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Tuesday, September 19, 2017

Prayer and the Journey of Two Thousand Kilometers That Begins the Thousand Kilometer Trip

According to a modern Chinese proverb, a journey of a thousand kilometers begins with a single ordeal involving two thousand kilometers of back and forth trips to get approval to travel. At least that’s what the proverb should say to describe my life recently. After five days in a row of endless worrying and numerous trips, I finally found a route and submitted an an application that would seem to solve my problems, and today, a little over a week later, I would receive my passport back containing the temporary visa I needed. 

Friday morning Sept. 8, I made my fifth trip to the Shanghai Immigration Bureau in Pudong, nearly an hour from my home and office. With the help of two kind officials there and the help of others at my work and elsewhere, I ultimately solved what looked like a disastrous problem with my visa (residence permit) in China. As a result, I will be able to leave China later this month to attend a major international IP conference in Amsterdam that I’m partly in charge of (chairing a day, serving as a keynote speaker, a moderator, and an advisory board member), but throughout the entire week leading up to that Friday, there was reason to worry that I would be a shame-faced no-show at my  event.

Along the way, I learned that foreigners needing to attend international meetings can get special help that many experts don’t seem to know about. This help allows them to be able to leave the country and return while using a temporary M visa, which normally would not allow a return entry. Knowing about this option could come in handy for foreigners having trouble getting their work permit and residence visa renewed in time for the meeting they wish to attend.

I also learned that persistence pays off when facing visa challenges. I also learned that officials can be extremely helpful and professional, and even when they seem to be barriers, they may just be doing their duty faithfully and may give you important clues on what to do next, even if it seems like they are closing the door on you. Don’t give up, follow their directions, and you may soon find your problems over.

Background

China has strict regulations regarding foreigners in China. Working here requires a visa to get into the country, a work permit, and a then a residence permit (often simply called “visa”) to stay here. In my case, the work permit and residence permit need to be renewed each year, and the rules can change and catch individuals and companies off guard. A key lesson is this: don’t passively rely on your company or outside agency. Pay attention to your visa expiration date. Make sure you will be able to have your work permit renewed well before your visa expiration date because you can’t begin the renewal process for your visa without your work permit, and the work permit may require at least month of time.

I learned several other important lessons. One important one: always deal with officers with great respect and be cautious in every word. I thought I was doing this, but I said something that unintentionally offended one, and that nearly resulted in disaster. Further, I learned that a major roadblock at one office might turn into an easy pass at the same office, on a different day with a different official. Sometimes the rules in China are flexible and can be implemented with harshness or flexibility, depending on whom you talk to. There are many basic requirements that cannot be avoided, but there can be many other details that are subject to human interpretation. Understanding when the roadblock is due to a single human having a bad day or a rigid rule is key to negotiating complex situations.

So here are the details I faced and the paths I took that eventually resulted in success. My visa was set to expire Sept. 12, 2017. I was also scheduled to travel to Europe on Sept. 25, just after midnight, so it’s really like leaving Saturday, Sept. 24. My work contract was renewed in mid-August, shortly after I returned from vacation in the US, and then the HR department of my employer began an application for a renewed work visa. Near the end of August my work told me they needed my passport for a few days. I discussed my visa expiration with them and also my travel plans, and was told there would be no problem and that I would have my passport back soon. I somehow thought they would be processing both my work permit and my visa at the same time, but that was incorrect.

On Sept. 4, they returned my passport to me, but I could see that the visa issue had not been addressed. So I asked some questions and found that they could not submit my visa renewal request until they had the work permit approved by the government, and they didn’t know when it would come. Would it come by Sept. 12? Because if I don’t turn in a visa application by then, I’ll be illegal and in huge trouble. I was told my work permit could be approved by Sept, 12, but they were not sure. If the work permit did not come by that day, they would have to apply for a temporary M visa, and then later we could apply for the residence permit once we had the work permit. But upon further questions, I learned that applying for an M visa would lock up my passport for a couple of weeks, so starting an M visa on the 12th would not leave time to complete the process and have my regular visa in hand to allow me to leave and return to China.

HR told me that the M visa would allow me to leave the country once, but not return. To return, I would need to go to a Chinese embassy elsewhere and apply for a tourist visa to get back to China. This began to look risky. The city I would be in Europe, Amsterdam, has no embassy or consulate. I could go to another city after my conference, but it would be right before the National Week holiday, and I would expect the consulates to be closed. I also have heard that European Chinese consulates will process documents for Europeans but not Americans. Is that right? I sent an email to the Chinese embassy in Holland. That was about 2 weeks ago – still no response. Given the uncertainties of location, the possibility of complex rules and the likelihood of Chinese embassies everywhere closing down for the national holiday, the idea of getting a tourist visa after leaving China looked far too risky.

