easy diy tattoo removal | Many consumers fear identity theft yet still engage in risky behavior

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Experians ProtectMyID® exposes a disconnect between what people know about identity theft risks and what they actually are doing to protect themselves

COSTA MESA, Calif., Oct. 21, 2013 /PRNewswire/ -- A new online survey by Harris Interactive, conducted for Experians ProtectMyID®, reveals consumers are still at high risk for identity theft, failing to practice even simple safeguards. The survey, fielded to coincide with National Protect Your Identity Week, shows the vast majority of U.S. adults (93 percent) recognize identity theft is a growing problem. Yet, 61 percent feel it would not be very difficult for a person to steal their identity and 67 percent are concerned that identity theft will affect them in the future.

The national study surveyed more than 2,000 consumers on their perceptions and activities related to identity theft. While 89 percent of online U.S. adults say they take steps to secure their digital information, more than half (55 percent) dont always check to see if a Website is secure before shopping online, and more than three out of five adults who have online accounts (63 percent) dont use a unique password for each of their online accounts.

"This survey clearly shows that, while people are more aware and concerned about identity theft, they are not doing what they should to stay protected, especially when it comes to online activities," said Ken Chaplin, senior vice president of marketing for Experians ProtectMyID. "Consumers clearly dont want to become victims, yet they continue to put themselves in danger."

The results also reveal that 92 percent of U.S. adults believe people should be more concerned about identity theft. In addition, 33 percent dont feel confident they are doing enough to protect their identities.

Additional key findings from the survey

Digital devices under-protected - U.S. adults own and use a variety of devices, but more than two in five of those who own a smartphone (43 percent) report they rarely or never use a password to unlock their smartphone. Additionally, 47 percent of adults who own a tablet indicate they rarely or never use a password to unlock their tablets.

Risky shopping - Ninety-one percent of U.S. adults shop online; however, many dont safeguard their credit card information. The survey shows that 57 percent of online shoppers dont always go to sites directly (by typing the name in their web browser), but instead click on links. This action increases the risk of going to a fraudulent site designed to capture the visitors personal information.

Social networking is too social - Among U.S. adults who have a social network profile such as Facebook and Twitter, slightly more than one in three (36 percent) manage their privacy settings on an ongoing basis. Many may be exposing themselves to fraud by allowing certain information to be public, such as educational background (60 percent), date of birth (44 percent), and email address (36 percent).

Real-world scenarios create simple dangers - Twenty-three percent of adults admit they set their purses, bags or jackets containing wallets under the table or behind them on a chair at a restaurant.

Social Security cards can put sensitive information into the wrong hands - Forty-six percent of adults write their Social Security number on job applications, medical forms, etc., and 29 percent say they carry their Social Security card (or a copy of it) in their wallet or purse.

About the survey
This survey was conducted online within the United States by Harris Interactive on behalf of Experian from Oct. 3–7, 2013, among 2,041 adults ages 18 and older. This online survey is not based on a probability sample; therefore, no estimate of theoretical sampling error can be calculated. For complete survey methodology, including weighting variables, please contact ann@pitchpublicrelations.com.

About Experians ProtectMyID
ProtectMyID is a leading, full-service provider of identity theft detection, protection and resolution. ProtectMyID offers comprehensive identity theft protection features supported by experienced identity theft resolution professionals who deliver personal attention that customers can rely on. ProtectMyID.com® is a Website owned by ConsumerInfo.com, Inc., an Experian company. For more information about how ProtectMyID helps consumers protect themselves against identity theft, please visit http://www.ProtectMyID.com.

About Experian
Experian® is a leading global information services company, providing data and analytical tools to clients around the world. The Group helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score, and protect against identity theft.

Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended March 31, 2013, was US$4.7 billion. Experian employs approximately 17,000 people in 40 countries and has its corporate headquarters in Dublin, Ireland, with operational headquarters in Nottingham, UK; California, US; and Sao Paulo, Brazil.

For more information, visit http://www.experianplc.com.

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.

