Identity theft scammers target innocent children

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March 24, 2024

MORE: POLICE URGE PARENTS TO TURN OFF APPLE IPHONE SETTING DANGEROUS TO KIDS

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More than ever, our financial identity is as essential as our physical one.

Although, alarmingly, a new trend has surfaced, preying on the most vulnerable and unlikely targets: children.

It may seem unlikely that identity thieves would focus on young kids, many of whom don’t even have an allowance.

However, the truth is very alarming. Crooks are making considerable sums of money by exploiting children’s identities, potentially derailing their financial future before it even begins.

A mother shows a daughter something on her laptop (Kurt “CyberGuy” Knutsson)

The tactics scammers use to exploit children’s information

Scammers deploy a variety of tactics to acquire sensitive information about minors. They may comb through social media, sift through data leaks, peruse public databases, directly interact with minors on digital forums or purchase data from the dark web.

TOP IDENTITY THEFT SCAMS TO AVOID

How children’s identities become criminals’ blank checks

Children’s identities are particularly appealing to criminals due to their clean financial slate. Armed with just a handful of personal details, these fraudsters can take over a child’s social media presence, divert mail, secure retail credit cards or gain access to financial resources by altering passwords — all under the radar of unsuspecting parents.

This form of identity theft can go undetected for years, only coming to light when young adults face rejected loan applications or denied benefits, a rude awakening to a problem they never knew existed.

A mother is on her laptop while her daughter plays nearby (Kurt “CyberGuy” Knutsson)

The tip of the Iceberg when it comes to child identity theft

The Federal Trade Commission (FTC) reported over 22,000 cases of identity theft involving individuals 19 and under in the last year alone. Yet, according to the FTC, this figure barely scratches the surface. The clandestine nature of these crimes, compounded by the reluctance or inability of victims to report them, suggests a much larger issue at play.

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A mother is on her laptop while her child is in her lap (Kurt “CyberGuy” Knutsson)

MORE: HOW STRESSED-OUT PARENTS ARE NOW NAVIGATING PARENTHOOD WITH CHATGPT

How to secure your child’s financial future by acting now

1. Freezing your child’s credit is a critical first step, effectively locking out potential fraudsters. This can be done as soon as a child receives a Social Security number, with no downside to preemptively safeguarding their financial identity.

2. Ask questions before sharing personal information. Be cautious about sharing your child’s Social Security number. Always ask why it’s needed, how it will be protected and if there’s an alternative identifier that can be used.

3. Secure personal documents. Keep documents with your child’s personal information, such as medical records or Social Security cards, in a locked file cabinet. Shred these documents before disposal.

4. Use an identity theft protection service. Identity Theft companies can monitor personal information like your child’s Social Security number, phone number and email address and alert you if it is being sold on the dark web or used to open an account. They can also assist you in freezing your child’s bank and credit card accounts to prevent further unauthorized use by criminals. See my tips and best picks on how to protect yourself from identity theft.

5. Install antivirus software. Ensure all devices used by your child have reputable antivirus software installed. This software can help protect your children from clicking malicious links that install malware that may get access to your private information. This can also alert you of any phishing emails or ransomware scams. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android & iOS devices.

Kurt’s key takeaways

It’s clear that the innocence of childhood is under threat in a way that was unimaginable just a generation ago. The digital age has brought with it a new breed of predators who, hidden behind screens, seek to exploit the most vulnerable among us — our children.

Ask Kurt a question or let us know what stories you’d like us to cover

Their tactics are sophisticated, their reach is global and their impact can be devastating. But there is hope. By taking proactive steps, we can shield our children from these financial predators and secure their future.

How prepared are you to protect your child’s financial future from identity theft? Let us know by writing us at Cyberguy.com/Contact

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter

Answers to the most asked CyberGuy questions:

How to change notification sounds on your Android

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March 24, 2024

CLICK TO GET KURT’S FREE CYBERGUY NEWSLETTER WITH SECURITY ALERTS, QUICK VIDEO TIPS, TECH REVIEWS AND EASY HOW-TO’S TO MAKE YOU SMARTER

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Ready for a clever trick that’ll keep you in the know without ever glancing at your Android screen?

It lets you know who’s sending you a notification or text alert without ever needing to look at your screen.

Android phone (Kurt “CyberGuy” Knutsson)

How to change general notification sounds

First, let’s change your phone’s general notification sounds. Here’s how to do it.

Settings may vary depending on your Android phone’s manufacturer

Go to Settings
Tap on Sounds and vibration
Here, you can change your Ringtone or Notification sound
Tap on any category you want to change and then select the sound you like

Steps to change general notification sounds on an Android. (Kurt “CyberGuy” Knutsson)

MORE: TOP ANDROID PHONES OF 2024

How to add specific sounds for specific conversations

Settings may vary depending on your Android phone’s manufacturer.

