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Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. While we adhere to strict
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this post may contain references to products from our partners. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Our partners cannot pay us to guarantee favorable reviews of their products or services. We believe everyone should be able to make financial decisions with confidence. No one can prevent all identity theft or monitor all transactions effectively. A digital security provider like Identity Guard can make it much easier to monitor your financial accounts for signs of fraud.

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What to do if your credit card information is stolen

Although virtually all financial institutions and most ecommerce websites use encryption, be extra cautious when using public Wi-Fi networks. If you must use a public Wi-Fi network, make sure that the website you are using is secure. Both Google Chrome and Microsoft Edge will display a padlock in the address bar if a site uses encryption. For additional security and some protection against unencrypted websites, you can use a VPN (virtual private network) service, which encrypts your internet traffic between your computer and the VPN provider.

Whether you call it cautious optimism, realism or straight-up skepticism, you should be cognizant that scams exist and you could be the victim. Avoid giving personal information to unknown or distrusted sources, clicking on suspicious links and downloading software from sites you haven’t had positive experiences with in the past. Thieves may go through your trash and piece together your identity with personal information. To combat this, instead of just tossing your financial- and medical-related mail, shred it first. Also, when possible, opt for email communications instead of snail mail. A scammer getting a hold of your credit card numbers can have seismic implications — but if you act quickly, you can minimize the damage. One common type of malware known as a keylogger steals your personal information and can even record what you type.

Don’t give your account number over the phone

During the COVID-19 pandemic, phishing has been on the rise as our world turned even more virtual. To give perspective, “researchers noted a substantial spike of 667% in COVID-19 phishing attacks in the first months of the pandemic.”[28]. Also, given the significance of health care systems over these recent years health care companies have been the main targets of phishing attacks. These companies have tons of personal data stored that can be extremely valuable to the attacker. When a family member or someone you know uses your card or opens a new account in your name without your permission, it’s called familial fraud, and it’s a form of identity theft. This is usually committed by someone who has easy access to your personally identifiable information (PII).

Hackers stole login information and hacked into Target’s system to install spyware, which allowed them to obtain credit and debit information on approximately 40 million cards. Your card will be charged either a monthly or annual fee, depending on the membership plan you choose. Formjacking, sometimes called e-skimming, is a type of cyberattack in which scammers commission malicious code to hijack payment forms on well-known e-commerce websites. Braintree police said the scam involves criminals removing thousands of gift cards from display racks and then logging the gift card numbers, bar codes and the corresponding PINs under security stickers. According to police, officers responded to a report that two women were taking large amounts of gift cards from the display rack at the CVS on Grove Street on Monday, Dec. 11. BRAINTREE − Two New York City women were arrested after they were found with thousands of unloaded stolen gift cards that are used in a scam that is on the rise across the country, Braintree police said.

The scammers alert customers that their utilities will be disconnected unless an immediate payment is made, usually involving the use of a reloadable debit card to receive payment. Sometimes the scammers use authentic-looking phone numbers and graphics to deceive victims. Report all unauthorized charges to your credit card issuer, no matter the amount. In one particular type of credit card scam, thieves will make a small charge to your account, only $1 or so, and then follow up with a much larger charge. The small charge is typically just a test to see if the account is active and that the larger charge will go through. When you spot an unauthorized charge on your account, call your credit card issuer using the number on the back of your card.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Credit card fraud can be prosecuted at either the state or federal level. Whether you want to pay less interest or earn more rewards, the right card’s out there. Many or all of the products featured here are from our partners who compensate us.

You could be liable for the charges if too much time passes from the time the charge is made to the time you report it. Unauthorized credit card charges include any type of charge to your account for which you didn’t give permission.

Any type of card you use for purchases can put you at risk of fraud, but there are steps you can take to lessen the chances of becoming a victim. Plus, no matter how much a fraudster charges to your credit card, you’ll still be protected. You can only be liable for up to $50 and it’s likely your credit card issuer won’t ask you to repay any of the charges. Regularly monitor credit card activity by actively checking bank statements or (even better) by accessing the account online.

Florida is a paradise for not only retirees and vacationers but also bird enthusiasts, with its diverse ecosystems offering habitat to a plethora of unique and colorful birds.

You can find on our website full information about all dogs’ breeds, advices from experts how to take care of puppies and kittens and other interesting information. So you’ve finally nailed down the perfect location for your hobby farm. There are plenty of fields of healthy grass that can support grazing animals or acres you could clear for them. There are even water features to irrigate your garden and forest land to manage a woodlot. Our staff knows what you need to know adopt any of our animals into your home.

Several potential buyers have stepped forward, but all have struggled to put together traditional financing for the property. Wolston says he wants the next buyer to keep the animals safe, and ideally to continue operating the zoo as a public attraction. As more people become interested in keeping exotic pets, Fennec foxes have become a popular choice for those looking for an unusual and unique companion animal.

Read more about Exotic Animal Breeding here.

Dogs and Puppies for Sale

Animal bounties spring up in the United States and around the world, especially in places like Florida where you can get paid an hourly rate while hunting snakes. You might find some of these critters, which includes everything from hogs to pythons, rather surprising. The Animal Store stocks everything you need for your small mammal pets. Get answer to all the you questions you haven’t thought of for your adoption.

