Author Archives: Bob Lee

A New Day, A New Post …

happy_11Funny How Life Can Turn on a dime and throw everything upside down and sideways at the same time.

Makes you reconsider everything you thought you had worked out and came to conclusions about and How to Proceed with everything you had in mind.

Well … Life is not static. That’s for certain.

It’s been months since I’ve written and so much has happened. Even though writing a post a week really shouldn’t be that difficult – it seems that it took a bat, swung it at my head, I ducked and the back swing clobbered me square in the face.  So I decided to go on a reading spree and did you ever notice how when 1 thing happens another thing jumps up and then before you know it a dozen things seem to have risen up to bat you in the head and trip you up seemingly out of no where?

Yup! That’s what happened.

But the good thing is I re-evaluated and decided to restructure things. It may take a bit of time to achieve the final goal but the end result shall be easier to manage and easier for you to follow.

The weirdest thing of all is my stats have spiked during my hiatus and it just seems crazy how things like this happen. Lesson to be learned – even when the worst seems to be upon us – there is something good happening that we don’t even realize.

So – I leave you with this simple post and look forward to changing the show up quite a bit here by making everything even more user One Click Friendly.  Thanks and as always, Stay Informed.

Bob

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Follow up to Identity Theft …

So – now the FBI IC3 division sends out what to be suspicious of and low and behold I’m receiving the exact type of info they say to be wary of. Isn’t this just grand.

Here are some of the warning signs and Defenses that are recommended from the FBI:

Defense

While eliminating your exposure in the current digital age is nearly impossible, law enforcement officers and public officials can take steps to minimize their risk in the event they are targeted.

  • Enable additional email security measures, including two-factor authentication on your personal email accounts. This is a security feature offered by many email providers. The feature will cause a text message to be sent to your mobile device prior to accessing your email account.
  • Turn on all privacy settings on social media sites and refrain from posting pictures showing your affiliation to law enforcement.
  • Carefully evaluate the user settings for your online profiles. The default settings for some sites may allow anyone to see a user’s profile. Settings can be customized to restrict access to certain people.
  • Keep your social media footprint to a minimum, where possible, and actively monitor any accounts you maintain.
  • When posting on social media sites, do not provide details regarding your workplace, work associates, official position, or duties.
  • Do not promote your personal or professional importance in online profiles or postings, as this may make you a potential target for adversaries to exploit.
  • Limit your personal postings on media sites and carefully consider your comments.
  • Be aware of your security settings on your home computers and wireless networks.
  • Routinely update hardware and software applications, as old versions may be exploited by criminals as a way to access a computer. In addition, maintain up-to-date antivirus software, as attackers are continually writing new viruses.
  • Pay close attention to all work and personal emails, especially those containing attachments or links to other Web sites. These suspicious or phishing emails may contain infected attachments or links.
  • When setting up security questions for any of your accounts, avoid choosing questions with answers that can be easily verified (e.g., “What is your mother’s maiden name?”). Devise questions and answers that are known only to you. If the questions are already provided, devise answers known only to you. Try using secret meanings, irony, metaphors, or even “incorrect” responses that no one but you would be able to guess.
  • Passwords should be changed regularly. It is recommended that you create a password phrase of 15 characters or more, using a combination of uppercase and lowercase letters, numbers, symbols, and special characters.
  • Do not store your login credentials on or near your computer. Memorize them or store them in a secure location away from your devices.
  • Be aware of pretext or suspicious phone calls or emails from people phishing for information or pretending to know you. Social engineering is a skill often used to trick you into divulging confidential information and continues to be an extremely effective method for criminals.
  • Advise family members to turn on security settings on ALL social media accounts. Family member associations are public information and family members can become online targets of opportunity.
  • Restrict your driver license and vehicle registration information with the Department of Motor Vehicles.
  • Request real estate and personal property records be restricted from online searches with your specific county.
  • Closely monitor your credit and banking activity for fraudulent activity.
  • Routinely conduct online searches of your name to identify what public information is already available.

