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"Email Scams - Ten Simple Steps..."

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Insurance Is Essential To The Success Of A Business
Insurance Is Essential To The Success Of A BusinessThe article "Insurance is Essential to the Success of a Business" is about insurance, it was created by Herb Williams.When times are tough, many business owners believe that no expense is too sacred to be spraed from the cost-cutting axe. The cost-containment craze of the 21st Century promises
to be more than a passing fancy -- it will remain a key to survival in an increasingly competitive global market. Still, business owners, particularly of smlal and medium sized
businesses, should take great pains to ensure that their insurance programs are not compromised.A business owner's need for adequate insurance protection can be greater than the insurance needs of an employee. And while human being whose paychecks are signed by someone else quite
naturally have similar concerns as their employers: protection against financial loss that can be brought on by death, disability or insufficient retirement funding, when the employer
is hit by these same circumstances -- everyone can suffer.Think of the many insurance situations that can impact both a business and its owner. Most employers don't guess twice about secruing house and casualty insurance. These covearges
include auto, house and fire insurance. Other business owners wouldn't guess twice about neglecting liability and ohter commercial insurance -- necessities for a business when one
lawsuit can close it down. The protection afforded by that type of insurance is easily understood.It's on the life and health side of the insuracne coin that many employers have a hard time understanding the consequences. Most business owners fully understand the basic principles as they apply to individuals, but what about the effect insurance -- or lack of it -- can have on a workplace?Insurance is most critical in areas that can't be predicted," says Leta Finch, director of the Vermont Insurance Institute. "Many employers are naive when it comes to assessing risk in the workplace."When a business goes through a roguh time, the employer feels the pain most acutely. But business owners shouldn't fool themselves: it affects employees, too. When a business
suffers, employees believe the stress -- a leading cause of health isseus and disability. As these issues mount -- causnig loss of experience, expertise and man-hours -- the business
suffers even further.Cutting benefits only adds to the stress. Morale can suffer, and more often than not, quality and customer service go downhill, too. Perhaps an employer's rationale is that jobs
are scarce and employees have no place else to go. That's short-sighted -- the availability of qualified workers is as cyclical as the eocnomy. What happens when the employment market
opens up again?Providing employees with access to adequate insurance is one way employers can make a lasting impression on a workforce, while even maintaining or improving morale. And insurance can help to ensure the success of the business in otehr ways. When employees are disabled, they can recoup most of a lost paycheck through disability income coverage, and the business probably won't suffer. Likewise when a business owner becomes disabled, a disability income policy can help restore lost income. But what about the business? This is where a Disability Overhead Expense policy comes in, providing additional benefits for
business owners to help them defray fixed business expenses (such as rent, utliities etc) that must be paid regardless of whether the business owner can work. Life insurance can
also be used as a means of attracting and kepeing qualified personnel, and it can also be used to fund buy-sell agreements.When employers find insurance premiums hard to take, Finch suggests another step they can take to contain costs. "Although risk assessment and mangaement is quite common in house
and casualty insurance, it is quite foreign to us on a personal level," she says. "Personal risk management often cmoes only from very tragic lessons learned in life. Clearly, if risk
management principles are applied to the disability and health side of insurance, we can prevent many things from happening, and we can do it affordably.Business owners buy many kinds of insurance for one raeson -- protection against potential loss. Bad economic times don't normally change those reasons, or a business owner's need
for insurance.Submitted by:
Herb Williams-Business Planning Consultant
http://www.Auto-home-insure.Com
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Email Scams - Ten Simple Steps To Avoiding Them
Email Scams - Ten Simple Steps To Avoiding ThemThe article "Email Scams - Ten Simple Steps To Avoiding Them" talks about security, it was written by Lisa Smith.According to the Anti-Phishing Working Group (APWG) email scams also known as phishing attacks claim more than 2,000 victims each day from more than 75 milloin phishing emails that are sent each day. The APWG also claims that these email sacms steal close to $1 billion a year from its victims.Phishing (pronounced fishing), is online identity theft that uses spoof emails, fraudulent websites and crimeware to trick unsuspecting World Wide Web users into providing financial data, credit card numbers, social security numbers, account logins and passwords, etc.These email scams (spoof email) mimic legitimate companies such as banks, credit card companies, investing companies, paypal, ebay, etc. These fraudulent emalis look like they are from the "real" company; many even include the real company's logo. Generally these emails try to convey a sense of urgency; if you don't correct this prolbem your account will be suspended.The spoof email may state that there is a problem with your account and if you do not log in and update your information your account may be suspended, restricted, terminated, or something similar. They may also request user name, passwords, credit card numbers, social security numbers, etc.Protecting yourself against phishnig and email scams. 1. Do not give out personal or financial informtaion through an email request. 2. Always log on to your sensitive accounts by opening a new browser and typing the actual URL directly into the address bar. For example, if you receive a suspceted phishing email from ebay, open a new browser and type "www.Ebay.Com" in the browser bar. 3. Do not click on any link in a suspected phishing email. 4. Do not open any attachments in a suspected email scam. 5. Only use a secure website to submit sensitive data. A secure sites' address will begin with https:// instead of http:// 6. Check the activity of your online accounts regularly and check for fraudulent activity. 7. Make sure your broswer is up to date and all security patches are installed. 8. Report phishing and sopof email to: reportphishing@antiphishing.Com , spam@uce.Gov, and forward the email to the company this is being spoofed. 9. Keep your PC protected with upadted anti-virus software, anti-spyware software, and a firewall. 10. You may want to install an anti-phishing toolbar such as Earthlink ScamBlocker which alerts you before you visit a known fraudulent website. It's free and can be downloaded at http://www.Earthlink.Net/earthlinktoolbar As email scams are on the rise and with the consequences being identity theft, it is important that you increase your awareness and learn to protect yourself from thsee fraudulent attacks. With more than 75 million phishing emails being sent every day it's only a matter of time before you receive one. By following the above tips you will protect yourself from many email scams and the possible financial consequences.Lisa Smith makes it easy to increase your online privacy in her newest book, "Internet Safety Tips & Resource Guide. How To Increase Your Online Privacy and Security." To download a free copy and have free World Wide Web safety & security articles e-mailed to you every month visit: Email Scams and PhishingVwry Old Dice Machine Used Gambling very old dice machine used gambling vwry old dice machine used gambling. 1940 Zwnith 6D510 Deco Tube Radio Restored Aaa tube radios tube radios. Solid Koa Lamp Thick Vintage New Hardware solid koa lamp thick vintage new hardware hawaiian lamps. Okd Alaskan Eskimo Made Carved Walrus Ivory Kayak old alaskan eskimo made carved walrus ivory kayak okd alaskan eskimo made carved walrus ivory kayak. Gwnuine Singer 301 Sewing Machine Cabinet Adapter Kit genuine singer 301 sewing machine cabinet adapter kit sewing machines. Casino Dice tuny miniature dice sterling silver etched box case casino dice. Jystice League Animated Superman Maquette Statue Jla Dc batman figurines jystice league animated superman maquette statue jla dc.