Whoo!
I'm still alive!
Man, it has been a pretty crazy last few weeks.
Survived Hurricane Irma taking a beating to Florida.
Flooding everywhere, half my city was underwater for a while, it was nuts.
But now everything's pretty much back to normal, the sun's out, life's good and
things are looking up.
Alright, breaking news this morning.
Credit reporting company Equifax says personal information of 143 million people has been
compromised -
[pained crying]
What is up, my fellow Money Minions!
My name is Troy, also known as - the Dollar Dude.
How have you been?
Welcome back to another video, and as all the money minions out there know, we talk
personal finance and building a life full of financial freedom here and we keep it as
simple as and real-world as possible.
If you're down with that and you're not yet a minion, hit that subscribe button and
that little bell icon next to it so you don't miss a second of all this chocolate.
What did you think I meant?
#kingsize
Ugh.
Equifax.
I'm a little late to the party - I'm sure you've all heard about this by now.
143 million people compromised, names, birthdates, addresses, social security numbers.
Equifax, come on!
I thought we had an understanding.
I've even written you letters in previous videos.
"My dearest, darling Equifax.
I know it's been a while since I last wrote."
"You and I - heh, we always had kind of a love-hate relationship."
'Cause apparently, you have no idea what the heck you are doing.
You don't deserve this fedora!
So people are livid, right?
Heads are rolling, the chief security officer and the CEO just "retired", things are
pretty bad over there.
But none of that matters, because the important part is this - 143 million consumers had their
personal information exposed.
This is serious.
So Equifax went into full damage control mode and set up a site where people could sign
up for a year of free credit monitoring.
Setting aside the fact that 1 year is not even close to enough - ramifications from
this could last well into the next decade - they also hid in the fine print that if
you signed up, you waive your right to join a class-action and agree to arbitration instead.
...a.k.a., you can't sue them for this.
I'm sorry, what?
And only after a huge amount of backlash did they drop it (or quote unquote "clarify")
that the auto opt into arbitration wouldn't apply to this data breach.
Still if you want to sign up for the 1 year of monitoring, I highly recommend you send
a letter certified mail within 30 days, explicitly stating you do not wish to be subject to binding
arbitration.
Aka, it's my data and I'll sue if I want to.
Better safe than sorry.
But yeah, in my opinion, I just say forget all that and not even bother with Equifax's
credit monitoring.
So what can you do?
I'm sure I don't have to tell you that identify theft is no joke and can take years
to try and clear up once it happens.
Let me know down in the comments if you or someone you know has ever been a victim of
identity theft, and how you handled that - also, any tips or tricks that you now use to keep
it from happening again.
Bottom line, take the steps to protect yourself.
I'm going to tell you what you should be doing right now.
Listen up, this one's important.
First thing you need to do is get your credit reports.
Remember, in the 4 Tips on How to Write A Dispute Letter video, which you watched, right?
I already told all the money minions out there how to do this, but in case you missed that
one, you're going to want to go to annualcreditreport.com.
Totally, 100% free to get your credit reports from each of the three bureaus once a year,
or every 4 months if you space them out.
Second thing I'd recommend is signing up for a free monitoring service like CreditKarma
or CreditSesame that allows you to monitory your reports yourself.
CreditSesame lets you pull an update every month, and CreditKarma lets you pull an update
every 7 days, but since it takes about 30 days for any new information to pop up on
your credit report anyway, it's pretty much the same thing.
Both of these services will try to suggest credit cards and other financial products
to you based off of your history.
That's how they make their money, it's fine, you don't gotta get mad, you can just
ignore it.
What you're looking for here is a free way to keep an eye on your credit reports more
frequently than annualcreditreport.com can give to you by itself, because the most frequent
you can keep an eye on that is pulling one bureau's report every 4 months.
Number 3, look into getting identity theft insurance.
It's not too late to look into identity theft protection because of this breach.
This isn't the first data breach and it sure won't be the last, and it's a good
bet to have this stuff in place.
Lots of places offer good plans on identity theft insurance, I know Zander Insurance is
one, off the top of my head.
