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Feeds for [ ] 1. Your Privacy Rights 0929 Privacy rights group are worried about all of the web tracking that is taking place and that more tracking is being developed. Riva Richmond talks about the concerns in today's article. SEPTEMBER 29, 2008 With new software, Web sites can tell what city a visitor is coming from. That can be useful information. The freewheeling, borderless Internet has long allowed businesses to think globally. Now a growing number of companies are using Web technology to help them act locally. Companies increasingly want to know where visitors to their Web sites are located so they can better serve them -- by, for example, ushering them to pages in their native language or offering them information, promotions or products pertinent to the local area. Other firms need to comply with laws or contracts that require they steer clear of customers in certain states or countries, while still others are seeking to thwart online criminals trying to impersonate clients. The Journal Report See the complete Technology report. To accomplish these goals, companies are erecting virtual borders with geolocation software, which analyzes a visiting computer's numerical Internet Protocol address to get a read on that Web user's city location. Armed with this information, businesses can usher people to appropriate Web pages or stop them from accessing an account or service. Privacy-rights advocates consider IP addresses personally identifiable information, and they are concerned about systems that retain this data because of the potential for unwelcome scrutiny of people's Web-use habits. But the major geolocation companies say they don't track Web usage by IP address; rather, they simply maintain databases of IP addresses and their associated geographic locations. Creating Connections The technology isn't perfect -- some companies and Internet-service providers, including Time Warner Inc.'s AOL, use IP addresses that correspond to their headquarters' locations, not those of their end users. And some people mask their IP addresses for privacy reasons. But with accuracy rates in the low-to-high-90% range, geolocation technology is bringing a new level of maturity to the Internet -- delivering more sophistication and function to Web sites, enabling new businesses to operate online and enhancing Internet security. With 1.2 billion people around the globe now connected, "the Internet is starting to reflect the world," with its many languages, competing interests and rules and regulations, says John Yunker, president and chief analyst at San Diego consulting firm Byte Level Research LLC. "Those boundaries are coming back," he says, and geolocation is the "air-traffic control" that lets companies route travelers. Consider Ace Hardware, a cooperative of more than 4,600 dealer-owned hardware stores that overhauled its Web site in February 2007. Using geolocation software from Digital Element, a unit of Norcross, Va.-based Digital Envoy Inc., Ace now gives Web-site visitors a list of stores within a 30-mile radius of their location. A click takes visitors to a page showing the stores plotted on a Google map, and from there, they can drill down to the various stores' Web sites for information such as hours of operation and driving directions. Dana Kevish, Ace's e-commerce marketing manager, says geolocation is important to Ace because some 75% of online sales go through local stores -- where Ace will ship products free -- and 30% of customers who pick up an online order make an additional purchase in the store. Having geolocation capabilities "helped us create a connection between the consumers and the local store," she says. Ace plans to expand its use of the technology this winter by directing Web visitors to one of five or six different home pages, depending on their location. People in cold climates will see a home page featuring snowblowers, for example, while Floridians might see patio furniture. Denver-based news site Examiner.com, meanwhile, uses software from Quova Inc., of Mountain View, Calif., to display geographically targeted news and advertising to more than two million monthly visitors from 57 local U.S. markets. A Web user's IP address determines the edition that is displayed, and advertisers can pick the editions in which they want their ads to appear. Other companies are using geolocation to gauge the impact of ad campaigns, even offline ones. For instance, a spike in Web-site visits from New Yorkers following a series of ads in New York newspapers would suggest a successful campaign. Still, geolocation technology won't pinpoint Web visitors' locations beyond the city level, which won't satisfy advertisers seeking to target potential customers by neighborhood or street. "That might be the next forefront people might try to push toward," says Dane Walther, director of custom engineering at Cambridge, Mass.