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Tag: Loss

  • Crystal Meth Addiction – Signs Someone You Know Is Addicted to Crystal Meth

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    Crystal Meth is a pure form of methamphetamine, derived from either ephedrine or pseudoephedrine. It can be crushed and snorted, melted in a glass pipe and smoked, injected with a syringe, even eaten. Users experience feelings of euphoria, heightened senses, increased energy, a perceived increase in focus and feelings of power.

    The following is a partial list of observable signs a person is on the drug:

    1. Whatever the person is talking about pours out in a stream.

    2. If you have the chance, have the person stick out their tongue. A person who is on meth will be showing you a tongue in muscle spasms. It will look as if it has electrodes hitting different parts of it simultaneously.

    3. People who are on meth tend to sweat well beyond what is considered normal.

    4. Crystal Meth produces dilated pupils.

    5. A person taking it will repeat the same behavior over and over.

    6. You may notice an unusual breakout of what looks like acne, and the person will pick at the blemishes. Even if there is no apparent breakout the addict may pick at his skin for no apparent reason.

    7. You may notice (in some cases but not all) rapid weight loss, especially around the face.

    8. The person’s skin may be clammy looking or grey in pallor.

    9. The addict’s hygiene will be quite poor.

    10. Tooth decay is another common symptom of Crystal Meth abuse. Many people have lost a number of teeth from using the drug over periods of time. This is caused by severe calcium and vitamin deficiencies.

    11. Methamphetamine addicts are very active for periods that can last several days, even up to a week, followed by periods of sleep or depression.

    12. If a person has been taking Crystal Meth for a few days in a row, his jaw may “wind” or move in a sort of circle involuntarily.

    In addition to these symptoms, Crystal Meth creates severe vitamin and mineral deficiencies, causes inflammation around the heart, and causes inflammations on the skin. Meth users typically experience dramatic mood swings, going from elated excitement to feelings of deep depression, suicidal or even homicidal thoughts.

    Many Meth addicts start “projects” such as disassembling a radio, a piece of furniture or an appliance, and end up leaving it a big mess. They will often attempt to repair things by using parts from other things that are handy, creating an enormous mess of incomplete projects all around them.

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    Source by Steven Bruno

    Views: 0

  • How to Lose 10 Pounds in a Week Using a Treadmill

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    So, you like to run and you have a treadmill. You also have 10 pounds to lose and a week to do it in. What can you do? Can you really lose 10 pounds in a week with just a treadmill?

    The answer is that it may be possible to lose 10 pounds in a week (especially if you’ve just started to lose weight) but it is going be very difficult to do with just a treadmill. However, you can use a treadmill to help you lose this weight, definitely. In this article, I’ll explain how you may be able to do it. I say may, because this isn’t an easy thing to do so success isn’t guaranteed. However, even if you lose less than 10 pounds in a week but come close, you should be very happy.

    Why is a treadmill alone not the way to lose 10 pounds in 2 weeks?

    It’s a question of math, really. If you’re very fit and you run on a treadmill for an hour you may burn a 1,000 calories. Again, you will need to be fit to do so as you do need to run rather quickly.

    Even if you do this for 7 days straight, you will only burn 7000 calories or the equivalent of 2 pounds of fat. And this will not be easy to achieve.

    However, what is you did all that running and went on a lower calorie diet for a week? In that case, you’ll be able to create an even bigger calorie deficit and shed more weight. However, you do need to be aware that this is not a sustainable weight loss method. You can’t stay on a low calorie diet indefinitely as this may lead to a slower metabolism and make it difficult to continue losing weight or even maintaining what you lost. This is why a week is usually a bit too short to lose 10 pounds and be sure of long term success.

    If you’re just starting to lose weight, then it may be possible to lose 10 pounds in a week. However, don’t expect that all this weight will be pure fat loss. Much of this weight will be simply water weight. This is common for many diets as the initial days are often ones in which the weight drops off quickly. To maintain this loss you will have to continue training with cardio and strength exercises and to eat properly.

    The really way to lose weight with a treadmill is to make it a part of your overall training and nutrition routine. Run on the treadmill, do strength workouts, and eat properly to shed pounds. You may not achieve your goal in a week but it will be a better long term strategy.

