How Identity Theft Occurs

Skilled identity thieves use a variety of ways to gain access to your personal information.
For example, they may get information from businesses or other institutions by stealing
it while they’re on the job; bribing an employee who has access to these records; hacking these
records; and conning information out of employees.

Or:

• they may steal your wallet or purse.
• they may steal your personal information through email or the phone by saying
they’re from a legitimate company and claiming that you have a problem with your
account. This practice is known as “phishing” online, or “pretexting” by phone.
• they may steal your credit or debit card numbers by capturing the information in
a data storage device in a practice known as “skimming.” They may swipe your card
for an actual purchase, or attach a device to an ATM machine where they may enter
or swipe your card.
• they may get your credit reports by abusing the authorized access that was granted to
their employer, or by posing as a landlord, employer, or someone else who may have
a legal right to your report.
• they may rummage through your trash, the trash of businesses, or public trash dumps in
a practice known as “dumpster diving.”
• they may steal personal information they find in your home.
• they may steal your mail, including bank and credit card statements,
credit card offers, new checks, and tax information.
• they may complete a “change of address form” to divert your
mail to another location.

Once identity thieves have your personal information, they may use it to commit fraud
or theft.

For example:

• they may call your credit card issuer to change the billing address on your account.
The impostor then runs up charges on your account. Because the bills are being sent
to a different address, it may be some time before you realize there’s a problem.
• they may open new credit card accounts in your name. When they use the credit cards
and don’t pay the bills, the delinquent accounts are reported on your credit report.
• they may establish phone or wireless service in your name.
• they may open a bank account in your name and write bad checks on the account.
• they may counterfeit checks or credit or debit cards, or authorize electronic transfers
in your name, and drain your bank account.
• they may file for bankruptcy under your name to avoid paying debts they’ve incurred
under your name, or to avoid eviction.
• they may buy a car by taking out an auto loan in your name.
• they may get identification such as a driver’s license issued with their picture, in your name.
• they may get a job or file fraudulent tax returns in your name.
• they may give your name to the police during an arrest. If they don’t show up
for the court date, a warrant for arrest is issued in your name.

Please use common sense with your credit cards, credit card bills, and other personal
identity information.

As you can see from the above article, Identity Theft is something to take into serious consideration.

Identity Theft Prevention

In the course of a busy day, especially this time of the year, you may write a check at the grocery store, charge Bowl Game tickets, rent a car, mail your tax returns, change service providers for your cell phone, or apply for a credit card. In each transaction, you reveal bits of personal information, like your bank and credit card account numbers; your income, your social security number (SSN) or your name, address and phone numbers – a goldmine of information for an identity thief. Once a thief has that information, it can be used without your knowledge to commit fraud or theft.

Identity theft is a serious crime. People whose identities have been stolen can spend lots of time and money cleaning up the mess thieves have made of their good name and credit record. They may lose out on job opportunities, and loans for education, housing, or cars. The may even get arrested for crimes they did not commit.

Can you prevent an identity theft? As with any crime, you cannot completely control whether you will become a victim. But according to the Federal Trade Commission (FTC), the nation’s consumer protection agency, you can minimize your risk by managing your personal information cautiously.

If someone has used your name or other personal information to commit a fraud, please visit http://www.consumer.gov/idtheft for information on how to proceed and how to file an identity theft complaint. The site has links to useful information from other federal agencies, states, and consumer organizations. The information in your complaint becomes part of a secure database that law enforcement officials across the nation use to help stop identity thieves.

If you know someone that needs this information and they do not  have access to the internet, they may call 1877-ID-THEFT, the FTC’s toll-free ID Theft Hotline.

Tips for Picking a Locksmith

What’s the best way to pick a reputable locksmith? Consider researching locksmiths before you need one, the same way you would a plumber, electrician, or other professional. That works well if you’re looking to have some security work done at your home, like installing deadbolts on the exterior doors of your house, or a safe in your bedroom.

But if you’re dealing with an emergency, like being locked out of your car, you really don’t have much time for thorough research.

Regardless of whether you are locked out of your car or home, you need new locks installed, or you require other security work, the FTC offers these tips to help you hire a legitimate, local locksmith.

