New Federal Law Allows You to Freeze Your Credit Free of Charge

iStock
iStock

If you’re worried that someone nefarious may have gotten ahold of your sensitive personal data from a data breach or a phishing scheme, freezing your credit is one of the best ways to make sure your finances stay secure. And now you can do it for free, thanks to a new law that requires major credit bureaus to let you to freeze and unfreeze your credit without incurring any charges, according to USA Today. Previously, this could cost up to $12 per bureau, though charges were already prohibited in a few states.

Under the new federal law, which took effect September 21, you can freeze and unfreeze your credit with Equifax, Experian, and TransUnion—the three main credit bureaus—in any state without a fee. The legislation also extends fraud alerts on credit reports, allowing you to keep an alert on your account for a year instead of just 90 days.

Freezing your credit means that you’re restricting access to your credit report, which lenders typically need to see before they open a new account for you. Debt collectors and organizations you already have credit with can still access your account, but if, for instance, a scammer tries to open a new credit card or take out a loan, the process will be halted when the creditor can’t access your report. In order to let someone access your report, like if your future landlord needs to take a look, you have to unfreeze it temporarily yourself.

Fraud alerts are less drastic than credit freezes, and may be a better fit for some people who are looking to protect themselves from fraud. Instead of totally freezing access to your credit report, a fraud alert requires lenders to take extra steps to verify your identity before opening a new account in your name.

Data breaches are becoming frighteningly common, and not even credit bureaus are immune. In 2017, an Equifax hack exposed the personal information of millions of people, including social security numbers, tax identification numbers, and driver’s licenses. At least 147.9 million Americans were affected. After the breach, many security experts suggested that customers whose information may have been stolen freeze their credit. Anyone who had the bad luck to be involved in the scam had to decide whether or not to pay Equifax and other credit bureaus to protect their identities, even though they weren't responsible for the breach in any way—no one gets to choose whether or not credit bureaus collect data on them. Now, at least, if your information is exposed through a company’s bad security practices, you can't be charged a fee for it.

[h/t USA Today]

100 Dachshunds Competed in Cincinnati’s Annual ‘Running of the Wieners’

NORRIE3699/iStock via Getty Images
NORRIE3699/iStock via Getty Images

Every year, to kick off Cincinnati’s Oktoberfest Zinzinnati, 100 dachshunds compete in heats to decide who the fastest dachshund in the Midwest is. This year marks the 43rd annual Oktoberfest—one of the biggest Oktoberfest celebrations outside of Germany (more than 500,000 people attend the three-day event).

On the afternoon of Thursday, September 19, 100 wiener dogs (and their owners and handlers) gathered in downtown Cincinnati for the 2019 "Running of the Wieners." The dogs, dressed in hot dog costumes, ran 10 heats, which lasted 75 feet or five seconds each. The winner of each heat advanced to the final round, where the top three finishers were decided.

Maple, a long-haired, one-year-old dachshund, ran his way into first place—and into our hearts.

Maple’s owner, Jake Sander, told WCPO that Maple is one of five dachshunds in the family, and that he learned to run fast by chasing his brother around. Leo and Bucky, two other doxies, placed second and third, respectively.

Besides the Running of the Wieners, Zinzinnati also hosts the World’s Largest Chicken Dance. However, the wiener dogs are more fun to watch.

15 Spooky Halloween Traditions and Their Origins

EEI_Tony/iStock via Getty Images
EEI_Tony/iStock via Getty Images

Trick-or-treating, Jack-O'-Lanterns, and creepy costumes are some of the best traditions of Halloween. Share these sweet facts with friends as you sort through your candy haul.

1. Carving Halloween Jack-O'-Lanterns

Jack-o-lantern
kieferpix/iStock via Getty Images

Jack-O'-Lanterns, which originated in Ireland using turnips instead of pumpkins, are supposedly based on a legend about a man name Stingy Jack who repeatedly trapped the Devil and only let him go on the condition that Jack would never go to Hell. When he died, however, Jack learned that Heaven didn’t really want his soul either, so he was condemned to wander the Earth as a ghost for all eternity. The Devil gave Jack a lump of burning coal in a carved-out turnip to light his way. Eventually, locals began carving frightening faces into their own gourds to scare off evil spirits.

2. Seeing Ghosts

Celtic people believed that during the festival Samhain, which marked the transition to the new year at the end of the harvest and beginning of the winter, spirits walked the Earth. Later, the introduction of All Souls Day on November 2 by Christian missionaries perpetuated the idea of a mingling between the living and the dead around the same time of year.

3. Wearing Scary Costumes

With all these ghosts wandering around the Earth during Samhain, the Celts had to get creative to avoid being terrorized by evil spirits. To fake out the ghosts, people would don disguises so they would be mistaken for spirits themselves and left alone.

