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John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

8 Tips to Protect Your Identity

November 14, 2016 1:57 am


Identity theft is more than just someone tapping into your bank account. According to the Bureau of Justice Statistics, an estimated 17.6 million U.S. residents experienced the misuse of their personal information in 2014, up from 16.6 million victims in 2012. 
 
“Fraudsters can use your personal information to conduct a variety of illegitimate transactions, such as opening bogus accounts, filing tax returns and getting access to medical care,” says Doug Johnson, American Bankers Association’s (ABA) senior vice president of Payments and Cybersecurity Policy. “As a result, consumers are urged to safeguard their personal information before it gets into the wrong hands.”

ABA offers the following tips to help consumers protect themselves from becoming a victim of identity theft:

Don’t share your secrets. Don’t provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone. Use a combination of letters and numbers for your passwords and change them periodically. Do not reveal sensitive or personal information on social networking sites.

Shred sensitive papers. Shred receipts, banks statements and unused credit card offers before throwing them away.

Keep an eye out for missing mail. Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Consider enrolling in online banking to reduce the likelihood of paper statements being stolen. Also, don’t mail bills from your own mailbox with the flag up.

Use online banking to protect yourself. Monitor your financial accounts regularly for fraudulent transactions. Sign up for text or email alerts from your bank for certain types of transactions, such as online purchases or transactions of more than $500.

Monitor your credit report. Order a free copy of your credit report every four months from one of the three credit reporting agencies at annualcreditreport.com.

Protect your computer. Make sure the virus protection software on your computer is active and up to date. When conducting business online, make sure your browser’s padlock or key icon is active. Also look for an “s” after the “http” to be sure the website is secure.

Protect your mobile device. Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen. Use caution when downloading apps, as they may contain malware and avoid opening links and attachments – especially for senders you don’t know.

Report any suspected fraud to your bank immediately. 

Source: American Bankers Association (ABA)
 

Published with permission from RISMedia.


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3 Rules to Simplify Your Holiday Entertaining

November 14, 2016 1:57 am


(Family Features)—The hustle and bustle of the holiday season may feel overwhelming at times, and for hosts throwing holiday parties, sticking to formal cooking and dining traditions can be time-consuming and stressful. In the season dedicated to spending time with family and friends, experimenting with simple entertaining ideas and informal settings can allow for more time to enjoy the party with your guests.

To simplify your festive soiree, try these insider tips from Macy's Culinary Council, the national culinary authority featuring some of the nation's leading chefs from across the country.

Simple Satisfaction
Sometimes less can be more, even when trying to impress guests. Chef Nancy Silverton suggests using quality ingredients like flavorful lettuces or vegetables. There is no need to mask them with fancy sauces; the ingredients can speak for themselves. A simple drizzle of extra-virgin olive oil, squeeze of lemon and some sea salt is enough to dress up a dish that guests will deem delicious.

Less of a Mess 
Complicated cooking methods that require too much cookware and gadgets can keep hosts in the kitchen instead of socializing with guests. Chef Rick Bayless says his focus is on simplicity and ease in the kitchen, such as using the least amount of pots and pans possible to accomplish the same goal. Try a one-pot dish in a slow cooker to reduce kitchen clutter and ensure easier clean-up.

Comfort Is Key
A less formal seating arrangement encourages relaxation and comfortable dining for all. When entertaining, Chef Johnny Iuzzini places chairs and stools throughout his home for guests to enjoy as they please rather than structuring how and where they sit and eat. Place appetizers on the coffee table or create a buffet-style spread on your dinner table. This informal layout allows for a laid-back atmosphere where hosts can easily mingle with guests.
 
Source: Macys
 

Published with permission from RISMedia.


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