Filed Under (Indentity Theft)

Identity thieves are getting more sophisticated every day. They can steal your mail, get your personal information through e-mail or by phone, capture information on a data storage device, take your purse, rummage through your trash, get your credit report through unauthorized access; the list just keeps getting longer. Once they have your information, they use your name, Social Security number, credit card number, or other personal information to commit fraud or theft. They might:

* Run up charges on your credit card accounts
* Open new credit accounts or cellular phone service using your name
* Open a bank account in your name and write bad checks on it
* Create counterfeit checks or credit or debit cards, or authorize electronic transfers in your name, and drain your bank account
* Buy a car by taking out an auto loan in your name
* Get identification such as a driver’s license issued with their picture in your name
* Call your credit card issuer to change the billing address on your account. The impostor then runs up charges on your account. Because the bills are being sent to a different address, it may be some time before you realize there’s a problem.

Problems that result, such as unpaid bills, are reported on your credit report.

Identity thieves steal your personal information to commit fraud. They can damage your credit status and cost you time and money restoring your good name. To reduce your risk of becoming a victim, follow the tips below:

Tips for Preventing Identity Loss

* Don’t carry your Social Security card in your wallet or write it on your checks. Only give out your SSN when absolutely necessary.
* Protect your PIN. Never write a PIN on a credit/debit card or on a slip of paper kept in your wallet.
* Watch out for “shoulder surfers”. Use your free hand to shield the keypad when using pay phones and ATMs.
* Collect mail promptly. Ask the post office to put your mail on hold when you are away from home for more than a day or two.
* Pay attention to your billing cycles. If bills or financial statements are late, contact the sender.
* Keep your receipts. Ask for carbons and incorrect charge slips as well. Promptly compare receipts with account statements. Watch for unauthorized transactions.
* Tear up or shred unwanted receipts, credit offers, account statements, expired cards, etc., to prevent dumpster divers getting your personal information.
* Store personal information in a safe place at home and at work. Don’t leave it lying around.
* Don’t respond to unsolicited requests for personal information in the mail, over the phone or online.
* Install firewalls and virus-detection software on your home computer.
* Check your credit report once a year. Check it more frequently if you suspect someone has gotten access to your account information.

If you suspect or become a victim of identity theft, follow these steps:

* Report it to your financial institution. Call the phone number on your account statement or on the back of your credit or debit card.
* Report the fraud to your local police. Keep a copy of the police report, which will make it easier to prove your case to creditors and retailers.
* Contact the credit-reporting bureaus and ask them to flag your account with a fraud alert, whch asks merchants not to grant new credit without your approval.

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Filed Under (Vegetarian)

While being a vegetarian isn’t for everyone I talk to lots of people every day who tell me they’d like to become vegetarian, but it seems like it would be too hard, and they don’t have the willpower.

But becoming a vegetarian, for me and for many others, is the easiest thing in the world. So in this post we’ll look at some suggestions and tips for becoming a vegetarian without too much difficulty, and some reasons you might consider it.

vegetarian

Why Become Vegetarian?

Again, let me state that vegetarianism isn’t for everyone. If you are fanatically devoted to meat (and I was at one time, so I understand), you might not be interested. If you already eat healthy, or you’re not interested in your health, you might not be interested.

But there are some reasons, for the rest of us, to consider it:

1. Cut the fat. While meat provides a lot of protein, it also provides a ton of fat — especially saturated fat. Which means that by cutting out meat, you’ll be cutting out a lot of bad fat, and replacing it with things that are probably not only lower in fat, but that contain some good fats. This greatly reduces your risk of heart disease, and in fact numerous studies have shown that vegetarians tend to have a lower risk of heart disease, as well as hypertension, diabetes, cancer and other diseases.

2. Less food poisoning. Food poisoning gets millions of people each year — and many of them from meat, which is a good breeding ground for harmful bacteria, especially if not stored, prepared or cooked exactly right. Cut out meat and you lower your risk of food poisoning (especially if you also cut out eggs and dairy, but that’s optional).

