Reviews on Legalzoom

Legalzoom advertises its online legal services a great deal. Some may get the impression that this is a free service. In my one of mamy online reviews on Legalzoom I shall identify what services are free and what requires a fee. At the end I shall provide my conclusion of LegaZoom is a good place to go for legal advice or not. And the reasons why either way. In addition, I shall suggest some alternatives so that you have options if you need a low cost way to obtain legal advice for any issue you may have.

You may want to check out the various reasons that having access to lawyers at a low cost can be beneficial to your peace of mind in one of my Blogs; How To Live A Stress Free And A Happy Life In One Way You Never Thought Possible!  

What Exactly Is Legalzoom?

Legalzoom was founded 15 years ago. It’s headquarters are in Glendale, California. It promotes itself as an online legal technology company. Its focus is to service small businesses and middle class families with basic needs. It helps customers create a host of legal documents such as wills and trusts without the need to hire a lawyer.

Their services fall under four categories. Business. Wills & Trusts and Family. Intellectual Property. Contracts and Agreements.

Attorney consultation plans are also available, For a monthly fee you can access a lawyer to discuss any legal issue may have. There are two plans, one for business and another that is for personal issues.

When you review the service offered, they are heavily skewed to serve small businesses more than individual or family cases. The business services are very extensive. There differences are also reflected in a higher monthly subscription for business compared to individuals and families.

Although consultation with a lawyer is included in the plans, document reviews above 10 pages cost extra. The first 10 pages are included in the plans. There is a charge for making wills depending on several factors. If you need to hire a lawyer to represent you in court, there are additional charges for that at a discount.

I couldn’t find a plan where all family members were covered. The only area where kids are addressed is in Estate Planning.

In summary, Legalzoom claims to offer legal services that costs less compared to hiring a lawyer each time you needed their service. Or you paid tom keep a lawyer on retainer.

How To Get The Best Value From Legalzoom

Go to their website and check it out carefully. Navigating this site is not the easiest to do because the website design is disjointed and confusing. If your need is specifically for small business, it is easier to navigate. When you scroll down the Home Page, there are several areas that one would think was clickable for more detailed information. That is not so. Be aware that there is a statement about Flat Fee Pricing.


There are two levels of subscriptions. The Business Advisorty Plan starts at $31.25 a month. Their Legal Advantage Plus starts at $9.99 a month. These prices are based on annual billing. If paid monthly, the prices would be higher. Be careful when you interpret the prices. In connection with attorney services they state,

“Whether you use a self-guided or attorney-supported service, you can always count us to be upfront about pricing.”

Estate planning starts at $149.

If you wanted to create a legal form, a single one costs $14.95. If you would need to fill out legal forms on a regular basis they have a monthly fee of $7.99. However, if you purchased a Business Advisory Plan this service would be included.

My advice is that no matter what you read in the plans or services, call them to find out exactly what the cost will be. Legalzoom does not provide a matrix showing all the prices to minimize any ambiguity.

Customer Reviews

You can fund these yourself. Consumer Affairs is a good place to read unbiased reviews. I was very surprised to find the majority of the reviews were one out of five star rated. No matter how good the plans are, if the customer experience is poor, then red flags should go up. And one should think very carefully if any company with consistently bad reviews should be considered.

Here is an independent site that compares several prepaid legal services that you may wish to check out:

I would like to point out that LegalShield is at the top of this list by a wide margin. Legalzoom is in third place.

Desirable Characteristics Of A Subscription Legal Service

The first characteristic I would look for is a well-defined list of services that were covered by a monthly subscription. I don’t want to see add-ons. There should be unlimited consultation with a lawyer as part of the monthly subscription. If a lawyer is necessary to represent you in court, in certain situations that should be covered, And it was outside of covered services I would expect that to be clearly defined and look for a discount.

My Recommendation

I found the Legalzoom plan barely adequate for basic legal needs. In cases where you needed solid legal advice, they appeared to be lacking. When compared to the plans offered by their competitors, Legalzoom could end up costing you more than what you pay for the monthly subscription.

If you need a prepaid legal service, I strongly advise LegalShield. I wrote a review about them HERE.

I’ve not mentioned this before but LegalShield offers perks that I’ve not seen any of their competitors offer. This comes in the form of significant discounts with several major retailers like, Target and Sams Club and companies with a wide range of products and services ranging from electronics, computers, hotels and travel. A member can save in average $2000 a year. This will more than pay for the subscription.

First, check out my review on LegalShield after which I urge you to do your homework before you make a decision. If you choose LegalShield I want you to feel that it was indeed the right choice and not only because of my recommendation.







Does LifeLock Really Work?

