Courtesy of of Reader's Digest Magazine
Former identity thieves confess the tactics they use to scam you.
1. Watch your back. In line at the grocery store, I’ll hold my phone like I’m looking at the screen and snap your card as you’re using it. Next thing you know, I’m ordering things online—on your dime.
2. That red flag tells the mail carrier—and me—that you have outgoing mail. And that can mean credit card numbers and checks I can reproduce.
3. Check your bank and credit card balances at least once a week. I can do a lot of damage in the 30 days between statements.
4. In Europe, credit cards have an embedded chip and require a PIN, which makes them a lot harder to hack. Here, I can duplicate the magnetic stripe technology with a $50 machine.
5. If a bill doesn’t show up when it’s supposed to, don’t breathe a sigh of relief. Start to wonder if your mail has been stolen.
6. That’s me driving through your neighborhood at 3 a.m. on trash day. I fill my trunk with bags of garbage from different houses, then sort later.
7. You throw away the darnedest things like pre-approved credit card applications, old bills, expired credit cards, checking account deposit slips, and crumpled-up job or loan applications with all your personal information.
8. If you see something that looks like it doesn’t belong on the ATM or sticks out from the card slot, walk away. That’s the skimmer I attached to capture your card information and PIN.
9. Why don’t more of you call 888-5-OPTOUT to stop banks from sending you pre-approved credit offers? You’re making it way too easy for me.
PLUS: 13 Things Your Financial Adviser Won't Tell You
10. I use your credit cards all the time, and I never get asked for ID. A helpful hint: I’d never use a credit card with a picture on it.
11. I can call the electric company, pose as you, and say, “Hey, I thought I paid this bill. I can’t remember—did I use my Visa or MasterCard? Can you read me back that number?” I have to be in character, but it’s unbelievable what they’ll tell me.
12. Thanks for using your debit card instead of your credit card. Hackers are constantly breaking into retail databases, and debit cards give me direct access to your banking account.
13. Love that new credit card that showed up in your mailbox. If I can’t talk someone at your bank into activating it (and I usually can), I write down the number and put it back. After you’ve activated the card, I start using it.
Thursday, August 19, 2010
Tuesday, August 17, 2010
Exterior Doors and Locks
Good information from State Farm Insurance, regarding door and locks.
State Farm recommends Grade 1 (ANSI designation) deadbolt type locks on:
Exterior doors:
Doors between attached garages and living spaces
Garage man doors (even if the garage is not attached to the house.)
Although many people assume their local building codes require a minimum level of quality and security for the door locks installed on their homes, most building codes don't even require a lock on exterior doors, let alone a minimum level of quality.
Most contractors select the locks based on price. Make a better selection by knowing what to look for.
Door Locks From a Burglar's Perspective:
Burglars prefer to break into a home through a door because it is quick and easy. A good quality lock is a deterrent. When intruders are interviewed about the selection of a target, many say seeing quality deadbolt locks will cause them to move on to another house.
A burglar can enter the home through a door using several methods:
The door can be left unlocked.
Doors can be kicked in.
Door locks can be picked.
Door locks can be hammered until they fall off.
Doors can be pried open.
Door frames can be spread apart with a spreader bar.
Door locks can be "drilled out" using a power drill.
Locks can be pried off with pipe wrenches or pliers.
Panes of glass in or beside doors can be broken so the intruder can reach in and unlock the lock.
Sometimes thieves obtain a copy of the house key from an acquaintance.
Remember, the intruder will select the door that looks easiest to break into and that offers the least chance of being seen.
Doors going into the garage and going from an attached garage into the house many times offer an intruder the opportunity to hide from view while they are breaking in. Extra thought should go into the security at these locations.
According to a study by the California Crime Technological Research Foundation, the most common techniques used by burglars to enter single-family homes are (from most often used to least often used):
32.00% Through unlocked window or door
26.64% Forced entry by impacts
24.02% Prying or jimmying
6.79% Use of pass key or picking the lock
5.10% Entry attempted, but failed
5.45% Other or unknown
Learn more about how to protect your home from intruders:
1.) Install locks with deadbolts. In residential construction there are basically two types of bolts used on exterior doors: latch bolts and deadbolts. Some locks combine the two bolts into one.
2.) Install locks with an ANSI Grade 1 classification. There is a grading system that measures the security and durability of door locks. The American National Standards Institute (ANSI) has standards, developed and maintained by The Builders Hardware Manufacturers Association Inc. (BHMA), that comparatively measure the security and durability performance of door locks. Not all Grade 1 locks are equal. Different types of door locks are tested differently under ANSI standards. But the grade designation system is the same.
