crime Archives - Hanover Mortgages

Apache is functioning normally

September 27, 2023 by Brett Tams

According to IBM’s annual Cost of a Data Breach report, the average cost of a data breach to an organization in 2021 was 4.24 million dollars. That’s the highest average figure in its 17-year history. Most of these breaches were the result of compromised user credentials (where an attacker is able to gain unauthorized access to an account) and are often more costly where remote working is involved.

cyber attack

These breaches aren’t just costly for large enterprises, though. Many small organizations fail to recover from a serious data breach (where the average cost is just under $700,000), with 60% of them going out of business within 6 months of an attack.

But of course, we can also fall victim to cyber attacks as individuals, and the cost to us can be significant, too. If you’ve been unlucky enough to have been a victim of a data breach, or (worse), identity theft, you’ll know that you can lose eye-watering and potentially crippling sums: this hacking victim lost over $13k in 2020.

But when we talk about the cost of a cyber attack to an individual, we’re not talking simply about financial losses.

How to Avoid a Cyber Attack

Psychologically, the after-effects of a cyber attack can be damaging. The feeling that you’ve been manipulated by a stranger (and your personal data has been ‘invaded’) can be deeply unsettling. It can lead to a serious loss of confidence, and make you increasingly wary of trusting others. It can cause embarrassment, too, as a victim of a hack can be made to feel as if it’s their fault.

I just watched a documentary on the dark web, and I will never feel safe using my credit card again!
Luckily I don’t have to worry about that. I have ExtraCredit, so I get $1,000,000 ID protection and dark web scans.
I need that peace of mind in my life. What else do you get with ExtraCredit?
It’s basically everything my credit needs. I get 28 FICO® scores, rent and utility reporting, cash rewards and even a discount to one of the leaders in credit repair.
It’s settled; I’m getting ExtraCredit tonight. Totally unrelated, but any suggestions for my new fear of sharks? I watched that documentary too.
…we live in Oklahoma.

In the most extreme cases (where a cyber attack has led to a significant loss of funds or even the loss of a job) the effect can be even more harmful, leading to stress, anxiety and even depression. Whatever the financial cost of an attack, the emotional cost is often far more significant in the long run.

Fortunately, there are a number of steps you can take to secure your data and ensure you’re aware of the threats you might face while online.

Check If Your data Is at Risk

Without knowing it, your data might have already been involved in a breach. A breach usually occurs when a hacker gains access to the database of a service or company which contains users’ private information, including (but not limited to) usernames, passwords, email addresses and, in the worst cases, bank account details. If you’ve been involved in a data breach, some of your personal information might have been made public without you realizing, which could put you at risk of identity theft.

But don’t panic. You can check if your email address or phone number has been exposed in a data breach by going to Have I Been Pwned. If any of your accounts may have been compromised, change those passwords immediately, and make sure you’re not reusing the same passwords across multiple accounts.

Use Strong Passwords

Speaking of passwords, nearly a quarter of Americans have admitted to using a password like “password” or “123456”. These should clearly be avoided, as they’re easily guessable and won’t take long for a hacker to crack. The longer and more complex a password is, the stronger it is. You can check the strength of your passwords at Security.org.

Using a “passphrase” (a series of unrelated words with spaces in between) is often more effective than using a simple combination of letters and numbers, as these can be harder to crack. This can help to protect your accounts from threats like brute-force attacks, in which attackers will submit vast numbers of possible passwords in an effort to guess correctly.

Protect Your Website(s)

This action may not apply to you, of course — but if you happen to run a website (for a small business, perhaps, or even just a hobby such as blogging) then your personal information is inextricably linked to it, and it can be a huge point of vulnerability. If someone gains access to it through a CMS exploit or a comparable weakness, they can learn your passwords, uncover private information, or even hold the site hostage in an effort to extort you.

Keeping extortion efforts at bay is largely a matter of investing in technical safeguards. Top managed hosting platforms are particularly good at keeping ahead of potential attackers, and some (e.g. Cloudways with its 2022-launched Cloudflare CDN integration) are investing in native features that make it all but impossible for run-of-the-mill hackers to gain access. Overall, though, the biggest thing you can do is refrain from storing any sensitive information on your website. Anything intended for public viewing inevitably makes a bad storage vault.

Beware of Suspicious Emails

One of the most common ways individuals fall victim to cyber crime is through phishing attacks, a type of ‘social engineering’ where an attacker sends a fraudulent email to an intended victim enticing them to click a suspicious link or hand over personal information. Phishing emails often appear as though they’re from a legitimate organization (like your bank, for example) but there are some classic signs to look out for.

Check the email domain (the bit after the @ symbol) to see if it looks legitimate. If it’s misspelled (or a public domain like gmail.com) it could be a scam. Next, check for poor spelling and grammar in the body of the email, as phishing attempts are often shoddily written. If you have the slightest suspicion that the email may not be legitimate, do not respond or click any links in the email. To ensure you’re aware of the telltale signs, IT Governance has produced a handy guide on the ways to detect a phishing email.

Update Your Software

Cyber threats are constantly evolving, with hackers developing newer, more sophisticated ways to gain access to our devices and our personal data. That’s why it’s so important that our operating systems and software programs are always updated to the latest available versions. These newer versions will fix previously discovered vulnerabilities and offer greater protection against emerging threats.

If you’re still using an outdated operating system, for example, it may contain weaknesses that can quite easily be exposed by an attacker, especially if those weaknesses are public knowledge. Use a tool like Soft4Boost to check for out-of-date and potentially vulnerable software, and update to the latest supported versions where necessary.

Secure Your Devices

It’s also important to protect our physical devices, as a lost or stolen device could present an easy opportunity for an attacker to gain access to your personal data. Ensure a password or PIN is always required to access the device (and don’t use anything easily guessable like 0000 or 1234). Many devices now enable facial recognition or fingerprint access, so enable these functions where possible. When you’re not using your device, make sure it’s locked.

Backing up your data is essential, too, so that it can be recovered in the event of a data breach. Most computers will include a backup facility, while mobile phone data can usually be backed up using cloud storage. Finally, beware of unsecured public Wi-Fi networks (where no password is required for access) as these are often prime targets for an attacker, and disable your Bluetooth function when you’re not using it.

Source: credit.com

Apache is functioning normally

September 26, 2023 by Brett Tams

Between 2000 and 2007, 5,306 people with criminal backgrounds became loan originators in Florida, according to an investigation conducted by the Miami Herald.

Of that group, 2,201 had committed a financial crime such as mortgage fraud, money laundering, or worse, but still managed to enter the business with little or no opposition.

This could be attributed to the fact that loan originators aren’t subject to the same licensing requirements as mortgage brokers, and as such, are significantly less regulated.

The Herald found that more than half of the 120,563 “mortgage professionals” registered in Florida joined the troubled industry this decade without being state-licensed.

But even mortgage brokers managed to find work in the industry as loan originators after having their licenses stripped or denied, with some knowingly circumventing the law.

One former broker who had previously committed $4 million in mortgage fraud in the state of Maryland wittingly applied as a loan originator, knowing this would be his only way back in.

Interestingly, that broker is now in charge of compliance at the firm he works for, though he rationalizes that he’s the best man for the job because of his checkered past.

The investigation, which utilized court documents, state industry reports, police reports, and internal e-mails, found that one in five loan originators at 30 mortgage lenders that employed 50 or more workers had a criminal background.

Good to know…

Source: thetruthaboutmortgage.com

Apache is functioning normally

September 25, 2023 by Brett Tams

Sure, your child needs to be 15 before becoming an authorized user on a credit card account, 18 before signing a binding loan agreement, and 21 before applying for a credit card without a cosigner or some income to pay the bills. But long before that, they are “eligible” to have their identity stolen. In fact, according to a Child Identity Fraud Survey conducted by Javelin Strategy & Research, 1 in 40 households with children under age 18 had at least one child with personal information compromised by identity fraud in 2012.

