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protecting privacy

April 30, 2010

id theft and how to prevent medical identity theft

This article emphasizes the behavioral aspects of id theft protection with a focus on medical identity theft, the fastest growing fraud crime sub category of identity theft fraud. Readers are invited to comment and write the author with questions.

Prevent identity theft

Identity theft prevention is most important as fixing an identity fraud crime is expensive in terms of actual dollars as well as hours spent to restore your good name.

The implementation of a high-level privacy living plan is preferred over the purchase of costly identity theft insurance and is more effective in the opinion of this author. The author recommends high-level privacy living as a means of identity theft “self insurance”.

Identity theft insurance plans lock the policy holder into payment of perpetual premiums. Additionally, one who buys the insurance will be required to provide highly sensitive and privacy-invasive personal and confidential information to the insurance company, and this information may be available to many thousands of people who access the data base where this information is stored.

Avoid Medical Identity Theft

Id theft fraudsters are honing in on victims who own medical insurance policies. Consider these fraud statistics that are direct quotes from this website:

http://www.insurancefraud.org/medicalidentitytheft.htm

“Medical Identity Theft”

  1. “More than 1.4 million people have been victimized by medical identity theft. Victims pay about $20,000 each to resolve their cases, and more than half say they had to pay for medical care they didn’t receive in order to restore health coverage. Nearly half of victims also lost health coverage due to the fraud, and nearly one-third said their health premiums rose after they were victimized. Fewer than 10 percent say their incidents were completely resolved. (Ponemon Institute, 2010)
  2. Medical identity theft is the fastest-growing form of identity theft. (World Privacy Forum, 2006)
  1. Between 250,000 and 500,000 Americans have been victimized by medical identity theft. (World Privacy Forum, 2006)
  1. Medical identity theft comprises about 3 percent (249,000) of 8.3 million overall victims of identity theft. (Federal Trade Commission, Identity Theft Survey Report, 2007)”

Based on the above statistics, and the average cost of $20,000 to repair a medical identity theft fraud crime and the quarter of a million reported cases during 2007, it becomes clear that the crime of medical identity theft is becoming an elite score for criminals, and is far and above the average cost of the garden variety, id theft crime of $3,000, (Hall, 2006)

If and when you receive medical treatment, you will want to guard your most sacred identifiers with extreme caution. These include: insurance policy number, insurance company name, name, date of birth, home address, home telephone number, and your most personal of all, your Social Security number.

Avoid identity theft by making behavioral preparations

Prepare for battle.

When you face the Army of clerks who staff the practices of Physicians today, you will necessarily have to provide your insurance policy information and proof of your identity.

Successful privacy advocates do not provide their home address, home telephone number or Social Security number prior to receiving medical treatment due to the risk of having this information stolen by a medical identity thief.

What’s your “social”?

Clerks bark out the question and expect answers or else…..

Stop the nonsense!

You don’t have to participate with the masses who bow and cow to the agents of the  authority-types, (Doctors). In fact, if an identity theft prevention plan is at the top of your agenda-and it should be, your risk is undoubtedly higher when your allow your SSN to be obtained by medical providers than if you do not provide it. This is my experienced opinion.

I do not provide my Social Security number to medical providers and believe to do so would place my identity at risk of being stolen. And I, for one, do not want to risk losing $20,000 due to a medical identity theft fraud crime. So, instead, I choose to exercise my assertiveness and negotiate my way toward cooperating with medical providers while still providing “necessary” personal information.

Thanks for reading.

Grant Hall

How to Prevent Identity Theft through Home Privacy Living

This article will focus on how to prevent identity theft through privacy living principles that preserve one’s most sacred personal privacy asset; the place he/she calls home.

Create a new identity and avoid identity theft

For the highest level of home privacy, create a new identity by assuming an alternate name for privacy purposes. Without a name tied to the  property where you live, an identity thief will have no idea how to find you, and efforts to locate you through traditional spy techniques including county property records and credit bureau files will fail.

How can you create a new identity? Begin using a “pen name” or an alternate name for privacy purposes in order to avoid identity theft, and the high costs associated with this leading fraud crime.

Your new identity is for privacy living and you will continue to use your true name for all official business matters.

Offshore address

An offshore mailing address will enable you to create a location illusion.