On Tuesday morning I had the brilliant idea of relying on my wife’s work to get me a spouse visa. We gathered the numerous documents that might be required and prepared for a rush application. But after contacting her school and my HR department and making additional inquiries, we learned that this route is not possible for an employed spouse and would require that my current company issue a document declaring that I had left work and was not employed. Definitely not a desirable solution. And even doing that in appearance only would destroy my existing and pending work permit and result in months of hassle and delay before getting a new one, if it would even be possible. Forget that.

So our choices became: 1) hope for the best and get the work permit by Sept 12, and then apply for the residence permit, with just enough time to have it by Sept. 22, the last business day before my trip, or 2) assume the worse and begin the M visa application process now. After receiving the M visa, I could immediately seek accelerated processing of the residence permit by paying a 2000 RMB fee  (about $300) out of my pocket, and there would be just enough time, if all went well, to get the residence permit before my trip to Europe.

After prayerfully considering things, my wife and I both independently felt we should choose option 2, assume the worst. This would involve a great deal of hassle and some expense, but would reduce overall risk. Of course, if we were wrong about assuming the worse and if, instead, my work permit was approved by Sept. 12, it would be too late to abandon the M visa, and we would be pursuing a path that would waste a lot of time and money and even increase the risk of disaster because any glitches in the process might cause enough delay to overthrow my plans.  It would be so nice if we could just get that work permit approved by Sept. 12, and then have time for a normal visa application. But the path of hope felt too dangerous. We choose to assume the worst.

With a cluster of documents in hand, on Wednesday morning, Sept. 7, I began the long trek to the Immigration Bureau in Pudong, about 1 hour by taxi from our home.  I was one of the first in line. When it was my turn, I talked to an official behind a window and explained my situation with a meeting in Europe I needed to attend, an expiring visa, a work permit in process, etc. She looked at my documents and said I was missing an operating permit/business license for APP. Could I get that? And then she said there may be a route for me but I needed to first talk to a leader. “A leader? Where?” I asked. “Over there, at windows 6 through 8,” she said. So I went over to a special section where people were waiting to see one of these mysterious “leaders.” While waiting, I called my colleague at work, our IP manager, and he was able to immediately fax a copy of our business license to the fax receiving office at the Immigration Bureau, which I was able to quickly pick up while my place in line was held by my bag and the help of the line attendant. I came back and felt I had all my documents ready and soon it was my turn to talk to a leader.

I spread out my documents and called attention to the printed information about the World IP Summit I was attending in Amsterdam, where I am the chair for day one and also a keynote speaker, panelist, moderator, and board member. This “leader” (as I assumed she was) said since this involved an urgent international meeting, the Immigration Bureau did have a special route that would help me. I could apply for an M visa plus receive a one-time-exit-and-entry pass that would allow me to come back into China. Wow, problem solved!

But the letter my HR department had issued with my documents, the letter describing my problem and need, was wrong. It made no mention of my meeting and needed to be rewritten to request that special exit-and-entry pass in order to attend an international meeting. China did have a solution for such situations, reflecting a wise awareness of the importance of having professionals attend international conferences, exhibitions, etc. Until that moment none of the experienced people I had talked to in APP and outside of APP in my numerous attempts to get help had shown any awareness of such a route. It would prove to be a surprise to all of them. Since it is not well known even among those handling visa issues all the time, I feel it is important that I share this information for those it may help one day.

The kind, helpful “leader” had suddenly filled me with hope and confidence. All I needed was to rush back to the office, get a new introduction letter written and stamped (nothing is official it often seems unless there is a red official stamp on it), and then rush back to the kind “leader” to hand her my documents for approval and smooth sailing.

Back in the office, with the help of our IP manager, I soon had the corporate stamp on a newly drafted letter. The letter requested that the M visa be valid for 2 months from today (30 days is the max, I would later learn) to leave enough time to still process the regular visa after my return on Oct. 7. My colleague also got my more formal stamped copies of our business license and operating permit. And so, back I went to the Immigration Bureau, happy and confident with the end in sight at last.

On my way, I would be joined by Paganini, a Chinese artist who sometimes is an extra Chinese teacher whom I pay for occasional help with translation or bring along when I might need a native speaker. He had called asking if we could meet today, and instead of putting him off, I felt he could help with the final touches of the visa process, and so invited him to come along with me to the Immigration Bureau. He would spend the whole exhausting afternoon with me.