Fortunately, there are ways to protect your kid from becoming a victim of child identity theft. For starters, parents can request credit reports for children under 14; children 14 and over can request a copy of their own credit reports. There are also credit monitoring services they can employ if they’re worried their kin’s personal information fell into the wrong hands. Here’s how to use credit monitoring to protect your child’s identity.

Why Is Your Child at Risk of Identity Theft?

Identity thieves are targeting children 18 and younger, swiping their Social Security numbers and applying for credit accounts in their names and piling up charges. Why? Because children aren’t in the habit of checking their credit. In fact, they often won’t even have a legitimate credit report unless something’s amiss. Remember, credit reports are a detailed account of your credit history, so until your child becomes an authorized user on your credit card account or gets a student loan, for example, they won’t leave a paper trail. In the meantime, thieves can wreak havoc by opening up bank accounts, credit lines, service contracts like a cellphone plan or more if they get their hands on a kid’s Social Security number.

A stranger who accesses a child’s Social Security Number, a dishonest family member or a friend of the family with access to a child’s personal records may commit this crime. Foster care children are particularly vulnerable to child identity theft because of the number of people who have access to their Social Security numbers.

How Can I Monitor My Kid’s Credit?

To protect your child, get in the habit of monitoring his or her credit reports. Reach out to each of the three major credit reporting agencies — Equifax, Experian and TransUnion — and request copies of your child’s credit records.

You will need to provide each credit reporting agency with your child’s name, address, date of birth, plus copies of your child’s birth certificate and Social Security card. You will also need to provide a copy of your driver’s license or other government-issued identification card and a utility bill showing you live at your current address.

Remember, children generally won’t have credit file unless you’ve added them to a credit card account in your name, so the mere fact that a bureau can generate a credit report for your child could be a sign that something’s amiss. Other signs that your child’s identity may have been stolen include:

Pre-approved credit card mail solicitations in your child’s name
Calls from a debt collector asking to speak to your child
An unexpected denial when you go to open up a bank account for your child
The arrival of cell phone or utility bills in your child’s name

If you discover your child is a victim of identity theft, be sure to report the fraud to the local authorities and the Federal Trade Commission.

What Is Credit Monitoring?

A credit monitoring service keeps tabs on your (or your child’s) credit report and notifies you of any changes that may occur. The major credit bureaus offer their own credit monitoring services, along with many of the major financial institutions and credit card issuers. Some services are even specifically designed to monitor a child’s identity.

Of course, prices for credit monitoring can vary, so it’s a good idea to shop around and compare and contrast them carefully. It’s also a good idea to thoroughly vet any company you’re considering. You can check out their record with online review sites, the Better Business Bureau, the Consumer Financial Protection Bureau or even your state Attorney General’s office.

How Can I Monitor My Own Credit for Identity Theft?

If you’re worried about your own identity being compromised, you should monitor your financial accounts regularly — daily if possible. The earlier you can spot unauthorized charges, the faster you can alert your financial institution and fix the problem.

Monitoring your credit regularly is also important. You should pull the free copies of your credit reports you can get once a year from each of the major credit reporting agencies at AnnualCreditReport.com. Signs of identity theft include mysterious addresses, unfamiliar credit inquiries and a major drop in your credit scores. To keep a closer eye on your credit, you can monitor two of your credit scores for free on Credit.com.

Jeanine Skowronski contributed to the reporting of this article.

This article has been updated. It was originally published August 21, 2014.

Source: credit.com

Apache is functioning normally

September 25, 2023 by Brett Tams

In the United States, it’s illegal to drive a car without car insurance. Depending on the state you’re driving in, the consequences of doing so can range from a fine to a misdemeanor on your record. So, if you’re planning on hitting the road anytime soon, be sure to purchase car insurance to avoid penalties.

In this article, we’ve researched the average cost of car insurance by state to give you a better idea of how much to budget.

Key findings:

According to AAA, the national average cost of car insurance for a full-coverage policy was $1,588 in 2022.
On average, the cheapest states for full coverage car insurance are Ohio, Maine and Idaho, while the most expensive states are Florida, Louisiana and Michigan.
USAA, Geico and State Farm offer the cheapest minimum coverage plans, while USAA, Geico and Nationwide offer the cheapest full-coverage insurance.
The average cost of car insurance tends to decrease with age, but starts to rise again around age 70.
Individuals with high credit scores pay lower car insurance premiums on average compared to those with poor credit.

How much is car insurance?

According to AAA, the national average cost of car insurance for a full-coverage policy was $1,588 in 2022. This figure is based on an under 65 years old driver who lives in the city or suburbs, has over six years of driving experience, and has not been involved in any accidents.

Average cost of car insurance by state

When calculating the cost of car insurance, the state you live in plays a role in how much you can expect to pay. This is because factors like population density, climate, road conditions and crime rate in your area can play a part in the likelihood that you’ll file a claim.

According to insurance.com, the cheapest states for car insurance if you’re looking for minimum coverage are Iowa, South Dakota and Wyoming costing an average of $263, $267, and $293, respectively. Meanwhile, the cheapest states for full coverage auto insurance are Ohio ($1,023), Maine ($1,116), and Idaho ($1,121).

The most expensive states for car insurance in terms of minimum coverage are New Jersey, Florida, and New York where drivers pay an average of $989, $908 and $875, respectively. For full coverage insurance, drivers in Florida ($2,560), Louisiana ($2,546), and Delaware ($2,137) pay the most in the country on average.

State	Minimum coverage	Full coverage
AK	$336	$1,359
AL	$420	$1,542
AR	$422	$1,597
AZ	$494	$1,617
CA	$582	$2,115
CO	$467	$1,940
CT	$773	$1,750
DE	$821	$2,137
FL	$908	$2,560
GA	$567	$1,647
HI	$389	$1,306
IA	$263	$1,321
ID	$326	$1,121
IL	$484	$1,578
IN	$384	$1,256
KS	$389	$1,594
KY	$717	$2,105
LA	$726	$2,546
MA	$523	$1,538
MD	$607	$1,640
ME	$330	$1,116
MI	$711	$2,133
MN	$479	$1,493
MO	$525	$2,104
MS	$434	$1,606
MT	$389	$1,692
NC	$396	$1,368
ND	$340	$1,419
NE	$350	$2,018
NH	$411	$1,307
NJ	$989	$1,901
NM	$376	$1,505
NV	$683	$2,023
NY	$875	$2,020
OH	$308	$1,023
OK	$352	$1,797
OR	$551	$1,244
PA	$398	$1,445
RI	$648	$1,845
SC	$628	$1,894
SD	$267	$1,581
TN	$368	$1,373
TX	$520	$1,875
UT	$526	$1,469
VA	$469	$1,321
VT	$306	$1,158
WA	$505	$1,371
WI	$375	$1,499
WV	$474	$1,610
WY	$293	$1,736

Average cost of insurance by company

Another factor that’s going to influence how much you can expect to pay for car insurance is the specific company you purchase your plan through.

According to U.S. News & World Report, USAA, Geico and State Farm offer the cheapest minimum coverage plans, while USAA, Geico, and Nationwide offer the least-expensive full-coverage insurance.

Farmers, Progressive, and Nationwide offer the most expensive minimum coverage rates while Allstate, Farmers, and Progressive offer the most expensive full coverage plans.

Insurance company	Minimum coverage	Full coverage
Allstate	$1,961	$2,138
American Family	$1,327	$1,388
Farmers	$1,782	$2,059
Geico	$1,064	$1,238
Nationwide	$1,347	$1,338
Progressive	$1,440	$1,650
State Farm	$1,191	$1,348
Travelers	$1,290	$1,448
USAA	$948	$1,056

Average cost of insurance by age

According to CarInsurance.com, the cost of both minimum and full coverage car insurance tends to decrease with age, as seen in the chart below. However, there is an uptick around age 70 where rates start to go back up.

Age	Minimum coverage	Full coverage
20	$1,109	$3,532
30	$539	$1,785
40	$520	$1,682
50	$496	$1,581
60	$482	$1,511
70	$554	$1,661

Average cost of insurance for young drivers

Young drivers are the most expensive age group to insure. Although there are a few exceptions, insurance rates decrease with age among young drivers.

