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3 Paths to Financial Freedom

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\You have decided this is the year you get out of debt.  You can see the finish line and can almost feel how amazing it will be to be debt free.   You are formulating a plan and budget and you’ve chosen to refinance your home so you don’t have to use high-interest credit cards to supplement your income.  Sometimes, this can be difficult to do.  With average credit card APR of 16.65% as of April 2018, paying down balances is challenging.  But you don’t want to be free of debt. You also want to have enough funds or income for comfort.  Here are some things you can begin today to help you achieve financial success.

Cut Expenses

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Cutting expenses and living a more frugal lifestyle can take some time to adjust to but will benefit you on the road to financial freedom.  Cooking at home instead of dining out is a great start.  The money you would have spent going out for dinner can be applied directly towards high-interest debt or put into a savings account to begin building wealth.  Once you start to develop the habit of saving money and cutting expenses, it can become addictive!  Look for other areas of spending that you may be able to adjust like cutting the cord with cable tv and switching to streaming devices instead.  Look for fun free activities that you can do in your neighborhood or city on the weekends.

Increase Income

The flip side of cutting your expenses is to work on increasing your income.  Looking for areas of opportunity for growth in your current position, or actively seeking out a higher paying new job.  Maybe taking a class or certification can help you to earn more in your career.  Picking up a part-time job is also an option.  Putting back all the income from your part-time job into a savings or investment account can help build your nest egg.  Or, if you have high-interest debt, a part-time job can do wonders for eliminating the deficit quickly.  Do odd jobs around the neighborhood or even host a yard sale. It is incredible how much stuff we accumulate that we no longer use but could sell.

Pay Off High-Interest Debt

You cannot have financial freedom if you are still in a cycle of debt.  Part of cutting expenses and paying off debt is thinking through your medium and large purchases.  Waiting to purchase big ticket items until you have the funds to cover it in cash is the best way to go.  If this is not an option, then pay in cash what you can, charge the rest and try and pay it off within 30 days to avoid accruing additional interest.

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If you owe on multiple cards or owe a higher balance, a secured loan could be the answer.  Regardless of where you live, you can find a title loan company to help you.   It could be Philadelphia or Los Angeles.  Just look up your location and “title loan in Google,” and you can get the help you need.  For example, “San Jose title loan”  in a quick search online could be the answer.

With secured loans, such as a title loan, you can use your vehicle title as collateral to obtain a loan with a lower interest rate.  You can use these funds to pay off the high-interest rate cards, make a lower monthly payment, and continue driving your vehicle during the life of the loan.

Any step you take towards gaining your financial freedom should be celebrated.  Work off small victories and don’t be too hard on yourself if you indulge occasionally.  Make small changes first, such as paying off a credit card or loan with a more modest balance, then tackling the next and so on.  You will find creative ways to pay off debt and find ways to earn extra income at the same time.  We wish you luck on your journey!

Erin Schollaert is a full-time teacher, mother, driver of children, cooker of dinner, washer of laundry, sayer of bad words, and hockey mom extraordinaire. She is not afraid to speak her mind, even if that means dropping a few old-fashioned hashtags, $#!&. In her free time — like that exists — she blogs in order to vent the frustration that comes with raising three kids. Her mantra, blogging, and swearing are better than a drinking problem.

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Everything You Need to Know About Telangiectasias and Reticular Veins

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Telangiectasias and Reticular veins are common vein disorders that are diagnosed when there is the presence of spider or reticular veins on a person’s legs.

Problems existing within the veins commonly point to a venous insufficiency, resulting in the highly visible external spider veins making their way across an afflicted person’s legs.

Resulting from the stretching of diminutively-sized veins very close to the skin, blood subsequently fills the abundance of new space to ultimately create clearly visible telangiectasias and reticular veins on the skin.

With their spidery, tree-branch-like appearance, these impacted veins can manifest as a cluster or as a grouping of haphazard single lines.

While most commonly found on the legs, these types of veins can also present themselves in the facial area through extended exposure to the sun and chronic rosacea.

 

Read on below for our highly informative, easy-to-read primer to learn everything you need to know about telangiectasias and reticular veins.

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Telangiectasia Explained

A telangiectasia is a confluence of dilated intradermal venules of less than 1 mm in caliber. More commonly referred to as spider veins, telangiectasia veins range in color from red and pink to purple-blue. Occurring in roughly 40% of the general population, telangiectasias are experienced by men, and more commonly by women.

