How to Protect Yourself and Your Family From Consumer Fraud

< How to Protect Yourself and Your Family From Consumer Fraud

HOW TO PROTECT YOURSELF AND YOUR FAMILY FROM FRAUD (Also See PERSONAL HEALTH & SAFETY Below)

All Three Free Credit Reports are available with just one combined request.Federal Trade Commission requirement requires that says Equifax, Experian and TransUnion must provide free credit reports yearly. Toll free number will be provided.
• Living Trust - Do You Need a Living Trust? Probably!! Having a living trust can help protect you from fraud. It has provisions in it that help protect you when you are incompacitated.
NEVER give ANYONE your personal or business bank account information. If you feel that you "must," please call me before you do! You may be the victim of fraud.
Indentity Theft - Several clients have suffered terribly! Find out more here.
I bought a "Zapper" for reducing unsolicited telephone calls. IT WORKS. Radio Shack and other stores sell it.
Internet Fraud:How can you know that the website or email you are looking at is fraudulent?
Advance Fee Scams are widespread. DON'T PAY FEES IN ADVANCE TO STRANGERS.
Eight (8) websites about your personal privacy.
Federal Trade Commission - Straight Talk about Telemarketing.
Warnings about refinancing. Those unexpected costs!
Home Mortgage Insurance: Don't Pay For Unnecessary Home Mortgage Insurance
Effective July 1, 2002 ANY mailings to you (or from you to your customers) from any other businesses should not have your social security number on them unless "required for administrative purposes." This is to reduce identity theft by those who might steal from the US mail. Examples would be stock brokerage statements. I will still have to mail you tax related forms and inquiries that require your social security number.
Name change - The Social Security Department says that if your name changes, you need to advise them! This can be done on a form SS-5. When a client lets us know of their name change, we mail them the necessary SS form. If you are an employer, the Social Security Administration asks that you do not change your payroll records until your employee furnishes you with their new social security card.

PERSONAL HEALTH & SAFETY INFORMATION

Open enrollment for Health-Care - Help from Consumers Union.
List of 8 websites for information on Nursing Homes, Hospitals, & Doctors.
New national toll-free POISON CONTROL telephone number (800) 222-1212. This will connect you with the POISON CONTROL CENTER. But, if someone has collapsed or is not breathing call 911!
Three websites about childrens safety: www.safeamerica.org,www.getnetwise.org, www.safekids.com
GREAT information On Reducing Youth Violence!
California's HMO Regulator Website
Citizens For Right to Know. Includes approved drug lists of every health plan in the state.
Recent Earthquakes information

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