Age	Minimum coverage	Full coverage
16	$2,402	$7,203
17	$1,971	$5,924
18	$1,706	$5,242
19	$1,234	$3,874
20	$1,109	$3,532
21	$884	$2,864
22	$794	$2,593
23	$736	$2,415
24	$690	$2,267

Average cost of insurance by credit score

According to the Insurance Information Institute, your credit score is a good indicator of how many insurance claims you’ll file. As a result, insurance companies use credit scores to determine risk, and those with a good credit score pay cheaper premiums. The Zebra found that individuals with poor credit pay approximately 114% more than those with great credit.

Credit score	Average annual rate
Very poor (300-579)	$2,887
Average (580-669)	$2,296
Good (670-739)	$1,912
Excellent (740-799)	$1,606
Exceptional (800-850)	$1,350

What factors affect your car insurance rate?

As you can see from the above charts, the cost of car insurance varies by the following factors:

Age: Typically, young drivers under the age of 25 and senior drivers over the age of 65 are charged more for car insurance.
State of residence: Since the minimum coverage required varies by state, your location is one of the factors that will influence the price.
ZIP code: In addition to your state of residence, your ZIP code will also play a role in the cost of insurance since your vehicle is more likely to be damaged in certain areas, such as ZIP codes with high crime rates. Typically, the cost of car insurance will be greater in cities than in rural areas.
Marital status: Statistically, married drivers are less risky than single drivers resulting in a lower insurance cost.
Gender: Based on risk, male teenage drivers tend to have the highest cost of car insurance of any demographic.
Credit history: Those with a low credit score tend to pay higher premiums than individuals with good credit.
Driving record: Since car insurance premiums are based on risk, individuals with a good driving record can expect to pay lower premiums, while those with a poor driving record may experience increased rates.
Car make and model: You may pay less if you drive a vehicle that insurance companies deem safe. On the other hand, you’re likely to pay more if you drive a small sports car since they pose a higher risk.
Mileage: Higher annual mileage increases the risk you’ll get into an accident and will likely raise your premiums.
High-risk violations: Driving under the influence and at-fault accidents are examples of violations that may result in you being considered a high-risk driver.

What’s the difference between full and minimum coverage?

Minimum coverage car insurance — liability coverage — is required in most states and is used if you’re at fault in an accident. This coverage will pay for damages and injuries of the other party when you’re responsible for the incident.

On the other hand, full coverage insurance, or collision coverage, includes liability coverage plus damage caused to your own vehicle. Keep in mind that lenders often require you to obtain full coverage insurance before you get an auto loan.

FAQ

Below, we’ve answered some common questions regarding the cost of auto insurance.

Can my driving record affect my car insurance rate?

Your driving record is one of the factors that affects your car insurance rate. As a result, those with traffic violations or accidents on their record can expect to pay higher premiums.

Does your car insurance cost go down after you pay off your car?

Your care insurance cost doesn’t typically go down after your pay off your car. However, you do have the option to decrease the amount of coverage on your vehicle once it’s paid off.

Which car insurance company is the cheapest?

As mentioned above, insurance companies that offer the cheapest plans include Geico, Auto-Owners, USAA and Erie.

Does car insurance decrease annually?

For young drivers in particular, car insurance rates decrease each year you renew your policy without filing a claim. You can expect to see the biggest drop in price at age 25.

The average cost of car insurance varies by factors including state, age, insurance company and credit score. Some factors, such as your age, are beyond your control, but other factors, such as your credit score, can be improved.

Check your credit score for free today to see if it’s a reason your car insurance is high.

Source: credit.com

Apache is functioning normally

September 25, 2023 by Brett Tams

Cyber-attacks are on the rise as hackers and criminals learn about and adapt to methods put in place by government agencies to prevent scams. The FBI’s Internet Crime Complaint Center (IC3) reported monetary losses totaling more than $1.4 billion in 2017. [1]

While anyone, regardless of age, can be a target of common money scams, many hackers specifically target seniors. Nearly 17% of reported cyber crimes in 2017 came from victims over the age of 60. And with losses of over $342 million, seniors are losing more money to scams than any other age group. [1] Considering the average age of retirement in the U.S. is 60, this trends is a serious threat to the financial security of many Americans as they enter retirement.

With an empty nest and retirement on the horizon, your senior years should be the time to pursue your passions—not get scammed out of your hard-earned savings.

This guide covers the basics of recognizing and preventing common online money scams, plus provides tips to help seniors navigate the online world safely.

Table of Contents:

Why Scammers Target Seniors

Pew Research shows that seniors are adopting technology, such as the Internet and smartphones, more than ever before. [2] If you’re among the technology adopters, you know how great technology is for connecting with your children and grandchildren who live far away and with friends you haven’t seen in years.

Con artists and scammers exploit seniors online believing that they aren’t Internet-savvy, despite many proving otherwise. Here are a few of the reasons seniors are a frequent target of scams online:

You generally have larger savings accounts and valuable assets.
You’re perceived as more trusting and polite.
You may not recognize and report the scam right away.
As you age, cognitive function and physical ability declines.

How to Recognize a Money Scam

As online scammers get increasingly sophisticated, certain types of fraud can be hard to spot even for the most adept Internet user. To keep from falling victim to scammers’ tactics, make yourself aware of common warning signs and stay vigilant. A gut feeling is always a good place to start. For example, if something feels too good to be true, it probably is. Also, if a request from someone you know feels out of character, trust your instincts and do your research before taking action.

An easy way to know if something is a likely con is to use the three U’s for identifying money scams.

Unexpected: If you receive an email from someone you trust making an unexpected or unusual request for money or personal information, contact them personally to confirm.
Urgent: If the tone of the message is threatening or asks you to act immediately, take time to think it over or tell a friend before acting. If you’re still unsure, check the IC3’s Alert Archive to see if there have been other incidents of the same scam.
Unsecure: Make sure the address bar reads “https://” and not “http://” when entering personal or financial information online. If a URL begins with “https://” that tells you the site is secure and protects information that’s transmitted. If you provide sensitive information to an unsecure site, it can easily be stolen.

Top 10 Online Scams That Affect Seniors

Scammers see senior citizens as easy victims, but you can prove them wrong by educating yourself on some of their common schemes. They often use things like healthcare, retirement savings and online dating to lure unsuspecting seniors into giving over their personal information. Here are 10 of the most common online schemes that target seniors.

1. Medicare Scams

If you’re 65 or older, you might rely on Medicare for your health coverage. Scammers know this and whenever Medicare sends out new cards or makes changes to its policies, they capitalize on opportunities to steal personal information. This can be done over the phone or by email. The scammer claims to be a Medicare representative and insists there’s a fee associated with getting you a new card or that your card has been compromised—neither of which is true.

According to Medicare.gov, “Medicare, or someone representing Medicare, will never contact you for your Medicare Number or other personal information unless you’ve given them permission in advance.”

How to protect yourself: Don’t respond to the email and mark it as junk or spam. If you need to speak with Medicare, call them directly at 1-800-MEDICARE (1-800-633-4227).

2. Health Insurance Scams

In order to make a profit, criminals may try to offer you health insurance plans that have little to no real value. In some cases, they may be selling discount cards or limited-benefit plans, but rarely explain how limited the coverage really is.

How to protect yourself: Never purchase insurance on the spot. Do your research on the company and thoroughly read the details of the coverage offered.

2. Counterfeit Medications

This scam is especially dangerous because it can cost you not only your money but your health. Prescription drugs aren’t cheap, and most seniors are dependent on a medication or two to maintain their health. Scammers exploit this by offering fake prescription medications for purchase online at a low cost. The number of counterfeit medication scams under investigation by the FDA is up four times since the 1990s. [3]

How to protect yourself: Always go through licensed medical professionals to get any prescriptions and pick up your medications at a local pharmacy. If you enjoy the convenience of ordering online, many reputable pharmacies allow you to refill your prescription online or have your medications delivered.

3. Phishing

Scammers often capitalize on your trust in people and institutions by posing as them in emails, on calls or in text messages. For example, the Social Security Scam is a form of phishing where scammers pose as government officials who need your social security information. Once they’ve gained your trust, they use that to gather personal, sensitive information like your Social Security number, bank/credit card information and/or passwords.