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    Source by John Davenport

    Views: 0

  • Reduce Your One Pound of Weight in Every 72 Hours

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    Faster Weight loss technique

    The biggest problem that we can see among many people is gaining weight. 80% of female and 20% of male facing the problem of increasing weight because of their weight they feel embrace in-front of others and taking themselves for granted, they thought that they can’t look beautiful and charming because they thought that they can’t earn a beautifully shaped body But their thinking is wrong, a fat person can look beautiful and can also get a beautiful figure with one condition of adopting a correct way. Many people do exercises, follow a strict diet plan. Avoiding their favourite food etc. but, all this way doesn’t work faster. These ways give you a shaped figure in months or year but RED DETOX TEA is only way or technique that will reduce your one pound of weight every 72 hours. Many questions arise that what is Red Detox Tea? Why should Red Detox Tea be preferred more than green tea? How it is so beneficial?

    Better than any other weight loss technique

    Red tea is basically a Rooibos which we can also call red bush, it is a type of plant that readily available with so much potential and it is very impactful than any other exercise or even very good than green tea. It does not have caffeine but green tea have caffeine, if you want to drink red tea at night it will not leave you restless. Another attribute of red tea is taste, It is less bitter than green tea. Most of the time it happens people drink green tea to reduce their weight but its bitter taste stops them to drink it again but with the launching of red detox tea this problem is simply solved.

    Weight loss technique that good for health too

    Red detox tea will not only reduce your weight but also keep you away from the risk of many diseases, the antioxidant like Aspalathin and Nothofagin it have, will help you to control your blood sugar, reduce your extra fat, also reduce your stress, and other metabolic disorders.

    Weight loss technique for all ages

    This product is not only for adult or only for younger, but people of all ages can also prefer it to reduce their weight because of its recipe designed in a way that provides benefits to all ages without any side effects. People who are in the stress of losing their weight should prefer this. Red detox will reduce your one pound of weight only in 72 hours which is a very fast process, and also an affordable price. https://bit.ly/2QMABNz

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    Source by Muhammad Younus Umer

    Views: 0

  • Hustler Vs Entrepreneur – Which One Are You?

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    To hustle or not to hustle?

    Currently the use of the word “hustler” is thrown about as a positive way to describe oneself as having an entrepreneurial streak, or starting a new business.

    From the 1800s, hustler meant “thief”, and in particular, someone who was aggressive with their victims. Nowadays, the dictionary still holds this definition true, describing a hustler in a negative light: a thief or criminal; a gold-digger or prostitute; an overly pushy salesman (OED, 2015). In modern music (mostly ghetto rap), “to hustle” refers to a way of making money and doing it against all odds. Maybe the latter is where startups are drawing their inspiration from?

    Hustlers work for immediate gratification to obtain cash-flow, without a long-term vision. It’s about a foot in the door, a constant drive to keep making the money – it’s all about making the next sale.


    As an entrepreneur myself, I would NEVER like to be referred to as a “hustler”.

    Why hustle when you can “undertake enterprise”?

    Being an entrepreneur may involve overcoming odds and making money, but it’s definitely NOT hustling. Startup entrepreneurs find ways of making money, but do so ethically and in terms of a defined growth strategy. Entrepreneurs build a business, own the business, delegate, strategize, and think ahead. They link things – they are connectors: businesses, ideas and people. Entrepreneurs create systems, contingency plans, they develop others, and (probably most noteworthy) entrepreneurs consider exit planning.

    The actual meaning of entrepreneur?

    It stems from Old French, “to undertake enterprise”. What’s enterprise? Well, that’s work. The characteristics of an entrepreneur were added in the 15th century: a person with “adventurous disposition, readiness to undertake challenges, and a spirit of daring” (Harper, 2015). In recent definitions, “One who undertakes an enterprise; one who owns and manages a business; a person who takes the risk of profit or loss” (OED, 2015).


    Which side of the coin are you on?

    Hustler vs Entrepreneur…

    Semantics matters

    Words change in meaning across time – that’s a common thing. But shifting from a negative use to a positive usage (pejoration to amelioration) is very rare. Between entrepreneur and hustler, we need to reflect. From a linguistics perspective, something to watch here. From a new business perspective, you should decide which side of the coin you’re on.