Go to the Messages app
Then tap the three dots in the top right
Click Settings
Tap Notification

Steps to change specific sounds for specific conversations (Kurt “CyberGuy” Knutsson)

MORE: BEST ACCESSORIES FOR YOUR ANDROID

Scroll down and tap Notifications categories
Here, you can select General notifications and New messages
Click Sound
Then click on the Notification sound you’d like

Steps to change specific sounds for specific conversations (Kurt “CyberGuy” Knutsson)

MORE: BEST AMAZON BIG SPRING SALE DEALS

How to change alert settings for a specific conversation

Settings may vary depending on your Android phone’s manufacturer

Now, alternatively, back at messages, you can select a specific conversation to change the alert for
Tap the conversation you want to customize
Then tap the three dots at the top right
Tap Notification sound
Then select the alert sound you want for that notification

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Steps to select a specific conversation to change the alert (Kurt “CyberGuy” Knutsson)

With these simple steps, you’ll know who’s trying to reach you just by the sound of the alert. It’s that easy and incredibly convenient. Give it a try, and never miss an important message again.

MORE: 5 THINGS YOU DIDN’T KNOW YOU CAN DO ON AN ANDROID

Kurt’s key takeaways

Imagine knowing it’s your best friend texting you about weekend plans or your colleague dropping in an urgent work message, all without taking your eyes off what you’re doing. It’s not just a trick; it’s a game-changer for managing your digital life with a bit more ease and personal flair.

Ask Kurt a question or let us know what stories you’d like us to cover

Looking ahead, what future features would you like to see for notification customization on your Android? Let us know by writing us at Cyberguy.com/Contact

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter

Answers to the most asked CyberGuy questions:

Sleep disorders and suicide: A mental health expert reveals the concerning link

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March 24, 2024

SUICIDE WARNING SIGNS ARE MISSED BY MOST AMERICANS, NEW SURVEY FINDS: IT’S ‘ALARMING’

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This story discusses suicide. If you or someone you know is having thoughts of suicide, please contact the Suicide & Crisis Lifeline at 988 or 1-800-273-TALK (8255).

We’ve all experienced the irritability that comes with a lack of shuteye — but an extended period of poor sleep health could lead to far more serious effects than that.

Some experts warn that people who have chronic sleep struggles are more likely to experience suicidal ideations.

Fox News Digital spoke with Taft Parsons III, M.D., vice president and chief psychiatric officer at CVS Health in Birmingham, Michigan, about this concerning link.

‘No single cause’

Research shows that 42% of Americans have shared concerns about their mental health, and 18% say they were plagued with suicidal thoughts at some point during this past year, according to Parsons.

Suicide is very complex with several intersecting risk factors, he noted.

Some experts warn that people who have chronic sleep struggles are more likely to experience suicidal ideations. (iStock)

“There is no single cause of suicide — it is a convergence of health factors, along with other psychosocial and environmental variables that can increase the chances someone may take their own life,” he told Fox News Digital.

These can include social and environmental factors, such as prolonged stress and legal and financial issues, he noted.

SUICIDE RATES REACH ALL-TIME HIGH IN US, PER CDC DATA

Past trauma and psychological health issues — like depression, substance use disorder and sleep — can also be factors.

“Some of these factors can be more challenging than others to address, but seeking help for sleep issues or disorders can be a step toward addressing one potential risk factor,” said Parsons.

Why do sleep issues increase the risk?

Inadequate sleep can negatively impact critical functions like decision-making, impulse control, problem-solving abilities, emotion regulation and resilience, Parsons noted.

“When a person is struggling with sleep deprivation, it can increase various adverse health outcomes, including heart disease and type 2 diabetes,” he said.

Inadequate sleep can negatively impact critical functions like decision-making, impulse control, problem-solving abilities, emotion regulation and resilience, an expert said. (iStock)

“It can also lead to increased depression and anxiety, both of which can play a significant role in suicide.”

Well-rested people are better equipped to face life’s challenges, effectively manage stress and maintain a positive mindset, according to the expert.

“Improved sleep can also reduce impulsivity and emotional dysregulation, both of which can be associated with suicidality,” he said.

Signs of sleep-induced suicidal tendencies

People who have suicidal ideations will often exhibit sudden changes in behavior, said Parsons.

Those can include new sleep issues such as insomnia or sleeping too much.

IMPROVE YOUR SLEEP BY OPTIMIZING 6 BIOMARKERS: ‘INTEGRAL TO HEALTH’

“Similarly, we view withdrawal from friends and family, reckless actions or increased use of substances as warning signs,” he told Fox News Digital.

“So, focusing on the sudden or uncharacteristic change in sleep is the critical factor, not necessarily the number of nights.”

People who have suicidal ideations will often exhibit sudden changes in behavior, said one expert. Those can include new sleep issues such as insomnia or sleeping too much. (iStock)

Recognizing common signs of sleep deficiency is crucial to stopping it from interfering with a person’s mental health, according to Parsons.

When people are sleep-deprived, they will often experience problems with concentration, memory, decision-making, problem-solving, and regulation of emotions and behavior, he pointed out.

“Focusing on the sudden or uncharacteristic change in sleep is the critical factor.”

“Individuals who are not well-rested, and may also have difficulty regulating their emotions, are at increased risk of poor decision-making and have a negative ability to cope effectively when faced with overwhelming stresses,” Parsons warned.

UNTREATED SLEEP APNEA PRESENTS ‘DISRUPTIVE’ DANGERS TO PEOPLE’S LIVES, INCLUDING HEART ISSUES, SAYS EXPERT

“If these problems come on suddenly, escalate or become recurring, they may indicate more serious or underlying issues and indicate a mental health issue.”

Experts recommend that adults get between seven and nine hours of sleep per night.

