Identity Theft Shocking Statistics

Identity theft is one of the fastest growing crimes in America today. Well over 200 million personal data records were lost or exposed in the United States just in the last two years, and the problem keeps growing. Every four seconds someone’s identity is stolen. For all we know your personal information may have already been compromised. It’s just that this stolen data which contains your personal information hasn’t been “activated” yet by the identity thieves. But it’s only a matter of time before it gets used..

Consider These Staggering Statistics:

* Identity theft hits 1 in 4 US households
* Over 79 million identities stolen in the past 12 months & 3 million social security numbers illegally traded online
* Over $52 Billion in damages to individuals & businesses
* Identity thieves open credit card accounts, cell phone accounts, utility accounts, bank accounts, and apartment rentals.
* Identity theft victims fail to discover any problems until 12 months after their identities are used by thieves.
* Identity theft victims who detected the crime by monitoring their accounts had average loses of $551. Those who relied on monitoring paper statements had average loses of $4,543.
* Recently more than 55 million Americans were put at risk by security breaches, leaving them vulnerable to identity theft. And that was a very conservative estimate. Some of the “famous” big breaches are often reported in the news, but many “smaller” breaches don’t get reported on the news.

How Do Identity Thieves Steal Your Information?

Identity theft can occur in a variety of ways. Thieves can steal your social security or credit card numbers, then change the address on your bills. They then use your information to impersonate you, buying or renting products or using your personal information to commit criminal acts. Most damaging of all, you often don’t know you’re a victim of this federal crime until months later, when you are unexpectedly turned down for a loan or get a call from a collection agency about an account you never opened. You might even get a call from the police about a crime you didn’t commit. Once identity theft happens to you, it can take many months and thousands of dollars to restore your credit.

Identity Thieves Will:

* Go through your mail or trash, looking for bank and credit card statements, pre-approved credit offers, and tax information.
* Steal personal information from your wallet or purse such as identification cards, credit cards, or bank cards.
* Fill out change-of-address forms to redirect your mail.
* Acquire personal information you share on unsecured sites on the Internet.
* Buy personal information about you from an inside source. A store employee gets your information from a credit application or by skimming your credit card information when you make a purchase.
* Obtain your personnel records at work.

How Is Your Personal Information Used By ID Thieves?

* They open new credit card accounts using your name, date of birth, and Social Security Number. When they use the credit cards and don’t pay the bills, the delinquency may be reported on your credit report.
* They establish phone or cellular service in your name.
* They open a bank account in your name and write bad checks on the account.
* They counterfeit checks or debit cards, and drain your bank account.
* They buy cars by taking out auto loans in your name.
* They call your credit card issuer and, pretend to be you, changing the address on the account. Bills get sent to the new address, so you may not realize there’s a problem until you check your freeannualcreditreport (freescorereportgov.com).
* They file for bankruptcy using your name to avoid paying debts they’ve incurred under your name.

People Are Turning To Credit Monitoring Services Again In Droves

Considering how identity thieves steal and use your personal information and how difficult it is to stop it, many individuals and organizations are turning to credit monitoring services and for good reason:

*Quick Detection of Credit Fraud: Identity theft victims who relied on monitoring paper statements had average loses of $4,543. As mentioned early on, most id theft victims won’t even know they’ve been victimized until several months to an year later. Yet those who used credit monitoring services were quickly alerted to such fraudulent activity at 1/10 that amount ($551). (And even that smaller amount was quickly recovered via the credit monitoring service’s ID Theft Insurance policy!).

* Insurance Protection & Speedy Financial Reimbursements: Any losses incurred if you become a victim is covered thru the credit monitoring service with their Identity Theft Insurance Policy, often to the tune of $25,000, $50,000 or more to help you clean up the mess that an identity thief might cause. With investigators and case managers called upon to aid you with your recovery. This is something you won’t easily muster on your own unless you want to spend several thousands for that privilege, not to mention the daunting time & effort filing theft reports, etc.

But Aren’t Credit Monitoring Services Just A Big Scam?

No, not at all. But what I think these services shouldn’t have done was to overly promote “the sizzle before the steak” to market their services. The “sizzle” was the ‘free credit scores’ you’ve get if you tried them out. It gave some people a bad aftertaste. But IMHO such marketing tactics aren’t really necessary anymore, especially in this day and age when identity theft has become rampant. All they really need to do today is to lay out their features and benefits in plain sight (i.e. the ‘Steak’). The quick fraud detection + an insurance policy for any financial losses + the powerful assistance to help restore your good name and credit standing, etc. People will definitely see the value in what they have to offer. In fact they ARE seeing the real value (the “Steak”) which explains why there’s this rush right now to sign up with these services. 😉

But I Can Monitor My Credit On My Own..Right?

Hmmm…really? I think that’s one of the biggest myths that gets thrown around by alot of these so-called credit “experts”. Right now you’re only able to access your credit report for free once per year. (Coincides with how victims of identity theft didn’t realize they were victimized for over 12 months…). And sure, you can monitor your EXISTING credit cards, bank accounts, etc, online. But identity thieves usually open up new accounts. Accounts that you never knew existed until you’ve realized you became a victim of identity theft…12 months later.

So Which Credit Monitoring Service Should I Try?

There’s quite a few out there. But the one’s we’re currently recommending are always listed here: Credit Monitoring Comparison Chart.

*original article courtesy of FreeScoreReportGov.com.

How To View Your Credit Score For Free

repost from behance

In trying to secure a loan, credit or service, your creditworthiness is being evaluated. And this is usually done by looking at your credit score. IF you don’t have any idea on Credit Score, let’s have a look.

What is a “credit report”?

Credit report is the record of your credit history with information about your identity, your current credits, inquiries on you and your public record. There are three credit bureaus – Equifax, Experian or TransUnion – that collect information about your credits, standing and even your public records. These three credit bureaus are the ones making credit report of your credit history and calculating your credit score.

Credit report is essential for lenders and other kind of companies to determine whether to grant your loan, give you credit, hire you or provide services for you.

