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Losses U.S. Federal Law can hold the cardholder victim responsible for up to $50. Merchants in high-risk industries, like unattended automated fuel pumps or Internet sales, anticipate a certain amount of credit card fraud, and set prices accordingly. These higher costs are then passed onto the customer. Credit Card Companies In 2003 the Wall Street Journal estimated that the credit card industry generated $500,000,000 in annual revenue in research and investigation fees paid by consumers and businesses. This additional revenue offsets some of the costs incurred by credit card issuing and processing companies' when investigating chargeback claims. Some merchants believe the high revenue generation...

Credit Card Hijacking is the term used when a person’s credit card information is used for undesired charges for goods or services where the credit card owner has trouble reaserting control. This can occur in two major forms. Credit Card Hijacking by Identity Theft The first form of credit card hijacking is basically identity theft, which is the deliberate assumption of another person's identity. Identity theft is usually the result of serious breaches of privacy and often involves the thief compromising a great deal of financial and personal information allowing the thief to open up new credit card accounts in the name of the victim. Credit Card Hijacking by Cancellation Barrier The...

It's that time of year. This is when we all start getting those emails that want to steal our secret codes and passwords. You know the ones: "Your Account Is About To Be Closed," "There's A Block On Your Account,", "Congratulations - You've Won The Lottery (that you never entered)."and my favorite "Could You Help Me Claim My Funds?". This is also the time of year when we start shopping for gifts and the last thing you need is for your bank or credit card accounts to be stolen by "cyber grifters". They are counting on some of us to follow the instructions in the email. First and foremost, DON'T FOLLOW THE INSTRUCTIONS IN THE EMAIL! If you think there might be a problem, access the account in question...

It can happen to anyone at any time. You get hit with unexpected bills that you simply can't afford to pay and your credit goes from good to poor. It can happen through no fault of your own. The bottom line though is that it doesn't necessarily mean you can't still get a credit card. You can still get a guaranteed approved credit card in your name even with poor credit. There are many different credit card companies that will extend guaranteed credit to those who have poor credit. By getting one of these credit cards and using them, you can begin to bring your credit rating back up, while at the same time being able to enjoy the benefits of having a credit card. Applications For Bad Credit...

Buying Wholesale The Right Way By now, if you've been on the Internet for just a little while (and I was a late-bloomer), starting in 1997, you know the land mines. Not everything that is advertised is what it claims to be. That can be from products to services. I didn't start out to be in wholesale, in fact, I didn't start out to have anything to do with the Internet at all. I was a cartoonist (still am), and founder of Londons Times Cartoons. That launch was in 1997 in a small Mississippi warehouse that I used as my studio as I could not afford much more and launch the cartoons without a full time job. I took odd jobs as I continued this creative venture. A Google of Londons Times Cartoons has...

Recent episodes of security breaches into credit-card databases, such as the case at CardSystems Solutions Inc where 40 million accounts were hacked, have made a high majority ofconsumers more concerned over identity theft. The term has been generalized to refer to various crimes. However, many officials havenarrowed ID theft to the use of stolen personal or financial data to establish a newidentity, particularly in setting up a new account using the unsuspecting owner's name. Thisnarrower definition separates ID theft from other types of bank fraud, including ATM cashwithdrawals using a stolen card. Ironically, most of these violations and similar crimes involving unauthorized access topersonal...

If you bought or sold your first home after 2001 then you may be perplexed by the current market. If your home has been on the market over three weeks without an offer and few people are showing up at the Sunday Open House... Relax... Do not panic.. You did not choose the wrong agent... This is just a return to a normal market.Over the last 5 years we became accustomed to a frantic and fast paced market where property sold in a day with multiple offers and selling prices far over the listed price. The last four months have seen a change from that mad whirl to a slower paced normal market.In a normal market it may take 30-90 days for a property to sell. The list price will be close to what the house...

