March 2023

internet fraud

Fraud has always been a problem, but now that the Internet is more popular, fraud seems to have found a new home. People use to have to worry about phone calls from scammers, and perhaps the unethical contractor, but today’s big worries come from the things that can show up online in a person’s email inbox. Those phone scammers are still around, but most of these types have turned to the Internet to find victims. Apparently, there are a lot of people out there that are easily taken by Internet fraud, and you don’t want to be one of them.

One of the biggest types of Internet fraud going is the lottery scam. This is when someone is notified by email that they have won some lottery they have never heard of and never entered. In order to get their winnings, they must pay a fee. Once they have sent out the money they never hear from the lottery again. This is because there was no lottery. The only person who won anything was the scammer. These generally say they are the UK lottery, but that is never the case. If you never entered anything, you can’t win. Remember that when you get these emails.

Another case of Internet fraud is the emails that come saying that someone has died and they need help getting money out of an account. Of course, you, a stranger on the other side of the world, are the only person that can help. There are also some that will urge someone to help them. They may need help getting a plane ticket or something similar. They might also say they need someone to process payments. You should never get involved in any of these things. They are all internet fraud, and can land you in quite a bit of trouble in the end. You won’t get any money, but you will get a lot of heartache.

There are other types of Internet fraud out there, and new things will probably pop up as long as the Internet is around. People will think of new ways to play with the emotions of others in order to get money they did not earn and they do not deserve. They know there are a lot of soft hearted people in the world, and they think of new ways to take advantage of them all of the time. Just remember that if something comes to you via email, it is not something you should mess with in any way. Delete it and move on. If you feel the need to help someone, donate your time or money to a local charity that you know you can trust. That way you know you aren’t being taken, and your money is going where it will be used for good.

How To Get Cheap Automobile Insurance Online In Arkansas

Arkansas has a computer system in place that keeps track of the insurance coverage of every registered vehicle in the state. If your insurance coverage ceases for any reason and you do not replace that policy with another one immediately, the state is notified and your car’s registration is in danger of being revoked.

In other words, don’t drive a vehicle on any public road in Arkansas without first purchasing insurance coverage.

This means it is important for many people to get cheap automobile insurance online in Arkansas. But don’t just jump online blindly, thinking you’re going to find the best rate. Before you get online there are a few things you need to consider and a few decisions you need to make that can greatly affect how much you pay for your automobile insurance each month.

If you are thinking of buying a new car, check with your agent first. Some new cars can cost considerably more to insure than others; make sure you can afford the monthly insurance bill before you purchase something that could turn out to be over your financial head.

Your driving record can impact your car insurance rates more than probably anything else. It’s up to you how you drive, but keep in mind that even one speeding ticket or one moving violation can increase your automobile insurance for up to three years.

And a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) conviction can send your rates through the roof for a minimum of 3 years and quite possibly longer – not to mention the court costs and fines!

If you are under 25 you are considered a bad driving risk and your insurance rates will be higher. You can knock down your rates by at least 5% and sometimes more simply by staying in school and getting at least a “B” grade point average – this will result in your receiving a Good Student Discount.

Older drivers, those 55 and older, have a way to save an average of 10% on their premium each month. Many companies offer a driver’s refresher course. If your company offers such a course, and you pass it, you can start saving on your premium month after month.

Don’t insure a car with no Kelly Blue Book value for collision or comprehensive because your insurance company won’t pay on any claim even if you do pay for the coverage as they only pay on a claim up to the Kelly Blue Book value of a vehicle.

Now we come to your deductible. This is where most people fiddle around with their savings. Increasing your deductible is a trade-off and you need to seriously look at your finances and decide how much you can afford to pay out of your own wallet any time you have a claim. The more you can pay – the higher your deductible – and the less your insurance company has to pay, the lower your monthly premium will be.

O.K., now you’re armed with the information you need to get cheap automobile insurance online in Arkansas so get online and start comparing polices and prices among the different insurance companies.

It would be nice if you only had to making your comparison on just one website, but the truth of the matter is, none of the websites out there compares every single insurance company’s rates in Arkansas, so if you are really serious about finding the very best rate possible, you’ll need to take the extra time and make comparisons on at least 3 different websites.

