Other articles

  1. Facts About Credit Card Fraud vs. Identity Theft

    Tue 14 February 2017

    While charge card fraud is a type of identity theft, not all identity theft is charge card scams. It just so occurs that identity theft involving charge card is the type you are most likely to become aware of on a routine basis. This kind of theft usually takes place in one of 2 methods: the thief can physically steal an individual's credit card number and after that utilize it to make deals that do not require image ID, whether it's because the purchase is for a percentage, it's somewhere like a gas pump where there is no clerk present or it is transacted by a clerk who simply does not follow procedure by asking to see recognition.

    The second method is through phishing frauds, in which a thief establishes a fake site and the consumer is deceived into typing in his or her charge card information. In this case, the individual simply gets the credit card number and security code and the consumer's contact details, however this suffices for even less skilled thieves to change the address on the account and likely open a brand-new one in his or her name. While the thief is not completely taking control of the victim's financial life. For instance, he or she is not utilizing the victim's Social Security number, this is still identity theft. By using a credit card in somebody else's name, they are pretending to be that person, whether that is the actual intent. The damage from simple charge card identity theft bank of america fraud can be extreme, specifically if the thief opens lots of credit cards or has several with a very high limitation. To assist prevent charge card scams, you ought to be very mindful where you enter your charge card details on the Web. See out for e-mails that profess to be from a highly regarded institution but have links that look suspicious. Also, if you're making a charge card purchase online, make certain you're purchasing from a genuine site. Look for the https in the address bar and an icon that looks like a padlock. Keep your antivirus up to date, and beware of sites that it tags as suspicious. If your charge card is lost or stolen, report it by calling the number on the back of your card as soon as possible. Don't wait, thinking you may have just lost it. There's generally no charge for a replacement card, so no damage no foul. Identity theft security plans can likewise assist, because you will be notified if someone opens a deceitful account in your name rather of discovering someplace down the roadway. Numerous of these services also scour the black market web where identity thieves buy and sell your info like credit card numbers and bank accounts. See the Dateline NBC special with Chris Hanson on our homepage identity theft online for some fascinating examples.

    Securing Your Great Credit Rating

    If you've ever had your wallet stolen or lost, you comprehend the trickle of fear that such a discovery produces. A lot of customers recognize that it's necessary to call the bank and charge card providers instantly in order to close those accounts and prevent deceitful charges. Regrettably, an excellent majority of people do not recognize that their credit rating and ranking may be at threat every day. Unless consumers take extra care to protect themselves, online credit card and identity theft offers lawbreakers with a perilous and sometimes invisible method of draining a checking account, racking up charges to the limit on a credit card or invading your personal privacy and security that often goes unnoticed for weeks, and often months. Nowadays, online buying is a method of life, as is costs paying over the Internet. Nevertheless, Internet scams is limited to roughly 10% of all scams cases. However, while some of us check or savings account and credit card statements daily, or a minimum of weekly, the huge bulk do not log onto their Web accounts up until it's time to pay those bills. In as little as a day, a burglar can acquire your charge card balance or make lots of buy from a credit card account without you being the better. internet fraud Take actions to prevent recognize theft before it takes place. Identity theft is typically referred to as either the standard kind of identity theft or credit hijacking. Fundamental identity theft involves the "traditional" type of identity theft where a private takes biographical info to open new charge account. Credit hijacking is a kind of identity theft where a specific gains access to and uses existing credit accounts for fraud.

    To safeguard your monetary security, follow these fundamental steps:

    Place an initial fraud alert on the 3 significant credit reports (TransUnion, Experian, and Equifax).
    • Provide your lenders the same telephone number that's noted on your customer credit report. (Financial institution's are prevented from opening or authorizing brand-new line of credit until after verbal confirmation by you).
    • Extend the time frame for the initial fraud alert (90 days) to extend up to 7 years by writing a letter to each credit bureau asking for such, and mailing to the address specified in the confirmation letter you get from the initial fraud alert.
    • Produce an individual security code for all credit card and checking account. This password or code is in addition to your personal PIN number, mom's maiden name, zip code, and the last 4 digits of your Social Security number. The personal security code is yours alone and may be thought about a supplementary pass code to guarantee that nobody has the ability to access your accounts without discussing this code.
    While taking these steps might take a little of your time, it's more than worth the advantages and added security you will delight in. Don't wait up until you have ended up being a victim of identity theft or credit hijacking to protect your financial security. Visit identity theft big chuck for more information. read more
  2. New Searching for: Cleansing Dirty Air Ducts Can Boost Health and wellness

