Wednesday, February 4, 2026
Home Blog Page 4440

Simple Tasks Help Protect Your Credit

0
Photo credit: Robert

A prevalence of financial fraud means consumers should be proactive.

MANHATTAN, Kan. – In a world where data breaches, credit card fraud and identity theft are becoming more common, consumers should consider ways to protect themselves. Elizabeth Kiss, faculty member in Kansas State University’s Department of Family Studies and Human Services, said with mega data breaches coming from entities such as retail stores, insurance providers and restaurant chains, someone could more easily gain access to personal financial information that consumers have legitimately shared with companies.

“It’s always a good idea to know what is happening with your credit and your credit report to keep your personal identifying information safe,” said Kiss, who is a family resource management specialist for K-State Research and Extension.

Sometimes it takes companies that have faced a mega data breach months to figure out specific compromised information and the consumers affected, she said. If you know your information could have been compromised as part of a data breach, consider placing an initial fraud alert on your credit card account. Initial fraud alerts tell credit card companies to monitor your account closely, typically for 90 days.

If you are still concerned after the 90 days or perhaps are affected by another data breach, go for an extended fraud alert, Kiss said. An extended fraud alert lasts seven years. The fraud alerts are free, and you wouldn’t necessarily need to file a police report to issue those.

According to the Federal Trade Commission (FTC), to place a fraud alert or extended fraud alert, contact one of the nationwide credit reporting companies. You must provide proof of your identity. The company you call must tell the other credit reporting companies, so they also will place an alert on their versions of your report.

Creditors can still get a copy of your credit report after taking steps to verify your identity while fraud alerts are in place, according to the FTC. Fraud alerts can be effective in stopping a criminal from opening new accounts in your name, but they cannot prevent the misuse of your existing accounts.

If issuing a fraud alert and extended fraud alert aren’t enough, Kiss suggested considering a credit freeze, especially if you believe your credit information has been compromised and someone else is using your information. A credit freeze is a security freeze that lets you restrict access to your credit report, locks down your credit and makes it difficult for criminals to open new accounts in your name.

“A credit freeze means you prevent anyone from getting your free annual credit reports, and you keep people from using your information, including yourself, to get any new credit,” she said.

A credit freeze requires a fee, and you would likely face other fees to temporarily lift the freeze or unfreeze it completely. The credit freeze fee is state specific and normally ranges from $5 to $10. Kansas’ credit freeze fee is currently $5, but could change at any time.

During a credit freeze, your existing creditors or debt collectors acting on behalf of those creditors could still access your credit report, according to the FTC. Government agencies that need your credit report in response to a subpoena or search warrant would also have access.
Review financial information

Kiss recommends that consumers monitor their credit card accounts, bank accounts and insurance statements on a regular basis and contest any charges that are not correct. True identity theft—when someone falsely uses another person’s identity and financial information—can be difficult to prove.

“If you live in Kansas, and activity is happening somewhere else that you have no connection to, then it may be easier to prove,” Kiss said, “but those who have accounts in several states may be more open to identity theft.”

“If you always use the same version of your name, you might be able to recognize changes,” she added. “The best protection is to keep track of what is happening with your own accounts. Open your mail. Go online to review your statements. Check your credit report—an explanation of your credit history—regularly. Look for purchases you don’t recognize.”

Three credit reporting bureaus exist, and you can get one free report from each bureau every year. Kiss recommends using one of those free reports every four months.

“Different entities report to different credit reporting bureaus,” she said. “Some information will be reported in all three, and some information may only be in one. This is why it’s important to use all three bureaus.”

Also, consumers should remember the difference between a credit report and a credit score. The information in the credit report influences the credit score, but the credit score is typically important if you plan to purchase a house or car, as examples.

“The score is important if you will be making a big purchase, and it can affect your insurance rates also,” Kiss said. “For most of us, this constant monitoring of our credit score is not that important. More important is what is on your credit record.”

She said consumers should also remember that a credit report is an individual report. For those who are married, both individuals should monitor their own credit and obtain their own credit reports.

More information about knowing your credit is available in a fact sheet through the K-State Research and Extension Bookstore.


Sidebar: Understand the Non-Financial Costs of FraudThe Stanford Financial Fraud Research Center estimates that $50 billion is lost to financial fraud every year, but financial fraud can also take a toll on human health.

A survey conducted last year by the Financial Industry Regulatory Authority Investor Education Foundation found that 65 percent of self-reported fraud victims experienced at least one serious non-financial cost, including severe stress, anxiety, difficulty sleeping and depression.

