WEEKLY Volume 23, Number 31 - August 6, 2010

Dean Sanders
Lawyer

2113 Kell Blvd

Wichita Falls, Texas 76308-1245
940-766-0266

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In This Issue

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Identity Theft Prevention Tips For College
Kids Heading Back To Campus
Getting their dorm room organized, reconnecting with person has little or no credit history of their own.
friends they met last year, making new friends, setting
up a class schedule ... college students have a lot to * Use of online social media - Tech-savvy college kids
look forward to as they head back to campus. Iden- may not realize just how much of their personal in-
tity thieves eagerly anticipate back-to-school time too, formation identity thieves can cull from online social
because it often means networking sites.
more opportunity for
them to purloin some- * Dorm/communal living
one’s private, personal settings - College dorm
information for their fi- rooms and apartments
nancial gain. may be accessed by a
huge number of people ev-
College students may ery month, many of whom
not perceive themselves the student won’t know at
as being at risk from all. It’s difficult to maintain
identity thieves or need- a secure environment in
ing identity theft protec- such a living arrangement.
tion. After all, most of
them don’t have much * Easy access to credit ap-
money (so not much to plications - Anyone who’s
steal) and they’re pretty ever been on campus has
tech savvy about online seen the tables, booths
security. and kiosks set up to fa-
cilitate credit card applica-
Those very qualities, tions by students. Com-
however, leave them pleted applications are
at higher risk of be- rarely secure throughout
ing targeted by identity the day, making it easy for
thieves, who know how identity thieves to get their
to take advantage of col- hands on important identi-
lege kids’ lack of credit fying information.
history and use of online
media. What’s more, * Laissez-faire attitude -
college students who Nearly half of students
feel secure because polled in a survey by Im-
they’re tech savvy may pulse Research said they
not be aware that a lot receive frequent credit
of identity theft still oc- card applications, and 30
curs in traditional ways, like going through someone’s percent of those students throw away those appli-
trash, mail or dorm room to steal identifying informa- cations intact, with all their personal information still
tion. on it and easily accessible, according to the website
Scambusters.org. The survey also showed that nearly
Several factors make college students ideal targets 30 percent of students ignore their checking and cred-
for identity thieves, including: it card balances, the site reports.

* Lack of a credit history - It’s easier to steal some- To prevent identity theft, college students should fol-
one’s identity and establish a credit account if that low some simple steps:

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* Never keep identifying financial information like
PIN or account numbers, or important documents
like Social Security cards and birth certificates un-
secured in dorm rooms or apartments. Don’t carry
anything more in your wallet or purse than you ab-
solutely need, such as your driver’s license, student
ID and one credit or debit card. And never loan any
of these items to anyone else, no matter how good
a friend they seem to be.
* Be wary when ordering clothes, books, movies
and merchandise online and only do business with
sites that have the security lock symbol that shows
they’re taking measures to protect your information.
* Shred credit card offers before throwing them
away and never complete a credit card application
at an on-campus table or booth - even if they’re of-
fering a cool free T-shirt just for applying. Instead,
go through the credit card company’s secure web-
site, or contact your bank for a credit card before
you get to school.
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* Be aware of who’s around you when you’re using
your cell phone or netbook on campus, and never
discuss or send personal information in public that
could be used to steal your identity.
* Establish an identity theft protection account be-
fore you head back to school. Sites like ProtectMy-
ID.com monitor your credit reports daily and send
you an e-mail, text message or mail alert when-
ever something changes on your account, like an
address or an application for a new line of credit.
If your identity is compromised, ProtectMyID’s ex-
perienced fraud resolution agents can help resolve
issues. What’s more, the program protects against
the sale of your Social Security or account numbers
online by using Internet scanning to detect the use
of your personal numbers online.
You can learn more about identity theft and how it
affects college students, as well as how to prevent
it, at www.ed.gov, the U.S. Department of Educa-
tion’s website.
Page 8
 How Safe Is Your Debit Card?
(ARA) - Many people choose to use a debit card over “We want our customers to be 100 percent confident
a credit card or cash because it’s more convenient, that we’re doing everything we can to protect their ac-
but did you know it can also protect you from theft and counts from fraud and theft,” says David Owen, Bank
help you better manage your money? Knowing more of America Payments and Products executive. “Using
about your debit card’s features will help you get the a debit card securely should be hassle-free, and even
most out of your banking relationship. simple things like adding a photo ID to your card can
make a big difference.”
Today, debit cards come with many built-in security
features. Having your You should also know
photo on your card what fees your bank may
makes it harder for oth- charge and how you can
ers to use it if it’s lost avoid them. Some people
or stolen because mer- run into trouble by using
chants can easily iden- their debit card when they
tify that the card belongs do not have enough funds
to you. Fraud monitoring in their account to make a
reviews how and where purchase. This simple mis-
your card is being used take can lead to unexpect-
and helps to block po- ed bank fees that quickly
tential fraud if unusual add up. See if your bank
patterns are detected. offers online banking, bal-
Check to see if your ance alerts, text or mobile
bank offers these fea- banking to help you stay
tures and reimburses in control of your finances
you for purchases you didn’t make. Make sure, espe- on the go. These tools let you transfer funds between
cially if you’re shopping online or traveling, that your accounts, pay bills, and check your balance when-
bank will protect you when you need it most. Bank of ever and wherever you choose. Knowing how much
America reimburses its customers for fraudulent card money is in your account or transferring funds when
transactions. Its debit card protection comes automat- your balance is low will help you avoid unexpected
ically as a feature for all customers. overdraft fees on your debit card.