In emergency situations:

• If you’re locked out of your car and have a roadside assistance service, call them first. These services sometimes are included with the purchase of a car, or as an add-on through your insurance company. You also can buy this service separately. Roadside assistance plans often have a list of pre-approved companies to perform services like unlocking cars, jump-starting batteries, changing flat tires, delivering gasoline, and towing.
• Call family or friends for recommendations.
• If you find a locksmith in the phone book, on the Internet, or through directory assistance, and a business address is given, confirm that the address belongs to that locksmith. Some disreputable companies list street addresses to give the impression that they’re local. But the addresses may belong to other businesses or vacant lots, if they exist at all. You can verify addresses through websites that allow you to match phone numbers with street addresses. Some legitimate locksmith companies may not include a street address in their listing either because they operate a “mobile” business or they operate their business out of their home and may be reluctant to list that address. If you call a locksmith who doesn’t list an address, ask why. If the answer is that it’s a “mobile” business, you will understand they have no storefront.
• Write down the names of several businesses, their phone numbers, and addresses for future reference, in case you don’t want to go with the first locksmith you call.
• If a company answers the phone with a generic phrase like “locksmith services,” rather than a company-specific name, be wary. Ask for the legal name of the business. If the person refuses, call another locksmith.
• Get an estimate for all work and replacement parts from the locksmith before work begins. In cases of “lock-outs” (being locked out of your car or home), most legitimate locksmiths will give you an estimate on the phone for the total cost of the work.
  • Ask about additional fees before you agree to have the locksmith perform the work. Companies may charge extra for responding to a call in the middle of the night. Ask if there is a charge for mileage, or a minimum fee for a service call.
  • If the price the locksmith provides when he arrives doesn’t jibe with the estimate you got on the telephone, do not allow the work to be done.
  • Never sign a blank form authorizing work.
• Find out if the locksmith is insured. If your property is damaged during a repair, or if faulty work leads to loss or damage, it’s important for the locksmith to have insurance to cover your losses.
• When the locksmith arrives, ask for identification, including a business card and, where applicable, a locksmith license. Nine states require locksmiths to be licensed: Alabama, California, Illinois, Louisiana, New Jersey, North Carolina, Oklahoma, Tennessee and Texas. In addition to a business card, check to see if the invoice includes the company’s name, and whether the locksmith’s vehicle has a name that matches the business card, invoice, and/or bill.
• Expect the locksmith to ask you for identification, as well. A legitimate locksmith should confirm your identity and make sure you’re the property owner before doing any work.
• Some locksmiths will work out of a car for quick or emergency jobs, but most will arrive in a service vehicle that is clearly marked with their company’s name.
• In the case of a lock-out, be cautious if you’re told up front that the lock has to be drilled and replaced. An experienced legitimate locksmith has invested in the tools and education to provide quality service, and can unlock almost any door.
• After the work is completed, get an itemized invoice that covers parts, labor, mileage, and the price of the service call.
  In situations where you have more time, check out locksmiths with your state Attorney General (www.naag.org), local consumer protection agency (www.consumeraction.gov), and the Better Business Bureau (www.bbb.org) to make sure there are no unresolved complaints on file. (You can get the phone numbers for these organizations in your phone book, through directory assistance, or through Web directories.) This is true whether you need a locksmith for a one-time job, or you want to hire someone to work for you on a continuing basis.

  You must be able to trust your locksmith. You don’t want to give access to the locks for your home, car, or place of business to just anyone.

  Any question? Feel free to call me.

  Sincerely,

  Thomas “Trapper” Sherwood
  615 355-5886
  Sherwood Locksmithing

The Keys to Hiring a Reputable Locksmith

If you’ve ever locked yourself out of your car or home, you know what a hassle it can be. Your first thought is to get someone to help you out of your situation. If a family member or friend can’t deliver a spare set of keys, your next call might be to a local locksmith. But before you make that call, consider this: According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, some locksmiths advertising in your local telephone book may not be local at all. They may not have professional training. What’s more, some of them may use intimidating tactics and overcharge you.

When “Local” Is Really Long-Distance.

