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	<title>Soropa Blog &#187; Life Of Mathematics</title>
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	<pubDate>Fri, 03 Sep 2010 11:30:18 +0000</pubDate>
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		<title>Effects of Algebra</title>
		<link>http://soropa.com/archives/2010/08/13/effects-of-algebra/</link>
		<comments>http://soropa.com/archives/2010/08/13/effects-of-algebra/#comments</comments>
		<pubDate>Sat, 14 Aug 2010 04:01:21 +0000</pubDate>
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		<category><![CDATA[Education Resources]]></category>

		<category><![CDATA[Life Of Mathematics]]></category>

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		<guid isPermaLink="false">http://soropa.com/archives/2010/08/13/effects-of-algebra/</guid>
		<description><![CDATA[Algebra is good at differentiating relationships between things that vary from time to time. For example, the relationship between a person&#8217;s income and rise of his expenses could be found and calculated using simple algebraic equations. Math is not an easy subject for a large percentage of pupils. Many software applications are available with a [...]]]></description>
			<content:encoded><![CDATA[<p>Algebra is good at differentiating relationships between things that vary from time to time. For example, the relationship between a person&#8217;s income and rise of his expenses could be found and calculated using simple algebraic equations. Math is not an easy subject for a large percentage of pupils. Many software applications are available with a mixed bag of content presentation so students able to handle any capacity of learning algebra can work around the subject without difficulty. These software titles  also facilitates students to comprehend importance of Algebra in real life as well as in industry solutions. Broader functions used in algebra include <b>Graphing radical inequalities, Solving compound inequalities,  <a href="http://www.gre-test-prep.com/solving-quadratic-equations-by-graphing.html">Solving quadratic</a>  inequalities, Adding and Subtracting matrices etc</b>.<br />
Algebra is an important course of study but students can be demoralized initially if they do not work hard enough in early stages. This makes elementary math skills important to help students successfully advance from algebra and advance into postgraduate math with confidence.</p>
<h2>How to Successfully Tackle Algebra</h2>
<p>Instrumental <b>algebra software applications</b> provide more than what can be found in the students textbook, such as homework help, interactive lesson plans, games and a worksheet tool or <b> <a href="http://www.graph-inequality.com/investigating-liner-equations-using-graphing-calculator.html">graphing calculator</a> </b>. The high quality software will have all these features as well as easy usability and coverage of wide area of subjects.</p>
<p>Such instructional tools come in handy when various forms such as audio, video, animations and games are put in to use in order to teach the lessons. Schools and colleges require that students  <a href="http://www.algebra-calculator.com/solving-quadratic-equations-by-completing-the-square-1.html">complete algebra courses</a>  from pre-algebra to algebra II. Important topics in these courses are: <b>Finding complement of an angle, inverse of functions, finding degree of polynomial, determine if line is horizontal</b></p>
<h2>How to Operate Algebra Software</h2>
<p>Some <b>algebraic software</b> shows results only, while some other (most suitable for elementary use of algebra) show all the steps as well as explanations of math basics that are in use. The most powerful software feature from the students perspective is the ease of use. Thus, the software should be bundled with value added options like high quality and timely user assistance, coordinated help options, and simply explained math tutorials.</p>
]]></content:encoded>
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		<title>Hard Science: Algebra</title>
		<link>http://soropa.com/archives/2010/06/18/hard-science-algebra/</link>
		<comments>http://soropa.com/archives/2010/06/18/hard-science-algebra/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 12:27:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Education Resources]]></category>

		<category><![CDATA[Life Of Mathematics]]></category>

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		<guid isPermaLink="false">http://soropa.com/archives/2010/06/18/hard-science-algebra/</guid>
		<description><![CDATA[Algebra describes relationships between things that vary over time. These variables include things such as the relationship between supply of an a product and its price. Maths is not an easy subject for almost all students. Many software programs are available with a variety of subject area explanations so students of whatever intellectual level can [...]]]></description>
			<content:encoded><![CDATA[<p>Algebra describes relationships between things that vary over time. These variables include things such as the relationship between supply of an a product and its price. Maths is not an easy subject for almost all students. Many software programs are available with a variety of subject area explanations so students of whatever intellectual level can find the way that works for him/her. These software titles  also serves students to comprehend importance of Algebra in real life as well as within industry levels. Deeper functions used in algebra include <b>Graphing  <a href="http://www.algebra-tutoring.com/solving-compound-linear-inequalities-3.htm">non-linear inequalities</a> ,  <a href="http://www.www-mathtutor.com/solving-compound-linear-inequalities.html">Solving compound</a>  inequalities,  <a href="http://www.mathsite.org/solving-compound-linear-inequalities.html">Solving quadratic inequalities</a> , Adding and Subtracting matrices etc</b>.<br />
