Tag : Year

6 Business Icons Who Made TIME Person of the Year #the #small

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TIME has dedicated one issue to the “Person of the Year. ” The award, which is “bestowed to those who have, for good or for ill, most influenced the news and our lives in the past year,” has gone to politicians, scientists, humanitarians and entrepreneurs. Click through to see the business icons who have graced the magazine’s famous cover over the years.

1928 – Walter Chrysler

Before starting what would become one of the largest automotive manufacturers in the United States, Walter Chrysler worked as a railroad mechanic and locomotive machinist in West Texas. After serving as the head of Buick for three years, Chrysler was tapped to turn around the failing Willys-Overland Motor Company in Flint, Michigan. The now defunct company would become the automaker known today as Chrysler. Two years after being awarded Person of the Year, Chrysler financed the construction of the Chrysler Building in New York City, all with his personal fortune. The building stood as the tallest in the world for 11 months, when the Empire State Building surpassed it. Upon his death in 1938, Chrysler’s estate was worth roughly $8.9 million dollars – almost $150 million by today’s standards.

1955 – Harlow Curtis

In 1914, Harlow Curtis, the son of a fruit vendor in rural Michigan, responded to a newspaper ad for a bookkeeper position at the AC Spark Plug Company in Flint, Michigan. Following 15 years of service at AC, Curtis was named president of the spark plug company. According to GM’s online history portal. Curtis worked his way up the Detroit-ranks, landed a position at Buick and eventually became president of the highly profitable GM branch. In 1953, Curtis was named president of General Motors, and at his helm became the first American company to reach $1 billion in profits. A year later, TIME named Curtis “Man of the Year” in recognition of this achievement.

1991 – Ted Turner

Now a household name and waiting room fixture nationwide, CNN had plenty of skeptics when Ted Turner launched the first 24-hour news network in 1980. Built on the foundations Turner had put into place as the head of his father’s advertising firm and as the owner of the Atlanta Hawks basketball team, Turner changed news from a once-daily occurrence to a never-ending cycle. As of 2010, CNN was streaming to 100 million American households and another 98 million satellite subscribers throughout the world. Turner is worth $2.2 billion, according to Forbes . making him one of the wealthiest men in the country. The wealthy conglomerate extends beyond media, too. Ted’s Montana Grill serves up western-inspired food sourced from Turner’s bison located on ranches throughout the west and abroad.

1997 – Andrew Grove

As he proclaims in his book, “Only the paranoid survive.” This is the driving principle that has made Andrew Grove so insanely successful. Born in Hungary, Grove escaped communism to finish his education, earning a Bachelor of Science degree in chemical engineering from City College of New York and a Ph. D. from the University of California, Berkeley. Grove was a pioneer the burgeoning semi-conductor industry. Once at the helm of Intel, Grove revolutionized the company into the highest valued computer chip maker in the world today. Under Groves leadership, Intel saw an increase in revenue from $1.9 million in 1987 to an astonishing $26.27 billion in 1998. Steve Jobs idolized Grove, seeking his advice when considering a return to Apple as CEO. In 1997, a year before Grove relinquished his title of CEO, Grove was awarded “Person of the Year ” on the 50th anniversary of the invention of the transistor.

1999 – Jeff Bezos

The e-commerce pioneer is most well known for his establishment of Amazon as an Internet commerce icon. Originally a source for books, Amazon had expanded to almost everything by 1999 when Jeff Bezos was awarded “Person of the Year.” Born to a teenage mother, Bezos was technologically adept from a young age, tinkering in his parents’ garage. In 2013, Amazon reported net revenue of $74.5 billion and employed over 132,000. Alexa, the domain ranking service, credits Amazon as the seventh most-visited website in the world. Since his recognition, Bezos has been up to quite a bit. In addition to his continued innovations at Amazon (did someone say drones ?), he acquired The Washington Post from longtime owners, the Graham family. Bezos is betting on his knack for web innovation to bring the publication into the digital age.

2010 – Mark Zuckerberg

The same year as he was hailed as TIME’s “Person of the Year “, The Social Network film sealed Mark Zuckerberg ‘s place as an American demagogue, next to the likes of Steve Jobs and others. In a Harvard dorm room, Zuckerberg and friends created what would become Facebook. The website spawned an entire social networking industry. Facebook’s massive $5 billion IPO, the third largest in history, would increase Zuckerberg’s wealth to about $33.1 billion, according to Forbes . making him No. 16 on the list of wealthiest Americans. His wealth makes him part of an elite club – one of three people with more billions than they have years of age. As of September, Facebook boasted 864 million daily active users .



Analysts give their top stocks to watch this year #ideas #for #starting

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Analysts give their top stocks to watch this year

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At last investors can put the 2015-16 financial year behind them and concentrate on 2016-17 when Australian companies are expected to start lifting profits once more.

Better still, while the year just ended may have been lacklustre overall for listed companies – and a good deal less than lacklustre for some – the recent reporting season has thrown up several stocks that warrant placement on shareholders’ radar screens.

The year to June 30 was “not great” for corporate profits, in the words of Shane Oliver, head of investment strategy and chief economist at AMP Capital.

Earnings per share tumbled about 8 per cent, driven by a 47 per cent slump in resources profits and a 4 per cent decline in bank profits.

Credit Suisse analyst Richard Hitchens notes that revenue growth was “very hard” to come by, while the trend for cost cutting dried up, taking a toll on margins.

