• Monitor your credit report. It contains your SSN, present and past employers and a listing of all account numbers, including closed accounts. Watch for new accounts or activity on existing accounts you didn’t approve. An ever growing problemEach year, more than 500,000 Americans are victims of identity theft. According to the Federal Trade Commission, people whose identities have been stolen can spend months or years and thousands of dollars cleaning up the mess it causes. Victims of identity theft can lose job opportunities, be refused loans or housing, and even get arrested for crimes they didn’t commit. Once you’ve taken these precautions, watch for signs that your information is being misused. If you see signs, file a report with the police. Be sure to keep a copy of the police report to give to companies who need proof of a crime. By April SorrowUniversity of GeorgiaIn a single day you might write a check for daycare, charge a lunch bill, rent a car, change cable providers and apply for a credit card. These everyday transactions can give a con artist all the tools he needs to assume your identity and wreck your credit. “Identity theft is the fastest growing form of fraud in Georgia and across the country,” said Michael Rupured, a University of Georgia Cooperative Extension consumer financial expert. • Shred old bank statements and junk mail credit card offers before throwing them away. • Limit sharing your SSN. Don’t print it on checks or use it on ID cards. Check your Social Security Earnings and Benefits statement once a year to check for fraud. • Don’t carry extra credit cards or other important identity documents except when needed. Cancel unused credit card accounts. • Never give your credit card number or personal information over the phone unless you have initiated the call and trust that business. Tell the FTC if your identity has been stolen. This can help law enforcement officials across the nation track down thieves and stop them. The FTC can refer victims’ complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the agency enforces. Complaints can be filed online at www.ftc.gov/idtheft. Contact the Department of Motor Vehicles and Social Security office and follow its procedures to cancel documents and get a replacement. Ask the agency to flag your file so that no one else can get a driver’s license or any other identification document in your name. Call the toll-free fraud number of any of the three nationwide consumer reporting companies and place an initial fraud alert. This will help stop someone from opening new credit accounts in your name. For less than $15, you can place a freeze on your credit information that blocks access to your credit report. Contact Equifax at 1-800-525-6285, www.equifax.com; Experian at 1-888-EXPERIAN, www.experian.com; and TransUnion at 1-800-680-7289, www.transunion.com. • Use secure computing methods to deter hackers from obtaining your information. Use safe passwords and change them often. Close accounts, call FTCIf you think your personal information may have gotten into the wrong hands, the FTC suggests closing credit card and bank accounts immediately. When opening new accounts, place passwords on them. When creating passwords, don’t use your mother’s maiden name, your birth date, the last four digits of your SSN, your phone number or a series of consecutive numbers. • Remove your name from the marketing lists of the three consumer credit reporting agencies. Call 1-888-5-OPTOUT to remove your name from the list for two years. This will reduce the number of preapproved credit offers you receive. Add your name to the list of name-deletions of the Direct Marketing Association’s Mail Preference Service and Telephone Preference Service used by banks and other marketers. Visit www.junkstopper.com to learn the addresses of where to send name removal requests. • Make copies of the contents of your wallet. Copy both sides of your driver’s license and credit cards. Thieves can get the information they need from stealing business records, mailed statements, through a phishing e-mail scam or by digging through trash. With a few account numbers, a Social Security number, address and phone number, a thief is equipped to assume someone’s identity. Follow this adviceThe risk of identity theft can never be completely eliminated, he said. But to improve the chances of avoiding it:
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr “We’re in a recession—we’ve got to cut marketing!”“Since our income is down we need to cut our expenses. So let’s start with marketing.”“We’re going to pause our marketing efforts until this pandemic and economic crisis passes.”Do any of those (or similar) phrases sound familiar?More than likely they are being uttered throughout businesses everywhere, including credit unions and community banks. One problem with all those statements is that they reek of desperation. “If we just cut, cut and cut, then we’ll survive.” No. If you just cut, cut and cut you’ll keep bleeding, bleeding and bleeding. continue reading »
Oscar’s second-half winner handed Chelsea a Capital One Cup fourth-round tie against League Two side Shrewsbury at the expense of Bolton Wanderers.French centre-back Kurt Zouma put Chelsea ahead on his debut when he fired high into the net after Bolton had failed to clear a corner.The Trotters were level six minutes later when Matt Mills headed home.But Chelsea, who had 28 shots to Bolton’s three, deservedly won when Oscar hit a low drive into the corner.German midfielder Andre Schurrle also had several chances for the Blues, while Bolton goalkeeper Andrew Lonergan was in excellent form to restrict the Premier League side.Chelsea wasted opportunities to take the lead against the Championship club in the first quarter of the match. Schurrle’s inswinging free-kick was saved by Lonergan, before the World Cup-winner made a mess of his header from Mohamed Salah’s cross.The Bolton keeper then prevented Oscar from scoring, before Salah and striker Loic Remy missed from close range.Schurrle went close, twice more, before the Premier League leaders finally went ahead, from a corner.After Gary Cahill’s header from the delivery was blocked, Remy nodded the ball back into the six-yard area where Zouma was on hand to convert.But the Trotters hit back soon after the restart. Liam Feeney’s deep free-kick from the right found Mills on the edge of the hosts’ box. The defender leapt highest to direct his header in from 16 yards.Chelsea picked up the pace again. Schurrle fired off target, Nathan Ake was denied from 25 yards by Lonergan, who then saved a header from Oscar.The Brazil midfielder did, however, find the net when he drilled in the loose ball from Remy’s blocked shot.Chelsea keeper Petr Cech saved from Bolton substitute Lee Chung-yong five minutes from time.Chelsea assistant Steve Holland: “It’s nice not to have extra-time. We don’t have any new injuries, we’ve progressed to the next round of the competition.”Several of our players who probably needed a game now have 90 minutes under their belts heading into two or three important fixtures. It’s a good situation to be in.”Bolton manager Dougie Freedman: “When I saw the team-sheet that I knew their manager treated this competition with respect and the opposition with respect. They were taking it very seriously.”We were going to have to ride our luck a little bit and our goalkeeper was fantastic. They hit the bar but in the last 10, 15 minutes we gave it a right good go, played a bit more expansive. “A little bit more quality would have taken it to extra-time.”
