Business

stop identity theft

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The Federal Trade Commission reports that identity fraud occurs once every two seconds.

Someone right now is losing or compromising their identity. Unfortunately, many of those victims are in my hometown of St. Louis, MO.

A good example of this growing problem, St. Louis ranks third among all metropolitan areas nationally for identity theft. Missouri also ranked first ahead of Connecticut and Florida in identity theft complaints according to a 2015 survey conducted by the Consumer Sentinel Network, an online database of consumer complaints available only to law enforcement.

A 2016 Identity Fraud Study, published by Javelin Strategy & Research, found that $15 billion was stolen from 13.1 million US consumers in 2015. Over the past six years, identity thieves have stolen $112 billion.

Identity theft can run the gamut, from credit card fraud to loans to new accounts opened in your name. In many cases, the victim will have to fight to get her name back. The process can take months or even years to repair.

Both companies and individuals can be vulnerable. Despite the high probability that your identity will be hacked, stolen, or abused, there are steps one can take to help prevent identity theft from occurring.

These include protecting your information online. With the rise of online banking and shopping, your passwords and logins need to be cleared regularly, especially if you work on a public computer. These must be changed monthly.

Credit cards must be used for online purchases. Federal law provides better safeguards for credit card protection than other options. Use them instead of online payment services or debit cards.

Avoid sites that may look like a bank but are actually what is known as a phishing scam. They will try to get you to enter your personal information. Make sure you are on a website that is familiar and safe before you provide detailed background data.

Bank and credit card statements should be monitored. Check for odd purchases, ones you’re sure you didn’t make. Companies may have dozens of pages to review each month. Individuals not too many. Regardless, these reports should be reviewed periodically.

Credit reports should be used several times a year. People are entitled to free annual credit reports by law. These are available at all three offices Equifax, Experian, and TransUnion. Businesses can check with Dunn and Bradstreet. Beware of fake sites that will try to charge you for similar reports and other unnecessary services.

Your children’s activities may also be inadvertently opening doors to your family’s data. Forms for schools and social organizations should be reviewed especially when social security numbers and credit cards are needed to participate. Parents should ask how the information will be used and how it will be stored to eliminate potential infringements.

Finally, hiring an identity theft prevention company can provide a combination of preventive and reactive tools to help maintain your identity and credit. These may include fraud alerts and credit freezes. Some services provide unlimited protection without limits in case your assets are compromised. Programs are available to the entire workforce as well as individuals.

As the old saying goes, “an ounce of prevention is worth a pound of cure.” A saying never more appropriate when your identity is at risk.

Home Kitchen

Benefits of granite countertops

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Granite is a volcanic rock formed when molten volcanic lava cools. This is one of the hardest rocks known to man and since no two rocks are alike, it creates unique designs when used to make countertops. In your kitchen, these counters will turn it into an ultra-modern work of art where you and your family can enjoy preparing and eating your meals and snacks.

Granite countertops are strong and durable. This type of rock is easy to work and also long lasting. The hardness of the rock contributes to the solidity of the countertop. Placing heavy or hot objects on the counter will not harm it. It is this characteristic that makes granite ideal for creating countertops in the kitchen.

Granite countertops also come in a wide range of colors. You can expect granite from different volcanic sites to have different color properties, as they tend to blend with the surrounding mineral when the volcanic rock is cooling. This is a unique property that ensures that no two countertops will ever be the same. It’s like they say about human fingerprints, no two are alike and rocks taken from the same spot will have some slight variations in pattern. You can find granite mainly in gray to black colors, but you can also get brown, red, blue, and green.

These countertops are very easy to clean. The granite is finished and polished so that it is smooth to the touch. Using a good kitchen towel, you can thoroughly clean up spills when they happen. Using a cleaning agent, you can clean the counter of any grease that may accumulate while cooking. This ensures that you have a clean and safe surface on which to prepare meals for your family.

