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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

If it's been a while since you've booked a flight, travel insurance is that thing that pops up at the end of a sale.“At the end, they’re going to say, ‘Hey, this many people bought travel insurance, don’t you want to buy travel insurance too?’ And I think a lot of people generally, before COVID, would think, ‘Oh they’re trying to upset me and move along,’” said Michael Parrish DuDell, chief strategy officer for Couponfollow.com. “But what we’re seeing, in fact, is that more and more people are saying, ‘I want that insurance I want to protect my future travel.’"Couponfollow.com was designed, DuDell said, to save consumers both time and money. He says the company is always asking consumers about their money and how they spend it.“As we looked closer at how people are traveling, where they were spending their money, where they were allocating their time, we found these little niche interesting areas,” DuDell said.He says those areas include things like travel insurance.“What we found is that 75% of people who had already booked flights had purchased trip insurance. That was a staggering number that is a 55% increase than what is thought of as the norm,” DuDell said.So, why the increase? Travel anxiety amid the pandemic is likely a big part of it.“There is so much uncertainty in the world right now, and of course that’s around the pandemic, but there’s other kinds of uncertainty too and I think people feel like they’re taking a strong risk in general when they’re traveling,” DuDell said. "So if they can mitigate risk in other areas, they’re willing to do that, to spend the money behind it.”Leslie Tayne, a financial attorney, author and frequent flier said, “There are a lot of caveats to whether travel insurance for airline purposes makes sense right now and frankly because the airlines allow you to make changes without a cost and last minute, there’s really almost no reason why you would get travel insurance.”She says these days, airlines are more accommodating than ever. And because there's been so much industry disruption surrounding travel, the future is being rewritten now.“I definitely believe they’re going to rewrite the travel insurance, they’re being investigated right now,” Tayne said. “It's being taken up in Congress in terms of the validity of the travel insurance and there’s some concern that travel insurance might be what’s termed either a ‘scam’ or a ‘money-making proposition’ that’s not really beneficial to the consumer.”In March, the House Oversight and Reform Subcommittee on Economic and Consumer Policy launched an investigation into whether travel insurance provided any “meaningful protection” for consumers. The investigation was spurred amid the onset of the coronavirus pandemic, when many travelers were canceling trips as states began implementing stay-at-home orders.“The evidence shows consumers are purchasing standard travel insurance products, thinking they will be covered if they cancel their trip because of coronavirus,” Rep. Raja Krishnamoorthi (D-IL), the subcommittee’s chair, said in March. “Yet, companies like Allianz, Travel Guard, and Generali are refusing to cover those claims. In the process they are encouraging dangerous travel.”So, when it comes to whether you "need" that insurance, Tayne says weigh your risks, consider where you're going and what you'll be doing.“My recommendation is to try to understand what the restrictions are and what you could use the insurance for when would it apply to you,” Tayne said.Tayne said if you're in a situation where it makes sense, don't make an insurance decision on emotion. Think of it as a business decision, and these days, we're all in the business of saving time and money. 3719

I am pleased to inform you that, for the sake of accuracy in reporting, I am considering posting my interview with Lesley Stahl of 60 Minutes, PRIOR TO AIRTIME! This will be done so that everybody can get a glimpse of what a FAKE and BIASED interview is all about...— Donald J. Trump (@realDonaldTrump) October 20, 2020 327

If it's hard to understand how a service member could end up on the streets, listen to Chris Perry's story.“When I got out, my transition back into civilian life didn’t work out too well," Perry said. "I became homeless for about five or six years and kept getting into a lot of trouble."Perry battled addiction when he left the Marine Corps after eight years of service. He is an Iraq War veteran, who enlisted in the Marine Corps as soon as he could.“I joined when I was 17. My mama had to sign a paper to let me go in early," Perry recalled.When he left the military, he found himself lost in the country he swore to protect.“Honestly, I didn’t see any light at the end of my tunnel," Perry said.Finding that light can take a village, and for Perry, it's not a figure of speech.The tiny homes of Kansas City's Veterans Community Project are a unique approach to the all-too-common problem of veteran homelessness.Army Veteran Brandonn Mixon, who served in Afghanistan, is one of the founders of the Veterans Community Project, and he knows the challenges so many veterans face.“The most successful I’ve ever been was in the military. When I came back home, I couldn’t adjust. I couldn’t transition out of the military mentality back to the civilian-life mentality," Mixon said.The veterans who live in the village get to keep everything inside their tiny home, and the staff helps connect them with services so they can move forward.While some nonprofits may consider factors like whether a veteran looking for help was honorably discharged from the military to join this community, the promise at the core of service is what matters most.“By veteran, I mean, you raised your right hand, you took the oath to serve your country, you could have served one day or 100 years; you’re a veteran in our book," said Bryan Meyer, one of the founders of Veterans Community Project who served in the Marine Corps and was deployed to Iraq in 2003 and 2005.The tiny homes model is expanding nationwide. The Veterans Community Project broke ground on a new village in Longmont, Colorado.The expansion is important because each veteran, like Chris Perry who is now enrolled in community college, is now on the right path.“They got me to a point where there is no going back, so it’s just straightforward from here," Perry said.However, there are still people who took the oath to protect this country and living on its streets in need of help."I know there is a veteran who is sleeping on the streets. There is a veteran crying right now, wanting to commit suicide because there’s nobody who has his back. I’m not going to lie, we’re not going to be done until we find that veteran," Mixon said. "We save his life, we have his back, because he would do that for me, and I owe it to do it for him.” 2794

I cannot bring myself to include a link, because why give it more air? But that op-ed belittling Jill Biden, urging her to drop the Dr., mocking her research on community college, likening her degree to an honorary doctorate, is disgusting. 1/2— Melissa Korn (@melissakorn) December 13, 2020 305

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