0 APR credit card APR, cash back and optional rewards etc. are several reasons for any one to opt for a good credit card. They are also a useful and a smart way to meet ones financial needs. Most of the credit card companies offer most attractive features to lure their customers.These credit card companies offer 0 APR credit card for several reasons and in several manners. Many cards offer 0 APR credit card for first six months and after the introductory period is over the regular APR is applicable on any purchases made through the cards. This offer for regular period ranges from 12.49% to 15.99% on such a 0 APR credit card.Credit companies offering a student credit card offer a 0 APR credit card...

Choosing an appropriate corporate business gift might be confusing, as the market these days offers a wide array of gifts ranging from inexpensive personalized items such as pens or mugs to customized laptops, original artwork and even automobiles. Whether you are giving promotional freebies, rewarding your employees or trying to impress management, it is advisable to choose gifts keeping in mind the occasion. Corporate business gifts can be a perfect medium for boosting your company's profile, morale and work effort.Corporate business gifts can range from corporate gift baskets, wines, personalized gifts and any other unique corporate gift ideas. Personalized corporate gifts may include an array of...

One of the main reasons people buy digital cameras is so they can share their photos with others. Even if you are just going to print your photos for yourself, you will want them to look their best. Here are some tips on getting your images ready for sharing or printing.1. ORGANIZE YOUR PHOTOSDelete the ones you don't like or those that are near duplicates of others. No sense in clogging up your hard drive or CDs with junk. Use a good photo management software program like ACDSEE 7, Adobe Photoshop Album 2.0 or Jasc Paint Shop Photo Album 5 to view, organize and name your images. These programs also let you batch rename so you can give more descriptive file names to a group of photos at the same...

The average American spends the first six months of every year paying off their holiday debt from the year before. Overspending, opening new credit accounts and generally just spreading your finances too thin is especially tempting as you succumb to the "spirit" of the holidays. That spirit has Americans planning to spend an average of $1,096 on holiday presents this year, up $207 from 2004. But before you dust off your trusty credit card for its busiest time of the year, read up on these 10 tips that will keep you and your credit scores merry and bright. 1. Stay away from high credit balances and too many accounts...

The amount of fraud that goes on in our government at the federal level is unbelievable and most people have no idea how bad it actually is. For instance consider Government credit card abuse and wasteful spending by government workers using taxpayers money. Did you know that each year millions of dollars go unaccounted for in audits by the federal government and their various agencies; some 3000. It is true.Often they catch government workers up using government credit cards and stealing taxpayers money, but very rarely is anyone ever put in jail for it. It is stealing even though the United States federal government passed a law in June of 2006 to stop the government credit card fraud and...

Many times people who have never had a credit card or any other form of credit think that the banks will turn them down for lack of credit history. While this may be true in some cases, no credit does not mean you have "bad credit", and provided you have a steady income, chances are you will be able to obtain a credit card.In fact, there are many banks that routinely offer Visa or MasterCard credit cards to first time applicants. Everyone must establish a credit history somewhere! If you have employment or other means of steady income, select a bank and apply for their credit card. Don't run out and apply at ten different banks attempting to increase your chances, because that will actually have...

Good soil information can lead to substantial savings and tighter foundation design because the design parameters are well defined. The more comprehensive the information, the more economically can a good structure be built. The object is to build a good building cheaply and not to build a cheap building. Geo-technical site investigations may cost up to 2% of the total project cost, but is very necessary as geo-technical engineers often say: you will pay for your geo-technical investigation anyway!GEOTECHNICAL INVESTIGATION PROCEDUREInitially one should find geological information for a specific site about the original rock type of the area and the soils which are the weathered rock. This can be...

In any legal proceedings before the court of law, the application of the rules of evidence apply so as to accept the admissibility of a data message in evidence, the ground which data message and electronic communication be accepted before courts and how the course of legal proceeding best evidence can be produced and admitted. The civil proceeding it is the legal obligation shouldered on plaintiff to produce electronic evidence and plaintiff adducing it could reasonably be expected to obtain and produce before the court on the grounds that it is in its original form. The admission of electronic often not accepted as computer based file or records, the plaintiff have to produce it, some how, he...

