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Food for Thought..

Whoever controls the volume of money in our country is absolute master of all industry and commerce...

And when you realize that the entire system is very easily controlled, one way or another, by a few powerful men at the top, you will not have to be told how periods of inflation and depression originate.

James A Garfield, 20th President
Assassinated, 1881

ACCESS Guard My Credit File News
Pandemic Unemployment Benefits and Government Incompetence at Its Worst - Illinois
In The News

May 20, 2020 - One of the key features of the CARES Act passed by congress was a provision that provided unemployment benefits to gig workers, independent contractors and business owners. People falling into these categories don't normally qualify for unemployment benefits because they don't pay into state run unemployment insurance programs. Commonly referred to as PUI (pandemic unemployment insurance) or PUA (pandemic unemployment assistance), states around the country have scrambled to incorporate the programs into their other unemployment programs. Unfortunately, these rollouts have been less than smooth.

Why the Michael Flynn Case Should Frighten Anyone Concerned With Privacy Matters
In The News

May 14, 2020 - Just imagine the following scenario. You decide to make a phone call to someone you know overseas. It could be a business associate or a relative. It doesn't really matter. You either misdial the phone number and get someone on the phone you don't know, or you get to the correct person. Either way, unbeknownst to you, the person answering the phone is on a US Government watch list and their phone calls are being monitored by the NSA. You have a short conversation about some mundane subject and get off the phone. You don't think much about it, but what you don't know is that your name is now located in a government database, and it is now associated to the person with whom you were speaking? What are the consequences of that?

No Expectation of Privacy For Those Returning Rental Cars Late - 9th Circuit Ruling
Your Rights

May 6, 2020 - The 9th Circuit Court of Appeals had ruled against a man who tried to have evidence suppressed after a warrantless search of a license plate database allowed law enforcement to pinpoint his location. The man, one Jay Yang of Las Vegas, NV had been photographed stealing mail while driving a rented SUV. But he was more than a week overdue in returning the vehicle and the court ruled that because of that, he had no expectation of privacy.

Hundreds of Millions Facebook Profiles Available on the Dark Web for 500 Euros
Fraud Alerts

May 1, 2020 - A hacking group has placed a file of 267 million Facebook profiles up for sale on the dark web for 500 Euros, or a little more than $600 US. Most of the profiles appear to be from Americans and they include a variety of personal data including names, user names, phone numbers and ages. Password information isn't included in the file.

Large Data Breach on an Android Marketplace Exposes Millions of User Names and Passwords
Fraud Alerts

April 21, 2020 - The vast majority of Android users get their apps from Google Play, which is Google's Android marketplace. But there are actually numerous other marketplaces for apps, and some good reasons to use them. One of the largest is Aptoide. And they have apparently just experienced a data breach involving 39 million of its 150 million customers. 

Paycheck Protection Program Loans for Independent Contractors - Call Your Congressman
Federal Issues

April 14, 2020 - The recently passed stimulus bill to deal with the COVID19 outbreak made some significant changes to the benefits available to the self-employed. Among them was supposed to be access to loans from the SBA through what they are calling the Paycheck Protection Program or PPP. These loans were specifically geared to allow small to medium sized businesses to continue to pay their employees rather than lay them off while the businesses are closed due to government ordered shutdowns. And that includes allowing sole proprietors to continue to pay themselves. But there is a problem with the program. You have to apply for PPP loans through SBA approved lenders, and most of the big banks have put their own rules in place that exclude independent contractors. It's a problem that requires immediate attention from Congress.

When There Is A Financial Crisis, Every Property Owner Should Consider Homesteading
In The News

April 13, 2020 - It's been nearly five years since our last article on homesteading. For those who think that's something from a bygone era, think again. Homesteading can protect some or all of your property from foreclosure and creditors. But the amount of protection you can receive is highly dependent upon which state you live in. Here's a little history and the information that you'll need to file for a homestead.

More Coronavirus Scams
Fraud Alerts

April 10, 2020 - There are some new scams that we've become aware of that revolve around Coronavirus. Given the fact that the country is largely locked down, it is no great surprise that criminals are viewing this time as an opportunity to capitalize on peoples' fear. 

FED Unemployment Estimate Goes Through The Roof
Federal Issues

March 30, 2020 - The St. Louis Federal Reserve has issued a report on expected unemployment numbers due to COVID-19 and the numbers are startling. The report states that the unemployment rate could be as high as 32.1% by the time the country's shut-down ends.

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05/25/2020 03:58:10