Pat Barnett
 

 
My Houses Unlimited Pat Barnett Your Trusted Real Estate Advisor


Pat Barnett

Identity Theft


Is Your Identity at Risk?
Tips For Preventing Identity Theft

How can someone steal your identity? Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. Identity theft is a serious crime.

People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their good name and credit record. In the meantime, victims may lose job opportunities, be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.

The Identity Theft and Assumption Deterrence Act of 1998 allows victims of identity fraud the right to file police reports and to recoup damages. It also appoints the Federal Trade Commission (FTC) to serve as an advocate for victims by assisting them with finding the right law enforcement agency to prosecute their case.

If you think your identity has been stolen, here's what to do:

1. Contact the fraud department of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge.

2. Close the accounts that you know or believe have been tampered with or opened fraudulently. Create an Identity Theft Affidavit when disputing new unauthorized accounts.

3. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.

4. File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.

 

 


Basic Series


BASICS SERIES
Insurance Basics
A plain-English
guide to each
type of insurance
you need.
Let's begin.
Life insurance
Auto insurance
Home insurance
Health insurance

Gas Saving Tips


Low tire pressure, poorly-maintained engines, inefficient driving and planning, and hauling extra people and gear are common culprits leading to low fuel economy no matter what kind of car you drive.

Getting the most miles per gallon is easier than you think, and it doesn’t necessarily require the purchase of a more fuel-efficient vehicle. Think about it: If that Mustang GT is paid off, buying a new Toyota Corolla is going to take a bigger chunk of change out of your pocket than any gas pump will. But whether you drive a V8-powered pony car, a high-MPG econobox, or a hybrid model that runs on the battery part of the time, the majority of cars, trucks, and SUVs on the road today require the use of unleaded fuel to get on down the highway. These tips will help maximize the distance you can travel on any given tankful and save you money at the pump.

• Check your owner’s manual to find out what fuel octane-rating your car's engine needs, then buy it. Resist the urge to buy higher-octane gas for “premium” performance. Octane has nothing to do with the gasoline’s performance, just its volatility factor in the combustion chamber. The higher the octane, the more stable the gas in the combustion chamber environment. Why do high-performance vehicles need higher-octane fuel? Because the combustion chamber environment is much hotter in the performance engine. Using high-octane fuel reduces pre-ignition in the upper regions of the combustion chamber, which can damage valves and pistons if allowed to go for long periods of time. Experts from the Automobile Association of America (AAA) say that about five percent of the cars sold in the U.S. require premium gasoline. Yet premium gas accounts for 20 percent of all gasoline sold. Check your owner’s manual for the recommended octane rating and stick to it.

Keep your tires inflated to the proper levels. Properly inflated tires suffer less rolling resistance and therefore can improve fuel efficiency by making it easier for your car to move down the road. Under-inflated tires will make it harder for your car to move down the road, which means your engine uses more fuel to maintain your speed. A single tire, under inflated by two pounds per-square-inch (PSI), increases fuel consumption by one percent. To illustrate the point, deflate your tires by five PSI and try to push the car. It’s not easy. Now inflate those tires and see how pushing the car is much easier. Check your owner’s manual or the decal in your car’s doorjamb for correct inflation levels.

• Make sure that you change the oil and maintain your car’s powertrain according to your owner’s manual. This will ensure that your car’s engine will operate at maximum efficiency, thus providing the best fuel economy. Dirty air filters, old spark plugs and low fluid levels can affect engine performance and fuel efficiency. A properly-maintained engine uses less gas.

Consolidate your errands so you can do them all in one trip. This will cut your total miles driven. Many people drive back and forth between destinations. Plan ahead. Set up your errands in succession and save gas.