Although algebra is an easy to follow course of study, students may face a lot of trouble if they do not practice the basic concepts hard enough. This makes fundamental math skills central to help students successfully advance from algebra and promote into more high-level math with authority.</p>
<h2>How to Successfully Deal With Algebra</h2>
<p>The algebra software on offer in the market today offer far more useful guidelines and help than what is included in formal textbooks, such as homework help, interactive guidelines, games and a worksheet tool or <b>graphing calculator</b>. The high quality software will have all these features as well as easy usability and coverage of wide area of themes.</p>
<p>Such instructional tools useful when various forms such as audio, video, animations and games are put in to use in order to teach the lessons. All the important topics should also be covered from Pre-Algebra through Algebra II. Important topics normally include: <b>Finding complement of an angle, inverse of functions, finding type of polynomial, determine if line is , determine if line is parallel, determine if parabola opens down, determine if relation is a functions etc.</b></p>
<h2>How to Operate Algebra Software</h2>
<p>Some <b>algebraic software</b> shows results only, while other (most suitable for elementary use of algebra) show all the steps as well as explanations of math theories that are being used. For students, ease of use of the software is the number one requirement. Thus, the software ought to be loaded with value added features like high quality and timely user support, enclosed help options, and easily laid out algebra wizards.</p>
]]></content:encoded>
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		<item>
		<title>Should You Take Algebra?</title>
		<link>http://soropa.com/archives/2010/06/01/should-you-take-algebra/</link>
		<comments>http://soropa.com/archives/2010/06/01/should-you-take-algebra/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 00:19:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Education Resources]]></category>

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		<guid isPermaLink="false">http://soropa.com/archives/2010/06/01/should-you-take-algebra/</guid>
		<description><![CDATA[Algebra is a powerful branch in Mathematics, which deals with equations, inequalities, fractions and expressions. Being one of the leading subsections of mathematics, it forms an whole part of basic education. Concepts in combinatorial mathematics, variables, polynomials and factorization are the main areas which algebra deals with. more advanced levels of algebra also deals with [...]]]></description>
			<content:encoded><![CDATA[<p>Algebra is a powerful branch in Mathematics, which deals with <b>equations, inequalities, fractions and expressions</b>. Being one of the leading subsections of mathematics, it forms an whole part of basic education. Concepts in combinatorial mathematics, variables, polynomials and factorization are the main areas which algebra deals with. more advanced levels of algebra also deals with symbols and set theory where the computation of unknown values is made possible based on certain predetermined facts.</p>
<h2>Algebra and its Relationship with Geometry</h2>
<p>Geometry brings into play the complete use of algebra to graph a circle, a hyperbola, a parabola or even finding the focus of a hyperbola. From the very fundamental operations of computing the midpoint of a line or the radius of a circle to the more complex operations of determining if a parabola opens up or to compute its directrix, algebra makes its presence visible to a high level of purpose in the field of geometry.</p>
<h2>Algebra - Solving Equations &#038; Exponents</h2>
<p>Equipped with knowledge on how to play around with algebra,  <a href="http://www.linear-equation.com/solving-equations-involving-rational-exponents.html">solving equations involving</a>  linear, quadratic or radicals will be no issue. Using algebra as a weapon one can solve inequalities and even graph systems of <b> radical equations</b> and <b> non-linear inequalities</b>. Playing with exponents is no longer an issue when you start using  algebra. Algebra works with the Laws of exponents by facilitating one to add, subtract, divide and multiply  <a href="http://www.www-mathtutor.com/solving-equations-involving-rational-expressions.html">expressions with ease and assurance</a> .</p>
<h2>Evaluate Fractions and Polynomials  - Using Algebra Calculators</h2>
<p>Whether you have problems in solving, comparing or converting fractions, algebra solvers can work their magic for you. The modern software that supports solving algebraic  <a href="http://www.pocketmath.net/solving-equations-involving-rational-expressions.html">expressions are able to solve</a>  any math problem easily and in no time. even, complex matrix equations like inverse matrix and other matrix operations could be solved using <b>algebraic calculators</b>. Thanks to the algebraic solvers, simplifying algebraic expressions, which may involve factoring polynomials or involves determination of the <b>least common multiple</b>, has now been made a very easy job.</p>
<h2>Professional Help at an Arm&#8217;s Reach</h2>
