Our Top Tips of 2015

Legal troubles come in countless shapes and sizes.

In 2015 our team provided legal tips on a multitude of significant subjects including protecting smartphones, preventing scams, safe driving, enhancing credit and more. The following short articles and tips were among our most popular and informative of the year. Contact your LegalShield provider law firm if you have questions or require assistance.

Get Smart: 9 Methods to Protect Your Smartphone
Your smartphone contains a great deal of private data. In the wrong hands, that information could be utilized to access your 

financial accounts or even open new credit lines. There are measures you can take to make your smartphone safe and secure and to safeguard your data. From enabling your phone's safety and security functions, including anti-theft apps and properly vetting Wi-Fi hotspots, our tips have you covered. Stop Undesirable Calls and Text Messages-- Many aggravating text messages as well as sales calls can be avoided. You can register for the Do Not Call List, report illegal calls and also prevent texts through your phone provider. Read our article linked below and follow the steps in order to limit the number of spam calls and texts you receive.

Millions of individuals and households

struggle under the weight of overpowering financial obligations. Debt not only produces monetary difficulties it can also damage marital relationships and trigger stress and anxiety that results in health issue. There certainly is hope for debt recovery. Read our article linked below for more information concerning setting budgets, focusing on debt and working with creditors. Contact your provider law firm in the event that you need additional assistance. Take Action Now in order to Decrease Your Debt—

Scam Alert: Beware Scare Tactics

Fear is typically utilized by scammers to generate rash and unwise decisions from victims. Scammers want you to act upon impulse, instead of taking a minute to consider the situation. Be wary of threats of police action, cyber extortion and phishing scams. call You should ll your LegalShield provider law firm prior to giving your personal information or money to anybody trying to intimidate you with scare tactics. Find out more by reading our article linked below.

5 Illegal and Deadly Driving Habits
It is very important to understand the risks, both legal and deadly,due to bad driving behaviors such as texting while driving, excessive speeding, aggressive driving and buzzed driving. Make sure to explore these dangers and share this article linked below with young drivers and other loved ones.

9 Questions Every Tenant Should Ask
Renting a house, apartment or condo is a legal transaction that requires thorough review. In most cases the term of a rental contract is at the very least a year.This is a long time to be stuck in a contract you do not completely comprehend.

It is essential to have your LegalShield provider law firm examine the terms of your lease prior to you signing. Read our article for more information regarding privacy rights, repairs, renter's insurance policy and lease termination. 

Link to the articles referenced above

http://connect.legalshield.com/hubfs/member_newsletter/June_2015/8_v4.html

http://richardbentley.us/

Other Websites of interest
http://infocard.cc/

http://101smallbusinessmastermind.com/index.php/2015/12/10/podcast-69-and-then-the-terrorists-came/

http://frankseringa.com/

Cybersecurity Expert Gary Miliefsky

5 Illegal and Deadly Driving Habits

 LegalShield provider law firms frequently aid registered members who receive traffic citations; breaking traffic laws can certainly have a substantially greater repercussions than a simple traffic ticket. Causing a collision due to negligence could kill or seriously injure your family members or other drivers. Review and share the following information with your friends and family, particularly young drivers.

Texting When Driving a vehicle-- Driving while texting, emailing or using a smartphone is prohibited in the majority of U.S.A states as well as most Canadian provinces. While the laws may well differ based on the age of the vehicles driver or the type of device being

used, one point is definitely certain: distracted driving is hazardous. Numerous research studies have unanimously revealed that texting or utilizing your smartphone while driving substantially raises your chance of an accident. Injuries together with deaths due to distracted drivers have sky rocketed in recent years. Pull carefully to the side of the road and stop well before texting or making use of your smartphone.

Not Wearing Your Seatbelt-- Many states as well as provinces have already made operating a vehicle without a seat belt a citable infraction. Make certain you and all passengers riding in your vehicle are definitely buckled up. Young children need to be in an age appropriate child safety seat or booster.

Aggressive Driving-- Aggressive motorists are unsafe. Weaving in and out of traffic, tailgating and cutting off other motorists can easily cause accidents along with negligent driving charges. 

Depending upon where you live negligent driving could be a

criminal offense and can result in the loss of your license, costly penalties even jail time.

Excessive Speeding-- Excessive speeding does not indicate sometimes going a little bit over the speed limit. Excessive speeding frequently involves driving a vehicle at life-threatening speeds, putting you, along with others in jeopardy. Numerous states along with Canadian provinces have recently set thresholds with regard to charging speeders with reckless driving. Being caught speeding in excess of the threshold might mean you are going to receive a reckless operation of a vehicle charge.

