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Theft


When buying items off the internet, use a pre-paid credit card.

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TheftFIGHTING BACK AGAINST IDENTITY THEFT

(Information taken from the Federal Trade Commission, Washington, DC, www.ftc.gov/idtheft )

Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost your time and money. It can destroy your credit and ruin your good name. COMMON WAYS ID THEFT HAPPENS:

Skilled identity thieves use a variety of methods to steal your personal information, including:
  1. Dumpster Diving. They rummage through trash looking for bills or other paper with your personal information on it.
  2. Skimming. They steal credit or debit card numbers by using a special storage device when processing your card.
  3. Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
  4. Changing Your Address. They divert y our billing statements to another location by completing a “change of address” form.
  5. “Old-Fashioned” Stealing. They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They steal personnel records from their employers, or bribe employees who have access.
Deter identity thieves by safeguarding your information.
  • Shred financial documents and paperwork with personal information before you discard them.
  • Protect your Social Security number. Do not carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
  • Do not give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
  • Never click on links sent in unsolicited emails; instead, type in a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect you home computer; keep them up-to-date. Visit www.OnGuardOnline.gov for more information.
  • Do not use an obvious password like our birth date, your mothers’ maiden name or the last four digits of your Social Security number.
  • Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
Detect suspicious activity by routinely monitoring your financial accounts and billing statements. Be alert to signs that require immediate attention:
  • Bills that do not arrive as expected
  • Unexpected credit cards or account statements
  • Denials of credit for no apparent reason
  • Calls or letters about purchases you did not make
Inspect:

● Your credit report. Credit reports contain information about you, including what accounts you have and your bill paying history.
  • The law requires the major nationwide consumer reporting companies -- Equifax, Experian, and TransUnion -- to give you a free copy of our credit report each year if you ask for it.
  • Visit www.AnnualCreditReport.com or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also can write:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your financial statements. Review financial accounts and billing statements regularly, looking for charges you did not make. Defend against ID theft as soon as you suspect it.

Place a "Fraud Alert" on our credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:

▲ Equifax: 1-800-525-6285
▲ Experian: 1-888-EXPERIAN (397-3742)
▲ TransUnion: 1-800-680-7289

Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you have not contacted, accounts you did not open and debts on your accounts that you can not explain.

Close accounts. Close any accounts that have been tampered with or established fraudulently.

  • Call the security or fraud departments of each company where an account was opened or changed without your okay. Follow up in writing, with copies of supporting documents.
  • Use the ID Theft Affidavit at www.ftc.gov/idtheft to support your written statement
  • Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
  • Keep copies of documents and records of your conversations about the theft.
File a police report. File a report with law enforcement officials to help you with creditors who may want proof of the crime.

Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations.

▲ Online: www.ftc.gov/idtheft
▲ By phone: 1-877-ID-THEFT (438-4338) or TTY, 1-866-653-4261
▲ By mail:

Identity Theft Clearinghouse
Federal Trade Commission
Washington, DC 20580

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ALARM SYSTEM on your key chain

Next time you come home for the night and you go to put your keys away, think of this: It’s a security alarm system that you probably already have and requires no installation.


Start keeping your car keys next to your bed on the night stand when you go to bed at night.

If you think someone is trying to get into your house, or if you hear a noise outside your house, press the panic alarm on your car key chain. Test it!!! It will go off from most everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the key chain. It works if you park in your driveway or garage.

If your car alarm goes off when someone is trying to break in your house odds are the burglar, or rapist, won’t stick around....after a few seconds all the neighbors will be looking out their window to see who is out there and sure enough the criminal won’t want that.

Try yours to make sure it works before you rely on it. Just know that you must press the alarm button again to turn it of.

And remember to carry your keys while walking to your car in a parking lot. The alarm can work the same way there.

This is something that should really be shared with everyone. Maybe it could save a life or a sexual abuse crime.

