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Can Christians Be Capitalists?
Examines the nature of market capitalism and compares it to the teachings of Jesus Christ in the gospels
Can Christians Be Capitalists?
For reasons of space, we have to be very concise in this article. By Christian we mean people who put...
Online Education Busts Public Schooling
Critical innovation in education
Progress is inevitable and sometimes it is difficult to reflect on its future impacts. Though, notwithstanding all its ulterior dangers and unexpected consequences progress and technological advances...
Organize Your Children & Save Your Sanity
It may be difficult to relate saving money with organization but the two terms really go hand in hand. If you are able to organize right down to the smallest detail, then not only will you save yourself countless panic headaches, but you will have...
Protein - Its Place In Your Weight Loss Program
Any food that we take into our bodies is composed of macronutrients, micronutrients and water. The macronutrients (macro = large) are protein, fat and carbohydrates; the micronutrients (micro = small) are vitamins, minerals and trace elements....
The implications of being a nice guy
What does it mean to be a nice guy? Is it really a bad thing? Why is it that so many women treat men the way that they do? Well to me the answer is so obvious now it is impossible for me not to see.
I used to think there was something...
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Shoppers Beware - 'Tis The Season
It’s the number one complaint from consumers and it only takes a moment for you to become a victim. While you search for holiday bargains, identity thieves are searching for targets - unsuspecting consumers. Here are some tips to help you safeguard your identity and other valuables:
1) Protect your account numbers - Most stores only print the last four or five digits of the charge account on your receipt. However, some stores haven’t caught up with technology. If the merchant makes an impression of your charge card, be sure to ask for any carbons that are part of the receipt. “Dumpster divers” can lift account numbers from discarded carbons to steal your identity and your account information.
2) Protect Your Social Security Number - If you are asked to provide a SSN when making a purchase, challenge the cashier as to why they need this information. Request that some other form of ID be used instead of your SSN. There is no valid reason for them to request this information. You provided it when you applied for your account so they should already have this on file.
However, if you’ve opened a new account, don’t be surprised if the cashier asks to see some form of picture ID, such as a driver’s license. Don’t view this as an imposition, remember that the store is actually taking steps to protect you - making sure that you are the account holder.
3) Keep an eye on your charge cards and receipts - Don’t let your charge card leave your sight. Most cashiers will keep your card so that they can verify the signature on the receipt. However, sometimes they simply swipe your card, then hand it back to you or put it on the counter for you to retrieve. Check that the card you’ve been given back is yours and not someone else’s. Occasionally, mistakes can happen, especially when the store is busy.
Also, make sure that
you take your receipts with you. You’ll need them to verify your purchases when your bills come in January and February.
4) Watch for pickpockets - Professional pickpockets love the holiday shopping season. Open backpacks, large shopping bags and unstrapped purses are a pickpockets dream. "Be wary of the distractions around you, because that's what the pickpockets like. They usually work in teams," said Edward Gross, a Chicago police officer. “They usually work in teams. For example, one of the team members fakes a fall and when an innocent person tries to help that's when the other pickpocket lifts the victim’s wallet.”
5) Use a credit card and a secure site when shopping online - Paying by credit card is the safest way to pay online. It protects your legal right to dispute charges for goods or services never received, never ordered or misrepresented.
When you get to the merchant’s payment page, the “http” at the beginning of the url address should change to “https” or “shttp”. This is a sign that the site is encrypting or scrambling your credit card information as you send it to them. Many browsers will even alert you of this via a pop-up window. Whenever possible, print and keep a receipt of your online transaction in case you need it later.
Happy Holidays!
© 2004, www.yourfreecreditreportnow.com
James H. Dimmitt is editor of "TO YOUR CREDIT", a weekly free newsletter to help you manage your personal finances. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com. He is also author of “Identity Theft - How to Avoid Becoming the Next Victim!” available at http://tinyurl.com/bc45.
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