    I guess the choice lies in this –

    Are you undertaking an ethical enterprise as owner and manager, with adventurous disposition, readiness to undertake challenges, spirit of daring taking risks of profit and loss?

    Yes?

    Then you’re an entrepreneur NOT a hustler.

    ~A.

    —

    Direct references:

    -Harper, D. (2015). Etymology Dictionary Via http://www.etymonline.com/

    -OED – Oxford English Dictionary (2015). Via http://www.oed.com/

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    Source by Autumn O’Connor

    Views: 0

  • How to Lose 60 Pounds in 2 Months

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    Is it possible to lose 60 pounds in 2 months? Yes, it is, and many people have done this before. You can do this as well if you do the right way.

    Is it safe to lose 60 pounds in 2 months? Well, it depends as everybody is unique. It may be safe for others, but it doesn’t mean it is safe for you.

    So what’s wrong with dropping 60 pounds in 2 months? There is nothing wrong with losing weight quickly, as long as it’s done the right way. You know that in theory, one could drop as much as 20 pounds a week following a very ambitious eating and exercise plan, devoting more than seven hours per week to rigorous exercise, and under a physician’s care.

    You would need to lose only 7-8 pounds a week to reach your goal, which is far less than 20 pounds a week. I think there’s nothing wrong losing 60 pounds in 2 months if you don’t have any health issues. Do consult your doctor first before you go for it to be sure it’s safe for you as I already mentioned, everyone is different. What is safe for others may not be safe for you.

    The very important key to lose 60 pounds in 2 months is to plan your diet and exercise very well. You need a proper plan to stick with. The plan must fit your daily lifestyle, the one that you are able to follow, not just quit after a week or less.

    The first thing you need to do is to find out why you can’t lose weight.

    1. Can you reduce high calorie foods and drinks?

    2. Do you feel stressed when you don’t have your favorite foods?

    3. Is exercise killing you?

    4. Are you too tired to exercise because you’re obese?

    5. Are you bored with following the diet program?

    6. Do you think you have tried many weight loss programs but they don’t seem to work for you?

    The list goes on and on. As you may already know that the basic rule of losing weight is to eat less but to maintain a healthy diet and exercise more. It sounds very simple to say but it isn’t in practice. You could overcome this issue by gradually changing your lifestyle. I understand that it takes time and you may not lose 60 pounds as fast as you want. That’s why you need to find out the right plan for yourself by trying out many weight loss programs and see what works best for you. Most people who successfully lost weight may have had many failures but it didn’t stop them from trying. You need to keep your motivation high in term of weight loss. Think positive and you’ve already won half the battle.

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    Source by Susan Boyce

    Views: 0

  • The Importance of Proper Sales Techniques

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    The success of any business can be directly related to the quality of its staff and the ability to meet any consumer demand. When your business struggles in this regard it helps to identify the areas of inconsistency which can result in the loss of consumers due to employee negligence. To avoid this unfortunate turn of events with your own company, it is necessary to identify the many factors influencing the importance of pursuing proper sales techniques.

    Factor I: Building Consumer Relationships

    One of the greatest mistakes amateur sales associates make is focusing on the drive to make a single sale form a single individual. This short sighted strategy may help in improving sales numbers in the short run but will provide no value with developing future success. The first factor influencing the importance of sales management skills is found with building consumer relationships overtime. Whether you run a store or an online website, pursuing a relationship with your client will help to secure greater sales as well as develop the best form of marketing, positive word of mouth.

    Factor II: Enhancing Selling Ability

    If you were to provide any employee with the opportunity to work with a consumer eager to invest in a product you will develop a high level of sales success. The true skill or value of an associate is to have the ability to work with consumers who may not have this interest yet still make a purchase after working with your employee. The selling skills of an employee staff often represents the financial success the company has displaying this factor of importance with enhancing selling ability.

