The Criminal Mind and Identity Theft

After studying human behaviors, crimes, criminals, emotions, thoughts, and various other subjects and surviving many crimes, I feel it is important to understand the criminal mind to a degree when fighting identity theft. This article is geared toward victims of identity theft, or potential victims, however law enforcement may learn a thing or two by reading this information them self.

Thieves do not care what they have to do and how dirty the job is to get it done when desire, greed, and other inhumane emotions flare. Thieves will go through trashcans, bribes employees, break in homes, practice hacking skills, kill, et cetera to get what they want. Thieves utilize power and control, scheme, and contemplate cautiously when carry out crimes. The majority of thieves does not do something spontaneously or act on emotions when committing crimes. Scandalous offenders are often ahead of the game, by planning ahead of the crime and learning strategies as they plan.

The criminal mind is a mysterious, yet familiar habitat. Criminals study forensics, law, technology and other developments and studies carefully to learn how the source acts, respond to crime, plan to prevent, and so forth.

Let me give you an example of a criminal mind by illustrating a case study. One criminal minded soul studied for years how the forensics-investigated crimes, including studying to great links how finger prints and other information was produced during the cases. Thus, the criminal minded individual studied, but relented when he felt there was no way to commit the crimes he had in mind. Therefore, an instance the criminal delayed, however, it does not happen often. Therefore, the criminal minded person will continue his studying by analyzing all the information he gathered throughout his life, until one day he sees a modus operandi that will help him commit the perfect crime. The case study was conducted by myself, however, petty crimes were committed throughout this persons life, and as I helped this person to think logically and avoid criminal activities, I know in time he will do exactly what I encouraged and fought hard to prevent him from doing...that is murder. The person illustrated has Psychopathic Tendencies, Oppositional Defiant, Schizophrenia, Obsessive-Compulsive Disorders, Intermittent Explosive Disorders, and other disorders that pose a serious threat to our society.

This one criminal oriented mind has also stolen, yet was never prosecuted for the crime. The criminal minds are cunning, swift, conniving, venturous, and the list continues. Often criminals are smarter than the average, simply because they have the ability to listen and hear ongoing, yet only listening and hearing the things that help them productively carry out the crimes.

Identity theft is one of the leading crimes in the world that has broken the trust of nearly every one in existence. Nowadays, mothers, fathers, sons, brothers, sisters, daughters, nieces, nephews and other family members find it hard to trust even the people they love.

The world is heading in a disastrous direction, simply because the world has variants of directions to follow with on focus in mind. Who can make more money than the next guy can? This is what our system promotes and pushes, thus why should we expect anything less than identity thieves, murder, and other crimes from occurring.

To protect your self against identity theft you should read all information and adhere to the warnings provided worldwide. While the UK is placing chips in their credit/debit cards believing that they have the solution for fighting identity theft, thieves are conjuring modus operandi to get past the chips are succeeding every day.

Tips for preventing identity theft include:

Remember that anyone, including you can be the next victim. Never set your self up for a hard fall, such as thinking "It only happens to the misfortune." Alternatively, thinking, "It can never happen to me." This is opening your world up to vulnerability where criminals frequent daily. In other words, criminals often search for vulnerable areas to attack.

Tony Robinson is an International Author, Webmaster and Security Guru. Check out his Identity Theft Protection Tips at http://www.officialidentitytheft.com/

How to Avoid Becoming a Victim of Identity Theft

Identity theft is the fastest growing felony in North America. There are ways to reduce or minimize the risk of becoming a victim of identity theft and fraud. I have taken the following steps to avoid becoming a victim of identity theft, and so can you:

Taking care of my personal data - I never give out personal information to people on the phone and to people who do not need to know. A person on the phone saying he is calling from my bank does not need to know my personal information because it is already on the file with my bank. I never print my Social Security or my telephone number on my personal bank checks. I would unnecessarily be passing out information to people who need not know.

I have had Scamsters call with offers to receive a prize or some valuable item, and asking for my personal data, such as Social Security number, credit card number or its expiration date, or my mother's maiden name.

While on the move - If I am away for some time, I have my mail held up at the post office, or have someone I trust empty my mailbox daily. In case I need to communicate some personal information to someone, I trust. I make sure I am in a booth where no one can listen to what I am conveying.

Checking financial information regularly - I regularly receive my monthly bank and credit card statements. If this becomes irregular, I check with the concerned institution immediately to ask what is going on. Chances are that my bills are going to an address I have not authorized. Someone may have assumed my identity and be improperly using my accounts. If so, I would immediately start proceedings to cope with this identity theft to put a stop to it.