LifeLock was founded in 2005 and based in Tempe Arizona. Purchased by Symantec in 2016. It merged it’s Norton Cybersecuriity unit with LifeLock adding it to their plans. The radio and TV are filled with ads from LiceLock promoting its bundled online and device services with Norton.

In this review I shall be covering Its pricing plans and what you get for each plan. Is there a family plan? I shall also be discussing some concerns about data breaches experienced by the CEO of the company and the company itself. Customer reviews are a good barometer to answer the question Does LifeLock Really Work? Is it for you? Is there a better alternative?

Pricing Options

The following matrix details the various plans offered.

First of all the question needs to be asked, do you need an Identity Theft Protection Plan in the first place? If you lose your wallet, it is possible to call the credit card companies and get your cards closed and replacements sent. You can also alert the Department of Motor Vehicles and get a new Drivers License. Hopefully you will not have a copy of your Socioal Security number in your wallet. But if you do, alert the credit reporting companies of possible fraud. Contact the Social Security Administration to get a replacement card.

Herein lies the biggest problem. If you discover that another person is using your identity to commit fraud, theft or worse. An Identity Theft Protection Plan will provide you with the restoration of your identity back to before someone stole your identity.

Financial Protection

One of the most attractive benefits of this plan is the financial protection provided. Stolen funds reimbursement ranges from $25K to $1 Million. The same range applies to Personal Expense Compensation. This covers legal and restoration expenses incurred. As you can see, the basic plan costing $9.99 a month could reach its limit of $25k before the issues are resolved. Hence, it is almost worthless. If I was considering a LifeLock plan, the minimum would be the Advantage Plan costing $24.99. The basic plan also stops short in the alert and monitoring services. I would select the Ultimate Plus Plan.

Plan Limitations

There are several limitations with these plans. The first is they only cover one drivers license and one social security number. They do cover up to 10 credit cards. LifeLock does not have a family plan option. But they do have a plan for Juniors that costs $5.99 per child. Let’s look at what a family with two kids would cost with the Ultimate Plus. That would run almost $42.

You may ask is it really necessary to have Identity Theft protection for a child. Children ate extremely active on Social Media and go online for a variety of reasons. When they register for these services as well as gaming plans, they often have to provide their personal information. Kids today also carry smart phones where their whole life history is essentially stored. If a child’s identity is stolen it may not be discovered until they are grown up and get denied a loan because their identity was stolen when they were minors. So yes. I think it is essential that if you get an Identity Theft Plan your children would need them too.

All things considered, I highly recommend getting Identity Theft Protection. The question is should it be with LifeLock?

Let’s press on with my review.

Data Breaches

Clearly you would take for granted that the data you have provided LifeLock when you purchase a plan will be safe with them. Would be surprised to know that LifeLock has a history of data breach and misrepresentation problems?

In 2007, its CEO bragged that he could publicize his Social Security Number and he would feel 100% safe from his Identity being stolen because he had a LifeLock Plan. Guess what. His identity got stolen! In 2010 the FTC sued LifeLock for misrepresenting their plans. They guaranteed their customers that their identities would never be stolen if they were covered by a LifeLock plan. The FTC begged to differ and in 2015 said that the history of LifeLock as well as with other organizations, nobody could guarantee their customers would be totally safe from Identity Theft.

LifeLock’s stock dropped by half!

Roll on to 2018. There was a flaw in the LifeLock system when a bunch of Emails were stolen. To be fair, since then LifeLock has fixed its problems. Let’s ask again. Does LifeLock Really work?

Customer Reviews

I’ve added a link above to Consumer Affairs LifeLock customer review page. You will notice that the vast majority of customer reviews are negative. And for many reasons. No matter how good the plans appear to be on paper, would you want to have the problems these customers have had? And many are quite recent. You be the judge. In addition, I have also shown that all these plans have significant limitations. One that I have not brought up yet is that except for the Ultimate Plus plan, the lower priced plans have only one credit reporting company monitored.

So what do you think?

My Recommendation

To be fair to LifeLock, they have cleaned up their act. I also like the AntiVirus protection that comes with their subscription for up to 5 devices. However, their family plan has much to be desired.

There are several other Identity Theft Plans available including Identity Guard and IDShield. My recommendation would clearly be IDShield. Here is the brief review I conducted on them. You can get a family plan, including data monitoring, that covers up to 10 individuals, for $24.99.

Unlike the other Identity Theft companies, IDShield has an app for your mobile devices that provides a wealth of information including your up to date credit score at your fingertips.

