When would you actually need an attorney? You’d be surprised. A LegalShield membership allows you to get help on things you may have never even thought needed an attorney – from traffic tickets, to real estate, IRS audits, wills, divorce, adoption and beyond.
I was reading a great article from Harvard Business Review concerning employee benefits. I thought you might find value in this article also.
In today’s hiring market, a generous benefits package is essential for attracting and retaining top talent. According to Glassdoor’s 2015 Employment Confidence Survey, about 60% of people report that benefits and perks are a major factor in considering whether to accept a job offer. The survey also found that 80% of employees would choose additional benefits over a pay raise. Continue reading “The Most Desirable Employee Benefits”
Time freedom means having the time to move deliberately through the world. It means not stressing out and running around like crazy. Having freedom of time lets you slow down and relax, and lets you appreciate life, your environment, people around you and the world in a much deeper way.
What is Time Freedom, Like, Really?
Time freedom is the freedom to decide what you want to do with your time. You know, those 24 hours in a day. Imagine they all belong to you, every day. And no one, especially not your boss, tells you how much time to devote to something. You’re the only one deciding.
Watch this short video, then click here to check out this amazing opportunity!
I personally received a call this week from a phone scammer! These thieves were out to steal my credit card numbers by stating they were my credit card provider company, and for security purposes needed me to verify my credit card number. They had my name, phone number (obviously), expiration date, and the last 4 digits of my credit card. What they did not have were the other 12 digits of my card(s). For verification and security purposed they asked me to provide the full credit card number. Thankfully, a red flag immediately went up in my mind, and I stated. “If you are my provider credit card company, then for verification and security purposes YOU PROVIDE my credit card numbers!”
My Kroll private investigator reminded me, “Never provide your card number or any other personally identifiable information over the phone unless you are the one who made the call.” He also made a note on my account and assured me that they were on top of monitoring my identity.
If you receive one of these calls, or get an automated call/voice or text message, remember the following advice:
1. Don’t trust caller ID. Scammers often have the capability to mask their call information, which is known as spoofing.
2. Don’t share your personally identifiable information (PII). If you are already doing business with the company represented, they should already have all of your information.
3. Don’t react too quickly. It’s very important to remain calm, even if you think you are about to lose a service or if you think a punitive action is about to be taken.
4. DO NOT press one or wait on the line for a live person – these scam operations do not acknowledge the Do Not Call list and your response may lead to more scam calls.
5. DO NOT call back the number provided or click on any website hyperlinks. Instead, independently verify that the message was sent by a legitimate source by visiting the company website, calling customer service directly, or some other form of contact, as long as it is initiated by you.
6. Your service provider may be able to block the incoming telephone number, but keep in mind there are limitations to this service – scammers frequently use multiple numbers, and there are many telephone scams running at any given time.
Overall, Kroll’s advice is simple: “If you find yourself in any of these situations, DO NOT release any personally identifiable information; hang up.”
To learn more about how to protect yourself and your family from identity theft, visit my LegalShield and IDShield website.
With the new school year under way, it is important to talk with your kids about the dangers of cyberbullying. Both adults and children spend a great deal of free time online via smart phones, tablets and home computers. Cyberbullying presents a threat to their emotional and social well being. Social networking has magnified the effects of online bullying, particularly for teens. It is important to recognize that cyberbullying is not simply ‘kids being kids’ but rather a real danger with extreme consequences for both the bullies, the bullied and parents.
- Identify Problems – Identifying cyberbullying is particularly difficult with teens who may be more tech savvy than their parents and more reluctant to share the details of their social life. Talk to your kids about their online activities and what to do if they are bullied online. Also, look out for warning signs, such as unwillingness to discuss online activities, nervousness, difficulty sleeping, weight change and withdrawing from school or social activities.
- Understand the Methods – Cyberbullies may use some or all of these methods, which include:
- Harassment – Repeatedly sending threats or other offensive material to one or more victims is harassment. Harassment may involve cyberstalking, where the bully locates email accounts, home addresses and phone numbers they can use to threaten or harass victims.
- Flaming – Flaming is the act of taunting the victim to respond. This is often done publicly to shame the victim for cowardice if they fail to respond or further mock them if they do.
- Exclusion – Exclusion is the act of blocking or freezing someone out of a social group. For many teens this act can be very traumatic. Other types of harassment may spring out of exclusion.
- Impersonation (a.k.a. Masquerading) – Bullies often use false or misleading online identities to post hurtful information on message boards or social networks. They may use fake email addresses or user accounts to send messages after a previous account is blocked.
- Outing – Outing involves the bully publishing personal or private details about the victim publicly or within a social circle. This can be anything from a personal secret to explicit photographs. Bullies may even pose as a love interest in order to provoke the victim into sharing embarrassing personal information. Once shared online, information may spread quickly throughout the teen’s school and social circle.
- Ignore the Bully – Avoid engaging directly with the bully to stop the behavior. Someone engaged in online bullying is unlikely to be swayed by reason. Cyberbullies crave a response to taunts and insults. Teach your kids that responding in any way will open the floodgates for additional bullying. In some cases, ignoring the behavior may cut things off before they get worse.
- Save Evidence – Saving evidence of abuse and bullying will help you report the issue to the necessary parties. Save emails, images and chat records. Take screenshots of things posted online so the bully cannot delete them in an effort to cover his or her tracks.
- Report Bullying – If the perpetrator is a minor you may try reaching out to a parent or guardian to intervene in the matter. Many parents are surprised to learn that their children are bullying and will help intervene. If the bully attends your child’s school, discuss the matter with an administrator or counselor. Some schools have guidelines for dealing with cyberbullies and preventing escalation. File formal complaints with websites and the phone and Internet providers to block the bully. In many cases the terms of service prohibit harassment and the bully may be banned from the site or blocked by his or her Internet service provider.
- Report Illegal Behavior to the Police – While cyberbullying is relatively new and the law has not always been quick to respond, some localities have established laws to penalize cyberbullys. Threats of violence and the posting of pornographic images, particularly those involving minors, are against the law and should be immediately reported to the authorities. If you need to find out more about the law where you live call your LegalShield provider law firm and speak with an attorney.
Are you protected from identity theft?
Millions of Americans are affected by identity theft each year. Get smart about protecting yourself with IDShield. Our plans provide Security and Privacy Monitoring as well as unlimited consultation so you can get advice if you have a question about Identity Theft. IDShield also provides Comprehensive Identity Restoration from Kroll Advisory Solutions with a $5MM Service Guarantee – so in the unfortunate event that something does happen to your identity, you’ll have professional help in getting your identity restored to what it was before the fraud occurred.