Browse by Breed

We are a lifetime member of the Exotic Wildlife Association. Call Sean or Chance for the availably of animals we currently have for sale. Here at Imperial Reptiles we have a large selection of exotic reptile for sale. Everything from ball pythons, boas, and corn snakes, to leopard geckom bearded dragons, and turtle. We use our 20+ years ofcombined experience to supply you the healthiest animals with the best genetics available. Owning an exotic reptile pet like a snake, lizard, or tortoise is growing in popularity day by day.

All our small mammal pets are captive bred, including prairie dogs and Virginia opossums. For most prey, there’s a fee that hunters need to pay either to the owner of the land they’re hunting on or for a license to hunt in whichever area you’re hunting. If this is something you are interested in, check your area for live wildlife bounties on animals such as coyotes and badgers. Even common creatures like skunks and opossums can fetch a price per tail as well. They are not just land-based animals either as the pikeminnow has made the list as well. Usually, the 99% accuracy method is to do Dog breed DNA tests, but it is expensive. AnimalsSale.com is the website where you can buy or sell animals in the US, UK, Europe and other countries.

To maintain the 80-acre spread, a buyer will also become owner of a bulldozer, grader, backhoe, tractor, trailers, fencing, and other ranch equipment. One man in Texas hopes to find that special someone who’s willing to take over his popular, 80-acre zoo south of Houston. Browse pets from our network of over 11,500 shelters and rescues.

The zoo is currently home to giraffes (including a newborn!), zebras, a zonkey, a white rhino, ostriches, alligators, kangaroos, and ring-tailed lemurs, among others. If you’re hungering for more, know that feeding the animals costs about $6,000 a month. Virtually everything on site today is included in the purchase price. A buyer will acquire all 500 animals and a 10,800-square-foot main building, which includes its own apartment. Clint Wolston spent 30 years building the Bayou Wildlife Zoo outside Alvin, TX. Today, his zoo employs 10 people, who are in charge of taking care of 500 animals and guiding roughly 90,000 visitors a year on tram tours to see and feed the animals.

All our small animals carry a 7-day health guarantee. Critter Crew spend a lot of time handling and socializing our small animals so they are the best possible family pets. We stock all the supplies you need to keep your small animal happy and healthy. The Animal Store is known as an exotic pet store because we carry so many different kinds of animals, including some small mammals that you may not find anywhere else in the area.

Discover the top longest living dog breeds with this ultimate guide! Learn about their lifespan, health, and personality traits to find the perfect furry companion. Every day dozens of advertisments are posted on our website about dogs, cats, exotic animals, reptiles and other animals for sale. You may already have a specific breed of dog or puppy in mind before you begin searching for your next best friend.

The difference between one month’s reading and the next is the number of energy units that have been used that billing period. To help you save on your energy bill, smart meters are being installed all over the country. They provide two-way communication between you and your utility company, helping your utility know about events such as blackouts. It allows the utility to maintain more reliable services and can be used with home energy management systems such as web-based tools that your utility provides. They can even allow you to remotely adjust your thermostat or turn appliances off. Electric vehicles rely exclusively on electric motors for propulsion, and hybrids use electric motors to assist their internal combustion engines for locomotion.

The generator was first invented by the English scientist Michael Faraday in 1831 through his discovery of electromagnetic induction. To measure electricity, you also need to measure electrical resistance, which is expressed in ohms (Ω). As mentioned, copper wire is a conductive material, and since it has minimal resistance, it allows the easy flow of electrons. It’s also why copper is a good conductor of electricity, having a low ohm reading. For electricity, this elementary particle is an electron that has a negative charge, which is carried to the next electron through the convention method.

Read more about Generator maintenance here.

Also in U.S. energy facts explained

When the compatibility factor from one segment to the next differs by more than a factor of about two, the device will not operate efficiently. The material parameters determining s (as well as zT) are temperature-dependent, so the compatibility factor may change from the hot side to the cold side of the device, even in one segment.

In application, thermoelectric modules in power generation work in very tough mechanical and thermal conditions. Because they operate in a very high-temperature gradient, the modules are subject to large thermally induced stresses and strains for long periods.

Turbine driven generators

Generators are usually powered by turbines, machines that use the force of steam, water, wind, or gas to turn a shaft connected to the generator. The generator then converts the mechanical energy into electrical energy, which is transmitted to the electrical grid. Steam turbines are used to generate most of the world’s electricity, and they accounted for about 42% of U.S. electricity generation in 2022. Most steam turbines have a boiler where fuel is burned to produce hot water and steam in a heat exchanger, and the steam powers a turbine that drives a generator.

Read more about Generac here.

A three-phase alternating current in the stator also produces a magnetic field that spins around the generator’s axis at a speed corresponding to the current’s frequency. Under normal circumstances, when the generator is connected to a transmission network, the magnetic field contributed by these currents spins in sync with the one generated by the field winding. When the generator shaft is not rotating, the two magnetic fields will be exactly aligned–a situation similar to two bar magnets on frictionless glass. But as power is applied, the shaft and its magnetic field move ahead of the combined magnetic field. Thus, the shaft and its field winding “pull” on the magnetic fluxes and the induced voltages in the armature. Direct current running through coils on the generator shaft –called the field winding–create part of the magnetic field. The other part is created by currents running through coils on the stationary part of the generator, called the armature winding.

