tv NBC10 Issue NBC September 17, 2017 11:30am-12:01pm EDT
rohas likely put your personal a information in the hands of thieves. today, we'll hear from an expert about what you should be doing right now. wentz world, eagles quarterback carson wentz is making his mark on this city off the playing field. today, we're talking about the impact of his leadership style on the fans with football hall of famer ray didinger. swamped. after watching what happened with hurricanes harvey and irma, many in our area are wondering if they need flood insurance. this morning, we'll clear up some of the confusion about an important protection few of us have. male announcer: "nbc10 @issue" starts now. rosemary: good morning, i'm rosemary connors for "nbc10 @issue." a massive data breach, hackers recently stole the personal information of as many as 143 million americans
from the credit bureau agency equifax. it's one of the largest data breaches in us history, and people in our area were not spared. the hackers stole names, social security numbers, birthdates, driver's license numbers. some experts have called it the worst case scenario for millions of americans. that information is exactly what hackers need to impersonate you. thieves can use it to open bank accounts and credit cards in your name. it can even help them steal your tax refund, just about anything that has your name on it. joining me now is greg fliszar. greg fliszar is an attorney with cozen o'connor in center city, philadelphia. he focuses on cybersecurity, data breaches, and healthcare. greg, thanks for being with us. gregory fliszar: well, thank you for bringing me. rosemary: we have talked to you before when we've had data breaches to report on in the past. so, this one, tell us about the scope, give us an idea of just how big this is. gregory: yeah, i think you laid it out pretty well in your introduction. this is a very big one. first, i think this is sort of the trifecta of big data breaches, where you first had the target and home depot breaches, which hit the retail sector. then about in 2015, we had the breach that hit
anthem health insurance, where 80 million folks had their insurance information out there. and now, this is a credit reporting agency, which has all the information that you just discussed. it has personal names, social security numbers, addresses, dates of birth, driver's license numbers. it's basically a treasure trove of information for thieves to go ahead and do identity theft. one of the things that has been a little bit of a criticism is how long this took for this to get out. the actual hackers apparently were in their systems from mid-may of 2017 in the summer through july of 2017. and apparently, equifax knew about it at the end of july, but didn't announce it till september 5 or september 7, which was actually almost 6 weeks. so, that's a long period of time for your data to be out there. rosemary: i mean, i would think that that's an opportunity for people to file some lawsuits. gregory: yes, actually, some have already been filed. there's already been at least one class action filed. the attorney general of massachusetts,
the state attorney general said that she is looking at filing a lawsuit. the attorney general of new york is very involved with this. rosemary: pennsylvania. gregory: pennsylvania, many states are being involved. and it's also going, looking at--a lot of folks in congress are trying to get a final national data breach reporting bill or act put into play. it's been out there for a while, it's never materialized. right now, there's 48 different states that have 48 different ways to report a data breach. there is under hipaa, which is for health information, a sort of uniform national way and standards for reporting data breaches, but not for credit reporting at this point. but as far as things you can do, i think, you know, the first thing, there is a site. equifax has put up a dedicated website, it's equifaxsecurity2017.com. you can go on to that site and you can put in--and there's been some controversy over this. you can put in, you put in your last name and the last six numbers of your social security number, and it's supposed to tell you whether or not
you've been impacted. rosemary: is that accurate? i mean, shouldn't people just assume that they're a part of this? gregory: i think at this point, you should assume you're a part of it. and again, there's been some concerns about whether how accurate it is. there's been stories and reports about people putting in random names, random numbers for social security numbers, and it coming back saying they were impacted. but either way, i think you should just assume that your information's out there, hackers have your information, you should start protecting yourself. one of the things that equifax is doing is they're offering one year of free credit monitoring and data protection services. again, there's been some controversy on that since that's their own product. it's free for one year. after the year, it's about $19.95 a month. so, i would definitely recommend either going on their site and signing up for that. initially, there was a lot of controversy on that because once you did that, in the early--right after the breach, you signed away a lot of your legal rights. the attorney general in new york has gotten very upset about that. equifax has now taken that away. once you sign on, you don't--you have all of your legal rights.
