It’s unfortunate but true: identity theft is on the rise. With many of us turning our attention to the digital world during the recent pandemic, more identity thieves than ever have been hijacking people’s identities through online theft. According to the Federal Trade Commission (FTC), identity theft reports jumped to about 1.4 million in 2020, more than twice the number from the prior year.
In other words, if you’re a victim of identity fraud, you’re in good company—though it may not make you feel better about your situation. After all, what should you do about fraudulent charges on your account, and how can you reclaim your identity? Here’s everything you should know about what to do if someone steals your identity.
If You Have Identity Theft Insurance, File a Claim
Major companies like LifeLock offer identity theft protection plans that offer assistance if your identity is stolen. You may have this type of policy bundled into your insurance or through your employer. If you do have this type of insurance policy, contact them as soon as possible for expert help.
Notify Your Bank or Creditor
If you see fraudulent charges on any financial account, your first step should be to contact your bank or creditor.
If the charge is on a credit card, you’re in luck: most cards protect cardholders against identity theft through zero-liability policies. Even if your card doesn’t offer this protection, you’re still covered under the Fair Credit Billing Act. Through this federal law, your liability limit for fraudulent charges is $50.
If the charge is on a debit card, things can get trickier. You’ll have only two business days to report unauthorized charges for a liability limit of $50. Between two and 60 days, your liability is $500, and beyond 60 days there are no limits on your liability.
File a Report With the Police
The police may not be able to help you find the person who stole your identity, especially for identity theft that has taken place online. However, filing a police report is always a smart move.
An official report documents the identity theft, allowing you to point to the report if and when you need to prove that the theft occurred. Be sure to give this information to your bank or creditor once you have it.
Put a Fraud Alert on Your Credit Report
The last thing you want to do is allow your credit to suffer due to fraudulent charges.
To protect yourself, contact any of the three major credit reporting agencies. You’ll find specific contact details for reporting fraud on their website, and it’s free to request a fraud alert. When you report identity theft to any credit bureau, they are required to share the request with the others.
This allows you to protect your credit from further damage across the board. Fraud alerts make it difficult for someone with your personal information to open accounts in your name. Any lender or business issuing credit in your name will have to contact you first, meaning that you’ll know right away if someone is trying to use your stolen identity details.
A fraud alert will remain on your report for a year, but you can always contact one of the credit bureaus to renew it if you prefer. You can also request an extended fraud alert that lasts seven years.
Freeze Your Credit
In some cases, it may be a good idea to also place a freeze on your credit report. A credit freeze is different from a fraud alert: it means that credit bureaus will not share your report with anyone who asks for it.
The process for this is more complex than the fraud alert process, though it’s still free. You’ll need to contact each of the three credit bureaus to request a freeze.
File a Report With the FTC
The FTC can’t pursue criminal charges on your behalf, but it’s still a good idea to file a report all the same. Law enforcement agencies may use the FTC’s information to track down identity thieves, and the more information they can use to do so, the better. The reporting process is simple, and you’ll come away with a recovery plan you can use to help you move forward.
Secure Your Accounts
Even once your identity is stolen, it’s still important to secure your accounts after the fact. Change your passwords to strong, complex options, and consider using a password manager to generate random passwords that are impossible to guess.
You may also want to consider signing up for credit monitoring. Credit monitoring plans will keep an eye on your bank and retirement accounts, and they will reimburse you any stolen money.
Contact a Lawyer
In some identity theft situations, you may want to consider filing a lawsuit.
This can be a smart move if you believe that a business or financial institution that had access to your personal information didn’t do a good job of protecting it. It can also be a good idea if you’re struggling to persuade your creditor or reporting agency to fulfill their legal obligations to you.
In cases like these, you’ll have to reach out to experts in identity theft, such as the team at Financialjusticenow.com. These professionals can help you navigate your options to get the financial compensation you deserve.
