I’ve got 3 kids of my own. Two of them just experienced that dreaded first day of a new school year and one has just recently made an appearance in this world. If you’ve got kids of your own, then you understand the meaning behind my statement that they mean the world to me. I would do anything for them. Yet many of us, as parents, don’t even give a second thought to the idea that identity thieves might actually go after our children instead of us. After all, we’re the adults. We have the established credit histories, right? There’s more to gain from stealing from us… right?
Unfortunately that is wrong. Did you know that identity theft rates have doubled for children who are aged 5 or younger just in the past year? That is a very disturbing trend. Why are identity thieves going after the youngest among us?
Because they have a clean slate. They are not marred by bad financial decisions, a bad economy, past judgements, or any other negative information. Though there is no information because the average kindergartner is not going to apply for credit, that is better to the identity thief then running the risk of getting an adult’s identity that has a credit score below 600 and very little profitability from it.
Identity thieves also know that there is a very low risk of being discovered when the theft of a child’s identity occurs because let’s face it - how many times do we as parents actually check our kid’s Social Security numbers for activity? We’re too consumed with all the other activities in life that having young children brings, such as potty training, determining how to convince your picky eater that dinner is actually good for them, teaching letters and numbers, or going out to the park to experience the simple joy of a slide. We don’t think about the fact that someone might want our child’s identity to profit from it, and so some child identity theft events remain undiscovered until our children turn into adults and apply for student loans or their first car loan.
The problem is the system. When an identity thief gets a child’s Social Security number, they know that there will likely not be an activity on that number until they turn 18. All they must do then is establish their own credit history on the stolen account. They can do this because when a potential lender runs the SSN, they’ll find it to be valid. All a thief must do is provide their own information on that number with the proper identification and that’s really all it takes for the information to be added to the credit file on that SSN and a new credit line to be issued.
Then what do the identity thieves do? They build up debt and then disappear, leaving you and your child to deal with the problem. For one child, that meant $1.5 million in debts run up in 10 years because an identity thief used her SSN from the time she was 9 and she only found out about it at the age of 19 when she went to apply for what she thought would be her first line of credit. For another child, six different identity thieves were using her identity to their benefit.
Identity thieves use a child’s identity to get a job, to stay out of trouble from an arrest, or to even just open up new bank accounts. The costs can be high for both you and your child because a poor credit report could mean not getting a job, not getting a student loan, or even not getting into college. With stakes that high, we as parents really can’t afford to just sit back and do nothing… but just checking their credit reports doesn’t really do any good. That’s because the action is on the SSN.
That’s why I love AllClearID’s ChildScan Report. Not only is this a free report that you can get on all your children when you sign up for a basic plan [by the way, the basic plan is free for adults as well - there is zero charge], but it will give you a look at your child’s SSN to make sure that there isn’t any illegal activity going on with it.
Don’t think it will happen to your child? IdentityGuard reports that over 10% of people who check their child’s identity through the ChildScan report find suspicious activity occurring. Over 10%! That means 1 out of every 10 families that read this post have a child that has likely had an identity stolen.
It’s free to sign up. Learn more here 5 Best Credit Monitoring Services 2017 Update
It takes three minutes to plug in the information. It’s time to make sure our kids are safe, so together let’s make sure our children don’t have to deal with an identity thief.
