More ATM Tips To Protect Yourself From ATM Scams

How To Protect Yourself From ATM Scams

Ever since I wrote Beware of No Name ATMs, this article has become very popular and I have been contemplating writing on this subject more. Today, I will discuss some more tips you can use to protect yourself from con artists – whether you are in a low-crime country like Canada or travelling in a high-crime foreign country.

Be Always on Alert

While using an ATM machine, always use extra caution and be on alert. If someone bumps into you or tries to talk to you while you are in the middle of a transaction, you need to be careful. Scammers use various techniques to distract you and get away with your bank card – which might be still inside the ATM machine. Let’s look at these scenarios:

Scenario One – Someone Bumps Into You: Con Artist 1 bumps into you and leaves the spot right away. Con Artist 2 appears on the scene and tells you that Con Artist 1 got away with your bank card. Naturally, you will panic and try to pursue Con Artist 1 to recover your card. This is exactly what the Con Artists are hoping for. Your card is still in the machine and once you start chasing Con Artist 1, Con Artist 2 will withdraw all your money easily as you already inputted your password on the machine.

In the above situation, you should remain calm and take out your card from the machine first before chasing anyone. Whenever someone tries to distract you, make sure you have your bank card first before doing anything else.

Scenario Two – Your Card Gets Stuck Inside The ATM: If your card get stuck inside an ATM and a stranger walks up to help you, be very careful. This Con Artist may have tampered with the ATM to make your card get stuck and watched you with a video camera to get your pin. Once you leave the spot to make a phone call to your bank, the Con Artist will withdraw your money as the card is still inside the machine and your password is known to him/her.

Con Artists can play the same game a little differently. Once your card is trapped, a nice person shows up and tries to help you recover your card. He may even give you a few tips to get your card out while entering your PIN. Once you can’t get it out and leave the scene, he will withdraw your money as he has already seen you entering your password.

In a situation like the one above, never accept help from any strangers. Before using any ATM, always make sure the machine is not tampered with in any way. Look for any residue in the card slot, any unusual signs asking to use a different slot or asking you to re-enter your password several times, or anything that does not make sense. If your card gets stuck, try not to leave the machine and call from your cell phone to cancel your card. However, this may not always be possible. Use some common sense-let it be your guideline.

Here is a tip:

Save all the bank and credit card (those you carry) companies’ phone number on your cell phone. This is a very simple thing to do, but regrettably most of us never do it. If you have your bank card provider’s phone number on your cell phone, in the above example, you can just notify them without leaving the ATM machine.

How to Wake Up in the Morning

Wake Up and Feel Fresh In The Morning

To streamline and minimize blog maintenance, I will be discontinuing maintaining the Simplepersonaldevelopment.com website (however, I will still hold the domain). I will gradually move all articles from this site to Ahmed Dawn Dot Com. This article originally published on the above website on Oct 10, 2011

In this article I am not going to talk about how to sleep enough to wake up naturally without an alarm clock. Nor will I talk about how to make waking up a regular habit so you don’t need an alarm clock anymore. While I don’t disagree that it may be beneficial and a good habit to wake up at the same time daily, it may not be a realistic option to wake up at the same time for everyone due to various work-life circumstances. I am not in the position to afford the luxury of waking up at a pre-set time daily due to my lifestyle – and I am dependant on alarm clocks to meet my lifestyle demands. Today, I am going to discuss how to wake up in the morning effectively without causing too much stress and strain on your health.

Keep Your Alarm Clock Out of Reach – Do not keep your alarm clock too close. If you do, chances are you will stop your alarm clock and go back to sleep without knowing. When you wake up in the morning, your mind is not fully conscious yet, and even without realising you will go back to sleep again. Don’t keep it too close and not too far either. It should be placed somewhere that requires you to get up and move from your sleeping position to get it.

Use Gentle Alarm Tone – Do not use a harsh or too loud alarm tone. Use a gentle tone that makes you happy or gives you positive vibrations when you hear it. An alarm tone is the first thing you are starting your day with. If this is harsh and annoying, it’s bound the set you off for the whole day.

Don’t Rush Out of Bed – Once you are up and awake, don’t jump out of bed or rush to leave the bed. Take a deep breath in and out a few times, slowly sit up, and then slowly walk to the washroom.

Splash Cold Water – Splash some cold water (not too cold either) on your face, it will invigorate your senses and will make you happy and fully awake. Don’t forget to drink a glass of water.

Take an Invigorating Shower – Taking a shower works perfect for me to make me cheerful and get ready for the day. However, if I plan to work out or need to do some cleaning, I skip my shower right after waking up.

There are some specific things that work for specific people. The art is to find out what works for you and perform those to make your day more productive and a joyous one.

Questions To Ask Yourself Before Getting A Mortgage

Easy Ways to Get a Good Mortgage Deal

First Published Date : July 26, 2009 ADawnJournal.com

Finding the right mortgage is something that is becoming increasingly important for property buyers in a world which is more unforgiving than it ever has been towards bad debtors. As far as getting the mortgage you want is concerned, it is vital to ask yourself some questions be sure that you are giving realistic answers. The most important questions are as follows:

 

– How much can I realistically afford to pay, per month, to my mortgage?

– How long can the amortization on the mortgage be – how much longer will I have the ability to make these payments?

– Do I have options if I lose my job/fall ill? Will insurance cover the payments, or can someone else meet them for me?

