Integrative Business Capstone
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Integrative business capstone

Integrative business capstone write for me onenote iphone app password feeding the worlds growing population essay [Music] well it's only going to get worse so you know it's I think it's somewhat ironic that yesterday you know there was a commerce subcommittee meeting on the legislation for data breaches and notifications but I just think a company like anthem and and many other companies fail to spend enough money to upgrade you know their systems their security their firewalls you know I don't know for sure yet you know but we do know that the hackers were able to gain access to their servers so you know when was the last time that they upgraded anything in terms of their IT security exactly but people in New Jersey could be affected because their affiliate companies through anthem that are also you know now been exposed and that's about 67 million people the 37 million people that are directly enrolled with anthem or for sure have been affected affiliate companies third-party vendors that work with anthem you know doctors hospital networks things like that so what did you do you should get a copy of a credit report take a look at it obviously look for any red flags accounts that don't belong to you addresses recently added addresses that you have never lived at so one of the things that the identity thieves do is they try to establish a completely new identity and they'll use a different name a different address but they're going to use your social security number so look at the report and then unfortunately in today's day in world you need to be involved in a credit monitoring program that also has the resolution services because people always say Paul what if i get the alert that's somebody just tried to open up a credit card or multiple cards or they're leasing a car or buying a house so the average person doesn't know what to do so make sure you have some type of resolution service that goes along with the credit monitoring and I I say it's unfortunate because the free services that are out there are just inadequate so people are going to wind up having to pay anywhere from ten dollars to twenty dollars a month for that service but it's the world we live in the fraud alert you know so if you know you've been affected you might want to even go take it a step further and put a security freeze on your credit reports and that means that no one including you would be able to gain access to your credit reports without first providing a pin or password the fraud alert just says to creditors who are pulling your reports go an extra step in terms of verifying that the person is who they say they are credit report help me even if someone stole my briefing yesterday so that's where the monitoring comes in the credit report is a snapshot in real time and it might not help you if this is something that hasn't been reported yet so that's where credit monitoring comes in once you provide the company with your information if it's used in any way that's not consistent you should get an alert via email or text well the shameless plug would be we better qualified certainly provides free credit reports along with the monitoring service that really is you know it's ours is only like 695 of hunts so again anywhere from seven eight bucks some of the higher ones like there's a Lifeloc most of the people know because they do so much marketing but they're they're on the upper side twenty dollars lots of bells and whistles and I don't think you really need you need to be alerted and you need to the resolution service someone is going to help you if someone's opened up the reports what do i do what you need to file a police report and you need to contact the creditors and you know the average person spends about two years trying to undo what the identity thieves have done and I mean you know what happened here this breach do you see the company's doing enough no I think one of the things that you know I try and champion of the things that we talk about are all of the companies thus far in my opinion have fallen short in notifying that the clients customers on time and then don't just provide a one bureau credit report there's three bureaus and so for that very reason they need a three bureau credit monitoring solution and service and how about letting them know they stole your email Marci so be on the lookout for phishing emails that look like they're going to come from anthem and we know from target and Neiman Marcus and chase that the identity thieves emailed their clients and people gave even more of their personal information because they weren't made aware that these phishing emails are going to come they have your phone number so be on the lookout for phone calls how you doing this is paul auster from anthem listen we're just checking on our customers to make sure you're okay can you please verify with us your social security number bank account information it goes on and on it and people are in panic mode maybe they're rushing to work they got a kid crying who and all of a sudden they give this information and then it really becomes a bad situation or not right so I think the biggest thing for people to realize is don't become numb to this you know 2014 was the year of the data breach every other day you heard about and people say well it didn't hurt me yet so what they need to realize is that the information is on the black market it's being sold on the dark web so it's only a matter of time before somebody buys it and uses it and just because it doesn't happen yet take the steps be proactive in protecting yourself because obviously the government can't do it these companies can't do it retailers can't do it we lock our front doors we lock our cars we lock our phones but we fail to lock our identities down so take a couple of simple steps to protect yourself and one of them being get involved in a credit monitoring program identity theft is the fastest growing crime it's going to continue to be that way because of our you know dependence on doing everything over the Internet absolutely you can call and have all of your account numbers change you don't have to close accounts and get new accounts but have the account numbers changed change your pins and passwords and I say you know this is my job I preach this every day and people don't do it they hear it and they go all but it's in it's an inconvenience but if you don't do it believe me it's a far bigger inconvenience if you become a victim of identity theft so change your pins and passwords change your account numbers you don't have to get new accounts but certainly change them and then obviously you're going to have to change you're going to have to alert the creditors maybe you have auto draft and auto pay and all that stuff but if it takes you an hour you're done if you're a victim of identity theft like I said before it could take years and it could be financially you know devastating along the way change your account numbers absolutely thanks bank accounts checking accounts credit cards all of those banks and creditors will issue you new account numbers and you know here's the thing it's kind of related to it but people everyone has debit cards now but when you go to the store the default is for you to use it as a debit card because the retailer pays less money to process that transaction ask to use it as a credit card so when you swipe your debit card now it says what's your pin no cancel announce I want to use it as a credit card because you're afforded some more protections as opposed to a debit cards it's linked directly to your checking and savings so if they get that information now they can backtrack in your checking account and savings again [Music] [Music] Oh [Music] [Music] do my capstone project ideas for highschool students order Marist College.

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