Track 9 from “Deeper Elevation” by K-Rino (2012)
PURCHASE HIS ALBUMS HERE
Follow on Twitter:
Tweets by TheRealKRino
Track 9 from “Deeper Elevation” by K-Rino (2012)
PURCHASE HIS ALBUMS HERE
Follow on Twitter:
Tweets by TheRealKRino
Not that long ago, people didn’t worry much when they lost a credit card or threw away a bill. They knew they could contact their creditors and straighten it out pretty quickly. But today, you may be a victim of identity theft and not even know it. This malicious crime is also hard to prosecute because it’s difficult to identify and track down the perpetrator.
In 2004, the U.S. House of Representatives Ways and Means Committee issued a report with some surprising statistics about identity theft. They estimated that about 27 million Americans were victims of identity theft from 1999-2004. Half of them didn’t know how the thief had gotten their personal information, although a quarter of them knew that the identity theft resulted from a lost or stolen credit card, checkbook, social security number, or personal mail. A few of the victims even reported that the identity thief had used their personal information to carry out a crime under a false identity.
In 2003, the Federal Trade Commission said that reports of identity theft were up 33% from the year before, that they were aware of over 200,000 cases of identity theft in 2003. States with the most reported cases of identity theft were Arizona, Nevada, California, Texas, and Florida. And for almost three quarters of the fraud cases reported, the use of victims’ personal information was used for credit card, phone or utility, or bank fraud. They also found that, on average, the misuse of victims’ personal information lasted from three to six months and resulted in a total loss of about $ 5 billion to victims, plus over 300 million hours of personal time resolving the problems once discovered.
The 2003 FTC Survey reported over $ 50 billion in losses to business as a result of identity theft. They also reported that, in that year, each victim spent from $ 500 to $ 1200 and from 30 to 60 personal hours to have their credit problems resolved. Unfortunately, there is little hope that this trend will decrease in the near future. Identity theft seems to be getting easier, not harder, and the criminals are learning how to hide their crimes from victims longer and to hide their person from law enforcement altogether.
Unfortunately, there is no single database in the U.S. covering identity theft cases, and the Committee suspects that the number of crimes are vastly underreported. Classifying these crimes as identity theft varies from state to state and from police department to police department. The 2003 study revealed that 60% of victims of identity theft had not reported the crime to their police department! Only one in five had even reported the problem to their credit bureau.
Identity theft crimes are investigated at the federal level by federal agencies like the Secret Service and the FBI. The Department of Justice usually prosecutes the cases through a local U.S. Attorneys’ office. In 2000, U.S. Attorneys reported that they had filed over 2000 cases of identity theft across the country (compare this to the 9 million victims per year). That year, the Secret Service made over 3000 arrests, and average actual loses to victims in cases that were closed equaled over $ 46,000 each. The FBI reported 1425 convictions for identity theft, over a thousand of those for bank fraud. The Postal Inspection Service made a little over 1700 arrests in 2000. Even the IRS reported actual and suspected cases of identity theft in questionable tax returns in 2000, estimating that they had received around 150 thousand fraudulent returns and fraudulent claims for more than $ 750 million in refunds. Today, the federal government recognizes that identity theft is the fastest-growing financial crime in America.
One reason for the apparently low proportion of prosecutions and convictions for identity theft has been the government’s inability to define the specific crimes. In 1998, Congress passed the first law addressing identity theft, the Identity Theft and Assumption Deterrence Act, making identity theft a named federal crime and making it a little easier to prosecute. The Act made the Federal Trade Commission responsible for receipt of complaints and public education about identity theft.
The Identity Theft Penalty Enhancement Act of 2004 established penalties for aggravated identity theft, including those instances where identity theft was used to commit more serious crimes. The Fair and Accurate Credit Transactions Act of 2003 amended the Fair Credit Reporting Act to address identity theft and related consumer issues, making it possible for victims to work with creditors and credit bureaus to remove negative information due to identity theft in their credit report. The Internet False Identification Act of 2000 amended the older False Identification Crime Control Act of 1982 to encompass computer-aided false identity crimes. Violators face fines and/or imprisonment for producing or transferring false identification documents.
Experts encourage people to be proactive in taking steps to prevent and discover identity theft. Clearly, keeping it from happening in the first place is far less stressful than trying to resolve issues after identity theft crimes are committed. Here are a few of the things you can do to protect your personal financial information from identity theft criminals:
– Secure your personal information at all times. Don’t leave lists of account numbers unlocked, and don’t share your user IDs or passwords with Anyone. Maintain as much control over your personal financial information as you can.