Related Quotes

Looking up

But this year should be a better story.

As Oliver notes, across the market as a whole profits are expected to rise about 8 per cent, thanks to the improved outlook for the resources sector, higher commodity prices, improved supply conditions and cost cutting.

Several companies whose top line is dependent on the health of the Australian economy complained that the drawn-out election campaign dented consumer confidence in the June quarter, which should augur well for the current year.

Further, companies in the S
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16 Best Entrepreneurship and Business Leadership Articles of the Year #women #business

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Learn how to transform your life for the better with 16 of the Web’s favorite entrepreneurship and leadership articles from this year. Guaranteed to encourage and inspire, these popular posts are absolute must-reads.

1. Mentally Strong People: The 13 Things They Avoid

Mental fortitude is essential for entrepreneurship, and in this wildly popular Forbes article, Cheryl Conner discusses what makes a mental strong individual and the 13 things they avoid at all costs (with tips from psychotherapist extraordinaire Amy Morin).

2. How to Turn Small Talk Into Smart Conversation

In this TED Ideas post, Chris Colin and Rob Baedeker break down how to transform an ordinary conversation into an extraordinary one. This pithy piece shares how to substitute one-line answers for stories, swap mundane response mirroring for absurd (but astute) observations, and how to get the most out of the often-mangled art of conversation.

3. Richard Branson to Young Entrepreneurs: ‘Just Do It’

In an Inc. piece by Oscar Raymundo, famous entrepreneur Richard Branson, founder of the Virgin empire (Virgin Airlines, Virgin Mobile, etc.) explains why risk is an inherent aspect of entrepreneurship. Sometimes you just have to go for it, no matter what others day. Richard did and I’d say thing are working out pretty well for him.

4. Why Good Leaders Make You Feel Safe

In this powerful TED Talk, Simon Sinek suggests that great leaders are those whom others feel they can trust–good leaders make people feel safe. Learn how to create a secure environment for your co-workers and employees while understanding that, while this undertaking is no easy task, the rewards and trust you’ll earn is invaluable. (A transcript is available too, so you don’t need to watch the video if you’d rather read.)

5. The Top 5 Reasons Why ‘The Customer Is Always Right’ Is Wrong

Alex Kjerulf of the Huffington Post explains why this classic maxim is a major mistake. Companies need to be willing to go to bat for their employees, and suggesting that the customer is always right can be detrimental to worker moral. Instead, show employees the respect they deserve and they’ll return the favor with superior customers service and more company pride.

6. Why You Hate Work

This New York Times article by Tony Schwartz and Christine Porath explains the modern employee’s psychological needs and how they aren’t being fulfilled. The article details an interesting study in which workers rated their fulfillment at their workplace, based on several different components (time for creative thinking, opportunities to do what you enjoy, a sense of community, connection to your company’s mission, etc.).

This article isn’t doom and gloom though–it will help companies understand what they need to do in order to improve their workplace and create happier, more fulfilled employees (who also work better).

7. Think You’re Too Old to Be an Entrepreneur? Think Again. (Infographic)

Despite the trend in Silicon Valley, entrepreneurship ain’t just for the young. Some of the most successful entrepreneurs don’t even think about launching a startup until they are in their 30s, 40s, and even 50s, after gaining more work experience. This infographic from Entrepreneur shows successful individuals who took their own sweet time to find their calling. “Not all who wander are lost” indeed!

8. 10 Reasons You Have to Quite Your Job in 2014

James Altucher sees the writing on the wall–the middle class is vanishing and it’s time to take real control of your life. James writes, in this philosophical yet painfully acute LinkedIn piece, why your life needs to be more than a paycheck and how to use entrepreneurship to create a better future.

9. 6 Toxic Behaviors That Push People Away: How to Recognize Them in Yourself and Change Them

Kathy Caprino points out several toxic behaviors you may be harboring, sometimes without even realizing it! Adjusting these bad behavioral habits will make life exponentially better for you and for those around you. See if you’re guilty of any of these.

10. 50 Signs You Might Be an Entrepreneur

Entrepreneurs are a certain kind of individual and they display their aptitude with a number of traits. See if any on this list by John Rampton sound like you–if more than a few ring a bell, you’re likely to be an entrepreneur (and if you’re not yet, maybe it’s time for a career change)!

11. How to Become a Millionaire by Age 30

Dreams do come true–or they can, if you follow advice from Grant Cardone in this Entrepreneur article. Learn what you need to do to make the big bucks before you turn 30.

12. Why Google Doesn’t Care About College Degrees

In this article by Venture Beat, Gregory Ferenstein explains why Google cares less about college degrees and more about the quality and character of their hiring candidates.

13. How Things Change

This succinct story by Tech Crunch’s Greg Kumparak is a just a few short lines and tweets. Telling the tale of Brian Acton’s personal experience (creator of WhatsApp), it sweetly and simply shows how when one door closes, another down the hall opens. And it opens into a swimming pool of Jello, talking zebras, and saxophone-playing dinosaurs. Or something close to that anyway.

14. How Quitting My Corporate Job for My Startup Dream F*cked My Life Up

In this story, Ali Mese reveals the unexpected difficulties that come with abandoning the corporate world for the startup dream. You may have planned on financial burdens, but have you considered the social distancing? The anxious parents? The frustrated fianc? Mese reminds us that entrepreneurship isn’t all sunshine and puppies–but is it worth it all in the end? I won’t spoil it.