    Thu 09 February 2017

    According to the United States Environmental Defense Agency duct cleaning is among the very best methods which to keep people healthy in their own homes or when running a company. By understanding exactly what the consequences are by not cleaning the duct, it is highly suggested that the air ducts be cleaned up for a much healthier life design. When an expert duct cleaner pertains to your home or service to clear out your vents and ducts, have concerns all set, explain your family circumstance as far as allergies, pets, cigarette smokers or fireplace. Make certain there is no mold in the ducts and that you are doing whatever you can to keep your family healthy. It is crucial to have the air ducts cleaned in your house or organisation because it has been shown over time that the air in our businesses or homes is more contaminated then the air in the outside environment. Air duct cleansing in MD is just as important there as anywhere else in the United States. Various types of residue can get backed up into an air duct so it is best to clear out the duct regularly. This will cut down on sickness and make the house or service cleaner and the air simpler to breathe and helps or prevents allergic reactions to keep the allergies under control much better.

    Having clean air ducts and vents also assists anyone who might have any other health concerns.

    air duct cleansing has to be done if an individual who owns a home or company responses yes to particular situations in the house or business. If there

    are family pets that include the furry kind or the feathered kind of family pets, there is going to be dander in the air. When brushing your family pets, even with collecting up the fur and also vacuuming up the excess fur, there is still going to be fur that drifts into the air and right into the ducts.

    Smoke is another factor whether it is a person or individuals who smoke, or there is a. fireplace in the house. The smoke from a cigarette will make the walls in. rooms an unsightly color and also the ducts will be filled with the same residue. smoke. The cigarette smoke is difficult to clean up off of walls even when the walls. are cleaned up on a routine basis. When cigarette smoke accumulates over time. in the ducts it is nearly difficult to get the ducts totally tidy.

    This is why it is so essential to keep the ducts tidy occasionally. People see. the dust settle on dark furnishings, or find the dust has actually settled on. tv screens, making it tough to see the picture. When the dust is. cleaned from the items, much of the dust gets away and will accumulate in the. ducts. That is why it is so essential to do air duct cleaning as. you would with the regular daily cleansing.

    When individuals buy a house or an organisation they take a look at the outside and within. the place they want to buy and they focus on certain areas and ask certain. questions. They might inquire about the painting, siding or structure, when the. roofing was changed or repaired, or any water issues, taxes, the school. system, criminal activity in the location, when the hot water heater was altered, however not extremely. lots of people will ask how the ducts are operating in a home or organisation.

    The household relocates and nobody in the family had any allergies and suddenly the. whole household is stricken with a range of allergic reactions. It is suggested that. the air duct cleansing be completed by a professional air duct cleaning business. As soon as the ducts are cleaned up out and the air in the. house or company is fresh and tidy, the allergic reactions unexpectedly vanish or. enhance considerably. Keep anyone who smokes outside while they are cigarette smoking,. brush pets in a certain area far from the living quarters. By having. cigarette smokers smoke outside there is less possibility of the smoke entering into the ducts. and causing issues. By brushing the fur of pets outside the fur is permitted. to be put into the garbage in the garage and any residue will be lifted away. by the breeze.

    We can not keep whatever out of the ducts they are going to need cleansing. from time to time. Before buying a home or service discover the last time. the ducts were cleared out. Many people will not have the ability to inform you and. will discover it a fascinating, difficult and new experience of cleansing. their own ducts or having a professional entered into get the job done. Clothes dryer vent cleaning is inexpensive and very simple to do. and by cleaning clothes dryer vents regularly saves. property owners money by drying clothing much faster and. helps the ducts to work more effectively. If an individual has pets. the fur from the pets can block the ducts and numerous other types of. particles can congest the ducts that many individuals are uninformed of. It is. Best to clean the dryer vent on a routine basis, particularly if the vent is. actually dirty.

    {If uncertain ask the person at a professional duct cleaning up company or find air duct cleaners near me. |, if unsure ask the person at a professional duct cleaning company or discover air duct cleaners near me.

    read more
  3. Leading 10 Medication Medspa Services You Probably Haven't Become aware of

    Thu 09 February 2017


    EMINENCE PEEL: This is the most popular peel at Medspa 21. It is a medium depth peel that combines several different peels into one session and assists to fix pigmentation, exfoliation and fine lines offering an over all more youthful and revitalized look to your complexion. A single EMINENCE PEEL produces outstanding lead to all patients and a series might be advised for more mature skin issues. The STATUS PEEL consists of a. customized post-peel treatment bundle and specific instructions on ways to optimize your outcomes. and care for your skin throughout the post-peel recovery. stage.

