Январь 2009

How to Do a Preliminary Fraud Investigation Within Your Own Business

With rises in unemployment due to the recent recession people have fallen on hard times; furthermore, this has led to an increase in crime. However, not only has theft and fraud hit our average day to day person, but it has also started to work its way onto businesses as well. With everyone in fear of their positions, a few people have seen this as an opportunity to take advantage of those fears and of the economic climate.

This is why using the correct fraud investigation techniques is important. As you know, there are already governmental bodies that do regulate fraudulent activities both through the police system, as well as specialist bodies. But this does not mean that you should not take action before the horse has bolted, so to speak, instead this is the perfect time to start to invest in your own businesses security, both from inside threats and an outside threat.

As you would expect, there are many methods of securing your business so that you will never need to have fraud investigations interfere with not only your business activities but also with your employees and contractors. The most common fraud investigation usually starts with the administrative team, this is not to say that you should not trust your administrative team, however there are a few methods that are common practice among those admin that are not truly to be trusted, so if you see these symptoms then you should start doing an internal fraud investigation to pin point the person and then report them over the authorities. There are usually two methods of fraud within the administrative team, there is first the take now pay back later technique, and the outright fiddling with the books in order to steal from the company. Both will be explored in more detail below.

The first of the two methods is when money would be essentially ‘borrowed’ making the takings lower than what has actually been produced: this money will then be returned a few days later. In order to spot this there is usually a pattern, for example they are usually paid on the Friday but the money goes on a Wednesday and is returned on the Thursday. If you notice this start overseeing the counting process and see if this pattern changes.

The second of the two is where cash payments are not put through the books, meaning that you may not even know the money is missing. In order to ensure that this is not happening you should ensure that all cash is accounted for by using regular cash lifts and by making sure that if there are any changes on tills, that the time of the change is noted so the offender can be found.

If you do notice fluctuations in money going missing and then appearing and an internal fraud investigation has failed, then always turn it over to the police for a more formal investigation. Fraud is a crime and it also similar to an addiction as some people do not even think they are doing anything wrong as long as it is returned.

How to Find out Low-cost Auto Insurance coverage plan

Today anything cost so much money that individuals even are seeking for Cheap Car Insurance. This does not imply they are trying to scrimp on coverage, it only indicates they are seeking for the greatest insurance coverage at the lowest rates.
Mother and father who have teenagers driving certainly try to preserve in which they can since insuring teen motorists are so high-priced.
A loved ones with numerous drivers and numerous vehicles can simply commit into the thousands of dollars each and every year for automobile insurance.

No wonder so numerous are on the lookout for Low cost Auto Insurance coverage. Also with the economy getting so negative recently others have to have to economize due to the fact a single or both of them are unemployed and shopping for a new work.
In these circumstances the folks require to cut corners each way they can.
Purchasing for lower insurance plan costs is at the best of the list of ways to preserve.

Even men and women functioning and producing a great residing although do not want to pay any far more than they have to for insurance policy protection.
So they shop close to to find out the most inexpensive costs.
How do you discover excellent costs on insurance policy for your auto? Turn to the Internet today!

There are many websites that will quote you several costs of the organizations, which supply automobile insurance coverage. You can type in all your local data the website asks for.
Then you place in what make and model your autos are. Info on the motorists in the house comes following.
Then you fit in what policy data you call for. Specific discounts may possibly apply. All this is operate and you will your quote. Often this takes place on the internet and often an agent contacts you it depends on the company.

Following you have received numerous rates dependent on the exact same policy details then you can search into which organization you would rather offer with. Make positive you just go on the lowest quote.
Seem up the track record of the business. You can examine with the Far better Organization Bureau or the Insurance coverage Commissioner’s office in your state. This way you will know if any complaints have been filed against the organization.