How to protect yourself: Always check the sender’s email address or phone number before clicking any links in emails or messages that request personal information.

4. Dating and Romance Scams

Online dating can be great for people of all ages—seniors included. But it’s important to practice the same kind of cautions online as you do in real-world dating. Online dating scams are one of the biggest and most costly scams, and scammers can break your heart and bank account if you’re not careful. It’s a red flag if someone builds a rapport with you only to turn around and ask for money. Even if the request seems heartfelt, like wanting to come see you, it could still be a play solely for money.

How to protect yourself: Take things slow, do your research and never send money to someone you don’t know personally. Even if you’ve met them, run the other way if they ask for money after you’ve known them only for a little while.

5. Investment Scams

In these cons, scammers take advantage of your need to build or maintain retirement savings. A lot of seniors are concerned about making their money last, which makes them vulnerable to ads or requests that promise high-profit, no-risk investments.

How to protect yourself: Stop and think, “Is this too good to be true?” Never accept an offer on the spot. If you’re not sure, talk it over with a trusted friend or check the IC3’s Alert Archive along with other online sources, such as the Scams and Frauds page on USA.gov.

6. Homeowner Scams

Seniors are at a point in life where they’re more likely to own their homes. While some may want to stay right where they are, others have grand dreams of moving to a new location—maybe somewhere warmer. In this scenario scammers work to identify the value of your property and then offer you a reassessment—for a fee, of course.

How to protect yourself: If you want to move, only work with a reputable realtor or go the for sale by owner route.

7. Sweepstakes and Lottery Scams

These scams use a surprise factor to trick you into thinking you need to click something to “claim a prize.” It can come as an email, a web pop up or even within a web page you’re reading.

How to protect yourself: If you receive an email that claims you’re a winner, it’s almost guaranteed to be a scam. On the off chance that you actually signed up for a sweepstakes, check your email inbox to see if you have a confirmation of your signup from the same email address. Better, yet, pick up the phone and call the company before you click on a link in an email or on a website.

8. Fake Charities

Seniors may feel more compelled to donate to those in need or contribute to disaster aid, but unfortunately fake charities often try and get donations after a natural disaster.

How to protect yourself: Do your research. Call a number to speak with someone from that charity or search the charity name and a phrase like “scam” or “fraud” in Google. You can also use the organizations listed by the FTC to research reputable charities.

9. Malware Scams

Using antivirus software is a great way to protect yourself from fraud. Unfortunately, scammers often pose as antivirus providers and instead install malware on your computer. These advertisements are often pop ups or web page ads.

How to protect yourself: Make sure anything you download to your computer is from a reputable source and never give anyone you don’t trust remote access to your computer.

10. Threats and Extortion

These types of scams utilize fear to get the desired outcome. Typically the scammer tells you that something terrible is going to happen if you don’t give them money or personal information.

How to protect yourself: Never act impulsively. Consider whether the scenario seems realistic. If you’re unsure or scared, talk to a friend. If the caller acts like a relative, hang up and call them back to ensure it is, in fact, your relative and not a stranger pretending to be your relative.

How to Protect Yourself Online

It’s good to know the basics about scams and the accompanying warning signs, but there are steps you can take to further protect your computer and online identity from fraud including. settings, tools and government resources.

Keep your firewall turned on. A firewall monitors incoming and outgoing network traffic to prevent unauthorized access to and from a private network. It protects your computer from hackers attempting to crash it or gain sensitive information.

Keep your computer’s operating system up-to-date. Make sure your computer software is up-to-date. You can usually subscribe to automatic updates online. If you keep your system updated, your computer will continue running smoothly and you’re sure to have the latest fixes for any security holes.

Turn on two-factor authentication. Two-factor authentication requires both a password and an additional piece of information to access your account. The second piece of information is typically a message sent to your phone or a code generated by an app or token.

Look out for unsecure networks and websites. If you get a warning message saying “Unsecure Wi-Fi Detected,” don’t visit any banking websites or store any passwords while on that network.Also, most browsers will warn you when you visit an unsecure site. The feature should already be enabled on most computers, but if not, make sure you enable this setting.

Install or update antivirus software. Antivirus software prevents malicious software programs from installing on your computer. Malware programs allow others to see your computer activity. Be wary of any ads on the Internet for these types of software as they are often not real solutions and instead are fraudulent.

Use a password manager. A password manager, like LastPass or Dashlane, lets you have a unique, strong password for every secure website—in other words, not your grandchild’s birth date. You won’t have to remember them all, because the password manager stores and encrypts your passwords for your protection.

Check your credit often. Major changes toyour credit can indicate potential fraud. Consider signing up for a free credit score and checking it every few weeks as a way to watch for changes.

Find Information About Active Scams

What To Do If You’re the Victim of a Scam

The best thing to do if you suspect you’ve been the victim of a scam is to report it. IC3 chief Donna Gregory says, “We want to encourage everyone who suspects they have been victimized by online fraudsters to report it to us.” IC3 receives over 800 complaints a day on average, so don’t let embarrassment keep you from reporting something.1 Reporting a scam helps law enforcement investigate similar scams and take action to bring the scammers to justice.

Steps to Take After Fraud

To report a scam, file a claim online at www.ic3.gov. You’ll be asked to provide complete information about the crime as well as any additional relevant information.
Once you’ve reported the scam to authorities, you also want to take action against any other loss. IC3 recommends that victims take actions, such as contacting banks, credit card companies and/or the credit bureaus to block accounts, freeze accounts, dispute charges or attempt to recover lost funds.
Keep a close watch on your credit reports and consider using credit monitoring tools.

In February 2018, the Justice Department made a coordinated sweep of elder fraud cases that resulted in several initiatives to reduce the number of annual cases. [4] This included building local, state and federal capacity to fight elder abuse, supporting research to improve elder abuse policy and practice, and helping older victims and their families.

Each year the number of Internet crimes increases and scammers become more sophisticated, but spreading knowledge and awareness is one of the best ways to combat the issue. Arming yourself with a basic understanding of the dangers online can help you protect yoursel
f from fraud.

Additional Resources

Sources:

1 Federal Trade Commission Latest Internet Crime Report Released

2 Pew Research Center Tech Adoption Climbs Among Older Adults

3 National Council on Aging Top 10 Financial Scams Targeting Seniors

4 United States Department of Justice Justice Department Coordinates Nationwide Elder Fraud Sweep of More Than 250 Defendants

Source: credit.com

Apache is functioning normally

September 24, 2023 by Brett Tams

Is Kansas City in Kansas, or is it in Missouri? It’s kind of both. Both are individually incorporated cities, but together they make up the greater Kansas City metropolitan area.

Long ago, in the 1830s, KCMO got started as a trade outpost to fit hunters with furs and traps. Now, that’s morphed into manufacturing and it dabbles in tech, transportation and healthcare. For visitors, it’s better known for LEGOLAND, the National World War I Museum, tons of art galleries and museums, the Airline History Museum, too many fountains to count and, of course, Kansas City barbecue.

The concentration of barbecue alone is enough to focus on, as Kansas City has the most barbecue restaurants per capita than anywhere else in the U.S. Characterized by burnt ends with extra flavor, and a thicker-than-most tomato-based sweet barbecue sauce smothered on the smoked meat (not on the side!), Kansas City barbecue has made a name for itself for obvious reasons.

Residents cheer on several pro sports teams, like the Kansas City Chiefs, the Kansas City Royals and the Kansas City Current.

The Kansas City metro area has 2.34 million residents. The median age is 35 years old and the median household earns about $55,000. With a whopping 240 neighborhoods making up the city, there’s plenty of variety and subcultures to add to the spice of life for Kansas City residents. Here are 15 of the up-and-coming best neighborhoods in Kansas City for 2022.

Median 1-BR rent: $1,135
Median 2-BR rent: $1,410
Walk score: 48/100

Constructed in the 1920s, Brookside has that beloved historical feeling. But throw in a couple of community staples, like festivals, parades and fairs, and you’ve got a local color you can’t beat.

