Musings Part 2 – Look to the Future

OK, All right! It truly is time to look to the future. It’s time to quit being in a funk. The election 2016 is long over.

The new Cabinet appointments are almost complete. I’m sure that the U.S. Senate will have a series of well publicized hearings.

It’s impossible to have regime change without a lot of hot air and hoopla.;That’s before the Senate majority rubber stamps the appointments.

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WHY??? – Election 2016

Why, The past

Why did I get caught up in the furor of the ranting and ravings of the presidential, way too long, election campaign?

Why did I waste so much time listening to pundits and reading polls that were so very wrong?

Why didn’t the scotch over ice make watching Tuesday night results more clear?

The Present

Reading the newspapers on Wednesday and yesterday morning gave me a headache with the conflicting results and the reasons for them.

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Credit Scores, a confusing mess

What is your credit score?

You actually have more than one credit score. Credit scores are calculated based on the information in each of your credit reports. Companies that you have an account with may not report credit related information to all 3 of the credit reporting bureaus

The information that each of the 3 credit reporting bureaus is different and the formulas or algorithms used to calculate your credit scores are different. Therefore your credit score from each of the companies will be different.

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Your Credit Report, Had a check-up lately?

What is a Credit Report?

Your Credit Report is a combination of your personal information, such as name, address, marital status, SS ID number, current and previous home addresses and number of dependents and other financial and public records.

It doesn’t include information that is not used for financial purposes such as race, religion and political affiliation.

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Identity Theft, part 2, Know Your Rights

The Identity Theft Problem

According to the U.S. Department of Justice an estimated 17,600,000 Americans were victims of identity theft in 2014 alone. I hope that you were not one of them. But, how would you know.

45% of those people became aware of the identity theft when contacted by their financial institution. 18% only found out when they noticed fraudulent charges on their monthly statements. The identity theft problem is growing and by taking reasonable precautions and educating yourself it can be slowed down. You need to know your rights and liabilities.

The first post in this series dealt with detecting and reporting identity theft. You can find that at http://lowertownstpaulmn.com/2016/08/identity-theft/

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FRAUDS AGAINST SENIORS – identity theft – Part 1

I found out about my own identity theft when the IRS notified me that someone had filed for my Federal tax refund before I did. Talk about a rude awakening. That was something that happened to other people, not me!

Going through that mess was something that I don’t want to repeat. Researching that situation has brought me to write this next series on “Frauds against Seniors.”

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11 Deep Web Search sites and Directories

How to find additional search sites and directories. There are many websites that serve as launching portals into the unindexed portion of the web. Looking back to http://lowertownstpaulmn.com/2016/08/what-is-the-invisible-web/ where we learned about the invisible web, we found that most of the regular search engines cannot get information from the invisible web. It requires a different approach.

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