LegalShield who owns IDShield, provides every member with Membership Perks. Some companies that offer significant discounts to members are, Target, Verizon, Major League Baseball, Vivid Seats, AMC Theaters, HP, Blue Apron, Sam’s Club etc. etc. By using these perks on a regular basis, your membership could be paid for each month. I shall do a review about the extra benefits of being a member of LegalShield and IDShield in the near future.

    How To Do Network Marketing Online – Part 1

    Are you involved with a Network Marketing Company? Have you followed their systems and struggled? You see the success all around you, or so it appears, and you wonder why is it you are not succeeding? Doesn’t this work by duplicating a successful simple system your company has created? And then teach those you bring into the business to do the same?

    How come it works for everyone else but doesn’t work for you?

    I have written about How To Make Money With Network Marketing Online. This was intended to be a general approach and did not give the nuts and bolts. In this series of Blogs I am going to reveal some secrets on this subject.

    Rather than speaking in general terms, I shall be using my Network Marketing Program as a test case. The principles I will be revealing here will apply to any other company. Let’s begin

    What Is Network Marketing? – A Brief Primer

    Network Marketing is a business model where products and services are sold through a multilevel network of distributors. In order for the system to work each distributor needs to sell only a few products. As well as recruit others to join their team and do the same.

    Each company has a compensation plan to show how commissions are paid out. I shall not be discussing compensation plans since they are all different. The companies can do a much better job in explaining their compensation plans compared to me.

    The biggest problem for most was in recruiting effective distributors and then training them to do the same.

    What if there was a system where you could build a network of engaged distributors who were able to duplicate what you were doing?

    Everything is done online. No need to talk to family and friends. Or talk to strangers and invite them to meetings.

    OK Let’s GO! – The Opportunity Phase

    How do you do Network Marketing online? Let’s start with the Opportunity Phase. I am going to break the process down into simple steps. I shall state what the step is. Then provide details in subsequent sections. Here is where you learn to develop your website that will attract interested prospects to you. You can then share valuable content about your opportunity

    Opportunity Phase

    1. Create your website that will attract traffic.
    2. Include a series of Blogs with valuable information.
    3. Where appropriate add links to your landing page in your Blog. Sparingly!
    4. Give them the option of signing up as a customer or associate.
    5. If they are not ready, provide a form to collect their information.
    6. This information should automatically be entered into an AutoResponder.
    7. Emails are sent spaced several days apart at various intervals and time
    8. More information will be sent progressively, with sign up opportunities.
    9. Once a prospect signs up they are put on a Retention Campaign.

    This is just an overview. We shall go into the details, starting in the following Parts. It should be clear that this Blog is intended for those who already want to build a network marketing business online. It is not intended to tell you why that is a good idea. I covered that in my Blog, How To Make Money With Network Marketing Online. 

    We will start below with tips on creating your website.

    1 – Create Your Website That Will Attract Traffic

    Instead of paying a lot of money to purchase leads that may not even be recent, I highly recommend developing your own business building website. Let me introduce you to one of the best kept secrets in town. An Online Business University that you can join for FREE! Click the WEALTHY AFFILIATE Banner below to find out more and enroll for free.

    No credit card required!

    Here are some critical details about your website. The focus should be on your customers. You need to know what problems they have and how your product or service will solve their problems.

    Do not have your company links posted everywhere. In fact, at the beginning, don’t say anything about your company. That will come later when curiosity is peaked and your prospects ask for more information.

    In Network Marketing the purpose is not only to market the products or services but also to build your team of associates who like you, want to realize their dreams, by creating a business that pays residual income. Network Marketing can do that for you.

    You must figure out who you want to work with. The skill is to be able to use the Internet to help your team mates come to you. Another term for this is called Attraction Marketing.

    These questions are addressed with your Blog posts. Create an outline on what topics you want to cover and in the sequence that will give you the best opportunity for success.

    When you click this banner you will reach a page where you can sign up with Wealthy Affiliate for free. The following image is the Dashboard page of my Wealthy Affiliate website. You will get a similar one.

    Notice the titles of the tabs on the left. I will list them below with a little explanation of each.

    1. Dashboard – Here you will find a link to pick up where you left off in your training. You’ll see a constant flow of new members arriving by the hour from all over the world. If you could scroll down further you will arrive at the latest Blogs, Members Questions, Success Stories and more.
    2. Training – Wealthy Affiliate has a training plan on creating an affiliate marketing business that is very apt to find prospects for your Network Marketing business too.
    3. Websites – This link will take you to the website building area. Everything is so well laid out. WordPress is the web building tool that over 30% of the world users. It is very powerful. And you get over 3000 templates to choose from.
    4. Live Events – Every Friday evening Pacific Time, WA conducts a live Webinar on helpful topics on building your business. Typical webinars are on Google Analytics, Google Search Console. Bing Webmaster Tools, YouTube and much more. You can ask questions in real time. If your question is chosen you’ll get an immediate answer.
    5. Research – This is where the magic happens. The Jaaxy Lite Keyword finding tool is worth its weight like in a thousand dollar note! You can do so much more than find Keywords on Jaaxy.
    6. Live Chat – As its name implies, there is a live chat area on the right of the website, 24/7. You can ask questions and receive immediate response.
    7. Help Center – As its name implies, you can use this area to ask for help to some pretty high level individuals!