<p>Students often get professional help from private instructors who will provide you with a step-by-step answer for your problems. <b>Math private instructors</b> are at your disposal for those complicated problems which can get you easily bugged. The <b>math solver software</b> that is widely available in today&#8217;s market provide countless options to suit a student&#8217;s every need. When it comes to algebraic software, you will find different functions from algebraic calculators to other functions that can tackle any math problem.</p>
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		<title>The Algebra Gain</title>
		<link>http://soropa.com/archives/2010/02/16/the-algebra-gain/</link>
		<comments>http://soropa.com/archives/2010/02/16/the-algebra-gain/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 12:03:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Education Resources]]></category>

		<category><![CDATA[Life Of Mathematics]]></category>

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		<guid isPermaLink="false">http://soropa.com/archives/2010/02/16/the-algebra-gain/</guid>
		<description><![CDATA[Algebra is good at  differentiating relationships between  things that vary from time to time. For example, the relationship between a person&#8217;s income and advancement of his expenses could be discovered and calculated using easy algebraic equations. Mathematics is not an easy subject for almost all students. Many software programs are available with a [...]]]></description>
			<content:encoded><![CDATA[<p>Algebra is good at  <a href="http://www.sofsource.com/adding-and-subtracting-rational-expressions-with-different-denominators.html">differentiating relationships between</a>  things that vary from time to time. For example, the relationship between a person&#8217;s income and advancement of his expenses could be discovered and calculated using easy algebraic equations. Mathematics is not an easy subject for almost all students. Many software programs are available with a assortment of theme demonstration so students able to handle any capacity of learning algebra can work around the subject without difficulty. These software titles  also facilitates students to understand utility of Algebra in real life as well as in industry levels. Larger functions employed in algebra include <b>Graphing non-linear inequalities, Solving compound inequalities, Solving quadratic inequalities,  <a href="http://www.algebra-help.org/adding-and-subtracting-rational-expressions-with-different-denominators.html">Adding and Subtracting matrices</a>  etc</b>.<br />
Although algebra is an easy to follow course of study, students may face a lot of trouble if they do not practice the basic concepts hard enough. This makes fundamental math skills important to help students successfully pass algebra and advance into broader math with self-assurance.</p>
<h2>How to Successfully Tackle Algebra</h2>
<p>The algebra software on offer in the market today offer far more useful guidelines and help than what is included in formal textbooks, such as homework assistance, interactive guidelines, games and a worksheet tool or <b>graphing calculator</b>. The most useful software have all of these elements - ease of use and covering of all the topics.</p>
<p>Such instructional tools useful when various forms such as audio, video, animations and games are put in to use in order to instruct the lessons. Schools and colleges require that students complete algebra courses from pre-algebra to algebra II. Important topics in these courses are: <b>Finding complement of an angle, composition of functions, finding type of polynomial, determine if line is Laws of exponents,  <a href="http://www.algebra1help.com/adding-and-subtracting-rational-expressions-with-different-denominators.html">subtracting rational expressions</a> , finding equivalent fractions and Solving compound in equalities etc</b></p>
<h2>How to Use Algebra Software</h2>
<p>Some <b>algebraic software</b> would only show results, while some other (much more suitable for elementary algebra) show all the steps as well as explanations of mathematical theories that are in use. The most important software feature from the students perspective is the ease of use. Thus, the software better be loaded with value added options like high quality and timely user support, embedded help options, and easy to understand algebra wizards.</p>
]]></content:encoded>
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		<item>
		<title>Uses of Algebra</title>
		<link>http://soropa.com/archives/2009/06/29/uses-of-algebra/</link>
		<comments>http://soropa.com/archives/2009/06/29/uses-of-algebra/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 06:26:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Education Resources]]></category>

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		<guid isPermaLink="false">http://soropa.com/archives/2009/06/29/uses-of-algebra/</guid>
		<description><![CDATA[Algebra as a Scientific Field of Study
Algebra scientific discipline is the arm of mathematics that is interested in the study of structure, relation, and quantity. Algebra handles working with numbers, variables,  sets of elements and also matrices as in  linear algebra . You can count on algebra as one of the most consequential [...]]]></description>
			<content:encoded><![CDATA[<h2>Algebra as a Scientific Field of Study</h2>