I got right back in the same line to see the “leaders” and soon had my chance to go over to the kind woman who had given me such hope. She recognized me and then seemed to scowl – what? just my imagination? – and in a curt, jerky motion pointed to the empty window next to her and told me to sit there and wait. Huh? Something had changed, I feared. What’s going on? After a few minutes a  woman in a police uniform came over and began the interrogation. “What do you want?” From her voice, I sensed something was wrong already. Had my case been discussed and found wanting? Maybe it’s just the endless stream of clueless foreigners that takes its toll on the hard-working, very professional police staff who work there, I don’t know, but she seemed to know I was trouble. Perhaps my sense of relief and confidence from the morning was annoyingly present, I don't know.

I explained that I had a meeting in Europe and was chairing part of it and .... She suddenly asked me to quit talking so much. This was not an encouraging response. “Who told you could get a pass to come back into China?” Then came my biggest mistake, I think. “A leader.” “A leader? Who?” “Yes, the leader next to us.” “No, she’s not a leader. I’m the leader. She’s my employee.” Oops. I had assumed that everyone working at windows 6 through 8 were the “leaders” and did not recognize that there was just one actual leader, and so perhaps I had insulted her and downplayed her authority. Maybe it didn't matter to her really and she was just clarifying things for me, but I felt I had done something very stupid. This was the appropriate time to break out into a vigorous and humbling sweat, abandoning all hope as the glorious light at the end of the tunnel was replaced with a massive locomotive of doom coming straight at me. She glanced at my documents and said, “Where is your work permit?” “Why don’t you have it?” When was it applied for?” “Why don’t you know?” At this point I saw nothing but doom, but she was actually just being professional, direct, and helping me understand what was missing. But in my mental state, I just heard, “Abandon hope. You aren’t going to Europe.”

I pointed to the printouts HR had given me from the work visa submission portal, but she wouldn’t look at the details there because these were not official documents – no stamp! My friend, Paganini, jumped in an tried to help explain things. She asked who he was, told him to not interrupt, and was not impressed. She began speaking rapidly with some kind of directions. I apologized that my Chinese was not very good and asked if she could she please speak more slowly. Instead, she switched to English, rather good English, which caught me by surprise. But it was hard to hear clearly, especially in my panicked mental state, in a noisy environment, as she spoke from behind a glass window. She told me that I needed to go to the Label Department. The Label Department? Yes, and then I can get a label stamp. A label stamp? Yes, the label stamp. I didn’t dare ask too many questions, and was desperately hoping that our HR people might know what a “label stamp” was.

“Excuse me, could you tell me where to go to get the label stamp?” She handed me a sheet of paper with many offices listed and circled one. Bingo, a ray of hope. Perhaps I could go there, get the label stamp on my printout or something, and maybe come back and try again? But, she warned, my request seemed unreasonable and at best she might give me a pass for a few days but not for such a long period of time. Alas, no hope. Ok, I get it, thank you, so sorry to have bothered you, and now we’ll just go away and abandon hope, thank you, or maybe try to work on that label stamp. So sorry for the trouble! And off I went, dripping in sweat and consternation. I must have looked even more ridiculous than when I started.

It would be about three hours later, after Paganini and I had faced further disappointment, that I finally understood what I should have understood immediately. The stamp we needed was not a label stamp from the label department – I heard her incorrectly (her English was excellent) – but a stamp from the Labor Office that handles work permits. A labor stamp! One mystery solved. That recognition came after we had already gone to the office she had circled for us to visit. It was the Jingan District labor bureau and after waiting there about an hour, we finally talked to a very kind, smiling officer – everyone there seemed friendly and service oriented, such a delightful place that filled me with the hope of getting some help. This smiling officer looked at my printout and said it looks like my work visa was being handled by the Hankou District labor bureau, not this office. Sorry, you’re in the wrong place. Sigh!

She kindly wrote down the address of the Hankou office that we would immediately rush to: 123 Zhongshan North Road, or so I thought. So both of us thought. It took 3 tries for a taxi to be willing to take us there (the first two rejected us because we only had an address, not a cross street). The third used GPS and took us on the long journey to what suddenly looked like the wrong place. No sign of a government office there. The cabbie then looked at out little slip of paper and noticed two overlooked tiny little marks that turned the address into 1230 Zhongshan North First Road, a place still quite far away. By the time we got there, just minutes after 4:30 PM, the labor office was closing, which was a shock since the Jingan office we came from was opened until 6 PM, so I thought there would be plenty of time. Missed it by minutes. A loss. But there was probably no hope anyway.

