Best Patriotic Song Ever

Ray Charles.  America the Beautiful.  Enough said.



Happy Birthday, America!

Credit Card Compromised

It is quite ironic that after a long absence from updating The New Blogged Word, the topic today falls immediately on the heels of an identity theft topic.

No, at least at this point, it does not look as if our identity has been stolen, but we did have our credit card number compromised. We have our cards, but when checking our balance through the automated phone system today, we found over $17,000 in charges!

A quick call to our credit card provider began the process of clearing things up. Flights, travel services in Istanbul and England, utilities, and dozens of other random charges.  The charges had been taking place for days and continuing today - during our call - when the agent deactivated our account.  New cards, with new numbers are on the way.

This caused me to look for some resources on Amazon, just in case I needed to dig deeper. Much to my chagrin, I found an enormous collection, at the time of this writing, 849 results, related to Identity Theft Resources!

Whether you buy a book from Amazon, or subscribe to an identity theft prevention service, be very careful about your credit card use. Something as innocent has handing it to a waiter, who takes it out of sight to process, may be just what you don't need!

Dave

Identity Theft Precautions

Colleagues shared this at work recently and many of these suggestions make a lot of sense. The sad part is that not too many years ago, we didn't have to worry about, nor did we even think about, these kinds of things. I've been using some of these myself, but see some new ones I'll add to my defenses.

I hope you find them useful.  Feel free to add any of your own techniques!

1. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook, they will not know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.
2. Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED" or "PLEASE CHECK I.D."
3. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the "MEMO" 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.
4. Put your work phone number on your checks instead of your home phone. If you have a P.O. Box, use that instead of your home address. If you do not have a PO Box, get one and have all mail sent there. Mailbox theft is growing!
5. Never have your Social Security Number printed on your checks. You can selectively provide it based on the circumstance. But if you have it printed, anyone can get it.
6. 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 photocopies safe. Always carry a photocopy of your passport when you 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.
7. If you have access to your email via the Internet, scan and email yourself the contact information copied above. If you're traveling and disaster strikes, you can access all of this information just by locating the nearest Internet cafe.

These are great precautions, but if your personal identity information has been compromised, here's some things to do to help limit the damage:

1. Common wisdom is to cancel 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.
2. 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.)
3. Call the three national credit reporting organizations (Equifax, Experian, TransUnion) immediately to place a fraud alert on your name and Social Security number. A dangerous application for credit made over the Internet in your name can be stopped in its tracks with this alert on your accounts. This requires the agencies to contact you via phone to authorize new credit.

Here are the critical contact number you'll need:

• Social Security Administration (fraud line) 800-269-0271
• Equifax: P.O. Box 740241, Atlanta, GA 30374   800-685-1111
• Experian (formerly TRW): P.O. Box 2002, Allen, TX 75013   888-397-3742
• Trans Union: P.O. Box 1000, Chester, PA 19022   800-888-4213

Memorable Merchant(s) - TryLocalFirst.org

Usually, when I share experiences in Memorable Merchants, it is pertaining to a single merchant.  Today, it makes sense to focus on a group of local Gresham merchants that are trying to make a significant difference in our community.

Try Local First is a coalition of local business groups, launched by the Gresham Chamber of Commerce to urge East County citizens to support our own quality of life by supporting local businesses.  To their credit, check out the Try Local First banner in the rotation at the bottom of their home page.

The coalition's premise is based on a simple economic concept:  spend money locally, and the money stays in the local community longer and does more good than dollars that are sent outside the area, state, or country.

Bravo!

If you are an East County business owner - get involved.  If you are an East County resident, look for the Try Local First placards in local businesses.  At a minimum, look to our local merchants FIRST every time you shop.

Dave

Memorable Merchant - ShedRain Umbrellas

How often do you use a product for 14 years, have it fail (wear out, actually), inquire skeptically about the so called "Lifetime Warranty" and be taken care of without a single question asked?

Yes, I'm amazed, too.

ShedRain is a third-generation Oregon company founded in 1947. With a name like ShedRain, what else does an Oregon company make? Umbrellas, of course! And quality ones at that. Remember the 14 year statement?

When my wife's umbrella finally gave up, I called to find out about the Lifetime Warranty. Helpful-Warranty-Manager-Brandy said bring it in and they would take a look at it. So I did. Again, without any questioning, she cheerfully accepted the umbrella for inspection. Brandy indicated that within a week or so, she would have a decision on whether it could be repaired or if they will need to replace it.

Replace it? Again, I point out 14 years!

Friends and family are likely tired of the frequent story I tell about my first visit to a Les Schwab Tire Center years ago with a nail in my tire. When I tried to pay for the repair, they said "no charge." When I asked why, they said that it looked as it I would be needing tires in the near future and that they would appreciate it if I thought of them. Are you kidding? Since that day, I've never gone anywhere else.

From this day forward, I will never buy an umbrella from any manufacturer other than ShedRain. I suggest you do the same.

Dave