New Info Blog

Any person who works in the United States receives a unique Social Security number. This number is then required to do all sorts of transactions, from getting a bank account to getting a mortgage. New employers ask for the number, and it is an important part of getting a credit card.

Getting your social security number is a critical goal for identity thieves. They want it because it is one of the keys that unlock their ability to get credit cards and other debt instruments in your name.

So, everyone seems to know that the number is a secret which should be guarded, but how much do people actually know about it, and what is the right way to file a complaint against a business which is potentially compromising your identity.

The social security number system started in the mid-1930s as a way for the government to track the beneficiaries of its new social security retirement system. everyone was assigned a number. That number was the key to knowing how much the person had paid into the system, and it unlocked the payments paid to that person in retirement.

Ironically, the legislation that created the social security number specifically said that it would not become a national identification code. More recently, that sentiment has become laughable. Social security numbers are essentially national identification numbers within the United States.

There are a number of resources Americans can use to obtain information about their social security number.

First, they can check their credit reports frequently, to determine whether anyone is using their number. This can be done easily and for free once per year using the government’s Annual Credit Report system.

Second, they can contact the US Government. The Social Security Administration offers a statement which contains the person’s contributions to the system as well as the expected benefit at retirement.

Finally, several independent websites exist with more detailed information for a given social security number. One example is Social Security Numerology (http://www.socialsecuritynumerology.com”).

Tyler Stanford provides research and consulting services for numerous industries, including identity protection. He has consulted for SocialSecurityNumerology.com.

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When you are reviewing your credit reports, you probably notice that there are erroneous records. Sometimes, these errors are caused by mistakes made at the credit bureau but they could be the results of identity theft.

In either case, such mistakes could hurt your credit score. If you believe you may have been a victim of identity theft, you should take action immediately to reduce the damage:

1) Contact the three major credit bureaus

You will want to talk to the fraud department and explain to them that you have been the victim of identity theft. Request that an “alert” be placed on your file. This will let anyone looking at your report know that you may have been the victim of fraud.

Doing this also allow you to be notified any time a lender asks to look at your file. Each time a lender does look at your file, it may be an indication that the identity thieves are trying to open a new account in your name.

When the lenders see the alert on your file, they will likely deny the thieves credit. In most cases the criminals will stop trying to use your identity after too many unsuccessful attempts.

Most alerts on your file last 90 to 180 days. However, if the identity thieves are very persistent, you can extend this period to several years by asking the credit agencies for an extension of the “fraud alert” in writing.

In some states, you can request your credit score and credit report to be freeze. This means your credit report is accessible by you and your existing creditors only.

If you have been the victim of identity theft, you are entitled to a free copy of your credit report. Be sure to take advantage of this offer so that you can check exactly how your credit has been affected.

2) Call the Federal Trade Commission (FTC)

FTC has setup a hotline at 1-877-438-4338 to help customers deal with fraud and identity theft. You can also use the complaint form at www.ftc.gov/idtheft. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

3) Contact the police.

Since identity theft is a crime, you need to file a police report so that you can help the police potentially catch the criminals responsible. Contacting the police will also give you a paper trail and proof that a crime has been committed. This will make it easier to repair your credit if identity thieves have damaged it.

4) Notify your creditors

You should contact your creditors or any creditors that the identity thieves have opened an account with as soon as possible. Explain your predicament to their security department. Most likely, you have to close your accounts or at least get your passwords changed to protect yourself.

You will not be held responsible for the charges incurred by the identity thieves as long as can prove that you are the victim. This can be tricky and you probably need some time to work with the police and the creditor security dept for a solution.

In the meantime, your credit score will likely take a dip but it is better than paying back a huge amount of debt that you are not responsible for.

If you do not want to be a victim of identity theft, check out this article at my blog “How to Make Yourself Virtually Identity Theft PROOF in 60 Minutes or Less.

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So you want to know the best way to remove spyware? First of all is your computer running slower than usually? Does it freeze quite frequently? Does it seem like your computer has a mind of its own and does as it pleases? If you are experiencing these symptoms your computer is probably infected. Spyware is a program installed on your computer secretly without your consent.

Spyware usually falls into one of two types. The first type is used by companies and it collects data by spying on you and sending you advertisements(pop ups) in hope you will purchase there product. This can be annoying and cause system degradation.

The other type of spyware is run by thieves and attacks you personally. It steals sensitive information by installing a key logger on your computer. This allows for it to steal any valuable information such as password, bank account numbers, credit card numbers or even your social security numbers. It then sends this info across the internet. Basically they steal your idenity and other sensitve info to sell it for a pretty penny.

So you are wondering what the best way to remove spyware is? There are a few spyware removal options. First off, there are website that will show you how to remove spyware manually. This process can be effective but I don’t recommend it. It can be difficult and tedious for someone who is not an expert at computers. Also, once you remove the spyware, you are left vulnerable to get infected again. There is no protection after the initial clean up.

Therefore, the best way to remove spyware would be to purchase an anti-spyware program. The top programs will be successful in removing spyware and protecting your computer. The best programs will cost you around twenty or thirty bucks.

