Target Boycott

Dear Gregg Steinhafel CEO of Target:

I am a victim of the Target fraud. Offering ProtectMyID is a foolish move.

Experian's software does not do anything to protect from fraudulently charging

on a credit card.

 

I don't expect Target to hunt down the Armenian Mafia, and the Russian mob

who hack credit cards in the billions BUT an insider closed their eyes, allowed

someone access and or saw someone install a scanner and some camera equipment.

Target employees know more than you admit to the public.

Banks also get hacked, they are often silent about the crimes- they pay the loss

and pray the FBI or local police will accidentally run into the criminals.

You need better security because this is still happening today.

My loss was over eight thousand dollars, some of which VISA paid but they won't

point a finger at Target, instead they point blame to some unknown gas station attendant.

Fraud is eating away at the security and confidence in America. While I appreciate your apology,

Target needs to actually do something. ProtectMyID is a joke and an insult to your customers.

Although I have been a red ball flag waver for your brand, a stock holder and a frequent shopper

who spends hundreds of dollars each visit. I will be shopping elsewhere until you tell me you have

reviewed video of every scanning machine at each register to find embed devices that capture card numbers. I suggest everyone boycott your brand. Target likely still has pinhole cameras in stores, in your credit card hubs and headquarters that offer up information to these criminals.

That you take so long to find out they got into your online business is an example of sleeping at the helm. As a shareholder - I say, "you are fired." 

#target #breach thanks for sharing my email, home address, telephone number, social security number, credit card, spending habits and dog license with organized crime

Calling Target Shoppers

 Caroline Gerardo Barbeau
 

 copyright 2014

 

 http://cgbarbeau.blogspot.com/

 

From: Target.com
To: carolinegerardo@
Sent: Wednesday, January 15, 2014 6:00 AM
Subject: Important message from Target to our guests

Dear Target Guest, As you may have heard or read, Target learned in mid-December that criminals forced their way into our systems and took guest information, including debit and credit card data. Late last week, as part of our ongoing investigation, we learned that additional information, including name, mailing address, phone number or email address, was also taken. I am writing to make you aware that your name, mailing address, phone number or email address may have been taken during the intrusion. I am truly sorry this incident occurred and sincerely regret any inconvenience it may cause you. Because we value you as a guest and your trust is important to us, Target is offering one year of free credit monitoring to all Target guests who shopped in U.S. stores, through Experian’s® ProtectMyID® product which includes identity theft insurance where available. To receive your unique activation code for this service, please go to creditmonitoring.target.com and register before April 23, 2014. Activation codes must be redeemed by April 30, 2014. In addition, to guard against possible scams, always be cautious about sharing personal information, such as Social Security numbers, passwords, user IDs and financial account information. Here are some tips that will help protect you: Never share information with anyone over the phone, email or text, even if they claim to be someone you know or do business with. Instead, ask for a call-back number. Delete texts immediately from numbers or names you don’t recognize. Be wary of emails that ask for money or send you to suspicious websites. Don’t click links within emails you don’t recognize. Target’s email communication regarding this incident will never ask you to provide personal or sensitive information. Thank you for your patience and loyalty to Target. You can find additional information and FAQs about this incident at our Target.com/databreach website. If you have further questions, you may call us at 866-852-8680. Gregg Steinhafel Chairman, President and CEO

Is It a Good Time to Refinance?

Committed to Seeing You Home.

Loan Officer

Caroline Gerardo

CarolineGerardo@eaglehm.com

http://www.eaglehomemortgage.com/carolinegerardo

Irvine CA 92618

8105 Irvine Center Drive Suite #500

Eagle Home Mortgage

855-883-4303

949-784-9699

949-637-8190

eFax

Office

Cell

NMLS #324982

Is now the right time to refinance?

Call Today.

NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage  of California. Licensed by the Department of Business Oversight under the California Residential

Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.

Your adjustable rate mortgage payment is increasing.

You want to consolidate monthly debt such as credit

cards, car loans, etc.

Your current interest rate is higher than today's rate

and you want a lower payment.

You want to “cash out” equity to use for college tuition,

vacation, or home improvements.

It could be, if...

As a mortgage professional, I

have helped many different

types of people with many

different needs. Together, we

can discuss your situation and

see if now is the right time for

YOU to refinance.

Living At the Beach

South Laguna Beach home in the morning

Living at the beach has many benefits. Research demonstrates that the view of the sea reduces stress, better air quality improves lung capacity and encourages a healthier lifestyle. I remember my Grandmother with her white legs in the waves patting the salt water on her arms telling us, “ocean water is good for you.” I believe what she said is true.

The ocean also offers natural beauty that people who have daily access to the wonder seem more appreciative of sunsets, the changes in the tide and moments changing in our daily lives.

Living near the daily moisture poses a couple problems to your home. The exterior will require more frequent painting, sealing the windows and looking for rust. Our rooftops seem to get yellowish mold, and actual green moss tends to grow on the north side of brick or mortar. A simple scrub with bleach diluted will keep these at a minimum.

Enjoy winter with moderate temperatures. I had coffee this morning in my backyard listening to the sounds of the tide and enjoying the birds. Perhaps I will walk down to the beach and splash some of those positive ions on us all. Have a happy day!

 

 

 

 

 

Establish Credit

TIPS FOR ESTABLISHING CREDIT

Credit Cards Establishing Credit

Open a Bank Account Open a bank account and use it responsibly. This is the first step to establish a financial history.

Secured Credit Card Apply for a credit card. Shop around and only apply for a card if you can meet the lender requirements. Responsible use will help build a good credit history.

Get a Co-Signer A good way to establish credit is to piggy-back onto someone who already has a good credit history established and is willing to co-sign, but be aware that any default of credit on your part affects the credit of the co-signer.

Gas Credit Cards Since some gasoline credit cards are not revolving they are sometimes easier to obtain than regular credit cards. Similarly department stores offer revolving credit for a specific purchase and this is sometimes easier to obtain. It is also a great way to establish credit.

Information Provided By:
Caroline Gerardo
Loan Officer NMLS #324982 Cell 949-637-8190 Office 949-784-9699 eFax 855-883-4303
C. G. Barbeau   http://www.eaglehomemortgage.com/carolinegerardo

FICO Score is a tool you need in your quiver.

 Understand how to make it higher free- ask me.
  Committed to Seeing You Home. Eagle Home Mortgage 8105 Irvine Center Drive Suite #500 Irvine CA 92618 NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify. Caroline Gerardo | 8105 Irvine Center Drive #500, Irvine, CA 92618







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