By Roxanne Whitt, CITRMS
If you or anyone that you know was on active duty service prior to January
2002, you qualify for a higher social security payment.

In a nutshell it boils down to this:

You qualify for a higher social security payment because of your military service, for active duty any time from 1940 through 2001 (the program was done away with in January 2002).

Have you heard about the January 1, 2008 "Red Flag" laws which carries a deadline of November 1, 2008.
Just like OSHA and HIPAA, these Federal laws are not optional. Small business without employees are not exempt. This law also discusses companies who use service providers and service contractors.
There is another law concerning users of consumer reports, such as the use of background checks or credit checks.
Contact us for more information at 210-789-8493 or 210-317-7147.

This is an excerpt from Military.com.It encourages ALL who think they may be eligible to apply.

"Let our experts make the call," Mr. Castro explained. "That way if you do not qualify and something in the law or Department of Defense CRSC policy changes in the future that could affect the prior decision, we will already have a claim and documentation, and can reassess a claim based on the new eligibility factors."

In determining eligibility, retired members should answer the following questions:

Continuing Legal Education American Prepaid Legal Services Institute announced a CLE program that takes place on Feburary 15th, 2008. American Prepaid Legal Services Institute is an affiliate of the American Bar Association.
This course is for lawyers who provide prepaid legal services. About 80,000 lawyers in the United States serve as prepaid plan lawyers.

CNN Money.com posts numerous articles that The Mortgage Crisis will become more evident as ARMs (Adjustable Rate Mortgage ) are reset.

If you or anyone you know has an ARM, contact us to see if these resets affect you. Many homeowners face foreclosure when ARMs reset.

Here are excerpts of two articles dated August 13, 2007 and November 2, 2007.:

Mortgage resets: Record bill coming due

Billions in subprime ARMs will be subject to higher payments.
By Les Christie, CNNMoney.com staff writer
August 13 2007: 11:45 AM EDT

"We do not believe anyone's personal information was compromised." Whenever one reads of a data security loss, these words or some similar statement is always included in the release. Your personal information is lost, how much more can one be comprimised? Your information is somewhere other than where it is supposed to be.Recent data losses include: Kartenhaus, a ticket sales office in Hamburg, lost 66,000 customers credit cards between October 24, 2006 and September 30, 2007. Their parent company is Ticketmaster. October 4, 2007, The Massachusetts Division of Professional Licensure announced plans to review its protocols after the agency mistakenly released Social Security numbers in September of about 450,000 licensed professionals.

If you didn't make it to last night's mixer, I have to say you missed out.  I truly enjoyed myself.  If you're used to the normal networking luncheons you have to experience one of our Stone Oak mixers.  It's a whole different animal.The atmosphere can only be desribed as relaxed.  Of course you're talking business, exchanging cards and making contacts; but without the stress and limitations of other types of networking events.  You're not limited to a certain group at a certain table. Copa's decor and the grouped seating arrangements were conducive to small group conversations.  You could actually get to know the people attending rather than just get a 60 second elevator speech about their business.  Sandi and Kent were great in making sure introductions were made all around and that everyone had a great time. Thanks so much guys.I'm definitely looking forward to the next one and hopefully I'll see you there.  In the meantime, don't be surprised if Roxanne Whitt or I pop in on you.  We want to get to know all of you personally so be expecting our visit!

I'm hoping everyone has taken the time to read the article on the "Justice for All" documentary.  No matter who you are, you want to watch this program.  It will only take 30 minutes of your time, but they will be minutes well spent.  You want to hear what people will be saying.The people I'm talking about are credible leaders in their field with insight and knowledge they will be sharing.  So are you wondering who these people are?  I'll tell you.Tom Donohue is the President of the U.S. Chamber of Commerce, Harry Alford is the President of the National Black Chamber of Commerce.  If you are a business person you may belong to a local Chamber.  We are talking about the heads of the national organizations.  They must know something about business to be at the top of their respective organizations.

I'd like to introduce myself.  My name is Cheryl Baumgartner and I am an Identity Theft Risk Management Specialist and an Independent Associate with PrePaid Legal Services Inc and Subsidiaries.  IBefore becoming a part of the PrePaid Legal Family, I was employed with the Valparaiso Florida Police Department as a Communications officer.  While employed with Valparaiso I furthered my eduction through the Florida Department of Law Enforcement, becoming a state certified instructor on the use of the NCIC/FCIC computer network.  I also became a state certified Terminal Agency Coordinator, making me responsible for ensuring the agency was in compliance with FBI security regulations.

Roxanne Whitt, CITRMS.Independent Associate, Life Events Plans, Identity Theft Protection,Employee Benefit, Small Business, and Commercial Drivers.I am a Certified Identity Theft Risk Management Specialist(CITRMS). I help businesses understand their risk and liability to recent information security laws.My business background is of an Independent Associate for Pre-Paid Legal Services Inc. I am certified as a Employee Benefit Specialist, Small Business Specialist, and Commercial Driver Specialist. I also provide Life Events and Identity Theft Plans for individuals and families. I am a Retired United States Air Force Medical Instructor.I am certified in the  Affirmative Defense Response System (ADRS). ADRS helps assure that the business meets the minimum requirements of the FTC guidelines to protect personal employee, customer and vendor information.