Identity Theft - The Basics - Fraudwatchers

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WHERE IT BEGINS Identity theft has one basic component that has to be satisfied before the crime can take place - procurement of the potential victim's personal data. How can that data be obtained? Easily: Dumpster Diving - someone sifts through the trash you threw out in search of bank account statements, credit card receipts, personal correspondence, checks, pre-screened credit card offers, etc. Criminal Theft - your purse, containing credit cards, Social Security Card, a check book and other items carrying personal data is stolen. Third Party Security Breach - a government laptop goes missing; a bill payer system gets hacked; a scorned employee releases personal data of customers, etc. Computer Security Breach - a trojan horse is installed (either locally or remotely) on your personal or work computer; you click on a link that leads you to a website that only appears to be the one of the bank you do business at, where you input your username and password as well as other data. Social Engineering - you provide your personal data over the phone to a person who claims to be calling from your bank's fraud department; you are offered a vacation prize or a chance to purchase a cheap time share in exchange for your personal data; you receive a call advising you that your loved one is in a hospital and their data is needed to proceed with treatment. Business Fraud - a waiter copies information from your credit card while you're waiting for the receipt; a store employee takes down information from the personal check you just paid with. Advance Fee Fraud - you provide personal information and copies of identifying documents to someone who is pretending to have engaged in a business relationship with you, someone who told you that you are a beneficiary of a will, someone who claims to be representing a lottery, or maybe someone whom you're dating online. Online Presence - you post your personal information such as full name, address and\or phone number on your blog, social networking profile or website. HOW IT PROGRESSES Once the thief is in possession of your personal information, the game is on. Here's a few things an identity thief can do with your personal data: Take over your existing credit cards and other financial accounts. Open new credit card accounts. Open instant store credit accounts. Use your government issued ID to identify themselves. Have a forged (your data, their picture) ID made and use that for identification. Sell your data to someone else. Redirect your mail to an address of their choice. WHAT ARE THE CONSEQUENCES Let's examine the consequences of having had your identity assumed by someone else: Financial losses - The thief making away with your money and credit is just the beginning of financial losses. The costs of registered mail letters, stamps and long distance phone calls quickly start adding up. Some victims find themselves in need of securing legal counsel - fees for that can quickly go into thousands of dollars. Many victims, busy with clearing their name, are forced to take unpaid leave from work to deal with the situation. Emotional distress - ID Theft is an emotionally impactive crime. Many victims report that they feel as if their whole existence has been taken away from them. Criminal Law issues - Criminal ID Theft occurrs when the person who assumed your identity uses it when dealing with Law Enforcement. If the thief is arrested on an unrelated charge and provides your identity instead of theirs, the charge will in effect end up on your record. It is difficult (and sometimes impossible) to get the record of criminal charges straightened out - as a result, some victims of ID Theft live in a constant fear of being arrested for a crime they did not commit, but which is still present on their record. Time investment - Clearing your name is extraordinarily time consuming. It requires tight recordkeeping, as well as large amounts of letters to document your case and identify fraudulent records. Many victims of ID Theft report that trying to clear their name has become a full time job to them. Civil Law issues - You may find yourself a respondent in a debt collection lawsuit for a debt that the thief incurred but which is still linked to your name. Debt collection issues - You may face debt collections calls and letters. Some unscrupulous debt collectors will contact you even though they are fully aware that you are a victim of ID Theft. Identity Theft is a crime de jour. Make sure you are aware of how it can start, how it goes on and where it ends.

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Food and the Fabulous ? Bacon and Broccoli Chilli Pasta ? Budget ...

Bacon and Broccoli Chilli Pasta ? Budget Meals for Woolworths MasterChef SA Week 10

Budget isn?t the most exciting word. In fact it can be quite depressing and brings to mind all kinds of limits. And Angela Merkel. Yes, far from exciting. However, all of us have to reign in the spending and the world is experiencing one of the most severe economic crises of our time. I am currently in Europe and having just spoken to a range of people in Athens, it brings home more than ever, the severity of the?situation?felt by people all over.

When Woolworths gave me the challenge of preparing a meal for four for R150, a ?budget? meal, I knew three things should into play so that the eater (and the cook) would not feel deprived in any way:

1. Flavour. ?For the main meal I used pasta which is usually a?cupboard?staple and bacon which affords lots of flavour even if you use a little of it. Onions are browned to add depth and chilli gives you a satisfying spice-injection. Broccoli isn?t just nutritious, it also adds some crunchy texture.

2. Easily available ingredients. Everything for this meal should be available at your local supermarket. The worst thing when considering the pennies is to have to go from shop to market to deli to find the ingredients for supper. The instinct then is to opt for cheap, non- nutritious take outs. Leave the leisurely food shopping for when the wallet and the clock allows. I assumed that the cook in this instance is preparing a meal on a busy week day, so I created a quick, easy but nutritious meal.