    Factor III: Problem Solving

    When a customer discovers a problem with a good or service it is often easy to lose their business to a competitor in a short period of time. If a customer contacts your company with a problem it creates the possibility of salvaging your relationship by resolving the problem and enhancing consumer satisfaction. When your sales staff can utilize the sales management skills of problem solving it will boost your business success, marking the importance of this factor in relation to proper selling techniques.

    Factor IV: Revenue Development

    The final factor of importance identifying the need for proper selling skills is seen with the value of revenue development. Every business relies on the resources of revenue development so the elements of building consumer relationships, enhancing selling ability and efficient problem solving will all help in keeping consumers and meeting this high demand factor.

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    Source by Peter McKeon

    Views: 0

  • Uncovering the Weight & Lifestyle Connection

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    Why do some people have a harder time losing weight than others?

    Some people have really low metabolisms due to inborn genetic conditions. Others develop hormone-imbalance disorders like hypothyroidism later in life, which can also make losing weight nearly impossible without proper treatment.

    However, the most common cause of delay in weight loss is actually lifestyle choices.

    If you are already dieting and working out and you still aren’t seeing any progress, it’s time to do a lifestyle check to see if you have any “weight loss traps” holding you back.

    What are “weight loss traps?”

    Weight loss traps are habits, beliefs and general lifestyle factors that can slow down your progress in slimming down. To say that only diet and exercise are needed to slim down is an oversimplification. There are many other factors that affect a person’s weight.

    Factor #1: Daily Routines

    How do our daily routines affect weight loss?

    Daily routines have a definite impact on the weight loss process. If people evaluated their main routines at home or at work, they would immediately see why the weight isn’t coming off.

    If you grab cheeseburgers or tacos for lunch and you skip breakfast on most days, your metabolism is probably very low and your body isn’t burning calories at an optimum level.

    Poor eating habits often have precedents. For example, if a person doesn’t have time in the morning to prepare breakfast, it is likely that they often sleep late and wake up in the morning with only minutes left to shower and dress for work.

    It’s important that you slowly change your daily routines to fit your new lifestyle requirements. Otherwise, your body will not be able to shed fat efficiently.

    Factor #2: Stress Levels

    How stressed are you on most days?

    If you answered “very stressed” or “extremely stressed”, your level of stress may also be preventing you from losing weight.

    In addition to the mental strain that stress creates, physiological stress also affects cardiorespiratory efficiency, nerve health and even your digestive health. In short, when you are mentally stressed, your body (including your vital organs) is stressed too.

    In this situation, the only viable option is stress management.

    There are many stress management techniques available, from meditation to massage therapy. Some individuals like playing subliminal recordings with ambient sounds to relieve themselves of stress. Explore your options and see which technique will be the most beneficial for you.

    Factor #3: Sleep Quality

    Sleep is the only time that the body can start renewing and repairing itself. When you are actively losing extra weight, your body needs even more sleep so that your muscles and organs can repair and reconfigure themselves to function more efficiently.

    What happens when you don’t get enough sleep at night?

    Lack of sleep or poor sleep quality can affect your ability to exercise. Your metabolism is also slower and the digestion and absorption of nutrients also slow down.

    Having less than 6 hours of sleep every night can also cause physical stress which further reduces your metabolic efficiency. In short, if you want to melt away those extra inches, you have to give your “fat burning machine” the rest that it needs.

    How can you get better sleep at night?

    No Gadgets – If you are going to sleep, leave your tablet computer and smartphone on the bedside table or even farther away. Watching TV is also a bad idea as it makes your mind more active, making sleep harder to come.

    Aromatherapy – Starting with the ability to relax your mind and body, aromatherapy can vastly improve your sleep habits. Getting to sleep, staying asleep, the quality of sleep you are getting, and the ability to wake up refreshed are all quality sleep habits that aromatherapy can help you with.

    Lights Off – Current research shows that having even a small amount of light present during bedtime can affect sleep quality. It appears that we instinctually associate any form of light with sunlight and therefore, wakefulness.

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    Source by Josee Smith

    Views: 0

  • Can Animals Get PTSD? Yes! Animal Communication and Energy Healing Can Help

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    Today, many rescued animals experience PTSD. They need help to heal before they can integrate into your family. Animal Communication and Energy Healing are two powerful tools to assist them.

    Why do so many animals experience trauma today?

