much on the line, the time to consider embracing new credit card technology is now. We encourage you to peruse our educational links, and to do as much independent research as you can. And then we encourage you to make a confident decision that makes sense for you and the future of your business.


Travel Like a Human with Airbnb

2008 2014 Travel like a

Looking to travel and want to find a unique place to stay? This new travel app helps you find a place to stay from “real people” and travel like a human.

Airbnb, the latest travel application that is guaranteed to change the way you travel, has just been launched into the world and is predicted to help millions of people save money and find unique places to stay. This San-Fransciso based company was founded by three young creative geniuses: Nathan Blecharczyk, Brian Chesky, and Joe Gebbia, who all shared the same vision: “to travel like a human.” You can also consider listing your property here, you can buy AirBNB reviews to get higher rankings on the searches.

Airbnb, which stands for “bed and breakfast” captured the slogan “travel like a human” and launched their company to the world. In just over one year, the website already has thousands of listings from “real people” in over 10600 cities in 178 countries. With their catchy slogans, sleek website design and user-friendly booking system, it is predicted that AirBNB will rapidly populate the entire global market.

Airbnb has already been recognized by major media sources, such as CNN, The New York Times, The Washington Post, USA Today, and many others, all of whom have given two thumb’s up to this great new start-up. The founders have received worldwide acclaim and numerous awards for their ingenuity in both their vision and in the implementation of their vision. In only a few steps, you can find the perfect home, owned by a “real person” and book it securely without any hassle.

The Social Networking Secret

There is a definite secret to the success of Airbnb. The secret is social networking. The founders have linked their website to the globally popular social networking site called “Facebook” and instantly, they established a reputable system that links all users into a global community of friends. The founders have also created a user-friendly I-Phone application that enables mobile users to find and book a place to stay while traveling around.

Florida Home Loans

Florida Home Loans – Florida Home Mortgage Loans

Florida is an immensely popular place to retire, especially southern Florida. It’s warm, sunny and surrounded by white beaches and the ocean. What more could you ask for? Perhaps you are looking to retire. Perhaps you are buying your first home. Whatever the reason, if you are moving to a new area, there are some things for you to think about.


What’s Important to You

When moving somewhere unfamiliar, you’ll not only want to look at houses, but you’ll want to inspect the neighborhood as well. If you have children, find out about the local schools. A good real estate agent will not only be able to show you homes that are appropriate for you but should be able to tell you about local schools, doctors, grocery stores and community activities.

In addition, a good real estate agent can probably point you in the right direction of a mortgage company. It’s important that you check out several lenders. You’ll want to compare fees, interest rates and the general feeling you get from the company and the people who work there. You’re excited about getting a new home. It’s nice when your mortgage lender shares that excitement.

The law requires mortgage brokers to make you aware of any and all interest rates and fees before you even apply for a loan. You shouldn’t have to pay any of them until you have received your loan. Before you apply, get some basic information from the company in writing. Know how long they have been in business, their possible sources of money, a complete description of services they offer and the number of successful contracts in the last year.

Top Mother’s Day Gifts for Mothers Ages 25 to 30

Mother's Day 2021: 10 Ways to Celebrate Mom from A Distance | The Old  Farmer's Almanac

With Mother’s day around the corner, kids and dads will be looking for excellent choices of gifts. Finding the special gift for mother depends on the age of the mother. This article reviews the top Mother’s Day gifts for mothers ages 25 to 30.

To find the top Mother’s Day gifts for mothers ages 25 to 30 years old, Dad is going to have to help the kids make choices. Think about what she likes, what her favorite things are, and what she has mentioned that she doesn’t have.

The demographic groups of young mothers ages 25 to 30 are quite fashionable, and trendy and will always appreciate nice clothes, designer bags, and electronics. They are either students or are making their mark in the workplace. One of the most appreciated top Mother’s Day gifts for mother’s ages 25 to 30 years is a new colorful laptop. Sony Vaio offers many models that come in a plethora of fashionable colors. Not only will she enjoy surfing the Web but this newly acquired tool will also free up the home PC for the family. Another top Mother’s Day gift idea in the electronics area is an Ipod for mom’s work out time. She can also enjoy her favorite music in her car on the way to work.

If the young mother has been wanting to up her physical fitness level but hasn’t had the time due to family or school demands, what better gift to give than an annual gym membership for the young mother to utilize. We’ve all heard about the gift that keeps on giving, a gym membership is truly indicative of that type of gift.

If you want to go with something more personal and you know exactly what kind of clothes she likes, go out on a limb and buy her a complete outfit. This includes a suit, shoes, bag, and matching jewelry. Not only will she love it, she may even wear it to church on Mother’s Day.

To truly find the top Mother’s Day gifts for mother’s ages 25 to 30 years old, think about giving her something she has wanted, but hasn’t been able to give herself due to either time constraints or budget. What about a weekend or a day at the spa? Every woman loves being treated to either a Day Spa or a Spa Package. These can be purchased as a gift for her along, or turned into a Spa Weekend for a couple.

