Debt Validation is a process of someone challenging a debt collector (collection agency or attorney) to provide written proof of the debt. Why You Should Care About Debt Validation? Have you ever wondered why a collection agency is legally allowed to collect your debt on behalf of the original creditor? Think of it in these […]
Yahoo’s Spend on ID Theft Protection in 2014: Not Too Bad
Yahoo recently, and by recently we mean a few years ago, started realizing the potential threats of identity theft. Because of this, they decided to invest in some form of #IDtheftprotection for their CEO, Marissa Mayer. In the year 2014, Yahoo had spent approximately $26,891 to keep her identity secure. Kind of seems like pocket money from a multi-billion dollar company. Is that really enough to keep this head of a huge companies identity safe?
ID Theft Protection is crucial to have! Don’t think you’ll run into this problem? Neither did Yahoo’s CEO…click here for more info.
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Millennials are a difficult topic to talk about. Baby Boomers seem to hate them, others seem to love them, and the small generation in between just seems to be confused by them. I mean, you can’t please everybody, right? They are seen to be this new generation of kids who are independent, free-spirited, and have passion for everything. But did […]
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What the MINIMUM Wage Is for U.S. Prisoners Today
Minimum wage is something that everyone dreads hearing, mostly because it's not typically enough for the amount of work that you're putting into your job, or at least you feel that way. Well, in some states, minimum wage for prisoners working is just that, the bare minimum. In the state of Nevada, prisoners make around $0.13 an hour. However, in other states, such as Texas and Georgia, they show no mercy. The MAXIMUM wage for a day of work for a prisoner is $0 a day. The average wage for a days worth of work is anywhere between $0.93 and $4.93, which is about half of one hours worth of work anywhere else.
Thought slavery was abolished in the 1800’s? Think again. Slavery is still among us today, and affecting the U.S. job market. Click here to learn more.
Let’s be honest here: those ‘personal loans’ we keep hearing about get a nasty bad rep in the financial arena, for obvious reasons. Either you can’t ever get approved for one, or they get you into more trouble than you’re already in. So generally speaking, many frown on the American institution known as the personal loan. […]
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Forget the fact that the transition’s happening right now as we speak. Forget the fact that even consumers are a bit wary despite the fact that there are these reasons why people shouldn’t worry. The new credit card chip technology, EMV, is coming. It most definitely will stick. It will stay. And while it’s going to be a long transition (imagine how many stores in the entire nation will have to be fitted with these new credit card reading machines), and card companies will be slowly rolling out these new bad boys, the fact of the matter is this — businesses are straggling to catch up.
That May Not Necessarily Be a Bad Thing, However….
It just so happens, though, that the new cards (for those who don’t have them) will be functional both ways, just to ensure that there are no problems. That means your magnetic stripe credit card might already have a microchip installed already. However…. Businesses need to get ahead right now given the fact that Visa and MasterCard have officially renounced any accountability for credit card fraud.
What does that mean? That means you, the business, will be solely responsible for compensating a customer who’s suffered from ID theft. Not something you want to deal with.
The Fact Is Credit Card Chip Technology Is the Wave of the Future
Only a quarter of merchants in the country have the readers built-in and operational to run the new computer chip credit cards. The technology’s safer. It’s been proven in other countries; sadly, the U.S. is the last to convert.
As a support and due diligence to your customers, we make it a point to invest in the technology and get yourselves ready for the transition before you lose out on more of your resources due to credit card fraud and such. It’s still a big game-changer as far as white-collar crime is concerned. So don’t hesitate. This is the name of the game for business these days.
You Need Help Managing the Finances of Your Business?
Cloud Based Bookkeeping can do it. We’re consultants. We have access to the resources you need to protect your funds, your sensitive information, your taxes. Everything. Even when it involves this new credit card chip technology. Visit our Google+ page as well and then sign up today!
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Businesses have to be keen on this new development in the financial stratosphere when you’re thinking about it, for plenty of reasons. Aside from the fact that the transition to credit card chip technology will incorporate a nationwide spread of new card-reading machines (more investment for businesses, unfortunately), there’s one other subject companies everywhere would love to learn more about: identity theft.
Will This New Credit Card Chip Technology Protect More?
