1. It’s probably OK, to provide the month and day you were born. However, providing the year you were born gives identity thieves a piece of key information for stealing your financial life. Couple that with the knowledge of your place of birth, and sometimes identity thieves can predict some of the numbers in your social security number, if not most or all.
2. Be wary of providing your home address. Ponemon Institute recently conducted a study, which found that social media users were at risk of identity theft because of information they were providing on their social sites. Others were actually putting themselves at physical risk. The study found that most contacts that had been accepted as “friends” were actually just acquaintances or people they knew – some only slightly.
3. If you want to talk or brag about your vacation or trips, wait until you return home. Telling the world that you’re going to be gone for two weeks cruising the Bahamas, or wherever, is telling thieves, “Come rob me.”
4. Passwords are another area that needs serious consideration. If you use the same password for just about every online activity you perform, you are at risk. If you are using your mother’s maiden name, or other predictable criteria, you’re making it easy for crooks to guess your passwords.
5. And, suggesting that passwords have 8 characters including a capital, doesn’t mean you should choose, “sneezy, sleepy, dopey, doc, happy, bashful, grumpy and sacramento” either.
6. One of the more important things to consider is what you decide to put out in cyberland, has the potential of being looked at by future or current employers, school admissions people, and other entities that may not think it is funny, that you love to party down and get drunk every weekend, or recreationally not inhaling the “funny stuff.”
For more tips check out: www.JustinCartier.com


Existing Home Sales rebounded last month after a lackluster July. New Home Sales data, by contrast, did not.
Mortgage markets improved last week as markets digested a bevy of data from the housing sector, plus the scheduled
Sales of existing homes in recovered in August, perhaps the result of a post-tax credit normalization.
The number of single-family Housing Starts rebounded in August,
Today, in its 7th meeting of the year, the Federal Open Market Committee voted 9-to-1 to leave the Fed Funds Rate unchanged.
The Federal Open Market Committee adjourns from its 6th scheduled meeting of the year today,