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When someone uses your name or personal information, such as your credit card number, driver's license number, Social Security number, telephone number, or other account numbers, without your permission, you become a victim of identity theft.
Thieves steal your personal information and use it to open credit accounts, bank accounts, telephone service accounts, and make major purchases in your name. These criminals use your sensitive information to take over existing accounts, or open new accounts. Their criminal activities can result in damage to your credit rating and denials to credit and job offers.
Protecting Your Identity
While there are no guarantees that your identity will never be stolen or compromised, there are several steps you can take to minimize the risks.
Here are a few of them:
- Before you discard your personal information that you no longer need, such as credit card receipts, billing statements, and pre-approved credit card offers, shred them using, at best, a diagonal-cut shredder.
- Create unique passwords and personal identification numbers (PINS) and avoid using easily available information such as mother's maiden name, date of birth, or last four digits of your Social Security number.
- Do not give your Social Security number to people or companies that you do not know.
- Guard your mail from theft. Promptly remove your incoming mail from your mailbox and place outgoing mail in locked collection boxes at your local Post Office.
- As an extra measure of security, install a lock on your mailbox, even if mail theft is not an identified problem in your neighborhood.
- Before disclosing personal information, even to people you know where you shop or do business, insist on knowing the reason(s) your personal information is required and how it will be used.
Thieves can do much damage with what they remove from your mailbox.
Criminals are increasingly creative in the methods they use to get their hands or eyes on your personal information, and ultimately, your money. Here are some of the low-tech techniques they employ:
- Dumpster Diving, one of the easiest ways for them to appropriate your personal information.
- Mail Theft from unsecured residential mailboxes. According to statistics, mail theft most often takes place at unprotected and easily accessible mailboxes in public places.
- Shoulder surfing takes place when a thief watches or listens literally over your shoulder as you enter your PIN into an ATM machine. They may even follow you home or your place of work to gather additional information about you.
Data transferred across the Internet can be intercepted during its journey.
- Phishing and Pharming: While phishing is a scam in which consumers are tricked into entering their personal information via a bogus email and website form, pharming occurs where hackers steal personal information from numerous people simultaneously through something known as "domain spoofing". They take over a DNS server and redirect user information to a new website that they use to gather, collect, "pharm" illegal information.
- Skimming: Thieves quickly and temporarily steal a credit card and run it through a skimmer, a credit card reader that has been reprogrammed to steal information off the card.
Make education about the scams, schemes, and frauds criminals use to steal your identity your priority in view of the rising occurrence of this multi-million-dollar-problem. With education comes prevention. Here are some prevention tips to help reduce the risks:
- Safeguard your personal information. Never take simple things for granted.
- Carry with you only the information you need. Always keep your personal information and documents in a safe and secured place of your choosing.
- Order and review a copy of your credit report at least once a year.
- Shred documents containing your sensitive information before discarding them.
Known as The Master Blog Builder, Etienne A. Gibbs, MSW, helps small business owners and non-profit organizations improve their customer relationship marketing. Often he comes across cases that are red flags calling identity thieves to come in. Hence, he started the "Protecting Your Identity" blog. Contact him at www.MasterBlogBuilder.com for more information.
Heralding a new age in the cosmos, Norwegian Kristian Birkeland predicted that the universe likely consisted of an exotic component that would later be called dark matter. His comments about this subject matter appeared in a description of the Norwegian Aurora Polaris Expedition (1902-1903). Birkeland's ideas about the Expedition were published in the fateful year of 1913 which would see the rise of the socialist Federal Reserve System and the Income Tax in the United States of America, two key components of the communist manifesto. Evolutionary processes were in motion throughout all fields of endeavor. Economics, politics, science and the hearts and minds of men and women were in the balance whilst relativism not truth held sway over the modern imagination. Cosmology would suffer from the same 'evolutionary' mindset and Birkeland wrote as much:
"We have assumed that each stellar system in evolutions throws off electric corpuscles into space. It does not seem unreasonable therefore to think that the greater part of the material masses in the universe is found, not in the solar systems or nebulae, but in "empty" space."
In this fashion, Birkeland predicted that because of the 'evolutions' present within the cosmos most of the matter in the universe must be found in 'empty' space rather than that which is observable in stellar objects. It is currently believed that only four percent of the universe is of this ordinary visible stellar type. Further, about a quarter of the universe is made up of the ubiquitous dark matter with the rest of the cosmos being filled with the even more bizarre dark energy. It was Fritz Zwicky, a swiss astrophysicist working for Caltech, who would further the concept of dark matter through the aegis of the Virial Theorem.
