Jokes : Job's Form

A girl applied for a job, and was sent to the personnel department, presided over by a large, rather handsome man at a big desk. She was given a form to fill out, and retired to a table in a corner of the room with it. Most of the blanks she filled out with no great difficulty, but presently he noticed that she seemed to be having trouble in deciding how to answer one question.

She looked him over furtively, chewed the pen, then wrote a word or two and brought over the card.

He looked it over casually-name, age, address, telephone number; then came a space which said; "Sex.." Here she had written "Occasionally".
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Jokes : Undercover

Two partners in the garment center were quite successful, when suddenly, out of a clear sky, ruin fell on them. One of them ran about the place,
tearing the hair out of his head by the handful. The other seemed to be more calm about it. He strutted up and down, his hands in pockets.

"Bum!" yelled the first. "Joe! Look how you enjoy this trouble. I'am going around tearing the hair from my head and you walk around like a sport.
"Never mind," said the other partner. I'am tearing my hair out too. But nobody sees me.
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Housing: Renting/Leasing

A lease is an agreement that outlines the obligations of the owner and the tenants of a house or apartment. It is a legally binding document that courts will generally uphold in legal proceedings, so it is important for you to know the exact terms of the lease agreement before you sign it. The lease should state every agreement that you believe exists between you and the landlord. Some things to look for in a lease:
***Clauses that allow the landlord to change the terms of the lease after it is signed

***Requirements/responsibilities of the tenants to do routine repairs such as lawn maintenance, cleaning or notification of repairs

***Restrictions that would prevent you from living normally or comfortably in the home

***Term of the lease and any important dates such as when the rent is due, or garbage pick up days

Anything that is not clearly understood or agreeable should be changed or removed. All landlord responsibilities should be clearly stated. Always get a copy of the signed lease to keep in your records. Any clause or terms in the agreement affects ALL parties who sign.
Tenants who lease or rent property are protected against discrimination by The Fair Housing Act. If you think your rights have been violated, you may write a letter or telephone the HUD office nearest you. You have one year after the alleged violation to file a complaint with HUD, but you should file as soon as possible.
Each state has its own tenant rights, laws and protections. For a state-by-state directory, visit www.hud.gov/local. You can also find public housing that is available at http://www.hud.gov/. The agency offers several housing assistance programs for tenants and landlords.
Tips for Renters
***The best way to win over a prospective landlord is to be prepared by bringing with you a completed rental application; written references from previous landlords, employers, friends and colleagues; and a current copy of your credit report.

***Carefully review all the important conditions of the lease before you sign.

***To avoid disputes or misunderstandings with your landlord, get everything in writing.

***Ask about your privacy rights before you sign the lease.

***Know your rights to live in a habitable rental unit-and don't give them up.

***Keep communication open with your landlord.

***Ask about your privacy rights before you sign the lease.

***Purchase renter's insurance to cover your valuables.

***Make sure the security deposit refund procedures are spelled out in your lease or rental agreement.

***Learn whether your building and neighborhood are safe, and what you can expect your landlord to do about it if they aren't.

***Know when to fight an eviction notice and when to move. Unless you have the law and provable facts on your side, fighting an eviction notice is usually shortsighted.
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Housing: Home Improvements and Repair

Home improvements and repairs can cost thousands of dollars and are the subject of frequent complaints.

When selecting a contractor:
***Get recommendations and references. Talk to friends, family and others who have used the contractor for similar work.

***Get at least three written estimates. Insist the contractors come to your home to evaluate what needs to be done. Be sure the estimates are based on the same work so that you can make meaningful comparisons.

***Check contractor complaint records. Your state or local consumer protection agency or Better Business Bureau can provide this information.

***Make sure the contractor meets licensing and registration requirements. Your state or local consumer protection agency can help you find out what these requirements are.

***Get the names of suppliers and ask if the contractor makes timely payments.

***Contact your local building inspection department to check for permit and inspection requirements. Be wary if the contractor asks you to get the permit—it could mean the firm is not licensed.

***Be sure your contractor is insured. They should have personal liability, property damage and worker’s compensation insurance for workers and subcontractors. Also check with your insurance company to find out if you are covered for any injury or damage that might occur.

***Insist on a written contract that states exactly what work will be done, the quality of materials that will be used, warranties, timetables, the names of any subcontractors, the total price of the job, and the schedule of payments.

***Try to limit your down payment. Some states have laws limiting the amount of down payment required.

***Understand your payment options. Compare the cost of getting your own loan versus contractor financing.

***Don’t make a final payment or sign a final release until you are satisfied with the work and know that subcontractors and suppliers have been paid. Some state laws allow unpaid subcontractors and suppliers to put a lien on your home for bills the contractor failed to pay.

***Pay by credit card when you can. You may have the right to withhold payment to the credit card company until problems are corrected.

Be especially cautious if the contractor:
***comes door-to-door or seeks you out;

***just happens to have material left over from a recent job;

***tells you the job will be a “demonstration;”

***offers you discounts for finding other customers;

***quotes a price that’s out of line with other estimates;

***pressures you for an immediate decision;

***offers an unusually long guarantee;

***can only be reached by leaving messages with an answering service;

***drives an unmarked van; • has out-of state license plates; or

***asks you to pay for the entire job up front.

With most home improvements, federal law gives you three business days to cancel without penalty. Of course you would be liable for any benefit already received. State laws may also provide some protection. See Your Rights: 3-Day Cooling-Off Rule. And remember—if you finance home improvements with a home equity loan and don’t make your payments, you could lose your home. See Home Equity Loans.
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Housing: Avoiding Foreclosure