3. Reduce the suffering. You probably don’t want to hear about the horrific treatment of animals that are raised for food, even before they are slaughtered for our benefit. But suffice it to say, there are great amounts of suffering involved, and by cutting out meat, you are reducing your involvement in that.

4. Help the environment. There are actually numerous ways that the meat industry harms the environment, from a waste of our resources (animals raised for food eat enough grain to feed the world), to a waste of fuel, to the pollution caused by their waste matter, and much more.

5. Help your weight loss. It’s possible to be vegetarian and eat very unhealthy foods, including Coke and fries and fried stuff and pizza and chips. But it’s much more difficult. Studies repeatedly show that vegetarians are slimmer and are less likely to be obese than meat eaters. If you’re trying to lose weight, being a vegetarian can be a good part of your program.

6. Get more nutrition. In general (though not necessarily), vegetarians replace meat with more nutritious foods, such as fruits, vegetables, beans, whole grains, and so on. If you do that, you will be getting more of the nutrients your body needs, giving you better health, less illness, and more energy.

vegetarian

20 Tips for Becoming a Vegetarian

So, if you’d like to become a vegetarian, without too much trouble, here are my suggestions:

1. Have good reasons. If you just want to become vegetarian for kicks, you probably won’t stick with it for long — not because it’s hard, but because any lifestyle change or habit change requires a little bit of motivation. You need to first think about why you want to become vegetarian, and really believe in it. The rest is easy.

2. Read up. Before starting anything new, I tend to read as much as possible about whatever it is that I’ll be doing. I suggest you do so with vegetarianism. Check out a couple of good books from the library (or better yet, borrow from vegetarian friends). And there are tons and tons of good sites on the Internet. One of my favorites is GoVeg.com.

3. Find good recipes. You don’t need to go out and buy a bunch of new cookbooks, although that’s certainly an option. But again, there are many great recipes online. Try GoVeg.com … another favorite of mine is Post Punk Kitchen (also see their forums). In fact, it can all be a little overwhelming … but don’t worry, you don’t need to decide on anything. Just look through the recipes, take note of a few that look really good, and decide to try a few of them. You have the rest of your life to test out other recipes!

4. Try one recipe a week. My suggestion is just to try one new vegetarian recipe a week. If you like it, add it to your collection of staple recipes that you eat on a regular basis. If the recipe isn’t that great, try another next week. Soon, you’ll have a good list of 5-10 great recipes that you love to cook and eat. And really, whether you’re vegetarian or meat eater, that’s probably all you really eat on a regular basis anyway (for dinner, at least). Most people only have 7-10 recipes that they cook regularly. Once you have that many vegetarian recipes, you are good to go.

5. Substitutions. Also try your regular recipes that you love, but instead of using meat, use a meatless substitute. So if you love to eat spaghetti or chili, for example, substitute a ground-beef alternative from Bocca or Morning Star and just cook it the way you normally would. There are alternatives for just about any kind of meat, and some of them are quite good. You can go on eating what you normally eat, but meatless.

6. Start with red meat. I suggest a gradual transition into vegetarianism … although you can do it all at once, I’ve found that for many people, a gradual transition works better. There’s no need to give up all meat at once. Try a few new recipes, maybe eat one vegetarian meal for the first week, two for the second, and so on. If you do this, start with red meat, as it is typically the least healthy.

7. Then the other meats. After a couple of weeks of going without red meat, try cutting out pork for a couple of weeks. Then cut out chicken, the seafood. With this two-week approach (and you can even make it 3 weeks or a month for each stage if you want to go more slowly), you’ll hardly notice the difference. I’ve found that I don’t crave meats anymore, although I did for about a week.