These countertops are expensive and therefore need to be properly maintained. If cared for properly they will last a long time and will continue to add value to your kitchen and home as well. Choose from a wide variety of countertop designs and enjoy years of clean, durable and beautiful countertops in your home.

Extending the life of granite countertops

Polished granite would be the countertop choice for most people, but it turns out that these types of countertops can be quite expensive. A granite countertop is a beautiful piece to add to the kitchen and serves to add to the aesthetic appeal of the kitchen due to its innate magnificence.

Granite countertops are meant to be the perfect kitchen surface for placing all of your hot items, chopping vegetables, tidying up groceries, and performing other kitchen tasks. You may want to reconsider this thought as these countertops are expensive and therefore need to be used and maintained properly. Although the stone is very hard, it has brittle properties and can easily chip, not to mention its semi-porous nature. Therefore, you should use trivets to place hot items and the usual cutting board for all cutting tasks.

If you spill liquids such as milk or juice, you must wipe them off the counter immediately, otherwise they will penetrate the semi-porous structure of the granite and become impossible to remove. These absorbed liquids can leave permanent stains on the countertop. As for the brittle nature of the work surface, dropping heavy items like steel pots and pans, or using the work surface directly for chopping and dicing, can end up with chips, scratches, and cracks in the surface. of work.

If you want the countertop to grace your kitchen for a long time, you must be prepared to take care of it. Granite countertops are installed using a stencil process. When your kitchen cabinet is being installed, the supplier will come over and take measurements which will then be taken to the manufacturer to design your countertop. While it’s being crafted, they’ll set up a temporary kitchen for you.

This installation can take anywhere from a few days to a few weeks to complete depending on the orders the supplier has to deliver, hence the need for a temporary kitchen so that your life is not affected while you wait for your countertop to be installed. Granite countertops are great and need to be used and maintained well.

Relationship

Movie Review – Haven (2004)

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I rented this DVD because it said on the back that it was made by the “same team” that brought us Crash. Since Crash has been one of my all-time favorites, I thought I would be treated with the same level of intelligence and excellence, nope!

This is basically a 115 minute hip-hop music video with almost a “guest appearance” from Bill Paxton. If Haven had entered a camera technique contest, she could have won the “Golden Hand Camera” award. But thousands of clever close-ups, breathless editing, and a beautiful island don’t make a movie.

The story is mind-bogglingly simple and hackneyed. Two con artists (in Florida?) evade the feds and jump to the Cayman Islands. Bill Paxton is one of the bad guys who brings his teenage daughter to the island and an obscene amount of cash wrapped around her body.

At that point, the plot breaks and we are introduced to a whole new set of characters consisting of a poor fisher boy, a beautiful black girl (bearing a strong resemblance to Thandie Newton from Crash) who comes from an upper-class family, and his jealous brother who would stop at nothing to stop his sister’s affair with the working-class boy from the wrong side of the marina.

This “Caribbean Romeo and Juliet” theme is suffocated under layer upon layer of drugs, alcohol, endless parties around pools where anything goes, lots of swearing, swearing and posing by an army of flashy gang members with too much testosterone for their own good. … going round and round in endless wash cycles.

And what about the character of Bill Saxton and his daughter? I think at some point he finds himself on the receiving end of a gun and agrees to part with his money.

And to the boy Romeo who loves the girl Juliet something bad happens but in the end both main characters have a Socratic conversion and deny all drugs and violence.

So we stand there twisting in the gentle trade winds with no closure in sight, but the music still playing in the background if it’s any consolation.

I have a feeling that, long after the most discerning moviegoers got up in the middle of this Crash copycat and went home, the Haven crew was still partying in the Caymans.

Health Fitness

What is the best workout ever invented?

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You see, at a time not too long ago (60 years and earlier) the world was a less electronic, digital, robotic, and stress-filled world.

Manual labor was the norm. Automobile, steel, and other industry-related factories demanded more muscle power from workers than they do today. A day at work was physical and demanding. It was an exercise!