“Individuals who are not well-rested, and may also have difficulty regulating their emotions, are at increased risk of poor decision-making and have a negative ability to cope effectively when faced with overwhelming stresses.” (iStock)

Children and teens generally need more sleep than adults.

When to seek support

For those struggling with sleep challenges, experts recommend seeking treatment when they’re not able to manage the issue themselves.

“Many people unwittingly have habits that are detrimental to a good night’s sleep, and thus should start with a sleep hygiene program for several weeks,” Parsons suggested.

SLEEP DEPRIVATION DANGERS: HOW PULLING AN ALL-NIGHTER AFFECTS YOUR PHYSICAL AND MENTAL HEALTH

“If you notice someone is displaying warning signs of suicide, including sudden sleep issues, or other signs including mood changes or verbal cues, it is important to reach out, have an honest conversation, express concern, and help connect them to support,” he said.

“There are resources available to help prioritize well-being, no matter where on the spectrum of mental health someone may fall.”

Even if suicide turns out to not be a concern, the person may still feel comforted, supported and relieved by someone taking the time to connect and listen, Parsons noted.

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It’s not necessary for people to wait until they’re in crisis to reach out for support, he emphasized.

“There are resources available to help prioritize well-being, no matter where on the spectrum of mental health someone may fall,” he said.

For more Health articles, visit www.foxnews/health.

“The earlier someone connects to support and resources, the sooner they can feel better and increase their overall resilience.”

If someone is exhibiting signs of suicide ideation, it is crucial the person gets help immediately by calling or texting 988 to reach the 988 Suicide and Crisis Lifeline.

Florida woman arrested for allegedly kidnapping neighbor’s 2-year-old, refusing to return her

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March 24, 2024

FLORIDA MAN CALLS AMERICAN AIRLINES PASSENGERS ‘BLUE-EYED WHITE DEVILS,’ THREATENS TO ‘TAKE THIS PLANE DOWN’

A Florida woman is accused of kidnapping her neighbor’s child and locking herself and the child inside her apartment, according to officials.

Kim Keeling, 52, is charged with kidnapping and interference with custody of a child, the Okaloosa County Sheriff’s Office said.

The incident began on Friday at about 11:20 a.m. when Keeling grabbed her neighbor’s two-year-old child, locked herself and the child inside her apartment and refused to return the child, the neighbor told deputies.

Kim Keeling, 52, is charged with kidnapping and interference with custody of a child. (Okaloosa County Sheriff’s Office)

The neighbor, who is the child’s mother, broke a window in an attempt to reach her daughter.

When a deputy arrived at the scene, Keeling ignored his demands to return the child.

The deputy, concerned for the child’s safety, climbed through the broken window and located the woman in her living room, holding the child and a rolling pin.

FLORIDA MOTHER CHARGED AFTER DAY CARE STAFF FIND GUN INSIDE HER 2-YEAR-OLD’S LUNCHBOX

Kim Keeling is accused of kidnapping her neighbor’s child and locking herself and the child inside her apartment. (Okaloosa County Sheriff’s Office)

Keeling was then arrested for the kidnapping. She is being held in Okaloosa County Jail without bond.

The child was unharmed in the incident, according to the sheriff’s office.

Keeling told deputies she took the toddler away from the mother because she was attempting to protect the child from falling down the outdoor stairs.

Coinvance Sends Shockwaves Throughout The Crypto Sector With The Launch of Their Next-Gen Crypto Asset Management Platform

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March 24, 2024

Cryptocurrencies have today become an established investment tool among major financial institutions. But crypto is much more than Bitcoin. Investors get bigger gains plus cross-border liquidity when they hold crypto directly instead of just having exposure through an ETF.

Sheridan, Wyoming, March 24, 2024, Solo Investing in cryptocurrencies is not suitable for beginners. The world of cryptocurrencies has undergone significant changes since the emergence of Bitcoin more than ten years ago. It is a rapidly evolving investment platform. While it is true that some individuals have achieved great wealth through cryptocurrency investments, it is also true that many people have suffered substantial financial losses, either due to falling victim to scams or a lack of understanding about cryptocurrencies.

Working with a company like Coinvance just makes a lot of sense. They have a unique approach where their success is tied to their clients’ success. Their team of experienced crypto investment professionals can save both new and seasoned investors from the hassle of going through the learning curve on their own. Trust me, it can be expensive to do it the hard way without any guidance.

If investors are looking to invest directly in Bitcoin and other cryptocurrencies, Coinvance is the expert they need. They provide secure storage, professional management, and asset protection for crypto investments. It’s the smart and convenient way to dive into the world of cryptocurrencies.

Security & Privacy: They provide fully insured cold storage of the crypto & asset protection through their Wyoming LLC, where investors get 100% anonymity.
Multi-Currency Accounts: Invest in Bitcoin, Ethereum and hundreds of cryptocurrencies and ERC20 tokens. Consult with them to find out which currencies are hot.
Blockchain Smart Contracts: The first thing to know about blockchain smart contracts is they’re not contracts, smart, nor necessarily on a blockchain.
Easy Transfers: They will transfer your crypto fast and easy to any wallet or exchange that one may wish to use at any time.
Legal Ownership: They store your crypto, but you maintain 100% legal ownership of the portfolio. They hold the keys, but the investor controls their security phrases.
Recurring Investments: Invest in crypto slowly over time by scheduling monthly buys with their monthly plan. This allows members to safely build their crypto portfolio over time.