You can see your credit report once in twelve months for free. Only, credit report does not show your credit score.

What is a “credit score”?

Credit score speaks of your credit history and helps lenders to determine whether or not to grant you credit, what are the terms and the rate you will be required to pay in case you are given the credit.

Your credit score would be calculated using the following information:

· Your accounts such as credit cards, mortgages, loans;
· The status of your account ad how long it has been existing;
· Your outstanding debts;
· If you are paying your bills promptly; and
· If there are any collections pending against you.

How to get your credit score?

Sometimes, when you are trying to secure a loan, the lender will tell you your credit score for free. But generally, if you want to know your credit score, you will have to purchase it from the three credit bureaus.

But there is another way to view your credit score for free. If you want to see your free credit score gov, check out this website for freeannualcreditreport and free credit report gov. They have recommended several services on free credit score gov. There are tons of free trial offers in the internet to get your free credit score, but they have given the Top Free Credit Score Offers.

Check your credit score beforehand so you know what to expect more or less when you applied for a loan or for a service. And you can have it free thru the Free Credit Score Offers in the said website.

Free Credit Report Gov

Free Credit Report Gov

Free Credit Report Gov

Every 12 months you can request a free copy of your three credit reports per the Fair and Accurate Transaction Act (FACT). These reports are provided by Equifax, Experian, and Trans Union.

Keep in mind that requesting your free annual reports will not give you your credit scores. To access your credit scores you can pay an additional fee to each credit bureau or to a credit monitoring agency that can do monthly monitoring of your credit and provide you will your scores in addition to your reports.

How To Request A Free Credit Report Gov

  • Annually—you can access your free annual reports through one of these three methods:
    • By Phone: You can call Annual Credit Report Service at 1-877-322-8228.
    • By Mail: You can download and mail in a Annual Credit Report Request Form to:

Annual Credit Report Request Service
PO BOX 105281
ATLANTA GA 30348-5281

When you request to receive your free annual credit reports, be prepared to provide personal information such as your current lines of credit, dates of past lines of credit, social security number, current employer, or your past and present address.

If you request your reports online you will receive them instantly, if you request via phone or mail you will receive them within 15 days.

Is There Any Other Time That You Can Request a Free Credit Report Gov?

Yes, there are circumstances that arise that allow you to request free credit reports under FCRA regulations. Some of these circumstances are:

  • If you have been turned down for a line of credit, received an “Adverse Notice”, or received a collection notice that your credit rating may be adversely affected, you have 60 days from the denial or notification to request a free copy of your credit reports.
  • If you have placed a Fraud Alert on your credit file you can request a free copy of your credit reports. You can place a Fraud Alert on your account when you suspect someone has gained access to your personal information, such as having your purse or wallet stolen. The Fraud Alert will be active on your account for 90, or longer if you call to extend. You can call each bureau directly to place a Fraud Alert on your credit file or go to:

http://www.consumer.ftc.gov/features/feature-0014-identity-theft.

  • If you have any of these changes occur you can also request an additional free reports:
    • Are recently unemployed and would like to check your credit reports to assess what information potential employers may see. Employers cannot access your credit files without your written consent.
    • Have been placed on welfare.
    • Have reason to believe that some type of inaccurate information or fraud has been added to your credit files.

What If I Don’t Qualify For a Free Credit Report Gov

Anybody who has received his or her free credit report Gov (freescorereportgov.com) for the year, but would still like to check the credit files can for a small fee. You can do this by:

  • Signing up with a credit monitoring agency that, for a monthly fee, will give you your updated credit scores, credit reports, and alert you of any changes to your credit files.
  • Contact each for the credit bureaus individually and pay a small fee to each for your reports. You can reach each of the bureaus at:

Monitoring your credit files on a regular basis is key in maintaining healthy credit scores and assisting in early detection of Identity Theft and fraud.

Free Annual Credit Report Gov

Free Annual Credit Report Gov

Free Annual Credit Report gov

There are not too many things in life that are free, but getting a free annual credit report is one of them. Good credit is essential to obtain the credit you will need throughout your lifetime. In today’s troublesome economic climate, it is next to impossible to buy a home or even get one refinanced without a good credit score. So, what is a credit score? A credit score is a compilation of a set of statistics that show a great deal about your credit status and how you have handled your credit over a period of years, months or days.

A credit score can tell lenders a great deal;

  • How much credit you have
  • How late you may have been on your payments
  • If you have missed any payments over the past year
  • Any negative reports from creditors
  • Any tax liens or court judgments for payment

Free Report

Once per year, anyone should be able to obtain a free copy of their credit report simply by requesting access to the information. One of the most common occurrences regarding a credit report is that not too many of us really think about our credit and how it may impact our lives until we learn that we are having to pay a much higher interest rate than we thought. It is then time to obtain a copy of your credit report and one way is to get a free annual credit report gov, from any one of the top three credit reporting bureaus. These three are;

  • Equifax: 1-800-685-1111
  • Transunion: 1-800-888-4213
  • Experian: 1-888-397-3742

All reports from lenders get logged into at least one of these big three credit reporting bureaus Many lenders will check the credit from all three, although some lenders prefer to do most of their business with one credit bureau, as they understandably develop excellent working conditions with the employees at that bureau. Each one of these credit bureaus can have a different score than the other, although most of the time all three scores are similar.

Getting a copy of your free annual credit report gov (freescorereportgov.com) is something that is free at least once per year in most cases. All one needs to do is to select which one of the three credit bureaus you want and request the information. After your get your free credit report, you can spend some time looking it over for errors. It is not uncommon for there to be errors on your report that is being reported to lenders. These errors can keep you from getting the loan that you need. Go over your report very carefully.

Anything that you do not agree with can be appealed or disputed. Disputes can be done quite easily. If you tell the credit bureau that something is wrong on your report they will conduct an investigation and the problem may be removed. Some people’s names are very similar and this is sometimes where the confusion lies. Another person’s history gets mixed up with yours and the report is inaccurate.

