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Men's Point of View
07/27/2010
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Preventing IdentityTheft of a Loved One Who Has Passed
By John Sileo
www.Sileo.com


Here are 5 steps to take after a loved-one has passed away to make surethat their identity rests in peace:
  1. Short Obituaries. Make surethat you don't include too much identifying information when you writethe obituary. Identity thieves use this information (mother's maidenname, address, ancestry, occupation, birth date, death date) to set upnew accounts, licenses, etc. in the deceased person's name. It isimportant to honor the person, just don't give away all of theirpersonal information.

  2. Protect Death Certificates.Guard the death certificate like you would a birth certificate or otherpiece of identity. You will need to fax this document to certainorganizations in order to prove that your family member is deceased,but only send it to trusted institutions who absolutely won't take thename off of the account without it. When you are done with the deathcertificate, store the original and all copies in your safewhere you keep other identity documents. Be forewarned that forsecurities sake, many organizations are requiring an original copy ofthe death certificate as proof, so ask for 10-12 originals copies whenyou request the death certificate.

  3. Notify Credit Bureaus.Immediately notify the three credit reporting bureaus that your familymember has passed away. Request that the credit report is flagged withthe note: Deceased, Do Not Issue Credit. Request a copy of thedecedent's credit report so that you will have a list of all of theaccounts you need to modify/close (see Step 4). The procedure varies bycredit burea, so the numbers to contact them are asfollows: Experian - 888-397-3742; Equifax - 888-766-0008;TransUnion - 800-680-7289. Don't wait for the Social SecurityAdministration to notify the credit bureaus - it takes them too long!And make sure to log all correspondence and conversations and senddocuments via certified mail so that you have proof of delivery, shouldyou ever need to dispute a claim of non-receipt.

  4. Notify FinancialInstitutions. Notify all banks, insurance companies, credit cardcompanies, stock brokers, mortgage companies, loan/lien holders,etc. about the death of your family member (if it was a jointaccount OR an account under their name). The executor or survivingspouse will need to resolve all outstanding debts and how they will bedealt with before the account can be closed or the deceased person'sname is removed from the account. Also notify the Social SecurityAdministration, Veteran's Administration, Department of Motor Vehicles,professional license associations (Bar Association), membershipprograms (Costco, Sam's, Blockbuster, etc.) and any creditors orcollection agencies with which the deceased had an account ormembership. This is a difficult time to put in all of the work toprotect an identity that should be left alone; but the current realityis that the identities of deceased individuals are easier to steal andabuse than those of the living.

  5. Share Wiselywith Family Members. Unfortunately, many cases of deceasedidentity theft are committed by a member of the deceased's family. Itmight be a relative who is in financial trouble, a friend whohas a costly addiction or a child that they were wronged inthe will or estate planning. For that reason, the identifyinginformation of a deceased family member should be kept to as small acircle as possible. It seems to work best when one family member is thepoint-person for collection of documents, closing of accounts, checkingof credit, etc. Generally this is someone other than the personwho organizes all of the other events that surround the death of aloved one.
About the author: To furtherbulletproof yourself and your business, visit John's blog at www.Sileo.com. To book John at your next event,visit www.ThinkLikeaSpy.com.John Sileo became America's leading Identity Theft Speaker amp;Expert after he lost his business and more than $300,000 toidentity theft and data breach. His clients include the Department ofDefense, Pfizer and the FDIC.Permissiongranted for use onDrLaura.com.

