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	<title>Black Enterpriseprivacy &#187; Black Enterprise</title>
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		<title>Why Anyone Who Uses the Web Should be Concerned About SOPA</title>
		<link>http://www.blackenterprise.com/2012/01/11/concerned-about-sopa/</link>
		<comments>http://www.blackenterprise.com/2012/01/11/concerned-about-sopa/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 17:00:54 +0000</pubDate>
		<dc:creator>Hajj Flemings</dc:creator>
				<category><![CDATA[BE Next]]></category>
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		<category><![CDATA[SOPA]]></category>
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		<guid isPermaLink="false">http://www.blackenterprise.com/?p=178223</guid>
		<description><![CDATA[Web users beware of the Stop Online Piracy Act (SOPA) which will strip people worldwide&#8230;]]></description>
			<content:encoded><![CDATA[<div id="attachment_178229" class="wp-caption alignleft" style="width: 310px"><a rel="attachment wp-att-178229" href="http://www.blackenterprise.com/2012/01/11/concerned-about-sopa/censored-barcode-300x232/"><img class="size-full wp-image-178229" title="Censored-Barcode-300x232" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2012/01/Censored-Barcode-300x232.jpg" alt="" width="300" height="232" /></a><p class="wp-caption-text">(Image: ThinkStock)</p></div>
<p>How would you feel about the U.S. government policing the Internet?  Well, a new bill, <strong><a href="http://en.wikipedia.org/wiki/Stop_Online_Piracy_Act" target="_blank">Stop Online Piracy Act (SOPA)</a></strong> would allow them to control content on the World Wide Web as we know it today. There are major concerns with the application of this bill that run must deeper than just blocking Websites. Imagine for a moment what this type of censorship would mean: any content you post to Facebook, Twitter, YouTube, or any other social network or website could be blocked and become unsearchable on the Internet because of a single link.</p>
<p>The underlining issue of protecting intellectual property is a real problem, which is supposedly why the bill has been proposed. For content providers law enforcement to fight online trafficking and copyrighting infringements sounds like a noble and justifiable reason to pass the bill. But, the collateral damage of this bill’s passage would be so immense that it would far out weight the value that it would provide based upon how the bill is proposed today.</p>
<p><strong>The Impact of SOPA on Entrepreneurs</strong></p>
<p>Let’s look even deeper at this bill, which would be stifling to entrepreneurs, who are the lifeline of the economy. <strong><a href="http://www.booz.com/global/home/press/article/49953717?tid=39964387&amp;pg=all " target="_blank">Booz &amp; Co.</a> </strong>interviewed 200 prominent angel investors and venture capitalist about this bill and reported that 70% of them would be deterred from investing if anti-piracy regulations were passed. This would impact innovation and job creation in the U.S.  Think about the impact to Silicon Valley and other tech hubs, as well.</p>
<p><strong>What Would be the Long-Term Impact of SOPA? </strong></p>
<ul>
<li>There would be fewer startups launching because of the increase legal risk.</li>
<li>Social networks, personal pages and sites where people express themselves could become unsearchable and blocked on the Internet.</li>
<li>Email providers could be forced to censor emails to scan for links users send or receive.</li>
<li>Content you share in your social networks would be monitored and censored—this includes photos, videos and status updates.</li>
<li>Increased censorship would possibility remove legitimate content that you are sharing.</li>
<li>Payment-processing companies like <strong><a href="https://www.paypal.com/" target="_blank">PayPal</a></strong> could be forced to stop doing business with sites that have been blocked.</li>
<li>Most U.S.-based hosting services would relocate outside the U.S. jurisdiction, which would result in lost jobs.</li>
<li>Site owners would become liable for user-posted content, if they don’t do enough to stop users from posting “illegal” content on his/her site, which could become very costly.</li>
</ul>
<p><strong>Which Popular Sites Would be at Risk?</strong></p>
<ul>
<li>Facebook</li>
<li>Google</li>
<li>Twitter</li>
<li>YouTube</li>
<li>LinkedIn</li>
<li>Vimeo</li>
<li>And countless other websites and/or social networks</li>
</ul>
<p><strong>What Actions Can You Take? </strong></p>
<p>Send your Congressman a pre-written letter via the American Censorship website (<strong><a href="http://americancensorship.org/" target="_blank">click here</a></strong>).</p>
<p>Sign the ‘Stop the E-Parasite Act’ petition by <strong><a href="https://wwws.whitehouse.gov/petitions#!/petition/stop-e-parasite-act/SWBYXX55" target="_blank">clicking here</a></strong>.</p>
<p>Follow the Electronic Frontier on Twitter to stay posted on your digital civil liberalities <strong><a href="https://twitter.com/#!/eff" target="_blank">@EFF</a></strong>.</p>
<p>Check out the TechCrunch procedure list of over 40+ companies against SOPA by <strong><a href="http://techcrunch.com/2011/12/22/over-40-internet-companies-have-come-out-publicly-against-sopa/" target="_blank">clicking here</a></strong>.</p>
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		<title>Facebook Timeline Launches: 10 Things You Need to Know Now</title>
		<link>http://www.blackenterprise.com/2011/12/15/facebook-timeline-launches-10-things-you-need-to-know-now/</link>
		<comments>http://www.blackenterprise.com/2011/12/15/facebook-timeline-launches-10-things-you-need-to-know-now/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 20:00:34 +0000</pubDate>
		<dc:creator>Anslem Samuel</dc:creator>
				<category><![CDATA[How To]]></category>
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		<guid isPermaLink="false">http://www.blackenterprise.com/?p=175578</guid>
		<description><![CDATA[Here's how users can familiarize and prepare their Facebook Timeline pages for friends]]></description>
			<content:encoded><![CDATA[
<a href='http://www.blackenterprise.com/2011/12/15/facebook-timeline-launches-10-things-you-need-to-know-now/facebook-timeline-need-to-know-620x480/' title='Facebook-timeline-need-to-know-620x480'><img width="620" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/12/Facebook-timeline-need-to-know-620x480.jpg" class="attachment-large" alt="After months of beta testing, Facebook made their new Timeline layout available to the public today. Previously, only a select few users were able to upgrade to Facebook Timeline, which is a total redesign of the look, feel and interactivity of the social media platform. But what exactly makes Facebook Timeline different from all of the previous changes? For starters, it shifts the focus from merely in-the-moment status updates to a detailed overview of a user&#039;s entire life, raising the level of interconnectivity between users.
