What Is The Best Identity Theft Protection Service For You?

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Identity theft protection companies are a dime a dozen on the internet. There are a few industry leaders who provide great services, but what separates the best from the rest? The services offered by a variety of different identity theft protection services will be examined so you can understand exactly how your identity is being protected. Identity theft protection services are provided for both individuals and families. Their services can be broken down into credit monitoring and reports, protection services, and recovery services.

The first thing you should determine is your budget and whether you want individual or family protection. Most protection services are offered at a price range from $5-25 a month. Most services will provide discounts for longer terms, like annual subscriptions. Obviously if you have a family you will want to protect their credit as children are commonly targeted due to their clean credit history’s. You should find some reviews of identity theft protection services you are interested in. While most services will provide a guarantee of their service level in the form of identity theft insurance, you should take care to read the policies of an identity theft reimbursement insurance plan before making the purchase.

Credit monitoring includes your credit reports and in some cases scores from credit bureaus. You can usually read through the report in your dashboard. Many services also proactively monitor the web for private and public records with reference to your identity. Companies like LifeLock will automatically opt you out of pre-approved credit offers and take further proactive action to prevent your identity from being stolen. Markets which sell and otherwise expose identities are also monitored for your identity. When your information is removed from these malicious websites an identity protection service will continue to monitor the page for a repost of your information, so it can be removed again.

Recovery services offered by identity protection companies include assistance with cancelling your cards when they are lost or stolen and 24/7 access to credit experts. Most companies offering these services have exclusive contacts with crediting companies, and if necessary, will make contact with a creditor to resolve misuse of your identity. Any misuse of your identity with government agencies and private companies will also be cleared up.

If you are not currently protected you may want to consider subscribing to an affordable identity protection service. There are many options to choose from and with identity theft affecting nearly 10 million Americans everyday.

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I Dare You! By William H Danforth – A Book Review

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Title and Author: I Dare You! by William H. Danforth

Synopsis of Content:

In this mid 20th Century motivational classic the author, a successful businessman and crusader for youth programs in St. Louis, Missouri, William Danforth dares you and any other reader to do great things and to be great. Originally published in 1953 it has been republished by several sources in recent years.

Although the book is aimed at youth and young adults challenging them to become more than they might first believe possible it has motivational value for all ages. Danforth was a strong believer that we limit ourselves and that by seizing opportunity and believing in our virtually unlimited potential we could exceed all expectations, including our own, and dare to be great.

In addition to providing raw motivational material the book discusses seven primary areas, called “dares” where the author challenges the reader to go deeper and strive further in life. They include adventure, accomplishments, strength, creativity, magnetic personality, character, and the willingness to share what you have. These qualities will be recognized as common to most success books and materials published over the past two centuries. What distinguishes Danforth’s little book is his framing his challenge as a dare.

While the attributes which Danforth promotes are found in works by Marsden, Hill and others the daring approach used by this author is unique. It appealed to the young and youthful, whether it be the high school aged children who attended his summer camps or the young men entering the business world.

Readability/Writing Quality:

The Executive Books edition is only 144 pages. It is easy to read, having been aimed at young people. It may appear somewhat na├»ve and simplistic by today’s standards. However the motivational truths in this work are no less true today than they were over 60 years ago.

Notes on Author:

William Danforth was the founder and long time President of the Ralston Purina Company. He also served as President of the American Youth Foundation and was very active in the YMCA. During his summers he devoted his time to training and helping less fortunate young people at summer camps in Michigan and elsewhere. He died in 1956.

Three Great Ideas You Can Use:

1. “Wealth, notoriety, place, and power are no measure of success whatever. The only true measure of success is the ration between what we might have done and what we might have been on the one hand, and the thing we have made and the thing we have mad of ourselves on the other”.

2. Each of us has four hidden giants or resources which we must develop constantly to attain greatness. These include the physical, the mental, the social and the spiritual aspects. To attain a balanced and powerful life you must nourish each of these aspects fully.

3. Continuous learning and improvement are essential to achievement. The author recommends a program of reading not less than one book per month. It will pay you back many times.

Publication Information:

I Dare You! by William H. Danforth. Copyright 2009 by Executive Books in the form presented in their publication. Published by Executive Books, Mechanicsburg, PA.