<p>Algebra scientific discipline is the arm of mathematics that is interested in the study of structure, relation, and quantity. Algebra handles working with numbers, variables,  sets of elements and also matrices as in  <a href="http://www.pocketmath.net/writing-linear-equations-in-slope-intercept-form.html">linear algebra</a> . You can count on algebra as one of the most consequential branches of mathematics, if not the most outstanding. Algebra includes categories such as <b> <a href="http://www.doyourmath.com/linear-equations-in-one-variable.html">Linear algebra</a> , Universal algebra and Algebraic geometry</b>.</p>
<h2>Require Help in Studying Algebra?</h2>
<p>Diverse software applications have been programmed to help students studying algebra at different levels, such software help pupils to go through their courses of study step by step and develop <b>algebraic problem solving techniques</b>. Nearly all cases of algebraic problems can be worked out using these software applications because they support and aid to work around different cases of equations, formulas and inequalities. If you&#8217;ve been fighting to solve quadric, simultaneous, exponential or radical and  <a href="http://www.softmath-algebrator.com/graphing-linear-equations-in-two-variables.html">linear equations</a> , you need not worry any more. These software applications most probably will contain an algebraic course of instruction plan and a wizard too; Moreover, <b>algebra calculating systems</b> facilitate a lot of algebraic functions for students interested in mathematics.</p>
<h2>The Big Picture on Algebra</h2>
<p>most students forever wonder why we learn algebra; they can see no good reason behind it. Well, if we were to talk about algebra benefits, then it has both direct and indirect gains, which I think, algebra students should be made aware of. The indirect benefit of studying algebra could be explained in working the brain in an organized pattern. As for the direct benefit, algebra has a mass of applications in different scientific disciplines and industries.</p>
<p>Actually, algebra applications cover a lot of real life aspects such as in industries etc, for  example in information technology development or business forecasts. It is also used, in various science researches like physics, quantum mechanics, Informatics and even in the military; one such aspects which will be considered briefly in this article is the <b>algebra applications in programming</b>. </p>
<h2>Algebra in Programming</h2>
<p>Comparative algebra constructs were the rudimentary steps for the relational database concept. Also, elementary algebra was used in simulating of complex XML models and progressing XML database management systems. Moreover, we can pinpoint usage of algebra for ROM-based Procedural Language and ALF- Algebraic Logic Functioning programming language. Some other advanced programming languages developed for the purpose of solving algebraic problems as <b>AML-Algebraic Modeling Language</b>, where this language describes the complicated problem, such as <b>compound optimization problems</b>, then calls certain external algorithms to solve the problem.</p>
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		<title>Can You Understand Algebra?</title>
		<link>http://soropa.com/archives/2009/04/05/can-you-understand-algebra/</link>
		<comments>http://soropa.com/archives/2009/04/05/can-you-understand-algebra/#comments</comments>
		<pubDate>Mon, 06 Apr 2009 01:34:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Education Resources]]></category>

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		<guid isPermaLink="false">http://soropa.com/archives/2009/04/05/can-you-understand-algebra/</guid>
		<description><![CDATA[Algebra is an important concept in Mathematics, dealing with equations, inequalities, fractions and expressions. Being one of the major sections of mathematics, it forms an whole part of basic education. combinatorial mathematics, variables, polynomials and factorization are some of the mainstream areas that is being dealt by mathematics. advanced level algebra also deals with symbols [...]]]></description>
			<content:encoded><![CDATA[<p>Algebra is an important concept in Mathematics, dealing with <b>equations, inequalities, fractions and expressions</b>. Being one of the major sections of mathematics, it forms an whole part of basic education. combinatorial mathematics, variables, polynomials and factorization are some of the mainstream areas that is being dealt by mathematics. advanced level algebra also deals with symbols and set theory where the computation of unknown values is made possible based on certain predetermined facts.</p>
<h2>Algebra and its Roots of Geometry</h2>
<p>Geometry is focused on using algebraic expressions to calculate dimensions of a circle, determining if a curve is a parabola or hyperbola or even pinning down the directrix of a hyperbola. Be it simple operations such as determining the endpoints of a line or finding the radius of a circle, to more complicated operations such as figuring out if a parabola opens up; algebra is most important for geometry.</p>
<h2>Algebra - Solving Equations &#038; Exponents</h2>
<p>Algebra can solve any inequalities from <b>linear or quadratic</b> to radical or exponential. Using algebra as a weapon one can solve inequalities and even graph  <a href="http://www.algebra-help.org/solving-systems-of-linear-inequalities.html">systems of</a>  <b> fractional equations</b> and <b> non-linear inequalities</b>. If exponents have been troubling your head, a complete grasp of algebraic expressions will alleviate the pain allowing you to work through it easily. Algebra works with the Laws of exponents by facilitating one to add, subtract, divide and multiply expressions with ease and self-confidence.</p>
<h2>Evaluate Fractions and Polynomials  - Try Algebra Calculators</h2>