Potential identity thieves who go to the extra effort of tapping into data bases containing your true name will discover your offshore address through records kept by those who have it. An offshore mailing address is a huge privacy advantage and will help you avoid identity theft. Criminals who  case your residence will not find supporting identity information to make you  a worthwhile id theft target.

Behavioral considerations

Are you serious about preventing identity theft? Are you prepared to assume a new identity for the purposes of privacy living. There are ramifications to high-level privacy living that you must consider.

Socialization may be modified for the purpose of developing a plan to avoid being a victim of identity theft. For instance, rather than having a birthday party at your home, you may elect to preserve home privacy by meeting friends, relatives, and friends of friends at a public place.

Thanks for reading.

Grant Hall

April 29, 2010

Prevent Identity Theft with Bank Secrecy

Prevent Identity Theft with Financial Privacy

Certain categories of privacy living have multiple benefits for the privacy advocate. For instance, financial privacy, plays an important role in preventing identity theft. This article will provide information on identity theft prevention as a benefit of a bank secrecy plan.

Trust Checking Account

Open a non-interest bearing checking account in the name of a trust. The trust may be revocable or irrevocable and it should have its own Employer Identification number and this number should be used to open the account with a commercial bank, not the Social Security number of the signer and Trustee.

For anonymous banking, use a trust name unrelated to your name as trustee. Instruct the bank to title the account in the trust’s name only without the name of the signer on the account. Naturally, the signer’s name needs to be accessible to the bank personnel as you want to be able to claim the funds, but remain hidden to the outside world.

Keep your bank statements separate from your home address. Receive statements through a mail nominee.

In the event an account statement falls into the wrong hands, your name as trustee and signer will not be included on the statement and your identity will not be tied to the bank account under your control as trustee of the trust bank account.

Identity protection is assured through the use of a trust checking account when it is set up properly with identity theft prevention precautions considered. Establishing bank privacy along with other preventive privacy measures, will positively help one avoid identity theft.

Bank Debit Card

As trustee, you have full control of the account and may receive checks payable to the trust’s name or your name.

Receiving checks payable to the trust and endorsing these checks with an illegible signature or rubber stamp with the trust bank account information only will preserve your banking privacy as a signer on the account.

Obtain a debit card with the trust’s name only on the card for bank privacy purposes. Bank secrecy is virtually assured when the trust’s name is on the card without the name of the trustee.

Bank secrecy of a medium level can be accomplished with a trust bank account as only the bank personnel will have your personal information on their records, and your banking privacy will be greater with a trust checking account than with a checking account held in your name with your social security number as the tax payer identification number.

Summary

Bank secrecy-even at the medium level as described herein, offers substantial identity protection advantages over keeping one’s money in a traditional checking account.

Preventing identity theft is a process that involves privacy living in various aspects of one’s business and personal life.

Financial privacy through the use of a trust bank account offers substantial protection for identity theft prevention.

ID theft protection through a “self insurance” plan involving banking privacy as a component of the overall identity theft prevention plan has privacy advantages over traditional identity theft insurance as only you, not an entire insurance company, have access to your personal and confidential information.

Certain privacy seekers may choose to operate entirely under the radar with a high-level bank secrecy plan.

Grant Hall

contact@PrivacyCrisis.com

April 25, 2010

Stop Stalking with Online Privacy

Stalking crimes sometimes result once a stalker tracks his stalking victim through her credit card. This stalking article will provide a resource for credit card privacy. Harassment stalking is a dangerous crime and online privacy will help stop stalking crimes.

For online purchases, utilize a gift card instead of your bank debit card or personal credit card. Why do you want to avoid using accounts linked to your name? Because persistent stalkers sometimes go to great lengths to find their stalking victims and your credit bureau files and bank account information can be obtained by a criminal stalker who has the resources and time to invade your financial privacy.

For online privacy, purchase a gift card worth up to $500.00 and register the card anonymously to prevent a link to the real you. Another online privacy idea is to keep your email privacy intact by setting up an email account that is used infrequently and has no ties to you. Proxy servers or a third party computer may be valuable for making certain you are not tracked and traced while surfing the internet. Your online privacy is assured when you use a third party computer such as a library computer or an internet cafe computer.

Banking privacy and credit card privacy are necessary to ensure your financial privacy is not invaded by one who has stalked you or has you targeted as a stalking victim. When you are bothered by a dangerous stalker, it is imperative that you take the time to preserve your online privacy as you use the computer. Certain stalking victims have been stalked by their tormentors for decades.

