December 24, 2015 Page 7 Finance What You Can Do To Protect Yourself From Card Fraud In 2016 of EMV technology, if fraud occurs on your account and you have a chip-enabled card, the merchant will be responsible for the costs in most situations. Also, banks like Chase offer zero liability protection - you won’t be held responsible for unauthorized charges made with your card or account information. • Monitor your credit reports. Although you’re entitled to a free report from all three major credit bureaus once a year, checking your report more often can help catch signs of fraud earlier. 24 • Opt for secure Hour paperless billing. Theft of Service paper documents,Since 1990 such • Lic # 770059 as from • C-42 your C-36 C-mailbox 34 C20 A or trash, is still a top way fraudsters obtain information. By going paperless, you eliminate an opportunity for someone to steal your statement and get your account information. • Switch to secure online or mobile payments to help protect your account information. Online payments add layers of security to your transaction and can help ensure you never miss a payment. • When using your card in a store, never allow the card out of your sight. If you have to enter a PIN number to use the card, be aware of who’s standing around you and shield the keypad from view when you type in your PIN. To learn more about how Chase partners with customers to protect against fraud, visit www.chase.com/fraud-security. • (BPT) - You may have already received your new credit or debit card equipped with a microchip. If you haven’t received your new chip card, you most likely will by the time your card expires. The EMV chip technology is intended to help reduce debit and credit card fraud, and thanks to a collaboration between America’s payment networks and card-issuers, you’ll see many more merchants using EMV-equipped card readers over the coming months. Chip-enabled cards store the same basic information that’s already in the magnetic strip on the back of your card, such as the card number and expiration date. They add a layer of fraud protection by producing a single-use code to validate every transaction. While EMV technology is intended to reduce card fraud, it’s still important to be aware of how fraud happens, what you can do to prevent it and what your card-issuer does to help protect you. “Fraud prevention is a partnership between cardholders and the bank,” said Pam Codispoti, president of Chase Consumer Branded Cards. “By working together, we can help customers keep their accounts safer and more secure.” Chase offers some tips to help painting you stay alert to fraud while you holiday shop and in the New Year: • Keep your contact information, including phone number and email address, up to date so the card issuer can contact you quickly if they detect signs of fraud on your account. • Review your card agreement to be sure you understand what anti-fraud measures the issuer takes. For example, Chase uses specialized monitoring tools to keep an eye on your account 24/7. • If your card company or bank offers it, sign up for account alerts to monitor your finances and keep your accounts safe. Most issuers will allow you to choose to be alerted to any unusual account activity via text, email or phone call. • Review your statements every month to ensure all charges are accurate and authorized by you. If you spot a charge you don’t recognize, contact the card issuer or bank immediately. With the shift to greater use PAINTERS PLUS INTERIOR • EXTERIOR PLUS IMPROVEMENTS • REPAIRS FREE ESTIMATES LOWEST PRICES • GUARANTEED QUALITY 5 YEAR FREE MAINTENANCE SERVING THE BEACH CITIES FOR OVER 20 YEARS CALL DON 310-798-0450 LIC # 726089 NASA’s Fermi Satellite Kicks off a Blazar-Detecting Bonanza black hole, which is greater than the distance between our Sun and the nearest star. The gamma rays came from a galaxy known as PKS 1441+25, a type of active galaxy called a blazar. Located toward the constellation Boötes, the galaxy is so far away its light takes 7.6 billion years to