With early morning temperatures hovering in the mid 40s around here, the dawn bike rides have pretty much come to an end for the season. I have to put it off until close to mid day when the temps get up to around 60 or so. This upcoming week is supposed to be warmer, but I have to face the fact that the bike season is going to be over in the very near future and it’s going to be back to walking and jogging to try to get exercise, so I’d better check out the treadmill and make sure it’s in good shape. A lot of streets here in town don’t have sidewalks at all, so if you’re a walker/runner you’re either forced out onto the slush and salt covered streets and risking cracking your head open when you slide on the ice, or you look for indoor alternatives.
Despite the cold mornings, it’s still amazingly beautiful out there. I’m determined to enjoy it while I can because it isn’t going to be long before it looks like this over there on the right.
Don’t get me wrong. I’m one of those weird people who actually likes winter. But even I have to admit that as I get older my tolerance for cold has diminished.
I keep telling myself every winter that I really need to get outside with the camera because snowscapes and winter scenes can be amazingly beautiful. But then there’s the whole thing with the feet turning into blocks of ice, fingers going numb, the camera’s focus freezing up and all that.
Equifax debacle – By this time you’ll have heard about the Equifax data theft incident where apparently everyone’s SS number, name, address, date of birth and other identifying information was stolen. Basically if you’ve ever had a credit card, applied for a loan, etc., your data was in the system and it got stolen. Mine did, my kids’ data, my wife’s… Pretty much everyone I know who’s checked was hit.
So if you’re wondering if you’re one of us, you almost certainly are. I won’t give you the web address to go to check at Equifax. That info is available all over. Just make sure you go to the right one and not some phishing site. You can be sure that in the coming days the scammers will be trying to take advantage of the situation with phony credit monitoring services and other BS. So be careful out there.
If you’ve been hit, what do you do? Do you sign up for the one year of free monitoring the company is offering? How much good it will do is questionable, but it might give an early alert if something starts to happen. The thing is, the company is only offering you one year of free monitoring, but that data that was stolen is going to be out there forever. Just because it wasn’t used in one year doesn’t mean it won’t be used next year, or the year after.
You should seriously consider freezing your credit entirely. Yes, you can do that. If nothing else, that should prevent scammers from using your identity to open up new lines of credit, take out loans in your name, etc. You have to do it with all three credit bureaus, and there are fees involved. That depends on the state you live in.
I’m going to do something I don’t normally do very often, recommend someplace to go to for advice and information. That’s Clark Howard’s website . Clark Howard’s website will give you information on what to do, how to monitor your credit for fraud, and how to freeze your credit.
I’ve heard of several incidents where the Equifax site is giving conflicting information about whether or not a person has been hit by this. One person checked on the Equifax site and was told it “appeared” they were not. She checked again a few hours later, and was then told she was. She went through the process again a short time later, and was told again that she wasn’t. In any case, Equifax isn’t giving any firm answer. There are a lot of “might”, “maybe”, “apparently” and other weasel words being used with no actual confirmation.
There are a whole lot of questions that need to be answered over this. Like how did this happen? Why wasn’t this data heavily encrypted so even if it was stolen it would be useless? And why did two or more corporate officers sell their stock in the company after the breech was discovered but before the data theft was made public?
I can’t leave you all depressed and worried, so here’s a flower to cheer you up.