Thursday, September 30, 2010
beautiful angel tattoos design for women
small angel wing tattoos design
unique angel devil tattoos design colorful
angel of death tattoos design collection
Graceful – Flower Arrangement
Flowers arranged in tall containers have their own grace. This arrangement is made in a Bamboo vase that I bought in Cauvery Nisargadhama. The measurements for the flowers to be cut is per Ikebana rules.
Materials Required:
1 tall vase
3 Gladioli
3 Bulrushes
3 Golden Rods
2 Philodendron leaves
Method:
Fill vase with water. Cut first Bulrush into one and half the height of the vase and the other one as ¾ th of the first Bulursh and the third one as ¾ th of the second bulrush. Similarly cut the first Gladioli as ¾ th of the first Bulrush and the 2nd gladioli as ¾ th of the first Gladioli and so on. Likewise cut the first Golden Rod as ¾ th of the first Gladioli and the 2nd Golden Rod as ¾ th of the first Golden Road and so on..
Materials Required:
1 tall vase
3 Gladioli
3 Bulrushes
3 Golden Rods
2 Philodendron leaves
Method:
Fill vase with water. Cut first Bulrush into one and half the height of the vase and the other one as ¾ th of the first Bulursh and the third one as ¾ th of the second bulrush. Similarly cut the first Gladioli as ¾ th of the first Bulrush and the 2nd gladioli as ¾ th of the first Gladioli and so on. Likewise cut the first Golden Rod as ¾ th of the first Gladioli and the 2nd Golden Rod as ¾ th of the first Golden Road and so on..
Debit card fraud occurs when a criminal gains access to your debit card number and, in some cases, PIN, to make unauthorized purchases and/or withdraw cash from your account. There are many different methods of obtaining your information, from unscrupulous employees to hackers gaining access your data from a retailer's unsecure computer.
When your debit card is used fraudulently, the money is missing from your account instantly. Payments you've scheduled or checks you've mailed may bounce; you may not be able to afford necessities, and it can take awhile for the fraud to be cleared up and the money restored to your account.
How to Detect Debit Card Fraud
Fortunately, it doesn't take any special skills to detect debit card fraud. The easiest way to spot problems early is to sign up for online banking, if you haven't already. Check your balance and recent transactions daily. The sooner you detect fraud, the easier it will be to limit its impact on your finances and your life. If you see unfamiliar transactions, call the bank right away. If you're the forgetful type, start hanging on to the receipts from your debit card transactions so you can compare these against your online transactions.
If you don't want to bank online, you can keep tabs on your recent transactions via phone banking. In the very least, you should review your monthly bank statement as soon as you receive them, and check your account balance whenever you visit an ATM or bank teller. However, it can take much longer to detect fraud using these methods.
9 Easy Ways to Protect Yourself
While you may not have any control over hackers and other thieves, there are many things you can control that will help you avoid becoming a victim.
* Get banking alerts. In addition to checking your balance and recent transactions online daily, you can sign up for banking alerts. Your bank will then contact you by email or text message when certain activity occurs on your account, such as a withdrawal exceeding an amount you specify or a change of address.
* Go paperless. Signing up for paperless bank statements will eliminate the possibility of having bank account information stolen from your mailbox. Shredding existing bank statements and debit card receipts using a diamond-cut shredder when you're done with them will greatly reduce the possibility of having bank account information stolen from your trash.
* Don't make purchases with your debit card. Use a credit card instead, because it offers greater protection against fraud. If you do make debit card purchases, don't use your PIN - tell the cashier to select the credit option. The money for your purchase will still be withdrawn from your account right away, but you won't expose yourself to PIN theft. (If you want to make the switch to credit cards, read 6 Major Credit Card Mistakes to learn how to use these tools wisely.)
* Stick to bank ATMs. They tend to have better security (video cameras) than ATMs at convenience stores, restaurants and other places.
* Destroy old debit cards. Some shredders will take care of this for you.
* Don't keep all your money in one place. If your checking account is compromised, you want to be able to access cash from another source to pay for necessities and meet your financial obligations. (For more, see 5 ATM Scams That Can Break The Bank.)