	As with any Facebook upgrade there are critics, who are concerned about privacy issues and the potential for identity theft. However, Facebook is providing users with a seven-day grace period to review and edit all their Timeline-accessible information. Click here to “get Timeline” now, but remember you’ll only have seven days to review your page before it goes live to &quot;friends&quot;. To help users adjust to the changes, Mashable listed 10 things you need to know about Facebook Timeline." title="Facebook-timeline-need-to-know-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/12/15/facebook-timeline-launches-10-things-you-need-to-know-now/facebook-timeline-content-620x480/' title='Facebook-Timeline-Content-620x480'><img width="620" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/12/Facebook-Timeline-Content-620x480.jpg" class="attachment-large" alt="How to View All Your Timeline Content

Facebook&#039;s mysterious algorithm decides which stories will showcase on your Timeline. However, it also includes half-hidden posts. Posts that are marked on your Timeline, but not displayed, are noted by a blue dot on the central line. You can view these posts by clicking on the individual blue dots. A quicker method is to click on the three blue dots underneath each year. This gives you the option to view all stories within that year." title="Facebook-Timeline-Content-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/12/15/facebook-timeline-launches-10-things-you-need-to-know-now/facebook-privacy-620x480/' title='Facebook-privacy-620x480'><img width="620" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/12/Facebook-privacy-620x480.jpg" class="attachment-large" alt="How to Hide Stuff From Your Timeline

Timeline gives friends the ability to view your entire Facebook history. For this reason, we imagine the first thing most people will want to do is to &quot;sanitize&quot; their Timeline. The good news is, it&#039;s simple to hide what you don&#039;t want showing. When you see a post you&#039;d like to nix, just hit the pencil icon at the top of the post and select &quot;Hide from Timeline.&quot; This doesn&#039;t delete the content from your account, but it will keep it safe from prying eyes." title="Facebook-privacy-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/12/15/facebook-timeline-launches-10-things-you-need-to-know-now/facebook-favorites-620x480/' title='Facebook-favorites-620x480'><img width="620" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/12/Facebook-favorites-620x480.jpg" class="attachment-large" alt="How to Customize Your Favorites Boxes

Next up is the ability to customize the boxes that appear under your new cover photo. The &quot;Friends&quot; and &quot;Photos&quot; boxes are fixed, but you can play around with the others. To edit the boxes, click on the small arrow icon on their right. All boxes that can be moved or removed will have a pencil edit icon appear as you hover. Hitting on the pencil brings up edit options to remove or swap boxes. To add a Facebook app, or one of the new social apps, click on the plus sign on an empty box." title="Facebook-favorites-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/12/15/facebook-timeline-launches-10-things-you-need-to-know-now/facebook-timeline-ender-620x480/' title='Facebook-timeline-ender-620x480'><img width="620" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/12/Facebook-timeline-ender-620x480.jpg" class="attachment-large" alt="Click here to continue reading at Mashable…" title="Facebook-timeline-ender-620x480" /></a>

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		<title>David Banner’s Thoughts On the #OccupyWallStreet Movement</title>
		<link>http://www.blackenterprise.com/2011/11/16/david-banner-on-occupy-wall-street-movement/</link>
		<comments>http://www.blackenterprise.com/2011/11/16/david-banner-on-occupy-wall-street-movement/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 15:00:19 +0000</pubDate>
		<dc:creator>David Banner</dc:creator>
				<category><![CDATA[Hot Topics]]></category>
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		<guid isPermaLink="false">http://www.blackenterprise.com/?p=171861</guid>
		<description><![CDATA[As the two-month anniversary of the Occupy Wall Street movement arrives, rapper/actor David Banner shares&#8230;]]></description>
			<content:encoded><![CDATA[<p><a rel="attachment wp-att-170149" href="http://www.blackenterprise.com/2011/11/02/how-to-start-a-movement-with-a-twitter-hashtag/occupy-wall-street-hashtag-300x232/"><img class="size-full wp-image-170149 alignleft" title="Occupy-Wall-Street-Hashtag-300x232" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/11/Occupy-Wall-Street-Hashtag-300x232.jpg" alt="" width="300" height="232" /></a>I want to be clear from the start, I do not profess to speak for the occupy movements. In my visits to both <strong>Occupy Wall Street</strong> and <strong>Occupy LA</strong> I played the role of participant/observer. I went to listen and learn—not to speak and be heard—and in my role as a student, my education was vast and profound. What follows are my thoughts on what I experienced.</p>
<p>To me, the occupy movements sweeping this nation represent the American version of the protests in Africa and the Arab world, collectively known as the <strong>Arab Spring</strong>. Many of us watched those historic uprisings in <strong>Tunisia</strong>, <strong>Egypt</strong>, and <strong>Bahrain</strong> and wondered if and when such a mass movement could ever be possible in America. The occupy movements occurring nationwide have answered such wonderment with a resounding “Yes,” and an emphatic “Now.”</p>