Over-all Rating for Book: Fair

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Travel Insurance Quotes – Make Sure You Understand Your Choices

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Before heading out to your next vacation, you need to stop and think about the consequences involved with traveling.  While people normally tend to be excited over making vacation plans, they also need to realize that accidents can happen and illnesses may occur. Don’t forget about the dangers and risks involved-make sure you add getting travel insurance quotes to your plans.

There are many different companies to choose from, and the internet is a great place to find out about these companies and to get travel insurance quotes from them.  However, you shouldn’t just automatically go with the first cheap policy you come across.  This is because there are some companies that exaggerate their worth.

Take the time to read all the package details, and make sure you understand exactly what each package offers when comparing travel insurance quotes.  Check to see what all insurance agencies each company is affiliated with.  Obviously, the most reliable and trustworthy companies are the ones affiliated with major insurance agencies.

When you’re presented with travel insurance quotes that suit your preferences and needs, read reviews about the companies and packages to make sure that your investment will be sound.  Sometimes other travelers will share horror stories about bad insurance policies as a way to warn others not to make the same mistakes they did.  Read their reviews and take their advice into consideration.

All of this may seem like a hassle, and you may find yourself frustrated when evaluating different travel insurance quotes.  The decision you make, though, could very well save your life.  Your finances will also be protected, so you’ll be able to travel at ease without having to worry so much about your luggage and money.

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Four Christmas Gifts For Kids That Don’t Involve Video Games

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More and more these days kids seem to be wanting video game systems for Christmas and if it’s not the video game systems then it is one of the many accessories or games that go with them. By the time we are done buying the system, the games, and everything else there is little room for more traditional gifts, those gifts that expand a child’s mind, that teach them important social skills, and that will help them learn about the importance of fair competition. We don’t want our children’s childhood to be all about sitting in front of a video game though so we need to give them gifts that will inspire them to do more than pick up a controller and live in a world that is all fantasy. Not only is it not healthy to be so inactive but it is not healthy to have such limited experience. Limited experience leads to limited point of view and ultimately limited opportunity, two things that we do not want to bestow on our children. We as parents have the responsibility of showing our children that there are other things out there for them to enjoy if they just take the time to discover what those things are. We can start by giving them creative Christmas gifts that will have them doing something besides pushing buttons and sitting in front of a television or computer monitor all day. Listed are four classic Christmas gifts that have nothing to do with video games and everything to do with important lessons and learning experiences.

Board Games – Board games are a great way to teach children about the value of a good, fair competition but many parents these days just assume that kids will not play board games because they have video games so they don’t buy them for them. The fact is if we do buy them and then actually play them with our children they will probably find that they enjoy the friendly competition and the time spent with the family.

Science Projects – Simple, safe science projects that can be found at most toy stores are a great way to expand your child’s mind. Such projects as volcanoes, home made tornadoes, and chemistry sets are a great way to instill a sense of wonder in your kids and they will have a great time completing the projects and so will you.

Models – Model cars, boats, airplanes, and motorcycles are another great way to expand your child’s mind. And the best part about these as that they will have a great new decoration for their room as well and they can show off their modeling skills at the same time.

Art Sets – Art sets will give your child what they need to explore their creative side before they get to the age where they just assume that they have no artistic talent. Whether it is painting supplies, drawing supplies, or anything else it will be a great way to get your child thinking about more than their video game system.

This year give your child the gift of creativity and important life lessons by giving them something besides video games and you will surely be glad that you did.

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Reviewing the Game of Blackjack

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Online blackjack has surpassed the expectations of many game experts and players as well. The game of blackjack has created new and exciting experiences for many avid players. That’s why this game became the latest trend in the online gaming business. Blackjack has really come a long way. It has a rich history which can be traced during the time of King Louie, the 14th of France. Blackjack, perhaps, is one of the games which will definitely provide players with mixed emotions of excitement, tension and satisfaction.

Why should you play blackjack?
The game of Blackjack was also called Lucky 21 because the main objective of this game is to have a hand with the value closest to 21. Many players would often speculate that blackjack is a very complicated game, but in reality, this game is very easy to learn. In order for a player to win in this game, the player must know how to count and that’s it. If a player knows how to count the cards correctly, the player will have a greater chance of winning the pot. The main question though is – Why should you play blackjack?

Honestly, the game of blackjack is not that difficult to understand. Even a beginner can play this game without having any practice. A player should only be watchful of the cards being dealt by the house, and the player must only create a hand that adds up to 21 or close to it. If you want to win in this game, you must beat the house by creating a hand with a value that adds up to 21 or closer.

