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Victims of identity theft
If you happen to fall victim to identity theft, there are some things you can do which include: Contact your credit bureaus and ask them to put a fraud alert on your accounts. Report the crime to the three companies that deal with credit fraud- Equifax, TransUnion and Experian. Placing a fraud alert will necessitate creditors to contact you before giving out credit. This is because your file will have been flagged. You may consider contacting the companies through a cell phone number. After placing a fraud alert on your accounts, request copies of your credit reports to monitor if you have been charged for what you actually purchased. Some of the tips that you should follow in order to minimize the risk of your identity being stolen include: Promptly collecting your mail in the mail box. Do not leave it overnight or during the weekends. Take a review of your consumer reports from time to time to ensure that they reflect your purchases during a period. Any unwanted documents that contain personal information should be shred and destroyed. Be cautious when giving out your personal information. Do not give out your personal details over the phone or the internet unless you are the one who started the conversation or the website uses SSL. Also, avoid carrying your birth certificate or social security number. Have them placed at a secure location. Memorizing your passwords. Do not write them on papers or on other materials that you carry along. Also, it is good not to have common facts about you like your birth date, middle name, etc as your password as one can easily find these out. Another caution is to ensure that you do not leave your receipts at the gas station or shopping mall after paying for the services. Make sure you immediately report any lost or stolen credit card. If you have fallen victim to a mail theft, report this immediately to the US Postal Inspection office in your area. If you are a victim of credit card fraud, call your credit card fraud office and request an “alert” to be placed on your credit card. Ask for copies of your credit card statements to check whether any purchase or account has been fraudulently opened under your name without your knowledge. Contact your creditors and bank in writing and by phone and report the fraud. If you are a victim, report the incident to the police department at once and the Federal Trade Commission (FTC).

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Small business credit crunch
When we look at the state of the economy as it sits right now, it is no wonder that the small business be suffering from the credit crunch. The small business owner is struggling top stay afloat at a time when the banks and lending institutions have instituted far stricter lending guidelines that need to be met in order to secure funds. This is making it increasingly more difficult for them to get money the need to pay for supplies and other such needs for there businesses to thrive. Statistics are showing that the small businesses across the country are showing that 2/3 of them have felt a negative impact as a direct result from the credit crunch. Small businesses need to be keeping more money aside for the future needs of their companies as they are almost certain to have difficulties in securing loans of any sort from banks or other lending institutions. Those businesses that do find one willing to lend them the money will most definitely be paying far more in interest than in the past. Statistics are showing that there is a 30% decrease in the number of loans that have been approved in the last 12 months. This is a huge hit for the small business owner. When they are unable to secure the funds that they need to keep things running they ultimately have no other option other than to close the doors. Once again this adds to the unemployment scenario and the cycle resumes once again. The small business credit crunch has seemed to have hit the young business person or the minority and female entrepreneur the hardest. They having not yet being an established business, lenders are far more leery of parting with money to these business owners. The best option for these owners is to save where they can early on in their business, but not in the area of advertising. That would most definitely be the most fatal thing that a person could do. Make sure that the advertising is the one thing that is maintained when it comes to cutbacks within the company. Every company needs advertising in order to succeed that is just rule of thumb. Small business are going to be put through a huge struggle through the time of the credit crunch, but as long as they think about the things they do and buy on a daily basis they can stay viable. It may take a lot of work but it can be done. All it takes is some hard work and determination.

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The effects of climate change on tourism in recent years
Tourism is a big part of many states income; many countries really depend and need the money that they generate. And the effects of climate change on tourism in recent years has been limited. This does not in any way mean that there is nobody going on vacations, but people are now watching the news to see the weather and the area’s that have had many tropical storms and hurricanes are understandably being avoided. The effects of climate change on tourism in recent years is not as dramatic as it is going to be in the coming years. We haven’t seen anything yet compared to what it will be like and every year is getting worse because the heat is continuing to rise at alarming rates. This can be damaging to the high tourist area’s around the world, so what will happen to Europe and Italy that depend greatly on tourism will they crumble financially. It’s a scary thought that is a real concern. The weather isn’t going to get better it’s only predicted to get worse, and this is apparent when you hear about the increase of tropical storms and the intensity that has never been experienced before. Who would want to take those risks when there are many places that you can take your vacation to that will not risk your life or put you directly in front of danger unnecessarily? I know that I don’t, and I can guarantee that many people don’t either. The effects of climate change on tourism in recent years is not so dramatic but it definitely is not what it used to be, and certain countries and area’s are feeling the grunt of it, and the fact that the economy has really gone down doesn’t help tourism either. Just think about how many areas will be greatly affected when the winters become warmer and shorter. The ski resorts will be hit hard. Let’s not forget that the waters are expected to evaporate into the air because of the heat, beaches and the hotels around them will experience empty rooms day after day. These are not imaginary thoughts it can and may very well be in our future. Of course that is not the problems that we are currently facing, and it may not be something that many of us will see in our lifetime. But this is a reality for the future or tourism. The effects of climate change on tourism in recent years is lower than it was as I mentioned above, but plan on things getting worse for specific countries over the next few years.

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