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Thank you for your input. -5 Vote up Vote down Love Check Points · 312 weeks ago http://fluoridealert.org/content/communities/ I am against using it. Report Reply 1 reply · active 312 weeks ago +1 Vote up Vote down JustMe · 312 weeks ago Dear “Love Check Points” We don’t care. Signed Wellington City Council. Report Reply -6 Vote up Vote down JustMe · 312 weeks ago Big brother knows best…… Report Reply 0 replies · active 312 weeks ago +9 Vote up Vote down anonymous · 312 weeks ago I seriously dont want anyone other than scientific knowledge types making decisions about our water. How many times the past few years have we received notice that “our water was found to be in violation” printed on the backs of our bills? This council is not qualified and neither are the residents really. This isn’t a taste test anyway…we fail that hands down! Report Reply 0 replies · active 312 weeks ago +7 Vote up Vote down Ted Logan · 312 weeks ago I like when fluoridation issues arise because it makes it easy to find the morons. Report Reply 0 replies · active 312 weeks ago +3 Vote up Vote down guest · 312 weeks ago I like it when things float in the water from the tap and taste funny, says no one ever. Report Reply 0 replies · active 312 weeks ago +2 Vote up Vote down craig · 312 weeks ago Our water is basically dreadful … pseudo Swamp goo… and way overpriced – but at least it will be better for our children’s teeth if we pour fluoride into it? Come on, folks! Report Reply 0 replies · active 312 weeks ago 0 Vote up Vote down Seriously · 311 weeks ago The Mayor has never voted in favor of the people. Nice guy……brainwashed Mayor. Report Reply 0 replies · active 311 weeks ago Post a new comment Enter text right here! 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Tweet this comment Cancel Submit Comment Subscribe to None Replies All new comments by Tracy McCue, Sumner Newscow â€” Wellington City voters will not be voting this November whether or not to continue the fluoridation of municipal water.The council did not have a majority required to pass an ordinance which would have placed fluoridation as a referendum during the Nov. 4 general election.The vote ended in a 3-3 deadlock with Mayor Roger Stallbaumer declining to cast the needed fourth vote to pass the ordinance. Those voting â€œyesâ€ for an election vote were John Tracy, Jim Valentine and Jan Korte. Those voting â€œnoâ€ against putting it on the ballot was Vince Wetta, John Brand and Kelly Green.Wellington has been fluoridating its water supply since Jan. 3, 1980 when it was passed by an ordinance. For the past 34 years, Wellington has put in one part fluoride to a million parts water.Â Tracy said at a work session a month ago that fluoridation needed to be approved by the voters because recently there was interest by several individuals hoping to end the practice.At Tuesdayâ€™s meeting he stated:â€œI have received some correspondence in favor (of a vote) and correspondence against. To me it is not an issue if fluoride is good, but about giving the public a choice. One of the e-mails I received said it best, â€˜the communities that fluoridate the water by ordinance instead of public vote is effectively medicating our citizens without their permission.â€™ I couldnâ€™t agree more.â€Brand responded:â€œI respect your position, but that is a gross exaggeration saying that we are medicating the public.â€He then read several health studies for the fluoridation of water which included endorsements from the American Dental Association, the Center of Disease Control, U.S. Surgeon Generalâ€™s office, and Oral Health America.â€œI donâ€™t think this should go to a public vote because the people it protects the most are the people who canâ€™t vote because they are not old enough,â€ Brand said.Valentine asked how long they have been putting fluoride in toothpaste and Dr. Gwen Stalcup, who was in the audience, said since the 1950s.When the vote was taken, Stallbaumer had to break the tie and immediately voted no. But City Attorney Mike Brown and interim City Manager Shane Shields had to confer for a few minutes whether or not a mayor can cast a negative vote according to Kansas State Statute.It was determined a mayor can only cast a positive vote. Stallbaumer then stated: â€œI decline to say yes.â€Follow us on Twitter.