    LUSTER PEEL: Brilliance Peel produces the radiant skin of a more powerful peel and is gentle enough. to be used every 2 weeks. Sparkle Peel is advised for more youthful adults and grownups who have. never ever had a peel It is ideal for people seeking rapid lead to a shorter period of time because. sessions can be duplicated at shorter periods than with other peels including the Status Peel. A. single treatment with our RADIANCE PEEL will create glowing results that you can extend by utilizing. proper skin care and sun defense. It is the ideal treatment before any major event in your life. including wedding events, graduations, anniversaries, and birthdays, in truth, any time you want to have. remarkable looking skin. The LUSTER PEEL includes a personalized post-peel treatment bundle and. specific guidelines on ways to optimize your outcomes and look after your skin during the post-peel. healing phase. Visit www.medspasnearme.com

    MELANAGE PEEL: This. customized peel is the dream peel for any one with irregular pigmentation on their face or neck. Typically referred to as Melasma, this peel will reduce any irregular coloring and coupled with our. top of the line coloring option, LUMIXYL( Link), your skin will have the most even tone. possible.

    CHEMICAL PEELS: Chemical peels at Medspa 21 are personalized to remedy each customer's person. skin issue. Our estheticians can personalize any option to correct chronic acne, acne scars, sun. damage, irregular pigmentation, great lines and laxity. We have 30% salicylic acid for acne vulnerable. skin, 14% modified Jessner's for acne prone or sun-damaged skin, 17% AlphaBeta for appropriate irregular. pigmentation, 15% TCA for aging or sun harmed skin and all peels can be integrated with Hydrafacial. treatments and our excellent skin care items for incredible results.


    gloMicrodermabrasion: Exfoliate, fixes and replenishes. your skin. Glo serum is added to the microdermabrasion to offer enhanced. outcomes.

    gloEnzyme with Microdermabrasion: This enzyme facial with microdermabrasion helps to cleanse your skin, clearing. out your pores and making your skin clear and glowing.

    gloLactic with Microdermabrasion: This is the best micro-peel for aging skin producing a quick result without any. downtime. Perfect for people desiring a quick outcome.

    Vita-C microdermabrasion: Ideal for sun damaged skin. Vitamin C helps recover the damage and refresh your skin. offering it the nourishment it requires.


    glo21: This is Medspa 21's premier facial. service. A 75 minute escape to unwind, refresh, replenish and renew and is tailored for your skin. type.

    clear21: This is. the finest clarifying facial for acne prone skin and includes 60 minutes of deep cleaning,. anti-bacterial and refining skin treatment in a soothing environment.


    LASER HAIR REMOVAL: Medspa 21 is house to two of the top. estheticians in Houston. We use numbing cream prior to starting the procedure and have. continuous Zimmer cooling making hair removal virtually pain-free. Hair elimination typically. needs 4-6 treatments and touch up treatments in 6-12 months. Don't let anybody tell you it is. irreversible. Your body produces brand-new hair roots with time, which is why the retouch is required! Laser hair elimination is permanent for each hair follicle dealt with. This treatment at Medspa 21 makes. hair removal as long-term as possible!

    LASER PICTURE TREATMENTS: Coloring can be unsightly and. make your skin appear older than you want it to look. The estheticians at Medspa 21 are experts in assisting to lower. pigmentation anywhere you don't desire it. Dr. Marino. is constantly on site and readily available for consultation to evaluate any pigmentation if. required. Image treatments can be performed on any. skin surface including hands, arms, face, legs, neck, declotee or perhaps post-surgical. areas. The estheticians might likewise advise. customized chemical peels, Hydra-Facial with LED light treatments and skin care items to assist. keep your complexion even and radiant.

    LASER VEIN TREATMENTS: Hyper-vascularity and varicose. veins prevail issues that can be dealt with successfully at Medspa 21. Our estheticians are. thoroughly knowledgeable in dealing with unwanted vascular modifications including Rosacea and spider. veins. Post laser treatment for vascular modifications might also include Hydra-Facial with LED light. and skin care items to assist lower the danger of. reoccurrence.

    LASER SKIN TIGHTENING: Loose skin is a common problem as we age and our estheticians will artistically treat your skin with our laser to tighten up the. areas that will produce the ideal results. Laser skin tightening is an excellent choice for. skin tightening up on the face, neck and declotee. Our estheticians might also suggest LipoEx for larger areas or complete face and neck, chemical peels, Hydra-Facial with. LED and our broad range of skin care products to assist. maintain and optimize the tone of your skin.

    read more
  4. Using Botox & Dermal Fillers Can Greatly Decrease the Appearance of Wrinkles & Fine Lines In The Face

    Thu 02 February 2017

    Dermal fillers are used to fill anxieties in the face. The anxieties could be deep wrinkles, folds, scars or pitted acne scars. Fillers are one type of injections that are popular non-surgical cosmetic treatments in. The treatment can be carried at any time throughout the day. If you have a stressful schedule, you can skip lunch and get the treatment done.