Once you’ve done that then you can pick the best policy and the best rate and know for certain that you are getting the cheapest automobile insurance available in the whole state of Arkansas.

Affordable art can be easier to come by than you think

Of course, there are many other kinds of affordable art as well. If you are in love with a particular piece of classical art work, but are unsatisfied with the quality of the art prints that you have looked at, you can often find fully painted reproduction. Some of these reproductions are done so well that they are difficult to tell apart from the original. They are painted with real pains, so that the brush strokes closely imitate the intention of the original artist. That way, you can have a classic work of art in your own house. It is almost like being a millionaire art collector!

When I am looking for affordable art, the first place I stop is the local art fair. It is such an adventure, and I never know what I am going to find there. I love exploring local culture, and the art fair gives me a chance to do just that. Many of these people are just beginning their careers as artists, so there is no better way to find a piece of affordable art. In addition, the level of innovation is high. Besides the usual paint on canvas, you can find crafts, mixed-media pieces, collages, and all manner of other original works of art. It really is an art lover’s dream. Best of all, almost every major city has an art fair. If you want affordable art, there is no better place to begin to look for it. Trust me on this one. You will be glad that you did. You may just come home with a piece of art that you absolutely adore!

Internet Marketing Service—Just How Important it is to your Online Business Career

Online credit card application and approval.

Google AdSense.

Online payments through credit card transactions.

These are just some of the innovations integrated on the famous Information Superhighway—the Internet. It paved the way to the creation of one of the most lucrative business—the Internet marketing.

Internet marketing is just similar to traditional marketing wherein your primary goal is to promote and sell whatever products or services you have to offer for sale effectively. The only difference is that Internet marketing is using the Internet to achieve your business goal. Unlike in traditional marketing wherein you need to establish your business in a “physical market”, Internet marketing revolves on the concept of online selling, that is, the acquisition of goods and services through automated system.

In other words, you do not need an actual shop to display your products for sale. You don’t need to hire additional employees who will help you run your business. You can manage your online business without any actual shop or additional employees. All you need to have is a website that will serve as your “shop” where your visitors and clients can see your products and/or services for sale. The success of your business will largely depend on your website as well as the strategies that you will use to manage your Internet marketing business.

There was an Internet marketer who shared some of his expertise on Internet marketing. According to him, a website must address five specific aspects of Internet marketing in order to succeed. These are as follows:

• Getting people to visit your website.
• Getting people to stay at your website.
• Getting people to visit your website again.
• Getting people to have transactions with you at your website.
• Getting people to have repeated or multiple transactions at your website.

From these five specific aspects, you may conclude that Internet marketing is about getting people into your website and do transactions with you. Keep in mind that you will not be able to earn revenues from your Internet marketing business if your website (which serves as your shop) cannot convert its visitors into loyal customers. Thus, your business objective now is to get more people to visit your website and possibly persuade them to make purchases of anything that you offer for sale.

This is where Internet marketing services comes into action. Such service, together with your marketing strategies, will help you get a majority of the Internet traffic to go to your site and convert them not just into sure but also into “repeat” buyers.

Just how important Internet marketing service is to your online business? Consider the following instances and learn how Internet marketing service affects almost every aspect of your Internet marketing career:

• At the earlier part of your online business, you are required to have your own website. As mentioned earlier, your site must attract people that could be your potential clients. Thus, you need to avail of different Internet marketing services that will help you make your site as attractive as possible to the Internet public, such as website design and development, content building, search engine optimization, keyword research, and others.
• Part of your Internet marketing business is advertising. You need to promote your products and/or services effectively so that you will be able to get more people who will make transactions with you. Services that are associated with advertising your online business include newsletter, e-mail marketing, online press releases, mailing lists, article marketing, affiliate marketing, and others.
• There is no single Internet marketer who succeeds without partners on his side. Thus, you need to get the services of your online partners (ad serving firms, professional marketing strategists, and others) who are willing to lend you a hand in achieving your online business goals.

All of existing Internet marketing services serves a common ground to all online entrepreneurs—that is, to ensure that Internet marketing industry exists continuously, thus giving everybody the opportunity of earning online. Without this Internet marketing services, the existence of this lucrative industry will probably cease, the dream of a five- to seven-digit revenue will remain to be a dream forever.

