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Bees
Hate Yellow!
 We
love hummingbirds and have three
feeders on our deck.
Unfortunately, bees love sweet
hummingbird nectar and will
swarm a feeder.
I did some research on the
Internet and discovered bees hate
yellow! I put it to a test.
Around one feeder I planted red
flowers and around another I
planted yellow flowers. The
hummers came equally to both
feeders BUT the bees did not come
to the one surrounded in yellow.
Needless to say, all three feeders
are now surrounded by yellow
flowers. The perfect way to
protect the hummingbirds.
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Protect Your Identity
Shielding your private financial
information with no risk of a
breakdown may be impossible these days.
But, it's critical to understand how your
privacy can be compromised and the
consequences of such a breach -- and take
a few simple steps to, if nothing else,
better the odds in your favor.
Simple ways to protect yourself
There's no ironclad protection that
guarantees that you'll never fall victim
to some form of identity theft. But there
are steps you can take to protect
yourself, many of which are rather simple:
1. Destroy private records and
statements. Tear up -- or, if you
prefer, shred -- credit card statements,
solicitations and other documents that
contain private financial information.
2. Secure your mail.
Empty your mailbox quickly, lock it or get
a P.O. box so criminals don't have a
chance to snatch credit card pitches.
Never mail outgoing bill payments and
checks from home. They can be stolen from
your mailbox and the payee's name erased
with solvents. Mail them from the post
office or another secure location.
3. Safeguard your Social Security
number. Never carry your card
with you, or any other card that may have
your number, like a health insurance card.
And don't put your number on your checks.
It's the primary target for identity
thieves because it gives them access to
your credit report and bank accounts.
4. Don't leave a paper trail.
Never leave ATM, credit card or gas
station receipts behind.
5.
Never let your credit card out of your
sight. Worried about credit card
skimming? Always keep an eye on your card
or, when that's not possible, pay with
cash.
6. Know who you're
dealing with. Whenever anyone
contacts you asking for private identity
or financial information, make no response
other than to find out who they are, what
company they represent, and the reason for
the call. If you think the request is
legitimate, contact the company yourself
and confirm what you were told before
revealing any of your personal data.
7. Take your name off
marketers' hit lists. In addition
to the national Do-Not-Call registry
(1-888-382-1222), you can also cut down on
junk mail and opt out of credit card
solicitations.
8. Be more
defensive with personal information.
Ask salespeople and others if information
such as a Social Security or drivers
license number is absolutely necessary.
Ask anyone who does require your Social
Security number -- for instance, your
insurance company -- what their privacy
policy is and whether you can arrange for
the organization not to share your
information with anyone else.
9. Monitor your credit report.
Obtain and thoroughly review your credit
report at least once a year to look for
suspicious activity. If you spot
something, alert your card company or the
creditor immediately. You may also want to
subscribe to a credit protection service
which alerts you any time a change takes
place with your credit report.
10. Review your credit card
statements carefully. Make sure
you recognize the merchants, locations,
and purchases listed before paying the
bill. If you don't need or use department
store or bank-issued credit cards,
consider closing the accounts.
If something goes wrong
Again, protecting yourself from
identity theft is no sure thing. But there
is plenty you can do if you uncover some
wrongdoing:
First, contact the fraud departments
of each of the three major credit
bureaus. Tell them that you're an
identity theft victim. Request that a
"fraud alert" be placed in your file,
along with a victim's statement asking
that creditors call you before opening
any new accounts or changing your
existing accounts.
Equifax
To report fraud:
1-800-525-6285
and write: P.O. Box
740241, Atlanta, GA 30374-0241
Experian
To report fraud:
1-888-EXPERIAN (397-3742)
and write:
P.O. Box 9532, Allen, TX 75013
TransUnion
To report fraud:
1-800-680-7289
and write: Fraud Victim
Assistance Division, P.O. Box 6790,
Fullerton, CA 92634
Contact the creditors for any accounts
that have been tampered with or opened
fraudulently. Speak with someone in
the security or fraud department of
each creditor, and follow up with a
letter. File a report with your local
police or the police in the community
where the identity theft took place.
Get a copy of the police report in
case the bank, credit-card company, or
others need proof of the crime.
Keep records of everything involved in
your efforts to clear up fraud,
including copies of written
correspondence and records of
telephone calls.
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We
Provide Customer Protection
 We
protect you and your customers with
secure forms, shopping carts and
websites. We provide SSL certificates
on all forms used to submit financial
information. Our carts use PayPal
security verification for credit card
information. And, we backup all
websites with Carbonite which encrypts
all data. We will never share your
information.
Shielding customers' private
financial information is our
priority.
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App
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