At a recent press event, a Coinvance Spokesperson made these comments, “Coinvance is your Digital Investment Expert that offers insured crypto storage and Asset Protection through cryptocurrencies with full privacy. We store all crypto assets offline in fully insured cold storage. Your keys will only come out short periods of time during transfers and transactions.”

“You’ll always keep legal ownership of your crypto and portfolio. Even though we hold your keys, only you will have control over the security phrases for your crypto. This means that legally, we can’t take control of your assets, which will be safeguarded even in the event of our bankruptcy.”

“We understand that investors seek value, which is why we say: Crypto, not EFT. Cryptocurrencies offer so much more than just Bitcoin, with greater potential for gains beyond BTC. Plus, holding crypto directly provides greater liquidity and asset protection. You can transfer it anywhere in the world within seconds.”

They understand the significance of privacy in safeguarding assets. That’s why, as a private cryptocurrency investment firm and custodian, they offer comprehensive crypto management and secure cold storage that prioritizes privacy. By entrusting them with one’s assets, you can rest assured that they will grow discreetly, while their expert management team ensures their complete protection.

Coinvance accomplishes this through the utilization of a Wyoming LLC, which boasts the strongest privacy safeguards in the United States. Even with the implementation of the new Corporate Transparency Act, upholding privacy would require a court order.

For a limited time, Coinvance is inviting crypto enthusiasts to register for a no-cost consultation.

For complete information, visit: https://coinvance.co/

Media Contact:

Coinvance LLC
Attn: Media Relations
Sheridan, WY
647.963.7543
rene@coinvance.co

Japan’s Kitaya Rumi Continues Her Ascent To The Top of The Global Aesthetic Scene

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March 24, 2024

Japan is quickly becoming the “Go-To” destination for top-notch affordable aesthetic services. People from near and far have been discovering Kitaya Rumi and her celebrated LuNa Salon in Japan.

Osaka, Japan, March 24, 2024, Japan has emerged as the go-to destination for those seeking affordable aesthetic and cosmetic procedures. With its advanced technology and renowned expertise in the field, Japan offers a wide range of procedures at competitive prices. One of the key contributors to Japan’s popularity is Kitaya Rumi, the talented beauty entrepreneur behind the celebrated LuNa Salon. Her commitment to providing high-quality services at affordable rates has attracted people from all over the world to experience Japan’s exceptional cosmetic industry. From skincare treatments to non-invasive surgeries, Japan has positioned itself as a global leader in the realm of affordable aesthetic enhancements.

Whether seeking facial rejuvenation, body contouring, or skin treatments, Kitaya Rumi and her team at LuNa Salon are dedicated to providing top-notch services with a personalized touch. Experience the magic of Kitaya Rumi’s expertise and discover the beauty secrets that have made Japan a global hub for affordable aesthetic solutions. With the current depreciation of the yen against the USD/JPY, American travelers can enjoy the finest esthetic treatments with the finest Japanese techniques and refinement.

With its reputation for quality and affordability, Japan has become a major player in the industry. One shining example is Kitaya Rumi and her renowned LuNa Salon, which has gained worldwide recognition. People from all over the globe flock to Japan to take advantage of the competitive prices offered by these skilled professionals. When comparing the cost of procedures between Japan and the USA, the difference is staggering. Japan provides a more budget-friendly option for those seeking aesthetic enhancements without compromising on quality.

With Japan’s reputation for excellence in beauty and skincare, it comes as no surprise that the country has become a major hub for those looking to enhance their appearance. LuNa Salon proudly stands out by providing top-notch services at prices that are accessible to everyone. Whether it’s skincare treatments, hair styling, or rejuvenating spa experiences, LuNa Salon has established itself as the gateway to affordable aesthetic services in Japan.

Americans can go to Japan for sightseeing and experience Japan’s excellent beauty techniques at one-tenth the price.

For complete information, visit: https://x.gd/IrkzH

LuNa Salon
Attn: Media Relation
201, President Joto, 3-2-2 Imafukunishi,
Joto-ku, Osaka-shi,
Osaka, Japan +81 6-6167-5388
lunaesthe@gmail.com

Rep. Cammack concerned about AI’s impact on 2024 election: ‘Critical issue’

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March 24, 2024

AI WEAPON DETECTION COMPANY SEEKS TO PREVENT SCHOOL, OTHER SHOOTINGS: ‘A PROACTIVE MEASURE’

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House Speaker Mike Johnson and Democratic House Minority Leader Hakeem Jeffries announced the establishment of a bipartisan Artificial Intelligence Task Force in February.

The task force’s members, including Florida Republican Kat Cammack, have already had a few organizational meetings and met with AI leaders to discuss, among other topics, November’s election.

“This is a critical issue that is going to really have an impact in every aspect of our lives, from here moving forward into the future,” Cammack told Fox News Digital.

“I think [members are] pretty much on the same page as far as we recognize both the challenges but also the opportunities that come with AI. … Folks on the task force have a very pragmatic, forward-thinking, optimistic view of AI. But we are not blind to the fact that there are challenges”

Former President Trump and President Biden (Elijah Nouvelage/AFP via Getty Images | Brendan Smialowski/AFP via Getty Images)

Cammack says one of the immediate concerns of the task force is the impact AI will have in the 2024 election .

