It is that time of year again when all of the IRS fraudsters become active.  Nationwide, there are increasing reports of people receiving telephone calls and emails demanding immediate payment of taxes and threatening jail if payments are not made.  Everyone should be aware:  it is not the IRS that is calling or emailing you, even if they claim to be IRS.  The IRS does not accept pre-paid cards in payment.  You cannot be thrown in jail without due process.  If you are contacted by telephone, hang up.  If you get an email, delete it.  If you get a letter, take it to your accountant to determine if it is legitimate.

The other major personal security news involves the massive data breach at Anthem.  All current and recent subscribers to Anthem health insurance programs are now at risk for identity theft.  The hackers have names, addresses, employer and earning information, Social Security numbers and other sensitive personal information.  Don’t panic, you can easily and inexpensively protect yourself.

First, immediately put a freeze on your credit through all three credit reporting agencies.  There is a $30 fee per agency to do this, a small price to pay given the risk.  If you have investment accounts of any type, contact your representatives and tell them of your concerns.  There are simple protections available that can prevent your accounts from being looted.  Don’t ignore this breach; your financial security may be at risk.  For more information on how to protect yourself go to www.clarkhoward.com.  You will find useful information and links.