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06/08/2010
IconAfter first listening to you about a two years ago, I took your sage advice and started my trek toward being thin and healthy. I was so fat the Army wouldn't take me. More >>

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06/08/2010
IconI have 1 boy and 4 girls and I wanted to tell you about our family's experience when my daughters started dating. More >>

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05/13/2010
IconI hear from (and about) a lot of women who say they're not interested in sex, and they are married to men who vowed fidelity, and so those men are now literally out in the cold.Many women can be quite cruel about their behavior:' telling their husbands to "just deal with it" or challenge them into getting a "girlfriend."' These same women may throw a fit if their husband pleasures himself while watching Internet pornography consisting of a man and a woman engaged in passionate sex.Sheesh!' They can't have it both ways, unless women expect their men to bust their buns taking care of children and a wife without the normal, expected "reward" of love and passion.Some women have medical issues which cut down on their feeling sexy, but not many medical issues truly inhibit women from pleasing their husbands, and then discovering themselves getting "turned on" in the process.Most of the time, too many wives just get lazy and self-centered about taking care of their romantic and sexual lives because of kids' schedules, friends and relatives, and "busy busy" stuff that just consumes every ounce of their energy.' Let's be honest - that's an excuse and not a real reason.' You can pace yourself and make choices.' Many women don't bother, and feel that the sexual needs of their husbands are burdens to them and not a compliment or offer of ecstasy.Interestingly, many of these women are the ones who call me, complaining that their husbands don't do much for them on Valentine's Day, or birthdays and anniversaries.' Are you kidding?' What is he to celebrate?' Marriage and family have turned him into an asexual monk!Women's sexuality requires "priming," while guys are just about always "ready to roll."' A lot of that priming has to happen in her head:' thinking affectionately about sensual things, bathing, primping and flirting - the kinds of things wives tend to leave at the altar or in the birthing room.I have come to feel sorry for husbands in general in America today.' The feminist mentality that has labeled any male needs as "oppression" has certainly poisoned a lot of minds out there.If you think you're one of those, or if you need your attitude jump-started, read The Proper Care and Feeding of Husbands .' It's helped a lot of women get happier. More >>

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05/13/2010
IconA female professor from Oxford University in England, in an article published in the Journal of Population Economics, has decided that American and British men (who don't mind lending a hand when it comes to housework), make the best husbands, while Australian men are the worst.' She's also "decided" that Norway, Sweden, and Northern Ireland, where men "lend a hand in housework," are egalitarian countries which produce better husbands.I say: unbelievable feminista hogwash!! The professor's definition of a good husband is ridiculous.' Men who are sexually faithful, who work hard to provide for and protect their families, who take care of the plumbing and the lawn are not good husbands, because they don't do what used to be called "women's work."' This is just one more salvo in the war against masculinity, in which men are completely emasculated because they're told that they're neither good men nor good husbands unless they fold the laundry.When women call me complaining about such things (usually women who are at home), I ask them if they drive their husband's route in traffic every day, or if they deal with difficult bosses or co-workers, or if they aren't able to take breaks whenever they choose or take care of all the car and house repair issues.' They say "no," but expect him to do housework in addition to all his other responsibilities.In those situations where both husband and wife have full-time jobs, and there's a "war" about who's going to take care of household chores, I say they should budget and pay for part-time housecleaning help, or one of them ought to reassess their life and decide if having no one at home to make a nest is worth the money they both make.There are biological and psychological imperatives in females for nesting/child care, and in males for conquering/protecting.' When these are turned inside out, there is usually (but not always) a reaction in the female to feel less respectful and sexual toward her mate.' Women don't stare at skinny guys with spectacles when they walk by, but they do stare at Bowflex-toned commercial male actors with huge pecs and biceps.' Why?' It's the animal attraction of a male who, potentially, is sexually healthy enough to produce offspring and then provide and protect.Women who want emasculated men generally have huge hostility issues with masculinity (which they got from their mothers or the feminist teachers of their women's studies courses), and want to be able to control the man (never as much as their mother could) or are just too scared of their normal natural dependency on a real man.A better study would be to find out what household situations make MEN happiest, because those are the ones which, overall, are going to attract the men who make the best husbands.' Happy husbands spend more time with their families, and would swim through shark-infested waters for them.' This particular study?'' Just another piece of feminist propaganda flotsam. More >>

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