    Many of the reasons are similar to those experiences that can cause PTSD in humans.

    ~~ Too early separation from the mother dog, cat, or horse, for whatever reason.

    ~~ Separation from their human family due to hurricanes, storms, flooding, fires, earthquakes, and other weather or earth-changing event in which people and their animals can become separated.

    ~~ Being shuffled from one rescue place to another in the genuinely loving effort to find the rescued animal a new home.

    ~~ Traumatic loss because the family is no longer able to keep the animal due to financial and/or health changes.

    ~~ When animals are dropped off at shelters or abandoned without explanation, they are confused, scared, hurt, angry, grieving, and afraid – just to name a few emotions that come up for them.

    ~~ When the shelter is one that kills animals after so many days, the animals know they might be killed, and the spirits of other animals killed there may be lingering, making the situation even more uncomfortable.

    This is not a complete list, but this list illustrates that one or more of these experiences may make integrating into a new loving family a challenge for the animal you’ve so lovingly adopted.

    The good news is that animals can recover from PTSD.

    When you adopt an animal from a rescue facility, you may not realize immediately that the animal is having difficulty adjusting.

    I’ve had clients ask for my assistance after struggling for a year or more to connect with a cat or dog or horse who has experienced a traumatic event.

    These clients are good, kind, loving, nurturing people who have tried everything they can think of to help their new animal companion adjust. Often they have been pouring love to an animal who is not open to receiving it.

    Of course, the sooner you ask for assistance, the sooner you and the animal will begin to build trust and open a loving connection between you.

    When an animal is emotionally shut down, afraid of experiencing yet another loss, and/or distrustful that this will be their “forever” home, something else must be added to the equation to assist them.

    Whatever history you have about the animal is also a very important piece of the puzzle.

    Using my Animal Communication and energy healing skills, I can offer you and your new companion special assistance.

    Over several sessions, I am able to establish a rapport with an animal who is very shut down.

    It can actually help me connect with them because I’m not physically present.

    Working from a distance, I can easily make a telepathic connection, which some animals experience as less intrusive than a human stranger being physically in the animal’s space.

    Furthermore, telepathically and energetically…

    ~~ I can feel what the animal is feeling because I’m a strong emotional empath.

    ~~ I can feel if the animal has a huge wall around themselves, or just needs some additional reassurance.

    ~~ I can feel if the animal is distrustful and can suggest ways of building trust.

    ~~ I can often feel if the animal is hiding something or lying to me and/or to themselves.

    ~~ I can ask other animals in your family for any insights they want to share, assuming they have already met the new family member. These often prove to be of immense value in understanding what’s going on with an animal who is too closed down to share very much.

    ~~ I can scan the animal energetically, with the animal’s permission, to pick up energy patterns in their auric field, chakras, and physical body.

    Once we have a better understanding of what’s going on for that animal, we together develop a plan of action.

    ~~ Sometimes Flower Essences are a good way to start. I am able to suggest appropriate essences to assist you and your animal companion(s).

    ~~ As a Certified Practitioner of The Emotion Code™, developed by Dr. Bradley Nelson, I know what a valuable tool this is for assisting an animal with PTSD. (This system has also been shown to be effective with humans.) Releasing emotional blocks and reducing or eliminating walls around their hearts will bring about huge healing shifts.

    ~~ As a Certified Multidimensional Healer, I work with healing teams from Source to remove the energy patterns of trauma, repair chakras and other damaged areas, assist the animal’s bodies to rebalance, and bring the animal into a space of harmony, peace, and openness to their new life circumstances.

    ~~ I may also refer you to other practitioners who offer many other alternative services that will assist the animal, such as acupuncture, chiropractic, Theta Healing, and basic training for dogs and horses.

    Having a “plan of action” helps you and the animal know what next steps to take and have a sense that there truly is hope of healing the animal and the entire situation.

    Have you recently brought home a new animal or are planning to adopt from a rescue place?

    If so, keep in mind that while coming to your home is the best thing for this animal, in some cases you many need to take some extra steps to help the animal integrate and become part of your loving family.

