How to protect yourself from Identity Theft

People will never seize to amaze me. Just when I think it can't get any worse, it does. I took a small break from this blog and social media last week due to an amazement that came in a bad form. I had my identity compromised. Even though we live in a digital world these days, we also must remember that everything, and I mean EVERYTHING is accessible online. Even if you do not shop online or electronically pay your bills, chances are your banking institute is online.

I was only informed I had an issue when my bank sent me a new debit card. My current card was getting ready to expire so I thought nothing of it. I looked at it quickly and thought the numbers looked different but thought no more about it until my bank called me. They had asked about a check coming through that they thought was suspicious. Thankfully I was aware of this particular check, but that did spark my thought about the new debit card.

After speaking to another bank rep, I was informed my identity had been compromised and there was suspicious activity on my account. (Funny how they never called me about those issues..). I got everything sorted out and my new card activated before it really hit me. Someone had access to my personal information and could have potentially did some damage to my finances and my name. 

Identity theft is a real thing and can happen to ANYONE. I thought I was doing a thorough job of keeping all of my personal and financial information safe. I check my accounts every couple of days to make sure everything looks kosher. Just like that things can get scary. For this reason alone I asked lots of questions on how to do an ever better job at keeping my identity safe. Here are a few tips I learned so I wanted to throw them your way:

Change passwords regularly. A lot of financial institutes already make you do this, but if they don't do it yourself. It really can make the difference.

Credit Reports. Get yourself signed up for a program that provides you with quarterly reports. A lot of these programs will also alert you if you have any suspicious activity on your account. I have a program with my Discover credit card but unfortunately it is still in my parents address so I did not get any word of the issues going on. #fail

Protection. Similar to the reports I get from Discover, there are programs out there that are strictly in place to monitor your identity. I am personally looking into using Life Lock. A co-worker suggested it when I mentioned this little adventure. It offers detection, alerts, and restore services. There is a small fee a month but they will fight for you if you ever have an identity issue. Truth be told just because your bank got hacked doesn't mean your bank won't fight you tooth and nail with overdrawn charges and such. I know someone who was sent to collections from their bank and it was the banks fault. Crazy stuff out there folks!

Beware of Scams. This sounds like a no brainer but there are so many scams out there asking for your personal information.  Being in the freebie business (yes I consider it a business.. it takes lots of hard work!) I have to be very careful with who I give my info to. If it seems to good to be true, chances are it is a scam. There are new scams everyday and they are getting more and more believable so keep your guard up.

I hope this never happens to any of you, but if it does make sure you are prepared. Get yourself protected. This was such an eye opening experience for me and now I don't feel at all guilty to purchase a plan that will help me fight back had this been a serious threat.

Have you ever had your identity stolen or compromised? Were you prepared for it? I would love to hear how you handled this serious situation.









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Sunday Rambles

Ahh Sunday. So nice to see you. I don't normally post on Sunday but today I felt like I had a lot to say and I wanted to just get it all out rather then wait until next week. Taking a bit of a break from the blog was nice for me. I didn't take the break for clarity but I certainly thought a lot about where I want my blog to go and what I'd like it to look like. I have been blogging almost a full year and really wasn't sure where my blog "fit in" and what I wanted to become of it.

This past week I really put into perspective what I wanted from this blog. I want to get gratification from knowing someone was able to read something I wrote and use it somewhere useful in their lives. I am definitely drifting slowly into the health and fitness world, but I don't want to be labelled as that one thing either. I was out and about today in this beautiful weather we are having in Central New York and thought about the city in which I live.

My city is a very health conscious place and there is always something to do here that links in with staying healthy and fitness. There are oodles of yoga studies and massage therapists. Health food stores and natural artisans making all kinds of soaps and green options. It is here in my city that brings all kinds of inspiration to my every day blogging.

By the time I hit my 1 year bloggy birthday on May 1st I want to be incorporating more local posts here on my blog. I want to share with the world some of the great things you can find and do here in the Finger Lakes region of New York. Anything from state parks, restaurants, wellness options, hospitality options. I want to dive into as many things as I can and bring a weekly segment here.

Summer is quickly approaching and this area is an amazing place to visit for a couples, girls weekends, or families. Whether you are a fellow neighbor or someone looking to explore the area I hope you will enjoy these weekly segments. A few things you can look forward to that I will be attending this coming week and writing about are:

 4/16/2015 Avanti Trunk show at Miel Beauty Bar featuring Red Head Wine

4/17/2015 The Hangar Aces Red Event at the Hangar Theater

4/19/2015 3rd Annual Spring Tea Fundrasier at the Dryden Community Center

I also visited a newer restaurant in Ithaca today called Red's Place and will be writing about that as well!

If you are local to me and have an event coming up that you would like me to write about please send me an e-mail! I would love to work with you! 

I hope you will enjoy these upcoming posts and have a great week!
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After these messages I'll be right back...

Some of you may have noticed my absence this week here on the blog and on social media. Due to some unforseen issues I am going to be away from the blog for the rest of this week. I am planning to be back next week with my short girl series premiere I promised this week. Please bare with me and I will be back stronger then ever next week :)

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