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Showing posts with label February 18. Show all posts
Showing posts with label February 18. Show all posts

Thursday, 20 February 2014

How to Freeze Your Credit


If you suspect theft or have lost an item of personal identification, such as driver’s license, Social Security card, or credit card, you are at risk of having your identity stolen. Once a thief has this information, it is easy for him or her to get credit in your name. For this reason, you need to know how to freeze your credit with all three credit reporting agencies. Freezing your credit prevents new credit or new loans from being given out in your name.


Edit Steps


Edit Part One: Placing the Freeze



  1. Contact the three main credit bureaus (links provided below) to begin the process. There are three main credit bureaus which are charged with maintaining a kind of status report on your credit. They are Equifax, TransUnion, and Experian. In order to assure that all possible lines or credit or credit reports are frozen, you’ll need to reach out to all three bureaus — not just one. When contacting the three bureaus, expect to provide your name, address, date of birth, and Social Security number.


  2. Be prepared to pay a fee in some states. In some states but not all, placing a freeze on your credit will cost a nominal fee of $5-$10. If you are victim of identity theft, placing a credit freeze is almost always free[2]


  3. Wait for each credit bureau to send you a PIN. Within 5 days, the credit reporting agency should place the freeze. Within 10 days, they should send you written confirmation of the freeze, along with a personal identification number (PIN) which will allow you to either thaw or remove the freeze entirely.


    • Thawing the credit freeze simply means temporarily lifting the freeze for a specified amount of time. You might use your PIN to thaw the freeze so that a reporting agency can issue a credit report for you to use or examine.

    • Removing the credit freeze means permanently lifting the injunction against issuing a new line of credit or a credit report.



  4. Continue to safeguard your credit and identity after placing the freeze. Continue to be vigilant about your credit and identity, especially if you were a victim of identity theft. Report all lost of stolen items of personal identification to the relevant authorities and try to mend any inaccurate or damaging information that may be affecting your credit score.




Edit Part Two: Understanding What the Freeze Does and Doesn’t Do



  1. Understand that freezing your credit merely prevents access to your credit report. What this means is that new credit or new loans cannot be given out, since lenders need access to credit reports in order to determine the creditworthiness of an applicant. Freezing your credit, then, is like putting a bandaid on a wound: It will prevent future bleeding, but it won’t heal the cut.


  2. Know that freezing your credit has no impact on your existing lines of credit. You can continue to use your old credit cards as usual after placing the freeze; freezing credit applies only to future, not current, lines of credit.[3]


    • Freezing your credit does not mean that you do not need to pay your credit card bills. Just as you are able to use existing credit cards, you are also expected to pay existing credit cards. Placing a freeze on your credit does not exempt you from needing to pay your bills.



  3. Know that placing and/or keeping a credit freeze will affect timely approval of certain financial requests. It almost goes without saying, but having your credit frozen could affect approval of new loans, as well as:


    • Credit, mortgage, and insurance applications, as well as certain government services

    • Rental housing, employment, and investment approval

    • Cell phone and utility bills

    • Your digital signature

    • Various credit card transactions over the internet



  4. Remember to lift a credit freeze before shopping for a new line of credit. If you’re in the market for a new line or credit, you can thaw your frozen credit for a specific creditor, or remove it completely if you’re in the process of shopping around.[4] Remember to do this a few days before you apply in order to be completely sure your application won’t bounce.



Edit Tips



  • If you are able to prove that you are the victim of identity theft, security freeze fees are waived by all 3 credit bureaus.


Edit Warnings



  • If you need to apply for credit, or if you are applying for new employment, you need to temporarily lift the security freeze so you are able to complete both processes.


Edit Things You’ll Need



  • Police report

  • Personal information

  • Computer with Internet access


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How to Excel in a Retail Job


A profession in retail is a unique experience. Whether you feel that selling merchandise to customers is your life passion or just a job to make ends meet, it’s important to understand that your position is meaningful, reaches out to many people in your community and leaves a lasting impression. As such, you should always want to excel in it. Excelling as a retail employee includes taking the role seriously, understanding what is expected of you and finding ways to support others in your team.


Edit Steps


Edit Part 1: Personal Integrity





    • If you are habitually late you will be leaving your coworkers in a lurch. You also risk facing disciplinary action or even dismissal, depending on the jurisdiction in which you work.

