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GivingCreditWhereCreditIsNotDue:.
Thebigidentity-theftbustIastweekwasjustatasteof
what''showtoprotectyourgoodname
HERE'STHESCARYTHINGabouttheidentity-theftringthat
thefedscrackedIastweek:therewasnothinganyofits
estimated40,000victimscouIdhavedonetopreventitfrom
,accordingtocourtdocuments.
AlowlyheIp-deskworkeratTeIedataCommunications,asoftware
firmthatheIpsbanksaccesscreditreportsonIine,aIIegedIy
stoIepasswordsforthosereportsandsoIdthemtoagroupof
20thievesat$-pick
consumerswithgoodcreditandappIyforaIIkindsofaccounts
:$3millionandrising.
Evenscarieristhatthis,theIargestidentity-theftbust
todate,,000
'soneof
orime',addressandSooiaI
SecuritynumberññwhichcanoftenbefoundontheWebññisaII
:.
companiesmake$%of
thatrevenuetofraud,sothere'sIittIefinanciaIincentive
standsnow,it'suptoyoutoprotectyouridentity.
ThegoodnewsisthattherearepIentyofstepsyoucantake.
Mostcreditthievesareopportunists,notweII-organizedgangs.
AIotofthemgoDumpsterdivingforthosemiIIionsof
“pre-approved“credit-cardmaiIingsthatgoouteveryday.
OtherssteaIwaIIetsandreturnthem,takingonIyaSooiaI
SociaISecuritycardathomecansaveaIotofagonyIater.
ButthemosteffectivewaytokeepyouridentitycIeanis
threemajorcredit-reportoutfits:Equifax(),
Trans-Union()andExperian().
AlIallowyoutoorderreportsonIine,whichisaIotbetter
thanwadingthroughvoice-
three,IfoundTransllnion'swebsitetobethecheapestandmost:.
comprehensiveññlayingoutstate-by-stateprices,rightsand
tipsforconsumersineasy-to-readfashion.
Ifyou'reIuckyenoughtoIiveinCoIorado,Georgia,
MaryIand,Massachusetts,NewJerseyorVermont,youare
'sgoing
tocost$8to$
yourreportsyear-roundforabout$70;that's$10morethanthe
'reavictimof
identitytheft,youcanaskforfraudaIertstobeputonfiIe
ateachofthethreecredit-
downIoadatheft-,gov/idtheft,
which,alongwithalocalpolicereport,shouIdhelpwhenirate
'
audaciousheIp-deskworkerwasoneofthefewerthan2%of
identitythieveswhoareevercaught.
'(
ByChrisTaylorTime;12/9/2002,,p100,3/4p,
1c:.
1(1)45678Time;12/9/2002,p100,3/4p,1c9
1(2)456:;<;=>?***@2004AB;Text19
-theftcrime?
[A]TightIysuppressed.[B]Morefrightening.[C]Rapidly
increasing.[D]IooseIycontrolled.
“insidejob”(Line6,Paragraph1)most
probabIymeans.
[A]acrimethatiscommittedbyapersonworkingforthe
victim[B]acrimethatshouIdbepunishedsevereIy
[C]acrimethatdoesgreatharmtothevictim[D]acrime
thatposesagreatthreattothesociety
wayexcept.
[A]destroyingyourjunkmaiI[B]IeavingyourSociaI
Securitycardathome
[C]visitingthecredit-reportwebsitereguIarIy
[D]obtainingthefreereportfromthegovernment
-theft?:.
[A]MorepeopIeareusingcreditservice.[B]The
appIicationprogramisnotsafeenough.
[C]CreditorsusuaIIydisciosetheiridentity.
[D]CreditorsarenotcarefuIabouttheiridentity.
?
[A]Thedangerofcredit-theft[B]Thelossofthe
creditors
[C]Howtoprotectyourgoodname[D]WhythecreditorsIose
theiridentity
:CADBC
[\]^2_
Opinionpollsarenowbeginningtoshowthat,whoeveristobIame
andwhateverhappensfromnowon,highunempIoymentisprobabIy
theavaiIabIeempIoymentmorewidely.
:.
empIoymentasthenorm?ShouIdwenotratherencouragemanyways
forseIf-respectingpeopIetowork?ShouIdwenotcreate
conditionsinwhichmanyofuscanworkforourseIves,rather
thanforanempIoyer?ShouIdwenotaimtorevivethehousehoId
andtheneighborhood,asweIIasthefactoryandtheoffice,
ascentersofproductionandwork?
TheindustriaIagehasbeentheonIyperiodofhumanhistory
inwhichmostpeople'
industriaIagemaynowbecomingtoanend,andsomeofthe
changesinworkpatternswhichitbroughtmayhavetobe
,infact,itcouId
empIoyment,asitshistoryshows,hasnotmeanteconomic
freedom.
EmpIoymentbecamewidespreadwhentheencIosuresofthe17th
and18thcenturiesmademanypeopIedependentonpaidworkby
deprivingthemoftheuseoftheIand,andthusofthemeans:.
destroyedthecottageindustriesandremovedworkfrom
,astransportimprovedfirstbyraiIand
thenbyroad,peopIecommutedIongerdistancestotheirpIaces
ofempIoymentuntiI,eventuaIIy,manypeople'sworkIostaII
connectionwiththeirhomeIivesandthepIacesinwhichthey
Iive.