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diy tattoo kit ebay | Poverty Solutions Require Housing Strategy

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THUNDER BAY - Poverty has been on the minds of Thunder Bay City Council. After hearing a report on poverty from the Lakehead Social Planning Council, Council is now awaiting a report later in November. The pillars explained to Council on Monday night are parallel to the issues raised by the Crime Prevention Council, the Anti-Racism Council, and other local groups.

The issue of housing has been a constant in all of the reports in the Thunder Bay plans. 

A new report from researchers at Boston College and Tufts University shows the distinct emotional and educational price children pay when their families live in run down apartments and homes.

Poor Quality Housing Increases Problems

Data culled from a six-year study of 2,400 children, teens and young adults found emotional and behavioral symptoms such as anxiety, depression, lying and aggressive behavior are closely connected to poor housing quality and the related stress placed on parents, children and families, according to the report, which was published in the journal Developmental Psychology.

Children growing up in poor quality housing plagued by leaky roofs, broken windows, peeling paint, debris and vermin experience greater emotional and behavioral problems at young ages and later see their school performance suffer, researchers report in one of the most comprehensive assessments ever conducted into the impact of housing on children in the U.S.

Low Vacancy Rates in Thunder Bay

In Thunder Bay the vacancy rate has been extremely low. That has meant higher prices for rent, and landlords taking a completely different approach to the selection of potential tenants. 

Sources tell NetNewsLedger that the issue might also reflect racism with many apartment owners selecting tenants based on their ethnicity. 

“Through no fault of their own, children and teens whose families live in substandard housing are paying a steep price in terms of their emotional and behavioral well-being,” said a lead author of the study, Boston College Professor of Education Rebekah Levine Coley. “That carries on into school and creates deficits that are extremely difficult to overcome.”

Most telling was the finding that poor housing quality was the most consistent and strongest predictor of emotional and behavioral problems in low-income children and youth who were studied when compared to factors such as affordability, ownership, residential stability or housing subsidy receipt, according to the researchers, whose analysis was funded by grants from the MacArthur Foundation and the W. T. Grant Foundation.

Furthermore, residential instability – the moving from place to place, even if only a few blocks away or the town next door – disrupts the functioning of low-income children over the long term, , according to Coley, who conducted the study with Tufts University Professor Tama Leventhal. Although single moves may provide a boost to poor children and teens in the short-term, perhaps allowing them to access safer housing or better schools, over time the cumulative effect of residential instability took a toll on children, increasing emotional and behavioral problems.

A toll was taken not only on children, but their parents, generating stressful conditions within families, said Coley, a professor of Counseling, Developmental and Educational Psychology at the Lynch School of Education.

“A big takeaway is that many of these links function in part through parenting and parental stress,” said Coley, whose research examines the intersection of families, neighborhoods and public policy. “We know that environmental stress can come not just from outside the home, but from the home itself when we consider the impact of living day-to-day with exposed wiring, peeling paint, rodents, poor sanitation and a lack of natural light, or with frequent moves from home to home.”

An estimated two million poor children lived in run-down and unsafe housing in 2005, and double blows dealt to low-income neighborhoods by the housing crisis and the recession have likely worsened the situation.

Among the many interrelated issues the researchers untangled was the impact of affordability. While many of the families struggled with housing costs – with most paying more than 30 percent of household income toward housing – whether or not housing was affordable was not predictive of children’s well-being. Similarly, living in owned homes or government-assisted housing rather than private rental stock did not

outweigh the issues of quality and stability.

Researchers found a strong link between the stress poor housing quality placed on parents and the problems experienced by children, according to the report. For parents, the strain of living in substandard housing produced symptoms of anxiety and depression.

The study, which focused on families living in low-income neighborhoods in Boston, Chicago and San Antonio, may serve to focus policymakers on making the link between quality and affordability in new housing legislation and regulations.

“There’s a tremendous amount of attention paid to affordability and that’s a critical issue for low-income families,” said Coley. “What our findings suggest is that housing quality may be more important when we are concerned with the growth and development of children. The data suggest policymakers make housing quality a priority as they work to resolve the housing crisis facing low-income families.”

http://www.netnewsledger.com/2013/10/23/poverty-housing-youth-pay-price/#sthash.1wXMYyQL.dpuf

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