We were on our way home from Cadillac, MI, after a fun and relaxing skiing weekend. Our old van was loaded with skiing gear, two medium size suitcases, stuff for our dog, a cooler, some food. Since we only had a quarter tank of gas left, I decided to get off the highway and fill up. As I drove down the ramp the engine revved up all by itself, and then I lost all power – a very familiar feeling which I remembered from a few years ago with our Taurus.

I slowly rolled to the side of the road. Try turning it off and back on again, try reverse, now try drive, what about 1, or 2 – nothing. That’s bad. Now what? While we were sitting there, searching for the closest towing service on the smartphone, a Sheriff pulls up from behind and asks if we needed help. The Sheriff called a tow truck for us, which took only about 15 minutes to arrive. Phil’s County Line Service is just a mile away, in Reed City, MI.

Another 45 minutes later we had a rental car driver from Enterprise in Big Rapids, MI, come pick us up. Most of our stuff fit in the trunk of that Hyundai Sonata. Except for our skis and the cooler. The drive home was a bit tricky because of the weather. Lake effect snow falling, then blowing and drifting across icy roads. We drove past three trucks that had rolled over into the ditch, and two cars had slid off the highway – probably because of somebody being in a big hurry to get somewhere.

It looks like there will be another trip to Reed City, MI – to pick up the van (if they fixed it) or try to sell it for parts (if it isn’t worth fixing).

Last Wednesday it became known that all personal information of roughly 12% of the entire population of the USA had been stolen by some Chinese hackers, because one big, powerful, rich insurance company carelessly neglected to encrypt and protect their database. 

The insurance company said they will notify all affected customers, and offer them free credit repair and identity protection services – but it will take weeks, or months, before this happens; and then the “protection” will likely only be offered for one year. 

If you are one of the victims, or even if you got lucky this time, you are not completely helpless, though. There is one powerful tool available to you to protect your credit: place a security freeze on your consumer credit report. You have to do that with all three credit reporting agencies – Equifax, Experian, and Transunion. It is free in many States, and costs $5 to $10 in some other States.

After that, you have the peace of mind that nobody can abuse your personal information to obtain credit without your knowledge. The freeze will slow you down a little bit, in case you want to get new credit in the future, because you would have to “thaw” your account temporarily, or for a specific lender, but for me that is well worth it!