    Tailor your treatment with dermal filler injections and other treatments. Fillers might be dissolved immediately and last from six months to 2 years. No age limitation is fixed to get this treatment even if the client is an 18-year-old.  Learn more about Botox injections Visit Botox Del Mar

    An inject able facial implant, also described as facial soft tissue fillers, wrinkle fillers, or dermal fillers, are unique medical implants. These have received approval from various medical boards and councils in for being used in order to produce a fuller and smoother look on one's face including in such areas as the lips and cheeks.

    Simply due to the fact that a wrinkle-filler is available in the market does not mean that it appropriates for fighting any kind of wrinkle. It is only by utilizing the correct product that a person can expect the finest outcomes and least threats. This is the main reason that such fillers should just be injected by plastic surgeons and skin specialists accredited by the board in and who possess unique training in this regard.

    Types of Dermal Fillers

    Hyaluronic Acid Wrinkle Fillers

    Hyaluronic acid ranks as the most popular category of wrinkle filler present in the market. The various products that fall under this classification of dermal fillers have a various way of working with varying results in each case. Using this item hardly ever produces any kind of negative effects in. However bruising, swelling, and redness might be observed at the site where the injection is administered. The filler material also has the tendency to reveal up in the form of tiny bumps under the skin, although the issue relatively declines over a time period.

    The level of effect after usage of this cosmetic filler product varies from anywhere between numerous months to over a few years. Results gathered from extensive research points to that the use of duplicated injections assists in stimulating the natural collagen production in the body, which triggers a reduction in the number of wrinkles and lines. Proof likewise exists in that over an amount of time, less quantity of the filler material is required for achieving the exact same appearances.

    Synthetic Wrinkle Fillers

    A reasonably smaller sized category of cosmetic filler products, these include a number of lab-made substances that hold no relation to what is naturally present in the skin.

    The adverse effects of all filler products that fall in this category are similar, consisting of bruising, swelling, and inflammation at the injection website. Other regular negative effects that are popular and visible include Bumps and blemishes under the skin. In rare circumstances, these might even require surgical treatment to be eliminated.

    A longer-lasting effect is its most significant advantage. Furthermore, the synthetic wrinkle fillers use an irreversible filling of the creases and lines on one's face. However, it is also vital to remember that inappropriate use of this category of dermal fillers can lead to total disfigurement.

    Autologous Wrinkle Fillers

    The primary component for all items in this category is fat. Fat from the stomach, buttocks, or thighs of a person are surgically eliminated and treated before being injected back into the face. The outcomes of using this type of cosmetic filler is generally semi-permanent, but if over an amount of time a number of injections are administered, it can assist produce irreversible results.

    Another type of autologous wrinkle filler in is platelet-rich plasma injections. The procedure of treatment involves drawing blood from the arm and after that injected into the face, with effects lasting for around 12 to 18 months. The dangers of utilizing this kind of dermal filler are no different from the rest with swelling, bruising and inflammation, being the most typical results.


    While it is not the most pleasant experience to have a needle piercing one's skin, wrinkle treatments do not offer us much choice. For those who have an overwhelming fear of injections in, the only way to overcome this worry is to sit back and consider how stunning their skin will look following a surgery. The remainder of the procedure need to be pretty easy, once they have actually overcome this fear.


    read more
  5. 4 Must-Read Tips on Testing a Used Vehicle

    Sat 14 January 2017

    If you are going to get a secondhand vehicle, you have to make it as safe as possible. This implies you need to do a really cautious inspection and a correct test-drive. For those who wish to get secondhand autos in Brisbane, it is crucial for you to be well informed about the components to examine, the noises to listen to and points to observe while test-driving used cars. Below are 4 must-read ideas that can help you to purchase a secondhand vehicle that could offer you well for years ahead.

    Beginning By Establishing a Criterion

    Any person purchasing a used vehicle ought to establish their very own standards of efficiency. One efficient way to do this is to see a regional automobile rental firm. Try to find the sort of automobile you wish to get (ideally it is not a very old version) as well as rent it for a brief duration. Drive it on some of the roads you intend to test drive the vehicle you wish to purchase. This will offer you a smart idea concerning how the vehicle need to work.