you can sue, you can be in class action lawsuits, you can do whatever you need to do to protect yourself. i think the second thing you can do is just monitor your bank accounts. look at your bank accounts, look at your credit card accounts, look for any nefarious activity. if there's any withdrawals that you didn't make, if there's any credit card purchases you didn't make, you need to right away try and fix those. also, we mentioned the three different credit reporting agencies. contact each of them, and try and get a credit report. look right away, see if there's anything on there that's not supposed to be there. again, this has been out there for 6 weeks, people may have been moving fast, you know, the thieves, the criminals who are-- who have hacked this, so that's another thing. a final protection sort of that you might want to think about is called a credit security freeze. and this essentially freezes your--with any of the big three, transunion, experian, and equifax, it freezes your credit account. so, what happens is if you're--for example, you're at a department store, you're buying some clothes, and the person behind the counter says,
"well, if you open up a, you know, department store credit card today, we'll give you 15% off." typically, you'd give them some numbers, your social security number, your name, your address. they'd phone it in to one of these three informations, they get a credit report back in 5 minutes, and they'd say whether or not you got the credit card. that's not going to happen if you have a credit freeze. it's going to freeze the account. only you can open the account. it's not going to help for existing accounts. for existing accounts, folks can still play around with that. but as far as anybody trying to open up a new bank card, a new credit card, that's one way of protecting that. now, there are some fees with that, and it can be a little bit of a hassle because if you wanted to take advantage of that department store, it might take you 2 or 3 days to get your credit back. but it's--again, it's a good way of doing it. rosemary: at least in this time period while this investigation unfolds. gregory: right, at least while this investigation unfolds, i think that's very good. rosemary: all right, greg fliszar with cozen o'connor, thank you so much for your expertise, always appreciate it. gregory: thank you. rosemary: coming up, carson wentz, he carried the eagles to their first win of the season.
in just about an hour and a half from now, the birds, led by quarterback carson wentz, will kick off their second game of the 2017 season. wentz has come out strong after leading the birds to a win just last week against the washington redskins. it's not just his game on the field that's getting him a lot of attention lately. there's plenty of talk about what the very private wentz is doing off the field. wentz headlined faith on the field, an event at eastern university in st. david's earlier this month. he and eagle tight end trey burton discussed their experiences as professional athletes who are deeply religious. wentz says his faith is number one in his life. carson wentz: it's really, you know, part of everyday life for me. am i perfect? by no means, but it's just living,
playing with that bigger perspective of doing it for the lord. rosemary: nbc10's erin coleman takes a closer look at wentz's leadership style with csn philly game analyst and philly favorite ray didiniger. erin: all right, so before we get to wentz, give us some perspective just about leadership. how have past qbs i guess tackled the attention. i'm thinking of randall cunningham and perhaps donovan mcnabb. ray didinger: they're different from each other, and they're very different from this guy, that's for sure. randall was very flashy, california kid, went to unlv, came to philadelphia with the idea of becoming a star. and kind of, i mean, he modeled himself as much after arsenio hall as he did other football players. i mean, he really wanted to be a star. he carried himself like a star, and to the point where i think that his other teammates had a little trouble accepting him
as a true leader. he was not a guy the other players on the team rallied around. he was kind of a singular--he was kind of a singular presence in the locker room, kind of came and went by himself, kind of did his own thing off the field. i would say that donovan was different in the respect that donovan went to syracuse, he studied communications, he grew up in chicago during the michael jordan era. so, donovan kind of patterned himself after michael jordan, the way he carried himself, the way he handled himself at press conferences, the way he dressed. carson is very different from both of those guys in that carson's carson. i mean, carson is--and i said to you before we started here, i mean, carson is very fargo. i mean, he's very north dakota. i mean, he's--last year, when they were 3-0, and he was on the cover of magazines, and everybody was all excited about him, the eagles were on the bye week, and he went home to north dakota, went hunting. you know, he went back on his pickup truck and got his dogs, and he went out hunting. he's totally unaffected by the fame. but i thought in the area of leadership,
i thought last year, he was put in a very tough situation. he was a kid from a small school, in his rookie year, was injured, didn't have much of a pre-season. and the week before the opener, they made a big trade and made him the starting quarterback. they traded sam bradford. all of a sudden, "here, kid, it's your job." and it was very interesting the way the veteran players on the team rallied around him. he has--there's an ease in his manner. there's a comfort level of his own sense of self-assurance, which is not bragging in any way. it's just you get the sense that he's just very confident in his own ability, and he projects that kind of it factor that the other players have rallied around. and there's no question right now, even though it's only his second year, he is the leader of this football team. erin: and that it factor, though, it's also winning over the fans. so, is it all about his faith and clean living that people are gravitating toward? ray: i think they--people, they look at him and they think he's the genuine article. they think he's real. there's nothing about him that smacks of that it's--
any of it is artifice, that any of it's fake. that's what he is, and that's the way he's been right from the beginning. i think it's one of the reasons why his teammates like him and respect him. he doesn't--he does something that's very interesting, that's very hard to do, that he's the quarterback on the football team, and yet he's one of the guys. it's hard to be both. not only the quarterback is the quarterback, the quarterback's the guy at the podium, the quarterback's the guy leading the parade. and on sunday, he has to. but the rest of the time, to just fit in and be one of the guys in the locker room, it's very hard to be both. not many people can be both. this kid is both. i mean, when you see him around the team, everybody, they defer to him because they know who he is, but yet in terms of the give and take in the locker room, he's one of the guys. and that's a--it's a hard thing to achieve, but he's achieved it. erin: we know that he is a private person, you've mentioned this, but he does have this openness about his faith. do you feel like that could backfire among fans or in the locker room? ray: no, because it's real.