<p>While headed to my first protest, Occupy Wall Street, I wondered whom I would encounter? If I believed the sparse and antagonistic coverage by some of the media outlets out there, the only ones protesting were “hippies,” beatniks, uninformed youth and other fringe elements of society. While those elements can often be found at any large movement, when walking through the crowd at Occupy Wall Street I saw a cross-section of America. There were Blacks, Whites, young, old, employed, unemployed, democrats, republicans and representatives of various religious and ideological persuasions. There were even visits and showings of support by some who worked on Wall Street. It became clear that, despite attempts by some traditional media outlets to discredit the movement, Occupy Wall Street was a serious movement of and for the average American.</p>
<p>Some have argued that a major drawback of the occupy movement is the lack of official goals or demands. In my conversations with participants, I found a vast array of issues being protested, but even in the diversity of issues there was a common theme: the rich and powerful have unfairly eroded our rights, wrecked our economy and “foreclosed on our future.”</p>
<p>For example,</p>
<ul>
<li>Some were there protesting the fact that the average CEO pay rate is nearly <strong><a href="http://money.cnn.com/2011/04/19/news/economy/ceo_pay/index.htm" target="_blank">350 times</a></strong> more than the pay of average employees.</li>
<li>Some were protesting the ongoing erosion of <strong><a href="https://www.aclu.org/files/assets/acalltocourage.pdf" target="_blank">civil liberties</a></strong>.</li>
<li>Some were protesting the fact that, between 1979 and 2007, household incomes of the wealthiest Americans <strong><a href="http://cbo.gov/doc.cfm?index=12485" target="_blank">tripled</a></strong>, while the household incomes of average Americans stagnated and fell.</li>
<li>Some were protesting the rising <strong><a href="http://projects.washingtonpost.com/top-secret-america/" target="_blank">threats to privacy</a></strong> and the ubiquitous nature of the U.S. surveillance state.</li>
<li>Some were protesting the fact that, despite earning billions in profits and receiving billions in bailouts, 30 major U.S. corporations <strong><a href="http://www.ctj.org/corporatetaxdodgers/CorporateTaxDodgersReport.pdf" target="_blank">paid no income taxes</a></strong> for the last three years and another 280 corporations paid very little in taxes.</li>
<li>Still, others were protesting the <strong><a href="http://www.businessinsider.com/national-league-of-cities-revenue-collapse-2011-9 " target="_blank">debilitating fiscal austerity measures</a> </strong>being implemented in an increasing number of states.</li>
</ul>
<div id="attachment_167144" class="wp-caption alignright" style="width: 310px"><a rel="attachment wp-att-167144" href="http://www.blackenterprise.com/2011/10/14/david-banner-4-money-management-lessons/david-banner-300x232/"><img class="size-full wp-image-167144" title="David-Banner-300x232" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/10/David-Banner-300x232.jpg" alt="" width="300" height="232" /></a><p class="wp-caption-text">David Banner</p></div>
<p>In truth, there were as many issues being protested as there were protesters, but I soon realized that all of the issues voiced were relevant and <em>NEEDED</em> to be heard. But, to the critics I have a question(s); how does one put all of those valid concerns into a single document? How are all of those relevant issues crafted into cogent and well-argued talking points? Why would a movement based (in part) on expressing discontent with our corrupt political process be expected to draft legislation to send through that same corrupt process? Ultimately, the lack of an official set of demands reflects the long process of wading through the numerous issues plaguing this country. As a result, the current lack of demands highlights the failings of our society rather than the failings of the occupy movements.</p>
<p><strong><em><a href="http://www.blackenterprise.com/2011/11/16/david-banner-on-occupy-wall-street-movement/2/">Click here to continue reading…</a></em></strong></p>
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<div id="attachment_166157" class="wp-caption alignleft" style="width: 310px"><a rel="attachment wp-att-166157" href="http://www.blackenterprise.com/2011/10/06/watch-on-the-front-lines-of-occupy-wall-street/occupy-wall-street-300x232/"><img class="size-full wp-image-166157" title="occupy-wall-street" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/10/occupy-wall-street-300x232.jpg" alt="" width="300" height="232" /></a><p class="wp-caption-text">Wall Street protesters take to the streets of Manhattan&#39;s Financial District (Image: Janel Martinez)  </p></div>
<p>The people criticizing the “lack of demands&#8221; given by organizers and/or protestors, should also be mindful of the original purpose of Occupy Wall Street. I was told that the sole intent of the organizers was merely to show up in large numbers and be seen. Motivated by bailouts for millionaires, never-ending wars, massive home foreclosures and pervasive layoffs, the only goal of Occupy Wall Street was “protest via presence.” In light of the ever-growing numbers at <strong>Zuccotti Park</strong>, the spontaneous occupy movements that it spawned in over 100 U.S. cities and the additional 1,500 protest movements it has inspired globally, the original goal of Occupy Wall Street has indeed been achieved.</p>
