“You’ve just won a fabulous vacation or prize package! Now, if you’ll kindly give me your credit card information and social security number for verification purposes, you will receive this awesome gift!”

Now why would they need my credit card or social security number to send me a freebie? Can you say, “identity theft?”

Although there are legitimate reasons for people to need that information, such as a purchase or job application, thieves need it to steal your life and money from you!

Crime officials are reporting that this kind of theft is becoming quite common. Don’t be a victim! Follow a few common-sense suggestions to avoid finding out someone else has taken over your life-along with your bank account!

-Do not allow anyone to borrow your credit cards! Your best friend may be trustworthy, but her boyfriend may not be!

-Don’t provide personal information such as date of birth, credit card numbers, your pin number, mom’s maiden name, or social security number over the telephone unless you initiate the call.
Don’t leave mail lying around for strangers to pry into. How well do you really know your teen’s friends?

-Destroy all bills, pre-approved credit card applications, credit card receipts, and other financial information when you no longer need such items.

-Don’t keep private information like pin numbers and such in your purse or wallet. It’s just too risky. We humans are much too forgetful. Be honest, how many times have YOU had to return to a restaurant or friend’s home to retrieve your purse? Is there anything in there that could harm you if it was stolen or lost? Time to check.

-Check your credit reports regularly. To order your report, call the three major credit bureaus at these toll-free numbers: Equifax at (800) 685-1111, Experian at (888) 397-3742, or Trans Union at (800) 888-4213. By law, the most you can be charged for a copy of your report is $8.50. To be safe, consider getting a copy from each of the three companies. If after reviewing your report you spot signs of a possible fraud, report it immediately!

-Keep your passwords and pins confidential and secure. Avoid passwords and pin numbers that will be easy for a thief to figure out. For example, don’t use your name, street address or birth date. Also, change your passwords every once in awhile, just to be safe.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Report suspected Internet-based fraud to the Federal Trade Commission or the IFCC (www.ifccfbi.gov/Default.asp), a new joint project of the FBI and the National White Collar Crime.

Kristi Sayles, author of too many publications to list here, invites everyone to subscribe to her Internet Treasures Newsletter. Freebies, advice, information, humor and other treasures from the Internet are included. It’s free! http://smartauthor.com/treasures.html

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There are thousands of e-books and reports released on the Internet every month. And not every e-books and reports are written by the owners themselves. Many of them are hiring someone called ghostwriters to write the whole e-books or reports for them.

Ghostwriting is a in demand and lucrative freelance opportunity that can make you serious income. If you have proven yourself as a reliable ghostwriter, you will always get the e-book writing projects from people who need help.

As a ghostwriter, you will be responsible of writing e-books and tiny reports for your clients with the following criteria:

• You will follow exactly the instructions given by your client or employers;
• All the work you submit to your client must be original and not plagiarized from other resources;
• The information and content created by you have to be well-researched and that they are accurate and verifiable;
• The work you submit must be grammatical and spelling errors free;
• You will usually submit your work in .doc or .rtf format for easy editing, but you will submit other file types if your clients requested it.
• You will always submit your work on time.
• The deal between you and your client is confidential. So, you will not reveal anything about it to others.

You should also realize that you are not writing for your client. Rather, you are writing on behalf of your client. The copyright and ownership of the e-book or report are belong to your client.

Creating and writing an e-book or report take a few steps. You may read E-book Marketing Revealed to understand more about the e-book creation process. And the Info Product Creation Manual will give you more tips and tricks about e-book writing.

Sometimes, your client will request you to send the finished work in .PDF format. You can complete this fairly easy if you use the tool like ViralPDF. With ViralPDF you can convert .doc file to .pdf file.

How to Charge Your Client?
Ghostwriters typically charge in two ways:

Per Page – the amount you can charge is in the range from $2 to $10 per page depend on your experience and reputation.

Per Word – $100 to $500 for every 10,000 words. The better your experience and reputation, the more you can charge.

As you are going to write an e-book or report, you need to spend a great deal of time doing research and gathering relevant information so that you will have the ideas and good amount of resources needed to write an e-book.

Creating an e-book or report will take you a lot of time and works as well as you need to put in your creative ideas to come up with a great information product. But the reward is huge. You can be making more than a full-time income as a ghostwriter.

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Need help to start making money online by blogging? Anik signal from Blogclassroom.com and his team has prepared a blogging course to help you get started. They have put together a series of videos and homework assignments that will walk you through the process of setting up a blog online and show you how to get traffic once the blog has launched.

One of thing they are going to be talking a lot about in the course is blog traffic generating. So, even you have already run a profitable blog, the course is still helpful to you as they will help you drive more traffic.

The course is free to sign up. It will give you everything you need to know to start blogging for cash. It covers the steps of installing a new blog, how to configure the blog for the search engines, how to get traffic and how to actually monetize the traffic for generating income.

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