Guys who wanted to get bigger and stronger needed to train with weights. They needed to lift weights and eat healthier foods.

What did you do?

They did what all the toughest, most muscular men (then they were drug free) were doing and had been doing for 100 years. They trained with weights with a proven and timed result and training program and diet.

And it worked: These guys got bigger, stronger, and better looking without all the cardio and weight training equipment. There was no “magic bullet for energy or muscle building” to waste your money on. Just solid, basic and simple training methods that produce results.

There were no special “man cave, cave woman, Italian, Greek, NASA, low fat, high fat, eat breakfast, no breakfast” diets at the time.

The diet consisted of eating lots of clean, healthy, natural and varied foods and you will build muscle diet. Train hard and stay away from junk food and you will lose body fat. There’s no need to live like a hamster in a cardio lifestyle on wheels.

Yes, there have been improvements in some of these areas of fitness, but if you take the time and google these men, Vic Tanny, Jack Lalanne, Eugene Sandow to name a few, and look at their photos, you’ll see that they haven’t. they are just robust. muscular, lean, handsome men, but they were also healthy and didn’t live in the gym or spend all their time measuring every ounce of food they put in their mouths.

It was when I left the “Muscle and Fiction” magazines that had all the glossy pictures of Arnold, Franco, Lou and other superstars of the day and picked up the real “how to build muscle and lose fat” magazines that I switched. my physique so much that people accused me of using drugs. In a world where everyone wants “instant results” with “minimal work,” it’s easy to see why people fall for the oldest tricks in the world of muscle building and health.

Get off the “hamster wheel” of hyped commercial programs and on your way to overly successful muscle, strength and health!

Legal Law

Art Enrollment in Nigerian Tertiary Schools

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The history of modern art in Nigeria began around 1920. During this period, most of the parents loathe their children to study art courses in the higher institutions. Those who dare to do otherwise at the insistence of their parents may face certain sanctions that are also not conducive to their age and future. This means that no matter how much a child loves art, he was forced to venture into disciplines such as Law, Chemical Engineering, Banking and Finance, and other related fields that they (the parents) believe are more profitable and useful for the future. . from their children and sometimes from people in their community. This was for obvious reasons, and part of it was his conviction in the practice of such professions. For example, a lawyer would be helpful if the family has a land dispute case with someone else in town. A chemical engineer will find himself working in the oil industry and will be able to share in the nation’s oil wealth. Therefore, NNPC, AGIP, TEXACO, CHEVRON SHELL, etc. they are target companies/areas where the family is pushing their sons and daughters to go to work. At the bank, a typical Nigerian parent believes that there is no way a banker would be short of money as he or she manages people’s money. All this makes the study of visual arts the last option despite the fact that the child does practically poorly in other areas of knowledge but excels in the arts.

It was not until after the Independence Exhibition of the first group of indigenous Nigerian artists trained in Zaria that some people (parents) began to see good prospects in the field of art. Even so, discrimination continues until the 1980s because art (as a subject) had superficial educational endorsement by the government, as its inclusion in the educational curriculum was selectively addressed or implemented. In primary school, it was a general teaching of cultural modes including drama, crafts, and performing arts. In high school, the junior section had the opportunity while the senior section did not. In some situations, the subject (art) was often substituted for other subjects that were recognized in the education system as vital for the continuation of school. In case of not passing these subjects, it is equivalent to repeating a class or rewriting to continue advancing in the academic path. This poses an obvious threat to the student’s academic movement, making him abandon art against his will. Given this circumstance, it can be seen that art was not given such opportunities (priorities) in curricular planning.

In the 1990s, the reality of the artistic profession, as well as its lucrative opportunities, began to affect most Nigerian families. This was the period when the registration of art applicants began to increase. Today, most of the tertiary institutions in Nigeria are struggling with an overwhelming number of art applicants. At Ahmadu Bello University, Zaria, for example, the Department of Fine Arts, in recent years has not been able to absorb even half of the total number of applicants who want to study art. Sometimes, people go to Colleges of Education and Polytechnics, just to be in an advantageous position in admission to universities.