3. A treat. Even though you?ve had to carefully consider the spend, you can still serve a?refreshing?drink (home made iced tea in this case) as well as dessert. What?s not to love about that?

Cooks Notes

I have assumed that reader would have salt, sugar and vegetable stock liquid or cubes in the grocery cupboard as well as a lemon and an egg in the fridge.

If you prefer, substitute the bacon with a chicken breast or piece of steak pan fried and cut into very thin strips.

If you prefer a vegetarian option, use one large aubergine, cut into slices and pan griddled instead of the bacon.

On a day that you have more time, buy one pack of beef or ostrich mince instead of bacon (relatively same price as the dry cured bacon I purchased) and brown with the onions and slow cook with the tomato, adding water as needed for a bolognaise sauce. Leave out the?broccoli?or add a can of barlotti or red kidney beans towards the end of cooking to bulk the dish up.

?

Bacon and Broccoli Chilli Pasta

Serves 4-6

Preparation time: 5 min, Cooking time: 25 minutes

Ingredients

500 g penne pasta,?prepared?according to package instructions *

1 pack dry cured bacon

1 medium onion, finely diced

10 ml vegetable oil

300 g broccoli florets

200 ml vegetable stock

1 red chilli, finely chopped

2 x 400g cans chopped, peeled tomatoes

1/2 t sugar

salt, to taste

Method

Chop the bacon into bite sized pieces, dab dry with kitchen paper towels and fry in an extra wide pan on high heat until it crisps. If you use a teflon coated pan you do not need to use oil. Remove and set aside.

Turn heat down to medium and add oil to same pan. Fry onion until it softens. Allow to brown very slightly ? this will add to the flavour of the dish.

Add broccoli to the pan (this is where using a wide pan comes in handy ? all cooking done in one vessel!). Add salt and fry for 5 minutes, turning.

Add stock to pan and cook for a further 5 minutes. ?Add chillis and stir.

Empty cans of tomato in and mix well. Add sugar and adjust seasoning. Cook for 3- 4 minutes. Add a little water of sauce is too thick.

Add?crispy?bacon to tomato sauce and serve over bowls of just cooked pasta.

* making your own pasta is inexpensive and the taste of fresh pasta is incomparable.

View the post on Woolie?s site here:?http://www.woolworths.co.za/Home/Week-10/Ishay-s-Blog-The-Budget-Challenge-Feed-4-for-R150/cat596236.cat

Refreshing Iced Tea

Makes 6 glasses

Ingredients

5 rooibos or tea bags of your choice

500 ml hot water

1 l apple juice

1 lemon, cut into slices

Method

Steep tea bags in hot water in a tap pot or heat proof bowl. Allow water to cool. Remove bags.

Add tea to apple juice in a large jug and chill in the fridge.

Adjust sweetness if preferred.

Serve over ice with slices of lemon

Easy Fig Puff Pastry Squares

makes 8-10 mini pastries

Ingredients

1 egg yolk

1 x roll regular puff pastry

1 punnet figs, each sliced in three

?

Method

Preheat oven to 200 ? C.?Grease a baking tray.

Use a fork to mix egg yolk in a bowl.

Unroll the puff pastry on a smooth surface. Cut into squares or rectangles ? size of your choice.

Reserve pastry some to cut into 1 cm strips to add borders to each?square.

Place on tray and leave in fridge for 5 minutes to chill.

Remove and brush pastry with egg yolk.

Add slices of fig to each square. Bake for 10 minutes at 200 ?C.

Lower heat to 180 ? C?and?bake for 15 minutes or until cooked?through.

Cool on wire rack. I prefer to serve these warm with some whipped cream or vanilla ice cream if you have.

This post forms part of the series of recipes I am preparing for Woolworths, the food sponsor for MasterChef SA. It is a Food and the Fabulous Endorsed project and I will be remunerated for it

Labels// bacon. chilli. pasta, budget, figs, masterc, puff pastry, Woolworths pantry

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Vero Beach Real Estate | SEA OAKS Homes For Sale May, 2012 ...

by paul-kitchen on May 21, 2012

Find SEA OAKS Homes For Sale and SEA OAKS Home Values. We also have information on mortgages, insurance, movers and other Vero Beach Real Estate Services for anyone looking to sell or buy a home in beautiful Indian River COUNTY Florida.

Paul Kitchen and Starfish Team provide clients, family and close friends with professional, honest and dependable service. A resident of Vero Beach, Paul is extremely familiar with the local neighborhoods including SEA OAKS, school districts and the Vero Beach Real Estate market in this beautiful Florida town.