Make sure that you go into good enough detail so that the credit bureau can do a thorough check on your behalf. Getting this free annual credit report gov is one of the best ways to make sure that your credit stays in good shape, so that all of your future credit needs can be taken care of. This is vital in all phases of our lives, if we want to purchase or renovate our homes, take an expensive trip, or to open your own business. It is so important to keep on top of what your report is telling other people.

Dubstep Musical Mastering – Part 1

I’ll present a ‘ground up’ training of learning methods that can be placed on dubstep, and a genuine world example inside final component. This way is preferable to giving you countless real world examples because you find yourself with a genuine understanding of for you to EQ and compress things in a specific method, not just copy a formula that may fail you.

Perfect your mix.

Do not think mastering will be a magic solution that may cure all your defects. You ought to ensure you get your dubstep blend sounding as near to perfect as you possibly can before also considering mastering. Ensuring you have got your sounds well-separated, with great slight EQ and 3D sound stage placement (using pan, and reverb etc). When you feel you cannot do any longer with the resources readily available you really need to then turn-to the tricks of mastering such as for instance multi-band compression, linear stage EQ and solid brick wall restricting.

Don’t learn ‘in the combine’.

Even believed it is extremely attractive to add some nice EQ and compression in the master production when you are nevertheless making / combining the track, it’s highly recommended which you hold back until you have got done until using these processes. You’ll usually get a significantly better final dubstep track at the conclusion. Of course its OK to evaluate harsh mixes with master EQ / comp, but constantly bounce the finished find ‘dry’ and also make a backup copy before you begin mastering.

Get some good human anatomy else to get it done.

The most essential things a professional dubstep mastering professional may bring, is a brand new group of ears. You’ve probably heard your track a hundred or so times and now have become accustomed to its defects, its therefor suggested to outsource this last part of the procedure. There are lots of on-line solution that provide songs for around 30.00 (2009). If that is certainly not a choice, you can constantly ask a buddy.

Less is more.

Each time you use a dubstep mastering process you’re risking degrading the quality of the audio, also merely adding ‘normalization’ or gain change can add small undesired artifacts into the file. So constantly prepare your processes and try and make use of as few as feasible. Therefore as opposed to normalizing in the beginning and at the conclusion, only do so when at the conclusion etc.

Meet load of producers of dubstep speak about dubstep and get dubstep guidelines at our dubstep discussion board

More Equifax Articles

Points to ponder to locate an avowed general public accountant

Do you really operate a company of your very own? Really should this be the case you will need certainly to find a certified public accountant for your company who are able to deal with the whole publications of records of company along with promoting appropriate tax assessment. An accountant is a critical an element of the company so you will have to be very much careful in connection with choice of this person. There are specific items that you will have to make certain when you find a certified community accountant for the company accounts.

An accountant is a person that handles your deals, earnings and taxation procedures. And that means you must be greatly transparent before him along with your incomes and procedures. For this purpose you are going to need to ensure just a trusted accountant is appointed by you who are capable of not disclosing your secrets to the competition. Consequently dependability could be the very first requirements that you’ll have to look out for in an accountant.

Next when you look for a professional community accountant you will have to be really cautious that the accountant is not only licensed but have a very good reputation and academic qualification. This is the biggest expression of the sincerity and mannerism in an accountant. Great educational certification can make an individual dignified sufficient into the culture and will help him make a good impression on others. It is very important to keep up correct dignity in the field of accountancy.

Aside from this you will need to ensure the accountant you are planning to hire should not have bad or unlawful documents in past times. Handling of this publications of records of a company to some one is a rather big thing. And if anyone has actually a negative last record inside the industry there are large chances which he can fuss with your work also. Such folks are never reliable. So that you must be greatly careful because of the past for the accountant when you are in the market to locate a certified accountant.

Watch out for their particular various other customers. The smartest thing that can be done is always to look out for these types of an accountant who’s currently dealing with accounts of a few of the huge businesses or these types of organizations whom you know very well but make sure that they may not be your competitors in almost any field.

At Sunshine providers Inc you can get most useful Naperville cpa solutions. Go for their particular unbeatable Naperville bookkeeping, certified community accountant, Naperville taxes and Naperville tax return services today.

 

Auto Finance Leads: Tricks On Dealer Leasing

Too often, when it comes to car leasing, people are thrown by the many expressions and jargon words which dazzled the way to the final payment through the nose with regard to a dealer with their own decisions. Here is a summary of some distributors who use tricks to inflate their profits and leave the customers shelling hundreds of dollars more than the contract should be paying.

Leasing is always better than to buy.
Dealers use the lure of lower monthly payments to entice customers’ long-term loans with maturities of five years or more to make payments even lower. There are two shots with the long-term contracts: higher mileage that exceeds the limit values and high repair costs. With leasing store an average of 10 to 20 cents per mile for each additional mile above the level of contract and warranties for three years, you are responsible for serious mileage and excessive wear.

Reduced by 2.3% in APR on the lease.
The dealer did not mention the interest rate paid on your lease, it is rather to the factor rents. If a similar rate of interest and important in determining your monthly payment, a more accurate rate is calculated by multiplying the money factor 24. For example, cheap money is a factor of 3% 24 X 0.003 = 7.2%. This gives a better idea of what your yearly interest rate of your contract.

Early termination of the lease without stress.
Dealers know consumer driving needs change and they want to be able to get out of a rental agreement of the road before their leases expire. The truth is that if you sign a lease, you are really struggling with monthly payments for the remaining term of the lease, and there is little room for early elections. Leases include severe financial penalties for violations of monthly payments or terminate the contract before the scheduled time.

During your lease, and you expected to honour your monthly payment obligations. Any failure to do so will result in late-payment charges. You have to pay any traffic tickets, emission and safety inspections and ongoing maintenance costs. Ending your lease early will result in substantial early termination charges.

At the end of the lease, expect to pay any excess mileage costs, charged at 10 to 20 p a mile. Any incidental damage done to the car, and deemed tobe above normal, will result in excess tear-and-wear charges. Finally, if you choose not to purchase the vehicle, then you have to pay a disposition fee.

