About:Nancy J. Cohen

Website: https://nancyjcohen.com Profile Nancy J. Cohen writes the Bad Hair Day Mysteries featuring South Florida hairstylist Marla Vail. Titles in this series have been named Best Cozy Mystery by Suspense Magazine, won a Readers' Favorite gold medal, placed first in the Chanticleer Book Awards and third in the Arizona Literary Awards. Nancy’s instructional guide, Writing the Cozy Mystery, was nominated for an Agatha Award. A featured speaker at libraries, conferences, and community events, she is listed in Contemporary Authors, Poets & Writers, and Who's Who in U.S. Writers, Editors, & Poets. When not busy writing, she enjoys fine dining, cruising, visiting Disney World, and shopping.

Posts by Nancy J. Cohen :

Playing Tourist in Florida

Happy Easter to my friends who celebrate the holiday! As with any celebration, it’s a day to relax and enjoy your family and friends. In our busy lives, it’s not so easy to take a day off. I like to take walks and enjoy visiting parks when the weather is suitable.

We were lucky to be in Naples, FL during perfect weather to tour the Naples Botanical Garden. We’ve seen many of the other attractions in the area, but this was a first time here. After paying the $12.95 admission fee at the ticket booth inside the gift shop, we emerged onto the garden path. Different ecological areas are nestled among the 170 acres. Created in 1993 by a group of inspired Naples residents, the garden boasts seven habitats, 2.5 miles of walking trails, and restored native preserves. New construction is planned for a welcome center, auditorium, café, and more.

A sculpture exhibit was going on the same time as our visit. Enjoy the photos and picture yourself in sunny South Florida.

And here are my friends from Southwest Florida Romance Writers who gave me an excuse to go to Naples in the first place. I spoke to the group on “Social Networking for Writers.” You’ll see me at the far end in the first photo.

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As for other day off activities, we’ll often take a walk inside Sawgrass Mills Mall. Last week we went there to see Oz: The Great and Powerful. We liked this Disney movie despite the negative reviews. The storyline was clever and the scenery beautiful and creative. It reminded me of Avatar. We didn’t see it in 3-D but I would buy the DVD that way.

We discovered a new sushi bar inside the mall at a central location. Patrons sitting at the bar can watch sample dishes glide by on a conveyor belt.

Another day, I met my friend Margaret, a former member of Florida Romance Writers. We dined with our husbands at La Bonne Crepe on Las Olas Boulevard in Fort Lauderdale. I indulged in the baked brie with fruit and an iced tea.

After lunch, we strolled by the New River to see the Water Taxi landing where a bunch of people waited for the boat. That’s one adventure I haven’t done yet.

Where do you go on your days off?

Shine On Blog Award

Thanks so much to David Fernandez for nominating my blog for the Shine On Award. David discusses writing, sports, movies, and more at his entertaining site, so stop by for a visit. Thank you, David, for the nomination. It’s always nice to know people are reading my posts!

The Shine On Award

The Shine On Award Rules

Link back to and thank the blogger who nominated you.
Post the badge on your blog.
Answer the questions posed to you.
Nominate five bloggers who shine a little light in your day and notify them.
Ask five questions for your nominees.

David’s Questions for Me

(1) Are you a Plotter or a Pantser?

I develop my characters first, and then I’ll plot the story. I write a complete synopsis before I begin writing. This acts as my guideline, but that’s not to say the story doesn’t change as I write it. When I finish the book, I’ll go back and revise the synopsis accordingly. So I am definitely a plotter. I need to know where the story is going from the start.

(2) When you’re in a rut, where do you go for inspiration?

I’ll keep working out the plot in my head until something comes through. I might talk it out with my critique partners. Sometimes you just need a sounding board. Ideas may come to me when taking a walk or in the shower. The mind relaxes and allows a new connection to come through. It’s important to acknowledge these roadblocks as part of the writing process and to have faith that you’ll get through them like you do each time.

(3) What writer, living or deceased, would you compare your work to the most?

My work has been compared to Janet Evanovich for her humor. However, the humor in my mysteries is more wry and less slapstick. Also, my books are whodunits while hers are more adventures at heart. Jill Churchill’s humorous series is what first inspired my mysteries so my books could be compared to her Jane Jeffry stories with the funny titles. There are many other humorous cozy writers out there whose work has a similar tone. As for my romance series, Alyssa Day comes to mind for her Warriors of Poseidon series.