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Put ICE on your cell phone (In Case of Emergency)

A recent article from the Toronto Star, “the ICE idea”, is catching on and it is a very simple, yet important method of contact for you or a loved one in case of an emergency. As cell phones are carried by the majority of the population, all you need to do is program the number of a contact person or persons and store the name as “ICE”. The idea was thought up by a paramedic who found that when they went to the scenes of accidents, there were always mobile phones with patients, but they did not know which numbers to call.

He therefore thought that it would be a good idea if there was a nationally recognized name to file “next of kin” under. Following a disaster in London, the East Anglian Ambulance Service has launched a national “In Case of Emergency (ICE)” campaign. The idea is that you store the word “ICE” in your mobile phone address book, and with it enter the number of the person you would want to be contacted “In Case of Emergency”. In an emergency situation, Emergency Services personnel and hospital staff would then be able to quickly find the contact information under “ICE”.

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A group of rapists and date rapists in prison were interviewed on what they look for in a potential victim and here are some interesting facts:

  1. The first thing men look for in a potential victim is hairstyle. They are most likely to go after a woman with a ponytail, bun, braid or other hairstyle that can easily be grabbed. They are also likely to go after a woman with long hair. Women with short hair are not common targets.
  2. The second thing men look for is clothing. They will look for women whose clothing is easy to remove quickly. Many of them carry scissors around specifically to cut clothing.
  3. They also look for women on their cell phone, searching through their purse, or doing other activities while walking because they are off-guard and can be easily overpowered.
  4. Men are most likely to attack & rape in the early morning, between 5:00 a.m. and 8:30 a.m.
  5. The number one place women are abducted from/attacked is grocery store parking lots. Number two: Are office parking lots/garages. Number three: Are public restrooms.
  6. The thing about these men is that they are looking to grab a woman and quickly move her to another location where they don't have to worry about getting caught.
  7. Only 2% said they carried weapons because rape carries a 3-5 year sentence but rape with a weapon is 15-20 years.
  8. If you put up any kind of a fight at all, they get discouraged because it only takes a minute or two for them to realize that going after you isn't worth it because it will be time-consuming.
  9. These men said they would not pick on women who have umbrellas, or other similar objects that can be used from a distance, in their hands. Keys are not a deterrent because you have to get really close to the attacker to use them as a weapon. So, the idea is to convince these guys you're not worth it.
  10. Several defense mechanisms he taught us are: If someone is following behind you on a street or in a garage or with you in an elevator or stairwell, look them in the face and ask them a question, like what time is it, or make general small talk: "I can't believe it is so cold out here," "we're in for a bad winter." Now you've seen their face and could identify them in a line-up; you lose appeal as a target.
  11. If someone is coming toward you, hold out your hands in front of you and yell STOP or STAY BACK! Most of the rapists this man talked to said they'd leave a woman alone if she yelled or showed that she would not be afraid to fight back. Again, they are looking for an EASY target.
  12. If you carry pepper spray (this instructor was a huge advocate of it and carries it with him wherever he goes), yell I HAVE PEPPER SPRAY and holding it out will be a deterrent.
  13. If someone grabs you, you can't beat them with strength but you can by outsmarting them. If you are grabbed around the waist from behind, pinch the attacker either under the arm (between the elbow and armpit) OR in the upper inner thigh VERY VERY HARD. One woman in a class this guy taught told him she used the underarm pinch on a guy who was trying to date rape her and was so upset she broke through the skin and tore out muscle strands - the guy needed stitches. Try pinching yourself in those places as hard as you can stand it - it hurts.
  14. After the initial hit, always GO for the GROIN. I know from a particularly unfortunate experience that if you slap a guy's parts it is extremely painful. You might think that you'll anger the guy and make him want to hurt you more, but the thing these rapists told our instructor is that they want a woman who will not cause a lot of trouble. Start causing trouble and he's out of there.
  15. When the guy puts his hands up to you, grab his first two fingers and bend them back as far as possible with as much pressure pushing down on them as possible. The instructor did it to me without using much pressure, and I ended up on my knees and both knuckles cracked audibly.