If you have plans of getting involved on Internet marketing, be sure that you are aware of the services and keep your online business alive and kicking.

Permanent Residency & The Green Card

Permanent Residency. Permanent residency is often referred to as having a Green Card. There are two primary categories of immigration: Immigrant status and Non-immigrant status. Immigrant status allows permanent residency in the United States. Non-immigrant status provides an authorization to aliens for temporary residency that expires upon the occurrence of a specific event.
A Permanent Resident is commonly referred to as a “Green Card” holder. Permanent residents have many rights which include the following:
The right to live in the United States permanently;
The right to reenter the United States after traveling out of the country abroad;
The right to apply for U.S. Citizenship after continuously living as a Permanent Resident in the United States for five (5) years
The right to employment in any work that is legal;
There are four main categories for green card permanent residency and even more subcategories under each main category. The main green card categories include Family Sponsored Immigration, Employment Immigration, DV Lottery, and Asylum and Refugee status.
Family Sponsored Immigration Green Card. Foreign family members of U.S. citizens and permanent residents may qualify for an immigrant visa. However, the United States sets strict limitations on the number of immigrant visas allowed each year. The closer the relative is the higher that person falls on the priority scale for obtaining an immigrant visa. Immediate family members of U.S. citizens are given the highest priority. Foreign parents, children under the age of 18, and spouses fall outside of the quota system and usually qualify quickly for an immigrant visa. Extended family members of United States citizens and family members of permanent residents may also qualify. However, the waiting period may be much longer. In some cases, the wait for a visa may exceed 10 years. The priority list for family sponsored immigration is as follows: (1) F-1 – Unmarried Sons or Daughters of U.S. Citizens over the age of 21; (2) F2-A -Spouses and unmarried Children of Permanent Residents under the age of 21; (3) F2-B -Unmarried Sons or Daughters of Permanent Residents over the age of 21; (4) F-3 -Married Sons or Daughters of U.S. Citizens over the age of 21; (5) F-4 – Brothers and Sisters of U.S. Citizens.
The relationship is only one criteria in determining preference. A second criteria includes the country of the relative’s origin. Economically poor countries such as China and India tend to have the longest waiting periods.
Employment Immigration Green Card. Aliens seeking permanent residency in the United States for employment purposes must fit into one of five categories. The first category is “Priority Workers” which includes Intra-Company Transferees of Managers and Executives, Outstanding Professors and Researchers and Aliens of Extraordinary Ability in the Sciences, Arts, Education, Business and Athletics. The second employment category is “Aliens of Exceptional Ability in the Sciences, Arts or Business” which includes Professionals with advanced degrees. The third category includes “Professionals with Bachelors Degrees not qualifying in the 2nd Preference, skilled workers, and unskilled workers in special needs professions. The fourth category is very narrow encompassing “Religious Workers” who are here to carrying out their religious mission. Finally, the last category is based on economic development and includes individuals who invest one million dollars ($1,000,000.00)in a new “commercial enterprise” or in a “troubled business” or those who invest Five Hundred Thousand Dollars ($500,000.00) in a “new commercial enterprise” or “troubled business” in a “targeted employment area.”
DV Lottery Green Card. 55,000 immigrant visas each year are available to those winning a Visa Lottery. The number of lottery visas are apportioned to countries that have fewer visa applicants. To apply, an immigrant must fill out a number of forms detailing their background with the INS. Each year lottery contestants are drawn and notified if they have won. A winning alien may make application for an immigrant visa.
Refugee/Asylum Status. Refugee and Asylum status allows foreigners fearing persecution to seek refugee status in this country. Foreigners outside of the United States may seek refugee status. Foreigners already in the United States may seek asylum to prevent deportation. After approval of Refugee or asylum status, the alien is allowed to enter or remain in the United States and may seek an adjustment of their status to one of permanent residency after one year.
For legal assistance Call (952) 746-2153.

Data Entry: An Internet Home Business Opportunity

The ability to work when you choose is the main drive for those of us who are looking into an Internet home business. The ability to choose the hours and days you spend at your desk compared to the hours and days spent enjoying time with family and friends can lead us to a career choice. A position as a Data Entry Clerk could be the career that provides you with the time and freedom that you long for. It is an opportunity worth looking into.