In the next article of the series, let me tell you how I would cope with identity theft.

Jon publishes articles and ebooks to help individuals with their personal finance needs and goals

Protect Yourself from Identity Theft

Identity theft has become the fastest growing criminal activity in the 20th Century, replacing illegal drug sales. For the perpetrators, it offers the highest profit margin with the least risk. In fact, according to one expert, it is estimated that fewer than 1-in-700-identity crimes actually result in a conviction.

In the United States alone, Identity theft has reached $53 billion dollars a year. Consumers are directly shouldering about $5 billion of that, but the rest, which is paid by businesses and retailers, is passed on indirectly to consumers who are paying more for goods and services.

How BIG is this Problem?

In recent months, there has been a rash of reports about big thefts, where criminals are stealing identities in mass quantities. Banks, credit card companies and businesses that house servers storing passwords or other sensitive, private information have all reported "break-ins" that happened through the use of Trojan viruses and other online hacking methods - resulting in the loss of millions of pieces of information being stolen. There have also been instances of the information just getting "lost", of employees selling it and other lax security measures resulting in the same thing - thieves having access to your identity.

What do Thieves Want?

- Your Name - Date of Birth - Home Address - Phone Numbers - Social Security Number - Driver's License Number - Credit Card Numbers - CW2 Security Code (the number on the back of your credit card) - Your Credit Report - ATM Cards - Telephone Calling Cards - Mortgage Details

Where Are They Getting All Your Information?

High-tech methods include online thefts from:

- Banks - Credit-Reference Agencies - Retailers - Credit Card Networks - Data-Brokerage Companies - Payment Processing Companies - Phone Companies - Schools - Your Employer - Doctors, Clinics and Health Departments - Government Agencies

But there are still low-tech methods that are effective as well:

- Dumpster Diving - Mail Theft - Retail Theft - "Phishing"/pretexting/pretending - Purse/Wallet Theft

What are Thieves Using Your Information For?

- Making charges to your existing credit cards - Opening new credit cards in your name - Having phone or utilities turned on - Withdrawing money from your existing bank accounts - Employment purposes - Driver's Licenses - Tax Fraud - Social Service benefits - Student loans - Business or Personal loans - Health care - Mortgage loans/leases - Auto loans - Using your ID when caught committing a crime

How Can You Protect Yourself?

- Keep a photocopy of all your credit cards, bank account numbers and investment account numbers in a safe place - Keep your credit card receipts - don't throw them away in a public place - Put a "fraud alert" on all your credit reports - If you apply for credit and the card doesn't arrive on time, call the card issuer - Choose difficult to guess PIN numbers or passwords. (Don't use birth dates, your mother's maiden name, pet's name, etc.) - Never give personal information to anyone who sends you an email, a letter or calls you asking for it - Shred any personal information - such as bills, credit card or bank statements, even pre-approved credit applications before throwing them away - Don't use the ATM machine if someone is watching you - Pay attention to what's going on around you - cell phones often have cameras in them. If someone is standing close by you with a cell phone while you're entering a PIN number at the ATM or in line at the grocery store, block their view - Review your bills each month for unusual or suspicious charges. If there's something you don't remember or doesn't seem right, call the creditor right away - Check your credit report at least once a year - Store your cancelled checks safely, or better yet, have the bank do it. You can always get a copy if you need one. - Don't leave your purse in plain sight when driving - Keep your valuable locked in the trunk or glove box when driving - Make all personal information on your laptop or computer password protected - Don't carry information about your PIN numbers, passwords and account numbers in your purse or wallet; or at least don't make them easily identifiable as to which account they belong to

Warning Signs that Your Identity Has Been Stolen:

- Although you have good credit, a loan application is denied, or you're refused extended credit requests - You are suddenly contacted by a debt-collection agency - Your purse or wallet has been stolen, or your house broken into - There is unfamiliar activity on your credit report

What to do if it Happens to You:

- If your purse or wallet is stolen, call the police immediately, and file a report. Make sure that you're given a report number - Contact your bank, credit card and other credit extending companies and report the theft - Close the accounts - Contact the credit-reporting companies in your area, and report the theft. - Review your credit report every 90 days for the next year for suspicious activity - If there is fraudulent activity, have it removed immediately and monitor your credit report every 90 days for the next year - Put everything in writing, and follow up with your credit card companies, banks, and credit reporting agencies. Keep copies of all supporting documents - File a report with the Federal Trade Commission - Change the passwords on your existing accounts and create new ones for new accounts

Identity theft is real, and it's a growing problem, and it could happen to you. Although there are no guarantees that you can keep your information safe, by paying attention to the risks and taking proactive steps to protect yourself, you can minimize your chances of someday having an "identity crisis". Good luck!