3.) Install locks with key control. Key control is simply controlling who has copies of keys to your home. Many door keys can be copied at a local hardware or retail store. However, many manufacturers now offer locks using keys that cannot be copied except by certain locksmiths or only by the manufacturer themselves. There are burglaries where the unlawful entry can be traced back to a key that was either knowingly or unwittingly provided to the burglar.
Key control can help protect your from the following scenarios:
In-home help has been fired or quit, but they made their own copy of your house key.
In-home help may have acquaintances who burglarize homes; they might try to acquire a key through them
Mechanics may try to make copies of your house key while working on your car.
Key control may require extra effort, such as a letter to the lock manufacturer or a trip to the locksmith to get a key made. Also, there is an additional cost due to record keeping by the manufacturer or locksmith (between $10 and $50 per key). The additional cost and inconvenience should be weighed against the security benefits.
Other Door Lock Features to Look For:
Security Strike Plate -- A strike plate comes with every door lock. Many times these strike plates are cosmetic and not intended to provide much security. The strike plate's attachment to the doorframe is usually the weakest point in the entire door/door frame/lock system.
High security strike plates are available. They sometimes come with a heavy gauge metal reinforcing plate that mounts under the cosmetic strike plate and come with 3" long screws that secure the strike to the wall framing, not just to the door frame jamb.
The screw holes are staggered so the screws don't penetrate into the same grain of wood. The concept of screwing into different wood grains in the door frame and wall framing is to make it more difficult to split the wood door frame or wall framing when the door is impacted. This feature should be considered at every exterior door and at those doors coming from attached garages.
Long Screws. 1" Minimum Throw on Deadbolt -- The throw of the deadbolt is the length that the deadbolt extends out of the door edge. A minimum throw of 1" is recommended. Longer throws makes it more difficult to gain entry by spreading the door frame.
Saw-Resistant Bolts. Some deadbolts come with internal anti-saw pins. The pins spin freely inside the bolt. If someone tries to break in by sawing off the deadbolt, the pin will make this difficult because it spins back and forth with every movement of the saw blade.
Captured Key Deadbolt. Burglars can gain entry through a locked door by breaking the glass in the door light or sidelight, reaching in, and simply unlocking the door. Many homeowners, in an effort to prevent this, install double cylinder deadbolt locks with keyholes on both sides of the door.
Don't let Double Cylinder Deadbolts create a fire safety danger to your family. In the case of a fire when the family needs to get out of the house quickly, you don't want to be wasting time looking for the key to unlock the door. Most building codes do not allow this type of lock on doors that are used to exit the house for this very reason.
To solve this conflict between family safety and security, one manufacturer has developed a deadbolt lock with a feature called a captured key. On the interior side of the door the deadbolt lock has a thumb turn that can be removed from the lock, leaving a keyhole. The idea is when no one is home, there is no need for the thumb-turn. The last person to leave removes the thumb-turn and creates a double cylinder deadbolt condition.
Captured Key Thumb-turn -- The thumb-turn cannot be removed without having a key to the lock. Therefore, small children cannot remove the thumb-turn from the lock. Also, the thumb-turn can actually be used as a house key. It is important that whenever anyone is in the home that the thumb-turn is left in the lock at all times.
Hardened Cased Steel & Beveled Casings -- On a typical deadbolt lock the outside housing of the lock is called the "casing" or "case." Many lock manufacturers make their casings out of hardened steel and many make the casing beveled. The hardened cased steel makes the casing more resilient against blows from a hammer. Beveling the casing makes it very difficult to get pliers or pipe wrenches to stay on the lock when trying to twist it loose.
Anti-Drill Feature -- Some intruders know how to drill out a lock. Some manufacturers combat this by installing hardened steel chips within the lock housing. When the drill bit hits these steel chips, it tears up the drill bit.
Dropbolts and Rim Locks -- If a dropbolt or rim lock is selected, make sure the lock is mounted on the door with through bolts.
Dropbolt with Through Bolts and Without -- If not, a forced entry can cause the lock to separate from the door. The typical dropbolt and rim lock should not be considered as secure as a deadbolt lock.
Help in assessing the need for better security can be found with your local police department. Many departments have a crime prevention unit that will examine your home. Based on their experience with crime, they can see things that the average homeowner does not. Also, an experienced locksmith can help you select the right products.
State Farm recommends Grade 1 (ANSI designation) deadbolt type locks on:
Exterior doors:
Doors between attached garages and living spaces
Garage man doors (even if the garage is not attached to the house.)
