3 of the Most Common Types of Consumer Fraud

3 of the Most Common Types of Consumer Fraud

Every year, millions of individuals in the US fall prey toscammers taking their money and other personal assets. They pretend to be legitimate sellers or charitable organizations, using cunning methods thatdupe unsuspecting victims easily.

To protect yourself from these schemes, be mindful and wary of who you’re transacting with. Listed are 3 of the most common types of consumer fraud and tips for avoiding them to help you out.

Identity Theft

If a scammer tries to obtain someone’s name, Social Security number, and other personal details, they’re committing identity theft. This frequent case of consumer fraud is performed to make various transactions using the victim’s identity. The criminal can open a new bank account with the information stolen and purchase severalitems on credit. As a result, the affected individual is faced with a hefty loan. And, their financial records and creditworthiness are tarnished.

Keeping your personal data secure is the key to avoid identity theft. If you receive a suspicious email or phone call pressuring you to share your info through alluring one-time deals and other similar sales tactics, don’t give in. Ignore the message or cut the line immediately.

Another tip is to protect thepasswords and pin codes of your accounts and gadgets. Don’t save them in apps, notepads, hard drives, and other storage devices. Change them every month, too, for extra precaution.

Fake Charities

When thieves don’t use sales tactics, they may appeal to your pity. They take advantage of situations like natural disasters and pose as non-profitsand other charitable organizations. They tap into your generosity and goodwill, urging you to offer donations for a “good cause.”

A typical sign that the charity is fake is they ask you to transfer the amount through means that can’t be easily traced like cash and gift cards. They may also make you feel guilty or selfish if you refuse to give your money.

If you’re still unsure about their authenticity, there are several watchdog websites online that register actual charity organizations. The list should show the name of the group reaching out to you; otherwise, they’re most likely a con artist. You may also do further research on their background and history to confirm their legitimacy.

Home Title Fraud

While most criminals rob money from consumers, some try to acquire other assets they have like their houses. This type of scam called home title fraud typically stems from identity theft; the trickster uses the victim’s personal data to revoke their ownership of their property. This can happen so subtly that the affected individual may just be surprised to find out their estateisn’t listed under their name anymore.

People with second homes or real estate investment properties are often the targets of these scammers. When they’ve been victimized, they stop receiving the past-due notices and tax bills for these residences.

Like preventive measures against identity theft, your personal data should always be kept private. Don’t share your name, personal ID numbers, addresses, and phone numbers to organizations you haven’t verified yet. Also, monitor your house information with your county’s deed office. You may get help from third-party services for title fraud prevention, too.

Couple Therapy Helps in Building Strong and Stable Relation Among Married Couples

When couples are habituated to drugs or alcohol, the entire family is affected. There is an increase in consumption by both parties as no one is there to stop. Also, couples fight when one of them consumes more. Addiction increases when both can tolerate each other’s living style.

Couples who’re addicted are extremely destructive. Thus, rehabs for couples also have a critical process. Couple therapy or counseling is not only for spouses where both parties are addicted. It can also be a fight for the loved one. While managing addiction, maintaining a relationship is also difficult. Thus, couple therapy helps in building a strong relationship as well as treating addiction.

Survey says maximum divorces are because of physical abuse due to addiction. It is difficult to have a healthy bond with a spouse who’s not only addicted but also abuses because of addiction. Drug or alcohol addicts are often irate and frustrated with life. They will always stay in a shell and will aloof themselves from society. Hence, living with such a person for entire life is difficult.

Addiction or substance use causes harm not only to an individual but to the complete family. Couples who’re targeted due to addiction often experience –

  • Problems in a sexual relationship
  • Lack of communication
  • Increase in physical violence and verbal abuse
  • Abusing children or minor group
  • Financial losses
  • Misbehavior conduct like stealing, cheating, lying.

These problems keep increasing with time when addiction increases. When one or both parties seek the help of rehabilitation, then the treated person gets the courage to help others. Even those who want their loved one to come back on track can accompany them to couple rehab and support them with treatment.