<p>Whether you have problems in solving, comparing or converting fractions, algebra solvers can work their magic for you. The modern software that supports  <a href="http://www.softmath-algebrator.com/solving-equations-with-one-radical-term.html">solving algebraic expressions</a>  are able to solve any math problem easily and in little time. Complex matrix problems like inverse matrix and other matrix operations can be handled with the <b>algebra calculator software</b>.  <a href="http://www.doyourmath.com/solving-systems-of-linear-inequalities.html">solving algebraic and arithmetic</a>  expressions along with factoring polynomials to determining the <b>Least Common Multiple</b> and <b>Greatest Common Divisor</b> is now a walk in the park with the latest algebra solvers.</p>
<h2>Professional Help All the Way</h2>
<p>Students often get professional help from tutors who will provide you with a step-by-step answer for your problems. <b>Math tutors</b> are at your disposition for those hard problems which can get you easily bugged. The <b>math solvers</b> that are available in today&#8217;s market come with numerous options that will suit your every need. From calculators that cater to a specific type of algebra to ones that scan the entire scope of the subject, you will find a complete answer.</p>
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		<title>Credit Card Fraud, Be Aware</title>
		<link>http://soropa.com/archives/2008/06/29/credit-card-fraud-be-aware/</link>
		<comments>http://soropa.com/archives/2008/06/29/credit-card-fraud-be-aware/#comments</comments>
		<pubDate>Sun, 29 Jun 2008 16:39:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Life Of Mathematics]]></category>

		<guid isPermaLink="false">http://soropa.com/archives/2008/06/29/credit-card-fraud-be-aware/</guid>
		<description><![CDATA[Are you worried about your credit card or debt card being stolen? You&#8217;re not alone, it&#8217;s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying for [...]]]></description>
			<content:encoded><![CDATA[<p>Are you worried about your credit card or debt card being stolen? You&#8217;re not alone, it&#8217;s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying for services and goods. It gives the criminals many more chances too get our information from our cards.</p>
<p>Credit card fraud is not new, the companies seem to be getting a head on how to stop the criminals, and then they come up with a new way it&#8217;s a never-ending problem. Credit card skimming is just one of the problems, that is where they take the information from the magnetic strip and transfer it on to another card. The companies are trying hard to fight back, they have hit back with the chip &#038; pin card, which seems to be reducing fraud but give it time no doubt the criminals will find a way around that.</p>
<p>There are ways to help yourself with credit and debt card fraud, below are some useful tips in keeping the criminals at bay.</p>
<p>
<li>Never let your credit or debt card out of your sight</p>
<li>Never keep your Pin number with your card
<li>Don&#8217;t give your Pin number out to anyone
<li>When withdrawing money from an ATM machine make sure no one can see your Pin number
<li>Check bank statements very carefully any problems contact bank immediately
<li>Paying for goods with your card double check the amount before entering Pin
<li>Keep chequebook and cards separate at all times
<li>Report your lost or stolen cards immediately
<li>Make sure you destroy statements and old cards properly, leaving no account numbers visible</p>
<p>The tips above will help you to fight credit or debt card fraud but we have to be vigilant at all times. As I said earlier with more people paying for goods and services with there cards, it gives the criminals more opportunities to get our information so it&#8217;s up to us to do what we can. With online shopping becoming very popular a lot of us worry about paying for goods over the net, credit card companies are trying to put our minds at rest. With most of them giving you extra fraud cover most give this cover free, but some do charge you so just check with your credit card company.</p>
<p>Credit and debt cards are here to stay so lets hope in the near future that the credit card companies, can rid us of credit card fraud but I am afraid it&#8217;s big business costing us millions every year.</p>
<div style="float: right; padding: 0px; margin: 0px; border-width: 1px 1px 1px 1px; border-style: solid; border-color: white; background-color: white"></div>
<p>Peter Kenny is a writer for creditcards-gb<br />
 For additional articles and an extensive resource for everything about credit cards, please visit us at <a href="http://www.creditcards-gb.co.uk" rel="nofollow">http://www.creditcards-gb.co.uk</a> and <a href="http://www.creditcards2go4.com" rel="nofollow">http://www.creditcards2go4.com</a></p>
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		<title>Identity Theft Exploding:  Here&#8217;s How You Can Avoid Becoming A Victim</title>
		<link>http://soropa.com/archives/2008/05/09/identity-theft-exploding-heres-how-you-can-avoid-becoming-a-victim/</link>
		<comments>http://soropa.com/archives/2008/05/09/identity-theft-exploding-heres-how-you-can-avoid-becoming-a-victim/#comments</comments>
		<pubDate>Sat, 10 May 2008 04:50:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Life Of Mathematics]]></category>

		<guid isPermaLink="false">http://soropa.com/archives/2008/05/09/identity-theft-exploding-heres-how-you-can-avoid-becoming-a-victim/</guid>
		<description><![CDATA[Americans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems.