Many players are now enjoying the game of blackjack for the following reasons. First of all, blackjack is a game which provides players with the opportunity to meet new people. On the downside, online blackjack may somehow give you a smaller chance of meeting new people, unless you join the live dealer blackjack game. Blackjack is considered as one of the famous casino games, both land-based and online, because players can develop many strategies and tricks in order to win the game, and in return, the player experience a great amount of pleasure from it.

If you are a beginner, you must not worry because blackjack is quite easy to learn. Many online casinos are offering free tutorials for players who want to do well in blackjack. Online casinos also offer free games for those who want to practice their skills and strategies before joining the real event. The pleasure and the opportunity to win are the factors that make this game even more popular, and the fanatics will continue to grow in number for the years to come.

The upside and downside of online blackjack.
Although many players are becoming die-hard fans of online blackjack, many traditional players are still having doubts about the fairness of the online blackjack. In the traditional blackjack, players will have the firsthand experience of the actual game. The player will see the cards face to face, and the player will definitely be sure of the reactions of the dealer and the opponents.

On the other hand, online blackjack can be played in the comforts of your own home. If you are playing the traditional online blackjack, you will be dealing with a virtual dealer, and you will not see the reactions of your opponents. The only ways that you can read your opponents is through card movements and live chatting.

When it comes to security, land-based casinos have security cameras and casino managers which are always available to monitor your gaming experience. On the other hand, online blackjacks are powered by software. It also pays to know that it is possible that these softwares can be used for cheating, so the player should choose a reputable online casino to ensure that he or she will get his or her money’s worth.

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Perfect 50th Birthday Presents For The Sports Fan

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Need an idea for a 50th birthday present? Well, if the birthday girl or guy is a sports fanatic, I’ve got some great ideas for you. Why settle for buying the same old stuff when a sports-themed gift will show that lucky 50-to-be just how much you care? When it comes to ideas for perfect gifts for sports fans, there are plenty of ideas to choose from. Follows are just a few “fan”tastic ideas for you to consider.

Autographed Memorabilia

Every sports nut loves getting a ball, card, or any item autographed by their favorite hero. Luckily these items are pretty easy to find on eBay or in hobby shops around the country. There are also websites that specialize in autographed memorabilia. The prices vary depending on the rarity and condition of the item but you should be able to find something to fit every budget.

Sports-Themed Gift Basket

Gift baskets aren’t just for women anymore! Men and ladies alike will enjoy a gift basket filled with items representing their favorite sport or game. One idea for a baseball basket could contain a baseball (autographed or not), a baseball coffee mug, a couple of favorite player’s baseball cards (rookie cards are usually the most wanted), and maybe a couple of tickets for a game in the future. You can substitute items for any sport, hunting, fishing or even games such as bridge. This custom and personal gift is guaranteed to be a big hit at any birthday bash!

Monogrammed Or Personalized Balls

Inexpensive yet very personal presents, monogrammed balls provide a sense of pride every time the birthday guy or gal plays their sport in the future. You can find companies online that are willing to put initials on just about any type of ball. Other sports-related items, such as bats, shoes, and gloves can also be monogrammed. Personalized sports items are imprinted with a logo or motto, something other than initials. It may be harder to find a company doing personalized than monogrammed but those golf balls with the “Chin Up!” motto on them are well worth it.

Sports Scene Shadowbox

Shadowboxes are customized similar to gift baskets. However, the items in the shadowbox remain in the shadowbox and are displayed usually on a wall or thin shelf. Most of the time when creating a shadowbox, miniature items are used to create a scene relating to the theme. For example, for a fishing shadowbox, you may have a little boat on a little imitation pond with a couple of people fishing as the imitation sun comes up in the background. Shadowboxes are mostly used to give the owner a sense of nostalgia or escape from reality.

These are just a few ways to celebrate the sport of choice with 50th birthday presents. With a little imagination and some research, there are endless options for the sports fan’s big day!

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Disaster Recovery Services Help Companies Stay in Business

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Most companies have a plan for addressing unexpected issues, but many lack a plan for surviving a climactic event such as an earthquake or pandemic. Although most companies never experience such an event, those that do can go out of business unless they have a business recovery plan in place-a plan that is tailored to their   unique  needs by a provider of disaster recovery services.