If you miss your mortgage payments, foreclosure may occur. This is the legal means your lender can use to repossess your home. If you owe more than your property is worth, a deficiency judgment is pursued. Both foreclosures and deficiency judgments have a negative impact on your future credit. You should avoid foreclosure if at all possible.
Three steps can help:
1.Do not ignore the letters from your lender. If you're having problems making your payments, call or write to your lender's Loss Mitigation Department without delay. Explain your situation. Be prepared to provide them with financial information, such as your monthly income and expenses. Without this information, they may not be able to help.
2.Stay in your home for now. You may not qualify for assistance if you abandon your property.
3.Contact a HUD-approved housing counseling agency. Call 1-800-569-4287 or TDD 1-800-877-8339 for the housing counseling agency nearest you. These agencies are valuable resources. They frequently have information on services and programs offered by government agencies as well as private and community organizations that could help you. The housing counseling agency may also offer credit counseling. These services are usually free of charge.
For more information, resources are available at the following agencies:
***The U.S. Department of Housing and Urban Development
***The Federal Trade Commission
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Housing: Refinancing and Reverse Mortgages

Mortgage Refinancing
Consider refinancing your mortgage if you can get a rate that is at least one percentage point lower than your existing mortgage rate and if you plan to keep the new mortgage for several years. When comparing mortgages, don't forget to include the extra fees you must pay for the new mortgage. You may be able to get some fees waived if you are able to refinance with your current mortgage holder.
Reverse Mortgages
A reverse mortgage is a home loan that you don't have to pay back for as long as you live in your home. The loan and interest is repaid only when you die, sell your home or permanently move away. Only homeowners who are at least 62 years old are eligible. These mortgages can help homeowners who are house-rich, but cash-poor stay in their homes and meet their financial needs.
There are three types of Reverse Mortgages: federally insured reverse mortgages, proprietary reverse mortgages and single-purpose reverse mortgages. As with any mortgage it is important to be a savvy consumer and shop for the best deal.
Check the directory for the following resources that provide comprehensive and reliable information:
***The Federal Trade Commission
***The Department of Housing and Human Development
***AARP
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Housing: Shopping for a Mortgage

Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage, whether it's a home purchase, a refinancing, or a home equity loan, is a product, just like a car, so the price and terms may be negotiable. You'll want to compare all the costs involved in obtaining a mortgage.
Shopping, comparing, and negotiating may save you thousands of dollars.
Mortgage financing options are much more diverse than many borrowers think. There is a wide variety of mortgage products available including: fixed rate conventional mortgages, adjustable rate mortgages (ARM), FHA loans, VA loans, interest-only mortgages, jumbo mortgages, two-step mortgages, balloon mortgages, assumable mortgages, construction mortgages, no down payment mortgages and seller financing.
When shopping for a home mortgage:
***Research current interest rates. Check the real estate section of your local newspaper, use the Internet, or call at least six lenders for information.
***Check the rates for 30-year, 20-year and 15-year mortgages. You can save thousands of dollars in interest charges by getting the shortest-term mortgage you can afford.
***Ask for details on the same loan amount, loan term, and type of loan from multiple lenders so that you can compare the information. Be sure to get the Annual Percentage Rate (APR), which takes into account not only the interest rate but also points, broker fees, and other credit charges expressed as a yearly rate.
***Ask whether the rate is fixed or adjustable. The interest rate on adjustable rate mortgage loans (ARMs) can vary a great deal over the lifetime of the mortgage. An increase of several percentage points might raise payments by hundreds of dollars per month.
***If a loan has an adjustable rate, ask when and how the rate and loan payment could change.
***Find out how much down payment is required. Some lenders require 20 percent of the home's purchase price as a down payment. But many lenders now offer loans that require less. In these cases, you may be required to purchase private mortgage insurance (PMI) to protect the lender if you fall behind on payments.
***If PMI is required, ask what the total cost of the insurance will be. How much will the monthly mortgage payment be when the PMI premium is added and how long you will be required to carry PMI?
***Ask if you can pay off the loan early and if there is a penalty for doing so.
In addition, there is a long list of sources for mortgages loans: mortgage banks, mortgage brokers, banks, thrifts and credit unions, home builders, real estate agencies and Internet lenders.
Tips for working with lenders:
***Get recommendations: Ask friends and family members for suggestions, especially if they've recently obtained a loan.
***Check credentials: Mortgage bankers are regulated by either your state's department of banking or division of real estate. Check with the appropriate regulator to see if a lender is in good professional standing. Mortgage brokers may be state regulated or not. If not, check with the local chapter of the National Association of Mortgage Brokers or the Better Business Bureau to see if their record is clean.
***Do your homework: Learn about typical mortgages and ask questions when something looks amiss; a broker may be trying to pad closing costs or other fees at your expense.
***Take care online: There are plenty of attractive deals online, but first make sure you're dealing with a reliable broker or lender.
The Real Estate Settlement Procedures Act (RESPA) requires lenders to give you information on all closing costs and escrow account practices. Any business relationships between the lender and closing service providers or other parties to the transaction must also be disclosed. Many of the fees are negotiable. More information is available from the Federal Trade Commission, the Federal Reserve Board, and the Department of Housing and Urban Development.
Beware: Double Dipping
If you're working with a broker, the National Consumer Law Center recommends you demand to know how much the broker is making from the lender as well as from any fees you might be paying. It's best to get this information upfront and in writing. Avoid a broker who is double-dipping-getting a fat premium from the lender, as well as fees from you.
For more information on home buying and mortgages, visit Fannie Mae's web site at http://www.fanniemae.com/ or call 202-752-7000. The Mortgage Bankers Association also offers this website to help consumers when buying a home, http://www.homeloanlearningcenter.com/.
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Housing: Buying a Home

The U.S. Department of Housing and Urban Development funds housing counseling agencies throughout the country. These organizations can give you advice on buying a home, renting, defaults, foreclosures, credit issues and reverse mortgages.
To contact the agency nearest you, call 1-800-569-4287 or visit http://www.hud.gov/. Homeowners with problems that could result in default of their mortgage or foreclosure on their property are encouraged to contact a HUD-approved housing counseling agency immediately.
If, in your housing search, you believe you are being discriminated against on the basis of your race, color, nationality, religion, sex, familial status, or disability, contact HUD's Office of Fair Housing.
Buying a home is one of the most complex financial decisions you'll ever make.
***Real estate agents represent the seller not the buyer. Consider hiring an agent who works for you, not the seller.
***Get prices on other homes. Knowing the price of other homes in a neighborhood will help you avoid paying too much.
***Have the property inspected. Use a licensed home inspector to carefully inspect the property before agreeing to buy it.
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Cars: Auto Repair

