Newspaper Archive of
N. Warren Town and County News
Norwalk, Iowa
January 10, 2019     N. Warren Town and County News
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January 10, 2019

Newspaper Archive of N. Warren Town and County News produced by SmallTownPapers, Inc.
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Page Six N/Warren Town and County News Thursday, January 10, 2019 Identity Theft Update: Resolve to Protect Your Privacy in 2019 It's New Year's resolution time again. You may be planning to lose weight, get in shape, or firm up your finances. But here's one resolution we should all follow - to better protect our privacy in 2019! Resolving to do a better job protecting your privacy will not show up when you get on the scale, but the hidden benefits can be enormous. For example, who wouldn't want to avoid becoming a victim of identity theft? By following the simple steps below, you'll be much less likely to fall victim to an identity thief. Resolve to: Read every monthly credit card and financial account statement like a hawk. Make sure every charge or withdrawal is legitimate. Immediately contact your credit card issuer or financial institution if you find any errors. Get your free annual credit report from each of the credit reporting agencies: TransUnion, Equifax, and Experian. Spread them throughout the year. For example, get your first free report from one of the companies in January, from another company in May, and from the third in September. Go to: AnnualCreditReport com, the only truly free online source of credit reports. Hang up on phone calls asking for personal information such as a Social Security or Medicare number, or a credit card number. Also, don't fall for official sounding names. Government agencies, real businesses, family members and friends will never call "out of the blue" and ask for your personal information. Be on guard against scares that ask you to wire money somewhere or to buy a gift card or loadable debit card and share the password. The caller may claim to be a relative or friend in immediate need of money. Don't believe it! This is a very common scam. Be very cautious if you receive unexpected e-mails from friends, fellow employees, or even your boss asking you to open an attachment. Scam artists use this trick to embed spyware in your computer's hard drive. They then use the spyware to steal personal information, such as financial account passwords. Use better passwords and change them regularly. Make your passwords long and complex. Use a combination of upper and lower-case letters, plus numbers and symbols. Don't use the same passwords for multiple accounts. If multi-factor security is available, use it. Don't choose a parent's name before marriage as part of the multi-factor security because scam artists can easily find that information in public records. Reduce credit card solicitations by opting out of prescreened credit offers. Go to: https:// www.optoutprescreen.com/ Finally, if you become a victim of identity theft, visit our website, IowaIDTheft.org, for advice on "- what to do to avoid future problems and recover from the scam. Troy Ohnemus 515-202-1805 It PAYS To Advertise Are you looking for a great way to promote your business or organization? Try advertising in our Business Directory on the back page of our paper. The cost is only $3.50 per week with a minimum six month commitment. We also offer boxed ads, classified ads, and inserts with no time commitment You can also add your name to our full page monthly ads. Our newspaper is distributed to over 1,600 people and businesses throughout Norwalk and the surrounding area each week. This is a great, effective way to get your name out! Call us, email us, or stop in today to get started New Year, No Debt: Tips to Manage and Pay Down Your Debt Faster Millions of Americans are struggling to overcome personal debts, which can have a ripple effect in many other facets of their lives. From meeting monthly bills to dream vacations to homeownership, debt can stall many life goals. "Credit card debt and student loans plague people from all walks of life," said Michael Sullivan, a personal finance consultant with Take Charge America, a national nonprofit credit counseling and debt management agency. "It's easy to find excuses for tackling the debt, or to simply live in denial. However, the sooner the debt is dealt with, the better A structured plan of attack and professional assistance can potentially save thousands of dollars in the long run." If you're among the determined individuals who aim to overcome their debt in 2018, there are numerous options and resources you can take advantage of. Sullivan suggests the following: Create a Budget & Plan: Budgets are essential - no matter your debt level. To start, track all of your income and expenses for one month. Use that information to categorize all of your expenses, including debt payments. You'll likely be surprised to find many areas where you can cut expenses and shift the funds toward paying down debt faster. Get a Second Gig: In today's "gig economy," it's easy to pick up a second gig on your own schedule. Ride services, food delivery and even errand services make it easy and convenient to make an extra buck to put toward debt. Consider a Balance Transfer: It could be advantageous to transfer a balance from a high