15. 7 Things Remarkable Happy People Do Often

Inc. magazine’s very own Jeff Haden explains in this article why happiness is a choice, and how we can take small actions every day to make ourselves happier. It may not seem like rocket science, but it’s all too common for people to overlook the tools and techniques they can use to take joy in the world around them. Get started on these exercises and begin a better outlook.

16. The Day I Stopped Saying ‘Hurry Up’

In this touching article (probably considered corny by some), Rachel Stafford shares the day she choose to erase the word “hurry up” from her vocabulary. Whether in the workplace or in family life, this touching Huffington Post piece reminds us that life is something to be enjoyed and savored, not rushed through.

Like this column? Sign up to subscribe to email alerts and you’ll never miss a post.

The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.



Buying an Internet Business – Why 2016 is the Year to Buy

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Buying an Internet Business Why 2016 is the Year to Buy

The start of a new year is always a natural time of year to make plans for the future. be it personally or professionally. It’s a good time to take stock of previous experience and think about what’s taking place in the world. Indeed, you don’t have to look too far for predictions posts at the moment, the internet is positively awash with musings about the year ahead with many exciting internet marketing trends predicted (mobile, the internet of things and as ever, more content marketing!)

Strangely though there is not much in the way of thoughts on business buying in 2016,particularly for buying an internet business. so I’ve put some thoughts together on why 2016 is potentially a very timely year to buy.

Buying an internet business – macro favors the opportunist

There’s so much uncertainty in both the US and global economy at the moment that you can carve a pretty convincing argument either way for economic collapse or prosperity in 2016 (presumably that’s how Wall Street analysts keep in business come high or low…)

I think though that when it comes to small business ownership there is strong cause for optimism this year. Consumer confidence has continued to climb through 2016 to the mid 90 s. Good news for consumer facing e-businesses.

Investment levels always tell you something about the market’s sentiment toward both the economy and small business growth. Whilst you shouldn’t always follow the herd it’s important to note we operate in an economy based largely on consent, so if everyone else is investing it’s a good sign for personal acquisitions. US venture capital investment continue to grow year over year, and 2015 saw the largest amount of investment dollars.

Lastly, borrowing is an essential component for acquisition and growth and it’s refreshing to see that whilst SBA lending softened a little in 2014 to $3.8bn (from $4.0bn in 2013), the lender is anticipating a huge boost in 2015 to $4.8bn. If you’re looking to debt finance an internet business acquisition, 2016 could well be the year to do it.

A word of warning though, it can still be quite difficult to secure debt financing for online business acquisitions. SaaS businesses and recurring revenue models that have at least three years of history tend to be the most successful candidates for funding, though cash buyers will continue to have pole position in 2016. If you want to learn about alternative finance options you can read How to Buy a Website with Finance .

Surging internet growth continues

The nice thing about most internet trends is that they almost always face upwards which makes the old Chinese proverb of “the best time to plant a tree was 20 years ago, the second best time is now” true at the start of almost every year.

E-commerce continues to be one of the biggest areas of internet growth and eMarketer expects the global E-commerce industry to increase another $263bn in 2015 to $1.763trn (yes trillion), all boding very well for site owners and potential business acquirers.

Content sites will not miss out on a continued surge in internet usage as multi-device and particularly mobile usage make the web a major source of advertising dollars. Internet advertising revenues continue to rise with spending up across every single sector. from 5% YoY in entertainment to 20% YoY in retail. Digital advertising revenue is now worth more than $40bn in the US alone (as of 2014), second only to TV, and rising at 15% per annum (5x faster than any other medium).

It’s not just the growth opportunities that are appearing in the internet investment landscape, the risk factors are somewhat fading too. Many online business acquirers are cautious of pending Google algorithm updates particularly when looking at websites with high search traffic (and they are wise to be). With the last 18 months seeing an unprecedented amount of algorithm changes. things have now started to calm and the industry is expecting a smoother runway in 2016.

That’s not to say there won’t be movement but there is much less concern over 20% single-day traffic falls as we saw with the Penguin and Panda rollouts in 2013 and 2014. The good news for site buyers is that investors now have the pick of sites that are still standing after the updates and they also have some runway ahead before Google consider another major algorithm update.

Mobile is an explosive opportunity

A major part of the trends above is the continued penetration of smartphones across the US, Western Europe and Asia as well as the proliferation of multi-device. Multi-device ownership is increasingly commonplace in developed markets with 1 in 4 smartphone owners in the US and EU5 also owning a tablet.

Almost every internet marketing predictions post is citing mobile’s importance this year and its clear from listings at FEI that site owners who have mobile-optimised their sites (at the least) or built new service or content offerings around mobile, are very well positioned for selling. With Google putting greater emphasis on the mobile user experience, potentially even incorporating “mobile-friendliness” into its search ranking algorithm, mobile-friendly is now essential.

Digi-Capital predict 61.3% CAGR of revenue growth in mobile app revenue (ex-gaming) to 2017 which is a staggering growth rate and a huge growth opportunity for buyers of e-businesses and apps in 2016 and beyond. Advertisers worldwide are recognizing the increasing penetration of mobile and its impact on consumers, and in response, plan to spend more than $64bn on mobile ads in 2015. 60% higher than 2014.

Favorable industry trends

Thomas and I wrote about industry trends at the end of 2015 and we think they are aligning positively for buyers. Whilst there’s undoubtedly more buyers in the industry than ever before, the market is formalizing and this can only be a good thing for raising industry standards amongst brokers, sellers and other industry participants alike.

