Tag Archives: personal

HOW TO PROTECT YOUR IDENTITY

Almost every one of us is carrying a wallet or purse full of personal information, and there are crooks out there just waiting to get their hands on them!  Some thieves may be hiding behind a computer, but there are many others that gain access to your good fortune and hard work simply the old-fashioned way, by stealing your purse or wallet.    Women, especially, should keep an eye on their purse at all times, and never leave it in their cars, even locked. 

When someone uses your personal information, they are committing identity fraud.  The Federal Trade Commission estimates that up to 9 million Americans have their identity stolen each year.  This is a very serious crime, one that can result in causing hard working persons to spend a great deal of money and time repairing their good name and credit records.  Others may be able to resolve the problem easily, but it still shouldn’t happen to anyone. 

Just in case, it is a good idea for you to take the time NOW to copy front and back of every card that you carry with you.   You will need the information on the cards to help you with security codes and contact information required to report loss or theft.  If you have travel plans, keep this info with you in a safe place, and also keep it secure in your home. 

If you do online banking, etc., it is a good idea to change passwords often.  Don’t use the standard things such as your mother’s maiden name, your pet’s name, or other things they may have a way of discovering.  When you need to call your credit card company, don’t cancel your account, as that might hurt your credit score, if you have an outstanding balance.  Just ask for an account number change and explain what has happened.  If you should lose your checkbook, be sure to notify your bank and get a new ATM or debit card, along with a new checking account.  Monitor any online accounts that you have often in order to track suspicious transactions. 

The Federal Trade Commission classifies several types of identity theft as follows:

  • Dumpster Diving:  persons who rummage through trash, going through your bills and other information.
  • Skimming: stealing credit/debit card numbers by using specialized storage devices when processing your card.
  • Phishing: pretending to be companies or financial institutions that send spam or pop-up messages to get you to reveal personal information.
  • Changing your address: Divert billing statements by completing a change of address form.
  • Stealing:  Lifting wallets, purses, or stealing your mail that contains pre-approved credit card offers, new checks from your bank, or by bribing others who have access to personnel records.
  • Pretexting:  Persons who use false pretenses such as posing as an employee with a research firm to obtain your personal information.  Never give that information to anyone over the phone.   

Shred most statements within 45 days of receipt, unless you need them for proof of purchase.  Bank statements, check stubs, medical bills, and anything containing your personal information should also be shredded.  Keep income tax information, records of payments, and prescription and medical information that you need in a safe place. 

It’s sad, but there are bandits and cyber-bandits everywhere.  We need to protect our information and teach our children to do the same.  When it comes to your privacy, you can’t be too safe!

LOOKING OUT FOR #1!

There aren’t many jobs in this world that don’t have a certain amount of risks involved.  Sure, a steelworker has a more dangerous job than a secretary sitting behind a desk!  But there are many hazards in even an office.  Tripping over wires, file cabinet drawers being left out, are just a few of the dangers lurking in an office.  It’s up to the individual to be safe.

Those who must wear Personal Protective Equipment, or PPE, have the responsibility of wearing it in the correct way, and not removing it while working.  Companies train employees in the proper use of PPE in relation to their job duties.  Employees should pay attention to the training they are given, and to the risks they encounter on an every-day basis.

Injuries occur at work, but many times they can be avoided.  Watching out for both yourself and the other guy will pay off.  Know your job hazards.  If you pay attention to your job, use common sense, avoid distractions, and follow company policies, hopefully you will go through your entire work experience without a scratch.

PPE is there for a reason:
There are many types of Personal Protective Equipment for hundreds of uses, but remember, it works best when used properly.  Your company can buy it for you, but it’s up to you to wear it and take care of it.  Be sure it fits comfortably.  If something becomes worn, report it to your supervisor, so it can be replaced.  Certain jobs at home require types of PPE, whether to protect your eyes with safety glasses or goggles while mowing the lawn, working in the shop, or wearing gloves when gardening.  Taking the time to put on a pair of gloves, glasses, or whatever is needed is the best way to be safe.  Whether your tasks are at home or work, play it safe!  Know your equipment and protect yourself at all times.