-based Akamai Technologies Inc., which has a geolocation product. "There's certainly interest from marketers, who always want to get as detailed, as local as they can." For Some, a Lifeline Geolocation technology allows companies to use the Internet as a distribution channel when contracts or laws restrict them from doing business in certain geographic locations. Major League Baseball's Internet arm, MLB Advanced Media LP, has used software from Quova to build a $160 million paid-subscription business streaming live baseball games to fans. Because each team has sold the broadcast rights to games in its local markets, MLB.com is permitted to stream games only to people living outside of the local markets of the teams playing. To confirm customers' locations, MLB.com uses Quova software in addition to information such as shipping addresses from past product purchases and addresses tied to credit cards. MLB.com says it errs on the side of caution, denying about 15% of streaming requests it gets. While that means it sometimes blocks legitimate users, the error rate is perhaps 1% or 2%, and those people can call to request access, says MLB Advanced Media's chief executive, Bob Bowman. "Fortunately for us, there are lots of fans that don't live in the town of the club they cheer," says Mr. Bowman, who estimates they amount to about half of each team's fans. Ultimate Blackjack Tour LLC of Las Vegas is another company that uses geolocation software from Quova to help weed out certain would-be customers. The company runs a subscription-based business in which people compete for prizes by playing blackjack and poker online. It can sell the service only to people in the 38 states that allow sweepstakes; visitors from the other 12 states must get a version of the product without prizes. The accuracy of the information is vital to Ultimate Blackjack Tour because mistakes could mean fines by state governments and black eyes for business partners. Although looking at IP addresses is "not the end-all solution," it is an automated and cost-effective first line of defense, says Brett Calapp, Ultimate Blackjack Tour's president. To improve accuracy, the company also examines the type of Internet connections its customers are using and whether they have been routed through a proxy server that might be masking their location. Thwarting Fraud For financial-services and e-commerce companies, geolocation has proved to be a valuable tool in their 24-hour battle against fraud. The technology allows them to flag activity if someone in, say, Russia tries to access an account or use a credit card of a customer who lives in Ohio. They can block the transaction or ask a security question to give the Ohioan access in case he is visiting Moscow. For e-commerce sites, the goal is threefold: to reduce fraud, reject as few legitimate orders as possible and minimize costly manual reviews of transactions. Marie Alexander, Quova's chief executive, says one manufacturer told her that it has found a transaction to be fraudulent in 73% of cases where the state in the credit-card billing address doesn't match the state associated with the IP address. "It's a huge savings to pull those [transactions] out," she says. —Ms. Richmond is a writer in New York. She can be reached at reports@wsj.com.2. Your Privacy Rights 0926 It is almost a given situation that most people do not know that privacy rights when they are online. Know the problem is that the laws are already outdated even though they were put into the fact in the year 2000. But that is what Rahul Srinivas contends in his new article below. Be sure to check out the website http://www.theexpertoneverything.com for Edward David Gil’s Novel The Expert On Everything – Privacy Doesn’t Exist Anymore. Of Privacy Laws and the Lack of Them Rahul Srinivas, Sep 26, 2008 1643 hrs IST 82% of US netizens are worried about their credit card numbers being stolen; 72% think their online activities are being tracked by companies According to a recent poll by the Consumer Reports National Research Center in the US, most US citizens are extremely concerned about their online privacy and are keen to know what exactly is being done with their personal information online. As much as 82% of the people are worried about their credit card numbers being stolen online --while another 72% think their online activities are being tracked by companies.
While this kind of corporate consumer behavior tracking has been a hotly debated issue over the years in the US, India is just seeing a rise in awareness amongst its netizens about their online privacy rights. Currently, with little or no privacy laws governing cyberspace in India, the average Internet user is left exposed to nefarious practices by unscrupulous companies who have gained notoriety in selling off personal information to foreign companies in need of online browsing habits.