Nine out of ten Americans demand new federal legislation, while two-thirds say the financial services industry needs to do a better job of verifying the identity of customers who open bank accounts (66 [...]]]></description>
			<content:encoded><![CDATA[<p>Americans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems.</p>
<p>Nine out of ten Americans demand new federal legislation, while two-thirds say the financial services industry needs to do a better job of verifying the identity of customers who open bank accounts (66 percent) and credit card accounts (72 percent).</p>
<p>Some 5.6 percent of respondents reported being victims of identity theft, which translates to 12 million people. When debit and credit card fraud and identity theft were combined, close to 15.9 percent of consumers say they have been the victim of one of these crimes. (Source: Star Systems, 2003)</p>
<p>For most of us, using your debit or credit card to make a purchase has become an every day aspect of life. Many of us do it every day and feel safe in doing so.</p>
<p>But it is far from safe. People with your debit or credit card information may make purchases with your card information over the telephone, via the Internet, or at a local retail store.</p>
<p>As we moved to a cashless system of transactions by debit or credit card, a relatively simple crime niche has grown - identity theft and fraud.</p>
<p>Some law enforcement authorities are not pursuing the crime in a coordinated and cooperative fashion. Thus, a situation has grown that affords the people who perpetrate such acts of theft and fraud, act with a degree of confidents that they will not get caught.</p>
<p>What can you do to reduce your chances of becoming a victim of identity theft or fraud?</p>
<p>Here is a list of actions that you can take to avoid becoming a victim of identity crimes.</p>
<p>1. Never throw receipts or statements away that have personal information on them. The trash is the greatest repository of information for the identity thief. Even better, shred everything that has identifying information on it (transaction receipts, etc.).</p>
<p>2. Pay to have an unlisted telephone number in your local telephone directory.</p>
<p>3. Take as much identification off of your personal checks and driver&#8217;s license as possible. Thus, no home addresses, phone numbers, or social security numbers on personal checks. Last only your last name and first initial rather than your full name. You want a retail clerk to check your ID when you are cashing a check.</p>
<p>Most states now provide a photo ID on all new automobile drivers licenses issued. If you do not have one, conceder getting your licenses renewed now to get a photo ID for identification purposes. Do not put your social security number on your driver&#8217;s license.</p>
<p>4. Check your bank accounts for suspicious activity everyday, this can be done online via the Internet.</p>
<p>5. Have your middle initial removed from all public documentation if possible. Middle initials help identity thieves narrow down their searches for victims.</p>
<p>6. If someone calls you asking for your personal information on the telephone - do not provide any personal information to anyone over the phone.</p>
<p>7. Don&#8217;t leave your mail out overnight. If you will be away from home for any period of time: have your home mail delivery stopped. If possible, secure a locked mail box at your local post office or a retail store mail box service for your home mail delivery.</p>
<p>If you go on vacation, have your mail and newspaper delivery stopped and arrange to have your yard maintained. Include the post office, newspaper service, and your friends or neighbors to insure that your home looks as if it is occupied while you are gone.</p>
<p>For a checklist for your home security while you are away see - <a href="http://www.ProtectionConnect.com/homesecuritychecklist.html" rel="nofollow">www.ProtectionConnect.com/homesecuritychecklist.html</a> or <a href="http://www.ProtectionConnect.com/sitemap.html#home" rel="nofollow">www.ProtectionConnect.com/sitemap.html#home</a></p>
<p>8. Write &#8220;Check ID&#8221; on the back of your debit or credit cards next to your signature. In that way, when a retail store checks your signature on your card, they will verify that the card is being used by the proper individual.</p>
<p>9. Be aware of people standing too close to you and &#8220;shoulder surfing&#8221; you while you conduct your ATM transactions.</p>
<p>If you do become a victim of an identity crime - do the following:</p>
<p>1. Demand to file a police report no matter how unwilling the law enforcement office may be. Make sure to get a copy or at least the report number.</p>
<p>2. In the case of card fraud, make sure to cancel your card and report it as stolen to your credit card company as soon as you find out.</p>