interest credit card to one with a lower interest rate. However, first see if any fees could offset the benefit, and determine whether you can pay off the balance before any lower promotional rates end. Negotiate with Your Creditors: A lower interest rate could help you pay down your debt faster. You can call your credit card company and ask for a lower rate if you have a positive credit history. Be prepared to state your case. Perhaps you have been a loyal customer, or a competitive creditor is offering lower rates? Talk to a Nonprofit Credit Counselor: If you need help creating a budget and plan to pay off debt, a nonprofit credit counselor can help - for free. Confidential credit counseling sessions can be completed online or over the phone. According to your budget and individual life circumstances, you will be presented with the best options for getting out of debt, and you will gain tools and knowledge to create financial independence. Reevaluate Your Student Loan Repayment Plan: When was the last time you reviewed your student loan repayment plan? As your life circumstances shift, your plan may too. Maybe you need an income-driven plan, or perhaps it's better to consolidate multiple loans. A student loan counselor can help you decide what's ideal. For more information on getting out of debt, call (888) 822-9193 or visit www.takechargeamerica.org. New construction Driveways Sidewalks Tear out & replacement Commercial & Residential (515) 240-3523 marlin@concrete-pg.com Warren County Sheriff's Report This information was obtained directly from the Warren County Sheriff's Office. Disclaimer: All defendants are innocent until proven guilty in a court of law. December 26th Greenfield Township - harassment. Disorderly conduct investigation in Warren County. On 12-30- 2018, Katie Mills, Warren County, was arrested on a State of Iowa arrest warrant. Martensdale - theft report. Jiffy Express in Martensdale reported a theft. December 30th Greenfield Township - traffic stop. Victor Emmanuel Trinidad Baltazar, 23, Perry, was arrested for OWI 1st offense ACCIDENTS December 27th 17:48, State 5/Iowa 5: Austin Roberts, Des Moines, was traveling northbound in the 24000 BLK of Hwy 5. Roberts struck a deer and pulled over to the north shoulder. Carrie Hoch, Knoxville, saw Roberts pulled over on the shoulder and went into the left lane. Hoch hit the deer that Roberts had hit and the vehicle turned sideways. Hoch's vehicle struck the rear of Roberts' vehicle at the driver's side door. Roberts was pushed ahead and Hoch's vehicle came to rest on the north shoulder. 18:30, S023/Hwy $23. Kent Sorenson, Milo, was traveling southbound on $23 HWY just north of Lowe St. Deer enters roadway from west ditch area and Sorenson strikes deer causing disabling damage to the front passenger area of his vehicle. Sorenson spins in roadway and comes to rest on east shoulder of $23 facing northbound. No injuries reported. Sorenson arranged for private tow. January 2nd 15:00, 50th Ave: Casey Bright, Norwalk, was west on 50th and lost control due to ice on roadway going into ditch and overturning. NFPA Encourages Prompt Removal of Christmas Trees If you're still having trouble parting with your Christmas tree, here's a fact to motivate you: One- third (33 percent) of U.S. home fires that begin with Christmas trees occur in January. With this potential fire hazard in mind, the National Fire Protection Association (NFPA) strongly encourages everyone to remove Christmas trees from their homes promptly after the holiday season "Christmas trees are combustible items that become increasingly flammable as they continue to dry out," said Lorraine Carli, NFPA's vice president of Outreach and Advocacy. "The longer you keep one in your home, the more of a fire hazard it becomes." NFPA statistics show that Christmas tree fires are not common, but when they do occur, they're much more likely to be serious. On annual average, one of every 45 reported home fires that began with a Christmas tree resulted in a death, compared to one death per 139 total reported home structure fires All Christmas trees can burn, but a dried out tree can become engulfed in flames in a matter of seconds," said Carli. "In recent years, we've seen tragic incidents where Christmas tree fires have resulted in deadly consequences for multiple family members, including young children." NFPA recommends using the local community's recycling program for tree disposal, if possible; trees should not be put in the garage or left outside. The association also offers these tips for safely removing lighting and decorations and storing them properly to ensure that they're in good condition the following season: Use the gripping area on the plug when unplugging electrical decorations. Never pull the cord to unplug any device from an electrical outlet, as this can harm the wire and insulation of the cord, increasing the risk for shock or electrical fire. As you pack up light strings, inspect each line for damage, throwing out any sets that have loose connections, broken sockets or cracked or bare wires. Wrap each set of lights and put them in individual plastic bags, or wrap them around a piece of cardboard. Store electrical decorations in a dry place away from children and pets where they will not be damaged by water or dampness. For more information, visit www.nfpa.org.