An exciting new development has been the launch of Escrow’s new domain name holding service in 2014 which has dramatically increased the scope for creatively financed deals in 2016. With domain(s) held in Escrow during the deferred consideration period there is much less fear about payment default, which warms sellers to the idea of earn outs, holdbacks and other financing methods. All of this is great news for buyers looking to stretch out their funds or structures deals for lower risk.

Speaking of formalisation, the website buying industry definitely embraced content marketing in the past few years and we have seen a marked increase in content posting by brokers, marketplaces and industry commentators alike. Centurica now publish an annual website buying report and its co-founder Justin Gilchrist also published an in-depth primer on business buying.

FEI published a free Guide to Buying an Online Business to help educate buyers on how to run through the process successfully and to raise awareness about the asset class. In short, there’s never been more quality information available about internet business buying which is great news for new and seasoned buyers alike.

Buying an online business?

Download our free 83-page guide to buying and learn all you need to know

If not now, when?

So there are a lot of good reasons why 2016 presents a unique opportunity to buy an internet business. But the truth is, every year gives advantages over the previous year. So, if you’re waiting for the perfect time, then you’ve perhaps already waited too long. The right time to buy a business is now! Don’t wait for any arbitrary date like January 1st.

Instead, commit to your plan and get started right now. Yes, 2016 will be a great time for buying a business but so is today .

David Newell

David is the Brokerage Director at FE International. Starting out as an investment banker, he moved online to use his transaction experience for website brokerage. At FE International, he spends his time speaking with buyers, executing deals and working on raising industry standards to encourage more investments. In 2014 he closed more than $6m in sales and wrote a book on buying internet businesses for investors new to the space.



16 Best Entrepreneurship and Business Leadership Articles of the Year #green #business


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Learn how to transform your life for the better with 16 of the Web’s favorite entrepreneurship and leadership articles from this year. Guaranteed to encourage and inspire, these popular posts are absolute must-reads.

1. Mentally Strong People: The 13 Things They Avoid

Mental fortitude is essential for entrepreneurship, and in this wildly popular Forbes article, Cheryl Conner discusses what makes a mental strong individual and the 13 things they avoid at all costs (with tips from psychotherapist extraordinaire Amy Morin).

2. How to Turn Small Talk Into Smart Conversation

In this TED Ideas post, Chris Colin and Rob Baedeker break down how to transform an ordinary conversation into an extraordinary one. This pithy piece shares how to substitute one-line answers for stories, swap mundane response mirroring for absurd (but astute) observations, and how to get the most out of the often-mangled art of conversation.

3. Richard Branson to Young Entrepreneurs: ‘Just Do It’

In an Inc. piece by Oscar Raymundo, famous entrepreneur Richard Branson, founder of the Virgin empire (Virgin Airlines, Virgin Mobile, etc.) explains why risk is an inherent aspect of entrepreneurship. Sometimes you just have to go for it, no matter what others day. Richard did and I’d say thing are working out pretty well for him.

4. Why Good Leaders Make You Feel Safe

In this powerful TED Talk, Simon Sinek suggests that great leaders are those whom others feel they can trust–good leaders make people feel safe. Learn how to create a secure environment for your co-workers and employees while understanding that, while this undertaking is no easy task, the rewards and trust you’ll earn is invaluable. (A transcript is available too, so you don’t need to watch the video if you’d rather read.)

5. The Top 5 Reasons Why ‘The Customer Is Always Right’ Is Wrong

Alex Kjerulf of the Huffington Post explains why this classic maxim is a major mistake. Companies need to be willing to go to bat for their employees, and suggesting that the customer is always right can be detrimental to worker moral. Instead, show employees the respect they deserve and they’ll return the favor with superior customers service and more company pride.

6. Why You Hate Work

This New York Times article by Tony Schwartz and Christine Porath explains the modern employee’s psychological needs and how they aren’t being fulfilled. The article details an interesting study in which workers rated their fulfillment at their workplace, based on several different components (time for creative thinking, opportunities to do what you enjoy, a sense of community, connection to your company’s mission, etc.).

This article isn’t doom and gloom though–it will help companies understand what they need to do in order to improve their workplace and create happier, more fulfilled employees (who also work better).

7. Think You’re Too Old to Be an Entrepreneur? Think Again. (Infographic)

Despite the trend in Silicon Valley, entrepreneurship ain’t just for the young. Some of the most successful entrepreneurs don’t even think about launching a startup until they are in their 30s, 40s, and even 50s, after gaining more work experience. This infographic from Entrepreneur shows successful individuals who took their own sweet time to find their calling. “Not all who wander are lost” indeed!

8. 10 Reasons You Have to Quite Your Job in 2014

James Altucher sees the writing on the wall–the middle class is vanishing and it’s time to take real control of your life. James writes, in this philosophical yet painfully acute LinkedIn piece, why your life needs to be more than a paycheck and how to use entrepreneurship to create a better future.

9. 6 Toxic Behaviors That Push People Away: How to Recognize Them in Yourself and Change Them

Kathy Caprino points out several toxic behaviors you may be harboring, sometimes without even realizing it! Adjusting these bad behavioral habits will make life exponentially better for you and for those around you. See if you’re guilty of any of these.

