You can also monitor your credit for signs of identity theft. More than 10 million cases of identity theft were reported to FTC last year alone! (For steps on how to prevent ID theft, see free e-book offer at end of this article).

2) How do I check my credit report for FREE?

The FACT Act required three major credit reporting agencies to set up an internet site where consumers can request their reports at no charge annually. That site is

Global Warming

Global warming is reality. Ocean levels will rise. Low-lying countries will disappear. River deltas, like Nile, will either be covered with salt water or salt water will invade groundwater table making irrigation agricultural impossible. Since deltas are a major source of food production around world, food supplies will diminish. Climatic zones will move North and South from Equator. While North American wheat belt will go north, it will take centuries for Taiga soil to evolve to point where it can support commercial wheat production. As global warming continues and population grows, food production will fall. Within thirty years, there won't be any food exporting countries. The economic bubbles that are India and China will have burst and struggle will be to feed people not to export goods to West.

There are scores of environmental problems whose bills will become due in next fifty years. We lack resources and technology to meet challenges of these costs. The Mother of All Depressions will be followed by a Multi-Century Dark Ages.

Your Family's Lifeboat Options

If you're over 50 years of age and without descendants, you need not worry too much about future. You won't be around when things really turn bad. If you have a family and want to see your children survive future, there are some steps you should consider taking now:

1. If you live in a country that is likely to have severe economic and environment problems in this Century, immigrate now. Canada or New Zealand should be your first choices. You should consider Australia, Western Europe and United States. Immigration is difficult, but it is certainly possible.

2. Anyone under 40 years of age should have some skill that would be needed in a Depression where local currency has become worthless. For instance, if your profession is in construction, agriculture or medicine, you have such barter skills. If you are a store manager or a bureaucrat, you should consider developing a useful hobby, like gardening, canning, or fishing, into a barter skill. You should encourage your family members to do same.

3. Globalize to Survive. While governments discourage their citizens from moving assets offshore, it is essential to do it for long-term survival of any family. If your children must move to another country, having money to do so is essential to making a success of life in their new home. It's not that difficult to open an offshore bank account or create a foreign corporation. It's a wise insurance policy against an uncertain and probably bad future.

If you disagree with my view of future, make a copy of this article and read it again in twenty years. If you believe that preponderance of evidence supports my vision of future and want more detailed advice on how to function in a world gone mad, email me at: Beowulfinvestments@Earthlink.net