Although many people assume their local building codes require a minimum level of quality and security for the door locks installed on their homes, most building codes don't even require a lock on exterior doors, let alone a minimum level of quality.
Most contractors select the locks based on price. Make a better selection by knowing what to look for.
Door Locks From a Burglar's Perspective:
Burglars prefer to break into a home through a door because it is quick and easy. A good quality lock is a deterrent. When intruders are interviewed about the selection of a target, many say seeing quality deadbolt locks will cause them to move on to another house.
A burglar can enter the home through a door using several methods:
The door can be left unlocked.
Doors can be kicked in.
Door locks can be picked.
Door locks can be hammered until they fall off.
Doors can be pried open.
Door frames can be spread apart with a spreader bar.
Door locks can be "drilled out" using a power drill.
Locks can be pried off with pipe wrenches or pliers.
Panes of glass in or beside doors can be broken so the intruder can reach in and unlock the lock.
Sometimes thieves obtain a copy of the house key from an acquaintance.
Remember, the intruder will select the door that looks easiest to break into and that offers the least chance of being seen.
Doors going into the garage and going from an attached garage into the house many times offer an intruder the opportunity to hide from view while they are breaking in. Extra thought should go into the security at these locations.
According to a study by the California Crime Technological Research Foundation, the most common techniques used by burglars to enter single-family homes are (from most often used to least often used):
32.00% Through unlocked window or door
26.64% Forced entry by impacts
24.02% Prying or jimmying
6.79% Use of pass key or picking the lock
5.10% Entry attempted, but failed
5.45% Other or unknown
Learn more about how to protect your home from intruders:
1.) Install locks with deadbolts. In residential construction there are basically two types of bolts used on exterior doors: latch bolts and deadbolts. Some locks combine the two bolts into one.
2.) Install locks with an ANSI Grade 1 classification. There is a grading system that measures the security and durability of door locks. The American National Standards Institute (ANSI) has standards, developed and maintained by The Builders Hardware Manufacturers Association Inc. (BHMA), that comparatively measure the security and durability performance of door locks. Not all Grade 1 locks are equal. Different types of door locks are tested differently under ANSI standards. But the grade designation system is the same.
3.) Install locks with key control. Key control is simply controlling who has copies of keys to your home. Many door keys can be copied at a local hardware or retail store. However, many manufacturers now offer locks using keys that cannot be copied except by certain locksmiths or only by the manufacturer themselves. There are burglaries where the unlawful entry can be traced back to a key that was either knowingly or unwittingly provided to the burglar.
Key control can help protect your from the following scenarios:
In-home help has been fired or quit, but they made their own copy of your house key.
In-home help may have acquaintances who burglarize homes; they might try to acquire a key through them
Mechanics may try to make copies of your house key while working on your car.
Key control may require extra effort, such as a letter to the lock manufacturer or a trip to the locksmith to get a key made. Also, there is an additional cost due to record keeping by the manufacturer or locksmith (between $10 and $50 per key). The additional cost and inconvenience should be weighed against the security benefits.
Other Door Lock Features to Look For:
Security Strike Plate -- A strike plate comes with every door lock. Many times these strike plates are cosmetic and not intended to provide much security. The strike plate's attachment to the doorframe is usually the weakest point in the entire door/door frame/lock system.
High security strike plates are available. They sometimes come with a heavy gauge metal reinforcing plate that mounts under the cosmetic strike plate and come with 3" long screws that secure the strike to the wall framing, not just to the door frame jamb.
The screw holes are staggered so the screws don't penetrate into the same grain of wood. The concept of screwing into different wood grains in the door frame and wall framing is to make it more difficult to split the wood door frame or wall framing when the door is impacted. This feature should be considered at every exterior door and at those doors coming from attached garages.
Long Screws. 1" Minimum Throw on Deadbolt -- The throw of the deadbolt is the length that the deadbolt extends out of the door edge. A minimum throw of 1" is recommended. Longer throws makes it more difficult to gain entry by spreading the door frame.
Saw-Resistant Bolts. Some deadbolts come with internal anti-saw pins. The pins spin freely inside the bolt. If someone tries to break in by sawing off the deadbolt, the pin will make this difficult because it spins back and forth with every movement of the saw blade.
Captured Key Deadbolt. Burglars can gain entry through a locked door by breaking the glass in the door light or sidelight, reaching in, and simply unlocking the door. Many homeowners, in an effort to prevent this, install double cylinder deadbolt locks with keyholes on both sides of the door.