Within the classification of vein disorder, telangiectasias are indicated as a Type I vein that is responsive to treatments such as dynamic foam sclerotherapy and laser therapy. Both therapies aim to treat the feeder veins underlying telangiectasias, subsequently leading to the introduction of topical lasers to comprehensively eradicate telangiectasias.

 

Reticular Veins Explained
Reticular veins, also known as blue veins or feeder veins, are smaller than varicose veins but may also have a ropy appearance. Primarily occurring in the back of the legs and around the knees, reticular veins measure anywhere from one millimeter to about three millimeters in diameter.

This type of vein condition is classified as a type III vein and is extremely painful. When present along with telangiectasias, treatment of reticular veins must be conducted first via injection with subsequent injections performed on the telangiectasias. Treating the reticular veins first is imperative in helping patients experience anyu early recurrence of these agonizing veins.

What causes Telangiectasias and Reticular veins

These veins are typically the result of acquired causes but can also be caused by congenital disorders. Examples of acquired causes include:

 

  • Acne rosacea
  • Long-term sun exposure
  • Extended cold exposure
  • Skin trauma from incisions or contusions
  • Radiation exposure
  • Chemotherapy
  • Carcinoid syndrome
  • Extended use of topical corticosteroids
  • Smoking

 

Examples of congenital disorders that cause telangiectasias and reticular veins are as follows:

 

  • Bloom’s syndrome
  • Port-wine stain
  • Hypotrichosis–lymphedema–telangiectasia syndrome
  • Ataxia-telangiectasia
  • Osler-Weber-Rendu syndrome
  • Maffucci’s syndrome
  • Klippel-Trenaunay syndrome

Symptoms of Telangiectasias and Reticular Veins

 

  • Discomfort and pain in the legs
  • Facial pain
  • Aching, throbbing, burning in the legs or face
  • A feeling of heaviness
  • Fatigue
  • Swelling
  • Intense itching

 

Treatment Options: Telangiectasias and Reticular Veins

Nationally recognized as a leader in vein disorder treatments, USA Vein Clinics states that the treatment of these specific vein issues no longer requires invasive surgery procedures.

Conversely, in today’s modern times, patients can be treated with dynamic foam sclerotherapy and ultrasound-guided foam sclerotherapy regimes – therapies that are incredibly effective, non-invasive, affordable, and convenient that are now being rapidly adopted by doctors and treatment centers around the world.

Dynamic foam sclerotherapy involves a complex system of injection techniques and is used as a long-term method for the treatment of telangiectasias and reticular veins.

Treatment is first used on reticular veins and then subsequent treatments are performed on the telangiectasias. Over time, the treatments break down the impacted veins, rendering them to a collapsed and faded state.
Conservative treatment options are also widely available and include:

  • Compression stockings
  • Regular exercise
  • Using plant-based bioflavonoid supplements that have anti-inflammatory properties…can have beneficial effects on vein disorders in terms of appearance and physical comfort
  • Note: Reticular veins, while exceedingly painful, are also considered cosmetic problems. Unwitting patients have attempted to visit dermatologists, beauty salons, and similar establishments to improve the color and surface of their veins.

The treatments administered by these establishments may (but not always) very temporarily improve the color and texture of the veins but the fact remains that the underlying disorder still exists and required high-tech injection treatment by a medical specialist

 

Telangiectasias and Reticular Veins Considerations

If you have already been diagnosed with telangiectasias and/or reticular veins, there are an immense number of health care professionals available to assist you in alleviating the appearance and pain of the veins on your body. Many of these centers are headed by doctors with decades of experience in administering injections to damaged veins. Further, there are an array of clinics that offer affordable pricing along with convenient payment plans.

On the other hand, if you are worried about potentially becoming affiliated with these unsightly, uncomfortable, and painful veins, there are many easy ways to make educated assessments about the likelihood of contracting them.

As mentioned above, certain congenital disorders can cause vein issues, along with a range of elements that can contribute to an acquired case of telangiectasias or reticular veins.

By practicing prevention and staying mindful of lifestyle decisions such as not smoking, limiting exposure to radiation, and partaking in regular exercise can all serve to assist you in living a life free of these frustratingly arduous veins.

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How to Put Your Financial Anxiety to Rest Jovarie

Does the word “money” or “finances” give you cold sweats? Are you always anxious and worried about money? Do you find yourself tossing and turning in your bed the whole night, with thousands of thoughts and worries running through your head? You might be suffering from financial anxiety.

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Financial anxiety, just like with any other types of anxiety, does not only have a negative effect on your health, but it can also affect your relationship with other people.

