Maniet Newsletter

Maniet Newsletter

Equifax Checklist

We’ve been receiving a high volume of calls concerning the Equifax breach and we want you to know that the safety of your personal information is important to us. We compiled a list of precautions and links you can use to protect yourself. Due to the large impact of this data breach, we encourage you to follow the steps below to protect your personal information. Please be aware that because of the high volume of requests at this time, some of the steps below may take longer to process than normal.

  • Check potential impact. Visit the Equifax Security 2017 response center at https:/ and click “Potential Impact” at the bottom of the page to see possible impact. Be aware there are enough bad actors sending emails impersonating Equifax that it’s critical clients do not click on any links, in any email, related to this incident. Instead, clients should visit the Equifax website directly via the link provided above.
  • Enroll in the free credit monitoring. All clients, regardless of potential impact, should enroll in the free credit monitoring provided by Equifax. There are no exceptions.
  • Check your credit reports. The impact is large enough that all clients should check their credit by obtaining a free copy of their credit report from all three reporting bureaus at Others have recommended sites such as Credit Karma that provide this information in a more helpful format, and allow you to get regular updates to your credit information. Due to the high volume of requests, this step may take longer to process than normal.
  • Consider placing a credit freeze at each reporting bureau. Because of the nature of the release, we encourage considering a credit freeze at each of the three reporting bureaus. This is a personal decision for each client, and requires thawing your account each time you apply for new credit. However, it will protect you from identity theft in virtually all other cases. Clark Howard has a helpful guide on the process available here. The trade-off is peace of mind vs. the cost and hassle of dealing with a credit freeze.
  • Closely monitor credit cards and bank accounts for charges you don’t recognize.
  • Understand the risk will continue. Much of the information disclosed is evergreen, and will last beyond the one-year credit monitoring currently being offered. Your options for mitigating this risk are placing a credit freeze, as noted above, or opting to pay for your own monitoring once the free offers expires

Visit to learn more about protecting your personal information.

Maniet Financial Services Sponsors “Scratch, Match, & Win!” Fundraiser for Junior Achievement

Maniet Financial Services will be sponsoring a “Scratch, Match, & Win!” scratch-off card fundraiser for Junior Achievement at Booth 807 on April 19 and 20. Pittsburgh Business Show attendees have the chance to win a grand prize of $25,000, and there may also be five $5,000 winners. To purchase a ticket before coming the Show, text JAPBS to 41444. Participants must be present at the Maniet Financial Services booth to scratch off their ticket.

Enter here:

24-7/365 No 9 to 5 For Entrepreneurs

While I was driving to work at 6:30am to plow snow out of the parking lot of my business, I heard a radio commercial about flipping houses. “This is the business for you,” it said. “Being your own boss is the way to life’s riches and great success.” It made me stop and ponder my career choices. I had never considered flipping houses.

I am the boss of several successful small businesses, but have I found my way to life’s riches and great success? By my second swipe across the parking lot with the snow plow, I was beginning to give more thought to flipping houses.

Being the boss certainly has its perks, but more often than not when something needs done, the buck stops here. Being the boss doesn’t mean you can come to work and go home when you please… sometimes I think you never get to go home. My responsibilities are there 24-7/365.

Growing up, my family had a produce business in the strip district. I went from a weekend/after school and summer employee to the boss because of a family illness. Even back in the days of running my family’s business everyone got to go home but the boss. One early Christmas morning, before the kids awoke to open presents, a customer called wanting me to make a delivery! To say my wife was not happy would be an understatement.

Early in life, I worked at Burger Chef flipping hamburgers, and at Beverly Pharmacy delivering prescriptions and had bosses. I really liked those folks and took orders from them and respected them. But, this old dog has been playing the boss since the days my family asked me to run the business.

For many years, I learned the hard way (old school) by making mistakes, fixing mistakes, and sometimes paying the price or begging forgiveness. There was the right way, the wrong way, and David’s way (most of the time David’s way was the right way because I was the boss, not necessarily because it was correct).

Being the boss bordered on being royalty, because I began to use the collective “we.” “We” would fix a problem as soon as possible. “We” would make the deal work, and “we” would finish projects when everyone went home.

Well, back to flipping houses, I am not a fan of real estate’s terrible T’s (toilets, tenants and trash). I can swing a hammer. I am not afraid of electricity, but I really cannot do plumbing; it makes me swear, and it’s just not a pretty sight. I like people, but will I like them at 3am when something breaks and “we” have to get out of bed and fix it? Who’s the boss, then? There’s also the matter of the trash. Have you ever remodeled a room in your house? The amount of construction debris is unbelievable. You need dumpsters and green bags out the wazoo. “We” would have to order them, fill them, and pay to have them hauled away. Could I handle toilets, tenants and trash 24-7/365?

“Being your own boss is the way to life’s riches and great success.” I thought about that again. As a financial planner, I work for my clients. Technically, they are my bosses. I made another pass with the plow and realized I liked being my own boss even if it meant working for other people. For those of you who decide to try flipping or any other business, I wish you great success, but get ready to be there 24-7/365.

David Maniet owns Maniet Financial Services Network, a full service independent financial advisory firm and several small businesses in the Pittsburgh area. Visit MFSN on the Web at, email or call 412-341-0800 or Toll free 866-4-MANIET to learn more about the products and services offered. MFSN is located in the Murovich Building at 1653 McFarland Road Pittsburgh, PA 15216. Securities and advisory services offered through TRIAD ADVISORS, Inc. Member FINRA & SIPC