i think it's only a problem if somebody's saying that they are, but they're not. the way you get into trouble, not just in sports but in any walk of life, is if you try to be something or say you're something and you're not. the feeling that i get, i think everybody gets about this kid, is he's genuine, he's real, he's authentic. the idea of being a religious player, an overtly religious player in a violent sport like football, you always think of reggie white, i always think of reggie white. and reggie was an ordained minister. i mean, religion was that big a part of his life, and he talked about it all the time. after games, he would always thank the lord for whatever happened good. carson is much more understated about it. i mean, he's a person of very deep faith, but he doesn't talk about it very much. he's not--he's not a minister in the way that reggie was a minister. so, i think everybody can accept it, but here's the thing, erin. all of this is contingent on one thing, and that's playing well. ultimately, in terms of evaluating and in terms of how popular he's going to be here, is he going to be a guy
that's going to be a popular figure in this town? will people always be wearing the #11 jersey with his name? yeah, if he plays well. but--and this kid could--i mean, he could take his lumps. i mean, he still is a young quarterback. erin: how do you think he can handle negative attention, the boos? philadelphia fans, notorious. ray: sure. but i think he's--i think he can handle it. now, it's a big jump, i mean, coming from small college football, small stadiums, little media, to come up here to the big stadium with a tough, big media, with fans that will boo you. i'm not too worried about him 'cause, again, i think the one thing i would say about him is he has very high maturity level for his age, he's very mature for his age, and he's very grounded. he kind of--he's very comfortable in his own skin, he's very confident in his own ability. he won't--he won't brag, but you get the feeling that he really does believe in his ability. he believes in his football team, and i think he believes in his future. and i think that the fans here, they're fully on board
with carson wentz. they've been waiting-- they've been waiting since donovan mcnabb for a quarterback that they could really invest in, a guy they could really believe in, a guy that they think can win them a championship. and i think they have that belief in carson wentz. erin: always a pleasure talking to you, we could talk forever. all right, football hall of famer ray didinger, thanks for that. rosemary: the eagles take on the kansas city chiefs today. your first chance to see wentz in philadelphia is next sunday's home opener against the new york giants. coming up, swamped as homeowners in our area watch the images of florida and texas underwater. many are wondering if they're protected. next on "nbc10 @issue," we'll clear up some of the confusion about flood insurance.
and especially in our area, a lot of people don't have it, right? jocelyn wright: right. and primarily because people think that they're covered through their homeowner's or their renter's policy. but for flood insurance, that is not something that's covered in those policies. erin: so, totally separate. if you don't have it and your home floods for some reason, if you don't have it, that's it. jocelyn: right, you would not be covered for those damages. and so, you would have to use your own personal assets to, you know, replace anything that you have. now, if it's potentially in an area that might be part of a zone where the president has declared it a national flood, so for instance during tropical storm sandy, individuals may have been covered through there, but it's not as if you have the flood insurance through the national flood insurance program. so, you may be eligible for some grants and loans, but of course, with the loans, those are--those would have to be repaid. erin: so again, just to be clear, a basic homeowner's policy does not cover flooding.