    When you click on the banner below, you will go to a Wealthy Affiliate review where you will find a great overview of the company and how it can help you. There will be sign up links there if you are ready to give it a try for free.

    In Part 2 we shall go over the rudiments of Network Marketing. Reasons why old school processes could be bad for you. And the reasons why online marketing methods have a much greater probability for success.

    Network Marketing is not for everyone. But if done correctly, the possibilities of significant income are quite high. Affiliate Marketing has great possibilities. But why not over time, create multiple streams of income where you can use the lessons learned for Affiliate Marketing can be used to build a successful Network Marketing business?

    In the meantime. I suggest sighing up at Wealthy Affiliate for free and start using the program to create your own website!


    How to Defend Yourself In Civil Court

    In this article I shall discus the options you have if a civil lawsuit is brought against you. Hopefully this will never happen. But it can. In todays society, there are enumerable reasons why you could be sued in civil court. Here is a short list:

    1. You or your property are accused of causing personal injury
    2. You are not able to meet a contract you signed
    3. Your landlord is suing to evict you
    4. You are sued for unpaid debts
    5. You are sued for defamation of character for an article you published

    There are some important distinctions between a civil and a criminal lawsuit. Some examples are:

    The burden of proof is much higher in a criminal compared to a civil case.

    A prison sentence is possible if found guilty in a criminal case.

    Guilty in a civil suit often results in paying financial compensation to the accuser.

    In a criminal case if you cannot afford a lawyer, the court will appoint a public defender free of charge.

    In a civil case the defender will have to provide their own lawyer or represent themselves.

    Defend Yourself In Civil Court

    Let’s talk about how to defend yourself if you are sued. The best option is to pay a lawyer to represent you. What if you cannot afford a lawyer? In a civil suit the court will not appoint a public defender for free like in a criminal case.

    The only option is to defend yourself in civil court. What can you do? The whole process starts when you receive a subpoena by the plaintiff. This document is generated through a court. The charges will be stated. A date will be provided before which you must file a response to the court.

    You also have the option of filing a counter suit in connection for this case if you feel that you are the one who experienced damages by the accuser. This must be filed when you respond to the subpoena. If you do not do this at that time, you wil forfeit your rights to counter sue later.

    Your best chances of defending yourself successfully is being thoroughly prepared. You can be sure that the lawyer representing the plaintiff will take every advantage of your ignorance of the law to win their case. You cannot use ignorance of the law to win your case.

    Your Options

    We already discussed your first action. That is to answer the subpoena. And file a countersuit if you feel you were the damaged party.

    You have several options to research the relevent law in question:

    • Visit your local library
    • You can go online here to find the answers you need:
    • You can also get help from free legal research services online
    • You may work for a company that offers free legal consultation. If so take advantage of that
    • Ask to speak to law students at your local university to dicuss your case and get tips
    • File for information on your case from your acusser. This can include documents they have and details of any witnesses they may be using in their case
    • Attend any scheduled pretrial conferences. Be prepared to negotiate settlements that you are able to. Be willing to concede certain certain issues that you agree are not in dispute
    • Oppose any motion for a summary judgement against you without a trial
    • Agree on a trial date

    Even once a trial date is set, you always have to option of meeting with the plaintiff and their lawyers to discuss settlement options. This will give you more time to conduct your own research to find out what options you have.

    There is no easy way around this. When you do not have a lawyer representing you the plaintiff is at a huge advantage. You are verify clearly at risk. So what are your options of finding a lawyer?

    Here is a website that provides advice on this very issue.

    Even so, it becomes clear that getting free or low cost legal representation is not easy. One of the reasons is there are far too many individuals who are seeking the help of lawyers who donate their services for free to those who cannot afford to pay.

    I suggest trying all the options I have discussed above to find the best way to get assistance to defend yourself in a civil lawsuit. You may even want to do your own research.

    Sadly, once you need the services of a lawyer, the problem gets magnified. Imagine if you didn’t have auto or home insurance and you were involved in a car accident. or your home was burgled? You would be in serious trouble. That is why we have insurance.