Kansas City residents claim Brookside is “quintessential Kansas City.” From ghost tours, toy shops, local makers and retailers, art galleries and museums — not to mention all the great food, pubs and cafes — Brookside has a little bit of everything for everyone and offers a whole lot of fun.

Walk score: 83/100

The Country Club Plaza can often feel otherworldly to the rest of Kansas City, thanks to its Spanish-inspired architecture. It’s a pretty popular area since it’s known as the shopping capital of the city, spanning 15 blocks of retail. From designer to local, there’s a shop for everyone.

If visitors don’t come for the shopping, they probably came for the food because it’s just that good. And if they didn’t come for either, they definitely came for one of the two art museums in the neighborhood. If nothing else, maybe they’re there to count all the fountains, of which there are many. It’s no wonder this is one of the best neighborhoods in Kansas City.

Median 1-BR rent: $1,420
Median 2-BR rent: $1,695
Walk score: 85/100

Like many neighborhoods in metropolitan cities across the U.S., Crossroads was once a warehouse district. When the manufacturers left, the area was vacant until someone had a vision. The area became what it’s known for today, the Crossroads Arts District.

Each month on the first Friday, this neighborhood puts on an art crawl spanning 20 blocks with 70 retailers involved. The neighborhood is also home to the Kauffman Center for the Performing Arts, which stages theatrical performances, music and dance recitals.

The area has plenty of breweries and bars to make a whole evening out of the arts, along with great restaurants, too. Hipsters and young professionals flock to the area for its creative vibes and good times.

Median 1-BR rent: $1,735
Median 2-BR rent: $2,420
Walk score: 69/100

Home to LEGOLAND, the city’s aquarium, the Money Museum and a covered ice rink in the winter, there are tons of things to do in Crown Center for families and singles.

Just south of Downtown, this neighborhood also has the Crown Center Mall where there’s plenty of shopping opportunities and local retailers, too. Obviously, the area has plenty of great dining options to boot.

Median 1-BR rent: $1,135
Median 2-BR rent: $1,410
Walk score: 48/100

As one of America’s leading best downtowns, Downtown Kansas City has a lot to offer to keep itself in the ranks. Home to a year-round, Saturday-and-Sunday City Market, come rain or shine, residents have every excuse to go downtown on the regular.

Downtown also hosts about 130 free events each year and boasts dining options from across the world.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 48/100

East Bottoms was a booming neighborhood closer to its founding back around 1800. It was well known for its J. Rieger & Co. Distillery, producer of over 100 different products, founded in 1887.

The distillery was eventually forced to shut down during the prohibition, but in 2014, the original owner’s great-great-great-grandson got the distillery up and running again. In addition to its specialty spirits you can taste all over the country in craft cocktails, this distillery opened up its own tasting and dining rooms which revitalized the area and urged other pubs and breweries to join the mix, making it one of the best neighborhoods in Kansas City.

This is a great area in Kansas City to meet up with friends to have a great time.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 54/100

Two of KCMO’s most notable, must-see museums are in the 18th & Vine District: The Negro Leagues Baseball Museum and the American Jazz Museum. Throw in some barbecue (there are plenty of options in the area), and you have three of Kansas City’s biggest passions: Baseball, jazz and barbecue.

Since it’s such a storied area, residents and visitors can enjoy live entertainment and music regularly.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 48/100

In recent years, after a stint marked by crime, Manheim Park has gone under a reconstruction period. Merging together old historic constructions with modern designs, there’s a visual flow and continuity in this little neighborhood. This community-member-lead reinvigoration has even been published nationally.

Manheim Park has put in the work to transform itself into an upcoming area with ample easy-living apartments, and the momentum isn’t slowing down anytime soon.

Source: Rent./The Briarcliff City Apartments

Median 1-BR rent: $1,023
Median 2-BR rent: $1,200
Walk score: 28/100

This quiet suburban area of Northland packs a punch thanks to the riverboat casinos, Worlds of Fun amusement park and a shopping district. Along with local retailers are art galleries, festivals and firework shows.

There are also a couple of indoor sporting venues, like rock climbing, or the restaurant-and-play duo that brought pickleball to Kansas City, Chicken N Pickle.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 66/100

Another cove for older, architecturally rich and Victorian homes, Pendleton Heights is definitely worth checking out. Young professionals, families just starting out, artists and creatives tend to flock to this area, and its residents seem to stick around for the long haul.

This rather diverse neighborhood is a tight-knit community where residents tend to look out for one another, and one of the best neighborhoods in Kansas City is also the perfect area to call home.

Median 1-BR rent: $1,504
Median 2-BR rent: $2,187
Walk score: 85/100

Butting up against the Missouri River, River Market has gone by many names in the past, but was the city’s first incorporated district. Its name aptly implies that long ago, the river-side access lent this area to a lot of trade. That still carries into today, though it looks a little different now thanks in part to its bustling open-air farmer’s market.

If you’re into old mobster histories, this district has plenty of that, thanks to its River Quay (just one of the area’s many previous names) era now long ago. A mob war broke out and resulted in burning buildings and businesses, along with a few mob members’ deaths. After the fiasco, the mob left the area, as depicted in “Casino.”

If you lean away from all things true-crime, River Market’s fresh and bustling food, bar and boutique scenes serve as plenty of an attraction, too.

Source: Rent./Gladstone Pointe

Median 1-BR rent: $645
Median 2-BR rent: $750
Walk score: 63/100

About two miles east of downtown, overlooking the Missouri River, Scarritt Point is a well-located neighborhood full of history. With well-manicured streets and sidewalks, overhung with large shady trees, this area was prominent back in the day among affluent families who built large homes.

If old historical residences are what you’re after, this neighborhood is right for you. It’s chock full of local flavors and good dining, too.

Median 1-BR rent: $940
Median 2-BR rent: $1,340
Walk score: 86/100

If you’re looking for a beautiful, well-manicured area loaded with parks, creeks and lush greenery, maybe even a rose garden, then the South Plaza area is the ideal neighborhood for you.

It’s home to the University of Missouri – Kansas City, the Kansas City Repertory Theatre and the National Museum of Toys and Miniatures, so residents have plenty to keep busy. Not to mention the creative and trendy restaurants on-hand in this neighborhood, too. All that goes a long way to help it stay one of the best neighborhoods in Kansas City.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 48/100

The Sunset Hill area is a beautiful neighborhood with great parks and lovely, Colonial- and Tudor-styled homes. This well-maintained area is where young families tend to gravitate, so there are plenty of amenities at hand.

A quick 10-minute drive will bring you right to Country Club Plaza’s offerings, without having to sacrifice the quiet nature of this little suburban haven. With great food and drinks nearby, it’s hard to say no to Sunset Hill!

Source: Rent./The Ridge at Chestnut

Median 1-BR rent: $765
Median 2-BR rent: $870
Walk score: 58/100

Waldo is one of the main entertainment districts in Kansas City. It tactfully balances nightlife with family-friendly events, like the Waldo Fall Festival. Where good drinks are pouring, good plates are easy to find, as is shopping.

Each year, Waldo is home to the Trolley Run, a race following the historic streetcar or trolley tracks throughout the neighborhood. There’s a tight-knit feeling in Waldo, where residents look out for each other and have fun together.

The best neighborhoods in Kansas City — find one that’s right for you

If you found a neighborhood that sounds like your own personal hiatus, check out these apartments for rent in Kansas City!

The rent information included in this article is based on a median calculation of multifamily rental property inventory on Apartment Guide and Rent. as of November 2021 and is for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

September 23, 2023 by Brett Tams

The Federal Trade Commission’s Consumer Sentinel Network report for 2020 notes that 1.4 million people filed complaints about identity theft in 2020. Overall, reports related to fraud and identity theft were up in 2020 compared to 2019. Learning how to prevent identity theft helps you protect yourself against these types of issues. Discover eleven ways to prevent identity theft below.

Criminals collect personally identifying information, such as Social Security numbers, and use it to take out debt or get benefits in your name. You can avoid identity theft by guarding your Social Security number.