This mathematical relation is a formula which bounds the energy of a set of particles. In another dark year in the steady evolution to slavery since 1933 saw the removal of gold from the accounts of american citizenry, Zwicky used the Virial Theorem in an attempt to ascertain the validity of the dark matter hypothesis. He focussed his attention on the Coma galactic cluster and his analysis provided prima facie confirmation for the existence of dark matter. By evaluating the amount of movement of those galaxies at the periphery of the cluster he was able to approximately surmise the aggregate of all the matter therein.
He was astonished to learn that this sum total of mass is different from a separately computed estimate. This other value was obtained by analyzing the sum total of galaxies and the brightness of the Coma cluster. Juxtaposing this value with the periphery computation he observed that there was a discrepancy of at a minimum four hundredfold. Since the galaxies were insufficiently massive to cause the computed orbital velocities there must be some other mechanism to explain this phenomena. This conundrum became in the scientific lexicon the missing mass problem. Zwicky had established the need for the existence of an invisible source of mass hitherto unknown which must provide the necessary gravitational effect for the cluster.
Thus, it is a fact of the current state of cosmology that the greatest set of evidence for dark matter comes from this galactic gravitational data. Scientists have even made galactic curves describing the rotational properties of stars versus the distance from the galactic center. When the gravitational data is plotted it can be shown that only a small portion of the observed speeds are explicable by classical computations. In other words, there is a scarcity of visible mass in the observed galaxies to attribute the sum total of gravitational effects to visibly observable stars planets and galaxies. Thus, the simplest way to explain this galactic mystery of insufficient mass is to hypothesize a non-detectable type of mass known as dark matter which can be the cause for the gravitational effects.
As more and more data is collected on these and other aspects of the universe, formulae and cosmological postulates are generated describing the results so obtained. Fulfilling the requirements of the aforementioned aspects leads some scientists to propose several different types of dark matter. The four main types of dark matter are called 1- baryonic dark matter; 2- warm dark matter; 3- cold dark matter and 4- hot dark matter. Dark matter ranges from the known to the predicted, from black holes to brown dwarfs to the massive compact halo objects (MACHOs), the neutrino, axions, WIMPS or weakly interacting massive particles and the esoteric neutralino. However, there is an alternative explanation for the gravitational effects which originally created the dark matter concept.
If an incomplete understanding of gravitation is factored into the picture, then it can be asserted that the dark matter interpretation is incorrect because some other cause is generating these phenomena. Several different contending theories have been developed to describe the observed galactic data. In particular, one of the main competing explanations is given by scalar tensor theories which try to combine the teachings of quantum mechanics with gravity. Amplifying these ideas leads to a variety of exotic ideas which challenge our most fundamental notions of physics and astronomy. Other concepts go even further and have been the subject of interest for astronomers like Dr. Riccardo Scarpa since these allow for a cosmology without the inclusion of the enigmatic dark matter.
Dr. Scarpa works at the European Southern Observatory in Santiago Chile using the Very Large Telescope Array at Paranal. With all of his experience in this field, it is interesting to note some of his most recent comments on the superfluous dark matter:
"Dark matter is the craziest idea we've ever had in astronomy. It can appear when you need it, it can do what you like, be distributed in any way you like. It is the fairy tale of astronomy."
In view of these comments one should ask if another scientific idea might be on the verge of collapsing. Indeed, astronomers are routinely using these other theoretical principles on a daily basis in infrared observatories around the world. Thus, it is very likely that we are simply wrong about all of this dark matter. It is within all probability that the only dark matter that we will ever find is that ignorant dark matter between our ears.
Author Bio
Michael Strauss is an engineer and author of Requiem for Relativity the Collapse of Special Relativity, a serious critique on the fallacies of Special Relativity. To contact the author visit: www.relativitycollapse.com
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Heralding a new age in the cosmos, Norwegian Kristian Birkeland predicted that the universe likely consisted of an exotic component that would later be called dark matter. His comments about this subj...
Three hundred miles off the Argentina coast in the South Atlantic lay the Falkland Islands, also known to the Argentines as Islas Malvinas. It consists of two main islands, East and West Falklands which lie 300 miles east of the Argentina coast. There are about 200 smaller islands that form a total land area of approximately 4,700 square miles. The only town and capital is Port Stanley.