Know What to Do if Someone Steals Your Identity
Though it can feel hard to protect yourself after the fact, it’s crucial to know what to do if someone steals your identity. In some cases, acting fast can help protect you from unlimited liability for fraudulent charges. It can also help you get back on your feet as you work to secure your accounts and personal information.
Looking for more essential guides like this one? Be sure to check out our other posts for more crucial life tips!
Restaurant operations 101: How to categorize your QR code menu?
One of the critical factors to a successful QR code menu implementation is categorizing your selections. Customers can easily find the food or beverage they want to eat, which means quicker ordering processes for restaurants.
While menu categorization may be straightforward for the most part, it can be tricky, mainly when categorizing bestsellers, new items, discounted meals, limited-time vouchers, and more. That’s what a menu QR code generator addresses in its range of solutions, including real-time updates, customization, and more.
Consequently, depending on the dish, some meals can be served as the main course or a side. Customers also make modifications to their meals, like excluding onions, no chili, or well-cooked eggs making it all the more tricky.
Fret not! Here’s a quick guide on QR code menu categorization.
What categories should restaurants put on the QR code menu?
Of course, the categorization in your QR code menu depends on the selections you have in your restaurant. Generally, the common categories most restaurants can include in their QR code menu are:
- An appetizer, also known as a starter, is a dish served before the main meal. Some appetizers are served cold, but most are served hot.
- The Main Course is the highlight dish of the meal. It can contain several courses of food, including sandwiches, pasta, and rice, among others.
- A dessert serves as the final dish of the meal. It usually consists of sweet food selections like cakes, confections, and beverages.
For most casual dining, and even in some fine dining restaurants, these three categories are enough to serve a filling meal to customers. Most QR code menus consist of these categories, along with other in-house specialties of restaurants.
Depending on the restaurant and market it serves, the menu categories can include:
- Hors d’oeuvre
- First main course
- Palate cleanser
- Second main course
- Cheese course
Note that these menu selections may only apply to European-style restaurants. While restaurants can adapt menu categories for food selections in other cultures, they can also set the best menu categories that match their needs. Moreover, they can also serve fusion cuisines.
Where can you categorize best sellers?
If you have popular menu selections in your restaurants, increase their visibility by placing them at the top of your QR code menu. This way, people can easily scroll to each category to find trending and popular products in your restaurant.
Similarly, restaurants can indicate the best seller in each category through a star or highlighted text in the menu. Even if customers scroll through the best seller section, they can always see the best sellers for your restaurant.
How to dish out discounts and limited-time vouchers
If you’re giving away discount codes or limited-time vouchers for customers, a QR code menu generator can apply changes in the system automatically. Once the time is set, customers can save on their orders for either dining in, takeaway, or both.
Restaurants can dish out discounts and limited-time vouchers in one of two common ways:
- Show the code as a popup upon scanning the QR code, which customers can apply when ordering
- Automatically apply price changes to ensure all customers can take advantage of the discount
Whatever method the restaurant chooses, tweaking, real-time tracking, and seeing the sales and performance growth can be done through a QR code generator.
Which menu QR code generator to use
There is plenty of menu QR code software online, but they’re not all similar.
Some may require you to commit to a full-time plan to take advantage of their packages and features. Some may advertise a free platform but offer limited features or require an expensive monthly plan.
The great thing is that some QR code generators offer their specialized tool for restaurant menus, with a 14-day free trial period and no credit card information required.
Antigua and Barbuda Citizenship Benefits
Are you thinking about getting a second citizenship? It could be due to a number of factors, from the unstable political situation in your country to a desire to try something new. Fortunately, there are programs around the world that can help you get all your documents and become a legal resident in any country.
The specialist of the company Immigrant Invest Svetlana Gorchakova notes that small island states offer some of the most favorable conditions. They are interested in attracting investors. Therefore, they create pleasant conditions for them. For example, you can now apply for citizenship in Antigua. Almost anyone can do this. It is only necessary to be of legal age and pay a certain amount of money. This will allow you to claim to get all the necessary documents.