    • If you can’t make work because you’re ill or indisposed for a good reason, alert your workplace as early as you can. This allows them to make alternative arrangements to cover your shift. Equally, if you want to get ahead in the job, making it known that you’re available to fill in at short notice can be a great way to get noticed, make more money and be seen as highly reliable.



  1. Present yourself well. Retail work is very visual, and it includes not only the stock, but those selling the stock too. Smart grooming and good clothing are an important part of presenting a professional image that inspires confidence in anyone dealing with you. Make an effort, even if your natural preference is scruffy and comfortable. Good presentation can also provide you with a professional “shield” between you and customers, giving you the confidence to behave more professionally.


    • If the store requires a uniform of some sort, keep it well laundered and pressed (find out if the company covers such costs).

    • Have a comb or brush handy for touching up hair during the shift, and perhaps a small mirror and some makeup for touch-ups.



  2. Take care to understand the store policies thoroughly. If you have any questions about what is and is not allowed, ask before doing or failing to do something, or you risk not following the store policies. Many stores give training at the commencement of your job but changes occur over time, so be sure to keep up to date with store policy changes the longer you stay there.


    • For example, you might want to take home used boxes from the store for your volunteer work of doing art with street kids. However, your store might have a policy that employees take nothing from the store; you’d need to know this beforehand, or risk being dismissed.




Edit Part 2: Interacting with Others



  1. Get along with your coworkers. Aim to be friendly, polite, flexible, and sympathetic to the needs of those you work with. Successfully developing a rapport with your coworkers will ensure that they trust you, can easily work with you, and can count on you. Plus, enjoying the company of the people you work with will make any slow day go by a lot faster.


    • What about those times when a coworker wants to chat endlessly? Realize how bad this looks to customers, and how it can cause customers to shy away from asking for your help or service. Ask your coworker to keep the chatting to times when customers are not directly affected; if your coworker seems to keep chatting, it can help to ignore any attempts to engage you in conversation when it’s not convenient.

    • Seasonal events can stress everyone in your team, when there are many shoppers, stock is strewn everywhere and you’re constantly stuck at the cashier’s spot. On such occasions, give each other pep talk, offer a word of praise now and then, and keep an eye out for coworkers who miss breaks and offer to cover for them so that they can take them to refresh.

    • Sometimes coworkers will behave negatively. On such occasions, be aware that workplace conflict is a natural part of working with others and is something to manage, not run from. Try to handle things yourself initially but if it’s too difficult or involves serious issues such as harassment, seek immediate help from your supervisors/superiors.

    • There may be times when one or more members of your team fails to take the role seriously. Realize that everyone has down days or feels fed up with what they’re doing. It’s not usually about you, so don’t take their behavior to heart. Ask them “What’s up?” and be compassionate about their issues.



  2. Work with management, not for them. Get to know your boss (for example, the store manager) and any other authority figures (for example, assistant managers, sales managers, department managers, etc.). Know what each of your superiors expects of you in your position.


    • Aim to be flexible. This includes keeping an open mind if you’re asked by management to stay late during the busy holiday season or to take on an extra responsibility. If you execute this well enough, your efforts will be recognized and you are likely to receive some kind of benefits in the long run, perhaps even a promotion.

    • Ask questions. Whether it’s because you don’t know something or because you’d like to try something innovative but you’re not sure how it’d go down, asking questions shows engagement with the job and interest in it.



  3. Provide a great customer experience. Greet each customer and find out what they’ve come into the store for by asking open-ended questions. Guide them to the product (if available) and assist them with answering any questions they might have. Then, offer to help them find anything else they could be looking for, or if applicable, if they would be interested in a warranty plan (cross-sell!).


    • Smile and stay upbeat even when the customer doesn’t smile back. Customers do notice your smile, they may simply be too busy, self-absorbed in thoughts about what they have to do next or a shrinking violet. Your pleasantness may be enough to thaw the ice for the next person that customer meets!

    • Be aware that disengagement from or lack of enthusiasm for your job is apparent to all––to your coworkers, your boss… and yes, your customers. And customers are super ready to judge that a disengaged retail worker is likely to not want to help them, setting up a defensive situation from the start. Even if this job isn’t your dream ticket to a future career, stay professional; it’s good training for any future job. And you never know when your next customer might be a source of information or work opportunities––or simply interesting!