Good question. This doesn’t just revolve around the consumer, but the business. Ever lend your business credit card to the intern? Not a smart move…. You can imagine just how important it is to ensure that credit card fraud never steps foot into your business, and the concept of someone stealing somebody’s information — either customer, client, or business — is earth-shattering at best.
However, the computer chip raises a beautiful question. Hackers don’t care. A chip can be hacked into. But everyone’s saying that this new credit card chip technology’s going to change the landscape as far as credit card fraud and ID theft is concerned (it’s already happening a ton overseas where EMV’s been changing the way people spend money).
Here’s why credit card chip technology will make things better — the main problem with the magnetic strip credit card is the fact that the strip holds all the data and it never changes. That means if anyone ever gets a hold of your one little strip (they don’t even need to steal the card) and copies it (that’s really all they need to do), you can go about your life still having your card (no one stole it!) while some ID thief runs around with a copycat card, spending all your money.
What the computer chip-enabled card does, however, is allow the user to swipe it, have the machine read it; and the chip itself develops a unique ‘transaction code’ that can never be used again. It, therefore, means, you can buy 15 separate candy bars, the card will read it 15 separate times, and each time will be virtually unique from every other time.
Not one thief would be able to steal your information. Each transaction is encoded through the chip and never gets stored anywhere. It’s processed and then dies a lovely death in cyberspace, basically. Therefore, your information can’t ever be pulled from the card.
Of Course, These ID Thieves Are Resourceful!
The hope is the new credit card chip technology will change the way credit card fraud happens. As in never. But the problem with ID theft is there’s always a way. It’s like that bad penny always turning up. The good news is that this new development will certainly make it easier for Ultimate Identity Protection and other partners to do what they do best. Protect your identity.
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Transitions are never fun: maybe you’re looking to buy a new home in this growing real estate market, or you’re fixing to enroll in school for another degree. Changing jobs maybe? What with the fluctuating economy, whatever decision you’re going to make is about the equivalent of stirring up a hornet’s nest. Such is the case with this massive yellow jacket of a transition: chip-enabled credit card technology, also known as EMV. And as of this past October, guess what — you’ll very soon be forced to use these new type of credit cards.
Fear Not, Though, and Don’t Be Frightened — Chip-Enabled
Credit Card Technology Won’t Sting
Aside from the fact that the U.S. is at the moment the last country on the planet to use the old-fashioned magnetic strips you find on credit cards (Europe and other countries utilize EMV religiously, along with PIN identification for further prevention of ID theft and credit card fraud), you have three reasons to believe that everything should be okay as the commercial industry, specifically regarding credit cards, will do just fine with this new chip-enabled credit card technology:
- Go Ahead and Keep Your Mag Strip Credit Card for the Time Being — You’re going to need it for a long while, and here’s why.
- We Already Mentioned That EMV Protects From Fraud a Whole Lot Better — The question is this: how?
- Businesses Are Going to Need to Convert Anyway — In a way, businesses have to be much more nervous about this new transition than you, as the consumer. Here’s why.
And that’s just the start. There will be numerous other benefits associated with chip-enabled credit card technology as EMV continues to flourish and dominate the spectrum.
The Best You Can Do Is Be Prepared
Those credit card companies won’t spring the new cards on you while you’re not looking, just so you know. It will be a transition, not a big surprise. But a good transition at that.
The post 3 Reasons Why You Shouldn’t Worry About Your New Chip-Enabled Credit Card appeared first on OWNWITHHOPE.
As seen here, the expectation is people may be wary about the whole credit card switch thing from magnetized strip to tiny computer chip (especially with credit card fraud always being a problem) despite these three reasons why we shouldn’t be scared. We’re protective over our plastic! However, fear not: this isn’t a change that’s […]
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Think of a business as a big tree. With lots of branches. Now picture #crowdfunding as the fertilizer, sunlight, and rain as the way that tree continues to grow. That's the entire metaphor around SeedInvest, a platform dedicated to GROWING the investor base. Want to know just how many investors you can potentially reach for startup capital? Try over 12K.
We'd say you're set for good. You can even utilize social media tools and advertising through SeedInvest to maximize chances of finding as many of those investors as possible. Now THAT is a branch that's blooming big.
Don’t get us wrong; we love Kickstarter for crowdfunding. But when it comes to business startup crowdfunding, we need something more corporate focused.
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