College Students Destroy Financial Future with Poor Choices
College is the perfect period of life to begin sound financial practices including protecting privacy. Not only are college students vulnerable, but they are impressionable and well positioned to learn strong habits that will last them a lifetime. As students launch into independence, we, as parents, hope to give them the best tools possible to insure a bright future. One of the most vital tools is to establish healthy habits that will guard their financial and personal identities for the rest of their lives. People ages 18 -24 are the least able to spot identity theft according to the BBB. That age group needed more than four months to realize someone had damaged their credit history or used their identity. By taking a few precautions, a young adult can avoid the crushing job of trying to recover from having given away the keys to their financial future, which is especially overwhelming while navigating life away from home for the first time.
Identity thieves don’t care a whit if the student has a dime – they just want a clean financial record in order to commit crimes using their credit and future buying power. Unfortunately, thieves are often someone the student trusts: a friend, dorm mate, co-worker, or someone who poses as a sanctioned person on campus. Identity thieves may use personal information to open credit card accounts, access financial accounts, rent an apartment or even commit larger cases of fraud, implicating the student. Here are some tips to get you and your student started down the road to protecting their financial future:
Supercookie Monster Eating Your Privacy for Lunch
You already know that every word you type on your browser is being tracked and used to profile and deliver highly-relevant advertisements to you (Big Brother Lives in Your Browser). And you know that most websites install “cookies” onto your computer in order to store relevant information about you (account numbers) that make surfing more convenient, and to gather information that allows advertisers to know more about you. You probably even know how to delete them.
But new research has shown that deleting cookies doesn’t always help. A new breed of cookies, called supercookies, can reconstruct all of your profile history even after the cookie has been deleted. MSN.com and Hulu.com just got caught using supercookies to track your surfing habits in stealth mode (you have no way of knowing that it’s happening, and you can’t do anything about it). The Wall Street Journal had this to say about supercookies and history stealing:
Hulu and MSN were installing files known as “supercookies,” which are capable of re-creating users’ profiles after people deleted regular cookies… The spread of advanced tracking techniques shows how quickly data-tracking companies are adapting their techniques… ["history stealing"] peers into people’s Web-browsing histories to see if they previously had visited any of more than 1,500 websites, including ones dealing with fertility problems, menopause and credit repair… Supercookies are stored in different places than regular cookies… | WSJ 8/18/11 | Supercookies on WSJ for non-subscribers.
Certified Speaking Professional – Sileo Earns CSP from National Speakers Association
I love my job as a keynote speaker. To be honored as one of only 570 Certified Speaking Professionals on the planet this past month was icing on the cake, and confirmation that we’d finally made it through that which almost destroyed our family.
Just a few years ago I thought I might go to jail for crimes that someone else committed using my identity. I lost nearly everything, including my business, my reputation and lots of money. Who would have thought then that all of the pain we experienced as a family would be turned into a highly satisfying career as an author and professional keynote speaker? Every day I get to go to work with the enviable conviction of empowering people to protect their privacy from identity theft, social media exposure and human manipulation. I get to steer people and corporations away from making the significant mistakes I did. It is vastly fulfilling.
And now, after five hard years on the speaking circuit, to be awarded the CSP by such highly accomplished peers in NSA, the National Speakers Association, satisfies me beyond words. If you’ve heard the details of my story and know how much it cost my family (I was basically absent in their lives for two full years), you’ll especially love how elegantly everything has come full circle. Sophie (my daughter, and the person who woke me out of my victim-induced stupor to become an author and a speaker), whispered to my row of supporters just as I was walking across the stage, “everyone stand up when dad gets his award.”
Sileo In the Media
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