    Execute a Thorough Examination

    Next off, prepare to perform an extremely comprehensive examination of the automobile. Make a checklist that covers all major facets of the auto. As an example, the tires, brakes, guiding, interior, seat, CD player, stereo, bodywork as well as other things under the hood. You can make use of a rating system on a scale of 1 (for bad) to 5 (for exceptional). In addition to the ranking, you ought to leave room for remarks, e.g. "Safety seat is neat but it is tough to adjust."

    After preparing your list, it is time to see a car dealer. Keep an eye out for car dealers that will certainly offer you a "24 Hr cars and truck". This implies that you are enabled to take the car home as well as test it for a day. Yet even before you take the auto for a test drive, you ought to accomplish a proper evaluation:

    Get the Vehicle Identification Number. It is usually inscribed on the internal part of the driver's door. Use this to inspect the vehicle's history online.

    Inspect the tires; check for uneven wear and also utilize a gauge to measure the thread.

    Check under the auto for leaking liquids.

    Open the hood while the engine is on to attempt as well as listen to any type of hisses, ticks or knocks.

    Allow the salesperson being in the car and also operate the brake lights, headlamps as well as the turn signals.

    Do a Personal Examination Own

    Prepare to drive for at the very least 10 miles so you could effectively assess as several standards as feasible. After testing the sound system, air conditioning system and also heating unit follower, placed them off so you can listen to all the sounds as well as sounds coming from the car. Hear the engine as you change rates, do you see any kind of unusual audios?

    Look for problems with the steering and suspension bushings. This typically turns up in type of notches that occur when you turn the guiding wheel. You should likewise utilize a totally free parking lot to evaluate the toughness of the driving shaft. The majority of all-wheel drives and front-wheel drives can be evaluated by making slow tight circles. These could be done by turning the guiding wheel totally, in one direction and after that in the other. Observe any clicking or squeaky sounds. This test drive should include both highways as well as normal surface roads.

    Let Your Mechanic Examine it For You

    After doing a test drive by yourself, you must additionally permit an expert mechanic to test drive the cars and truck for you, automobile auto mechanics always below some noises. Despite the fact that it could cost you a small fee, it is worth the quantity paid. Let the mechanic examination it on the same route you made use of for your test drive and also offer you an unbiased evaluation.

    It is well known that in some cases it is much "less costly" to spend a little bit even more money at begin after that making expensive solutions after a month or two.

    Those are 4 beneficial tips on how to check a secondhand cars and truck. Evaluation them once again as well as utilize them whenever you are planning to purchase secondhand cars and trucks in Brisbane, London, Miami or any other larger city. 

    Always remember, if you need to obtain cash for your truck buyers in Orange Region.

    read more
  6. Dyson DC28 Animal Review

    Wed 29 November 2017
    Dyson DC28

    Meet The Dyson DC28

    Of every one of the vacuum cleaners out in the market, Dyson DC28 is definitely the optimum rated unit I had the chance to assessment. In the beginning I’ve hesitation of executing this. But I realized this Dyson DC28 overview is essential for those who are planning to spend money on this instrument. For people who have lacked of knowledge in regards to cleansing applications, you need to be noted that not all vacuum cleaners obtainable are produced equally. I’m certain you have listened to it over and over but that’s true.

    Just this calendar year, my vacuum has stop working. I used to be so dissatisfied due to the fact my mom in law was going to go to at the moment. Of course, you haven’t any choice but to vacuum the floor. I’ve two young children in addition to a pet dog in your house. So, would you envision the messes my youngsters by yourself make in each day foundation? During wintertime they go outdoors and stomp in with plenty of leaves. As well as that my pet is shedding twice within a year. An additional baggage when vacuuming the floor! Just about every time I observed the mess, I can not wait around to hoover it. When you know, mothers like us are usually worried together with the cleanliness. But how can i vacuum the floor when my unit will not be performing? So, I straight away opened my computer system and tried to locate sites that provide vacuum cleaners. The good news is, I finished up with this particular Dyson DC28.

    Being a bagged type of vacuum cleaner, Dyson DC28 won’t call for dust basket since it has the canister where the filth is undoubtedly saved. The HEPA filter is washable and can previous for extensive. Contrary towards the debate about bagless and bagged vacuum cleaners, the canister of this unit is simple to unload since it has an indicator that lets you know when to accomplish these types of detail. You don’t ought to twist the duvet in order to open the canister for the reason that you are able to do it in just click with the button. This is a big edge because you are going to prevent the dust stuffed mess from scattering over the area.