<p>What has been particularly interesting are the responses of law enforcement to the mostly non-violent occupy movements. While Occupy L.A. has been relatively peaceful, the same cannot be said for the occupy movements in other cities. Footage from <strong>Occupy Oakland</strong> is hardly distinguishable from the footage of clashes between protestors and police in Tunisia or Egypt. Thanks to YouTube we’re able to watch the police attack on an <strong><a href="http://www.youtube.com/watch?v=So7Y1FK2BiE" target="_blank">Iraq War veteran</a></strong> and those coming to his aid; police <strong><a href="http://www.youtube.com/watch?v=TZ05rWx1pig" target="_blank">pepper-spraying</a></strong> unarmed women; and the unprovoked <strong><a href="http://www.youtube.com/watch?v=I0pX9LeE-g8" target="_blank">police shooting</a></strong> of a photographer complying with their commands.</p>
<p>Occupy Wall Street has seen several clashes between peaceful protesters and the <strong>NYPD</strong>. The forceful actions of the NYPD in service of Wall Street bring to mind the forgotten history of the U.S. labor movement. During this time corporations enlisted the use of the <strong>Pinkertons</strong>, the <strong>U.S. Army</strong> and the <strong>National Guard</strong> to control strikes and protests, often violently. Given this history, recent revelations of substantial <strong><a href="http://www.jpmorganchase.com/corporate/Home/article/ny-13.htm?TB_iframe=true&amp;height=485&amp;width=712" target="_blank">monetary contributions</a></strong> from <strong>JP Morgan Chase</strong> to the NYPD reminds many of the “good ole days” where these hired hands were used for strikebreaking. These “donations” also shed light on what many deem the excessive and adversarial posture taken by the NYPD toward the protesters.</p>
<p>What would be humorous, if they weren’t so troubling, are the creative methods cities are deploying to arrest protesters and otherwise end the occupy movements. By invoking <strong><a href="http://www.alternet.org/occupywallst/152743/12_most_absurd_laws_used_to_stifle_the_occupy_wall_st._movement_around_the_country?page=1" target="_blank">rarely used ordinances</a></strong> against everything from the use of umbrellas, to a 150 year old law banning the public wearing of masks, police seem to have left no stone unturned in their quest to curtail fundamental rights of assembly and free speech.</p>
<p>Police aren’t the only ones who seem to view themselves as adversaries of the occupy protesters. Politicians in general seem to, at best, tolerate the movement and, at worst, demonize citizens choosing to exercise their constitutional rights. Elected officials like House Majority Leader <strong>Eric Cantor</strong>, Republican Presidential candidates <strong>Herman Cain</strong>, <strong>Mitt Romney</strong> and <strong>Michelle Bachman</strong>, and Rep. <strong>Peter King</strong> are just a few of the politicians who have made hostile, crude and disparaging remarks about movement participants.</p>
<p>This should come as no surprise. Since the founding of our nation, politicians have deemed themselves separate and distinct from those they are entrusted to represent. Let us remember, it was none other than <strong>James Madison</strong>, the principle framer of our Constitution, who argued that the primary goal of government should be <em> “to protect the minority of the opulent against the majority.”</em> This adversarial view that pits those governing against those governed has remained intact since the very founding of our nation. This too is what is being protested at occupy movements all across America.</p>
<p>As I reflect back on my visits to Occupy Wall Street and Occupy L.A. I now recognize that I was in the midst of the rawest manifestation of democracy—dissent. Being well aware of the “un-patriotic” labels given to participants by detractors, I’ve come to believe that the opposite is true. By the time my visits to the occupy movements were over I not only understood that <em>“dissent is the highest form of patriotism,”</em> but also, as <strong>Mark Twain</strong>, wrote:</p>
<p style="padding-left: 30px;"><em>“In the beginning of a change, the patriot is a scarce man, and brave and hated and scorned. When his cause succeeds the timid join him, for then it costs nothing to be a patriot.”</em></p>
<p>As I see it, the occupy participants are indeed those brave, hated and scorned patriots at the forefront of change, their cause… to check the unrestrained opulence of the minority—the 1%.</p>
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		<item>
		<title>Protect Your Consumer Rights</title>
		<link>http://www.blackenterprise.com/2011/03/16/protect-your-consumer-rights/</link>
		<comments>http://www.blackenterprise.com/2011/03/16/protect-your-consumer-rights/#comments</comments>
		<pubDate>Wed, 16 Mar 2011 14:00:20 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Credit & Debt Management]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Photos]]></category>
		<category><![CDATA[consumer privacy]]></category>
		<category><![CDATA[credit repair scams]]></category>
		<category><![CDATA[grandparents scam]]></category>
		<category><![CDATA[National Consumer Protection Week]]></category>
		<category><![CDATA[privacy]]></category>
		<category><![CDATA[taxpayer advocate service]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=143418</guid>
		<description><![CDATA[Preserve your privacy, manage your finances and detect harmful frauds and scams]]></description>
			<content:encoded><![CDATA[