The main advantages of Antigua citizenship
You can get Antigua and Barbuda citizenship in a few months. The procedure has been well established for a long time. The fact that it can be done online is an additional pro. You do not have to fly to the country and spend time on this. If highlighting the other advantages, it is impossible to pass by:
- Political stability, a guarantee of security for all countries. Many people choose this country for migration, because it has a low crime rate. If there is political tension, instability in your country, you will appreciate the features of a quiet life, where you can pursue your career and family.
- Quality infrastructure. The country has comfortable conditions not only for recreation, but also for permanent residence. There is a good level of education, so even your children can learn from the best professionals.
- Opportunity to develop your business. Investing can be done in various spheres from tourism to modern technology. The country offers benefits and favorable taxation. It allows starting a project without facing high taxes.
- Favorable conditions for the purchase of housing. Real estate is relatively inexpensive. You can rent it and get a steady income from it in the future. The travel industry in the country is very well developed. Thanks to this, you can get a passive income almost all year round.
- The possibility of visa-free travel around the world. This is one of the main trump cards of this country. The number of Antigua and Barbuda visa-free countries is increasing regularly. The list already consists of almost 150 countries. With the passport of this country, it is easy to travel to the European Union, Asia, Africa, and many other corners of the globe.
- Minimum requirements for residency. If you want to get full citizenship and to appreciate all the benefits of Antiguan passport, you only need to live in the country for 5 days within 5 years. It is almost impossible to find such favorable conditions.
- Opportunity to enjoy the beautiful nature and quality conditions for recreation. There is a wonderful climate in the country. Everything here is designed for relaxation and harmony. However, by taking part in the Antigua citizenship by investment program, you can also make sure that you can live here permanently and work.
- Possibility to bring family members with you. It is possible to include relatives in one application.
All this makes the choice of this country almost the best solution for anyone who is looking for new opportunities for relocation.
One of the advantages of Antigua citizenship is also the ability to complete all procedures online. This will allow investor to save a lot of time. Everything can be done without having to travel to the country. his is why many people choose this country as a future place of residence. Your children will inherit a passport and will also be free to travel around the world, count on the support of the state and receive other preferences.
Here’s Everything You Need to Know About Bulk Hot Melt
In addition to being available in glue stick form, the hot melt can also be bought in bulk in solid, gummy, liquid cube, pillow, and pellet forms. For many sectors we use daily, like cabinetry and furniture, food packaging, countertops, large appliances, shoes, beds, and more, these types of bulk hot melt are dispensed using specialized bulk equipment.
Making the best option possible when selecting the bulk hot melt and dispensing equipment can be challenging if you lack the necessary information and resources. We hope this article will be a useful starting point for you as you begin considering your alternatives for bulk hot melt. Click here for adhesives to meet your project needs.
Advantages of Bulk Hot Melt
Its greatest benefit is the financial savings that bulk hot melt offers over conventional hot melt glue sticks. Because bulk hot melt often goes through less manufacturing and packing, you can get the same product for less money per pound than if you bought it in individual stick form. Additionally, bulk hot melt purchases typically come with wholesale prices, so you can be confident you’re receiving the greatest deal.
Bulk hot melt also boasts versatility, which is a great characteristic. Because it may be used in many devices, bulk hot melt is often regarded as a more versatile adhesive than traditional hot melt glue sticks, which come in precise sizes that only function with particular glue guns.
Because it can be applied with various machines, at varying speeds, and for a wide range of applications, bulk hot melt is a favorite in the packaging business. It can be used on a variety of substrates. Additionally, it can tolerate harsh environments.
For your adhesive to be applied correctly, foam packaging needs to meet certain requirements, such as a slow set time and excellent tack.
Bulk hot melt is vital to the labeling industry because it can easily expand and contract and is specially prepared to stick to delicate substrates.
Bulk hot melt is ideal for applications requiring high levels of thermal resistance in the woodworking industry. There are numerous formulations for woodworking for pre-coating, profile wrapping, edge banding, soft shaping, v-grooving, top laminating, and general assembly. When it comes to creating strong, flexible bonding, woodworkers frequently employ strong ones. Strong adhesive can withstand a wide range of temperatures and offers impact resistance, and it can be applied as a spray or in bead form.