Couples drug rehab located in San Diego, California has been helping many pairs to lead a quality life together. They believe that when a person is addicted to alcohol or drugs, then healing together as a couple is more effective and builds a strong relationship. At Couples Rehab, single or both partners, suffering from addiction are treated with the finest quality of therapy. For busy people, they provide outpatient treatment and for inpatient, there are 30, 60 or 90 days of treatment programs.

Many couples get offended after they’re suggested to visit a couple of rehabs. However, couple rehab helps in solving even challenging issues –

  • Couple therapy not only treats the patient but also gives support to the non-addicted partner.
  • Couple therapy helps in working on codependent behavior where the addict isn’t supported.
  • Therapy also helps in solving problems among couples which was unsolved due to lack of communication.
  • Long term therapy helps in stable relationships among couples and other family members.
  • Couple therapy helps in reducing the inconvenience in relationships and thereby reducing the number of divorce rates.

Many people think that sending the addict to rehab solves all problems. However, to their surprise, the fights, arguments, and abuse remain the same even after the addict returns fully treated. This is because the trust and honesty between the couple have faded. To retain back the same stable relation, couple therapy is built.

Couple therapy has shown better improvement than a single treatment. It helps in reducing domestic violence, financial losses, emotional problems, and children’s trauma. It is an effective plan to prevent relapse of abuse and addiction.

4 Benefits of Web Hosting

With how everything is online these days, businesses do their best to keep up. If you’re an entrepreneur or a manager yourself, one of the best things you can do is to set up a website. The only question is, “how?”

For this, going for a web hosting service is the answer you’re looking for. Not only do they help you build your company’s own website, but they also give you the right tools so you can easily manage it.

Interested to learn more about what else web hosting can do? The following are some benefits of going with their professional service.

Personal Domain

Simply put, a domain is your website. It’s where your clients access your business and the platform for you to showcase your products, services, and information.

Having your company name as yourdomain is a good foundation for your business’ online identity. Plus, since email hosting is usually included, you’d also have a custom email address for you and the members of your organization. This way, your clients and potential customers will recognize your brand even before they click on anything.

Tech Support

While web hosting services will offer easy-to-use tools, that doesn’t mean they won’t help you out when you encounter technical difficulties. In fact, it’s quite the opposite. They would even encourage you to reach out to their customer hotline so they can provide you with tech support. Their assistance ranges from fixing minor glitches to restarting your website in the case of a shutdown.

Online Security

If there’s one issue with the internet, it’s that there are viruses and hackers. Web hosting services provide online security so their clients can fully enjoy their new website, without worrying about breaches.

Some security measures include:

  • Antivirus programs
  • Security audits
  • Spam filters
  • OS updating
  • Data encryption
  • Authentication system
  • Intrusion detection system

Professional Design

Setting up a website with a hosting company will let you have a professional-looking page. You’d get access to templates, banners, and other design options that will help you create your ideal aesthetic.

Most hosting companies also offer professional designing options. This way, you have a full say on whatever you want to show up. Plus, these webpage design experts know where to put your logo, services, and products for the most optimal visitor experience.

These are the benefits of creating your website with the help of a professional hosting service. To learn more about them, or for your personal business email hosting, talking with a representative is your best bet.

3 Different Cooling Systems and Their Working

The process of cooling can be defined as thermal energy transfer from one medium to another medium. Cooling is very critical requirement in various industrial applications, in order to ensure that any process may not cause the product or equipment to overheat.

Water is used in many cooling applications as a medium for absorbing heat, as water has high boiling point as well as specific heat.

Cooling water treatment can be done in many different ways but the 3 basic types are presented in this article to show how cooling water can be used in each of the system.

  • Once-through cooling system

Here in this cooling system, from certain nearby water source, water will be pumped, and will pass through the system only once for absorbing the process heat.

Thereafter it is discharged back into its original source from where water was drawn like well, river, lake or even ocean.

This is very common design where low-cost water of large volumes is available. Besides that, such systems are used for following conditions:

  1. When demand for cooling is usually from low to moderate
  2. When the processes are not very critical
  3. When there is sufficient room available to accommodate large sized equipment and also high quantity of water.

The drawback of this once-through cooling system is susceptibility to various disturbance by different stochastic water events like flooding.