Cars - Auto Repair
Whenever you take a vehicle to the shop:
***Choose a reliable repair shop. Family, friends or an independent consumer rating organization should be able to help you. Look for shops that display various certifications that are current. You should also check out the shop's record with your local consumer protection office or Better Business Bureau.
***Describe the symptoms. Don't try to diagnose the problem.
***Make it clear that work cannot begin until you have a written estimate and you give your okay. . Never sign a blank repair order. If the problem can't be diagnosed on the spot, insist that the shop contact you for authorization once the trouble has been found.
***Ask the shop to keep the old parts for you.
***If a repair is covered under warranty, follow the warranty instructions..
***Get all repair warranties in writing..
***Keep copies of all paperwork.. Some states, cities and counties have special laws that deal with auto repairs.
For information on the laws in your state, contact your local consumer protection office. In addition, the FTC provides a complete consumer guide to auto repair.
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Shopping From Home: 3-Day Cooling Off Rule

Shopping From Home - 3-Day Cooling Off Rule
When you buy something at a store and later change your mind, your ability to return the merchandise depends upon store policy. If you buy an item in your home you might have three days to cancel.
This Cooling-Off Rule also applies to purchases of $25 or more at your workplace and places rented by a seller on a temporary basis, such as hotel or motel rooms, convention centers, fairgrounds and restaurants. Enforced by the Federal Trade Commission, the Cooling-Off Rule requires sellers to tell you that you have three business days after the sale to change your mind. At the time of the sale, the seller must give you two dated copies of a cancellation form (one to keep and one to send) and a copy of your contract or a receipt showing the salesperson's name and address and explaining your right to cancel. The contract or receipt must be in the same language that's used in the sales presentation.
To cancel a purchase, sign and date one of the cancellation notices and send it by certified mail postmarked before midnight of the third business day following the sale. Saturday is considered a business day, but Sunday and legally recognized holidays are not. Keep the other notice of cancellation for your records. If you were not provided with this form at the time of the sale, your three-day period doesn't start until you receive it from the seller. You can also write your own letter to cancel the order.
Once you have canceled, you must be given a refund within 10 days. The seller must notify you of the date for product pick up, and return of any trade-ins you gave as a down payment. Within 20 days, the seller must either pick up the items, or reimburse you for mailing expenses.
Be aware that there are situations in which the Cooling-Off Rule does not apply:
***You made the purchase entirely by mail or telephone.
***The sale was the result of prior contact you had at the seller's permanent business location.
***You signed a document waiving your right to cancel.
***Your purchase is not primarily for personal, family or household use.
***You were buying real estate, insurance, securities, or a motor vehicle.
***You can't return the item in a condition similar to how it was when you got it.
***You bought arts or crafts at a fair, shopping mall, civic center, or school.
Remember that if you paid by credit card and are having difficulty getting your refund, you may also be able to dispute the charge with your credit card company under the Fair Credit Billing Act.
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Shopping From Home: Your Rights

Shopping From Home - Your Rights
When you order something by mail, phone, fax or computer, the Federal Trade Commission requires the company to:
***Ship the merchandise within the time promised, or if no specific delivery time was stated, within 30 days of receiving your order
***Notify you if the shipment cannot be made on time and give you the choice of waiting longer or getting a refund.
***Cancel your order and return your payment if the new shipping date cannot be met, unless you agree to another delay If you cancel, your money must be refunded within 7 days (or your account must be credited within one billing cycle if you charged the order). The company can't substitute a store credit. If you applied for a charge account with the merchant at the same time that you placed your order, the company has an extra 20 days to ship the merchandise to allow time for processing your application.
These FTC rules only apply to the first shipment of magazine subscriptions or other merchandise that you receive repeatedly. Orders for services (for example, photo finishing), sale of seeds and growing plants, collect-on-delivery (C.O.D.) orders, and transactions such as books and music clubs are covered by a different FTC rule. There could also be laws or regulations in your state that apply. Report suspected violations to your state or local consumer protection agency and to the FTC.
Beware: Youth Peddling
Some for-profit companies use young salespersons to sell magazines and other items door-to-door. They trick consumers into believing they are collecting money for legitimate charities because consumers tend to support young persons and youth programs.
If a young person solicits you, ask for identification verifying the organization's name, address and purpose. If the representative can't provide this information, ask him or her to leave. Report suspicious people to your local police department and/or contact the child labor division of your state labor department listed in the phone book.
Even if you are satisfied with the information provided, don't feel pressured to make a purchase or contribute.
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Banking: Resolving Problems

Banking - Resolving Problems
Beware: Fake Check Scams Fake checks, including cashiers checks, can look so real even bank tellers can be fooled. However, just because you can withdraw the money, doesn't mean the check is good. Forgeries can take weeks to discover.
YOU are responsible for the checks you deposit. If a check bounces, you owe the bank any money you withdrew. If someone wants to send you a check, insist on a cashier's check for the exact amount, preferably from a local bank or one with a branch in your area. Never accept a check and then agree to send a portion of the money back to the sender. For information or to report a scam, visit http://www.fakecheck.org/ or call toll-free 1-800-876-7060.
Unsolicited Checks And Credit Offers If you cash an unsolicited check you've received in the mail, you could be agreeing to pay for products or services you don't want or need, such as Internet access or membership in a web directory. In addition, those "guarantees" for credit cards or loans, regardless of credit history, are probably a scam. Legitimate lenders never guarantee credit. For information on how to identify fraudulent solicitations, visit http://www.ftc.gov/.
If You Have a Banking Problem A number of federal, state and local agencies regulate financial institutions.
***State chartered banks and trust companies that are members of the Federal Reserve System are covered by the Federal Reserve System.
***State chartered banks that are NOT members of the Federal Reserve System are regulated by the Federal Deposit Insurance Corporation.
***State chartered banks are also regulated by state banking authorities.
***Banks with National in the name or N.A. after the name are regulated by the Comptroller of Currency, U.S. Department of the Treasury.
***Federal savings and loans and federal savings banks are regulated by the Office of Thrift Supervision, Department of the Treasury.
***Federally chartered credit unions are regulated by the National Credit Union Administration
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Credit: Credit Billing Disputes

