Tuesday, February 21, 2012

How Target-ed advertising strips away our privacy

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By Arthur Caplan, Ph.D., msnbc.com contributor

COMMENTARY

Your privacy is gone, and it's never coming back.

A report that Target accidentally disclosed a teen girl's pregnancy to her father shows the logical extreme to which retailers can take the search for more information about their customers.

This is what happens when you hand the cashier at your local drug store or grocery store any of a zillion plastic reward cards. Sure you get discounts, coupons or cash back. But you also hand over information that allows the retailer to create a complete personality profile based on your shopping habits.

That is what apparently happened to an unidentified high school girl who Target identified as pregnant from her pattern of purchases. According to a story in the New York Times Magazine, the girl's father complained about a mailer sent to her featuring ads for maternity clothing and other items that might be needed by a mother-to be. The father complained to Target about the "error" but soon discovered that Target knew his teenage daughter?was pregnant before he did!

In one way there is nothing unethical about Target and other retailers trying to encourage customer loyalty by offering discounts to those willing to scan their card every time they go through the checkout lines. After all, you have to sign up for the card.?You have to decide to pull it out whenever the cashier asks if you have a loyalty card.?And you are responsible for reading, as I just did for the very first time, the privacy policies of retailers and consumer-product companies such as Dunkin' Donuts, Cabela's, Budweiser and Bayer.

I picked those four since consumers might not necessarily want others to know about their shopping habits when it comes to items like fattening food, weapons, alcoholic beverages or birth control pills. While each company promises to protect your personal information it is not clear that their promotions or rebates might not alert someone else that you like nothing better than a weekend of donuts, firearms, beer and making whoopee.?Moreover, there is nothing to prevent the data they have on you from being sold to other companies that might buy them.?Nor is it really clear what steps they take to protect your identity or to minimize the accidental release of information.

You don?t have to be?paranoid to be concerned that privacy left the building long ago. In an electronic era of credit cards,?loyalty cards, online banking and website cookies, information about your shopping and browsing habits moves at the speed of light. As soon as you do anything, someone else knows. Retailers and advertisers might know things about you before your family and closest friends do. And the outfit you trust to protect your data can in the blink of an eye be in the hands of another that you may not.

There is little you can do to prevent this. ?Still, retailers owe it to us to do a better job of protecting our privacy. In tough economic times, the vast majority of ?consumers will easily sacrifice a bit of privacy to save a few dollars. But as the story of the father, Target and the maternity ads should make very clear, that sacrifice comes at a ?price that is poorly understood and can be quite high.

We should not allow our ability to control who knows what about us to be crushed under a mountain of privacy pledges, security policies and confidentiality riders that are not worth the unread websites and disclosure forms they appear on. ?If privacy is to have any future in an age of sophisticated marketing and consumer purchase monitoring it will need far more attention from consumers and regulators.

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?Arthur Caplan, Ph.D., is a professor in the Department of Medical Ethics and Health Policy ?at the University of Pennsylvania.

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Source: http://lifeinc.today.msnbc.msn.com/_news/2012/02/20/10438258-how-target-ed-advertising-strips-away-our-privacy

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Monday, February 6, 2012

The Choix To Weak credit Unsecured {Loans|Financial loans ...

How to fix bad credit

A lot of people suppose that adverse credit unsecured loans are their only option, and they are pretty completely wrong! You will discover loans accessible to people with lower or adverse credit that could offer you much better fees, however you may have to supply anything in exchange. Since getting an unsecured mortgage really should be a very last vacation resort, we rounded up a few of the much better alternatives that you will make.

? While adverse credit unsecured loans assist you to keep away from getting a guarantor or perhaps a residence concerned, chances are high that you forgot about title loans. When you know you will have the cash quickly, you?ll be able to give your car title as collateral until eventually the mortgage is compensated off. It is really a secured, short-term mortgage which is terrific for compact quantities of fast funds.