Utilizing on the internet resources confident beats the old way of Cheap Car Insurance. You used to have to call every insurance coverage company and explain everything on the telephone. This could take up a excellent deal of your day by the time you would locate the right firm which had the finest protection at the cheapest costs. Some of the on the internet web sites will give you a lot more than just 1 quote for the info you input.
Other internet sites will send you to the separate insurance coverage firms to get your estimates. Either way on the web is certainly the quickest way to get several quotations to compare.

Appear up numerous insurance coverage rates for you nowadays to discover some Cheap Car Insurance for your wants.
You will like the funds you can preserve yourself by accomplishing this.
Don’t all of us will need far more cash these days.

Is it Legit? Making Money From Home: The Top 6 Ideas

There are several legit ways of making money from home on your PC, but wading through the scams can be a difficult and frustrating process.

So, to help you get started, here’s my list of the Top 6 Legit Ways to Make Money From Home:

#1. Telecommuting Jobs: You can work for someone else from home, as a telecommuting employee. Examples of this are working from home as a customer service rep, for example.

Although telecommuting does provide you the opportunity to make money from home, you’ll still have to answer to someone else, so you aren’t truly your own boss. Still, for some this is preferable since it offers some stability and requires little in the way of marketing skills.

#2. Freelancing From Home: Another idea similar to #1 above is that you can work from home as a freelancer. One example of this is running your own transcription service from home.

And yes, freelancing is self-employment… but in my experience it’s so similar to a J-O-B that I almost decided to lump them together under a single category.

#3. Start an eBay Business: You can easily find stuff to sell on eBay and make a few hundred dollars a month in extra spending cash. This is not hard to do — in fact, it’s one of the first things I did to make money online.

However, it’s time-intensive and not easily scalable… in other words, it’s time-consuming and it gets harder and harder to do as your business grows. Still, it’s a good thing to learn, because it can be an easy supplemental source of income, and eBay can be a good place to acquire future customers for your other products.

#4. Start an Online Store: You can create and sell your own products from home (like an ebook) or you can find wholesale or dropship suppliers and sell anything from afghans to xylophones online.

Now we’re getting into the sort of home business that I get excited about… That’s because this method of marketing and selling products from home offers you the greatest potential for automation (setting up your business so it makes money even when you don’t work), which by the way, is easiest to do when you create and sell information products (i.e., ebooks, instructional video downloads, and so on).

#5. Become an Affiliate Marketer: Similar to #4 above, but this always involves selling other people’s stuff online from home. However, instead of fulfilling those orders yourself, you simply send people to someone else’s site via a link… that site in turn tracks the sales you send them and then pays you for each sale you refer.

This, in my opinion, is the easiest and most affordable way for you to start making money from home. Why? For one, you don’t have to invest in or carry any overhead (especially if you learn affiliate marketing or sell digital products). And, it’s highly legit — making money from home with affiliate marketing has been an accepted, tried and true practice for over a decade.

Now, the only thing is, it does take considerable work in the beginning to get rolling. For one, you need to build a website that gets traffic (like a blog, for example). It can take months to write content for a site, post that content, get the site ranked high in the search engines, and then monetize your traffic.

#6. Direct Selling from Home: You can sell products directly from home that have a large up-front commission, which means you don’t have to make a ton of sales to make a decent income. In many such businesses, you can also recruit other people to buy and sell stuff, and keep a referral commission on what they buy and sell, forever.

You’ll find this model used in many companies in the direct selling industry. This type of work at home business is my favorite… That’s because it combines the benefits method #4 and method #5 above, plus you keep getting paid on every customer you find, for as long as they remain a customer of that product or service.

So, those are the top 6 ways you can start making money from home on your PC. I’ve tried each and every one of them, and I have to say that my favorites are as follows (rated highest to lowest):

#1 — Direct selling

#2 — Learning affiliate marketing

#3 — Selling your own digital information products

#4 — Selling on eBay

Hopefully, this will help you choose a business model and get «legit» making money from home. Good luck!