Consider this scenario: A company far away from your town chooses a name for its business that is very similar to the name used by a local locksmith. The company advertises in the phone book or on the Web using a local telephone number and local address. When you call the number, you’re actually connected to a call center in another city. What’s more, there’s no locksmith shop at the address listed.

You may be quoted a price on the phone, but when the locksmith arrives, often in an unmarked vehicle, he may want significantly more money. The locksmith also may accept only cash.

Some who claim to be “local locksmith” companies have multiple listings (sometimes 30 or more separate listings in a single phone book) with different names. But the calls to each of these numbers go back to the same central number in a distant city where operators dispatch untrained individuals to do the job.

Bottom line, know your local locksmith! Ask when you are on the phone with him/her what specific city are they located in and most important, ask if they are a state licensed locksmith,(you will want to see their ID when they arrive) if your state does require a locksmith. Tennessee does.

Next post we will continue to cover tips to hiring a reputable locksmith.

Thomas “”Trapper” Sherwood
Sherwood Locksmithing TN LP #0067

Bass Pro Shops Begin Carrying TASER C2 Personal Safety Devices

Self-Protection Units Available in Selected Stores This Month

Greetings,

In a press release issued Thursday December 18th, 2008 TASER International
announced it has partnered up with Bass Pro Shops; the World’s Greatest outdoor
store to begin carrying TASER personal safety devices in selected stores.

To view the complete press release please click here =>
http://www.marketwatch.com/news/story/Bass-Pro-Shops-Begin-Carrying/story.aspx?guid={2192AD33-7FA7-4AA7-8E0D-17CB57F1EFB3}

I am especially looking forward to the new state of the art new public safety background check.

As I hear more, and what stores these will become available in and what areas, I will keep you posted.

Trap

PS…to learn more about your personal safety & security, please visit:
Personal Safety & Security Secrets Revealed

Look Before You Cash That Money Order

Greetings,

Well, we are one week before Christmas Eve.

Lots of shopping is sure to still be done between now and Christmas Eve.

If you and your business accepts Money Orders, pay careful attention to them, especially this time of the year.

According to the USPS, US Postal money orders are among the most secure financial instrument in the world.
Genuine postal money orders contain design features to maximize their security.

To ensure you are accepting or cashing the real thing, look for these features on genuine postal money orders.

1. When held to the light, a watermark of Benjamin Franklin is repeated from top to bottom on the left side.

2. When held to the light, a dark line (security thread) runs from top to bottom with the word “USPS” repeated.

3. There should be no discoloration around the dollar amounts, which might indicate the amounts were changed.

Remember, domestic postal money orders may not exceed $1000.00 and international postal money orders may not exceed $700.00.

If you have any questions about any postal money orders, call your nearest US Postal Inspection Service office, or Post Office. You may also call 1800 ASK-USPS

Be safe when accepting payments for your hard work, know you are accepting a real and genuine postal money order, some people are not as honest as you may think.

Sincerely,

Thomas “Trapper” Sherwood

PS…Give the gift of Personal Safety this year with a copy of Personal Safety & Security Secrets Reavealed,
available online at Personal Safety eBook

Find Last Minute Holiday Travel Deals Online

The internet gives us access to just about anything we can imagine. This includes finding flights, trains, buses, hotel rooms, and rental cars that we can use to travel for the holidays. While most of these entities are more expensive when you travel over the holidays due the demand, you can still find some good deals if you take the time to look.

You will generally find that you can save the most money on holiday travel if you purchase a complete package deal. This is less expensive than buying each piece that you need individually. It also provides you with only one confirmation number that you need to keep track of instead of several different ones.

There are literally hundreds of sites online where you can look for holiday travel deals. You can search by your destination in a search engine or choose the various sites you have heard about. It is a good idea to keep a list of the sites you visit and the prices you are coming across. This way you can compare the prices and easily remember where you want to go back to.

Most of the time fares will be cheaper online than by contacting the place directly because it saves their business time of having to set up the travel arrangements for you. Make sure you carefully read all of the information though because some travel deals have hidden costs that you don’t want to be liable for. You also need to check into the cancellation policies and about rescheduling your trip.

