Identity theft is a major problem in the United States. According to the Federal Trade Commission, identity theft is among the list of consumer complaints. In fact, in 2004, identity theft is the basis for more than 42% of all complaints filed with the FTC Consumer Sentinel database. In addition, identity theft costs about $ 53 billion per year. This includes all types of loss, a total loss, companies and individual victims.
Many people think that identity theft and automatically think of using your credit card over the Internet or using Internet banking. Today, studies show that up to 70% of all cases of identity theft result from an "inside job". This means that an employee or colleague of a company where you buy could be an identity thief. In addition, often resulting in these cases is that the author is not even an employee – is the owner of a business that is the identity thief.
Yet another startling revelation is that in over 25% of cases where identity theft is reported, the victims knew the identity thief or even relate to them. The number one rule in protecting against identity theft is to be very careful with whom you share your information. These different types of identity theft and tips to prevent it from happening can help protect you.
Do not carry your Social Security card in your wallet. If the license, insurance card, driver or any other card uses your Social Security number as a membership number or identification number, request a different number.
We all received e-mails "phishing" fraudulent and some seem very realistic. Do not fall into the trap. If you receive an email that appears to come from your bank, shops sponsors, government agencies or even personal people who want to "help" or have a "job", forward the email with full headers to reportphishing @ antiphishing. org. EmailAbuse.org also offers a variety of tips on how to protect themselves.
Identity thieves happily in bins for credit card offers, convenience checks "" and other pieces of mail that could reveal your personal information. All documents containing personal information about them should be shredded before taking their trash.
A fairly recent identity theft scam involves the scammer called credit card holders, posing as corporate credit cards. They get all your personal information and, bam! They stole his identity. If you receive a call like this, take the full name of the person and phone number, then hang up and call back the credit card company using the phone number of the customer service that is printed on the back your card to verify that the call was legitimate.
Once you receive your bill and credit card bank each month, open and monitor very carefully. If there are any charges or unauthorized withdrawals, report immediately. Also, if your bills do not arrive on time, call to verify because it could mean that someone has changed your information to hide fraudulent charges are.
The commercial identity theft on television can be fun, but if you are a victim of identity theft, I can guarantee you that it will be laughing. Take the time to ensure you're protected now and implement these guarantees. Visit Smore.com for identity theft information.
Many people have invested tremendous amounts of work into making their backyard landscaping look spectacular. They may have planted trees, flowers and laid down grass to create an outdoor space comparable to those you see in shopping catalogues. Others, however, don't have much time to dedicate towards upkeep beyond everyday watering. Their trees may be in dire need of pruning and their lawn may be in a state of disarray due to a large number of pesky weeds. Although trees are at a greater risk of dying when not cared for properly, every homeowner (yard-fanatic or not) eventually has one that succumbs to decrepitude whether from disease or similar. Regardless, most people don't see any immediate need to have the tree extracted. It may still have some leaves on its branches and look fairly healthy to the untrained eye. Most experts, however, will tell you that this is not a wise choice.
The moment you learn that your tree is ready to call it quits, you should have it slated for removal. Dead trees can attract every homeowner's worst nightmare – termites. Termites don't usually indulge in healthy trees, but once they begin to rot these pests might establish colonies around them to consume every last bit of rotted wood. Termites are fairly small, so while you might not be able to visually identify them, you will be able to see mound-like formations around your tree where they may be living. The danger with termites is that they may eventually migrate into your home, where they can eat away at wooden beams, siding, and any other sources of wood.
Fungal growths are a second problem that dying trees can also succumb to. Much like in the case of termites, fungus manifests after a tree has fallen ill not before. Nevertheless, fungal growth can be an eyesore and even toxic to human health. If you have a play area in your backyard for your children, you really don't want to have any of this stuff around them as they may be tempted to ingest it or otherwise tamper with it. Before you let any of these problems plague your yard, contact a tree removal company to have any dead trees removed immediately. The cost of tree removal generally ranges from a few hundred up to a thousand and aside from the size of the tree can be affected by its location (in respect to nearby hazards) and the degree to which the homeowner wants it removed.
Instead of incurring the extra costs to have the stump and roots removed by an expert, many people actually successfully go at these projects alone. If you experienced any degree of termite infestation after the death of a tree, you may stand to benefit by calling in an exterminator to check that every last trace of the pest has disappeared. You really don't want to run the risk if these termites grabbing hold of your home. Dead trees may not be suitable for use as firewood, so have the tree removal company shred the wood in a chipper and then dispose of it.
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