Enterprise Rentals – Insurance Selling Guide

Sleazy Sales

Here's a sheet they use for upselling people on what many consider to be worthless insurance.

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More States Defy National ID Card

(Image used under: Creative Commons 2.0 [SRC])

It looks like the ball is starting to roll.

New Hampshire, North Carolina, and Arkansas have joined the list of states evaluating proposals to ban implementation of the controversial Real ID act.
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The Failure of the President’s ID Theft Task Force

Federal Trade Commission - Forgot their job apparently
(Image used under: Creative Commons 2.0 [SRC])

On May 10th, 2006, President Bush signed an executive order to create an Identity Theft Task force in order to identify concrete steps to reducing the identity theft problem.

On Dec 26th, 2006, the task force put out a public call for comments to "improve the effectiveness and efficiency of federal government efforts to reduce identity theft".

Of course, I submitted details about implementing Credit Freezes and halting data abuse

There were off to a good start when the interim results of the task force included language about Credit Freezes:

For residents of states in which state law authorizes a credit freeze, consider placing a credit freeze on their credit file. This option is most useful when the breach includes information that can be used to open a new account, such as SSNs. A credit freeze cuts off third party access to a consumer’s credit report, thereby effectively preventing the issuance of new credit in the consumer’s name.

But problems started when the press release mysteriously omitted the information. They'd already failed to include it in their consumer education initiative though they're happy to recommend Fraud alerts or Credit monitoring for FREE! Well, whee! That's just great. Thanks for paying for my worthless monitoring service which will tell me in horrific real time that I'm being ripped off rather than actually do anything to stop it.

April 17th, 2007 Update

I called the FTC office of media relations and was directed to Claudia Bourne Farrell who apparently was the one who drafted the press release. She contends that credit freeze language was ~"probably stripped for brevity" and politely, but firmly persisted that the release was fine the way it was. She did provide her e-email before we concluded the call so I took one more opportunity to educate her about the issue:

Dear Ms. Bourne-Farrell,

If you understand how credit freezes work as you say, I hope you will see that they are far more effective than fraud alerts (which are optional for retailers to follow), and credit monitoring (which only alerts you to bad activity without actually stopping it). Freezes fully prevent ANY kind of check of one's credit report without express consent.

While stopping the proliferation of private data and the loss thereof is a huge part of the problem, I and all other Americans would sleep better knowing that in many cases, it doesn't matter who has the data because they can't use it for anything that requires a credit check.

Please, understand that I don't mean to be offensive when I ask this, but how is the FTC doing their job when they won't even list credit freezes as an important tool for consumers along with fraud alerts (which are temporary and of questionable effectiveness) and credit monitoring (which doesn't stop anything plus costs a monthly fee)?

Thank you for listening,

Sincerely,

Jeremy Duffy

And here is the one I sent to Alberto Gonzales, Chair of the ID Theft Task Force:

Dear Mr. Gonzales,

I have begun following some of the developments of the Identity Theft Task force and am extremely concerned. Credit Freezes are the best way to ensure consumer peace of mind, and I see that the task force has mentioned it in your interim recommendations (which is good). However, your press release didn't include it.

I have contacted the FTC's media relations department and am unsure if my message will be acted on. I am hoping that they will not repeat this mistake in the release of your final recommendations, but I am doubtful. Please make sure, for all our sakes, that the Task Force's message of credit security freezes is heard loud and clear, not just in the full documents, but the press releases as well.

Thank you for your time,

Jeremy Duffy

Failing to include credit freeze information was nothing short of incompetence.

Sadly, on release of the final recommendations some time later, freezes were only barely mentioned and even then, discouraged. This is hardly the first time I've seen government incompetence up close, but considering the importance of the issue, it was still discouraging. Bottom line, the FTC and in particular Ms. Bourne Farrell and Alberto Gonzales failed the President and the citizens they are supposed to serve.

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Bush Evades Congress, Possibly Broke the Law (Again)

George W. Bush
(Image used under: Fair Use doctrine)

Showing his usually disregard for Congress, the American people, and rules, Bush named an ambassador in a way that circumvented Congressional oversight.

The appointment, made while lawmakers were out of town on spring break, prompted angry rebukes from Democrats, who said Bush's action may even be illegal.
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HYMN Utility – iTunes Music DRM Stripper

(Image used under: Creative Commons 2.0 [SRC])

How very interesting. This project was designed to strip the DRM from iTunes music so you can play them on any player or in any program you wish (as you are entitled to under fair use laws).

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RFID Shield in the Works

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This is cool. Some people took an offhand comment from the world's leading RFID privacy expert, Katherine Albrecht, and is trying to make it a reality. Some Dutch researchers are working on a portable RFID shield. I wonder about their ability to actually block the RFID transmission of a target chip rather than just interfere with the transmission.

