YOUR PERSONAL DATA WILL BE HACKED! NOW LISTEN

I am a former data broker that spent 35 years manipulating and selling your personal data to junk mail companies. When I finally realized that the companies storing your private information and those using it were not listening to pleas for more security, I decided to get out of the business and write about it. I started The Dunning Letter in April of 2005 and blogged on privacy until December of 2010. In The Dunning Letter you will find a collection of useful information that will help you in protecting your data. Just do a "search" on your particular topic.

Identity theft, even in 2010, although causing million$ of losses then, has progressed today into a full-fledged business run by extremely well organized groups that have the best possible technology available behind them. Thus, the warning that you will be hacked. The culprits no longer concentrate on the source of your personal data--the warehouses of names and private information--but rather the companies this data is out-sourced to like Target, Home Depot and your financial institutions. It is there where additional info is added that makes your personal records valuable and marketable.

Once hijacked, it is on the black market in less than 24 hours. Overnight your credit card or debit card could be compromised without you knowing it. Unless your bank or credit card issuer is on the ball and stops the transaction. Or you keep daily track of the activity. Of course your liability is limited here but the hassle of issuing new cards is a real pain and is very time consuming. It is no longer a question of if, only a question of when. And please don't be one of those, "It probably won't happen to me." It will.

Here's what I do regularly:

• Check our bank accounts for any illegal debit charges or other strange activity
• At least once weekly check credit card accounts for abnormal activity
• Three times each year run a credit report with each credit bureau to insure there are no new accounts added in your name or other strange transactions

In the first two you can usually head off any serious credit repair by being vigilant. In the last, it will take some doing to get a malicious account off your records but either of the two organizations below will help you through the arduous process.

For the best information available on how to prevent identity theft and what to do if it happens, go to these two sites: Privacy Rights Clearinghouse and Identity Theft Resource Center.

Good luck!

DECLARED INDEPENDENT VOTERS DROPS IN THREE WEEKS

The Gallup Poll reports that Independent voters dropped from 47% in early September to 42% three weeks later. There was a similar drop in July/August. The question is whether they have made up their minds which way they will cast their ballots or is the glut of negative advertising just causing a seesaw effect? In another finding Gallup says Democrats, including their "leaners" total 48% compared to Republicans 44% in the same September period. Progressives will need Independents in November, but, then so will the GOP.

The iPhone is a circus

Apple Computer CEO Tim Cook, as did Steve Jobs before him, has proven repeatedly that the phrase credited to P.T. Barnum, but most likely spoken by David Hannum, was right: "There's a sucker born every minute."

Billionaires impel Social Democracy

Let's take a look at two recent stories on CNN. One, "The richest person in all 50 states," which lists Bill Gates from Washington at the top of the list followed by Warren Buffett from Nebraska. Conservative dirty money king, David Koch, is fourth. Gates comes in at $81.5 billion with the lowest from the state of Wyoming at $340 million.

The second story, "Over 48 million Americans live in poverty," which is self-explanatory by the title, sort of makes you wonder about the first story. "The official poverty line was $23,283 last year for a family of four," according to the article, which is defined by a conservative as "discouraging." Just discouraging? It looks more like a tragedy to me, and that still takes into consideration the philanthropy of these billionaires and millionaires.

I am not a socialist but to those 48 million souls in poverty, a Social Democracy might be very appealing.

DALLAS HOSPITAL EBOLA PROTOCOL

Is anyone checking into the charges of the Dallas Presbyterian Hospital nurses re. their claim that there was no Ebola protocol established? This is moving too fast to not get the facts into the open.

FORMER SEN. HOWARD BAKER ONE OF A KIND

Former Sen. Howard Baker

Howard Baker, a Tennessee Republican who was first elected to the Senate in 1966 and served as its leader from 1981 to 1985 has died. He was 88. It may be just another passing politician to many but to those who know politics, it was the last of the great negotiators from a Congress that has evolved into a bunch of incompetent do-nothing deadbeats. Their only concern is to get reelected, the country be damned. Baker got regularly elected over four decades because he worked for the people of Tennessee and the American public, not for himself. President Obama called him the "Great Conciliator" because he could walk across the aisle and make a deal. Others of the same ilk who come to mind are Lyndon Johnson and Everett Dirksen. But can you name one person in Congress today who would put his or her country before their job? I think not.

163 DEMOCRATS FIND BALLS ON GUN CONTROL

Almost, but not all of the Democrat House caucus signed a letter to Speaker John Boehner demanding that he move to pass gun control legislation. That leaves 36 gutless Dems that should be voted out of office in November. The Blaze confirms the failure of this issue in the past but thinks in 2014's midterm election the tide could turn and the democratic base could come out strong for gun control. President Obama has charged gun control advocates to become as well organized as the National Rifle Assn., which, through its official big mouth wacky Wayne LaPierre, spews lies and propaganda on a regular basis. Obama's 2013 bill to strengthen background checks failed in a Democrat controlled Senate. But as Richard Martinez, father of Santa Barbara shooting victim Christopher Michaels-Martinez said, "Not one more."