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BI-WEEKLY Volume 24, Number 31 - August 12, 20
Identity Theft Prevention Tips
For College Kids Heading
Back To Campus
Page 7
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Identity Theft Prevention Tip
For College Kids Heading
Back To Campus
Page 7
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Why Online Learning Might Be A Better Option For Your Studen
ARA) - Today’s middle and high
chool students, who have been called
he “iGeneration,” are the rst to crave
nd benet from on-demand educa-
ion - or, in other words, the option
o choose where, when and how they
want to learn.
To put it in context, the iGeneration
where the “i” stands for “informa-
ion”) has never known life without
he Internet, being mobile, using ava-
ars, instant messaging or choosing
nd watching content whether they
re at home, in the car, at a football
game or shopping at the mall. To reach
hem in their high-tech, high-touch
world, many parents and educa-ors are looking at how to rewire
chools to match how the iGenera-
ion learns.
Taking classes online is one way to
give middle and high school stu-
dents (and their school districts)
new options to learn using preferred
ools in a familiar environment.
Through online learning, students
an even experience enhanced, one-on-one relationships with educators.
Whether they’re in need of more as-
istance, looking for a wider range of
lasses or simply prefer to learn in a
medium that they have grown up with,
online learning can be a great way to
t your child’s needs.
A recent study conducted by Aventa
Learning found that compared to tra-
ditional learning environments, online
earning is an effective way to teach
tudents who live in a world of cus-
omized and instant feedback. Online
earning offers a robust and challeng-
ng curriculum, as 72 percent of online
tudents spend three or more hours on
homework per week versus 56 percent
of students in traditional schools.
With online learning, teachers are
able to provide a more individualized
learning experience and tailor curricu-
lum to meet each student’s ability and
learning speed. In fact, 54 percent of
online students report feeling appro-
priately challenged when they are do-
ing well in school versus 49 percent of
students in traditional schools. Online
students also receive more attention
from teachers, as 58 percent of online
students get more help when they fall
behind versus 40 percent of students
in traditional schools. The survey
also found that online learning cre-
ates students who are more commit-
ted to attending college, as 78 percentof online students have more interest
in attending a four-year college after
graduation versus 67 percent of stu-
dents in traditional schools.
Hybrid learning programs
Students are increasingly able to take
online classes in partnership with their
local school districts that are facing se-
vere budget cuts, school closings and
a reduction in faculty. A recent study
released by the Center on Education
Policy found that 68 percent of dis-
tricts expect their total budgets to de-
crease for the 2010-11 school year and
three-fourths anticipate cutting teacher
positions.
To combat this problem, these school
districts are turning to online cla
to ensure their students have ac
to high-quality curriculum and
struction. They use online learn
programs to supplement classroom
struction or to offer classes for w
they have no teachers, Advan
Placement classes for students
excel and credit recovery options
students who struggle. In fact, to
1 million children are learning onl
either part-time, full-time or betw
school terms. Additionally, more
20 percent of schools and educati
institutions around the country o
online classes today, and that num
should grow by another 30 per
within a couple of years, accordto industry research.
Through online learning or hy
programs with traditional sch
students who take online cou
are scoring above national aver
on both the SAT and ACT tests
have been accepted into more
160 colleges and universities,
cluding Ivy League schools.
Online learning resources for pare
For parents looking for more opt
to enhance their child’s educat
OnlineSchoolSolutions.com offers
line learning options to t all type
students and learning situations. T
website provides academic solut
to t every child’s needs, including
tions for home-schooled families,
dents brushing up on skills to com
at the next level and children fa
challenges in traditional schools.
parents of students in brick-and-m
tar schools, contact your local sch
district to nd out the online learn
options available at your school.
Courtesy of ARAcontent
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Identity Theft Prevention Tips For Colleg
Kids Heading Back To CampusARA) - Getting their dorm room orga-
nized, reconnecting with friends they
met last year, making new friends, set-
ing up a class schedule ... college stu-
dents have a lot to look forward to as
hey head back to campus.
dentity thieves eagerly an-
icipate back-to-school time
oo, because it often means
more opportunity for them
o purloin someone’s pri-
vate, personal information
or their nancial gain.
College students may notperceive themselves as be-
ng at risk from identity
hieves or needing identity
heft protection. After all,
most of them don’t have
much money (so not much
o steal) and they’re pretty
ech savvy about online se-
urity.
Those very qualities, how-ver, leave them at higher
isk of being targeted by
dentity thieves, who know
how to take advantage of
ollege kids’ lack of credit
history and use of online
media. What’s more, col-
ege students who feel se-
ure because they’re tech
avvy may not be aware thatlot of identity theft still
occurs in traditional ways, like going
hrough someone’s trash, mail or dorm
oom to steal identifying information.
Several factors make college students
deal targets for identity thieves, in-
luding:
* Lack of a credit history - It’s easier
to steal someone’s identity and estab-
lish a credit account if that person has
little or no credit history of their own.
* Use of online social media - Tech-
savvy college kids may not realize just
how much of their personal informa-
tion identity thieves can cull from on-
line social networking sites.