Credit- Credit Billing Disputes
If you find an error on a credit card or charge account bill, you have the right to dispute the problem under the Fair Credit Billing Act. The law defines billing errors as: incorrect credits for payments, charges that you didn't make, and charges for goods or services that you did not receive or that were not as promised.
Write to the creditor within 60 days of the postmark of the first bill with the disputed charge. If more than 60 days have passed but you just recently found the problem, you may still be able to dispute the charge.
***Send a letter to the address provided on the bill. Do not send the letter with your payment.
***Be specific. In your letter, give your name and account number, the date and amount of the charge disputed, and a complete explanation of why you are disputing the charge.
***Send your letter by certified mail, with a return receipt requested, if you want to make sure it is received.
If you follow these requirements, the creditor or card issuer must acknowledge your letter in writing within 30 days of receiving it and conduct an investigation within 90 days.
While the bill is being investigated, you do not have to pay the amount in dispute. The creditor cannot try to collect this disputed amount, nor can the creditor report the amount as late or close or restrict your account.
***If there was an error, the creditor must credit your account and remove any related finance charges or late fees. For any amount still owed, you have the right to an explanation and copies of documents proving you owe the money.
***If the bill is correct, you must be told in writing what you owe and why. You will owe the amount disputed plus any finance charges.
What if you don't agree with the creditor's decision? You can file an appeal with the Office of the Comptroller of the Currency at
www.occ.treas.gov/customer.htm.
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Internet: Safer Computing and Social Networks

Internet - Safer Computing and Social Networks
Thanks to the Internet, you can order books, clothes, or appliances online; reserve a hotel room across the ocean; download music and games; check your bank balance 24 hours a day; or access your workplace from thousands of miles away. The flip-side, however, is that the Internet, and the anonymity it affords, can give online scammers, hackers, and identity thieves access to your computer, personal information, finances, and more. But with awareness as your safety net, you can minimize the chance of an Internet mishap.
To be safer and more secure online, adopt these seven practices:
***Protect your personal information. It's valuable.
***Know whom you're dealing with.
***Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly.
***Make sure your operating system and web browser are set up properly and update them regularly.
***Protect your passwords.
***Back up important files.
***Learn who to contact if something goes wrong online.
The FTC offers a publication online called Stop, Think, Click with specifics on safer computing; to order, visit http://www.onguardonline.gov/.
To keep up to date with information about the latest computer threats, sign up for alerts from the Department of Homeland Security at http://www.us-cert.gov/.
***OnGuardOnline.gov, managed by the FTC, OnGuardOnline.gov provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information.
Here are some other sources on protecting yourself and your family while using the Internet.
***GetNetWise (http://www.getnetwise.or/) is a public service sponsored by Internet industry corporations and public interest organizations to help ensure that Internet users have safe, constructive, and educational or entertaining online experiences.
***Internet Keep Safe Coalition (http://www.ikeepsafe.org/), the home of Faux Paw the Techno Cat, a coalition of 49 governors/first spouses, law enforcement, the American Medical Association, the American Academy of Pediatrics, and other associations dedicated to helping parents, educators, and caregivers by providing tools and guidelines to teach children the safe and healthy use of technology.
***National Cyber Security Alliance (http://www.staysafeonline.org/) is a nonprofit organization that provides tools and resources to empower home users, small businesses, and schools, colleges, and universities to stay safe online.
***staysafe (http://www.staysafe.org/) is an educational site intended to help consumers understand the positive aspects of the Internet as well as how to manage a variety of safety and security issues that exist online.
***Wired Safety (http://www.wiredsafety.org/) is an Internet safety and help group comprised of unpaid volunteers around the world that provides education, assistance, and awareness on all aspects of cyber crime and abuse, privacy, security, and responsible technology use. Wired Safety is the parent group of Teenangels.org, FBI-trained teens and preteens who promote Internet safety. Social Networking Online
Social networking sites such as Xanga and MySpace are the hippest new "meet markets," especially among tween, teens and 20-somethings. While these sites can increase a person's circle of friends, they also increase exposure to people with less-than-friendly intentions, including sexual predators. Visit onguardonline.gov to learn how to help your kids socialize safely online.
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Internet: Online File Sharing

Internet - Online File Sharing
Peer-to-peer (P2P) file sharing allows users to share files online through an informal network of computers running the same software. Every day, millions of computer users share files online.
Whether it is music, games, or software, file sharing can give people access to a wealth of information. Users download special software that connects their computers to an informal network of other computers running the same software. Millions of users could be connected to each other through this software at one time. The software is often free and easy to access.
However, file sharing can have a number of risks. For example, when you are connected to file-sharing programs, you could unknowingly allow others to copy private files you never intended to share. You could download material that is protected by copyright laws and find yourself mired in legal issues. You could download a virus or facilitate a security breach. Or you could unwittingly download pornography labeled as something else.
To secure the personal information stored on your computer, the FTC suggests that you:
***Set up the file-sharing software very carefully.
***Be aware of spyware.
***Close your connection when you're not using it.
***Use an effective anti-virus program and update it regularly.
***Talk with your family about file sharing.
For more complete information on P2P, visit http://www.onguardonline.gov/.
Online Copyright Issues
Quite simply, to make or download unauthorized copies of software is to break the law, no matter how many copies are involved. Whether you are casually making a few copies for friends, loaning disks, distributing and/or downloading pirated software via the Internet, or buying a single software program and then installing it on 100 computers, you are committing a copyright infringement. It doesn't matter if you make money or not. If you or your company is caught copying software, you may be held liable under both civil and criminal law.
If the copyright owner brings a civil action against you, the owner can stop you from using its software immediately and can also request monetary damages. The copyright owner can sue for as much as $150,000 for each program copied. In addition, the government can criminally prosecute you for copyright infringement. If convicted, you can be fined up to $250,000, be sentenced to jail for up to five years, or both.
For more information visit http://www.cybercrime.gov/, a site sponsored by the U.S. Department of Justice or http://www.bsa.org/, a site on online piracy issues managed by the Business Software Alliance.
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Internet: Online Auctions and Sellers