    I strongly suggest you doing research in finding prepaid legal assistance companies and subscribing to their services before you ever need it. And like any other type of insurance, except life, you hope that you hope you never have to use it.

    Options for Prepaid Legal Help

    Legal Zoom is one such company. Rather than I tell you all about their services you can click the link I provided and find out the details for yourself.

    The American Bar Association is another option you have to see if this is right for you.

    Lastly I’d like to direct you to the prepaid legal service that I use, LegalShield. To be transparent, they are an affiliate company I represent. I have no connection with the first two companies listed above.

    If you wish to learn more about the advantages of paying a low cost monthly subscription, I have discussed this extensively in my website, How To Have Peace Of Mind – A Path For Righting Wrongs

    My Fervent Wish For You

    I truly wish you are never in a position where you are sued. This can be one of the most stressful periods in your life. If it makes sense to you, I strongly recommend being prepared just in case you need legal help, before it could even happen.

    Although I have limited this article to civil suits, the magnitude of the problem gets raised far higher if you are facing a criminal lawsuit. This could be based on a false accusation for example. When you consider the possibilities of such a situation happening, being prepared takes on a whole new meaning.

    Please make any comments, ask questions or discuss experiences of your own in the comments section below. I would be very appreciative if you did.


    How to brand yourself with social media

    The first question should be, “Why is it necessary to brand oneself on social media?” If you are interested in is socializing with family and friends, there is no need to worry about branding. What if you have a business? Be it online or bricks and mortar. In either case creating a brand that provides value to your customers can help give your business special recognition.

    When you look at the picture on the left what comes to mind? London off course. Where Big Ben is known to be located. But this is a misnomer. Big Ben is actually one of the bells inside the clock tower. And this building, The Houses of Parliament is located in the City of Westminster. Not the City of London.

    This is a powerful example of how branding can trump the facts. This structure is so iconic that it is a symbol of London. I bring this up since it is a good example of Branding. Just seeing this picture conjures up the atmosphere of London.

    The same goes for the Eifel Tower. Seeing a picture of that structure signifies Paris. And the ancient Roman Coliseum, Rome. These are all examples that demonstrate the power of branding.

    Now look at the following logos. Do you see the name of the company written anywhere? Logos are very much a part of signifying a companies brand.


    I don’t need to tell you what companies they represent, but I will do it anyway. Nike, Mercedes-Benz and Apple. They are titans in their respective domains. Nike for sports shoes; Mercedes for luxury cars and Apple for hi-tech devices like the iPhone and sleek designed computers.

    A brand conveys the essence of a company. They have worked hard to create brand awareness and maintain a very high standard of product quality and customer service. These well-known brands do not compete on price. They develop loyal customers who want to create a desirable image for themselves at expensive prices.

    There are other brands that convey value for money. Like Walmart and Costco. Companies like FedEx and UPS, have developed brand awareness for delivering parcels. Amazon, Google and Facebook dominate the online world.

    All these companies have one major characteristic in common. They have developed a loyal customer base who in general are happy with their purchase and services and keep returning to buy their products

    Brands can also suffer when the company lets their customers down. Like Facebook and the regular issues of maintaining customer privacy. When the data gets hacked, the brand name suffers. But not catastrophically. the vast majority of these companies have recognized the importance of having a presence on social media. Check them out for yourself.

    Your brand in social media

    Wealthy Affiliate has shown the importance of using social media to expand one’s business as a compliment to SEO. There are multiple ways of building traffic to our website, which is in essence our store fronts. One of these is social media. But how does one go about it?

    It all begins with creating your own fan or business page. There are many tutorials here that tell you how to do that. Once you have that presence, what next?

    You create blog posts on your social media accounts that allow visitors to discover how you can help them with tips on problem solving using the products and services you represent. But that is only one part of the equation.

    Every niche has product support pages in every social media platform. Become friends on those pages. Some are closed groups so you may have to apply to be accepted. Often all it takes is to show that you have the same interests as what those pages are about to get the OK.

    Once you’re in, it is time to get active. There is a right and wrong way to participate.

    DO NOT

    1) openly promote your websites or social media pages or products and services. This will show you are only interested in using their sites to find customers

    2) post several times a day. This will give the impression that you have a level of desperation to make friends there

    3) push your products on friends you make in those sites


    1) engage in conversation to show that you are interested in the topic that these sites represent

    2) try to find common problems visitors and members of these sites have through the general discussion tone

    3) build relationships based on common interests

    4) offer constructive advice to demonstrate you are an authority on those topics

    5) offer solutions that directly solve problems discussed

    6) build trust first. Then offer members links to check out the solutions you have in your own social media pages.