The growth of private universities in Nigeria is believed to be a relief in the demands of people (applicants) who want to study art, but the opposite is true. This is because most, if not all, private universities essentially focus on running academic programs or disciplines that the owners of the institutions consider lucrative enough, since the private education sector is more or less like a business. pure.

Until Nigeria’s education sector is completely overhauled and restructured with an increase in art learning centers and new art departments open in other universities, polytechnics and colleges of education, art applicants will continue to find it difficult to gain admissions. for study. artistic disciplines as the courses of their dreams.

Lifestyle Fashion

Galangal root as a component of the best male enhancement pills

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Considering that Galangal root was initially introduced to the lands of Europe a few thousand years ago, it is quite surprising that only a few people are actually aware of it. Arab traders were the first to bring it from Southeast Asia, but it wasn’t until around 200 years ago that it was botanically identified and its actual source discovered.

Galangal belongs to the ginger family of plants although it has flowers that resemble those of the orchid. Its rhizome looks like ginger but its color is darker and it is also more slender. The two rots and other Galangal species have the same odor and are both used for different medicinal purposes. Hildegard of Bingen, the famous medieval abbess, was also a great admirer of the herb and even recommended it for heart problems and fever. Additionally, galangal has been widely regarded as a stimulant and aphrodisiac that can be used on both horses and human males, and as for horses, this helps them become more courageous.

Nearly buried in an abyss of oblivion by the herb’s previous distinguished position, Galangal recently made a quiet comeback, through the back door of the Asian and Chinese restaurants that have been flooding the various corners of Europe over the last thirty years. So these days Galangal has become more known as a kind of spice rather than a medicinal herb.

Medical uses

As with ginger, the most obvious uses for Galangal include a soothing and warming carminative stomach aid that helps with flatulence, nausea, especially from travel sickness, and indigestion. However, galangal is much more powerful than this. The herb is also said to be a powerful treatment for ulcers, although there are sources that claim otherwise, and this can also help fight candida albicans. In the Middle Ages, Galangal was known to cure heart ailments, although this has been considered mere superstition. But in new research, Galangal has been revealed to be extremely effective when it comes to inhibiting platelet aggregation, which, in the wrong circumstances, could cause blood clotting that can block arteries and lead to heart attack. This is why it would be a good idea to stay away from this herb if you are already taking blood thinning medications.

Magical Uses

There are many magical uses associated with Galangal. The ancients believed that Galangal is very effective when it comes to nourishing the fire from within. This helps burn away any dull thoughts about a person’s day-to-day affairs, making it an amazing concentration aid that can help the practitioner focus his intentions. This can also promote clarity of vision and help focus views. However, the most notable use of galangal is that it can be an outstanding aphrodisiac, making it useful for tantric and sexual magic rituals.

Due to these properties, many manufacturers have included this herb in the preparation of their sexual enhancement pills. In case you have plans to search for the best male enhancement pills to help you with your sexual problems, it is important that you check if the product contains only the most potent natural ingredients. This way, you can be sure that you will have an effective and safe way to achieve your male enhancement goals.

Real Estate

Insurance Claims for Florida Homeowners and Condominium Associations

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There are thousands of homeowners associations (HOAs) and condominium associations throughout Florida. The size and responsibilities of these groups can vary from community to community, but most maintain some type of insurance policy to protect their assets.

Due to some of the extreme weather such as hurricanes or flooding in certain parts of the state, insurance policies can be extremely important to HOAs and condominium associations. These groups can pay significant premiums for the following forms of protection:

  • Damage to property – This type of policy would serve to protect public services, property, and common areas shared by the HOA or condominium association community. In the event of a fire, flood, hurricane, or sewer collapse, a property damage policy would pay for the cost of repairs that can easily run into the millions of dollars.