The leader at the Pudong bureau seemed to have put us back to option 1, hope for the best and pray that we get the work visa by Sept. 12. I was sick of wasting so much time on this fruitless chase. Three days had been ruined. Tomorrow I would get back to my innovation conference and do something more productive for my company than chase after an elusive visa.

One of the many blessings along this path, a painful path in which every step helped and ultimately blessed me to get what I needed, was that the innovation conference was particularly poor, at least in terms of my needs on that Thursday morning. It’s one that I had spoken at previously and now had a free ticket as a former speaker. While the lineup looked great, there was something about the setting and the audience that hinted of low energy right away, and then the first two speakers I heard disappointed me. I wasn’t getting anything out of this event and was feeling more and more antsy, feeling that I was wasting my time here and actually began feeling that it was time to get back to my visa process, that I couldn’t stop yet and couldn’t give up on my plans or fall into the “hope for the best” option. Go!

So as a speaker was fumbling around trying to help the conference organizer find her PPT slides on her jump drive, I just walked out quietly and decided to go the Hankou labor office again. I reasoned that if I could just get their help to ensure my work permit is approved by Sept. 12, my problem would be solved. I’d go there for a few minutes and then go back to the innovation conference in an hour or so. But I would never return.

The Hankou labor office staff member was very friendly and kind, but told me that could do nothing to accelerate the process, and that it might not be ready by Sept. 12. Sigh! Could I get a stamp on my printout from their website to answer questions for the police woman at the Immigration Bureau? No, they couldn’t do that, but there was a stamped document they had already given my work that I should go get. I called HR and they said the document I needed was with our visa service firm that handled visa work, and their office was just around the corner from the labor office where I was. So I went there and surprisingly was able to get help right away from a man who is normally quite busy. He produced the stamped labor document for me, giving me the original and a copy, and also was the first one to give me detailed answers to my questions. He explained that the safest route probably was to get the M visa. If I applied for it that day, there would be time to get my M visa and then, with an accelerated residence visa process, just barely enough time, not a day to spare, to pick up my visa and passport on the last business day before my trip.

Time was of the essence, though, so off I ran once again to the Immigration Bureau. I got there during their lunch and had to wait an hour before processing began. I took a number for the regular service windows, but seeing that there were about 40 people ahead of me, figured I would have time to first go through the special line to see the “leaders,” where I decided to risk talking to the police woman again and apologize profusely for my stupid mistakes and ask for mercy. I was soon invited to the dreadful window where my hopes had been dashed yesterday, but this time it was a different leader, a man in a police uniform. I humbly sat down and tersely explained my situation, handing him the letter. He asked to see information about my meeting and proof of the tickets I had bought, and then he said, “What you need is an M visa with a one-time in-and-out pass to attend an international meeting. Here, I’ll sign a note to that effect for you on your M Visa application form. Your pass will be good up to the day you return, Oct. 7.” Boom. In seconds, my dashed hopes were restored. He sent me back to the regular processing area where I was already queued in the system. Wonderful! Could it be so easy after all?

As I went back to the regular waiting area, I had another moment of panic. I was suddenly missing the passport photos that I had printed and had in a clear plastic bag inside a larger for safekeeping. I had them moments earlier and would need them now. I traced the few steps I had taken, looked under chairs, talked to a maid, talked to the line attendant, looked around the window where I had just been seated, checked my belongings again – they were truly gone and I never figured out what happened to them. In about 10 meters of walking I had lost them. Now what? It looked like I still had about 5 minutes before my number came up. I remembered that you could get passport photos taken on the ground floor, two stories below, so dashed down the escalator, ran over to the photo area, was amazed that there was no line to wait in, and immediately had a photographer taking my photos. I paid for them and then they were printed, and I dashed back up the escalator. When I arrived, my number was listed. Window A10 was open and waiting for me. Seconds later I would have lost my place and would have had to start over with a long queue.

She examined all my documents and the signed note from the leader. She said she could give me a 30-day M visa that would expire on Oct. 7. I recalled that my airplane was scheduled to arrive t 11:15 PM on Oct. 7. If it was a little late, it would be Oct. 8 when I reached customs. That would be a problem. What could I do? She said I could come back the next day, Sept. 8, and get a visa that would expire Oct. 8, giving me some extra cushion. But I was so sick of all the time I had spent already that I just wanted to hope that the place would be on time and that all would be well. I told her to process it today. OK, and she gave me a printed receipt for my M visa, including the electronic photo I had just taken (it was probably for the best to have the convenience electronic photo in their system) and folded up all my papers and passport and put them in a stack somewhere.

