Whoo!
I'm still alive!
Man, it has been a pretty crazy last few weeks.
Survived Hurricane Irma taking a beating to Florida.
Flooding everywhere, half my city was underwater for a while, it was nuts.
But now everything's pretty much back to normal, the sun's out, life's good and
things are looking up.
Alright, breaking news this morning.
Credit reporting company Equifax says personal information of 143 million people has been
compromised -
[pained crying]
What is up, my fellow Money Minions!
My name is Troy, also known as - the Dollar Dude.
How have you been?
Welcome back to another video, and as all the money minions out there know, we talk
personal finance and building a life full of financial freedom here and we keep it as
simple as and real-world as possible.
If you're down with that and you're not yet a minion, hit that subscribe button and
that little bell icon next to it so you don't miss a second of all this chocolate.
What did you think I meant?
#kingsize
Ugh.
Equifax.
I'm a little late to the party - I'm sure you've all heard about this by now.
143 million people compromised, names, birthdates, addresses, social security numbers.
Equifax, come on!
I thought we had an understanding.
I've even written you letters in previous videos.
"My dearest, darling Equifax.
I know it's been a while since I last wrote."
"You and I - heh, we always had kind of a love-hate relationship."
'Cause apparently, you have no idea what the heck you are doing.
You don't deserve this fedora!
So people are livid, right?
Heads are rolling, the chief security officer and the CEO just "retired", things are
pretty bad over there.
But none of that matters, because the important part is this - 143 million consumers had their
personal information exposed.
This is serious.
So Equifax went into full damage control mode and set up a site where people could sign
up for a year of free credit monitoring.
Setting aside the fact that 1 year is not even close to enough - ramifications from
this could last well into the next decade - they also hid in the fine print that if
you signed up, you waive your right to join a class-action and agree to arbitration instead.
...a.k.a., you can't sue them for this.
I'm sorry, what?
And only after a huge amount of backlash did they drop it (or quote unquote "clarify")
that the auto opt into arbitration wouldn't apply to this data breach.
Still if you want to sign up for the 1 year of monitoring, I highly recommend you send
a letter certified mail within 30 days, explicitly stating you do not wish to be subject to binding
arbitration.
Aka, it's my data and I'll sue if I want to.
Better safe than sorry.
But yeah, in my opinion, I just say forget all that and not even bother with Equifax's
credit monitoring.
So what can you do?
I'm sure I don't have to tell you that identify theft is no joke and can take years
to try and clear up once it happens.
Let me know down in the comments if you or someone you know has ever been a victim of
identity theft, and how you handled that - also, any tips or tricks that you now use to keep
it from happening again.
Bottom line, take the steps to protect yourself.
I'm going to tell you what you should be doing right now.
Listen up, this one's important.
First thing you need to do is get your credit reports.
Remember, in the 4 Tips on How to Write A Dispute Letter video, which you watched, right?
I already told all the money minions out there how to do this, but in case you missed that
one, you're going to want to go to annualcreditreport.com.
Totally, 100% free to get your credit reports from each of the three bureaus once a year,
or every 4 months if you space them out.
Second thing I'd recommend is signing up for a free monitoring service like CreditKarma
or CreditSesame that allows you to monitory your reports yourself.
CreditSesame lets you pull an update every month, and CreditKarma lets you pull an update
every 7 days, but since it takes about 30 days for any new information to pop up on
your credit report anyway, it's pretty much the same thing.
Both of these services will try to suggest credit cards and other financial products
to you based off of your history.
That's how they make their money, it's fine, you don't gotta get mad, you can just
ignore it.
What you're looking for here is a free way to keep an eye on your credit reports more
frequently than annualcreditreport.com can give to you by itself, because the most frequent
you can keep an eye on that is pulling one bureau's report every 4 months.
Number 3, look into getting identity theft insurance.
It's not too late to look into identity theft protection because of this breach.
This isn't the first data breach and it sure won't be the last, and it's a good
bet to have this stuff in place.
Lots of places offer good plans on identity theft insurance, I know Zander Insurance is
one, off the top of my head.
Now you man say, "eh, identity theft protection is just a ripoff cause if your identity is
stolen, you're protected, the banks refund your money anyway."
That's right, for the most part they do.
But you're missing the point.
