Should You Freeze Your Credit

Should You Freeze Your Credit Should You Freeze Your Credit? Should You Freeze Your Credit?Freezing your credit will mean scammers cant steal your identity and open new accounts in your name. But is it the best way to protect your money?It’s quite cold outside. So cold, in fact, that your credit might just freeze!Just kidding. It’ll take more than leaving your credit in the snow to freeze it. But what does freezing your credit even accomplish? And should you do it? And how would you do it?Those are the questions we’re here to answer. So chill out, cause we’re talking credit freezes. What does it mean to freeze your credit?Wouldn’t it be … ice … to keep your credit score to yourself? Well, you can! At least temporarily.“What is a credit freeze?” asked Robert Siciliano (@RobertSiciliano), Security Awareness Expert and CEO of Safr.Me, rhetorically. “It’s an action you take to lock down your credit report. A lender can’t see your score, which means your Social Security number and credit rating is useless to them. In other w ords, they can’t tell if you are risky or not.“When an identity thief can access your ID (aka your Social Security number), they can also create credit in your name. However, if your credit file is frozen, the bad guys can’t access it any longer. With a credit freeze, your credit file is inaccessible.”Should you freeze your credit?As you might have been able to gather from context, one of the main reasons to freeze your credit is if you’re worried you’ve been the victim of identity theft.“The very best thing you can do to protect yourself from many forms of identity theft is to put a credit freeze on your credit report at each of the three major credit reporting agencies,” recommended Steve Weisman, lawyer, author, and identity theft expert who writes at Scamicide (@Scamicide).“Having a credit freeze on your credit reports at the three major credit reporting agencies, Equifax, Experian and TransUnion, will prevent criminals from accessing your credit reports in ord er to open accounts, access credit or make major purchases in your name even if the criminal has your Social Security number and other personal information.Particularly due to the fact that with large numbers of data breaches including the massive data breach at Equifax, your Social Security number may already be in the hands of an identity thief so freezing your credit is important.”But surely freezing your credit must have some major disadvantages, right? Not necessarily!“With data leaks becoming increasingly common, it makes sense to freeze your credit,” explained Austin Grandt, founder of Financial Toolbelt (@fintoolbelt). “If your social security number gets leaked, it is possible for someone to open accounts in your name if your credit isnt frozen. Freezing your credit is a precaution that does not cost you anything and can save a lot of headaches in the future.If you are curious if your information has been a part of any hacks, use the tool Have I Been Pwned. This wil l give you some context about the extent of data leaks and help you make an informed decision if you want to freeze your credit or not.”How do you freeze your credit?OK, so this freezing your credit business sounds like it can be a good way to deal with identity theft. But how do you do it?“Freezing your credit is not an inconvenience, explained Siciliano. “It only takes a couple of minutes to freeze and unfreeze your credit file. Of course, you need to unfreeze before getting approved for credit. That simply means prior to initiating an application for credit, you need to spend 5 minutes administrating the thaw.This boils down to a simple change in the current process which makes you more secure. Think of a freeze as putting on your seatbelt. It’s just something you have to do. To freeze your credit with Equifax, click here. To freeze your credit with Experian, click here. To freeze your credit with Transunion, click here.”And you’re sure it won’t cost anything?“The cost to freeze your credit was between $0 and $10 per credit bureau agency, the cost depending on the law in your state,” Justin Lavelle, Chief Communications Officer at BeenVerified (@BeenVerified), told us. “However, since September 21, 2018, there’s been no cost to place or lift a credit freeze.The removal of the fees doesn’t make the process easier; however, the removal of fees makes the process more attractive to consumers who were hesitant to pay a fee for placing a freeze and for each lifting of the freeze. The process has become faster since the credit freeze was first introduced several years ago. Presently, a freeze can be lifted in minutes via the internet or by phone.”Are there alternatives to freezing your credit?Freezing your credit isn’t the only way to counter identity theft, though each method has its own upsides and downsides.