In addition, nearly half of the victims blamed themselves for the fraud.

“While it is important for all of us to take action to protect our personal information, we also need to remember that it is an ongoing process,” said Elizabeth Kiss, K-State Research and Extension family resource management specialist. “We are likely not able to control who has access to our information.”

Twenty-nine percent of the victims reported incurring indirect costs of more than $1,000, which could include, for example, fees for late payments and bounced checks. Nine percent reported declaring bankruptcy after facing financial fraud.

Inside The Box

0

Column writers, publishers and dogs who like to bite mailmen have a love-hate relationship with the Post Office. They keep us occupied, but at an ever-increasing cost.

People have always complained about the Post Office, from the constant postage increases back to its inception when folks complained that it cost the same to ship a one ounce letter from New York City to Troy, New York, as it did a barrel of flour over the same distance. But postal delivery has gotten better over the last 165 years, at least that’s what I’m told. In the 1850’s mail service was so poor that in the time it took the mail to go from Washington D.C. to San Francisco notifying a politician he was a new Congressman, he might find his term of office was over by the time he got to our nation’s Capitol to serve.

Oh, if we were only that lucky these days.

I guess it beats carrier pigeons, but not if you ask a friend of mine who went to pick up her mail in her Post Office box and found a note in it asking her to talk to a specific person at the front desk. There was a long line and only one teller so it took her 45 minutes to finally get to the front desk where she asked for the Post Office employee. He came from the back room, took her aside and asked, “Your last name is the same as mine and I’m a genealogy nut and I was wondering if we might be related?”

“That’s it?” she screamed. “I waited in line for nearly an hour so that could ask me about my relatives! You’re a nut all right!”

She was as exasperated as I often am when I go the Post Office to pick up my mail. Quite often an employee I don’t know will say, “Wasn’t that good news about your aunt’s surgery?” Or, “Not much mail today. Just one bill but I bet it’s a doozie!” Or, “I hope you resubscribe to that antique newspaper because I sure will miss it if you don’t.”   It’s comments like these that lead me to believe someone is reading my mail before I do.

It galls me that I have to pay a yearly box rent for my P.O. box. Why should I have to pay for my Post Office box when I’m saving them money because they don’t have to pay for gas, a Jeep and an employee to deliver my mail to my home?

There are advantages of having a P.O. box versus roadside delivery of mail, as my friend ReRide will attest. He called me and wanted to borrow a worming gun and since I didn’t want to drive down his corrugated dirt road I put it in his mailbox.

Did ReRide get an earful from the postman! “It’s against the law to put things in other people’s mailboxes because the Post Office owns the inside of your mailbox and people have to pay postage for using it.”

“Wait just a darn minute,” said ReRide. “I paid for the mailbox, it’s on my property and I didn’t see you helping dig the hole for the post. How can it be yours?”

“It just is,” was the postman’s reply.

So when some teenage vandals put a chain around ReRide’s mailbox and pulled it out ReRide naturally called the Postmaster and said, “When are you going to put up your new mailbox so I can get my mail?”

“Excuse me,” said the Postmaster. “The Post Office doesn’t actually own the post or the box. We own the inside of your mailbox. If we had to pay for putting in everyone’s mailbox we’d go broke.”

“But you already are!” said ReRide.

Next, ReRide bolted an old wooden ammunition box underneath his new mailbox and painted “Mine” on it. On his mailbox he painted “Yours”. One day the mailman innocently placed a box too big to fit in the Postal Service mailbox in ReRide’s ammunition box. So he marched right down to the Post Office and demanded to see the Postmaster. After the compulsory half hour wait the Postmaster emerged and ReRide handed him an envelope.

“What’s this?” asked the Postmaster.

“It’s a bill,” said ReRide. “YOUR box rent is due.”

wwwLeePittsbooks.com

 

 

 

In nearby Arkansas, two American masterstrokes

0
john marshal

The William J. Clinton Presidential Center and Crystal

Bridges, Alice Walton’s contribution to the heritage of

American art, are two magnificent antidotes to the credo, in

some quarters, that Arkansas is little more than a repository

for much that is backward, or deficient, or perverse in this

country – a place, to hear the snobs tell it, that lacks sophis-
tication, that worships the crude and the uneducated, that

holds no place for the pursuit of excellence in any matter

of public import, especially when it comes to finer things in

education, the arts, liberal senses.

In mid-February, we motored south and east to have a

look. We were startled.

