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At this point, it might be inevitable. Some of you will have your identities stolen.Nearly half of Americans had their personal information exposed during a breach at Equifax, the company announced last week.And it's just the latest hack. Sensitive data on about 80 million Anthem customers was accessed in 2015.These breaches are some of the worst because the information stolen (names, Social Security numbers, addresses) can be used by an imposter to open accounts in your name, steal your tax refund or your Social Security check."This is a goldmine of information for a thief," said Chi Chi Wu, an attorney at the National Consumer Law Center.When your credit card number is stolen, it's easier to fix. You call the credit card company to close the card and get a new number. In most cases, you won't be responsible for the charges. Some of the victims of the Equifax hack did have their credit card numbers exposed. Equifax will notify you in the mail if this is the case.But the credit rating bureau won't notify you directly if you're one of the 143 million people whose more sensitive information was stolen. You must go online to EquifaxSecurity2017.com to find out.First of all, don't panic. If your information was compromised, it does not mean your identity was stolen. There are some steps you can take right now, like placing a freeze on your credit reports, to help prevent it from happening.And even if everything seems fine now, you should also continue to keep a close eye on your accounts and credit reports because your identity might not be stolen right away.If you do find out that someone has created a new account in your name, you'll have to prove that you didn't open the account and you might have to clear bad debt information from your credit report.It could be a long, messy process. Here's where to start:1. Go to IdentityTheft.gov to file an identity theft reportThis is important because it will provide you with a document you'll need to send to other businesses where fraudulent accounts were opened -- not because the government will start investigating your personal case.The form asks you questions about who you are and what accounts were impacted. It doesn't ask for any other documents or even your Social Security number, said John Krebs, an attorney at the Federal Trade Commission.The website will also provide you with a recovery plan after you submit the information. The plan will vary depending on what kind of accounts were created or hacked.2. Put a freeze or fraud alert on your credit reportsYou can request the three credit rating agencies to freeze your credit. This will prevent anyone from opening additional new accounts in your name. You'll have to request to lift the freeze if you want to open a new line of credit yourself. There are usually fees to freeze and unfreeze that vary by state, but generally range between and .If this is too much of a hassle, you can put a free fraud alert on your credit reports instead. This will require creditors to take additional steps to verify your identity before issuing credit.The fraud alert usually lasts for 90 days and can be renewed. But after you fill out the identity theft report online, you can request an extended fraud alert that stays on your credit report for seven years.3. Request, in writing, to close fraudulent accountsContact the fraud department (not customer service) at each business where a new account was opened in your name to explain that someone stole your identity and request that the account be closed.The FTC provides a sample letter you can use to dispute these accounts. Include a copy of your identity theft report. In some cases, the creditor may also ask for a police report, which you must file with local law enforcement first."The creditor will have a higher tendency to believe you if you have the police report," Wu said.Ask the business to send you a letter confirming that the fraudulent account isn't yours, that you aren't liable for it, and that it was removed from your credit report.Under most state laws, you're not responsible for any debt incurred on fraudulent new accounts opened in your name without your permission, according to the FTC.4. Dispute any fraudulent information on your credit reportIf a thief uses your identity to create a new credit card account, for example, it will end up on your credit report. But you have no control over that account. If the imposter doesn't pay the bills, it can seriously hurt your credit score.You'll need to write to each of the three credit rating agencies to request that they remove the incorrect information.The FTC provides a sample letter you can use to explain the situation.You should hear from the agencies in about 30 days on how they are handling the dispute, Wu said.5. Prevent future fraudOnce you've cleared up the situation, remain vigilant. Just because you've reported an incident of identity theft, it doesn't mean it won't happen again.Keep a close eye on all your statements. Consider enrolling in a credit monitoring and theft protection service. If you've already frozen your credit reports, you'll have to temporarily lift the freeze in order to enroll in a monitoring service, according to the FTC.You should also try to file your taxes as early as possible next year -- before someone else tries to use your Social Security number to steal you return, suggests the Massachusetts Attorney General.In addition to your Social Security number, Equifax says that your driver's license number may also have been exposed. In some states, you can ask the Department of Motor Vehicles to place a flag on your license number. This will alert law enforcement to be extra careful identifying a person they pull over, according to the Identity Theft Resource Center. 5795
