The North Texas Journal v24n31

8/4/2019 The North Texas Journal v24n31

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BI-WEEKLY Volume 24, Number 31 - August 12, 20

Identity Theft Prevention Tips

For College Kids Heading

Back To Campus

Page 7


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Identity Theft Prevention Tip

For College Kids Heading

Back To Campus

Page 7





Why Online Learning Might Be A Better Option For Your Studen

ARA) - Today’s middle and high

chool students, who have been called

he “iGeneration,” are the rst to crave

nd benet from on-demand educa-

ion - or, in other words, the option

o choose where, when and how they

want to learn.

To put it in context, the iGeneration

where the “i” stands for “informa-

ion”) has never known life without

he Internet, being mobile, using ava-

ars, instant messaging or choosing

nd watching content whether they

re at home, in the car, at a football

game or shopping at the mall. To reach

hem in their high-tech, high-touch

world, many parents and educa-ors are looking at how to rewire

chools to match how the iGenera-

ion learns.

Taking classes online is one way to

give middle and high school stu-

dents (and their school districts)

new options to learn using preferred

ools in a familiar environment.

Through online learning, students

an even experience enhanced, one-on-one relationships with educators.

Whether they’re in need of more as-

istance, looking for a wider range of

lasses or simply prefer to learn in a

medium that they have grown up with,

online learning can be a great way to

t your child’s needs.

A recent study conducted by Aventa

Learning found that compared to tra-

ditional learning environments, online

earning is an effective way to teach

tudents who live in a world of cus-

omized and instant feedback. Online

earning offers a robust and challeng-

ng curriculum, as 72 percent of online

tudents spend three or more hours on

homework per week versus 56 percent

of students in traditional schools.

With online learning, teachers are

able to provide a more individualized

learning experience and tailor curricu-

lum to meet each student’s ability and

learning speed. In fact, 54 percent of

online students report feeling appro-

priately challenged when they are do-

ing well in school versus 49 percent of

students in traditional schools. Online

students also receive more attention

from teachers, as 58 percent of online

students get more help when they fall

behind versus 40 percent of students

in traditional schools. The survey

also found that online learning cre-

ates students who are more commit-

ted to attending college, as 78 percentof online students have more interest

in attending a four-year college after

graduation versus 67 percent of stu-

dents in traditional schools.

Hybrid learning programs

Students are increasingly able to take

online classes in partnership with their

local school districts that are facing se-

vere budget cuts, school closings and

a reduction in faculty. A recent study

released by the Center on Education

Policy found that 68 percent of dis-

tricts expect their total budgets to de-

crease for the 2010-11 school year and

three-fourths anticipate cutting teacher

positions.

To combat this problem, these school

districts are turning to online cla

to ensure their students have ac

to high-quality curriculum and

struction. They use online learn

programs to supplement classroom

struction or to offer classes for w

they have no teachers, Advan

Placement classes for students

excel and credit recovery options

students who struggle. In fact, to

1 million children are learning onl

either part-time, full-time or betw

school terms. Additionally, more

20 percent of schools and educati

institutions around the country o

online classes today, and that num

should grow by another 30 per

within a couple of years, accordto industry research.

Through online learning or hy

programs with traditional sch

students who take online cou

are scoring above national aver

on both the SAT and ACT tests

have been accepted into more

160 colleges and universities,

cluding Ivy League schools.

Online learning resources for pare

For parents looking for more opt

to enhance their child’s educat

OnlineSchoolSolutions.com offers

line learning options to t all type

students and learning situations. T

website provides academic solut

to t every child’s needs, including

tions for home-schooled families,

dents brushing up on skills to com

at the next level and children fa

challenges in traditional schools.

parents of students in brick-and-m

tar schools, contact your local sch

district to nd out the online learn

options available at your school.

Courtesy of ARAcontent





Identity Theft Prevention Tips For Colleg

Kids Heading Back To CampusARA) - Getting their dorm room orga-

nized, reconnecting with friends they

met last year, making new friends, set-

ing up a class schedule ... college stu-

dents have a lot to look forward to as

hey head back to campus.

dentity thieves eagerly an-

icipate back-to-school time

oo, because it often means

more opportunity for them

o purloin someone’s pri-

vate, personal information

or their nancial gain.

College students may notperceive themselves as be-

ng at risk from identity

hieves or needing identity

heft protection. After all,

most of them don’t have

much money (so not much

o steal) and they’re pretty

ech savvy about online se-

urity.