– Don’t throw mail away if in contains any personal information, including your full name and address. Shred these documents before putting them in the garbage.
– Educate yourself about the techniques and tactics used in identity theft and protect yourself accordingly.
– Don’t share personal account information with anyone, including co-workers, friends, and roommates. Unless they are also responsible for paying your bills, they have no reason to have this information. And don’t give them your passwords without a very good reason. If you do share your passwords, change them as soon as possible.
– Shred unwanted and pre-approved credit applications, and have your name removed from those mailing lists.
– Be careful when you make purchases online to use only secure servers and to carefully guard your information. Do not keep a written list of passwords, and use passwords that are difficult to figure out (rather than something simple like your phone number).
To acquire head to www.threedegreesoffcenter.net, amazon.com or explore ebay! Synopses: After winning 50 million dollars when you look at the lotto, Matt believed that he would found the most wonderful lady one night as he meet Karen…she was wise, gorgeous and wanted him for his human body…only trouble ended up being that is all she wished from him. Upon waking next early morning Matt discovers that his mind has somehow been moved into Karen’s human body and there individual in his human anatomy is unquestionably never Karen!
Movie Rating: / 5
Knowledge really is power
Knowing identity theft facts is critical. Identity thieves are less likely to prey on a well-informed population. So the more you learn about identity theft facts, the less vulnerable you are. Become familiar with identity theft facts and you’ll quickly see identity theft for the serious problem that it is.
Important identity theft facts
Identity theft is the fastest growing crime in America.
The number of identity theft incidents has reached 9.9 million a year, according to the Federal Trade Commission.
Every minute about 19 people fall victim to identity theft.
It takes the average victim an estimated $ 500 and 30 hours to resolve each identity theft crime.
Studies have shown that it’s becoming more common for the ones stealing your identity to be those closest to you. One study found 32% of identity theft victims discovered a family member or relative was responsible for stealing their identity. That same study found 18% were victimized by a friend, neighbor or in-home employee.
Most cases of identity theft can be resolved if they are caught early.
Financial institutions – like banks and creditors – usually only hold the victim responsible for the first $ 50 of fraudulent charges.
Only 28% of identity theft cases involve credit or financial fraud. Phone, utility, bank and employment fraud make up another 50% of cases.
You may have known some of these identity theft facts already. Others, you may not have known. But of all the identity theft facts there are, these two you should never forget: identity theft is preventable and identity theft is fixable.
These days, identity theft facts and figures are all over the news. It seems like more and more people are victims of ID theft each day. Some find their bank accounts drained. Some find their credit destroyed. Whatever the case, identity thieves universally leave chaos in their path.
With so many numbers flying around, you may be wondering what the real identity theft facts are.
Well, a lot depends on where you live. In fact, a 2009 study of this type of theft showed that the largest US number of reports occurred in Florida; Arizona and Texas were not far behind.
However, these specific identity theft facts don’t mean that you are safe, even if you live in other areas.
According to the Federal Trade Commission, identity related theft is a trend that for the most part is growing. In fact, 21% of the complaints they received in 2009 were about some sort of ID theft. Not all such theft is the same, though. In fact, you can be vulnerable in any number of ways.
For example, 2009 identity theft statistics indicated that bank fraud and loan fraud accounted for 14% of all identity related theft for that year. However, credit card fraud topped the charts at 17%.
So, that goes to show that you need to protect both your bank accounts and your credit card accounts.
Additional identity theft facts and figures for 2009 showed that utilities/phone fraud and employment fraud both had a major impact on the public.
Utilities and phone fraud was listed at 15%, while employment fraud was at 13%. So, it is also very important to be careful what you say on the telephone and how you handle your employment applications and records.
Another of the big identity theft facts to pay attention to is that 16% of the identity theft cases involved government document fraud, according to the 2009 statistics. So, you will want to make sure that you protect all of your government documents, including any military records.
It’s also important to protect any birth certificates, adoption papers or other identifying information from thieves.
Although all of these are important identity theft facts to know, they are really just the tip of the iceberg.
ID theft is real, and you should be constantly concerned about protecting you and your family from it. The easiest thing that you can do to protect your identity is to guard all of your personal information in the first place. In other words, use your common sense and be careful.
Always shred or burn any personal information that you do not need to keep. Don’t just toss it in the trash and think that this is something that will never happen to you. If you do need to keep it, secure it in a safe deposit box or other secure area.
Because given the identity theft facts laid out here, you can see that this is a crime that can happen to most anyone at any time.