8. Consider dairy & eggs. Vegetarians vary widely on this, so there’s no mandate to give up dairy or eggs if you’re giving up meat. Do what feels right for you. But if you go meatless for awhile, and want to try to go a little further (in terms of health, the environment, and helping animal suffering), consider these foods. For one thing, they are often high in saturated fat, especially compared to soy alternatives. It was easy for me to give up eggs, as I’ve never been a huge fan, but transitioning to soy milk took a few days to get used to … although I can’t stand the taste of milk now.

9. Think about your staples. A useful exercise is to make a list of foods you regularly eat, for breakfast, lunch, dinner, desserts and snacks. Not meals, but ingredients. And then think about vegetarian alternatives, and make a new list. For example, instead of eating chicken in a stir-fry dish, you might try tofu. With a new list of staples, you should have no trouble stocking your fridge and pantry.

10. All in one go. Some people prefer to give up meat all at once. While this takes a little more determination than the gradual solution I advocate, it’s not that hard, really. Just prepare yourself by taking some of the steps above (finding recipes, substitutes, a new list of staples, and reading as much as possible), and then give it a shot. It should only take a few days to get used to it, and then you’ll have very little trouble after that. The only issues you’ll have to work out, once you’re used to going without meat, are things like eating out, eating at others’ houses, and other similar issues. Read on for more on these.

11. Adequate protein. One myth about vegetarianism is that you don’t get enough protein. Actually, meat eaters usually take in way more protein than they need. Protein requirements for the average adult are lower than people think. If you eat a varied diet (not just junk food, for example) that includes vegetables, grains, beans, nuts, soy protein and the like, you will be fine. It would hard to create an eating plan where you’re getting inadequate protein (the junk food example would be one). Another myth is that you need to eat different types of protein within a single meal (or even a single day) to get complete protein from plants … actually, as long as you eat varied proteins (such as those listed above) over a few days, you’ll be fine. And soy protein is a complete protein, just like meat.

12. Junk food. Again, you can be a vegetarian and be very unhealthy, if you eat junk food. Being a vegetarian is not a license to eat junk food (although you can probably indulge yourself a little more often now that you’re not eating meat). Try to stick with fruits and veggies, whole grains, beans, nuts, soy protein, low-fat dairy and other nutritious foods for the most part.

13. Ethnic food. One of the great things about becoming a vegetarian is that it often spurs people to try new and interesting ethnic foods (or reminds them of foods they love but don’t eat much). Great vegetarian dishes can be found all over the world, from Italian pasta to many Indian dishes to spicy Thai food to Chinese, Ethiopian, Moroccan, Mexican, South American and more. It can be interesting to do a series of theme weeks, trying vegetarian dishes from a certain country for one week, and then moving around the world and sampling other great ethnic foods.

14. Tell friends & family. If you’re really going to become a vegetarian, you’ll have to talk to the people you know and love about it. You’ll still be dining with them, at restaurants, at their homes, at social gatherings, at work, and so it’ll be better for everyone involved if they know what you’re doing (they might prepare a vegetarian dish for you, or you might bring one for them to try), and if they know the reasons why. Some people might have a hard time with it. Just try to explain it to them, without getting defensive or argumentative, and ask them to be understanding (and maybe to give some of your food a try). Don’t try to force vegetarianism on anyone, or sound preachy, but do give them more information if they’re interested.

15. Have fun. Most of all, don’t make becoming a vegetarian be a restrictive, grueling ordeal. If you feel like you’re depriving yourself, you won’t last long. But if you feel like you’re doing something good, and trying out some great-tasting food, you’ll stick with it for much longer (for life, I hope). Have a great time along the way.

16. Plan ahead. Often what gets in the way of new vegetarians is that they go somewhere, and don’t think of what they might have to eat. Going to a party or a dinner can be much better if you prepare a great dish and bring it along (let the host know about it first). An errands trip doesn’t have to result in you going to McDonalds, starving, if you pack a lunch or bring some snacks.

17. Cook ahead. Another problem is when we don’t have any vegetarian food ready to eat, and so we resort to whatever is easiest (if we don’t feel like eating or are too hungry to wait). Instead, you could cook a big pot of vegetarian chili or soup or something, and have it in the fridge for when you’re hungry and don’t have time to cook.