Internet-Online Auctions and Sellers
Many private sellers sell items on the Internet through auctions, classified ads, newsgroups, and chat rooms. Unfortunately, these types of sales are a very common type of Internet fraud.
Resolving disputes can be difficult when the seller is in a different part of the country.
Be aware that government agencies may not be able to help you since many laws don't apply to sales between individuals. Follow this advice as well as the general tips on shopping from home.
Know your seller. If you don't, do some research.
***Check with state and/or local consumer offices.
***Company websites often provide information in a section called "About Us." Some online sellers participate in programs such as BBBOnLine that help resolve problems. Look for a logo or endorsement seal on the company website. This is an indication, but not a guarantee, of the seller's reliability.
***Another way to check online sellers is to look for other consumers' comments. Visit http://www.bizrate.com/ where consumers rate online stores. Some Internet auction sites post ratings of sellers based on comments by buyers. This information may give you some idea of how you'll be treated, but beware of too many glowing stories that might have been placed by sellers themselves.
Protect your personal information. Use a secure website to help protect your credit card from misuse.
***Never send your credit card number by e-mail because e-mails are not secure. If you are not comfortable providing your credit card number online, ask whether you can call or fax it.
***Check how the auction works. Can you cancel a bid? Don't assume that the rules used by one auction site apply to another. Some sites offer step-by-step instructions that will take you through the bidding process.
***Find out what protections you have. Does the site provide free insurance or guarantees for items that are not delivered or not as described?
***Follow the strategies used in any auction. Learn the value of the item you are bidding on. Establish your top price and stick to it.
***Don't bid on an item you don't intend to buy. If you're the highest bidder, you have bought it. Auction companies often bar those who back out of a deal from future bidding.
***If the seller can't accept payment by credit card, use an escrow service. Your money is held by a third-party until you get your purchase and approve release of your payment to the seller. There is a small fee, but the peace of mind is worth it. Auction company eBay recommends Escrow.com, which is backed by Fidelity National Financial Corporation.
***Be wary of sellers who insist you use a specific escrow service, especially if you have never heard of that particular service before. Check out the escrow service just like you check out sellers of other services. If a company's website has grammar and other simple mistakes, be wary. You might not be dealing with a legitimate company.
For more information about shopping online, visit http://www.ftc.gov/bcp/conline/pubs/online/payments.htm and http://www.safeshopping.org/.
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Buying Tips: Quick Consumer Tips

Buying Tips - Quick Consumer Tips

Quick Consumer Tips
As a savvy consumer, you should always be on the alert for shady deals and scams. To protect your money and avoid being a victim of fraud, keep these things in mind:

***A deal that sounds too good to be true usually is! Offers that often fall into this category are promises to fix your credit problems, low-interest credit cards, deals that let you skip credit card payments, business/job opportunities, risk-free investments, and free travel.

***Extended warranties and service contracts are rarely worth what you pay for them.

***Say no to credit insurance offers. Often offered with credit cards, car loans and home mortgages, it is almost always better to purchase regular property, life or disability insurance.

***There is no universal three-day cooling-off period. Don't be misled into thinking that you have an automatic three days to cancel a purchase. Only a few types of contracts give you a right to cancel.

***Think twice before sharing personal information.

***Beware of payday and tax refund loans. Interest rates on these loans are usually excessive. Even a high-interest cash advance on a credit card could be a better option.

***Not all plastic cards offer the same protections. Your liability for the unauthorized use of a gift card and debit/ATM card may be much higher than the $50 maximum on your credit card.

***Real estate agents represent the seller – not the buyer. When buying, consider hiring an agent or lawyer who represents you.

***Home improvement and auto repairs are the subject of frequent complaints Second opinions are especially important when you are dealing with a repair service you do not know.

***Think twice before you rent-to-own. Interest rates on rent-to-own purchases can be very high. If you miss a payment, you could end up with nothing. Consider other options such as buying second-hand at a thrift shop or through ads in your local newspaper.

***Don't buy under stress. Research suggests senior citizens, people in crisis (e.g., coping with a death or debt), college students, small business owners, minorities, and immigrants are especially at risk of being victimized. Avoid making big-ticket purchases during times of duress. ***Be cautious of Buy Here, Pay Here lots. If you decide to buy a car from a used car lot, be sure to read all of the papers before you sign. Don't sign contracts that allow the dealership to change the finance rate AFTER you leave the lot.

***Work-at-home ads usually don't pay off. Be especially wary of ads that promise huge annual salaries; they often require expensive upfront fees with no guarantee. You risk losing your money and wasting a lot of time and energy.