To avoid being on the receiving end of these towers has tried-and-true, you learn about the rental. Get off at practice and gritty understand what the rental terms used by dealers mean. Crunch the numbers with him and understand how they arrived at the figure of monthly payments. Do not sign anything until you understand all terms and your numbers much those of the dealer. Do not let the dealer pressure you into signing, you’re the only one to determine if the agreement is good for you.

Mike is an expert in business lead generation and the owner of Global Matrix Leads, a lead generation company, lead broker, and global & geo lead specialist. Subscribe to his website: to get free lead generation courses and learn the secret of telemarketing leads generation.

Find More Auto Financing Articles

How High is Your Team’s Emotional Intelligence (EQ)?

What is Emotional Intelligence (EQ) and How it Contributes to Success

Emotional Intelligence (EQ) is usually described in terms that apply to individuals. It describes how well someone is able to recognize, manage, and use their own emotions effectively. High EQ is essential to managing your own behavior effectively and to build and maintain strong interpersonal relationships with others.

EQ not only applies to individuals, but also to teams, groups, and even entire organizations. While most people know what high EQ looks like in a person, there are also clear signs that can help you to recognize the functioning EQ level of your own work group, team, and even your entire organization.

How High EQ in Teams & Groups Yields Increased Performance

High EQ teams are easy to spot because they demonstrate high levels of interpersonal competency across a wide range of day-to-day interactions. These are groups that work together to create high levels of trust, leverage conflict to produce good decisions, and hold each other accountable to produce and deliver outstanding results.

High EQ team members are not “divas” or “lone wolves.” They are equally committed to each team member’s success as much as they are to their own. They recognize that team members are interdependent upon each other for success. One of the clearest signs of a high EQ group is that tough issues get surfaced and resolved.

Conflict is seen as an ordinary and necessary part of problem solving. Important issues are passionately debated and discussed, but there are clear ground rules in place to contain any untoward emotional outbursts or personal attacks. Instead, honest dialogue and debate is used to address important issues.

High EQ teams also display a clear sense of commitment that leads to an alignment that focuses on achieving goals and outcomes. If team members do get sidetracked or derailed then other team members use accountability to get the stray member back on track or they surface the issue to the rest of the team or to leadership for an intervention. But, they do not let status and ego get in the way of teams delivering results.

High EQ Signs in Groups, Teams, and Organizations

* Team members trust each other enough to openly talk about their own strengths and weaknesses.

* Honest conflict is viewed as necessary and even desirable for effective decision-making.

* Passionate debate and discussion is used to generate alternative ideas and approaches so that the best course of action can be chosen from those created during open debate and dialogue.

* Senior organizational leaders are self-aware of their own power and influence and use appropriate self-control to regulate their own emotions as to have optimal communication with others. For example, they may wait to speak last at a meeting so that their comments do not stifle a more thorough and open discussion.

* Supervisors and managers demonstrate high levels of integrity and are trusted even though others may sometimes disagree with them about specific actions or decisions.

* Negative feedback is not avoided, but it is delivered to members in a way that preserves their professional pride and self-esteem as to assure continued employee engagement and positive motivation.

* The process used to achieve the outcome is as equally important as the outcome itself. Producing high results through unacceptable behavior does not meet the expected standard. The ends do not justify the means.

* Members can readily accept responsibility for their actions and they understand how their behavior, decisions, and reactions will resonate across other team members.

* Team members establish clear down ground rules for unacceptable behavior and the standards are well known to all. For example, problem solving is focused on learning from mistakes and not just assigning blame.

* Team members hold each other accountable, confront unacceptable behavior, and share credit for team success and achievements.

Why Low EQ in Teams and Groups Often Sabotages Success

Low EQ teams also show their own unique signs and styles. However, these behaviors tend to interfere with teams and organizations from being able to effectively deal with tough issues.

Low EQ teams often have fits and starts of success and emotional outbursts, especially when a crisis occurs. This affective instability often results in teams that produce inconsistent results.

Low EQ teams have members that often feel insecure, lack management competency, and tend to see conflict as a sign of dysfunction. Team members often dread meetings and their group interactions are characterized by an active avoidance of conflict and leave members with high levels of stress from leaving important issues unresolved.

Team members are unlikely to take bold risks or encourage other members to do so. Low EQ team members become experts at creating “pre-emptive” excuses so they can readily shift blame away from themselves when the team consistently fails to deliver results.

There is often a tacit agreement between members not to hold each other accountable so that team problems can be externalized to outside forces or unforeseen circumstances. This protects everyone’s ego and status and does not force team members to examine how their own interactions propagate low performance and failing to deliver the results and goals expected.

Signs of Low EQ in Groups, Teams, & Organizations

* Team members are reluctant to openly admit their own weaknesses or mistakes and will rarely ask for help, even if it is clearly needed.

* Team members are reluctant to hold each other accountable to their commitments and responsibilities for fear that it may damage interpersonal relationships and others may then also hold them accountable.

* Fragile egos of senior leaders lead to “out of bounds” or “forbidden” topics that need to be addressed, but cannot because team members feel unsupported challenging the ineffective pet policies of key players.

* Individual competition and the need for high individual achievement often interfere with necessary cooperation and teamwork necessary to create the collaboration needed to create win-win solutions.

* Members are unwilling or incapable of passionate debate about critical issues, unless a crisis is looming, and then the conflict becomes personal and ineffective.

* Artificial Harmony exists among team members whenever powerful outside players are present. Everyone seems to get along swell when the regional vice-president is visiting.

* Time and energy are actively invested in avoiding conflict and directed toward shifting blame and responsibility onto others. “Pre-emptive” excuses and other ways to avoid accountability are frequently used to protect status and egos.

* Fear of making a “bad” decision often results in “analysis paralysis” and constant delays which prevent team members from taking decisive action. The need for a “perfect” solution gets in the way of an “effective” solution.

* Negative feedback is delivered inconsistently and often in a way that is not constructive. There are emotional outbursts and team members are made scapegoats for poor leadership.

* Team members often feel that they are being humiliated or embarrassed, while more senior managers see them as being too sensitive and needing a thicker skin.

