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Parents in Ministry

Parents in Ministry with children under 18 years of age. Support, encouragement, fellowship

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OFMBI ACCEPTING STUDENTS TODAY

Started by Dr. Robert L. Watts Jr. Oct 15, 2013. 0 Replies

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Comment by Apostle Lovella P. Mogere on August 20, 2010 at 8:28pm

Comment by Xavier C. Joshua Th.D., on August 19, 2010 at 5:54am
Comment by Xavier C. Joshua Th.D., on August 19, 2010 at 5:53am
Biblical Scholars of the 21st century Study Group posted the introduction of the study upon the Five Fold Ministry and the Apostles of Today? This is the beginning of a Gospel Revolution!New Picture (1).bmp
Comment by Bishop David D. Chaney on August 4, 2010 at 11:20am
Greetings Everyone,

Due to the overwhelming response from my recent teaching "Covering Your Wife with A Double Anointing! (Husband & Priest)" I have posted the video on my page. I have received countless calls from ministers, pastors, and etc stating how the first CD is packed with so much good stuff they have yet to go to the second and can already see the changes happening in their marriage.

For more information on the CD go to http://tinyurl.com/platinumstore, as well as join my Platinum Love Coaching Fanpage.

Be Blessed
Comment by Joan Gilchrist on August 3, 2010 at 12:12pm



New ID theft targets kids' SS numbers

By BILL DRAPER, Associated Press Writer Bill Draper, Associated Press Writer – Mon Aug 2, 4:25 pm ET

KANSAS CITY, Mo. – The latest form of identity theft doesn't depend on stealing your Social Security number. Now thieves are targeting your kid's number long before the little one even has a bank account.

Hundreds of online businesses are using computers to find dormant Social Security numbers — usually those assigned to children who don't use them — then selling those numbers under another name to help people establish phony credit and run up huge debts they will never pay off.

Authorities say the scheme could pose a new threat to the nation's credit system. Because the numbers exist in a legal gray area, federal investigators have not figured out a way to prosecute the people involved.

"If people are obtaining enough credit by fraud, we're back to another financial collapse," said Linda Marshall, an assistant U.S. attorney in Kansas City. "We tend to talk about it as the next wave."

The sellers get around the law by not referring to Social Security numbers. Instead, just as someone might pay for an escort service instead of a prostitute, they refer to CPNs — for credit profile, credit protection or credit privacy numbers.

Julia Jensen, an FBI agent in Kansas City, discovered the scheme while investigating a mortgage-fraud case. She has given presentations to lenders across the Kansas City area to show them how easy it is to create a false credit score using these numbers.

"The back door is wide open," she said. "We're trying to get lenders to understand the risks."

It's not clear how widespread the fraud is, mostly because the scheme is difficult to detect and practiced by fly-by-night businesses.

But the deception is emerging as millions of Americans watch their credit scores sink to new lows. Figures from April show that 25.5 percent of consumers — nearly 43.4 million people — now have a credit score of 599 or below, marking them as poor risks for lenders. They will have trouble getting credit cards, auto loans or mortgages under the tighter lending standards banks now use.

The scheme works like this:

Online companies use computers and publicly available information to find random Social Security numbers. The numbers are run through public databases to determine whether anyone is using them to obtain credit. If not, they are offered for sale for a few hundred to several thousand dollars.

Because the numbers often come from young children who have no money of their own, they carry no spending history and offer a chance to open a new, unblemished line of credit. People who buy the numbers can then quickly build their credit rating in a process called "piggybacking," which involves linking to someone else's credit file.

Many of the business selling the numbers promise to raise customers' credit scores to 700 or 800 within six months.

If they default on their payments, and the credit is withdrawn, the same people can simply buy another number and start the process again, causing a steep spiral of debt that could conceivably go on for years before creditors discover the fraud.

Jensen compared the businesses that sell the numbers to drug dealers.

"There's good stuff and bad stuff," she said. "Bad stuff is a dead person's Social Security number. High-quality is buying a number the service has checked to make sure no one else is using it."

Credit bureaus can quickly identify applications that use numbers taken from dead people by consulting the Social Security Administration's death index.

Social Security numbers follow a logical pattern that includes a person's age and where he or she lived when the number was issued. Because the system is somewhat predictable, sellers can make educated guesses and find unused numbers using trial and error.

A "clean" CPN is a number that has been validated as an active Social Security number and is not on file with the credit bureaus. The most likely source of such numbers are children and longtime prison inmates, experts said.

Robert Damosi, an analyst with Javelin Strategy & Research, said the crime can come back to hurt children when they get older and seek credit for the first time, only to discover their Social Security number has been used by someone else.

"Those are the numbers criminals want. They can use them several years without being detected," Damosi said. "There are not enough services that look at protecting the Social Security numbers or credit history of minors."

