How to Prevent Identity Theft From Happening

Identity theft has been the fastest growing crime in the United States for over five years in a row, and it seems to show no signs of letting up whatsoever.  Consumers that are not careful and leave themselves exposed to the threats that can cause identity theft run a high risk of falling victim to a crime that can take several years to recover from.

Many consumers are not aware of how to prevent identity theft.  To ensure that you are taking the proper steps to keep identity theft from happening to you, make sure you safeguard your personal information in the following ways:

Shred All Financial Documents And Other Paperwork That Contains Personal Information

Dumpster diving has become one of the most popular methods of identity theft among criminals, so be sure to use a cross cut shredder to destroy documents properly.

Do Not Provide Personal Information Over The Telephone

Another favorite method of stealing identities that thieves have been utilizing over the past few years is called “vishing”.  Vishing is when someone calls you on the phone, misrepresents themselves as somebody else, and misleads you into providing personal information.

Protect Your Social Security Number

For some reason, Americans often feel the need to carry their social security cards in their purse or wallet.  Not only is this extremely unsafe in regards to an identity theft risk, but it’s simply unnecessary.  Keep your social security card and number stored away in a safe, preferably locked, place.

Never Click Links In Emails Sent By Someone You Don’t Know Well

There are thousands of malicious software programs that have been written over the years in order to hijack personal information from unsuspecting computer users and send the data back to a central location.  Phishing, as this practice is referred to as, has been on the rise over the past decade and criminals seem to get more and more clever when it comes to finding ways to trick consumers into revealing personal information.

Use Strong Passwords

Many consumers are in the habit of using passwords such as dates of birth, mothers maiden name, pet names, and children names for the ability to gain access to email and other other secure websites.  Identity thieves recognize this and are able to figure out these types of passwords easily.

For step by step information on how to prevent identity theft and to compare identity theft protection companies, visit PremiumSafeIdentity.com.

Differentiating white gold from platinum

Creating fine jewelry is all about the choice of the finest metals. It is essential to select the right pieces for the right project. In creating rings, the bands are the base or the foundation of the whole piece. To create intricate details just like hand engraving, it is important to select the right metals. White gold and platinum are the most popular of the bunch and rare used most of the time for rings. White gold is made of gold. This metal is yellow so it requires alloys such as silver and nickel to bleach out the yellow and make it whiter. However, sometimes there still is some yellowish undertone. The alloying process makes the composition like 58% gold and the rest is alloying metal. White gold can get a whiter appearance using rhodium when it is layered across the ring. Platinum, unlike white gold is a pure white metal. It is a rare metal. Platinum is also dense and heavy, making it more expensive than other kinds of metals. Platinum is usually used pure sometimes with only 10% of iridium. The metal is very luxurious and chic and is preferred by many since it does not need any rhodium to retain its white color. White gold requires a recoating or rhodium to maintain the white color if the rhodium fades. Platinum is easy to engrave although it is harder to manage this metal compared to white gold. White gold on the other hand is malleable and it is more adaptable to the more complex designs. If you are searching for a metal that will retain its color forever, platinum is the best choice. However since platinum is heavy, the price of a ring that is made from platinum could go from 2x to 5x the price compared to one that is made of white gold since it is much lighter. White gold is not an inferior metal. The pricing is based on weight and since platinum is used purely and is generally denser, it is more expensive. Depending on what the design project is, there will be designs that will best suite platinum and there are designs that will best fit white gold. It is all about choices and your budget. White gold has its unique identity and platinum as well has its appeal. Both are amazing ring metals so it is all about your choices that will make the difference.

Austin Ryder has a love for all things that sparkle. He has a large collection of diamond rings including diamond wedding bands, platinum wedding bands and many different kinds of earrings and necklaces. For diamond wedding bands, you can check out his store Modern Design Inc. His passion is in design, with wedding rings in gold and platinum and studded with pave or channel set diamonds there is nothing he cannot create with his hands

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Is Your Emotional Intelligence Holding You Back From Success? – IQ Vs EQ

If you are starting out in a career, looking for a change of career, or just stagnating in a job that you’ve been in too long, and not progressed to the level you feel you should have, then the current economic climate will make this period of your life seem like a daunting challenge.

Perhaps you feel that you are under qualified and never really fulfilled your full potential in the academic arena, or perhaps you fell that you are over qualified for many of the jobs out there? It may come as a surprise to you that in fact your intelligence level or IQ has been shown to account for only 20% of your success in life. What plays a defining factor in those that succeed and those that remain to be content (or not) with mediocrity is the level of Emotion Intelligence (EQ) displayed, rather than Intelligence (IQ).
Emotional Intelligence is defined by 5 main areas:

1. Self-Awareness – understanding your own emotions
2. Managing Emotions – Controlling your own emotions
3. Self-motivation – Channelling your emotions towards a goal
4. Empathy towards others – Recognising the emotions of others
5. Handling Relationships – Managing the emotions of others

A great deal of research has discussed the right and left sides of the brain and how they function differently. One thinks and one feels, and it is those that have the ability to balance the two sides of the brain as they go about their lives exponentially increase their chances of success. Emotions can often cloud logic when making difficult decisions and dealing with difficult situations, but the good news is that unlike IQ, you’re EQ can be developed and improved just like a skill. There are a number of ways that you can work on improving yours such as:

• Put yourself in someone else’s shoes and really look at things from their perspective. Try to feel what they are feeling and think about how they might react in that situation.
• Eliminate negativity from your life – always take a positive outlook on life and surround yourself with people who do the same
• Learn from your mistakes and successes. Take time to reflect back on experiences and situations and replay different scenarios and outcomes
• Visualise upcoming situations and walk through in your mind exactly how you want them to go. Imagine the variations and prepare for them.