(4) What is your story writing process?

For a mystery, I decide on the victim and then determine the suspects. I’ll do character development sheets at that point to help me figure out each character’s possible motive. Preliminary research is done at this stage too. When I have these elements in my head, I write a synopsis. This acts as my writing guideline although the story might change. For a romance, I develop the main characters and then the plot. After the synopsis is finished, I put myself on a writing schedule of five pages a day. Once the book is done, I do several read-throughs for line editing, consistency, repetitions, and smoothness.

(5) What is your blog writing process?

When I get an idea, I’ll either jot it down or write the entire blog at that time. When I’m working on a book, I may note possible blog topics to use later on when I’m doing a blog tour. I don’t have set dates when I blog except on The Kill Zone, where I am a regular contributor every other Wednesday. I encourage reader feedback on my blogs.

And I nominate

Mudpies and Magnolias for the writing life by Maggie Toussaint: http://mudpiesandmagnolias.blogspot.com/
Terry’s Place for tips and strategies on writing by Terry Odell: http://terryodell.blogspot.com/
Scams & Cons for updates on scams by Terry Ambrose: http://terryambrose.com/category/scams/
Hasty Tasty Meals for easy-to-make recipes by Cheryl Norman: http://chefcheri.wordpress.com/
It’s Not All Gravy for life’s absurdities by Maryann Miller: http://its-not-all-gravy.blogspot.com/

My questions for the nominees are

What genre do you read for fun?
Do you revise as you go along or wait until your first draft is done?
What advice would you give aspiring authors?
Do you have beta readers and who are they?
What’s an interesting item you’ve researched for your current work in progress?

Discovering Your Story

Plotting your story can’t take place until you have an idea of issues you want to explore, setting, and character. Before you take pen to paper, you engage in the stage of Discovery. What does this mean?

Normally when planning a mystery, I start with the victim. Once the dead guy makes himself known, I create the suspects around him. Who had reason to want this person dead? What do they stand to gain? Who are the vic’s friends, business associates, and relatives? What secrets are they hiding? What issues are involved? Then I begin to explore possible motives. My research branches out, sometimes in new and interesting directions. Different elements swirl in my head, seep into my subconscious, and brew together until the plot pops out. Usually at this point, I can sit and write the entire synopsis.

But in researching my next mystery, I find myself going in a new direction totally. My characters will be transplanted from their normal Florida suburb to a ranch vacation in Arizona. I’m pondering a story that’s more an adventure than a whodunit, and the more fascinating items I research, the more excited I am getting. Copper mines, water resources, cattle ranches, ghost towns, haunted hotels, train rides…oh, my. A research trip is definitely required.

So far my notes are confined to Internet research but the various issues are becoming clarified. I am beginning to see what is possible and what may be implausible. These determinations will help when I debate my characters’ secrets and motives. I’m driven to discover more, to uncover additional tidbits that might influence my developing story. And I’m wondering if my readers will like reading more of an adventure or if I should stick to a traditional whodunit.

Or maybe this is all a pipe dream and these elements belong elsewhere, not with my series. But I’m excited for my happy couple to meet new challenges in a different location. Every few books in a series, when the setting gets to be same old, same old, you need to transplant your protagonists somewhere new for variety.

Sufficient time must be allotted for this discovery process. Plotting, research, and exploration are part of the pre-writing mode. Never feel guilty that you are not actually writing. You have to get it right, and only by digging into all the possibilities can you offer new material for the reader.

I am uncertain where I will go with this information I’m collecting. Maybe I’ll throw it all out and plot a traditional murder mystery. Or maybe I’ll go with the flow and drop my characters into a morass involving disputes over water resources, mining rights, ghost towns, and more. What do you think?

Sowing Seeds for a Sequel

How can you drop hints for a sequel in your current story, not only to let readers know more books are coming but also to whet their appetite for the next installment?

You can (1) title your book as part of a series, (2) include a teaser for the next book after the last chapter, (3) plant clues foreshadowing another problem to come, or (4) drop an overt hint toward the end of your story.