ARKANSAS has leaped light-years from the days of Jim

Crow, Ozark moonshine and Orval Faubus jamming the

schoolhouse door. As a governor defying federal orders to

admit blacks to public schools, Faubus beat George Wallace

by nearly a decade, forcing President Eisenhower to send

federal troops in 1957 to de-segregate Central High in

Little Rock. Arkansas is home to such notables as Martha

Mitchell, brassy wife of John Mitchell, Nixon’s former

attorney general and criminal célébre. It also was home to J.

William Fulbright, chairman of the Senate Foreign Relations

Committee, among the earliest opponents of the Vietnam

War, a celebrated scholar and author (“The Arrogance of

Power” among his books), a senator in the era, not that

long ago, when legislators were literate, thoughtful, self-
less, well-read and tuned to the mission of country above

else. An east-west stretch of Interstate 630, in Little Rock,

is named the Wilbur Mills Freeway, honoring the late,

powerful and beneficent chairman of the House Ways and

Means Committee (1958-74) who served in Washington

from 1939-1977; Mills may be remembered for his dalliance

with Fanne Fox, the stripper, but should not be forgotten for

ensuring the funding for such historic measures as Medicare,

the Interstate highway system, and for later adding farmers

to Social Security and disability.

THE CLINTON Presidential Library and Museum, a $160

million post-modern glass and metal monument, is the

crown jewel among Little Rock public improvements proj-
ects. The building, opened in 2004, is a long, three-story

rectangle cantilevered along a bluff above the Arkansas

River downtown.

It’s among 14 institutions in the presidential library sys-
tem administered by the National Archives. The libraries,

from Herbert Hoover (1929-1933), in West Branch, Ia., to

George W. Bush (2001-2009) at SMU in Dallas, are hardly

libraries in the usual sense. They are archives and museums

that preserve the written and recorded record and physical

history of presidents. Noting this, and the special programs

and exhibits that serve communities, the libraries once were

described by Ronald Reagan as “classrooms of democracy”

that belong to the American people.

The Clinton Library holds the largest archival collection

of American presidential history – 80 million pages of paper

documents, 2 million photos, 13,000 videos, 83 million arti-
facts and personal memorabilia. It exhibits the president’s

personal, private and political history. On the third floor, an

exact replica of the Clinton Oval Office and Cabinet Room,

each of the 19 chairs at the table with brass nameplate for

cabinet officers and top presidential aides (chief of staff,

U.S. Trade Representative, the vice-president…)

Presidential libraries remind us that America once had a

government that worked and presidents who could lead. The

Clinton presidency prompted a time of unprecedented peace

and prosperity; an expanding American economy lifted even

further our highest standard of living on the planet as the

country experienced both low inflation and low unemploy-
ment. It was a golden age in science and technology (the

Internet), in medicine and in military power. The cold war

had ended and America had entered a period of unprecedent-
ed zeal, in risk-taking entrepreneurships flourishing at the

millennium, enterprises that created new businesses, mas-
sive consolidations, and vast fortunes, most of them new.

The Clinton Library is a monument of timeless social and

political history, a portrait of a president at his best and a

nation of unprecedented prosperity, with both at a turning

point.

CRYSTAL BRIDGES, opened in November 2011, in north

Bentonville, Ark., is the brainchild of Alice Walton, daugh-
ter of the late Sam Walton, who founded the Walmart retail

empire. We were there on a cold, gray morning in mid-
February, and were struck immediately by the energy and

nobility of the place: architectural majesty like no other, and

within it a stunning survey of American Art from the colo-
nial period to the present. Here is one of the best collections

of American art in any museum.

The name of the place comes from the land, the base

of a natural ravine in the heart of the Ozark Forest. The

scene embraces it all – a stream flows into and through a

pit flanked by two convex, ribbed-roof bridge structures, as

though armadillos had straddled the pooling of two ponds.

The ponds are fed by the inflow of Town Branch Creek

and Crystal Spring; the spring, and the stunning glass and

copper-backed bridges (armadillos) gave the place its name:

Crystal Bridges.

One of the armadillos is home to two galleries, the other a

restaurant. At the far end of the pit is another gallery space,

a curved concrete structure with a concave roof over eight

concrete pavilions inlaid with wood, all linked by bridges

and walkways offering visitors views of trees and water.

It comes together as a 200,000 square foot cultural palace

nestled below the tree line of 120 acres of Ozark forest, the

latest addition to the institutions of American Art.