The above are the instant questions which require immediate answers before you can in all good conscience move forward with a mortgage application on a property. If, at any given time during the process, the answers do not line up for you, you will need to put your application on the back burner. As the questions above are sequenced, so your priorities must also be. Before anything else is taken into account, you have to be sure you can make the monthly payments. This requires sitting down, working out what you have coming in and going out every month, and seeing what you can save if you need to.

The above can be done manually, or equally it can easily be done online with one of the vast range of online mortgage calculators. These are generally extremely simple websites which have a series of boxes to fill in, allowing you to break down your income and expenditure. The more advanced online mortgage calculators will be attached to comparison sites which will take your details and show you which lender has the best mortgage for you. A few words of advice regarding their use, though – using one mortgage calculator and comparison site will leave you with one view on the matter, so it is better to use two or three to ensure that you are happy with the accuracy of the information. Additionally, be as honest and as realistic as you can with the figures you enter. Different lenders will give the best deals to different borrowers, and a lie or a miscalculation could set you back considerably.

One thing you should always keep in mind is that although the many online resources for mortgage borrowers can be extremely helpful, not all are 100% independent. It is more than possible to visit a website looking for mortgage advice and come away with the strong impression that a particular bank is by far and away the best one for your purposes. This may be true, or it may be a carefully created impression that was always going to emerge from any research carried out on that website. Companies are not beyond putting up sites that have no visible connection to them, in order to support their positions. The best way to avoid falling victim to this is by using a range of sites.

A Walk in the Parnell Village | Auckland Travel Blog

New Zealand Travel Blog: Part 11

Parnell is an upscale suburb or village in Auckland, known for being one of the New Zealand’s most affluent neighborhoods. Parnell is Auckland’s oldest neighborhood and has lots of specialty and antique shops, pubs, cafes, and restaurants.

If you walk down further south, you will hit the eternally-bursting New Market, which is a suburb known as the fashion and trend capital of New Zealand.

I was walking along Parnell roads and grabbed a coffee and a cake. I saw also lots of galleries, souvenir shops, chocolate boutique shops, restaurants, and small cafes as well. Walking down the road also gives you a nice view of the ocean.

Parnell village looked to me like an English country town straight from a history book, albeit with a modern touch. There are lots of side lanes that can be explored and it has lots of stores, each with its own charm.

After Parnell village, I boarded the tour bus and our next destination was the Auckland War Memorial Museum in Auckland Domain. However, we would only pass by the Museum and no sightseeing was on our itinerary.

The Auckland War Memorial Museum showcases New Zealand’s natural and military history, especially the history of the Auckland region. The building itself is also very historic. It is one of the most iconic buildings in Auckland, constructed in the neo-classical style in 1852 and built on the remains of a dormant volcano.

My next destination would be the Cruise around Waitemata Harbour with a short stop at Rangitoto Island from Auckland harbour.

How to Empty Your Mind

How to Clear Your Mind

To streamline and minimize blog maintenance, I will be discontinuing maintaining the Simplepersonaldevelopment.com website (however, I will still hold the domain). I will gradually move all articles from this site to Ahmed Dawn Dot Com This article originally published on the above website on Aug 24, 2011

Have you noticed what happens when you don’t clear your closet, cabinet, fridge, or anything regularly? Unwanted things start piling up and soon it becomes unmanageable. Our brain is no different than the above situation. In a world of high-stress, work overload, and infinite demands and responsibilities, our mind gets tangled, over-loaded and messy. That’s why we need to untangle and unwind to empty and clear our mind, so it can refocus and work at its fullest potential. Today, I am going to talk about some simple things you can do to empty your mind.

Take Deep Breaths – This is quick technique to clear your mind. Deep breathing puts more oxygen in your body, and your mind benefits from increased level of oxygen. For the same reason, aerobic exercises can clear your mind as well.

Write It Down – Whether on a piece of paper, in a notebook, on a laptop, or on your smart phone, writing down what’s bothering you can clear your mind from clutter. It is a good practise to keep a handy notebook or an online space to write down your thoughts – whether it’s something you want to vent about or it’s something pleasant. If you can’t do it daily, try to do it whenever you can. When you start writing down without worrying about anything else, your mind get rids of its unconscious clutter and makes more room for conscious thoughts.

Talk A Pleasant Walk – A pleasant, unhurried walk around the block, or in the park can empty your mind from accumulated stress and negative thoughts. While walking, try to feel and sense all the bits and pieces of your surroundings. For example, try to smell the air, feel the humidity or moisture in the air, pay attention to the various noises around you, notice anything unusual, and enjoy a beautiful garden, a mild breeze, or a beautiful sunset.

Talk to A Good Friend – Everyone should have reliable friends to whom they can talk without fear or worry of criticism. Share your concerns and thoughts with your friends and you will feel a lighter state of mind than before.

Listen To Light Music – This is one of my favourites. When I feel too burdened, I play some instruments or new age music, lie down or sit relaxed, close my mind, and concentrate on music. Doing this just for a half an hour can clear out my mind a lot and I feel totally invigorated and energized after that.

Enjoy A Great View From A High-Rise Building – As a skyscraper fanatic, I like living in tall buildings. One of the many benefits of living in a skyscraper is that you can enjoy great views from your balcony or through your glass wall bedroom or den (home office). When I feel my mind can’t bear it anymore, I just stay in the balcony or sit in front of my condo glass wall on a relaxing chair to enjoy outside views for some time. This works out perfectly for me to empty out my mind.

These are some tips that work for me. Try some of these to see if it works out for you or not. The art is the find those that work out best for you and apply them to empty your mind for a better yourself.