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| Identity Theft Risk Management |
Several of our local teachers applied for the ING UNSUNG HEROES grant award
program, as featured in our April Newsletter.
The selection committee from ING identifies special projects created by school
teachers and awards 100 $2,000.00-grants, plus additional top grants of
$5,000.00, $10,000.00, and $25,000.00 each.
Good luck on your submissions!
program, as featured in our April Newsletter.
The selection committee from ING identifies special projects created by school
teachers and awards 100 $2,000.00-grants, plus additional top grants of
$5,000.00, $10,000.00, and $25,000.00 each.
Good luck on your submissions!
| ING Sponsors Renault in Formula 1 Racing |
| Teachers Apply For Unsung Heroes Grants |
CITRUMS is a new professional designation for a new industry. I completed its
requirements when I concluded that it is important to include identity theft
protection as part of an overall financial plan.
All of my clients have worked a lifetime to acquire the assets they have. Now the
new crime of identity theft can steal away a life time of work through computer
technology and personal carelessness, and the mismanagement of others.
I now recommend identity theft protection to all my clients. You can see a video on
this protection at my website. Click on Identity Theft Shield.
requirements when I concluded that it is important to include identity theft
protection as part of an overall financial plan.
All of my clients have worked a lifetime to acquire the assets they have. Now the
new crime of identity theft can steal away a life time of work through computer
technology and personal carelessness, and the mismanagement of others.
I now recommend identity theft protection to all my clients. You can see a video on
this protection at my website. Click on Identity Theft Shield.
| Certified Identity Theft Risk Management Specialist |
A life time of information exists on data bases held by more companies and
individuals than you can imagine. Some examples are:
These computer records can be tapped by a computer hacker anywhere in theworld. Russia and Nigeria are criminal hot beds for computer theft activity. The
Ukraine recently held a seminar to teach people the growing industry of Identity
Theft.
individuals than you can imagine. Some examples are:
 | Insurance companies | |
| Drivers License and Automobile Registration bureaus | |
| Military records | |
| Real estate deeds | |
| Real estate and personal property tax records | |
| Medical records | |
| Phone numbers and tracking information | |
| Birth certificates | |
| Marriage certificates | |
| Credit history | |
| Legal history | |
| Fingerprints and DNA | |
| Addresses – current and previous | |
| Social Security numbers | |
| Association, Club, and Professional memberships | |
| School and College records | |
| Employment records – current and previous | |
| Credit card companies |
These computer records can be tapped by a computer hacker anywhere in the
Ukraine recently held a seminar to teach people the growing industry of Identity
Theft.
| The “Data-Based” You |
1. Drivers License Identity Theft
Your drivers license has become your national identity card. When you must show
a photo ID, this is what the requesting person wants to see. You do not have to
lose your drivers license to lose your drivers information. Your information exists
on many databases.
For example, the ID thief gets stopped by the police for driving under the
influence. The thief presents a copy of your license. How did he get it? Easy.
After the thief is bailed out, a court date is set. Will the thief appear? Of course
not.
The judge sends the sheriff to get the person on the court records. Is this the
thief? No; it is you.
The sheriff takes you downtown to see the judge. You are now required to prove
all the correct information about you was stolen from you, even though you don’t
know how it was done and it was not you that received the DUI. Even though your
drivers license was presented to the police officer.
You are guilty until you prove yourself innocent.
2. Social Security Identity Theft
Your social security number tracks many parts of your life activity. If a thief uses
your social security number to apply for a job, which is often now the case, you
become responsible for the income tax the thief does not pay. Your social security
number is on the W-2 information the thief’s employer sends to the federal and
state governments. If one thief is using your number, it is likely that many are as
this information is generally sold around at $50.00 per transaction. And try to
straighten this out when you want to draw Social Security Benefits.
3. Medical Identity Theft
The thief goes to the hospital in your name and is admitted using your false drivers
license and your false medical card.
Remember, the thief does not pay health insurance premiums or hospital bills.
You pay for the thief’s treatment. The thief is admitted and is diagnosed with Type
I diabetes and receives insulin as treatment. This information goes into the
hospital database, the lab database, the physicians’ database. They all bill your
insurance company and the information goes to your insurance company
database.
Now, you go up to the hospital. Maybe unconscious. The ER looks at your
medical information on the database and sees the treatment the thief received and
treats you accordingly. A shot of insulin and you are mort. Medical identity theft
can kill you.
4. Criminal/Character Identity Theft
A recent true case about a school teacher when she went to sign her contract.
Her employer said they could not keep her because she had three arrests for
prostitution and she was unfit to be around children.
