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Identity Theft and Preventions
How Can You Prevent Identity Theft
The best and only way to avoid being a victim of identity theft is to hold your personal information dearly and carefully. Minimize all chances of your information being stolen and misused by getting a firm grip over your personal data.Never be too confident of the measures that you have undertaken to prevent abuse of your information, always be on a look out and always be strict with your information.
Hunt for information
Identity thieves have mastered various techniques and antics to obtain personal information, most common of which are as follows:
Theft
most common targets include purses, wallets, or mail
Garbage Sniffing
A grotesque act of going through your through your garbage at your home or location of business, in search of your personal information on discarded items.
Tricks and Pranks
Luring you into providing personal information especially online, through a website portal or by email.
Gathering information from employee files or from legitimate businesses.
Acting as a new creditor just to get a hold of your credit report.
Shoulder surfing
Looking over your shoulder in a public place, or eavesdropping on your phone calls and making note of it as you supply your personal information.
False promises of Prizes
Getting in contact with you by email or telephone and tricking you into believing that you have won something big and hefty maybe a prize or an award.The only condition they lay forward is that you provide them with your personal or financial information so they can send you that prize or award.
Risky Transactions
Many of the common day to day transactions can increase risk for identity theft. This is only to alarm you and not to say that these actions should be completely avoided but as they say precaution is better then cure. The same strategy applies here, you should exercise every precautionary measure to protect your personal and account information. Some transactions which can compromise security on your information are :
Online banking
Online purchases of goods or services
Discarding pre-printed credit card applications without destroying them
Storing personal information in your computer
Using a cellular phone
Using a wireless phone
Using your Social Security number for identification
Safeguarding Your Information
You can safeguard your personal information by being alert and aware of when and how you use that information, or provide it to others.
Your Social Security Number
Rather than writing it on a piece of paper and carrying with you memorize your number.
PIN Numbers
Rather than writing it on a piece of paper and carrying with you memorize your number. Avoid printing your Social Security number on your checks.
Passwords
Build a wall of passwords to protect your personal information and financial accounts.Paswords should contain both alphabetic and numeric characters and should be difficult for any body to guess. Avoid using personal date such as birthdays etc as a password.
Credit Reports
Obtain your credit reports periodically from the major credit bureaus and review them for information which does not belong to you or does not reflect your information .
Secure Your Computer
If you use a high speed Internet connection, it gets even more important for you to secure yuour computer by the use of a firewall and keeping your system updated to stop hackers from intruding your privacy and getting a hold of your personal information.
Email Inquiries
It's always hazardous to provide your personal or financial information in response to an email based inquiry, and its simply reckless to send that information by email. If you believe a legitimate business of which you are personally sure of, has requested that information, go to their home page on their website to provide it. Type the URL into the browser yourself, do not follow any links in the email. Follow these guidelines to avoid any mishaps because most of the time you will find that, no matter how real it looked, the email was fake and was meant to SCAM you.
Email Attachments
Beware of suspicious email attachments, even if they appear to be from somebody you know. Use an anti-virus software, and keep it updated. An email attachment can turn out to b a worm or virus, which is designed to open a security hole in your computer so that others can later access your hard drive and obtain your personal information secretly.
Website Inquiries
It's better not to provide any personal information online but if there is no other way do it through a "secure transaction". You can tell if a page is secure because the "lock" icon at the bottom of your browser window will appear as a closed padlock. Also, secure URL's usually start with "https://" as opposed to simply "http://", with the "s" standing for "secure". While not all businesses offer secure transactions, by now most of them do.
Telephone Inquiries
Never give out your personal or financial information on telephone, unless you initiated the contact and completely trust the institution or the person on the other end of the telephone.
Credit Card Applications
If you don't intend to complete it, shred it or tear it into pieces before you throw it away..
Credit Cards
Sign your credit cards immediately after you receive them. If a new or replacement card does not arrive in a timely manner as you had expected, contact the financial institution and report the delay in its arrival.
Lost or Stolen Credit Cards
Never waste time in hoping for a miraculous return of your credit or debit cards on their own. Immediately report it to the concerned authorities. Statistically this should limit your liability to $50 for a credit card or $500 for a debit card. If your report is prompt enough Credit card companies could waive the $50 amount.
Credit Card and Bank Statements
Always keep a close watch on your credit card and bank statements for unusual activity.
U.S. Mail
Retrieve your mail ASAP after it is delivered rather then allowing it to unnecessarily accumulate in your mailbox. Use an offical mailbox for outgoing mail, don't leave it in your mailbox for an extended period. If you are going to be away, (especially overnight or over a weekend) have the Post Office hold your mail or have it collected by a trusted neighbor or friend.
Retain Your Receipts
Don't discard bank, credit card, or transaction receipts in public areas but if you have to, make sure that your hace shredded it completely.
Personal Information
Before throwing a piece of paper that contains your personal information away make sure to tear or shred it up completely
Monitor Your Billing Address
If your monthly statement for a bank, credit card, or other account does not arrive on time as expected, immediately confirm your billing address with the issuing company. If you learn that the billing address has been changed or tempered with without your permission, immediately report that the change was unauthorized and that an unauthorized person may be utilizing your account without your consent.
Can you completely prevent identity theft ?
Sadly it’s not entirely possible, especially if someone is determined to commit this crime. But the risk can be minimized by prompt and timely action against any attempts directed towards gaining your identity information and by diligently protecting your personal information with extreme caution.
About the Author
log on to http://www.phoenixcreditsolution.com for all your credit problems.
Can you explain diminishing marginal utility?
I have a sample question that I have been trying to figure out with out any true understanding, if I can understand this I can probably understand much of what I am learning right now so please help 
Leno has 15 minutes between ads. He has to decide how to allocate this time between two guests. One guest's (A) antics begin to wear thin fast. Leno's marginal utility from A appearing is given by MUa=500-20T, where T is the number of minutes that A is on the air. B is a solid, if unspectacular, guest. Leno can count on her and his marginal utility from B appearing is given by MUb=200. A charges $200 per minute; B charges $100 per minute. --- QUESTION: Explain why Leno has diminishing marginal utility with guest A.? (Hint: compute MUa for various amounts of time, T.)
Please help, it will help me understand so much better. Thanks
Your equation itself is the answer:
MUa=500-20T
The more time spend on guest A (T), the lower is the marginal utility Leon derives from that guest since, as you mention, his antics begin to wear thin fast.
For example,
Spending 1 minute on A, yields a MUa(1) of 480.
Spending 10 minutes on A yields a MUa(10)=300.
Spending 15 minutes on A yields a MUa(15)=200
You can clearly see the MU drops as more time is allocated to guest A.
Guest B, on the other hand, gives Leon constant marginal Utiliy: MUb=200, which does not depend on T.
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