Canada is one of the world’s largest power producers, with diverse energy sources for electricity generation. Hydroelectric power is the most commonly used power source, accounting for approximately 60% of the country’s electrical power generation. Nuclear power and fossil fuels such as natural gas and coal also contribute to electrical power generation in Canada. Electromagnetic generators use an electromagnet—a magnet produced by electricity—not a traditional magnet. A basic electromagnetic generator has a series of insulated wire coils that form a stationary cylinder—called a stator—surrounding an electromagnetic shaft—called a rotor. Turning the rotor makes an electric current flow in each section of the wire coil, and each section becomes a separate electric conductor.

In both cases, they require a power source to turn a turbine, which then turns a metal shaft in a generator that produces electricity. The biggest difference is where coal-fired plants would use steam to turn their turbine blades, hydroelectric plants use high-pressure ducted water located at the base of dams to power turbines. Once neutrons collide with other uranium atoms, the process repeats itself all over again. This chain reaction is controlled in nuclear power plants to produce heat.

Broadmoor is just one of seven Community Lighthouse facilities that include solar panels on its roof. Plus, other factors like house size, availability of electricity, and appliance standards also affect the numbers.

The force of the fluid on the blades spins (rotates) the rotor shaft of a generator. The generator, in turn, converts the mechanical (kinetic) energy of the rotor to electrical energy. Different types of turbines include steam turbines, combustion (gas) turbines, hydroelectric turbines, and wind turbines. Power is generated through various sources and processes, from fossil fuels to renewable energy sources such as wind and solar power.

In the United States, for the most part, apartments are arranged in complexes or buildings, and are individually rented, or leased out. Apartments are also paid for on a month-by-month basis, as opposed to being purchased outright. They took advantage of plummeting rents and signed a lease for a two-bedroom a few blocks away, which kept them close to Mr. Ting’s family. Whether your application is approved or denied, read up on your rights as a renter wherever you live.

Juicebox, the modern apartment in Seattle, costs about $150 per hour and has a three-hour minimum. Let’s take a closer look at some of the apartments we mentioned above to get a better idea of average apartment rental pricing.

Adjusted gross income refers to your total income minus any necessary adjustments. Adjustments may include expenses expenses like student loan interest, alimony payments, or any contributions you make to a retirement account. In a nutshell, a person’s credit score is figured out by various credit bureaus. This is based on a number of factors, like whether you pay your bills on time, how many credit cards are in your name and so on.

Some neighborhoods are less expensive than others—meaning you could rent the same size apartment for cheaper. You can use the map function on listing sites like Realtor.com to show you price differences.

Based on your latest search, check out these properties.

That’s fine, and it’s probably fine with your landlord, but it’s something that will have to be agreed upon with very specific terms. Some apartments don’t allow any pets at all, or they allow caged pets, cats instead of dogs (as cats usually aren’t as destructive as dogs), or cats and dogs under a certain size. Since oral agreements generally wouldn’t hold up in the legal sphere, the lease is your legal record of the terms of living in the apartment — read it, date it, initial it.

Someone like a previous employer, teacher or professor fits the bill there. Give each person a heads up that someone might be getting in touch so that they make sure to return the call or email in a timely fashion. It can be more than a little nerve-wracking to submit an application for an apartment, then have to wait around to find out if the powers-that-be deem you worthy enough to live there. More than 37 percent of people live in an apartment, according to National Multifamily Housing Association, and reviews can help people decide whether to rent in a particular building or not. To help make the decision between these two options easier, we’ll outline the pros and cons of renting an apartment or a rental house.

Whether you’re sticking to a strict rental budget or you’re looking for a pet-friendly rental, there are many reasons why you may be considering renting an apartment or a house. While the average American spends 30% of their income on housing in 2023, this isn’t always possible for young professionals. Often, renters are paying more due to the recent rise in rent prices.

In the end, property managers want a tenant who will make payments on time and be a positive, respectful member of their community. Other income-based programs through the federal government include Section 42 housing and Section 8 housing. HUD regulates both programs, but each has different application requirements. Not all properties do this, but in case they decide to, it’s good to have the information pulled together. If you’ve rented before, provide the name and contact information of all previous landlords. If not, consider providing a reference who can speak to your character.

How Apartment Leases Work

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Many people look at a specific property when searching for a new apartment but it’s a good idea to see how residents rate their apartment community on various sites, too. Those are helpful and are more objective than what a website includes in terms of how people who live in the apartment engage with various amenities and how they feel management handles things. Remember, writing online reviews, whether it’s on a specific site or on a social media page, is free. It’s one thing to get feedback beyond what’s on a website that is helpful but writing a hit piece doesn’t benefit the apartment community as a whole. No matter what we’re planning to spend, whether it’s money or time, we want to make an informed decision so not to have a less than stellar experience. This is where online reviews, whether it’s for a positive experience or a negative review, can make a difference. A well-written review of apartments or apartment communities is possibly the reason someone rents an apartment or not.