Don’t carry your Social Security card with you, and add your SSN to applications and other forms with care. Before you put your SSN on any form, make sure you’re dealing with a reputable organization. Ask to see their privacy policy and ensure they’ll work to safeguard your information. You should also avoid sending your SSN via text, chat messages or emails.

2. Shred Sensitive Paper Documents

Your bank and credit card statements, mortgage bills, medical records or other documents could hold a lot of sensitive information. In the wrong hands, that data could be the ingredients for a fraud or identity theft scheme.

Keep your personal information out of the wrong hands by shredding these types of documents instead of tossing them into the garbage. You can purchase a shredder for your home office. Some towns also have shredding days where you can bring your papers to a central location to be shredded. Check local news sites or town government sites to find out if that’s an option in your area.

3. Review Your Mail Daily

Fraudsters might go as far as to steal mail right from your mailbox. One of the easiest ways to prevent identity theft is to take your mail in daily and as close to the delivery time as possible.

And don’t let it stack up without opening it—review mail daily to ensure you’re not receiving anything that might raise suspicions. For example, if you get a credit card in the mail you didn’t apply for or a medical bill for services you didn’t receive, you should check into the matter. Those might be signs of identity theft.

4. Don’t Log Into Sensitive Accounts Via Public Wi-Fi

When you’re on public Wi-Fi systems, your connection is not 100% secure. Other people on the network might be able to see what you’re doing. Don’t log into sensitive accounts, such as banking or benefits portals, when you’re on public Wi-Fi if you can avoid it.

5. Use Strong Password Management

Safeguard your online accounts with strong password management. Follow these tips to make it less likely hackers can get into your accounts to steal your information or funds:

Don’t use the same password across multiple sites.
Never use a password that’s easy to guess. This includes passwords with information such as your birthday, first or last name, address or names of your pets or relatives.
Use random combinations of numbers, letters and symbols.
Create longer passwords—12 or more characters are a good length to aim for. Microsoft advises a minimum length of eight characters.
Don’t share or write down your passwords.
Change your passwords periodically. You might want to set a schedule and change them every 90 days.

6. Set Up Two-Factor Authentication

Use two-factor authentication any time it’s offered by a website or app. This creates a second layer of security so someone can’t log in as you with just your password. Here are a few ways two-factor authentication might work:

You log in with a password and a biometric, such as a face or fingerprint scan.
You log in with a password and then respond to a link sent to your email or phone.
You log in with a password and then enter a code sent to your phone via text message.

Hopefully, you know not to post information such as your SSN or credit card number on social media. But did you know you might be sharing critical data with hackers by playing so-called social media games?

People post questions on social media asking about the names of pets or when your birthday is. They also post games where you use information such as your middle initial, month of birth and day of birth to create a “fantasy fairy name” or another nonsensical response based on a chart.

Each time you respond to such queries, you expose some of your personal information. It’s a good idea to avoid that type of content on social media. You may also want to check privacy settings on sites such as Facebook and Instagram to ensure only people you know can see your posts.

8. Be Skeptical of Callers Who Want Money or Information

Common scams involve someone pretending to be from a charitable, government or debt organization on the phone. These fraudsters try to get you to share personal or account information with them so they can use it to steal your money or identity.

The best way to combat this issue is to avoid sharing personal information on the phone if someone called you. Instead, let them know you’re concerned about the security of your information and you’ll call back on the published customer service line. Then look at your statements or go to an official website to find a call-back number.

9. File Your Income Tax Return as Early as Possible

Another common scam is to file fraudulent income tax returns and steal someone’s refund. Protect yourself from this potential crime by filing your income tax return as soon as you can. Since only one person can file, if you beat the criminals to the punch, they can’t pretend to be you and collect your refund.

10. Monitor Your Credit Reports

One of the first signs that you’re a victim of identity theft might be unusual activity on your credit report. That could range from a hard inquiry you didn’t approve—indicating someone else is trying to get credit in your name—to a collections account for the debt you don’t recognize.

Monitoring your credit ensures you’re aware of these signs as soon as possible. The sooner you become aware, the faster you can take action to protect yourself against further identity theft.

11. Place a Freeze on Your Credit Reports

You can also freeze your credit reports. This means no one can pull them to evaluate you for credit. That limits identity thieves who want to piggyback on your good credit to take out debt in your name.

However, remember that the freeze applies to you too. If you plan to apply for credit, you’ll have to unfreeze your reports temporarily so the lender can check your credit.

Looking for identity protection? ExtraCredit can help. It includes Guard It, an identity protection tool with $1 million identity theft protection insurance, proactive fraud alert and more. Plus, ExtraCredit includes tools that gives you access to your credit score and credit reports. Because you can never be too careful.

Source: credit.com

Apache is functioning normally

September 22, 2023 by Brett Tams

Do you think it’s possible someone stole your tax refund check? You wouldn’t be alone. In 2020, just under 1.4 million people reported cases of identity theft, and around 400,000 of those involved the theft of government benefits or documents—including tax refunds. The issue was concerning enough that the IRS started what it calls Identity Theft Central to provide information about identity theft.

Find out how identity theft happens below. Then learn what action you should take if you believe your tax refund was stolen.

How Does Identity Theft Happen?

Identity theft occurs when someone gathers enough information about you that they can impersonate you to a sufficient degree to commit fraud. For example, if someone gets enough of your sensitive personal information, they can apply for credit cards in your name. They receive the cards after approval, run up balances and never pay them because the account is all in your name.

Another version of identity theft occurs when someone has enough information to file a fake tax return in your name. They get a refund in your name, and when you go to file your legitimate tax return, you find you can’t get a refund. Someone stole it out from under you.

Some methods people use to get the information required to commit identity theft include:

I just watched a documentary on the dark web, and I will never feel safe using my credit card again!
Luckily I don’t have to worry about that. I have ExtraCredit, so I get $1,000,000 ID protection and dark web scans.
I need that peace of mind in my life. What else do you get with ExtraCredit?
It’s basically everything my credit needs. I get 28 FICO® scores, rent and utility reporting, cash rewards and even a discount to one of the leaders in credit repair.
It’s settled; I’m getting ExtraCredit tonight. Totally unrelated, but any suggestions for my new fear of sharks? I watched that documentary too.
…we live in Oklahoma.

Imposter scams. The scammers email, call or otherwise contact you while pretending to be someone else, such as the IRS. They use that contact to try to get personal information out of you.
Social media scams. Scammers comb social media, looking for personal information people might have shared. They also use direct messages to try to get information from you.
Dark web databases. If your information is included in a data breach, it may be shared or sold to scammers online.
Checking your trash. In some cases, scammers simply go through unshredded documents in the garbage to get the information they need.

When someone uses information in this way to file a fake tax return, it’s a crime called Stolen Identity Refund Fraud. There are serious penalties for this crime. It’s always best to safeguard your private information as much as possible to reduce your risk of becoming a victim.

How to Know if Your Tax Refund Was Stolen

The IRS provides a tool called Where’s My Refund? that lets you track the status of your refund. If you’re worried someone has filed a fake return in your name or tried to steal your refund check, use that tool to see what’s going on with your refund. You can also ask the IRS to do a refund trace to find out more about where the tax refund check or deposit went.

The IRS will also notify you when more than one return is filed in your name for a particular year. If you file a tax return and receive this notice, there’s a good chance some fraud has occurred.

Important Steps to Take after Tax Refund Fraud

If you’ve received a notice from the IRS stating that more than one return has been filed in your name, or if you believe your identity has been used fraudulently, you should act quickly. Follow the steps below.

1. Report the Fraud

If your Social Security number was compromised and you think you may be the victim of tax-related identity theft, file a report with your local police and file a complaint with the Federal Trade Commission at www.identitytheft.gov or by calling the FTC Identity Theft Hotline at 1-877-438-4338.

2. File a Report With the IRS

Once you’ve filed a police report, file an IRS Form 14039 Identity Theft Affidavit. Print the form and mail or fax it according to the instructions.

3. Pay Your Taxes

Be sure to continue to pay your taxes and file your tax return on time, even if you must do so by mailing in paper forms.