The Reality of Data Loss

Since the beginning of organized commerce, companies have used important information to help them make sales. In the past, this information was held as common knowledge or stored in physical filing systems. Today, it is stored mainly in computers-devices that simplify data storage, but can be more susceptible to destruction than physical files. For example, research shows that most disk drives malfunction when they are dropped from a height of three feet, and tape cartridges do not fair much better.

The solution, of course, is not to revert to storing data in physical filing systems, but to store it offsite on the servers of a disaster recovery service. How important is storing data offsite? Consider the following statistic: After experiencing a major data loss, seventy percent of small companies close their doors within a year. The same thing can happen to large companies when a major event destroys onsite data and a recovery plan is not in place.

Choosing a Provider

The first step in choosing a provider of disaster recovery services is to realize that a business recovery plan consists of more than offsite data storage. Many companies offer cloud-based storage, but few companies combine cloud-based storage with a full range of recovery options. With this in mind, companies should concentrate on evaluating providers that offer the following options as a part of the recovery plan:

  • Hardware on demand– When an event destroys a company’s hardware, having data stored offsite is just one part of the solution. The company also needs hardware on which to recover the data, and use until a permanent solution is reached.
  • Recovery testing– Given the serious nature of data loss, a company must test the recovery plan before it goes into effect. The test should be conducted using the hardware the company would use if the plan were carried out.
  • Center-based solutions– Some companies require conditioned floor space to test and/or carry out the recovery plan. The provider should accommodate this requirement.
  • Basic and advanced options– Because different companies have different needs, the provider should offer basic and advanced options that meet the needs of every customer.

These options provide companies with a complete recovery plan, one that is testable, supportable with hardware on demand, and anticipates the needs of the recovery environment.

Conclusion

A business recovery plan from a provider of disaster recovery services helps companies remain solvent in the wake of events such as earthquakes or pandemics. If your company is not protected against such events, identifying service providers based on the information above is a good place to start.

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Fairline Phantom 40 Boat Review – Boat Buyer’s Guide on Second-Hand Fairline Phantom 40’s

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Overview

The Fairline Phantom 40 is a very popular flybridge cruiser, held in high regard by boat owners and the industry alike. This boat combines the practicality required for serious, long-distance cruising with the spaciousness and comfort to accommodate four people with an exclusive blend of privacy and sociability. The Phantom 40 is a boat that should feature on the wish list of anyone looking for a second-hand family-friendly flybridge cruiser.

Who and what is the boat designed for?

The Fairline Phantom 40 is a power cruiser built to cross large expanses of water with ease. It features wider side-decks, heavy-duty hand railing, deeper flybridge steps, elevated helm position, and many other sound, sensible design decisions. This boat is a good choice for anyone who enjoys sharing their love of luxurious high-performance cruising with friends and family.

What commentators say about this flybridge cruiser

The Fairline Phantom 40 is strongly influenced by the runaway success of the Phantom 50, drawing upon many of her design insights.

The distinctive ellipses that characterise the Phantom 40’s exterior and interior give her a graceful yet purposeful air that will stand out, even in the busiest of marinas.

The Fairline Phantom 40 perfectly captures that elusive blend of privacy and sociability that is the secret behind successful onboard entertaining.

Model variations

If you’re thinking of buying a used Fairline Phantom 40, you can choose from a range of variations.

  • The Phantom 40 (Mk1) launched in September 1994, with 68 built up to December 1996.
  • The Phantom 42 was launched in 1997, following a facelift, and ran until December 1999, with 116 built in this version.
  • These early models were fitted with a choice of Volvo TAMD63L engines (318hp each) or Volvo TAMD63P (370hp each).
  • The Phantom 40 (Mk2) ran from January 2002 to September 2009, with 118 built.
  • This model was originally fitted with Volvo TAMD63P (370hp each), replaced by Volvo D6/370 (370hp each) or Caterpillar 3126 (426 hp each)

Specifications

  • Length of hull (bow to aft end of bathing platform including gunnel): 39ft 6in (12.04m)
  • Length overall (including gunnel): 41ft 1in (12.52m)
  • Beam (including gunnel): 12ft 11in (3.95m)
  • Number of berths: 4 – 6
  • Draught: 3ft 2in (0.97m) unloaded
  • Height above waterline (including arch + navigation light mast): 14ft 10in (4.52m)
  • Transport height (approximate): 14ft 3in (4.35m)
  • Dry weight (approximate): 11.4 tons (11,600kg)
  • Fuel capacity: 220 gallons/265 US gallons (996 litres)
  • Water capacity (including calorifier): 99 gallons/118 US gallons (450 litres)
  • Engine recommendations (twin): from 740mhp to 870mhp

What’s great about the Fairline Phantom 40?