UPDATE:

I contacted the author of the RFID Guardian research to ask the following question:
Just one question. Does this actually prevent a tag from reporting to a reader or just give the reader fake data so that the reader can't tell which one actually came from the tag?
And her response:
The RFID Guardian actually jams tag responses from reaching the RFID reader.
Neato.
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Google’s Free 411 Service is data brokering

They dropped their "don't be evil" motto for a reason
(Image used under: Creative Commons 2.0 [SRC])

I love Google and almost all they do, but they've got to stop with the data brokering. Of course, of all data brokering companies, I trust them more since they keep they will actually fight to protect your privacy unlike some other companies.

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House Committee Bans the “War on Terror” Catchphrase

George W. Bush
(Image used under: Fair Use doctrine)

The "War on Terror" is political spin initiated by President Bush to justify using "wartime" powers indefinitely. Just like the "War on Drugs", the war on terror will never end.

Nobody disagrees to giving a little leeway to our commander in chief during a clear and present need, but that's the point: a war on terror that lasts an indefinite amount of time is neither clear, nor present.

It's about danged time that someone in a high position finally dropped this marketing ploy where it belongs.

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Best Buy Kills Mail-in Rebates

Hey buddy... wanna rebate?
(Image used under: Creative Commons 2.0 [SRC])

In a trend that we hope continues, Best Buy Canada has killed mail in rebates. Companies have been ripping off customers for years with rebates so it's nice to see the trend finally reversing.

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A Good Article About Data Brokering

Suck it all down
(Image used under: Creative Commons 4.0 [SRC])

Data Brokering (what I refer to as data brokering) is the practice of buying and assembling personal information and then reselling it. As opposed to credit reporting companies, these people collect everything they can about you. Companies like Facebook and Choicepoint for example.

James Derrell White, 41, who happens to live in Alpharetta, Ga., where ChoicePoint is based, was denied a job with Home Depot this year because data provided by ChoicePoint incorrectly identified him as a felon. "We thought we were in a bad dream," says Julie White, James' wife.

Data brokers have very little regulation which is what leads to problems like these.

"No matter how good any company's attitudes toward privacy, there are too many players in the (data-collecting) industry — too many intricate parts when it comes to privacy issues — to expect self-regulation to effectively deal with the problems," Solove says.

Hear, hear! We need laws and we need laws now.

This story provides some good background information on the issue. Tags:

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E-mail Dangers

Until we find out who the people are who actually buy things from spammers and kick them off the Internet, you're going to have to learn how to deal with and prevent spam.
E-mail Viruses - Learn how viruses are spread through e-mail and how to stop them
Phishing - Spot and avoid lures that pull you into the dark side of the web
Don't be one of those people that loses thousands of dollars to the classic Nigerian Scam.

E-mail Etiquette

Use CC only when necessary and BCC the rest of the time.
Use Reply-All when you mean to and never when you don't.
Practice proper E-mail Forwarding to protect privacy and make e-mails more readable.
Always personalize your e-mails to make it obvious to your recipient that it's valid.

E-mail Tips and Tricks

Using E-Mail Aliases Properly - Be careful about using sensitive data (like your real name) in an e-mail account.
Remember to treat your e-mail account with the security it deserves.
Use a decoy e-mail account to keep your main e-mail account free of spam.
Avoid using any Internet provider's default e-mail.

... or check out any of my other guides and tutorials by clicking here!

Credit Freeze

Setting a credit report freeze is the fastest and most effective way to actually block and reduce your risk of ID Theft. And it's free.

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Credit Freeze

Setting a credit report freeze is the fastest and most effective way to actually block and reduce your risk of ID Theft. And it's free.

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Preventing Spam

Spam is annoying and worthless, but you still see it every single day. Here are some tips for preventing and reducing spam.

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E-mail Viruses

Make sure that viruses don't sneak onto your computer through your e-mails. Read some simple tips to prevent that from happening.

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Phishing

By far the most dangerous thing you'll find in e-mails is a lie. Sending a bogus e-mail to someone is generally called phishing, but can also be referred to as a Nigerian scam (depending on the goal of the e-mail). Learn to recognize and deal with phishing before it's too late.

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Nigerian Scam

Many people have lost thousands and even hundreds of thousands of dollars to the classic Nigerian Scam. Don't fall for it!

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How to Use "CC" Properly

Don't violate people's privacy and invite spam into their accounts by CC'ing all your contacts. Learn the proper way to send mass e-mails first.

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Reply-All

It's easy to embarass yourself or harm your career when you don't know how to use Reply-All appropriately.

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How to Forward E-mails Properly

Don't forward e-mails carelessly or you risk looking foolish as best and violating the privacy of all your contacts at worst.

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Personalize E-mail

Follow this simple rule of e-mail etiquette to help prevent your friends and family from falling for phishing scams.

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Using E-Mail Aliases Properly

It can be hard to find a good name to use in an e-mail account that hasn't been used and doesn't give away too much information about you.

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Protecting E-mail Passwords

Your e-mail account is the most important online account you have. Remember to treat it as such!.

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Using a Decoy E-Mail Account

Why it's very important to use a buffer e-mail account to shield your main account from people and companies that you don't trust.

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The ISP E-mail Trap

Don't fall for the trap of using the free e-mail account provided to you by your Internet service!

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