From the CAM Team family to yours, we hope that you have a safe and joyful holiday season. Merry Christmas to all!
Take action the minute you notice your wallet or purse is missing. Thieves often want more than cash when snatching your belongings; they want to assume your identity. The immediate steps you take can make the difference between some missing money and months (or years) of headaches and frustration.
The Federal Trade Commission suggests you:
File a report with police immediately. This provides needed proof of the crime for your bank, credit card company and insurance company.
Cancel each credit card. Ask for new cards and new account numbers. Then, call the major credit reporting agencies to report missing cards and place a fraud alert on your accounts. Equifax: (800) 525-6285. Experian: (888) 397-3742. TransUnion: (800) 680-7289. Ask for credit reports, too, to search for any discrepancies.
Call your utility companies. Inform them someone may try to receive new service with your identification.
Contact the Social Security Administration. Call (800) 772-1213.
Report the loss to your bank. Cancel checking and savings accounts. Open new ones, and stop payments on outstanding checks. Ask for a new ATM card, account number and PIN or password.
Call the state department of motor vehicles. Report your missing driver’s license. Get a new number that’s not your social security number.
Change the locks. If keys to your car or home were taken, you don’t want to give an identity thief access to more personal property and information.
Contact your insurance companies. Prevent an identity thief from adding himself or herself to your policies.
Once you take these steps, pay close attention to your accounts. Be your own fraud investigator by taking notes of everyone you speak to, the date and time of the call and what you talked about.
It’s always important to be wary of thieves. Try not to stuff your purse or wallet with all your things—from your checkbook, pay stubs and credit cards to ATM cards, driver’s license and health insurance cards. It can take years to recover from identity theft because thieves can hold onto your information and trade it with others. Order your free credit report annually to watch for suspicious charges or accounts.
Our association is proud to be pet-friendly, and we’re happy your four-legged family members are part of our community. Of course, like any good neighbor, it’s important that these pets don’t create an unpleasant environment for everyone else. To avoid unnecessary disputes and potential rule violations, here are some guidelines owners should follow to ensure their furry friends continue to be a welcome addition to the neighborhood.
Read the Rules: While we welcome pets in our association, we have a few rules and requirements. Please check our website or the association’s governing documents for more information.
Service animals are exempt from the association’s pet requirements. However, please contact the board or manager to ask for an accommodation to keep a service animal. Proof of the service animal’s training or a doctor’s certification may be required.
Keep it Clean: No one wants to see, smell or accidently step in the “gift” your dog left on the grassy common area. So when your dog needs to go, be sure to properly dispose of it, preferably in a pet waste disposal can. Not only will this keep our community looking better, but it will help keep ground water clean and help prevent the spread of fecal-borne diseases.
Quiet Down: Pets will be noisy from time to time. However, when loud barking or meowing becomes annoying to neighbors, it’s time to help your pet become less talkative. First, try to find out what causes your pets to get vocal: Do they get noisy when they’ve been alone and bored all day and need some playtime? Have they gone through a stressful change in environment recently? Are they suffering from health issues? Do they simply like saying “hello” to every squirrel, person or car that passes by? When you’ve identified the cause, take remedial actions such as confining them to an area where they feel calm while you’re away, removing or blocking as many stimuli as possible, exercising them more and spending more time with them. You can also take them to a professional or search online for tips on how to train your pets not to get too noisy.
No Wandering: For the safety of your pets as well as all residents, please do not allow your pets to roam unattended outside. Along with helping protect your pets, leashing your dog is the law.
If you’re tired of being interrupted by telemarketers who make incessant calls to your home or mobile phones, the National Do Not Call Registry can help. Managed by the Federal Trade Commission, this free service allows you to add your personal phone number to its database, in turn limiting the number of unwanted calls you receive. Once you register your number, telemarketers have 31 days from your registration date to stop calling you; your number also remains on the registry until you remove it or discontinue your phone service.
Adding your number to the registry will stop most telemarketing calls, but not all. Calls from or on behalf of political organizations, charities and surveyors are still permitted, as are calls from companies with which you have an existing business relationship or have given prior written permission.
To add your number to the registry, call toll free (888) 382-1222 from the phone you want to register or visit www.donotcall.gov.