AI image tools generate election disinformation 41% of the time, and AI tools generate images promoting voting disinformation 59% of the time, according to a recent report published by the Center for Countering Digital Hate.

WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

Cammack says the task force is “looking [to identify] some of the challenges that people are opening with AI-generated content, disclaimers [about] what that will mean in terms of deepfakes, how do we authenticate and watermark AI-generated content, images, videos, etc.”

The challenges of AI and the 2024 elections are ethical. (Getty Images)

SPEAKER JOHNSON MEETS WITH OPENAI CEO, SAYS CONGRESS ‘NEEDS TO PLAY’ ROLE IN ARTIFICIAL INTELLIGENCE

The Center for Countering Digital Hate report found examples of image disinformation, such as a photo of President Biden sick in a hospital bed and a photo of former President Trump sitting in a jail cell.

Tech giant Meta requires paid users to disclose when potentially misleading AI-generated or altered content is featured in political, electoral or social issue ads.

“You’ll have all these discussions about [how content] should be watermarked. … We’ve already seen where AI can take off a watermark on an AI-generated product. That’s just a Band-Aid,” Cammack said. “We need to get to the root solution and establish a protocol in place that will prevent mass confusion.”

Cammack says she and her team are working on a framework that would allow for a blockchain authentication model to exist.

Facebook’s Meta logo on a smartpone (Reuters/Dado Ruvic/Illustration)

“I see blockchain as a future mechanism to help authenticate material, and that will be really important for candidates and for legislators in such a rapid environment. Having your photos, your videos, all of your content authenticated with a very secure technology like blockchain, that will be very, very important,” she said.

The Florida Republican said the task force should be wary of the overregulation of artificial intelligence, saying her focus will be to protect access in the marketplace for some of the smaller players and ensure there is no bias.

“The worst thing government can do is stamp out innovation through overregulation. My hope is to really address some of the language model challenges on the front end to make sure that we’re weeding out bias. We’re not inherently pushing answers to fit a political agenda,” she said.

This Italian town is struggling to sell off its empty homes for one euro. Here’s why

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March 24, 2024

Italy’s one-euro-home sales have been attracting a lot of interest over the past few years, with dozens opting to snap up abandoned properties in some of the country’s depopulated towns.

But while towns like Mussomeli in Sicily and Zungoli in Campania have managed to offload various abandoned dwellings to foreigners longing to live the Italian dream, some have struggled to sell their empty homes.

Among them is Patrica, a remote medieval village of barely 3,000 residents located south of Rome, where more than 40 properties deserted in the early 1900s have been left to rot.

Perched on a rocky plateau overlooking the Sacco valley in central Italy, Patrica is an idyllic spot, but life here wasn’t easy for locals in the past.

Abandoned homes

Many left in search of a brighter future elsewhere, leaving their homes empty for decades.

In an attempt to breathe new life into the dying village, the town’s mayor Lucio Fiordaliso has been trying to emulate the success of other Italian villages who’ve put their empty homes up for sale for one euro, or just over a dollar. He’s so far had little success.

“We first mapped all abandoned houses and made an official call out to the original owners to invite them to hand over their dilapidated family properties, but we managed to sell just two homes for one euro,” Fiordaliso tells CNN.

While local authorities in towns left underpopulated due to earthquakes and other natural calamities have the jurisdiction to put abandoned homes up for sale without permission from the owners, this isn’t the case for Patrica and other towns like it.

“We first need the availability of owners, or their heirs, in disposing of their old houses,” says Fiordaliso.

“Only then can we place these properties up for sale with their consent, which makes the process very complicated. Almost impossible.”

Fiordaliso explains that the town received a “positive response” from 10 owners after sending out a “public call to involve them in our one-euro-homes project,” but they withdrew at the last minute. The rest never replied.

Public call

Many of the town's local families left in search of a brighter future elsewhere, leaving their homes empty for decades. - Comune di Patrica — Many of the town’s local families left in search of a brighter future elsewhere, leaving their homes empty for decades. – Comune di Patrica

Fiordaliso feels that those who changed their minds may have done so because of issues with other relatives who owned shares of the same property.

Abandoned buildings in old Italian towns are sometimes split between multiple heirs who own just a section – like a bathroom, balcony, kitchen – and nothing can be sold without written consent from all heirs, as per Italian law.

In the past, it was customary for children to inherit parts of their family home, including patches of land, wells and orchards.

But it’s not always a guarantee that relatives will still be on good terms and/or in contact years down the line.

“The disposal of potential one euro homes faced a deadlock as most relatives sharing the same property were at odds with one another for personal reasons or couldn’t agree on the sale, some hardly spoke or knew each other, others lived in distant cities and even abroad,” says the mayor.

In some instances, homes were never officially split between heirs in the past, so the ownership line had broken along the way without a clear indication as to who should be the current owner.

According to Fiordaliso, tracking down the descendants of owners who’d long migrated overseas, mainly to the US, Canada and Argentina and perhaps had different last names, or may have passed on their Italian property to foreigners without notifying Patrica’s town hall, has been a very hard task.

“It’s like looking for a needle in a haystack,” he adds.

