Online Savings, Identity Theft and Do Not Call Registry

I found a great online high yield money market savings account online this morning.  It’s being offered by Capital One.  The current yield is 5.00% and there are no fees or minimum balance!  Plus you can get free checks and an ATM card too!  It only takes a few minutes to open the account online and the minimum opening deposit is just $1.00.  It links to your existing checking account and that is how you deposit or withdraw money.

Identity theft is one of the fastest growing white collar crimes.  I myself was recently a victim of this when someone fraudulently used my credit card to establish an AOL account and pay eBay fees.  Luckily I noticed the suspicious activity before any major damage was done.  Here’s a short identity theft prevention checklist:

1.  Check your credit report annually.  See my previous post on how to do this free.

2.  Review your bills and statements on a regular basis.

3.  Guard your mail and trash from theft.  It’s a good idea to use a paper shredder when tossing out financial or other sensitive documents.

4.  Use caution when giving out your personal information.  This is especially true on the Internet where there are many traps for the unwary.

5.  Copy the contents of your wallet or purse.  An easy way to do this is by using your digital camera to take photographs of your identification, credit and membership cards.  For added protection, burn the pictures to a CD and store it in your safe deposit box.

6.  Report lost or stolen checks or credit cards immediately.

Find out more online at


I was working at home this afternoon and interrupted several times by telemarketers.  I decided to finally just say “no” and add my name to the National Do Not Call Registry.  I’ve been hearing about this for several years but never got around to actually using it.  I was pleased to discover it was really easy to do.  The FTC has set up a simple website and the whole thing only takes a minute.  Basically, you just enter you telephone number and e-mail address.  The site sends a confirmation e-mail that you click and you’re good to go for five years!  Yay!

— Michael

Free Annual Credit Reports

Hello all!  I’m sorry I have neglected my blog already.  The press of business has kept me from adding to it as much as I should.  I’ll try to do better in the future!

In case you were not aware, due to recent federal legislation, everyone is entitled to a free annual credit report from each of the three nationwide credit reporting agencies — Equifax, Experian and TransUnion.  The report can be requested by mail, telephone or (perhaps most easily) on the Internet.  It’s important to periodically review your report and check it for outdated and/or inaccurate information.  The reports are used not only by creditors, but also landlords, prospective employers and insurers.  Regular review may also tip you off to the growing problem of identity theft.

To request your free annual credit reports, visit the website below:

And remember, if you are facing serious financial problems, bankruptcy is still a viable solution for many people.  Although Congress made the bankruptcy laws tougher last fall, there are still plenty of folks filing Chapter 7 and getting a fresh start.  If you are in the Sacramento area and wish to discuss your situation with me, please don’t hesitate to send me an e-mail.  I offer a free thirty minute bankruptcy consultation to prospective clients.

— Michael

“We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.”

Parenting Classes Available at San Juan Schools for Adults

The other day I received a booklet in the mail from San Juan Unified School District advertising upcoming classes for adults.  I was surprised to see parenting classes among the offerings.  The family law court often orders parents to attend these types of classes after attending mediation.  San Juan’s programs are convenient and affordable.  Here’s a few that may be of interest:


This six week class is designed for families going through the divorce and/or mediation process and will meet court requirements.  Birth parents should take this class separately.  $35 per person.  Orange Grove Adult School, Tuesdays 1-10 to 2-14 or Fair Oaks Preschool 4-18 to 5-23.  Both will be held from 6:30 – 8:30 p.m.

Parenting the Toddler

Attended by both parent and toddler together, this class provides active participation by all parents, provides growing and learning experiences for both adults and children.  Age:  18 months to 3 years.  $45 per month and $45 annual registration.  Fair Oaks Elementary on Mon, Weds or Fri from 8:45 to 11:45.

Positive Discipline

A six week series — learn about alternatives to spanking, how to avoid nagging and power struggles.  Use of time outs and logical consequences.  $30 — Thursdays 3-2 to 4-6 from 6:30 – 8:30 p.m. at Fair Oaks Annex.

Registration started on December 5th, so do not delay if you are interested.  Parenting classes often fill up quick.  For more information visit San Juan’s website.  Many other classes are also available including many related to computers and business.  I might even enroll in one myself.



Welcome to my new Xanga!  I hope you find it informative and
entertaining.  I’ll be posting entries related to my law practice
as well as musings of a more general nature as the spirit moves me.

Questions, comments and suggestions are welcome!