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Travel: Travel Safety

Travel -Travel Safety
Several federal agencies offer advice and information on the Internet that can help insure you have a safe trip.
***The U.S. Department of Transportation at http://www.dot.gov/ offers airline, highway and rail safety information. For example, you can look up crash-safety reports on cars or find out how weather is affecting air travel and road conditions.
***The Transportation Security Administration at http://www.tsa.gov/ has advice on safe travel by air, land and sea. For example, they post tips on dealing with airline security checks, traveling with kids, and warnings on prohibited items. Click on Travelers and Consumers.
***The U.S. Department of State at www.state.gov/travel provides information on what to do before, during, and when you return from a trip overseas. You can also get warnings on locations to avoid and what to do in an overseas emergency.
***The Centers for Disease Control and Prevention at www.cdc.gov/travel offers health-related travel information. You can research vaccination requirements, find information on how to avoid illnesses caused by food and water, and review inspection scores on specific cruise ships.
Pack Smart For A Safe Flight
As you're getting ready and packing for your airline trip, it's important to pack smart. Many common items that we use every day at home can become very dangerous when transported by air. In flight, variations in temperatures and pressures can cause items to leak, emit toxic fumes, or start a fire. If in doubt, don't pack it. To find a list of prohibited items, go to http://www.tsa.gov/ or call 1-866-289-9673.
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Travel: Delayed, Damaged, or Lost Bags

Travel -Delayed, Damaged, or Lost Bags
Delayed or Damaged Bags
If your bags aren't on the conveyor belt when you arrive, file a report with the airline before you leave the airport.
***Insist that they fill out a form and give you a copy, even if they say the bag will be on the next flight.

***Get the name of the person who filled out the form and a phone number for follow up.
***Confirm that the airline will deliver the bag to you without charge when it's found. Some airlines will give you money to purchase a few necessities. If they don't provide you with cash, ask what types of articles would be reimbursable, and keep all receipts.
If a suitcase arrives damaged, the airline will usually pay for repairs. If an item can't be fixed, they will negotiate to pay you its depreciated value. The same is true for belongings packed inside. Of course, airlines may refuse to pay for damage if it was caused by your failure to pack something properly rather than the airline's handling.
Lost Bags
If your bag is declared officially lost, you will have to submit a second, more detailed form within a time period set by the airline. The information on the form is used to estimate the value of your lost belongings. Airlines can limit their liability for delayed, lost and damaged baggage, however, they must prominently display a sign that explains the limit. Generally, the maximum an airline pays on lost bags and their contents is limited to $2,800 per passenger on domestic flights, and $1,000 per passenger for checked baggage on international flights.
If the airline's offer doesn't fully cover your loss, check your homeowner's or renter's insurance to see if it covers losses away from home. Some credit card companies and travel agencies also offer optional or even automatic supplemental baggage coverage.
On those trips when you know you're carrying more than the liability limits, you may want to ask about purchasing "excess valuation" from the airline when you check in. Of course, there is no guarantee the airline will sell you this protection. The airline may refuse, especially if the item is valuable or breakable.
Protect Your Valuables
The only way to be sure your valuable possessions are not damaged or lost is to carry them onboard and keep them with you. Items you should plan to pack in your carry-on luggage include:
***Small valuables (such as cash, credit cards, jewelry, cameras, personal computers)
***Critical items (medicine, keys, passport, business papers)
***Irreplaceable items (manuscripts, heirlooms)
***Fragile items (eyeglasses, glass containers)
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Travel: Delayed, Cancelled, or Overbooked Flights

Travel -Delayed, Cancelled, or Overbooked Flights
Delayed and Cancelled Flights
Airline delays caused by bad weather, traffic control problems, and mechanical repairs are hard to predict. If your flight is canceled, most airlines will rebook you on the earliest flight possible to your destination, at no additional charge. If you're able to find a flight on another airline, ask the first airline to endorse your ticket to the new carrier. This could save you a fare increase, but there is no rule requiring them to do this.
Each airline has its own policies about what it will do for delayed passengers; there are no federal requirements. If your flight is delayed or canceled, ask the airline if it will pay for meals or a phone call. Contrary to what many people believe, airlines are not required to do so.
Be Wise While You Wait
While waiting for your flight, remember to follow these important recommendations:
***Watch your luggage and belongings at all times
***Do NOT accept packages from strangers
***If you see unattended baggage or packages anywhere in the airport terminal or parking area, report them immediately to a security officer or authority
***Report any suspicious activities to airport security
***Do NOT joke about having a bomb or firearm
***Do NOT discuss terrorism, weapons, explosives or threats while going through the security checkpoint
Overbooked Flights
Selling more tickets than there are seats is not illegal. Most airlines overbook their flights to compensate for "no-shows." If there are more passengers than seats just before a plane is scheduled to depart, you could be "bumped" or left behind against your will. Whether you are bumped or not may depend on when you officially check-in for your flight, so try to arrive early. The U.S. Department of Transportation requires airlines to ask people to give up their seats voluntarily, in exchange for compensation. Airlines decide what to offer volunteers, such as money, a free trip, food or lodging.
Federal rules protect you if you are "bumped" on most flights within the United States and on outbound international flights. The airline must give you a written statement describing your rights, as well as the airline's boarding priority rules and criteria.
If the airline is not able to get you to your final destination within one hour of your original arrival time, you may be entitled to an on-the-spot payment as compensation. The amount depends on the price of the ticket and the length of the delay.
To receive this payment, you must have a confirmed reservation. You must also meet the airline's deadlines for ticketing and check-in. An airline may offer you a free ticket on a future flight in place of a check, but you have the right to insist on a check.
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Jokes : Miraculous

Husband - You always carry my photo in your handbag to the office. Why?
Wife - When there is a problem, no matter how impossible, I look at your picture and the problem disappears.
Husband - You see, how miraculous and powerful I am for you?
Wife - Yes, I see your picture and say to myself, "What other problems can there be greater than this one?"
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Travel: General Tips