Buzzed Driving-- It is not a surprise that drunk driving is dangerous as well as prohibited, nevertheless some drivers rationalize it is all right to have just a couple of drinks right before they drive. Many

states along with Canadian provinces have substantially brought down the blood alcohol level satisfactory for operating a vehicle. In some cases a couple of drinks could land you a DUI charge. Actually blood alcohol levels below the legal limit can impair your operating a motor vehicle and also raise your possibility of injury or perhaps death in a car accident. Teenagers face zero tolerance laws with respect to driving under the influence. This means that it is illegal for someone below the age of 21 (22 in Canada) to have any measurable amount of alcohol in their system while driving. Very first offenses of DUI or perhaps DRUNK DRIVING might possibly land you incarcerated as well as leave you with a criminal record. The best way to avoid
 DUI and DRUNK DRIVING accidents and criminal charges is certainly to avoid drinking and driving a vehicle all together.

If you receive a traffic ticket as well as have been arrested for a criminal offense pertaining to driving, call your LegalShield

For more information On LegalShield's legal plans please visit
                              richardbentley.us 



   
Other websites of interest are:

http://infocard.cc/   


http://101smallbusinessmastermind.com/

provider law firm right away.

ANATOMY OF A SCAM

There is no specific category of people that is more likely than any other to be the target of a scam. Kroll's licensed private investigators talk to people from all walks of life who have actually fallen victim.

To protect against a scam, it really is helpful to have knowledge of how one is put together. Here we take a look at the basic components:

Contact information and facts are accumulated. The scammer has acquired a few of your personal identifying information (PII) that may include, name, email address, telephone numbers, address, and/or other relevant information they may use to reach you. In the event that contact information is not first acquired by the scammer, then they will lay out a lure of some kind-- a fake job opportunity advertisement, for instance, which could induce you to connect with the scammer
first and supply private identifiers.

A compelling experience is presented. This is precisely where the scammer delivers the good reason they need to have PII and/or money from you. The fabricated reason may well be one of the following:

You won the lottery held in another state or country (even though you never entered into that lottery game).

You are offered a well-paying, work-from-home job.

Your credit card or bank account is in danger of being closed or your availability to it not allowed.

A person in a foreign nation requires your aid getting millions of dollars transferred to the United States of America.

The target of the scam supplies personal important information or perhaps hard earned money. Here is usually where the trouble begins-- you give them your own personal identifiers, a way in to your credit card or bank account or accept a bad check presented to you by the scammer.

The scammer is rewarded. Immediately the scammer will begin to operate using important information supplied by the scam target in order to steal hard earned money, open brand new credit accounts, or trick the victim into providing money to the perpetrator of the fraud.

USE THESE SUGGESTIONS IN ORDER TO STAY CLEAR OF FALLING VICTIM TO A SCAM.

Hang up on anyone that you think is a scammer. Do not press any buttons on your telephone or even speak to the caller.

Legitimate companies will certainly not send email or text messages asking for your PII. Eliminate this kind of communications without taking action.

Don't trust Caller ID. Scammers can easily mask their number.

Think of exactly what you are asked about before giving your PII, clicking on a back link within an email message or responding to an offer, etc.

Do not pay any funds regarding an unpaid debt that is not your own.

Never provide anybody your username or passwords.

Beware anytime making use of an online search engine. The very first web links listed are paid advertising campaigns and might not be the website you are searching for.

In closing use common sense and do not give anyone your private information. 

Please visit richardbentley.us for more information on how to protect yourself from identity theft.
    

                                         

Other websites of interest :  

101smallbusinessmastermind.com/Master_Mind_Pages.html

http://www.infocard.cc

searching for.

3 Reasons Why Hackers Want Your Email Address and 6 Ways to Protect Yourself

A business insider not too long ago generated an unsettling lineup of, 9 items you are actually able to employ the services of a hacker.  For as low as $1.25, swindlers are actually prepared to perform pretty much anything from scamming a Netflix security password to sabotaging another person's Internet site.

"Fortunately many open requests for hacking assistance continue to be unfilled" says Matt Kidder, an expert private detective with Kroll, the global risk mitigation leader that powers IDShield. The more substantial consideration is actually that there is a criminal organization of experts more than ready to hack for money and numerous underground crime rings around the globe which perpetrate scams for profit.

"Among one of the most preferred forms of identity theft is actually email hacking, because e-mails are  frequently the entry to an individual's life on the internet" Kidder details. As documented by the United States Department of Justice, one of the most extensive data breaches in the history of the Internet involved the hacking of e-mail service providers throughout the United States. The hackers presumably made millions of dollars by stealing more than a billion email addresses from e-mail service providers. Last summer, Russian criminals ripped off 1.2 billion usernames along with passwords in order to send spam in behalf of paid clients.

Kidder points out three primary main reasons why thieves would like to hack into your personal account:

1. E-mail account takeover: "A hacker could easily e-mail your contacts as if they were actually you. The emails may be common spam, or perhaps an effort to gain even more personal information. A hacker is able to change your password to ensure that you aren't able to access your own account, and also can delete your e-mail messages and contacts".

2. Additional account takeover: "Imagine a thief got Bob's e-mail security password. That e-mail account was attached to Bob's credit card accounts and also was utilized in other communications where important personal information was  exchanged. Learning the name of Bob's credit card issuer and other relevant information, the thief could certainly take over the credit card account-- altering the address on the account and requesting a new credit card be sent to that address.".

