In A Small Town

2010 January 28
Posted by parisromero

Last year my husband and I moved - “from the coast” of Oceanside, California to “inland a bit” of Fallbrook, California.  There’s only about a 20 minute drive from one town to the other, but in terms of “big towns”, Fallbrook is puny.

We moved for a few reasons, one of which was to be able to enjoy a slower pace of life, have grass, be able to see the stars at night - you know - somewhere between Little House on the Prairie and Green Acres.  I’ve lived in small towns before (I’m a military brat - I’ve lived everywhere, per se)…so this wasn’t going to be a big adjustment for me.

Today was one of those days where I’m grateful that we made that move.  We just had a week’s worth of rain and the new green is up and florishing.  The weather was perfect - the perfect blend of humidity, barometric pressure, ever so slight breeze, blue skies and warm sunshine.  Today is Thursday.  Thursdays I attend “Weaving Guild”, at a working museum.  The museum is within an incredible amount of acres which hosts “The Antique Steam Engine Museum” in Vista, California.  The location is beautiful - but today it was stunning.

Any Ol' Barn

Thursdays, on my way home from “Weaving Guild”, I run errands.  Today I stopped at the grocery store to grab something for my hubby.  On the way out the door, the manager’s face caught my attention.  He looked like a manager that I used to have, back in Mortgage World, a manager I admire and still visit from time to time.  He caught me looking at him and asked if he could help me.  I told him that he reminds me of one of my dear ex-managers, and if he were “Jeff”, right now I’d be telling him it’s time for him to go home.  That opened up conversation.

Tim, the Grocery Manager, told me that things are tough and they are going to be tougher.  He didn’t begin the conversation that way - it came about.  I asked him to elaborate.  He explained to me that between Valentines and Tax Day (April 15th!) people tighten up and spend less, but that in a “protected community” such as Fallbrook, it’s tougher.  “Everyone that lives in town works out of town.”  He told me that people aren’t buying things like they used to (he’s been at this store for the last three years) “…they are only buying the essentials.”  He told me about the foreclosed homes in his neighborhood, that investment companies are buying them up and making it really tough for a first time home buyer to break into the market.  “Why would a bank want to hassle with qualifying me when they can just use any of their approved investment companies?”

I thanked Tim for his time (and great store) to continue my journey home.

I had just turned right onto “church lane” (I think there are 7 churches within 3 blocks) and was struck by the beauty of the sunset against the mountains in the west - with an “almost” full-moon in the sky.  Moon out bright while the sun is still out - awesome…

….when a boy in a car in the opposite lane caught my attention.  He was just a gaggly teenager, waving “HI!” through the sun roof of the crowded small car of teenagers.  He was so goofy looking, I had to smile.  Smile at him feeling comfortable enough to look goofy for a laugh.  Smile at the beauty of the place that provides me beauty on my way home.

I turned left onto “Live Oak Park Road”.  Just as I’m making the turn, I see a photographer with a tripod.  He’s leaning over the camera.  He was prepared for the “almost” full moon against the purple sunset of the mountains.  The light of the sky had just turned, where the glow of the “perfect sun” fades to dusk.  I hope he got that shot.

We live in a small town.  It’s tough out there - tough for everyone.  My head is full of concern for everyone going through this economic contraction.  My heart, my soul - is content.  I’m happy we made this move.  I’m happy, in this tough time, in this small town.  Today was a beautiful day full of gratitude everywhere I looked, everywhere I turned.

Music:  In The City - Eagles

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Actor sentenced for attempting to sell Social Security Numbers

2010 January 17

An actor who pleaded guilty for attempt to sell Social Security numbers and fake identifications, has been sentenced.

News reports state that Antwon Tanner, a former “One Tree Hill” star, was attempting to sell 16 Social Security Numbers and three fake Social Security Cards.

While your initial reaction may be why does a TV Star need to sell Social Security Numbers, I’m more impressed with the figure he was going to get for it.

Social Security Numbers are very easy to obtain, so easy in fact that the going price for them is $5.00 a piece.  16 SSNs for $10K =$625/SSN.  I would personally dismiss the fake cards, as it would be easy enough to create a fake card that would pass through any underpaid Motor Vehicle Department employee.

According to a report on NYDailyNews.com:

Some of the Social Security numbers were unassigned while others were traced to dead people and to persons who did not know their identification numbers had been stolen by Tanner, the source said.

At the same time Tanner was pocketing thousands of illicit dollars, the diminutive actor’s career was taking off.

In the early 1990’s, Social Security Numbers sold on the black market for about $1000.00 a piece. The advent of the desktop computer and the internet brought that price down.

All that is needed to obtain anyone’s social security number is the person’s name and the city they live in. The credit reporting software will provide the social security number.

How do you protect your identity from being stolen?

You can’t, but you can reduce the opportunity for the ID Thieves.
  • Do not provide potential employers your social security number. The employer is under no authority to obtain your SSN until they have hired you.  Some employers screen potential applicants by pulling their credit report at the time of application.  Personally, I withdraw my application at that time.  Recently, I was in the hiring office of a local Target store.  Privacy papers were in a trash can, next to the office door.  Anyone could have pulled papers out of the can while walking past the office - it’s that easy.
  • Shred all documents that have your name and address on them.
  • Obtain a P.O. Box. For $44 a year (you can rent the box for 6 months at a time) your residential address will be better protected.   http://www.usps.com/receive/businesssolutions
  • Create an on-line identity for all of your business uses. Your bank, credit cards, cellphone carrier, television provider, utility company and so on.  Some companies provide such easy access to your information … by having your basic information, I can go online and get more of your private information.  As little as 30 minutes of on-line time can net me your bank account number, social security number and so on.
  • Put notices on your banking activity. Banking and credit card companies will send you text messages or email messages alerting you of various transactions to your account.  If someone has begun shopping with your stolen id, you’ll have a chance to stop it before they empty your bank account or max out your credit card.
  • Pull your credit report as often as you wish. Each bureau will allow you one free credit report per year.  With the three major bureaus, you can obtain 1 free credit report every 4 months.  If you want your credit report more often than that, apply for credit where you believe you will be turned down.  The company that pulled your credit is required to provide you a “decline” letter, with the pertinent information you need to obtain a copy of the credit report they viewed, for free.
Another slant on this:
What does someone need to establish a “new” identity? Obtain SSN, obtain Driver’s License - now you can go buy cars, homes, open bank accounts, get a passport.  Just two little items.  Just one “trash can dive”.

Why should you care about your identity?

Even if you have poor credit, you should still protect your identity.  Crimes committed using your identity will be a nightmare for you to correct.  I’ve seen it a few times.  It takes years to repair the damage done - a decade later it can still “pop up” on your credit report…in most inconvenient ways.
Heck, these days it’s even an argument that it is your civic duty to protect your identity.

Your credit is your responsibility.  Use it and protect it wisely.

Today’s video provided by the USMC Silent Drill Team: http://www.youtube.com/watch?v=aPJi9DKyQok

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