18. Vegetarian snacks. I love to eat fruits and cut-up veggies, but there are lots of other great snacks you can eat. Roasted (or raw) almonds, hummus and pitas or veggies, blue corn chips and salsa, low-fat granola, berries with soy yogurt, whole-grain cereals, Kashi crackers … dozens and dozens of snacks, actually, if you take a look around. Have plenty on hand, at home, at work, and on the road.

19. Vegetarian restaurants. There’s only one vegetarian restaurant on Guam, and unfortunately it’s closed on nights and weekends (it’s a Seventh-Day Adventist joint, open for lunch on weekdays, and it’s great). But you might live in an area with dozens of great vegetarian restaurants. Give them a try! You might discover some wonderful food, and thank your lucky stars you decided to give vegetarianism a try. Otherwise, most restaurants will have some vegetarian options, or can cook you a vegetarian dish on request.

20. Vegetarian convenience foods. In your supermarket’s frozen section, you’ll probably find a lot of vegetarian foods that can be microwaved. You might give some of these a try (I love the Amy’s brand). Beware that, like most convenience foods, these are more expensive than home-cooked stuff, and most likely not as healthy. But you can find some fairly healthy foods there too. At any rate, it’s always good to have a couple of convenience foods in the freezer, just in case.

*** Written by Leo Babauta of Zen Habits ***

Click here for fabulous salad recipes!

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Filed Under (eBay)

A Beginner’s Guide to the Different eBay Auction Types.

Over the years, eBay has introduced all sorts of different auction types, in an effort to give people more options when they buy and sell their things on eBay.

For every seller who doesn’t like the idea that their item might sell for a far lower price than they intend, there’s another who wants to shift hundreds of the same item quickly. eBay tries to cater to all tastes. This email gives you an overview of the different kinds of auctions and their advantages for you.

Normal Auctions.

These are the bread-and-butter of eBay, the auctions everyone knows: buyers bid, others outbid them, they bid again, and the winner gets the item. Simple.

Reserve Auctions.

Reserve auctions are for sellers who don’t want their items to sell for less than a certain price – a concept you’ll know about if you’re familiar with real auctions. They work just like normal auctions on eBay, except that the buyer will be told if their bid does not meet the reserve price you set, and they’ll need to bid again if they want the item. If no-one is willing to meet your price, then the auction is cancelled, and you keep the item.

Fixed Price (‘Buy it Now’) Auctions.

Buy it Now auctions can work in one of two ways. You can add a Buy it Now button to a normal auction, meaning that buyers can choose either to bid normally or to simply pay the asking price and avoid the whole bidding process. Some sellers, though, now cut out the auction process altogether and simply list all their items at fixed price. This lets you avoid all the complications of the auction format and simply list your items for how much you want them to sell for.

Recently, eBay added a twist to fixed price auctions: the ‘best offer’. This means that buyers can contact you to negotiate a price, which could be a good way to get sell some extra stock at a small discount. The only downside to reserve and fixed price auctions is that you pay a small extra fee to use these formats. In general, it is more worth using reserve auctions for higher-priced items and fixed price auctions for lower-priced ones – but remember that you can combine the two formats.

Multiple Item (‘Dutch’) Auctions.

These are auctions where you can sell more than one of a certain item. Dutch auctions can be done by bidding. Buyers bid a price and say how many items they want, and then everyone pays the lowest price that was bid by one of the winning bidders. If you have trouble getting your head around that, then don’t worry – everyone else does too! These auctions are very rare.

What is more common is when a seller has a lot of one item, and lists it using a combination of two auction types: a multiple-item fixed price auction. This just means that you can just say how many of the item you they have, and offer them at a fixed price per unit. Buyers can enter how many they want and then just click Buy it Now to get them.

Now that you know about the different types of auctions, you should make sure that the items you plan to sell don’t violate eBay’s listing policies. The next email will let you know what’s allowed and what is a big no-no.

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