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Federal Judge Grants Relief for Students Defrauded by Fake Schools + How to Protect Yourself from a Bigger Fraud Attempt - P A R A D I G M . M O N E Y
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Federal Judge Grants Relief for Students Defrauded by Fake Schools + How to Protect Yourself from a Bigger Fraud Attempt

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Fraud Attempt

An Obama-era rule designed to help students cheated by for-profit colleges get relief on their education debt finally took effect Tuesday after efforts by the Trump administration to block it; specifically by Education Secretary Betsy DeVos. A federal judge has ordered that the Department of Education immediately begin to comply with the rule that grants automatic loan forgiveness to defrauded students who attended schools that were closed while they were enrolled. This is a big win for many who were bombarded with high debt due to some shady characters. These shady characters not only attack you from an institutional level but also from an individual level.

Millions around the world use mobile devices to watch movies, play games, get turn-by-turn directions, find news, read books, listen to music, bank online and much more. The portability of technology has literally placed the world in our hands.

While mobile devices are beyond convenient, some apps may pose a threat to your personal information. Although app makers promise to protect your privacy, data breaches have occurred despite their best efforts and most current protocols. While the Federal Trade Commission is doing its best to enforce developers’ privacy promises, be diligent in protecting yourself from vulnerable systems that contain significant amounts of your private information.

Here are five tips mobile apps users should consider to protect themselves and their data:

1. Guard your device.

In the wrong hands, sensitive information — including financial information and personal contacts stored on a mobile device — can cause a lot of damage. Keeping your mobile device within view in a safe and secure place will help mitigate the risk of unauthorized access. Lock your device with a password that is easy enough for you to remember but complicated enough that it can’t be guessed or easily copied. No “password” or “12345” passcodes!

2. Download apps only from trusted sources.

The easiest way to compromise your personal information is to give it away. Download apps only from trusted sources to ensure you are not aiding and abetting the theft of your information. Before you download, read the app’s privacy policy to see what information the app will store, how it will be used, and when and how they plan to securely dispose of it.

3. Turn off your Wi-Fi and Bluetooth® when not in use.

While Wi-Fi and Bluetooth are convenient ways to connect your device to other useful devices and systems, identity thieves can use your connection to access your files and information. Turning off your Wi-Fi or Bluetooth connection when you are not using it will help keep your information safe from hackers. Avoid open or public Wi-Fi connections that are unsecured. When you connect to an unsecured network, you invite others to view your private information freely.

4. Don’t store usernames or passwords.

Sometimes easy isn’t safe. While granting permission for a website you frequently visit to remember your username and password allows faster and easier access, it can also put your personal information at risk. This is especially true of financial apps or websites. If you use your mobile device to bank or shop, completely log out when you are finished. Avoid banking or shopping on your mobile device while on public Wi-Fi.

5. Monitor your credit.

When you’re familiar with how your credit normally looks, you can easily spot unusual activity and can minimize the damaging effects of identity theft when they happen. Remaining vigilant about suspicious or unauthorized activity on your credit report can help you recognize when thieves are attempting to access your information and solicit credit with your data.

Mobile devices offer unparalleled convenience on the go, but the benefits may not outweigh the costs. Proactively protecting your information can help prevent identity theft.

Ash Exantus aka Ash Cash is one of the nation’s top personal finance experts. Dubbed as the Financial Motivator, he uses a culturally responsive approach in teaching financial literacy. He is the Head of Financial Education at BankMobile and Editor-in-Chief at Paradigm Money. The views and opinions expressed are those of Ash Cash and not the views of BankMobile and/or its affiliates.

The Daily Digm (News)

T-Mobile’s Dream of Telecommunications Domination Is Almost Complete + How to Create Mental Toughness While Pursuing Your Dreams

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T-Mobile received verbal approval from the Federal Communications Commission for its $26 billion deal to buy Sprint but still awaits the blessing of the Justice Department. FCC Commissioner Ajit Pai said he’ll back the merger based on concessions by the third- and fourth-largest U.S. telecommunications companies, which include pledges to invest in new wireless broadband service in rural areas and to sell Sprint’s prepaid cellphone brand. While the FCC is expected to make a formal announcement within weeks, the Justice Dept. has yet to weigh out antitrust concerns.

Dream chasing isn’t for the faint at heart. It can take years before one sees the financial payoff of what was once an idea. T-Mobile is probably patient on the outside, but internal it is jumping for joy. It took them a few years to get to this point, but I’m sure they will be relieved at the fruits of their patients.

When building a business, your goal has to be more than money, or you will ultimately fail. Your drive has to be based on principle, change, and something greater than yourself. Here is how to stay mentally tough while pursuing your dreams.

Personal Development. The road to success is paved with character and growth. Personal development is one of the key drivers that sustain you on the path of your dreams. Trustworthiness, keeping your word, and dependability are imperative to any industry. It doesn’t matter if you’re a musician or painter, lawyer or doctor, these traits and non-negotiable and forever transferable to success.

Take Breaks. To get there, you must rest one mile at a time. The grind is overrated. Reflecting on how far you’ve come energizes you for the road ahead. Burnout is a danger to your accomplishments and leads to a failure by default.