4. Check Your Credit Reports and Scores

Just because you were first alerted to the problem through a false tax return doesn’t mean that’s where the ID theft started. A sudden drop in credit scores can be a sign your identity has been stolen. You should also monitor your credit reports for activity that isn’t yours.

You can get a free copy of your credit report from each of the major credit bureaus at AnnualCreditReport.com. You can also check 28 of your FICO scores and get regularly updated information about your credit reports and scores when you sign up for ExtraCredit.

5. Add Fraud Alerts to Your Credit Reports

Contact each credit bureau and add a fraud alert to your credit report. You can do this online or via phone. A fraud alert makes it harder for someone to apply for credit in your name.

6. Close Any Fraudulent Accounts

Reach out to creditors to close any accounts opened in your name fraudulently. You should also report them as fraudulent to the banks and lenders.

7. Change All Your Passwords

Thieves know people use the same password for multiple websites and accounts. Change all your passwords immediately if you believe you’re the victim of identity theft or fraud. It’s also a good idea to change your passwords regularly, even if you aren’t a victim of identity theft.

8. Follow Up on Your Case

If you informed the IRS about taxpayer ID theft and didn’t receive a resolution, contact the Identity Protection Specialized Unit at 1-800-908-4490 about your case. If you’re experiencing financial difficulties because of the delay, you can reach out to the taxpayer advocate service, an independent organization within the IRS, at 877-777-4778.

9. Stay Calm & Be Patient

A typical case of ID theft can take an average of 120 days to resolve, according to the IRS. Remember that the average might not reflect your case, and it could take a year or more to resolve it.

Just remember, the IRS will eventually pay you your refund, but if you’re experiencing financial difficulties because of the delay, you can contact the taxpayer advocate service, an independent organization within the IRS, at 877-777-4778.

File Your Tax Return as Early as Possible

One of the best defenses against this type of identity theft is an early offense. Get your tax return in early to beat potential fraudsters to the punch.

Source: credit.com

Apache is functioning normally

September 18, 2023 by Brett Tams

Gracie Speer | Cartoonist

By Emma Weidmann | Arts and Life Editor

Living in a residence hall or apartment can make it hard to decorate. There’s minimal space, and you probably bought everything from Target — which makes it easy to coordinate colors but difficult to create a space that doesn’t look like “dorm central” threw up all over it.

Here are some of the best and worst design choices we make in college. If you find yourself guilty of some of these, it’s OK. We all make mistakes sometimes.

First, we have maybe the worst offender of all: navy blue sheets. Navy blue sheets aren’t so bad on their own, but it’s really the Megan Fox poster covering up the hole a gym bro punched in the wall that makes it a crime against interior design. Here’s an easy fix: Find a different color of sheets. Better yet, go ahead and buy a second set of sheets altogether. Navy blue and white stripes are a good middle ground — still simple, but just a step above.

Speaking of simple yet a step above, a nice area rug elevates your space faster than your grades dropped as a freshman. Make sure you choose the right size rug for your room so that it doesn’t disappear under the lofted bed you’ve fallen out of a few times, but also doesn’t take up the entire floor.

Next, we have two that go together like ramen and your $2 plastic bowl: LED strip lights and fake vines. If you have these, I want to quickly remind you to check your email to see if your SHEIN order has shipped yet. If not, that’s OK. It just gives you more time to film another thirst trap for your TikTok while you wait.

Chances are, if you have fake vines hanging behind your bed collecting dust and critters, you might have a tapestry on your wall as well. I’m not judging — I think tapestries make a great backdrop for reading your horoscope and going online shopping for another evil eye necklace. But here is what is written in the stars for you, Leo: It’s time for better wall art.

Not to worry. You can up your wall art game at very little cost. Start by framing the posters that are already on your wall to add a put-together touch to the room. Stock up on Command strips and make sure you secure those posters to the wall really well, unless you want to find yourself being smacked in the face by a flying picture of Harry Styles at 2 a.m.

At the end of the day, decorating your space is all about making your dorm room or apartment your home away from home. Buy what you want, hang what you want, but whatever you do, remember to sweep your floors every once in a while.

Source: baylorlariat.com

Apache is functioning normally

September 18, 2023 by Brett Tams

Though the fictional Stars Hollow didn’t make the list, you’ll see the charming towns that might have inspired it.

Connecticut, with its diverse range of communities, offers a plethora of attractive options that suit various lifestyle needs.

When it comes to locking down the ideal location for you and yours, the choice can be dizzying. From coastal towns that exude maritime charm to bustling cities rich in cultural and recreational activities, Connecticut has something for everyone. This article takes a closer look at some of the best places to live in Connecticut, focusing on factors like quality of life, education, economic stability and more.

Population: 136,309
Average age: 37.9
Median household income: $99,791
Average commute time: 31.0 minutes
Walk score: 55
Studio average rent: $2,019
One-bedroom average rent: $2,618
Two-bedroom average rent: $3,498

Stamford has it all. From high-energy downtown life to the serenity of beachfront communities, Stamford’s strategic location near New York City makes it a popular spot for those who work in the Big Apple but want a more relaxed environment to call home.

Stamford’s economy is booming, thanks in part to a thriving financial sector and the presence of several Fortune 500 companies. On the leisure side, the city doesn’t disappoint. Between the Stamford Town Center mall, the Avon Theatre and the Stamford Museum & Nature Center, there’s never a dull moment.

Living in Stamford offers not just the perk of urban convenience but also opportunities for seaside relaxation. With beaches like Cove Island Park offering saltwater swimming and picnic spots, residents get to experience the best of both worlds. The public schools in Stamford are highly rated, making it an excellent choice for families. There’s also an assortment of housing options to fit different lifestyles—from modern apartments to colonial-style homes. The city’s efficient public transportation and close proximity to major highways make getting around a breeze.

Population: 120,5776
Average age: 32.9
Median household income: $37,477
Average commute time: 22.3 minutes
Walk score: 67
Studio average rent: $1,432
One-bedroom average rent: $1,613
Two-bedroom average rent: $1,705

Hartford somehow manages to offer an urban buzz in a friendly, neighborhood-like atmosphere. As one of the best places to live in Connecticut, Hartford is a hub for healthcare, education and insurance, hosting some of the largest companies in the industry. From historic sites like the Mark Twain House to the modern wonders of the Connecticut Science Center, the city offers a range of activities for all age groups. Foodies will find a growing culinary scene that rivals larger cities, while sports enthusiasts can catch a Hartford Yard Goats game at Dunkin’ Park.

Although the city possesses a bustling downtown, the many parks and green spaces provide ample room for relaxation and outdoor activities in peace. Bushnell Park, for instance, serves as the city’s green lung, with a carousel and plenty of space for picnics or jogs. For those looking to raise a family, Hartford offers a variety of public and private school options, and the nearby suburbs provide even more choices for residential living. With its proximity to other major cities like Boston and New York, Hartford makes for a convenient home base without the overwhelming bustle, cementing its status as one of Connecticut’s most desirable places to settle down.

Population: 62,396
Average age: 43.4
Median household income: $115,885
Average commute time: 30.4 minutes
One-bedroom average rent: $3,720
Two-bedroom average rent: $5,452

Greenwich is not just a name you’ll hear on Wall Street; it’s also one of the best places to live in Connecticut. Often celebrated for its high-end shopping districts and upscale neighborhoods, Greenwich offers an extraordinary quality of life just a stone’s throw away from New York City.

The city is a magnet for successful professionals and families, featuring top-tier public schools and a range of impressive real estate options, from sprawling estates to contemporary condos. For those who appreciate the finer things, the Greenwich Avenue shopping district is a stroll down luxury lane, boasting designer boutiques, art galleries and some of Connecticut’s best dining spots.

The allure of Greenwich isn’t just limited to its commercial and residential glamor. The city is equally rich in natural beauty and recreational activities. Topping the list are the pristine beaches along Long Island Sound, which provide the ideal backdrop for sailing, swimming or simply soaking up the sun. For those who love the outdoors, the city is home to a ton of parks and nature reserves, making it a splendid locale for hiking and bird-watching. Excellent public services, a low crime rate and community-centric events like the annual Greenwich International Film Festival, round out the city’s many merits.

