This past Friday, while working from home (I love working from home), a guy knocked on my door perpetrating a magazine salesman. Well actually, he gave me this sob story about how he lived in the ghetto all his life, how he’s getting his GED and how he just recovered from being shot in the leg and then he went for the punch line….”Can you spare a few dollars by ordering some magazines from me to help support me going to school to get my GED?” Needless to say, I didn’t buy anything from him. Does that make me a bad person?
Before you answer that…let me stop right here and say this…. I support people wanting to better themselves. I’ve always done that by donating to charities such as Goodwill, UNCF, my church and other notable organizations trying that help people….however, what I don’t like is people trying to take advantage of people by using emotions or trickery in language to get someone to purchase something. This guy was basically a magazine salesman disguised as a THUG…yes I said it THUG (even if he was a legitimate salesman, I wouldn’t have bought anything because he didn’t look presentable). What got me even more was that I asked him to come to my church this Sunday to tell his story, or rap (he stated that he did gospel rap) to us and perhaps maybe he could get some donations that way. Well he kindly turned that down or rather should I say, cut me off and quickly exited the premises when he saw that I wasn’t going to give him any money. I chalk this all up to him being a scammer or either a bad salesman. Either way, I wasn’t about to give him a dime….been there done that.
Call me a skeptic if you want. I was a victim of identity theft back in 2009, so my antennas are up big time. But honestly there are scams and scammers all over the place and if you’re not careful, you’ll easily fall into one of their traps. One can never bee too careful when it comes to protecting yourself.
Happy Monday by the way.
The following is a guest post. Edwin Alcanter is a business graduate student, who likes to write about practical saving tips and identity theft protection.
Today’s economic crisis is an awakening for all of us. Students, homeowners, young professionals, entrepreneurs, established businesses and the rest are tightening their belts to survive this turmoil. A lot of financial gurus are sharing their expertise, on how to avoid “hand-to mouth” existence, so to speak. They are publishing books; they talked on national TV, in schools and all other platforms, just to spread the word which is to save.
Saving a certain percentage, like 20 percent of your take home pay, or depending on your goal, is the key to survival these days. How to do entails a good financial map. Here are some of the suggestions on how to save up.
Continue reading Living Below Your Means; Have You Tried It?
I became a victim of identity theft back in 2009. That was one of the worse days of my life. I felt helpless, violated and angry. Even though I know that 1 in 4 people will either experience identity theft on a personal level or they know someone whose experienced it…I still never thought it would happen to me. I mean, I’m pretty careful with my credit cards and I check my bank accounts a couple of times a day. I always try to shred mail and other documents that have pertinent information on them. How in the world could this have happened to me?
So you can imagine how shocked I was to learn that someone had stolen my identity by filing a bogus federal tax return in my name. Because we live in the technical age this type of identity theft has become more common. To make matters worse, the IRS is aware that this type of identity theft exists but is doing little to stop or prevent it.
Tax return fraud is just one of the many types of identity theft that’s prevalent today and as you read this, thieves are searching for cleverer ways to commit this crime. Don’t let it happen to you…take strategic steps to protect your identity.
Below are some tips on the types of ID Theft and ways you can prevent this from happening to you.
Continue reading I’m a victim of Identity Theft: Ways to prevent it from happening to you