The only two abandoned homes that Patrica managed to sell as part of its one-euro scheme were fully owned by two locals, so no liaising with fourth-degree cousins or great-great-grandsons was required, and they could sell the properties without any complications.

Family ties

The remote medieval village has a population of around 3,000. - Comune di Patrica — The remote medieval village has a population of around 3,000. – Comune di Patrica

In situations where family feuds are at play, relatives could choose not to sell their share due to legal issues tied to inheritance disputes, or even as a form of revenge.

And original owners who’ve been living elsewhere for many years may be wary of making themselves known to local authorities and potentially being hit with back taxes for their property and waste disposal charges of up to 2,500 euros (around $2,730 per year, plus unpaid utility bills

Another reason that the one euro scheme never really kicked off in Patrica could be due to the condition of its forsaken homes.

Some of the houses are simply too neglected to sell, even if the owners were willing to agree to it.

Patrica local Gianni Valleco and his two brothers decided to place their parents’ abandoned home on the market to see what would happen, but soon found that the house was far from desirable.

“We thought, ‘Why not give it a go’? Even if it’s just for one euro, we’d be rid of a heap of useless stones. We were curious to see if someone might be interested anyway in buying it,” says Valleco.

“We were aware that after half a century our parents’ home had turned into rubble, it was totally destroyed, like razed to the ground.

“The roof and most walls had collapsed, leaving an open-air room covered in grass and bushes. All there remained was a patch of land, an ugly garden right in the heart of the historical center.”

According to Valleco, a neighbor had been using what remained of the home to dump their old stuff.

“We then realized nobody would ever buy it,” he says. “It’s a bad investment requiring lots of money to rebuild the house. It’s more worth buying a tiny rural cottage in the surroundings.”

Thankfully, not all of the deserted homes in Patrica that could be potentially sold for one euro are in quite such a terrible state, and some have garnered interest from potential buyers.

“A few foreigners came to see the abandoned one-euro dwellings. There was lots of interest but unfortunately we had nothing to offer them,” says the mayor, adding that those interested were from the US and Europe.

In the meantime, Fiordaliso has been coming up with new ways to boost the town’s appeal in the hope of luring newcomers.

New scheme

The town hall recently funded the makeover of the external façades of some ancient palazzos, prompting several locals to entirely restyle their old family homes and put them to use after decades of neglect.

Local resident Alessandra Pagliarosi took things a step further by turning the 1950s mansion inherited by her husband into an elegant B&B called Patricia.

“We redid the roof, which was practically no longer there, and the interior. The mayor’s move finally gave us a good excuse to fully renovate the property which had been sitting there uselessly,” says Pagliarosi, who benefited from the new tax breaks introduced by the town hall to revive the local economy.

Those who decide to kickstart a commercial activity like an B&B or artisan boutique in the ancient district are exempt from paying taxes on waste disposal, advertisement and public space use for 10 years and granted tax credits for restructuring costs.

“For a small B&B, that would amount to a total of roughly 1,200 euros (around $1,310) per year in tax savings, which is a significant amount of money,” says Pagliarosi.

Foreigners planning to relocate to Patrica and launch a small business are also entitled to the tax benefits.

So far, two new B&Bs and one restaurant have opened up as a result.

Local realtor Ilario Grossi, who runs Immobil Lepini estate agency, located in the nearby town of Ceccano, says several American descendants of emigrant families recently visited Patrica to look at properties.

But the town’s ready-to-occupy homes, with two-bedroom properties starting at 20,000 euros ($21,832,) proved to be more appealing.

“There is interest, but then when many (foreigners) actually see the bad shape of the old homes they’d prefer to opt for turn-key apartments that are already restyled or in need of just minor fixes,” says Grossi.

“So it’s much more convenient to buy one of these newer ones than grab an old building in need of a major renovation, where the final cost would end up being much higher.”

Despite these challenges, Fiordaliso hasn’t given up on selling some of the town’s long neglected homes, even if it means having to negotiate between warring relatives.

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US warning to Americans about imminent attack in Moscow proves prophetic

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March 24, 2024

WHAT IS ISIS-K, THE TERRORIST GROUP TIED TO MOSCOW CONCERT HALL ATTACK AND 2021 ABBEY GATE BOMBING?

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Two weeks before Friday’s attack on a large concert hall in Russia on the outskirts of Moscow that has left more than 130 dead, the U.S. embassy sent out a warning to Americans to “avoid large gatherings,” including concerts, because of “imminent plans” for an attack by “extremists.”

“The Embassy is monitoring reports that extremists have imminent plans to target large gatherings in Moscow, to include concerts, and U.S. citizens should be advised to avoid large gatherings over the next 48 hours,” stated the March 7 alert.

The Islamic State group (ISIS) claimed responsibility for Friday’s attack, which the U.S. has confirmed, despite Russian officials trying to point blame at Ukraine.

Russian President Vladimir Putin dismissed the U.S. warnings as “blackmail” just days before the attack.

A Russian Rosguardia National Guard servicemen secures an area as a massive blaze seen over the Crocus City Hall on the western edge of Moscow, Russia, Friday, after ISIS terrorists burst into the hall and fired automatic weapons at the crowd. (AP Photo)

Just three days before the attack, Putin said, “All this resembles outright blackmail and the intention to intimidate and destabilize our society,” calling the warnings “provocative,” according to Russian news agency TASS.