Now you man say, "eh, identity theft protection is just a ripoff cause if your identity is
stolen, you're protected, the banks refund your money anyway."
That's right, for the most part they do.
But you're missing the point.
If you do lose money, the insurance will reimburse you, of course.
But the main benefit is not having to deal with spending hours and hours, day after day
on the phone or in the banker's office trying to clear this mess up.
Ain't nobody got time for that!
Your time is valuable and identity theft protection is meant to save you from all that hassle.
So it's a good idea to have it in place, believe me.
Number 4, and this is the BIG one: Think about putting a credit freeze in place.
Freezing your credit pretty much locks down your credit report and no new accounts can
be opened on it.
You can still use any open accounts just fine, but you can't create any new ones.
Each of the bureaus you do this with will provide you a security PIN number that you'll
have to provide back to them If you ever want to unfreeze it.
Now, freezing your credit reports is kind of like chopping an onion with a circular
saw.
For some people, it might be a little much.
If you've put in the work and time and saved up the 10% down payment for a house and you
were just about to go for it when this happened, well then, freezing your credit probably isn't
the best choice for you right now.
But it's an option for all of us.
But hey, if you're debt free and plan to stay that way, go ahead and freeze your credit
cause it's not like you're using it anyway.
Once your credit is frozen, that does NOT mean your job is done.
If you still have open credit accounts, you still need to keep a regular eye on those.
Freezing your credit only keeps new accounts from being opened without your say so.
It does not lock down your existing accounts, got it?
Those numbers can still be stolen and used by whoever.
You do have to call each bureau individually to initiate a credit freeze.
All three - Equifax, Experian and TransUnion.
Now it does cost a fee to do a freeze, Equifax has waived their fee because they're the
reason we're all in this mess, but Experian and TransUnion do have fees and they vary
by the state you're in.
When you call them up, some of them may try to talk you into "locking" your credit
report for free instead of "freezing" it.
I know TransUnion is one bureau that does this for sure.
What's the difference?
Well a credit lock is free, but it still allows the bureaus to sell your information to companies
for those pre-approved offers you get in the mail sometimes.
But, if you freeze your credit, they can't do anything with it, by law, without your
approval.
If you want to do a freeze to protect yourself, then do a freeze to protect yourself.
Don't let someone on the phone talk you out of it if that's what you want to do.
Look down below in the description, I've got the numbers you need to call for all three
bureaus if you want to do this.
Cause I got your back, fam.
By the way, if you choose to do a credit freeze, the phone numbers are getting slammed right
now, obviously.
Call in the middle of the night if you have to.
You'll get through eventually.
This Equifax data leak is a pretty bad situation nationwide, but hey, if you take the steps
to protect yourself and protect your financial freedom, then we can all breathe a tiny bit
easier.
And I'm all for that.
And this one is done guys, I'm so glad to be back.
Hit the like button if you liked it, or if you're not yet a Minion, subscribe to the
channel if you feel so inclined, we'd love to have you.
Also, if you've got a question, finance or otherwise, leave a comment down below,
let's talk about it.
So until next time, my fellow Money Minions, my name is Troy and I will see you guys...
...next Dollar!
For more infomation >> Equifax Data Leak! Here's What You Can Do NOW to Protect Yourself - Duration: 7:45.-------------------------------------------
The Numbers and Counting 1 to 10 with farm Animals | Number Rhymes For Children - Duration: 8:31.
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【HD中字】韓劇《犯罪心理》2017.09.28 李準基&孫賢周&文彩元 V LIVE 犯罪心理 Voice Only #9 劇中台詞 - Duration: 1:50.
There was a sound during the blackout
and the suspect secretly came in through the door.
The suspect has a different pattern than other criminals.
Especially when it comes to sexual violence.
He devises a well thought out plan
and imagines the situation before committing the crime.
He cut off the electricity in a dark place
and felt pleasure in seeing the disorder among the people.
Are you saying the suspect is displaying different behavior than from his past crimes?
At first, he started off by breaking in
and simply committing robbery.
From looking at the incidents, he is very bold and confident.
In the second crime, he left a witness, as if he had nothing to hide.