  • criminal damage – This policy could protect an HOA or condominium association against graffiti, vandalism, or arson, but certain criminal policies may also serve to protect the association against fiduciary mismanagement by a board member or other officer. These policies are sometimes called fidelity insurance.

  • Liability Claims – A person injured in a slip and fall accident, equipment malfunction, or violent crime on the property of that HOA or condominium association can file a premises liability lawsuit. This type of insurance policy can help cover the cost of settlements in such cases.

While insurance for an HOA or condominium association can be expensive, it is generally considered a worthwhile investment. However, many boards of such associations are surprised when insurance companies do not provide adequate compensation after a claim is filed. Some of the common issues HOAs and condominium associations face when filing an insurance claim include:

  • late payment – Florida Statute § 627.70131 specifically states that an “insurer shall pay or deny such claim or a portion thereof” within 90 days of receipt of notice of an “initial, reopened, or supplemental property insurance claim from a policyholder” but allows Insurance companies some leeway if “non-payment is caused by factors beyond the insurer’s control.”

  • denial of claim – There can be various reasons for a claim to be denied, including, but not limited to, lack of evidence, certain accidents not covered by certain policies, or policies canceled because premiums were not paid on time.

  • Inadequate settlement amount – The insurance company may underestimate a claim and offer an amount significantly less than the actual cost of the damage.

  • Negligent Defense Provided in Liability Claims – In certain general liability claims, an insurance company could leave the policyholder stuck with a settlement that exceeds the policy limits.

Insurance companies investigate claims to limit their own payments and find reasons why claims fall into exclusions that are not covered by certain policies. An HOA or condominium association does not have to simply accept these types of results. An experienced attorney can negotiate to seek a more favorable recovery or sue the insurance company if it does not provide a satisfactory amount.

Sports

2 Delicious Spicy Grilled Recipes You Must Try Right Now

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While it’s not for everyone, many steakhouses are fans of spicy food. And why wouldn’t they be? Spicy food makes you enjoy food better and makes you want to eat more! So whether you like to add chili peppers, bell peppers, or other spices to your meals, you’re sure to enjoy these delicious spicy grilled recipes.

Grilled Spicy Chicken Marinade

What do you need:

  • 1 kg. boneless, skinless chicken thighs
  • 1 can (7 oz.) chipotle peppers in Adobo sauce
  • 3 garlic cloves, minced
  • 3 tablespoons apple cider vinegar
  • 1/2 teaspoon salt
  • 1/2 teaspoon cayenne pepper

To create the marinade, place the chipotle peppers, adobo sauce, garlic, apple cider vinegar, salt, and cayenne pepper in a blender or food processor, then pulse until all ingredients are blended. Place the chicken thighs in a 1 gallon Ziploc or food storage bag and pour the marinade over the chicken. Seal bag, shake, and refrigerate 2 hours to overnight to marinate. When done, discard the marinade and cook the chicken on a preheated grill over medium high heat until cooked through, about 6 to 8 minutes per side.

Note: Use 3 chipotle peppers and 2 tablespoons of adobo sauce for mild spice, 6 chipotle peppers and 3 tablespoons of adobo sauce for medium spice and use the whole can if you prefer hot and spicy.

Sweet and Spicy BBQ Pork Strips

What do you need:

  • 2 pieces pork loin (about 12 oz each)
  • 12 garlic cloves, crushed and coarsely chopped
  • 1/2 cup of soy sauce
  • 1/4 cup olive oil
  • 1/4 cup cilantro or parsley, finely chopped
  • 6 tablespoons brown sugar
  • 2 teaspoons of mustard. dried and ground
  • 2 teaspoons ground ginger
  • 1 teaspoon paprika

Place garlic, soy sauce, olive oil, cilantro, brown sugar, mustard, ginger, and paprika in a large Ziploc bag. Seal and shake the bag to combine the ingredients well. Place the pork tenderloins in the bag and marinate in the refrigerator for at least 4 hours.

