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Identity theft, or identity fraud, once meant crooks were churning out fake credit cards. But as that became easier to detect, a more insidious crime has evolved: the creation of completely new identities.Known as “synthetic identity theft,” it involves fraudsters using a combination of fake information, such as a fictitious name, and real data, like a child’s Social Security number, to create fraudulent accounts.It is a growing problem, says Eva Casey-Velasquez, president and CEO of the nonprofit Identity Theft Resource Center.But the scope of the problem is difficult to determine because the crime can go undetected for years, she says. However, the rate of children’s identity theft was more than 50 times that of adults, according to a 2011 report by Carnegie Mellon University’s CyLab, which studied the identities of over 40,000 children. And that report was published before a change in the way Social Security numbers are issued made identity thieves’ work a bit easier. 1018

I am extremely disappointed in the passage of this punitive, short-sighted ordinance. Believing that ticketing and incarcerating homeless individuals will motivate them to pursue other options is naive and cruel. We will continue to advocate for the rights of the homeless to access public spaces and defend their civil liberties whenever any government seeks to restrict them. 385

If you’ve been thinking about buying a car, experts say now is the time to shop. Dealers are offering more incentives than ever before to get drivers back on the road, and because of the coronavirus, you can stay home and find a good deal.“It’s the way the world is going now,” said recent car buyer, Stephanie Given. “Everything’s online.”Given is an ICU nurse working on the frontline of the pandemic, and in the midst of the health crisis, badly needed a new car.“We needed that second vehicle, the more reliable vehicle that we knew would be reliable in this time,” said Given.Her nearly 15-year-old ride was giving out, but, walking in to a dealership made Given anxious. “I have been under a little stress in my work life and personal life, and I was kind of dreading the stress of buying a car,” she said.So, she started her search online. “I found the car online through the Carmax app, and I was kind of let down when I saw the car was in Las Vegas, and it was just a couple seconds and they said, ‘We can ship it to you,’ and I said, ‘What? That’s amazing!’” said Given. Not only did she find the car she was looking for online, she did all the paperwork at home. “I kind of had a hybrid experience. I did my part online and then came to the dealership to pick up and take possession of the car,” she said.Given’s experience is now becoming the norm. Dealers are making it possible to do everything, from shopping to financing, from your couch. Some dealers, like Carmax, will even drop off the car at your door.“We want to take the scary four-hour dealership visit that you’d expect, and allow you to do as many things as you want at home,” said Corey Haire, the Vice President of sales at Carmax.“You can do everything from a virtual walk around where they’ll walk around the vehicle with a facetime phone call and take direction from the consumer as to what they want to look closer at,” said Karl Brauer, an Executive Publisher at Kelley Blue Book and Autotrader.Brauer believes this new way of doing business is here to stay. “I think it’s proving more efficient on both sides,” he said.Brauer said the car industry is expecting to see a big bounce back through the summer and fall. “People are moving into more confident, purchasing mindsets,” he said.According to Brauer, new car sales are down by about 31% compared to spring 2019, but used car sales haven’t taken such a hit—down only about 6%.“I think there are a lot of people are thinking maybe they want their own personal vehicle in lieu of public transportation, but these people aren’t buying a car because they’ve dreamed of one or have wanted one, this is purely for functional purposes,” said Brauer.So if you’re looking for a deal, Brauer said the first step is research, and then, look for combined offers.“We’ve seen deals for 0% financing, which were getting pretty rare recently. We’ve seen deals like deferred payments for three to four months, but we’ve hardly ever seen both of those at the same time,” said Brauer. Some dealers are offering longer term loans too. “If you’re looking at a new vehicle, and one of these 0% 72 or 84-month loans are available to you, that’s real money you’re saving over that kind of time,” he said.If you want the new car smell without the new car price, check out a 2019 model. “They were going to be hard to sell anyways with the 2020 cars coming out, but now they’re even harder to sell with all the incentives going on for the new cars,” he said.Brauer reminds buyers that, with any purchase, make sure you’re financially ready. For Given, she said the car and the price were just right, and the online process sweetened the deal.“I do think it was a little bit of retail therapy. I did something for me during this time, and I needed to do that, but it also filled a need, so it was a win-win,” she said.Need help researching the best car for you? Visit resources HERE. For tips on the car buying process, click HERE. 3949

