Thanks everyone. Yes, I know about the el-cheapos that use others wireless networks for their Internet use. My sisters kids use their neighbors. They say the neighbor has allowed this.
My nephew also told me all I needed was a password? That he can pull up a list of all the wireless networks available to him in the neighborhood. He can also see if it is password protected? He then picks the one thats not password protected and uses it, as his own. His house is his free Wi-Fi spot.
He also told me he was able to get into one account that was password protect, by guessing the password. He also told me not to worry as someone could only use my connection, not see what I am doing or access any of my accounts? Is this true?

Greg. That shot of you're neighborhood makes me feel somewhat better. My house would be the only one visible in that shot.