Remember – success is not an accident. Those who have a achieved greatness educated themselves and took action in their lives.

For further reading on achieving success and developing yourself and click on the links below.

Colin and Brian Mackenzie – Scholars of Success – http://www.monthlymillionaires.com – We have studied and dissected many of the greatest people and books related to success throughout the ages. We provide information and help people to achieve their full potential – Visit our website for more information at http://www.monthlymillionaires.com The author(s) grants full reprint rights to this article. You may reprint and electronically distribute this article so long as its content remains unchanged and the author’s byline remains in place.

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Tata Motors gets a Ba3 rating from Moody’s

It is yet another achievement for the auto major Tata Motors. Recently the company has been provided with a better rating by a famous rating agency. The rating agency Moody’s has recently raised the rating of Tata Motors, the largest automaker of the country. This rating has been increased by a notch because of the improved and developed performance of Jaguar Land Rover, the Tata Motors owned British marquee brand. Earlier, the rating agency had provided a B2 rating to Tata Motors but now because of the improved performance, this rating has been raised to a Ba3. Jaguar Land Rover has now been showing improved performance though it had declined during the third quarter of the fiscal year 2009. But since that time, Jaguar Land Rover (JLR) has been continuously recovering and has shown growing and progressing volume along with higher revenues alongwith margins on the launches of new products, stated the Moody’s Investor Service. Moody’s Vice-President/Senior Credit Officer Alan Greene commented that the up- gradation in rating shows the recovery in the performance of operations of the JLR business which exceeded Moody’s expectations. He further added that the company is growing with speed and also the Indian business remains quite profitable. This has given the output of much improved leverage ratio of Tata Motors Limited. Besides these statement, Moody’s also commented that Tata Motors is also observing a huge recovery in its Indian business. This has got the support of auto sector’s growth of the country. On one side, the business of the commercial vehicles is constantly booming and is representing the main part of Indian operations of the company while on the other side, Tata Motors passenger vehicle volume growth can be observed by the current launches of product, like the cheapest car of the world – Tata Nano or the launch of Tata Manza. Such launches helped in powerful revenue growth. Moody’s also stated that the stable outlook of the company shows the stronger solid footing of the business which follows the market acceptance of newly launched products and the company business strategy divisions that are being steadily implemented.

At CarDekho.com, we provide information on the latest Tata Manza and more importantly the cheap Tata Cars.

Tata Motors Gets A Ba3 Rating From Moody’s

It’s yet another accomplishment the car significant Tata Motors. Recently the organization happens to be supplied with an improved score by a famous score agency. The rating agency Moody’s has recently raised the rating of Tata Motors, the largest automaker of the country. This score was increased by a notch because of the enhanced and evolved overall performance of Jaguar Land Rover, the Tata Motors owned Brit marquee brand.

Early in the day, the rating agency had offered a B2 rating to Tata Motors the good news is due to the enhanced performance, this rating is raised to a Ba3. Jaguar Land Rover has now been showing improved overall performance though it had declined through the third one-fourth of the financial year 2009. But after that, Jaguar land-rover (JLR) happens to be continually recuperating and has now shown developing and advancing amount alongside greater revenues alongwith margins on launches of brand new products, claimed the Moody’s Investor provider. Moody’s Vice-President/Senior Credit Officer Alan Greene commented that the up- gradation in rating reveals the recovery in the overall performance of operations for the JLR business which surpassed Moodys expectations. He more added your company is growing with rate plus the Indian business continues to be rather profitable. This has because of the output of much enhanced leverage ratio of Tata Motors Limited.

Besides these statement, Moodyis also commented that Tata Motors can also be observing an enormous data recovery with its Indian company. It’s got the help of auto areas development of the nation. Using one part, business for the commercial vehicles is consistently booming and it is representing the primary part of Indian businesses associated with the business while on the other side, Tata Motors traveler car volume growth are observed because of the present releases of item, like most affordable car of the world Tata Nano or the launch of Tata Manza. Such releases aided in powerful revenue growth.

Moodys also reported that the stable outlook associated with the business shows the stronger solid ground for the company which uses industry acceptance of recently launched items therefore the organization business strategy divisions which can be becoming steadily implemented.

At CarDekho.com, we offer info on the most recent Tata Manza and more importantly the inexpensive Tata Cars.