In another blow to its recovery efforts, an island-wide power outage left most of Puerto Rico in the dark, with only a fraction of residents regaining electricity by Wednesday night.The latest blackout prompted Gov. Ricardo Rossello to call on the Puerto Rico Electric Power Authority (PREPA) to cancel its contract with the subcontractor that caused the massive outage."I have suggested to the PREPA Board of Directors that they cancel the contract with the Cobra subcontractor who is directly responsible for this power outage," he said in a statement Wednesday.An excavator operated by D. Grimm, a subcontractor for Cobra Acquisitions, apparently caused the blackout, according to the authority. Workers had been removing a fallen tower when the machine got too close to an energized line and an electrical ground fault caused the outage, according to Mammoth Energy, Cobra's parent company.The same company was responsible for an outage that affected 870,000 customers after a tree fell on a power line last week, PREPA said."This is the second power failure that has affected the people of Puerto Rico in less than a week," Rossello said. "This incident denotes the need to transform PREPA into a cutting-edge, modern and robust corporation. This is another example of why Puerto Rico's energy infrastructure needs to incorporate new forms of power."As of 8 p.m. Wednesday, only 334,000 customers in the US commonwealth had electricity again, according to a tweet from PREPA. It also said via Twitter that it's working to restore service through the island. 1570

In a critical situation where minutes determine life or death, you may think emergency medical services offer your best chance of survival. However, a Johns Hopkins trauma surgeon doesn't think that's always the case.“If it were me, and I know a lot about trauma, drive me to the trauma center as fast as you can,” said Dr. Elliott Haut, associate professor of surgery and emergency medicine at the Johns Hopkins University School of Medicine and senior author of a new study that evaluates emergency transport for shooting and stabbing victims.Haut and colleagues examined data from trauma centers within the 100 most populous U.S. metro areas and compared ambulance versus private vehicle transportation and the relationship between transport-mode and in-hospital mortality. He was not surprised by what he saw.“Patients who are injured with penetrating trauma — so stab wounds and gunshot wounds, in urban settings, so these are in the City — have improved outcomes and improved mortality if they're brought to the trauma center by private vehicle compared to emergency medical services, EMS,” Haut said.The keyword is trauma center; not all hospitals are equipped to handle walk-in patients with these kinds of injuries. And they are injuries that require immediate surgery. The study does not cover cardiac arrest where the most important thing is CPR and a defibrillator.“When we control for all those things, the rapid transport of patients by private vehicle makes a big difference,” Haut said.According to the study, 62 percent of patients are less likely to die when transported by private vehicle compared to EMS.Dr. Gabe Kelen has seen many of these walk-in patients at the Johns Hopkins Hospital emergency department.“You're waiting, waiting, waiting, the ambulance people get there, they do certain things, very skilled, it's all being done out there. Then they load you up, drive through traffic, they get here, that can take twice as long. It sometimes really is better to get you here, let us start doing our more definitive thing that we can do only in the emergency department,” said Kelen, director of the emergency department.He agrees time is of the essence, but also cautions that this is one study.“If you get multiple people being dropped off at one of the smaller hospitals, they may not have the staff to do everything that a place like ours can do so let the system work,” Kelen said.The current standard of care in Maryland is to wait for EMS to arrive. Dr. Richard Alcorta, acting co-executive director of the Maryland Institute for Emergency Medical Services System (MIEMSS), does not support changing the standard.He says not everyone knows where a trauma center is located and EMS can perform certain life-saving procedures that may be crucial before transport. A spokeswoman with the Baltimore Police Department said they do not have a position on the study’s findings and that “preservation of life is paramount." She added that a victim's decision to leave a crime scene "has little if any bearing on the outcome of the investigation. Thanks to video surveillance, CCTV cameras and our crime scene technicians it all seems to work out in the end.” For more information on the study, click here. 3283

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