Too Bad Tim Dinh...

I've never met you, and I'm quite positive you don't want to meet me.

For, you see, Tim, I'm not the gracious generous person you thought I was.

I am not sending you the new laptop you fraudulently paid for using an online account of mine. I'm not sure how you made it through, but bravo. That kind of energy redirected could bring about life changing moments for you.

Sadly, Tim, this is not one of those moments. I will be getting every last penny that you tried to take from me. You'll move on to other unsuspecting victims to try, once again, to obtain something for nothing.

So, if this post serves nothing more than a warning to my friends, family, and followers, so be it.

My advice to all of you? Go change the passwords to your critical accounts. You know which ones they are. Let me ask this rhetorical question...How many of those passwords are similar because it's convenient??

Not anymore, right? Be ever vigilant. Set a schedule. Every xx days, change your passwords. Make a point to look at your credit card and bank statements two to three times a week. It's a fact that if you commit three weeks to something, it becomes a habit. I'd love to say I'm a habitual password changer. I hope to get there someday.

Check your credit report often and please, please DO NOT go to freecreditreport.com. It is anything but free!!

Most of you in the metro ATL area have heard of Clark Howard. Second only to the Queen (aka my personal Certified Financial Panther) I refer to his site often for information and advice. Click here and it describes how to get your truly free credit report.

Don't let this happen to you. Don't rely on someone else to keep their eyes on your money. They didn't work for it....you did! Guard it fiercely!!

Sorry, Tim, go find someone else's day to ruin. This one is locked down...