Identity theft is a serious crime. People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their good name and credit record. In the meantime, victims may lose job opportunities, be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.
Despite your best efforts to manage the flow of your personal information or to keep it to yourself, skilled identity thieves may use a variety of methods ? low- and hi-tech ? to gain access to your data. Here are some of the ways imposters can get your personal information and take over your identity.
How identity thieves get your personal information:
1.They steal wallets and purses containing your identification, credit cards and bank cards.
2.They steal your mail, including your bank and credit card statements, pre-approved credit offers, new checks, and tax information.
3.They complete a ?change of address form? to divert your mail to another location.
4.They rummage through your trash, or the trash of businesses for personal data in a practice known as ?dumpster diving?.
5.They fraudulently obtain your credit report by posing as a landlord, employer or someone else who may have a legitimate need for, and legal right to the information.
6.They find personal information in your home.
7.They use personal information you share on the Internet.
8.They scam you often through email by posing as legitimate companies or government agencies you do business with.
9.They get your information from the workplace in a practice known as ?business record theft? by: (1) stealing files out of offices where you're a customer, employee, patient, or student, (2) bribing an employee who has access to your files, or (3) ?hacking? into electronic files.
How identity thieves use your personal information:
1.They call your credit card issuer and pretending to be you ask to change the mailing address on your credit card account. The imposter then runs up charges on your account. Because your bills are being sent to the new address, it may take some time before you realize there's a problem.
2.They open a new credit card account, using your name, date of birth and SSN. When they use the credit card and don't pay the bills, the delinquent account is reported on your credit report.
3.They establish phone or wireless service in your name.
4.They open a bank account in your name and write bad checks on that account.
5.They file for bankruptcy under your name to avoid paying debts they've incurred under your name, or to avoid eviction.
6.They counterfeit checks or debit cards, and drain your bank account.
7.They buy cars by taking out auto loans in your name.
8.They give your name to the police during an arrest. If they're released from police custody, but don't show up for their court date, an arrest warrant is issued in your name.
Building A Better Spaceship
Whether you know it as a Beetle or a Bug, and whether your image of it is the classic version or the New Beetle introduced in the late 1990's, chances are that this is the car that you associate with the Volkswagen brand more than any other. Why shouldn't you? The cute, compact car is inexpensive, easy to maintain, and pretty versatile for such a small vehicle.
It is because of this combination of easy of maintenance and iconic styling that the classic VW Beetle has becoming one of the most popular cars to be customized. After all, it seems designed to accept personalizations, and everyone recognizes the basic lines of the car.
Most Beetle owners don't change much about the interior of the car. Some might add a sound system, generally a subwoofer and a few speakers, and after-market steering wheels are popular as well. In addition, racing enthusiasts, or race car drivers - Herbie isn't the only Bug ever to take a turn on a speedway, after all - go so far as to strip the interior and install bucket seats, race harnesses, and a roll cage.
The bulk of Beetle modifications, however, are cosmetic, and feature styles like the ?Cal Look,? a set of customizations that has existed for more than 30 years, albeit with some evolution over time. Generally, the first alteration is to lower the car's suspension and change the wheels. While period style EMPI 5- or 8-spoke rims are the most popular choices, other people favor Speedwell BRMs. Another change involves stripping the bumpers and trim, or replacing the bumpers with push bars, though sometimes the stock bumpers are retained and either polished, painted, or chromed.
Taking the ?Cal Look? a bit farther, there is the ?Resto Cal? look, which includes the addition of a roof rack, and possibly wing mirrors, stone guards, and mud flaps. Front indicator lenses, and tail lights are often changed as well. Even more personalized looks can be achieved by changing or removing door handles, or changing the hinging of the hood and trunk. While lowering the Beetle is a common modification, however, another equally common element of non-VW customizations, the use of tunneling (Frenching) head lights is not.
Aside from cosmetic changes, popular ways to modify a classic Beetle include engine mods. The standard engine is a flat-4, air-cooled engine in sizes from 1200-1600cc, but because most of the parts are merely bolted on, replacing them with larger or higher-performance pieces is relatively simple. The standard engine has been customized into configurations much larger than 2400 cc by adding piston/cylinder kits and turbochargers, Other enthusiasts have completely replaced the power plant, using a VW Type 4 2-liter flat-4 engine, a turbocharged Subaru flat 4, or even flat 6s as found in Chevy Corvairs or Porsche 911s. Other power upgrades include the use of dual carb systems, and stronger transmissions.
From cosmetic customizations to motor modifications, it's clear that even though the New Beetle is sporty, stylish, and popular, it's the classic Bug that is still in the hearts of auto enthusiasts everywhere.
Both A-1credit & Rob Parker are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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