    7) take whatever time is necessary to create your own brand awareness in these encounters


    By now you should have developed your own logo. Use these on your social media sites and your own websites to connect you as the brand owner. Building a recognized brand doesn’t happen overnight. It requires patience and regular engagement. I recommend making no more than two posts a day on the social media sites you have joined. Make every comment and post relevant to the members. Provide value at all times.

    These are the characteristics we are taught here at Wealthy Affiliate. Use the lessons learned on social media platforms.

    Become the Authority and Go-To person – Problem Solver


    Once you develop the reputation as the go to person to solve problems, people will seek you out. In order to become such an individual you will have to do your homework in your niche so thoroughly that you become an authority on the product. You do not need to own the product to achieve this status. When you write effective product reviews and show how these products solve specific problems, you will become the expert.

    Create videos on Facebook and YouTube where you demonstrate your expertise. When you arrive at this level, you will have accomplished a great deal in cementing your brand awareness in your newfound, expanding customer base.

    Just Do It!

    What is the best Identity Theft Plan?

    • Identity Theft

    What would you like in an Identity Theft Plan? I’ve already provided an overview. In this Blog I am going to get down to the specifics. The following is an outline of the services you would like to have in an Identity Theft Program:

    • Security Monitoring
    • Privacy Monitoring
    • Social Media Monitoring
    • Identity Restoration
    • Password Manager
    • Consultation Services

    Let’s take each of the above services and review the details.

    Security Monitoring

    Monitor and alerts in the case of any suspicious activity regarding your:

    1. Credit
    2. Social Security Number
    3. Court Records
    4. Up to 10 Credit Cards and Debit Cards
    5. Up to 10 Bank Accounts
    6. Any payday or quick-cash loans in your name

    Privacy Monitoring

    Monitor and alerts in the case of any suspicious activity regarding your:

    1. Name
    2. Date of Birth
    3. Social Security Number
    4. Address Changes
    5. Passport and Drivers License
    6. Up to 10 Email Addresses, phone numbers and medical ID numbers

    Social Media Monitoring

    1. Monitor for Privacy Risks
    2. Personal Information
    3. Geotagging
    4. Reputational Risks
    5. References to Drugs, Alcohol, Violence, Foul Language, Other Online Misconduct

    Identity Restoration


    Team up with a dedicated licensed private investigator to help recover and restore your identity to it’s pre-theft status.

    Search and Review ALL relevant history, reports, databases, records and logs.

    Password Manager


    1. Securely saves all your passwords with Military Grade encryption so you don’t have to remember them
    2. Will generate unique, complex passwords for your accounts so that all of your passwords are strong
    3. Will sign in to accounts for you when you visit known sites so that you don’t have to manually type in your username/password
    4. Update a password on one device and it will update across all devices

    Consultation Services

    Get advice, assistance and alerts regarding:

    1. Online Scams
    2. ID Fraud and theft related to medical records, criminal records or the identity theft of a minor or the deceased
    3. Sex offender searches
    4. Lost or stolen wallets
    5. Credit freezes
    6. Online shopping, communication, and security
    7. Data breaches

    Why do I call the above Identity Theft Plan the best? See below for more benefits!

    Individual plans:

    1. Covers you and includes all the benefits described above
    2. Complete monitoring
    3. Unlimited consultation
    4. Comprehensive restoration
    5. $5 Million Service Guarantee
    6. IDShield Vault Password Manager
    7. COST, $9.95/month

    Family plans:

    1. Covers you, your spouse and up to 8 dependent children and includes all the benefits described above
    2. Complete monitoring
    3. Unlimited consultation
    4. Comprehensive restoration
    5. $5 Million service guarantee
    6. IDShield Vault Password Manager
    7. Child monitoring
    8. COST, $24.95/month

    So What Do You Think?

    If you have any questions please ask me.

    The Identity Theft Program is called IDShield and the services are provided by KROLL, the international security company who are huge in the corporate world. They have provided protection to our IDShield members for over 40 years.

    You can access the sign up page at:

    IDShield Logo

    I am always available to assist you in any way I can!

    While you are considering Identity Theft Protection, why not review the issue of setting up Comprehensive Legal Protection too? You can check that out here:

    Do I Need Identity Theft Protection?

    A more important question is Why Do I Not Need Identity Theft Protection

    Your Social Media Data and Credit Card Data

    Make a list of all the places where you have your credit card information stored. Like Amazon, major stores such as Walmart, Target and the cell phone companies you do business with. Add to this list all your social media accounts such as FaceBook, Instagram, Twitter, Pinterest, Google, Snapchat, the list can go on and on.