Number four is what I did in Killer Knots, book #9 in my Bad Hair Day mysteries. At the end, I have Marla and Dalton announce they’ve chosen a date for their wedding. Now readers can anticipate the nuptials for which they’ve been waiting throughout the series. But knowing a mystery is a must, hopefully they’ll also anticipate that things won’t quite go as planned. That story becomes Shear Murder, book #10.

But what if you haven’t plotted the sequel, written the first chapter for it, or even planned to do one? And then suddenly readers are demanding the next book. What do you do?

Hopefully, you can still make additions in your current WIP. So here are some tips on how to drop in some subtle hints of what’s to come:

First plot your overall series story arc for the next few books.

Identify the main characters. Is this a series with a single protagonist in each volume, or are the stories spin-offs, wherein secondary characters in one story become the heroes in another? Either way, try to determine what personal issues will be driving these people in the next book.

Write the opening scene to get a feel for the story.

Now go back to the WIP and look for places where you can drop in hints of what’s to come.

In the Drift Lords series, a sweeping battle between good and evil is coming. What happens after this battle when my heroes triumph? Is the series over? Not necessarily, because you all know that after one bad guy goes down, a worse one pops up to threaten humanity.

Spoiler Alert! I created an unusual situation by writing my first three books in chronological order because the story comes to its rightful conclusion in this trilogy. The next three books, as I’ve planned it, take place in the same time period as books 2 and 3. I know it’s confusing, but bear with me. What will make this next set of three books special, if fans know our main villains get vanquished? Here’s what happened: I came up with another story arc for books 4-6. Look at Star Wars. George Lucas made a wildly popular trilogy. Then he did another 3 movies, calling them prequels. Now the series will continue with a new story line, into the future. But unlike Lucas, I have the chance to drop hints in book 3 for the next trilogy of books in my series. In my mind, I see them as sets of three with the potential for a total of seven or more. And like Terry Goodkind’s excellent Sword of Truth series, just because one nasty bad guy is defeated doesn’t mean there aren’t more out there.

I’ve had to go back into certain scenes of book 3 and add factors that will cause the reader to wonder what’s going on. This plot thread will not be solved by the end of this story. In other words, our hero’s job is not done just because he’s prevented disaster.

Do you like hints of what’s to come in stories you are reading? I’m not talking cliffhanger endings here. I hate it when the main story line isn’t finished, and you have to wait for the sequel. But personal issues may continue in the next installment, or new problems may arise that cause trouble down the road. One has to be careful not to frustrate the reader by dropping too many hints, only enough to gently tease her about what may be in store.

Noting the Details

Observing a place with a writer’s eye is totally different than going as a tourist. In the latter capacity, you notice the bigger picture. For example, while on a movie studio tour, you might be hunting celebrities or be excited about seeing the costume department. But do you notice the trash bin labeled with a show’s name, the color of the tram that takes you around, or the signs on the soundstage walls?

As a writer, these are the sensory details that make a scene come alive. For Warrior Lord, where my heroes investigate the dire goings-on at a studio where guests go in and don’t come out, I watched an online video of an actual tour and searched my memory of studio visits I’ve made. These gave me the details I needed.

In a similar fashion, Warrior Rogue has a scene set in Hong Kong. How did I do this when I’d been there years ago? I kept travel diaries of everywhere I went, so first I combed through my journal for descriptions of places that might remain. Then I looked on the Internet to verify they still existed, like the tram ride going to Victoria Peak. I remembered Tiger Balm Gardens, and this became an important—albeit renamed and reimagined—scene in the story as well.

The wedding in Shear Murder takes place at an orchid park, but it’s based on Harry P. Leu Gardens in Orlando. On site, I strode through while taking notes of the plants, the layout, and any unusual observations. Did you know there’s a cemetery inside this oasis? It’s exciting what you’ll discover when you search for unusual and different details to spice your tale.

Next time you are out and about, try to notice these little details and think about how you’d describe them. It will enhance your experience and solidify your memory. And remember to include your five senses: sight, smell, sound, taste, and touch.

Writers, what scenes have you used based on personal observations?

Readers, what scenes have you read that stick in your mind due to the descriptive detail?

Writing the Military Hero

Have you ever thought about writing a military hero into your story?