Online data entry positions can allow a person to earn up to $200.00 dollars per day. You can earn $31.50 per transaction. You can make these amounts in 30 minutes to an hour per day. It may sound too good to be true but it isn’t. You are provided with a username and password that enables you to access a membership area from a data entry website. Here you choose the company you wish to write for from a long catalogue list. You are provided with step-by-step tutorials that guide you through the entire process. You do not require experience as you are trained as you go. If you think this sounds interesting and possible you may want to check it out further.

This is a legal and honest career. You are taking the clients requested information and recording it in forms that are provided for you from your membership account. Company categories include health, money and employment information. You choose the company that interests you and simply read and record information using your computer. You send of the completed documents and are paid by check, direct deposit or pay pal. You choose your payment method.

You earn the amount of money you choose. The hours you spend on your data entry projects will determine what salary you earn. Top members earn from $600 to $1000.00 per day. It’s all a matter of how often you choose to work. This job position allows you to work when you want and to take time for yourself when you want. You can make this job work for you. You can use this job as a part time moneymaker or a full time career. This can all be done in five simple steps.

Five Simple Steps To Data Entry

1. Select the company you want to enter data for
2. Login to your member account to access data forms
3. Copy and paste data
4. Submit completed form
5. Get paid!

It is really as simple as completing the above five steps and you are working from home on your own schedule at your own pace. You give yourself the chance to live a more fulfilling and enjoyable life. You choose to live your life the way you see fit. Instead of working your life around your career, you work your career around your life. Job satisfaction leads to a happier life experience. Being trapped in a nine to five forty hour plus workweek is mundane and can easily place you in a life rut. Free yourself and choose to work for yourself. See if a career in data entry is right for you.

Buying Impressionist Cityscapes

I have been looking for impressionist cityscapes in various mediums to decorate my home. I prefer to hang art that was created in the last fifteen years. There are so many great artists to choose from.

I have decided that I want to have three impressionist cityscapes painted in acrylic. I will be buying one called Stormy Desert that was painted by an artist named JoanAnn. The piece is painted on a 40” X 30” canvas and has flowering cactus plants in the foreground.

The next impressionist cityscape painting I plan to buy is called Tuscan Waterfall. The piece is a triptych and is on three gallery wrapped canvases. The artist lives in Tennessee and supports herself with her art.

The last acrylic impressionist cityscape that I plan to buy is called Autumn Dream. Autumn is my favorite time of year and the painting captures every color of autumn. The artist painted the sides, so there is no need to have it framed. I can’t wait to see this hanging in my home.

I have found only two impressionist cityscapes that I liked in the Gouache medium. The first was from an artist named Joe Wojdakowski and the subject is an area located in Wells, Maine. I’m not sure why I am so drawn to this particular impressionist cityscape, but I am and plan to buy it.

The other Gouache impressionist cityscape that I plan to buy features Big Ben in London. The artist is an Englishman named Alasdair Rennie. The scene is rainy and I like it a lot. It reminds me of my time in London when I was a child.

The first oil impressionist cityscape painting I bought was called Koi Pond Reflections. I’ve seen this artist’s work before and I always really like it. The painting was completed using brush and knife. The painting has not arrived, yet, because the paint is very thick and needs to complete the drying process undisturbed. I cannot wait to get it!

I really like having various styles of impressionist cityscape paintings. I don’t just like variety in the mediums; I like variety in styles and influences. I really fell in love with an oil impressionist cityscape painting called En Sendero that was originally purchased in Oaxaca, Mexico. I purchased the painting for just over three thousand dollars.

The oil impressionist cityscape painting of Paris that I want was painted by a well recognized painter Radik Atoyan. He is Armenian and signed the painting in his Armenian language. He has a unique way of using color that just makes his painting look special.

I have also been interested in watercolor impressionist cityscape paintings. There is an original painting that depicts an urban rainy night that I think would be perfect for me. The painting just makes me feel good to look into.

I made a purchase not long ago that was painted by an Israeli artist named Yosef Kosssonogi. The use of color in this watercolor impressionist cityscape is so vivid. I could not wait to hang it on my wall. After the shipment arrived with the painting, my brother came right over with a level to hang it.