3. Support A Campaign and Lose Your Privacy. I fully agree with Shaun Dakin when he proposes a National Political Do Not Contact Registry. It has come to the point where I do not answer the phone this time of year. He made some very valid points in regards to our lack of privacy. Support a campaign and lose your privacy Posted by Shaun Dakin September 16, 2008 05:05AM Categories: Opinion Dakin is chief executive and founder of Citizens for Civil Discourse, a nonprofit group that has launched the National Political Do Not Contact Registry at StopPoliticalCalls.org. While John McCain and Barack Obama have plenty to fight about, there is at least one thing that they agree on: Voters who interact with their campaigns have no privacy rights. What does this mean? It's simple: Voters do not have the right to opt out of unwanted campaign communications, either online or off-line. Voters don't have the right to decide who will contact them or how they will be contacted by the presidential campaigns. This invasion of the voters' privacy is bipartisan. Republicans do it. Democrats do it. Heck, even Libertarians do it. Last week, I received an e-mail from the Obama campaign that had the subject line: "Your Neighbors." Intrigued, I opened the message and learned that the campaign was launching a sophisticated program called "Neighbor-to-Neighbor" that makes "it easier than ever to connect with potential supporters in your community by phone or door-to-door." It continues: "Neighbor-to-Neighbor gives you the option to make phone calls or knock on doors -- the choice is yours." The choice may be yours, but what about your neighbors, who may not want you to bother them at their homes? This new program is both tech-cool and privacy-rights-scary. When I clicked through to myBarackObama.com, I was able to create "walk lists" using a Google map showing me exactly where potential Obama supporters near me live. The Web site provided the names, addresses and phone numbers of these targeted neighbors and offered a prompt for printing out the list. The last step? Log back in and record the results of your "door-to-door" conversations with voters. I don't know about you, but I do not want my neighbors knocking on my door asking me whom I'm going to vote for. I certainly do not want my name, address and phone number printed on a Google map for the world to see. And, without a doubt, I do not want anyone calling me at home during dinner. This is an invasion of privacy, because these voters never explicitly gave their permission to have themselves targeted in a database that invites their neighbors to walk "door to door" to try to persuade them to vote for a particular candidate. When I tried to opt out of this tool, I learned that while I could opt out of campaign e-mail spam, there was no way that I could quickly, securely and comprehensively opt out of voter communications that I do not want to receive. John McCain's Web site is much the same: It provides no mechanism for voters to opt out of unwanted communications other than e-mail. What can be done? As a spokesperson for millions of voters inundated by political campaigns, I have testified this year before the Senate Rules Committee in support of the Robocall Privacy Act. Our members report receiving as many as 15 robocalls a day during election season. Mothers have their babies awakened from naps. Night-shift workers who sleep during the day can't get the rest they need. Seniors and others fear that a health emergency could occur while their phone is tied up. While commercial organizations are required by law to respect the privacy rights of consumers, politicians at the federal level and in all but a few states have exempted themselves from these laws. More than 160 million phone numbers have been placed on the National Do Not Call Registry, which requires commercial organizations to stop calling consumers within 30 days of those consumers listing their numbers. Political campaigns will call many of those 160 million numbers with impunity this fall. Why should commercial companies be required by law to stop invading the privacy of potential customers while politicians are allowed to do whatever they wish to reach potential voters? To answer this question, candidates usually cite the First Amendment -- the right to speak freely as part of the our nation's vital democratic process. That might be a legitimate criticism of an outright ban but not of a system in which voters are given the choice to opt out of unwelcome communications. Thus, the real reason for their personal exemptions is obvious: Politicians write the laws, and politicians like regulation only when it applies to someone else. The time has come for a Voter Privacy Bill of Rights built on a single, straightforward principle: Voters should have the right to opt out of all direct political communications that they do not want to receive. Period. 