If so, be sure to get your facts and lingo straight. At a recent Florida Romance Writers meeting, we had the good fortune to have as guest speaker a Navy Captain and the brother of one of our members. Let’s call him Captain X for the sake of anonymity to respect his privacy. His experience includes flying helicopters, missions over Iraq, and special ops support.

He explained (Disclaimer: All comments are subject to my interpretation) that Special Forces means U.S. Army and Special Operations Forces (SOF) refers to any service. In general, these guys are professionals, fairly introverted with quiet personalities, and very patriotic. Rogue agents like you see in the movies probably would be “PNG-ed” or deemed “persona non grata” in reality. A QRF refers to Quick Reaction Force. These are the guys who stand by in case “things go sideways.”

Captain X mentioned how you don’t really know how you’ll react until you are actually under fire. A brave man faces his fears and chooses to overcome them.

The Captain talked about Iraq and how he’d rather be there in the summer because it’s too hot for the bugs to come out. It rains in the winter and the powdery sand becomes like mucilage. Some of the wildlife includes camel spiders (“as big as a dessert plate”), no-see-ums, mice, and scorpions.

His helicopter had two pilots, two gunners, and a medic. He wore armor and a helmet with a boom mike. He says they never use the word “gun” but call it a “weapon” instead. They refer to members of the military as “teeth or tail”, i.e. going to war or staying behind. He says they are careful not to cause collateral damage in terms of injuring civilians. They’re allowed to say No to a mission if they deem it to be too dangerous in this regard.

This was reassuring to me. It’s nice to know our military officers’ opinions are respected and they’re not expected to blindly follow orders, the excuse for too many atrocities in the past. At least, this is one officer who makes conscientious decisions based on the information available. I hope there are many others like him out there.

Captain X also mentioned his deep respect for Vietnam Veterans, and from his personal experience, they are as brave and honorable as anyone who ever wore the uniform.

And if anyone wishes to support the service, please consider the Wounded Warrior foundations.

The writing lesson learned is to be true to the lingo if you write a military hero. Captain X’s talk was peppered with colorful language that probably wasn’t as bad as it is in reality. Honor is still important, and so is bravery. And when your hero raises his rifle, it’s a weapon, not a gun. Or better still, it’s a specific model weapon. So just as cops and other folks in our books have their own jargon, so do the military. Get it right.

My hairdresser sleuth has a particular way she looks at things. How about your characters? What occupations have you researched for accuracy?

Looking for a Good Book

Recently I read through a bunch of novels to judge for the RITA contest sponsored by Romance Writers of America. Out of the 7 books sent me, I truly liked only one. That’s not to say I didn’t attempt to be fair and to objectively evaluate the others according to the supplied criteria. But only one out of the seven books appealed to my taste as a reader.

This exercise made me realize what I like about my favorite genres, and also what factors I don’t like that will make me put aside a book.

DISLIKES

No plot: In many of these romances, the romance portion was beautifully done but not much else happened. Reading page after page of angst and relationship problems quickly lost my interest. Now keep in mind that my cup of tea may be your cup of coffee. You may be an avid fan of contemporary romance and love these types of stories. I am not.

I like adventure, danger, and intrigue along with my romance. Or at the very least, I like something to be happening other than the emotional rollercoaster of the main couple. My taste runs to historicals, scifi/fantasy, and paranormals. That’s why romance can delight everyone. Different subgenres broaden the appeal.

Of course, the opposite problem can also be a deterrent: too much plot and not enough emotion. Haven’t you read stories where you don’t get a feel for the people? The action keeps moving along but you want more reaction? Balance is the key.

Graphic Language: Erotica may be a hot selling genre, but I don’t get off on the f-word or other graphically depicted details. You don’t even need a plot when these people are in bed for most of story. Or they’re thinking of doing it. Where’s the falling in love when two people are hot to trot right from the start? I’d be happier with a Jane Austen novel.

Contemporary Settings: I like to escape reality when I read, hence I prefer historical romance or futuristic/scifi/fantasy settings, or a contemporary setting with a paranormal element. My reading pleasure is focused on escape and entertainment, not enlightenment on heavy issues or a rehash of societal woes. All stories reflect on society in some manner. I prefer my tales Star Trek style, i.e. in disguised parallels to humanity’s foibles. As for location, Texas doesn’t draw me in although it seems to be a favorite among readers.