Since the mortgage meltdown of 2008, banks have tightened lending policies, but many credit decisions are still based solely on credit scores provided by FICO Inc. and the three major credit unions: Experian, TransUnion and Equifax.

Federal investigators say many businesses do not realize that a growing number of those credit scores are based on fraudulent information.

"Lenders don't understand that when they pay money to go through a service, they may be receiving false information," Jensen said. "They think when they order the information from credit bureaus, it must be true."

Without special scrutiny, credit profiles created with the scheme are not immediately distinguishable from other newly created, legitimate files.

Investigators say the businesses clearly know they are selling Social Security numbers, but it's difficult to prove. The sellers use complex disclaimers that disavow illegal activity and warn customers against using their numbers in place of Social Security numbers.

The businesses also instruct customers to provide false information when using the number to apply for credit. Customers are told to use their real name and date of birth, but to avoid listing any addresses or phone numbers they've used in the past. They're also told to avoid any other information that connects the new, clean credit profile with the old, damaged one.

Craig Watts, a spokesman for credit reporting agency FICO Inc., said FICO has tools available for businesses to protect themselves from this type of fraud, but they are not cheap. And many lenders are slow to adopt FICO's new formulas, which are updated every few years.

Some companies that sell the numbers have lavish, high-tech websites. Others run no-frills ads on sites like Craigslist.

Jim Buckmaster, president and CEO of the San Francisco-based Craigslist, recently told the AP in an e-mail that there were "fewer than 200" classifieds on his site that used the word "CPN."

Within an hour of that e-mail exchange, dozens of the ads in cities such as Las Vegas, Los Angeles and New York had been pulled from the site. Many were reposted the next day.

An AP reporter called several of the sites, but got only recordings asking callers to leave a message with contact information.

Experts say the fraud will be difficult to stop because it's so easily concealed and targets such vulnerable people. Other than checking with the credit bureaus to see if there is a credit file associated with your child's Social Security number, spokesmen at FICO, the Social Security Administration and the FTC said there are no specific tools for safeguarding the number.

"This is an invisible crime, with invisible victims who don't have enough support out there to help them," said Linda Foley of the ID Theft Resource Center in San Diego.

Comment by DAVID NELLOR on August 3, 2010 at 9:06am
LET US JOIN HANDS TO WORK FOR THE LORD.


MY NAME IS DAVID NELLOR,
I WORK WITH THE INTERNATIONAL MONETARY FUND.I.M.F,.

WE ARE CURRENTLY AUDITING THE FINANCIAL ACCOUNTS OF SOME SELECTED AFRICAN COUNTRIES.

DURING THE EXERCISE, WE HAVE DISCOVERED THERE ARE LOTS AND LOTS OF FOREIGN CONTRACTORS THAT EXECUTED CONTRACTS HERE IN SOME AFRICAN COUNTRIES,BUT DUE TO THE HIGH LEVEL OF CORRUPTION HERE IN AFRICA,SOME OF THESE CONTRACTORS COULD NOT RECEIVE THEIR CONTRACT PAYMENT FOR A LONG TIME NOW.

THIS IS BECAUSE SOME OF THEM HAVE DIED A LONG TIME AGO.

NOW I HAVE CONTACTED YOU BECAUSE THERE IS ONE OF THEM THAT CAME FROM YOUR COUNTRY AND HAS A SIMILLER NAME WITH YOU.

ALL EFFORTS THAT WE HAVE MADE TO GET IN TOUCH WITH THIS CONTRACTOR HAVE ALL FAILED,AND IT IS VERY CLEAR TO ALL OF US THAT WE WILL NOT BE ABLE TO GET IN TOUCH WITH THIS CONTRACTOR MAY BE HE IS DEAD AND HE DID NOT NAME ANY OTHER BENEFICIARY AS HIS NEXT OF KIN.

ALL WE HAVE DECIDED TO DO NOW IS THAT,WE ARE LOOKING FOR HONEST MEN AND WOMEN OF GOD THAT WILL MAKE GOOD USE OF THESE FUNDS TO DO THE WORK FOR THE LORD

NOW I WILL WANT TO PRESENT YOUR NAME TO THE PAYMENT BUREAU SO THAT THE MONEY CAN BE PAID TO YOUR CHURCH AND THE MONEY CAN BE USED TO DO THE WORK OF THE LORD.

THIS IS THE ONLY MEANS THAT THIS FUND CAN BE UTILIZED.

IF YOU KNOW THAT YOU WILL BE VERY HONEST IN HANDLING THESE FUNDS PLEASE CONTACT ME FOR MORE DETAILS.

I HAVE CAREFULLY CHECKED YOUR RECORDS AND PROFILE AND DECIDED TO CONTACT YOU.