4. Your Privacy Rights 0918 Interesting article in regards to Intellectual Property Rights and the proposed Anti-Counterfeiting Trade Agreement. EFF, Public Knowledge sue US gov't over secret IP pact Grant Gross , IDG News Service, 09/18/2008 Two digital rights advocacy groups have filed a lawsuit against the Office of the U.S. Trade Representative (USTR) in an attempt to get the office to turn over information about a secret international treaty being negotiated to step up cross-border enforcement of copyright and piracy laws. The Electronic Frontier Foundation (EFF) and Public Knowledge filed the lawsuit Wednesday after USTR ignored their repeated requests to turn over information about the proposed Anti-Counterfeiting Trade Agreement (ACTA). ACTA could include an agreement for the U.S., Canada, the European Commission and other nations that are part of the talks to enforce each other's intellectual-property (IP) laws, with residents of each country subject to criminal charges when violating the IP laws of another country, according to a supposed ACTA discussion paper posted on Wikileaks.org in May. The document posted on Wikileaks also talks about increasing border searches in an effort to find counterfeit goods, encouraging ISPs (Internet service providers) to remove online material that infringes copyrights and increased cooperation in destroying infringing goods and the equipment used to make them. The full text of the ACTA has not been released, despite requests by EFF and Public Knowledge, as well as Canadian groups. Wikileaks is a site that posts anonymous submissions of sensitive documents. "ACTA raises serious concerns for citizens' civil liberties and privacy rights," EFF international policy director Gwen Hinze said in a statement. "This treaty could potentially change the way your computer is searched at the border or spark new invasive monitoring from your ISP. People need to see the full text of ACTA now, so that they can evaluate its impact on their lives and express that opinion to their political leaders. Instead, the USTR is keeping us in the dark while talks go on behind closed doors." A USTR spokesman didn't immediately respond to a request for comment on the lawsuit, filed in U.S. District Court for the District of Columbia. In the lawsuit, Public Knowledge and EFF say the trade agreement's documents are subject to the U.S. Freedom of Information Act (FOIA), which requires U.S. agencies to turn over most documents, with some exceptions, when a U.S. resident requests them. The two groups filed an FOIA request in June, then clarified the request two weeks later. USTR did not respond after that, and in August, a lawyer for the two groups tried to reach a USTR official dealing with the FOIA request, but a voice message was not returned. ACTA is being negotiated as an executive agreement, not a treaty, meaning it wouldn't be subject to congressional scrutiny and approval, said Art Brodsky, Public Knowledge's communications director. "This is an unusual situation," he said. "At this point, we're trying to figure out what's going on. The other side is clearly working with USTR. USTR will have public meetings and listen to us, but won't show us what's going on." U.S. Trade Representative Susan Schwab announced plans last October to negotiate the trade agreement. USTR posted a notice asking for public comments on ACTA in February, but the only documentation included in that request was a one-and-a-half page Nevertheless, several groups filed comments about ACTA. The Business Software Alliance, a trade group representing large software vendors, said it "strongly supports USTR's efforts to address counterfeiting and piracy through a plurilateral trade agreement." The Recording Industry Association of America (RIAA) filed comments offering suggestions for the trade agreement. Among its recommendations: Countries should allow investigators to treat piracy like organized crime, giving IP enforcement efforts additional resources used to fight organized crime. The RIAA also wants laws requiring ISPs to remove infringing materials posted by subscribers, the trade group said in its comments. The Motion Picture Association of America also filed comments supporting ACTA and offering suggestions. Other countries involved in the ACTA talks are Switzerland, Japan, South Korea, Singapore, Australia, New Zealand, Mexico, Jordan, Morocco and the United Arab Emirates. 5. Your Privacy Rights 091708 Marta K. Herman makes a strong case regarding the real issues in this election. Her informative article is below. The original is here. Huge issues hang on 2008 election
