Thursday, November 20, 2014

A Genealogical Research Lesson from Laura Ingalls Wilder (Mocavo Blog 15 Nov 2014)

 Please visit Michael J LeClerc's Genealogy News Blog at Mocavo for entire story....

"A Genealogical Research Lesson from Laura Ingalls Wilder"

15 Nov 2014 "Those of us of a certain age remember Monday evenings starting with four notes from a French horn and the Melissas (Gilbert and Sue Anderson) running down a hill of daisies with their baby sister.  For the next hour, the nineteenth-century adventures of Laura Ingalls Wilder and her family played out across our television screens in Little House on the Prairie.
We all knew at the time that the show came from the Little House series of books penned by Laura (Ingalls) Wilder later in life. The nine books told the story of her family from her parents coming together in Little House in the Big Woods to the early period of her marriage to Almonzo, in The First Four Years."

View the blog to see how important the role of biographies, histories, diaries play in our ancestral research...  

Here in South Dakota we have a unique access to the historical lives of Laura and her family at DeSmet at Discover Laura.  Visiting museums and historical centers can give us great examples of how to gather, organize, preserve and share our own family's history.


The real Laura Ingalls Wilder, ca. 1894, from Wikimedia Commons.
The real Laura Ingalls Wilder, ca. 1894, from Wikimedia Commons.

Monday, November 17, 2014

How to Find a Lot of Personal Information about Anyone

How to Find a Lot of Personal Information about Anyone

Subtitle: How Anyone can Find a Lot of Personal Information about You
NOTE: This article is being cross-posted both here and in my new Privacy Blog as this subject seems applicable to both.
Numerous online sites have been available for years that sell personal information about you or about anyone else in the United States. However, one site seems to take this “service” to new heights: InstantCheckmate.com. The service isn’t free, but it is low-cost. The service is available to anyone with a credit card and an Internet connection.
Instant Checkmate collects and sells an amazing amount of information about U.S. residents, including criminal records, court appearances (even where the person was judged innocent or if the case was dropped), charitable contributions, sex offender databases, information you provided on social media sites (Facebook, Twitter, LinkedIn, and many more), professional and business licenses, real estate transactions, and even appraisals of real estate owned, voter registration records, employment records, marriage records, birth records (including birth records of the children of the person in question), residential addresses, and more.

When I did a search on my own name, Instant Checkmate found all sorts of information about me, including my FAA-issued pilot’s license.

Question: Do you want others to know all about you?

Instant Checkmate also provides the names and addresses of sex offenders who live near the person in question. Yes, you can pay for a search on yourself to see what information Instant Checkmate has about you, and the company will then provide the names and addresses of sex offenders who live near you. Of course, sex offender information is available elsewhere (free of charge) at the U.S. Department of Justice web site at http://www.nsopw.gov as well as on a number of other web sites as well.

So where does Instant Checkmate obtain all this information? The answer is “from legal sources as all of it is collected from public records.” If you post information or a picture of your newly-born child on Facebook, that information is available to everyone, including to Instant Checkmate and other companies that collect personal information. Court records are public, as are real estate transactions, birth records, marriage records, death records, and much more.

NOTE: There may be a discussion about birth and marriage records. Some government agencies may restrict access to governmental records of births and marriages for a number of years, but anyone can still legally obtain the same information from newspaper announcements and other sources. Some states even restrict access to the states’ death records, but funeral homes usually submit the same information to newspapers and to Legacy.com and other publishers of obituaries. Anyone, including Instant Checkmate, may legally obtain the information from these publicly-available sources even without access to government records.

In short, Instant Checkmate compiles reports from millions of public records, including social media web sites, newspapers, all sorts of web sites, and also from federal, state and local governments. All of the information contained in Instant Checkmate’s reports is part of what is referred to as the “public record.”

As you might expect, obtaining a report from Instant Checkmate costs money. However, there appears to be no way of obtaining a single report for a one-time fee. Instead, Instant Checkmate requires the user to sign up for a subscription. That is, the user gets charged every month and, in return, can obtain a number of reports about different people every month. The monthly fees are:
$22.86/month provides reports about an unlimited number of people for one month.
$14.86/month provides reports about an unlimited number of people for 3 months.
$9.86/month provides reports about an unlimited number of people for 6 months.

Sound confusing? Here is the statement from the payment page on the Instant Checkmate web site:
“To get unlimited reports, select a one-month membership for $22.86, a three-month membership for $44.58 ($14.86/mo), or a six-month membership for $59.16 ($9.86/mo). Your membership will automatically renew for the same term unless you cancel before the start of the next term. Instant Checkmate will charge the recurring membership fee of $22.86, $44.58, or $59.16 (depending on the membership option you select) to the same card you use today until you cancel. To cancel, call 1-866-490-5980 24 hours a day.”

A different page on the same web site says:
“Your five day $1.00 trial lasts until [5 days from today]. If you would like to cancel before the trial ends, you may do so for any reason and you will not be charged again. Simply call 1-866-490-5980 to speak with one of our Customer Service Representatives 24 hours a day. Otherwise, your trial membership will end on [5 days from today], at which time you will be charged the standard monthly rate of $29.63. Your membership will automatically renew every 30 days thereafter until you cancel.”

I find it interesting that the pricing on the web site says a one-month subscription costs $22.86 but on a different page on the same web site states, “…at which time you will be charged the standard monthly rate of $29.63.”

So… If I sign up now, Instant Checkmate will charge my credit card every month forever and ever until I call them on the phone to cancel? Does the company make it easy for a caller to cancel? Or are they like AOL, which makes it almost impossible to cancel? I have no experience with Instant Checkmate, but I well remember the experience with AOL: being routed all over the company by transfers from one department to another, listening to music on hold for extended periods of time, and eventually being sent to voice mail from which I never received a call back.
Again, I have no experience with Instant Checkmate. However, based on my previous experiences with other companies that make it almost impossible to cancel an automatic renewal on my credit card, I am always suspicious. I gave Instant Checkmate a “virtual credit card number” that allows for a maximum charge of $30 and also expires next month. The company will not be able to renew the charge without my approval. You may or may not want to do the same.
NOTE: I will write in the near future about how to easily obtain a “virtual credit card number” that expires on the date that you specify and will have a maximum charge amount that you specify.

Is Instant Checkmate worth the money? I suspect the answer will vary from one person to another. The company certainly provided a lot of information for the money I paid. However, I consider the method of automatically-renewing credit card charges to be a shoddy business practice. I only do businesses with companies like that when I can use a “virtual credit card number” where I control all future charges.

I certainly am not comfortable with the fact that all my information is available to anyone who can spend $22.86. How about you?