<a href='http://www.blackenterprise.com/2011/03/16/protect-your-consumer-rights/gavel-money-620x480/' title='gavel-money-620x480'><img width="620" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/03/gavel-money-620x480.jpg" class="attachment-large" alt="March 6 to 12 was National Consumer Protection Week, but it&#039;s important for you to protect yourself each and every day.  Doing so is key to making sure that your rights as a consumer are not violated and that your safety is preserved. Here are five tips to help you become a more empowered consumer, protect your privacy, manage your finances and detect harmful frauds and scams." title="gavel-money-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/03/16/protect-your-consumer-rights/irs-papers-620x480/' title='IRS-papers-620x480'><img width="460" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/03/IRS-papers-620x480.jpg" class="attachment-large" alt="Beware of tax relief companies claiming to be able to help you with back taxes. Often, these companies request an upfront fee (sometimes thousands of dollars) in exchange for them applying for an IRS hardship program that you may not even qualify for. Only the IRS can determine your eligibility and tell you if you should apply. Often, the companies don’t settle the debt or file the proper paperwork. Instead, contact the IRS Taxpayer Advocate Service for help. Remember: only and Enrolled Agent, CPA, or tax attorney has the authority to represent you before the IRS." title="IRS-papers-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/03/16/protect-your-consumer-rights/fraud-620x480/' title='Fraud-620x480'><img width="620" height="434" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/03/Fraud-620x480.jpg" class="attachment-large" alt="Be on the lookout for the “grandparents scam.” The most common form of this scam  happens when someone impersonating your grandchild asks for money because he or she got into some kind of accident. The “grandchild” concludes the call or email by asking you not to call his or her parents for fear of being punished. Despite the name, this scam occurs across all age ranges. The common theme is that someone impersonating one of your friends or family members asks you to wire money due to some accident. Before sending any money, thoroughly check out the person’s identity by asking questions only he or she would know." title="Fraud-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/03/16/protect-your-consumer-rights/mortgage-620x480/' title='Mortgage-620x480'><img width="546" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/03/Mortgage-620x480.jpg" class="attachment-large" alt="Know that when it comes to saving your home from foreclosure, under the Mortgage Assistance Relief Services Rule, it’s illegal for a company to collect any payments until you, the homeowner, have received and accepted an offer of relief from your lender." title="Mortgage-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/03/16/protect-your-consumer-rights/buy-620x480/' title='Buy-620x480'><img width="425" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/03/Buy-620x480.jpg" class="attachment-large" alt="If you’re skeptical of a product’s claims, go to ftc.gov/whocares for tips on how to detect deceptive product claims and whom to contact if you feel a product is not performing according to its statements." title="Buy-620x480" /></a>
<a href='http://www.blackenterprise.com/2011/03/16/protect-your-consumer-rights/credit-scam-620x480/' title='credit-scam-620x480'><img width="620" height="480" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2011/03/credit-scam-620x480.jpg" class="attachment-large" alt="Beware of credit repair scams. If a credit repair company tells you to apply for an Employee Identification Number to use instead of your Social Security Number so that you can form a new credit identity, walk away. It is a federal crime to misrepresent your Social Security Number, obtain an EIN from the Internal Revenue Service for the wrong purpose, or to lie on a loan or credit application." title="credit-scam-620x480" /></a>

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		<title>POLL: To Track or Not to Track? Do You Care Who&#8217;s Watching You?</title>
		<link>http://www.blackenterprise.com/2010/12/10/poll-to-track-or-not-to-track-do-you-care-whos-watchin/</link>
		<comments>http://www.blackenterprise.com/2010/12/10/poll-to-track-or-not-to-track-do-you-care-whos-watchin/#comments</comments>
		<pubDate>Fri, 10 Dec 2010 11:00:14 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[B.E. Exclusives]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bobby Rush]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[Internet privacy]]></category>
		<category><![CDATA[privacy]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=132648</guid>
		<description><![CDATA[If you could stop advertisers from tracking and sharing your internet habits would you?]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.blackenterprise.com/files/2010/12/shutterstock_64481200_sm.jpg"><img class="alignleft size-full wp-image-132655" title="shutterstock_64481200_sm" src="http://www.blackenterprise.com/files/2010/12/shutterstock_64481200_sm.jpg" alt="" width="280" height="204" /></a>The <a href="http://www.ftc.gov/opa/2010/12/privacyreport.shtm" target="_blank"><strong>Federal Trade Commission</strong></a> released a report last week recommending that Congress implement laws that would build privacy protections for consumers who are surfing the Internet. Every day as consumers jump from website to website, advertisers track their movement, interests, habits, purchases and much more by using information–laden <a href="http://en.wikipedia.org/wiki/HTTP_cookie" target="_blank"><strong>cookies</strong></a>, which are silently encrypted in the exchange of web URLs.</p>
<p>The FTC report, called <a href="http://www.ftc.gov/os/2010/12/101201privacyreport.pdf" target="_blank"><strong>“Protecting Consumer Privacy in an Era of Rapid Change: A Proposed Framework for Businesses and Policymakers”</strong></a>, says that a “Do Not Track” mechanism built into browsers could present consumers with a choice about what data of theirs is collected and shared.</p>