* Beware of phishing scams. When checking your email or doing business online, make sure you know who you're interacting with. (See What Is A Phishing Scam And How Can They Be Avoided?)
* Protect your computer. Use firewall, anti-virus and anti-spyware software on your computer, and keep it updated regularly.
* Use a secured network. Don't do financial transactions online, when using your computer in a public place and/or over an unsecured network.
What to Do if it Happens to You
If you learn that your debit card information has been compromised, contact your bank immediately to limit the damage the thief can do, and limit your financial responsibility for the fraud. Make contact immediately by phone, and follow up with a detailed letter stating the full name of the bank employee you spoke with, details of the fraudulent transactions, and any ideas you have about how your account may have been compromised. Ask your bank to waive any NSF fees that may be incurred because of the fraud, and to restore the fraudulently withdrawn funds to your account.
Hopefully, you won't have any trouble resolving the issue directly with your bank, but if you do, you can contact a legitimate consumer advocacy group such as Privacy Rights Clearinghouse. There are also government organizations to contact if your bank isn't cooperating. The agency to contact depends on the type of bank you use.
If you're not sure which one to call, start with the OCC. (If you're not getting along with your bank, don't be afraid to switch.)
If you will have trouble making any of your monthly payments because of the fraud, contact those creditors, explain the situation and ask if they can do anything for you. This step is extremely important, as failure to do so implies your unwillingness to pay them. However, if they know about your hardship, they may be willing to work with you to reschedule payments.
Conclusion
Anything you can do to make a thief's work more difficult, whether it's staying on top of your balance, spreading your cash out across multiple accounts or making purchases with credit cards instead of debit, will help safeguard your checking account and decrease your chances of becoming a victim of debit card fraud.
When your debit card is used fraudulently, the money is missing from your account instantly. Payments you've scheduled or checks you've mailed may bounce; you may not be able to afford necessities, and it can take awhile for the fraud to be cleared up and the money restored to your account.
How to Detect Debit Card Fraud
Fortunately, it doesn't take any special skills to detect debit card fraud. The easiest way to spot problems early is to sign up for online banking, if you haven't already. Check your balance and recent transactions daily. The sooner you detect fraud, the easier it will be to limit its impact on your finances and your life. If you see unfamiliar transactions, call the bank right away. If you're the forgetful type, start hanging on to the receipts from your debit card transactions so you can compare these against your online transactions.
If you don't want to bank online, you can keep tabs on your recent transactions via phone banking. In the very least, you should review your monthly bank statement as soon as you receive them, and check your account balance whenever you visit an ATM or bank teller. However, it can take much longer to detect fraud using these methods.
9 Easy Ways to Protect Yourself
While you may not have any control over hackers and other thieves, there are many things you can control that will help you avoid becoming a victim.
* Get banking alerts. In addition to checking your balance and recent transactions online daily, you can sign up for banking alerts. Your bank will then contact you by email or text message when certain activity occurs on your account, such as a withdrawal exceeding an amount you specify or a change of address.
* Go paperless. Signing up for paperless bank statements will eliminate the possibility of having bank account information stolen from your mailbox. Shredding existing bank statements and debit card receipts using a diamond-cut shredder when you're done with them will greatly reduce the possibility of having bank account information stolen from your trash.
* Don't make purchases with your debit card. Use a credit card instead, because it offers greater protection against fraud. If you do make debit card purchases, don't use your PIN - tell the cashier to select the credit option. The money for your purchase will still be withdrawn from your account right away, but you won't expose yourself to PIN theft. (If you want to make the switch to credit cards, read 6 Major Credit Card Mistakes to learn how to use these tools wisely.)
* Stick to bank ATMs. They tend to have better security (video cameras) than ATMs at convenience stores, restaurants and other places.
* Destroy old debit cards. Some shredders will take care of this for you.
* Don't keep all your money in one place. If your checking account is compromised, you want to be able to access cash from another source to pay for necessities and meet your financial obligations. (For more, see 5 ATM Scams That Can Break The Bank.)
* Beware of phishing scams. When checking your email or doing business online, make sure you know who you're interacting with. (See What Is A Phishing Scam And How Can They Be Avoided?)
* Protect your computer. Use firewall, anti-virus and anti-spyware software on your computer, and keep it updated regularly.