    Dyson DC28 Vacuum is just like a human. You only have to established the cleansing degree working with the fingertip control setting and the unit will do the work. But certainly when hunting to get a vacuum cleaner, the roller brush should be the first issue that you should contemplate. Dyson DC28 provides a flexible bar brush for straightforward maneuvering. As you want, you could move it up, down or facet by side. It’s really as many as you. The fingertip manage placing also means that you can make your mind up what degree of cleansing is necessary to the surface area. It incorporates gentle clean, rinse, significant and ordinary. The 17 ft telescopic extension wand is additionally great for getting rid of the cobwebs within the ceilings or even about the kitchen cabinets.

    The Dyson DC28 Animal is simple to assemble ideal away from the box, mainly because it merely involves snapping a few of its accessories into put. It can be layout is sturdy and durable, so it firmly sits within the ground, as opposed to a few other vacuums that happen to be too light-weight for being successful for extensively cleaning and in many cases topple in excess of although cleaning. In all probability one of several most valuable goods incorporated along with the product or service may be the reach wand (that extends nearly 16 ft), which lets you clear elevated areas, like the dusty spots higher than your curtain rails or maybe the nooks and crannies of the chandelier. Also, its uncomplicated fingertip controls assist you to activate or alter the brush bar, therefore, creating it uncomplicated for almost any person to make use of.

    Dyson DC28For those who a tad cautious on the Dyson DC28 Animal, then the producers could be able to present some relief with their 5 12 months guarantee. And there’s no really need to concern yourself with getting bags on top of that on the unit, as its 5/8 gallon bin potential is totally bag-less. Over-all, this solution is good for the people with pets in their home and for asthma sufferers, as it simply eradicates pet hair, dander and mud particles with its fantastic suction.

    You might want far more energy for pet head of hair instead of simply just any vac will suffice. In this particular case in point you only are needed to make investments in a very valuable canine head of hair vac cleaner. Yet, instead of investing in addition substantially on extravagant capabilities you really should take into consideration the Dyson DC28 Pet HEPA filter upright vacuum cleaner. One exceptional on the unique properties of the upright vac cleaner cleaner could be the Root Cyclone technologies. When employing the support of this engineering you can definitely transform keep away from things to consider like suction decline. Effective cleansing is confident devoid of any worries about clogging in the Dyson Chien upright vac cleaner.

    Without having a doubt, Dyson DC28 is one of the potent vacuums out there today. Getting a costumer as well as a products reviewer, I’d endorse this software to anybody who wants electric power when vacuuming.

    read more
  7. LifeLock History Journey to the Top

    Tue 24 January 2017

    Attaining the status of being the leader in identity theft protection industry didn’t happen overnight. But how did LifeLock achieve success and growth in leaps and bounds in such a relatively short period? First, LifeLock is passionate and totally dedicated about carrying their mission; and second, their innovative product is truly unparalleled – that’s how. Read on and find out the entire story of LifeLock’s success.

    The Big Break

    When it was incorporated in April 2005, LifeLock’s initial services were typically limited to providing fraud alerts to clients/members; curtailing the number of pre-approved credit offers, phone solicitation calls, and junk-mails that their customers received; and furnishing clients with their annual credit report – just like every other company in the industry. Still, the company managed to have a customer base of 2,500 members by the end of 2005.

    While other companies were perhaps quite complacent with the industry status quo that went on and on year after year, LifeLock founder and CEO Todd Davis together with his partners were farsighted enough to see that they could do a lot more beyond the typical. The team always believed that all the company needed was one big break.

    In February 2006, the first big break which was going to be the turning point that jumpstarted LifeLock’s growth and expansion presented itself. In an unprecedented audacious move, Davis boldly announced his Social Security Number for the entire world to see – in an interview on national television, no less. This was the decisive moment that launched LifeLock to untold heights. LifeLock was unstoppable from then on.

    Despite limited advertising and mostly relying on interviews for visibility, Lifelock managed to gain ground and was becoming very popular all over the U.S. at high-speed level. So much so that in November 2006, the company was able to forge a partnership with Bessemer Venture Partners; one of the leading and most renowned venture capital firms in the world. With the required funds taken care of and provided by Bessemer, LifeLock moved its main office to Tempe, Arizona in a new operational base with highly secured facilities; augmented the company’s advertising campaign; and raised the number of employees to 30. As 2006 ended, there was a recorded growth rate of over 1100%, bringing the total of signed up members to 30,100 – with even bigger projections for the following year.

    Unique Approach

    With the impetus that the first radio advertising campaign provided, LifeLock continued with the expected hyper-growth; adding over 68,000 more members in the first quarter of 2007 and ending the year with a booming total of 600,000 plus members, which accounted for a 1600% growth rate over the past year. At this point, LifeLock had to increase its manpower to over 200 employees.