<p><a href="http://www.blackenterprise.com/small-business/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/"><strong>ALSO READ: Tech Insider: Five Tech Tools For Protecting Digital Data</strong></a></p>
<p>“The FTC wants to help ensure that the…information marketplace is built on a framework that promotes privacy, transparency, business innovation and consumer choice,” said FTC Chairman Jon Leibowitz. “We believe that’s what most Americans want as well.”</p>
<p>If made into law, such a mechanism could have a negative impact on revenue generated from advertising-supported content on the Internet, or it could “result in consumers receiving more unwanted advertising such as pop-up ads that are not targeted to a user&#8217;s interests,” testified Daniel Castro, senior analyst of the <a href="http://www.itif.org/publications/do-not-track-legislation-now-right-time" target="_blank"><strong>Information Technology and Innovation Foundation, </strong></a>at a House hearing on the subject.<a href="http://www.itif.org/publications/do-not-track-legislation-now-right-time" target="_blank"><strong> </strong></a>He also believes a do-not-track mandate would mean less free internet content and services.</p>
<p>Do-Not-Track is not a law yet, but <strong><a href="http://www.house.gov/apps/list/press/il01_rush/ctcphearing_101202.shtml" target="_blank">Bobby Rush</a></strong> (D-Ill), the Chairman for the House Subcommittee for Commerce, Trade and Consumer Protection, is weighing whether to include a do-not-track proposal in privacy legislation he plans to re-introduce in the 112th Congress.</p>
<p>The FTC is also <a href="https://ftcpublic.commentworks.com/ftc/consumerprivacyreport/" target="_blank"><strong>accepting public comments</strong></a> on the report until January 31, 2011, but <strong>BlackEnterprise.com</strong> wants to know what you think.<strong> Do you think it is an invasion of your privacy for company&#8217;s to collect your information or could you care less as long as you get the information you need?</strong></p>
<p><strong>Take Our Poll Below!</strong></p>
<p><script src="http://static.polldaddy.com/p/4211879.js" type="text/javascript"></script><br />
<noscript><br />
<a href="http://polldaddy.com/poll/4211879/">If there was a “Do-Not-Track” mechanism built in your browser would you click it?</a><span style="font-size:9px;"><a href="http://polldaddy.com/features-surveys/">Market Research</a></span><br />
</noscript></p>
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		<title>Tech Insider: Five Tech Tools for Protecting Digital Data</title>
		<link>http://www.blackenterprise.com/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/</link>
		<comments>http://www.blackenterprise.com/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 19:00:06 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Photos]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Carbonite]]></category>
		<category><![CDATA[Comcast]]></category>
		<category><![CDATA[digital security]]></category>
		<category><![CDATA[GotoMyPC]]></category>
		<category><![CDATA[Mozy]]></category>
		<category><![CDATA[password]]></category>
		<category><![CDATA[privacy]]></category>
		<category><![CDATA[Slideshow]]></category>
		<category><![CDATA[Tech Insider]]></category>
		<category><![CDATA[Tech tools]]></category>
		<category><![CDATA[Techwatch]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=113206</guid>
		<description><![CDATA[Keeping your data protected from corruption and your identity guarded from unauthorized use may require&#8230;]]></description>
			<content:encoded><![CDATA[
<a href='http://www.blackenterprise.com/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/computer_sneak_sm/' title='computer_sneak_sm'><img width="500" height="360" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2010/07/computer_sneak_sm.jpg" class="attachment-large" alt="This is the first installment of the Tech Insider. Each week we will investigate new technology tools that professionals and small business owners can use to increase productivity,  security, and stay innovative in this Web 2.0 world. These days business information is conducted, stored, and created online more than ever before. Some people go through great lengths to keep that data secure, doing everything from purchasing expensive anti virus software to avoiding the internet entirely, thereby missing out on innovative ways to stay competitive in a digital world. Keeping your data protected from corruption and your identity guarded from unauthorized use may require more common sense and less cryptic technology. Here are five things you need to do to decrease the likelihood that your proprietary business transactions won’t be violated." title="computer_sneak_sm" /></a>
<a href='http://www.blackenterprise.com/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/computer_chained_sm/' title='Computer_chained_sm'><img width="450" height="325" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2010/07/Computer_chained_sm.jpg" class="attachment-large" alt="Lock your computer – If you share a computer with coworkers, employees, or even family, you should lock your user profile whenever you walk away from the machine. Locking your computer will prevent others from accessing private data. Create a password for yourself in Microsoft Windows by visiting user accounts in the “control panel” and “system preferences” then Accounts on Apple computers. Later, simply press the ctrl, alt, delete keys to bring up the security screen when you are ready to lock the computer." title="Computer_chained_sm" /></a>