While free anti spyware programs does fall into the spyware removal options, I suggest staying away from these. The reason being is that there are multiple free programs out there that claim they will protect and eliminate spyware. The truth is that many of these programs are actual spyware. People download these to save a couple bucks and end up making things worse.

The best way to remove spyware is to purchase an anti spyware program. I know you don’t want to spend money but I don’t think you really want your identity stolen or your bank account drained either? It is very important to protect you and your computer from this monster. I hope I answered your question of the best way to remove spyware, and the spyware removal options I have provided are useful.

For more information on antispyware protection see my sight at – http://www.squidoo.com/Anti_Spyware_08 – I have provided reviews and ways to purchase the best anti spyware programs available. I also provide a way to get a safe, free scan of your computer.

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“It is a cruel thought, that, when we feel ourselves standing on the firmest ground in every respect, the cursed arts of our secret enemies, combining with other causes, should effect, by depreciating our money, what the open arms of a powerful enemy could not.” –Thomas Jefferson to Richard Henry Lee, 1779. ME 4:298, Papers 2:298

“Historically, the United States has been a hard money country. Only [since 1913] has the United States operated on a fiat money system. During this period, paper money has depreciated over 87%. During the preceding 140 year period, the hard currency of the United States had actually maintained its value. Wholesale prices in 1913 … were the same as in 1787.” — Kenneth Gerbino, former chairman of the American Economic Council
“We make money the old fashioned way. We print it.” — Art Rolnick, former Chief Economist, Minneapolis Federal Reserve Bank

“Paper money has had the effect in your state that it will ever have, to ruin commerce, oppress the honest, and open the door to every species of fraud and injustice.” — George Washington, in a letter to J. Bowen, Rhode Island, Jan. 9, 1787
“Of all contrivances for cheating the laboring classes of mankind, none has been more effective than that which deludes them with paper money.” — Daniel Webster”
“I see in the near future a crisis approaching. It unnerves me and causes me to tremble for the safety of my country … the Money Power of the country will endeavor to prolong its reign by working upon the prejudices of the people, until the wealth is aggregated in a few hands and the Republic is destroyed.” — Abraham Lincoln, just after the passage of the National Banking Act of 1863

“All the perplexities, confusion and distress in America rise, not from defects in their Constitution or Confederation, not from want of honor or virtue, so much as from downright ignorance of the nature of coin, credit and circulation.” — John Adams, in a letter to Thomas Jefferson in 1787
“Paper money eventually returns to its intrinsic value – zero.” — Voltaire (1694-1778)
“If the American people ever allow private banks to control the issue of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children will wake up homeless on the continent their fathers conquered.” — Thomas Jefferson in 1802 in a letter to then Secretary of the Treasury, Albert Gallatin

The value of paper money is precisely the value of a politician’s promise, as high or low as you put that; the value of gold is protected by the inability of politicians to manufacture it. — Sir William Rees-Mogg

The monetary managers are fond of telling us that they have substituted ‘responsible money management’ for the gold standard. But there is no historic record of responsible paper money management … The record taken as a whole is one of hyperinflation, devaluation and monetary chaos. — Henry Hazlitt

“The creation of money exclusively as debt is the critical, destabilizing flaw in the American Economy”. — author Theodore R. Thoren explains The Truth In Money Book.
“The decrease in purchasing power incurred by holders of money due to inflation imparts gains to the issuers of money … .” — St. Louis Federal Reserve Bank in “Review”, Nov. 1975
“You have to choose [as a voter] between trusting to the natural stability of gold and the natural stability of the honesty and intelligence of the members of the Government. And, with due respect for these gentlemen, I advise you, as long as the Capitalist system lasts, to vote for gold.” — George Bernard Shaw

“Without the confidence factor, many believe a paper money system is liable to collapse eventually.” — Federal Reserve Bank of Philadelphia in “Gold”
“Whoever controls the volume of money in any country is absolute master of all industry and commerce.” — President James A. Garfield
“Those who create and issue money and credit direct the policies of government and hold in the hollow of their hands the destiny of the people.” — Rt. Hon. Reginald McKenna, former Chancellor of Exchequer, England

“If Congress has the right under the Constitution to issue paper money, it was given to be used by themselves, not to be delegated to individuals or corporations.” — Andrew Jackson

QUOTES ON FISCAL AND MONETARY POLICY:

“The budget should be balanced, the treasury should be refilled and the pubic debt should be reduced. The arrogance of public officialdom should be tempered and controlled. And the assistance to foreign lands should be curtailed, lest we become bankrupt.” — Cicero, 63 B.C.
“Inflation has now been institutionalized at a fairly constant 5% per year. This has been scientifically determined to be the optimum level for generating the most revenue without causing public alarm. A 5% devaluation applies, not only to the money earned this year, but to all that is left over from previous years. At the end of the first year, a dollar is worth 95 cents. At the end of the second year, the 95 cents is reduced again by 5%, leaving its worth at 90 cents, and so on. By the time a person has worked 20 years, the government will have confiscated 64% of every dollar he saved over those years. By the time he has worked 45 years, the hidden tax will be 90%. The government will take virtually everything a person saves over a lifetime.” — G. Edward Griffin, historian and author of “The Creature From Jekyll Island”