Those very qualities, how-ver, leave them at higher

isk of being targeted by

dentity thieves, who know

how to take advantage of

ollege kids’ lack of credit

history and use of online

media. What’s more, col-

ege students who feel se-

ure because they’re tech

avvy may not be aware thatlot of identity theft still

occurs in traditional ways, like going

hrough someone’s trash, mail or dorm

oom to steal identifying information.

Several factors make college students

deal targets for identity thieves, in-

luding:

* Lack of a credit history - It’s easier

to steal someone’s identity and estab-

lish a credit account if that person has

little or no credit history of their own.

* Use of online social media - Tech-

savvy college kids may not realize just

how much of their personal informa-

tion identity thieves can cull from on-

line social networking sites.

* Dorm/communal living settings -

College dorm rooms and apartments

may be accessed by a huge numbe

people every month, many of w

the student won’t know at all. It’s d

cult to maintain a secure environm

in such a living arrangement.

* Easy access to credit

plications - Anyone w

ever been on campus

seen the tables, booths

kiosks set up to facil

credit card applications

students. Completed

plications are rarely se

throughout the day, makit easy for identity thieve

get their hands on impor

identifying information.

* Laissez-faire atti

- Nearly half of stud

polled in a survey by

pulse Research said

receive frequent credit

applications, and 30

cent of those students thaway those applications

tact, with all their pers

information still on it

easily accessible, accor

to the website Scambus

org. The survey also sho

that nearly 30 percen

students ignore their ch

ing and credit card balan

the site reports.

To prevent identity theft, college

dents should follow some simple st

* Never keep identifying nancia

formation like PIN or account n

bers, or important documents

Social Security cards and birth

ticates unsecured in dorm ro


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or apartments. Don’t carry anything

more in your wallet or purse than you

absolutely need, such as your driver’s

icense, student ID and one credit or

debit card. And never loan any of these

tems to anyone else, no matter how

good a friend they seem to be.

* Be wary when ordering clothes,

books, movies and merchandise on-ine and only do business with sites

hat have the security lock symbol that

hows they’re taking measures to pro-

ect your information.

* Shred credit card offers before

hrowing them away and never com-

plete a credit card application at an

on-campus table or booth - even if

they’re offering a cool free T-shirt just

for applying. Instead, go through the

credit card company’s secure website,

or contact your bank for a credit card

before you get to school.

* Be aware of who’s around you when

you’re using your cell phone or net-

book on campus, and never discuss or

send personal information in publicthat could be used to steal your iden-

tity.

* Establish an identity theft protec-

tion account before you head back to

school. Sites like ProtectMyID.com

monitor your credit reports daily and

send you an e-mail, text message or

mail alert whenever something chang-

es on your account, like an addres

an application for a new line of cr

If your identity is compromised,

tectMyID’s experienced fraud res

tion agents can help resolve iss

What’s more, the program prot

against the sale of your Social S

rity or account numbers online by

ing Internet scanning to detect the

of your personal numbers online.

You can learn more about iden

theft and how it affects college

dents, as well as how to prevent i

www.ed.gov, the U.S. Departmen

Education’s website.


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How Safe Is Your Debit Card?ARA) - Many people choose to use

debit card over a credit card or cash

because it’s more convenient, but did

you know it can also protect you from

heft and help you better manage your

money? Knowing more about your

debit card’s features will help you gethe most out of your banking relation-

hip.

Today, debit cards come with many

built-in security fea-

ures. Having your pho-

o on your card makes

t harder for others to

use it if it’s lost or sto-

en because merchants

an easily identify thathe card belongs to you.

Fraud monitoring re-

views how and where

your card is being used

nd helps to block po-

ential fraud if unusual

patterns are detected.

Check to see if your

bank offers these fea-

ures and reimbursesyou for purchases you

didn’t make. Make

ure, especially if

you’re shopping on-

ine or traveling, that

your bank will protect

you when you need it most. Bank of

America reimburses its customers for

raudulent card transactions. Its debit

ard protection comes automatically

s a feature for all customers.

We want our customers to be 100

percent condent that we’re doing

verything we can to protect their ac-

ounts from fraud and theft,” says Da-

vid Owen, Bank of America Payments

nd Products executive. “Using a debit

ard securely should be hassle-free,

nd even simple things like adding a

photo ID to your card can make a big

difference.”

You should also know what fees your

bank may charge and how you can

avoid them. Some people run into

trouble by using their debit card whenthey do not have enough funds in their

account to make a purchase. This sim-

ple mistake can lead to unexpected

bank fees that quickly add up. See if

your bank offers online banking, bal-

ance alerts, text or mobile banking

to help you stay in control of your -

nances on the go. These tools let you

transfer funds between accounts, pay bills, and check your balance whenev-

er and wherever you choose. Knowing

how much money is in your account or

transferring funds when your balance

is low will help you avoid unexpected

overdraft fees on your debit card.