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    Source by Nedda Wittels

    Views: 0

  • The 7-Point Trading Plan Template

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    One of the first things beginning traders are told to do is to create a trading plan that will spell out a trading strategy and a list of rules to follow in implementing that strategy. The only problem with that advice is that beginning traders don’t really have any trading experience, and thus are lost when attempting to craft a trading plan for their trading.

    Another problem with trading plans is that beginners are instructed to treat their plans as gospel and are told not to deviate from them. This prevents traders from adapting their strategies and rules to improve their performance, an essential step in every trader’s learning curve.

    Instead of a rigid document to be created early on in your trading career and never to be changed, you should instead view your trading plan as a living and breathing set of guidelines, capable of being modified as you gain trading experience. This article will teach you how to create a trading plan that will guide your trading efforts without stunting your progress.

    The 7-Point Trading Plan Template

    In creating your trading plan, here are the items you should include:

    1. Markets – What markets will you focus on? Be as specific as possible – if you’re trading stocks, what types of stocks will you concentrate on?

    2. Timeframe – How long will you hold your positions for? Will you be a day trader focusing on trades lasting a few minutes, or a swing trader holding trades for a few days?

    3. Time Period – What times of the day will you trade? You may have outside responsibilities that prevent you from trading an entire trading day. Pick which times of the day best suit your style.

    4. Trading Style – How would you characterize your trading style? Perhaps you are a momentum trader focusing on trending stocks? Or maybe you specialize in a particular sector? Again, this can and will change as you gain experience and learn from your results.

    5. Risk Management Rules – This is an absolutely essential and often overlooked component of your trading plan. How will you manage your risk, both on a per-trade basis and overall? You should have a “stop trading” point which is a fixed dollar amount that will force you to stop trading if you’re down by that much.

    6. Mentor – Who do you follow and learn from as a teacher? Attempting to learn trading all by yourself is not only lonely, but foolish as it ignores the hard-earned wisdom of other traders. You can either repeat the mistakes of other professionals and hope to eventually learn the lessons and techniques that they’ve learned, or you can simply learn from successful traders and bypass those initial frustrations.

    7. Learning Process – How will you structure your learning process as a trader? What steps will you take to ensure you’re always getting better? How will you structure your trading journal?

    Trading Plan Example

    To show you this trading plan template in action, I’m going to fill it out according to my own trading style:

    1. I trade the U.S. stock markets, focusing on volatile stocks with sufficient volume. These stocks are typically the focus of news items and are thus “in play.”

    2. I am a day trader and hold my positions anywhere from a few seconds to a few hours. I’m primarily a scalper and am looking to take advantage of short-term imbalances between supply and demand. I will stay in a trade as long as I can identify a supply/demand imbalance.

    3. I trade throughout the trading day, although I focus most of my activity at the open and close of the trading day.

    4. While I have multiple styles, I would characterize myself primarily as a momentum trader that relies on tape reading to identify favorable risk/reward situations to enter in the direction of a trend.

    5. I’m fanatical about managing my risk, both on a per-trade basis and overall. Every trade I enter has a predefined stop-loss and I have a daily stop-loss to stop trading when I’m having a rough day.

    6. I’ve had a variety of mentors throughout my career, and now I talk with a select group of traders at my firm with similar trading styles.

    7. I review every single trade I make, always looking for ways in which I can improve. This may be as simple as cutting down my risk when trading certain stocks or altering my execution patterns.

    Your trading plan can be as simple as that, just a series of statements answering those 7 questions. You also shouldn’t spend too much time creating your trading plan as it will frequently change throughout your career.

    Summary

    Your trading plan will crystallize exactly what you’re trying to accomplish, but don’t view it as set in stone. Rather, your plan will grow and change as you gain experience and develop your own trading style.

    Your trading plan also doesn’t need to be a complicated document spanning multiple pages. You simply need to define what markets you’re going to trade, how you’re going to trade them (how long you’ll hold positions, what times of day you’re going to trade, and your trading style), how you’re going to manage your risk, and how you’re going to continue developing as a trader. By clarifying and explicitly stating those 7 key points, your trading plan will serve and support you in your trading career.