Besides that, these systems are nowadays phased out because of concerns about quality of water and their conservation.

  • Closed recirculating system

This kind of closed recirculating systems is also known as dry cooling towers, where heat absorbed by cooling water will either be transferred to any second coolant, or it will be released into the open atmosphere.

This is also called as dry cooling tower because the water will never be exposed to open air in the atmosphere, and because of this only very little amount of water will be lost.

A very good example of such closed cooling system can be an automobile engine. Here evaporation will not be used and instead, cool air will rush over few series of smaller tubes that contains circulating coolant.

Here heat will be transferred from all the hot liquid that is inside tubes to cool air, which will result into cooling. Finally, the coolant will be returned back into engine.

  • Open recirculating system

This kind of open recirculating type of cooling systems is also known as wet cooling towers or evaporative cooling tower and these are very widely used types of designs in the industry.

We saw in the above closed recirculating system the same water of the open system is used here over and over.

The most visible feature of this system is the very big outdoor cooling tower which uses evaporation for releasing heat from cooling water.

Because of this mechanism only, this kind of cooling tower has also been given a name of evaporative cooling tower.

There are is 3 main equipment in this kind of system which as follows:

  1. Recirculating water pump(s),
  2. Heat exchanger(s)
  3. The cooling towers.

Can CBD Help Alleviate Sciatica Pain?

If you are suffering from the painful Sciatica or you have seen, known or been with someone who suffers from sciatica, then you definitely know what I am talking about. The amount of pain that the sufferers go through and how unbearable it can get.

For others, all I have to say is that it will just make you realize how lucky and blessed you really are. You can never imagine the pain that an irritated or a disturbed sciatic never can cause.

Sciatica pain

The sciatic nerve runs throughout the feet and starts at the hip region of the human body, from the base of your spine to be accurate.  The area that could get affected due to a sciatic nerve inflammation is large.

Sciatica could cause excruciating pain in your hip, back, legs, feet and even toes and the pain can last for weeks before your treatment can show its effect on your body or before the treatment could start working for you.

 Sciatica medical treatment

There had been traditional treatments for Sciatica. It involves pharmaceutical drugs and medicines to treat Sciatica symptoms. The main areas that a conventional treatment concentrate on are –

  • Anti-inflammatory
  • Anti-spasmodic
  • Muscle-relaxants
  • Opioids
  • Anti-depressant

However, in this article, let us look at some alternatives to the conventional pharmaceutical treatment like using CBD edibles, CBD oils and tincture and vaping CBD etc., for pain relief. There are other alternatives like physiotherapy, regular stretching exercises and other exercise to relieve stress.

There are online shops such as the website of JUSTCBD, that has numerous CBD products listed on it. The Sciatica patients can shop for them from the comfort of their home. These CBD products are directly delivered at their door steps, neatly packed and discreetly.

Natural and alternative pain relief methods

Apart from the conventional medical treatment that involved prescription drugs, and in rare cases minor surgeries or laser invasive treatment, there are many natural remedies and non-traditional medicinal practices for healing the Sciatica and the pain thus caused.

  • There are a few yoga poses and techniques which when done at a regular interval can heal the sciatica pain
  • Mild to moderate pain can be handled by the usual stretching exercises done every morning.
  • Reiki and other such touch based spiritual healing can help patients with sciatica pain.
  • Hypnosis can help in reducing pain by interrupting the message transmission of pain.
  • Using CBD infused oils tincture etc., can also relieve pain.

CBD dosage

While it is always important to consult your physician while contemplating any alternative medical practice and before deciding on whether or not to take CBD for treating pain.

When you start, it is always good to start from a very low dosage. Take less than half of the recommended daily dose of 40 mg of CBD for humans. Gradually increase the quality until you reach and not exceeding the maximum permitted daily dosage.

Lastly, whichever form of CBD you choose, make it a consistent practice to see better results.

Latest Advancements in Solar Technology

For years, traditional photovoltaic (PV) panels have dominated the market. Monocrystalline solar module prices are often asked by homeowners who want a system installed. Today, there are some innovations that may change the way people think aboutnot just the device but also energy production in general. Continue reading to learn more.