Find More Identity Theft Articles
< item type="application/x-shockwave-flash" design="width:425 px; elevation:355 px;" information ="// www.youtube.com/v/FuP8SEyorP8?color2=FBE9EC&version=3&modestbranding=1" >< param name="movie" value ="// www.youtube.com/v/FuP8SEyorP8?color2=FBE9EC&version=3&modestbranding=1"/ >< img alt="Identity Theft Problem( The Today Program )" src="http://free-credit-report-check.com/wp-content/uploads/2017/05/default-12.jpg"/ > Fascinating segment from the Today Program If your budget is taken
: Submit an authorities record; Begin maintaining comprehensive documents including the names, days, and also telephone number of individuals you have actually reported this theft to; Record all your bank card as taken to make sure that you are provided brand-new cards with brand-new account numbers.
( The majority of bank card firms will immediately position a scams alert in your credit report in your place when you alert them of a taken card);.
FREEZE all three of your credit rating records– do not rely on the theft alert alone, as it will certainly not fully protect you from having actually accounts opened in your name, that is something only a complete debt record freeze will do;.
Register for a credit history tracking service (if it is available with a frozen report). These solutions supposedly provide insurance coverage in case you are a victim– not several people could afford to set out,000 in lawful charges which is where ID Theft Insurance policy will certainly come in helpful, presuming your house owner’s policy doesn’t already use this type of insurance coverage.
MYFICO, Equifax, Transunion and also Experian all provide debt report surveillance (several of these services are provided to those that’ve currently frozen their data).
Also, as when it comes to this target, you could intend to modify your banking practices. The thief in this situation allegedly handled to withdraw funds and also create negative checks making use of the target’s vehicle driver’s license.
Register for e-mail signals on all your accounts so you can catch unusual activity prior to it leaves hand.
Obtain an Automobile document abstract which will verify your clean driving document and need to note all vehicles presently registered to your name. This will be practical If the thief manages to obtain a duplicate of your permit and also gets moving violations or gets an auto (on credit rating) in your name.
The abstract might be available in handy if you are apprehended for contempt of court by disappointing for a hearing for any type of removaling or auto parking infractions issued to the thief in your name.
The only way to assist prove that you did not obtain those tickets is to reveal that the abstract was clean prior to the theft.
You could likewise ask about getting a brand-new vehicle driver’s license number.
I would love to understand why no mention was made of the arrest of the female captured impersonating this target?
Thinking she was captured in the act, that alone ought to have cleared this victim of any type of criminal offense.
© Copyright 2009 NBC Universal, Inc
. All Civil liberties Scheduled.
No COPYRIGHT infringement is meant.
Observe how high-risk using public Wi-Fi is. If you use public Wi-Fi your network traffic is subjected plus it’s easy for hackers to access personal information like your passwords, personal safety quantity plus your hard earned money. Take control of your safety if you use community Wi-Fi and acquire F-Secure TOTAL these days: https://www.f-secure.com/total?ecid=9998&adcid=9998
In response to the growing scourge of identity theft, California enacted its own Identity Theft Law in 2001. The law provides civil remedies to consumers in addition to the criminal remedies against the actual identity thieves.
As a practical matter, there is frequently little point in bringing a civil lawsuit against an identity thief. If the thief is some computer hacker or is otherwise a career criminal, a civil judgment against him or her will be meaningless. More frequently, we are seeing that the identity thieves are family members, and most victims of identity thefts are unwilling to pursue criminal prosecution against a family member even if he, or she, did commit a crime.
The California Identity Theft law has a very specific function: it gives victims of identity theft a civil remedy against creditors and debt collectors who refuse to cancel identity theft accounts. For instance, let’s say Mary is a victim of identity theft because some company did not secure her personal information and it was stolen. She files her police report and contacts the credit bureaus to notify them of the identity theft. She also contacts all of the creditors of the identity theft accounts (not the creditors of her genuine accounts) and requests that they cancel the accounts because of the identity theft. Several of them do. However, one or two hold out and continue to try to collect on the accounts even after they have been advised of the identity theft situation. They may even sue Mary even though they have been told about the identity theft.
As to these “hold-out” creditors, the victim of identity theft really had limited remedies before the passage of the California Identity Theft law. Defending, and winning, a patently frivolous lawsuit is costly in terms of both time and money, and many consumers faced the dilemma of spending more money to fight than they would spend to settle a frivolous and fraudulent claim. Moreover, traditional common-law legal theories really did not fit well with the growing scourge of identity thefts, and the fact that victims of identity theft badly needed to restore their credit and financial balance to their lives to fully recover and move on.
