Diary of a Network Geek

Your credit information has likely been stolen.

As you’ve probably read in the news, or heard on telly, Equifax, one of the three largest U.S. credit bureaus, was hacked earlier this month, exposing over 143 million American’s personal information. And, trust me, no matter how bad it sounds, it is most assuredly worse than you think. What’s more, it seems like this breach was strictly due to negligence on the part of one of their system administrators, who didn’t keep up to date with patches on some of their backend software, leaving them vulnerable to the attack. But, unless you’re a professional geek like me, you probably don’t care about that. Rather, what you care about is what to do next.

Luckily, Consumer Reports has some suggestions on how to respond to the breach of your personal data, and they’re pretty good suggestions. Thankfully, since my wife and I recently refinanced our house to get out of most of our consumer debt, I have some credit monitoring already in place. If you don’t though, now is a good time to get that going. And, as always, it’s best to keep a close eye on your credit reports and bank accounts regularly. Breach or no breach, that’s just a good habit to get into these days. Identity theft is big business in the digital underworld. It’s unfortunately a “growth business”.

But, none of those are the links I’m really intent on sharing with you this week. No, this week, the very important link I have for you is via Boing Boing and it’s a chatbot that will help you sue Equifax for your loss of privacy and personal data. It’s not available for all states yet, just the ones that have class-action lawsuits filed already, but I’m sure more states will be “piling on”, as we used to say in Chicago, in the coming months. Also, the app is being hit pretty hard, as you can imagine with almost 45% of all U.S. Citizens potentially being effected by this breach. There are a lot of people that might be trying to use this chatbot!

So, hang in there and good luck! And, come back next week for something a little lighter to take your mind off the financial trouble of almost half the U.S.

This post originally appeared on Use Your Words.

You know how I like free.

I started out the year talking big about stepping up my photography, but, honestly, between a new job, my wife’s business, and trying to refinance our house to get a better mortgage rate before they go up, I just haven’t done that. I still intend to, eventually. Honest.
In the mean time, however, I have been stacking up ebooks on photography in my queue. I always hope that if I can read enough about the art and science of photography, I’ll get motivated and get out with my camera more often. We’ll see how that goes, especially considering how backed up my reading queue is these days. At least, I didn’t spend a lot of money on my latest batch of photography books. And, if you’re looking for some free alternatives to inspire your own photographic I have good news for you, Project Gutenberg has hundreds of free, public-domain photography books digitized for you to load up on. They have everything from the really old developing and printing processes that photographers used to use to books of actual photography for raw inspiration.

In any case, they’re all free and, hopefully, interesting enough to get a fellow stuck photographer inspired enough to get going again.
Enjoy and we’ll see you next week!

This post originally appeared at Use Your Words.

Yes, I’m a little obsessed with money this month.

No, it’s not because I can’t pay my bills.  Rather, it’s about work.  Now, for the most part, I enjoy my work.  I find it challenging, but not too challenging, and interesting and the pay is pretty good.  Also?  I have a ten-minute commute.  Hard to beat that!  But, the reality is, at heart, I’m a lazy bastard.  If I could skate by without working another day in my life, I totally would do that.  For real.
The problem with that, of course, is paying all those bills.  So, how to do it?  What kind of money do I need to be able to tell the world to, essentially, and pardon my language, “Fuck off”.  (Yes, what I’m talking about is commonly referred to as “Fuck You Money”.)  So, what would that take?  I don’t need to live like a king, but, to not work, I will need to keep getting money somehow, like through investments.  But, the question is, how much will it take and what kind of investment do I have to make to keep it coming steadily enough to pay the bills?

Luckily, a smarter gentleman than I, Nilesh Trivedi, has posted an Excel spreadsheet that will help you calculate just how much you need to start with and how good your investment needs to be so that you never have to answer to another boss again.  Download that, and read his explanation, here: How Much Is Enough? : A Formula for FU Money.  (And, if  you’re like me, you’ll start by saving the money you might have spent on Microsoft Office and open that spreadsheet in LibreOffice instead!)

So, there’s a little something to think about while you wait for the weekend! Enjoy!

Advice from your Uncle Jim:
"When you handle yourself, use your head; when you handle other, use your heart."
   --Donna Reed