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ACCESS Guard My Credit File News
Use A Picture to Track Down Just About Anyone
In The News

September 25, 2023 - How many pictures have you seen floating around the internet in which the people who appear in them are unidentified? Thousands? Tens of thousands? Those days may be gone. A website by the name of PimEyes is using facial recognition to identify the people in those pictures, and it's available to anyone. 

Wi-Fi Imaging Technology Raises Privacy Concerns: A Threat to Fourth Amendment Rights
In The News

September 22, 2023 - In the digital age, our personal privacy is constantly under scrutiny, and a new technology is pushing those boundaries even further. Wi-Fi imaging, once born out of military and police interests, is now creeping into our daily lives, posing a significant threat to our Fourth Amendment rights and personal privacy. Let's break down what this means for you and speculate on how the US Supreme Court might weigh in.

Biden Admin Driving Up the Cost of Living - Now Proposing Rules on Ceiling Fans
Federal Issues

September 15, 2023 - It started out with gas stoves. An appliance that millions of homes have used safely and counted on for well over a century is now being deemed unsafe and non-energy efficient by the Biden administration. What quickly followed were state and local restrictions on gas water heaters, installing gas lines in new construction, and more recently, restrictions on gas furnaces and HVAC systems. There is also a relatively new proposed rule to ban most gas generators. But all of that insanity apparently hasn't been enough. Now the administration is coming after ceiling fans. They're claiming that the rules will save money for consumers. But you won't believe what that savings is!

Personal Privacy Concerns Emerge from Automobile Data Collection and Resale
In The News

September 12, 2023 - A recent report by the Mozilla Foundation has found that automobile manufacturers are using all of the sensors in their cars to spy on the owners. And the information that they are gathering is then being offered up for sale with virtually no notification to owners and passengers of their vehicles.

Voice Deepfake Scams Are Coming for Your Money
How to Protect Yourself

September 7, 2023 - With around three seconds of recorded audio, scam artists are now able to make a relatively believable deepfake of just about anyone's voice. At least that's true if you are an American (more on this later). And with 15 seconds of recorded audio, the deepfake is even better. They are doing this using a number of readily available AI platforms that are now open source. And it is leading to some real issues with fraud.

Rising Home Insurance Costs Causing Many to Drop Their Policies Altogether
Personal Finances

August 31, 2023 - In an unsettling trend, many Americans are finding it hard to keep up with their finances and are making the tough choice to forgo homeowner insurance due to skyrocketing premiums. This decision, however, puts them at risk of being unable to repair or rebuild their home in the wake of a disaster such as fires or windstorms.

Zillow's New Program to Help Homebuyers with Lower Down Payments Misses the Mark
Personal Finances

August 29, 2023 - In a bid to make homeownership more attainable, Zillow, a prominent online real estate company, has introduced a novel initiative to ease the path for potential homebuyers. The company has launched a program that allows buyers to put down as little as 1% for a down payment, significantly reducing the financial hurdle to enter the housing market.

Americans Accumulate Historic $1 Trillion Credit Card Debt
Personal Finances

August 25, 2023 - The Federal Reserve Bank of St. Louis has disclosed that Americans now collectively owe a staggering $1 trillion in credit card debt, something that is unprecedented. This alarming figure coincides with many credit card interest rates reaching their highest levels in the past 40 years.

Losing Your Home in a Natural Disaster - How to Protect Your Finances - Maui Update
In The News

August 18, 2023 - Over the years, this has been one of our most read articles so we regularly update it as natural disasters occur. The last time we published it was about a year ago, for Hurricane Ian. This time it is for the fire in Maui. If you know anyone who has been impacted by the fire, you may want to send them a link to this article. It could be a financial life saver. It is about protecting personal finances in the wake of natural disasters. At the end of the article you will find a resource guide that fire victims may find very beneficial.

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