Don't let Double Cylinder Deadbolts create a fire safety danger to your family. In the case of a fire when the family needs to get out of the house quickly, you don't want to be wasting time looking for the key to unlock the door. Most building codes do not allow this type of lock on doors that are used to exit the house for this very reason.
To solve this conflict between family safety and security, one manufacturer has developed a deadbolt lock with a feature called a captured key. On the interior side of the door the deadbolt lock has a thumb turn that can be removed from the lock, leaving a keyhole. The idea is when no one is home, there is no need for the thumb-turn. The last person to leave removes the thumb-turn and creates a double cylinder deadbolt condition.
Captured Key Thumb-turn -- The thumb-turn cannot be removed without having a key to the lock. Therefore, small children cannot remove the thumb-turn from the lock. Also, the thumb-turn can actually be used as a house key. It is important that whenever anyone is in the home that the thumb-turn is left in the lock at all times.
Hardened Cased Steel & Beveled Casings -- On a typical deadbolt lock the outside housing of the lock is called the "casing" or "case." Many lock manufacturers make their casings out of hardened steel and many make the casing beveled. The hardened cased steel makes the casing more resilient against blows from a hammer. Beveling the casing makes it very difficult to get pliers or pipe wrenches to stay on the lock when trying to twist it loose.
Anti-Drill Feature -- Some intruders know how to drill out a lock. Some manufacturers combat this by installing hardened steel chips within the lock housing. When the drill bit hits these steel chips, it tears up the drill bit.
Dropbolts and Rim Locks -- If a dropbolt or rim lock is selected, make sure the lock is mounted on the door with through bolts.
Dropbolt with Through Bolts and Without -- If not, a forced entry can cause the lock to separate from the door. The typical dropbolt and rim lock should not be considered as secure as a deadbolt lock.
Help in assessing the need for better security can be found with your local police department. Many departments have a crime prevention unit that will examine your home. Based on their experience with crime, they can see things that the average homeowner does not. Also, an experienced locksmith can help you select the right products.
Sunday, August 15, 2010
Child Safety and Crime Prevention Tips
On a drive to the local store yesterday I saw two children that could not be older than 7 or 8, walking along the road at least 400 yards from the nearest house. This was on a road that was a few hundrd yards from a State Highway. Predators look for opportunities to kidnap kids where there is a easily access escape route. Time and distance are the predator's friends.
So as we gear up for the school season to once again start. Let's be mindful of the safety tips we need to take for our children.
Tips to Protect Your Children from Crime:
Never leave small children alone in a public place. Have young children walk to school with a brother, sister or friend. Don’t allow young children to roam the neighborhood, trick or treat, or sell things door-to-door without an adult.
Tell children not to answer the door if they are alone.
Teach children telephone safety. Children who are alone should tell callers that their parents are unable to come to the telephone. Warn them not to give their name or address to an unknown caller.
Talk to children about crime and safety. Warn them not to talk to strangers. Remind them not to enter a car or home of a stranger.
Teach your kids about some ruses that predators use to lure kids to a car....."Hey little buddy, want to see my puppies? Do you know someone who wants a puppy? I have to find a good home for my puppy,..do you know anyone who wants a cute puppy?
Teach them to make a commotation if someone trys to grab them; running and screaming if the best way to draw attention and either make the predator abort or get witnesses to the act.
Teach children how to use 911 or another emergency telephone number. Leave a number so that babysitters can reach someone in an emergency.
Teach children their home telephone number and address. Show them how to call home from a pay phone even without money.
So as we gear up for the school season to once again start. Let's be mindful of the safety tips we need to take for our children.
Tips to Protect Your Children from Crime:
Never leave small children alone in a public place. Have young children walk to school with a brother, sister or friend. Don’t allow young children to roam the neighborhood, trick or treat, or sell things door-to-door without an adult.
Tell children not to answer the door if they are alone.
Teach children telephone safety. Children who are alone should tell callers that their parents are unable to come to the telephone. Warn them not to give their name or address to an unknown caller.
Talk to children about crime and safety. Warn them not to talk to strangers. Remind them not to enter a car or home of a stranger.
Teach your kids about some ruses that predators use to lure kids to a car....."Hey little buddy, want to see my puppies? Do you know someone who wants a puppy? I have to find a good home for my puppy,..do you know anyone who wants a cute puppy?
Teach them to make a commotation if someone trys to grab them; running and screaming if the best way to draw attention and either make the predator abort or get witnesses to the act.
Teach children how to use 911 or another emergency telephone number. Leave a number so that babysitters can reach someone in an emergency.
Teach children their home telephone number and address. Show them how to call home from a pay phone even without money.
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