“By a continuing process of inflation, governments can confiscate, secretly and unobserved, an important part of the wealth of their citizens. There is no subtler, no surer means of overturning the existing basis of society than to debauch the currency. The process engages all the hidden forces of economic law on the side of destruction, and does it in a manner which not one man in a million is able to diagnose … If, however, a government refrains from regulations and allows matters to take their course, essential commodities soon attain a level of price out of the reach of all but the rich, the worthlessness of the money becomes apparent, and the fraud upon the public can be concealed no longer.” — John Maynard Keynes, economist and author of “The Economic
Consequences Of The Peace” (1920)

“About all a Federal Reserve note can legally do is wipe out one debt and replace it with itself, another debt, a note that promises nothing. If anything’s been paid, the payment occurs only in the minds of the parties ….” — Tupper Saucy, author of “The Miracle On Main Street”
“… the gold standard is incompatible with chronic deficit spending (the hallmark of the welfare state).” — Greenspan, Alan; “Gold and Economic Freedom”, Rand, Ayn; Capitalism: the Unknown Ideal; Signet Books, 1967; pp96-101. See full text in FAME’s FedWatch section http://www.fame.org/.

QUOTES ON BANKING:

“I sincerely believe … that banking establishments are more dangerous than standing armies, and that the principle of spending money to be paid by posterity under the name of funding is but swindling futurity on a large scale.” — Thomas Jefferson to John Taylor, 1816.
“Banks lend by creating credit. They create the means of payment out of nothing.” — Ralph M. Hawtrey, former Secretary of Treasury, England
“Money is the most important subject intellectual persons can investigate and reflect upon. It is so important that our present civilization may collapse unless it is widely understood and its defects remedied very soon.” — Robert H. Hemphill, former credit manager, Federal Reserve Bank of Atlanta

“Bankers own the earth. Take it away from them, but leave them the power to create money and control credit, and with a flick of a pen they will create enough to buy it back.” — Sir Josiah Stamp, former President, Bank of England
“The Founding Fathers of this great land had no difficulty whatsoever understanding the agenda of bankers, and they frequently referred to them and their kind as, quote, “friends of paper money. They hated the Bank of England, in particular, and felt that even were we successful in winning our independence from England and King George, we could never truly be a nation of freemen, unless we had an honest money system. Through ignorance, but moreover, because of apathy, a small, but wealthy, clique of power brokers have robbed us of our Rights and Liberties, and we are being raped of our wealth. We are paying the price for the near-comatose levels of complacency by our parents, and only God knows what might become of our children, should we not work diligently to shake this country from its slumber! Many a nation has lost its freedom at the end of a gun barrel, but here in America, we just decided to hand it over voluntarily. Worse yet, we paid for the tyranny and usurpation out of our own pockets with “voluntary” tax contributions and the use of a debt-laden fiat currency!.” — Peter Kershaw, author of the 1994 booklet “Economic Solutions”

“The real truth of the matter is, and you and I know, that a financial element in the large centers has owned the government of the U.S. since the days of Andrew Jackson. History depicts Andrew Jackson as the last truly honorable and incorruptible American president.” — President Franklin Delano Roosevelt, November 23, 1933 in a letter to Colonel Edward Mandell House
“The truly unique power of a central bank, after all, is the power to create money, and ultimately the power to create is the power to destroy.” — Pringle, Robert; and Deane, Marjorie: The Central Banks; Viking, 1994, page viii.

“When you or I write a check there must be sufficient funds in our account to cover that check, but when the Federal Reserve writes a check, it is creating money.” — Boston Federal Reserve Bank in a publication titled “Putting It Simply”

“Some people think the Federal Reserve Banks are U.S. government institutions. They are not … they are private credit monopolies which prey upon the people of the U.S. for the benefit of themselves and their foreign and domestic swindlers, and rich and predatory money lenders. The sack of the United States by the Fed is the greatest crime in history. Every effort has been made by the Fed to conceal its powers, but the truth is the Fed has usurped the government. It controls everything here and it controls all our foreign relations. It makes and breaks governments at will.” — Congressman Charles McFadden, Chairman, House Banking and Currency Committee,

June 10, 1932
“.. we conclude that the [Federal] Reserve Banks are not federal … but are independent, privately owned and locally controlled corporations … without day to day direction from the federal government..” — 9th Circuit Court in Lewis vs. United States, June 24, 1982
“… You are a den of vipers and thieves. I intend to rout you out, and by the grace of the Eternal God, I will rout you out.” — President Andrew Jackson, upon evicting a delegation of international bankers from the Oval Office
“Give me control over a nation’s currency and I care not who makes its laws.” — Baron M.A. Rothschild (1744 – 1812)

Submitted by: Regis Sauger (Submitter does not make any claims as to having any input or credits for above quotes which are considered available to the public under the Freedom of Information Act.)

Regis Sauger is a licensed Mortgage Broker in Florida, an author, lecturer on credit awareness. He has conducted seminars for underwriters, attorneys, mortgage lenders, realtors and the general public. http://www.yurcredit.com

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