10. 50 Signs You Might Be an Entrepreneur

Entrepreneurs are a certain kind of individual and they display their aptitude with a number of traits. See if any on this list by John Rampton sound like you–if more than a few ring a bell, you’re likely to be an entrepreneur (and if you’re not yet, maybe it’s time for a career change)!

11. How to Become a Millionaire by Age 30

Dreams do come true–or they can, if you follow advice from Grant Cardone in this Entrepreneur article. Learn what you need to do to make the big bucks before you turn 30.

12. Why Google Doesn’t Care About College Degrees

In this article by Venture Beat, Gregory Ferenstein explains why Google cares less about college degrees and more about the quality and character of their hiring candidates.

13. How Things Change

This succinct story by Tech Crunch’s Greg Kumparak is a just a few short lines and tweets. Telling the tale of Brian Acton’s personal experience (creator of WhatsApp), it sweetly and simply shows how when one door closes, another down the hall opens. And it opens into a swimming pool of Jello, talking zebras, and saxophone-playing dinosaurs. Or something close to that anyway.

14. How Quitting My Corporate Job for My Startup Dream F*cked My Life Up

In this story, Ali Mese reveals the unexpected difficulties that come with abandoning the corporate world for the startup dream. You may have planned on financial burdens, but have you considered the social distancing? The anxious parents? The frustrated fianc? Mese reminds us that entrepreneurship isn’t all sunshine and puppies–but is it worth it all in the end? I won’t spoil it.

15. 7 Things Remarkable Happy People Do Often

Inc. magazine’s very own Jeff Haden explains in this article why happiness is a choice, and how we can take small actions every day to make ourselves happier. It may not seem like rocket science, but it’s all too common for people to overlook the tools and techniques they can use to take joy in the world around them. Get started on these exercises and begin a better outlook.

16. The Day I Stopped Saying ‘Hurry Up’

In this touching article (probably considered corny by some), Rachel Stafford shares the day she choose to erase the word “hurry up” from her vocabulary. Whether in the workplace or in family life, this touching Huffington Post piece reminds us that life is something to be enjoyed and savored, not rushed through.

Like this column? Sign up to subscribe to email alerts and you’ll never miss a post.

The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.



What is a Fraud Alert & How to Place One, year fraud

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Fraud Alert

One of the first things to do if identity theft is suspected, is to place a fraud alert on any credit files. Fraud alerts, which major credit bureaus attach to credit scores, work by requiring creditors to verify individuals’ identities verbally before making any changes to those individuals’ credit, like opening up new accounts or requesting new loans. Identity theft is greatly reduced by alerting creditors because thieves are then unable to open up new lines of credit fraudulently – verbal authorization is required to do so.

If creditors are unable to reach individuals by phone, then all credit changes are put off until they can be reached. Keep in mind, even if a fraud alert has been issued, creditors are not required to contact individuals. Also note that fraud alerts’ primary focus is to prevent identity theft with new credit accounts – they do not place alerts on existing credit accounts.

Different Types of Fraud Alerts

There are three different types of fraud alerts to choose from depending on the situation. These include 90 day fraud alerts, extended fraud alerts and active military fraud alerts.

1) 90 day fraud alerts, or initial fraud alerts, signal creditors that either identity theft is suspected or that an event has happened to increase the risk of identity left, like losing a wallet, a social security number or an identification card. This type of fraud alert will remain on credit files for 90 days, and it is free to use this type of fraud alert. If a fraud alert is placed with either TransUnion, Equifax or Experian, that credit agency will alert the other two of the fraud alert, and they will also issue fraud alerts within 48 hours.

2) Extended fraud alerts, or 7 year alerts, inform creditors that an individual is an identity theft victim, meaning that they have had their identity already stolen. In order to issue an extended fraud alert, information must be provided beforehand to local, state and federal law enforcement, including proof of identity theft and extensive self identification. Once an extended fraud alert has been issued, all creditors are required to obtain verbal authorization before modifying an individual’s credit. Individuals who place this type of alert on their credit files will receive two free credit scores from Equifax, TransUnion and Experian, and their names will also be removed from prescreened credit and insurance offers for five years.

3) Active military alerts notify all creditors that an individual is on active military duty, and they would like extra credit protection while away. Similar to other alerts, creditors must obtain verbal authorization before accepting any requests to modify credit. When an active military alert is issued with either TransUnion, Experian or Equifax, the other two agencies will also place fraud alerts. Individuals are also eligible to have their names removed from prescreened credit and insurance offers for two years. This type of alert lasts for one year, and is free to issue.

Setting up, and Activating, Fraud Alerts

In order to set up any of the above fraud alerts, at least one of the three credit bureaus must be contacted directly. Some types of fraud alerts, like the extended fraud alert, will require additional identification and proof of identity theft, while the others only require a phone call to initiate one. Fraud alerts can also be requested online by visiting Equifax or Experian’s websites. To ensure maximum protection, all three credit bureaus should be contacted separately, even though they will alert one another of the fraud alert. Individuals also have the option of placing and managing fraud alerts through identity theft protection companies like LifeLock.

Within 24 hours of issuing a fraud alert, it should be activated at the credit bureau where it was initially issued, and that credit bureau will send out a confirmation letter one to two weeks later. If a confirmation letter is not received, then individuals should contact the initial bureaus to either issue an alert again, or to confirm that it has been issued. Fraud alerts will remain on individuals’ credit files for 90 days, and after that, they will need to reactivate the alerts manually.

