Personal Finance: How to clean up ID theft mess

Personal Finance: How to clean up ID theft mess

  

Police unveiled one of the largest identity-theft scandals in New York last week, with authorities arresting 111 suspects tied to a global crime ring based largely in Queens. Using stolen credit- card data, the thieves rang up millions of dollars’ worth of luxury merchandise and services all over the world.

For the unfortunate victims of this crime — or any ID theft scandal — they will need to clean up the mess on their own. 

Here’s some immediate advice:

Contact one of the three major credit-reporting agencies — TransUnion, Equifax and Experian — to place a fraud alert on your file, which should prevent more false accounts from being opened in your name. Here’s their contact info: 

Place a fraud alert

• TransUnion -  1-800-680-7289www.transunion.com
  
  Equifax - 1-800-525-6285www.equifax.com
  
  Experian - 1-888-397-3742
  www.experian.com
  
  Review your credit reports
  When you place a fraud alert on your credit file, you’re able to receive a free copy of your credit report — one from each of the three agencies. Check your reports for any incorrect information.
  
  Close bogus accounts
  Dispute credit cards or bank accounts that were illegally opened in your name by notifying both the credit-reporting agency that lists the false information and the fraud department at the related bank or creditor. Banks and creditors should issue you fresh cards with new account numbers.
  

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  Farnoosh Torabi is a personal finance expert, TV personality and the best-selling author of “Psych Yourself Rich.” Follow her at www.farnoosh.tv and at twitter.com/Farnoosh.
  
  http://www.amny.com/urbanite-1.812039/personal-finance-how-to-clean-up-id-theft-mess-1.3235791 
  

How To Be Organized:

How To Organize Coats

Instantly upgrade your coat closet, or any closet for that matter, by replacing mismatched hangers with matching ones. This will create a uniform look and give an overall neatened appearance to your coat closet.  The best hangers for coats are wide-shoulder wooden hangers, which bear weight better than plastic ones. The contour of the hanger will keep the shape of coats, and the width will ensure space between coats and prevent them from wrinkling. 

To maximize closet space, hang short and longer coats in two separate groups.

This way, you can utilize the space under the short coats to store other items. 

Face all coats in the same direction, noting that the curved side of the hanger (if it has one) goes to the front. 

If coat closet space is tight, then limit how many coats each family member keeps there. 

This will make it an active, user-friendly closet rather than a storage closet. 

Store off-season coats elsewhere. 

Aim to leave space in the closet (and a few empty hangers) for guest coats

http://www.stylelist.com/stacey-platt-and-sarah-hayon/how-to-be-organized-how-t_b_1144462.html

The Good Old Days...

Bottle of Bayer’s Heroin

Between 1890 and 1910 heroin was sold as a non-addictive substitute
for morphine. It was also used to treat children with a strong cough.

Coca Wine, anyone?

Metcalf’s Coca Wine was one of a huge variety of wines with cocaine on
the market. Everybody used to say that it would make you happy and
it would also work as a medicinal treatment.

Mariani Wine

Mariani wine was the most famous Coca wine around 1875.
Pope Leo XIII used to carry one bottle with him all the time.
He awarded Angelo Mariani (the producer) with a Vatican gold medal.
 

 

Maltine with your Coca?

Produced by Maltine Manufacturing Company of New York.
It was suggested that you should take a full glass with or after every meal,
but children should take half a glass.

Paper Weight

A paper weight promoting C.F. Boehringer & Soehne (Mannheim, Germany).
They were proud of being the biggest producers in the world of products
containing Quinine and Cocaine.


Opium for Asthma

Considered safe since it contained no more than 40% alcohol opium...

Cocaine Tablets
 
All stage actors, singers teachers and preachers had to have them in the 1900's
for a maximum performance. Great to “smooth” the voice.

Cocaine Toothache Drops

Very popular for children in 1885. Not only did they relieve the pain,
they made the children happy...

Opium for Newborns !!
 