Stay Hungry. Stay Foolish. Steve Jobs popularized this quote from an ad in The Whole Earth Catalog. It read Stay Hungry. Stay Foolish. We come to a point when we are happy with a level of progress and think we’ve learned everything. Accepting the truth that we never stop growing, and there is no limit to our success gives us the ability to keep going. To continue, you must never settle. You must always seek new ways of fixing things and solving problems. Discover new opportunities and be open to learning more.

Faith. Steve Jobs also mentioned faith throughout his journey. Believing so deeply in an idea that you make it come to life. Belief takes ideas and materializes them; and when you realize you can actually make something come to life, the sky becomes your launching pad, not the limit.

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Retail Wars Are Getting Real Competitive + How to Stay Competitive in the Marketplace

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Walmart has announced plans to offer next-day delivery on about 220,000 of its “most frequently purchased” online items, after rival Amazon promised free one-day delivery for Prime members. The retail giant says the offering, which applies to orders over $35, will reach about 75% of the U.S. by the end of the year. The more limited inventory makes Walmart’s offer more of a competitor to Target’s Restock than Amazon, says TechCrunch. But retailers need to get a better handle on their inventory and demand for fast delivery before making such moves, execs and analysts told The Wall Street Journal.

Competition is fierce no matter what the genre is and as it relates to these entrepreneurial streets, you have to make sure that you are staying ahead of the competition so you won’t get Walmart’d by your Amazon… So what can you do? Luckily, Marketing Donut has come up with Ten ways to keep ahead of the competition:

  1. Know the competition. Find out who your competitors are, what they are offering, and what their unique selling point (USP) is. This will identify the areas you need to compete in, as well as giving you a platform for differentiating yourself.
  2. Know your customers. Customer expectations can change dramatically when economic conditions are unstable. Find out what matters to your customers now – is it lower prices, more flexible or premium service, the latest products? Revise your sales and marketing strategy accordingly.
  3. Differentiate. It’s essential to give your customers good reasons to come to you rather than a rival. Your USP should tap into what customers want, and it should be clear and obvious – no-one should have to ask what makes you different.
  4. Step up your marketing. Improve your market positioning statement. Make more effort to tell people who you are, what you sell, and why they should buy from you. It doesn’t have to be expensive; marketing can range from posters in your window and leaflet drops through to viral campaigns on social media.
  5. Update your image. Simple steps such as painting the front of your premises can make your business look more modern and inviting. But also look at business cards, social media presences, your website, branded packaging, clothing and so on. Does your image reflect your USP?
  6. Look after your existing customers. They will be your competitors’ target market. Provide better customer service by being more responsive to their needs and expectations. If feasible, consider offering low-cost extras such as improved credit terms, discounts or loyalty schemes – remember, it’s cheaper and easier to keep customers than to find new ones.
  7. Target new markets. Selling into a greater number of markets can increase your customer base and spread your risk. Consider whether you can sell online or overseas, for example. Are there groups you’ve never targeted before who might be interested in your offer? Remember the benefits of market segmentation and don’t waste time marketing to people who won’t be interested.
  8. Expand your offer. What related products or services might your customers be interested in? You might even consider diversifying into another area – many bars and restaurants have successfully offered business networking events, for example.
  9. Be the best employer. Skilled, motivated staff underpin vibrant, growing businesses. But attracting them means more than paying a competitive wage – people are often more impressed by a good working atmosphere and benefits such as flexible working and structured career development.
  10. Look to the future. Businesses that plan for growth are more successful than those that are happy to stay still. Keep up with developments in your sector, follow consumer trends, invest in new technology and – crucially – have a clear idea of where you want to be in one, three and five years’ time.
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Negotiating Better Pay May Be Getting Easier + How to Easily Stay Ahead of the Game

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Salaries were once a taboo thing to discuss. Yet, with unemployment at a five-decade low and the gig economy requiring people to compare salaries, attitudes are shifting in the conversation, according to The New York Times. Keeping salary information secret favors managers who want to pay people less, say experts. More information about salaries may benefit workers, giving them wider room to negotiate better pay.

This is great news for those who in the past have been cheated out of a fair wage because they didn’t understand how to play the negotiation game. But it doesn’t only take negotiation to get top dollar; there are other tricks to the trade. Here are four ways anyone could use to get ahead of the career game:

  1. Know Your Strengths and Capitalize off of Them. Don’t try to be something you’re not or learn new tricks overnight. Stay in your lane and become stronger. The stronger you become, the more value you will have in the workforce.
  2. It’s Never Too Late to Intern or Volunteer. As adults, these can be such humbling terms, but it can still get your foot in the door. Just look at Chris Gardner. Not only did he become wealthy, but his rise to riches also led to a movie based starring Will Smith & Jayden Smith
  3. Building Your Connections. Who you know is just as if not more important than what you learn. Being authentically connected to others in your field of interest can open up a world of opportunities. One rule of thumb is never settled or compromise for relationships but do, however, seek to build solid ones.
  4. Create Your Own Platform. Don’t underestimate your ability to build an empire. Many successful entrepreneurs and professionals created their own jobs. Combine all of the above and consider investing them in your own enterprise.
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