Before it starts to ruin your life, take control of your anxiety. Below are some tips that you can apply to kick your financial anxiety in its gut.

Have a Positive Perspective

Having a cheerful and positive perspective does not only apply to your financial status but it can also be applied in a general view. Instead of worrying on the things that you have no control of, focus your attention and energy on appreciating what you have. List down all the positive things in your life – stable job, a functioning car, nice co-workers, etc.

When your eyes are solely transfixed on what is good, all the bad things are tend to be covered. There’s no room for worries and anxieties when you’re too blessed to be stressed.

Reassess Your Budget

Are you having anxiety because your budget falls short? When you’re worried about bills and expenses, have a sit and regularly assess your monthly budget. It helps if you list down all your purchases and expenses so that you have something to go back to when your budget is out of hand.

Perhaps you purchased something that was not necessary? Planning a budget is a never-ending-process and it’s critical that you always review it so that you can find areas where you can cut back on some expenses or save more money.

Seek Help from Financial Advisor

You should not be ashamed of seeking help whenever needed, be it personal or professional aid. If financial matters are causing you to loss sleep, it’s time to book an appointment with a financial advisor.

If you’re still in doubt of asking help from a financial advisor, you may consider these points:

  • They can help you in developing a holistic approach of managing your finances. Aside from helping you in planning a budget, they can also help you in developing discipline to stick to this budget.
  • Because of their specialized education and vast training, they have vast knowledge when it comes to financial aspect. In addition, they have years of experience on their portfolio.
  • They can address your financial concerns and answer your financial queries so that you will have the peace of mind that you deserve.

Create an Emergency Fund

We live in a world full of uncertainty and unexpected things can happen. If one of the causes of your anxiety is the fear that you’re not ready when emergency hits you, fear no more.

Set up an emergency fund that can be used in times of unexpected bills such as medical bills, car repair, etc. Allocate a portion of your monthly savings to be deposited to your emergency fund. Don’t use it in other purpose other than emergency.

The most important thing to remember is to not go into this fund unless it’s an absolute emergency. You may consider keeping this money in the bank, rather than having cash easily accessible at home. You’ll find peace of mind knowing that when unexpected things hit you, you are well-prepared.

Stop Comparing Yourself with Others

In a world ruled by social media, it’s easier to give in to the temptation of self-pity and depression. When your newsfeed is constantly filled by posts of friends going on a vacation, buying a new car or smartphone, having splurge shopping, you tend to compare yourself with their life. Aside from feeling green with envy, you get depressed because you can’t afford those things that they are buying. This can lead to depression and anxiety.

Remember that everyone’s putting their best foot forward in social media. Some people put up a facade and post what’s only good about their life. They may have a new car, but you may not be aware that they are going bankrupt because of credit card debt.

Put a stop on self-pity and depression by appreciating what you have and stop comparing yourself with others.

Educate Yourself

Most of us are afraid of the unknown. No one wants to walk in a road where it’s pitch-dark and you don’t know what lies ahead. Turn your fear of financial matters the other way around by educating yourself. When you know your financial standing and what you can do to further improve your finances, you will feel peace in your heart.

Head to your local library or bookstore and check out books about financial matters. The internet also offers countless of articles and success stories that you can learn from. Knowledge is one of the best weapon to combat your fears. You don’t have to suffer from financial anxiety anymore. Take the first step to recovery and be on top of your financial status.

6 Ways to Optimize Images for Social Media

When it comes to social media, images play a key role in getting the engagement that you want. It’s no secret that people are drawn to them. Just look at Facebook and Instagram. These platforms have millions of users because of they allow you to see images from people you care about

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However, it’s not enough to just post pictures. You want your images to be really good so people and search engines take notice. Whether you’re trying to grow a following or you want to get more engagement from your followers, optimizing social media images is a key step to any social media strategy. In this article are x tweaks you can to make your images perform better on social media.

  1. Invest in a good camera

Photography gear can be quite expensive but if you have the money, invest in one. However, if  you don’t have the budget, you can get a cellphone with a really good camera. Plenty of smartphones these days boast that capability and you won’t run out of options to choose from. This is important for taking high-quality photos of your products. You want it to sell right? So get a better camera, practice your photography skills and showcase those goods!