Unlikeable Characters: If the people are too far out from what’s normal for me, too eclectic or weird or damaged or tortured, I am apt to not be engaged. I want people I can admire and aspire to be like, not whom are unpleasant so that I can’t wait for the story to end.

So if these were the main things I disliked, what do I look for in a story? You may ask yourself the same thing. What draws you to a certain type of writing? A certain genre or a time period?

LIKES

Out of Time/Place/Experience: As I said above, I like to escape the toils of daily living, and so historical settings or futuristic/fantasy stories appeal to me. Ditto these elements or a paranormal angle in a modern setting.

Humor: I’m a sucker for humor. In any kind of story, if you make me smile, I’m more likely to keep reading.

Strong Plot: I want something to matter other than the relationship. Let the main couple race to find an artifact, missing sister, stolen chalice, spear of Atlantis, or anything that adds suspense. Throw them into situations that make me turn the page.

Archetypes: While I’m not fond of reunion stories, I do like hidden identity, royalty, rags to riches, and certain other archetypes. Some of these turn me off, like cowboys. What about you?

Mystery: A smidgen of mystery, even about a character’s background, adds tension. If you know everything up front and the characters like each other right away, where’s the story going?

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Now that I’ve finished the books I had to read, I can’t wait to dive into my TBR pile. Adventure, romance, fantasy, mystery, scifi—here I come.

So what kind of stories do you gravitate toward and which types do you generally avoid? How much will you read before you put a book down?

FRW Cruise Conference

FRW Cruise Conference
Liberty of the Seas
Feb. 24-28, 2013

Click Here to See Photo Album

Day 1, Thursday

Ninety registered guests attended the Florida Romance Writers Cruise with your Muse conference aboard the RCCL ship Liberty of the Seas. We boarded easily, getting right onto the ship after parking and checking our luggage at Port Everglades. Upstairs at the Windjammer Buffet, we ate lunch and waved to fellow FRWers who’d already arrived. We checked into our cabin and then set out to explore the ship. This is a beautifully appointed ship of the fleet with its traditional interior Promenade, ice skating rink, and usual bars and lounges. Downstairs at the conference center, we picked up our registration materials. Then we hustled to the lifeboat drill before departure time. At 5:00pm, we met our conference shipmates at a Welcome Aboard party in the Sphinx lounge on deck five. The editors and agents shared industry news and writing tips.

Editor/Agent Tips
Get rid of the prologue
Hit the ground running
Avoid clichéd writing
Shorter works, less than 100,000 words, are more desirable these days.
Don’t overuse dialogue tags.

Next, my husband and I dashed to the Diamond Club lounge where, as repeat cruisers at a certain level in the Crown & Anchor Society, we enjoy benefits like free drinks and appetizers. Of course, this was my favorite activity and we made it up here on deck 14 every evening. Our dinner seating was late at 8:30 so we had plenty of time to meet fellow cruise enthusiasts.

Day 2, Friday

This morning, workshops were held with authors Traci Hall, Kathleen Pickering, and Karen Kendall. I found some time for walking the decks with my husband. We sat the pool and watched the action or lounged on our balcony to stare at the ocean.

Along the way, I got a glimpse of an interesting lady who would intrigue me for the entire trip. On previous cruises, I always spotted a character who would be great in my books. Thus the elegant white-haired woman from a prior voyage became the Countess in Killer Knots, my cruise ship mystery. I haven’t placed the witch lady from our previous cruise yet, but she’ll make her way into one of my stories. On this trip, I saw someone who definitely had an air for dramatics.

This woman had blond hair that she wore teased and curled atop her head like a poodle. I swear, she even had poodle bangs. But this wasn’t all. No matter the time of day or place, she wore a chiffon dress with spaghetti straps and sparkles and high heels. One day her shoes were black velvet with rhinestones. Her dresses glittered and the hemline swayed as she moved. I saw her in ivory, burgundy, and gold variations of the same dress, often with sequins. She wore a heavy application of makeup as well. I assumed she must be European. She just had that air about her. We always saw her clinging to the arm of a dapper gentleman who looked fairly ordinary in comparison. Neither one of them were youngsters. She’ll end up in one of my stories for sure.