It is time for all Americans to think seriously about the issues and problems facing our country and stop listening to the media uproar around personalities and smear tactics on all sides of the political spectrum. There are a few short weeks before we all head to the polls on November 4th. During this time we owe it to our country to be involved, engaged and curious when researching the issues and the candidates. Competency and explicit, well reasoned plans should be the basis for our final decision. 6. Your Privacy Rights Great article on the role mandated GPS installation plays in further destroying our privacy rights. These devices intrude on a citizen's privacy By TOMMY OVERTON • September 15, 2008 Tennesean.com Only two states have held that the installation of GPS devices by police on a citizen's vehicle without a search warrant violates their state constitution as a governmental intrusion on its citizens' privacy rights. Tennessee should be the third. An individual's right to privacy means no person shall be disturbed in his private affairs or have his home invaded without authority of law. The founding fathers could not have expected the effects of such advanced technology leading to diminished expectations of privacy. Certain acts of government presents the police with a web of rules that are meant to protect the privacy interests of the people. Citizens of this state have a right to be free from the type of governmental intrusion that occurs when a GPS device is attached to their vehicle. The American Civil Liberties Union has objected to the use of such devices without a warrant by stating "the intrusion into private affairs with this device is quite extensive as the information obtained can disclose a great deal about an individuals life." Vehicles are used to take people to a vast number of places that can reveal a citizen's preference and associations. When a GPS device is downloaded, it provides a record of every location the vehicle has traveled in the past. It can provide a detailed record of trips to the doctor's office, banks, gambling casinos, places of worship, political outings, places where children are dropped off, etc. A third party might be involvedIt doesn't, however, distinguish the identity of the individual driver that is operating the vehicle. In many households, more than one family member has access to the family vehicle. It is definitely intrusive and offensive to be able to violate the privacy rights of a third party because a family member or some other driver of a particular vehicle might be a suspect involving criminal activity. Allowing the use of GPS devices without a warrant would mean the above third-party individuals must more readily assume that they are the objects of government scrutiny. As one state judge writes, "an individual's freedom may be impaired as much if not more by the threat of the scrutiny as by the fact of the scrutiny." The placement of a GPS device on an automobile without a warrant is nothing more than a fishing expedition into a citizen's private affairs. It is a technological substitute for vehicle tracking, regardless of whether the device is covertly installed by the police to the vehicle at a public place or while parked at a citizen's home. If police are not required to obtain a warrant before attaching a GPS device to a citizen's vehicle, there is no limitation on the state's use of these devices whether criminal activity is suspected or not. Courts have stated that one indication of whether a government action intrudes on a person's privacy right is whether a private individual would offend social and legal norms of behavior by engaging in the same kind of intrusion. I should not be able to attach a GPS device to my neighbor's vehicle to track his activities or the activities of his family. Likewise, without court approval, the government should not, either. Tommy Overton is a Nashville attorney. 7. Your Privacy Rights. Very interesting article about wiretapping, telecom operators and how our privacy rights just keep being further eroded. The url to the site is here. Niche Telecom Providers Assisting NSA Spy Operations by Tom Burghardt / September 11th, 2008
What do the NSA’s warrantless wiretapping program and enterprising capitalist grifters have in common? Workarounds…and lots of them. The kind that aren’t covered by any law. Two highly-disturbing reports by CNET and the London Review of Books describe how government intelligence agencies and niche telecom providers have teamed-up to subvert our privacy rights–while providing security agencies with real-time cell phone tracking capabilities. The stuff of paranoid delusions? Hardly. According to London Review of Books editor Daniel Soar, to the Intelligence Support Systems Industry (ISS), “which sells analysis tools to government agencies, police forces and–increasingly–the phone companies themselves,” the least interesting thing about your call may be what you say. Soar writes,
And with a swarming multitude of new companies crawling out of the woodwork to “service” the “homeland security” market, why its a snap. Firms such as ThorpeGlen, VASTech, Kommlabs, and Aqsacom all sell what CNET’s Chris Soghoian describes as “off-the-shelf data-mining solutions to government spies interested in analyzing mobile-phone calling records and real-time location information.” Called “passive-probing” data mining, these companies are carving-out lucrative niche markets. Only there’s nothing “passive” about these intrusive operations undertaken in concert with a veritable army of state and corporate spooks. According to Soghoian, while firms such as AT&T, Verizon and Sprint directly collaborated with NSA on the agency’s driftnet-style surveillance programs, legal experts are now suggesting that the public-private partnership in illegal spying may run far deeper into the wireless phone industry than anyone suspects.