    If you are married and have children, especially those who are teenagers. Add all their social media accounts to that list.

    What if your information got compromised?

    We hear stories almost every week when some organization got hacked and accounts stolen. Maybe you happen to be connected to one of those.

    What do you do?

    I will tell you how you can get out of this mess shortly. But I have a better suggestion. Why not plan on getting your identity protected before you discover it is compromised? Ask yourself, what information about you is actually stolen when a company you have your data stored in gets hacked. Here’s a short list:

    Your Social Security Number

    Your Drivers License Number

    Your Credit Card data that includes the number, the expiration date and the CVC number at the back

    Your address

    Your Date of Birth

    Perhaps your income in some instances

    The answer to the question Do I Need Identity Theft protection should be easy. A resounding YES!

    What would you do if you didn’t have an Identity Theft plan in place? Take five seconds and think about that!!

    You definitely do not want to tackle sorting things out yourself. It could take you down a rabbit hole and drive you crazy.

    Click the following picture for a short video

    Your Wallet


    We’ve talked about your information held online. Another place where this data is kept is in your wallet. What if you lost your wallet?

    Let me tell you a story. I was traveling on a trip to England couple of years ago. I made a purchase at a store in the duty free gift area. I needed to buy a pen as I had forgotten to take one with me. I placed my hand in my pocket to pull out my wallet. It was not there! I searched all my pockets and there was nothing. I panicked. My mind started to think about the last store I made a purchase. I ran back there. Fortunately the store clerk had noticed I had left it on the counter and took it to security. They went and got it back for me.

    I was so relieved. But think what options I had if I had really lost it. On my phone I have an icon for IDShield. One press and I would be connected to experts who would start the process to protect my identity immediately. That would include canceling all my credit cards. Notifying Social Security what had happened. They would get replacement cards sent to my destination. And if anyone tried to use my information, they would be caught.

    The best policy is NOT TO NEED to use the service. Like Auto Insurance. But it is reassuring to know you have that protection in place.

    Your Family

    The Family plan includes husband and wife and your kids. Wouldn’t such a plan give you peace of mind? You cannot police your kids and how they give out their personal information. The next best thing is to have an IDShield Family Plan that would protect them from the theft of their data when you cannot.

    Your family means more to you than anything else in the world. You want the best for them. In today’s environment, it makes sense to make sure their identity is protected.

    If anything goes wrong, click on your phone app icon and you will be in safe hands.

    How This Protection Works

    Your information resides in a myriad of places. IDShield cannot manage what these companies do to provide Identity Theft protection. What IDShield does it employs a company called Kroll that is in the top of their field in cyber security as well as fraud protection and many other monitoring methods to keep a look out for any of your information is compromised.

    You receive reports regularly. If there is an issue you are notified immediately and they get to work to protect you from harm. They will do all it takes to protect you.

    I will provide more details in a future post to give you the extent on what level of ID Protection and in all the areas you are covered. If you wish to get a head start you can access this information by clicking the icon below.

    The Bottom Line

    You may have your credit cards protected in one place, And your other pieces of information somewhere else. You may even have an Identity Theft protection plan offered by someone else. And that is excellent. At least you are aware of the importance of protecting your identity and if applicable your families too.

    I’d like to provide you with one more fact and that is to do with pricing. The cost for a Family Plan with IDShield is much less than another company that has been advertising a lot on the TV recently. IDShield doesn’t need to advertise. It has individuals like me who care personally about your security and will make sure you get a plan that meets your needs completely.

    LegalShield and IDShield are directly connected. And I represent them both. Hence, I am fully equipped to assist you also with Legal Protection. My website has focused more on the latter. You can get advice in picking the best plan for you here.

    Ask yourself the question one more time.

    Do I Need Identity Theft Protection?

    This time I will let you answer that for yourself.

    Thanks for your time and I hope to be of service to you soon!

    What Is The Key To Success In Life?

    What does SUCCESS mean to you? This is a very personal question. It means different things to different people. We first need to define what success means to us and then figure out what is the key to success that is unique to our definition.

    I shall tell you what success means to me and at the end I will reveal what is the key to my success.

    I like to think of success as having the resources to help me leave a legacy. It means having money. Enough to fund a major program described below!

    Of course, I would like to afford a large home overlooking the ocean with a sandy beach below. It would be wonderful to own several cars, each for different uses. Like a luxury car, chauffeur driven, to attend special functions. A car that can be driven on rough terrain to explore places off the beaten track. And naturally a coveted sports car that I would like to take to a race track and drive it at speed for fun and exhilaration, with a coach next to me giving me advice for safety!