6 Of The Greatest Cars To Grace The Fast And Furious Franchise
With Fast and Furious 6, Vin Diesel and friends are set to deliver yet another exhilarating viewing experience for movie goers. Although the focus of the franchise has shifted from racing to action, there is no dearth of exotic cars in the franchises' 6-movie history. Here we count down 6 of the greatest cars to grace the Fast and the Furious franchise.1970 Dodge Charger (The Fast and the Furious)
By the time the first drag race was over, most people knew that The Fast and the Furious was going to be a pretty good movie. However, after the last drag race, people were in love with the film. The moment that ensured that the movie would stick around in people's minds for a long time is when Vin Diesel's Dodge Charger pulls a wheelie off the starting line; hard to find a more fitting testimonial to the power of HEMI.1999 Nissan Skyline GT-R (2 Fast 2 Furious)
The Skyline may not have the most screen time in the movie, but it is most certainly the best car in the film. The Camaro, Charger R/T, Eclipse Spyder and Lancer EVO are all great cars, but they pale in comparison to just how good a Skyline GT-R is. The other racers in their Supras, MX-7s and pink S2000s didn't stand a chance.2002 Nissan Fairlady Z (The Fast and the Furious: Tokyo Drift)
The '67 Mustang is a great car, but the thought of it out-drifting a Japanese-tuned monster is just preposterous. If you are looking for the best car in Tokyo Drift, look no further than the black Nissan Fairlady Z. It is usually the good guys who get the best cars, but this movie makes an exception. The film's antagonist has no problem feathering the throttle and drifting this black beauty around the bends.1970 Chevrolet Chevelle SS (Fast & Furious)
Vin Diesel's character, Dominic Toretto, is easily identified as the muscle car enthusiast in the movie. Over the years, Dom has driven some of the finest muscle cars on offer, but few compare to the legendary Chevelle SS in the fourth movie of the franchise. The Chevelle SS has always been considered to be one the most underrated cars of all time, but the movie manages to do the car justice. The '72 Grand Torino just misses out as the Chevelle steals the spotlight.Armet GURKHA (Fast 5)
Strictly speaking, the GURKHA is not your average sports car. However, it is a beast of a machine and a fitting addition to the franchise. When you have a powerful personality like Dwayne 'The Rock' Johnson moving around in the barrios of Rio de Janeiro, no muscle or tuner car is good enough. However, the Armet GURKHA, used as a military vehicle in many countries, is just the ride the doctor ordered.1974 Ford Escort RS 2000 MkI (Fast & Furious 6)
When it comes to classic cars, the franchise has exclusively focused on American muscle cars. However, that is to change with Fast & Furious 6. Brian O'Connor (Paul Walker) drives around in one of the first hot-hatches ever made, the legendary Ford Escort RS 2000. The inclusion of this British classic is further proof that no matter how big the stunts and explosions get, cars will always be the central premise of the franchise.
With two more movies already in the pipeline, it'll be interesting to see what other legendary vehicles audiences will get to watch on the silver screen.:
An ace racer, Todd Jacobson, is a blogging enthusiast. Apart from blogging in his spare time, he works as an instructor for amateurs in a race car driving school.
This post is sponsored by our friends at GreenCash4Cars. Sell your used car for top dollar. No hassles, professional and friendly.read more
The Right Way to Clean Laminate Flooring
A laminate wood floor cleaner by itself won’t make your laminate floors shine. Laminate floors are finished with a hard, clear coating, and when it begins to wear off, your laminate will begin to lose its shine. If you want to restore the shine to your laminate floors, you’ll need to use a good quality laminate floor restorer. Replacing the hard, clear coating is what will make laminate floors shine like new again.
You have more options when cleaning laminate wood floors then you do with hardwood floors. Don’t waste your money on laminate wood floor cleaners. Especially, when you can make your own laminate floor cleaner with the spare change in your pocket. Vinegar is safe to use on laminate, although you should not use vinegar on hardwood or bamboo. To make your own homemade laminate wood floor cleaner all you need is white vinegar and water.
Protecting Laminate Wood Floors
Scratches are one of the worst enemies to laminate floors. Remember, unlike real wood, laminate is only an image of real wood, so you won’t be able to remove the scratches. If you have scratches on your laminate floor, you have two choices. Install a new floor, or hide them. A good quality floor restorer will make the scratches a lot less noticeable.
You can limit the amount of future scratches going forward. Place doormats next to all doors leading outside, and use them. This will trap most of the dirt and grit from your shoes, or better yet, go with a no shoes policy inside your home, where slippers instead. Use furniture protectors on all of your furniture. Especially chairs, since they get dragged across the floor everyday.
Cleaning Laminate Wood Floors
To begin cleaning your laminate wood floors, skip the laminate wood floor cleaner and grab a soft broom and a damp cotton cloth or damp sponge mop. Sweep your laminate floor regularly to help remove the grit that will end up eventually scratching your laminate floor. You may also want to consider investing in a quality hardwood floor steamer to really deep clean your wood floors every couple of months.