MeanwhiIe,
preindustriaItimes,menandwomenhadsharedtheproductive
customaryforthehusbandtogoouttopaidempIoyment,Ieaving
benefitreguIationsstillassumethisnormtoday,andrestrict
moreflexiblesharingofworkrolesbetweenthesexes.
becamethedominantformofwork,youngpeopIeandoIdpeopIe
wereexcIudedblbaprobIemnow,asmoreteenagersbecome
frustratedatschooIandmoreretiredpeopIewanttoIiveactive:.
Iives.
AlIthismaynowhavetochange.
Thetimehascertainlycometoswitchsomeeffortandresources
awayfromtheideaIistgoaIcreatingjobsforall,totheurgent
practicaItaskofhelpingmanypeopIetomanagewithout
fuII-timejobs.
?
A)EmpIoymentbecamewidespreadinthe17thand18thcenturies.
B)UnempIoymentwiIIremainamajorprobIemforindustriaIized
nations.
C)TheindustriaIagemaynowbecomingtoanend.
D)SomeeffortsandresourcesshouIdbedevotedtoheIpingmore
peopIecopewiththeprobIemofunempIoyment.
contributingtothespreadofempIoyment?
A))The
:.
C))DeveIopment
ofmodernmeansoftransportation.
.
A)mostpeopIewhohavebeenpoIledbeIievethattheprobIem
ofunempIoymentmaynotbesoIvedwithinashortperiodoftime
B)manyfarmersIosttheirIandwhennewraiIwaysandfactories
werebeingconstructed
C)inpreindustriaIsocietieshouseworkandcommunityservice
weremainlycarriedoutbywomen
D)someofthechangesinworkpatternthattheindustriaIage
broughthavebeenreversed
“daunting“inthethirdparagraphmean?
A)ShockingB)InterestingC)ConfusingD)Stimulating
tocopewiththecurrentsituation?:.
A)CreatesituationsinwhichpeopIeworkforthemseIves.
B)TreatempIoymentasthenorm.
C)EndeavortorevivethehousehoIdandtheneighborhoodas
centersofproduction.
D)EncouragepeopIetoworkincircumstancesotherthannormaI
workingconditions.
de4DCAAB
[\](3)
NooneshouIdbeforcedtowearauniformunderany
worIdthatthepersonwhowearsonehasnovaIueasanindividuaI
inauniformIosesaIIseIf-worth.
Therearethosewhosaythatwearingauniformgivesaperson
asenseofidentificationwithaIarger,moreimportantconcept.
WhatcouIdbemoreimportantthantheindividuaIhimself?If
anorganizationissoweakthatitmustreIyoncIothandbuttons:.
toinspireitsmembers,thatorganizationhasnorightto
personswearuniforms,sayinaschooI,eIiminatesaIIenvyand
competitioninthematterofdress,suchthatapoorpersonwho
cannotaffordgood-quaIitycIothingisnottobebeIittIedby
personsconvenientIyignoresuchcriticalconceptsasfreedom
ofchoice,motivation,
towearthesamecIothing,whywouIdanyonestrivetobebetter?
Itisonlyashortstepfromforeingeveryonetodrivethesame
car,,aII
incentivetoimproveone'
bothertoworkhardsothattheirchiIdrencouIdhaveabetter
IifethantheyhadwhentheyknowthattheirchiIdrenaregoing
tobeforcedtohaveexactIythesameIifethattheyhad?
,biIIionsof
personsareempIoyedindesigning,creatingandmarketing:.
uniforms,
personswouIdbesuperfIuousaswell;whybothertoseIIthe
onIyiternsthatareavaiIabIe?ThewearingofuniformswouId
destroythefashionindustry,whichinturnwouIdhavearipple
advertising,newspapers,magazines,andtelevisionwouIdnot
entertainmentindustrywouIdcoIIapse.
;sprimarypurposeinwritingthispassagewas
to.
A)pIeadfortheaboIishmentofuniformsB)showthatuniforms
arenotpossibIeinademocraticsociety
C)advocatestrongergovernmentaIcontroIsonthewearingof
uniformsD)convineethereaderthatuniformshavemore
foreingeveryonetobuythesamecaroreatthesamefood?
A):.
B)Toshowthatthegovernmenthasinterferedtoomuchinthe
IivesofindividuaI.
C)TosuggestwhatwouIdhappenifuniformsbecamecompuIsory.
D)TopredictthewaythesocietywiIIbeinthenextfew
accordingtotheauthor?
A)ThepersonwhowearsauniformhasnoseIf-worth.
B)Wearingauniformgivesapersonasenseofidentification
withalargerconcept.
C)Uniformswillhurtoneentireinformationandentertainment
industry.
D)Envyandcompetitionareincentivetoimproveone'sIife.
“superfluous”()mostprobabIymeans.
A)indispensabIeB)avaiIabIeC)surpIusD)suppIementary
:.
A)thepositiveeffectsofwearinguniformsB)morenegative
effectsofwearinguniforms
C)aIternativetowearinguniformsD)theIegaIrightsof
thosenotwishingtowearuniforms
:DCBCB
[\](4)
Astrangethingabouthumansistheircapacityforblindrage.
RageispresumabIyanemotionresu11ingfromsurvivaIinstinet,
butthesurprisingthingaboutitisthatwedonotdepIoyit