Privacy protection is a serious matter and anonymous purchases with a gift card will preserve credit card privacy and online privacy.

Thanks.

Grant Hall

contact@PrivacyCrisis.com

April 24, 2010

Avoid Identity Theft with these Identity Theft Tips

Identity theft fraud crimes continue to rack up alarming statistics placing id theft at the forefront of fraud crimes for the last six or seven years. This identity theft article will clear up some of the myths about the crime and provide guidance for preventing identity theft. The focus of this piece is on personal privacy to prevent identity theft only. A future article will address business identity theft prevention in particular.

For those who have continued to live as the masses live, I urge you to consider adopting a more private lifestyle in order to disallow would-be identity thieves the opportunity of stealing your true name.

What is known and done by a large number of people to accomplish a specific goal is seldom the most effective. This holds true in all fields and preventing identity theft is no exception. So, in the event some of you consider my recommendations to be on the radical side, these ideas and tactics do work in real time and while under fire. I guarantee it.

While clever talk show hosts and online advertisers advocate identity theft insurance, my first reaction as a privacy advocate and author is this question; How does one expect to gain a privacy advantage and prevent identity theft by turning over his/her most personal and confidential information to an insurance company with many thousands of people in their employ?

As per my research, an insurance representative represented that these crucial identifiers are required if one wants identity theft insurance coverage; true name, home address, home telephone number, credit bureau file information, Social Security number and work address and employment information and other personal information as needed. Requirements will vary from carrier to carrier.

Based on my expertise, I believe it is a huge mistake to turn over all of the aforementioned information for identity theft prevention. Instead, I highly recommend the following recommendations for those who want to prevent identity theft through privacy living.

Grant Hall’s Identity Theft Tips:

1. Use a pen name for unofficial business as per your personal privacy requirements. Use an alternate identity.

2. Do not share your home address with anyone unless you want them to visit you where you sleep. Live anonymously. Do not give landlords/ladies your credit bureau report prior to signing the lease. Anyone can find you through numerous data bases when you live as  the masses live.

3. Never give your Social Security number to anyone unless you want them or their agency or company to have a Key to your life’s history.

4. Do register your car correctly as I have described fully in my writings. A trust is the most private of all entities. Learn what you are doing before you visit the DMV or other agency that registers cars in your state.

5. Avoid being in employee data bases. Use an LLC or other entity to preserve your workplace privacy.

6. Freeze credit reports.

7. Bank anonymously.

8. Hold entities privately. Register them correctly. This will appear to be expensive to the unseasoned, novice. In fact, once everything is in place, maintenance fees are reasonable.

9. Pay bills privately. Use money orders and cash.

10. Make certain to keep phones, e-mail addresses, domain registrations private.

There are more identity theft prevention principles and concepts that will serve you  well depending on your particular requirements.

Thanks for reading.

Some of you have given me positive feedback on this blog. Address your questions to me at this e-mail, please:

Grant Hall

e-mail: conatact@PrivacyCrisis.com

April 23, 2010

Should Stalking Victims Create Financial Privacy?

You’re one of nearly every ten women in the country who is being stalked by an obsessive ex-boyfriend or ex-husband. Perhaps you are a man who is being trailed by a cyber stalker or phone stalker. You have tried to establish home privacy so he won’t find you in the credit bureau data bases or county records. Your car title has been changed, too. The new job you have taken ensures workplace privacy-you hope. All of these high level privacy living tactics have been completed according to proven privacy living methods.

Should you try to establish a financial privacy program? Yes.

Bank secrecy means no one will know where to find your money. And while a commercial bank checking account held in one’s name offers convenience and is economical to maintain, leaving money out in the open provides a subscriber to certain data bases with information on where to locate your money.  What are your banking privacy options?

BANK SECRECY OPTIONS

A trust checking account opened properly without sacrificing one’s identifiers will offer a certain degree of privacy. Make certain to choose a name unrelated to your name and use an Employer Identification Number obtained anonymously as the tax payer number on the account. There should be no trace of your name or address tied to the account for the outside world to see. Bank secrecy takes time, extra effort, and is more expensive than banking the “normal” way, so recognize what you’re up against as you keep your money secrets.