jocelyn: it does not. erin: all right, how do you go about getting flood insurance? jocelyn: so, if you're in an area that is considered in a flood zone, you would get your coverage, it's through the national flood insurance program, but you would go through your normal property and casualty agent. so, if you have state farm, allstate, you would go through your agent in order to get that coverage. erin: can you buy flood insurance privately if you are not in a flood zone, but you feel you may just need it or want it? you know, i want that extra level of protection. jocelyn: yes. so, most people think that you may live in an area that's never flooded, so you don't have to worry about getting insurance. now, because we are in the time where the hurricanes are happening, more people are saying, "i need to look into this." and we know that flooding is one of the most common natural disasters. so, you can, if you're not in an area that is in a natural flood zone, you know, you may not be able to get it through the national flood insurance program, but there are surplus lines, so these are companies that can
sell you the policies as well if you're not in a flood zone. erin: so, what about the cost? and is there any way to lower it? jocelyn: with the cost, it's really--if you're going through the national flood insurance program--now, keep in mind, it's going to-- there are certain limits. so, for your house or what they call your dwelling, you can get coverage up to $250,000, so that's going to be separate. then your personal belongings, you can get coverage up to $100,000 for your home. if you're a renter, of course, you would get coverage up to $100,000 in personal property. so, keep in mind those limits. and on average, fema estimates that a premium, it's about $700. so, you know, it really depends. now, of course, the more coverage you need, the more expensive it will be. but people need to plan for that because, unlike your auto insurance where you might be able to pay monthly, you do have to make this in a one-time payment. so, you have to budget for that and make sure that you're able to pay it when it comes due. erin: very quickly, last question, if you do get insurance, are you fully covered if you do get
flood insurance? jocelyn: it depends on what the damage is. so, but you know, you want to make sure that you have records of all of your property so you can document any losses that you might have. erin: good advice, good tips. all right, professor jocelyn wright from the american college of financial services, thanks for that. rosemary: many homeowners avoid buying flood insurance, thinking they'll be covered by federal disaster aid. but even if you get a grant, anything over $5,000 must be paid back. next on "nbc10 @issue," legendary music producer kenny gamble needs your help. we've got the details when we come right back.
some have it, some don't. when the odds are stacked against you, you either hide or stand up. at strayer university we've seen it in our students for 125 years. and if you ever think of quitting, our success coaches will be there to pick you up and work with you every day to put you on the right path. it's time. strayer university. let's get it, america. the toll it takes on families can be overwhelming, and that's why one organization is supporting them directly. you can help the effort too by simply lacing up your sneakers. joining me now are philadelphia music icon kenny gamble and samoria brandon with the philadelphia branch of the sickle cell disease association. samoria is also the widow of walter e. brandon. saturday's sickle cell 5k walk and run is named in his honor.
thank you both for being with us. kenny gamble: thank you. rosemary: we love having you out every year before this event. so, samoria, tells about the kind of support that's raised during these walks, and the impact it has on people's families. samoria brandon: we're talking about roundtrip transportation to get back and forth to the hospital, case management services, advocacy, support groups, newborn screening follow-up, and all the things that will be related to providing resources and referrals for utility assistance, advocacy efforts. you know, if a mother is working and her child is in and out of the hospital, then that may threaten her ability to remain employed, you know, those kind of things. rosemary: kenny, big event happening on saturday, and we want the community to come out and support it. kenny: i think the importance of it is the awareness, making people aware of sickle cell. and the thousands upon thousands of people who have the sickle cell trait, they don't have the disease, but they have the trait, and i relate that back to my
experience is that when my son was--one of my sons was born, the doctor mentioned to me that, you know, he's got the sickle cell trait. and i didn't know anything about it, you know? rosemary: and that must have been scary on some level to hear that. kenny: sure it was, it was. i was shocked because i didn't know what it was. so, he said his mother doesn't have it, so obviously i had to be tested. and when they tested me, i had the sickle cell trait. so, i said to myself there's got to be thousands of young men out here that have the trait and don't know that they have the trait. so, if they know about it, and then if their behavior would conform to knowing about that, that you know, two people that are interested in each other, have some kind of intimate relationship, that they would talk about it, "listen, i have the trait, and you have the trait. here's the possibilities of what could happen." and that's what this means to me. this means to alert people.
we're really thankful that nbc10 is working with us because it gets the word out. and the greatest part of the whole thing is the word of mouth. tell your brothers, tell your sisters, tell your nephews because you have families of people that don't even discuss, you know, this as a health--and i'm just glad to be working with her. i mean, she knows the whole thing. rosemary: absolutely. kenny: so, we make a good team. rosemary: this is a dual effort, support obviously for the families who need it, and then raising awareness, getting people to come out to this event. the 5k walk/run is this saturday in fairmount park. as kenny said, you can walk it, you can run it, whatever. registration begins at 7 in the morning, and then the run kicks off at 8:30. the walk begins 5 minutes after that. that's it for this edition of "nbc10 @issue." thank you for joining us. have a great sunday, and let's go, birds. ♪
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