Stop Identity Theft With a Credit Freeze

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(Originally posted in November 2007. Updated as of December 2010.)

Identity theft continues to be one of the fastest growing crimes in the country.  There are many types of identity theft, but one of the worst is when someone uses your personal information to borrow money or establish credit. 

Sadly, the 3 major credit bureaus, Equifax, Experian and TransUnion, have done little to help us prevent identity theft before it happens.  In fact, they make money by selling services that inform you if someone has accessed your credit file...after the fact.

SECURITY FREEZES

But over the last eight years, 47 states have passed laws that REQUIRE credit bureaus to offer "security freezes" to consumers that prevent access to your credit records.  A crook cannot take out a loan in your name if your file cannot be accessed.  Security freezes go a step further than "fraud alerts" offered by the bureaus that tell the lender to double check your identity.  The main problem with fraud alerts is that no law says the creditor must contact you.

California's security freeze law has been in place since January 2003.  Security freezes are free to ID theft victims, $10 per credit bureau for those under 65 and $5 per credit bureau for those 65 and older.  It costs another $10 ($5 to 65 and older) to "unlock" your account, either temporarily, for a particular creditor, or permanently. 

It takes a little work to set up your security freeze as the bureaus require a written request sent by certified mail.  The State of California provides guidance and sample letters for this purpose (click here for a link to the California Office of Privacy Protection website).  After registering, each credit bureau will send you a confirmation letter with instructions on how to remove the freeze.  Security freeze information is also available on the Experian, TransUnion and Equifax websites by clicking the links

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Resolving to Say "NO" by Gail Small

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A vignette by Gail Small, co-author of "Joyful Volunteering: Making a Difference." This one is called "NO" and is timely as we approach yet another new year!

NO by Gail Small

It was a warm winter day and I remember wearing a short-sleeved red checkered blouse with my favorite blue skirt. Suddenly though, I felt a chill and I froze.

It was at a community meeting of women. I was comfortable as we visited and shared stories. And then, it happened. The hostess handed us each a paper and pencil and asked us to write down our New Year's resolution.

My pencil wouldn't write. Those around me smiled and wrote non-stop. I knew my friend to my left was writing about the new diet she was going to go on the first of the year. My friend to the right had to be writing about making more money in her job, as that was always her primary focus. Someone across the room was chuckling out loud as she described the man of her dreams who she was determined to find in the coming year.

I was blank. Blank and confused. I thought about my everyday life. I am content. Sometimes I am really tired and often wish there were more minutes in a day. But, don't most of us think those things? I am happy in my relationships. I love my job and my family and friends. I work out and feel fit. I volunteer in the schools, in the community and for many organizations. I am always there when someone needs me for carpool, an emergency, or to run an errand. Wow! What to do?

Others were folding their resolutions in half once and then again. The crackly sound of the paper folding annoyed me as my page was still empty. Everyone smiled as they placed their well-chosen words into a

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Over 1,800 are Homeless in Ventura County According to a January 2010 Survey

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During the last week of January 2010, the Ventura County Homeless and Housing Coalition coordinated a count of homeless individuals in Ventura County.

A person was considered homeless in the survey if he/she fell within the Department of Housing and Urban Development definition, residing in 1) places not meant for human habitation, such as cars, parks, sidewalks and abandoned buildings, 2) in an emergency shelter or 3) in transitional housing for homeless persons.

In its April 2010 report, the Coalition counted 1,815 homeless individuals, keeping in mind that the count understated the actual number due to the complexities involved. The count in 2009 was 2,193 and the previous count in 2007 was 1,961. Here are some details from the latest count:

  • 88% were adults and 12% were children
  • 5% of the adults counted were 62 or older
  • 67% of the adults were men and 33% were women
  • 117 families were counted, the majority (74%) of which were single-parent families

Of the 1,815 reported homeless, 601 were in Ventura, 520 in Oxnard, 229 in Simi Valley, 223 in unincorporated areas, 106 in Thousand Oaks, 54 in Santa Paula, 52 in Ojai, 15 in Camarillo, 9 in Port Hueneme, 5 in Fillmore and 1 in Moorpark.