A private banking privacy option involves pseudo banking establishments called check cashing stores or check cashing services. Once an “account” is opened, you will be able to “cash and carry,” and practice cash banking, the most private way of keeping money under your control. Your endorsed check will be deposited into the financial institution’s corporate account and you will receive your cash on the spot. Now, you have cash in hand and have no risk of having your “bank account” discovered through a search, and statements will not be mailed to you when you practice financial privacy through the use of check cashing stores.

Receiving your payments for employment or work under the name of a secretly registered business entity, ensures your workplace privacy and financial privacy.

Safes and safety deposit boxes established in entity names which are registered anonymously will complete a bank secrecy program.  Follow the proven privacy principles and methods that have worked for high level financial privacy.

Thanks for reading.

Grant Hall

contact@PrivacyCrisis.com

www.PrivacyCrisis.com

April 18, 2010

April 14, 2010

Stalking Victims and Stalking Crime Statistics

Stalking behavior can turn into a serious stalking crime. Stalking victims should be aware that cyber stalking, phone stalking, and all forms of harassment stalking may result in harm or even death.

Stalking crime statistics reveal that those being stalked are at risk of suffering harm from a stalker.

The statistical information below is a direct quotation from a survey posted on the American Bar Association’s website. The  link to the site is: http://new.abanet.org/domesticviolence/Pages/Statistics.aspx

“Stalking According to the Stalking Resource Center:

  • 1,006,970 women and 370,990 men are stalked annually in the United States.
  • 1 in 12 women and 1 in 45 men will be stalked in their lifetime.
  • 77% of female and 64% of male victims know their stalker.
  • 87% of stalkers are men.
  • 59% of female victims and 30% of male victims are stalked by an intimate partner.
  • 81% of women stalked by a current or former intimate partner are also physically assaulted by that partner.
  • 31% of women stalked by a current or former intimate partner are also sexually assaulted by that partner.
  • The average duration of stalking is 1.8 years.
  • If stalking involves intimate partners, the average duration of stalking increases to 2.2 years.
  • 61% of stalkers made unwanted phone calls; 33% sent or left unwanted letters or items; 29% vandalized property; and 9% killed or threatened to kill a family pet.
  • 28% of female victims and 10% of male victims obtained a protective order. 69% of female victims and 81% of male victims had the protection order violated.”

Stalking Resource Ctr., The Nat’l Ctr. for Victims of Crime, Stalking Fact Sheet, http://www.ncvc.org/src/Main.aspx (citing Patricia Tjaden & Nancy Thoennes, U.S. Dep’t of Justice, NCJ 169592, Stalking in America: Findings from the National Violence Against Women Survey (1998)

Some of the most alarming statistics are summarized below: Based on the information above, phone stalking is significant as 61 percent of stalkers made unwanted phone calls, 29 percent vandalized property, and nine percent killed or threatened to kill. Further, eighty one percent of women who are stalked by a previous domestic partner are also harmed by that partner.

If one is being stalked, it may be necessary to learn how to hide and disappear completely and never be found in order to eliminate the possibility of becoming a stalking crime statistic.

For a free information course on stalking solutions, go to this link:

http://www.privacycrisis.com/stalking.html

Thanks for reading.

Grant Hall

contact@PrivacyCrisis.com

www.PrivacyCrisis.com

April 13, 2010

Stop Stalking

Stalking victims can stop stalking when they learn to practice privacy living. Indeed, depending on the level of personal privacy one chooses, it is possible to learn how to  hide and disappear completely and never be found-not from an abusive ex-husband, a workplace privacy stalker, one who engages in phone stalking or any other type of harassment stalking.

Home privacy is of utmost importance to stalking victims or others who want to avoid a stalking crime. Using a new identity and renting under an alternate  name has been effective. Becoming a roommate of one holding a lease or title to a home dwelling is a quick method of living beneath the radar.

Telephones held anonymously will prevent phone stalking. Cell telephones  purchased for cash over the counter without ties to your true name, address or credit bureau files, prevent phone stalking.

Internet stalking, a problematic stalking crime may be remedied while avoiding the use of one’s true name in all e-mail communications, computer registrations, and online purchases.

Harassment stalking can be avoided when high level privacy standards are followed. And being stalked may become a dangerous problem as stalkers are both persistent and frequently harm their stalking victims.

Grant Hall

contact@PrivacyCrisis.com

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