Editorial – Home help cuts a false economy

first_imgPrint Email AS hundreds of home help care workers, supporters, trade unions and political representatives march on Dail Eireann to demand the Government and HSE reverse the cuts to home help hours, it begs the question yet again – what is a false economy? The people who have home help are in a position where they can have a much better quality of life with minimal cost to the taxpayer. Small things, which most of us take for granted but which are impossible for people with reduced mobility, are the very things that are being taken away.Sign up for the weekly Limerick Post newsletter Sign Up The difference between being able to stay in the home which the elderly or infirm have loved all their lives and going into care could be as little as being able to wash the dishes.Cuts to an already sparse home-help service will leave many clients in a position where they have no choice but to go into institutionalised care. And it is well known that the cost of paying for a person in nursing home care runs to thousands each month.Compare that to the €14 per hour it costs to have a home help come in and make a house livable.  With clients getting between ten and twelve hours home-help a week, it’s not rocket science to choose the most cost-effective solution.Already at the start of this year, 500,000 hours were taken out of the home-help system, which has huge ramifications for both the clients and the home-helps who were on a part-time footing already.And that’s just the economics. Personal security and the knowledge that someone will be calling during the day is an integral part of the home-help system. The friendly housekeepers bring much more than a clean sweep.They bring company, conversation and human contact to people who may be otherwise isolated and alone. Facebook Linkedin Twittercenter_img Advertisement WhatsApp NewsLocal NewsEditorial – Home help cuts a false economyBy admin – October 22, 2012 549 Previous article“Munster are not contenders” – Donal LenihanNext articleJanesboro takes Gold adminlast_img read more

Fighting skimming at the pump

first_imgCard skimming, especially at gas pumps, has become a natural part of conversation for consumers today. Nearly everyone who asks me what I do for a living usually replies with “Oh, you work all those gas pump skimming cases I see on the news.” I then patiently wait for the inevitable story about the person’s last experience as a victim of “card skimming.” While we can’t prevent consumers’ exposure to mag-stripe card skimming entirely, there are plenty of reasonable things that consumers can do to reduce their exposure and inconvenience. Here’s some tips to consider passing along to your members as heads-up the next time they fill ‘er up:There’s nothing funny about “funneling.” Sometimes a broken payment option at the pump is simply a fluke and sometimes it’s a criminal tactic called “funneling.” Criminals will occasionally disable the pay-at-the-pump function in order to make you come inside the store where the actual camera and card capture devices are installed. If you feel unnecessarily observed or unusual bystanders are present, you may feel more comfortable going elsewhere or using a different payment method.“I just want to say one word to you….Plastics.” The words of advice given to “The Graduate” are in need of updating. Consider taking your traditional plastic card out of the mix entirely by using Apple, Samsung or Android pay. These payment options are referred to as “tokenized” because they eliminate your card’s presence at the point of sale by providing an encoded stand-in referred to as a “token.” Your payment card information cannot be captured in a meaningful way by criminals and tokenized payments are everywhere today. You know that Starbucks app you love so much to pay for your java? Yep – that’s a tokenized payment method and you didn’t even know it. “Turn on, tune in, drop out.” Here, the old ‘60s counterculture phrase remains a perfectly fitting mantra for today’s consumer:Turn on: Log into your online banking and turn on every single fraud alert they offer. Make sure your most current cell number is available so that your payment card issuer can reach you.Tune in: Check your bank statements for anomalies. If you see a suspicious transaction, report it immediately and request a new payment card if you think someone has gained access to your financial accounts or plastic payment cards. Drop out: Liberate your spending behavior by dropping the urge to swipe and pay. Plastic payment cards are incredibly convenient, but it really boosts your financial health and safety when you can leverage tokenized payments, card controls and account-based alerts.Whatever the scenario happens to be, the main thing to impress upon your members is the need for them to understand is that vigilance and speed play a significant role in being safer while transacting. The more you passively look at your financial accounts and explore safer payment options, the greater your chances will be for staying above the fray of unauthorized purchases. 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Buzzard John Buzzard is Fraud Specialist/Account Executive for CO-OP Financial Services, a financial technology provider to credit unions based in Rancho Cucamonga, Calif. (www.co-opfs.org). Buzzard can be reached … Web: https://www.co-opfs.org Detailslast_img read more