Samstag, 10. November 2012

TOP TIPS TO BEAT THE SCAMMERS │Design21


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In this article, we add another five -- making 10 in all -- with a particular focus on identity theft, the biggest scam of all.
By taking these simple precautions, you can substantially reduce the risk that you'll lose your money, your identity, or both, to the villains.
Before we get started, we suggest you visit last week's most popular articles from our other websites:
2 Easy Tips for Getting out of Holiday Credit Card Debt: Tips to remedy that holiday credit card debt you might find yourself in.
4 New Year's Resolutions to Help Prevent Identity Theft: Make some resolutions about how to prevent identity theft for you and your family.
Key Ways to Reduce the Photo Size of Your Images Using iPhoto (For Mac Users): A quick, easy way to reduce photo size with iPhoto, just for Mac users.
Winter Safety Tips that Could Save Your Life: Things you need to do to stay safe this winter, whether the storm of the century hits you or not.

Now, on with our tips list...

Tip #6. Protect your identity
Again, it may sound obvious, but you'd be amazed at how many people are careless with information that can be used by criminals to pass themselves off as their victims. For a start, that means taking special care of documents and other items you carry around with you -- like credit and health insurance cards. Keep them out of sight and out of reach. Never leave them in your car, and leave those you don't need, like your Social Security card, at home. Equally, don't be too generous with information about yourself on the Internet, especially on social networks liked Facebook, MySpace, LinkedIn and Twitter. Disclosing info like your address or phone number, your employer and your educational and career history, all provide valuable background for ID thieves.

Tip #7. Monitor yourself
In Tip #3 we mentioned the importance of checking the details of your bank and credit card statements to provide early warning of identity theft. Well, that's just the start of the whole process of monitoring the activities of those who keep records about you. You also should take advantage of your entitlement to get a free report on your credit rating once a year from each of the three major credit reporting agencies -- again so you can spot anything unusual. Also check out your medical and employment records and keep a close eye on your tax records -- all of these are used by scammers in building up stolen identities and, sometimes, even assuming the full identity of victims.  Sound like too much trouble? Don't have the time? Then consider enrolling with a company that will monitor your credit activities and issue an immediate alert if someone tries to pass themselves off as you…
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