    Not long after the significant momentum, LifeLock put into motion its plan to provide ground-breaking identity theft protection services and developed WalletLock, a LifeLock feature that assist customers with lost or stolen wallets in (first) canceling, then replacing credit cards, bank cards, professional licensure cards, Social Security cards, checkbooks, traveler checks, and other important documents that may have been compromised. This unique and exclusive feature was provided to all existing and new customers in December 2007 – at no extra cost.

    The year 2008 could be considered one of the best years in LifeLock’s dynamic history. Just a couple of months or so after WalletLock was launched, TrueAddress and eRecon were introduced, two more innovative and exclusive featured services that use avant-garde technology in scanning and monitoring the Internet for any sign that a client’s identity or personal information has been stolen, sold, or traded.

    These additional layers of protection further enhanced LifeLock’s viability as a reliable identity theft protection provider; pushing up the number of members to 700,000 by the spring of 2008. Barely a month after, LifeLock stepped up into another high point; finally hitting the mark of one million members in May of the same year. With that came the necessity of increasing the company personnel to nearly 400 employees in order to adequately and efficiently carry out the guaranteed excellent service to its customers. This was also the year when the company was voted one of the Top 100 Start-up Companies in the world and was conferred the 100 Global Award by Red Herring. Another highlight in this particular year was the acquisition of additional venture funds (roughly estimated to be around $40 Million) from such industry giants as Goldman Sachs and Kleiner Perkins Caufield & Byers; and of course, Bessemer Ventures.

    To date, LifeLock has remained steadfast in their commitment to provide protection to their customers against identity theft. It prides itself in being the pioneer company to give emphasis on proactive method of stopping identity theft and fraud crimes before it happens; rather than fixing the problem after the theft has occurred and someone has already become a victim. LifeLock believes that educating the American consumers about identity theft and its dire consequences is the key to forming effective strategies to fight the crime in the national level. That and the concrete measures, featured services, and proven effective techniques/methods that LifeLock had put in place are the primary reasons for the company’s exceptional growth and swift rise to being the recognized industry leader in the prevention of Identity theft and protection against illegal use of stolen personal information.


    Valtho.org Identity Protection
    read more
  8. Criticism, hostility and non-support: three different animals

    Fri 13 January 2017

    If you find yourself in agreement with a dominant belief - the most popular religion in your culture, a love of the favored local sports team, or the belief that life is mostly neat and people are mostly good-hearted - you may occasionally have trouble distinguishing someone who doesn’t lick your butt in agreement from someone who is actually attacking you. This post includes tips on how to tell various members of “Them” apart.

    First of all, let’s discuss the source of your confusion. The most common reason for thinking people are either with you or against you is that you don’t realize that some people actually arrive at their own opinions rather than just adopting other people’s opinions in a show of solidarity. If you’re an opinion adopter, you may tend to assume another person’s shifting opinions are meant to passively-aggressively signal shifting loyalties. You may feel the person is abandoning your team for another team. In fact, some people engage in a process called “thinking” by which they evaluate how much logical sense an idea makes. They may re-evaluate the idea when they obtain new life experience or knowledge. It doesn’t mean they hate you or want your beliefs to fail or want you to stop believing as you do.

    Remember: there are other ways for a person to be a good and loyal friend or colleague to you than by mirroring your beliefs back to make you feel good about yourself.

    When your adopted opinions and beliefs are mainstream, you feel safe. You believe that everyone feels the same pressure you felt to conform, and that everyone is shares the weakness that forced you to conform. Therefore when someone doesn’t conform, you think they’re some kind of crazed monster - a dangerously fucked up nutjob. You feel entitled to lash out in attack. In fact, some people have a trait called strength which enables them to feel pressure from others without giving in. They know people want them to echo their beliefs back to them like a tape recorder, but they have their own ideas. They’re (usually) not doing it to spite you; they just really see things differently.


    Critics break down ideas into chains of logical thought, then evaluate how sound that logic is. For example, the critic will not accept that “the hole in the ozone is for Jesus to come through” as a logical precept because there is no logic: it’s just an idea you’ve chosen to embrace. The critic is not saying you can’t embrace it, nor is the critic (necessarily) saying it’s a stupid thing to believe (though I have made the argument that if Jesus needs help from hairspray manufacturers to make His Second Coming, perhaps He is not All That). The critic is merely saying you have offered no persuasive reason or fact to compel him to agree with you. It would be absolutely inappropriate at this point to spray paint his car with the word “Fornicator” or similar.