Off I went, relieved to be finished – and then I began to worry that I had made a terrible mistake. Even if the plane was on time, it would be hard to get to customs before midnight. Lines could be huge and slow. And it could take a long time to deplane. What was I thinking? Gave it a bit of thought and prayer and realized that of course, yes, I needed to change. So I turned around and went back to the same woman and apologized. “I’d like to start this tomorrow if possible.” She was OK with that and handed my back my materials.

Friday morning I was back and the same woman who was familiar with my situation and had examined my materials took them again, reprocessed my M visa application, and moments later handed my new receipt. My passport would be ready Sept. 19, today, and I would indeed receive it with a beautiful M visa that expires on Oct. 8, with a one-time entry pass and a note that I get another 30 days once I enter China again. Whew! Problem solved.

The part about restarting the clock with another 30 days was something I didn’t understand at first. In fact, after turning my materials in on Sept. 8, I was halfway to work again when I began to worry again. I would come back Oct. 7, my  visa would expire Oct. 8, a Sunday, and then I would be illegal on Monday, Oct. 9, before I would have time to apply for a residence permit. What to do? So I turned around and went back to the Immigration Bureau for my 5th time and asked the same woman this question, who kindly explained that I would get another 30 days upon re-entering China. Nice!

So many frustrations and problems, but the problems were solved as helpful officials explained a route that I didn’t know existed. But next year, I’ll be careful to avoid travel plans that might run unto these kind of trouble near visa renewal time, and I will take more initiative to make sure my work visa is being renewed well before my visa expires so there is enough time to be sure of getting it back first. Don’t want to go through these experiences again! But am grateful I did. I feel like I learned a lot about China in the process, and feel so grateful that everything I needed was provided in the end, just in time.

I also was reminded that even when things go wrong and disaster seems to be looming, positive steps to take can be found through prayer. The whole journey of this process was the result of many small blessings that ended up teaching me many things, some of which may be beneficial to others later. Don't give up prematurely and never give up on prayer in dealing with all your challenges.

Finally, as I waited for my passport to be processed, the final lurking question was when would my work visa be approved? If it was approved on July 12 by about 3 pm, then this whole tedious process would have been unnecessary. I could have just waited patiently, got the approval, and then submitted my normal residency permit application that day. Had I wasted a week of effort for naught?

My work visa was finally approved on Sept. 13, one day too late for the optimistic approach. The effort was needed after all. In fact, my personal, time-consuming effort was needed because had I relied on others to process this, the ideal route would not have been discovered. Plus had I tried to rely on our outside agency, the delays that would introduce would probably have resulted in further trouble and ultimately left me having to cancel the trip.


Saturday, September 09, 2017

Provident Living Just Got Harder, Courtesy of Equifax: Some Steps You Can Take (Hint: You Need a Credit Freeze)

Equifax is one of three large credit agencies that provide a valuable public service. They collect, gather, and store vast amounts of information about you and your purchases and payments, all without your consent and with no opt-out feature, thus providing a vital central source of information for the benefit of the community -- the hacker community, the spy community,  the organized crime community, and the financial services community (not necessarily mutually exclusive communities).

Equifax, like some of the communities they serve, sometimes has certain "issues" that might affect us. Issues like gross incompetence in protecting the sensitive data they collect without our permission. Issues like failing to take appropriate corrective actions. Issues like failure to act swiftly when there is a hacker attack.

You may have just learned that 143 million consumers just had their personal records hacked at Equifax. You learned it this week. Equifax executives learned about it on July 29 when the breach was discovered. One of the largest and potentially most harmful data breaches in history, one that most likely involves you and your data, addresses, many credit card numbers, social security numbers, and almost anything an identity thief might want. About half of Americans are now at risk for identity theft--actually about 2/3 of all Americans with a credit history.

This hacking attack had been going on for over two months before Equifax, with their horrific security, finally noticed the attack. Hackers had been progressively going deeper and deeper into their system. Ten weeks of probing, downloading, stealing, before Equifax woke up.  They failed to learn, for this was the third time in 16 months that Equifax has been hacked (other attacks were earlier in 2017 and in May 2016). Why so slow? And why was the response so slow when they found out?

Oops, my mistake, there was a swift response. The breach was discovered on July 29, a Saturday. It probably was shared internally among top executives by Monday, July 31. Then on the next two days, Aug. 1 and 2, right after  Equifax discovered this devastating attack that surely would result in heavy selling of their stock, 3 top executives at Equifax acted swiftly to protect, uh, their own interests as they sold $2 million of their sharesAccording to CNBC, "Chief Financial Officer John Gamble Jr., workforce solutions president Rodolfo Ploder and U.S. information solutions president Joseph Loughran, sold $2 million of Equifax stock on August 1 and August 2, ensuring that those shares would not face the pummeling that Equifax stock might face once the news broke out (down 13% right after the news -- is that all? no serious pummeling?).