Let’s look at what leases cover, including general rules and regulations, roommates, pets, and the quandary of what to do if you need to break a lease. This is a popular option for corporate events, productions, and parties alike. The luxurious penthouse with the private rooftop in New York is the most expensive on our list, starting at $2,500 per hour with a four-hour minimum. Simply go to the site, enter your location and event, hit search, and see what pops up. You can use the filters tab and select “apartment” under Space Type to find all the apartments in your metro. Peerspace rentals are only for daily or hourly rentals, not overnight accommodations.

When you exercise, you not only burn calories while you’re working out, you also burn more when you’re resting. The idea behind calorie cycling is that occasional days of normal caloric intake can keep the body from thinking it’s starving. As a result, your metabolism shouldn’t be affected, even when you reduce your calories on most other days. One study on the popular weight-loss TV show The Biggest Loser found that participants lost about 40% of their body weight, but also experienced a 23% reduction in their metabolic rate.

To increase the calorie count, you could mix the drink powder with whole milk. You could also use the protein drink mix to make a healthy smoothie with calorie-rich ingredients like natural nut butter, full-fat yogurt or coconut milk. Numerous nutrients found in Boost beverages can aid in weight gain. In addition to having a lot of vitamins and minerals that are necessary for maintaining good health and muscle growth, these drinks are also high in calories and protein.

How Many Calories Are In HerbaLife Protein Shake?

As a personal trainer and fat loss coach, Jordan Syatt is often asked what he eats when he wants to lose a few pounds. About 60% to 75% of the calories you burn each day happens when you’re resting. So, boosting your resting metabolism can significantly impact the total amount of calories you burn. Exercise could be more important than diet in determining your metabolic rate.

Amy Reed has worked as a registered dietitian at Cincinnati Children’s for more than 15 years. In her spare time she likes to cook, exercise, and spend time with her family. These foods are high in saturated fat, which could raise your cholesterol. Select vegetable fats that are low in saturated fat, such as olive oil, canola oil, soft margarine and mayonnaise. Talk with your dietitian about how to choose the best lean cuts of meat. Some examples are chicken, turkey, fish, pork tenderloin and eye of the round beef. It is important to remove all of the visible fat from meat and skin from poultry and to use only vegetable oils and fats in the cooking.

For this reason, it is not surprising to see that high-protein diets lead to weight loss, even without intentionally restricting calories, portions, fat or carbs (22, 23, 24). In one study, protein at 30% of calories caused people to automatically drop their calorie intake by 441 calories per day, which is a huge amount (19). A high protein intake has been shown to boost metabolism and increase the amount of calories burned by about 80 to 100 per day (14, 15, 16). Building muscle can help increase your metabolism to help you burn more calories each day, even at rest. I recommend starting with one or two of these supplements per day as overuse can cause your child to lose interest in eating.

You can spice up low-cal foods, but low fat or no-fat foods are always a hard no. Processed foods often swap fat for sugar, which is lacking in nutritional value. Adding a protein or fat each time you eat a carb may help increase caloric consumption without causing your sugar levels to spike.

That seems like a lot, but we have a good ally in our Boost shakes. Yes, Boost drinks are a healthy option when trying to gain weight. Boost drinks can help you gain weight by providing your body with the nutrients it needs to build muscle and put on the pounds, and can help you keep those pounds on. In another study, women spent a month on a low-calorie diet, followed by a month on a moderate diet. Their resting metabolic rate didn’t fall, and they lost weight and body fat. It’s unclear whether calorie cycling, the exercise, or the combination of both produced the positive results.

What Ingredients In Boost Drinks Help To Gain Weight?

“Plenty of people lose weight not by counting calories, but by focusing on the quality of the food and on portion control,” says Zumpano. It’s good to have a sense of your daily calorie needs and to be aware of how the calories in your favorite foods add up. Those numbers can help guide your decisions about what to eat and what to save for another day. Whether you want to gain weight, lose it or find the perfect Goldilocks balance to stay exactly where you are, calories matter. And if you’re a person who likes to track and measure things, you could benefit from determining exactly how many calories you need.

In a 2020 study, researchers found that doing this resulted in reduced blood insulin and sugar. Eating food can temporarily increase your metabolism for a few hours. Some of the foods in the chart below can also be used to make a shake that can supplement a child’s diet. BOOST® ready-to-drink shakes are shelf-stable, which means they do not need to be refrigerated before opening them. If you chill them first, you might find them to be more enjoyable and refreshing, but keeping them cold is not necessary. To find out what each nutritional drink offers, look at the label and nutrition facts panel. Food should also seem more appealing after exercise, Creel says.

You should consume two Boost shakes a day minimum if you’re trying to gain weight. However, you might need to drink more if you’re having trouble gaining weight. Before consuming more than three Boost drinks per day, we advise consulting a registered dietitian or your physician. Based on your particular requirements, they can assist you in deciding how many Boost drinks you should consume each day. BOOST® VHC Very High Calorie Nutritional Drink is the highest calorie BOOST® drink with 530 nutrient-rich calories per 8 fl oz serving. This nutrient-packed drink combines high calories with 22 g high-quality protein to help gain or maintain weight, plus 26 vitamins and minerals. Enjoy as a high calorie, high protein snack or with a meal to help meet daily nutritional needs.

Read more about boost vhc here.