David Neese is a real estate investing author who offers a free course for real estate investors delivered by email, audio and teleseminar which you can get for free at: http://www.FreeRealEstateInvestingCourses.com You can find more information about David at http://www.DigitalSuccessCoach.com

Preventing Online Identity Theft

Identity theft is one of the most common criminal acts in society today. Criminals will use your personal information such as banking accounts and passwords, to pretend that they are you. They may take out credit cards in your name, mortgages, or even worse. The internet has opened up a whole world of possibilities for these criminals, and the threat is very real. There are things that you can do to help prevent such a crime. It costs very little to protect your information, and it is money well spent.

The following is a list of tips to help you protect yourself from identity theft. Search around for the best price on these services, to make the most out of your money.

1. Monitor your credit report often. The U.S. government suggests that you check your credit report yearly to prevent identity theft. Every person is entitled to one free credit report a year though www.annualcreditreport.com. I would suggest checking your credit report several times a year for the highest level of protection. Look for unexplained charges or activity on your report. You can often sign up for a credit monitoring service for a few dollars a month. They will watch your credit report for you, for signs of foul play. For a good deal, look for a credit monitoring service, you should be able to get a good discount on various services online.

2. Bank with a credible bank. Stick with a financial institution that is well known. No only will they offer you the highest level of protection, but they often have the best interest rate deals around. Get your credit cards through reputable companies as well. Be weary of small companies, with little credentials.

3. Dont give out your personal information to anyone. A good financial situation will never ask for your login information or passwords. Be weary of anyone that asks you for your mothers maiden name. This is one of the most common items used for identity theft. Use your birthplace or pets name whenever possible. It will be harder to steal your information.

Protecting yourself online doesnt have to cost an arm and a leg. By looking for deals and promotions at coupon websites, you can save a great deal on the services that you need. I would recommend using the free credit report option, coupled with a credit monitoring service for the best protection. The earlier you catch criminal activity, the less damage they are able to do.

Melanie Breeze, avid online shopper and user of http://www.CouponChief.comis always shopping around for the best deals. You can find credit company coupons including more discounts available for web services at CouponChief, all in one location. Finding a coupon before any online purchase helps you get that extra discount!


Simple Search Engine Optimizationsteve loszewskiSearch Engine Optimization Made Simple
Very few topics have inspired as many tangents, as much false information . . . incurred as much abuse as search engine optimization. With the few shreds of information search engines reveal about their actual methodologies, optimizers struggle to get that extra edge over the competition, armed with esoteric theories of keyword density, precise meta-tag length, optimal internal linking, and just about any other detail that a search engine might happen to factor into its rankings. Before you find yourself scrambling to create ten more content-less pages to avert that worst than death curse of decreased PageRank, try to take a look at the big picture. Barring design factors that may not be search engine friendly, a strong foundation based on four factors will give your site good success. These factors are the holy grail of optimization:

1. Get relevant links to your site anchored to keyword rich text.
2. Write focused body text that targets specific keyphrases or that is focused on a specific topic (This occurs naturally when someone is communicating useful information. This can be a problem because a lot of businesses dont have anything useful to say. Be detailed. Be helpful. This can naturally accomplish what automatic text generators try to accomplish through keyword density and keyword proximity calculations).
3. Write concise titles focused on useful keyphrases.
4. Be patient. You may not be using the best strategies, but youre using strategies that work over time. Continue to get links and create more content.

Find the Words
Before you can write good, keyphrase-focused body text or titles, you need to find the phrases users search. For good keyword suggestion tools, search Google with (surprise, surprise) keyword suggestion tool. Digitalpoint.com has an excellent tool that compares Wordtracker and Overture keyword results. Judge from the search volume how competitive each word is (not even close to the best method, but itll have to due). Be specific. Pick words with large search volume and search with geographic terms if you serve only a specific area. From the list of keyphrases, start thinking about the topics youll want to target. Find a few phrases for each page in your site. Remember to focus on phrases and not separate words make sure these phrases appear in your body text.