Fraud Alerts for Minors

Although credit bureaus do not maintain credit files on minors, Experian, Equifax or TransUnion may be contacted directly if child identity theft is suspected of having occurred. The credit bureaus will allow individuals to report any fraudulent use of their children’s information to law enforcement. In order to do this, each credit bureau must obtain the child’s full name, address, date of birth, birth certificate copy, social security card copy, government-issued proof of identity copy, and a current utility bill displaying their address.

Fraud Alert Removal

In order to remove a fraud alert prematurely from a credit file, it must be requested in writing. Each request must contain the individual’s full name, social security number, any current and previous addresses, date of birth and phone number, and it must be sent to each of the credit bureaus’ fraud departments.

Fraud Alert Drawbacks

It is important to keep in mind that fraud alerts do not offer complete identity theft protection, and they can be ignored by creditors. In addition to issuing a fraud alert, individuals should monitor their credit scores closely, and also consider issuing a credit freeze, which can provide greater protection than fraud alerts.

Issuing a fraud alert will also cause problems if individuals want instant financing at stores – they will have to fulfill the authorization steps before doing so. Individuals also have to be available to answer their phones in order to approve new credit accounts, financing or loans.

Identity Theft Protection Companies that Offer Fraud Alerts:

1) LifeLock, one of the leading identity theft protection companies, offers fraud alerts in their standard package for $9.00/month. They will automatically manage and renew any individual’s fraud alerts, so they do not have to do any of the manual work.

2) TrustedID, one of the newer theft protection services, will also monitor and resubmit individuals’ fraud alerts every 90 days. This service is included with their main product, IDFreeze, for $14.99/month.

3) IdentityTruth, a newly established service, also offers free fraud alerts and monitoring with their premium service for $9.99/month.



Room Air Conditioner #energy #efficiency,energy #efficient,energy #efficient #appliances,energy #efficient #homes, #energy #efficient

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Room Air Conditioner

When the weather heats up, a new ENERGY STAR certified room air conditioner can help you keep your cool AND save energy!

In fact, ENERGY STAR room air conditioners use 9 percent less energy and, on average, cost about $70 per year to run.

New ENERGY STAR room air conditioners come with better materials and clearer instructions to improve sealing and insulation around the unit, so costly and uncomfortable air leaks are minimized.

ENERGY STAR room air conditioners with connected functionality offer additional convenience, comfort and energy-savings, including the ability to:

  • turn off the unit remotely using your phone or computer;
  • schedule changes to temperature settings based on your needs;
  • receive feedback on the energy use of the product.

These products are also ‘smart-grid ready’, potentially allowing you to take advantage of special energy bill savings programs some local utilities are starting to offer. If all room air conditioners sold in the United States were ENERGY STAR certified, the cost savings would grow to more than $350 million each year, preventing more than 6 billion pounds of greenhouse gas emissions annually – equivalent to the emissions from over 570,000 vehicles.

Current Specification Effective Date: October 26, 2015

  • Room air conditioners originally qualified for the ENERGY STAR label in October, 1996. ENERGY STAR certified room air conditioners are 9% more efficient than non-certified models.

What else should I look for when buying a room air conditioner?

Remember that bigger is not always better! Buying an air conditioner that is too large does not provide better cooling. An oversized air conditioner is actually less effective — and wastes energy at the same time. Make sure your unit is properly sized.

Properly Sized Room Air Conditioners

Room air conditioner sizing is all about matching the room size to the air conditioner size. A unit that is too big will be less effective and offer reduced air conditioner efficiency. Air conditioners remove both heat and humidity from the air. If the unit is too large, it will cool the room, before it has a chance to remove the humidity. The result will be a room that’s not very comfortable to spend time in That cool moist air will make the room feel damp and clammy.

The most energy efficient air conditioner is sized to the square footage of the space to be cooled. Getting the right size means getting the comfort and the energy efficiency right.

What else should I look for when buying a room air conditioner?

1. Determine the room’s square footage

Determining the floor square footage of the area to be cooled takes simple math. Just use the following formulas.

If all room air conditioners sold in the United States were ENERGY STAR certified, the cost savings would grow to more than $350 million each year, preventing more than 6 billion pounds of greenhouse gas emissions annually – equivalent to the emissions from over 570,000 vehicles.

Start Saving With My ENERGY STAR

Looking for ways to save energy at home?
My ENERGY STAR makes it easy to browse energy saving tips, and to see how your actions can make a difference. Here are a few tips to get you started.

Choose an ENERGY STAR certified room air conditioner

Install and properly set a programmable thermostat

Clean the area around the outdoor components of your HVAC system

ENERGY STAR SAVINGS TIPS



The Graduate School – Texas A – M International University #texas #a

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The Graduate School

Graduate

A. R. Sanchez, Jr. School of Business

College of Arts and Sciences

  • Master of Arts in Communication (MA) (Thesis or Non-Thesis )
  • Master of Arts in Counseling Psychology (MACP) (Thesis or Non-Thesis )
  • Master of Arts in English (MA) (Thesis )
  • Master of Arts in History and Political Thought, History Concentration (MA) (Thesis or Non-Thesis )
  • Master of Arts in History and Political Thought, Political Science Concentration (MA) (Thesis or Non-Thesis )
  • Master of Arts in History and Political Thought, History and Political Science Concentrations (MA) (Non-Thesis )
  • Master of Arts in Language, Literature and Translation (MA) (Thesis )
  • Master of Arts in Sociology (MA) (Thesis or Non-Thesis )
  • Master of Public Administration (MPA) (Non-Thesis )
  • Master of Science in Biology (MS) (Thesis or Non-Thesis )
  • Master of Science in Criminal Justice (MS) (Thesis or Non-Thesis )
  • Master of Science in Mathematics (MS) (Thesis or Non-Thesis )
    • Applied Statistics Track (MS) (Non-Thesis )
    • Mathematics Education Track (MS) (Non-Thesis )
  • Master of Science in Psychology (MS) (Thesis or Non-Thesis )