New regulations are requiring some banks to change

their overdraft fee policies, which could affect how
you manage your finances. Make sure you know how
your bank handles debit card transactions when you
don’t have enough money in your checking account.
No one likes to find out that a $4 cup of coffee cost
$40 because you didn’t realize the purchase would
overdraw your account.

Some banks are taking steps to help. Bank of Amer-

ica has made changes beyond what the regulations
require in order to reduce the possibility that cus-
tomers will overextend themselves with a debit card.
When customers don’t have enough money in their
checking accounts, everyday debit card transactions
like grocery store purchases will be declined so there
will be no unexpected overdraft fees for those trans-
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actions. Beginning this fall, customers may be given
the choice at their ATMs to proceed with the transac-
tion and be charged a fee if they don’t have the funds
available, or not to proceed with the transaction and
avoid the fee.
Consumer advocate Martin Eakes, CEO of the Cen-
ter for Responsible Lending, recently said of Bank of
America’s new overdraft policy, “This is really a big
deal. As the largest debit card issuer in the country,
Bank of America has demonstrated true leadership
in listening to its customers and now has the largest
base of safe and consumer-friendly debit cards.”
Some customers may choose to sign up for overdraft
protection services that link a checking account to an-
other account, such as a savings account or credit
card, to ensure their transactions are not declined.
The bank will automatically transfer available funds
from the linked account to help cover the overdraft for
a small fee.
There’s a lot to consider when it comes to fully un-
derstanding your checking account and its benefits.
Ask your bank about free security features and under-
stand how overdrafts work. Knowing what to expect to
avoid surprises will help you protect your bottom line.
Courtesy of ARAcontent

When life throws you a curve TXU Energy is proud to partner with

we can go to bat for you.

Just when you have the budget worked out so you can
barely squeak by every month, something unexpected
hits you. We know about those times.
That’s why we have a program called TXU Energy Aid. Nobody should have to suffer
SM

without power for fear of an electricity bill they can’t afford. We’re proud to provide
temporary bill payment assistance to thousands of customers in critical situations
each year, right in your community. Since 1983, TXU Energy Aid has provided more
SM

than $61 million in bill payment assistance, helping 365,000 families in need.
Learn more at txu.com.