“While various identity theft protection services are available from companies such as Lifelock and others, none of these comp anies protect you from identity theft,” warned Weisman. “They merely alert you to identity theft sooner than you would otherwise become aware of the problem and while that it is important, freezing your credit can actually prevent many instances of identity theft.”You could also look at a credit lock. How does that differ from a credit freeze, you might ask?“One difference is the simplicity,” Lavelle explained. “It’s easier to lift a credit lock than it is to lift a credit freeze. Once you freeze your credit report with the three credit report bureaus, you can only unfreeze it through the use of a PIN. Once you lock your credit report, you can unlock it at any point, instantly, via your computer or mobile.Another difference is the cost associated with each service. The credit freeze doesn’t cost the consumer. The credit lock service has a monthly fee, typically of $20. Finally, a credit freeze offers a legal advantage over a credit lock. State laws govern and mandate credit freezes whereas a contract between the consumer and the credit bureau mandates credit locks.”And a credit freeze also offers protection that a fraud alert does not.“A fraud alert only lasts for 90 days, and the bad guys can still access your credit file and apply for new credit,” warned Siciliano. “This informs a creditor that you might have had your ID stolen, but they can still, and do, issue credit. At their best, fraud alerts simply notify lenders that something might be going on with your identity. It’s really just a false sense of security.”Hopefully, you now have a sense of what freezing your credit means and why you should do it. Now even if you’ve been exposed to a risk of identity theft, you don’t have to lose your cool. To read more about keeping your finances safe from potential scammers, check out  these related posts and articles from OppLoans:10 Tips to Protect Your Money for Cyber Security Awareness MonthNever Trust and Always Verify: How to A void Getting Scammed Over Email10 Common Scams: How They Work and How to Avoid ThemDating App Dangers: 7 Tips to Avoid Getting Scammed by a Fake RomanceWhat other questions do you have about fraud protection?  Let us know! You can find us  on  Facebook  and  Twitter.ContributorsAustin Grandt is the founder of  Financial Toolbelt (@fintoolbelt), a site that helps millennials understand and improve their finances. He is also a software developer passionate about building tools that build financial literacy.Justin Lavelle  is a Scams Prevention Expert and the Chief Communications Officer of  BeenVerified.com (@BeenVerified). BeenVerified is a leading source of online background checks and contact information. It helps people discover, understand and use public data in their everyday lives and can provide peace of mind by offering a fast, easy and affordable way to do background checks on potential dates. BeenVerified allows individuals to find more information about people, phone numbe rs, email addresses,  and property records.Robert Siciliano  (@RobertSiciliano) is a #1 Best-Selling Author and CEO of  Safr.Me.  Safr.Me is funny  but serious about teaching you and your audience fraud prevention and personal security. Robert is a United States Coast Guard Auxiliary Flotilla Staff Officer of the U.S. Department of Homeland Security whose motto is Semper Paratus (Always Ready). His programs are cutting edge, easily digestible and provide best practices to keep you, your clients and employees safe and secure. Your audience will walk away as experts in identity theft prevention, online reputation management, online privacy and data security.Steve Weisman  is a lawyer, college professor at Bentley University and author.  He is one of the country’s leading experts in identity theft.  His most recent book is “Identity Theft Alert.”  He also writes the blog  Scamicide.com  (@Scamicide)  where he provides daily updated information about the latest scams and identi ty theft schemes.