* Use a secured network. Don't do financial transactions online, when using your computer in a public place and/or over an unsecured network.
What to Do if it Happens to You
If you learn that your debit card information has been compromised, contact your bank immediately to limit the damage the thief can do, and limit your financial responsibility for the fraud. Make contact immediately by phone, and follow up with a detailed letter stating the full name of the bank employee you spoke with, details of the fraudulent transactions, and any ideas you have about how your account may have been compromised. Ask your bank to waive any NSF fees that may be incurred because of the fraud, and to restore the fraudulently withdrawn funds to your account.
Hopefully, you won't have any trouble resolving the issue directly with your bank, but if you do, you can contact a legitimate consumer advocacy group such as Privacy Rights Clearinghouse. There are also government organizations to contact if your bank isn't cooperating. The agency to contact depends on the type of bank you use.
If you're not sure which one to call, start with the OCC. (If you're not getting along with your bank, don't be afraid to switch.)
If you will have trouble making any of your monthly payments because of the fraud, contact those creditors, explain the situation and ask if they can do anything for you. This step is extremely important, as failure to do so implies your unwillingness to pay them. However, if they know about your hardship, they may be willing to work with you to reschedule payments.
Conclusion
Anything you can do to make a thief's work more difficult, whether it's staying on top of your balance, spreading your cash out across multiple accounts or making purchases with credit cards instead of debit, will help safeguard your checking account and decrease your chances of becoming a victim of debit card fraud.
Wednesday, September 29, 2010
Vaggarane Anna
Rice tossed in a seasoning with Onions and Tomatoes.
Time Required: 20 Miutes
Serves: 2
Ingredients:
4 Cups Cooked Rice
2 Onions, Chopped finely
2 Tomatoes, Chopped finely
2 sprigs Curry leaves, Chopped finely
6 Green Chilies, Chopped finely
4 sprigs Coriander leaves, Chopped finely
½ Cup fresh grated Coconut
2tbs Oil
1tbsp Kadalebele/Bengal Gram
1tbsp Uddinabele/Black Gram split
1tsp Mustard Seeds
½ tsp Turmeric Powder
Salt to taste
Method:
Heat Oil and add Kadalebele/Bengal Gram and Uddinabele/Black Gram split and when they turn pink add Mustard Seeds and when they splutter add Turmeric Powder, Curry leaves, Green Chilies, Onions and sauté for two minutes. Next add Tomato and sauté for a minute. Add Salt, Coconut, Coriander leaves and Rice and mix well. Serve hot with chutney or raitha.
Time Required: 20 Miutes
Serves: 2
Ingredients:
4 Cups Cooked Rice
2 Onions, Chopped finely
2 Tomatoes, Chopped finely
2 sprigs Curry leaves, Chopped finely
6 Green Chilies, Chopped finely
4 sprigs Coriander leaves, Chopped finely
½ Cup fresh grated Coconut
2tbs Oil
1tbsp Kadalebele/Bengal Gram
1tbsp Uddinabele/Black Gram split
1tsp Mustard Seeds
½ tsp Turmeric Powder
Salt to taste
Method:
Heat Oil and add Kadalebele/Bengal Gram and Uddinabele/Black Gram split and when they turn pink add Mustard Seeds and when they splutter add Turmeric Powder, Curry leaves, Green Chilies, Onions and sauté for two minutes. Next add Tomato and sauté for a minute. Add Salt, Coconut, Coriander leaves and Rice and mix well. Serve hot with chutney or raitha.
Fruit Flowers and Light
This is Dutch style of flower arrangement. The materials used range from fruits, flowers and candles. The different hues of flowers and fruits complement each other with candles lighting up the arrangement. This arrangement is perfect during Diwali.
Materials Required:
3 Red Apples
2 Yellow Pears
2 Small Bananas
5 Red Roses
2 Candles
Few Stalks of Cyprus
1 block of Sponge soaked in water for at least half an hour
1 basket
A small plastic sheet
Method:
Line the bottom of the basket with a plastic sheet. Place the sponge in the middle. Arrange the fruits first on the sides of the sponge. Cut the Roses in different lengths. Stick the Roses in any pattern you desire into the sponge. Cut the Cyprus stalks into long and short stems. Stick these on the other later and camouflage the sponge. Stick Candles into the sponge and light it up.