  1. Get your image sizes right

Every social network has specific image dimension that they follow. If you don’t adhere to these, your images possibly get cut off which in turn affects your engagement rate. Make sure to follow the recommended dimensions for every platform that you use

The best sizes for sharing images on social media

  • Facebook: 1200 x 628
  • Instagram: 1080 x 1080
  • Twitter: 1024 x 576
  • LinkedIn: 552 x 368
  • Pinterest: 600 x 900
  • Google+: 431 x 431
  1. Use free photo editing websites

Most companies don’t have the time to learn photoshop. If you’re one of them, you can take advantage of tools like Canva, PicMonkey, or Piktochart to create beautiful, social media-ready images. These tools give you the ability to design images with ease since they have templates that you can easily change to match your branding. The best part is that most of these tools already have the dimensions set up for each image type on every platform you can think of such as Twitter header size, Facebook cover photo size, Pinterest board cover size, and more

Now that’s time saved!

  1. Name and tag your images appropriately

For your image to have the best chance of getting seen, make sure to name and tag it appropriately. Search engine crawlers may not be able to see an image but they can read the text associated with your image, helping them to analyze your post, rank you appropriately, and show your image to the right audiences.

So before uploading any photo, name it with the most accurate description. If you’re targeting a certain keyword, put it in there but make sure it fits the context of the image otherwise, you’re just keyword stuffing. Alt tags are also another opportunity to include those keywords since they’re supplementary information to the name of your image. Write no more than 125 characters for the alt text.

  1. Upload a file sized optimized for the web

Whenever you save an image Photoshop or any photo-editing tool, make sure to choose the Save for Web and Devices option. You want an image that’s not too big but you don’t want to compromise quality either otherwise, you end up with a pixelated mess! Keep a balance between quality and file size. If you’re using a tool that doesn’t let you control the size and quality of an image, consider using an image shrinker instead. These tools are designed to  size down an image without losing quality.

  1. Know your target audience

Last but not the least, get to know your target audience. There’s no point in following all these tips if you’re showing images that aren’t relevant to your followers. Worse, you could using be displaying your posts on a platform that they’re not even using. So before anything else, find out where your audiences are likely to hang out and start with that. If you have no idea where to start, look at your top competitors and see what they’re doing. Test it on yours and see which posts are driving the most engagement. You’ll be surprised what a little sleuthing can do!

These 6 tips will help anyone who is trying to improve their social media images. Got any more suggestions to share? Write them in the comments below!

 

BANK FRAUD – TYPES AND PREVENTION

CHANCHAL SHARMA

M.COM, NET (COMMERCE)

SAPNA YADAV

ASSISTANT PROFESSOR

MONIKA RANI

ASSISTANT PROFESSOR IN COMMERCE

INTRODUCTION : – Banks are considered as necessary equipment for the Indian economy. This particular sector has been tremendously growing in the recent years after the nationalisation of banks in 1969 and the loberalisation of economy in 1991. Due to the nature of their daily activities of dealing with money, even after having such a supervised and well regulated system it is very tempting for those who are either associated the system or outside to find faults in the system and to make personal gains by fraud.These frauds, unlike ordinary crimes, the amount misappropriated in these crimes runs into lakhs and crores of rupees. Bank fraud is a federal crime in many countries, defined as planning to obtain property or money from any federally insured financial institution . It is something considered a white collar crime.BANK FRAUDS PHISHING

To understand the concept of Bank Fraud, we need to understand the concept of fraud and the various types of frauds and the ways to detect the same and the prevention of the same.

WHAT IS FRAUD : – Generally, A dishonest act or behaviour through which one person gains or tries to gain advantage over another which results in the loss victim, directly or indirectly is called fraud.

Under the IPC, fraud has not been defined directly under any particular section, but it provides for punishments for various acts which leads to commission of fraud. However the section is dealing with cheating, forgery, counterfeiting,misappropriation and breach of trust cover the same adequatly.

as outcome of fraud exceeds the losses due any other crime put together. With the rising bank business, cheating in the bank additionally expanding and the fraudsters are turning out to be increasingly complex and shrewd.

The four most important elements for constituting fraud are : – the active involvement of the staff, failure to follow the instructions and guidelinesof the bank by the staff, collusion between businessman,executives and politicians to bend the rules and regulations and any external factors.

LEGAL REGIME TO CONTROL BANK FRAUDS : –

  • The Indian penal code,1860
  • Criminal procedure code,1973
  • The Negotiable Instruments Act,1881
  • The Reserve Bank of India Act,1934
  • SARFAESI Act,2002
  • The Banking Regulation Act,1949

IMPACT OF FRAUD IN INDIA : – Many recent fraud incidents reported are related to fix deposites,loan disbursments, and credit and debit card frauds and ATM based frauds.All these frauds show that not only they undermine the profits, reliability of services and operating efficiencies but also have an impact on the society and the oragnisation itself.