  4. Be a professional when it comes to the more challenging customers. Clearly not all customers are pleasant and some are downright surly or difficult, especially when waiting in long queues or holding unrealistic expectations about what your store can offer them. In such cases, don’t take their ranting or negativity personally. Realize that some people will be mean-spirited no matter what you do or say and that some people are simply out to make trouble, for whatever reason.


    • Be aware that often the more challenging customer has underlying emotional issues, such as anxiety about overspending, anger about something totally unrelated to the store/sale (and you’re sadly an easy victim), a sense of entitlement, etc. It is not personal (which is probably why it hurts even more, as you feel treated like an automaton). Whatever the cause, stay calm and polite, and if you feel you’re over your head, call for your supervisor.

    • Debrief whenever a customer has been especially difficult. Whether it’s encouraged by your workplace culture or not, find at least one team member with whom you can talk through difficult experiences. If your workplace doesn’t already have such an opportunity in place, suggest that learning sessions be implemented to help all of you learn how to better deal with difficult situations in a more professional and constructive manner. Nobody is born knowing how to solve all conflict, and such skill-building should be part of your workplace training.




Edit Part 3: Perfecting Your Sales Techniques



  1. Know the store and the products you are selling. Familiarize yourself with the sales floor layout and which merchandise is located where. Research as much as you can about the products the store/your department sells, and what advantages your store or the products you sell offer over similar stores or competing products. This way, when it’s time to sell a product or service to a customer, you’ll be well-informed and can confidently close the sale.


  2. Train often. Almost all retail stores provide some kind of basic training to new associates, typically outlining the proper procedures of your position and how to handle common customer scenarios. You can never learn too much, either, so feel free to ask management what training options you may have available if you need a refresher.


  3. Help maintain the store. Even if your role is not in logistics coordination, you can make sure that shelves are neat, items are in their correct places, there are no messes or potential hazards around, and that employee areas are safe and adequately stocked.


    • Demonstrate to others how important it is to pick up stock on the floor, rearrange messy stock etc., by simply pitching in and fixing it whenever the need is apparent. You don’t need directions from above to keep the store neat.



  4. Have fun. Most importantly, enjoy what you do and learn from the experience. You never know who you’ll meet and what opportunities your job will bring in the future.



Edit Tips



  • Learn how to cope with stress. There might be times when you’re swamped by several customers, all wanting your attention, all frustrated and perhaps rude. Stay calm, be polite, and try your best to help them.

  • Always stay busy, even when there’s downtime. Find tasks to keep you moving and productive during lulls. Not only will this make the time go by faster, but it’ll help the store and earn respect from your manager(s).


Edit Warnings



  • Don’t share your discontent about your retail job on social media. It will likely be quite easy to identify you and the disloyalty shown will count against you. If you dislike your job, start looking for a new one and keep your thoughts to yourself. A good reference is essential to finding employment elsewhere.


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How to Become an Editor


Editors are responsible for overseeing the quality of publications, whether in print or online. Editors read manuscripts for conformance to the publication style, for grammar and for factual accuracy. They may select works for publication, assist in the publication design and deal with other matters related to the publication. If this kind of work interests you, here are steps to take to become an editor.


Edit Steps


Edit Part One: Putting in the Necessary Work



  1. Read voraciously. In order to hone your craft, you’ll need to develop an eye for good grammar, punctuation and syntax, as well as a sense of how text flows. Reading good quality content will help you sharpen these skills to a razor’s edge.

    • Read newspapers for structure. Newspapers do an excellent job of structuring information from most important to least important. Read newspapers to get a sense of the lede, or main idea of the story, which usually occurs at the beginning of each article.

    • Read fiction for creativity and empathy. Works of fiction tend examine the role of human relationships in shaping meaning and creating happiness (or taking it away). In addition to making you more socially attuned, it can even temporarily boost your empathy.[1] These skills are important for the worldly editor.

    • Read nonfiction for historical context and informational insight. Nonfiction explores the stories of real events and people, which are often stranger than fiction. A good editor will use nonfiction to place stories in historical context and derive useful information from them.



  2. Write every day. You may think that as an editor, you won’t be doing much writing. Disabuse yourself of that idea. Although they aren’t always acknowledged as writers in their own right, editors spend time as much time toying with phrases and molding language to fit their will. Write something every day, whether it’s the casual reminiscing of diaries or the formal analysis of an essay, and stick with it. Don’t make excuses for why you can’t write. Make excuses for why you write as much as you do.