When POS malware does not work, scammers turn to JavaScript sniffers — a type of formjacking. These malicious scripts can “sniff out” card numbers, expiration dates, CVVs, and more. Scammers may target you by sending links and attachments which, if clicked on, can download malware onto your device. Hackers sometimes use what’s called a “man-in-the-middle” (MITM) attack to intercept and excise data that you share while using these networks. Public Wi-Fi networks that don’t require a password are convenient and easily accessible in places like hotels and coffee shops.

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If you move that debt to a balance transfer card, the 0% APR introductory period puts a pause on the interest charges, giving you a chance to chip away at your principal balance. Mr Hunt said BIN attacks could also cause reputational damage to merchants and put them at risk of losing their ability to process cards if there were too many fraudulent transactions on their e-commerce stores. It is a type of cyber attack in which the attacker acts as a credible person, institution, or entity and attempts to lure the victim into accepting a message or taking action with the specific request. Often, the target of the attack will receive an email or text message about something they would possibly want or need with the hope of tricking them into opening or downloading the message.

Report suspicious activity as soon as possible by calling the number on the back of the card. Some credit cards have proactive alerts that will notify the cardholder if a potentially fraudulent charge is made.

Chase isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. Power its potential with one of our business credit cards, like Ink Business Preferred℠, Ink Business Unlimited℠ or Ink Business Cash℠. Enjoy the convenience of earning cash back with Chase Freedom® or Chase Freedom Unlimited®. Explore the world and earn premium rewards with Chase Sapphire Reserve® or Chase Sapphire Preferred®. Cash back rewards are bonuses provided to customers when they use their cards to make purchases. We’re often quick to blame our computers (or the internet) when we experience credit card fraud. Still, make sure you keep your credit card number and information as safe as you can.

Because the theft victim never sees the statements, she may never know about this until she looks at her credit report, or the credit card companies track her down to ask when she will be paying them back. Perhaps the most straightforward way thieves make money from stolen credit cards is to buy things. In 2015, a Brooklyn couple was sentenced to prison after making over $1 million in goods, services and cash. A large part of their scheme was using stolen credit cards to buy items like transit passes, gift cards, baby care items, computers and movie tickets. They then sold the purchased goods on the internet using eBay, Craigslist and websites they set up themselves, making a profit because it cost them nothing to buy the goods in the first place. Many unauthorized credit card charges go unnoticed for several months because cardholders don’t thoroughly review their credit card statements. But early detection is crucial when it comes to correcting unauthorized charges.

Card numbers easier to guess than consumers think, expert says

In the meantime, you’re not responsible for paying the disputed portion of your balance. The card issuer can’t charge any fees or interest on that unpaid balance unless it’s later determined that you indeed authorized the charge. Once you have the correct number for your credit card issuer, call to report the unauthorized charges. They’ll typically cancel the compromised account and reissue a new credit card with a new account number. Unauthorized credit card charges can be scary and a hassle, but you won’t have to pay for these charges if you find and report them as soon as you notice them.

BUSINESS

Although you won’t be charged interest during the promotional period, it will still accumulate. “The attacks are getting more and more sophisticated because there’s so much more value for the attackers in having a large number of cards that they can resell,” Mr Hunt said. For Mr Papiccio’s employer, the company also suffered a financial impact, albeit indirectly. John Goodall and Bob Barrow are now calling for tighter banking processes, while John Papiccio says his employer was not contacted by the Commonwealth Bank about the attack until June, and should have been warned earlier. The two men were ultimately reimbursed by the Commonwealth Bank, but say they’ve been left with serious reservations about card security. “We had people contact us saying, ‘Hey, we’ve had a transaction from you taken out of our card, and we don’t know who you are’,” general manager John Papiccio said. When a Melbourne wholesaler received a monthly bill from the Commonwealth Bank for 13,500 declined e-commerce transactions, employees thought it was a clerical error.

However, if you’re still carrying a balance on a retail card and you miss a payment, you’ll owe all of the interest that has accumulated. Commonwealth Bank customers Bob Barrow and John Goodall were among those to contact the Melbourne business after noticing it listed on their transactions. Although skimmers can be hard to spot, it’s possible to identify a skimming device by doing a visual and physical inspection. Card numbers – formally the Primary Account Number (PAN) – are often embossed or imprinted on the card, and a magnetic stripe on the back contains the data in a machine-readable format. Fields can vary, but the most common include the Name of the cardholder; Card number; Expiration date; and Verification CVV code.

When you know how credit card fraud occurs, you can take steps to prevent fraud in the future. Credit card fraud is a large problem, with the Federal Trade Commission (FTC) collecting more than 167,000 reports of fraudulent credit card activity in 2018.

Here, uniform planting of airy grasses adds a cool style to a garden that’s right on trend. They add drama and understated elegance with their sculptural shapes in stunning shades of burnt gold, luminous silver and vibrant stripes. You can find your perfect outdoor seating in our guide to the best garden furniture. A climbing plant can be seen making its way up one of the columns, too – adding an extra dose of greenery. And if you opt for fragranced kinds such as honeysuckle or roses, then you can enjoy gorgeous clouds of scent in summer.