She was able to prove it wasn’t her to local satisfaction, but the arrests will always
be in her criminal database. If she ever moves away and she applied for a job as
a teacher, it would be extremely difficult to get hired.
This was a crime committed in her name.
Another case was thieves would call the parents of soldiers in Iraq and would say
their son was injured and they needed his full name and information before they
could treat him. What would you do?
5. Financial Identity Theft
This is the theft you hear about the most but represents about 26% of all identity
theft.
A recent case went like this. Four out of five people do not open the letter from
the bank that contains cancelled checks. One gentleman has his account number
stolen and his account was drained over time. He did not know this was going on
until his checks started to be returned. After a visit to the bank, a new account
was started for him.
After several months, the thief called the man, said he was the bank verifying his
new account and would the man give him the new number. He did, and the new
account was drained as well.
Your drivers license has become your national identity card. When you must show
a photo ID, this is what the requesting person wants to see. You do not have to
lose your drivers license to lose your drivers information. Your information exists
on many databases.
For example, the ID thief gets stopped by the police for driving under the
influence. The thief presents a copy of your license. How did he get it? Easy.
After the thief is bailed out, a court date is set. Will the thief appear? Of course
not.
The judge sends the sheriff to get the person on the court records. Is this the
thief? No; it is you.
The sheriff takes you downtown to see the judge. You are now required to prove
all the correct information about you was stolen from you, even though you don’t
know how it was done and it was not you that received the DUI. Even though your
drivers license was presented to the police officer.
You are guilty until you prove yourself innocent.
2. Social Security Identity Theft
Your social security number tracks many parts of your life activity. If a thief uses
your social security number to apply for a job, which is often now the case, you
become responsible for the income tax the thief does not pay. Your social security
number is on the W-2 information the thief’s employer sends to the federal and
state governments. If one thief is using your number, it is likely that many are as
this information is generally sold around at $50.00 per transaction. And try to
straighten this out when you want to draw Social Security Benefits.
3. Medical Identity Theft
The thief goes to the hospital in your name and is admitted using your false drivers
license and your false medical card.
Remember, the thief does not pay health insurance premiums or hospital bills.
You pay for the thief’s treatment. The thief is admitted and is diagnosed with Type
I diabetes and receives insulin as treatment. This information goes into the
hospital database, the lab database, the physicians’ database. They all bill your
insurance company and the information goes to your insurance company
database.
Now, you go up to the hospital. Maybe unconscious. The ER looks at your
medical information on the database and sees the treatment the thief received and
treats you accordingly. A shot of insulin and you are mort. Medical identity theft
can kill you.
4. Criminal/Character Identity Theft
A recent true case about a school teacher when she went to sign her contract.
Her employer said they could not keep her because she had three arrests for
prostitution and she was unfit to be around children.
She was able to prove it wasn’t her to local satisfaction, but the arrests will always
be in her criminal database. If she ever moves away and she applied for a job as
a teacher, it would be extremely difficult to get hired.
This was a crime committed in her name.
Another case was thieves would call the parents of soldiers in Iraq and would say
their son was injured and they needed his full name and information before they
could treat him. What would you do?
5. Financial Identity Theft
This is the theft you hear about the most but represents about 26% of all identity
theft.
A recent case went like this. Four out of five people do not open the letter from
the bank that contains cancelled checks. One gentleman has his account number
stolen and his account was drained over time. He did not know this was going on
until his checks started to be returned. After a visit to the bank, a new account
was started for him.
After several months, the thief called the man, said he was the bank verifying his
new account and would the man give him the new number. He did, and the new
account was drained as well.
| Identity Theft Risk Management |
Our program of identity theft shield provides continuous credit monitoring, your
credit number, and identity restoration for$12.95 per month or $9.95 when
attached to your Pre-paid Legal Services Plan.
To review the benefits the Identity Theft Shield. Click on Services, then on Identity
Theft Shield. You can enroll in this program online at this site.
credit number, and identity restoration for$12.95 per month or $9.95 when
attached to your Pre-paid Legal Services Plan.
To review the benefits the Identity Theft Shield. Click on Services, then on Identity
Theft Shield. You can enroll in this program online at this site.
| Identity Theft Shield |
team. This team has two custom built race cars. One driver is two time World
Champion Fernando Alonzo. This team also won the World Manufacturers
Championship in 2006.
There are usually 16 to 22 races per year and are on most continents. You may
gather more information by clicking here to visit the ING Renault Team website
Champion Fernando Alonzo. This team also won the World Manufacturers
Championship in 2006.
There are usually 16 to 22 races per year and are on most continents. You may
gather more information by clicking here to visit the ING Renault Team website
Newsletter |