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The Most Common Crimes That Occur During the Holidays

Most of us associate the holidays with happiness, family, and love. While many of us focus on the good things during the holiday season, police departments throughout the United States will quickly tell you that crime doesn’t stop during the holidays.

What members of law enforcement have noticed is that certain types of crimes seem to take place during the Christmas season.

DUI

Police expect that most of the arrests they make during the holidays will be related to DUIs. More people make the bad decision to drive after they have been drinking during the holidays than most other times of the year. There are several reasons this happens including:

  • People drink more than they realize during holiday parties
  • Some people realize how lonely they are during the holidays and drink to make themselves feel a little better
  • Teens have more time on their hands after school lets out for the holidays, giving them more time to party and drink

Before you go out to a holiday party or to a bar to meet up with friends, take time to figure out how you’ll get home. If there is even a chance that you’ll have a few drinks, it’s in your best interest to arrange things so that you’re not even tempted to drive.

Shoplifting

Shoplifting crimes happen all year long, but they seem to be especially common during the holidays. Part of this could be attributed to the fact that there are more shoppers in the store. It could be that because employees are so busy during the holiday season, people who wouldn’t normally shoplift spot an opportunity and decide to take advantage of it. Or it could be that some people would like to purchase a nice gift for their loved ones but don’t have the money and are unable to resist the impulse to take the items that have caught their eye.

Fraud and Scams

The sad reality is that the holidays bring about more fraud and scam crimes than other times of the year. One of the reasons fraud and scam crimes are so prevalent during the holiday season could stem from the fact that people are busy, so they don’t pay as much attention to what is being said as they normally would. Loneliness, which is often felt more during the holidays, could be another reason so many people fall victim to fraud and other types of scams during the holidays.

While you want to enjoy the current holiday season, you also have to be vigilant and take steps to protect yourself against crime this holiday season.

What is the difference Between Driving Under the Influence of Drugs and Driving Under the Influence of Alcohol?

In California, driving under the influence means driving while under the influence of either alcohol or drugs. Many people often wonder if there is a difference between driving while under the influence of drugs or alcohol.

In terms of the charges connected strictly to your driving, there’s not much of a difference if you’re under the influence of alcohol or drugs. You will face some serious fines, probably be ordered to get some counseling, lose your driving privileges, and possibly spend some time in jail.

What is different is that if you’re caught driving under the influence of drugs, you’ll not only face the same charges connected to driving under the influence, but you’ll also face any charges that are connected to the use of the drugs you have in your system. A perfect example of this is a person who is caught driving while under the influence of prescription drugs that they don’t have a legal prescription for. They will also face charges for not having a prescription, illicit drug use, and possibly additional charges.

The other issue to consider is that some prescription medications interact badly with alcohol. If you mix the two, you could be charged with a DUI if they react strongly with one another.

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The Smartest Way to Handle a Big Lotto Win

With the Powerball jackpot soaring to over a billion dollars, people are stocking up on tickets. Even people who have never played the lotto before are purchasing a ticket and daydreaming about what they will do if they strike it big.

Since there is always a chance that you could win, dedicating a few minutes to learning what you should do if you happen to have the winning numbers is a good idea.

Sit on the News

The best thing you can do if you find out that you’re holding the winning numbers is to put your lotto tickets in a really safe place, like a safe deposit box, and sit on the news for a while. Don’t tell your family, don’t go directly to the state lotto office, and don’t make any huge purchases. Give yourself some time to come to terms with what has just happened and to think about how this will change your life.

It’s also a good idea to spend some time thinking about what major life changes you want to make and what you want to remain the same.

Seek Financial and Legal Assistance

Before you contact the lottery office, it’s a good idea to connect with both a legal advisor and a good lawyer who has a solid financial background. Both of these professionals will help you explore all of your options so that you can best decide how to handle your lotto winnings.

While you’re working with your financial advisor, it’s a good idea to have them consolidate your debts so that the first thing you do with your lotto winnings is paid things off. Knowing that all of your outstanding debts are handled allows you to sit back and enjoy your winnings.

Have a Plan in Place to Deal With Loved Ones

It’s possible that learning about your stroke of good luck will bring out a side of your loved ones that you’ve never seen before. Some will be genuinely happy for you. Some will be jealous. Some will believe that you are now the perfect person to hit up for money.

Before letting your loved ones know of your windfall, sit down and decide how you want to handle financial gifts and loans. Not only should you determine who will benefit from your lotto win, but you should also have an explanation ready for when you find yourself in a position of having to tell someone no, you won’t help them out.

