Blog

  • My credit card info keeps getting stolen … does yours?

    My credit card info keeps getting stolen … does yours?

    I stayed at a Marriott hotel near Boston last April, so I was very concerned when I heard about the Starwood breach. As a result, I’ve conducted a bit of research on the subject.

    Marriott purchased Starwood Hotel & Resorts, in part, because of Starwood’s popular loyalty program. Unfortunately, Marriott also purchased Starwood’s cyber issues. A vulnerability in Starwood’s hotel reservation system had been allowing unauthorized access to it since 2014, a year before the acquisition between the two corporations was even discussed.

    Although original estimates indicated more than 500 million guests were affected, recent estimates by Starwood top out at 383 million. Some of which may be duplicates. Phew! That makes me feel SO much better. You too?

    Here are the most recent figures released by Starwood (on January 4, 2019):

    • 8.6 million encrypted payment card numbers were compromised
    • 5.25 million UNencrypted passport numbers were compromised
    • 20.3 million encrypted passport numbers were compromised
    • 327 million guests had some combination of the following types of information compromised:
      • Name
      • Mailing address
      • Date of birth
      • Gender
      • Arrival and departure info
      • Reservation date
      • Communication preferences
      • Encrypted payment card numbers

    Although you may be breathing easier because stolen credit card info was encrypted, you might want to reconsider. Why? Well, it seems the encryption key might have been stolen right along with the payment card information. The bad guys had access to the system for 4 years. I wonder what other info they stole…

    From what I’ve learned, hotels are notoriously vulnerable to security breaches because they often don’t use chip readers and, instead, either enter credit card info manually into their systems or swipe credit cards when guests check in. One cybersecurity expert reported that both the Hyatt and Trump hotel chains were hacked in 2016.

    What bothers me is that hotels keep your credit card information after you leave–even when you ask them to destroy it and they swear they will. That happened to me last spring, when I traveled to the Kansas City on business. My client paid for my hotel stay and, when I checked in, the hotel required me to present my personal credit card for “incidentals.” I asked the desk clerk how much I would be charged and whether the hotel would keep my payment information afterward. I was told that a $25 “hold” would be placed on my card at check-in and, if I did not charge anything during my stay, the hotel would remove the hold and destroy my card info.

    Well, that’s not what happened. Several months later, after a glitch in communication between my client’s booking agent and the hotel, the hotel charged $152.25 to MY credit card rather than the client’s credit card. (The hotel had not destroyed the info on either card.)

    This charge was made although I had not paid the hotel anything (the “hold” was removed) and without my authorization. I called my credit card company, reported a fraudulent charge, and had the card cancelled and reissued.

    This was the 2nd time in less than a year I used my credit card legitimately and, through illicit means, an unauthorized third party acquired my info and used it for their own benefit. As a result, the Starwood breach–and the cope of it–does not surprise me. I’m just glad I stopped using debit cards years ago.

    Feel free to share your own stories. I know you have them…

  • December Webinar Schedule

    My schedule for insurance CE webinars in December is now available.

    The topics include health insurance, homeowners insurance endorsements, disability income, cyber security, professional liability, Medicare, anti-money laundering, and Driving Into the Future (car rental, Uber, driverless cars, and drones).

    Hope to “see” you soon!

     

  • Being Thankful

    Thanksgiving is my favorite holiday. I’ve always had Friday off from work and love spending the 4-day weekend at home, hunkering down and relaxing. Maybe it’s because those four days will be last opportunity to breathe and take it easy for a good six weeks. Maybe it’s because, as the seasons change and the year winds down, I find myself trying to figure out how to do and be better.

    Looking backward, I appreciate all the things that went right during the past year, and all the things that didn’t. I make plans and set goals … and sincerely hope to achieve them. I’ve always had this sense that it’s impossible to move forward unless we take something of the past with us–and that it’s our choice about what to take that’s the most important part of the decision.

    Both my parents are gone and I find tremendous comfort in living in their house, feeling their presence with me, seeing the legacy they left behind, and the way my sibs and our families have drawn closer together.

    This Thanksgiving, I’m grateful for all the people I’ve loved and the ways they helped me become the person I am. I cherish family–whether it’s the one I was born into or the many I’ve chosen. And I appreciate being able to do exactly what I want to do, and having the physical and mental capacity to do so.

    What are you thankful for? And why?

    Happy Thanksgiving, everyone.

  • What Kinds of Books Do I Read?

    I read all kinds of stuff, in all kinds of formats. I own thousands of books: hardcover, paperback, and ebooks on my Kindle. I subscribe to Kindle Unlimited, and definitely receive a great value for my subscription.

    Here’s the thing. I received a credit from Amazon that linked me to a page with all kinds of books I could apply the credit to. How does a person decide what book to buy?

    I suspect I have a serious issue–okay, I know I have several of them, but I’m talking about the issue relating to my preference for some writers over others. The genre of the book doesn’t matter to me, so long as the writer’s voice sucks me in. Sure, I prefer mysteries, suspense and thriller novels, and all kinds of women’s fiction–including romance. So, why could I not stop reading the first few pages of the first two books I looked at?

    Neither book is the type I’d normally read, which is why I looked at them. Stepping outside the box, you know? Here they are, you tell me why I found both authors’ voices gripping:

    By the way, my favorite book of all time is the Scarlet Pimpernel. (See? I told you I had issues.)

  • New England Crime Bake 2018

    I just spent a terrific weekend in Boston at the New England Crime Bake, a writers conference co-sponsored by the New England Chapters of Mystery Writers of America and Sisters in Crime, organizations of which I am a member.

    All I can say is, Wow!

    Wonderful guest of honor: Walter Mosley. Excellent presenters and panelists, including Gayle Lynds. So much to process and share.

    Give me a few days to gather my thoughts and I’ll have more info and details for you. In the meantime, you can use #crimebake on Social Media to see photos and other good stuff posted my my fellow attendees.