Materials Required:
3 Red Apples
2 Yellow Pears
2 Small Bananas
5 Red Roses
2 Candles
Few Stalks of Cyprus
1 block of Sponge soaked in water for at least half an hour
1 basket
A small plastic sheet
Method:
Line the bottom of the basket with a plastic sheet. Place the sponge in the middle. Arrange the fruits first on the sides of the sponge. Cut the Roses in different lengths. Stick the Roses in any pattern you desire into the sponge. Cut the Cyprus stalks into long and short stems. Stick these on the other later and camouflage the sponge. Stick Candles into the sponge and light it up.
8 Steps To An Organized Financial Life
Lack of organization can harm your finances as much or more than being short on cash. Losing bills can lead to late fees, and not keeping track of your bank account could cause overdraft fees. The following are some tips that will help you stay on top of your bills and accounts, and will lead to greater organization and, most importantly, less spending.
1. Pull Out Your Budget at Least Once Per Month
Your bills could change on a monthly basis. Revise your budget as bills come in and adjust other expenses to make up for it, so you don't accidentally overdraw your bank account. For instance, some months and seasons bring higher electrical bills than others. Let's say your electric bill is a $100 more in June than it was in May. Your budget may be based on spring electricity usage or the usage from a month where you had a lower electric bill. Since June's electric bill signals a change in expenses, you take out your monthly budget to see what other area of your budget you could adjust so you can pay your electric bill.
To save $100, you exchange two dinners out for a bike ride with a packed lunch. You might also grab self-made or deli-made sandwiches to bring to a concert in the park instead of going out for pricey drinks. The best part about having to cut down on one expense to pay for another is it will force you to break traditions and try something different.
What if you don't have a budget? Create one today! Start by writing down your budget the way you'd like your expenses to unfold. At the end of the month, start tweaking your budget by adjusting other expenses when one expense is more than you expected. (For more budgeting tips, check out Get Your Budget Into Fighting Shape and 6 Months To A Better Budget.)
2. Use Financial Software
Financial software isn't just for investments. You can find free, scaled-down financial software on the web to help you keep track of your daily expenses. Within the programs, you can get detailed information as to where your money is actually going. When choosing budgeting software, verify on the Better Business Bureau website that the service you consider has good customer service records.
3. Have One Place for Bills
Even if most of your bills arrive electronically, you still need a place for bills that come by mail. Why would you have bills show up by mail? Homeowners may not get property tax or homeowners insurance bills electronically because these bills are paid on an annual basis.
For storage, keep your bills wherever you normally write checks or pay bills online. Throw out bills once they are paid, preferably after shredding them for privacy and identity theft protection.
You can also keep scanned copies in your computer. If you don't like filing bills by hand, scan them and save a copy in file format. Give the file a name that says exactly what the bill is and keep all bills in a file labeled bills.
4. Open Bills and Pay Them the Same Day You Receive Them
If you have money available in your bank account and you don't have other debit card or bill pay charges coming through that could cause an overdraft, pay your bills the same day they are received.
Pay extra attention to paper bills that normally come electronically. You don't want to pay a bill twice because you received a duplicate by mail. Always call your creditor when a paper bill arrives when you think you have an automatic payment scheduled or electronic billing set up.
5. Have a Checklist for Bills You Are Expecting
Neither mail nor email is perfect. Create a checklist at the beginning of the month with every bill you are expecting. You can keep it on your desk, bill paying area or create a file on your computer.
6. Consult with Anyone with Whom You Share Accounts
Whether it's your spouse, significant other or relative, you can easily bounce a check or debit card payment if you don't know how much the other has been spending.
Example: Your spouse has the day off and decides to go to lunch and golfing with a buddy. When you get home, you're told about a great game of golf. What you're not told is the $150 spent amidst day-off festivities. You end up bouncing a direct-debited student loan payment because your bank account had $100 less in it than you thought.
7. Verify that Your Paycheck is Direct Deposited
If you have direct deposit, you get used to your paycheck being there on paydays. However,sometimes your check may not arrive electronically on the correct date. Don't start spending your paycheck until you've checked your account balance.
