Other Important Information

IDENTITY THEFT
Minimize the risk of identity theft by regularly obtaining copies of your credit report. You are allowed to receive one report free each year from each of the three major credit-reporting agencies. My recommendation is you obtain a different credit report every four months. Online - go to https://www.annualcreditreport.com or phone - call (877) 322-8228.

IdentityTheft.gov offers step-by-step guidance for victims of identity theft – including tax ID theft – helping them regain control of their finances and reputations. New features on the site provide personal recovery plans and pre-filled letters and forms victims can use to resolve the identity theft

IS YOUR ROUTER SECURE? - Find out at F-Secure.com/router-checker. This link is recommended by BottomLine Personal in their 9/15/16 edition.

SAVINGS BOND WIZARD
Do you have a stack of savings bonds and are not sure what they're worth - here's a great tool for not only keeping track of the value but also for keeping an inventory of the bonds. If a bond is lost, you can get a replacement easier if you know the bond number, date it was issued, etc. Try it out. You can download the wizard at www.savingsbondwizard.gov.

MISSINGMONEY.COM
Have you ever lost a paycheck and not had it replaced? Not received all of your utility deposits after a move? MissingMoney.com is a searchable database sponsored by the National Association of Unclaimed Property Administrators, a nonprofit organization dedicated to increasing unclaimed property awareness. Searching is easy and free - simply go to the web site and enter your first and last name on the home page, along with the state where you live (be sure to search every state you've lived in). The site will search for any property registered in your name. Not all states have provided data to the site but the site does have links to most if not all states' unclaimed property sites. Check it out - no telling what you may find.

DREAM MAKERS - Dream Makers is a mortgage program for military (Active duty, Retired, Reserve or National Guard), DOD or Department of Homeland Security employees. If you are a first-time home buyer (or haven't owned a home for 3 years or lost your home through divorce or disaster) and meet certain income requirements, you may be eligible for up to a $5,000 grant towards your home purchase. For more information, go to PENTAGON FOUNDATION . While you're there, check out the ARK Program - it gives military personnel emergency loans for minimal cost (an alternative to those high interest paycheck advance companies).