The Coalition noted this count does not include people at risk of becoming homeless. In 2000, there were 42,000 households, consisting of about 130,000 people (20% of Ventura County at that time) whose households earned less than $25,000 per year. Additionally, 8%, or close to 64,000 Ventura County residents, were living below the poverty level*.

If you encounter someone in need, refer them to this list of Ventura County homeless shelters and hot meal providers.

* 2010 Poverty Guidelines issued by the Department of Health and Human Services is $10,830 for a 1 person family, $14,570 for 2, $18,310 for 3, $22,050 for 4 and so on.

This Biochemist Who Discovered EPO Has Had a Tremendous Impact on Thousand Oaks

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Last Friday, Eugene Goldwasser died at his home in Chicago at the age of 88. While Eugene Goldwasser is not exactly well known by the general public, his greatest accomplishment changed the course of the biotech industry and the world in 1977 when he isolated the human protein erythropoietin "EPO."

EPO stimulates the production of red blood cells. It is a blockbuster product with over $5 billion in annual revenues for local Amgen because it has changed the lives of millions of dialysis patients and others suffering anemia due to the effects of other diseases. Without Eugene Goldwasser, Thousand Oaks and Ventura County most likely would be much different today, as Amgen employs roughly 10,000 people locally in 4 million square feet of office space! Amgen is the largest private employer in Ventura County today!

It took Goldwasser 20 years to isolate EPO, starting in 1957, when he discovered EPO in minute quantities of anemic rats (now that sounds like fun).

Then by 1971 his lab purified six millionths of an ounce of EPO from 125 gallons of plasma from anemic sheep.

In 1973 a Japanese anemia doctor collected 673 gallons of urine from his anemic patients. (I think someone should have told Mike Rowe, The Dirty Jobs guy, but he was only 11 years old at the time.) From that pee, Goldwasser's team isolated eight milligrams of EPO and perked up anemic rats like a charm!

Seeing the huge unmet need of EPO, the next step was to clone the gene and produce it in enough quantities to create a drug. Local Amgen scientist Fu-Kuen Lin and his lab figured this out in two years and the rest is history. Amgen figured out how to manufacture the drug by propagating the cells in a fermentation process (Kirin Brewery helped them on this!) and starting selling it under brand name Epogen in 1989.  It was Amgen's first drug and it was and still is a blockbuster.

The Sun is Back Out, at Least Temporarily! My Five Favorite Sunny Day Songs!

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It has been raining for over a week almost non-stop here in Ventura County, but today, Christmas Eve Eve, we have a reprieve (well maybe for a couple days). The sunshing brings to mind these five sunny day songs that are tops on my list. My kids' personal favorite is Johnny Nash's original 1972 hit "I Can See Clearly Now." The Beatles are awesome but John Denver's "Sunshine on My Shoulder" gets my personal nod.

 

Local Simi Valley Family Dances Around Disneyland

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Friends of mine from Simi Valley recently spent 2 days at Disneyland and Tony Pinto took the opportunity to use his little Flip Video Camera to make this entertaining video. His whole clan enjoyed dancing around highlights of the park, which must have been quite interesting to watch given they were not dancing to real music.  Brought a smile to my face.

Music: "Holiday" by Vampire Weekend

The Ventura County Maritime Museum is More Than Doubling its Size in 2011!

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The Ventura County Maritime Museum is currently located at Fisherman’s Wharf, on the corner of Channel Islands Boulevard and Victoria Avenue in Oxnard.  The Museum was opened in 1991 and will celebrate its twentieth anniversary in February.  The permanent collection includes an unbelievable array of fine maritime art, a large number of exquisitely detailed model ships, and other marine artifacts.  The Museum is open seven days a week from 11 to 5 and has always offered free admission.  The Museum is staffed by one full time employee and 4 part time employees, and this small staff is adequate only because of the over 80 active volunteers.

Because of impending redevelopment and the desire for a larger facility, the Museum is moving from its present 5,000 sq ft location to a larger 12,000 sq ft facility on the west side of the harbor.  The Museum has purchased the rights to a building, the old Port Royal restaurant, and has entered into a long term lease with the County.  Our selected architectural firm, Lauterbach and Associates, has completed the

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