Building-Integrated Solar Technology

Building-integrated photovoltaics (BIPV) are dual-purpose. Besides serving their original purpose of generating electrical energy, they can also be an alternative to standard glass materials. This enables homeowners to save both on building resources and utility bills expenses.

As the name suggests, BIPVs seamlessly blend into the house’s architecture in the form of skylights. Glass windows can be replaced with such systems, allowing natural light in while generating energy simultaneously. They also serve as a substitute for traditional roofing materials or the housetop itself. Some manufacturers even offer solar shingles in place of typical slates.

Solar Skin

In the past years, more families are having experts install PV systems into their housetops. But, most of them are put off bythe equipment’s aesthetics. To solve this, a company launched a product that’s meant to blend in, called “Solar Skin.”

Solar Skin is a new photovoltaic technology that integrates custom designs into the panels. It’s similar to the ad wraps displayed on buses and taxicabs. This lets homeowners match the PV system to their lush lawns or shingle roofs. Manufacturers want nothing to be compromised, whether it’s a stylish housetop or a sustainable future.

Floating Solar Farms

According to researchers, PV panels placed on dams, reservoirs, and bodies of water offer many benefits. They call these systems floatovoltaics and were first installed at a winery in Napa Valley in California.

These floating solar farms can generate a big amount of electricity without using valuable real estate. Their installation costs are less than land-based PV panels. Research also showed that their power production is greater by up to 10% because of the cooling effect of liquids. Floatovoltaics reduce evaporation as they limit air circulation and block sunlight from hitting the surface. They prevent algae growth, which lowers treatment expenses.

Solar Fabric

These days, solar power can be generated closer to where it’s needed. This can mean a house with its own system or a clothing item that features PV panels. Experts have collaborated with fashion designers to make sunlight-powered bags and jackets. For them, every person with a mobile phone is a potential client.

For now, they’ve developed flexible PV panels laminated on top of fabrics. They’re currently working on textiles with solar power in every fiber. These filaments will be embedded into shirts, coats, and other clothing to keep people warm during winter and chargetheir phones while they’re on the go.

Photovoltaic technology has come a long way from traditional ground-mounted systems with a monocrystalline solar module. Thanks to all the experts working for a more sustainable and eco-friendly future, solar panels are becoming lighter and more flexible that they can be applicable everywhere.

The Evolution of the Feather Flag

Custom feather flags are everywhere. Almost every business has them outside their shop, and they’ve been used in festivals and exhibitions for some time. But, have you ever stopped to think about their origin – where they came from, who invented them, and how they became one of the most popular advertising media?

The idea of mounting flags on metal or bamboo rods isn’t new. People have been doing it for a long time for several reasons, but it was mainly done to make emblems and communication signals visible from afar. It wasn’t used as an advertising material until 35 years ago with the kite flying community. Read on to learn more about them.

The First Feather Flags

From the late 70s to the early 80s, kite festivals were popular in Asia, particularly in Singapore, Bali, and China. They were unlike those in the U.S. in a sense that they kept much of their religious significance. Many of themheld such events to deliver prayers to gods using kites as their medium.

Theirvenueswere also designed according to tradition, with religious items such as the umbul umbul used as decoration. They have a long strip of cloth attached to a single bamboo pole and were the first feather flags ever known. The Bahasa word roughly translates to “banners.”

Feather Flag Designers

The umbul umbul inspired many kite makers of the 80s to produce banners of the same construction. One particular designer, George Peters, createdsome using strips of ripstop nylon mounted on bamboo poles. They had a long trailing edge, which made them look like feather-shaped flags, and so people started calling them as such.

The more popular form of the flag came much later, thanks to another respected designer named Martin Lester. He createdit with an angular tip and a straight, trailing edge, supported by a fishing rod whip. Its fly was made of ripstop nylon embellished with appliquéd graphics. This style of construction was the first to be used for outdoor advertising, at the Bristol Kite Festival of 1993.

The Feather Flag Explosion

The exponential use of feather flags as an advertising material started at the turn of the 21st century. The year 2000 came with more efficient technologies, allowing the textile and sign-making industry to create affordable quality products at a faster pace. Some examples include digital appliqué, heat transferring, and large-scale dye-sublimation printing.