If you do lose money, the insurance will reimburse you, of course.
But the main benefit is not having to deal with spending hours and hours, day after day
on the phone or in the banker's office trying to clear this mess up.
Ain't nobody got time for that!
Your time is valuable and identity theft protection is meant to save you from all that hassle.
So it's a good idea to have it in place, believe me.
Number 4, and this is the BIG one: Think about putting a credit freeze in place.
Freezing your credit pretty much locks down your credit report and no new accounts can
be opened on it.
You can still use any open accounts just fine, but you can't create any new ones.
Each of the bureaus you do this with will provide you a security PIN number that you'll
have to provide back to them If you ever want to unfreeze it.
Now, freezing your credit reports is kind of like chopping an onion with a circular
saw.
For some people, it might be a little much.
If you've put in the work and time and saved up the 10% down payment for a house and you
were just about to go for it when this happened, well then, freezing your credit probably isn't
the best choice for you right now.
But it's an option for all of us.
But hey, if you're debt free and plan to stay that way, go ahead and freeze your credit
cause it's not like you're using it anyway.
Once your credit is frozen, that does NOT mean your job is done.
If you still have open credit accounts, you still need to keep a regular eye on those.
Freezing your credit only keeps new accounts from being opened without your say so.
It does not lock down your existing accounts, got it?
Those numbers can still be stolen and used by whoever.
You do have to call each bureau individually to initiate a credit freeze.
All three - Equifax, Experian and TransUnion.
Now it does cost a fee to do a freeze, Equifax has waived their fee because they're the
reason we're all in this mess, but Experian and TransUnion do have fees and they vary
by the state you're in.
When you call them up, some of them may try to talk you into "locking" your credit
report for free instead of "freezing" it.
I know TransUnion is one bureau that does this for sure.
What's the difference?
Well a credit lock is free, but it still allows the bureaus to sell your information to companies
for those pre-approved offers you get in the mail sometimes.
But, if you freeze your credit, they can't do anything with it, by law, without your
approval.
If you want to do a freeze to protect yourself, then do a freeze to protect yourself.
Don't let someone on the phone talk you out of it if that's what you want to do.
Look down below in the description, I've got the numbers you need to call for all three
bureaus if you want to do this.
Cause I got your back, fam.
By the way, if you choose to do a credit freeze, the phone numbers are getting slammed right
now, obviously.
Call in the middle of the night if you have to.
You'll get through eventually.
This Equifax data leak is a pretty bad situation nationwide, but hey, if you take the steps
to protect yourself and protect your financial freedom, then we can all breathe a tiny bit
easier.
And I'm all for that.
And this one is done guys, I'm so glad to be back.
Hit the like button if you liked it, or if you're not yet a Minion, subscribe to the
channel if you feel so inclined, we'd love to have you.
Also, if you've got a question, finance or otherwise, leave a comment down below,
let's talk about it.
So until next time, my fellow Money Minions, my name is Troy and I will see you guys...
...next Dollar!
For more infomation >> Equifax Data Leak! Here's What You Can Do NOW to Protect Yourself - Duration: 7:45.-------------------------------------------
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Top 10 Richest Football Players in Italy | 2017-2018 | By Sports Support - Duration: 5:33.
Top 10 Richest Football Players in Italy | 2017-2018 | By Sports Support Top 10 Richest Football Players in Italy | 2017-2018 | By Sports Support
Top 10 Richest Football Players in Italy | 2017-2018 | By Sports Support
Subscribe to our channel by clicking the subscribe button click the bell button and enjoy the latest uploads from our channel hello friend and fans
Welcome to my channel sports support. My name is caddie today. I will present
top 10 richest football players in Italy
number 10, Giorgio Chiellini
15 million dollars USD
Shalini is arguably one of the best defenders in history the 32 year old Italian has been a pillar for his serie team
Juventus since the Year
2005. Everything seems to be going good for defender because other than the fact that
Walter Mazzarri has often praised him as the best footballer to work with he has ever been ranked by the
Guardian as the 50th best player in the world
Number nut Roberto Baggio 15 million dollars
Roberto might be retired
But still manages to find a spot on this list with his rich experience with many teams during his career including Milan and Juventus
The Italian forward was gifted playmaker with him specializing in curling free kicks
The 49 year old was mostly deployed as a second striker and occasionally as the attacking midfielder due to his goalscoring
prowess
number 8
Alessandro, Del Piero
25 million dollars
Piero makes the list even after retirement well probably because he is the ninth most capped player of all time
The creative supported forward blade for the Italian giants Juventus and red substance with other teams such as Padova Sydney
FC and the lastly the Delhi dynamos after which he retired dot Piero has scored in every competition he has participated
in and also represented Italy in three
Number seven Daniele De Rossi
25 million dollars the list wouldn't be complete without the 33 year-old
Defensive midfielder who plays for the team Roma and the national team in?