When ready, let the bag rest for 20-30 minutes at room temperature. Discard the marinade when you are ready to grill. Cook the pork loins on a preheated grill over medium-high heat until cooked through, depending on your preferred doneness.

Once cooked, cover and let rest for 5-10 minutes before slicing. It is best enjoyed with a side of rice or fresh or roasted vegetables.

These Spicy Grilled Recipes are sure to make your mouth water – they are deliciously spicy! Don’t forget to make a non-spicy version or a less spicy version if you’re cooking for a group!

Tours Travel

3 Secret Things To Do That Will Make Your Girlfriend Love Giving You Blowjob

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Hey man.

In the past, I used to have hundreds of girlfriends give me oral sex, and I still do. I realized that some of my friends had much worse sex lives than I did, and when I asked them, “So, did he blow you off?” the response was often, “Nope…she said she doesn’t like to suckle.” He knew it wasn’t true. I never had a problem getting my girlfriend to give me oral sex, or even just a fling, for whatever reason women were drawn to kneeling for me. They loved coming down on me. They did it with passion, with pure love and joy. Some women gave me blowjobs and had a scared, almost terrified look on their faces: they were afraid that they would screw it up and that I would end up leaving them, which sometimes I did. I didn’t have much patience.

Anyway, after a while I realized that I know something that other men don’t. I know WHY women suck and what makes them drop to their knees without ASKING THEM, let alone BEGGING THEM and looking like jerks. The fact is… if you have to ASK for oral sex, you are DEFINITELY on the wrong track to convince this girl to fuck you. If she’s having trouble convincing her current girlfriend to give her a blowjob, here are 3 things she should do, in the following order. This may sound crazy to you, but hey, whatever works!

1. Discover it

The first thing to do if you want your girlfriend to blow you is UNDERSTAND HER. First, she understands WHY she’s not giving you oral sex RIGHT NOW. Is it because your penis is FULL of hair, you never shave it, and it smells bad? If not, maybe it’s because the last time she gave you a blow job, you shoved it down her throat like crazy and made her throw up like crazy? Or, she doesn’t see why she would give you head if you never fucked her? Maybe you are behaving like THE WOMAN in your relationship, instead of THE MAN, so SHE is bossing you around, telling you what to do, how to do it, why to do it, while you run after her like a little homeless dog? Or maybe all this is not the case. Whatever it is, figure it out. You will never get your girlfriend to ENJOY giving you a blowjob if she doesn’t RESPECT you as a person and if she doesn’t see you as valuable to her.

2. Being UP

Oral sex is all about SUBMISSION. She submits to You. She goes downstairs, pleases you orally, and takes your cum with pride (or not, yet). Whatever it is, she is in a position where she submits to you, right now, you are her God. She needs to FEEL comfortable in this position and she needs to agree to submit to you sexually. Let go, and let you “carry” her in bed. The only way this can happen is if you are psychologically ABOVE her in your relationship. Basically, if you’re “the boss” in your relationship, she’ll be comfortable submitting to you and giving you a blow job. How do you do that? Make him respect you. And she learns to say “no.” You have to be prepared to lose it. Basically, she needs to love you more than you love her. If you love her more than she loves you, she will have the power in the relationship. The emotional power over you.

3. Figure it out

The third thing you need to do to get her to give you a blowjob more often is figure out WHO you are and what you WANT in life. When you are lost in space, you have no power, therefore you will not be attractive to her. Do everything you can to feel more confident about yourself. For some guys, that is having more money, freedom, a higher social status… but all of that is not as important as your ATTITUDE and your way of thinking. If you stop caring what others think of you, you’ll be more attractive and appear more carefree. When you are carefree, it communicates POWER and CONFIDENCE. This also makes you more attractive and desirable to other women. As soon as your girlfriend feels this energy in you, she will be AUTOMATICALLY ATTRACted to give you a blowjob like never before!