http://www.forbes.com/sites/jacquelynsmith/2013/05/20/turn-your-internship-into-a-full-time-job/#1d0f3bf5483c
http://finance.yahoo.com/news/college-summer-internships-dream-job-networking-165310981.html
Brought to you by Destinations Credit Union.
Brought to you by Destinations Credit Union.
For many credit union members, a savings account is a formality. They know, in theory, that saving is important. Maybe they got a bonus at work and stuck $50 in a savings account. Other savings options that come with higher rates, such as IRAs or 401(k) accounts, took priority and that initial deposit was quickly forgotten.
At Destinations Credit Union, we have an easy way to increase your dividend rate – it’s our Kasasa® Cash Rewards Checking Account. By doing easy things that you probably already do, you can earn a really high rate on your checking account and attach a high rate Kasasa Saver to that account. Then, at the end of the month, your rewards are automatically swept into the savings account.
Before the cellphone era, gaming was a pretty secure business. You went to the store, bought a disk, a cartridge or deck of cards, and played it many times over until you grew bored of it. On the surface, today’s gaming seems like an improvement. The majority of gaming apps are free and they’re always available to play regardless to time and place. This convenience, though, does come with costs.
Obviously, the news surrounding the robbery of “Pokemon Go” players in O’Fallon, Missouri is one type of threat that mobile apps can pose. Be aware of apps that others can use to predict your location, and always keep an eye on your surroundings. That will keep you safe from the most obvious threats, but not from all of them.
It is incredibly convenient to have all your games on a single device you can keep in your pocket and have with you at all times. The downside is that everything else — your phone number, your email address, even your financial information — may all be on that device, too. With everything on one device, it’s become easier for online scammers to take what they want. Fortunately, there are some steps you can take to protect yourself. Be on the lookout for these three ways mobile games take your money, and know what you can do about them.
1.) In-app purchases
In-app purchases are deceptively simple. You “buy” a free game in the app store, thinking you got a bargain. You play the game for a few minutes, enjoying yourself as you assemble an army or destroy your friends at trivia or pop some bubbles. After a little while, though, you hit a snag — you’ve maxed out the number of games you can play in one day, and you’ll have to wait 24 hours to play again. You’re frustrated and upset. You’re willing to do anything you can to keep playing. And, lo and behold, the game offers you a solution. You can pay a small fee of $0.99 to continue playing — and paying.
Unfortunately, there’s no simple solution to this one: Either you cough up the $0.99 or you don’t. In cases like this, sometimes the best move is just not to play that game. The golden rule of the internet works here, too: if you’re not paying for something, you’re not the customer. You’re the product. Don’t support business models that work on addiction and deception. Find a different game. Sometimes it’s even better to find a game you have to buy once to feel a little more secure in knowing you won’t have to keep buying up to keep playing.
2.) Phishing scams
This scam, too, starts with the purchase of an innocent-looking app. In order to use it, the app claims, you need to set up an account with the app manufacturer’s website. Citing security reasons, it says the account will ensure mysterious strangers cannot come in and mess up your process playing tic-tac-toe and hangman. All it needs is your email account, and then for you to create a username and password. You input your email account, you come up with a username, and then you use the password that you use for everything. Just like that, you’ve given a company you know nothing about access to all the details of your online life. Any other system you use that password for can now be compromised.
Another version of the scam is the fake game login screen. An email looking like it’s from the game company will soon arrive. It will tell you to login through a link in the email to receive a fabulous in-game prize. Of course, there is no prize, and the email was a tool for scammers to collect your login information.
SOURCES:
https://www.baekdal.com/opinion/how-inapp-purchases-has-destroyed-the-industry/
http://www.scambusters.org/onlinegamesscam.html
https://www.theguardian.com/technology/2016/jul/10/pokemon-go-armed-robbers-dead-body
Brought to you by Destinations Credit Union.
Summer is a wonderful time for getting rid of the neglected and forgotten items sitting around the garage, attic or other areas of the home. The kids are around to help, and all the yard toys and gardening stuff that got stashed away last year has to come out of storage anyway, so why not kill two birds with one stone? This is a good time to go through some of that stuff and see if any of it is still valuable.
Though some of it may not be valuable to you, some items – like clothes, electronics and collectibles – might fetch a fair sum if you were to sell them on eBay. Things small enough to ship can earn more when sold on the world’s biggest online auction site than on sites like Craigslist, because the potential reach is much greater. Shoppers all over the world can see what you’ve got for sale, and you might end up with a few extra dollars.
Not all eBay scams are quite as tragically funny. Most are just tragic. Here are three common eBay scams and how to avoid them.
1.) The fake payment. You’ve just sold a big-ticket item, like a cellphone or a pair of designer headphones. Maybe you didn’t get quite as much as you were hoping for, but some money is better than nothing. Out of the blue, the buyer reaches out with an amazing offer. They’ll pay you more than they agreed if they can get around PayPal fees by sending you a certified check. Alternately, you get an email from what appears to be PayPal telling you the payment, more than you agreed to, is in transit, but won’t be released until you provide a shipping number.
Once you ship the item, the money never shows up. If you get a certified check, it will undoubtedly be bogus. The “in transit” money from Paypal never shows up. You’re out both the item and the cash.
The scammer is relying on your desire for money to overwhelm your common sense. If a stranger offered to buy something at a yard sale for more than the ticket price, but would only do so if he could send you a check from home, you’d scare away half the neighborhood laughing at him. Never send the item until you have the cash in hand, and never accept non-electronic payment from someone you don’t know.
2.) The 3rd party payment system. In this scenario, you’ve settled on a price with a buyer, but they have a catch. For whatever reason, they can’t use eBay’s checkout system. They need you to take the item down and send it to them, and they’ll send you money directly. They’ll even send you the money before you send them the goods.
If you’re using a site to sell, use the site to finish the deal. Not only does this keep the company involved if things go sour with the deal, but it also ensures you’re using the site legally and following the rules.
3.) It was like that when I found it! This is another transaction that starts off smoothly but takes a sudden turn once the buyer gets the item. They send you pictures of the item you sold them with a broken screen or other serious damage. They want their money back, and you can either pay them or deal with eBay’s Buyer Protection Program. Even though you’re in the right, eBay will take their side (it’s called the Buyer Protection Program for a reason) and force you to issue a refund.