Indeed, a “Webinar” hosted by the UK’s ThorpeGlen in May, demonstrated that company’s tools by “mining a dataset of a single week’s worth of call data from 50 million users in Indonesia, which it has crunched in order to try and discover small anti-social groups that only call each other,” Soghoian reports. In the case of the Indonesian analysis presented in ThorpeGlen’s “Webinar,” the London Review of Books reported that the VP of sales and marketing told prospective clients,
The question arises: Is the NSA deploying similar technologies in the United States to spy on citizens doing no more than exercising their constitutional rights to protest state policies? If the swift preemptive raids by St. Paul police and the FBI during last week’s Republican National Convention are any indication, the answer inevitably is yes. In other words, were the pin-point raids on homes shared by protest organizers and media workers such as I-Witness Video and the Glass Bead Collective simply the result of blind luck or human intelligence gathered by paid provocateurs? If report’s emerging on real-time cell phone tracking are any indication of the state’s desire to quash dissent–and those who document their repressive behavior, journalists–then the answer is a resounding no. How then, would the NSA gather this information? Soghoian reports,
That’s right. While it might be illegal for the NSA to obtain real-time customer location information from any of the giant telecoms, Bushist spooks can simply go to the companies that own and operate the wireless towers that the telecoms use for their networks “and get accurate information on anyone using those towers–or go to other entities connecting the wireless network to the landline network. The wiretapping laws, at least in this situation, simply don’t apply,” Soghoian writes. Since networks “are more and more disaggregated and outsourced,” a single call is handled “by many more parties than the named provider today,” according to Albert Gidari, a lawyer at Perkins Cole in Seattle “who frequently represents the wireless industry in issues related to location information and data privacy.” Such legal loopholes are in fact so massive that a fleet of tanker trucks could be driven right through them! And since Sprint, AT&T or Verizon don’t actually own their own cellular towers, TowerCo, the company that does, “learns some information on every mobile phone that communicates with one of its towers.” But it gets worse, much worse. According to Soghoian, this is the tip of the proverbial iceberg.
As we know, perverse laws such as the USA Patriot Act and the FISA Amendments Act, not to mention FBI National Security Letters come with ready-made gag orders attached that forbid companies–or anyone else so served–from disclosing any information to the public or those whom the state is spying upon. Gidari told CNET,
Short of a whistleblower like Mark Klein or Babak Pasdar spilling the beans, the existence of these programs will likely remain a closely-guarded state secret. Why? Paul Ohm, a cyberlaw professor at the University of Colorado Law School and former federal prosecutor told CNET,
And there you have it. Niche telecom providers are the latest players in the West’s burgeoning “terrorism industry,” one that “keeps us safe” by destroying our privacy and our rights with hefty profits all around. Call it another seamless victory for the market’s “invisible hand” that clenches as it morphs into the state’s iron fist wrapped in American flags and blood-drenched corporate logos. Note: Since Antifascist Calling published “New Spy Software Coming on-Line: ‘Surveillance in a Box’ Makes its Debut,” last month, we’ve received an intriguing package from the good folks at Quintessenz, “IT and telco surveillance equipment–data sheets and presentations.” Described as, “A collection of network monitoring and datamining suites made by Nokia Siemens, Ericsson, Verint and others. All systems are compliant to ETSI and CALEA ‘lawful interception’ standards, the vendors themselves are involved in the standardization. While the official name of the game is still ‘lawful interception’ the newer suites also perform ‘high speed government surveillance’. From Iran to China they are ab/used to track down the democratic opposition, dissidents, ethnic and religious minorities. The vendors are mostly European and US companies.” The power-point presentations and accompanying documentation are definitely worth a look and are highly recommended! Check out, “The making of the European Surveillance Union, 1993-2001,” a real eye-opener! Tom Burghardt is a researcher and activist based in the San Francisco Bay Area. In addition to publishing in Covert Action Quarterly, Love & Rage and Antifa Forum, he is the editor of Police State America: U.S. Military "Civil Disturbance" Planning, distributed by AK Press. Read other articles by Tom, or visit Tom's website. This article was posted on Thursday, September 11th, 2008 at 5:59am 8. Privacy Does Not Exist Anymore It seems like every day we hear how our privacy is either being taken away or our rights are being eroded. The article that follows talks about how you can do it yourself with ID protection. Full Article
