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I believe that in order to avoid identity theft we must educate ourselves on the value of our personal data because only then we can learn the habits necessary for maintaining good credit. Not knowing the consequences of handling our personal data irresponsibly is the leading cause of identity theft. I have witnessed my father engaging in such irresponsible actions that led to his bad credit and significantly affected his life. My father has always been losing his wallet once every few years, he…

Your credit score is a three-digit number that can have a positive or negative effect on your financial future. It is a lot easier to get approved for a mortgage and take out a loan if you have good credit. In some cases, having good credit can make it easier for you to get a job. There are many ways that you can hurt your credit. Fortunately, even if you have done things to hurt your credit, there are ways that you can get it back on track. Below is a list of things that can hurt your credit…

abide by the Australian Privacy Principles (APPs) for the protection of personal information, as set out in the Privacy Act 1988 (Cth) (Privacy Act) and any other relevant law. The APPs regulate the way in which organisations like us can collect, use, keep secure and disclose personal information. This Policy is also known as our “APP privacy policy” as referred to in…

“Managing My Money” In order to live a safe, happy, and healthy life, you need to manage your money. It seems simple like instead using your savings to buy a new, cool gadget, you’ll use your savings to buy a book that you need for class or bus tickets for transportation to get about places, but managing money is much more complex than that. It not just planning how you’re going to spend money on the things you want and the things you need. It’s about how you’re going to spend on expenses…

Credit for a Living College is the stepping-stone to the “real-world” that commonly gives students their first taste of independence. Although it may not have hit the mind of some students yet, establishing a line of credit is a vital part of that independence. This is a great time to learn how to establish a healthy line of credit that will benefit and guide you to better financial decisions. Without the knowledge and understanding of credit, mistakes can only lead to a costly path in the near…

Try to avoid giving out any of your personal/financial information as much as possible. Never reveal your social security number to anyone unless it's an absolute emergency or is truly required to carry out some function. Instead, only be willing to use the last four digits of your social security number as means of verifying who you are. Note that there are many companies who are already employing this method as means for identity…

Angel Villa Mr.Schmid Interpersonal Communication Oct. 11 2015 Application Response Paper It’s a saturday and you go shopping to the local supermarket the lines are long the people are loud and you’re anxious to leave.As your turn finally arrives you go ahead to check out so you pull out your handy-dandy credit/debit card you causally swipe your card ready to leave you type your pin in. a few second later the teller tells you your card is not going though. you panic because all these people…

1. Shred your documents. Don’t toss bank statements and credit card receipts in the trash. Dispose of them using a cross-cut shredder or shredding service. 2. Strengthen your passwords. Use random combinations of letters, numbers and special characters. Create different passwords for each account and change them frequently. 3. Check your credit reports. You’re entitled to one free credit report every year from each of the three major credit reporting bureaus. Request one report every four months…

Your social security number is you Identification on life. If it is landed in the wrong hands, then that can cause a lifetime of problems. It can cause your credit to lower, and your identity can be stolen. This is a reason why you don’t post different thing on the internet. Even when using a “secured” website you should always be carful because it could be trap. Internet fraud is huge problem in this day in time. There are multiple companies that are claiming that they can get you more money.…

Ethical Parameters Applicable to Business Situations The FSLA or Fair Labor Standards Act was established in 1938 by Congress to protect workers from exploitation and ensure the opportunity for people to earn a “living wage”. The Principals set forth in the act apply to non-exempt employees. Non-exempt simply means employees that are paid an hourly wage. As the name suggests, there are certain types of employees that are exempt from the rules set forth by the FSLA, which we will discuss…