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    Source by Matt A Nadell

    Views: 0

  • Rolling Deposits – Uncovering the Granddaddy of Cash Fraud

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    The Shift Manager of the fast food restaurant sat in his car, under a shade tree in a parking lot. On the floor board are unused disposable deposit bags and a destroyed deposit bag that had been sealed with last night’s closing deposit. The manager had sliced open the deposit bag and the passenger seat is littered with the contents – ones, fives, tens, twenties, and change. He will use one of the unused bags to make a new deposit. The manager counted the funds several times, his stress level mounting. The amount is not enough to match a deposit slip for a deposit dated two days ago. Two days ago? What is going on here? Why did he open a deposit bag today for funds to match a deposit ticket that is two days old? Do you know?

    This is a theft scheme called “rolling deposits” and unfortunately it is not uncommon when retail and restaurant managers prepare deposits and make deposit runs to the bank. The employee steals all or a portion of the day’s deposit and makes up for the stolen cash from the contents of future deposits to cover the thefts. The scheme continues as long as the manager has access to deposits.

    The tell tale sign of the “rolling deposit” theft scam is deposits taken to the bank by a particular manager are consistently validated by the bank several days after they should be. Deposits taken to the bank by the other managers are validated on time. The stress level of the manager who is scheming mounts as the need to match deposit funds with unvalidated deposit tickets becomes increasingly complicated. As in the example above, the deposit the manager opened is not enough to cover the past deposit ticket. The manager will now have to wait to add funds from tomorrow’s deposit to conceal his thefts.

    If the business is using disposable deposit bags and the deposit was prepared by another manager, our shift manager involved in the theft scheme makes the bank run with the deposit. As in the scenario above, the shift manager in order to continue his thefts, must cut open the sealed deposit bag and remove the cash and the accompanying deposit slip.

    With no intervention, these theft schemes can go undetected for a long time and the cash losses can be staggering. Experienced security and loss prevention professionals can easily reveal the fraud with a little investigation. In my experience, the manager conducting the rolling deposit fraud will readily confess when interviewed properly. They are so stressed trying to keep the scheme floating, they are generally relieved that it is over.

    There are tried and true protocols in establishing sound loss control practices to prevent this type of scheme and ways to easily uncover it. If you suspect one of your employees of rolling deposits:

    1. Develop a chart – across the top of the chart list these columns: Date, Shift (deposit), Amount of Deposit, Bag #, Depositor Name, Date of Bank Verification. Make a separate line for each deposit. Down the left side of the chart, list the sequential days of the month. Fill in the corresponding information starting with the first of the month.

    2. Analyze the chart – Look for patterns and discrepancies such as missing disposable bag numbers from the sequence, “leapfrogging” of bag numbers and deposit validations from the bank. Look for a pattern of the same manager taking the deposits to the bank when the discrepancies occur.

    3. Action – Prohibit suspect’s access to deposits. If rolling deposit scheme is occurring, a deposit will soon show excessive shortages or missing altogether. Track the deposit activity for past months to get a better indication when the discrepancies first appeared.

    4. Prevention

    * Require all deposits be sealed in disposable deposit bags

    * Eliminate the vinyl/canvas/zippered pouches

    * Record deposit bag number with corresponding deposit

    * Require depositors to sign for deposits they take to the bank

    * Check all deposit validation dates from the bank with the dates of business

    * Develop strong cash and deposit auditing programs looking for deposit bags and validations out of sequence

    * Have a bank representative notify you of “late” deposits (> 3 days late)

    * Consider SMART safes or armored car service

    Taking deposits to the bank is a common practice for Fast Food (QSR) restaurant and retail management. It is fraught with issues such as time away from management responsibilities in the restaurant or store, exposure to traffic accidents and crime, and this “rolling deposit” theft scheme. Although seemingly the cheapest way of getting funds to the bank, it may be most costly should the manager be seriously injured or killed in a car crash or armed robbery during the transport. Stealing tens of thousands of dollars from deposits may pale in comparison.As new technology is developed, armored cars service becomes more competitive, and ways of banking become more progressive it may be time to rethink how we get our money to the bank and eliminate the exposures to our people and our profits. So what is going here? Why are certain deposits getting to the bank several days late?

    Now you know, and now you can do something about it.

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    Source by Libby Libhart

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