If the bottom area of your garden is the place that gets the most sun, it’s the ideal spot for outdoor living space ideas. As it’s further away from the house, it also gives a feeling of seclusion and privacy. This small garden has been divided into sections that are separated by low maintenance tropical-style planting. The decked dining area is positioned nearest the house, which can be practical for easy access to the kitchen. The snug seating area at the bottom of the garden feels cozy and secluded and is perfect for relaxing. It’s a relatively simple design, but it works perfectly for all involved.

If you’re looking to strike that perfect balance between natural yet modern for your garden design ideas, then give this a try. By breaking up your paving with areas of soft planting, the look will feel unexpected, fresh, and organic. No matter how big or small your backyard is, with just a few simple touches you can create a tranquil oasis that you’ll want to spend all your time in. We’ve rounded up our favorite garden design ideas to give you all the inspiration you need to turn your dream garden space into a reality. And, if you’re after more advice for your next project, our guide on how to plan your garden design has lots more useful tips. Garden color schemes are influenced by many factors including climate, culture, regional style, and personal taste.

For more on this topic, see the article How To Garden With Grow Lights. Purple leaves are an indication that the plant is not receiving enough phosphorus. If you have been using half-strength fertilizer for the first three to four weeks of the seedling’s life, it may be time to increase the fertilizer to full strength. The phosphorus content (the middle number on the fertilizer analysis) should be at least 3. Many vegetables, such as cucumbers and squash, require insect pollination in order to form fruit. Planting flowers brings in the pollinators, as well as beneficial bugs to take care of some of the bad bugs that want to chow down on your veggies. Orchids have a reputation for being finicky, difficult plants, but many orchids are no harder to grow than your average houseplant.

From amending your soil with high-quality organic matter to pruning shrubs, you’ll find answers and advice for essentail gardening tasks. As a fierce defender of the lawn as a tremendously useful element in the landscape, some situations just require leaf removal. Decay-resistant oak and beech leaves, even quickly decaying leaves if dropped in sufficient quantity, can completely smother the lawn through the winter, leaving you with nothing but mud come spring. I do collect my leaves but don’t get very excited about trying to make the lawn look like brand-new pool table felt. Re-assess your garden and see if there’s any potential in a neglected corner in terms of using the space differently.

Several tribes hold some of the most senior rights to water in the western U.S. but lack the infrastructure to access much of their share. Beginning in 1914, La Rue hiked across much of the river and its tributaries, collecting first-hand data on the flow of water. That included taking measurements of the depth of the river and its flow speed. Reclamation Service suggesting that 16.4 million acre-feet of water ran through the river at Lees Ferry, Arizona, every year.

Leaf minor insects love to spend the winter encased in discarded boxwood leaves until the warming spring sun coaxes them out to munch on new boxwood leaves. Certainly, removing all that litter does reduce the number of problematic insects and diseases. When it comes to planting, check the conditions of your plot first. If it doesn’t get much sun, then our shade garden ideas will help you transform it into a welcoming oasis. If it’s sunny and dry, then perhaps our small rock garden ideas are more fitting.

Gardening Lifestyle

Read more about Best outdoor heaters here.

Curate a cozy outdoor living room

Discover what it takes to create an organically grown garden using natural methods. Learn how and when to use this natural pesticide on your indoor and outdoor plants. She added that Indigenous groups need to be an important part of that process.

Planting

Follow these 6 steps and you’ll be on your way to growing your own food.

Landlords have also been known to let tenants out of a lease by holding onto the security deposit. In any event, check your lease agreement when you move in, so you know what you’d be facing if the time ever comes. An apartment lease tells you your rights, your responsibilities and those of the landlord. Usually, the security deposit is returned to the renter when he or she moves out — or at least most of it. This is a fund your landlord will dip into to fix any damage incurred during your residence.

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Pros of renting a house

Take into account price, location, safety and other neighborhood attributes as they often give insight into the cost of neighborhood amenities or services. Finding Section 8 apartments for rent can make an already stressful hunt that much more difficult. Around 2 million families live in subsidized units within Section 8 housing and most of these families earn less than $20,000 a year. Signing a lease longer than a year often comes with a more affordable price. This is a great option if you’re a student planning on studying in the same city for a couple of years or you really enjoy the property. Keep in mind, though, that even though this option will lower your rent, it isn’t always recommended since your circumstances can change. Renting out the extra bedroom can be a great way to lower your monthly payment while also enjoying a bigger apartment.

Deciding between renting a house vs apartment final thoughts

You have to schedule a viewing, submit a rental application, and sign a year-long lease. There are many factors that affect how long apartment applications take. For example, the processing time will be shorter if you filled out an application online. Especially with the rental market heating up, apartment applications can be competitive too. Whether you’re a first-time renter or a seasoned professional, we layout everything you need to know on how to get approved for an apartment. If you have been researching housing options that accept lower income levels, you may have also come across the term income-restricted.

Read over your lease carefully, and don’t let a landlord or leasing agent rush you. If you don’t understand something on your lease and need it clarified in writing, ask to have that section changed. If you disagree with something, ask for the landlord to work with you. Make sure that any changes are initialed and dated by both the tenant and the landlord, because once you sign it at the end, you accept the terms of everything in the lease. Let’s look at what leases cover, including general rules and regulations, roommates, pets, and the quandary of what to do if you need to break a lease. Join thousands of hosts renting their space for meetings, events, and photo shoots.