ID protection can be do-it-yourself So if you want to put the job in someone else's hands, make your choice based on cost By Mitch Lipka Globe Correspondent / September 7, 2008 Looking at a chronology of data breaches compiled by the Privacy Rights Clearinghouse, it seems you can't even go a week without significant numbers of people having their identifying information stolen. In fact, nearly 28 million people were victims of identity theft between 2005 and 2007, according to a nationwide survey by Javelin Strategy and Research, a consultancy firm for the financial services and payment industries. The constant news of data losses and the heightened awareness of victimization have fueled a growing industry built around monitoring individuals' credit. So we took a look at what some of these services offer, what they charge, and whether there is a value for consumers to use them. Among the biggest firms offering credit monitoring services are LifeLock, Debix (LoudSiren), Intersections (Identity Guard), and Trusted ID. The services also are sold by the three major credit reporting agencies: Experian, TransUnion, and Equifax. Beth Givens, director of the education and advocacy group Privacy Rights Clearinghouse, doesn't see great value in the credit monitoring services scrambling to get your attention. In fact, she says much of what they offer is available to consumers at no charge. However, what they do provide is policing of your credit reports and regular communication with the credit bureaus. But is it worth the money? Givens said, for the most part, the answer is no. LifeLock, perhaps the most popular of the services - boosted by an ad campaign featuring the chief executive offering his Social Security number - serves as an example of why not, she said. (Someone took out a payday loan in Texas using LifeLock's CEO's Social Security number, but the company says the loan didn't affect his credit and the service still works because it keeps people from accessing your credit report.) For $120 a year per adult, LifeLock offers to put fraud alerts on your accounts, limit your junk mail, and provide your credit report annually from each of the three credit reporting agencies. "They're not offering anything you can't do yourself," Givens said. Many credit protection companies, including LifeLock, tantalize consumers with the notion of having a $1 million policy protecting their losses - and being there to help when you need them. While some identity theft losses can be significant, mostly the cost is in the time and energy spent to repair the damage. Credit card losses due to identity theft are limited to $50 - and even that is rarely charged. For senior citizens, in particular, there are inexpensive or free actions they can take themselves to prevent identity theft. Any senior - or anyone not normally subject to a credit check - should put a freeze on their credit report ($5 each to the three reporting agencies), Givens said. That would prevent anyone from getting credit in their names. Givens's group, at www.privacyrights.org, and government agencies including the Federal Trade Commission, also offer considerable resources on identity theft. Still, if you use credit a lot - and especially if you believe you're a potential target for ID theft - one service stands out. The Globe's pick, LoudSiren by Debix, charges $24 a year per adult and $40 for a couple. For a fraction of competitors' prices, Debix also offers an innovative telephone verification system anytime someone tries to access your credit. The service also has been the choice of several government agencies to provide credit monitoring for people whose personal information was accessed in recent breaches. LOUDSIREN BY DEBIX TRUSTED ID IDENTITY GUARD LIFELOCK © Copyright 2008 Globe Newspaper Company. 9. Privacy Does Not Exist Anymore It seems like every day we hear how our privacy is either being taken away or our rights are being eroded. The article that follows talks about how you can do it yourself with ID protection. Full Article