©2010 TXU Energy Retail Company LLC. All rights reserved. REP #10004
New Hope Church
Please Join Us For Sunday Services

300 Wichita Street, Wichita Falls, Texas 76307

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 Txu Energy Voluntarily Offers Summer
Moratorium On Disconnects
Customer Protections Address Deposit Waivers & Flexible Payments
Today, TXU Energy announced it has again declared Certain customers who are designated as low-in-
a summer moratorium on disconnects for custom- come, ill or disabled, or who are at least 62 years of
ers in need. A flexible payment plan is available for age can avoid disconnection of service due to non-
residential customers designated as low-income, ill or payment by contacting TXU Energy at 1-800-242-
disabled, or who are at least 62 years of age. This is 9113 and enrolling in one of the Summer Moratorium
the fourth consecutive year the company has offered plans described below.
protections to eligible customers.
The 2010 Summer Moratorium Plans
Customers must contact TXU Energy at 1-800-242-
9113 on or after July 1st to notify the company of their * Enhancements for customers qualifying under
needs and to sign up for special, more flexible pay- existing PUC rules
ment plans. These measures will be in effect July TXU Energy will allow customers designated as
1 through September 30, 2010. TXU Energy also low-income, ill or disabled, or who are at least 62
waives deposit requirements for residential custom- years of age and who qualify for a deferred payment
ers who are at least 62 years of age and for all cus- plan under the Public Utility Commission (PUC) cus-
tomers with a good record of timely payment. tomer protection rules to continue to receive electric
service by paying 25 percent of their total outstanding
"At TXU Energy we understand that some custom- balance of electric charges, with the remaining bal-
ers need assistance with their electricity bills, which is ance to be paid in equal installments over the next
why we offer our voluntary summer moratorium and five billing cycles (typically, balances must be paid in
continue to offer several other programs to assist our three billing cycles).
customers in need," said Jim Burke, chief executive * Special payment program for certain customer
officer, TXU Energy. "It's important for customers to groups
call us and sign up for the summer moratorium and A flexible payment plan is also available to custom-
to communicate their special needs so we can assist ers who are designated as low-income, ill or disabled,
them." or who are at least 62 years of age, even if they do not
qualify for a payment plan under the PUC customer
TXU Energy's customer protection measures include: protection rules. Customers who enroll will continue
to receive electric service by paying 50 percent of the
Summer Moratorium on Disconnects total outstanding balance of electric charges, with the
remaining balance to be paid in equal installments
over the next five billing cycles.
* An additional payment program for other customer
groups
Customers designated as either (1) both low-
income and who are at least 62 years of age, or (2)
ill or disabled can avoid disconnection of service due
to non-payment through a special TXU Energy pro-
gram, even if they do not qualify for a payment plan
under the PUC customer protection rules. Qualify-
ing customers who contact TXU Energy before the
due date of their current bill and agree to this program
can continue to receive electric service by paying 50
percent of their electric bill that becomes due in each

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of the months of July, August and September. Begin-
ning with the first electric bill due after September 30,
2010, customers subscribing to this plan will be re-
quired to pay the deferred balance in equal install-
ments over the next five bills in addition to their actual
charges for that month
* Average Monthly Billing is also an option for these
customer groups
Customers who call will have the option to sign
up for TXU Energy's Average Monthly Billing (AMB)
program instead of establishing a payment plan. For
many customers, summer consists of several months
of high usage bills which can be difficult to pay. AMB
spreads electricity costs over 12 months, making a
customer's monthly electric bill more predictable. Dur-
ing the higher usage bills of summer, the amount in
excess of a customer's annual average monthly bill
amount is placed on their account, but it is generally
not due until their usage drops below the average and
the deferred amount is gradually repaid.
Waiver of Deposits
TXU Energy waives deposits for residential custom-
ers who are at least 62 years of age and for any resi-
dential customer with an electric bill payment history
of no more than one late payment during the prior
12-month period. TXU Energy provides additional
deposit waivers as well, including all PUC required
waivers..
Page 15
$250 Million Commitment to Customer Assistance
and Energy Efficiency Initiatives
These customer protections are in addition to a com-
prehensive set of commitments totaling $250 million
through 2012, including:
* $125 Million Commitment to Low-Income Cus-
tomer Discount Program
TXU Energy is investing $125 million through 2012
in a special year-round low-income discount program.
TXU Energy is the only retail electric company in Tex-
as that voluntarily provides an approximate 10 percent
discount for participating low-income customers. This
discount is in addition to the one provided by the State
of Texas' System Benefit Fund -- the state directed
program for low-income assistance on energy bills.
As of April 2010, almost 135,000 TXU Energy cus-
tomers have been enrolled to receive the discount.
The program is available to TXU Energy low-income
customers in all the competitive areas across Texas.
* $25 Million Commitment to TXU Energy AidSM
Program
Working with social service agencies statewide,
TXU Energy administers and helps fund the TXU En-
ergy AidSM program, which benefits any customer
who has an emergency need for bill payment assis-
tance. TXU Energy is providing $25 million through
2012 for TXU Energy AidSM, in addition to any funds
received from customers and employees for this im-
portant program. TXU Energy's program is the larg-
est bill payment assistance program among electricity
companies in the nation.
* $100 Million Commitment to En-
ergy Efficiency and Conservation In-
vestments
Additionally, TXU Energy plans
to spend $100 million through 2012
to help customers reduce the amount
of electricity they use through energy
efficiency and conservation initia-
tives. A portion of this commitment
has been dedicated to the company's
Low-Income Energy Assistance Pro-
gram, which targets single- and multi-
family homes by providing access to
technologies that help customers use
less electricity so they reduce their
overall bills and save money.
For more information on the summer
moratorium visit txu.com/billhelp
Page 16
The Scent Of Success: How Aromatherapy Can Help Your Professional Edge