<a href='http://www.blackenterprise.com/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/password_sm/' title='password_sm'><img width="450" height="299" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2010/07/password_sm.jpg" class="attachment-large" alt="Protect your password – Every time you register on a Web site you are required to create a password. Do not use readily available biographical information as a password, says Cathy Avgiris, senior vice president and general manager of communications and data services at Comcast. In other words, avoid using your birth date, birth city, mother’s maiden name, or any information that can be found in public records. Also don’t use the same password everywhere. Not every site you visit, will actually keep your password safe, and once someone discovers it, all of your information is up for grabs." title="password_sm" /></a>
<a href='http://www.blackenterprise.com/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/storage_sm/' title='storage_sm'><img width="450" height="300" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2010/07/storage_sm.jpg" class="attachment-large" alt="Outsource your storage – Data loss can ruin a business and there are plenty of ways that it could happen. You can lose your flash drive, break or scratch a CD, or even just forget where it is saved on your hard drive. Consider saving your data in a cloud-based storage system like Mozy.com or Carbonite.com or remotely access your data using GoToMyPC.com. As long as you have an internet connection you can access your files from any place, including on your smart phone. In addition, you can tag your files with keywords so that they are easier to find." title="storage_sm" /></a>
<a href='http://www.blackenterprise.com/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/firewall_sm-2/' title='Firewall_sm'><img width="450" height="285" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2010/07/Firewall_sm1.jpg" class="attachment-large" alt="Update your Antivirus software and firewall - Firewalls and antivirus protection are very important tools to keep your computer clean from spyware, bots, and viruses. But you don’t always have to pay a huge amount of money for a good one. Some internet service providers, like Comcast, include firewall/antivirus protection for free. If yours doesn’t you can also look to the government for protection. The Open Information Security Foundation released an intrusion protection and prevention software, funded by the Department of Homeland Security." title="Firewall_sm" /></a>
<a href='http://www.blackenterprise.com/2010/07/26/tech-insider-five-tech-tools-for-protecting-digital-data/computer_trashed_sm/' title='Computer_trashed_sm'><img width="450" height="330" src="http://www.blackenterprise.com/wp-content/blogs.dir/1/files/2010/07/Computer_trashed_sm.jpg" class="attachment-large" alt="Erase your garbage - Before you trash your old computer erase your hard drive. Pressing delete, isn’t good enough, because the files are still there even if they aren’t readily visible to you. There are plenty of free or inexpensive software, like Boot and Nuke or Secure Erase, created by University of California in San Diego, which will help you completely wipe out all of your proprietary data. For more information visit: Better Business Bureau and Security Made Simpler, Comcast Security, TechWatch, Tech Tools for Entrepreneurs," title="Computer_trashed_sm" /></a>

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		<title>Protect Your Privacy</title>
		<link>http://www.blackenterprise.com/2010/03/19/protect-your-privacy/</link>
		<comments>http://www.blackenterprise.com/2010/03/19/protect-your-privacy/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 18:16:33 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[LinkedIn]]></category>
		<category><![CDATA[privacy]]></category>
		<category><![CDATA[Twitter]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70752</guid>
		<description><![CDATA[In this fast-paced, digital age, everyone is connected. Unfortunately, that makes it very easy for&#8230;]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.blackenterprise.com/files/2010/03/fingerprint.jpg"><img class="alignleft size-thumbnail wp-image-70821" src="http://www.blackenterprise.com/files/2010/03/fingerprint-100x150.jpg" alt="" width="100" height="150" /></a>In this fast-paced, digital age, everyone is connected. With the click of a mouse, you can find out almost anything you ever wanted to know about someone. Unfortunately, that makes it very easy for someone to gain access to personal information that you wouldn&#8217;t want anyone to see. And you might be unintentionally practicing behavior that makes you an easy target. But don’t feel bad; I’ve done some of these things myself. I’ll give you a list of three common mistakes that might be putting your privacy—and your safety—at risk.</p>
<p>1.  <strong>Using your home address for subscriptions.</strong> Some publications sell your home address to third-party marketers. And these addresses often get into the hands of people who run Websites that specialize in providing sensitive contact information. <strong><a href="http://www.ussearch.com/consumer/index.jsp" target="_blank">US Search</a></strong> is one of these sites. For as little as $1.95, anyone can go to this site and obtain your age, current address, all of your previous addresses, telephone number, and the names of your family members. They charge a fee of $10 to remove your information from their database. Instead of using your home address on subscriptions, rent a mailbox at a post office and use that address.</p>