* Organizational leaders do not accept responsibility for any issues relating to culture or morale. The problem is always with the person or the team and never with the organization or the culture.

What to Do If You Need to Raise Your Group’s EQ?

If you are fortunate enough to belong to a high EQ team, then you already know what it feels like to be part of a successful group, team, or organization. If, however, you see your team acting in Low EQ ways, then you need to decide what you can do to make things better.

It’s very important to realize that improving the EQ level of a group or team is a much tougher task than working with a single low performing team member. This is because you are dealing with group dynamics, different levels of interpersonal functioning, and a collection of egos and people who are likely to be fearful of change and doubt their own ability to improve. After all, they have developed a number of ineffective ways at deflecting responsibility and accountability, so don’t expect them to welcome and opportunity to resolve the conflicts they have been actively avoiding.

The first place to start in developing higher group EQ is to assess where your team is functioning well now and where there is a clear need for professional development. Do not attempt do this job alone – get help. Locate either an internal or external expert who has experience in working with EQ and groups.

Work with your expert to establish exactly what behaviors are contributing to success and what behaviors are interfering with reaching team goals. Then figure out a set of strategies to advance team development around the core issues of trust, conflict management, commitment, and accountability. Remember, change is a process and not an event. Even with expert help, it may take 6-12 months of active focus before you see significant improvement

I can tell you, from personal experience, that it is possible to increase a team’s EQ. But, it absolutely requires a strong and secure team leader who is able to recognize the signs of low EQ and how it is negatively affecting performance. The team leader must also be willing to ask for help, accept outside advice and counsel, and be willing to support ongoing change.

The expert and the team leader, working together, must develop ways for team members to hold each other accountable and for letting go of the old ways of interacting. Conflict avoidance must be abandoned and teams must be shown how to effectively integrate conflict into normal problem solving to achieve better results. Team members must be taught how to give and receive honest feedback in ways that address real issues. Finally, all team members must feel empowered enough to challenge members who lose focus or do not deliver on their commitments.

Not all teams can make the change from low EQ to high EQ. It’s tough, takes hard work, and challenges the usual way of interacting. But, for those teams that are able to raise their EQ, they often find that they are capable of far more effective problem solving than they ever believed possible. High EQ team members have high levels of engagement, produce more high quality results, and are committed to their team and organization. Finally, high EQ teams often become talent magnets and attract top level talent across all levels of the organization.

About Thomas J. Haizlip, M.A.
Since 2000, I have helped transform great managers into great leaders. My experience and training as an expert in human behavior allows me to quickly assess and analyze what you need to do differently to move forward.
Over 50% of my clients have been promoted after working with me and learning how to become a more effective leader. Please, give me a call so I can help you move from where you are to where you want to be as a leader.

Find More Equifax Articles

Details About Debts For College Students

Which means you need assist purchasing college. Just what today?

Financial loans for university students are the most frequent type of educational funding. Unfortunately, loans are lent money and unlike scholarships and grants, they require repayment with accumulated interest. The payment (or standard) of student loans affects a person’s credit score, therefore it is important to be completely informed about several types of loans and repayment options before borrowing financial loans for students.

Step one toward receiving school funding for college will be complete a Free Application for Federal scholar Aid (FAFSA) through U.S. division of Education (U.S.D.E.). In line with the U.S.D.E., the office of “Federal beginner help plays a central and important role in promoting postsecondary education by giving money for university to eligible pupils and families.” Filling in a FAFSA is the initial step for assistance for financing a postsecondary training.

Subsidized vs. Unsubsidized

To find out interest payment, student education loans get into one of two groups, either subsidized or unsubsidized. Subsidized financial loans are lent to pupils on a basis of great financial need, and for this explanation, the government will pay any interested built up the mortgage whilst the pupil remains in school or while repayment is deferred for an official explanation. But students tend to be exclusively responsible for paying any built up interest on unsubsidized financial loans.

Direct vs. FFEL

Two various programs within the U.S. division of Education have the effect of disbursing financial loans to pupils.Direct financial loans are included in the William D. Ford Federal Direct Loan system and they are given right from the U.S.D.E. so students repay these loans on U.S.D.E. However,FFEL debts (Federal Family knowledge Loan system) tend to be guaranteed by the government but disbursed through an exclusive lender. Students repay these financial loans to the exclusive loan provider.

Repayment Schedule

Repayment of financial loans for college students varies greatly, dependent on factors like the complete sum of money that students borrowed, the length of time the pupil had been signed up for school while the pupil’s income amount after graduation. In most cases, students have actually a grace period of six to nine months when they graduate or fall below part-time registration standing before they have to start repaying their financial loans.

Kinds of Federal Loans for Students

Perkins Loans: these loans are lent to pupils showing great financial need. Federal Perkins Loans tend to be distributed throughout your college and must certanly be paid back towards school within a decade.
Stafford financial loans: these financial loans tend to be awarded on a foundation of economic need that will be either subsidized or unsubsidized. Direct Stafford financial loans are disbursed to students by the U.S.D.E. and FFEL Stafford Loan disbursed through an exclusive lender, like a bank. Financial loans are paid back for their respective lender.
PLUS Loans: they are loans borrowed by students’s moms and dad or legal guardian. PLUS financial loans is borrowed to pay for any remaining university fees costs which are not covered by various other loans. All PLUS loans are unsubsidized and debtor accounts for having to pay all interest. Direct PLUS financial loans have a hard and fast interest rate of 8.5 percent, FFEL PLUS loans 7.9 percent.

If students’s federal educational funding award is certainly not enough to protect the price of college tuition alongside expenses, loans are available through a number of exclusive loan providers as well. Exclusive loans usually have higher interest rates much less freedom in terms of payment, so it is crucial that you do your research before borrowingloans for college students.

Alli writes about on the web Education for University-bound.com – a reference web site for people thinking about making a diploma online.

How can you select the right car finance? This effortless auto loan comparison helps guide you to cut through the BS and select the best and cheapest car finance.

