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With the holiday shopping season at its height, scammers worldwide are targeting whoever they can for a quick buck 鈥?and a new scheme called synthetic identity fraud is putting more consumers at risk. Synthetic identity is a fake person that is cre stanley cup usa ated by a fraudster that is used to commit different types of financial crime,  said Naftali Harris, the CEO and Co-Founder of fraud prevention company SentiLink.Harris says that, unlike other frauds that are usually spotted and reported by an actual victim, synthetic fraud is harder to detect and usually leaves banks with unexplained financial losses. They ll trick the credit bureau into thinking this is a real person and then actually build credit in the name of a completely fictitious individual,  Harris said.  They trick financial institutions into giving them high limit credit cards, unsecured personal loans, auto loans for luxury vehicles and are able to use these fake people to commit different kinds of financial crimes. Harris says there are two types of synthetic identity fraud.  First person  happens when a consumer gives out someone else s name, Social Security number or date of birth.  Third party  synthetic fraud happens when a fraudster gives banks a fake date of birth, name or Social Security number that doesn t belong to a real person.SentiLink says roughly 70% of all synthetic fraud can generally be tied back to  stanley cups a real person. Loan ap stanley cup plications are a place where suspicious activity shows up.The most recent governmen Layi Survey finds Americans didn  t receive raises this year despite strong economy
Spring is just days away! That means a lot of people are gearing up to  spring clean  their homes. But its also a great time to  spring clean  your health!One of the best parts about spring: more sun shine.   Having sun exposure before noon is scientifically proven to help you with mood and sleep,  says Dr. Kate Johnson, a family medical practitioner.  Dr. Johnson says sunblock is a must for your skincare regimen, and the higher the SPF the better.   Even though we can get vitamin D from the sun, we can take that in a supplement to protect our skin,  she says.  Come spring, there are plenty of new fruits and vegetables in season, including apricots, asparagus, strawberries and artichokes. Unfortunately, when nature is in full bloom, that means allergies are, too. So, before they strike, stock up on nasal sprays.   You want to hop on those right now,  Dr. Johnson says.  I recommend dosing them at bedtime.  When taking care of your health this spring, its a good time to ditch the  I cant exercise  mentality.  If you are not an avid exerciser currently, I recommend starting with walking,  Dr. Johnson recommends.  [Its] a fantastic way to go, and I like to tell my stanley thermobecher  patients to start with 5 minutes i stanley cup s a great start, and we can build as we go.  Remember, no matter the season, sleep is key! Don t let anything come between you and rest. Dr.  stanley sverige Johnson recommends putting you phone down before sleep, as it can interfere with falling asleep.
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