Later that afternoon, I sat in on a workshop with bestselling authors Heather Graham and Charlaine Harris. Here’s what they said about writing humor:

Charlene: “When you’re writing sex, there is no dignity, and it can be funny.”
Heather: “It’s fun to have supporting characters where things don’t always go well. You can make jokes with these people.”

Floridian Idol followed, where the editors and agents tore apart submissions from attendees. You could learn a lot by listening to their comments, and this session was well attended.

Day 3

Saturday, we arrived at Cozumel. My husband and I took a taxi into town for $8.00 each way. Even though I had vowed not to buy anything, I ended up with a pair of earrings, rum cakes, and Mexican vanilla. That evening, we went to the show on the ship. The entertainer was a magician who kept the audience laughing.

Day 4

Sunday morning was my workshop on Mystery Writing 101. I had a great group and the time went fast. We hustled out to attend Charlaine’s keynote speech where she talked about her long career history and provided inspiration for the rest of us.

That afternoon, ten of us authors held a booksigning in the dining room. Since the notice had gone into the ship’s daily newsletter, readers flowed into the room to buy our books. I couldn’t believe it when I’d sold my last copy! It was one of the best conference booksignings I’ve done.

We hurried off to see Saturday Night Fever in the main theater while others went to the ice show.

At the end of the day, we had a farewell party led by our FRW president Rose Lawson and the hard-working conference planners before our final dinner together.

The four days went by too fast. We hung out; we talked; we learned and we shared. We got to know each other and the editors and agents who had nowhere else to go. We watched a dazzling parade of famous animated characters on the Promenade, sampled as much food as our stomachs would allow, and explored the hidden nooks of the sleek vessel. We each came away with something different—an invitation to submit pages to an editor/agent, a sense of peace, a few extra pounds.

I hope you can join us next time.

CSI Investigations

At a recent meeting of MWA Florida, we heard a CSI investigator from North Miami PD speak about her experiences. “Our day begins when yours ends,” she quipped. A beautiful woman who is married with five children, she could be a TV star of her own show. She proceeded to differentiate what’s real and what isn’t from what we see on television. The “CSI Effect” is what people expect from watching these shows, like immediate test results. That isn’t what happens in reality when it might take years. However, these dramas are good for bringing attention to an underfunded field. Private labs might produce quicker results, but she’s not allowed to use them for legal reasons.

Why doesn’t she drive a Hummer? This is one of the questions she’s been asked. She drives a van because it’s large enough to hold her equipment and has storage space. She never parks in front of a business unless she’s on a case because that would drive customers away.

DNA testing can take months. Florida is number one for the best hits on CODIS (Combined DNA Index System). You must have been arrested to be on this database. In Miami, they have one year from date of entry to make a hit with a suspect. Otherwise, the statute of limitations runs out. Two types of DNA concern them: Mitochondrial and Nuclear. The latter contains a cell’s nucleus and goes back to a single source while the genetic pool is larger for the former type of DNA.

IAFIS (Integrated Automated Fingerprint Identification System) is fingerprint storage and retrieval. Usually it’s the latent examiner who makes the hit, although this can be subjective. Prints come from people who’ve been arrested. Other sources for prints can be places like jobs that require them, immigration, etc.

Five manners of death exist:

Homicide
Suicide
Accident
Natural (over 80%)
Undetermined

She says investigators specialize in certain areas, and the science and technology are constantly changing. They look for signs of foul play. For example, if you are sick or injured, you may curl on your bed into fetal position. You don’t lie prone in a closet, where a body was found. It was later determined he died from a broken neck. A migrant worker renovating the house was guilty of murder.

With Live Scan, ink isn’t used for fingerprinting. The old method often resulted in operator error—too much or too little ink, not rolling the prints properly. There are 150 points of identification on each finger. Patterns can be a loop, arch, or whorl or a combination therein. Footprints have similar characteristics. Fingerprints develop at 7 months in the womb. Changes may occur with scarring, like musicians who grow calluses. How long do prints remain on the scene? Forever, unless they are removed.