ID protection can be do-it-yourself So if you want to put the job in someone else's hands, make your choice based on cost By Mitch Lipka Globe Correspondent / September 7, 2008 Looking at a chronology of data breaches compiled by the Privacy Rights Clearinghouse, it seems you can't even go a week without significant numbers of people having their identifying information stolen. In fact, nearly 28 million people were victims of identity theft between 2005 and 2007, according to a nationwide survey by Javelin Strategy and Research, a consultancy firm for the financial services and payment industries. The constant news of data losses and the heightened awareness of victimization have fueled a growing industry built around monitoring individuals' credit. So we took a look at what some of these services offer, what they charge, and whether there is a value for consumers to use them. Among the biggest firms offering credit monitoring services are LifeLock, Debix (LoudSiren), Intersections (Identity Guard), and Trusted ID. The services also are sold by the three major credit reporting agencies: Experian, TransUnion, and Equifax. Beth Givens, director of the education and advocacy group Privacy Rights Clearinghouse, doesn't see great value in the credit monitoring services scrambling to get your attention. In fact, she says much of what they offer is available to consumers at no charge. However, what they do provide is policing of your credit reports and regular communication with the credit bureaus. But is it worth the money? Givens said, for the most part, the answer is no. LifeLock, perhaps the most popular of the services - boosted by an ad campaign featuring the chief executive offering his Social Security number - serves as an example of why not, she said. (Someone took out a payday loan in Texas using LifeLock's CEO's Social Security number, but the company says the loan didn't affect his credit and the service still works because it keeps people from accessing your credit report.) For $120 a year per adult, LifeLock offers to put fraud alerts on your accounts, limit your junk mail, and provide your credit report annually from each of the three credit reporting agencies. "They're not offering anything you can't do yourself," Givens said. Many credit protection companies, including LifeLock, tantalize consumers with the notion of having a $1 million policy protecting their losses - and being there to help when you need them. While some identity theft losses can be significant, mostly the cost is in the time and energy spent to repair the damage. Credit card losses due to identity theft are limited to $50 - and even that is rarely charged. For senior citizens, in particular, there are inexpensive or free actions they can take themselves to prevent identity theft. Any senior - or anyone not normally subject to a credit check - should put a freeze on their credit report ($5 each to the three reporting agencies), Givens said. That would prevent anyone from getting credit in their names. Givens's group, at www.privacyrights.org, and government agencies including the Federal Trade Commission, also offer considerable resources on identity theft. Still, if you use credit a lot - and especially if you believe you're a potential target for ID theft - one service stands out. The Globe's pick, LoudSiren by Debix, charges $24 a year per adult and $40 for a couple. For a fraction of competitors' prices, Debix also offers an innovative telephone verification system anytime someone tries to access your credit. The service also has been the choice of several government agencies to provide credit monitoring for people whose personal information was accessed in recent breaches. LOUDSIREN BY DEBIX TRUSTED ID IDENTITY GUARD LIFELOCK © Copyright 2008 Globe Newspaper Company. 10. Your Privacy Rights Someone actually wants to do something to protect your privacy rights. Barbara L. Minton reports on the Campaign for Liberty headed by Ron Paul. It is obvious that the two political parties do not want to tackle the real issues that face us today. It is time for us to do what they do not have the will to do. The article below gives us a good start. You can also find the article at Natural News Ron Paul Kicks Off Campaign for Liberty, August 31 to September 2
(NaturalNews) Remember Ron Paul, the candidate who annoyed reporters, the left and the right by trying to talk about the real issues facing Americans during the presidential contender's debate? Although he gets very little media coverage aside from ridicule, he is still around and trying to get Americans to wake up to the threat to their liberty presented by the forces behind globalization. His latest initiative is the Campaign for Liberty, scheduled to kick off at the Rally for the Republic in Minneapolis from August 31 to September 2. 11. Privacy Rights Your privacy rights are being severly curtailed. These blog posts will explore that issue.
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