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Food for Thought..

Remember - making minimum monthly payments on your credit card can have a long lasting affect.

At 18% interest it will take over 7 years to pay $800 off.
At 29% interest it will take over 10 years.

Don't let your Visa bill last longer than items you purchase!

ACCESS Guard My Credit File News
A Chinese Invasion of Taiwan Could Have a Big Impact on How Americans Live and Work
Federal Issues

October 11, 2021 - You may have heard that China has been threatening a Taiwan invasion and thought, "So what?" But the reality is that if China does invade Taiwan, could have a huge impact on how American's live even if we don't get directly involved in the invasion... and that's a big "if." Here are some things that everyone should consider.

Search Engines Now Being Served with Keyword Search Warrants by Feds
In The News

October 7, 2021 - In what can only be termed a fishing expedition, it has come to light that the federal government served Google with a recent search warrant for "keywords" used in searches. The revelation came from an accidentally revealed court document that was discovered by Forbes. Keyword search warrants are issued secretly by the government in an effort to develop a list of suspects who conduct internet searches using specific terms. They are also dangerous because they have the potential to ensnare innocent people in criminal investigations.

Treasury Dept Considering Minting a One Trillion Dollar Coin
Federal Issues

October 5, 2021 - You may think that the cash that we use is simply printed by the US Government and put into circulation. But that isn't the case. The money we use on a daily basis is created by the Federal Reserve (the FED); a public, private partnership between the federal government and big banks. And the way that the government creates that money is by selling bonds - which puts the government in debt to the people buying those bonds. Once those bonds are sold, the government essentially buys the currency from the FED and puts it into circulation. This is a simplified explanation but it is pretty well the way all of the cash we use is currently created, with one exception: Coins. Coins are created by the treasury and they aren't based on bond sales. The government (meaning taxpayers) don't incur any debt when the Treasury Department issues a new coin.

Postal Service Change Could Impact Your Bills and Credit
In The News

September 30, 2021 - Beginning tomorrow, the USPS is going to be slowing down mail deliveries for some first-class mail. The change was proposed months ago but hasn't received a tremendous amount of press. That's unfortunate because those who are unaware of it could wind up getting hit with late fees on their bills - or worse - if they stick to a mailing schedule that was developed before the change.

You May Want to Start Your Christmas Shopping NOW!
Federal Issues

September 28, 2021 - The last thing I need for Christmas is anything that isn't consumable. If I can't eat it or drink it, it's just something else I'm going to have to move when I eventually retire. Therefore, I don't want it. But I do understand that most people probably don't feel the same way. You may be looking forward to that video gaming system you've always wanted, a new computer or even just a Bluetooth speaker. Unfortunately, between all of the government shutdowns, semiconductor shortages and supply chain issues that have been caused largely by incompetent politicians around the globe, you could very well have trouble finding the things you want this year. And if you do find them, there is a very good chance that they will be a lot more expensive than they were just a few months ago due to the equally inept monetary policies of the FED and the current administration. So if you're going to be doing any holiday shopping at all, the time to start is right now.

The Moorish Sovereign Citizen Movement and Why You Shouldn't Ignore It - An ACCESS Fraud Alert
Fraud Alerts

September 27, 2021 - If you have never heard of the Moorish Sovereign Citizen Movement you can be forgiven. It isn't something that the media focusses on except when something extreme happens. The most recent example of that was last summer when a group of armed men who are members of this movement were arrested on a Massachusetts highway. But the movement isn't just about making a statement. It's a loosely organized group that believes they are entitled to the things that you have earned through a life of hard work. And they starting to show their teeth.

Bills in Congress a Looming Disaster for Financial Privacy
Federal Issues

September 24, 2021 - You may know that the federal government tracks large bank deposits. It has done this for years, supposedly to discourage money laundering. In actuality, it is to make sure that taxes get collected but perhaps we're picking at knits. Either way, the government watches financial activity simply based on deposit size. The fact that the have been able to get away with this is somewhat remarkable given that the Fourth Amendment is supposed to protect us all from searches without any probable cause, but they do. But the proposed $3.5 Trillion infrastructure bill will make this government snooping even more stringent. If it passes, just about everyone in the United States will find that their bank account is being monitored.

Your Car is Spying on You and Your Insurance Company May Be Too
In The News

September 20, 2021 - What does your car know about you? That may be something you've never thought about but after reading this, you may want to start. If you own a car that is less than ten years old, it knows a lot more about you than you think. And there is even a reasonable chance that its sharing that information with third parties.

Privacy and Search Warrants in the Digital Age
In The News

September 18, 2021 - Not so long ago, if the police wanted to know where you were at a specific date and time, they would have to do some investigating. By that, I mean they would actually have to make some phone calls to your friends and acquaintances. Go out and knock on a few doors. Interview a few people. After that, they might be able to establish where you were and what you were up to. But that's all changed now. All they have to do is contact Google, Apple or any one a number of other companies and get a data dump on you. And the information they get could put you in a world of hurt even if you haven't done anything wrong.

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10/16/2021 04:39:57