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Identity Theft?

By now you've heard the stories about Americans whose identities have been stolen. They're not pretty ... people working for hundreds of hours over many years to get their lives back in order, kids not getting student loans because someone has already ruined their credit, people losing homes because thieves placed mortgages they never knew existed, even innocent individuals ending up in jail.

For a small amount of money per month you can enlist the help of services like:



Below is summary of what they do from the Life Lock site:

First, we ask the credit bureaus to set fraud alerts on your behalf. Usually, this is done through our automated systems and the alerts are set within an hour. From time to time there may be a hitch and we have to do the first one manually, usually because they have a different address on file for you. If this happens, we'll tell you right away and do what needs to be done to get the alerts set. (In case you're wondering, we don't charge anything more for this and our Guarantee is still in effect from day one.)

Second, unless your circumstances change and you tell us not to, every 90 days or so we ask the credit bureaus to do it again. You can do this for free if you'd prefer, but we make sure it gets done and that it gets done right. That's where the oil change analogy we were talking about kicks in.

Third, we request that your name be removed from pre-approved credit card and junk mail lists and we keep making the requests as they expire. Statistics show that this is one of the most common ways that thieves hijack identities. Plus, all that mail is just so irritating. Many of our clients tell us that this alone is worth the price. If you are a do-it-yourselfer, you can do this for free, but why not let us do it for you?

Fourth, we order your free credit reports on your behalf from the major credit bureaus and they are sent directly to you. We do this every year. You can also do this yourself for free (Pennzoil anyone?)

Last, but certainly not least: If your Identity is stolen while you are our client, we're going to do whatever it takes to recover your good name. If you need lawyers, we're going to hire the best we can find. If you need investigators, accountants, case managers, whatever, they're yours. If you lose money as a result of the theft, we're going to give it back to you.

Hardware Solution?

You can also use hardware to protect your identity. Here is an interesting site.


ID Vault looks like a USB memory stick, but it's actually a key that padlocks your identity. No cyber criminals, no spyware, no tricks can get at your passwords or account numbers when they're protected with ID Vault.

Let's be careful out there!

Timothy J. Kilkenny
Founder & CEO

Your Family Health Portrait

Health care professionals have known for a long time that common diseases - heart disease, cancer, and diabetes - and even rare diseases - like hemophilia, cystic fibrosis, and sickle cell anemia - can run in families. If one generation of a family has high blood pressure, it is not unusual for the next generation to have similarly high blood pressure. Tracing the illnesses suffered by your parents, grandparents, and other blood relatives can help your doctor predict the disorders to which you may be at risk and take action to keep you and your family healthy.

Americans know that family history is important to health. A recent survey found that 96 percent of Americans believe that knowing their family history is important. Yet, the same survey found that only one-third of Americans have ever tried to gather and write down their family's health history.

Because family health history is such a powerful screening tool, the Surgeon General has created a new computerized tool to help make it fun and easy for anyone to create a sophisticated portrait of their family's health. You can check out the Surgeon General's family history initiative at http://hhs.gov/familyhistory/ where you will find computerized tools to help make it fun and easy for anyone to create a sophisticated portrait of their family's health.

As former U.S. Surgeon General Richard H. Carmona said: "The bottom line is that knowing your family history can save your life."

Happy Surfing From Your Friends at FullNet!

Roger Baresel

Secrets of the Wealthy

Want to know tricks to becoming financially comfortable? Search for "secrets of the wealthy". and you get about 2,020,000 results in less than a second (0.16 seconds to be precise). The truth of the matter is that (for the most part) there are no big "secrets" but rather a lot of simple things that you and I could do if we only had the information. And most of those 2 million sites will gladly sell you one or two ideas (at a high price) which you can easily learn on your own.

Did you know you can pay off your mortgage years earlier without needing extra money? Do not pay the dozens of companies that will set up bi-weekly or bi-monthly payments for you. The cost ranges from $175 - $500 and it is something you can do on your own for free. In fact go to http://mortgage-x.com/calculators/bi-weekly.htm and see for yourself. After you see the huge savings just contact your mortgage company on your own and start making the same payments you do now, but on a slightly different schedule.

If you do have a little extra to spare you can pay off your mortgage in half the time without paying some firm to do it for you. For a $100,000 30 year mortgage at 7% your payments are about $665 (http://www.bloomberg.com/invest/calculators/mortgage.html). By putting in an additional $85 or more a month you can pay it off in as little as 15 years. To see results from different amounts go to http://www.bankrate.com/brm/popcalc2.asp.

If you are more comfortable hearing from a live person recall that last month we covered using a consultant like Craig Platt, LPRD (Craig.Platt@wachovia.com) to not only get a house you thought you could not get, but to also have a financial advisor who can point you in the right direction without charging upfront fees.

You can also educate yourself for a nominal fee. The road to financial stability and / or conquering credit is very obtainable without paying someone else to "reveal hidden secrets". If you haven't already heard of Dave Ramsey you should visit his sight at http://www.daveramsey.com/ to learn how to be debt free (yes, mortgage included) in 7-10 years. Right now there is a special for his money make over and more for only $19 by clicking http://www.daveramsey.com/shop/Audio_CD_Special_With_Free_Boo_P227C48.cfm?afid=7

John Comutta shares a lot of similar material through the Nightingale Company at: http://www.nightingale.com/LandingPages/tpromo_tdiwl7.aspx,but just order the free CD at first ... the courses can be expensive when you're starting out on a tight budget.

Secrets of the wealthy? It's no secret ... it would seem that the "secrets" begin with understanding your credit and how to get away from it. You can have a local financial advisor without being rich, shave years off your mortgage without paying third party companies and get your own life changing education from the masters of the field without attending seminars demanding a month's salary or more up front.

In fact I'll point you toward your first free tools of the trade. Go to http://www.mtgprofessor.com/spreadsheets.htm and there are all sorts of spread sheets that you can use to open your eyes and get started ... all for free.

Happy financial Surfing!

John A. Secondi

FullNet Customer Service Manager

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