Back in the good ol' days, this kind of thing might have been called "insider trading" and was strictly illegal. People would go to jail for it -- yeah, imagine that, it really happened! Real jails, even. But avoiding legal nuisances and being free to act as you wish seems to be the primary benefit of being a real insider with strong inside connections to the people supposedly in charge of enforcing what we used to call "the law." Per CNBC, Equifax has admitted that these executives sold "a small percentage" of their shares but insists that they really, really didn't know anything about the data breach. Nope, not a thing.

Perhaps those executives really don't know squat about their business. Perhaps just being an "information solutions president" doesn't mean you have access to actual information such as IT knowledge. Maybe it was just lucky timing, all a coincidence. Yes, it could be. But to me it seems like there should be a serious investigation and some bullet sweating here.

Over a month after discovering the massive attack, Equifax leaders finally decided it might be good to let the victims know what was happening to their data. Not like there's a need to hurry or anything, right? There was also a very fitting apology from the elites, issued directly from the mouth of Equifax CEO Richard Smith, who kindly took the time to say, or have his secretary say, “I apologize to consumers and our business customers for the concern and frustration this causes.” There you have it. There might be some frustration down the road as you, say, lose all your assets and find your life ruined, but know that Equifax understands that this can cause "concern" and has apologized. Check.

Simon Black of SovereignMan.com suggested a better apology:
Due to our utter incompetence and failure to learn from recent mistakes, we totally screwed 143 million people who never even consented to us monitoring them. And rather than even let them know right away, we quietly took care of ourselves first. We have that little respect for the public.
But let's not quibble over the ideal wording. The elites have done their duty with a standard apology and have gone back to business as normal. But for the rest of us, now what?

There are some steps you can take now to protect yourself. The most important one, though, will be to get a credit freeze on your account to stop criminals from opening accounts in your name.

First read CNET's "A guide to surviving the Equifax data breach (without Equifax's help)."  Also see the CNET story, "Equifax data breach: Find out if you were one of 143 million hacked." You can get started in protecting yourself by going to Equifax's page for one year of their weak "Trusted ID" program of credit monitoring. Enroll for that service here: https://trustedidpremier.com/eligibility/eligibility.html.  You can get the "Trusted ID" service for one year this way (but the stolen data will be used against you for many years, even decades to come, as Clark Howard wisely warns). Enter your last name and the last 6 digits of your social security number to get in line to enroll (how ridiculous that you can't enroll in one step!). If you get a response that says "Based on the information provided, we believe that your personal information was not impacted by this incident," don't trust that because it has been shown to be unreliable (what, something unreliable at Equifax?). Assume you have trouble and continue to enroll.

Clicking on the "enroll" button will give a date on which you can come back and continue enrolling. Snazzy, eh? I love what advanced programming skills can achieve. Please carefully note the enrollment date it gives you and go back on or after that date to try your luck in enrolling.

Obviously, Equifax believes that there's nothing urgent about this whole security business thing and that fear-mongering buzzword, "identity theft." And Trusted ID boils down to trusting the company who snatched and released all your private data to now somehow protect you from identity theft. Well, don't depend on that, but if it's really free for a year, might as well get it. It adds a level of security to your records and some form of insurance but doesn't begin to solve all the problems. You can also enroll relatives who aren't computer literate. (If you don't know their social security number, just ask any local hacker to check Equifax records for you, or give your relative a call to get the last six digits. And then, for good measure, lecture them for giving even part of their social security number out over the phone, given all the people who are probably listening these days.) 

For real protection, freezing your credit accounts, which we did long ago, is a smart step. This makes it very hard for a thief to open a credit card account in your name (also hard for you to open new credit card accounts, but still possible). Clark Howard thinks Equifax's Trusted ID is a waste of time and on his page, "Equifax breach: How to protect yourself from what’s coming next," recommends this instead:
The only way to truly protect yourself is with a credit freeze.

Lets say your information was exposed and criminals do try to open new lines of credit in your name — well, they won’t be able to if your credit file is frozen.

A credit freeze seals your credit reports and provides a personal identification number (PIN) that only you know and can use to temporarily “thaw” your credit when legitimate applications for credit and services need to be processed. So even if criminals try to use your info, they won’t be able to actually do anything with it.

And this goes for anyone, not just those impacted directly by this breach.