The State Department confirmed to Fox News that U.S. intelligence had information about a planned terrorist attack in Moscow, which prompted the agency to issue a public advisory to U.S. citizens in Russia.

The U.S. government also shared this information with Russian authorities in accordance with its longstanding “duty to warn” policy.

RUSSIA CONCERT HALL GOES UP IN FLAMES AFTER ATTACK INVESTIGATED AS TERRORISM

On Saturday, U.S. Secretary of State Antony Blinken put out a statement saying, “The United States strongly condemns (Friday’s) deadly terrorist attack in Moscow. We send our deepest condolences to the families and loved ones of those killed and all affected by this heinous crime. We condemn terrorism in all its forms and stand in solidarity with the people of Russia in grieving the loss of life from this horrific event.”

Also on Saturday, Putin addressed the nation in a televised broadcast, slamming the massacre as “a bloody, barbaric terrorist act.” He declared Sun., March 24, a day of mourning.

Putin said that additional security measures have been put in place throughout the country following the attack – the deadliest in over 20 years.

“All four direct perpetrators of the terrorist attack, all those who shot and killed people, were found and detained,” Putin said. “They tried to hide and moved towards Ukraine, where, according to preliminary data, a window was prepared for them from the Ukrainian side to cross the state border,” suggesting there may have been a Ukrainian link to the bloodbath.

Ukrainian President Volodymyr Zelenskyy has denied any involvement by his nation.

The surprise attack began when gunmen donning combat gear burst into Crocus City Hall, where concertgoers were gathering to hear the Russian band Picnic. Video online showed gunmen opening fire, shooting attendees at close range and setting off smoke bombs.

A view of the Crocus City Hall burned after an attack is seen on the western edge of Moscow, Russia, Saturday. (AP Photo/Vitaly Smolnikov)

The gunmen also threw explosives inside the concert hall during the attack, rocking the building and setting it on fire, Russian media reported. People were being evacuated, but some remained trapped inside the burning building, Russian media noted.

SOCCER MATCH BETWEEN RUSSIA AND PARAGUAY CANCELED IN AFTERMATH OF MOSCOW-AREA CONCERT HALL ATTACK

The roof of the theater collapsed in the early hours of Saturday morning as firefighters spent hours fighting the flames. Russians laid flowers at memorials and lined up to give blood.

Putin said that the Federal Security Service (FSB) of Russia and other law enforcement agencies are working to identify the entire terrorist support base.

“Those who provided them with transport, planned escape routes from the crime scene, prepared caches, caches of weapons and ammunition,” Putin said. “It is already obvious that we are faced not just with a carefully and cynically planned terrorist attack, but with the organized mass murder of peaceful, defenseless people. The criminals were cold-blooded and purposefully going to kill, shoot our citizens at point-blank range — our children.”

The intelligence community said it believes the ISIS affiliate in Afghanistan called Islamic State Khorasan, or “ISIS-K” as it is known, carried out the attack, a U.S. official told Fox News.

It is the same terrorist group that killed 13 American service members at Abbey Gate during the hasty U.S. withdrawal from Afghanistan in 2021.

Fox News’ Michael Dorgan and Lucas Y. Tomlinson contributed to this report.

What to do if your bank account is hacked

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March 23, 2024

CLICK TO GET KURT’S FREE CYBERGUY NEWSLETTER WITH SECURITY ALERTS, QUICK VIDEO TIPS, TECH REVIEWS AND EASY HOW-TO’S TO MAKE YOU SMARTER

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One of the most vulnerable moments in life is feeling like your bank account has been hacked. Then, realizing that it is actually compromised is definitely a heart-sinking moment. Unfortunately, hacking is a harsh reality of our digital age, so know you are not alone.

While it can cause you to feel a wave of negative emotions, there are steps you can take immediately following the discovery to regain control of your account or prevent it from spiraling further out of control.

Below are seven tell-tale signs that your bank account has been hacked, six next steps you can take if it happens to you, and 10 ways to prevent it from happening again or in the first place.

A woman is stressed by a hack attack. (Kurt “CyberGuy” Knutsson)

Signs your bank account has likely been hacked

While it is important to verify that your financial institution or someone you share your account with made no error, below are some of the common signs that your bank account has been hacked.

1. Deactivated card

You swipe or tap your debit card to make a purchase when the cashier at the store notifies you that your card has been declined. After several more attempts with the same card, you realize that something is genuinely amiss. If your bank account has been hacked, hackers could have closed your card and requested a new one.

2. Account lockout

You try to log into your bank’s app on your phone or go home and try to log into your account, only to find out your password has changed without your knowledge. Hackers who gain access to your bank accounts tend to change passwords first, so they can run havoc on your account without your intervention.

3. Funds dry out

Anticipating a larger-than-normal bill from the gas company, you log into your bank account to be greeted with a $0 balance. You refresh the page of your bank statement several times, thinking this is a technical error. Yet the balance remains $0 or, at worst, negative (overdrawn) — this means your bank account was likely hacked.

4. Hijacked communications

Your monthly statement usually arrives like clockwork, but it stops coming altogether. At first, you think this is a post office error, but all your other bills and documents arrive in a timely fashion. If your bank statements and other documentation stop arriving, it is likely that hackers could have changed the contact information on your account.