4. Going Trick-or-Treating, the Pagan Way

Trick-or-treaters
ChristinLola/iStock via Getty Images

There is a lot of debate around the origins of trick-or-treating. One theory proposes that during Samhain, Celtic people would leave out food to placate the souls and ghosts and spirits traveling the Earth that night. Eventually, people began dressing up as these otherworldly beings in exchange for similar offerings of food and drink.

5. Going Trick-or-Treating, the Scottish Way

Other researchers speculate that the candy bonanza stems from the Scottish practice of guising, itself a secular version of souling. In the Middle Ages, soulers, usually children and poor adults, would go to local homes and collect food or money in return for prayers said for the dead on All Souls’ Day. Guisers ditched the prayers in favor of non-religious performances like jokes, songs, or other “tricks.”

6. Going Trick-or-Treating, the American Way

Some sources argue that our modern trick-or-treating stems from belsnickling, a tradition in German-American communities where children would dress in costume and then call on their neighbors to see if the adults could guess the identities of the disguised guests. In one version of the practice, the children were rewarded with food or other treats if no one could identify them.

7. Getting Spooked by Black Cats

Black cat in autumn leaves
FromtheWintergarden/iStock via Getty Images

The association of black cats and spookiness actually dates all the way back to the Middle Ages, when these dark kitties were considered a symbol of the Devil. It didn’t help the felines’ reputations when, centuries later, accused witches were often found to have cats, especially black ones, as companions. People started believing that the cats were a witch’s “familiar”—animals that gave them an assist with their dark magic—and the two have been linked ever since.

8. Bobbing for Apples

This game traces its origins to a courting ritual that was part of a Roman festival honoring Pomona, the goddess of agriculture and abundance. Multiple variations existed, but the gist was that young men and women would be able to foretell their future relationships based on the game. When the Romans conquered the British Isles, the Pomona festival was blended with the similarly timed Samhain, a precursor to Halloween.

9. Decorating with Black and Orange

The classic Halloween colors can also trace their origins back to the Celtic festival Samhain. Black represented the “death” of summer while orange is emblematic of the autumn harvest season.

10. Playing Pranks

As a phenomenon that often varies by region, the pre-Halloween tradition, also known as “Devil’s Night”, is credited with a different origin depending on whom you ask. Some sources say that pranks were originally part of May Day celebrations. But Samhain, and eventually All Souls Day, seem to have included good-natured mischief. When Scottish and Irish immigrants came to America, they brought along the tradition of celebrating Mischief Night as part of Halloween, which was great for candy-fueled pranksters.

11. Lighting Candles and Bonfires

Campfire in the woods
James Mahan/iStock via Getty Images

These days, candles are more likely than towering traditional bonfires, but for much of the early history of Halloween, open flames were integral in lighting the way for souls seeking the afterlife.

12. Eating Candy Apples

People have been coating fruit in sugar syrups as a means of preservation for centuries. Since the development of the Roman festival of Pomona, the goddess often represented by and associated with apples, the fruit has had a place in harvest celebrations. But the first mention of candy apples being given out at Halloween didn’t occur until the 1950s.

13. Spotting Bats

It’s likely that bats were present at the earliest celebrations of proto-Halloween, not just symbolically but literally. As part of Samhain, the Celts lit large bonfires, which attracted insects. The insects, in turn, attracted bats, which soon became associated with the festival. Medieval folklore expanded upon the spooky connotation of bats with a number of superstitions built around the idea that bats were the harbingers of death.

14. Gorging on Candy

Halloween candy and brownies
VeselovaElena/iStock via Getty Images

The act of going door-to-door for handouts has long been a part of Halloween celebrations. But until the middle of the 20th century, the “treats” kids received were not necessarily candy. Toys, coins, fruit, and nuts were just as likely to be given out. The rise in the popularity of trick-or-treating in the 1950s inspired candy companies to make a marketing push with small, individually wrapped confections. People obliged out of convenience, but candy didn’t dominate at the exclusion of all other treats until parents started fearing anything unwrapped in the 1970s.

15. Munching on Candy Corn

According to some stories, a candymaker at the Wunderlee Candy Company in Philadelphia invented the revolutionary tri-color candy in the 1880s. The treats didn’t become a widespread phenomenon until another company brought the candy to the masses in 1898. At the time, candy corn was called Chicken Feed and sold in boxes with the slogan "Something worth crowing for." Originally just autumnal candy because of corn’s association with harvest time, candy corn became Halloween-specific when trick-or-treating rose to prominence in the U.S. in the 1950s.

SECTIONS

arrow
LIVE SMARTER