reach us. At its heart lies a monster black hole with a mass estimated at 70 million times the Sun’s. As material in the disk falls toward the black hole, some of it forms dual particle jets that blast out of the disk in opposite directions at nearly the speed of light. Blazars are so bright in gamma rays because one jet points almost directly toward us, giving astronomers a view straight into the black hole’s dynamic and poorly understood realm. In April, PKS 1441+25 underwent a major eruption. Luigi Pacciani at the Italian National Institute for Astrophysics in Rome was leading a project to catch blazar flares in their earliest stages in collaboration with the Major Atmospheric Gamma-ray Imaging Cerenkov experiment (MAGIC), located on La Palma in the Canary Islands. Using public Fermi data, Pacciani discovered the outburst and immediately alerted the astronomical community.handyman Fermi’s Large Area Telescope revealed gamma rays up to 33 billion electron volts BILL’S (GeV), reaching into the highest-energy part of the instrument’s detection range. For comparison, visible light has energies between about 2 and 3 electron volts. Following up on the Fermi alert, the MAGIC team turned to the blazar and detected gamma rays with energies ranging from 40 to 250 GeV. “Because this galaxy is so far away, we didn’t have a strong expectation of detecting gamma rays with energies this high,” said Josefa Becerra Gonzalez, a researcher at NASA’s Goddard Space Flight Center in Greenbelt, Maryland. “There are fewer and fewer gamma rays at progressively higher energies, and fewer still from very distant sources.” The reason distance matters for gamma rays is that they convert into particles when they collide with lower-energy light. When a gamma ray encounters starlight, it transforms into an electron and a positron and is lost to astronomers. The farther away the blazar is, the less likely its highest-energy gamma rays will survive to be detected. • Looking Up Based on press release from NASA’s Goddard Space Flight Center, provided by Bob Eklund A long time ago in a galaxy half the universe away, a flood of high-energy gamma rays began its journey to Earth. When they arrived in April, NASA’s Fermi Gamma-ray Space Telescope caught the outburst, which helped two ground-based gamma-ray observatories detect some of the highest-energy light ever seen from a galaxy so distant. The observations provide a surprising look into the environment near a super-massive black hole at the galaxy’s center, and offer a glimpse into the state of the cosmos 7 billion years ago. “When we looked at all the data from this event, from gamma rays to radio, we realized the measurements told us something we didn’t expect about how the black hole produced this energy,” said Jonathan Biteau at the Nuclear Physics Institute of Orsay, France. He led the study of results from the Very Energetic Radiation Imaging Telescope Array System (VERITAS), a gamma-ray telescope in Arizona. Astronomers had assumed that light at different energies came from regions at different distances from the black hole. Gamma rays, the highest-energy form of light, were thought to be produced closest to the black hole. “Instead, the multi-wavelength picture suggests that light at all wavelengths came from a single region located far away from the power source,” Biteau explained. The observations place the area roughly five light-years from the HOME & APARTMENT MAINTENANCE CONTRACTOR QUALITY at Handyman Prices. We cover everything from A-Z. Bill Henrichon Cell: 310-890-7531 Office: 310-542-3470 Billshomeandaptmain@yahoo.com CA ST LIS# 786081 / Licensed & Insured 2011 2012 2013 Serving the South Bay for 25 years FREE ESTIMATES plumbing Phone/Text 310.738.7094 23 YEARS EXPERIENCE Sewer Video • Hydrojetting • Bonded • Insured CA LIC. #980971 handyman TOUCHSTONE PAINTING • PLASTERING HANDYMAN Reasonably Priced – Referrals Upon Request 310-517-9677 30 Year Business and Resident in the South Bay flooring KIRK FLOORING (310) 322-6099 Fax (310) 322-6899 lic# 