  16. Of course the things we always hear still apply. Always be aware of your surroundings, take someone with you if you can and if you see any odd behavior, don't dismiss it, go with your instincts!!!
You may feel a little silly at the time, but you'd feel much worse if the guy really was trouble.
  1. Tip from Tae Kwon Do: The elbow is the strongest point on your body. If you are close enough to use it, do!
  2. Learned this from a tourist guide in New Orleans . If a robber asks for your wallet and/or purse, DO NOT HAND IT TO HIM. Toss it away from you....chances are that he is more interested in your wallet and/or purse than you, and he will go for the wallet/purse. RUN LIKE MAD IN THE OTHER DIRECTION!
  3. If you are ever thrown into the trunk of a car, kick out the back tail lights and stick your arm out the hole and start waving like crazy. The driver won't see you, but everybody else will. This has saved lives.
  4. Women have a tendency to get into their cars after shopping, eating, working, etc., and just sit (doing their checkbook, or making a list, etc.) DON'T DO THIS! The predator will be watching you, and this is the perfect opportunity for him to get in on the passenger side, put a gun to your head, and tell you where to go. AS SOON AS YOU GET INTO YOUR CAR, LOCK THE DOORS AND LEAVE.
  5. If someone is in the car with a gun to your head DO NOT DRIVE OFF, repeat: DO NOT DRIVE OFF! Instead gun the engine and speed into anything, wrecking the car. Your Air Bag will save you. If the person is in the back seat they will get the worst of it. As soon as the car crashes bail out and run. It is better than having them find your body in a remote location.
  6. A few notes about getting into your car in a parking lot or parking garage:
    1. Be aware: look around you, look into your car, at the passenger side floor, and in the back seat.
    2. If you are parked next to a big van, enter your car from the passenger door. Most serial killers attack their victims by pulling them into their vans while the women are attempting to get into their cars.
    3. Look at the car parked on the driver's side of your vehicle, and the passenger side. If a male is sitting alone in the seat nearest your car, you may want to walk back into the mall, or work, and get a guard/policeman to walk you back out.
  7. ALWAYS take the elevator instead of the stairs. (Stairwells are horrible places to be alone and the perfect crime spot. This is especially true at NIGHT!)
  8. If the predator has a gun and you are not under his control, ALWAYS RUN! The predator will only hit you (a running target) 4 in 100 times. And even then, it most likely WILL NOT be a vital organ. RUN, preferably in a zigzag pattern!
  9. As women, we are always trying to be sympathetic: STOP! It may get you raped or killed. Ted Bundy, the serial killer, was a good-looking, well-educated man, who ALWAYS played on the sympathies of unsuspecting women. He walked with a cane, or a limp, and often asked "for help" into his vehicle or with his vehicle, which is when he abducted his next victim.
  10. Another Safety Point: Someone just told me that her friend heard a crying baby on her porch the night before last, and she called the police because it was late and she thought it was weird. The police told her "Whatever you do, DO NOT open the door." The lady then said that it sounded like the baby had crawled near a window, and she was worried that it would crawl to the street and get run over. The policeman said, "We already have a unit on the way, whatever you do, DO NOT open the door." He told her that they think a serial killer has a baby's cry recorded! ! and uses it to coax women out of their homes thinking that someone dropped off a baby. He said they have not verified it, but have had several calls by women saying that they hear baby's cries outside their doors when they're home alone at night. Please pass this on and DO NOT open the door for a crying baby This should be taken seriously because the Crying Baby theory was mentioned on America's Most Wanted this past Saturday when they profiled the serial killer in Louisiana.
IT IS ALWAYS BETTER TO BE SAFE THAN SORRY. (And better paranoid than dead.)

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A corporate attorney sent the following out to the employees in his company.
  • Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED."
  • When you are wring 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.
  • Put your work phone number 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. You can add it if it is necessary. But if you have it printed, anyone can get it.
  • Place the contents of your wallet on a 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 thieve(s) 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:
  • 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.
  • 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):
  • 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, etc., has been stolen:
  • Equifax: 1-800-525-6285
  • Experian (formerly TRW): 1-888-397-3742
  • Trans Union: 1-800-680-7289
  • Social Security Administration (fraud line): 1-800-269-0271