This rise in the NPA is a serious threat to the Indian Banking industry as the sturdiness of a countrys banking and financial sectors deetermines the qualities of the product and services. it is also a direct indication of the living standards and well being of people.

Frauds has also hampered the growth of this establishment/industry. it is a huge killer for the business sector and underlying factor to all human endeavours. it is also increase the corruption level of the country.

CLASSIFICATION OF FRAUD AND PERVENTION:

To maintain uniformity in fraud reporting, frauds have been classified on the basis of types and provisions of the Indian Penal Code, and the and the reporting guildelines for the same has been prescribed by RBI The Reserve Bank of India classifies Bank frauds in the following catgories: –

  1. Misappropriation and criminal breach of trust.
  2. Negligence and cash shortages.
  3. cheating and forgery.
  4. Any other types of fraud not coming under the specific heads as above.
  5. Irregularities in foreign exchange transations.

MECHANICS OF BANK FRAUDS

DEPOSIT ACCOUNT FRAUDS:

The following types of frauds are generally commited;

  1. value inflation of cheques deposited
  2. changing the nature of the cheques(crossed to bearer)
  3. operating a dormant account fraudulently

Prevention Measures:

  1. carefully and systematic examination procedures of cheques and other trasactions.
  2. seperation of book keeping and cash handling operations.

PURCHADED BILL FRAUDS:

These are generally expensive and can take the following forms: –

  1. Discount on stolen or fake Railways Recipts and motor recipts along with other necessary bills.
  2. fake/forged bills for valueless goods are discounted.

Prevention Measures:

  1. Strict examination before discounting the bills.
  2. Establishing a better connection between the purchaser and the seller in the caes of dispatch of proceeds.
  3. Examining the recipts properly and strictly by conferming from the connected authorities.

HYPOTHICATION FRAUDS:

Cash advances,against pledged goods as securities are fertile field for frauds.

  1. Inflation of stock statements.
  2. Some of the stocked goods in the large quantity may have been less value.
  3. hypothicating some goods in the favour of different banks.

Prevention Measure:

  1. Only marketable goods to be acceptd as security
  2. Strict examination of the banks representatives and borrowers credential
  3. proper evaluation of stocks
  4. Verification of statements of stocks.

LOAN FRAUDS:

The following types of fraud are generally commited: –

  1. Two diferent person taking loans on the same item or product
  2. Borrowing is denied when the particular person is alleged of non payment
  3. Loan taken from one purpose but used for a different purpose i.e loan taken for agriculture but used for personal purposes.

Prevention Measures:

  1. Proper verification of documents and the purpose for taking the loan
  2. Incase of a substantial amount of loan taken, it should be checked by the competent authority

COMPUTER RELATED FRAUDS:

To provide efficient and fast service, most of the branches of the bank except the ones in the rural and remote areas have been computerized.

Not many frauds related to computers have yet been reported so far as computerization in the Indian banks is of recent origin. There is a need to anaysisthe nature of such crimes so that appropriate preventive measures may be devised.

CHEQUE FRAUDS:

This constitutes the biggest volume of bank frauds. This crime is done in the following forms:

  1. Cheques are stolen, filled and signed spuriosly and encashed.
  2. The signed cheques are stloen and are encashed with alterations, if needed
  3. Cheques issued by organistions for employees are duplicated.

Prevention Measures:

  1. The instruments must contain a proper date
  2. Checking cheque kitting
  3. The amount should be checked that it should be written in both numerical and words.

DISHONOUR OF CHEQUES:

Dishonour of cheque or cheque bounces are very serious problems and it is becoming even bigger. To cope with this issue which was affecting the smooth business tracsactions, the Government of India has introduced the Negotiable Instruments Act,1881 which provides for provisions to deal with cases of cheque bounce under section 138 to 142.

The Superme court of India in a landmark judgement has also provided with new guidelines to deal with cheque bounce cases.

CONCLUSION:

These frauds are a creation of the experienced criminals, frantic customers or someone associated with the banking system or a bunco bankster or their collusion. Most of time with a strict vigilance and examination of various documents, their work can easily be detected.

These frauds are now becoming more and more frequent and can be considered as one of the main reasons for damaging the economy of the country and with such high profile frauds happening all over the country, it has become necessary to put a check to these activites and if possible to create a more stringent legislation to deal with these issues.

“Sticking to the rules and eternal vigilance is the basic prevention measure.”