More importantly when looking for the top Mother’s Day gifts for mothers ages 25 to 30, consider her hobbies, likes, and dislikes, and things that she needs and wants, and make an attempt at making her dream come true for that special day of the year.

Alternative Financing

What is 'alternative' finance? | Business CornwallIf you are a small business owner on the hunt for alternative financing vehicles, your timing is impeccable. For years, of course, few small businesses had the collateral or credit history to qualify for traditional bank loans offering favorable terms. And among that subset of businesses that did qualify, an even smaller number could comfortably make their monthly payments with consistency in a tumultuous economy.

In the last few years, however, a remarkable alternative financing solution has emerged. The central innovation of this new solution is that repayment is based not upon strict monthly payments, but upon a set percentage of monthly income. As such, small business owners who avail themselves of such alternative loans obtain not only the working capital they need, but also the confidence that comes from knowing that they will be able to comfortably repay that capital–in good times and bad.


The Speed of Alternative Financing

While small business owners need infusions of operating capital for a wide variety of reasons, such needs typically share in common an element of time sensitivity. Whether you are looking to expand, meet unexpected expenses, or even buy out a partner, the likelihood is that time is of the essence. Fortunately, the premier alternative financing solutions can provide you with substantial lump sums of cash in as little as ten workdays.

The pace of today’s small business economy is relentless. Companies that do not have secure, reliable sources of operating capital with which to stay afloat in stormy economic weather risk going under. Now that next-generation financing solutions are so easily found, there is simply no reason to take that chance.

Where to Find Luxury MN Real Estate

Luxury communities are in high-demand for MN real estate. We list a number of properties from the 500s through the millions on our Minnesota MLS because we’re well aware of the excellent stock of jobs the state has to offer. We recognize that we’re blessed with Fortune 500 companies like United Health Group, Target, General Mills, Medtronic, U.S. Bancorp, Best Buy, Hormel Foods, St. Jude Medical, Valspar, Regis, Land O’ Lakes, Mosaic, Polaris Industries, Alliant Tech Systems and many other highly-skilled professional positions. Lots of high-powered executives, well-paid professionals and talented dual income families are looking for MN real estate that speaks to their tastes and also represents the lifestyles they’ve worked so hard to achieve. The luxury communities listed on our Minnesota MLS are close to business centers, top-notch schools, highly educated neighbors and ample amenities.

North Oaks MN real estate is a northern suburb of Saint Paul, Minnesota. Structured around Pleasant Lake, homeowners enjoy access to fresh water, hiking trails and natural beauty. Residential roads are for locals’ use only and all property is owned by the 4,500 residents – none by the city itself. Most of the houses here are in the $721,000 – $1.3 million range and are established properties built from 1970 – 1994. A whopping 96.89% of the workforce in North Oaks is employed in white-collar jobs. Sales professionals, managers, health care workers and office workers make up a huge percentage of the population. Approximately 8% of the people here are self-employed and telecommute to work, which is a relatively high percentage compared to the rest of the country.

Edina MN real estate, a first ring southwest suburb of Minneapolis, has several luxury communities listed in the Minnesota MLS. For instance, the Gleason Road / McCauley Trail community near Braemar Golf Course offers nearly a third of its real estate in the $1 million + range. Most of the three and four bedroom houses were built in the forties, fifties and sixties. Also, the 50th Street / South France Avenue community offers historic Victorians from $500,000 – over $1.8 million. In 1999, the median household income in Edina was $66,019, compared to $37,974 for neighboring Minneapolis and $47,111 for the state of Minnesota in general. Edina has been home to notable billionaires like Richard M. Schulze, chairman and founder of Best Buy, and the late Carl Pohlad, former owner of the Minnesota Twins baseball franchise.

Minneapolis, Duluth, Plymouth and Eden Prairie are other popular Minnesota MLS searches for homeowners interested in luxury MN real estate.

What Do You Need To Know About Sale And Purchase Agreement?

SPA or ‘Sale and Purchasing Agreement’ in full is a contract that ensures the buyer to make purchase and seller to sell its services or product. This contract is widely found in businesses but real estate deals use this paperwork as a legal contract before the deal is made. Since it is well related to real estate purchasing, here are some advices for you to use this agreement in buying a house.

The format of this agreement should show the names of both the buyer and seller. If names are shown then this is not a valid agreement. Some people have similar name but they are differentiated with social security number. Besides that, the agreement should outline all the agreed terms and condition in obtaining the property with the property’s address and relevant details are shown as well.

Furthermore, you must ensure that the Sale and Purchasing Agreement includes the financial details. The sum of money that you are going to pay for the property should be broken down in detail. For example, it should state the actual cost of the house, the lawyer fees required for the ownership transfer and so on.

Next, the terms and condition agreed by both seller and buyer should be listed down specifically. This is to make sure that no misunderstanding or misleading fact to occur during the deal in the future. Sometimes agents are tricky and they can just twist and turn the facts if the agreement is not written down properly. Do not hesitate to do this before making any transaction, as you may just lose your money for no reason.

Lastly, be sure of what you are paying in the agreement. If nothing is listed down, the seller can just push all the other fees like processing fee and legal fee to you. Hence, you should always clarify with the seller before signing the contract.