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Securing Your Life and Protecting and Preventing Identity Theft

Posted on: March 26, 2008 I Written By

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Lately I’ve been seeing a lot of advertising around about LifeLock. I’m not sure how many of you have seen it, but in this rampant world of identify theft, I think we all stop and take a quick look at anything that we can do to protect our identity. As a tech person, people are always asking me if it’s safe to make purchases online. My answer is always yes. You do have to be careful, but life isn’t worth living if you are living it in a state of fear.

I’m pretty sure that many of those people still don’t shop online because their worried. I think it’s these people that are the perfect target market for LifeLock. The most catchy thing about their offer is their $1 Million Service Guarantee. However, the most startling thing I find on LifeLock is that the CEO put his social security number on their website.
Certainly you could make the argument that it’s good marketing, but it does also show that he’s not afraid to “eat his own dog food.”

I think that LifeLock has an interesting service. I personally hate things that have reoccurring fees and so that would be the biggest downer for me. It seems like much of their process can easily be automated and processing power is cheap. Why not offer a product that is a one time fee to protect me against certain vulnerabilities? I expect high net worth individuals won’t even blink an eye at the cost since it really is low at $10 a month.

As a small comparison, in my past life I worked at Discover card taking calls on one of their products that was called “The Register.” (at least if my memory serves me correct). There service protects ALL your credit cards in case they were lost or stolen or fraudulently used. The basic service was $9 a year and the premium service was something like $27 a year. The premium service did like LifeLock and would call and cancel any of your cards for you if you lost your wallet. This was a really nice service for people who had piles of credit cards, which is A LOT of people. I couldn’t believe how many credit cards they had.

At the end of the day, the credit card companies already cover your credit cards for anything over $50 and debit cards over $500. However, the process of telling the credit card companies about identity theft is what you want to avoid. If LifeLock can help with that, then it will be well worth the $10 a month. Not to mention, they take you off the credit card mailing lists which might be worth $10 a month also.

The reality is that identity theft is a real problem and if you don’t choose to go with something like LifeLock, you really need to consider doing something to protect your identity.

Managing Your Personal Finances – Don’t Be An Idiot

Posted on: December 19, 2006 I Written By

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Some people act like complete idiots when it comes to their personal finances. Take for example credit cards. They get their credit card statement and see that they only have to pay the minimum payment. Just because that is all you have to pay doesn’t mean that you have to listen. People don’t realize how much they are paying in interest when they only pay the minimum payments.

Next, let’s take a look at secured loans and mortgages. Don’t get me wrong. Sometimes these are necessary. In fact, sometimes they are absolutely essential. However, make sure that you can afford the loan. Just because someone is giving you a loan doesn’t mean that you are going to be able to afford the payments. Even more important is that just because you can afford the payments doesn’t mean that you should get that large of a loan. Take some time and think about what you’re doing before you do it.

What smart people do is get a good savings accounts. There are some pretty impressive internet money markets from regular banks that pay really well. It’s so much better to earn interest instead of paying it. Plus, it makes you feel so good.

One last thought is getting home insurance. I know that sometimes it feels like wasting money. I feel the same way. However, our neighbors recently had their house go up in flames because of a faulty burner in their kitchen. They’re glad that they have some good fire insurance.

All it takes is for you to stop and think about what you’re doing. If you’re not going to stop and think then don’t come complaining to me.

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Mortgage, Insurance, Ditech com, DUI Attorney, Mesothilioma Lawyers, Auto Insurance Quotes California

Posted on: July 19, 2006 I Written By

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I’ve been recently looking into what words get the most bang for the buck for my website. The subject: “Mortgage, Insurance, Ditech com, DUI Attorney, Mesothilioma Lawyers, Auto Insurance Quotes California” pretty much describes some of the most popular. It makes sense if you think about it. Mortgages cost a lot of money and so there is a lot for someone selling a mortgage to make. Insurance is the same since you will keep paying your insurance month to month.

Many people should look for insurance if they have a DUI and more importantly people who have a DUI need a really good DUI attorney. Although, I don’t think I want to encourage anyone that has had a DUI to find a good DUI attorney because I hope people with DUI get whatever the book throws at them despite how good of an attorney they have. I really think there’s no excuse for a DUI.

Mesothilioma was a surprise to me, but I guess there are a lot of people searching for lawyers that do mesothilioma because they want to sue over mesothilioma and make some money. Makes some sense. Not sure the details, but all of those medical lawsuits need a good lawyer and I’m sure mesothilioma lawyers would be no different. Despite many mesothilioma lawyers being considered ambulance chasers.

I also thought that Auto Insurance California was poignant because auto insurance in california has got to be so expensive. Driving in California is the worst. With so many cars there is a lot of money to make. Auto insurance is really about getting the most people on board as possible and letting the volume make an an auto insurance company the most money. California auto insurance is the hotbed for this since California has so many people.

Here’s a list of 500 terms and they relative price from CyberWyre:

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