These signs have come a long way since the kite festival of 1984, and they can now be made into different shapes, colors, and sizes. You can even request a custom flag to represent your business. It’s great for events such as conventions and exhibitions as it’ll surely make your booth stand out.

CBD Oil – Finest Way of Treating Various Ailments with Few Drops

Cannabidiol is known by everyone since it is from the marijuana group. Initially, cannabis and hemp plant were banned in medical industry. However, after lot of research and tests, it was proved that CBD also has medicinal benefit and can give extreme relief to certain kinds of patients. FDA finally approved this drug in certain cities.

CBD oil extracted from cannabis plant is used as tincture, available in different flavors. To give better effect this compound is mixed vitamins, mineral and other compounds from plant. Some products made this oil also contain THC. THC is known for containing psychoactive property that makes a person high until the compound is mixed in blood.

Every cannabidiol oil bottle contains a dropper in it. It helps in measuring the amount to be taken in a day. This oil is can be used in your daily life in beverages, food, vape, etc. CBD Marketplace provides a wide collection of CBD products. You can avail any form of CBD as long as you know the amount and dosage to be consumed in a day. Their product goes on shelf after getting approved by quality department. If you don’t like their product, you can return in 30 days and they’ll refund our money.

cbd oil

Here are some benefits of cannabidiol oil –

  • CBD helps in getting rid of pain relief. Those suffering with sclerosis and pain after chemotherapy have shown positive result after using or inducing it.
  • CBD is said to contain anti-seizure property that helps children suffering with neurological disorder like epilepsy. Only pure type of CBD is utilized in making medicines.
  • Survey says major population of US suffers from anxiety and depression. Cannabis extracted oil without THC helps in treating problems like OTSD, anxiety, depression, OCD, panic attacks, etc.
  • Cannabidiol oil contains neuroprotective and antioxidant properties which prevents the chances of neurological damage in humans. This means oxidative stress caused by free radicals in human body can be reduced by neutralizing it.
  •  Heart-related problems are quite common in US, which is majorly due to bad cholesterol and obesity. With nutritional diet and lifestyle, people can also add CBD because it prevents fluctuation in blood pressure, blockage in artery, bad cholesterol, and stressful cardiovascular response.
  • CBD contains anti-bacterial property which helps in killing bacteria like superbug and tuberculosis.
  • CBD helps in fighting diabetes type1 and type2. It eases inflammation in pancreas which causes diabetes.
  • CBD Isolate which is the purest form of CBD that contains no THC compound is good for patients suffering with mental illness like Schizophrenia. CBD helps in controlling hallucinations and treats psychosis.
  • CBD tinctures also help in treating skin problems like eczema by killing abnormal skin cells. It also helps in reducing acne, and vitamin E in cannabidiol helps in nourishing and protecting skin.
  • CBD helps in getting rid of addictions of smoke, nicotine, cocaine, tobacco and opioid. Research shows that smoke addicted people got rid of nicotine after inhaling CBD.
  • CBD gives tremendous relief from after-effects of chemotherapy and radioactive therapy. Since CBD fights against oxidation and inflammation, therefore, it controls the growth and s[read of cancer cells.
  • It prevents the deficit of social recognition among patients that suffer with Alzheimer’s. It reduces the raid growth of this disease.

Even pets can befit from CBD. It can help them with –

  • Extreme crying or barking
  • Mixing with other pets
  • Relief from pain
  • Relaxing pets before long trip
  • Appetite loss
  • Anxiety

However, with pets, you cannot gamble with dosage. It has to be recommended by their vet.

CBD can be taken in different forms as long as you know proper dosage. You can prepare edible at home to avoid its nasty flavor. CBD definitely is from the marijuana family, but it is used as medicine.

Easy and Delicious Shrimp Recipes

Shrimp is already delicious on its own. But, using shrimp as part of a meal makes for something infinitely better. Here are two easy shrimp recipes.