College of Education

  • Master of Arts in Teaching (MA) (Non-Thesis )
  • Master of Science in Bilingual Education (MS) (Thesis or Non-Thesis )
  • Master of Science in Curriculum and Instruction (MS) (Thesis or Non-Thesis )
  • Master of Science in School Counseling (MS) (Non-Thesis )
  • Master of Science in Special Education (MS) (Thesis or Non-Thesis )
  • Educational Administration (MS) (Thesis or Non-Thesis )

College of Nursing and Health Sciences

Doctoral

A. R. Sanchez, Jr. School of Business

Certificates

College of Arts and Sciences

College of Education

Collaborative Programs

A. R. Sanchez, Jr. School of Business

  • Dual MBA in Collaboration with Universidad Regiomontana (Monterrey, Mexico)
  • Dual MBA in Collaboration with Universidad Autonoma de Nuevo Leon (Monterrey, Mexico)

College of Arts and Sciences

  • Collaborative Ph.D. in Hispanic Studies (in Collaboration with Texas A M University)

Alumni Spotlight

One of the most valuable lessons Grad School has left in me is that wisdom comes through social dialogue and not the imposition of one’s own beliefs over others. Knowledge is irrelevant (and it can never become wisdom) if you don’t learn to share it with those around you.

Daniela Nuñez Ochoa

Go Beyond
The Graduate School



16 Best Entrepreneurship and Business Leadership Articles of the Year #online #businesses


#business articles

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Learn how to transform your life for the better with 16 of the Web’s favorite entrepreneurship and leadership articles from this year. Guaranteed to encourage and inspire, these popular posts are absolute must-reads.

1. Mentally Strong People: The 13 Things They Avoid

Mental fortitude is essential for entrepreneurship, and in this wildly popular Forbes article, Cheryl Conner discusses what makes a mental strong individual and the 13 things they avoid at all costs (with tips from psychotherapist extraordinaire Amy Morin).

2. How to Turn Small Talk Into Smart Conversation

In this TED Ideas post, Chris Colin and Rob Baedeker break down how to transform an ordinary conversation into an extraordinary one. This pithy piece shares how to substitute one-line answers for stories, swap mundane response mirroring for absurd (but astute) observations, and how to get the most out of the often-mangled art of conversation.

3. Richard Branson to Young Entrepreneurs: ‘Just Do It’

In an Inc. piece by Oscar Raymundo, famous entrepreneur Richard Branson, founder of the Virgin empire (Virgin Airlines, Virgin Mobile, etc.) explains why risk is an inherent aspect of entrepreneurship. Sometimes you just have to go for it, no matter what others day. Richard did and I’d say thing are working out pretty well for him.

4. Why Good Leaders Make You Feel Safe

In this powerful TED Talk, Simon Sinek suggests that great leaders are those whom others feel they can trust–good leaders make people feel safe. Learn how to create a secure environment for your co-workers and employees while understanding that, while this undertaking is no easy task, the rewards and trust you’ll earn is invaluable. (A transcript is available too, so you don’t need to watch the video if you’d rather read.)

5. The Top 5 Reasons Why ‘The Customer Is Always Right’ Is Wrong

Alex Kjerulf of the Huffington Post explains why this classic maxim is a major mistake. Companies need to be willing to go to bat for their employees, and suggesting that the customer is always right can be detrimental to worker moral. Instead, show employees the respect they deserve and they’ll return the favor with superior customers service and more company pride.

6. Why You Hate Work

This New York Times article by Tony Schwartz and Christine Porath explains the modern employee’s psychological needs and how they aren’t being fulfilled. The article details an interesting study in which workers rated their fulfillment at their workplace, based on several different components (time for creative thinking, opportunities to do what you enjoy, a sense of community, connection to your company’s mission, etc.).

This article isn’t doom and gloom though–it will help companies understand what they need to do in order to improve their workplace and create happier, more fulfilled employees (who also work better).

7. Think You’re Too Old to Be an Entrepreneur? Think Again. (Infographic)

Despite the trend in Silicon Valley, entrepreneurship ain’t just for the young. Some of the most successful entrepreneurs don’t even think about launching a startup until they are in their 30s, 40s, and even 50s, after gaining more work experience. This infographic from Entrepreneur shows successful individuals who took their own sweet time to find their calling. “Not all who wander are lost” indeed!

8. 10 Reasons You Have to Quite Your Job in 2014

James Altucher sees the writing on the wall–the middle class is vanishing and it’s time to take real control of your life. James writes, in this philosophical yet painfully acute LinkedIn piece, why your life needs to be more than a paycheck and how to use entrepreneurship to create a better future.

9. 6 Toxic Behaviors That Push People Away: How to Recognize Them in Yourself and Change Them

Kathy Caprino points out several toxic behaviors you may be harboring, sometimes without even realizing it! Adjusting these bad behavioral habits will make life exponentially better for you and for those around you. See if you’re guilty of any of these.