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5. Unauthorized account activity

Your balance has been pretty level, so you haven’t been checking your transactions, but you go to check if a particular payment has cleared, only to notice some strange withdrawals and transfers. They were in more benign increments of $20s here and there to bigger amounts toward the end of the month. If you notice unusual transactions, you were likely hacked.

6. Strange activity notification from the bank

You wake up to several notifications from your bank about strange activities on your account. Whether it is multiple failed attempts to log into your bank account or suspicious transactions, you realize that you did not make those attempts or purchases. If so, your bank account might have been hacked.

7. Sudden account closure or freeze

When you notice that you’re not able to log into your bank account, you usually give your bank a call only to be told your account has been closed without your knowledge or consent. This, too, can be a sign that your bank account has been hacked.

Woman stressed out by banking fraud. ( Kurt “CyberGuy” Knutsson)

MORE: THIS IS HOW TO PROTECT YOUR CREDIT AND BANK CARDS FROM GETTING HACKED

Action steps to take if your bank account has been hacked

While panic seems to be the most obvious reaction to your bank account being hacked, the exact opposite response, coupled with some of the action steps below, will put you on a better track. While the situation may feel overwhelming, it is important to take action steps in a timely manner, as some financial institutions have time parameters for recovering funds.

1. Call your bank directly. Use the number on the back of your bank card or on your bank statements to speak with a representative directly regarding your concerns. Depending on the level of concern, you may be redirected to the Fraud department.

2. If the hacker has only gotten ahold of your bank card, most banks and credit card companies allow you to deactivate or even freeze a card until you can secure your account. This way, no further transactions will be made with your missing card or stolen card number. Some banks allow you to freeze or deactivate your online account.

3. If you suspect hackers are trying to breach your account through numerous online login attempts, log in from a secure, virus- and malware-free device and change your password immediately. Also, make sure the email account associated with the potentially compromised bank account hasn’t been hacked. In addition, consider using a password manager to generate and store complex passwords.

4. Contact the three main credit bureaus to freeze your credit. This will prevent anyone, including hackers, from wreaking havoc on your credit. Make sure to report any errors on your credit reports with the credit agencies as well.

5. File a report with the local authorities as well as the Federal Trade Commission.

6. To have the best chance at recovering stolen or lost funds, you should dispute them within 60 days, usually starting from the time the unauthorized charge or withdrawal shows up on your statement. Some banks require a physical letter, while others have an online dispute process.

Illustration of security on a smartphone. (Kurt “CyberGuy” Knutsson)

MORE: HOW TO FIGHT BACK AGAINST DEBIT CARD HACKERS WHO ARE AFTER YOUR MONEY

How to prevent your bank account from being hacked

Below are 10 ways to prevent your bank account from being hacked again or in the first place:

1. Switch to paperless statements to prevent mail theft — it limits the number of ways people can access sensitive information.

2. Use strong and unique passwords. Don’t reuse passwords across different accounts. Aim for complex combinations of upper and lowercase letters, numbers and symbols. Consider using a password manager to help you create and store strong passwords securely. Consider using a password manager to generate and store complex passwords.

3. Enable two-factor authentication. Two-factor authentication adds an extra layer of security by requiring a second verification code, typically sent to your phone or generated by an app, in addition to your password.

4. Review your bank statements regularly, so you can notice any unusual activities quickly.

5. Turn on alerts and notifications that your bank provides — you can set them for transactions over a specific amount, or if your balance drops under a certain amount.

TV HOST ANDY COHEN SWINDLED IN COSTLY BANK SCAM: HOW TO AVOID BECOMING A VICTIM YOURSELF

6. Request your annual credit report and keep abreast of your report, so you can dispute any errors quickly.

7. Keep track of your credit score, so that any changes to your score can alert you of suspicious activities — some credit card companies provide it for free.

8. Beware of phishing scams. Don’t click on links or attachments in suspicious emails, even if they appear to be from your bank. Never enter your login credentials on websites you reach through email links. Always access your bank’s website directly by typing the address in your browser or using a trusted bookmark.

9. Install and run antivirus software, so that hackers are less likely to access your bank account. The best way to protect yourself from clicking malicious links that install malware that may get access to your private information is to have antivirus protection installed on all your devices. This can also alert you of any phishing emails or ransomware scams. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android & iOS devices.

10. Use identity theft protection services to monitor your accounts regularly and assist you if they are compromised. Identity Theft companies can monitor personal information like your Social Security Number (SSN), phone number and email address and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.

One of the best parts of using some services is that they might include identity theft insurance of up to $1 million to cover losses and legal fees and a white glove fraud resolution team where a U.S.-based case manager helps you recover any losses. See my tips and best picks on how to protect yourself from identity theft.

MORE: HOW THIS NEW BANKING TROJAN CAN STEAL YOUR FINANCIAL INFORMATION

Kurt’s key takeaways

Experiencing any of the “tell-tale” signs of having your bank account hacked is gut-wrenching, but there are action steps you can take to regain control as well as prevent future victimization. Staying aware of your accounts and transactions is as important as using the prevention tools and services that are available to you.

How comfortable do you feel with online banking security? What additional security measures do you think banks could implement? Let us know by writing us at Cyberguy.com/Contact

Ask Kurt a question or let us know what stories you’d like us to cover.

For more of my tech tips & security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter

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