Life Style

Author Topic: Life Style  (Read 1005 times)

Offline faruque

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Life Style
« on: August 28, 2012, 03:31:25 PM »

Identity Theft occurs when someone wrongfully uses your personal identification to obtain credit, loans, services, even rentals and mortgages in your name. They may even commit crimes while impersonating you!
Identity Theft is a frightening and overwhelming experience if it does happen to you. You may not know it is happening for months or years! It is my desire to help other people prevent the nightmare I have had to go through myself.
Enclosed you will find the sample letter to send to the three credit reporting agencies. You may copy it for all three, fill in the blanks, and keep a copy for yourself. Make sure that you send it Return Receipt Requested and keep the postal receipt with your copy.
I cannot guarantee that the three credit reporting agencies will honor these requests. I can tell you that I am actively working to help consumers by promoting protective legislation on the Federal and State levels.
Please also know that these protective measures will not guarantee that a criminal will not get access to your credit from a "less than cautious" credit grantor. As you know, there are many ways to steal private information about you (i.e., anyone who has access to your social security number and other identifying information.) All of these offices have your information: Your doctor, accountant, lawyer, loan officer, health insurance, schools, courts, etc. A shady employee of these people could steal your identity! Remember, you don't have to lose your wallet or have it stolen to become a victim of identity theft.
In addition, here are some other things that you should do to protect your privacy, which will help to reduce the risk of Identity Theft.
1. Buy a cross-cut type shredder (you can purchase cross-cut type shredder very cost effectively for approximately $60 - $70.) Shred all your important papers and especially pre-approved credit applications received in your name and other financial information that provides access to your private information. Don't forget to shred your credit card receipts.
2. Be careful of "Dumpster Diving." Make sure that you do not throw anything away that someone could use to become you. Anything with your identifiers must be shredded (cross-cut) before throwing away.
3. Be careful at ATM's and using Phone Cards. "Shoulder Surfers" can get your "Pin Number" and get access to your accounts.
4. Get all of your checks delivered to your bank - not to your home address.
5. Do not put checks in the mail from your home mailbox. Drop them off at a BD Mailbox or the BD. Post Office. Mail theft is common. It's easy to change the name of the recipient on the check with an acid wash.
6. When you order new credit cards in the mail, or your previous ones have expired, watch the calendar to make sure that you get the card within the appropriate time. If it is not received by a certain date, call the credit card grantor immediately and find out if the card was sent. Find out if a change of address was filed if you don't receive the card or a billing statement.
7. Cancel all credit cards that you do not use or have not used in 6 months. Thieves use these very easily - open credit is a prime target.
8. Put passwords on all your accounts and do not use your mother's maiden name. Make up a fictitious word.
9. Get a post office box or a locked mailbox, if you possibly can.
10. Ask all financial institutions, doctors' offices, etc., what they do with your private information and make sure that they shred it and protect your information. Tell them why.
11. Empty your wallet of all extra credit cards and social security numbers, etc. Do not carry any identifiers you do not need. Don't carry your birth certificate, social security card, or passport, unless necessary.
12. Memorize social security numbers and passwords.
13. When a person calls you at home or at work, and you do not know this person, never give out any of your personal information. If they tell you they are a credit grantor of yours call them back at the number that you know is the true number, and ask for that party to discuss personal information. Provide only information that you believe is absolutely necessary.
14. Do not put your social security number on your checks or your credit receipts. If a business requests your social security number, give them an alternate number and tell them why. They do not need that to identify you. If a government agency requests your social security number, there must be a privacy notice accompanying the request.
15. Do not put your telephone number on your checks.
16. Get credit cards and business cards with your picture on them.
17. Do not put your credit card account number on the Internet (unless it is encrypted on a secured site.) Don't put account numbers on the outside of envelopes, or on your checks.
18. When you are asked to identify yourself at schools, employers, or any other kind of institutional identification, ask to have an alternative to your social security number. Unfortunately, your health insurance carrier often uses your social security number as your identification number. Try to change that if you can.
19. In conjunction with a credit card sale do not put your address, telephone number, or driver's license number on the statement.
20. Monitor all your bank statements from every credit card every month. Check to see if there is anything that you do not recognize and call the credit grantor to verify that it is truly yours.
21. Order your credit report at least twice a year (I have enclosed the addresses for you on the sample letter.) Review it carefully. If you see anything that appears fraudulent, immediately put a fraud alert on your reports by calling the numbers below.
22. Immediately correct all mistakes on your credit reports in writing. Send those letters Return Receipt Requested, and identify the problems item by item with a copy of the credit report back to the credit reporting agency. You should hear from them within 30 days.
23. Take your name off all promotional lists. Call the three credit reporting agency numbers to opt out of pre-approved offers.