I found a painting that reminded me of a vacation I took to Pittsburgh, Pennsylvania. The impressionist cityscape painting was created by Adam Maeroff and I think that it is the perfect painting to complete my collection.

Small Business Loans for Women

The Small Business Administration states that business loans for women are on the rise, and will continue to be needed on an increasing basis in coming years. Business loans for women are more popular than ever due to a variety of factors.
1. Women are taking the initiative needed to become business owners and are opening new businesses.
According to the most recent data on businesses, available from the U.S. Department of Commerce, Bureau of the Census, there were 5.4 million women-owned businesses in the United States in 1997. The Bureau of the Census also stated that the number of women-owned firms grew almost three times as fast as all firms between 1992 and 1997. They have reported that the number of women-owned firms increased by 16 percent in this five-year period, compared to a six percent increase for United States firms in general. The 1997 Economic Census states that women-owned firms made up 26 percent of the nation’s 20.8 million nonfarm businesses, employed seven percent of the 103 million workers, and generated four percent of the $18.6 trillion in receipts. The National Foundation for Women Business Owners states that the current estimated growth rate in the number of women-owned firms is nearly twice that of all firms, and this increase is a trend that is expected to increase even more in coming years. The anticipated increase in women-owned firms, therefore, brings about a tremendous need for business loans for women.
2. The past decade has shown a boom in the home-based business arena.
The increase in home-based businesses popping up nationwide is due very much to the idea that many mothers are starting businesses in order to choose a work-at-home lifestyle to bring income into the home, and at the same time, raise their children at home rather than placing them in daycare. While these home-based business are operated in a nontraditional work environment, in perhaps a nontraditional style of operation, they are nonetheless the same as other businesses in the style of carrying inventory, making purchases for the business, marketing the business, and creating a web presence. Business loans for women are crucial for small businesses such as these. Many have proven to be just as successful or even more successful than traditional businesses and businesses owned by men.
3. Women often purchase existing businesses.
Nearly no explanation is needed to stress the need for business loans for women in this area. Purchasing a business requires money, most often obtained through business loans for women or through another type of loan. Because more and more women are leaving the work place and carefully weighing all factors of owning a business, purchasing an existing business is a wonderful option for those that don’t want the risk involved in actually starting a business. By purchasing an existing business, it allows the potential new owner the opportunity to carefully examine the existing business regarding many things, including its profitability, gross sales, and market position. A business that rates high in all three areas is a good business investment for a new potential business owner, especially a women with past business experience. Business loans for women can offer a new, potential business owner the opportunity needed to operate a successful business.
4. With more women in business for themselves, business loans for women are needed to offer women capital crucial for a business to succeed.
Regardless of whether the business is home-based or more traditional in nature, and whether it’s a start-up business or was a purchased, existing business, capital is needed for a business to succeed, and to start, business loans for women are of great assistance. Business loans for women offer women a way of starting a new business with capital. Business loans for women can also assist women in increasing sales for an existing business, as well as marketing the business or expanding a business.
5. Women tend to choose to operate businesses in the services or retail trade industries.
According to the U.S. Census Bureau, more than seven out of every 10 women-owned businesses and firms are operated in the services or retail trade industries. Considering the nature of these two types of businesses, one can easily see why the need for business loans for women is on the rise. In order for a woman to successfully operate a retail trade business, for example, inventory is needed. While drop shipping can sometimes be an option, especially for an at-home retail business operated through an online store, more realistically speaking, inventory needs to be purchased. Business loans for women offer women the option of purchasing inventory to be sold in a retail business. Likewise, a service-related business normally operates with the use of equipment, and is often specialized equipment for that specific type of business. The availability of business loans for women offers women the opportunity to purchase equipment and supplies needed to operate and succeed in running a service-related business.
Business loans for women are increasingly important for female business owners. However, careful consideration should be taken before securing a business loan to make sure that the loan is truly needed for the business to expand and succeed, and to make sure that the loan payments will easily fit into the business’ budget.

What Are Business Loans?