The English navigator John Davis may have been the first person to sight the Falklands. However, the Argentine version states that "Spanish seamen" were the first without giving further details. Some also say that Ferdinand Magellan was the first to see the islands on his voyage around the world. Another claim is based on one of Magellan's ships deserting the expedition and going back to Spain. While it is true that there was such a ship, there are no original documents to prove the actual sighting of the islands.
The government of the Falkland Islands administers the British dependent territories of South Georgia, the South Sandwich Islands, and the Shag and Clerke rocks, lying from 700 to 2,000 miles (1,100 to 3,200 km) to the east and southeast of the Falklands.
Argentina has claimed the islands since the early 19th century. Britain had occupied and administered the islands since 1833 and had consistently rejected Argentina's claims. Just like any other conflicts in our world history, claiming and ruling a certain territory initiated war between the Argentines and the British forces. Ownership of the islands has always been a hotly contested issue between the two governments. On April 2nd of 1982, the war began, with thousands of Argentine troops landing on the Falklands.
The British captured about 10,000 Argentine prisoners, all of whom were afterward released. Argentina's defeat severely discredited the military government and led to the restoration of civilian rule in that country in 1983.
After more than 20 years, a shocking revelation unfolds. Research claims that a high number of veterans have taken their own lives since the South Atlantic conflict ended, both from the Argentine and the British troops. The suicide figure was almost half of the number of soldiers who died during the conflict.
There were also allegations that the people in command of the military forces of both countries tried to ignore the issue of Post Traumatic Stress Disorder (PTSD) which leaves many sufferers emotionally scarred and unable to work. Some veterans have claimed that their condition was not diagnosed or treated while they were still serving. They added that they were never warned about the effects on their enlistment or discharge from the forces. They were also not given any presentations or debriefings to prepare them for possible effects.
There seems to be a general pattern for war veterans suffering PTSD. They experience recurring nightmares and flashbacks followed by recourse to heavy drinking or drugs then crime. A lot of war veterans ended up in prison often for violence and some of them killed themselves in their cells. While many veterans have been suffering from PTSD, others have simply been unable to cope with the reality of life outside the forces. Many have become caught up in alcoholism, drug abuse, homelessness, depression, and relationship break-up. PTSD has indeed turned these war veterans towards the path of self-destruction.
The Falklands Conflict was one of the few major naval campaigns to have occurred since the end of the Second World War. As such, the conflict illustrated the vulnerability of surface ships to anti-ship missiles and reaffirmed the effectiveness of aircraft in naval warfare. However, the Falklands War also illustrated the vulnerability of people, especially of war veterans. Even if the war has ended, it has left an imprint that will forever be within their lives.
The Falklands war cost England 255 men, six ships, and more than 1.6 billion pounds. The war lasted 74 days, with 649 Argentine soldiers, sailors, and airmen, and three civilian Falklanders killed. The Falklands campaign was considered a great victory for the United Kingdom. The British may have overpowered the Argentines, but both of them suffered the consequences of the atrocity of war and continuously agonizing from it.
Three hundred miles off the Argentina coast in the South Atlantic lay the Falkland Islands, also known to the Argentines as Islas Malvinas. It consists of two main islands, East and We...
Solar panels aren't new. The technology has been around for quite a long time. As all of us are well aware, burning fossil fuels to produce energy isn't doing the natural world much good and increasingly brings us into contact with politically unstable states. And so now could be the moment to perform your bit for your country and fit solar panels to generate electricity!
An electric solar panel uses photovoltaic or PV cells to turn the Sun's energy into electricity. The electricity can then run our lights and devices. A PV panel is constructed from crystalline silicon. Photons from the sun strike the silicon and electricity is generated using the photovoltaic effect.
I can really only think of 2 reasons for installing electric solar panels. This first one is economic and the other one is environmental. Some people install them for environmental reasons. But unless you're Prince Charles or James Lovelock, the majority of us will require a sound economic reason to trigger us in making the investment. Eventually, you may find that having solar panels fitted into your home might well increase it's value. The very next owners will certainly be saving money on their electricity bills.
So, we come to some of the benefits you may enjoy if you decide to put in and use electric solar panels. You can lower your electric bills by around 40% even in the UK.