Population: 135,081
Average age: 30.7
Median household income: $42,222
Average commute time: 22.9 minutes
Walk score: 68
Studio average rent: $1,745
One-bedroom average rent: $2,322
Two-bedroom average rent: $2,895

New Haven is frequently highlighted as one of the best places to live in Connecticut. Known worldwide as the home of Yale University, the city offers a rich intellectual climate without skimping on culture and recreational options. Whether you’re drawn by the scholarly atmosphere, the groundbreaking medical facilities or the economic opportunities in technology and healthcare, New Haven has something for everyone. Add in iconic spots like the historic Shubert Theatre and the culinary treasure trove that is Wooster Square, famous for its pizza, and you’ll see why many consider it a gem in the Constitution State.

Life in New Haven isn’t only about hitting the books or attending lectures. Residents here find plenty of room for leisure and outdoor fun. East Rock Park offers panoramic views of the city and is a popular spot for hiking, while Lighthouse Point Park is preferred for beach outings and scenic picnics.

Population: 62,105
Average age: 41.0
Median household income: $149,641
Average commute time: 32.9 minutes
One-bedroom average rent: $2,200
Two-bedroom average rent: $2,065

When discussing the best places to live in Connecticut, Fairfield frequently makes the cut — and with good reason. Thanks to a strategic location along the Long Island Sound, this charming town seamlessly blends coastal living with suburban tranquility.

Fairfield University and Sacred Heart University lend the town an intellectual flair, adding an assortment of unique events and academic resources to the mix. Economically, Fairfield holds its own with a diverse job market in industries like healthcare, education and retail. As for leisure, from the historic Burr Mansion to the Fairfield Theater Company, there’s no shortage of arts and culture to indulge in.

Fairfield doesn’t skimp on the natural beauty either, boasting several pristine beaches and peaceful parks. Jennings Beach and Lake Mohegan are popular spots for swimming, picnicking and hiking, perfect for individuals and families alike. Speaking of families, the town’s public schools are highly rated, offering strong academic programs that make Fairfield an attractive place for parents seeking quality education for their children.

Population: 34,427
Average age: 44.0
Median household income: $140,420
Average commute time: 22.5 minutes
One-bedroom average rent: $1,450
Two-bedroom average rent: $2,575

Glastonbury is a picturesque town that is often cited among the best places to live in Connecticut. Located along the banks of the Connecticut River, Glastonbury is a hotspot for those who enjoy outdoor activities with a side of upscale suburban life. With a strong job market primarily in healthcare, education and insurance, the town provides a stable economic environment for professionals. When it comes to recreation, whether you’re a fan of farmers markets, antique shops or hiking trails, like those found in Case Mountain, Glastonbury doesn’t disappoint.

Beyond its recreational appeal, Glastonbury makes a lasting impression with its commitment to education. The public schools are among the best in the state, featuring comprehensive curriculums and a wide range of extracurricular activities. A tight-knit community spirit is palpable here, supported by various local events and a bustling town center where residents gather to shop, dine or simply catch up.

Population: 18,114
Average age: 50.8
Median household income: $60,139
Average commute time: 34.9 minutes
One-bedroom average rent: $1,800
Two-bedroom average rent: $2,650

Madison is a picturesque town that offers its residents the dual joys of beach life and a robust culture. From enjoying water sports like kayaking and paddleboarding to exploring the town’s many boutique shops and cafes, Madison has a little something for everyone. And don’t overlook the cultural richness here: Places like the Scranton Library and the Madison Art Cinemas add layers of activity and entertainment to community life.

Madison also brings practical advantages to the table. Education is a strong suit, with public schools that rank among the top in the state, offering a variety of advanced placement courses and extracurricular activities. From the historic district to the more modern parts of town, the housing market is diverse, providing plentiful options for different lifestyle needs.

Population: 7,228
Average age: 45.8
Median household income: $129,919
Average commute time: 36 minutes
One-bedroom average rent: $1,850
Two-bedroom average rent: $1,951

If you’re on the hunt for a place that combines New England charm with an air of sophistication, Ridgefield should undoubtedly be on your list of the best places to live in Connecticut. Located near the New York state line, Ridgefield has long been a favored destination for those who desire a serene living environment without sacrificing easy access to the hustle and bustle of the city. It’s the kind of place where historic homes, top-notch schools and swanky boutiques coexist harmoniously. The Ridgefield Playhouse and the Aldrich Contemporary Art Museum inject a dose of culture into the community.

When it comes to recreation, Ridgefield does not disappoint. Open spaces like Bennett’s Pond State Park and the Ridgefield Rail Trail offer plenty of opportunities for hiking, biking and nature observation. Families, in particular, find Ridgefield a prime location for settling down, thanks to an excellent public school system and myriad of youth-oriented activities.

Population: 86,759
Average age: 38.9
Median household income: $74,600
Average commute time: 28.6 minutes
Walk score: 37
Studio average rent: $1,575
One-bedroom average rent: $2,202
Two-bedroom average rent: $2,925

Positioned along the New York-Connecticut border, Danbury stands as a diverse and bustling city, frequently highlighted as one of the best places to live in Connecticut. Known as ‘Hat City’ for its once flourishing hat industry, Danbury is now a hub of commercial activity thanks to Danbury Fair Mall, a variety of restaurants and a lively downtown area.

The city’s employment landscape is as diverse as its population, with opportunities spanning from healthcare to retail to manufacturing and more. Highlights like the Danbury Music Centre and the Danbury Railway Museum add a unique touch to city life, appealing to residents of all ages.

Beyond its commercial and cultural assets, Danbury provides residents with a ton of opportunities to get their hearts pumping. Candlewood Lake, the largest lake in Connecticut, provides a fantastic backdrop for boating, fishing and kicking back under the sun. The city is also home to several parks and trails, perfect for all outdoorsy types. Education is well-covered, too, with public and private schools offering challenging curriculums and well-supported extracurricular programs. Whether you’re interested in renting a modern apartment downtown or purchasing a traditional home in one of its quieter neighborhoods, there’s a place in Danbury for you.

Population: 50,541
Average age: 44.3
Median household income: $97,951
Average commute time: 25.5 minutes
Walk score: 34
Studio average rent: $1,945
One-bedroom average rent: $2,262
Two-bedroom average rent: $3,045

Boasting 17 miles of coastline along Long Island Sound, Milford brings together the best of seaside living and suburban comfort, easily making it one of the best places to live in Connecticut. This small city with a big heart offers a ton of activities that keep residents engaged year-round. Whether you’re a beach enthusiast, a shopping addict or someone who loves exploring historical sites like the Eells-Stow House, Milford has you covered. The city’s downtown area is a blend of old-school charm and modernity, filled with boutique stores, art galleries and eateries that offer a delightful mix of local and international cuisine.

When it comes to education, Milford doesn’t fall short. The city has excellent public and private schools that make it an attractive destination for families. Moreover, Milford’s well-planned residential areas offer an array of housing options, from cozy beachfront cottages to more expansive homes further inland.

On the employment front, Milford boasts a balanced job market with opportunities in healthcare, education and retail, just to name a few. A sense of community is palpable here, nurtured through yearly events like the Oyster Festival and a strong network of local organizations.

Your Connecticut community is waiting

After exploring a variety of towns and cities, it’s clear that the list of the best places to live in Connecticut is expansive and diverse. Whether you’re seeking the cosmopolitan allure of a bustling city, the tranquil ambiance of a coastal town or the balanced offerings of a suburban community, Connecticut provides a compelling list of options.

Each town featured above offers its unique blend of attributes, from excellent schools and flourishing job markets to open spaces that keep you engaged. Choosing where to live is a personal decision, but one thing is certain: in Connecticut, you’re spoiled for choice.

Ready to find the perfect Connecticut apartment for you? Start your search at Rent.

Source: rent.com

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Though the fictional Stars Hollow didn’t make the list, you’ll see the charming towns that might have inspired it.

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