2006 he was named as the Serie A young footballer of the year which was followed by the ceremonial
Footballer of the year in two thousand and nine dot during his prime he was considered to be one of the best midfielders
Number six
Paulo says M Maldini
25 million dollars the 48 year old defender played for Milan since
1985 to
2009
Maldini was the football equivalent of a brick wall which earned him the best defender trophy of the UEFA Club Footballer
wards which was seconded by the Serie defender of the Year award back in
2004. He was also a good captain for many years on the Milan team and on the national side turning him the moniker
Capitano meaning the captain
Number for Andrea Pirlo 30 million dollars Pirlo currently plays for Major League Soccer Team, New York City
FC dot his remarkable career path can be traced from Italian giants Milan and Juventus, which he left in
2015. He is a deep-lying playmaker for both his club and the international team many people know andrew from the
2006 fifa world cup in which he was named the man of the match three times number 4 Mario Balotelli
40 million dollars
there is so much to say about the
26 year old forward who currently plays for the league one club nice and also the national team
He is the only player on this list who has not played for one, but two English League clubs
Which are Manchester City and Liverpool. Mario has crazy and unpredictable?
Nature, which wasn't favoured by managers and other players
But with all that said Balotelli was an aggressive player who was an aerial threat and always had an eye for goal number 3
Fabio Cannavaro
45 million dollars
Fabio who is 43 years old is currently the manager of Chinese club Nanjing cranium dot he is considered to rank among the top?
Defenders of all time Fabio has played in some of the finest teams in association football namely Napoli
Internacional
Juventus and the Spanish giants Real Madrid Cannavaro, led his country mates to a victory in the 2006 FIFA World
Nomber to
Francesco Totti
67 million dollars the 40 year old currently plays and captain's for Roma and is mainly an attacking midfielder
And a second attacker, but also works as a frontman or winger
He has played for Roma all his career with no transfer. Taki has many awards, but most notably he has a record 11 Oscar
Del calcio awards Tati has proven you can play football in your forties and still add the same value as a 19 year old hot
Number one jar emoji before
72 million dollars
Finally the number one player on the list is another lad from Juventus
And it happens to be their keeper the 38 year old plays for Serie team Juventus and the Italian national team
We can just start with the fact that he is the most capped player in the Italian national team and the sixth in the whole
World the Italian is an amazing shot stopper and the most expensive goalkeeper after his 50
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I'm so glad that he's done because
it sounds creepy
I hear about that oh no thanks bin is still here I don't know if I want
to continue because somebody told me that they made him scarier and scarier I
don't know if that's true or not okay oh gosh okay Ben be good for
letting me what what are you gonna do bin you're not gonna scare me right
enter enter what this is scary stop stop oh gosh Oh smiley that's creepy
that's creepy creepy the heck was that what was that a picture of oh my gosh
wait temp no pad always typing my anthem oh I
don't like those can I turn it off then can I turn it off oh gosh I
I've been how you doing yeah oh gosh you're creepy stop creeping me out bad
and you're scary you're gonna scare everybody
I don't like that's on the backwards he's staring into my soul I don't like
that at all okay you're done now Vince done right oh gosh
this is creepy I'm afraid to look he left good good we could relax let's
just have a cup of tea and enjoy ourselves and talk about the weather
please help me maybe oh gosh ah I don't like this why am I doing this I am stuck
good don't about don't come out we don't want you to come out
seriously please get me out of here okay did I say okay what should I run okay
I know
okay so this is been for
you shouldn't have done that wait a minute what he's typing on your
door sock bags seriously
this is like beyond creepy it's done you're done right then you're seriously
done
guys I should when I do
is he done seriously he's done night help me no no I don't want you oh gosh
he's killing me what
what is going on oh good he's done I am so glad that he's done because oh my
gosh okay now he's done I think I think he's done he has to be hell no here is
the cycle of art don't give me a virus please please don't
seriously it's time to go back okay let's go back we all have to go back
I shall come back
okay
I got it off my desk and off my desktop and he's done oh my gosh that was
terrifying that was really scary anyway guys um
that is it for this one because I don't want to do Ben five right now I will do
it later but that was Ben four exe and it was scary yes it was scary a really
scary thing so guys you have fun and I'll talk to you later bye
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Bhavishya Darpan 4U YouTube Channel
Masika Bhavishya
Mesha Rashi
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Bhavishya Darpan 4U YouTube Channel
Masika Bhavishya
Meena Rashi
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Could This Be Warren Buffett's Secret To Becoming Rich? - Duration: 4:46.