So – As I always say –

Stay Informed …

Bob

FBI Alerts

For those of you who don’t subscribe to the FBI Alert Bulletins – here’s a listing for you:

IC3 FBI

As Always, Stay Informed

Tangled, Tethered, and Tied

Interesting Twist to Identity Theft

and thenSo –

The Bank of America wouldn’t release the information used against me and what was charged or where it was sent or how it was delivered …. at first!!!

Ha!!!

I got in touch with the government and they said get in touch with the FTC and they will guide you in receiving the info that is rightfully yours.   So I did just that.

A few days later – BANG! A listing of the SAME COMPANY with the SAME Electronic Drafts were made by this person who opened 8 separate accounts with Bank of America without Bank of America even contacting me!  How is that even possible when you can’t even take a pee in a bank without getting frisked?  (pardon my increasing Sarcasm which many people just don’t have a grasp of in their lives yet …)

Well – now that I have the info – what’s the next step? I shall pursue and keep you updated.

In addition – There’s an address I never lived at on my credit report that I thought was removed from the first time this happened many years ago but is still there AND … a credit account with more than $12,000.00 (TWELVE THOUSAND DOLLARS) on it that they have charged to me!  WTF!!!

Can’t wait for this person to go insane. They probably gave underage kids booze to drink and wound up running over some unfortunate soul that died and this son of a bitch got away with it!  But – karma will prevail.

As Always – Stay INformed …

So … As a Follow-up

recover my identityHi Everyone –

Just wanted to give some more resources from the FTC (since they have sample letters to send to all 3 Credit Bureau’s to dispute any charges that may occur in a case of Identity Theft.  Here’s the FTC Link (direct to their page as usual 🙂

Click the link https://www.identitytheft.gov  or pic to get there.

identity theft .gov

And here’s a copy of the page you’ll see:

Sample Letters

To help you resolve your identity theft, we have letters for you to use.

Credit cards

First, call your credit card company to get charges reversed. If that doesn’t work, use this letter:

Debit cards

First, call your debit card company to get charges reversed. If that doesn’t work, use this letter:

All other types of accounts

If you have an Identity Theft Report:

Credit bureaus must honor your request to remove fraudulent information from your credit report. This is called blocking. Once information is blocked, companies can’t report the debt or try to collect it from you.

If you do NOT have an Identity Theft Report:

You can still dispute incorrect information in your credit file. It can take longer, and there’s no guarantee that the credit bureaus will remove the information.

Getting records about the identity theft

By law, you can get copies of the business records relating to the identity theft (like signatures, receipts, etc). Use this letter:

Dealing with Debt Collectors

If you’re being contacted about debt you don’t owe, use this letter:

To include with your letters

Some of the sample letters include a list of items that you should include with your letter. If needed, you can print out any of these documents to include with your letter:

Holy Crap – My Identity Was Stolen !!!

and then what happened nextHi Everyone.

Just to let you know, Identity Theft is VERY REAL!

I just found out that mine was swiped and not only is it a nightmare – but – it takes forever to fix it.

I received a Debit Card in the mail from a bank I do not do business with.  Strange – huh?

Well, I called the bank up and let them know and then they let me know that I am a victim of identity theft!  Meanwhile, my bank sends me an email stating that they think something fraudulent is going on with my account about 2 or so weeks ago but doesn’t give me any details whatsoever on what to do.

So – I ask this other bank – what do I do?  They spend about a half hour on the phone with me letting me know everything I have to do to clean up this mess.  AND – I have to refile the reports EVERY 90 DAYS! Otherwise the report is dropped whether or not the crook is caught or not?!  How is that just or how is justice being served?

Now .. this sweet rep at this other bank gives me some facts that 4 checking accounts and 4 savings accounts and credit cards have been opened and used (mind you – this person can’t be tracked since they are me with my name and social and all the rest) so I have to do all the work!  I must ask – What good is our government?  And – has the internet made it this easy to commit identity theft online and hence make fraudulent purchases and take a person down?