Doing this tends to make car lease easy, and enables you to identify the undoubtedly inexpensive car and truck loans through the higher priced people. Best car loan rates in many cases are not the simplest way to select a loan – because fees and charges add significantly towards the genuine cost of car finance. Choosing the cheapest car loan repayments is a flawed strategy too.

This analysis is a straightforward ‘how to’ help guide to deciding – just and logically – which car loan is the greatest car loan for you.

Cannot choose the location at the dealership – spend some time and look difficult at any finance which wanted to you.

For more information on the various types of car lease, go here: http://autoexpert.com.au/buying-a-car/car-finance/what-are-the-best-car-finance-options

If you want assist getting a number of solid car lease choices in front of you – all from reputable Australian lenders – get in touch with me personally here: http://autoexpert.com.au/contact

You can be sorted within 48 hours.

Plus don’t stress when you yourself have a negative credit history – reputable lenders have tailor-made products for your needs, at the mercy of fulfilling some practical credit criteria. Do not be delay because of the names – ‘bad credit financial loans’ or ‘bad credit auto loans’ – these are reputable commercial car lease items.
Video Rating: / 5

5 Smart Job Search Investments That Actually Pay-off

I know you’ve got heard about the worthiness of investing in an application journalist and/or task search advisor to help you through your job search. Truly, this investment in your self and your task search will probably pay off in numerous ways including your capability to completely leverage your self within industry of choice, making certain you will be optimizing your skills and skills amidst the competition and acquiring the greatest quality interviews.

Nevertheless there are additional investments you ought to be making within task search that lend themselves to rich and fulfilling payoffs. Maybe you have viewed your house, your wellbeing as well as your time-off activities? Maybe you have set up a method for yourself that delivers you with adequate work search support?

Below are a few examples:

1. Investment in your wellness
Will you be taking good care of yourself? Are you currently postponing your yearly physical, your visit to the dental practitioner or chiropractor? Do you really invest in eating organic food? Would you move out for a few minutes each day for some workout and fresh air? Your monetary financial investment to do this is reasonably small however your brief and long term payoff is vit al to keeping stress in order as well as your feeling of health.

2. Investment in activities you enjoy
Buying yourself, in activities you love and that relax you might be CONSIDERABLY crucial and must be INCREASED through your task search. Feel like you can’t discover the time? Check where you take your time in the day, after that commit to eliminating single activity you don’t absolutely need to be doing. Change it with anything you love to complete, be it spending time along with your family, playing tennis, cycle biking or reading a novel. The more relaxed and balanced you’re, the greater energy and concentrate you will need to give your job search.

3. Investment inside surroundings
Is the office or house a mess? Financial investment in on a clean work and living area will add to your feeling of comfort. I have a young child and know-how difficult it can be to keep things neat! But each morning we clean my company so I can think obviously, and get current and innovative for my customers. In other words, your environments can mirror your emotional perspective.

4. Investment inside quality
If you’re suffering your confidence along with your self worth with regards to your work search, after that grab a pen and report and write out 30 important abilities, skills and traits that you can bring to your employer(s). Getting clear here will allow you to speak to how much you truly have to provide. We quite often devalue our expert worth, so this workout will serve to complete the gaps if you are making out any crucial things within resume.

5. Investment in job search “high payoff” tasks.
Have you been licking stamps and envelopes and operating into the printer? What about considering employing you to definitely deal with these basic jobs for you personally through your task search to help you spend your time and effort focusing on your high payoff tasks, particularly concentrating on businesses, after up with telephone calls and preparing for interviews?

You get a lot more done with a little help! Your investment in hiring the next-door neighbor’s teenager across the street (or a, when you have one) certainly will kick your job search results into high equipment.

Therefore, exactly what can you purchase right now that makes you feel great, more balanced much less stressed?

Do you need to learn to efficiently have more interviews, shorten your job search and increase your income? Browse my web site: http://www.maryelizabethbradford.com, at no cost articles, free sources and also to sign up for my no-cost sound mini-seminar “5 Simple Steps to locate, give attention to and WIN Your Dream Job – launching Today!” Job Research Coach and nationwide certified higher level resume author Mary Elizabeth Bradford is “The Career Artisan.”

More Pay Off Charge Card Articles

Home Building Equity Creation – Build Or Remodel Your Own Home and Create an Equity Bonanza?

Are you thinking of building or remodeling your home? If you have spent any time looking around for a kit home, packaged home, homebuilding books, or a do-it-yourself program you’ve seen some wild claims. What is true?
 
They usually call it “sweat equity”. The old “do-it-yourself” model of saving money big time. Yes, saving a lot of money, especially in this economy is very attractive, indeed! But, beware! When the economy is rough, and sales slow down, marketing departments and entrepreneurs really start hitting you with exaggerated claims to get your attention.
 
WHEN IS A GOOD TIME TO BUILD FOR YOU?
 
Truthfully, only you can decide what is a good time to build or do a major home improvement project. Your income, job security, the amount of cash you have, your credit rating, your time availability … all these things factor in.
 
Notice that I didn’t even mention the economy. Doesn’t the economy matter? Well, it would be naïve to say that it didn’t. But, it would be a crying shame to let some economic upheaval stand in the way of you reaching your dreams … IF you are prepared. This very well could be a great time for you to make your home building dreams come true. Let me outline a few reasons why then give a way to decide for yourself.
 
Why this COULD be a good time to build:

If you need to borrow, rates are at historical lows
The building industry is very slow now and you can get bargain prices on many homebuilding materials
The costs of labor are down substantially in many areas and labor is a big part of the overall cost
There are many potential bargains when it comes to buying land to build on

 
Frankly, there is a window of opportunity for those who are financially and emotionally ready to take the leap. Just know that there is always the potential for the market to worsen before it gets better.
 
My advice is this. If you’re planning to live in and enjoy the home for years – it’s a good time. If, however, your plans are to build a home for “instant equity” and sell it upon completion, all bets are off! No one can say where the market is headed in the short term. So, unless you’re prepared to hang on to it if necessary, I would not take this speculative gamble.
 