Solar energy is environmentally friendly. It does not discharge any pollutants including carbon dioxide. Sleep better at night, smug in the warm glow that the contribution to the planet has afforded you. Theoretically, you can actually make some money from your panels by selling excess electricity back to the grid. The power companies are legally obliged to purchase this electricity at an inflated rate. Usually around 18p per KW. You are able to store extra energy in batteries and use them during rainy days or when needed.
Solar panels, correctly installed, will last for over 30 years. Of course, you can find a few things to consider. The solar panels are relatively heavy. You will want to make sure that your roof is robust enough to carry their weight. It is best to consult a construction specialist for proper structural assessment of your roof. You will want to ensure that you have a clear line of sight to the sun. i.e. no buildings, trees, or any structure will block the sunlight going to the panels. This is to capture the highest possible amount of sunlight to generate more electricity. Visit your local planning authority to check if you need permission to install electric solar panels.
The price of putting in an electric solar system differs and depends largely on their size. A typical 2.2 KW solar panel system is priced at about £12,000. The cost of electric solar panel systems per KW range from £4,000 to £8,000. The costs per KW will decrease as the system size increases. Generally speaking, you should see a return on your investment in around 10 years. So, maybe now it's the right time to think about installing some electric solar panels.
Solar panels aren't new. The technology has been around for quite a long time. As all of us are well aware, burning fossil fuels to produce energy isn't doing the natural world mu...
By: Mark Boardman
In April and May of 1997 the Red River, bordering North Dakota and Minnesota flooded across the Red River valley causing $3.5 Billion worth of damage, making it one of the most expensive natural disasters ever.
The winter of 1996-97 was particularly harsh in the area with a succession of winter storms piling up massive amounts of snow over the large floodplain. Two of the worst-hit towns were Fargo and Grand Forks which had a record amount of 117 inches and 98.6 inches of snowfall on the two towns respectively over the winter.
The Red River flows north into Lake Winnipeg and as it flows north the temperatures get colder. This causes a problem with ice jamming, where the river freezes and the waters flowing from further south begin to back up against the ice dam. This is a frequent concern for the local community and in an effort to prevent ice jamming sand was dumped on the icy river to help melt the ice and increase the flow.
Flood warnings were put out for the region as early as February and the National Weather Service (NWS) predicted a 49-foot crest at Grand Forks. This peak prediction was not updated until April 14th which was just 4 days before the start of the flood. There were some complaints that the NWS could have made earlier and better crest predictions, but what isn't in doubt is the efforts the residents of Grand Forks and Fargo made in trying to save their towns.
The community built up dykes with sandbags and clay to a height of 52 feet, which was 3 feet above the NWS prediction. Students were even excused classes to help in the efforts. With the 52 feet barriers to the river in place, the residents thought they would be spared. Alas, the sudden thaw of this brutally harsh winter's snowfall over such a large floodplain was more than the residents could have imagined. In Grand Forks, the waters peeked at 54 feet and completely overwhelmed the town. The flooding began on April 18th and town after town along the Red River became inundated with floodwaters well above previous records.
The topography of the Red River valley is very wide, and very flat, leaving nothing to bar the way of the floodwaters once they had broken through their banks. As a result, the floods reached up to 3 miles inland (imagine being flooded by a river 3 miles away!) The waters in Grand Forks, at 54 feet, were now 26 feet above the usual flood stage. A massive evacuation of the residents (75% of a population of 52,000) had taken place and this was repeated in all the towns affected by the flood. This evacuation helped with the remarkable statistic that not a single death occurred as a result of the flood despite its massive scale. Also, a large fire ignited in Grand Forks engulfing 11 buildings, including 60 apartments.
The floodwaters eventually began to subside on 23rd April but took a long while to completely recede. The cleanup operation was on a massive scale. 20,000 volunteers flew in to help the beleaguered residents who had to throw away virtually all of their possessions. Slowly but surely the area returned to normal but those who lived through it will never forget the spring flood of 1997 and will be hoping the next great flood won't be in their lifetime.
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https://articlebiz.com/article/202242-the-flood-of-the-centuryhttps://articlebiz.com/article/202242-the-flood-of-the-century
By: Mark Boardman
In April and May of 1997 the Red River, bordering North Dakota and Minnesota flooded across the Red River valley causing $3.5 Billion worth of damage, making it one of the most expens...