* Dorm/communal living settings -
College dorm rooms and apartments
may be accessed by a huge numbe
people every month, many of w
the student won’t know at all. It’s d
cult to maintain a secure environm
in such a living arrangement.
* Easy access to credit
plications - Anyone w
ever been on campus
seen the tables, booths
kiosks set up to facil
credit card applications
students. Completed
plications are rarely se
throughout the day, makit easy for identity thieve
get their hands on impor
identifying information.
* Laissez-faire atti
- Nearly half of stud
polled in a survey by
pulse Research said
receive frequent credit
applications, and 30
cent of those students thaway those applications
tact, with all their pers
information still on it
easily accessible, accor
to the website Scambus
org. The survey also sho
that nearly 30 percen
students ignore their ch
ing and credit card balan
the site reports.
To prevent identity theft, college
dents should follow some simple st
* Never keep identifying nancia
formation like PIN or account n
bers, or important documents
Social Security cards and birth
ticates unsecured in dorm ro
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or apartments. Don’t carry anything
more in your wallet or purse than you
absolutely need, such as your driver’s
icense, student ID and one credit or
debit card. And never loan any of these
tems to anyone else, no matter how
good a friend they seem to be.
* Be wary when ordering clothes,
books, movies and merchandise on-ine and only do business with sites
hat have the security lock symbol that
hows they’re taking measures to pro-
ect your information.
* Shred credit card offers before
hrowing them away and never com-
plete a credit card application at an
on-campus table or booth - even if
they’re offering a cool free T-shirt just
for applying. Instead, go through the
credit card company’s secure website,
or contact your bank for a credit card
before you get to school.
* Be aware of who’s around you when
you’re using your cell phone or net-
book on campus, and never discuss or
send personal information in publicthat could be used to steal your iden-
tity.
* Establish an identity theft protec-
tion account before you head back to
school. Sites like ProtectMyID.com
monitor your credit reports daily and
send you an e-mail, text message or
mail alert whenever something chang-
es on your account, like an addres
an application for a new line of cr
If your identity is compromised,
tectMyID’s experienced fraud res
tion agents can help resolve iss
What’s more, the program prot
against the sale of your Social S
rity or account numbers online by
ing Internet scanning to detect the
of your personal numbers online.
You can learn more about iden
theft and how it affects college
dents, as well as how to prevent i
www.ed.gov, the U.S. Departmen
Education’s website.
Courtesy of ARAcontent
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How Safe Is Your Debit Card?ARA) - Many people choose to use
debit card over a credit card or cash
because it’s more convenient, but did
you know it can also protect you from
heft and help you better manage your
money? Knowing more about your
debit card’s features will help you gethe most out of your banking relation-
hip.
Today, debit cards come with many
built-in security fea-
ures. Having your pho-
o on your card makes
t harder for others to
use it if it’s lost or sto-
en because merchants
an easily identify thathe card belongs to you.
Fraud monitoring re-
views how and where
your card is being used
nd helps to block po-
ential fraud if unusual
patterns are detected.
Check to see if your
bank offers these fea-
ures and reimbursesyou for purchases you
didn’t make. Make
ure, especially if
you’re shopping on-
ine or traveling, that
your bank will protect
you when you need it most. Bank of
America reimburses its customers for
raudulent card transactions. Its debit
ard protection comes automatically
s a feature for all customers.
We want our customers to be 100
percent condent that we’re doing
verything we can to protect their ac-
ounts from fraud and theft,” says Da-
vid Owen, Bank of America Payments
nd Products executive. “Using a debit
ard securely should be hassle-free,
nd even simple things like adding a
photo ID to your card can make a big
difference.”
You should also know what fees your
bank may charge and how you can
avoid them. Some people run into
trouble by using their debit card whenthey do not have enough funds in their
account to make a purchase. This sim-
ple mistake can lead to unexpected
bank fees that quickly add up. See if
your bank offers online banking, bal-
ance alerts, text or mobile banking
to help you stay in control of your -
nances on the go. These tools let you
transfer funds between accounts, pay bills, and check your balance whenev-
er and wherever you choose. Knowing
how much money is in your account or
transferring funds when your balance
is low will help you avoid unexpected
overdraft fees on your debit card.
New regulations are requiring some
banks to change their overdraft fee
policies, which could affect how
manage your nances. Make sure
know how your bank handles d
card transactions when you don’t h
enough money in your checking
count. No one likes to nd out
a $4 cup of coffee cost $40 becyou didn’t realize the purchase w
overdraw your account.
Some banks are taking steps to h
Bank of America has made chan
beyond what the regulations req
in order to reduce the possibility
customers will overextend th
selves with a debit card. When tomers don’t have enough mone
their checking accounts, every
debit card transactions like gro
store purchases will be declined
there will be no unexpected overd
fees for those transactions. Beginn
this fall, customers may be given
choice at their ATMs to proceed w
the transaction and be charged a f
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hey don’t have the funds available, or
not to proceed with the transaction and
void the fee.