  • Good stability.
  • Excellent visibility from both helm positions.
  • Easy to manoeuvre.
  • Hulls are stronger than any other competitor, according to Fairline.
  • Large fuel capacity.
  • Very secure.
  • Quality finish inside and out.
  • Spacious interior, with two good-sized heads.
  • Plenty of storage.
  • Luxurious design.

What to look out for on a pre-owned Fairline Phantom 40

If you’re buying a used Phantom 40, our engineers have reported some things to watch out for and potential faults that might occur on this boat from time to time.

  • Access around the engines is tight.
  • When taking the radar arch down for transport, the boat is prone to water leaks and electrical problems affecting the items on the arch. This will show as staining of the head linings in the saloon and dark discolouration of the cherry wood panels. To avoid the problem, ensure that the build up/break down is carried out by a professional when transporting the boat.
  • Metal blinds in the saloon can suffer from corrosion.
  • Cherry wood panels can “bloom” if the boat has had excess humidity. A white sheen will show behind the lacquer.

Keeping your Fairline Phantom 40 in shape

When buying a used Fairline Phantom 40, regular scheduled servicing and attention to some minor points will keep your craft in top condition.

Regular servicing

Carry out regular engine and drive servicing in line with Fairline’s recommended intervals for the Phantom 40.

Maintenance

  • Check the steering reservoir is up to pressure.
  • Keep the bilge dry to avoid humidity and condensation.
  • Always keep batteries well charged.

Laying up

  • When turning off fridges, leave doors open to avoid mould.
  • Put the windscreen nets on to keep out the harmful UV that will bleach the wooden surfaces.
  • Keep the flybridge covered with a tonneau or console cover.

Model-specific repairs

The Fairline Phantom 40 is not known for needing specific repairs more frequently than other boats.

Why buy a pre-owned Fairline Phantom 40?

This boat offers a great balance of performance, luxury, spaciousness and practical design. The Phantom’s secure, sea-going qualities and refined comfort will give you, your family and friends enjoyable, safe and luxurious cruising, wherever you sail.

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Michael Card Songs – Don’t Keep Them in a Box

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Some Michael Card Songs that appear on certain albums appear to be written for a certain purpose. What if we expand their purpose? What if their value is NOT   unique  to a certain group or time of year?

1. Song of Jesus

Song of Jesus is written to be calming. It is supposed to help assuage fears and worries so that sleep might be attained. Did you stop having fears and worries when you outgrew your crib? It is possible, even likely, that your fears and worries increased the older you got. Song of Jesus has an encouragement to trust and rely upon Jesus. This is not a message outgrown.

This song is on Michael Card’s Sleep Sound in Jesus album. It is supposed to be a lullaby. It is a lullaby. But, why limit it to the lullaby category? As with many of the songs on this album, they are enjoyable for adults too.

Favorite line: “If He could cause the storm to clear, He’ll calm the tempest of your tears. If He could cause the dead to rise, at dawn He’ll open up your eyes.”

2. Joseph’s Song

Often sung during Christmas time, this song is written from the viewpoint of Saint Joseph, the foster father of Jesus. He is wondering how in the world is he supposed to be the guardian of God’s son. Saint Joseph is overwhelmed. Joseph would not have been the first person and certainly will not be the last person to feel unqualified to accomplish what God has asked of her/him. His situation is profound. People can relate to being overwhelmed by their circumstances. However it does not stop being profound and relatable come January, February or even September. So listen to this one all-year-around.

The best line in the song is, “Father, show me where I fit into this plan of yours.” This sentiment is something many believers struggle with during any time of the year.

3. Come, Worship the Lord

This song is based on Psalm 95. It is a call to worship the Lord. The title of the Psalm in the Bible is “A Call to Praise and Obedience.” Michael Card was criticized for his work on this song. He probably would not have been if he had written it. Come, Worship the Lord was written by John Michael Talbot, a Catholic. The two combined their works in the album Brother to Brother. The album contained some of each of their songs and all of them were performed as duets by the praise and worship songsters.

Praising God is not limited to Catholics. Praising God is not limited to Protestants. Why would anyone who believes in God be offended by someone praising Him?

Favorite line: “Come, let us bow down and worship, bending the knee before the Lord, our Maker.”

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