Identity Theft! Part 1.

According to the U.S. Department of Justice, in 2016, a whopping 26 million Americans 16 or older, reported they had been victims of identity theft during the prior 12 months. The good news is 88% had almost no out-of-pocket losses. Still, behind every number is a real person, with a real story, and that’s where we begin. Consider the following true story.  A woman receives a bill from a hospital, requesting payment for a surgical procedure which included an amputation of her left foot. The problem…. She never had the surgery, as demonstrated by the fact that both her feet were intact. To read the rest, Click Here to check out my June MMR column

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Sounds Flat? Try Tuning up Your Brain

Listening is the musician’s currency. When something interferes with listening, it can be torture, especially for the performing artist. 50 million people in America today have reported ringing in the ear – a definite problem for music listeners and music makers. This ringing is called tinnitus, a medical term for auditory perceptions usually heard in the ear(s), but not produced by external sound. Since tinnitus can be brought on by exposure to loud sounds, it’s no surprise that a disproportionate number of musicians have it. To read the rest, Click Here to check out my May MMR column

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Identity Theft

What is Identity Theft? Identity theft is the misuse of another person's identifying information. In true identity theft, an identity thief uses another person's Social Security number and other identifying information to fraudulently open new accounts for financial gain. Victims may be unaware of the fraud for an extended period of time, which can allow the criminal to continue the ruse for months or even years. The criminal can use the victim's identity to work, receive medical care and commit other types of fraud. Account-takeover and credit-related fraud are common problems associated with identity theft. The Case of the Disappearing $300,000 Loan. Content published by CyberScout.com For homebuyers, nothing beats the excitement and relief that comes with a home loan approval. So you can imagine the horror when those funds suddenly disappear.  John and Nancy Ritter* experienced the trauma of this situation firsthand when a thief used stolen personal information to initiate a fraudulent wire transfer of…

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Innovation!

Eight Steps to Better Understanding and Addressing Customers' Needs. In my April 2018 MMR column titled, “Measuring Customer Perceptions,” I introduced a great innovation tool called Net Promoter Score tool. Net Promoter Score is a free tool and depends on asking one simple question to customers: How likely are you, on a scale of 0 to 10 to recommend this product or service to a colleague or friend? The higher the number, the better. Zoho. com offers a free version for your website. The Net Promoter score is a great tool to promote innovation Innovation is important, for it can help a business remain relevant in changing markets by creating new products and services. To read the rest, Click Here to check out my April MMR column.

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What Do Your Workers Really Care About? Walmart was surprised.

When employees are asked what their biggest business complaints are about, one might jump to the conclusion that their compensation would be listed as the number one issue. Walmart found out otherwise. Walmart's CEO asked his employees a question  and even he was surprised at the response. Greg Foran, the recently appointed US CEO of Walmart asked workers the following: "Can you send me three things where you think we've cut muscle instead of fat, and can you email it to me?" From the thousands of responses he received, a surprising theme emerged: Workers wanted toilet-seat covers returned to the stores' restrooms. Foran said, "Small thing, but really important. In the interest of saving money, we'd taken those things out."  Foran and his team came to the conclusion, that fixing "hygiene factors" were vital to get employee's buy in for the turnaround plan. Why this matters? Gallup has reported that organizations…

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