James Parker Allen

How to Protect Yourself From Computer Identity Theft

The FTC estimates that over nine million Americans have their identities stolen each year. This crime has a huge potential to disrupt your life, you might be denied a loan for education or housing, you may miss job opportunities, or in extreme cases, you might be arrested for a crime you did not commit.

One of the most common types of comput identity theft is called phishing. This is when you receive an email requesting your personal information from someone pretending to be a financial institution. The email appears to be from a business or agency that you may have had a reason to do business with in the past, such as the IRS, a credit card company, or EBay. The email explains that there has been a problem with your credit card, or there is a pending audit, and you need to reply to the email with the correct credit card information, or social security number to correct the problem.

As soon as you respond with the requested information, the computer identity theft begins. Your information could be sold online, or the thief may use your identity to make online purchases, apply for loans, or to clear out your bank account. They might have the bills sent to a different address, so you won't even realize there is a problem until your good credit is ruined. They could use your name to get utilities such as telephone, heat, cable TV, or use your information to access your wireless internet account, and run up your charges. Your name could be used to file a fraudulent income tax return, or to obtain government benefits. The list of ways that computer identity theft can affect your life appears to increase daily.

Awareness is the most effective way to fight online identity theft. Share the knowledge that you need to protect your personal information and the potential for this type of crime with your friends and family. You should become familiar with anti-spy software programs for your computer. Research different types, and invest in one that works best for you. Run the program before you do any online financial transactions.

Never open emails from people you don't know. If you receive an email from a financial institution that you do business with, go to their website, and check for any warnings about unauthorized emails being sent. You could also phone the institution to see if the email is legitimate.

Lastly, only do business online with secure sites. They will usually have a small symbol in the bottom right corner of your browser to show it is secure. Never use your social security number on the internet.

Following these tips will help you to protect yourself against computer identity theft. Unfortunately, it is becoming far too common; don't let yourself become the next victim.

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Trend Spotter

What's the next big thing? Well, it's time to dust off your rolodex, get on the horn and start talking about "agar."

What do your contacts know about agar and do they know what it is used for? Which are perfect distributors for you? How do you get the word out that you're a source for agar?

Trends that last are developed slowly through a network of businesses and talking heads.

What is agar?

We'll start with the Aquilaria trees. These are a type of evergreen tree that grows to a great height and are indigenous to Southeast Asia.

It's not the tree that you will be directly interested in, but what happens to the tree when it is infected with mold. Nature's chemical factory goes to work and produces a resin, which is very aromatic.

The trees don't have to wait for a fungal infection to come along, tree growers purposely cut the trees and make conditions just right for the fungal infection to flourish and the resin to be produced.

Another name for the common term agar is the more proper "agarwood." The resin has many names besides agarwood; they include jinko, gaharu, aloeswood and oud.

The oil which is extracted and refined from the agarwood is witnessing a growing demand, especially in the Middle East. Prices are reflected by demand and demand is high as the oil is used for making perfumes and the fragrances used in cosmetics and is considered one of the best by many.

Thailand is expanding its production of Aquilaria trees, because they see the rising demand for what the locals refer to as oud (agar).

If you've traveled extensively, you have probably run across agar, but were unaware of it at the time.

The pharmaceutical industry in Japan uses agarwood and in Europe it is common in cosmetics. In fact, agarwood is a very common raw material component in joss sticks.

A litre of premium agar can fetch as much as $20,000 or more.

You ask; why all of sudden is there going to be a trend involving agarwood?

Here's the meat of the trend story. Commercial production of agar was strictly prohibited by the Thai government for hundreds of years, but just a few years ago, the trees that produce the desirable agar resin were taken off the protected plant list in the Kingdom of Thailand. This was done after the government realized the money that could be pumped into the Thai economy if they allowed the production of oud commercially.

It's been seven years since the ban was lifted, but it's taken those years to grow the trees and more are being planted regularly, but plantations which grow the trees require large capital investment.

To put this in perspective; it takes anywhere from ten to forty years for a tree to mature in order to produce the premium oud, but artificially cultivated oil can be extracted from a tree in as little as three years from the tree's planting.

It's in the same realm of thinking as pearls. There are pearls which are produced over time and then there are cultured pearls which were first created by an industrious Japanese man.

The premium resin would come from trees that took those ten to forty years to mature, while the lower priced and still desirable oud came from essentially infecting the younger trees with the fungus.

True, you may not consider this to be a trend that you're going to jump on by growing your own trees, but your thinking should follow the following steps;

1.        Who uses agar oil?

1.        Can it be purchased in bulk and resold in smaller portions?

1.        Is there a duty on this item? If so, how much and how is it determined?

1.        Is there money in just being a middleman (distributor)?

1.        Can I create a mystique about the item by writing a tale of its heritage and usage?

1.        Which ceremonies call for the use of the oil?

1.        Should I try a line of my own oils and fragrances which feature this oil and its properties?

1.        Who can I partner with to put this together?

1.        Perhaps I could just make or import decanters or scent bottles for this oil and never deal in the oil itself.

1.      Who near me has the oil, so that I can smell it and learn more about it?

1.      Is there a similar product that I should be investigating?

1.      Do I watch this trend develop or do I get involved somehow?

1.      If I ran an ad in an industry publication (cosmetic/fragrance) what sort of response would I get? Of course, it depends on what your ad promises, asks for, or offers.

I like to keep my eyes open for trends that are developing, but hidden in plain sight. Honestly, before you read this article, did you ever hear of oud, agar, or agarwood? 

Stay tuned, I'm always looking for trends and ways to spot them

Lazz Laszlo is a former Investment Executive and Radio & Television Financial Reporter with many entrepreneurial endeavors to his credit. He spends his time, energy, and money on business development. He's an experienced manufacturer and website creator. Please, visit Lazz's website; [http://www.eBizEinstein.com]

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