Seriously Speaking

A security breach at Equifax…Seriously? They are the people that are telling us if our credit is good… they have the keys to the castle!!

Wake up people!!!!
Your money, your credit and even your livelihood are under attack. You only have to look at the latest breach at Equifax to know that your information is not safe unless you do something to protect it. Here are a few things that you can and should do, especially in light of the breach at Equifax:

1) Put a freeze on your credit reports at all three of the credit bureaus. Experian charged $10 here in KY. TransUnion was free and actually offers a free version of credit monitoring. Not sure about Equifax since their system is overloaded. They are offering free credit monitoring for a year. Seriously? That should be a lifetime commitment from them. Your information is out there and it isn’t going to magically disappear from the places that it will spread to simply because a year has passed.. Speaking of Equifax… their handling of this breach, from allowing the hack to not notifying those affected until 3 or 4 months later is not only incompetent it should be criminal.

All three of the bureaus allow you to initiate the freeze online. This step may slow down your ability to get loans in the future. I know that we like convenience and speed when applying for credit but so do the crooks!

2) Enroll in a credit protection plan. You’ve seen or heard the ads for Lifelock, etc. They are not the only ones that offer these protection plans. Plans range in price from about $10 a month for an entry level plan to about $40 bucks a month for most expensive plan. You will need to research these plans and match what they offer to your needs. Unfortunately, for a married couple it seems, the cost of the plans will be times two since you have to protect credit files for both files even though much of the data is the same. You may have to protect your children’s credit as well. for a family of four the cost of this service may be as much as $100 per month.
Don’t get sucked in by Equifax’s offer of free monitoring for a one year period of time. Your information, including your social security number, address, DOB, etc. are now out there forever. That horse has left the barn.

3) Monitor your credit. Make sure that balances are not going up or that new accounts haven’t been activated. You will need to monitor all three of the agencies. Use your free credit reports option and review them at least quarterly. You might not be able to stop the criminals but you may be able to limit your losses if you are exposed.

The last thing that needs to happen is we need either to come out of the Dark Ages and quit using our social security numbers as credit file identifiers or we need to go really far back into the Dark Ages and pay cash or barter for everything. The Social Security number was not intended for this purpose.

If you haven’t taken action I hope this will give you a starting point. Don’t delay. Your information may have been out there for a few months already. The websites for the bureaus are as follows:
Equifax –
Experian –
TransUnion –


Bluetooth Marketing is coming to Louisville Kentucky

By now most of us know what Bluetooth is. It is that thing that you enable so you can use “hands free” so you use your phone in your car safely or listen to you tunes through your wireless headphones. Right?

Well, did you knowthat Bluetooth is also a powerful tool for you to find goods and services that you want and need in the area that you are currently in? It is also a way for the business owner to let you know about their business. They can also send you coupons or let you know about specials that are going on right now and in the future.

So how does all this work and how do you get it?

The business owner installs a device called a Bluetooth beacon that would fit in the palm of your hand. That device can send out messages containing coupons, pictures such as menu items in a restaurant, video’s or just about any message that they need to get to you.

You are connected to all the businesses with the beacon through your local community app. It you are one of the millions of people that wants to keep it local, this is the way to do that. The message will hit the lock screen on the cell phone and be stored in your notifications. Once you get the notification it is up to you whether you want check out the business or not. At least you will know that they are there, and this is the big thing, that they may have exactly what you are looking for at that moment.

So who is making all this happen?

Although Bluetooth marketing has been around for a while it is a company called NETcinity that is making an entry into hundreds of cities around the country. They are providing local community apps for free and will even provide businesses on their platinum plan with their own APPs. the business owner pays a monthly fee for the beacon service. The business owner is provided and easy to use portal that they build their message in.

NETcinity will be releasing the APP for Louisville, KY in the next few days and the APP for Mt. Washington, KY in the coming weeks. What is cool about these APPs is the let you find goods or services in any City or Town in world that has a NETcinity APP with connected businesses. Travel to city like Denver and don’t know where stuff is… use the nearme function in the APP to find what you are looking for. You might not have to travel 10 miles to a big box store because a local business has what you need right where you are!

If you are a business owner and want to learn more about Bluetooth Marketing from NETcinity click here or you can contact me at the email address below.

Bluetooth Beacon + Business message + Free Smart APP = Smart Idea.

Fair disclosure: I am an independent Sales Manager for NETcinity

I’m Patrick Cowan thanks for reading