Look To the Future

One of the mistakes that some lottery winners make is assuming that the money will be around forever. They go on a spending spree and drastically change their lives only to find out that the money spends faster than they thought, especially when tax season rolls around.

Before you start spending your lottery winnings, you should think about how much you need to add to your retirement fund, how you’ll pay your way as you get older, and potentially have to deal with health problems and other expenses that could crop up. The more of your winnings that you can set aside for your future, the better.

Explore Tax Deductions

Taxes will eat into a large chunk of your winnings. And they will continue to do so. Sit down with your financial advisor and learn about the different things you can do to minimize the amount of taxes you have to pay. Some choices you can consider include charitable donations, and maxing out your 401K.

Once you’re satisfied that you have thought through everything, have set up a good financial plan, and are fully prepared for the different ways the winnings will change your life, it’s time to contact the nearest lotto office and start the process of collecting your lotto winnings.

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Money Saving Tips for the Holidays

All the signs point to us being poised on the brink of a recession. Between inflation and the outrageously high price of fuel, most of us are looking at the holidays and wondering if there is any way we can save a little money yet still enjoy the holiday season.

The good news is that yes, it is possible to cut back on your spending and still have a fantastic and memorable holiday with your loved ones.

Put Your Credit Cards Away

Make this the year that you don’t use your credit cards to finance your holiday. The problem that many people run into is that since they are using a credit card, they don’t pay attention to how much money they are actually spending while holiday shopping. When the credit card statement arrives, it’s always a shock. Even more alarming is how quickly the interest adds up.

You’ll be amazed by how much more aware you are of your spending when you stick to cash or your debit card. Best of all, you won’t have to worry about any surprising bills showing up in January.

Stay Home

One of the biggest expenses many people run into during the holidays is the cost of eating out. There’s something about the holidays that inspires people to go out. While this is fun, it can quickly become expensive. Rather than going out to eat dinner, look for fun and innovative ways to dine at home. Try new recipes, prepare picnics, and cook favorite meals you don’t eat often. You won’t believe how much money you save.

When you invite loved ones over for the holidays, consider asking them to bring a dish to pass. Not only does this help you save a little money, but also ensures that there is at least one dish on the table that they’ll enjoy.

Make Your Gifts

Giving gifts is a great way to lift our moods, but it’s also a drain on your bank account. Rather than buying expensive gifts for friends and family, try getting creative and making a few things. If you’re stuck for ideas, check out your local community center, many places offer fun courses that not only end with you bringing home a fun craft project that you can turn into a gift, but also the skills needed to make more so that everyone can benefit from your handiwork.

Consider a Side Hustle

If you have the time, a side hustle such as getting a seasonal job or selling products online is a great way to put aside some extra money for the holidays. If you really want to get the maximum value from your side hustle, try using just half of the bonus income for the holidays and putting the other half into savings.

Cut Back on the Traveling

If you’re the type of person who likes to make lots of little day trips during the holiday season, this is the year you should consider cutting back. Look for ways you can combine several of your holiday excursions into one day so that you don’t spend as much on fuel.

What money-saving ideas do you plan on implementing this holiday season?

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4 Facebook Scams You Should Know About

Most of us spend a surprising amount of time on Facebook. We love posting about the exciting things taking place in our lives, we enjoy looking at the photos loved ones share, and we often treat it like an interesting party line that provides a legal way to spy on the lives of others. We seldom stop and think about how dangerous Facebook can be, even though we routinely hear about friends whose accounts have been hacked or who have encountered a Facebook scam.

While you don’t have to completely stop using Facebook, you’ll get more out of the social media giant if you are aware of the most popular Facebook scams and know how to identify and avoid them.

Phishing

Phishing on Facebook is just like other forms of internet phishing, it just takes place on Facebook. The way it works is someone creates a fictitious Facebook account that suggests they offer a service or own a business. When you express interest in the business/service, the mastermind behind the account steals a great deal of your information, including your Facebook password, and uses it for personal gain.

The best way to spot a Facebook phishing scheme is by looking at the website you are directed to. If the URL has anything other than facebook.com on it, it’s a scam and you need to exit it and clear your browsing history right away.

Counterfeit Products Promoted on Facebook Marketplace

Facebook marketplace has become a popular place for people who have cheap products to make a quick buck by promoting them as if the product was name brand or high quality. The best way to avoid falling into this trap is to study the pictures closely and read the seller’s reviews. If the product looks suspicious or there are many bad reviews, move away from that seller and look for something else to purchase.

Bogus Job Scams

Even though Facebook isn’t the first place most people look when they’re hunting for a new job, there are some legit job opportunities posted on the social media site. The problem is that there are also some surprisingly convincing bogus job scams available on Facebook.

