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Show t 24 SPRINGVILLE HERALD Thursday, May 1, 2008 Mr Duncan: The "Crystal" Apple of Sage Creek's Eye Sage Creek faculty, staff, students and parents are honored to recognize fifth, grade teacher, Michael Dim-can, Dim-can, as this year's Crystal Apple Award recipient. Duncan Dun-can continually strives to be the best teacher he can be. His positive rapport with the students and their parents is evidenced not only by high test scores but by the constant con-stant flow of cookies, notes and other treats he receives from his students on a regular regu-lar basis. Duncan truly loves each student and has the reputation reputa-tion for treating each one 'with kindness and respect, making them feel safe and important while they are learning in his class. His classroom is full of learn- V I " rT" . Si 3 : T TT. f - ' : i W f IV 4 , J - "WW" " I - f - I P" .? . I 0 s. !" ... . -' .... f ' f , 141 I jiiipl, !.? iliWJiii am . , , SALE PKJCE " ' Michael Duncan, fifth grade teacher at Sage Creek School, received this year's Crystal Apple Award at the school. ing, fun and is an environ-, ment where children want to be. Despite the fact that Duncan has a young family of his own, including a handicapped handi-capped foster son, he makes the time to attend many of his student's outside school activities. Although Duncan has only been, teaching for four years, he is a master teacher and is always asked to have new teachers observe him to watch his teaching style and his relationships with his students. He is a mentor teacher, helping new teachers teach-ers learn the craft, and is a technology specialist at the school. He is helped to create a professional learning, community com-munity at Sage Creek and as part of the staff he always makes himself available to help others. Everyone feels comfortable with Duncan because be-cause of his humble and approachable ap-proachable characteristics. Mr Daybell, a fifth grade team member states that, "Mr. Duncan is one of the finest teachers and people I know and is extremely deserving de-serving of the Crystal Apple Award" The first graders at Brookside Elementary have worked very long and hard to put on the program of The Little Engine That Could. There was a small part for every child and lots of songs to sing. There were all sorts of toys, such as, lions, dolls, soldiers, bears and clowns. There was also the different trains; the Strong Engine, Shiny Engine and the Rusty Old Engine that passed by but wouldn't help. Finally the Blue Engine came to the rescue and helped the toys get over the mountain! Way to go First Graders, you did a fantastic job! Credit card fraud-skimming money ;(1 -nr..i.ii,i., ..,! nmniii. r,,i, ii r n-tmmmmMmmtmmmmmmmmmmmnrnmimH Women's Vranqlcr Premium Pafeh Jeans Midrise & Lowrise Reg $59 Buckles Watches MONTANA 1 SILVERS SILVERSMITHS !!' Ml . i , J : J r . . . t: f i !';!: i.-t earrings t 4,n.,,n, -i I Bracelets y hid . u .- aaEiucau viEsriimm purses 'f!Se''''-. ' J-,...!;, f ft Ann Actenraanrsl yf'V WW tMK f I n f -rrWS ARIAT MINNETONKA Lil-J v, j I QO 4J G L 1 W II 13 ROPER H&H BRANDS Great Values Cruel Girl Jeans Ac crf r pfifi Ann NAPSI- Imagine going out to dinner at a local res-. taurant. The server takes a credit card and returns to tell the customer their card has been declined. Later, they discover the account has charges totaling to-taling more than $800 the credit card holder did not make. A recent case highlights high-lights the potential for credit card fraud when customers don't witness a transaction. San Francisco Fran-cisco police arrested a waitress for unauthorized use of a credit card after having received several similar reports of credit card fraud at a Bay Area restaurant. All the victims remembered remem-bered using their credit card at the same restaurant restau-rant and identified the waitress as their server. The waitress told authorities authori-ties she had sold the card numbers to a friend for $40. A total of $17,500 was charged on the cards to pay for electronics, clothing, cell phones and utility bills. Credit card fraud is on the rise and costs issuers hundreds of millions of dollars each year. Credit card customers are often not held responsible for fraudulent charges, as long as they report the fraud in a timely manner. The convenience of using us-ing a credit card to pay for a meal at a restaurant, for example, belies the risk for credit card fraud, said Kathy Li, director, Consumer Action in San Francisco. The restaurant industry is plagued with the highest incidence of credit card 'skimming, the unscrupulous unscrupu-lous practice of swiping a customer's credit card' through a device, similar in size to a beeper, to record re-cord the magnetic strip data for the creation of fraudulent credit cards. Consumers are urged to watch closely as store and restaurant employees handle their credit card to make sure they are not copying or "skimming" the credit card number. The information that is obtained can be used to order or-der products and services online for several weeks until the unsuspecting victim is made aware via their monthly credit card statement, which can give the thieves plenty of time to run up bills. Thieves may sell information. infor-mation. Often, the criminals crimi-nals skimming information informa-tion into the device are not the same criminals that are using that information infor-mation to commit identity theft or other crimes of fraud. The card information can be encoded onto new white plastic counterfeit cards. The card can then be swiped at ATMs or at a merchant location. If fraud strikes, consumers con-sumers should act right ' away by calling the card issuer to report the card as being lost or stolen. Follow up the phone call with a letter to the issuer, which should include the card number and the date the card was reported lost or stolen, because once the loss of the card is reported, the consumer is not responsible for unauthorized un-authorized charges. "Even if a consumer is late in reporting the loss, or was not aware of the unauthorized use until their next statement arrives, ar-rives, their liability is limited to $50 per card by federal law, although many issuers have $0 liability lia-bility policies," explained Li. ' "However, it must be reported in a timely manner man-ner to avoid losing protections pro-tections under the law if there's negligent failure to report the loss of the card." "Identity theft is a cruel crime that can continue beyond someone losing their money or personal property; it's a crime that can rob innocent men and women of their good credit, reputation and financial fi-nancial well-being without with-out them ever knowing it has occurred," said Mike Laubsted, senior vice-president vice-president of Card Fraud Operations for WaMu (Washington Mutual) Bank. According to both Consumer Con-sumer Action and WaMu, there are a number of things consumers can do to protect themselves against credit card fraud and identity theft, including includ-ing when making a purchase, pur-chase, after the credit card is returned, make sure it's the correct card. Always make sure to get a credit card receipt because it may include the credit card number; never give credit card number over the phone to someone who is not known; never respond to an e-mail asking for credit cred-it card number or personal person-al banking information, no matter how official or legitimate it looks. Carefully review monthly month-ly credit card statement and report any discrepancies discrep-ancies right away; notify the credit card company if any unusually large purchases are considered; otherwise, the account may be flagged for possible pos-sible fraud. "Even though there has been a lot of consumer education ed-ucation information published, pub-lished, in our experience, many consumers are still very concerned but are not completely knowledgeable knowl-edgeable about credit card fraud and identity theft," explained Laubsted. Laub-sted. 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