Assembling a Product
The adaptability of hot melt enables various formulas to connect a variety of materials, including metals, wood, plastics, glass, and more. You can select from various products to ensure you’re using the appropriate bulk hot melt for your particular product assembly application.
Finishing a Print
Because of its exceptional ability to lay flat and open, bulk hot melt is utilized in bookbinding, catalogs, magazines, and other print-finishing applications.
Despite occasionally going unnoticed, hot melt is important to the florist industry. Even very specific uses, like adorning parade floats, call for it, such as making floral arrangements.
How to Use a Walker Effectively for Older Adults
A walker is easily the most preferred walking aid for persons with mobility issues. With a walker, they can move around unassisted, but some may find it helpful to practice and read up on how to be able to use it effectively. Learning how to use a walker effectively can significantly reduce the chances of falls or body discomfort.
Price isn’t the only factor to consider when getting a walker. One also has to be sure they are getting the right one. This article describes the four different types of walkers, what situations they are best suited to, and factors to consider when shopping for one.
We’ll be reviewing how to walk with a walker the right way and why you should get the most suitable walker.
Why you may need a walker
Typically, one may need a walker if they experience discomfort when moving around, get tired quickly or find it challenging to maintain balance while standing.
People with heart health issues, a pre-existing injury, just recovering from surgery, or not getting enough support from a cane may also find a walker very useful. According to a survey, approximately four percent of Canadians require a walking aid.
Using a walker effectively
There are many sides to how to use a walker correctly. These are some of the most important considerations to make when using a walker:
How to adjust a walker to the correct height
Using a walker without making the proper adjustments may have gradual adverse consequences on the user. For instance, it may cause some strain on the shoulders of older adults or persons with mobility issues.
As such, before use, a walker should be adjusted to match the height of its user so they can use it ergonomically and effectively. This adjustment can be done by either a healthcare professional or the user or their loved ones.
The shoulders must be relaxed when using the walker, with the hands firmly gripping it. The elbows should be at an angle of about 15 degrees, and while the user’s arms are just on their sides, the top of the walker should be adjusted to align with the wrist.
How to walk correctly with a walker
As has been highlighted earlier, it is not enough to get a walker. Knowing how to walk with a walker is equally important. To begin, it should be placed within arm’s length, with the handles of the walker used as support for balance.
Mildly push the walker and take a forward step with the more hesitant leg to the midpoint of the walker. The user can make the first step with any of their legs if they are equally strong.
Push the walker straight down while still holding the handles and move the other leg forward so that it is now in line with the first leg. Be careful not to push the walker forward, as this could lead to a fall.
As much as one would like to see where they place their leg, it’s also essential to look up when moving. You can try this routine several times till you can use it correctly without it too much thought.
If the walker has wheels, push it ahead to move. Otherwise, if it has no wheels, lift it gently and place it in front (but not too far) to proceed. Now, you know how to use a walker correctly.
How to sit, stand and turn safely when using a walker
A walker should not be used as support when sitting or standing. Doing so could lead to a slip or fall.
When sitting down, move back until the legs come in contact with the chair. Next, extend the hands behind till you feel the chair armrest. Then, gradually descend into the chair. You may use the armrest for support if need be.
When standing up, position the walker such that the open side faces the body. Grip the armrest and push upward with the arms. Then grab the walker handles as you stand up. It is risky to drag or bend the walker to support standing up, so avoid it at all costs.
When turning, take small steps and move the walker gradually in a circle while walking.
How to move up and down a curb
When moving up, place the walker on the curb and ensure that all four tips or wheels are on the ground. Step up the curb with the stronger leg first and bear your body’s weight on the walker as the weaker leg is lifted to the curb.
When moving down, step down the curb with the weaker leg first. Bear your body weight on the walker and bring the stronger leg down, even to the weaker leg.