8. Have Two Bank Accounts
Use one account for spending. Use one for bills. This way you can prevent yourself from accidentally spending bill money on a night out that should have gone towards rent.
Conclusion
Missing bill payments because of lack of organization is the easiest financial problem to fix. You don't have to use all eight of these tips, as long as you pick an organizational system that you can stick to every month.
1. Pull Out Your Budget at Least Once Per Month
Your bills could change on a monthly basis. Revise your budget as bills come in and adjust other expenses to make up for it, so you don't accidentally overdraw your bank account. For instance, some months and seasons bring higher electrical bills than others. Let's say your electric bill is a $100 more in June than it was in May. Your budget may be based on spring electricity usage or the usage from a month where you had a lower electric bill. Since June's electric bill signals a change in expenses, you take out your monthly budget to see what other area of your budget you could adjust so you can pay your electric bill.
To save $100, you exchange two dinners out for a bike ride with a packed lunch. You might also grab self-made or deli-made sandwiches to bring to a concert in the park instead of going out for pricey drinks. The best part about having to cut down on one expense to pay for another is it will force you to break traditions and try something different.
What if you don't have a budget? Create one today! Start by writing down your budget the way you'd like your expenses to unfold. At the end of the month, start tweaking your budget by adjusting other expenses when one expense is more than you expected. (For more budgeting tips, check out Get Your Budget Into Fighting Shape and 6 Months To A Better Budget.)
2. Use Financial Software
Financial software isn't just for investments. You can find free, scaled-down financial software on the web to help you keep track of your daily expenses. Within the programs, you can get detailed information as to where your money is actually going. When choosing budgeting software, verify on the Better Business Bureau website that the service you consider has good customer service records.
3. Have One Place for Bills
Even if most of your bills arrive electronically, you still need a place for bills that come by mail. Why would you have bills show up by mail? Homeowners may not get property tax or homeowners insurance bills electronically because these bills are paid on an annual basis.
For storage, keep your bills wherever you normally write checks or pay bills online. Throw out bills once they are paid, preferably after shredding them for privacy and identity theft protection.
You can also keep scanned copies in your computer. If you don't like filing bills by hand, scan them and save a copy in file format. Give the file a name that says exactly what the bill is and keep all bills in a file labeled bills.
4. Open Bills and Pay Them the Same Day You Receive Them
If you have money available in your bank account and you don't have other debit card or bill pay charges coming through that could cause an overdraft, pay your bills the same day they are received.
Pay extra attention to paper bills that normally come electronically. You don't want to pay a bill twice because you received a duplicate by mail. Always call your creditor when a paper bill arrives when you think you have an automatic payment scheduled or electronic billing set up.
5. Have a Checklist for Bills You Are Expecting
Neither mail nor email is perfect. Create a checklist at the beginning of the month with every bill you are expecting. You can keep it on your desk, bill paying area or create a file on your computer.
6. Consult with Anyone with Whom You Share Accounts
Whether it's your spouse, significant other or relative, you can easily bounce a check or debit card payment if you don't know how much the other has been spending.
Example: Your spouse has the day off and decides to go to lunch and golfing with a buddy. When you get home, you're told about a great game of golf. What you're not told is the $150 spent amidst day-off festivities. You end up bouncing a direct-debited student loan payment because your bank account had $100 less in it than you thought.
7. Verify that Your Paycheck is Direct Deposited
If you have direct deposit, you get used to your paycheck being there on paydays. However,sometimes your check may not arrive electronically on the correct date. Don't start spending your paycheck until you've checked your account balance.
8. Have Two Bank Accounts
Use one account for spending. Use one for bills. This way you can prevent yourself from accidentally spending bill money on a night out that should have gone towards rent.
Conclusion
Missing bill payments because of lack of organization is the easiest financial problem to fix. You don't have to use all eight of these tips, as long as you pick an organizational system that you can stick to every month.
Tuesday, September 28, 2010
beautiful angel tattoos design on the back body
symbol dragonfly tattoo designs | tattoo designs women
beautiful fairy tattoos on the foot gallery fairy tattoos
Subscribe to:
Posts (Atom)