Tuesday, 21 October 2014

Protecting yourself online

I recently read an article about the increasing problem of identity theft and fraud in the UK. As someone who regularly shops online, it’s something that’s always in the back of my mind but I’m never quite sure if I’m doing enough to protect my details.
Suddenly worried that I wasn’t doing enough, or even doing the right things, I looked into it further.
Online identity theft is a growing problem and fraudsters are using ever more advanced techniques to access personal information. Fake websites can be set up that require you to type in your online banking passwords and phising emails appearing to be from your bank can also lead to your details being stolen. Social media sites can also be use to extract a surprising amount of personal information.
To protect yourself against schemes like these, there are a number of simple steps you should take (more details found here):
  • Choose strong passwords
  • Check there is a padlock symbol in the browser window before entering any payment details
  • Never put too much information on social networks
  • Don’t open emails if you don’t know who they’re from
And it’s not just in the online world that we need to protect our details. Fraud and identity theft were an issue long before the internet existed. Your bank details, date of birth, address, NI number, and passwords can all be taken from your bank statements, pay slips. 
There are a number of things you can do to protect your information. The main things to remember are:
  • Redirect your mail when you move house
  • Shred and securely dispose of all sensitive documents
  • If you lose a debit or credit card, or have one stolen, report it immediately!
  • Ensure that you are registered to vote at your current address
It’s also well worth consulting a credit reference agency, such as Experian Credit Expert who can check your current credit history and take measures to protect your rating in the future. If you sign up to their CreditExpert memberships, you will also receive access to a web monitoring service that will ensure you and your personal details stay safe online. And, if you do find yourself a victim of identity fraud or theft, they will help you to protect and restore your rating by adding additional security features and a Notice of Correction to your report. This will explain to future lenders that you have been the victim of identity fraud and that you are not responsible for the credit.

Vita Liberata Nkd Skn tan

Vita Liberata Nkd Skn
Vita Liberata Nkd Skn

When it comes to fake tan I always opt for a mousse as I find them the easiest and quickest to apply. When I got the chance to try out the Vita Liberata NKD SKN tinted tan mousse I was really excited. I have used Vita Liberata before but this is a new collection that claims to instantly bronze you with no patching or streaking and no telltale smell. 

When I first started applying it I was thinking it was a lot darker than any other 'medium' tan I had used before, I was fine with that though as I do like to have a noticeable difference when I tan. It was easy to apply and blend and dried extremely fast which I'm a big fan of. You have to work fast but at least you aren't tacky for ages afterwards-that's one of my pet hates with a tan. I also was pleasantly surprised that there was no strong scent of fake tan while I applied it. I went to bed looking like a bronzed goddess! 

When I woke up, I was impressed with the colour but I had to shower and wash it off. I found this is where most of the colour came off. When I got out, I was still streak free but it had definitely faded to more of a sun kissed glow rather than a bronze tan.

In comparison, it's very similar to my favourite tan Cocoa Brown in terms of how fast it dries and how easy it is to apply without streaking. I'd say it's probably a bit lighter in colour than the Cocoa Brown so overall I'm quite impressed but I do think I need the dark version. 


What are your thoughts on this?

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Monday, 20 October 2014

Your psychic reading: Telephone vs. face to face

*PR Collaboration by Kathy Reyes. Kathy Reyes has turned to psychics many times over the years for help with life. An avid blogger, she enjoys writing about what she has learned, so she can help others online. 


You’ve been going to psychics for years, and you just can’t get over the fact that many of them are now switching to phone consultations. Does that even make sense? Well, according to some psychics, it does. There’s a few reasons to believe that phone consults are at least as good as personal, face-to-face meets. But, before you decide, consider the following:

Face-To-Face

Face-to-face physic readings have the major benefit of you being able to speak directly with the person giving you the reading. A lot of psychics can read your body language, which means being there in person gives you the benefit of actually being able to look at and touch your psychic. 

That’s something a lot of people still value, and something many people still believe helps. Some just like the atmosphere, and that’s a benefit in and of itself. 

Now for the bad news. Getting a psychic reading in person doesn’t afford you a lot of legal protection. For instance, let’s say you walk into one of those seedy outfits on the side of the road. It’s mysterious, for sure. But, if you’re not satisfied, what assurances can you get that you’ll get a refund. 

Surprisingly, not many. Most of the small psychics out there don’t offer a guarantee. And, even if they do, there’s no real way to enforce it. Psychic readings are considered “entertainment,” meaning if you pay then you’ve received the service and usually aren’t entitled to a refund. 

Over The Phone

Getting a reading over the phone, from companies like TheCircle Psychics, carries a lot less risk than it used to. Today’s phone psychics are highly regulated and most of the time you’re paying with a credit card, so there’s inherent protection if you’re unsatisfied. 