Business loans can be defined as money lent for a specified amount of time at a specific interest rate to a specific person or people that operate a business or plan to operate a business. This definition is very broad, but so are the various types of loans available to business people. Deciding on which type of business loan that you and your company will benefit from the most is very important. Often times, a start-up business or someone that has never owned a business will find themselves more or less applying for a “personal” loan. This can be a very risky endeavor, mixing business loans with personal loans, however, often times it is the only available means for first time business owners.
One of the first things personal business owners need to do is establish business credit. Business credit can help you get a business only loan without using your personal credit. Establishing business credit can be done by:
1.) Opening up a business credit card account and paying it in full.
2.) Buying equipment and supplies from companies that will report good standing to the business credit bureaus.
3.) Having a good business plan with potential earnings, letters of intent, and any type of customer contracts already laid out.
All of these types of endeavors can help in receiving a business loan. Often times, financial institutions require in-depth business plans, be prepared to spend days working on just the certification paperwork prior to applying for a business loan. A business only loan can be obtained in the business name without use of personal credit as long as the business can justify the loan amount and the ability to pay it back.
There are several different types of business loans available, ranging from those secured with collateral, non-secure loans, which are based upon the credit worthiness of the applicant, and even government loans for small business ventures, women and minorities. Government loans are those loans secured by the government; in most instances these loans are available when the business or owner can prove that the community will prosper based upon the business at hand. For the most part, government loans are based upon personal credit.
The basis for which you may need or require a business loan may vary. Some of the most common business loans available to business owners are:
Acquisitions or a loan to acquire an existing business
Inventory loans
Account Receivable Loans
Working Capital Loans which converts a companies assets into working capital
Equipment Leasing
Commercial Property loans
Warehouse financing
International business loans
Franchise loans
One of the most important tools when deciding on what type of business loan your company needs is research. Researching the different types of loans available to you and your company can save you money. First, look into the different type of business loans available to you in your state. Many states have government loans available; some even offer grants, which is money available for specific purposes that do not require repayment. Research the different type of Federal loans available. You can do this at the following website: www.sba.gov. Call your local bank and investment companies regarding the business loans they have available for you. Many times, business loans are not that hard to acquire. With research and a good business plan, your dreams may come true.

Sports Betting Odds

Thousands of people anywhere in the world bet on sports for a number of reasons. Many of them do sports betting for fun, while others bet on their favorite teams for money. Well, no matter what their reason is, it is important to note that betting on sports without proper knowledge of the game and its odds is suicidal.

In every sports betting game, checking out the sports betting odds is a very crucial move to take. After all, sport betting odds is the most common form of betting in the world, and it basically involves predicting whether an outcome will happen or not. So, to consider odds betting, you need to place your bet at certain odds which relate directly to the percentage probability that the predicted outcome will happen. Many experts have said that the lower the sports betting odds, the more likely it is that the outcome will happen. It’s no wonder then that the outcome with the lowest odds is considered as the favorite.

Who makes the sports betting odds? How the sports betting odds are made?

You may have heard about the odds makers. Basically, in sports betting, there are odds makers are the ones who take into account every possible thing which may affect the outcome of a particular event or game. The sports betting odds are then identified by the odds makers by way of considering several factors of the game, such as the quality of the teams or participants, the injuries, edge to win, weather and condition of the field, place of the event, match-up history, and a lot more.

When all of those factors are considered and ever detail is given close attention, the maker of the sports betting odds usually form a number which will be acceptable to both sides of the bet. To put it simply, the number is considered based on its quality to attract enough attention on every side of the bet. So, if for instance, the majority of the bets fall on one particular side of the bet, the original number chosen by the sports betting odds number was probably not a good one. This is where actually the sportbooks come in to adjust the line up or down so to encourage people to try and bet on the other side.

The sports betting odds are also determined by the odds makers by looking at the day to day information about the event or game. The information is then used to adjust spreads as the season progresses. Also, the basic digits are calculated and analyzed before season of the game starts. Along with this, it is the task of the sports betting odds makers to look at the seasons numbers of the previous events, including the off-season moves and transactions, health of the players, changes on coaching, and other necessary information. These factors are then combined together through a series of special formulas in order to form what the people commonly call as “power rankings”. The power ranking of every sports betting is usually changed or adjusted based on its overall performance. And, the resulting number is utilized to help determine the spread.

One main fact to note about the makers of sports betting odds is that they will not actually tell you that their job is not to predict an outcome of an event. They rather divide the public as who it thinks will win. So, before you consider betting on sports, try to do a little research of the sportsbooks you bet at, and check the odds.