3. Targeted phishing: "If a hacker can view the businesses you interact with, they could phone or e-mail you posing as one of those businesses and also try to steal even more information from you.".

For Jill Feeney, a business owner from Detroit who counts on email for interacting with her clients, the fear became unnerving when she found out that her e-mail address and password were posted on the "Dark Web". According to Wired, the Dark Web is actually a collection of thousands of web sites which are publicly view -able yet use anonymity tools such as Tor and I2P in order to conceal the IP addresses of the web servers which operate them. These types of sites have "most famously been used for black market drug sales and even child pornography.  According to the publication they are also used  to exchange stolen security passwords along with other illicitly acquired personal information.

Feeney says, "I keep a great deal of personal information and facts within my e-mail folders, the thieves could have carried out practically anything. However, after receiving two different monitoring alerts within the past year, I got in touch with Kroll and they were very professional, answering all my questions. They discovered that my email address along with passwords were on several of the Black Market web sites. It was comforting to know that I had indeed been alerted before anything transpired along with a solution provided by the Kroll Licensed Private Investigators.".

Email theft is, sadly, an expanding trend. To protect yourself, Kidder recommends that you :

1. Make use of safety and security software in order to protect your device from malicious software that could enable a hacker to gain access to your e-mail addresses.

2. Utilize a unique e-mail address when it comes to social networking accounts.

3. Utilize a wide range of security passwords for all accounts to ensure that hacking into one account will not allow thieves to gain access to others.

4. Make use of the security and safety features readily available with your e-mail account (two-factor or perhaps "two-step" verification, backup e-mail for recovery, etc.).

5. Log out of your email account whenever you are not using it.

6. Refrain from accessing your email via public computers, including those in hotel rooms as well as resort lobbies and also public libraries.

Generally speaking, the most efficient way to safeguard yourself is to treat your email using the exact same consideration that you use to safeguard your personal property. In the absence of a Professional service like IDShield in position, your email is like a home with the doors and windows unlocked. 

To learn more regarding ways to safeguard yourself from identity theft, visit www.IDShield.com.  

Or visit richardbentley.us  

Other websites of interest :  

101smallbusinessmastermind.com/Master_Mind_Pages.html


http://www.infocard.cc






































www.IDShield.com.

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Every three seconds there is a new victim

            The ITRC data breach report

As of July 22, 2014 there have been 411 data breaches with 11, 059, 749 records exposed. The Ponemon Institute estimates the average cost per records breached is $145.

http://www.idtheftcenter.org/images/breach/ITRC_Breach_Report_2014.pdf

                      What is a breach?

An event in which an individual name plus social security number

, driver's license number, medical records or a financial record/credit/debit card is potentially at risk

                  The financial ripple effect 

The financial impact on the companies that have been breached is immediate and long-lasting, executives have lost their jobs, there have been layoffs and some companies have even gone out of business because of it. It is estimated it can take up to two years for these companies to rebuild trust and confidence in their brand. If you go to the ITRC data breach report you will see a broad spectrum of businesses, government websites,  hospitals and other health care providers that have been victimized.

Visit the ITRC website and go to the victims help tab  you'll find a wealth of guides, tips and tools to help educate you on how to protect yourself and what to do if you are a victim of identity theft.

http://www.idtheftcenter.org/Help-for-Victims/document-
catalogue.html


                        What's in your car?

If your car is ever stolen or broken into it could be a treasure trove for identity thieves. Most people have their automobile registration, insurance cards, bill of sale for the car and sometimes the repair bills with a credit card receipt attached. We sometimes leave our laptops, tablets, wallets and mail in plain view inside the car. In the wrong hands these items and documents could make your life miserable trying to rebuild your identity.


We all should be very aware of what we leave in our car and don't leave these items in plain sight as an invitation to break into your car or steal it. Most cars have a separate key to lock the glove boxes, make sure it is locked before you leave your car and if you valet park it make sure that the key is with you and don't leave any valuables or any information in plain view. It takes just a few seconds to take these precautions.

             How smart is your smart phone ?

The smart phones have changed our lives forever. You can text, email, surf the web, watch movies, and manage our finances through your smart phone. Which means if it is lost, stolen or hacked into  it provides the identity thieves with a tremendous amount of your personal information.


Make sure you always password protect the phone so if it has been stolen the locked phone will slowdown the thieves access to your information which will give you time to protect your other accounts.

                   Other links of interest

Visit this link to hear our weekly small business Mastermind pod casts

http://101smallbusinessmastermind.com/Master_Mind_Pages.html

My website and my LegalShield hub site
http://richardbentley.us/

https://w3.legalshield.com/aasites/Multisite?site=hub&assoc=rdbentley


http://www.101marketingpodcast.com

http://www.seniorscamspodcast.com

http://www.selfdefenseweaponssite.com/