• DO NOT EVER as a habit carry your Social Security Card around with you!
• Avoid giving personal information over the phone until you verify that the person on the other end of the phone is who they say they are.
• If you are on a wireless server make sure that your Laptop or Smart Phone is on a secured network and has the proper firewalls.
• Make sure that any online site that you visit has Https encryption.
• Check your Credit Accounts EVERY month as well as your bank statement.
• Any addresses being reported on your Credit Report that you do not know may indicate that your Identity is being used by someone else!
• You can sign up with a credit monitoring service such as Free Credit Report.com or Annual Credit Report.com as a consumer and check your credit on a daily basis without it counting as an inquire.
• SHRED SHRED SHRED!  Any documents or unnecessary paperwork that you do not need to keep for legal, tax or proof or receipt Shred!   Never store ANY documentation with your personal information in an unsecured location.

• Fill out the FTC Identity Theft Form and have the Affidavit notarized
• Make a Police Report
• Send in the information to the 3 Credit Bureaus
• Ask the Bureaus to put a "Freeze" on opening any new account

Now is the time to purchase, don't let an opportunity to purchase with low interest rates and low prices pass you buy.   Prices are rising in The Villages so don't wait as today is the BEST day to purchase. 

We have Villas and homes currently being offered from $123,500 to $738,200.  CALL today at (408) 274.8766 for a tour and find your home in this "hidden gem" in Santa Clara Valley.

In December 2010, the City of San José adopted a Single-Use Carryout Bag ordinance that bans single use plastic carryout bags. The ordinance will begin on January 1, 2012 at which point consumers at all grocery and retail stores in San José will have the option to bring their own reusable bags or pay a minimum price for recycled-content paper bags.

Consider the following to prepare for the ordinance: A high-quality reusable bag has the potential to replace over 600 single-use plastic bags over its lifetime. Plastic bags are one of the most common litter items found in creek cleanups. Paper bags are just as problematic as taking 14 million trees each year in the United States to produce a year's supply for retail use. Shopping with reusable bags is a great way to take part in reducing litter and conserving natural resources. Consider the following to help you avoid the bag charge:

• Start shopping with a reusable bag now.
• Keep reusable bags by the door, in your car or near car keys.
• Keep foldable bags in pockets, backpacks or your purse.
• Give your friends and family a reusable bag and encourage them to start shopping with them today.

For additional resources and updates, visit www.sjrecycles.org/bags. If you have questions, please email Bring-ur-Bag@sanjoseca.gov or call (408) 534-BYOB (2962).

Fly to Palm Springs
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Alaska Airlines has added new nonstop flights to Palm Springs from San Jose.

Learn more! 

Client/Business Associate Testimonial:   

 "I have worked with Carla in many different capacities. Carla is always on top of her game and provides expertise and a "can do" attitude in everything she does." 

 "Do not spoil what you have by desiring what you have not; but remember that what you now have was once among the things you only hoped for." - Epicurus