1. If you are looking for work, it is common practice to include your e-mail address on your resume just like you would include your telephone number and mailing address. But if you don't handle your e-mail account correctly you could be shooting yourself in the foot.2. A "silly" e-mail address can turn off a prospective employer.3. Something as simple as listing more than one e-mail address can cause confusion.4. It is inappropriate to use an employer's e-mail address on a resume - that is kin to stealing company assets.5. Having an e-mail address with a strange extension (e.g., .org) might make something think you are self employed or using an employer's e-mail address6. The worst dangers of all...

Identity theft is a federal crime under the Identity Theft and Assumption Deterrence Act. It occurs when a con artist uses your personal information, such as name, mailing address, Social Security number, credit card number, birth date to set up a clone identity, which then buys merchandise, takes loans and makes other financial transactions. The impersonator keeps the loot, while you get stuck with the bad credit. Identity theft scams have received their fair share of media attention in recent years.The crime of identity theft has reached epidemic proportions, with identity theft scams making headlines more and more every day. One of the high-profile identity theft scams involving a New York's...

By now, almost all Americans understand how common the crime of identity theft has become and should also realize that they are prone to becoming a victim of this horrendous crime. While most have probably heard of the many problems that can result from identity theft, many may not truly understand what a criminal does with personal information once they have access to it. Protecting yourself means understanding what a criminal may do once they have your personal information so you can monitor suspicious activity. Once your personal information has been compromised, thieves can commit many crimes including bank or credit card fraud, utilities fraud, governmental documentation fraud, and even...

Credit card fraud has become surprisingly common nowadays. Credit card fraud can potentially cause consumers a great deal of stress and hassle. Therefore it is important to pay attention to the security features offered in your credit card deal. For example, in the case of unauthorized charges on your card, are you liable for any portion of that money?Credit card fraud protection is also increasing with credit card companies striving to contain fraud and consumers becoming more aware of the problem. There are certain steps you can take to make sure that you are protected from credit card fraud.When you apply for a credit card, make sure you look at the security and credit card fraud prevention...

Should you accept Visa credit card payments? Why not? More and more often, merchants are coming to appreciate the ease with which a credit card payment system can be implemented in their business through a merchant services account. Customers love the convenience of paying by credit, especially when cash flow is low or temporarily restricted. Letting them pay with plastic will allow your clients to enjoy greater flexibility in shopping for goods at your company and paying on their own terms.If you decide to accept Visa credit card transactions, you will first need to secure a merchant services account. This is not hard to do. Just check with any of several merchant account providers, usually banks...

I recently attended a trade show aimed at owners and operators of convenience stores. Dynamic speakers at the show inspired many attendees to ask lots of thoughtful questions. As I stood in our booth talking to these business owners a theme developed: "Should we network our stores? And if so, what is the best solution for our business?"Wide Area Networks (WANs) can often be the technology investment that doubles your revenue. ---okay, maybe not double. But I've got your attention and a WAN is definitely a "bottom line" builder.In fourteen years of network engineering I have orchestrated successful WAN implementations streamlining ordering, eliminating overtime expenses and reducing shrink. But does...

Aside from the long string of numbers that serves to identify your account, a short series of numbers makes up the expiration date of your credit card. Many people are unaware of the expiration date of their credit card but the credit card approval network knows exactly when credit cards expire.There are several reasons that credit cards have expiration dates and some of those reasons are mentioned below:*Credit cards expire because the magnetic strip attached on the back of each credit card will eventually wear out. Once your credit card's magnetic strip wears out, credit card terminals and ATMs will not be able to read your card and process your transactions.*Credit cards have expiration dates so...

CASH MONEY TO E-MONEY Electronic money or better known as e-money is the modern form of money in which all monetary transactions are made electronically. Piles of currency notes are replaced by tiny smart cards, which not only provide us money but provide a lot of services. Concept of e-money is too young but it's versatility and reliability has made it big hit. Computer has revolutionized human life. Use of internet opened new dimensions in computer use. Today it is being used in every field, in every part of world. E-money ultimately works similar to paper money without the risks and inconvenience, which may occur with cash money. Unlike cash money, it can pass immediately between the two...