10. 50 Signs You Might Be an Entrepreneur

Entrepreneurs are a certain kind of individual and they display their aptitude with a number of traits. See if any on this list by John Rampton sound like you–if more than a few ring a bell, you’re likely to be an entrepreneur (and if you’re not yet, maybe it’s time for a career change)!

11. How to Become a Millionaire by Age 30

Dreams do come true–or they can, if you follow advice from Grant Cardone in this Entrepreneur article. Learn what you need to do to make the big bucks before you turn 30.

12. Why Google Doesn’t Care About College Degrees

In this article by Venture Beat, Gregory Ferenstein explains why Google cares less about college degrees and more about the quality and character of their hiring candidates.

13. How Things Change

This succinct story by Tech Crunch’s Greg Kumparak is a just a few short lines and tweets. Telling the tale of Brian Acton’s personal experience (creator of WhatsApp), it sweetly and simply shows how when one door closes, another down the hall opens. And it opens into a swimming pool of Jello, talking zebras, and saxophone-playing dinosaurs. Or something close to that anyway.

14. How Quitting My Corporate Job for My Startup Dream F*cked My Life Up

In this story, Ali Mese reveals the unexpected difficulties that come with abandoning the corporate world for the startup dream. You may have planned on financial burdens, but have you considered the social distancing? The anxious parents? The frustrated fianc? Mese reminds us that entrepreneurship isn’t all sunshine and puppies–but is it worth it all in the end? I won’t spoil it.

15. 7 Things Remarkable Happy People Do Often

Inc. magazine’s very own Jeff Haden explains in this article why happiness is a choice, and how we can take small actions every day to make ourselves happier. It may not seem like rocket science, but it’s all too common for people to overlook the tools and techniques they can use to take joy in the world around them. Get started on these exercises and begin a better outlook.

16. The Day I Stopped Saying ‘Hurry Up’

In this touching article (probably considered corny by some), Rachel Stafford shares the day she choose to erase the word “hurry up” from her vocabulary. Whether in the workplace or in family life, this touching Huffington Post piece reminds us that life is something to be enjoyed and savored, not rushed through.

Like this column? Sign up to subscribe to email alerts and you’ll never miss a post.

The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.



Fredericktown Forum – Topix, year colleges in missouri.#Year #colleges #in #missouri


#

Fredericktown Forum

moon stock – 2017 3 PARANORMAL THINGS PROGRAM

Hurricane priorities 2

18 yrs old legal. 8

  • Who’s got your vote for Congress in Missouri’s 8th District? 30
  • Who’s got your vote for Congress in Missouri’s 3rd District? 1
  • Ferguson Police Are Being Relieved Of Their Duties: Report 6,468
  • Powerful Photos Blast The Media’s Portrayal Of Murdered Black Men 458
  • Missouri Proposition B: The Puppy Mill Bill 6,897
  • August 3 Missouri Primary Election: Did you vote? 10,208
  • Ferguson Police Chief Just Shocked Everyone With His Absurdly Tone-Deaf Remarks 599
  • Missouri’s Prop C: Voters Set to Challenge Health Reform 18,908
  • Who do you support for Auditor in Missouri in 2010? 269

Want to Trade 11

Corner of Kelly St. and Villar St. 14

Jesse Feathers and Timmy Lee 7

Melvin Pickert 7

Looking for friend 2

Looking for a Blob Top Soda bottle from Fredericktown Mo 9

Jeremiah Laplante 1

Stacie Edwards 2

Amber Wilkinson 1

Get out of jail free cards dwite Robbins office 2

does anyone know a vicki or a bonnie avery? 4

Silent no more 4

Tonya smith and Kim lewis 3

crickett (teresa) edmond/pierce 12

Eric Rowland beats women and children 7

People can change 7

Haunted places in fredrock?? 21

Justice Unfair 6

Brandy Warren ? 31

Melissa Hutchins 1

Evans punk steals trailer 9

stolen 3 wheeler 1

Timmy Lee still in business 4

This site TOPIX site is ridiculous. 5

Fredericktown West main st 1

Where is Acton Cambell? 6

Carrie Stevens Smith 8

Any fireworks happening in town 1

What is she up to now? 1

John burton from Cherokee pass. 5

place for rent 1

looking for someone 1

Amazon or Walmart Gift Card Scam 1

Adam, Erik Rowland 8

Any Hotties in this Town..FWB 1

City Light Water 2

Man Slips off Cliff and Dies 101

Who do you support for U.S. House in Missouri (District 8) in 2010? 969

Josh Shafer or his brother Tommy any dirt on them 1

Acton Cambell 1

Maleri Lowery? 14

Meth and pull dealers 2

Jerry mcdonald 3

city light and water 24

Aaron Braswell/Elizabeth Schmidt 18

Mark Lipsutz landlord 2

Cpl Long fabricating evidence 15

Shawna thacker 2

Keller family 3

Mikey Houart 22

208 drug dealer 14

Coley Mills or Gray-Mills or whatever. Anyone opinion? 19

When your ex claims the kids on his/her taxes 2

Why is their so many fat people? 16

Fredericktown history The lynching Abraham W. Smith 3

witchcraft and the ocult infesting fredericktown 18

Join us. We can build a America to be proud of 30

Who wants to be my special friend ? 4

need cheap place to rent asap 1

work from home 1

Transgendered male seeking good time 4

The Paranormal – Ghosts Haunted Locations 31