He displayed an enraged and sadistic personality when he left a witness and
forced that person to see his face.
What does this mean?
There's probably a story from his past that is connected to these crimes.
We will have to figure out that story.
The fact that he left a witness is probably a message.
The suspect is making demands to whomever is watching him.
Whoever that is, it's probably someone from his past.
There are probably many more unknown victims.
Since only 12% of rape victims report the crime in Korea.
The victims from the first case were all Christians, which made it harder to report.
He probably anticipated that. Victims in places that wouldn't file reports...
Why do you think he was inactive for six months?
There was probably a shift of some sort in his life during that time.
It's probably related to why he changed his target.
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Top 10 Richest Football Players in Italy | 2017-2018 | By Sports Support - Duration: 5:33.
Top 10 Richest Football Players in Italy | 2017-2018 | By Sports Support Top 10 Richest Football Players in Italy | 2017-2018 | By Sports Support
Top 10 Richest Football Players in Italy | 2017-2018 | By Sports Support
Subscribe to our channel by clicking the subscribe button click the bell button and enjoy the latest uploads from our channel hello friend and fans
Welcome to my channel sports support. My name is caddie today. I will present
top 10 richest football players in Italy
number 10, Giorgio Chiellini
15 million dollars USD
Shalini is arguably one of the best defenders in history the 32 year old Italian has been a pillar for his serie team
Juventus since the Year
2005. Everything seems to be going good for defender because other than the fact that
Walter Mazzarri has often praised him as the best footballer to work with he has ever been ranked by the
Guardian as the 50th best player in the world
Number nut Roberto Baggio 15 million dollars
Roberto might be retired
But still manages to find a spot on this list with his rich experience with many teams during his career including Milan and Juventus
The Italian forward was gifted playmaker with him specializing in curling free kicks
The 49 year old was mostly deployed as a second striker and occasionally as the attacking midfielder due to his goalscoring
prowess
number 8
Alessandro, Del Piero
25 million dollars
Piero makes the list even after retirement well probably because he is the ninth most capped player of all time
The creative supported forward blade for the Italian giants Juventus and red substance with other teams such as Padova Sydney
FC and the lastly the Delhi dynamos after which he retired dot Piero has scored in every competition he has participated
in and also represented Italy in three
Number seven Daniele De Rossi
25 million dollars the list wouldn't be complete without the 33 year-old
Defensive midfielder who plays for the team Roma and the national team in?
2006 he was named as the Serie A young footballer of the year which was followed by the ceremonial
Footballer of the year in two thousand and nine dot during his prime he was considered to be one of the best midfielders
Number six
Paulo says M Maldini
25 million dollars the 48 year old defender played for Milan since
1985 to
2009
Maldini was the football equivalent of a brick wall which earned him the best defender trophy of the UEFA Club Footballer
wards which was seconded by the Serie defender of the Year award back in
2004. He was also a good captain for many years on the Milan team and on the national side turning him the moniker
Capitano meaning the captain
Number for Andrea Pirlo 30 million dollars Pirlo currently plays for Major League Soccer Team, New York City
FC dot his remarkable career path can be traced from Italian giants Milan and Juventus, which he left in
2015. He is a deep-lying playmaker for both his club and the international team many people know andrew from the
2006 fifa world cup in which he was named the man of the match three times number 4 Mario Balotelli
40 million dollars
there is so much to say about the
26 year old forward who currently plays for the league one club nice and also the national team
He is the only player on this list who has not played for one, but two English League clubs
Which are Manchester City and Liverpool. Mario has crazy and unpredictable?
Nature, which wasn't favoured by managers and other players
But with all that said Balotelli was an aggressive player who was an aerial threat and always had an eye for goal number 3
Fabio Cannavaro
45 million dollars
Fabio who is 43 years old is currently the manager of Chinese club Nanjing cranium dot he is considered to rank among the top?