Warren Buffett it's easier to find people that are honest than able than it is to find
businesses that are going to stay wonderful for a long period of time
there a lot of businesses that looked like they were going to stay wonderful
that really evaporated over time but that's what we're looking for and the
nice thing about is we don't have to find very many if we find one a year
that's terrific you know because you don't you don't need a hundred or a
thousand great investment ideas to well you need a couple and if we the
discipline is the most important thing we don't need brain power we need
discipline that you don't need 150 IQ to do what I do thank God you know you
don't need 140 you know 135 you may need 115 or something like that and and but
you do need discipline you have to wait until you see the fat pitch to swing at
because investing is a know called strike game you know if I were a
baseball player and I only like pitches two inches above my navel you know some
guy could learn that and he could pitch me you know three or four inches below
that I get called out on strikes because I never find a pitch I like you can get
call out on strikes in baseball you have to you have to swing at pitches that you
you don't even necessarily like particularly after the count gets the
two strikes in business you don't have to swing at anything you can sit there
and the paper says General Motors at 68 or says General Electric of 115 or says
General Dynamics at 63 and if you don't like those prices you don't have to
swing you can wait there day after day after day after day and there are no
called strikes now when you swing when you decide to buy something then you
know if you're swinging miss it's a strike but it's a marvelous game to be
in because there are no called strikes and you can simply wait for that one
time in a month or six months or a year or two or three years when you really
know what you're doing where you like the price we like the people running the
business and then you swing and you only need a few swings in your lifetime so
that's the way we try to pick businesses we try to stay with things we understand
I mean there can be all kinds of wonderful investment opportunities out
there that I don't understand I don't what cocoa beans are gonna do next year
you know maybe you know but I don't know I I don't know what I don't know what
crude oil is gonna sell for but I don't have to know I just have to know what
the things I have to know what I know I have to know where the limits of my
understanding are what I call what my circle of competence is and if I'm only
able to evaluate 5% of the businesses in the world no problem I just stay within
that 5% and try and find something and that's most people get in trouble
because in investments because they well they get itchy
you know they can't discipline themselves and they hear about other
people making money nothing upsets people so much as to hear about their
friends making money I mean is that that's very destructive to discipline
because they think I'm smarter that guy next door and he just just bought that
new car with the money made trading stocks on the internet so I can't I well
the answer is you can't over up at the time you will lose money to trade stocks
actively and it's it's hard to exercise the discipline but any time you buy
something you should be able to take out a one page sheet of paper and say I'm
buying General Motors it's 65 I'm buying General Electric a 150 beacause and you
should write down the reasons if you can't if you can't fill out the sheet if
it's because somebody told me about it at a cocktail party last night that's
not good enough if it's because my broker told me about it that's not good
enough yeah it's you've got to have a reason
for thinking that it makes an intelligent investment you do the same
thing if you're buying a farm or an apartment house if you're buying a farm
you'd say I'm buying this varmint thousand dollars an acre because I think
I can earn sixty dollars an acre on it if corn sells and such and such and
soybean sells at such-and-such and yield is such-and-such and you'd figure it out
that's the same reason you buy businesses and when you buy stocks
you're buying a little piece of the business and that's probably the most
important thing to remember and in in dusting is that when you are buying a
stock you're buying a little piece of the business and if you are buying it at
an attractive price for the business for the whole business you're going to make
money and if you aren't you know over time you won't make money
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