When you you should not have a property or perhaps a automobile which you?ll be able to give, you could be ready to consult to the support of a shut companion or relative by getting them to get a guarantor. Guarantor loans are efficient, lessen charge mortgage which have been secured by obtaining two payers in its place of one. Will not get anyone concerned in the event you are not sure you?ll be able to shell out the mortgage ? friendships is usually ruined that way.

A P2P mortgage, although technically unsecured, is still an improved option than numerous in the unsecured loans provided by banking institutions as you can negotiate fees which has a real man or woman in its place of a company. The downside to these loans is the fact there is certainly generally a $6,000 greatest.

Many people could advise that borrowing away from your Roth IRA or your 401K may possibly be a good option. If you?re in the dire position, this might not be a lousy plan for pretty large quantities. Make certain the taxes and loss are well worth it!

Though that is not commonly probable, if there is certainly any likelihood that you can help save up the cash or pool money together with a companion for this purpose, you ought to seek to perform in direction of that purpose in its place of using a bad credit unsecured mortgage. Feel us, it?s going to be less expensive!

Generally, getting an unsecured mortgage really should be a very last vacation resort. Brainstorm answers that won?t damage your financial institution account around an unsecured mortgage. After all, you mustn?t should shell out this sort of a higher rate to the flaws within your prior, and that?s just what a bad credit unsecured mortgage is likely to make you do.

For more info about how debit card loans visit clearbadcredit.net/are-debit-card-loans-worth-it

from your own site.

Source: http://www.stephaniemcintoshmusic.com/the-choix-to-weak-credit-unsecured-loansfinancial-loans/

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Sunday, February 5, 2012

How to get quick pay day loans ? shadwickforcongress

Banks do not appear into your outgoing and incoming lender repayments or examine your credit position. While these personal loan organisations surely have lower demands for approval that does not automatically indicate that they do not execute any other checks on their clientele.Quick payday loans are unique from regular loans. First of all, organizations that offer these financial loans are not automatically identical to common banking establishments that offer traditional financial loans.

Processing of a common bank loan will take a good deal of time due to which such loans are not ideally suited for your emergency hard cash wants. Also, you should go through an array of formalities to be qualified for old fashioned financial loans. payday-now.net are applied on the web and the borrower need not go to the premises of a loan provider whereas in case of classic loans, you might possibly be essential to personally go to the lender?s company to solution a string of thoughts and to reply them all to the ideal you could even have to have Randinkosksy authority information.

The most significant benefit of fast payday financial loans through customary loans is that the former do not have to have a great credit rating as an eligibility criterion exactly where as in scenario of the latter, unhealthy credit heritage is sure to direct to rejection of bank loan program or resulting pretty superior interest charge.

Usually, the amount of fascination billed in payday income financial loans is significantly larger than classic loans, but contemplating these act as very best equipment to rescue you from economical worries when other resources seem bleek, you can use them usually. A number of finance advisors oppose immediate payday loans because of to superior fascination rates, but the persistently escalating range of people today who have benefited from these loans serves as a advice for consumers who are in dire need of revenue to see by themselves by means of a number of months. Any calendar year hundreds of personal loan organizations that scammed their consumers have been subjected by neighborhood and even federal authorities. Loan businesses that declare they do not perform any checks on their individuals will need to be avoided at all expenditures. Make positive you do not pay enterprise any startup costs in advance of getting your personal loan, as this is the most preferred technique between scam suppliers.

Ahead of making use of for a payday bank loan, you ought to entirely fully grasp what these financial loans are and what they should really be used for. You should really strictly use this money if an emergency finance state of affairs arises and you require to tide you about right up until you get a paycheck. Given that of quick repayment terms and conditions, you will be necessary to have a legit source of earnings and a valid SSN. Many different personal loan requests are effortlessly tracked and can outcome in a full denial for all your purposes.

Source: http://www.shadwickforcongress.com/how-to-get-quick-pay-day-loans

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