Come on, admit it. Don’t you feel just a little satisfaction watching 37 million adulterers exposed in the Ashley Madison hack? “They do kind of deserve to be cheated just a bit for being cheaters,” someone in one of my keynote speeches commented.
Product Review: Are identity theft monitoring services worth it?
Yes, identity theft services can be well worth the investment, especially if you ever become a victim. Imagine that your Social Security number is part of a national breach like Anthem or the Office of Personnel Management. Or it’s stolen out of your tax preparer’s office, scavenged from your trash or skimmed from your iPad as you surf on a free Wi-Fi connection. In most cases, you have no idea that your digital identity has fallen into unethical hands, usually those of organized crime, who replicate and resell it in seconds.
You’ve made it home safely after braving gastronomic adventures at greasy spoons, drinking from questionable water sources, and surviving white-knuckled taxi rides. Now, post those vacation pictures on social media and wrap up the loose ends of protecting your identity.
Monitor Your Accounts: Shortly after you return from your travels, pay special attention to your account statements to make sure that nothing out of the ordinary appears. If a credit card number or bank account number was stolen during your trip, this is how you will catch it early and keep it from becoming a major nightmare. Contact your provider and alert them to the breach immediately.
Get a credit report: Hopefully you’ve monitored your accounts throughout the trip. When you get home, request a report at www.annualcreditreport.com. Check your credit report for any suspicious activity. Even if you don’t see any unfamiliar transactions, that still doesn’t mean you’re safe.Identity thieves are known to take their time and act when you least expect it, so continue monitoring!
Welcome to the third (and longest!) part of our four-part series on travel safety. We’ve covered “Planning Your Trip” and what to do “Before You Go” Today we’ll go through the many important things to consider while you’re “On the Road”. Be sure to check back tomorrow for our final installment of what to do “When You Return”.
1. Travel Light:
If you don’t have to take it with you, increase your safety and leave it at home. This includes:
Checkbooks: Do not carry checks or take only one or two for an emergency, placing them with your cash in your money belt. Checking account takeover is one of the simplest crimes to commit and one of the most devastating types of financial fraud from which to recover. The easy alternative? Use a credit card or cash.
This is part two of our four-part series on travel safety. Yesterday we covered “Planning Your Trip” and in the next few days we’ll discuss “On the Road” and “When You Return”. For today, we’ll look at steps to take after your trip is planned, but before you go.
Photocopy the contents of your wallet/documents: Or make a list of all the contents and all your travel documents to carry with you in a protected place as you travel. It’s also a good idea to leave a copy at home with a trustworthy person whom you can contact. It will save you hours of frustration if anything is lost or stolen.
Protect your accounts: Place a travel alert on your credit card accounts so the bank will know why charges from some lovely resort are suddenly showing up. You can also freeze your credit so no new accounts can be opened while you are away. Finally, turn on automatic account alerts on your credit card to easily monitor all transaction (via smartphone) without having to look at statements.
Today I begin a four-part series on travel safety to protect your identity before during and after your trip. I’ve tried to make this series comprehensive for all stages of travel. Today we’ll cover Planning Your Trip , to be followed in days to come by: Before You Go, On the Road and When You Return.
While you may be aware of the basics, the lists in these blogs show you how to think like the criminals think. Be proactive and outwit them at their own game!
Use a legitimate agency: Verify the business you are booking your trip through. If you are going to use a travel agency or online booking company, make sure they are authentic first. Go online and do your research – if people have been swindled before by the company, the Internet is the first place they will go to vent. You can even ask the company for references so you can check up on some satisfied customers. Also, investigate the travel companies with the Better Business Bureau (www.bbb.org) and the attorney general’s office in the state where the company does business. (www.naag.org).
When you read an account of the devastating “Black Death” Plague that spread across Europe and Asia in Medieval times, it’s impossible not to be awed by the statistics. In just five years, one-third of Europe’s population, 25 million people, were dead. It hit so fast and so unexpectedly that people were unable to protect themselves. As one writer summarized, “A terrible killer was loose across Europe, and medieval medicine had nothing to combat it.”
While experiencing medical identity theft isn’t always as devastating as dying from the plague, it’s easy to draw some parallels.
Both affect people in such a way that they are completely unaware of it until it is often too late? Check.
It can spread unexpectedly fast? Check.
The victims are not limited to one group, whether by country, age, race, or socioeconomic class? Check.