The purpose of the bogus job scams is the same as other scams, the person behind the scam wants to extract specific information from you that they can use for their own gain. The best way to protect yourself from a bogus job scam found on Facebook is to never give away any personal information, change your password each time you message the person responsible for the job listing, and carefully research the company that allegedly posted the job.

The Scam Involving Gift Cards

The general rule of thumb is that if something sounds too good to be true, it probably is. That’s certainly the case with many of the gift card offers floating around Facebook. One of the reasons so many people are conned by fake gift card scams is that the person behind the scam hacks an account and makes it appear like the offer is coming from a loved one. And the wording is both persuasive and authentic.

The scam is twofold. Since you’re asked to click a link and provide information about yourself, the person behind the scam collects information from you that they can use to help steal your identity. They also ask you to share the post, making it possible for them to connect with your Facebook friends so they can run the gift card scam on other people.

The best way to avoid getting drawn in by a Facebook scam is to limit your social media actions to dealing with people you know well and always confirm their identity before clicking on any links or secondary accounts.

Tennessee’s Car Seat Laws

Every parent who has an infant knows that they’re supposed to have a car seat installed in their vehicle. They even know that it’s state law. What some parents don’t know is how important the car seat is and the consequences of having a car seat that doesn’t meet current safety standards, that isn’t properly installed, or that isn’t properly fitted to their child.

According to Car Buyers Guide, “in a recent study, the RSA inspected 5000 child seat installations from the public and found that over 4000 of them needed adjustments of some kind to ensure optimum safety.”
Tennessee’s lawmakers used Tennessee Code 55-9-602. to address the issue of car seats. The law clearly states that:

  • Children under the age of 2 must be properly restrained in a rear-facing car seat
  • Children under the age of 8 must ride in the back seat and be safely restrained in an age/size appropriate safety seat.
  • The child must be secured into the safety car seat in a manner that complies with both height and weight limits that are to be specified by the car seat manufacturer.

According to the Mayo Clinic, the most common mistakes parents make when it comes to the car seats they’re using include:

  • Purchasing a used car seat without making sure it isn’t more than 6 years old, hasn’t been involved in an accident, hasn’t been subject to a recall, and has no indications of damage or structural problems that could endanger a child.
  • Failing to properly install the car seat
  • Failing to properly restrain the child before driving
  • Reclining the car seat so that the child isn’t at the correct and most safe angle
  • Switching their child to a forward-facing car seat before the child is ready

The first time a driver is ticketed for not following Tennessee’s car seat laws, they’ll be issued a ticket. The driver of the car is responsible for making sure that children under age sixteen (16) are properly restrained and may be charged and fined $50.00 for violation of the law.

In some cases, the ticket for not having a child properly restrained to a child seat is the least of the driver’s worries. In many situations, the driver will also face charges of negligence and child endangerment.

It doesn’t matter how big a rush you are in, always take the time to make sure your child is safe before you hit the road.

Staying Safe While Enjoying Dorm Life

One of the best things about finally going to college and moving into a dorm is that not only are you free of your parent’s strict rules but you’re also in the perfect place to meet people who will become lifelong friends.

While there are many perks connected to living in a dorm, there are also some drawbacks. The first is safety. While most colleges and universities try to take as many precautions as they can and to keep all students safe, they can’t stop everything. It’s up to you to make sure you do everything in your power to stay safe while also enjoying dorm life.

Keep Your Doors Locked

Dorms foster a community vibe that makes it feel like the entire building is your home. This is a great thing but can also be dangerous. The problem is that while you might know and like everyone who lives on your floor, you don’t know who might be visiting. No matter how comfortable you are with the people who live in your dorm building, always be good about keeping your dorm room locked both when you are and aren’t in it.

You also need to get into the habit of checking the identity of anyone who knocks before you open your door. Don’t assume that everyone who raps on your door has friendly intentions.

Lock Up Your Valuables

It’s a good idea to keep a safe in your dorm room and use it to lock up your valuables, such as your laptop when you’re not using it. Locking away your valuables makes your dorm room less appealing to thieves.

Pay Attention to Your Drinks

It doesn’t matter if you’re hanging out in your room with a handful of friends, at a party, or have gone to a restaurant, pay careful attention to your drinks. Never leave your drink unattended. If you do have to walk away from your drink, dispose of it and get a new one. The last thing you want is to drink something that has been drugged.

Don’t Travel By Yourself, Especially at Night

It doesn’t matter if you were at a party or simply engaged in a late-night study session at the library. Don’t walk home alone. Find someone you trust to walk with you back to your dorm. Don’t ask a stranger. If no one you know can walk home with you, spend a little money and take a cab or call an Uber.