Some online travel deals don’t offer any refunds at all so if a family member dies or you have an unexpected illness you won’t be able to get your money back. Even if you show up late for your flight because you got caught up at security they won’t honor your purchase. This can be extremely risky because there are too many variables that can affect holiday travel.

Make sure you also pay close attention to the amount of time that you will be in the process of getting to your destination. You may find a killer price but it isn’t going to be worth it if you have several connecting flights and layovers along the way. Look for direct methods to get to your destination whenever it is possible. There are simply too many delays during holiday travel to ensure you can get to those connections on time.

Many of the sites you visit online will allow you to sign up for special offers and promotions. You should take advantage of these offers so that you don’t have to continually return to their site to check for changes in prices. Some of them even allow you to enter a price so that you can be notified if the price of the trip you want drops to that price. For those that can only afford holiday travel if it fits a specific budget, this is a valuable feature.

During your search online for holiday travel, be flexible with your dates. You will be able to save hundreds of dollars just by being willing to leave a day earlier or leaving in the evening instead of the afternoon. Those that want a specific travel arrangement will find this ties them into more expensive offers. Even if you travel a day earlier and have to pay for a hotel room that extra night you could save hundreds of dollars.

It does take some initial planning of where you want to travel and how you are going to get there in order to find the best travel deals. Investing a few hours of your time in getting the best price though is well worth the savings you will get from it. Millions of people travel each year over the holidays but some of them pay more for the same trip because they didn’t look for holiday travel deals online.

Be Safe on your Travels.

Trapper

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Personal Safety eBook

Can Local Locksmith See the Future of the Auto Industry in 09?

Greetings,

Is it true that I, just an everyday locksmith can see into the future of the auto industry in 09?

Here are a few interesting, well they were to me, trends that you will see in 09.

First, as we end 08, you will see or I should say not see anymore of the following vehicles in production for 09.

Chevrolet Uplander, Chrysler Crossfire, Chrysler Pacifica, Hyundai Tiburon, Mazda B series Pickups,
Suzuki Forenza, Suzuki Reno, Dodge Magnum.

I hate seeing the Dodge Magnum going away, that is one “real bad grocery getter!”

Also remember that Suzuki is closing down their US Operation in 09,
so I would be careful if purchasing one of these. I would be worried about dealer support.

What’s new for 2009? Here we go!

Honda will be introducing the Insight.

Hyundai, in order to compete with Lexus and Mercedes will roll out the Genesis.
This will be interesting to see how Hyundai can stand up against the big boys in the
luxury car department. Let’s keep an eye on this.

Kia Borrego is an SUV.

Lincoln MKZ, from what I have seen, this is a cool looking car.

Suzuki Equator is a pickup truck. Rumor has it that is the same as a
Nissan Frontier, just a different name.

Volkswagen is introducing the new mini-van named Routan.
No doubt you have by now seen the commercials with Brooke Shield.
Funny commercials, but lets see how the Routan actually does.

Dodge has another small mini-van coming out called the Journey.

So there you have a small physic reading into the new year.

09 should be an interesting year in the auto industry.

Trap
Sherwood Locksmithing

PS…Keep an eye on your Identity. Discover all about ID Theft & how to prevent it from happening to you.
Download your FREE report at Personal Safety eBook

Fire Safety and Children

If you are looking for ways to teach your children fire safety in the home, it is not always necessary to find the information on the internet or in the local library. When it comes to fire safety there are no actual rules that apply. It is more like the commonsense steps to take to ensure the safety of your home and children during a fire. Child outgrowth education includes formulating some sort of plan. It is important that your house is well equipped with working smoke alarms. You should develop a plan that will inform the whole family, yet keep in mind it should be simple enough for children under the age of 12 to understand.

Children have the tendency to be very curious so it would be good to beat them to the punch of finding out the hard way. Educate them about lighters and matches and the hazards that they cause. Try to make sure that they fully understand the use of these items and that they are not to be looked at as toys. If possible try to keep these things out of their reach. Also make sure to emphasize that fires are not always caused by children, as a matter of fact adults are more likely to set off a fire than children. For example the kitchen is one of the main spots that house fires begin. Food and other flammable products such as oil left on the stove at a high temperature are one of the many reasons that fires that tend to begin in the kitchen.  It is a god idea to keep children away from the kitchen when you are cooking.