Finally, as to the wild claims, I really can’t say what is reasonable in your market without knowing how you plan to execute your project. Will you do a lot of management and work yourself? Will you use a home-building coach, a site supervisor, or a kit home? What are other homes selling for? How long will it take to build? What is the interest rate on the loan and for how long? There are many factors involved.
 
Just be sure that you always ask questions and demand proof of any claims. And never move forward until you’ve spoken to the references of any company or individual that you consider working with. Never!
 
Good luck and I hope this helps. And keep learning all you can!

You can learn so much more about home building and remodeling online. One great option is to take advantage of a very informative yet simple to follow *free* e-course that you can find by clicking here http://www.DreamHomeCreation.com You will also find other tips and tools, surveys, videos, and additional articles by Mel Inglima.

Should You Use Home Equity or Savings to Pay for a Remodeling Project?

When you’re planning a remodeling project or home renovation, it’s a good idea to start by determining how you’ll pay for it. Usually that comes down to taking out a loan or using your savings.

Some people may have enough cash saved to consider paying for their remodeling project or home renovation out of pocket. But just because you have enough savings to pay for your home remodeling project doesn’t necessarily mean you should rule out either a home equity loan or a home equity line of credit (HELOC). Tapping into home equity can be a smart move, under certain circumstances. Your own individual financial situation will determine what payment plan you should choose. So check out this episode of Big Money Real Estate for my tips on when to tap into home equity and whether to choose a home equity loan or HELOC to pay for a home remodeling project.

Be sure to subscribe to my YouTube channel for the latest real estate tips and news: http://www.youtube.com/subscription_center?add_user=expertrealestatetips

And pick up my Intentional Investor Series on thinkglinkstore.com to learn everything you need to know to become a successful investor in real estate: http://thinkglinkstore.com/collections/frontpage/products/the-intentional-investor-complete-series

Looking for more of my real estate and personal finance tips?
Read my blog: http://thinkglink.com
See my tweets: http://www.twitter.com/glink
Follow me on Facebook: http://www.facebook.com/ilyceglink

More Home Equity Articles

Monitoring Cell Phones

Many people, in the past or any other, want to be able to spy on someone’s mobile phone tasks or listen in privately to a call. Especially those who could be suspicious that their particular companion or spouse is cheating on it want in cellular spying. Many moms and dads additionally need to know if kids are seeing improper websites, or making connection with untrustworthy figures through telephone calls or texts.

Additionally, there are businesses just who give company-owned mobile phones with their staff members, and normally want guarantee your mobile phones are utilized for work functions just.

Suspicious spouses, moms and dads, and businesses are now able to in fact spy on cell phone people by means of stealth cellular phone spy computer software. Of course the cellphone spy software has got to be installed secretly. Parents and businesses can put in the program before providing the cellphone for their kids or employees. Spouses can install this program on the partner’s phone once the latter is asleep or far from it. When put in, the stealth application is invisible, while the user doesn’t have indisputable fact that his calls and communications are increasingly being supervised.

Numerous websites offer mobile phone spy pc software at different prices, depending on the features included. You need to remember that some sites may require you to definitely acknowledge that you’re the appropriate owner associated with phone the program will soon be set up on.

Once repayment is submitted, you’ll download the application and install it in the cellular phone. Most cell phone software is suitable for many different cell phones such as for example Blackberry, Android, iPhone, and Mobile Windows Phones. It will probably generally even work on iPads.. A simple requirement is the fact that cellphone can connect with the internet, because tracking is made feasible by net connection.

Once you buy cellphone spy computer software you will get an username and password. You’ll have to log to your account to look at the activity of cellular phone on which the application has been installed on. You can view phone logs offering a recording of every telephone call, the quantity that has been dialled or that called in, plus the day, time and length of time associated with the call.

As part of your account you will also see all text messages which have been sent and have now already been gotten with a timestamp. Additionally all net history is supposed to be shown to you, including a summary of web sites that have been visited. You have the chosen archiving these records, you’ll duplicate them, or delete all of them after you have viewed all of them.

Learn how to Spy On Any Mobile Definitely. Visit Cellphone Spy Computer Software At http://www.cellspying.net

The Future Of Carbon Credits

Although the current investment climate for carbon credits is a bright one, the future could hold even more promise – in a very big way. As of now most of the industrialized countries in the world are working under some sort of carbon tax system as prescribed by the Kyoto protocols. However, the world’s three biggest polluters are not: India, China and the U.S. When these countries sign on to the protocols then the market should explode. What are the chances of this happening in the near future? It’s hard to say but it depends, as you may have guessed, on politics.
Politics in the U.S. to start, but also in China. First, though, U.S. President Obama has to make clear what he intends to do this year, if anything, on his carbon credit – or as it’s called in the U.S., cap and trade – policy. He started the year with a very positive agenda and seemed committed to making progress. However, since June his direction and resolve have seemed rather vague. And with the mid-term elections looming in November the situation becomes even more complicated. Republicans look poised to regain a majority of seat in the House of Representatives and also gain in the Senate. This could make passage of any kind of cap and trade legislation difficult because Republicans tend to favor big business and big business figures that cap and trade will cost them money.
So the direction forward in the U.S. will most likely be uncertain until after November 2. And even then it may take a considerable amount of time to get any legislation passed. But if laws mandating carbon offsetting ever do take place in the U.S. the effect on the carbon market will be immense. First, the U.S. itself is a huge market and the demand for certified carbon offset projects will skyrocket.
Secondly, there will be a knock-on effect in regard to China and India. Up until now, justifiably so, China and India have resisted signing on to Kyoto because of the U.S. refusal to do so. If the U.S. agrees, however, then there will be pressure on China and India to follow and it probably won’t take long for them to do so.
And in China’s case there is additional incentive because China is positioning itself as the world leader in green energy technology. It would be very difficult for China to continue on that path without at the same time ratifying the Kyoto protocols. Their rapidly developing stature in this field would be greatly enhanced by their ratification of Kyoto and their participation in some form of carbon emission control. The addition of China would also greatly increase demand as would India’s participation.
So what does the future hold for the global carbon offset market? It all may boil down ultimately to an election that will take place in the U.S. in about six weeks. Then again, it may not. Obama may not have the political capital or will to force through his carbon cap and trade policy even if the Democrats maintain their present level of control in the government.
His primary concern is the American joblessness problem and the economy as a whole so carbon may take a back seat no matter who wins in November. Until then, though, it’s anybody’s guess as to what may happen. Watch for an update after November.