They give every case a name, like the Lemon Case where a guy supposedly fell on his knife when paring fruit. She’ll look in the kitchen, in the garbage for clues. It turned out the man’s girlfriend stabbed him, and friends helped her cover it up. But they neglected to erase the footwear impression where someone had stepped on the knife.

As a mystery writer, it’s important to get the facts straight. We can’t rely on what we watch on TV.

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Disclaimer: These are my notes and they are subject to my interpretation. Any errors are not intentional.

Identity Theft

Recently I heard a police officer speak at a Friends of the Library meeting about identity theft. He also gave some anti-burglary tips. In our community, the number one crime is vehicle burglary. Identity theft is number two, and home burglaries are number three.

To avoid number one, his main advice is “Don’t leave valuables in your car.”

People are especially vulnerable to identity theft during tax season, which is now. Filing by email has led to a huge problem in theft. He gave an example of a foreclosed house which was the site of 35 email refunds from the IRS. Refunds are often sent to scammers. How do they get your information?

The officer gave your doctor’s office as an example. Say your doctor hires a temporary employee. That person has access to all your personal files. Ask the front desk about privacy issues and what happens to the data you provide.

People steal information from credit card readers, reproduce new credit cards with your info, and sell these on the street. Examine your credit card and bank statements for unfamiliar transactions.

Warning signs: You start receiving bills for items you didn’t purchase or statements from collection agencies for debts that aren’t yours. You are denied credit. Your bank or credit card statements stop arriving.

Thieves will go through your trash so make sure you shred anything potentially important. They’ll break into cars and steal information. Doctor’s offices and other places where you do business are vulnerable. So are Internet purchases, credit card transactions, and even PayPal. Scammers will get your attention with a fabricated website that looks like the real thing. Be very careful of links you click on. Check the URL for false trails.

Be very vigilant in protecting yourself. Always initiate a transaction; don’t click on a link sent to you in an email. Warning sign: After visiting a website, you get repeated emails about a product. Or you get a phone call from the company wanting to sell you something. You will be safer if you contact the company yourself at the outset.

Look at the URL for an “https” or a gold padlock symbol to show the transaction is safe. Make sure you use protection software for your computer and mobile devices. Shred any important papers. If you don’t own a shredder, try putting the papers in the kitchen sink and soaking them with water so the ink fades.

Are Identity Monitoring Services worth the money? Not if they do what you can do for yourself.

Be wary of kids selling magazines at your door. This is a known scam; they may be hired to collect personal information which you use when placing an order.

More prevention tips: Stash personal information when you have workmen in the house. Be wary of giving anyone your social security info, driver’s license number, birth certificate, or passport number until the source is verified. Don’t put any of this info on a credit card receipt or on your checks, including your phone number. Don’t give important info to a phone caller whom you do not know or over a cellular network. Do not send your social security number or any other personal information to an unknown source that you haven’t initiated contact with yourself.

The Florida Attorney’s Office keeps records of scams and frauds. Contact them to see if an offer is legitimate. If it sounds too good to be true (i.e. you’ve won a million dollars but we need you to send us $$), it probably is.

If you are a victim: Contact the Federal Trade Commission and report the crime. Get a police report. Notify the three credit bureaus and ask them to flag your accounts. Keep records of all correspondence. Notify all creditors and banks. Ask utility companies to watch out for anyone ordering services in your name.

Identity theft is “easy to commit, hard to prosecute.” The average time to resolve a case of identity theft is 4-7 years. You don’t want to become a victim. Take precautions now.

How to Prevent Home Burglaries

The officer briefly touched upon this subject.

Have strong doors and windows
Have an alarm system
Get a free residential survey from your local police if they offer this service
Protect your garage door
Get a dog
Trim the landscaping around your house
Change the pattern of your house during the day; i.e. leave the TV or radio on at different hours
Have a neighbor park his car in your driveway
Stop delivery of newspaper if you are going away

Lots of these are common sense items. Do what you can to protect yourself and your property, and avoid the anguish of setting things right later on.

About:Nancy J. Cohen

Posts by Nancy J. Cohen :

Playing Tourist in Florida

Shine On Blog Award

Discovering Your Story

Sowing Seeds for a Sequel

Noting the Details

Writing the Military Hero

Looking for a Good Book

FRW Cruise Conference

CSI Investigations

Identity Theft

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