Identity Theft Protection Red Flags

 

Anyone who has been  victim of Identity Theft knows it is a hassle. 

There are steps a bank or lender are required to keep you safe; but

you must also be diligent.

Change your passwords on any money account or any that hold a credit card

Review your statements

Give your bank or credit card company your cell phone and email that you open

Opt for two stage authorization

Delete credit cards from old accounts that are dormant

When you receive an inbound email look at the email address of the sender.

If you don't recognize the sender, DO NOT click on any links.

Facebook, Apple, Google do not need your real date of birth or address.

Lenders, banks, mortgage companies those who collect payments and more must follow

new Red Flags laws to protect your information. Here are some handy questions

and answers about identity theft red flags

	1.	Which could be a red flag?
		A. Document that looks altered or forged B. Person on ID does not look like person present X C. Both A and B D. Neither A, nor B SEE EXPLANATION

 

	2.	A compliant Red Flags Program will have policies and procedures to identify, detect, and ______ Red Flags
		A. Respond B. Investigate C. Remove D. Prevent SEE EXPLANATION

 

	3.	Banks are required to exercise effective oversight of service providers for Red Flag Rule compliance.
		X A. Always B. True, only if they are conducting activities covered by the Rule C. Never D. True, only if they have subscribed to implement the same policy as the bank. SEE EXPLANATION

 

	4.	Which of the following is not required in a Red Flags Rule program?
		A. Detail on how the program will keep current with new threats B. Appropriate actions it will take when it detects red flags C. A manner in which to detect red flags X D. A list of penalties for those accused of identity theft SEE EXPLANATION

 

	5.	The four steps that are required as part of the Red Flags Rule are?
		A. Identify, Detect, Respond, Update B. Find, Investigate, Suspend, Remove C. Inquire, Evaluate, Act, Remove D. Find, Evaluate, Respond, Remove SEE EXPLANATION

 Anything too good to be true is a sign to run.

mortgages

Flowers Four Dollars

Artichoke Flowers Four Dollars Each

I love artichokes, steamed with lemon peels, or boiled with rosemary, or simmered slowly in garlic.

This farmer was digging up the spent flowers, as the heat spell sent the vegetable into flower then seed mode, no longer edible but pretty enough to sell at the farmer's market. I love that he didn't give up on making profit from his mistake and presenting a wild looking thistle on a contrasting color tablecloth with his cute marketing sign. Success comes when you keep trying. See the opportunity and create something. When you fail you say to yourself, what did I learn from that moment? and plan again, shake off the dust from the trucks speeding in the fast lane and get back on your own road. This time is hard being apart from friends and those we love. Call them, write to them and
for heaven's sake stay off the yelling opinions on social media.
Much love
I hope my echinaecia, dalias, zinnias in kerr jars make you smile and give you courage. You know the simple coneflower does fight virus and infections.

Fog

The Fourth of July is coming this weekend. It feels strange to enjoy a holiday when
the world is upside down. The 4th has been one of my favorites to enjoy with family.

San Clemente, San Juan Capistrano and Dana Point are going ahead with fireworks
shows this year. My sister is having a gathering on her boat, but some of her friends
are not planning to wear masks so I'm not attending. Makes me blue, last year there
was heavy fog for the fireworks and I wonder if our June gloom continues???

News in my life: I started with Sun West Mortgage Company this week. They have
some amazing programs such as being able to close loans with very low FICO scores
and a full line of FHA, VA, Jumbo, Bank Statement Loans, and Construction. If I
may be of any help to you please feel free to call me. (949) 784-9699

Mission Plan

cowboy

Sunday afternoon making my list for the coming week.
It's been a wild ride.
With a heavy heart I resigned from Pinnacle Home Mortgage. I didn't leave
because of anything structurally wrong there, its more about the changes from
Covid19 in the past months.
Allow me to back track, our group recently started before the quarantine
we did not have our lease signed with Irvine Company,
these rodeos are a dance back and forth and then was put on the
back burner as the office is in a high rise which involves a long elevator ride,
setting up safety for cubicles and new design concepts. So we struggled with
work from home. However, my home is a working ranch with all the confusion
of a carnival. Backhoes digging the road above me, a wasp infestation, then the
bee swarm, next the rats attacking my tomatoes, and not least OCSC Helicopters
"The Duke" and Duke II landing on my driveway in trouble. In the past four
years I always called the ranch the quietest place on earth, but neighbors construction,
Rancho Mission Viejo policing and Nature seemed to converge into the looniest storm
during the days I was squinting using my tiny laptop at home.
Then my boss and his boss started rumbling about jumping ship to join another company.
I kept my head down and didn't engage in the discussion, not wanting to disturb
my mortgage clients or worry my Realtor partners. When a tornado is on the horizon:
count the cans of peaches in the cellar, make sure there is water, and a bottle of fine wine.
Thanks 'rona for adding more pounds on my body.

Meanwhile I'm talking with an entity about doing something else big and somewhat related.
Packing boxes, listed artwork at Sotheby's, learned selling books on Abe books is not
profitable because their monthly fee is $25 and they underestimate shipping costs - I lost
about $38 per book on shipping to Europe, by the time I caught the problem too late.
I cannot donate books to the public library, because of the 'rona...
 (I have about 3000 art books I want to lighten my load).

Change is good. Time to lose my extra 'rona weight gain and Marie
Condo my personal belongings.

Training started for Sun West Mortgage this past week, and with Google now Zoom we
had a bit of confusion on the time and rescheduled the date. I have now worked on every
software in the mortgage and mortgage servicing arena, even build some early DOS ones
then also customized Encompass and Point. Not worried about new systems, that's the
least of my concerns.

I wonder about the changes ahead for those who work in offices and retail and every structure
for that matter. I was researching stocks of companies that make products that kill virus on
surfaces.  I searched companies that make products that will profit in this time, but also who
may invent or adapt something to use for office, restaurants, buildings where humans work.
Disinfectants Sanitizers like Virucide* used in Hospitals, Institutional and Industrial
Virkon, Clear Lemon, and Agriculture and Veterinary Cleaning products that kill virus.
What types of ultra sonic light or laser or something hot could be used in air filtration
systems? What could we do to kill virus on contact? Just tangent thinking and worrying about
working on the eleventh floor with thousands of people who in Orange County are refusing
to wear masks. I will let you know when I have some answers.

My list is ready for the week.
Mission planned out.
Got the groceries for the meals planned,
get four miles in every morning around 5:30,
make 40 calls from 2-5,
set up new CRM 3 hours before lunch,
pray the rosary daily,
and keep my children on track as well.

Search for my next leap
God bless you all.
Please wear a mask

photo booth

exotic bugs labelled

figurines hand carved

bugs

votive candles

ghost of Saint Francis

wooden crucifix

Corona De Maria 

San Juan Capistrano grave yard

mission grapes

votives