Amy Beach (Mrs. H. H. A. Beach)

Is Matter A Big Controversy - 1653 Words

Introduction Definition of matter was a big controversy in science. Approximately two and third millennium ago, the Greek philosopher Aristotle (384 BC -322 BC) wrote that matter consist of fire, wind, earth and water and that different compounds are obtained by different combinations of these elements (Laycock, 1979). Around 2000 years after that and through many contributions from many scientists, William Odin categorised the elements based on their atomic number and stated that these elements combine with one another to create different compounds (Scerri, 2007). At present, around 100 elements react with one another to form thousands of known and unknown compounds. However in the last century, it was found that these elements and compounds only represent 4.9% of the universe. The other 95% is dark matter (26.8%) and dark energy (68.3%) (Francis, 2013). This means that scientists spent more than two millennia trying to understand the smallest portion of the universe. Hence, scientists are new t o the concept of dark matter and dark energy. So what is dark matter and dark energy that represent the majority of the universe and what are the theories that illustrates their behaviour in the universe, causing dark matter and dark energy be accepted hypothesis to explain the different observation? Figure 1 shows how small the ordinary matter is in the vast universe Dark Energy In the eighteenth century, Immanuel Kant proposed that there could be other galaxies and systems likeShow MoreRelated the rookie Essay1158 Words   |  5 Pagesthat is based on the life of Jimmy Morris, an ex-major league baseball player. The subject matter of the movie was to never quit; try, try again or at least until you reach your goal. This film inspires the person to fulfill their dreams no matter how impossible they may seem. nbsp;nbsp;nbsp;nbsp;nbsp;There were not many major characters in this movie, but all played an important roll to the subject matter. 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This articles speaks about the uproar of the African Americans about the decision to have a white man play the artistic icon of African American culture, MichaelRead MoreSamantha Lewis. Mrs. Coufal. Composition Ii. March 27,1360 Words   |  6 PagesSamantha Lewis Mrs. Coufal Composition II March 27, 2017 Outline Thesis: I believe gun ownership should be harder to obtain because of the numerous amount of controversies of gun ownership. Introduction (Explanation/Issues) Significance in society today(ethos) Paragraph of First Evidence Opposing viewpoints (don’t argue for them just identify their side of the issue and explain their constraints) Common Ground the opposing side can find. Conclusion (give some pathos) Samantha Lewis Mrs

File Processing Commands Free Essays

What UID and PID have the highest amount of physical memory a process has used and is not swapped out? Show all processes and full output. †¢ top press f press d press p You’ll will find cpu usage in descending order for all processes. †¢If using a long listing and no process modifiers, what is the swap space amount for the bash command? †¢ top -p pidof_bash After typing the above command press A (Capital a). We will write a custom essay sample on File Processing Commands or any similar topic only for you Order Now You will see the below output. 1 PID USER PR NI VIRT RES SHR S %CPU %MEM TIME+ COMMAND 2021 xyz 20 0 XXXXX XXXX 1664 S 0 0. 2 0:00. 43 bash PID PPID TIME+ %CPU %MEM PR NI S VIRT SWAP RES UID COMMAND 2021 2019 0:00. 43 0 0. 2 20 0 S 22132 16m 4952 1000 bash 3 PID %MEM VIRT SWAP RES CODE DATA SHR nFLT nDRT S PR NI %CPU COMMAND 2021 0. 2 22132 16m 4952 XXX XXXX X664 1 0 S 20 0 0 bash 4 PID PPID UID USER RUSER TTY TIME+ %CPU %MEM S COMMAND 2021 2019 1000 xyz xyz pts/0 0:00. 43 0 0. 2 S bash Above you can see the swap space. You can also try top -p pidofbash press f press p press enter You’ll see the swap space too. †¢When using top command, what command would you use to kill a process? †¢ Press k to kill a process If you were not using top command, what command would you use to kill a process? kill processid killall processname †¢What command would you use to manually mount the standard CD-ROM device /dev/db1 at /media/disk? mount /dev/db1 /media/disk †¢What command would you use to display the amount of available disk space on /dev/db1 in a human readable form? df -h /dev/db1 †¢Type in the command grep – – help to access the help manual. Using this information and the information from the text, how would you write a command to find the pattern 111 in a file called myfile. txt? grep -irna â€Å"111† myfile. txt How to cite File Processing Commands, Papers

