Step 4: Fix what's broken. Be diligent in your activity. Do not let blockheadedness of credit company representatives get you down; burden of proof is on you to show that you did not order those goods. Keep calling, emailing, and sending certified letters repeatedly until you get all false information removed from your credit report. If this happens to you, always identify yourself as a victim of identity theft and supply company with a notarized ID Theft Affidavit available at www.ftc.gov. Becoming a criminal reporter will help as you piece together what thief has done by asking as many questions as you can.

Step 5: Recovery. Does anyone truly recover from an ID theft experience? Looking at your credit report from three bureaus at least once a year is important for everybody to do. For a victim of ID theft, it is imperative. Starting December 1, a nationwide system of fraud detection and alerts will create procedural standards CRAs must follow when a consumer reports an incident of identity theft. By September 2005 everyone will be able to request a free credit report once a year. In event that you are ever victim of identity theft, by being proactive you may be able to shorten duration of your recovery. If you are fortunate enough to live in California or Texas, state law allows identity theft victims to freeze their credit reports. This means a bank or creditor has to request permission via a PIN number from you. Credit report attorneys warn against failing to stay vigilant, though. The danger is that negative data can return to your credit report, so do not assume that once fixed, problem will stay fixed for good. Keep checking your credit reports at least once a year just to make past problems do not return to haunt you in future. Fighting to clear your name takes time, effort, and expense on your part. The good news, though, is that you can get all fraudulent accounts closed, black marks removed from your credit report, and resume some semblance of normalcy in your life. There is no guarantee that these actions will work, that depends on your persistence and good fortune. However, not taking these steps will guarantee you many years of misery, excessive interest rates, denied credit and mental anguish.

Roger Sorensen is a Financial Literacy Speaker and Author - his book "You Don't Own Money" is available online at Amazon.com. He is editor of BrighterFutures.Com and publisher of Money Basics - The Newsletter. His work is copyright protected material, so if you copy, print, and reproduce, etc., please give proper credit.

Some have envisioned nightmare scenarios whereby, as a military application, Nanotechnology and Genomics will lead to creation of soldiers without remorse, guilt, or fear – those sections of his brain responsible for emotion will be held in check or blocked altogether by molecular computers - creating soldiers capable of following orders without question, acting upon orders without fear, without worry, without remorse. This will also be applicable to intelligence sector. In reality however, it will be possible to utterly obviate and render obsolete today’s need for intelligence gathering altogether simply by delivering payloads of nanites to enemy’s water supply – both civilian and military. Or, payload could simply be delivered via air dispersion over wide areas – both battlefield and civilian areas could easily be targeted – remember these computers are molecular in size and capable of integrating with humans at cellular level, and will execute their programming directly to human, including easily reproducing themselves from cellular material. The enemy, in point of fact, would be rendered non-existent if ‘re-programmed’ to be friend, or …… let your own imagination stage scenario. It will be possible.

In field of medicine, a few of many uses will include heart patients injected with nanites designed to clear deposits from circulatory system. Other uses will be nanites designed for microsurgery easily repairing damaged tissue and performing cellular surgery for a variety of maladies. The sky, and imagination of medical community is limit.

Nanotechnology will revolutionize world. There is no aspect of life that will be untouched by this advance. From agriculture to marketing – from biology to communication – virtually all that we can dream, both good and bad, will be possible. It will be possible for humans to carry within them totality of human knowledge, available for instant recall. New knowledge could easily be passed from one human to another simply by touch, or by sight. Communication without speech will exist. Most disease can be eradicated, more food can be grown, and a ‘golden age’ will be entirely within humanity’s grasp. Or, a nightmare world of programmed ‘cyborgs’ will be commonplace. We will soon create a new species, which I have dubbed ‘Homo Superioralis,’ a blending, meshing and melding of human and DNA based molecular processors. Fantastic abilities and health will be available to anyone who carries within them these molecular computers. This is an issue that will soon confront all of us and it will become biggest issue of this century. The time is rapidly approaching, we will have to deal with this and make of it what we will. The technology, in its nascent stage, exists. It is rapidly evolving and emerging. A new world is being born.

How Does This Affect Investor?

Opportunities will arise that we cannot, at this time, comprehend, or even imagine. As with any total revolution, everything changes. Those who invest for long-term in stable and reliable companies at leading edge of current research in this area will be on ground floor of most explosive economic growth in history. For example, HP is expending tremendous effort to be at forefront of this research.

The door to digital, information age is only slightly ajar, Internet and communication revolution barely turned knob of future. We have barely crossed threshold – Nanotechnology will throw door to future wide open.

Of course, some people continued to invest in buggy and surrey manufacturers even as others invested in manufacture of cantankerous automobiles rolling along primitive highways. A new world awaits, there is profit to be made. Make no mistake – Nanotechnology is ultimate next big thing - it will revolutionize humankind.

Timeframe – ten to twenty years max! Do your research and prepare.

Nano is, indeed, investment opportunity of age. As I have stated many times "prepare to profit." Think about it.

Christina Nikolov is the Founder and CEO of ChartWatchCentral, Inc. With almost two decades of charting the stock market and writing numerous stock selections and commentaries, Ms. Nikolov since 2001 has established ChartWatchCentral as an internationally read and trusted and reliable source of financial information.