Travel - General Tips
Whether reserving a hotel room, buying plane tickets or making other travel arrangements, these tips will help you get a deal that delivers what you are promised.
***Plan as far ahead as you can. Special deals on hotel rooms and airline seats often sell out very quickly.
***Be flexible in your travel plans. Hotels often offer better rates on days when they expect fewer people. After you get a fare quote from an airline, ask if you could save money by leaving a day earlier or later, by taking a different flight on the same day, or using a different airport. Changing planes during your trip is sometimes cheaper than a nonstop flight.
***Check out the seller. Ask tour operators and travel agents whether they belong to a professional association, then check to see if they are a member in good standing. Contact your state or local consumer protection agency and the Better Business Bureau to find their complaint history.
***Comparison shop. Determine the complete cost of the trip in dollars, including all service charges, taxes, processing fees, etc.
***Beware of unusually cheap prices and freebies. It could be a scam and you could end up paying more than the cost of a regular package tour.
***Make sure you understand the terms of the deal.. If you're told that you've won a free vacation, ask if you have to buy something else in order to get it. If the destination is a beach resort, ask the seller how far the hotel is from the beach. Then ask the hotel.
***Ask about cancellation policies. You may want to look into trip insurance for added protection. InsureMyTrip.com offers pricing and policy information on plans from different companies and describes the different forms of policies available.
***Insist on written confirmations. Ask for written proof of reservations and dates.
***Pay by credit card. It's not unusual to make a deposit or even pay in full for travel services before the trip. A credit card gives you the right to dispute charges for services that were misrepresented or never delivered. If a travel agent or service provider tells you that you can't leave for at least two months, be very cautious-the deadline for disputing a credit card charge is 60 days and most scam artists know this.
In some states, travel sellers have to be registered and insured. Advance payments for travel must be placed in an escrow account until the services are provided. Prizes or "free" gifts may also be regulated. Contact your state or local consumer protection agency to find out about your rights and how to file complaints. The American Society of Travel Agents will also help resolve disputes with member agents.
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Banking: Gift Cards

Banking - Gift Cards
Tips for Buying Gift Cards:
***Read the fine print before you buy. If you don't like the terms and conditions, buy elsewhere.
***Ask about expiration dates and fees. The information may appear on the card itself, the accompanying sleeve or envelope, or on the issuer's website or another custom website. If you don't see it, ask for it in writing. Give the information to the recipient to help protect the value of the card. It's also a good idea to give the recipient the original receipt to verify the card's purchase in case it is lost or stolen.
***Consider purchase fees. Is there a fee to buy or activate the card? If you buy the card online or on the phone, is there a fee for shipping and handling? Does expedited delivery cost more?
***Consider fees for the recipient. It might be embarrassing to give a $50 gift card to someone if the fees significantly reduce its value.
***Check where and how the card may be used. For example, can the card be used to get cash from ATMs? Can it be used at merchants outside the U.S.?
Tips for Using Gift Cards:
***Read the terms and conditions as soon as you get the card and check the expiration date.
***Record the card's ID number and the customer service telephone number, and keep the information in a safe place until you've spent all of the money on the card.
***If you didn't get the card's terms and conditions or original receipt, ask for them from the person who gave you the card.
***Take care to safeguard your card. If it is lost or stolen, report it to the customer service number immediately, supply the ID number, and request a replacement.
***Spend the value on your card before the maintenance fees start. If your card expires before you've had the chance to exhaust its value, contact the customer service number. It might be possible to extend the date, although you may be charged a fee.
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Banking: Prepaid Cards

Banking - Prepaid Cards
Prepaid cards issued by banks and other government-regulated organizations are a new way for consumers to make payments and conduct other financial transactions. There are plenty of situations where a prepaid card might be the most convenient choice, but be sure you understand the key terms and conditions BEFORE you buy.
Ask these questions when you are considering a prepaid card:
***What are the possible fees associated with using the card?
***Where can the card be used (online, at ATMs, outside the U.S.)?
Reputable distributors of prepaid cards will give you the terms and conditions in writing or have them available on their website. If you don't understand how your card works, ask for help where you purchased it, from your employer (if it's a payroll card), or by contacting the customer service number on the card.
Payroll and General Purpose Spending Cards
Payroll and General Purpose Spending Cards can be very useful for those who want to budget their money and for those who don't have a checking account or credit card.
General Purpose Spending Cards, which may be purchased by consumers, typically charge a monthly maintenance fee and could charge additional fees for adding funds to the card and/or making purchases or getting cash.
Payroll Cards are similar to General Purpose Spending Cards except that they are provided by employers in place of paychecks. Payroll Cards typically allow a certain number of ATM withdrawals without charge to the cardholder and usually do not assess fees for purchases.
While the federal government does not guarantee the same protections for all prepaid cards, many "branded" cards voluntarily carry protections that are the same as credit and debit cards. Cards with a major credit card brand logo provide consumer protections, such as replacing lost or stolen cards and re-crediting money after unauthorized use of the card. To obtain these benefits, you must follow the instructions for registering and activating your card.
Be sure to record your card information, including the customer service telephone number on the back of the card, so you can get a replacement if yours is lost or stolen.
If you have a problem with a prepaid card, first contact the customer service number. If the problem still isn't resolved, you may want to file a complaint with the proper authorities:
***For cards issued by retailers, contact the FTC. You may also file a complaint with your local consumer protection office.
***For cards issued by national banks, contact the Comptroller of the Currency.
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Banking: Savings and Checking