You can also choose from multiple psychics if you just want to “play the field” and find someone you’re compatible with. And, all phone psychics know how to “read” you without you even having to be there. So, there’s very little risk that you’ll be unsatisfied with the reading. 

Plus, because you’re not dealing with just one psychic (usually, there’s a pool of psychics to choose from), you can choose one for tarot readings, one for consultations on the afterlife, and another for advice about your personal relationships and the future. 


The list of disadvantages to phone readings is a short one. There’s the fact that you can’t see the person you’re talking to - that seems to be a major disadvantage for some. You also don’t have the atmosphere that you have when you personally visit a psychic. Finally, there’s always the chance that you end up with someone on the phone who stalls just to make time on the phone (which racks up a bigger bill for you). 

This was a lot more common in the early 1990s and 2000s when phone psychic readings were still new. It’s not as common a practice anymore, but it’s still out there and something to watch out for. 


Our Weekend

Our weekend was pretty low key this week, mainly just getting odd bits done that I needed too and doing a lot of washing! Ugh! We kicked off Saturday with a yummy breakfast of bacon & eggs.. mm there really is nothing better is there? Oh except coffee..and chocolate.. and doughnuts.. ;)

Something I really wanted to try this weekend was making my own almond butter. We had a stash of almonds in the cupboard so I whizzed them up in the blender with a teaspoon of Lucy Bee's Organic coconut oil and viola! Homemade almond butter!


On Saturday's, Warren is at football from 12-5ish and so Sienna and I spend quality time together at home doing fun things. This weekend we snuggled down with the new 'Abney and Teal' magazine that is specifically aimed at pre-schooler. It's interactive and asked her to respond, stick stickers and even jump up and down and well as having little stories and songs to read. I loved how it had some physical elements to it as well as the educational aspect of it. Of course, she also adored the guitar and recorder that was free with it.. she's very musical at the moment and loves making lots of noise. We had lots of fun reading, colouring, counting and sticking and think it's the perfect magazine for pre-schooler, especially on a rainy day. It launches on the Wednesday (23rd October) and we highly recommend picking it up!


Sunday was spent at Asda getting meat to stock our freezer up with and then consuming copious amounts of coffee in the afternoon.. and maybe a Cadbury's caramel doughnut ;) That's what Sundays were made for, right?!



What did you get up too?

PS. A new Vlog of our night at the fun fair went live Sunday morning, click here to watch :)

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Saturday, 18 October 2014

What's in my bag (potty trained toddler edition)


Now that Sienna is potty trained and nearly 2, I don't feel the need to have a full sized changing bag anymore. Going out is so much easier and I was carrying around so much in it that we barely even used. The changing bag I have now is the Pink Lining Bramley Tote in Navy with Cream Bows and I love it! 


Navy is perfect all year round but even more so in the Autumn. I love the brown detailing, the pattern of the bows, and the contrast of the bright pink lining inside; it's girlie but not over the top. It's the perfect size for us at the moment, what I take for Sienna has been cut down dramatically and so I feel like my handbag is finally my own again-just about! It has a pocket on either side, a standard zip pocket inside and then just a big pocket as regular handbags do. I feel we have just the right amount of pockets for everything, it's the perfect mum & toddler bag! 



In the smaller pocket on the back, I keep a few little toys in to amuse Sienna when we're out and about and some snacks for when she gets hungry. 


In the inside zip I keep my Oyster card, any store/club/loyalty cards that I don't use all that often and a bag of Sienna's hair clips and hair bands.. her hair is always in her eyes and I need a good selection to choose from that it still matches with what ever outfit she has on! 


 In the larger outside pocket I keep a wet bag, wipes, hand sanitizer, her bib and spare knickers. I also try to remember to chuck in a pair of spare trousers or tights depending on her outfit that day, but to be honest, I mostly forget!


The main section is where I keep my bits.. Just my purse with my cards & money in and my essential make-up items in my Sew Lomax 'Mummy's stuff' bag. Concealer, powder and lipgloss is all I carry. to be honest I barely have time to touch those up let alone anything else! Polo's are also a must!


Also in the main section I keep this little Kids first aid kit. I never used to carry one but now Sienna loves to run everywhere, I feel it's essential. This one is fab, it has everything in there you would need for the usual cuts, scrapes and grazes; 

-Alcohol wipes x2,
-Creature plasters x9,
-5cm conforming bandage,
-1 pair Vinyl gloves,
-5cmx5cm low adherent dressing,
-Triangular bandage,
-Microporous tape,
-20ml eye wash pod x2.

I do also keep a few sachets of Calpol in there just incase! It surprisingly doesn't weigh that much and isn't too bulky so I find it no problem to carry around with me in my bag and gives me a little bit more piece of mind that I'm prepared if Sienna does get an ouchie! 


What's in your bag?

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