Modify your driving habits. Public roads are not racetracks. Don’t race up to red lights or stop signs, avoid quick “jackrabbit” starts, and stop goosing the throttle to jump into holes in traffic. A car uses more fuel under hard acceleration. And if you own a “full” hybrid vehicle that can operate at low speeds on the battery pack, this is especially important. The more you depress the accelerator, the more demand you make on the hybrid powertrain, and the earlier the gasoline engine will kick in and start consuming fuel.

Avoid high speeds on the highway. As your speed increases, the aerodynamic drag increases in exponential fashion, so the engine works harder to maintain your speed and move the car through the atmosphere. The harder the engine works, the more fuel it uses. Driving 62 mph instead of 75 mph can reduce fuel consumption by as much as 15 percent. This is one reason why some hybrids get lower fuel economy on the highway than in the city.

Lighten the load. Don’t haul unnecessary weight in the passenger compartment or trunk. Heavier vehicles use more fuel.

Use the A/C sparingly. The air conditioner puts extra load on the engine, forcing more fuel to be used. On average, a car operating with the air conditioning engaged uses about 20 percent more fuel.

Keep your windows closed. Open windows, especially at highway speeds, increase aerodynamic drag and the result is up to a 10 percent decrease in fuel economy. If you must have fresh air coming into the vehicle, run your climate system on ‘outside air’ and ‘vent’, and crack the window for additional ventilation.

• Consider getting a tonneau cover for your pickup truck, as this will help to minimize drag over the cargo bed and allow the vehicle to slip through the air stream more efficiently.

Use your cruise control. Maintaining a constant speed over long distances saves gas. The next time you drive without cruise engaged, note how your speed creeps up and down. Constant deceleration, followed by acceleration, uses more fuel. The cruise control feature keeps your speed constant, saving gas (and maybe a speeding ticket, too).

Avoid long idling. If you anticipate being stopped for more than one minute, shut off the car. Restarting the car uses less fuel than letting it idle. For most hybrids, this is not an issue, because the gasoline engine automatically shuts down when the car is stopped, and the accessories – such as the air conditioning, lights, and stereo – operate off the juice stored in the battery pack. This is also one reason that hybrids often get better fuel economy in the city than on the highway – the gasoline engine is shut off when idling in traffic.


Credit Fraud


Advantages Disadvantages
Limits access to your credit report.
Credit report remains in lockdown until consumer removes it.
Usually free to identity theft victims, if available in victim's state.
Relatively cheap (approximately $10) for nonvictims in eligible states. Prices vary by state.
Freezes not instantaneous, may take several business days to process.
Don't halt all types of fraudulent activity. A thief could still run up charges on existing accounts.
Depending on state law, you generally must contact each credit bureau to freeze all reports.
Not available in every state.
Consumer must pay to lift freezes to obtain new credit and refreeze.
Advantages Disadvantages
They are free.
Let lenders know a thief might have stolen consumer's identity.
No charge to remove them.
Consumer can continue to obtain new credit.
Alerts are automatically sent to all credit bureaus after consumer places fraud alert with one.
Free credit report provided from each of the three credit bureaus after placing initial alert.
Remove consumer from prescreened insurance and credit-offer lists for two years.
Must have suspicion of identity theft to place fraud alert.
Don't require the lender to contact you if someone applies for new credit in your name.
Don't stop lenders from granting credit to an imposter. Fraud alerts merely ask lenders take extra steps to verify the person applying for new credit or contact you for permission to extend credit.
An initial alert only lasts 90 days, after which it must be renewed or a request for extended alert, which lasts seven years, must be made.
Might adversely affect ability to rent apartment, obtain employment or obtain instant credit.
Home  |  Our Listings  |  Home Search  |  Mls Listings  |  Home Evaluation  |  Calculators  |  Buying  |  Selling   |  Welcome to Georgia  |  Schools/N Atl Map  |  Contact Me  |  Home Improvement  |  In the News  |  Search MLS Listings
 
Privacy Policy  |  Site Map  |  Links  |  For Agents  |  Profile  |  Login

©2005-2009 Houses Unlimited, Inc