This would make them sleep well - Opium with 46% alcohol

No wonder they were called The Good Old Days!
 

Fun Stuff

 

In Memoriam - Carmen A. Saavedra

Carmen A. Saavedra

July 16, 1933 - August 2, 2011

 

A former CMC / IS Alumni

has passed away this morning Aug. 2, 2011

She was going to have open heart surgery tomorrow

but checked in early this AM.

As they were getting her ready for an angiogram,

she had a fatal heart attack..

May she rest in peace.

 

Mass for Carmen Saavedra

August 2, 2012  at  12:15 pm

@

St John the Baptist Church

207 W 30th street 

(across from Madison Square Garden)

The Holy Rosary will be prayed at 12:00PM

Real Man’s Point System

Real Man’s Point System

For thousands of years, 

men have tried to understand the rules 

when dealing with women.  

 Finally, this merit/demerit guide will help you to understand just how it works. 

Remember, in the world of romance, one single rule applies:  

Make the woman happy. 

1. Do something she likes, and you get points. 
2. Do something she dislikes and points are subtracted. 
3. You don’t get any points for doing something she expects…

SIMPLE DUTIES
You make the bed:   +1
You make the bed, but forget to add the decorative pillows:   0
You throw the bedspread over rumpled sheets:  -1
You leave the the toilet seat up:   -5
You replace the toilet paper roll when it is empty:  0
When the toilet paper roll is empty, you resort to Kleenex:  -10
When the Kleenex runs out you use the next bathroom:  -20
You go out to buy her extra-light panty liners with wings:  +15
In the snow: +28
But return with beer;  -5
And no liners: -25
You check out a suspicious noise at night;  0
You check out a suspicious noise and it is nothing:  0
You check out a suspicious noise and it is something:  +5
You pummel it with a six iron:  +10
It’s her cat:  -40

AT THE PARTY
You stay by her side the entire party:  0
You stay by her side for a while, then leave to chat with a College drinking buddy:  -2
Named Tiffany:   -4
Tiffany is a dancer:  -10
With breast implants:  -18

HER BIRTHDAY
You remember her birthday:  0
You buy a card and flowers:  0
You take her out to dinner:  0
You take her out to dinner and it’s not a sports bar… +1
Okay, it is a sports bar:  -2
And it’s all-you-can-eat night:  -3
It’s a sports bar, its all-you-can-eat night, and your face is painted the colors of your favorite team:  -10


A NIGHT OUT WITH THE BOYS...

 

Go with a pal:  0
The pal is happily married:  +1
The pal is single:  -7
He drives a Ferrari:   -10
With a personalized license plate (GR8NBED):   -15

A NIGHT OUT WITH HER
You take her to a movie:   +2
You take her to a movie she likes:  +4
You take her to a movie you hate:  +6
You take her to a movie you like:  -2
It’s called Death Cop III:   -3
Which features Cyborgs that eat humans:   -9
You lied and said it was a foreign film about orphans:  -15

YOUR PHYSIQUE
You develop a noticeable pot belly:  -15
You develop a noticeable pot belly & exercise to get rid of it:  +10

You develop a noticeable pot belly and resort to loose jeans and baggy Hawaiian shirts:  -30
You say, “It doesn’t matter, you have one too”:  -800
 

 

THE BIG QUESTION:  
She asks, “Does this dress make me look fat?”
You hesitate in responding:   -10
You reply, “Where?”   -35
You reply, “No, I think it’s your ass”:  -100
Any other response   -20

COMMUNICATION:   
When she wants to talk about a problem...
You listen, displaying a concerned expression… 0
You listen, for over 30 minutes… +5
You relate to her problem and share a similar experience… +50
Your mind wanders to sports and you suddenly hear her saying "Well, what do you think I should do?" -100
You have fallen asleep:  -200

IT’S THAT TIME OF THE MONTH
You talk… -100
You don’t talk… -150
You spend time with her… -200
You don’t spend time with her… -500
You seem to be enjoying yourself… -1000

Mother Cabrini