Paul Kitchen
Broker-Owner
Starfish Real Estate
3221 Ocean Drive Vero Beach, FL 32963
(772) 539-8420
(800) 793-7304 toll free
Vero Beach Real Estate
Vero Beach Real Estate Blog

Tagged as: SEA OAKS, Vero Beach Real Estate

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King Felix outduels Rangers' Darvish

By TIM BOOTH

AP Sports Writer

Associated Press Sports

updated 1:05 a.m. ET May 22, 2012

SEATTLE (AP) - Felix Hernandez said the hype and attention paid to Texas star Yu Darvish had no bearing on his level of intensity heading into Monday night.

Seattle's ace was too focused on making sure the best offensive team in baseball didn't continue Hernandez's unusual run of rough starts.

"Attack and just throw strikes," Hernandez said. "If you get behind against this lineup, it's a problem."

Hernandez shut down Texas' sluggers for eight innings, while Ichiro Suzuki and the Mariners bats were chasing Darvish after just four innings in the shortest start of the season in Seattle's 4-1 win over the Rangers.

Seattle became the first team that Darvish had to face for a second time and for a second time he struggled to solve the Mariners. Darvish (6-2) labored through 96 pitches and a season-high six walks and was denied the chance to become the first seven-game winner in the majors.

Only Seattle's inability to take advantage of a bases-loaded situation in the fourth inning kept Darvish's line from being worse. Suzuki singled and tripled off his countryman, driving in a pair of runs as Seattle built on its three-game sweep of Colorado over the weekend.

"He can throw anything at any time, obviously has a good arm and keeps the ball down for the most part," Seattle manager Eric Wedge said. "But you really have to tip your hat to our guys offensively. Our guys went up there, made him come into the zone and when he didn't, took the passes when we could."

While most of the attention went to Darvish and his impressive run of success, Hernandez was trying to atone for a pair of forgettable starts against the Yankees and Cleveland where Hernandez allowed a combined 21 hits and 10 earned runs.

He was back to his top form against the Rangers. Hernandez allowed six hits, struck out seven and walked two. He took a shutout into the eighth before Mitch Moreland hit a leadoff homer to deep right-center field. It marked the 15th straight game Texas hit at least one homer, but Hernandez finished off the inning, and his night with his second strikeout of slugger Josh Hamilton.

"How hot (Hamilton) is right now that was pretty good," Hernandez said.

It helped Hernandez that he was playing with a lead and thanks in part to some lessons learned from the first time Seattle saw Darvish. Namely patience.

While Darvish was off to a solid start - subtract the five runs in the first two innings against the Mariners in his debut and his ERA since then is 1.94 - all of his starts were against teams seeing the Japanese star for the first time.

And Seattle had plenty of success - for two innings - when they saw Darvish for the first time back in April. The Mariners rattled Darvish for eight hits and five earned runs that day, but the Rangers gave Darvish enough offense to make that first start a victory.

This time, Seattle had nearly as much offensive success - trading hits for walks - but the Rangers bats were getting silenced by Hernandez.

Darvish's troubles started almost immediately. He walked Michael Saunders with one out in the first and Suzuki immediately ripped a shot over first base and down the right field line. But instead of bouncing off the short-wall in foul territory and into the outfield, the ball hit and stayed at the base of the wall. Saunders scored from first and Suzuki strolled into third and an early lead for Hernandez.

Seattle gave Hernandez a bigger cushion in the third inning. With two runners on and one out, Suzuki sent a single into shallow center that scored Dustin Ackley from second. Saunders was aggressive and tried to go first to third on the hit, and instead jogged home when Hamilton's throw from center soared over third baseman Adrian Beltre and into the Rangers' dugout on the fly. Rookie Jesus Montero followed with a sacrifice fly to deep center that scored Suzuki.

Darvish continued to struggle in the fourth, walking the bases loaded to start the inning. Ackley's RBI single scored John Jaso, but Darvish got infield groundouts by Saunders and Suzuki and a strikeout of Kyle Seager to end the inning and limit the damage. Montero added an RBI double in the seventh off reliever Yoshinori Tateyama, who was called up on Monday after Neftali Feliz was placed on the 15-day disabled list.

Darvish had pitched into at least the sixth inning of all eight of his previous starts.

"I was apologetic. I wasn't able to go deep in the game as a starter should," Darvish said through an interpreter. "Giving up those runs with only four hits; overall the approach and substance wasn't that good."

Notes: Texas' streak of 15 straight games with a homer is the longest in baseball this year and fourth longest in franchise history. ... With Feliz on the DL, the Rangers announced that Scott Feldman will start Wednesday's series finale in Seattle. ... Seattle C Miguel Olivo (groin) was 1-for-3 and caught five innings during his first rehab start with Triple-A Tacoma. Wedge said Olivo needs to catch a full nine innings before the Mariners consider bringing him back.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Watch: The Many Benefits of Folic Acid

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Winter 2011 Comments From The Chair - Georgia Real Property ...

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Obama pledges tough enforcement of Wall Street reforms (reuters)

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