648106 333 Indiana Street, El Segundo sales@kirkflooring.com YOUR AD HERE carpet vinyl wood Email to reserve your space class@heraldpublications.com gardening EL SEGUNDO GARDENER Licensed/Bonded All E.S. Crew, Lawn Service Clean Ups, Tree Trim, Sprinklers, Handyman, etc. CALL BRIAN handyman AL’S REPAIRS & REMODELING Everything from small repairs to large additions. Also Patios • Decks • Fences Commercial Properties Welcome Serving Southbay 29 Years • Many References painting Frederick’s Painting oF el segundo Interior & Exterior NO Job too Small Free Estimates Call Fred 310-910-4841 LIC #948597 painting PAINTING by FRANCO OWNER & OPERATOR INTERIOR & EXTERIOR PAINTING Residential and Commercial Handyman Services: dry wall • fencing • tile • roof repair • electric pressure washer • termite repair 310-376-6938 roofing ROOFING REPAIRS Small jobs OK! 35 Years Experience • Local 310-375-0251 CAL License # 500433 C e r t i f i e d a n d L i c e n s e d P r o f e s s i o n a l s painting PAINTERS PLUS INTERIOR • EXTERIOR PLUS IMPROVEMENTS • REPAIRS FREE ESTIMATES LOWEST PRICES • GUARANTEED QUALITY 5 YEAR FREE MAINTENANCE SERVING THE BEACH CITIES FOR OVER 20 YEARS CALL DON 310-798-0450 LIC # 726089 painting plumbing 24 Hour Service Since 1990 • Lic # 770059 • C-42 C-36 C-34 C20 A Full Service Plumbing • Heating • Cooling Sewer Video Inspection • Rooter Service • Copper Repipes 310-543-2001 Free Estimates PLUMBING, HEATING & COOLING RICH’S PAINTING Specializing in exterior Quality interior work Reliable • Reasonable Rates 310-640-9465 Free Estimates • 310-408-0564 www. alsrepairs.com handyman BILL’S HOME & APARTMENT MAINTENANCE CONTRACTOR QUALITY at Handyman Prices. We cover everything from A-Z. Bill Henrichon Cell: 310-890-7531 Office: 310-542-3470 Billshomeandaptmain@yahoo.com CA ST LIS# 786081 / Licensed & Insured 2011 2012 2013 Serving the South Bay for 25 years FREE ESTIMATES plumbing Phone/Text 310.738.7094 23 YEARS EXPERIENCE YOUR AD HERE Sewer Video • Hydrojetting • Bonded • Insured CA LIC. #980971 www.paintingbyfranco.com Bonded • Full Liability & Workers Compensation Insurance • Lic.# 954843 handyman TOUCHSTONE PAINTING • PLASTERING HANDYMAN Reasonably Priced – Referrals Upon Request 310-517-9677 30 Year Business and Resident in the South Bay 310-493-7811 310-322-7396 Lic# 100085424 flooring KIRK FLOORING YOUR AD HERE Email to reserve your space class@heraldpublications.com YOUR AD HERE gardening EL SEGUNDO GARDENER Licensed/Bonded Email to reserve your space class@heraldpublications.com All E.S. Crew, Lawn Service Clean Ups, Tree Trim, Sprinklers, Handyman, etc. CALL BRIAN 310-493-7811 310-322-7396 Lic# 100085424 carpet vinyl wood (310) 322-6099 Fax (310) 322-6899 lic# 648106 333 Indiana Street, El Segundo sales@kirkflooring.com Frederick’s Painting oF el segundo handyman painting AL’S REPAIRS & REMODELING Everything from small repairs to large additions. Also Patios • Decks • Fences Commercial Properties Welcome Serving Southbay 29 Years • Many References Free Estimates • 310-408-0564 www. alsrepairs.com PAINTING by FRANCO OWNER & OPERATOR INTERIOR & EXTERIOR PAINTING Residential and Commercial Handyman Services: dry wall • fencing • tile • roof repair • electric pressure washer • termite repair 310-376-6938 www.paintingbyfranco.com Bonded • Full Liability & Workers Compensation Insurance • Lic.# 954843 roofing ROOFING REPAIRS Email to reserve your space class@heraldpublications.com Small jobs OK! 35 Years Experience • Local 310-375-0251 CAL License # 500433 painting Interior & Exterior NO Job too Small Free Estimates Call Fred 310-910-4841 LIC #948597 painting plumbing Full Service Plumbing • Heating • Cooling Sewer Video Inspection • Rooter Service • Copper Repipes 310-543-2001 Free Estimates PLUMBING, HEATING & COOLING RICH’S PAINTING Specializing in exterior Quality interior work Reliable • Reasonable Rates 310-640-9465 OVER 40 THOUSAND PAPERS DELIVERED WITHIN MILES OF YOUR HOME OR BUSINESS.
Hawthorne_122415_FNL_lorez
To see the actual publication please follow the link above