<p>Immediately, fill out affidavits with the appropriate financial institution denying that you were the one who made the relevant purchases. In most cases, the banks will respond with up to a 30-day process that requires the businesses that accepted the fraudulent transactions to repay the banks.</p>
<p>3. Report the fraud to the three major credit bureaus:</p>
<p>* TransUnion<br />
Post Office Box 2000<br />
Chester, PA 19022</p>
<p>* Equifax<br />
Equifax Equifax Credit Information Services, Inc<br />
Post Office Box 740241<br />
Atlanta, GA 30374<br />
1.888.766.0008</p>
<p>* Experian<br />
Consumer Information<br />
Post Office Box 1909<br />
Orange, CA 92865</p>
<p>4. The U.S. Secret Service handles fraud cases that cross state borders. If you know that your case applies, contact their local office to make them aware of your case. If it is part of a broader fraud case, you may be contacted by an agent.</p>
<p>5. You can also fill out a complaint form with the Federal Trade Commission, although this is strictly used to track national identity theft statistics.</p>
<p>Copyright Steven Presar</p>
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<p>About The Author</p>
<p>Steven Presar is a recognized small business technology coach, Internet publisher, author, speaker, and trainer. He provides personal, home, and computer security solutions at <a href="http://www.ProtectionConnect.com." rel="nofollow">www.ProtectionConnect.com.</a> He provides business software reviews at <a href="http://www.OnlineSoftwareGuide.com." rel="nofollow">www.OnlineSoftwareGuide.com.</a> In addition, he publishes articles for starting and running a small business at <a href="http://www.abcResults.com." rel="nofollow">www.abcResults.com.</a> Be sure to sign-up for the SOHO newsletter.</p>
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		<title>Rate Tarts Losing Ability to Cherry Pick</title>
		<link>http://soropa.com/archives/2008/04/25/rate-tarts-losing-ability-to-cherry-pick/</link>
		<comments>http://soropa.com/archives/2008/04/25/rate-tarts-losing-ability-to-cherry-pick/#comments</comments>
		<pubDate>Sat, 26 Apr 2008 00:14:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Life Of Mathematics]]></category>

		<guid isPermaLink="false">http://soropa.com/archives/2008/04/25/rate-tarts-losing-ability-to-cherry-pick/</guid>
		<description><![CDATA[A &#8220;rate tart&#8221; is someone who switches from one zero per cent introductory credit card deal to another to avoid paying interest; however they may be set to become something of the past.  Recently a number of the major credit card companies, including Egg, Barclays, the Royal Bank of Scotland and MBNA have introduced [...]]]></description>
			<content:encoded><![CDATA[<p>A &#8220;rate tart&#8221; is someone who switches from one zero per cent introductory credit card deal to another to avoid paying interest; however they may be set to become something of the past.  Recently a number of the major credit card companies, including Egg, Barclays, the Royal Bank of Scotland and MBNA have introduced transfer charges for people who want to shift their outstanding credit card balances to a new card to take advantage of a zero per cent introductory rate.</p>
<p>Rate tarts will wait until the interest free period is about to expire on their current credit card, and then check through lists of providers to find another card they can switch to that has another 0% interest rate introductory period.  The growth of financial comparison sites like uSwitch, Moneynet and Moneyfacts has made this money saving behaviour easy to achieve.</p>
<p>The providers have effectively become victims of their own success.  As more and more card companies began offering interest-free balance transfers, the card providers found that they had to offer longer and longer interest-free periods to win customers, which in turn meant less profit.</p>
<p>Analysts have recently estimated that rate tarts are currently costing lenders &#163;1 billion a year.</p>
<p>Financial director Stuart Glendenning said, &#8220;Charging a fee on balance transfers is one way of recouping some losses, given it is impossible to make money lending at 0 per cent if the customer conducts no further transactions on the card.&#8221;</p>
<p>Professor Merlin Stone of Bristol Business School, comments: &#8220;Economically, some providers cannot sustain their current offers of zero per cent interest which means they may have to remove them or start introducing new charges to help reduce their losses.&#8221;</p>
<p>This is exactly what appears to be happening, Professor Stone stated, &#8220;Research shows that in 2003, none of the cards offering zero per cent APR interest on balance transfers applied charges for transferring balances compared to around 11 per cent that do today.&#8221;</p>