As the Democrats kicked off Night No. 1 of its four-night virtual national convention, George Floyd’s brother Philonise Floyd spoke out against his brother’s death.Philonise Floyd led the convention in a moment of silence in honor of his brother and others who have died as victims of "hate and injustice.""George should be alive today,” Philonise Floyd said. “Breonna Taylor should be alive today. Ahmaud Arbery should be alive today. Eric Garner should be alive today. Stephon Clark, Atatiana Jefferson, Sandra Bland—they should all be alive today. So it's up to us to carry on the fight."While most of those named by Philonise Floyd died while in police custody, Arbery was killed in a shooting by civilians. Three Georgia men, Travis McMichael, Gregory McMichael, and William "Roddie" Bryan were charged in connection with Arbery's death. His death came to light after it took 74 days before anyone was charged in connection with his death. Preceding Floyd at the virtual convention was Muriel Bowser, Washington D.C.’s Democratic mayor who called out President Donald Trump for using federal agents to deploy tear gas on a crowd of Black Lives Matter protests. During the height of the protests, federal agents used tear gas to disperse a crowd moments before Trump emerged from the White House to visit a burned out church across the street from the White House.“Where we were peacefully protesting, Donald Trump was plotting,” she said. “He stood in front of one of our most treasured houses of worship and held a Bible for a photo op. He sent troops in camouflage into our streets. He sent tear gas into the air—federal helicopters, too. I knew if he did this to D.C., he would do it to your city or your town.”During Bowser’s remarks, Trump’s campaign panned Bowser for saying she was “proud” of protesters. While Bowser wouldn’t initially commit to removing a “Defund the Police” mural from a D.C. street, city crews have since paved over the mural. 1967
As schools discuss in-person versus online learning for fall, parents are weighing their options. Homeschool groups are seeing increased interest from parents across the U.S.“We are homeschooling,” said Karissa Yeager, a mother in California. “We have decided we're just going to pull them from public school for the year and home school.”Yeager is a mother of two, and she’s concerned about the possibility of putting her 7 and 4-year-old daughters through mandatory mask-wearing requirements, in addition to other rules that may come with in-person learning this fall.“Let's just keep them home and put them in social situations where they’re still going to get to be kids, instead of sending them to school. I just didn't want the new formation of school to be what they think about when thought about school,” she said.Yeager is not alone.“Parents in droves are investigating and committing to homeschooling for this upcoming school year,” Linda Maepa, a board member with the Homeschool Association of California, said.Maepa is no stranger to teaching her kids. “I'm a veteran homeschooling mom of three,” she said. “Homeschooling allows you to build a lifestyle around education, around a love of learning.”With many schools moving to an online model for at least the beginning of this school year, parents are looking into the differences between online and homeschooling.“It’s using everything at your fingertips, everything that's available to you, to use as a learning tool. Going to the grocery store, pulling cans of soup off the shelf and looking at the label, said J. Allen Weston, the executive director of the National Homeschool Association.“We've had problems for decades, maybe over a century now, of being able to keep kids confined to a desk for six to eight hours a day. Now, trying to pin them in front of a screen for that same six to eight hours a day is going to be a disaster."But online learning expert Leanna Archambault, an associate professor at Arizona State University, says online school doesn’t have to be that way.“It can be interactive. I think it's just limited to the creativity of the teacher and the families, but there is this misconception that it's just sitting in front of the computer all the time, which we know is not a healthy thing in any kind of setting,” Archambault said.She said homeschooling is more like an individual sport, where parents are curating and teaching their kids. “Versus the online learning where there's a curriculum developed by a team, the teacher is there as a facilitator, the parent is really there as a learning coach,” she explained. “Online learning would be more of a team sport.”Homeschoolers say that’s not always the case.“What we create is pods and that's groups of families that all work full-time,” Weston said. “They take turns hosting each other's kids.”“You will find your type of situation represented among all homeschoolers. So ask, join your local communities and ask,” Maepa suggested.Regardless of a parent’s decision, the school system has been disrupted, and Maepa says it’s impacting everyone. “Everybody is doing something very different than what they've been doing every day for their education for their families,” she said.Archambault says she sees this disruption changing the way education works in the future. “That we reevaluate this strategic blend of what works well online and what potentially works well face-to-face when we’re allowed to return, and moving forward I think there's going to be a blend,” Archambault said. 3541
At least two people were injured when an air duct fell from the ceiling at Kalahari Resort in Sandusky, Ohio, according to the Erie County sheriff's office.According to a 911 caller, a 25-foot section of the duct fell into a pool area.Went to kalahari for a fun day with my daughter and now we have to leave bc of the tubes fell pic.twitter.com/2S3j9M33q5— Phil is to sweet (@Philsmarshmalow) March 12, 2018 415
Asked whether President Donald Trump had ever used the N-word, White House press secretary Sarah Sanders would not definitively say, instead referring reporters to a tweet."The President addressed that question directly," she said, adding, "I've never heard him use that term or anything similar."The question comes as former aide Omarosa Manigault Newman has claimed there's a tape of Trump using the racial epithet on the set of his NBC reality show "The Apprentice" -- though there is no evidence such a tape exists.Trump tweeted Monday night: "I don't have that word in my vocabulary, and never have."Pressed specifically on whether any recording of the President using the racial epithet exists, Sanders said: "I can't guarantee anything, but I can tell you that the President addressed this question directly."She maintained that Trump is someone who is "fighting for all Americans," and that his policies are helpful "particularly for African-Americans," citing African-American unemployment statistics.Sanders also claimed Tuesday that Trump's description of his former aide as a "dog" had "nothing to do with race and everything to do with the President calling out someone's lack of integrity."The "dog" comment was one of many insults the President has used to describe prominent African-Americans, but Sanders insisted Trump insults people of other races as well."The President's an equal opportunity person that calls things like he sees it," she said. "He fights fire with fire." 1501