<p>2. <strong>Not reading bank and credit card notices.</strong> Banks and credit card companies often mail out privacy notices. If you get one, don’t throw it away. Open it and read it carefully. These notices might contain information that could affect you and your family. I’m sure you already have too much personal information floating around out there. For example, last year, I received a notice from my bank asking if I wanted to opt out of its third-party marketing list. I immediately called and opted out.</p>
<p>3. <strong>Putting too much information on social media sites. <a href="http://www.facebook.com/" target="_blank">Facebook</a></strong> and <a href="http://www.linkedin.com/" target="_blank"><strong>LinkedIn</strong></a> are a great source for networking, but you shouldn’t reveal every personal detail about yourself. Take advantage of the privacy settings made available to you. For example, Facebook allows you to share personal information&#8211;such as your phone number&#8211;with your network of friends while blocking it from public view. Another tip: Don’t post your geographic location or your full address on your profile. This just makes it easier for you to be found by people you might not want contact with. You’d be amazed at the information people just give away. And, yes, I have seen someone post their full home address in a Facebook profile.</p>
<p>Be careful and guard your information with your life. Once you give your privacy away, it’s hard to get it back.</p>
<p><strong>Sheiresa Ngo is the Consumer Affairs editor at Black Enterprise.</strong></p>
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		<slash:comments>2</slash:comments>
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		<title>Understand Your Healthcare Privacy Rights</title>
		<link>http://www.blackenterprise.com/2009/10/08/understand-your-healthcare-privacy-rights/</link>
		<comments>http://www.blackenterprise.com/2009/10/08/understand-your-healthcare-privacy-rights/#comments</comments>
		<pubDate>Thu, 08 Oct 2009 15:10:02 +0000</pubDate>
		<dc:creator>Arlene McKanic</dc:creator>
				<category><![CDATA[Health & Wellness]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[privacy]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40755</guid>
		<description><![CDATA[When it comes to your medical records, privacy is probably one of your top concerns.&#8230;]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.blackenterprise.com/files/2009/10/shutterstock_22001284.jpg"><img class="alignleft size-medium wp-image-40857" src="http://www.blackenterprise.com/files/2009/10/shutterstock_22001284-300x225.jpg" alt="shutterstock_22001284" width="214" height="160" /></a>When it comes to your medical records, privacy is probably one of your top concerns. This is why the <a href="http://patients.about.com/od/obtainingrecords/a/hipaa.htm" target="_blank"><strong>Health Insurance Portability and Accountability Act</strong></a> (HIPAA) was passed by Congress in 1996.  HIPAA gives you the right to inspect and obtain a copy of your medical records. However, the document is dense and sometimes difficult to understand.  Luckily, there’s a solution.</p>
<p>The <a href="http://www.worldprivacyforum.org/" target="_blank"><strong>World Privacy Forum</strong></a>, a non-profit public interest research group focused on consumer education in the area of privacy, published A Patient’s Guide to HIPAA. The online guide, which is divided into 65 questions and answers, explains HIPAA in terms that are easy to understand.  The guide has four sections, which include an introduction to medical privacy and the seven basic patient rights in HIPAA.</p>
<p>The process of writing the guide was long. “It took over two years,” says Pam Dixon, executive director of the World Privacy Forum and one of the authors of the guide. “John Fanning, a former privacy advocate for the Department of Health and Human Services, and Robert Gellman, a privacy expert, wrote the first draft. Dr. Lewis Lorton, also a privacy expert, and I did a lot of editing. Then we did a lot of testing with consumers,” Dixon says. They worked at the guidelines until consumers could read and “have a prayer of understanding it,” Dixon says. “People have a lot of questions about forms they need, how they can get their records, and when their records are covered under HIPAA. The feedback has been incredibly positive.”</p>
<p>Under HIPAA you can get an account of disclosure at no charge in a twelve month year. There’s a nominal fee if you need the records more than once in a calendar year.  You should be able to get them within 30 days, or 60 days at the most.</p>
<p>If you mistakenly authorize a disclosure you have to put that fact in writing to all parties, but the best way is to simply tell your healthcare provider that you made a mistake, and you’d like to keep your records private.</p>
<p>But HIPAA is full of loopholes. There are many entities that can access your healthcare records. “HIPAA is not perfect at all,” Dixon says. “HIPAA allows so many uses and disclosures that you wouldn’t even believe it. But you still have to know about them.”</p>
<p>Dr. Cheryl Smith, medical director at Mount Morris Medical Center in New York, agrees that HIPAA is “somewhat helpful,” despite the shortcomings. “There are loopholes, but previously we didn’t have even this, so I think it is a good thing,” says Smith.  “There are things we need to tighten up. However, given the level of freedom that existed before, I think having the guidelines is really important.”</p>
<p>You can access <a href="http://www.worldprivacyforum.org/hipaa/guidecontents.html" target="_blank"><strong>A Patient’s Guide to HIPAA</strong></a> by visiting the World Privacy Forum <strong><a href="http://www.worldprivacyforum.org/" target="_blank">Website</a> </strong>and clicking on the section labeled “Patient’s Guide to HIPAA.”</p>
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