Offline shilpi1

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চরম গরমে, পেট থাকুক আরামে
« Reply #1 on: June 04, 2013, 10:27:48 AM »
গরমের সাথে আমাদের পেটের সম্পর্কের কথা সবারই জানা। তাই গরমের দিনে পেটের সমস্যায় ভোগাটা অনেকের জন্যই নিত্য ঘটনা। বিশেষ করে বর্ষা কালের এ সময়টায় তা আরো প্রকট হয়ে দাঁড়ায়। যখন বৃষ্টি তখন আবহাওয়া ঠাণ্ডা আবার একটু পরেই প্রখর রোদ্রের দাবদাহ। এই ধরনের আবহাওয়া পরিপাকতন্ত্রের তাপীয় ভারসাম্যের জন্য একটি বড় বাধা। ফলে পরিপাক জনিত সমস্যায় ভুগে আমাদের ইচ্ছেমতো ওষুধ সেবনের কারণে সমস্যা আরো বেড়ে যায়।
কিন্তু খাদ্যাভাসে কিছু পরিবর্তন এবং কিছু বিষয় মেনে চলার মাধ্যমে সহজেই পেটের সমস্যা থেকে আমরা মুক্তি পেতে পারি। কেমন করে?

    অতিরিক্ত গরমে আমাদের পরিপাক তন্ত্রের এনজাইমগুলোর কর্মক্ষমতা কমে যায়, তাই রিচ ফুড [যেমন: বিরিয়ানি, পোলাও ইত্যাদি] যথা সম্ভব এড়িয়ে চলা উচিৎ
    পানির কোন বিকল্প নেই, স্বভাবিকের চেয়ে দুই তিন গ্লাস পানি বেশি পান করুন
    চলার পথে অস্বাস্থকর পানীয় পরিহার করতে হবে
    খাদ্যের তালিকায় সালাদ রাখুন। বিশেষ করে খাবারের সাথে শশা অবশ্যই খাবেন, তাতে পেটের বেশিরভাগ সমস্যা দূর হবে
    আঁশ জাতীয় খাদ্য [যেমন: শাক-সবজি] বেশি খান। সবজি পরিপাকনালী পরিষ্কার রাখতে সহায়তা করে
    বেশি করে ফল খান(আম, তরমুজ, লিচু, পেঁপে)
    খাবারের মাঝে অল্প অল্প ঢোকে পানি পান করুন। খাওয়ার শেষে কখনোই অতিরিক্ত পানি পান করবেন না
    কখনোই পেট পুরে খাবেন না। পেটে কিছুটা জায়গা থাকতেই খাওয়া শেষ করুন
    লেবুর শরবত, ইসুপগুলের ভুসি, বেলের শরবত পান করুন, এজাতীয় পানীয়গুলো পরিপাকতন্ত্রের জন্য খুবই উপকারী
    অন্তত একবেলা খাবার শেষে দই খেতে পারেন
    গোসল করার সময় কিছুক্ষণ পেটের ওপর পানি ঢালুন, এতে পরিপাকতন্ত্রের কার্যকারীতা বৃদ্ধি পায়
    খাবার শেষে সাথে সথে না ঘুমিয়ে বরং একটু হাঁটুন
    শোবার সময় ডান দিকে কাত হয়ে শোওয়ার চেষ্টা করুন। এতে এসিডিটি হওয়ার সম্ভাবনা কমে। সকালে ঘুম থেকে উঠে একগ্লাস ঠাণ্ডা দুধ পান করতে পারেন।

এই নিয়মগুলো যে শুধু গরমের দিনের জন্য তা কিন্তু নয়, এগুলো মেনে চললে সারা বছরই আপনি পেটের সমস্যা থেকে মুক্তি পেয়ে সুস্থ সবল থাকতে পারেন।

Offline russellmitu

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Re: Life Style
« Reply #2 on: June 04, 2013, 02:36:25 PM »
KH Zaman
Lecturer, Pharmacy