New regulations are requiring some

banks to change their overdraft fee

policies, which could affect how

manage your nances. Make sure

know how your bank handles d

card transactions when you don’t h

enough money in your checking

count. No one likes to nd out

a $4 cup of coffee cost $40 becyou didn’t realize the purchase w

overdraw your account.

Some banks are taking steps to h

Bank of America has made chan

beyond what the regulations req

in order to reduce the possibility

customers will overextend th

selves with a debit card. When tomers don’t have enough mone

their checking accounts, every

debit card transactions like gro

store purchases will be declined

there will be no unexpected overd

fees for those transactions. Beginn

this fall, customers may be given

choice at their ATMs to proceed w

the transaction and be charged a f



hey don’t have the funds available, or

not to proceed with the transaction and

void the fee.

Consumer advocate Martin Eakes,

CEO of the Center for Responsible

Lending, recently said of Bank of

America’s new overdraft policy, “This

s really a big deal. As the largest deb-

t card issuer in the country, Bank of America has demonstrated true leader-

hip in listening to its customers and

now has the largest base of safe and

consumer-friendly debit cards.”

Some customers may choose to sign

up for overdraft protection services

that link a checking account to another

account, such as a savings account or

credit card, to ensure their transac-

tions are not declined. The bank will

automatically transfer available fundsfrom the linked account to help cover

the overdraft for a small fee.

There’s a lot to consider when it co

to fully understanding your check

account and its benets. Ask your b

about free security features and un

stand how overdrafts work. Know

what to expect to avoid surprises

help you protect your bottom line.




The Scent Of Success: How Aromatherap

Can Help Your Professional EdgeARA) - Scent stirs memory. You can

use aroma to evoke the emotion of

a childhood experience, enhance ro-

mance ... and even hone your competi-

ive edge in the business world.

n an increasingly competitive job mar-

ket, many Americans are seeking every

edge they can get to nd a job, or keep

he one they have. Stimulating the mind

and memory function can help profes-

ionals feel more alert and “on their

game.” Aromatherapy can be one more

weapon in a professional’s business ar -

enal.

Aromatherapy works to stimulate mem-

ory and the mind because our sense of

mell is the only sense directly connect-

ed to the central nervous system. The

nasal bulb, an area of densely packed

neural receptors, sits near the center of

our heads and interfaces directly with

he brain. By contrast, miles of nerve

pathways sit between the ears, eyes and

he brain. Tying visual and auditory ex-periences to a distinct aroma can help

us process, retain and recall visual and

auditory data more effectively.

Essential oils, the essences plants use

o attract pollinating insects or ward

off disease and predators, are the core

of aromatherapy. They are completely

natural, widely available, and can be

great tools for stimulating mental clar -

ty and the enhancement of memory.

The oil most associated with memory

s rosemary. The scent invigorates and

efreshes while it stimulates the mind.

Tom Havran, product developer for

Aura Cacia pure aromatherapy, makes

his suggestion: Try occasionally sniff -

ng a small bottle of rosemary essen-

tial oil while studying for an exam or

preparing for a work presentation, and

then smelling the oil again during the

test or presentation itself.

Mr. Havran suggests several other

mentally stimulating essential oils that

enhance concentration and alertness,

including:

Sweet basil is great to diffuse at your

desk when that inevitable post-lunch

lethargy starts to sap your productiv-

ity. It’s as easy as placing two to three

drops on a sticky note and positioning it

near the exhaust fan of your computer.

Bergamot orange is loved by almost

everyone who smells it, and the scent

can inspire fantastic brainstorming ses-

sions. Combine ve to six drops per

ounce of water and make a mist to oc-

casionally spritz the atmosphere during

your next meeting.

Peppermint oil is regarded as a ceph

oil - it’s associated with the head, b

and nervous system. Use your n

tips to massage a single drop into

temples to clear the mind and di

tension.

You might be in the habit of fue

mental clarity and alertness with

after cup of coffee. That’s ne, but

haps not as interesting, inspiring or

lightful as the beautiful scents and

traordinary benets provided by p

botanically derived essential oils.

infusing your old work routine

some new clarity today.

To learn more about Aura Cacia, a

veyor of 100 percent pure and nat

essential oils and aromatherapy p

ucts in the United States, go to w

auracacia.com.










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The North Texas Journal v24n31