I’m disgusted!  I spent hours upon hours taking care of as many items that the sweet rep gave me to do and all the advice and she even filed a claim on my behalf, told me to contact PayPal to let them know, contact ALL ONLINE and OFFLINE creditors and the like and to pull ALL 3 Credit Reports to see if anything “Hinky” (as Abby on NCIS would say … I digress) to contact the police department and file an official report, possibly contact the sheriff,  make sure I stay on top of it every 90 days to refile and to contact their department if I need any help.  Not my bank … makes you wonder, doesn’t it.

Well – I’m waiting for the police officer to come to write an official report, then go down with the affidavit that I printed from the Credit Bureau’s to have notarized, AND as I’m writing this I just received a call from the police department that there’s going to be a delay with them getting here for whatever reasons that be.  (guess identity theft isn’t a real crime in this area)

The worst thing is – I DON’T KNOW WHO DID IT!

So – Just wanted to give you guys an update and let you know –

  1. Stay on top of your Credit Reports.  Pull all 3 Report at least once per year
    1. Experian
    2. Equifax
    3. TransUnion
  2. Use these websites:
    1. https://www.identitytheft.gov/
    2. http://www.annualcreditreport.com
    3. http://www.consumerdebt.com
  3. Check your Online Accounts for any purchases that you haven’t made
  4. Check with your Bank for any suspicious activities.

As Always, Stay Informed …

Bob

Last Post Was a Mistake …. Writer’s Block not Procrastination

oopsThat Last Post was a mistake.

I put the wrong title on it because I was working on something else.  My apologies.

But … Did you ever notice that when you’re writing you hit a roadblock when you’re writing and it’s called writer’s block?

That last post should have been called Writer’s Block Solutions.

Procrastination is something different.  And it’s something that happens when you can’t even get to the keyboard to even write a single word.  It’s almost as if the keyboard has become your enemy.

How can this be?

I love my keyboard.  I love my online friends.  I love the online world.

Yes, mistakes are made and unfortunately they can hurt.  But … they can help us too!

I suffer from this too many times to count in a single day.

I’ve been suffering from Procrastination and it interferes with some everyday tasks that I have to take care of.

That last post was an example.  I made a mistake on the Post Title and now it’s too late to change it.

But it’s another lesson learned from what Procrastination can cause.  Not just putting off what has to be done but even leading to mistakes and confusion, even depression at times.  Now it’s time to start putting my other article to it’s finishing touches which is where that mistake originated from – Procrastination.

Hang in there. I’m working on finishing it and it’s a good one.

Bob

 

 

 

Procrastination … Do you suffer from

Procrastination!

Opportunity Door Brick WallI think we all suffer from this (at least from time to time).

However – I do think these Procrastination Busters might help:

Procrastination Buster 1 –

Wait a minute … I’ve got to come back to this article a little bit later …

Okay .. I’m back –

The best remedy I’ve found is to ask 2 Questions:

1. 

2.  and thenAnd Then …

These are the 2 Best Writing Busters I’ve found to work for me.

But – you have to have your writing tools (notebook, laptop, or whatever) in front of you – otherwise they’re useless.

As Always, Stay Informed …

Bob

Poisoned Food Supply … MORE Listeria found

woman in gastric pain

La Terra Fina Organic Spinach and Spinach Dip has been recalled due to strains of Listeria monocytogenes.

It seems that Listeria and Salmonella poisoning of our food supply and PROCESSING of Food is making our food less and less safe to eat.

Out of pure caution, take your La Terra Fina Organic Spinach/Dip back to your place of purchase for an immediate refund.

  • It seems that our “healthy-food” is far less safe to eat than it was years ago.
  • Is this purely for company profits?
  • Is it because processed food is becoming less popular?

Whatever the reason, more food is becoming tainted with bacterial poisoning and it seems like more of a “mass-weapon” than any other (other than water).

What Should You Do if you think you may have Listeria Poisoning.  Read this -> Listeria – What to Do

What do you think?

Click here -> Read More …

Eat Safe and …

As Always, Stay Informed …

Bob

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