Electronic Fraud and Identity Theft ----------------------------------- Human beings are pretty sensible when presented with an imminent threat or risk. That is, if it's staring us directly in the face. Many threats and risk are presented in subtle ways, and it is these subtleties we tend to overlook.It's The Little Things We Tend To Overlook ------------------------------------------ Thousands of years ago, it was the subtle things that caused us to take action, to error on the side of caution and protection. A good example, the reports regarding animals seeking refuge early on during the tsunami that claimed the lives of over 300,000 people this past January. Over time, most...

Fishing on the Internet has come a long way. However, we TechWeb junkies like to call it Phishing. What I am talking about here is not going after your ordinary, everyday catch. Yet a fine catch it indeed may be to those thieving bandits if they can lure you into giving up your personal and private information. Trickery is vast and common on the World Wide Web. Beware, I say, beware!Email schemes, called "phishing" or "carding", attempt to trick consumers into disclosing personal and/or financial information. The emails appear to come from legitimate companies with whom consumers may regularly conduct business. I have seen scams appear to come from such noteworthy corporation as AOL, Earthlink...

Credit card jumping (or rate surfing) is becoming more widespread as people struggle to keep on top of the mountains of debt they have amassed. It's called credit card jumping because people jump from credit card to credit card, taking advantage of the best deals on offer.How Credit Card Jumping WorksIt works like this. Suppose you pay for your new car, DVD recorder or stereo using your old credit card. After the interest free period of around 56 days (less on some cards) you will have to pay interest on the outstanding balance. This can range from under 8% to well over 23% depending on the credit card you have. And most of the money you pay back each month will pay off interest rather than reducing...

Payroll check fraud came calling four days before Christmas. A branch of our main bank called and wanted to verify a check. The young lady who took the call in our office quickly realized that the check was out of sequence and for a person not on the client's payroll. The check was cut on our trust account. I spoke to the bank employee who had called us. They were stalling the person by having then fill out an account application, more about that later. I took the location of the bank and called the local police department. Of course I didn't have the right exact city and had to make an additional call. The police finally were dispatched to the grocery store where the branch bank was. The...

It's an inconvenience nobody wants to live through: a theft. I can remember a summer's day at the public pool twenty-five years, where my father used to take us to keep cool in the Florida sun. He had left his wallet underneath a pile of clothes while we went swimming, only to later find it had been stolen. A few weeks later he received a credit card statement listing charges the thief had made on the card. Thankfully, my father had reported the theft immediately, and was therefore not liable for the fraudulent purchases.Twenty-five years ago, though, you didn't hear so much about credit card theft and identity theft as you do now. While the Internet has expanded commerce horizons, it brings with it...

DescriptionAn anode rod is a rod made of "sacrificial" metal. Like batteries, the anode produces an electrochemical reaction in the tank. The anode slowly wears away instead of the lining of the tank. As long as the anode is present and functional, almost all corrosion or rusting on the tank's lining is prevented.AccessTo all consumers who are shopping for a new water heater, an important aspect of the new appliance is the accessibility to its anode rod. On top of the water heater is a part called a hex head. It is either visible or not. If it is not visible, the hex head is either located underneath the sheet metal top or is connected underneath the hot water outlet. You shouldn't have to...

Q: I recently received an email that supposedly came from eBay that said someone had attempted to log into my eBay business account without authorization (whatever that means). The email instructed me to click a link to re-enter and confirm my account information to make sure that my account had not been hacked. Being naturally paranoid I contacted eBay directly and found that my account had not been hacked and that this email was actually from someone trying to steal my eBay account information. Is there nothing that can be done about this kind of thing? -- Wesley C.A: The only thing you can do, Wesley, is be thankful that your paranoia kicked in because you were about to fall victim to just one...