<p>Perhaps in an effort to justify the reduction in 0% introductory period on credit cards, Patrick Muir, marketing director at Morgan Stanley Consumer Banking, said: &#8220;Our research suggests that cardholders are wising up to short-term deals, as the majority of those currently switching or planning to switch are not moving from one short-term offer to another.&#8221;</p>
<p>Only eight per cent of people are looking to change their credit card in the coming months, said investment bank Morgan Stanley, however Stuart Glendenning advises, &#8220;Whilst not all have gone down the fee route yet, my advice is simple: transfer your balance for free while you still can.&#8221;</p>
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<p>Richard works in Edinburgh for bigmouthmedia, as well as writing for the personal finance blog Cashzilla <a href="http://cashzilla.blogspot.com/" rel="nofollow">http://cashzilla.blogspot.com/</a>, and drinking too much coffee.</p>
<p><a href="http://www.bigmouthmedia.com" rel="nofollow">http://www.bigmouthmedia.com</a><br />
bigmouthmedia head office:<Br><br />
51 Timberbush<Br><br />
Edinburgh<Br><br />
East Lothian<Br><br />
EH6 6QH <Br><br />
0845 130 0022</p>
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		<title>Bad Debt Recovery</title>
		<link>http://soropa.com/archives/2008/04/13/bad-debt-recovery/</link>
		<comments>http://soropa.com/archives/2008/04/13/bad-debt-recovery/#comments</comments>
		<pubDate>Mon, 14 Apr 2008 01:57:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Life Of Mathematics]]></category>

		<guid isPermaLink="false">http://soropa.com/archives/2008/04/13/bad-debt-recovery/</guid>
		<description><![CDATA[Bad Debt Identification
Identifying bad debt is not as easy as it sounds. But the earlier it is done, the better are chances of recovering it. Here are some signs of customer behavior that can identify bad debt early:
Customer fails to pay as per the agreed payment terms.
Customer makes repeated unrealistic complaints about the product or [...]]]></description>
			<content:encoded><![CDATA[<p>Bad Debt Identification</p>
<p>Identifying bad debt is not as easy as it sounds. But the earlier it is done, the better are chances of recovering it. Here are some signs of customer behavior that can identify bad debt early:</p>
<p>Customer fails to pay as per the agreed payment terms.</p>
<p>Customer makes repeated unrealistic complaints about the product or service quality whenever asked about the payment.</p>
<p>Customer continuously asks for more time to pay debts.</p>
<p>Customer&#8217;s contact person is not traceable whenever you call for debt collection.</p>
<p>Your phone calls and/or letters are not answered.</p>
<p>Apart from these, you also have to keep an eye on customers who constantly pay late. Ongoing communication between the sales and finance departments can go long way in preventing bad debts.</p>
<p>Keeping track of market sources such as magazines, other customers, and suppliers will also help you identify customers who are not in healthy financial condition and help you recover your dues from them at the early stage.</p>
<p>Bad Debt Recovery</p>
<p>Once you identify the bad debt, the first step is to make attempts yourself to recover it in-house. This way you can maintain a relationship with the defaulting clients. It also helps you create documentation and evidence to show that you have made enough attempts to recover the dues. If the collection staff has knowledge of the Fair Debt Collection Practices Act and experience in debt collection, some of the debt can be recovered easily.</p>
<p>But an in-house staff is not always sufficient. If the defaulting customer doesn&#8217;t pay any attention to your repeated efforts, it is advisable to refer the case to a professional collection agency. These collection agencies are often well equipped to trace and deal with delinquent customers and bad debt recovery. But you need to make sure that the collection agency you are working with meticulously follows the Fair Debt Collection Practices Act and doesn&#8217;t step beyond legal boundaries. Remember that the collection agency is representing you, and you don&#8217;t want it to get you in trouble with the law.</p>
<p>Also make sure that you give all necessary data to your collection agency on all cases referred to them. It is also important to let them know how important each case is to you so they can apply different techniques to different cases.</p>
<div style="float: left; padding: 0px; margin: 0px; border-width: 1px 1px 1px 1px; border-style: solid; border-color: white; background-color: white"></div>
<p>Collection Agency Services offers you a wealth of information on how to select the best collection agency for your business.</p>
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