It no longer matters that Alice Walton’s leadership here

flies against the image of her family’s retail dominance

in the seamy underbelly of American commerce; Crystal

Bridges offers a deep and compelling view of creativity

at the footing of American culture and its history, a living,

breathing legacy that, as the museum’s brochure tells us,

puts art “at the center of what it means to be human.”

The collection here spans five centuries of American art

from colonial times to today, all arranged chronologically

with text that provides the guest, easily, with an overview of

the art and its place in history; in a way, the art portrays his-
tory in America – “The Gross Clinic,” for example, Thomas

Eakin’s masterpiece, an oil, depicts Prof. Samuel D. Gross

removing a tumor from a man’s leg. This was before pho-
tography and anesthesia, and important for recording medi-
cal advances. In 2007 Alice Walton paid Thomas Jefferson

University in Philadelphia $68 million for the painting.

Money: The cost of the museum and how much, exactly,

Alice Walton has spent collecting for it, are not quite known,

except in terms of hundreds of millions. And in 2011, the

Walton Family Foundation gave $800 million to Crystal

Bridges, whose endowment now is more than four times

the giant Whitney Museum. Alice is thought to be the

world’s third wealthiest woman, at roughly $22 billion; her

sister-in-law, Christy Walton, is tops at $26 billion, followed

by Liliane Bettencourt, the L’Oreal heiress, at $23 billion.

Alice is a longtime collector, beginning decades ago

with water colors (Childe Hassam, Sargent, Homer…). She

entered the family business in 1971, was never truly inter-
ested, left, then increased her civic work with development

groups in Bentonville, lobbying for new highways, airports

and other improvements. By the early 2000s, she began to

think of building a large collection of art, and, eventually

connected with architect Moshe Safdie, who put the mag-
nificence of Crystal Bridges on a drawing board.

HOW ODD, in this magnificent place, that there is nothing

– not a stroke – of Birger Sandzén, among the world’s most

important mid-20th century painters. Ron Michael, director

of Lindsborg’s Sandzén Memorial Gallery and curator Cori

North say that early last winter a couple of members of the

Crystal Bridges board of directors visited the Gallery, unof-
ficially, and remarked that their museum needed Sandzén’s

work.

Michael said the Gallery would be interested in discussing

a proposal from Crystal Bridges, but neither he nor North

have heard from the museum.

A pity. Without Sandzén, Crystal Bridges in all its glory,

remains incomplete, and not quite the finest collection of

American art.

*

– JOHN MARSHALL

Sedgwick County will be holding a Waste Tire Collection for FREE!

0

April 16th- business and governments ONLY (no tires from businesses that accept payment for disposal)

April 17-18th- Sedgwick County residents ONLY

No semi-truck loads, limit 100 tires per load, tires on rims are OK, be prepared to unload your own tires.

9 am- 4 pm @ 4701 S. West St in Wichita

Chronicles of The Farm Woman: 4-H club

0
Farm Woman

 

The 4-H club members down this way joined in a club tour last Monday.  Why do so many things happen on Monday?  We used to think it was wash day exclusively.  Now we must hurry around and get the wash on the line early in order to do something else. Boys were half afraid to ask dad to go on the tour in such a busy week.  Fathers really have a soft heart even though the exterior may sometimes appear gruff.  Of course, they arranged for the boys to go.

Garden projects, which were promising early, look sick this week.  Especially at 3 o’clock in the afternoon.  Zinnias and petunias extend a friendly greeting at the garden gate.  Children fortunate enough to have the garden below the pump have installed a system of ditches.  It takes a heap of hand pumping to water cucumbers 25 feet from the well.  The boy who disliked to exhibit his corn because he had not finished hoeing weeds felt better when he saw that other boys had weeds in the row too.  Girls in baking and clothing projects brought samples of their handiwork and formed a display at the picnic grounds.

The picnic supper and playtime were the climax of the tour.  As we observed these boys and girls playing together, comparing notes on projects we wondered if agriculture tomorrow might be in better hands than it is today.

Dolls lie neglected much of the time this summer.  Who wants to play with dolls when they can walk to the neighbors and watch the new baby?  It seems to childish minds that the baby sleeps most of the time.  They have learned the baby’s waking hours and visits are timed accordingly.  Now that the baby has a new swing the daily visit is imperative.

A grandmother remarks that these schedule babies may be all right but she is thankful her babies were raised before schedules became the thing.  When a young mother can cook for thrashers four days and baby not cry, some credit must go to the  baby’s routine and the mother’s good sense in establishing and adhering to the schedule.

Pity the child who cannot watch babies, pups, calves, pigs, chicks and colts grow.