  3. Study vocabulary (even if you know you won’t use it). Vocabulary is an essential part learning how to be well-read and sharp-penned. Editors who constantly play with new words and discover new meanings in words see the world in a more nuanced way. Being a more nuanced thinker is what will set you apart as an editor.


    • Carry a dictionary around with you wherever you go. Maybe your “dictionary” is an app on your phone. Maybe it’s a pocket Merriam-Webster. Whatever it is, use it. Whenever you come across a word you don’t know, look it up and write it down on a list. Browse the list periodically to learn — not just memorize — the meaning of the word.

    • Practice the art of the mot juste. Mot juste is a fancy French phrase, coined by Flaubert, that roughly translates to “the perfect word for the occasion.” Knowing lots of vocabulary, and seeing it in action, will help you choose the mot juste. The best editors and writers seem to pull le mot juste out of their black hats with a beguiling ease.



  4. Feed your natural curiosity. Writers, readers, and editors alike (as an editor, you are all three by default) seem to share an innate curiosity about the world. This curiosity propels them to learn about the world, package up that data in interesting, timely pieces, and present it to others in the hope that their curiosity might be piqued as well.


    • If you get an opportunity to, explore the world. Traveling is an excellent way to learn about different places and different cultures. Put yourself out there and meet people. Have interesting conversations by asking pointed questions. Put yourself in uncomfortable situations. Above all, be a fresh air fiend. Oh yeah — write about everything.



  5. Hone your thinking. In order to be an editor, you need three main mental attributes: creativity, or the ability to think of different permutations on the fly; persistence, or the ability to spend long hours staring at the same sentence; and analytical judgment, or the ability to make quick decisions about something’s significance, place in context, or truthfulness.

    • Surround yourself by people who are smarter than you. If you’re constantly the big fish in the little pond, you’re eventually going to run out of mental stimulation. You’ll get bored. You’ll get the big-head. Surrounding yourself with people who are smarter than you will force you to re-evaluate and think through ideas from the ground up. You might even absorb some smarts by osmosis.

    • Make mistakes. Mistakes are your friend, not your enemy, as long as you learn from them. Don’t be afraid to try out a sentence that ultimately doesn’t work. Take that logical leap that you know is a little too stretched for comfort. Then re-evaluate, and think about where you went wrong. Vow to never make the same mistake twice. This is quite literally how you get better at what you do.




Edit Part Two: Getting Qualified and Looking for a Job



  1. Decide what kind of editor you want to become. Identifying which industry you want to work in and the kind of editing you want to do will help you determine the kind of training you’ll need. There’s a ton of leeway when it comes to deciding what kind of editor you may want to become. Figuring out which kind you’re really drawn to is the fun part!

    • You should enjoy the field in which you wish to edit, such as loving literature to be a book editor or sports to edit a sports magazine. You should also develop your knowledge in that field.

    • Knowing the types of editing can also help you determine what kind of training you need. To become a content editor, you’ll need to improve your writing skills in order to revise the content submitted by others. To become a copyeditor, you’ll need to improve your grammar skills to proofread for grammar and punctuation errors.

    • Some specialty areas, such as legal, technical or medical publishing, may require learning a specialized style guide. Other areas require learning supplemental skills; to work as a design editor, you need to develop layout and graphic design skills.



  2. Consider whether you’d like to go to school in order to eventually become an editor. Many, many people go to college and end up getting a degree in English, but not too many people go to school specifically to become an editor. Although you should absolutely pursue your dream of becoming an editor if you have one, know that many people who graduate with degrees in English regret not having chosen a degree with a more solid economic pathway to freedom.[2]

    • Formal college training is decidedly helpful but not always necessary in becoming an editor. A degree in English, journalism, or communications is helpful in getting an in-house editorial position, and there are degree and certificate programs in writing and editing. However, if you write and edit well, you may be trained on the job.

    • To become a freelance editor, it’s more important to demonstrate the ability to edit than to have a degree, although it may be necessary to get a degree if you seek in-house experience before freelancing.



  3. Gain initial experience through volunteering or internships. If you’re still in college, look for internships that provide you with hands-on experience. If you’re out of college, volunteer your services to charitable and other non-profit organizations or to friends or colleagues, or trade your services with someone whose products or services you need.


    • Some employers use interns as gofers instead of giving them actual editing-related work to do. If in doubt, check with others who have interned there before accepting an internship.



