Come home a little earlier than expected: Then hit the re-dial button on all the phones. You may not be the only one surprised by who answers the other end of the phone.

Does your significant other have a cell phone? The same re-dial feature comes in handy here, too.

Cell Phones, Part II: Most of them have a history of the last 10 phone calls dialed. Hmmmm...might be worth reviewing sometime when the other person's in the shower or indisposed.....

Cell Phones/Part III: Does your spouse have one? Why not? Don't you care about their safety? Then get 'em one...then make sure you have the bills [or copies of the bills] sent to you so you can peruse the "calls made" list. Make sure you specify with the cell phone company that you want a bill that includes a detail of all incoming/outgoing calls.

Also worth noting when you get a look at the phone bill? Check to see who receives the first call they make (when they leave for the day), and the last call they make before arriving home.

Does your spouse/significant other travel? After they leave their hotel, call the front desk/business office/cashier a few hours later, and tell them you're the assistant for [name of target] and that they either didn't get/don't have/lost their bill/receipt [pick one]. "Could you please fax a copy to our office? Here's our fax number..." They'll never be suspicious you'll have a chance to inspect the charges incurred. You might be surprised at the amount of information on a hotel bill [especially if the target has an expense account]: Room service, in-room movies, mini-bar and [drum roll, please] a detail of the phone numbers called. (Have fun...!)

Hmmmmm, new underwear? Scents and style are always two big warning flags that something's going on. She's wearing new perfume? He's wearing new after shave? New boxers [if they wore briefs]? New briefs [if they wore boxers]? New thigh-highs? Garters? Underwear? Lacy bras? Bustiers? New romance almost always triggers new purchases in these areas. Believe it.

• The Quick Click: Frantic mouse clicking when you enter the room
• The strong desire for privacy when they're on-Line
• Purchase of a phone calling card
• Signing up to multiple web-based email services
• They start exercising and become more concerned about their looks
• Callers hang-up when you answer the phone
• They suddenly want a digital camera or scanner
• Show a lack of attention/affection towards you
• Their computer seems to become more important than the family/your relationship
• They becomes secretive with their cell phone calls
• Check out their cell phone bills and look for long incoming calls at odd hours
• He acquires a prescription for Viagra/Levitra/etc.
• They acquire a pager/become secretive about their messages
• Unexplained payments start showing up on bank statements
• Gas credit cards may contain uncommon locations of gas stations
• They suddenly beg to do their own laundry
• They become "unavailable" at work "with clients" 
• They subtly start asking about your schedule more often than usual
• Mileage on their car is higher (or lower) than it should be
• Clothes smell unusual or have stains

Is your spouse spending a bunch of time on-line?  Oh sure, I know.  "Research" or some other lame excuse.  There's a good chance they're engaging in activities that (experts agree) lead to extramarital affairs.  Too many stories and too much evidence in this cyber-area folks.  Click here and see if any of these "Cyber Infidelity" warning signs ring any bells.

You might not realize just who you're protecting yourself from!  We're painfully aware of the threat from the bad guys out to steal our identities, but here's another huge area credit monitoring that most people overlook: Spouses and ex-spouses.

Here's a huge benefit of credit monitoring that most people overlook: Every time your wife or husband opens a new credit card account or requests a credit line increase, you'll be instantly notified!  This type of information is invaluable to innocent spouses being rudely jolted into the spending reality that's been going on behind their backs.  If you think your spouse might be less-than-faithful or even planning to divorce you in the near future, credit report activity is always one of the earliest signs that's ignored or not even recognized by soon-to-be-ex-spouses (or their attorneys). Cut 'em off at the knees and start monitoring your credit reports immediately!!!

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