Fill a 32-ounce spray bottle with water and add 1/4 cup of white vinegar Then spray the floor and begin cleaning using a damp sponge mop. Do not leave any water on the floor or it could possibly warp the laminate panels or soften the glue underneath. Dry your laminate floor afterward with a soft cotton cloth.
Shining Laminate Wood Floors
Most laminate flooring manufacturers don’t recommend using oil and soap products for cleaning or shining laminate floors. Never attempt to refinish laminate floors since you won’t be able to sand them without removing the image of the wood floor.So, how do you restore the shine to laminate floors?
By putting back the hard, clear coating that once made your laminate floors shine.
You can make older laminate floors look new again, and you can even make cheap laminate floors look expensive with a good quality floor restorer. Pro Shot® Floor Restorer is inexpensive, easy to apply, dries to a hard, clear finish in less than an hour, and is UL-listed for slip resistance. It makes laminate floor scratches less noticeable and helps protect laminate floors from spills and black heel marks. Pro Shot® contains no petroleum, so there’s no smelly fumes.
Now you know why a laminate wood floor cleaner won’t restore the shine to laminate floors, and even better, you know that Pro Shot® Floor Restorer will restore the shine to laminate floors in less than an hour.
Forskohli Extract - Miracle Diet Supplement or Scam?
Forskolin (7 beta-acetoxy-8, 13-epoxy-1 alpha, 6 beta 9 alpha-trihidroxy-Labd-14-ene-11-1) is a derivative obtained from the root of a plant called Coleus forskholii ( is also known as Plectranthus barbatus), is related to the family of lavender and mint (Lamiaceae), originated in wild in the arid and semi-arid regions of india and Africa is an aromatic, herbaceous plant with large leaves light green, serrated edge; the flowers appear and mid-summer and last until autumn stems with purple flowers, now cultivated worldwide as an ornamental plant. Both the root and leaves are used for medicinal purposes.
For many years it has an important role in Ayurveda and called the old system of traditional medicine native to India and sustaining experience and knowledge acquired over the centuries. System is known with traditional Chinese medicine as one of the oldest existing medical systems in the world.
How it works in weight loss? The recent interest in forskolin is derived due to its ability to act nonhormonal form and activate one of the most important cellular regulators of the human body, the compound cyclic adenosine monophosphate (cAMP).
This nucleotide is vital to the organism because it acts as a second messenger within the cells, activating or inhibiting other enzymes that perform a large number of specific functions in cells of an organism.
Stimulates the breakdown of stored fat in the body, undoubtedly one of the biggest challenges when weight loss is all about. Recent research has shown that forskolin has effects on weight loss. Thus the forskolin helps speed up the process of removing fat from the body. actually improves the body's metabolic rate.
In ancient times it was known as Makandi (Sanskrit) has more than 3000 years of history of medicinal use in traditional medicine and Indian Ayurvedic. Hence its current name:
In 1760 he was invited by King Frederick V of Denmark the Swedish naturalist Peter Forskal to join an expedition to southern Arabia to collect botanical and zoological specimens, where he fell ill with malaria and died in July 1763; Carolus Linnaeus (scientist, naturalist, botanist and zoologist Swedish) teacher Peter Forskal, named one of the plants that had sent Peter, TENACISSIMAFORSKAOLEA because the plant was so stubborn and persistent as the young Swede.
Names with which is known:
BarbatusSolenostemun Plectranthus indiaIndian barbatusColeus ForskolinBoldo of traditional coleusUsos:
Root has been used to treat heart lung diseases, intestinal, insomnia, epilepsy, skin rashes and seizures diseases. Other studies indicate that the plant can be useful in asthma and angina.
On the skin
In the eyes
In the blood
urinary tract and bladder infections
increase in insulin secretion
In their hometowns, their leaves are toilet paper.
Given its recent popularity, have not yet registered modern side effects of forskolin, and for this reason it is very important to consult a doctor before starting to supplement your daily diet with this known adverse ingrediente.Reacciones reported so far Hypotension, tachycardia, headache.
its use is not recommended during pregnancy because there is little information about it.
It is important to always keep in mind that a supplement or complement is what its name dictates, at no time should be considered as a substitute for any treatment, medication or directed by your doctor.read more