(ARA) - In an increasingly competitive job market,
many Americans are seeking every edge they can get
to find a job, or keep the one they have. Stimulating
the mind and memory function can help profession-
Aromatherapy works to stimulate memory and the
mind because our sense of smell is the only sense
directly connected to the central nervous system. The
nasal bulb, an area of densely packed neural recep-
tors, sits near the center of our heads and inter-
faces directly with the brain. By contrast, miles of
nerve pathways sit between the ears, eyes and
the brain. Tying visual and auditory experiences
to a distinct aroma can help us process, retain
and recall visual and auditory data more effec-
tively.

The inspiring and memorable aromas of the bo-

tanical world can be recreated using essential
oils. Essential oils are extracted from plants us-
ing steam distillation. They are completely natu-
ral, widely available, and can be great tools for
stimulating mental clarity and the enhancement
of memory.

als feel more alert and “on their game.” Aromatherapy To learn more about Aura Cacia, a purveyor of 100
can be one more weapon in a professional’s business percent pure and natural essential oils and aroma-
arsenal. therapy products in the United States, go to www.au-
racacia.com.

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 HURRY - OFFER ENDS SOON!
401 N. Scott Avenue
Wichita Falls TX 76306
Phone: 940.322.4121
Fax: 940.716.9333

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contract length is 24 months and maximum length is 36 months. Minimum amount financed is $5,000. Fixed APR of 3.99%, 5.99%, 8.99%, or 14.99% will be assigned based on credit approval
criteria. Monthly payments per $1,000 financed based on 36 month term are $29.52 at 3.99%, $30.42 at 5.99%, $31.80 at 8.99%, and $34.66 at 14.99%. **Customer Cash offer good on select
2010 (and prior year) models between 6/1/10-9/30/10. Offer good only in the U.S., excluding the state of Hawaii. Professional riders with advanced skills on closed course. Some models
shown with optional accessories. Dress properly for your ride with a helmet, eye protection, gloves and boots. Do not drink and ride. It is illegal and dangerous. Yamaha and the Motorcycle
Safety Foundation encourage you to ride safely and respect the environment. For further information regarding the MSF course, please call 1-800-446-9227. ATVs with engine sizes over 90cc
are recommended for use only by riders age 16 years and older. Yamaha recommends that all ATV riders take an approved training course. For safety and training information, see your dealer
or call the ATV Safety Institute at 1-800-887-2887. ATVs can be hazardous to operate. For your safety: Always avoid paved surfaces. Never ride on public roads. Always wear a helmet, eye
protection and protective clothing; never carry passengers; never engage in stunt riding; riding and alcohol/drugs don’t mix; avoid excessive speed; and be particularly careful on difficult terrain.
©2010 Yamaha Motor Corp. U.S.A. All rights reserved. yamaha-motor.com