Legality Of Abortion Essays (7249 words) - , Term Papers

Legality of Abortion Abortion must be a legal and attainable procedure for women throughout the United States. Abortion is a subject which easily fits into the themes of CORE 1. Abortion pertains to many issues which are involved in CORE 1. CORE 1 analyzes civil rights as well as equal treatment for women in America. Abortion challenges the civil rights of the mother and the fetus which she bears. To deny abortion is denying the mother certain civil rights, but if the fetus is considered a person, then the rights of the fetus are being denied by allowing abortion to be legal. Abortion has been an element of human life for centuries. It dates back to BC times. Ancient abortions usually consisted of mildly poisoning a pregnant mother. The poison was hoped to be just strong enough to kill the fetus, yet mild enough to keep the woman alive. Also, sometimes women would receive physical blows to their abdomen an effort to kill the fetus. Since both of these methods were very dangerous for women, infanticide was a much more popular form of abortion. Infanticide is grossly just the killing of the baby directly after birth (3 Gilbert). J. Gilbert, the author of an informative Texas state web-page, states that some time after 1750, a new procedure was introduced to abortion. The new procedure consisted of probing objects through the cervix and into the uterus of the women to accomplish the abortion (4 Gilbert). Laurence Tribe, author of Abortion: The Clash of Absolutes, states that the court case Roe v. Wade revolutionized the legality of abortion. The case set boundaries and regulations illustrating how much power the mother and state possess in deciding whether to abort a pregnancy (12 Tribe). During the past twenty-five years abortion has become one of the most debated controversies in the Unite States' history. The issues surrounding abortion strike questions based on ethics, morals, emotions, and law. There are many alternative perspectives from which people can approach the legality and morality of abortion. But basically there are pro-life people and pro-choice people. People who are pro-choice believe that women hold the right to abort a pregnancy, but people who are pro-life believe that abortion is wrong and unjust to the fetus. When pondering issues surrounding abortion, many questions come to mind. Is a fetus a human being? Is abortion physically and mentally safe for women? And finally, should abortion be legal? It is only after exploring these questions can a person justify their position on abortion. A major question which strikes at the heart of abortion legality and morality is: When is an embryo considered a life or human being? Many people argue that life begins at the point of conception. Bonnie Steinbock, an author who considers herself an expert on fetuses and their legal rights, says, Conception is the joining of the male and female sex cells which have twenty-three chromosomes each. The process of conception takes twelve hours, at which time the egg is completely fertilized and becomes known as a zygote. Distinct and unique characteristics of a person are determined at the time of conception. After the time of conception, until death, nothing will be added or removed from the genetic make-up of an individual (200 Steinbock). In other words, everything physically and chemically is determined shortly after the point of conception. Being alive means that an object grows, develops, and matures. A zygote, from the time of conception grows, develops parts of its body, and replaces its own dying cells. The heart of the zygote begins beating just eighteen days after conception (198 Steinbock). This is often well before the mother even realizes that she is pregnant. After three months, all of the fetus's organs are formed and all of the bodily systems are working. The fetus can swim, grasp a pointer, move freely in the womb, and excrete urine. If a doctor injects a sweet solution into the fluid surrounding the fetus, the fetus will swallow it because it likes the taste. If a bitter solution is injected, the fetus will realize the taste and quit swallowing (196 Steinbock). The previous examples are evidence enough that life begins at conception, or at the time the fetus's heart begins to beat. Others believe that the life of the fetus is just merely the life of the woman until the fetus is born. Those people who believe that life does not start until