Defenders of all time Fabio has played in some of the finest teams in association football namely Napoli
Internacional
Juventus and the Spanish giants Real Madrid Cannavaro, led his country mates to a victory in the 2006 FIFA World
Nomber to
Francesco Totti
67 million dollars the 40 year old currently plays and captain's for Roma and is mainly an attacking midfielder
And a second attacker, but also works as a frontman or winger
He has played for Roma all his career with no transfer. Taki has many awards, but most notably he has a record 11 Oscar
Del calcio awards Tati has proven you can play football in your forties and still add the same value as a 19 year old hot
Number one jar emoji before
72 million dollars
Finally the number one player on the list is another lad from Juventus
And it happens to be their keeper the 38 year old plays for Serie team Juventus and the Italian national team
We can just start with the fact that he is the most capped player in the Italian national team and the sixth in the whole
World the Italian is an amazing shot stopper and the most expensive goalkeeper after his 50
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Philippe Coutinho - I will do my best for Liverpool FC after summer of uncertainty | News Now | #LFC - Duration: 1:59.
PHILIPPE COUTINHO insists he will give his "maximum" for Liverpool following a summer
of uncertainty over his future.
Liverpool rejected a £120m offer from Barcelona despite their Brazilian playmaker wanting
to quit Anfield for the Nou Camp.
There were concerns how committed Coutinho would be to the cause when his dream move
collapsed.
But he was back to his best in Tuesday's Champions League draw with Spartak Moscow
when he scored for the second consecutive game.
And Coutinho says he is relaxed about his situation and remains focused.
"I'm calm," he said.
"It's all passed by, I'm here to defend the colours, to give my maximum."
Coutinho was disappointed that Liverpool failed to take a number of good chances to secure
a victory in the 1-1 draw.
"We were the better team, we had more of the ball, we created more chances and I think
we deserved to win," he added.
"But they scored, we drew and it wasn't really the result we wanted, but we have to
keep working and there are another four games to come.
"We watched videos, the coach gave us information, they're certainly great opponents, with
a lot of quality.
It was a difficult game and, as I said, we created more but it wasn't a good result."
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The most Commonly Misdiagnosed Disease in America Today Commonly Misdiagnosed Conditions - Duration: 3:10.
health beauty and weight loss youtube channel
I'm dr. John and today I'm going to show you what is the most commonly
misdiagnosed disease in America today Wilson disease Whipple disease lyme
disease Parkinson's disease and Van Willebrand's disease
Wilson disease is a genetic disease that leads to the impairment of coffered
transport the disease is most often overlooked in a patient who presents
with the psychiatric neurological manifestations of this abnormality they
can present with cognitive impairments gait abnormalities tremors drooling
inability to speak clearly and a weird facial expression that looks like they
are grinning unless the clinician does an eye exam and misses the
characteristic brownish yellow rang about the cornea cássia Fleischer ring
he may miss the diagnosis Whipple disease is caused by a bacterial T with
life at causes chronic diarrhea malabsorption and a resulting weight
loss the problems grow over time causing joint pain dementia and problems with
inflammation of the heart since it doesn't produce a fever clinicians do
not always look for an infectious agent Lyme disease is a tick-borne illness
that is caused by a bacterial spirochete poorly Bergdorf lie
even though over the last few decades clinicians have been better at
diagnosing the acute manifestation of this disease if it has been missed
during its initial presentation or poorly treated the continuing
consequences of this infection can be easily missed late sequelae of this
infection can cause arthritis especially in the knee of subtle chronic
inflammation of the brain or a kind of nerve pain called Paula neuropathy since
these sequelae can appear months to a few years after the initial infection
they can be easy to miss diagnose Parkinson's disease is a disease of the
brain where cells responsible for the production of the chemical messenger
dawood mind breakdown and the chief features of Parkinson's
disease is tremor slow movement and rigidity but the early stage of the
disease is very difficult to diagnosis without good position observation skills
von Willebrand's disease is another inherited disorder this munna defect in
the clotting mechanism unlike the obvious presentation of patients with
haemophilia only 1% of patients with this abnormality which causes an
efficiency in the adhesive bridge between platelets the blood component
that seals bleeding holes and the site of injury have any symptoms so in many
patients that have easy bruising or skin bleeding this condition is overlooked
thank you for watching
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