By Gary E. Cain Author www.dollarsforever.com

Identity theft has become one of most frequently reported crimes. But, maybe you are asking yourself: What is identity theft? I am glad you asked.

Identity theft is wrongful use of your name, birth date, social security number as well as financial records and banking information.

An identity thief obtains this information by going through your trash, or by pretending to be a bank officer, or government official, or by creating a false web site that looks similar to your on-line banking web site, your on-line auction web site (ebay, for example), or your on-line shopping web site (yahoo shopping, for instance).

This personal information is used to secure credit cards, bank loans, or to make furniture, and/or electronic goods purchases in YOUR name.

However, when identity theft occurs, you have certain rights under Fair Credit Reporting Act (FCRA). In order to effectively respond to suspected identity theft you should or can:

(1) Place a fraud alert in one of three consumer reporting agencies and that agency will notify other two consumer reporting agencies regarding your fraud alert.

The agencies are :

üEquifax at 1-800-525-6285, or on Internet at www.equifax.com üTransUnion at 1-800-397-3742, or on Internet at www.transunion.com üExperian at 1-800-680-7289, or www.experian.com

(2) Obtain a copy of identity theft report from a federal, state, or local police agency such as FBI, State Department of Justice, or Sheriff’s office. You can find more specific information pertaining to identity theft report at www.consumer.gov/idtheft.

(3) Put an initial theft alert in your consumer report file that will be valid for 90 days.

It's time for "mainstream" to WAKE UP. The alarm clock is ringing, they keep hitting snooze, and in meantime, life they could be living is passing them by.

Day after day, millions of people go through their lives wishing and hoping and dreaming that things could be better, with absolutely no knowledge that it is they themselves that perpetuate their own dissatisfaction.

It is not "gifted few" who create their realities. It's not just for those in metaphysical community. It is all of us. Every single one. However, there are a few who have awakened to this knowledge, and make creating their reality a daily event...manifesting whatever it is they want in their life with seemingly no effort!

Meanwhile rest of world looks on in wonder and disbelief. They assume that these "fortunate few" are among cosmically lucky.

To be honest, whole thing generates some anger in me. The problem is that we are "dumbed down" by society throughout our whole lives under pretense that we are actually being intellectualized. The "scholarly" tell us that metaphysical topics like reality creation are pure fantasy. Science insists on measurable evidence of everything before it will acknowledge such claims as fact.

However, it's really not that difficult to comprehend. Even most skeptical people should be able to grasp a few simple concepts like:

- Everything in Universe is composed of Energy, including you and me. Even our thoughts are Energy.

- Through Energy, everything in Universe is connected.

- The Universe creates without effort, and in abundance. Just look around you. Trees, rocks, air, planets, etc. all were created without stress, effort, or over-analyzation. The Force you choose to believe initiated creative process doesn't matter. They are all there and were created effortlessly.

- You ARE a part of Universe and through power of thought, have same creative power that manifests everything you see. The only thing that limits your potential is your own belief system!