How to protect your identity: Take these 2 steps

1. Sign up for Credit Karma’s free credit monitoring: Go to creditkarma.com to sign up for a free account and you’ll get access to free credit monitoring. If they notice any suspicious activity, you’ll get an alert. Plus, Credit Karma also gives you free access to your credit scores and reports, as well as tips on what factors are impacting your credit.

2. Freeze your credit with all three main credit bureaus: By freezing your credit files, you can prevent criminals from using your information to wreak havoc on your financial life. Even if your info was not exposed by the Equifax hack, this is the best way to protect your identity and your money.

Check out [Clark Howard's] Credit Freeze Guide to learn how to freeze your credit with each main agency.
Please get a credit freeze.

The impact of this data breach on American lives could actually end up being greater than Hurricane Irma. Once hackers take your identity, you might as well have a hurricane rip your home to shreds, it can be that painful and costly.

Meanwhile, carefully examine your credit card activity for unusual charges and also get a free credit report to see if there are unexpected events happening like accounts with late fees or something that you never opened. You can also sign up for a free 90-day fraud alert. Details on all that are provided in the second CNET link above (here).

Our critics charge that Mormonism is all about money, which is not true. But having all your money stolen makes it a lot more difficult to enjoy certain aspects of life related to our religion, like having a home for family home evening, a vehicle or bus pass to go to church, food for food storage, a suit for that missionary you are sending off, and so forth. You can still get buy, but I'm hoping you will avoid unnecessary loss and be in the position of being able to generously help others with your resources. Get a credit freeze and be safe.

For those of us who already had a credit freeze in place, one legitimate question is this: did the hackers also access the PINs or passcodes that can be used to override a credit freeze when a customer wants to open another account? If so, then I might have a problem. I'll try to find out. If you know, please tell us. Meanwhile, I hope regulators will investigate Equifax for insider trading and the gross negligence in allowing this breach, catching it so slowly, and not alerting the victims promptly. And may consumers be given the ability to opt-out of such services that make us and our identity sitting ducks.

Tuesday, September 05, 2017

Fifty Years of Chiasmus in the Book of Mormon: The Story of Its Discovery

One of my favorite stories from the world of Book of Mormon studies is the discovery of chiasmus in the text by a young missionary serving in Germany. Fifty years later, the scholarship of Jack Welch on this topic has stirred significant related work from many who have looked at the Book of Mormon with new tools and insights. Here is a video from Book of Mormon Central which beautifully shares Jack Welch's story.



I have been inspired by his work and many of us have come to better appreciate the richness and antiquity of the Book of Mormon, aided by Dr. Welch's scholarship in this area.

Many thank to Brother Welch and the good folks at Book of Mormon Central. A video of this quality takes a great deal of effort. I hope you'll enjoy it.

Friday, September 01, 2017

Heroic Salt Lake Woman Stands Up for Law, Order, and a Patient's Rights -- and Gets Arrested by Salt Lake Police

I am a law and order guy. I was raised in a family with a mother who had a "Support Your Local Police" bumper sticker on our car, and I was proud of that. It's a motto that I still use and stand by. But we live in a society where local police are increasingly becoming militarized in attitude and hardware, and sometimes depart from their role of defending our inalienable rights. I've previously mentioned the horrific problem of "civil asset forfeiture" in which local police can seize your assets without a trial, without a warrant, without due process, and then profit from what they take (getting to keep 80% of the takings, with 20% going to the Federal Government). About 80% of those cases never have criminal charges filed, so the excuse that it's just being used to go after criminals is unfounded. It's a grotesque violation of the Bill of Rights that the Trump Administration firmly supports.

Attorney General Jeff Sessions just lifted a weak restraint against this corrupt practice that had been imposed during the Obama Administration, showing us that the Bill of Rights really is becoming meaningless. But the US Constitution is still there, it's still the ultimate law of the land, and those liberties are God-given regardless of what corrupt officers say. Citizens are still right to insist on their rights and to stand up for the rights of others, though preserving those rights often requires courage.

That brings me to the story of Alex Wubbles, a heroic nurse in Salt Lake City.  Alex showed great courage in standing up against a Salt Lake police officer who was clearly breaking the law and seeking to violate the rights of an unconscious patient. This woman stood up for the law and for that patient, and ended up being manhandled and arrested by the officer, and then rudely lectured by his supervisor as if she was the problem. Those who denounce police in general, sometimes in the interest of agitating and stirring up revolution, are especially interested in this story, but it should be most meaningful for those of us who want to support our local police and yearn for a civil, peaceful society with the rule of law under the largely inspired principles of the US Constitution.