Remember, writing online reviews, whether it’s on a specific site or on a social media page, is free. It’s one thing to get feedback beyond what’s on a website that is helpful but writing a hit piece doesn’t benefit the apartment community as a whole. As a renter, one of the biggest questions you’ll have to answer is whether renting a house vs an apartment is the right decision for your needs, budget, and lifestyle. Apartment living and living in a rental home can be very different options, but overlap in many ways. So whether you’re renting in Boston, MA, or living in Raleigh, NC, you’ll have to decide which rental property fits your needs.

Inspections are performed frequently and contracts for individual families are reviewed on an annual basis.” As you can see, Peerspace can match you up with apartments in cities across the globe that suit every style and price point. Book one of the apartments above or start your own search to find an apartment near you. No matter why you want to rent an apartment for a day, we promise that our platform makes it easy to do.

When she’s not out exploring the city with her two children and husband, she’s perfecting her air hockey technique. An apartment’s website is only one piece of information but apartment reviews hold so much information. While finding Section 8 housing requires more work to apply and find an apartment, it’ll be well worth it if you end up receiving a voucher. Just remember to follow up if you make it on the waiting list, and keep realistic expectations. Here’s what you need to know about how to find housing and apartments that accept Section 8, based on the U.S. It hasn’t helped that home prices and mortgage rates have also risen a great deal, forcing more people to rent when they can’t afford to buy. Redfin said that on a national level, rents are 22% higher than they were in November 2019, and they’re just 4.2% off their August 2022 record high of $2,054 a month.

If you happen to put a hole in the wall, and it costs $100 to fix, your security deposit of $300 will be returned to you at $200. One of the most reliable ways to increase your chances of getting approved for an apartment is to find apartments within your rent budget. In general, it’s recommend that your monthly gross income is at least three times your monthly rent, including pet rent, parking, and any other fees you have to pay every month. Contact your local housing authority if you’re interested in learning more about income-based apartments, including how much rent you can expect to pay. The Low-Income Housing Tax Credit program regulated by the Department of Housing and Urban Development (HUD) manages income-based apartments. If you’ve ever lived in a big city, then you know the drill when it comes to renting an apartment.

Some neighborhoods are less expensive than others—meaning you could rent the same size apartment for cheaper. You can use the map function on listing sites like Realtor.com to show you price differences. By establishing your nonnegotiables, you can also have a better idea of what filters to use when searching for apartments online. According to Manisha Thakor, director of wealth strategies for women at the BAM Alliance, your rent shouldn’t be more than one-fourth of your take-home pay.

After the defendants received the money in their accounts, they transferred the money to each other, to the conspirators overseas, and to their own accounts in Nigeria. According to the indictment, defendants received more than $2 million dollars in their accounts from the scheme between 2017 and 2022. We adore the super fun and over-the-top style of the Elvis-inspired themed apartment in Melbourne! However, its layout and impressive amenities make it hugely appealing in our eyes. Let’s take a closer look at some of the apartments we mentioned above to get a better idea of average apartment rental pricing. Peerspace rentals are only for daily or hourly rentals, not overnight accommodations.

If you’re familiar with CrossFit, many of the workouts are built on circuit principles. We have a FULL resource on how to determine your starting weight for lifting, but I’ll give you the gist here.

Push-ups, pull-ups, sit-ups, and leg squats are also strength-training exercises. Even low-weight dumbbells and body weight movements can be a good place to start for building and maintaining muscle. And a little movement goes a long way when it comes to your workout length. That might look like a daily 20-minute walk, three 30-minute HIIT classes per week, or some combination of higher and lower intensity activities.

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tips to build mental fitness within your teams

It lowers the chance of dying early from conditions like cancer and heart disease. If you haven’t exercised in a while, you may want to try easing back into it with moderate-intensity aerobics. Soon enough, you’ll start feeling the positive effects of regularly moving your body. One of the consequences of resistance training is that when done correctly, it’s almost certainly going to lead to some muscle soreness.

Failing to drink enough water when you are exerting yourself over a prolonged period of time, especially in hot conditions, can be dangerous. For more on the types of exercise you should include and how hard you should work out, read Best Exercises for Health and Weight Loss. If you’re having trouble beginning an exercise plan or following through, you’re not alone. Many of us struggle getting out of the sedentary rut, despite our best intentions. Making exercise an enjoyable part of your everyday life may be easier than you think. You’ll work with our certified NF instructors who will get to know you better than you know yourself and program your workouts and nutrition for you. Personally, I stuck with a Monday-Wednesday-Friday full-day routine for nearly 10 years and just focused on getting stronger with each movement.

Random Fit Podcast: Body Composition Change & Nutrition

Through exercise, people learn to alleviate anxiety and rebuild their confidence. By not letting each of the muscle groups rest, a person will reduce their ability to repair. Insufficient rest also slows fitness progression and increases the risk of injury. Also known as aerobic activity or simply “cardio,” cardiovascular exercise benefits a person’s heart and respiratory system.

