Local News & Commentary Since 1890.

Posts Tagged ‘business’

The Key To Identity Theft Prevention Is Preparation

In Business, Economy, Education, Opinion, Senior Lifestyle, sociology, Technology, Uncategorized on June 19, 2012 at 7:35 am

By Gery L. Deer

Deer In Headlines

Apart from locks and security systems, one of the most basic things we can do to keep our homes and families secure is to take steps to prevent identity theft. When the bad guys get hold of critical private information it is not hard for them to start using your information to their benefit.

According to the Federal Trade Commission (FTC), as many as 9 million Americans have their identities stolen each year. Identity theft is the act of using personally identifying information, like name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.

The crime of identity theft may be perpetrated in various ways, from renting an apartment to opening a credit card. The thefts may actually go unnoticed for some time, often until the victim notes some kind of anomaly in his or her bank statement or credit report. Sometimes the victims do not find out until they are contacted by a debt collecting service.

So what can you do to prevent identity theft? Probably the single most effective weapon against this type of crime is knowledge. Knowledge of the methods used by these criminals to steal your information as well as a better awareness of your own records and personal financial information can help you beat many forms of this crime.

One thing you can do is to closely monitor your personal information, such as credit reports and monthly bills, to uncover any problems as soon as possible. Identity thieves depend on the inaction of their victims. Unless the total on a bill is outrageously high, often people just pay it, without scrutinizing the contents.

Another preventative measure against this kind of crime is to be mindful of where your old paperwork goes when it is thrown away. When disposing of any paperwork containing personal information, be sure to shred the documents completely – especially medical files, checks, and credit card statements.

Most people get credit card offers in the mail on a regular basis and just toss them into the trash. This is also something that could lead to an identity theft problem. Criminals will often scour trash for these papers and open credit cards in your name using those documents.

Also, be sure when buying online to use only secured websites and ask them about their security before buying anything if it seems questionable. If you notice anything suspicious on any credit reports, bank statements, or other critical documents, contact the creditor or company as soon as possible.

For those who enjoy making online purchases on a regular basis, create a ‘dummy’ email address at Yahoo or Gmail specifically to be used for these transactions. Retailers often sell email and other contact information to marketing companies which then flood inboxes with junk mail. Some of the incoming messages may come from illegitimate sellers using personal information to obtain passwords and credit card information. Using a different email address allows better control over incoming junk mail and limits the chances of clicking on a link that might inadvertently open the door to an identity thief.

If you have already been plagued by this kind of criminal action, you are not alone. First, contact the authorities. Most police departments now have an identity theft division or someone designated to help with this kind of crime.

Be ready! Keep, readily available, a complete list of all credit cards, online accounts, checking accounts, and so on, including any PIN numbers, passwords and customer service contact information. If something should happen, you can shut down these accounts quickly before more damage is done.

Stay diligent and continue to monitor your private information closely for several months. There is no way to really say how long the effects of identity theft can last.For more information on how to prevent identity theft or what to do if you think you may have been a victim, visit the Federal Trade Commission website at http://www.ftc.gov.

 

Has America Become A Babysitting State?

In Children and Family, Economy, Education, Entertainment, Health, Local News, Opinion, Politics, psychology, Religion, sociology, State News, television, Uncategorized on June 12, 2012 at 8:17 am

By Gery L. Deer

Deer In Headlines

 

Did you ever wonder (thanks Andy Rooney) why we have so many laws designed to, “protect us from ourselves?” You know what I am referring to. Think about the laws requiring us to wear seat belts, no public drinking or smoking, fines for public profanity, mandatory motorcycle helmets, and so on.

With obvious exceptions, like distracted or drunken driving, very little of what we do affects anyone else. If I choose to risk my own death by not wearing a helmet while riding a motorcycle on the highway, who does that affect other than me? It may be incredibly inconsiderate to my family or the poor guy who has to clean my brains off the pavement after an accident, but other than that, who does it really injure?

Of course, I’m exaggerating here. You’d have to be a complete idiot to ride without a helmet – sorry bikers, it’s just plain stupid – but it’s still your own choice and it shouldn’t be up to the government to decide. It can be argued that it costs the taxpayers more money to cover the medical charges of a rider who’s had a head injury without a helmet, but that point of view can be hard to quantify. Applying the same logic, however, tobacco should be made illegal for the same reasons.

Some laws don’t protect us from ourselves but are actually in place to pacify the moral majority. For example, no alcohol sales on Sunday, no cursing in public, television censors and so on. Decency laws require that every television network maintain a department of standards and practices whose sole duty is to ensure that no one says or does anything over broadcast TV or radio prior to 10 PM that might offend the religious right.

Many anti-drug laws, like those against the use of marijuana, are in place, not because of health risks but to satisfy the moral right. Tobacco use has immediate and long-term detrimental effects but is a regulated, taxable commodity. Marijuana, on the other hand, is said by experts to be no more dangerous than tobacco but is still classified as an illegal, Schedule I hallucinogen. Why? There are at least two possible explanations.

First, the obvious reason – hallucinogenic drugs are just bad. There’s no other way to say it. Long-term use of any substance like this is going to eventually be a health hazard. But the other reason is more sinister. The tobacco industry is huge, powerful, and wants complete control over your toxic addiction without competition from Mary Jane.

A great deal of money goes into congress from the tobacco big-wigs. They will always argue against legalized marijuana because it would eat into their profits, and therefore less cash would be available with which to line the pockets of public officials fighting their battle on Capitol Hill.

Understand clearly that I am in no way endorsing or advocating drug use. I think it’s idiotic and makes one stupid and unemployable. I’m simply pointing out that we are living amidst a realm of hopeless double-standards, of which alcohol and drug use is only a small example.

I don’t know whether these pointless and expensive regulations come from genuinely well-meaning people trying to help keep others from making dangerous mistakes or if they are the result of controlling, politically-motivated individuals. Either way, it really seems like we’re moving further into a babysitting state where the government controls everything down to what size soft drink I can buy at 7 Eleven.

There’s nothing wrong with regulating public issues – second-hand smoke is a health hazard to those around the smoker and the dangers of drunken driving are a no-brainer, but what these individuals do in their own home should be their own business – as with the pot smoker, the junk food junkie, or the watcher of reality television.

Personally, I think Americans spend far too much time worrying about what our neighbors doing and not enough time minding our own business. If they really want to regulate something to benefit the public, they should start by outlawing and reality television. Clearly the Kardashians are detrimental to society as a whole.

 

 

Business Feature Advertorial Available

In Uncategorized on March 1, 2010 at 4:55 pm

Don’t waste money and time on ads that get ignored. Get a business feature story on The Jamestown Comet Online for less and link to it again and again! Credibility is the key to advertising and display ads cannot give you that “personal” feel of a feature story in a publication seen by thousands!

Is this your new site? Log in to activate admin features and dismiss this message
Log In