Shrimp Fried Rice

This shrimp fried rice recipe can be made using a single skillet. For this recipe, chilled leftover rice is recommended. Fresh rice can be more difficult to work with as the rice may stick together in clumps or become mushy. Add two tablespoons of vegetable or canola oil to a pan and turn the heat up to medium-high. Once the oil is heated, add one pound of raw, thawed shrimp. Cook the shrimp until it’s cooked through. Remove shrimp from pan and set aside, leaving as much of the oil and cooking juices behind as possible. Add one cup of vegetables. A variety of vegetables can be used in fried rice, depending on personal preference. Carrots, peas, broccoli, green beans, red pepper, onion, and mushrooms are all delicious in fried rice. Cook veggies until softened, then set aside with shrimp. Add four cups of rice to the skillet, adding another tablespoon of oil beforehand if necessary. Spread rice evenly over the pan and let cook without stirring for two minutes. Turn the rice over and repeat this step. The rice should have some color to it. Then, make a well in the center of the rice and pour 3 large beaten eggs into the well. Stir quickly to scramble, then stir into the rice. Make a new well and add the shrimp and veggies back into the pan. Leave in well until heated, then stir to mix it with the rice and eggs. Add half a teaspoon of white pepper and a tablespoon of soy sauce, using less or more to taste. Mix seasonings thoroughly. Serve.

Shrimp Alfredo

To make this quick and easy shrimp alfredo, begin by preheating the oven to 450˚F.  Place twelve ounces of frozen popcorn shrimp on a baking sheet, making sure none are touching. Bake for ten to eleven minutes. Turn the shrimp after five minutes. Cook half a pound of fettuccine according to the directions on its package. If using fresh broccoli for this dish, add two cups’ worth to the pasta during its last two minutes of cooking. If using frozen broccoli, follow the directions on a one-pound package of broccoli and then set aside to add later. In a saucepan, combine four ounces of cream cheese cut into pieces and one-fourth of a cup each of grated parmesan and butter, and a quarter teaspoon of salt. Mix until everything is melted and evenly blended. Drain the pasta, then add the sauce. Add the shrimp and the broccoli is frozen is being used. Stir until the sauce has coated the other ingredients evenly. Serve.

These two easy shrimp recipes are perfect for simple yet delicious dinners for any occasion.

How Continuing Education Can Change Your Life

There are many different ways that an individual can improve and make themselves better. Things like taking a class, earning a certification, attending a seminar, and listening to a webinar can all have dramatic effects on an individual’s personal and professional life. Whether you’re taking a class to improve your chances of getting a job, to increase the possibility of getting a raise, or for entirely different reasons altogether, one way that many people have had success is through courses offering continuing education in a wide variety of different topics. Continuing education (CE) has become especially popular and useful for those in the medical field, as continuing medical education (CME) gives those in the field chances to increase their salaries, help more people, and be a better asset in their place of employment. Whether it’s related to HIV cme or antiretroviral cme, continuing education has become a fantastic resource for many individuals. This article will look at how continuing education will change your personal and professional life.


Regardless of if you’re going to school for antiretroviral ce or to earn an extra degree in marketing, getting an extra bit of continuing education can do wonders for the future. One area where this additional education or training will help you is within your career and the salary you receive each year. Those with extra training, education, certifications, or experience will often command a much higher salary than those without the important experience and training necessary to be a bigger daily asset to their employers. Look at sites like Glassdoor.com to see what people in your area are getting paid each year and what type of training or certifications they’ve received.


Those with better training and certifications will often be in the lead for promotions and other forms of job advancement. In many cases, this is simply because management trusts the expertise of these individuals more and feel they can be called upon to take on more responsibility. If nothing else, this extra education and training can show your employer that you’re committed to being the best you can be, which won’t go unnoticed, especially when it’s time for people to advance up the ranks.

Being an Asset

Many times, people will be considered a better asset to their employers and managers than others. These individuals usually have the best positions, the highest salaries, and the most trust in the company. It’s important to distance yourself from the pack, and hard work as well as additional training or education is one of the best ways to do this.

There are many different ways that continuing education can improve both your personal and professional life. Regardless of if it involves antiretroviral cme or an extra certification in personal training, continuing education and training can increase your salary, put you in the front of the line for promotions, and make you a greater asset for your employers. Look online for some resources that will allow you to get this education and training so you can move up in life and work.