  4. Consider starting off as a ghostwriter or fact-checker. With editing, as with many of other professions, there’s usually a chain of command that you need to slowly work your way up in order to be given the reins. Although it’s not necessary to start off as a fact-checker or ghostwriter, it’s definitely easier to get your foot in the door; once you have your foot in the door and impress people with your timely writing, sharp intellect, and willingness to work, it’s much easier to move up from the inside than it is from the outside looking in.

    • Ghostwriters often learn to work with individual writers and establish long-term relationships with them. The downside is that you won’t necessarily get the credit that you deserve (which is bigger than you might think), but the upside is that you’ll establish a relationship with a writer who knows a lot of other writers and editors. Nurture these connections if possible.

    • Fact-checker jobs are often entry-level, right beside internships. Although normally tedious and having little to do with actual writing, many find the job to be a great way of building journalism chops and networking while angling for a better position. At some publications, such as the New Yorker, fact-checker positions can be prestigious, while at Der Spiegel, they can be numerous.



  5. Market yourself to as broad a range of prospective employers as your specialization allows. Be versatile. Think of yourself as a trusty Swiss-army knife, capable of doing many things at once in many different situations. The more skills and abilities you have under your belt as an editor, the better your employment opportunities will be.

    • For example, you can market your editing skills to aspiring authors as well as to book publishers and book packagers or market your design editing skills to advertising agencies as well as graphic design firms.




Edit Part Three: Making Waves as an Editor



  1. Network with other writers and editors. Other editors can tell you the process they took to get where they’re at and refer work to you when they have too much work or are given a project they can’t handle. Since the work of editors is often overlooked and underutilized, networking is also a great way to stay connected to top jobs and openings.


    • One way to network is by joining a professional editors’ organization. Many have directories of editors already established in the field you may wish to become an editor in.

    • Another way to network is to attend writers’ conferences and conventions associated with the areas you wish to find work in.

    • You can also network through professional social networking Web sites, such as LinkedIn, where you can join groups devoted to writing and editing.

    • Keep in touch with other writers and editors. Send them sincere congratulations when you see something they’re written or edited that you like. Never burn bridges if you happen to leave a job.



  2. Take the jobs or assignments that no one else will take. This advice is applicable to a broad range of jobs, but it especially applies here. If you gain the reputation of being someone who’s willing to tackle tough, unpleasant, or otherwise undesirable assignments, you’ll begin to make yourself indispensable. You’ll probably have no shortage of assignments if you’re in the right kind of job, and you’ll be viewed with the same adoration that a woodworker reserves for his favorite chisel.

  3. Pay attention to getting details exactly right. Unlike sales positions, where the white lie is actually encouraged, or some managerial roles, where the big picture is more important than the details, editors have to get the small things right. Whether it’s being consistent with punctuation in your copy, making sure typos don’t go unnoticed, or simply getting the facts straight, the small things matter more to editors than they do to other professionals, arguably. Editors stake their reputation on the small stuff. They’re definitely worth sweating.


  4. Start to define an issue that you care about. After all the generalization and odd jobs that will probably define your early going as an editor, you’ll begin to learn about the types of books, issues, or categories of work that you enjoy the most. After going broad and superficial early in your career, it helps to be known as the guy or gal when it comes to your specialization.

    • Editors can’t get the Pulitzer prize, but if they could, it would probably go to those who chose to specialize in a particular field. What’s yours? Do you care about human trafficking? Political unrest? Educational innovation in America? Define your own interests so that others have an easier time defining you.



  5. Share your love of the written word. Never stop caring about the best way to present, share, and communicate language so that it encourages other people to do the same. As an editor, your solemn task is to make language easier to understand while communicating as much information as possible.

    • Find someone who you can mentor. They’ll appreciate the guidance and work you give them. On a practical level, they’ll sing your praises to other people, helping bolster your reputation.

    • Appear in the media as a pundit. Be the trusted guy or gal that a news site goes to when they need an interview or a talking head. You’ll have to forge a lot of deep connections to make this happen, but it’s not impossible.

    • Continue to learn new things every day, and delight in them. You finally learned the correct way of conjugating an abstruse word you’ve been getting wrong all the time. Share your learnings with others. Instead of being known as the person who’s too afraid to admit that they made a mistake, be the perfect who lives to discover new things. That’s what’s at the heart of being an editor.




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