A good overview of the story is "Infuriating: Police Arrest on Duty Nurse For Refusing to Break Law" at ZeroHedge.com (warning: that site tends to have a lot of profanity in the comments). Watch the video there or below to see Alex's calm courage. She appears at about 5:27 and the violent arrest occurs shortly after that. You can also read a follow-up story at the Salt Lake Tribune. An excerpt from the ZeroHedge story follows:


“Is this patient under arrest?” Alex Wubbles asks the officer, being instructed by legal counsel on the phone.
“Nope,” the officer says.
“Do you have an electronic warrant?” She asks, searching for a way to legally comply with the officers.
“No,” The officer admits bluntly, getting annoyed.
The police did not have a warrant. The police did not have probable cause. The man was not under arrest. The unconscious patient could not consent.
The nurse, Alex, printed out the hospital’s policy which the Salt Lake City Police Department agreed to. She showed it to the officers. She clearly and calmly listed the three things which would allow her to give the police the blood sample: a warrant, patient consent, or a patient under arrest.
The police had none of these things.
“Okay, so I take it, without those in place, I am not going to get blood?” The Officer Jeff Payne is heard saying behind his body cam.
The legal counsel on the phone tries to tell the officer not to blame the messenger, and that he is making a big mistake.
Then, the officer attacks the nurse, Alex Wubbles. He drags her outside, and handcuffs her, while she cries.
“What is going on?!” She says exasperated, wondering why they are doing this to her.
She couldn’t just break the hospital policy and put her job in jeopardy because some police officers illegally told her to. She couldn’t simply collude with the lawbreakers–the police–and illegally hand over a blood sample on behalf of an unconscious patient.
That would have opened her up to lawsuits and job loss.
The officers were, in fact, breaking the law. They had no legal right to demand blood from an unconscious patient who could not consent.
The man they wanted blood from was a truck driver who had struck a vehicle being pursued by the police. It is unclear why they would even need a blood sample from the victim.
But none of these legal facts stopped the police from placing the nurse under arrest.
Wubbles was handcuffed and placed in a police vehicle. She was never actually charged.
You could chalk this up to one crazy officer, Detective Jeff Payne with the Salt Lake City Police.
But then his supervisor showed up to the scene. While the nurse was handcuffed in the cruiser, the supervisor started to lecture her.
“There are civil remedies,” he said, telling her she should have broken the law when the officer told her to. Of course, this ignored the fact that she would have been caught up in the civil action against the officers!
It’s like an episode of the Twilight Zone as the Supervisor lies and says the nurse was obstructing justice. All the nurse wanted was a warrant signed by a judge, the legal requirement to execute a search! And yet not just Officer Payne, but his Supervisor insist that she should have given them what they wanted, without a warrant.
What? Yes, go get a warrant! That is what you have been repeatedly told by the nurse and hospital staff!
You can tell from the video she is not some anti-cop crusader. She was legitimately trying to do her job and follow the law to the best of her ability. Before she is arrested, you can tell she is worried and uncomfortable, trying her best to keep the situation calm and professional.
And then the police handcuffed and dragged a crying nurse out of the building to intimidate and harass her further.
She is a strong woman. She stood up to their bullying and lies and did not give in. Despite the best efforts of the police, she would not help them violate the Fourth Amendment rights of her patient.
The supervisor told the nurse that she should cooperate, and if something was illegal in their request, that there would be "civil remedies" later. Ridiculous. She would have been violating the law and very likely would have been sued for so doing. She could lose her job, lose everything, while also losing her integrity. That's what the supervisor expected of her. This reflects not just one rogue cop having a bad day. It reflects a mentality that needs to be rooted out. It reflects a growing loss of personal liberty in the United States. Citizens need to understand their rights and stand up for them. 

Thank you, Alex Wubbles, for defending the rights of an innocent, uncharged, unconscious patient. Thank you for standing for law and order in an increasingly lawless society where the law breakers aren't always just hoodlums running from the police.

A badge and a gun do not define the law, although some people feel that law is whatever those with the guns say and demand. May we return to a safe, civil society with the rule of law and law that conforms with and protects the inalienable, God-given rights of individuals.

Fellow Utahans, don't ignore this troubling story. Don't ignore the loss of personal rights as long as it's just someone else being dragged away in cuffs for doing what's right. Once liberty and basic rights are lost, they are not easily regained. Speak up. Support law and order, and help our local police become the kind of local police who not only refuse to participate in illegal civil asset forfeiture, but who won't abuse their power to get their way and trample on the rights of others.  We need effective local police whose leaders ensure that they follow and respect the law, particularly the Bill of Rights. Local police who respect their local fellow citizens should be a part of our local community that we are all proud of. Change is needed in Salt Lake and around the nation to regain that.