PLEASE GET BACK TO ME FOR MORE DETAILS

My direct email address is nellor_dd@yahoo.com

My direct phone number is +442071939091

THANKS

DAVID NELLOR

INTERNATIONAL MONETARY FUND REPRESENTATIVE
Comment by M Brow on July 28, 2010 at 7:23pm
http://www.abcnash.edu - Check out the website!
American Baptist College (Light a flame that last forever) Enroll now! The school is offering now a Masters Program in Pastoral Studies.
Comment by Alexander Devereux on July 27, 2010 at 7:35pm


FOR IMMEDIATE RELEASE


Cast of Southern Fried Characters Animates Gar Fish & Long Gravy, Published by Outskirts Press


Outskirts Press announces the latest highly anticipated body, mind, spirit and new thought book from Chamblee, GA, author Alexander Devereux.

July 15, 2010. Denver, CO, and Chamblee, GA - Outskirts Press, Inc. has published Gar Fish & Long Gravy: Memoirs of Southern Sensibility by Alexander Devereux. The author's most recent book to date is a 6 x 9 paperback in the body, mind, spirit and new thought category and is available worldwide on book retailer websites such as Amazon and Barnes & Noble. The webpage at www.outskirtspress.com/alexanderdevereux was launched simultaneously with the book's publication.



Growing up poor in the small town of Vicksburg, Miss., Alexander Devereaux didn’t have much materially, but there was no lack of remarkable personalities around him -- each of whom left an indelible imprint on his life.
Gar Fish & Long Gravy collects the stories, insight, tragedies, and uproarious wit of an unforgettable cast of characters. There’s Grandmama Lia’, whose hard-won wisdom on life, love -- and mistresses -- is dispensed in her kitchen to her beloved grandson, sometimes over Johnny Walker Black. There’s Ms. Peaches, who raises chickens in her ramshackle hut, yet might be one of the richest people in town. There’s Big Daddy, an imposing hulk, but his massive frame hides a vulnerable past and humiliating secret. And there’s Ms. Annie Laurie, a fabulously wealthy white woman who never had children of her own, but her love rains down on young Alexander.
And that’s just for starters.

Based on real-life experiences, Gar Fish & Long Gravy is about the mistakes we make, the loves we share, and the stories we tell each other that make us who we are. It is the touching story of a boy who ultimately breaks free of the poverty and abuse of his extended family, yet never forgets the important lessons he learned along the way.
As Grandmama said, “If sense were common, everybody would have it.”

94 pages in length, Gar Fish & Long Gravy: Memoirs of Southern Sensibility is being aggressively promoted to appropriate markets with a focus on the body, mind, spirit and new thought category. With U.S. wholesale distribution through Ingram and Baker & Taylor, and pervasive online availability through Amazon, Barnes & Noble and elsewhere, Gar Fish & Long Gravy meets consumer demand through both retail and library markets with a suggested retail price of $12.95.

Additionally, Gar Fish & Long Gravy can be ordered by retailers or wholesalers for the maximum trade discount price set by the author in quantities of ten or more from the Outskirts Press Direct bookstore at www.outskirtspress.com/bookstore.
ISBN: 9781598006759 Format: 6 x 9 paperback cream SRP: $12.95


For more information or to contact the author, visit www.outskirtspress.com/alexanderdevereux.

About the author:

Alexander Devereux overcame epilepsy at birth, dyslexia, and poverty to graduate from college and become a highly successful professional. An ordained minister, he works in the administrative field of higher education. Devereux is at work on his second book, a follow-up to Gar Fish & Long Gravy. He lives in Atlanta. For bookings and speaking engagements you may contact him at 678-913-9561 or atdevereux@hotmail.com

About Outskirts Press, Inc.

Outskirts Press, Inc. offers full-service, custom self-publishing and book marketing services for authors seeking a cost-effective, fast, and flexible way to publish and distribute their books worldwide while retaining all their rights and full creative control. Available for authors globally at www.outskirtspress.com and located on the outskirts of Denver, Colorado, Outskirts Press represents the future of book publishing, today.

# # #

Outskirts Press, Inc., 10940 S. Parker Rd - 515, Parker, Colorado 80134
http://outskirtspress.com 1-888-OP-BOOKS
Comment by Rev. Perry L Austin on July 26, 2010 at 8:27am
DO YOU PRACTICE SAFE TEXT? DO YOU KNOW WHAT YOUR CHILDREN ARE TEXTING TO THERE FRIENDS...? CHECK IT OUT! DO YOU HAVE CHILDREN THAT DRIVE AND HAVE A CELL PHONE?

THERE IS A SERVICE THAT WILL PROTECT THEM AND GIVE YOU A PIECE OF MIND FOR $9.95 A MONTH. GO TO http://www.fdivoice.com/voice.cfm?r=361625
THIS SERVICE WILL SAVE LIVES AND LIVES IN OUR COMMUNITY!
Comment by Jean-Bosco Nsabimana on July 19, 2010 at 11:28am
Hello Dear in christ
I am Director of ministry Hope center for orphans children Burundi and we praech gospol in prison .

God bless you all
 

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