High Risk Personal Loans Clay County

Who We Are: Risk taking and creative endeavors pay off

To say Le Coq is a photographer is to scratch the surface of the Silverthorne resident's multifaceted life. Yes, he has revolved his career around photography. And yes, it has jetted him across the globe several times — once to 26 countries on six continents in 52 days to shoot an advertising campaign for DHL Worldwide Express. “I knew it was very dangerous,” he said, adding, “I've always felt … when you put yourself into insecurity, you find yourself doing your best. When you're insecure, you're vulnerable. You're open to new things. You see things in a different way. I put myself into a position of high insecurity, and it worked.” Le Coq's seemingly disjointed experiences have taken him to the home of Spyder founder David Jacobs — where he helped brand the five initial racing sweaters Jacobs laid out on his lawn — to Apple Computer, where he hung out with guys at MIT who talked about the “worldwide mosaic,” which ultimately became the internet. Apple hired him to connect its brand with customers by telling people's stories. Le Coq paired his stunning photography with stories of people who used Macs, such as a bike rental owner on the top of Haleakala volcano in Maui. To solve the friend's problem, the duo started a company called Case Logic in 1985 by garnering a $45,000 loan through car titles their friends pledged. Though Le Coq will tell you he's not a big music lover — that he probably owns five CDs — he loves design. And if you ask him what it is, exactly, that he does, he'll say: Upon walking into his design center in Dillon and seeing a wall sporting various sizes of earth-toned bags, it's not immediately apparent how his exquisite photography fits into the mix.

Children at Higher Risk for Identity Theft than Adults, Study Says ...

Children, even toddlers and infants, are at risk of identity theft.

In fact, kids under the age of 18 are 51 times more likely to become victims of identity theft than their parents, according to a recent report by Carnegie Mellon CyLab .

Out of a representative sample of more than 40,000 juveniles, 10.2 percent, or 4,311 kids, fell prey to some sort of identity theft or fraud, compared to just 0.2 percent of adults in 2009 and 2010.

According to CyLab, the main reason minors’ identities are so valuable — specifically their Social Security numbers — is that there’s no process in place to double check what name and birth date are officially attached to each number. Thus, “as long as the identity thief has a Social Security number with a clean history, the thief can attach any name and date of birth to it.”

Minors also make a tempting target because the theft may go undetected for years, according to the credit-reporting agency TransUnion. It takes little more than a Social Security number to open most bank and credit accounts.

While children under five are susceptible to identity theft the group accounts for just 7 percent of the minors in the CyLab study. Teens aged 15-18 fell victim to theft more frequently than any age group , accounting for 43 percent of the total sample.

The stolen Social Security numbers are typically used to bypass illegal immigration constraints (to obtain false identification for employment, for example), commit financial fraud and work around bad credit ratings, according to the study.

Seventy percent of cases CyLab examined involved financial fraud in the form of loan and credit accounts. Utility fraud ranked second most common at 18 percent.

Identity theft can have lasting repercussions, especially if unchecked for an extended period of time. Many youth may not discover the fraud until being denied student loans, jobs or living space after high school due to a checkered financial history.

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