    Boy, these guys have it rough. They don’t even want to criticize your beliefs or debate with you. They just want to live and let live. Unfortunately, they’re a Democrap in a Repubican region or vice versa. Or they’re a Muslim in Christian redneck heaven. Or they’re a woman/person of color/gay person/etc. who, when asked for an opinion, gives one instead of saying cheerily, “Gosh, I dunno, but I sure trust Mr. Cracker to know what’s best for me. I’ll just go over here and be harmless, ‘kay?”

    My advice here, based on years of personal experience and careful consideration, is simply leave these people the fuck alone. I mean, what damage do you actually think they’re doing to you? They don’t even want to talk to you! You just come over and start telling them your opinions with the expectation that because everything you think is mainstream they will say, “Oh yeah, me too!” and when they don’t, you’re so bothered by the fact there’s somebody on this earth who just blithely doesn’t have to agree with everyone else to function, you can’t stand it, so you decide to harass them daily. And even if they say they agree with you to make you go away, you know it’s not true, so you keep harassing them for no other reason than punishment.

    Can you not see that you need psychiatric help? You do. Not them - you.

    Hostile people

    Now, there are indeed people who are hostile to mainstream beliefs just to irritate you, or to maintain the belief they are cool, or whatever. These people are rare, but they exist. These are the people you can feel entitled to fight with or dislike, and you will recognize them because:

    • Unlike critics, they can’t offer logical arguments about their beliefs/opinions, i.e., can’t tell you why they think what they think.
    • Unlike non-supporters, they change their beliefs again if everyone starts agreeing with them
    • Unlike both critics and non-supporters, they harass you with their beliefs all the time in order to irritate you. (Note: “harass” doesn’t mean “expresses their weirdass beliefs right out in public instead of in darkened basements, where such ideas belong”; it refers to an actual pattern of intentionally bugging the hell out of you, specifically, on a regular basis.)

    In other words, they’re exactly like you. Except they feel they’ve got a score to settle, and their chosen method is rebellion. It’s not a sincere rebellion, it’s just rebelling to annoy people. Because they’re pricks and you’re a prick too, I highly recommend that you guys engage in an escalating pattern of violence until you remove each other from the overburdened ecosystem.


    read more
  9. Privilege means never having to explain why it doesn’t work for Others

    Fri 13 January 2017

    One of the most annoying privilege memes I’ve ever dealt with is “Anyone can get rich in this great country; if they don’t, it means they’re just not working hard enough.” I encountered this meme almost daily as a kid growing up in a highly conservative “red state” in the US, but I imagine there are variations of it all over the world. The basic idea: “This society is working out great for me; if it’s not for you, that might mean we need to make changes, and that could mean I would lose something, and I don’t want to, so I’m going to blame you. If this society isn’t working for you, it’s your fault.”

    If my needs have been easily met my whole life - not just for food and shelter but for things like dignity and fair chances - I may be less likely to notice that you, in my very same society, are not getting yours met. It never occurs to me that other you could be making the same efforts in life but getting a different result, right in my backyard.

    I don’t realize how privileged I am.

    And my privilege to be in the favored group creates another privilege: my philosophy of life need not account for the lives of Others, i.e., people not in my favored group. What about all the people working 2 jobs - more if they can get them - and never getting ahead? Are they not “anyone” and are they not “working hard enough”?

    “Well, they’ve made bad choices,” I say, pictuing unattractive middle aged women and people of color slaving away in restuarants or factories or as maids and janitors. I don’t even think of potentially lethal jobs in coal mines and oil rigs because I don’t see those places. I picture these Others getting themselves criminal records or unexpected baby mouths to feed, because they made bad choices. I don’t think about the time Daddy got my arrest record expunged so I wouldn’t get kicked out of college. I don’t think about how my sister handled her unexpected high school pregnancy so it wouldn’t affect her future. No, the choices made by people Like Me are justified by the end result. The choices made by Others are condemned by the end result.

    But they’re frequently the same damn choices.

    The fact is, some poor people do make bad choices. But some of the most powerful, rich and successful people in my country have made the very same choices - drug abuse, running over pedestrians while driving drunk, gambling, wasting money like crazy, unplanned pregnancies. If these choices don’t have a consistent result in the life of everyone who makes them, they can’t be the cause of the effect that is poverty.

    But I don’t have to consider any of that. I can just dismiss you as argumentative and go watch some mainstream news channel which reaffirms my view that all is right in the world. There is no mainstream channel that reaffirms the viewpoint of Others: and that’s their own damn fault because they haven’t created those channels or proven themselves a valuable consumer group to market to. All is right in my little world.

    read more

Page 1 / 2 »