Monday, August 12, 2013
This was a share on Facebook..but the advice seems sound and wise...and might really help save things if you are the victim of ID theft in any form. I knew most of it already, but there were a few items I hadn't heard before.
ATTORNEY'S ADVICE - NO CHARGE
Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice! A corporate attorney sent the following out to the employees in his company:
1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID REQUIRED.'
2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.
3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.
4. Place the contents of your wallet on photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place.
I also carry a photocopy of my passport when I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a Name, address, Social Security number, credit cards..
Unfortunately, I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thieves ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.
But here's some critical information to limit the damage in case this happens to you or someone you know:
5. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.
6.. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).
But here's what is perhaps most important of all: (I never even thought to do this.)
7. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call the Social Security fraud line number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name.
The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.
by the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks.
Now, here are the numbers you always need to contact about your wallet, if it has been stolen:
1.) Equifax: 1-800-525-62851-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742 1-888-397-3742
3.) Trans Union : 1-800-680 7289 1-800-680 7289
4.) Social Security Administration (fraud line):
We pass along jokes on the Internet; we pass along just about everything.
If you are willing to pass this information along, it could really help someone that you care about.
Thursday, August 08, 2013
How much do you know about sugar and artificial sweeteners? Here is a little quiz:
Monday, July 29, 2013
I have seen this before but liked it then and again today when someone posted it on Facebook. Thought I would share...and wish everyone "enough":
I WISH YOU ENOUGH
Recently, I overheard a mother and daughter in their last moments together at the airport as the daughter's departure had been announced. Standing near the security gate, they hugged and the mother said:
"I love you and I wish you enough."
The daughter replied, "Mom, our life together has been more than enough. Your love is all I ever needed. I wish you enough, too, Mom." They kissed and the daughter left.
The mother walked over to the window where I sat. Standing there, I could see she wanted and needed to cry.
I tried not to intrude on her privacy but she welcomed me in by asking, "Did you ever say good-bye to someone knowing it would be forever?" "Yes, I have," I replied. "Forgive me for asking but why is this a forever good-bye?"
"I am old and she lives so far away. I have challenges ahead and the reality is the next trip back will be for my funeral," she said.
When you were saying good-bye, I heard you say, "I wish you enough." May I ask what that means?"
She began to smile. "That's a wish that has been handed down from other generations. My parents used to say it to everyone." She paused a moment and looked up as if trying to remember it in detail and she smiled even more.
"When we said 'I wish you enough' we were wanting the other person to have a life filled with just enough good things to sustain them". Then turning toward me, she shared the following, reciting it from memory,
"I wish you enough sun to keep your attitude bright.
I wish you enough rain to appreciate the sun more.
I wish you enough happiness to keep your spirit alive.
I wish you enough pain so that the smallest joys in life appear much bigger.
I wish you enough gain to satisfy your wanting.
I wish you enough loss to appreciate all that you possess.
I wish you enough hellos to get you through the final good-bye."
She then began to cry and walked away.
They say it takes a minute to find a special person. An hour to appreciate them. A day to love them. And an entire life to forget them.
Sunday, July 28, 2013
I have a friend in Texas who struggles with a lot of different health issues...one of which developed in the last year or so. All of a sudden, she began having terrible reactions to eating meat. At first it was thought to be only beef, but trial and error has shown that she cannot consume even wild meats like elk. This morning I was very surprised to find this blurb in the May 2013 Good Housekeeping Magazine...and immediately thought of my friend...and that I should share it here as well.
"THE 'MEAT ALLERGY' TICK
"New research shows that a bite from the common Lone Start tick (of the southern and central U.S.) can lead to an allergy to red meat - seriously. In those affected red meat can trigger symptoms ranging from hives to potentially deadly shock. If you've had a reaction after eating a hamburger, pork chop, or lamb kabob (symptoms generally start in 3 to 6 hours), special tests can reveal whether you need to change your menu."
Good Housekeeping Magazine, May 2013 page 94.
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