Another thing to stress to kids when discussing fire safety is the steps to take if they ever catch on fire or in case of heavy smoke. The main steps to remember if you or your clothes catch fire are to drop down to the ground and proceed to roll around until the fire dies out. Also notify them that in case a heavy smoke arises you will wrap the children in a wet blanket and instruct them to creep low, below the smoke. It is also good to keep in mind the parents are the ones who the children will depend on to keep them safe; so don’t panic, it will only make matters worse.

Child fire safety education is never ending process; most of the responsibility is placed on the parents. You may be confident that your house is fully child-proof and safe but never assume a house is completely safe; there are always dangers hanging around somewhere. Therefore make sure that the gadgets that are installed in your home are effective. Try vocal smoke alarms which are cogent alternatives to the traditional smoke alarm. It allows you to use your own voice to configure the alert; you can even record instructions on what to do, which will be great for younger children as well as elders.

For the sake of their safety remember to keep them up to date on what to do in case of a fire emergency or any other danger constantly. Always remember that your child’s safety lies in your hand so it is also critical that you are aware of the safety information as well.

Be safe,

Trapper

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Personal safety & Security Secrets Revealed.

Preparing your Vehicle for Holiday Travel

No one wants to have their holiday travel plans ruined due to their vehicle breaking down, so make sure you give it plenty of attention before hand. Complete a thorough check of all the routine items on your vehicle. The oil should be changed and you will want to check all the fluids including the transmission fluid, windshield wiper fluid, and brake fluid.

Don’t wait until something breaks on your vehicle to replace it, especially when you are traveling for the holidays. Carefully inspect all of the hoses for signs of wear as you never know when they will end up breaking. If you haven’t used your windshield wipers for a while make sure they are in good condition.

Have someone stand behind your vehicle so you can make sure both of your turn signals work as well as your break lights. Replace any bulbs that are burned out or seem to be dim. Do the same for your headlights on both low beams and high beams. This will ensure other vehicles are able to see you coming and know when you are planning to stop or to turn. It is a good idea to carry fuses in your glove box so that you can replace any that may burn out during your travel for the holidays.

Your tires are very important when you are traveling for the holidays. Check the wear patterns on the tread to make sure they are in good shape. Of the two front tires are wearing unevenly you may need to have your vehicle aligned. You may find it is time to rotate the tires on your vehicle as well. This involves moving the front ones to the back and the back ones to the front.

Depending on the time of year when you travel for the holidays, you may experience bad weather. Make sure you have a survival kit in your car that includes tire changes which many end up being mandatory to drive on the roads in some areas. You also want this survival kit to include a flashlight with fresh batteries, flares, food, water, a first aid kit, blankets, a car jack, and a gas can.

It is a good idea to make sure you have a cell phone will you as well. Most models come with a battery charger that plugs right into your cigarette lighter so you don’t have to worry about the battery running low while you are traveling for the holidays. If you don’t want to get caught up in a lengthy cell phone contract, look for those offered at retail stores. They are inexpensive and they work well. However, you buy the amount of minutes you want for the phone in advance. When the minutes run out you can choose to buy more or simple get rid of the phone.

It is never a good idea to be in a vehicle without seatbelts for all passengers. However, some states don’t require the use of a seatbelt so people don’t pay attention to them working or not. If you are traveling out of state for the holidays you may be going through those that do require them and you need to be prepared.

Accidents can still happen even when you have properly prepared your vehicle for holiday travel. Seatbelts and car seats offer you a way to reduce the chances of serious injury if such an event does take place. In your glove box you should have a disposable camera so you can take pictures of the accident scene for your insurance company. Make sure you have a pen and paper handy as well so you can exchange insurance and personal information with the other party involved.

Thousands of people choose to travel for the holidays using their own personal vehicle. Doing your very best to make sure your vehicle is in excellent working condition will help you to arrive at your destination safely.

Thomas “Trapper” Sherwood
Sherwood Locksmithing

PS….Discover how to protect yourself from ID Theft with our FREE report available at
Personal Safety & Security Secrets Revealed