The California Identity Theft Law permits victims of identity theft to pursue a vast and effective array of remedies against creditors or debt collectors who do not cancel identity theft accounts. The victims can get all of their actual damages, including emotional distress damages; they can get a court order canceling their identity theft accounts and dismissing any lawsuits brought against them for identity theft accounts; they can get their attorney’s fees paid by the “hold-out” creditors or debt collectors and they can even obtain a $ 30,000 civil penalty under certain circumstances. It is a law that all California consumers need to know about.
The legal citation to the law is California Civil Code, Sections 1798.92 through 1798.97.
Here is what California consumers need to know to make the Identity Theft Law work for them:
1.You need to file a police report and/or a Federal Trade Commission fraud affidavit as soon as you learn of the identity theft. If you have trouble getting your local police to accept an identity theft police report, go to www.ftc.gov for an Identity Theft affidavit, or see the main article on our website about handling identity theft. This article has specific steps you will need to use if your local police department refuses to take your identity theft police report.
2.Send a copy of the police report to the creditor or creditors (or debt collectors), advising them of the known details of the identity theft and requesting that they cancel the identity theft accounts.
3.You must give the creditor or debt collector 30 days to cancel the account and/or dismiss the lawsuit. Sometimes they will request more information from you; if they do, provide it to them. If they do not act within 30 days, or they refuse to cancel the account, then you need to contact our law firm immediately for a free case review and consultation.
4.Remember to keep all correspondence via certified mail, return receipt requested, and obviously keep copies of everything you send and receive. This will not only help us evaluate your case, but these letters are frequently the very best evidence in any claim for a violation of the California Identity Theft Law.
Image from page 157 of “authorities reserve and home protection shield handbook” (1918)
Image by Web Archive Book Images
Title: Authorities reserve and home defense guard manual
Year: 1918 (1910s)
Authors: Dawkins, William Aaron, 1881- Cahalane, Cornelius Francis, 1875- authorities practice and treatment
Topics: Home security league, Nyc Drill and small strategies Police
Publisher: New York, E.P. Dutton & Organization
Contributing Library: Prelinger Library
Digitizing Sponsor: Internet Archive
Follow this link to view book on line to see this illustration in framework in a browseable on line version of this guide.
Text Appearing Before Image:
our item, and attempt to learn all you can of thecircumstances surrounding the theft, so your membersof the division taking within the case from your own reportwill manage to proceed intelligently. If you don’t make amemorandum of all material details, it should be necessaryto send another officer to locate all of them aside prior to the Depart-ment can continue efficiently. A lot of judgment is employed at scene ofthe crime. It could be discovered that if you arrest the thiefon suspicion instantly, and before sufficient evidencehas been gotten to justify it, he will escape belief;for, when a crook knows he is suspected, he can maybe not doanything to corroborate those suspicions. In such a cir-cumstance, you have to straight away telephone the important points tothe station-house in order that a detective may be assigned to thecase. Becoming in plain clothes, along with his identification not known,he can secure proof which you, with your workplace known,might never be capable get. 139 POLICE RESEEVE AND RESIDENCE DEFENSE GUARD
Text Appearing After Image:
Note the Differexce a POLICE RESEEVE AND HOME DEFENSE GUARD
Note About Photos
Please note why these pictures are extracted from scanned page images which could being digitally improved for readability – color and look of the illustrations cannot perfectly look like the first work.
< things type="application/x-shockwave-flash" design="width:425 px; elevation:355 px;" information ="// www.youtube.com/v/-qZjC31d_40?color2=FBE9EC&version=3&modestbranding=1" >< param name="flick" worth ="// www.youtube.com/v/-qZjC31d_40?color2=FBE9EC&version=3&modestbranding=1"/ > Awful Employers’ Jason Bateman and Bridesmaids’ Melissa McCarthy lead the cast of Identification Burglar, an all-star comedy where a normal individual is required to extreme measures to remove his name. With every little thing to lose after his identity is swiped, he’ll learn just how crazed you can get attempting to work out a negative credit history.
In movie theaters April 4!
< things kind="application/x-shockwave-flash" style="width:425 px; height:355 px;" information ="// www.youtube.com/v/9wFAAhVaXz4?color2=FBE9EC&version=3&modestbranding=1" > < param name="flick" value ="// www.youtube.com/v/9wFAAhVaXz4?color2=FBE9EC&version=3&modestbranding=1"/ > < img alt="FTC docudrama on identification theft" src="http://free-credit-report-check.com/wp-content/uploads/2017/01/default-14.jpg"/ >