8 Steps That Can Help You Protect Your Personal Identity And Financial Information From FraudWritten by Jay Fran
Financial fraud and identity fraud are one of fasted growing forms of fraud. The first line of defense to protecting yourself begins with you. Here are some steps you can take to help you protect and fight against financial and identity fraud.
1. Review and Protect Your Information - The first line of defense in financial fraud is to periodically check your credit report to ensure all your information is accurate. Remember there are three credit agencies (Equifax, TransUnion, Experian) which all operate independently. Make sure you check your credit report from all three because they may each have different information.
2. Social Security Number – Keep your social security number in a safe place with other financial documents. DO NOT carry your social security card in your wallet and remember to shred your old social security statements. It is also recommended to not store your social security number on your computer as hackers may have access to it. Never print your social security number on your checks, credit card or drivers licenses.
3. Destroy Credit Card Mail Offers and Old Financial Documents -If you receive direct or pre-approved solicitations in mail for new credit cards and do not use them make sure you shred or tear them up before throwing them away. In addition, shred all financial papers including cancelled checks, old bank account statements, or any document with your identity.
4. Watch Out For E-mail or Telephone Fraudsters - Never give your personal or financial information out on internet or phone unless you initiated contact. This is especially true with giving out your social security or credit card number. Watch out for e-mails from fraudsters that state they need your account information or credit card number to update your account with your bank or an online company like e-bay. Never give out personal information over e-mail! Many times these e-mails will have links for you to click on that take you to a website that looks authentic. However more times than not, it is a scam to get your personal and financial information.
Skilled Nursing Homes - What Are They?Written by Alex Jensen
A skilled nursing home is a medical facility providing services similar to a hospital. The homes are staffed with licensed nurses, shared rooms, hospital beds, regular scheduled doctor rounds, meals and housekeeping. Skilled nursing homes often provide a more pleasant setting with optimal nurse to patient ratios and relaxed atmospheres.
Skilled nursing homes provide both long-term and short-term care solutions for seniors. Unlike Assisted Living or Board and Care homes, skilled nursing homes provide solutions for patients with complex medical issues that require 24-hour supervision. These issues can include mental issues such as dementia and physical issues such as major infections, wound care, IV therapy, tube feeding and physical/occupational therapy. Skilled nursing facilities are also a common solution for seniors that are unable to care for themselves on daily basis such as those suffering from Alzheimer’s and Parkinson’s disease.
A skilled nursing home typically provides a team approach when providing medical care to patients. A licensed individual, usually called “administrator”, oversees departments comprising skilled nursing home. A licensed Director of Nursing [“D.O.N.”] is then responsible for administration of each department providing care to residents. Each D.O.N. is directly involved in medical care of each patient. Their duties include overseeing nurses, interacting with physicians and resolving any patient-related issues. In essence, D.O.N. is person overseeing day-to-day medical care of patient.