Investment Portfolio Essay Example

Investment Portfolio Essay Example Investment Portfolio Essay Investment Portfolio Essay Investment Portfolio Name: Course: Institution: Instructor: Date: Investment Portfolio The investment portfolio would take more than seven years considering there are bonds that will mature after 10 years. Therefore, the time horizon for this project would be in the long term. Although other investments such as securities are within seven years, the bonds make the investment a long-term project. The investment experience for this project can be described as extensive considering the time horizon as well as the investment portfolio itself, which combines several investments in the long term. With securities and bonds that go for more than seven years, the investment can be describes as extensive (Goldie Murray, 2011). Additionally, it is an investment by the same person, meaning the portfolio is diversified making it extensive. I do not intend to withdraw retirement savings for non-retirement expenses. This raises the risk of having no retirement savings in the end. Therefore, I would prefer leaving the retirement savings untouched and exploit other means. I would consider retirement savings to be a future investment, and should not be withdrawn since it means having no savings at the end. However, if it is an investment withdrawal likely to earn more, I could consider withdrawing. In case of an emergency, my long-term investment would last for quite some time if the emergency were not solved by short-term investments. My long-term investments would last for more than a year, about two years in the event of a significant amount of emergency. The monthly income used for paying up the installment debt is between 25% and 50% per month, which does not include the mortgage. The installment debt does vary with the variation of interest rate in the market but does not exceed 50% of my salary. In the future, about five years from now I expect that my salary and earnings will be able to grow and exceed the inflation, considering the investments I have made. As I expect my investment to grow within the five years, I would also expect my earnings to exceed the inflation rate or grow faster than the inflation rate within the five-year period (Goldie Murray, 2011). I could be ready to take some risks for my investment in order to exceed the inflation rate. Currently, the investment is likely to exceed the inflation rate in the future. However, if it would require taking more risks, I would take some, but not to a big extent. During steep decline in the equity markets, many people or investors are under pressure to sell their investment. At this time, the equities sell at a cheap price. Therefore, I would see it as a chance of increasing my investment by buying more equities. Therefore, after a steep decline, I would be comfortable, and see it as a chance of buying more equities (Hagin, 2004). If I had $100,000 invested and lost 20%, which is $20,000, I would see it as an investment opportunity and buy more since many investors would sell cheap at that time to avoid further loss. I would probably hope they would gain in the future, when I shall have some profit. However, if the investment dropped by another $12,000, which is 15% loss to make it 35 in total, I would still hold on and wait for them to gain. Selling the entire investment would mean a bigger loss than waiting for them to gain and earn some earnings. References Goldie, D. C., Murray, G. S. (2011). The investment answer: Learn to manage your money protect your financial future. New York, NY: Business Plus. Hagin, R. (2004). Investment management: Portfolio diversification, risk, and timing–fact and fiction. Hoboken, N.J: Wiley.

The Three Restauranteers

The Three Restauranteers The Three Restauranteers The Three Restauranteers By Maeve Maddox A reader asks about a word that means â€Å"a person who owns and manages a restaurant†: I recently saw the term restauranteer on someones resume. Ive heard of musketeers, and even mountaineers; but I thought restauranteurs and connoisseurs were in a different category? The reader may be surprised to know that the Word spellchecker flags both restauranteer and restauranteurs as misspellings. The standard form is restaurateur. The suffix -eer is an Anglicized form of the French suffix -ier. It is used to form nouns denoting persons. For example, French canonnier gives English cannoneer; French muletier gives English muleteer. The usual sense of such nouns is â€Å"one who is concerned with† or â€Å"one who deals in.† Some French borrowings retain the -ier in English, for example bombardier, brigadier, cashier, clothier, courier, and chocolatier. The suffix -eur is a French suffix unchanged in English. Its usual use is to form agent nouns from verbs, for example: amateur, one who does something for the love of it. connoisseur (from Latin cognÃ… scÄ•re, â€Å"to know†), one who knows, especially about matters of taste. provocateur, one who provokes a disturbance. raconteur (from French raconter, â€Å"to recount, tell†), one who tells stories. restaurateur, one who owns and manages a restaurant. saboteur, one who commits sabotage. secateur, something that cuts. All three forms- restaurateur, restauranteur, and restauranteer- appear on the Ngram Viewer, but restauranteur is close to the bottom of the grid, and restauranteer is barely a blip. The Chicago Manual of Style points out that restauranteur may appear in some dictionaries without being an example of good usage. The Associated Press Stylebook lists restaurateur as the only spelling. The reader who asked the question also asks to know how to remember the correct spelling. Perhaps this will help: Restaurateur begins like restaurant, but does not include the n, and it ends with the suffix -teur. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:English Grammar 101: All You Need to KnowUse a Dash for Number RangesHow to Send Tactful Emails from a Technical Support Desk