    Although I have traveled extensively, and visited 27 countries in my life, there are more countries I would like to visit. And by first class too!

    However, none of these things would help me leave a legacy. When money, or the lack of money is not an issue, just think about the number of things you or I can do to make this world a better place! And that my friends is my burning reason to accumulate wealth. I want to use wealth as a tool to help others make a difference in their lives and by default in our world too. I would like to explore some of these possibilities.

    My Legacy – Can I leave this world a little better than I found it?

    It excites me to think about all the things I can do if money was not a limitation. What about you?

    Children are our future. Isn’t it important to equip them with the tools and the skills along with a work ethic to accomplish amazing things in their lives?

    I have made connections with youngsters who have a passion for sports, entertainment, acting, culinary arts, saving our planet and helping animals among other pursuits. It is inspiring to me to think about the positive impact they will have on our planet. We hear a great deal about how kids these days waste all their time playing video games and texting. These kids do too. With one major difference – in moderation. They don’t have the time to waste, because they spend many hours each day honing their skills.

    My passion is music. Hence, I have developed friendships with young musicians who are passionate about creating and performing great music. Not all can afford to do this as much as they want to. I know of parents who have made great sacrifices in their lives so that their sons or daughters can pursue their musical careers.

    It is a proven fact of life that the study of music can have an impact in academic subjects as well as in many other aspects of a child’s life. Here is a site that talks about the many benefits of musical education in schools

    Hence it is very reasonable to conclude that if I can foster the musical education of kids I would be having a far greater impact in their lives that goes way beyond music. And that would give me the opportunity to help far more people that I could ever do just through my efforts alone. And it will keep on giving long after I am gone.

    I have been thinking about this a great deal. When, and not if, I accumulate great wealth through my online activities, I shall create scholarships for kids to fund their musical education. And they would be substantial amounts for each child.

    The right to these scholarships would have to be earned. And that can be made a fun activity for the child. Boring is something that it will not be!

    Team of Experts – To help me in the selection process

    Although I play the piano and keyboards as a hobby, and earned my piano teaching diploma from The Royal Academy of Music when I was in my early 20s, I also got a degree in Electrical Engineering and Electronics before my piano diploma, and decided that a career in electronics would be the sensible thing to do. I have no regret at all for putting music on the back burner. My engineering career was very exciting and rewarding indeed. As part of a team I designed cockpit displays for military and commercial aircraft that are still flying today. I am retired now and have more time to pursue other activities like developing the knowledge and skills to create an online business. Why not you join me in the same pursuit?

    I will create a network of musical specialists to help me in my objective. My musical experience will equip me to ask prospective team members the right questions to help me build a team of like-minded individuals who enjoy music and wish to foster the love of music in children.

    Selection Criteria

    There are two categories of kids I have in my mind who could benefit from my plan. The first would be kids who have potential in music but do not know it yet because they’ve never tried or been encouraged to do so. The reason is often due to family economic limitations. The second would be kids who do indeed learn music. But their progress is greatly handicapped for family economic reasons too. How do I plan to find the right kids in each of these categories?

    • Sources to find kids suitable for this program.

    My target would be schools, boys and girls clubs, religious communities and the use of online methods. An invitation would be sent out to these entities detailing what this program is all about and to get feedback. There will be no cost to the entities involved. Parents would be an integral part of the program and a necessary part of the dialog.

    • Exploratory meetings.

    The first objective of these meetings is to educate the parties involved on the program and its goals. Key team members with specialized musical skills and experience will be there to answer any questions. The second objective is to find out if this is a program they can support. It will be made clear that the kids would have to qualify for this program. Details of the qualification process will be presented to them. This process will be developed by the team so it is too early to detail that now.

    • Means Test

    Children who are from wealthy homes will only be eligible. for a fair fee. Hence, there will be a means test to decide which families will need to pay and which families wont. The purpose is to level the playing field.


    I know there will be many hurdles that we will have to cross. Problems will arise that we would not have thought about before. Anything of value will have problems that must be overcome.

    The Ultimate Goal and the Answer to the Title Question

    The ultimate goal is to help these kids discover and elevate their musical talent and in the process experience the various benefits of musical education

    One of these benefits is the manner in which they will positively impact others through their musical talents.

    So what is the key to success in life?

    Quite simply, the answer is A LEGACY of MUSIC!

    In order to accomplish this goal I know I will have to create significant wealth. I will not do this alone. This will be accomplished with imaginative partners who will respond to my business plan and in the process make money for themselves too. This has got to be a win-win situation for everyone involved in this project.

    Isn’t it great to DREAM! I challenge you to

    Let’s Dream BIG TOGETHER!