Titles
HTML titles go between the title tags in your sites code. Write short titles that use one or two keyphrases. Dont use the name of your company unless you are trying to brand the name. Include location if you target certain areas, and make sure your pages repeat this location information in the text. Your body text should be written to fit the phrases in your title.

Body Text and Navigation
Be specific about what you are talking about. In your navigation dont use generic linking text like home or about us. Use specific phrases. Instead of home use the name or category of your main service/product, and make it obvious from the context that this is your main page. Instead of about us use a phrase like A (main product/service) Company. This communicates more information to the user and includes a keyphrase. Where appropriate, make the same type of substitutions in the body text. Use variations of nouns and verbs, including plurals and different conjugations.
If you can, use the heading tags (h1, h2, etc.) to write text titles. Try to communicate as much as you can in text search engines dont see the text in images, or fancy media like Flash. Alt tags are useful, but search engines dont put as much weight on them as visible text. In general, whatever has a greater chance to be seen by the user is going to get greater weight from the search engines (Except for those things produced by JavaScript, or Flash, or written into an image use common sense).

Build Links
It is remarkably easy to get your site indexed by the search engines just submit to some of the many free directories. To find some of these directories search for free directory list in Google. Be careful to read submission guidelines, and be very careful about what you submit to large directories like DMOZ. Generally, titles should not be a list of keywords. Most directories only want your homepage and the official title (somewhat ambiguous term) of your site with a short description. Descriptions should be factual, and they should be written in complete sentences or meaningful phrases. Some optimization companies will rip you off by charging you money to submit your site to the major search engines this is a waste of time. Start building links, and the search engines will find your site naturally, submitting makes no difference in your rankings.
It is important to get links from sites that are related to yours. Write webmasters requesting a link, find niche sites that offer free submissions, write articles for sites that allow you to put down a signature link, or post comments in forums that allow you to put down your signature.
If you exchange links, be careful who you trade with. Get listed wherever you want without fear of penalty from the search engines, but be careful who you link to. Your site can get penalized for linking into bad neighborhoods spamming the search engines.

It Never Ends
Expand your site and continue to tell people about its content. Its an ongoing process. The older your site gets, the more credibility it can gain with the search engines. Keep your content fresh. Check the search engines to see what they have indexed (search site:www.domain.com). Be patient and keep up with search engine changes.

Steve Loszewski contracts out to Pure Visibility (http://www.purevisibility.com) for search engine marketing services.


Associated Myths in MLMJoseph ThenThe MLM business is so popular among people that some of them are totally ignorant about the fact that it takes hard work and days of sweat to make it big. There are number of myths associated with MLM business. Whether a person is a fresher or an expert, anyone hardly knows about MLM business in depth. Some of the associated myths are:

Online MLM business makes lots of money in just one month

This is the most destructive myth among the lot of many such myths. People think it is the fastest method of getting rich. They pool in some money from here and there and invest them in MLM business. After a series of failures they realize that it's not just the money that is lost but time too. Only the established and experienced people earn about $ 1000 in a month or so. All those who start from the grass root level can never earn this much initially.

Companies lure by giving attractive ads

When some companies big promises it simply means that if you follow them you get ruined or the company gets ruined in a couple of years or so. Imagine you had made some residual income and lost it after a short span of time. How would you feel? A genuine business should multiply its own money and not divide it with time. Try to stay away from such lucrative but destructive ads. Don't believe them unless you find them out yourself. It can be fatal.

The more sales you make the more you generate money for yourself

The fact is totally opposite of what people think and say. Too many people come together and help each other but in the end make too little sales in MLM business. Distributors make money initially, sometimes quickly, by recruiting family members and friends etc to form a big downline. They get hefty commissions in return, that is how they make quick money. Gradually, all of them start losing all their money; simply because they couldn't mange to sell the product and all there effort and money go in vain. The bottom line is that you make money by enhancing your downline and not by making sales. Sales are the rare possibilities in MLM business.

You are the first member of the company's family tree and you construct the organization downwards

People jump and grab the opportunity thinking that they are going to be the director or the head of all the people they bring in to form a downline. They carry this attitude to work too and suffer all the more. Only with the passage of time do they realize that they are at the lowest level and there is no one actually superior or inferior to them. Ultimately they find out that there is actually no one in the organization. They begin and end at the same level. The factor or the attitude that works in MLM business is that everybody is at the same level. All of them should help each other and contribute their share of hard work to build the company.