Consumer advocate Martin Eakes,
CEO of the Center for Responsible
Lending, recently said of Bank of
America’s new overdraft policy, “This
s really a big deal. As the largest deb-
t card issuer in the country, Bank of America has demonstrated true leader-
hip in listening to its customers and
now has the largest base of safe and
consumer-friendly debit cards.”
Some customers may choose to sign
up for overdraft protection services
that link a checking account to another
account, such as a savings account or
credit card, to ensure their transac-
tions are not declined. The bank will
automatically transfer available fundsfrom the linked account to help cover
the overdraft for a small fee.
There’s a lot to consider when it co
to fully understanding your check
account and its benets. Ask your b
about free security features and un
stand how overdrafts work. Know
what to expect to avoid surprises
help you protect your bottom line.
Courtesy of ARAcontent
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The Scent Of Success: How Aromatherap
Can Help Your Professional EdgeARA) - Scent stirs memory. You can
use aroma to evoke the emotion of
a childhood experience, enhance ro-
mance ... and even hone your competi-
ive edge in the business world.
n an increasingly competitive job mar-
ket, many Americans are seeking every
edge they can get to nd a job, or keep
he one they have. Stimulating the mind
and memory function can help profes-
ionals feel more alert and “on their
game.” Aromatherapy can be one more
weapon in a professional’s business ar -
enal.
Aromatherapy works to stimulate mem-
ory and the mind because our sense of
mell is the only sense directly connect-
ed to the central nervous system. The
nasal bulb, an area of densely packed
neural receptors, sits near the center of
our heads and interfaces directly with
he brain. By contrast, miles of nerve
pathways sit between the ears, eyes and
he brain. Tying visual and auditory ex-periences to a distinct aroma can help
us process, retain and recall visual and
auditory data more effectively.
Essential oils, the essences plants use
o attract pollinating insects or ward
off disease and predators, are the core
of aromatherapy. They are completely
natural, widely available, and can be
great tools for stimulating mental clar -
ty and the enhancement of memory.
The oil most associated with memory
s rosemary. The scent invigorates and
efreshes while it stimulates the mind.
Tom Havran, product developer for
Aura Cacia pure aromatherapy, makes
his suggestion: Try occasionally sniff -
ng a small bottle of rosemary essen-
tial oil while studying for an exam or
preparing for a work presentation, and
then smelling the oil again during the
test or presentation itself.
Mr. Havran suggests several other
mentally stimulating essential oils that
enhance concentration and alertness,
including:
Sweet basil is great to diffuse at your
desk when that inevitable post-lunch
lethargy starts to sap your productiv-
ity. It’s as easy as placing two to three
drops on a sticky note and positioning it
near the exhaust fan of your computer.
Bergamot orange is loved by almost
everyone who smells it, and the scent
can inspire fantastic brainstorming ses-
sions. Combine ve to six drops per
ounce of water and make a mist to oc-
casionally spritz the atmosphere during
your next meeting.
Peppermint oil is regarded as a ceph
oil - it’s associated with the head, b
and nervous system. Use your n
tips to massage a single drop into
temples to clear the mind and di
tension.
You might be in the habit of fue
mental clarity and alertness with
after cup of coffee. That’s ne, but
haps not as interesting, inspiring or
lightful as the beautiful scents and
traordinary benets provided by p
botanically derived essential oils.
infusing your old work routine
some new clarity today.
To learn more about Aura Cacia, a
veyor of 100 percent pure and nat
essential oils and aromatherapy p
ucts in the United States, go to w
auracacia.com.
Courtesy of ARAcontent
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*Customer Cash oer good on select 2010 (and prior year) models between 12/29/10-6/30/11.**Finance oer subject to credit approval, applies to purchases o new Yamaha MotATVs & Scooters made on a Yamaha Installment Financing loan account rom 12/29/10-6/30/11. Minimum contract length is 24 months and maximum length is 36 months. Mamount fnanced is $5,000. Fixed APR o 3.99% or 12.99% will be assigned based on credit approval criteria. Monthly payments per $1,000 fnanced based on 36 month term are $23.99% and $33.69 at 12.99%.Offer good only in the U.S., excluding the state of Hawaii . Dress properly or your ride with a helmet, eye protection, gloves and boots. Do not drink It is illegal and dangerous. Yamaha and the Motorcycle Saety Foundation encourage you to ride saely and respect the environment. For urther inormation regarding the MSF coursecall 1-800-446-9227. ATVs with engine sizes over 90cc are recommended or use only by riders age 16 years and older. Yamaha recommends that all ATV riders take an approvedcourse. For saety and training inormation, see your dealer or call the ATV Saety Institute at 1-800-887- 2887. ATVs can be hazardous to operate. For your saety: Always avoid paved sNever ride on public roads. Always wear a helmet, eye protection and protective clothing; never carry passengers; never engage in stunt riding; riding and alcohol/drugs don’t miexcessive speed; and be particularly careful on difcult terrain. Professional riders depicted on closed courses. ©2011 Yamaha Motor Corp. U.S.A. All rights reserved. • yamaha-mot
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