Tips on Your Security
Good to see you again.
Here are some tips from other informed seniors. I found these tips on a site called SeniorArk.com. There is a lot more information on this site than listed here. Take a look to find items of your interest. Here are some I found especially interesting (to me and hopefully to you).
Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel if you need to. Keep the photocopy in a safe place. I also carry a photocopy of my passport when I travel either here or abroad. We have been told we should cancel our credit cards immediately if they are lost or stolen. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.
File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one). But here’s what is perhaps most important of all: (I never even thought to do this.) Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call the Social Security fraud line number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.
Now, here are the numbers you always need to contact if your wallet, etc., has been stolen:
Experian (formerly TRW): 1-888-397-3742
Trans Union: 1-800-680-7289
Social Security Administration (fraud line): 1-800-269-0271
And SeniorArk adds for ID theft: click here: http://www.consumer.ftc.gov/features/feature-0014-identity-theft
This may be something many of you know about, but just in case you missed it, here goes. All cell phones, including old ones, can be used to make emergency calls to 911 without a subscription to a calling plan. Just find one at a thrift store, I got a nice little Nokia with a charger and case for only $4. Get one for a loved one. It is a really cheap peace of mind.
Have you ever noticed that when you are buying a product online, and you reach the checkout line, it asks for a “promotional code”? These codes save you money when you get your final total. Well, believe it or not, there are websites that exist to collect known codes and publish them for your use.
Sometimes the retailer even wants you to see the code on these sites, because it may bring you to their product. But you will save money. One caution is that sometimes if you use a code for saving money, it negates a free shipping offer, so assess that for yourself.
Some places to look for these promo codes include Coupon Cabin, Coupon Craze, Current Codes, CoolSavings, and KeyCode. Get rid of those annoying— and dangerous if found by the wrong person—unsolicited credit card applications. Call 1-888-optout (888-567-8688) and stop them from coming.
Many states have reduced fees for seniors. These are sometimes associated with income levels. An example is a reduced auto registration fee of $10 in Pennsylvania. The regular rate is $36.
Finding this reduction was not easy on the state web site. But we were alerted by our state representative to this benefit. We will also qualify for a multi-hundred dollar reduction in our real estate tax.
A Pennsylvania senior may also qualify for reduced dog license fees, hunting and fishing license fees. Talk with your state government representative about benefits for seniors in your state.
Take a look at this very informative site for lots of tips and ideas. www.seniorark.com
All the best to you,