In building a home based online MLM business, initially your work would demand you to bring in few but efficient people and provide them all the motivation and aid so that they make sales. Once the team is established and a helping attitude takes firm hold in the team, half the battle is won. To further build your organization just put in your heart and soul to it, nurture it, and let it grow naturally. Then there's no looking back. You would definitely make a mark.

Joseph Then operates Sign ups company that helps thousands of online MLM marketers increase their downline for the past 5 years. They have served over 3,000 customers. You can visit the site at http://www.trafficforless.com


Getting started with RSSJorge GonzalezRSS is probably the biggest and latest buzzword among the techies, just after blogs. But what is RSS anyway and how can you start taking advantage of it?

RSS is a format to provide headlines and summaries of information in a simple and standardized way.
Think of it as a distributable "What's New" for websites.

RSS is great for users because it saves users from having to repeatedly visit favorite websites to check for new content or be notified of updates via email.
It can give a glimpse of a site's latest concrete contents (no design) in a second.

RSS is also great for site owners because:
- The summaries of their content can be republished all over the web, which gets new links and visits to the site.
- They get more returning visitors, since users can suscribe to the feed to keep up with the site's updates.
- More profits: RSS feeds can contain ads, such as Google Adsense.

RSS feeds can be used for:
- Blogs entries
- Forum entries
- Articles
- News
- Events
- Latest products / discounts / specials
- Music (podcasting)

There are several ways to read an RSS feed:
- Using your browser or even notepad --since it's just an XML file (formatted flat text).
- Using a standalone desktop aggregator --such as FeedDemon, SharpReader, RssReader, and others.
- Using your e-mail client --NewsGator Email Edition plugs into Outlook Express, Eudora, Entourage, Apple Mail, or other POP3 e-mail clients and lets you receive RSS feeds right in your e-mail window. The same company's Outlook Edition integrates RSS with Microsoft Outlook. And Mozilla's Thunderbird e-mail client comes with RSS-reading capabilities built in.
- Using your mobile device --using a service such as FeedBeep, NewsGator Mobile Edition, Yahoo Mobile, or Elfinland.

To create an RSS for your own site, there is the option to create it by hand, or using a software like FeedForAll, or an online service like RSS creator (http://www.webreference.com/cgi-bin/perl/makerss.pl).

Finally, to search for established RSS feeds you can use our very own RSS search engine (http://www.yourfeeds.com), and to quickly submit your RSS feed to several directories, you can use our RSS submit tool (http://www.yourfeeds.com/Submit-RSS.aspx).

Jorge Gonzalez is one of the creators of the YourFeeds.com RSS search engine: http://www.yourfeeds.com


Benefits of Integrating Online Chat Software with CRMBruce ZhangCustomer Relationship Management (CRM) is a strategy and processes used to learn more about customers' needs and behaviors in order to develop stronger relationships with them. CRM applications are traditionally developed as client-server software. The proliferation of the Internet and the Web has fueled the rapid growth of Web-based CRM or online CRM applications. Web CRM systems are widely deployed for Web based call center, contact management, trouble ticket, personal information manager and scheduling. As more and more corporations use chat software to provide quality customer support, many CRM vendors have built chat functionality into new generation of Web-based CRM systems.

The first generation of text-based online chat software was developed years before the World Wide Web (WWW) gained its popularity. The new generation of Web-based chat software is much more user-friendly and is powered with audio and video chat.


There're many benefits to integrate chat software into CRM systems.

1. Many customers have experience in using chat software

New technology is often challenged by user acceptance. Fortunately, online chat has been widely accepted by average Internet users. It is estimated that tens of million of Internet users login to online chat rooms regularly. In free adult chat rooms or free teen chat rooms people talk about anything under the sun - love, pets, music and games.


2. One customer service representative is able to support multiple customers at the same time.

It is common to wait 30 minutes or even more before a customer can talk to a support representative. With chat software, customers have a better chance of instant access to a service representative. One support team member may be able to chat with a few customers at the same time.


3. Chat software can automatically log a support chat session

Call center software is capable of recording support conversations. However, it requires extra cost to convert audio recordings to digital information that a computer can understand and extract valuable information from. Chat software, on the other hand, can be easily configured to automatically log a support chat session.

Bruce Zhang writes about Internet technology and online culture. chatjungle.com is a good place to experience free adult chat rooms http://www.chatjungle.com/adult-chat.htmlor free teen chat rooms http://www.chatjungle.com/teen-chat.html