Equifax Breach Settlement July 29, 2019
In September of 2017, Equifax announced a data breach that potentially impacted the personal information of approximately 147 million people. Recently, a settlement was reached with Equifax which includes up to $425 million in monetary relief to consumers and some civil penalties.
If you are unsure whether you or a member of your family were impacted by the breach, you can check on the Equifax website dedicated to this incident. Should you find that you were impacted by the breach, you can follow the process outlined on their site to receive access to free credit monitoring, potential cash restitution, and identity restoration services.
Hey, That’s My Stuff! How to Avoid Mover Scams July 3, 2019
4,100 consumers filed moving fraud complaints in 2017, according to the Federal Motor Carrier Safety Administration. How can you avoid negative experiences? Be aware of common scams, and take steps to protect yourself from these fraudulent activities.
Get it in writing: It might be tempting to get a quick quote and schedule your move over the phone. Don’t do it. This is one of the easiest ways to get scammed. Since you have nothing in writing, the movers can easily charge whatever they want once they begin, and they may hold your belongings hostage until you pay an outrageous amount. Always schedule an in-house walk-through to get an accurate quote, and get the agreed-to amount in writing.
Read the fine print: When you sign a contract with a mover, read all the fine print. Make sure you understand the terms of payment before you sign. Unscrupulous movers may include terms that allow them to hijack your belongings after demanding more money. If you’ve signed anything that allows for these practices, the police will be unable to intervene.
Vet the movers: Before you agree to work with a moving company, research its reputation. Contact the Better Business Bureau to check the company’s rating. Ask for recommendations from friends. Read online reviews. Ask movers for proof of registration, proof of insurance and an office address. Take the time to vet the mover, so you know you are working with someone you can trust.
Try a hybrid approach: Consider renting and driving the truck yourself, and hiring movers for loading and unloading only. This will keep your possessions under your control to prevent hijacking scams. (It can also reduce the cost of the move!)
How to Outsmart Disaster May 14, 2019
The internet of things has taken home protection to the next level, empowering homeowners with new tools to keep their homes and loved ones safe. While homeowners might not be able to prevent every disaster, these innovative smart home features can reduce their risk.
With smart fire detectors, the homeowner can receive an alert via a Wi-Fi-connected device anywhere in the world. This can decrease emergency response time, potentially reducing damage to the home.
One of the most common homeowners insurance claims is water damage. Burst pipes and leaky appliances can cause extensive damage to a home. Smart leak-detection sensors can mitigate or even prevent these calamities. The sensor will alert homeowners immediately when a leak is detected, allowing them to take action to stop the water invasion.
Smart technology has enhanced security measures on many fronts. Homeowners can keep tabs on their property by monitoring video surveillance from anywhere, deter thieves with timed lighting, and use smart door locks to maintain tighter security of their entryways. Plus, affordable, wireless technology makes installing security systems easier than ever before.
Technology is becoming so prevalent that there are few items that aren’t available with smart features these days. Appliances offer improved safety and efficiency. Garage doors are better at detecting motion. High-tech irrigation systems can prevent over-watering and flooding. From attic to basement, homeowners can access a host of smart features to protect their homes and prevent insurance claims. Don’t hesitate to reach out so you can learn more about how you can prevent disaster in your home.
Be sure to ask a Forward Insurance Agent about any discounts you may be eligible for if your home is equipped with smart technology.
Protect Yourself from Gift Card Scam December 6, 2018
It is being reported that several old and reliable scams are circulating in the area. These have included email impersonations of executives requesting gift cards for the holidays, human resource record requests, payroll information changes, and fraudulent local sports fundraising campaigns.
With the holiday season these activities usually peak.
A few businesses in the area have fallen victim to this scam. We encourage you to advise your staff to watch the email addresses requesting gift card purchases and pay close attention to unusual requests from internal personnel, dealing with customers, and personally.
Be safe out there!
Correct Way to Dispose of Old Computers October 24, 2018
Getting rid of your old computer? You can ensure its hard drive doesn’t become a treasure chest for identity thieves. Use a program that overwrites or wipes the hard drive many times. Or remove the hard drive, and physically destroy it.
Understand Your Hard Drive
Computers often hold personal and financial information, including:
- account numbers
- license keys or registration numbers for software programs
- addresses and phone numbers
- medical and prescription information
- tax returns
- files created automatically by browsers and operating systems
When you save a file, especially a large one, it is scattered around the hard drive in bits and pieces. When you open a file, the hard drive gathers the bits and pieces and reconstructs them.
When you delete a file, the links to reconstruct the file disappear. But the bits and pieces of the deleted file stay on your computer until they’re overwritten, and they can be retrieved with a data recovery program. To remove data from a hard drive permanently, the hard drive needs to be wiped clean.
How to Clean a Hard Drive
Before you clean a hard drive, save the files you want to keep to:
- a USB drive
- a CDRom
- an external hard drive
- a new computer
Check your owner’s manual, the manufacturer’s website, or its customer support service for information on how to save data and transfer it to a new computer.
Utility programs to wipe a hard drive are available both online and in stores where computers are sold. These programs generally are inexpensive; some are available on the internet for free. These programs vary:
- Some erase the entire disk, while others allow you to select files or folders to erase.
- Some overwrite or wipe the hard drive many times, while others overwrite it only once.
Consider using a program that overwrites or wipes the hard drive many times; otherwise, the deleted information could be retrieved. Or remove the hard drive, and physically destroy it.
If you use your home or personal computer for business purposes, check with your employer about how to manage the information on your computer that’s business-related. The law requires businesses to follow data security and disposal requirements for certain information that’s related to customers.
How to Dispose of Your Computer
Many computer manufacturers have programs to recycle computers and components. Check their websites or call their toll-free numbers for more information. The Environmental Protection Agency (EPA) has information about electronic product recycling programs. Your local community may have a recycling program, too. Check with your county or local government, including the local landfill office for regulations.
Many organizations collect old computers and donate them to charities.
Some people and organizations buy old computers. Check online.
Remember, most computer equipment contains hazardous materials that don’t belong in a landfill. For example, many computers have heavy metals that can contaminate the earth. The EPA recommends that you check with your local health and sanitation agencies for ways to dispose of electronics safely.
This article and any information contained herein is intended for informational purposes only. The publisher will not be responsible for errors or omissions or any damages, howsoever caused, that result from its use.
Sources: Federal Trade Commission – Consumer Information