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You Can Sue Telemarketers!

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You Can Sue Telemarketers!
telemarketer

    Since I started working from home, the occurrence of my day being interrupted by unwanted calls has increased dramatically. I dread answering the house phone because I am certain half of the calls are telemarketers.

    But did you know you can turn that daily nuisance into a paycheck?

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    André-Tascha Lammé was granted a judgment of $3,500 last month, and he’s making a living out of it.

    Lammé started getting pelted with calls from mortgage brokers last year, just as his adjustable rate mortgage was about to reset. Like many consumers, he quickly reached the boiling point over the frequent interruptions. But unlike many consumers, the computer programmer took the time to educate himself – perhaps owing to the spirit of his grandmother, a lawyer for several decades – and quickly discovered the Telephone Consumer Protection Act.

    “It specifically deals with unwanted calls,” he said. “For each violation, there is a $500 penalty.” Who gets that money? The call recipient. Lammé read on and found he didn’t have to hire a high-priced attorney to pursue the penalty fees – he could file the case himself.

    And thanks to technology and the ‘internet’ you can file the cases online!

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    “It only took me five or 10 minutes to file,” he says. “No more than a half-hour total.”
    In two prior cases, Lammé didn’t even have to go to court. Two other companies settled with him for about $2,500 after he filed his case.

    But don’t go filing suits against your telephone company, or anyone you have signed a contract with – you probably signed away your right to sue them.

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    The key is to file under the Telephone Consumer Protection Act, which Congress states penalties should award the consumer.

    Lammé is so keen on his new job he want you to get in on the act too. He’s set up a website to ‘combat’ the telemarketing companies and put some cash in your hand.

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    How To Sue Telemarketers – [KillTheCalls] Via [MSNBC]

    More by this author

    Craig Childs

    Craig is an editor and web developer who writes about happiness and motivation at Lifehack

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    Last Updated on November 25, 2021

    Protecting Your Online Life With Secure Passwords

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    Protecting Your Online Life With Secure Passwords

    With all of the recent online services and companies falling under attack to hackers in the past few months, it seems only fitting to talk about password creation and management. There are a lot of resources out there discussing this, but it never hurts to revisit this topic time and again because of its importance.

    Password management isn’t necessarily a difficult thing to do, yet it does seem like a bit of an annoyance to most people. When it comes to password management, you will hear the famous line, “I don’t really care about changing my passwords regularly. I have nothing important online anyways.” Let’s see if you have nothing important online when your PayPal account gets taken over because you thought the password “password” was good enough.

    In my opinion, it is an “internet user’s” responsibility to make sure that they keep secure passwords and update them on a regular basis. In this article we will discuss how to make your online presence more secure and keep it secure.

    The easy fundamentals

    First thing is first; creating a strong password.

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    A strong password is a mixture of alpha-numeric characters and symbols, has a good length (hopefully 15 characters or longer), and doesn’t necessarily represent some word or phrase. If the service you are signing up for doesn’t allow passwords over a certain length, like 8 characters, always use the maximum length.

    Here are some examples of strong passwords:
    * i1?,2,2\1′(:-%Y
    * ZQ5t0466VC44PmJ
    * mp]K{ dCFKVplGe]PBm1mKdinLSOoa (30 characters)

    And not so good examples
    * sammy1234
    * password123
    * christopher

    You can check out PC Tools Password Generator here. This is a great way to make up some very strong passwords. Of course the more random passwords are harder to remember, but that is where password management comes into play.

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    Managing your passwords

    I know some people that keep their passwords in an unencrypted text file. That’s not a good idea. I suppose that if you aren’t doing much online and are decent at avoiding viruses and such, it could be OK, but I would never recommend it.

    So, where do you keep your strong passwords for all the services that you visit on a daily basis?

    There are a ton of password safes out there including KeePass, RoboForm, Passpack, Password Safe, LastPass, and 1Password. If and when I recommend any of these I always count on LastPass and 1Password.

    Both LastPass and 1Password offer different entry types for online services logins (PayPal, Twitter, Facebook, Gmail, etc.), credit cards and bank accounts, online identities, and other types of sensitive information. Both have excellent reviews and only differ in a few subtle ways. One of the ways that is more notable is that LastPass keeps your encrypted password Vault online where 1Password allows you to keep it locally or shared through Dropbox. Either way, you are the holder of the encryption keys and both ways are very secure.

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    LastPass and 1Password both offer cross-platform support as well as support for Android and iOS (LastPass even has BlackBerry support). 1Password is a little pricey ($39.99 for either Windows or Mac) where LastPass has free options as well as premium upgrades that allow for mobile syncing.

    Upkeep

    You should probably change your passwords for your “important” accounts at least every 6 weeks. When I say “important” accounts I am referring to ones that you just couldn’t imagine losing access to. For me that would be Gmail, PayPal, eBay, Amazon, all my FTP accounts and hosting accounts, Namecheap, etc. Basically these include any account where financial information could be lost or accessed as well as accounts that could be totally screwed up (like my webserver).

    There is no hard and fast rule to how often you should change your passwords, but 6 to 8 weeks should be pretty good.

    Alternatives

    You may think that all of this is just too much to manage on a daily basis. I will admit it is kind of annoying to have to change your passwords and use a password manager on a daily basis. For those people out there that don’t want to go through all of the hub-bub of super-secure, encrypted, password management, here are a few tips to keep you safe:

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    1. Create a unique and hard to guess “base password” and then a pattern to use for each site you logon onto. For instance a base password could be “Ih2BaSwAa” (this stands for “I have two brothers and sisters who are annoying”). Then you would add something “site specific” to the end of it. For Twitter Ih2BaSwAaTWTTR, Facebook Ih2BaSwAaFCBK, etc. This is sort of unsecure, but probably more secure than 99% of the passwords out there.
    2. Don’t write your passwords down in public places. If you want to keep track of passwords on something written, keep it on you at least. The problem is that if you get your wallet stolen you are still out of luck.
    3. Don’t use the same passwords for every service. I’m not even going to explain this; just don’t do it.

    These are just a few things that can be done rather than keeping your passwords in a management system. Personally, with over 100 entries in my password management system, I couldn’t even dream of doing any other way. But those out there with only a few passwords, having a simpler system may be beneficial.

    So, if you want to be a “responsible internet citizen” or you just don’t want to lose your precious account data, then creating and maintaining strong passwords for your online accounts is a must.

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