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Good Advice

by admin - 2002-09-22 - ( life / help / advice )

Good adviceRecommended reading and action.A corporate attorney sent the following out to the employees in his company. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your check book they will not know if you sign your checks with just your initials or your first name but your bank will know how you sign your checks. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box use your work address. Never have your SS# printed on your checks (DUH!) -- you can add it if it is necessary. But if you have it printed, anyone can get it. Place the contents of your wallet on a photocopy machine, do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. I also carry a photocopy of my passport when I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a name, address, Social Security number, credit cards, etc. Unfortunately I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thieve(s) ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more. But here's some critical information to limit the damage in case this happens to you or someone you know: We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them easily. File a police report immediately in the jurisdiction where it was stolen, this proves to credit providers you were diligent, and is a first step toward an investigation (if there ever is one). But here's what is perhaps most important: (I never even thought to do this) Call the three national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit. By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them in their tracks. The numbers are: Equifax: 1-800-525-6285 Experian (formerly TRW): 1-888-397-3742 Trans Union: 1-800-680-7289 Social Security Administration (fraud line): 1-800-269-0271 We pass along jokes on the Internet; we pass along just about everything. Pass this information along. It could really help someone you care about.   THE FOLLOWING IS A CHINESE GOOD LUCK TANTRA TOTEMONEGive people more than they expect and do it cheerfully. TWOMarry a man/woman you love to talk to. As you get older, their conversational skills will be as important as any other.THREEDon't believe all you hear, spend all you have or sleep all you want. FOURWhen you say, "I love you," mean it. FIVEWhen you say, "I'm sorry," look the person in the eye. SIXBe engaged at least six months before you get married. SEVENBelieve in love at first sight. EIGHT Never laugh at anyone's dreams. People who don't have dreams don't have much. NINELove deeply and passionately. You might get hurt but it's the only way to live life completely.TENIn disagreements, fight fairly. No name calling. ELEVENDon't judge people by their relatives. TWELVE Talk slowly but think quickly. THIRTEENWhen someone asks you a question you don't want to answer, smile and ask, "Why do you want to know?" FOURTEENRemember that great love and great achievements involve great risk. FIFTEENSay "bless you" when you hear someone sneeze. SIXTEENWhen you lose, don't lose the lesson. SEVENTEENRemember the three R's: Respect for self; Respect for others; Responsibility for all your actions. EIGHTEENDon't let a little dispute injure a great friendship. NINETEENWhen you realize you've made a mistake, take immediate steps to correct it. TWENTYSmile when picking up the phone. The caller will hear it in your voice. TWENTY-ONESpend some time alone.

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