Precautions to take when using a walker
Using a walker helps to redistribute the user’s body weight throughout the walker frame. This reduces the pressure on the user’s hips and knees and protects their joints. The following precautions should be taken when using a walker.
- The walker must be in excellent condition. Grooved rubber tips should cover the bottom of each leg of the walker for a better grip on the floor.
- Always maintain an upright position, always.
- Keep the walker within a reasonable distance.
- Older adults should not be allowed to climb staircases using a walker unsupervised.
- They should not be used on slippery surfaces.
- Ensure that all four tips or wheels of the walker are firmly on the floor before bearing weight on it.
- Put on shoes with non-skid soles, and avoid shoes with heels.
- Loose rugs and unsecured cables on the ground can lead to tripping over. Ensure that they are firmly secured.
- Avoid stepping too close to the front of the walker, as this could lead to a loss of balance.
Older adults with walkers can take leisure walks with their pups, visit nearby friends and engage in tens of other fun activities unsupervised. These walkers are comfortable to use and generally not too pricey.
For best results, one must learn how to use a walker correctly. Then, they can enjoy its many benefits. Walking is essential for enhancing blood flow and muscle strength. Getting a walker and using it correctly can help one achieve their daily walking goals.
How to buy an Apartment on the Secondary Market in Spain
One of the most popular ways to improve your living conditions is the purchase of real estate in the secondary market.
The tendency to search for it is the secondary housing remains, despite the popularization of share construction, which helps to optimize costs when buying.
Reliable partners when buying and selling real estate – estate agents Torrevieja.
Secondary Housing: The Advantages and Disadvantages
When considering the secondary market apartments catches your eye several obvious advantages: this is ready-made housing, which you can “see and touch” (as opposed to the equity apartments), in addition, housing can have a suitable repair and may have the furniture, which makes the property suitable for habitation “right now”.
The buyer can move in immediately after signing the contract – there is no need to wait for a long time for the completion of construction, which can be delayed due to the problems of the developer.
Of course, there is a downside – there are many nuances, associated with financial and legal security of this kind of purchase. In real estate transactions involve a lot of money, so it is extremely important to be aware of all the aspects and rules of such transactions. For fear of becoming a victim of fraud, many people prefer to trust a professional realtor, who can calculate and foresee all the risks, but the intermediary, in fact, does not guarantee anything, it is only important to conduct the transaction and get the reward.
How to Choose the Right Property?
Before looking for a suitable apartment, the buyer should clearly define all his needs, because only a clear vision of the final result will help to insure a person from the acquisition of housing, which does not fully meet the requirements.
In addition to other parameters of the property, separate consideration should be given to such issues as:
The absence or presence of a balcony / loggia (and many are looking for options with the placement of the loggia on the south side);
Availability of comfortable parking and a playground for children;
The noise level (is it acceptable to have a freeway under the windows, etc.);
Remoteness of bus stops and subway, social and household infrastructure (schools, clinics, supermarkets).
It is best to set your priorities and requirements for your new home well in advance in order not to be disappointed later.
However, it is worth bearing in mind that every “plus” is balanced by the “minus” in the form of increased costs, so it is worth determining exactly how much you need a particular “plus”.
If there are a number of basic desires, such as clean air or a view from the window, it is best to continue the search until you find an option that perfectly satisfies the buyer. Do not stop too quickly on the proposals from the category of “more or less”, because the secondary market in any region, not to mention the capital, daily replenished with new interesting options.
Even if by some miraculous circumstances it happens so that the first apartment you see completely satisfies your needs, do not stop looking for it.
It is better to postpone this option, having agreed with the owner, but after that to view a few more apartments. In this case, when buying will be sure that the first chosen option was really the best in comparison with other similar ones, but it may well be the opposite.
During the inspection, apart from the apartment itself, it is better to check the work of the elevator, garbage disposal and the general condition of the entrances, examine the infrastructure and the stores nearest to the house. You can check the legal aspects of the purchase of an apartment on your own or ask for help from a specialist.
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