Tom Aikins is a Bangkok-based consultant specializing in search engine optimization and internet marketing at http://www.seonorthamerica.com. He regularly presents seminars on these subjects and also writes about the carbon offset industry for the website http://www.carbonoffsetstandard.com.

Related Credit Articles

Are You Experiencing The Best Prices When Setting Your Cost?

All types of start up business usually make many blunders, among which can be they think consumers are inspired only by the cost when they come to a decision on buying something. Because of this, a favorite preliminary approach is always to fugure away the other people in identical type of work tend to be billing then undercut them. This blunder is exactly what must be averted.

 

Provide the matter a little more thought, in the end, this is become your livelihood and it’s essential you are compensated a proper and good amount for your time and expertise with all the proviso that both you and your consumers feel you might be giving affordable.

 

The following step-by-step technique may not be the most basic on the planet, however it is one of the most precise. Make use of these tips to establish what your value is actually for the service you’re providing.

 

Step 1. Just what would a company purchase time?

Firstly, analysis what you should earn if perhaps you were doing work for a local employer in an identical area. For instance, if you’re a freelance bookkeeper have a look at big businesses using their own records departments, if you are a vehicle auto mechanic, consider local vehicle repair companies while you are a personal tutor, have a look at schools and colleges or adult knowledge centers and instruction companies.

 

Spend time taking a look at job vacancies online and in local periodicals to get a good idea for typical annual income for your distinct operate in your area.

 

We are a Personal Computer Tutor for adults and in my geographic area the present annual earnings for full time university tutors and personal IT training businesses is just about $ 51,000. We’ll use this figure for instance by calculating just how much I should be billing for my services.

 

Important Note! As most full-time workers have four weeks’ compensated vacation annually, in effect they truly are just employed by 48 months out-of 52 – and you will need some slack too. This really is taken into account in the computations the following.

Action 2. just how much is it weekly?

$ 51,000 split by 48 months is $ 1062.50 per week.

 

Action 3. Business operating costs

Unlike an employee, you are going to need to cover your company operating expenses. You’ll have to establish a figure on your own company expenses in accordance with the service you’re offering. Luckily within my company these are perhaps not excessive as I have no need for premises or expensive gear. My biggest cost is my car. Your business is different therefore make sure you just take every thing into consideration right here, because of envelopes and paperclips. (At this stage don’t consist of expenditures for specific jobs such as replacement components for a vehicle since these will be recharged on individual consumer together with the fee for the time).

General company working prices can sometimes include:

 

Gas / car costs (excluding any percentage for the private use)
Marketing advertising tasks
Office materials and stationery
Computer (hardware, peripherals, computer software, consumables)
Education costs if you wish to keep your abilities current
Phone, mobile and internet fees
Insurances – including business insurances and personal health insurance
Expert account subscriptions and trade publications
Miscellaneous (parking prices, postage an such like)
Tools of the trade
Premises prices, rent, etc

 

Even though it might be hard to be accurate if your company is simply beginning, attempt to calculate as accurately as you possibly can simply how much your overheads should come to each year, then divide this figure because of the 48 days you’re going to be working.

 

Personal company costs started to about $ 15,300 each year, so continuing with your example:

 

$ 15,300 costs divided by 48 working months is $ 318.75 weekly company running expenses

 

Include this to my regular earnings target:

 

$ 1062.50 plus $ 318.75 is $ 1,381.25 once a week earnings target


Step four. simply how much to cost each hour?

Whether you’re going to be working part-time or full-time, believe during this period you have actually 40 hours accessible to work weekly – this is in line with many full time workers. Consider just how many hours away from these 40 you need to expend on non-earning activities eg traveling between appointments, performing administration or promotional activities. Let`s say, for the sake of our instance, this will be 10 hours weekly (25% of doing work hours). Subtract this number from your total performing hours to attain a figure of 30 chargeable hours.

 

Now, divide your regular profits target above because of the quantity of hours you’ll charge your visitors for your time (or in other words the particular range hours you will end up directly employed by your web visitors). Continuing with all the example above my per hour price could be:

 

$ 1381.25 divided by 30 chargeable hours = $ 46.04 hourly (round down to $ 46.00 each hour)

 

To summarize after that:


1.Local typical full time annual salary split by 48 months.

 

2.Expected basic company overheads annually divided by 48 months.

 

3.Add the above mentioned two figures collectively to reach a regular income target.

 

4.Work down what number of hours you will be right billing clients for after subtracting non-earning hours (such as administration and traveling).

 

5.Divide your once a week earnings target by this quantity of chargeable hours.

 

6.The resulting figure can be your per hour price.

 

Essential Note! that way, no matter if you’re taking care of your online business full-time, part-time or even for a little bit of extra income – your hourly price should remain exactly the same. It’s centered on a way which lets you protect all your valuable prices, (including 4 weeks yearly paid holiday) and still earn the “going price” for some body within type of work.

Aided by the numbers from your own preliminary research, make use of the same way to determine how much your time and expertise is worth in your neighborhood.

 

Probably the most valuable thing we all have actually is TIME – don’t undersell yourself!


Juliet Lynn happens to be being employed as an effective independent computer Tutor for grownups for two years and contains now written an in-depth business handbook of 100+ pages, “your personal computer Tutor Biz Handbook”, that’ll take you step-by-step through creating your very own successful part-time or full-time Computer Tutoring company. Juliet in addition provides on-going assistance and advice to purchasers of the woman guide . More information can be found at http://www.computertutorbiz.com incase you desire to ask Juliet any queries with this article or on installing your computer tutoring business, please email the girl at juliet@computertutorbiz.com

Relevant Loan Prices Posts