Building strength for tomorrow: New President of BetterUp Care™ on extending proactive mental health across the enterprise

To put it simply, depending on who you are, your muscles may grow more with lower reps using heavy weights, or with high reps using lighter weights. The muscle building process is driven by several factors, including hormones like testosterone and growth hormone, as well as the availability of amino acids and other nutrients. When it comes to physique improvements, muscle building is often a top priority. Exercise helps block negative thoughts and distracts you from daily worries. Your body releases chemicals, such as serotonin and endorphins, that trigger a happy feeling. Exercising with other people can boost that effect even more. “It’s not just physical fitness.” In addition to nutrition, hydration, recovery, and stress management, sleep is another big factor worth prioritizing.

If you need help, check out the Wix Business Name Generator, which offers ideas based on a few questions about your business. You can also learn more about physical activity levels for your child from the Move Your Way® Factsheet for Parents [PDF-1.6MB]. Check out the Physical Activity Guidelines for Americans, 2nd Edition [PDF-15.2MB] for more information about the recommended levels of physical activity for children. He co-wrote an article published in iScience in October that reviewed multiple studies and compared weight loss to exercise for promoting longevity and improving people’s overall health.

Even if your training is better done in pairs, like martial arts, you can still demo drills and exercises online to supplement your in-person training sessions. Wix Fit offers different fitness website templates with built-in booking capabilities. Other marketing features—live chat, email campaigns, social posts and SEO—can drive traffic to your site and help your business grow. You’ll also need to choose a hosting plan and a domain name.

Next type bootrec.exe and hit Enter in Command Prompt to open the BootRec tool. You can follow the same 3 ways in Fix 1 to access Windows 10 Advanced options window. You can start your Windows 10 PC to enter into the sign-in screen. If you’ve logged in, you can press Windows + L key on the keyboard to enter the sign-in screen. You can also reset Windows 10 PC from the login screen to repair Windows 10 problems. Then you can restart your Windows 10 PC to see if it can boot and work smoothly now. If your Windows 10 PC has a good Windows image, you can directly run SFC command utility to repair common problems that prevent Windows 10 from working smoothly.

Enter the password for this account in the field provided and then press or click Continue, then go to Step 9 (Step 8 only applies if you had chosen not to keep your personal files). Once Reset This PC is loaded, you’ll see this screen, hopefully with your account name clearly available as an option, much like you see ours here. Instead of Windows starting up as usual, you’ll see this Preparing screen. This option only shows up on some computers and isn’t reflected in the screenshot example above. In Windows 11 and 10, this is the Reset This PC screen you’ll see next, headed with Choose an option. In case you’re not aware, resetting your PC is very different from rebooting it. This article covers resetting, but you might actually be looking for information on rebooting your PC.

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You have two options that essentially do the same thing. All options accomplish the same thing if you’re doing a Reset This PC to solve a major computer issue, so choosing Keep my files is the safer bet in most cases. Windows will erase everything on the drive and then return your computer back to the exact state it was in when you first purchased in. In most cases, this means all the preinstalled software will be reinstalled and the version of Windows that was on your computer when you bought it will be there again.

How to Use Reset This PC

A failed Windows update degraded hardware like memory or a hard drive or missing or damaged system files corrupted by malware. You may also encounter this problem due to a driver issue for a specific piece of hardware or a registry error. Windows 10 includes a host of different troubleshooting and repair tools designed to make the process of fixing everyday Windows problems much more accessible than in older versions of the operating system. One of those tools is Startup Repair, which can fix issues with your Windows startup. If there’s a problem with a driver, service, or file that might be causing an issue when booting your PC, Startup Repair should fix it for you.

However, if the tool finds problems replacing the damaged files or the computer isn’t connected to the internet, you’ll have to provide another image using the “Source” option. Typically, you can use an “install.wim” or “install.esd” file from another device, install media, or ISO file. You only need to ensure the files match the version, edition, and language of the version you are trying to fix. You can use this best free data recovery software to recover deleted files or lost data from Windows 10 with ease, including unbootable Windows 10 PC, or corrupted/damaged computer. If the automatic repair method ever fails, you’ll need a system repair drive in order to use Bootrec or any other system recovery tools.

When to Use Reset This PC (and When Not To!)

When there’s a missing or corrupted file on Windows 10, you can fix the problem using the DISM and SFC command tools, and here’s how. Reset This PC removes all of your software, meaning a follow-up task on your part will be to reinstall that software. That’s a time-consuming task that’s well worth it if it means your computer is back to working order, but a huge waste of time if all you needed to do was clear your browser’s cache. You can open MiniTool Power Data Recovery to enter into its main interface. Select the partition that contains lost data and click Scan. Or you can click Devices tab and select the whole disk to scan. In the Advanced options window, you can click System Restore, and the PC will restart.

Notepad is a basic text editing application that’s built into Windows. You can create no-frills lists to write code, create time-stamped logs, and more. But if it doesn’t launch, you must fix Notepad not opening on Windows.

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Here are several different ways you can potentially fix the repair loop error you’ve encountered. After trying each one, properly reboot your PC to see if the fix has taken worked.

This fundamental difference enables AI software to automate complex tasks, offer personalized experiences, and process vast amounts of data efficiently, transforming how we interact with our computers. To use the new tool, you’ll need to put your iPhone or Mac into diagnostics mode and then enter its serial number to check which Diagnostic suites are available for your device.