Banking - Savings and Checking
When it comes to finding a safe place to put your money, there are a lot of options. Savings accounts, checking accounts, certificate of deposits and money market accounts are popular choices. Each has different rules and benefits that fit different needs.
When choosing the one that is right for you, consider:
***Minimum deposit requirements. Some accounts can only be set up with a minimum dollar amount. If your account goes below the minimum, no interest is paid or you are charged extra fees.
***Limits on withdrawals. Can you take money out whenever you want? Are there any penalties for doing so?
***Interest. How much (if anything) is paid and when: daily, monthly, quarterly, yearly? To compare rates offered locally to those from financial institutions around the nation, visit http://www.bankrate.com/.
***Deposit insurance. Look for a sign that says your money is protected by the Federal Deposit Insurance Corporation. Credit union accounts have similar protection from the National Credit Union Administration.
***Convenience. How easy is it to put money in and take it out? Are there tellers or ATM machines close to where you work and live? Or would you receive most of your service via the telephone or Internet? Can you make direct deposits and other electronic transfers?
If you are considering a checking account or another type of account with check-writing privileges, add these items to your list of things to think about:
***Number of checks. Is there a maximum number of checks you can write per month? If you write more, what is the charge?
***Amount of check. Is there a minimum or maximum amount for any one check?
***Account and check fees. Is there a monthly fee for the account or a charge for each check you write? Some accounts only charge a fee if you write more than a certain number of checks per month.
***Holds on checks. Is there a "hold" or waiting period before you can access the money you deposit in your account? There may be a longer hold period for out-of-state checks.
***Overdrafts. If you write a check for more money than you have in your account, what happens? You may be able to link your checking account to a savings account to protect yourself. There could also be high fees for "bounced" checks (from you or written to you). Bounced checks can blemish your credit record so it's better to be covered.
Checks 21 The new Check Clearing for the 21st Century Act (often referred to as Check 21) allows banks to clear checks electronically instead of exchanging actual paper checks. Banks no longer have to return original checks with your monthly statements or even when there is a problem with a particular check.
Check 21 creates "substitute checks" which you can use as legal representations of the originals. Ordinary check images, which some banks have provided for years, are NOT substitute checks. It has always been a good idea to get canceled checks with your monthly statement. Now you will want "substitute checks" each month.Banks usually take at least a day or two to process paper checks, but electronic processing can happen almost immediately.
This means you have less "float" time between when you write a check and when the money is actually taken out of your account. This could increase the chance that one of your checks will bounce due to insufficient funds. Having your employer deposit your paycheck directly into your account can help you cope with the change in "float" time. Quicker clearing also means less time to stop payment on a check.
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Banking: ATM/Debit Cards

Banking - ATM/Debit Cards
With a debit card and personal identification number (PIN), you can use an Automated Teller Machine (ATM) to withdraw cash, make deposits, or transfer funds between accounts. Some ATMs charge a fee if you are not a member of the ATM network or are making a transaction at a remote location.
Retail purchases can also be made with a debit card. You enter your PIN or sign for the purchase. Some banks charge customers a fee for debit card purchases made with a PIN. Although a debit card looks like a credit card, the money for the purchase is transferred immediately from your bank account to the store's account. When you use a debit card, federal law also does not give you the right to stop payment. You must resolve the problem with the seller.
If you suspect your debit card has been lost or stolen, immediately call the card issuer. Many companies have toll-free numbers and a 24-hour service to deal with such emergencies. While federal law limits your liability for a lost or stolen credit card to $50, your liability for unauthorized use of your ATM or debit card can be much greater, depending on how quickly you report the loss.
***If you report a debit card missing before it is used, you are not responsible for any unauthorized withdrawals.
***Your liability is limited to $50 if you report the loss within two business days after you realize your debit card is missing and to $500 if you report the loss after two but before 60 days.
***If you have not reported an unauthorized use of a debit or ATM card 60 days after your bank mails the statement documenting the unauthorized use, you could lose all the money in your bank account as well as the unused portion of your line of credit established for overdrafts. Check the policies of your card issuer. Some offer more generous limits on a voluntary basis.
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Zen

Zen

1. Overflowed tea = Think himself has more knowledge, need no more new knowledge.

2. Oh, umbrella, shading me from heat and cold. Have I ever shaded anyone at all? = Have you ever help someone?

3. He is a man in the world yet not of the world. = Are you great in dharma?

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Credit: Credit Cards(Selecting a Credit Card)

Credit - Credit Cards(Selecting a Credit Card)
Chances are you've received "pre-approved" credit card offers in the mail. Examine the fine print carefully before you accept any offer for a credit or charge card. Look for:
***The Annual Percentage Rate (APR). If the interest rate is variable, how is it determined and when can it change?
***The periodic rate. This is the interest rate used to figure the finance charge on your balance each billing period.
***The annual fee. While some cards have no annual fee, others expect you to pay an amount each year for being a cardholder.
***The grace period. This is the number of days you have to pay your bill before finance charges start. Without this period, you may have to pay interest from the date you use your card or when the purchase is posted to your account.
***The finance charges. Most lenders calculate finance charges using an average daily account balance, which is the average of what you owed each day in the billing cycle. Look for offers that use an adjusted balance, which subtracts your monthly payment from your beginning balance. This method usually has the lowest finance charges. Stay away from offers that use the previous balance in calculating what you owe; this method has the highest finance charge. Also don't forget to check if there is a minimum finance charge.
***Other fees. Ask about special fees when you get a cash advance, make a late payment, or go over your credit limit. Some companies charge a monthly fee regardless of whether you use your card.
The Fair Credit and Charge Card Disclosure Act require credit and charge card issuers to include this information on credit applications. The Federal Trade Commission offers a wide range of free publications on credit and consumer rights at http://www.ftc.gov/. The Federal Reserve Board provides a free brochure on choosing a credit card and a guide to credit protection laws at http://www.federalreserve.gov/.
Comparing Cards
***Bank Rate (http://www.bankrate.com/) provides free credit card tips and information. ***Consumer Action (http://www.consumer-action.org/) has a site that features credit card surveys of interest rates, fees and other terms from dozens of credit cards, as well as free brochures and guides on choosing and using credit cards.
***Card Web (http://www.cardweb.com/) lists credit cards and offers e-mail newsletters, frequently asked questions and online credit card calculators.
***Card Ratings (http://www.cardratings.com/) lists and reviews credit cards, and offers tips and credit card calculators.
Lost and Stolen Credit Cards
Immediately call the card issuer when you suspect a credit or charge card has been lost or stolen. Many companies have toll-free numbers and 24-hour service to deal with such emergencies.
By federal law, once you report the loss or theft of a card, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.
Complaints
To complain about a problem with your credit card company, call the company first and try to resolve the problem. If you fail to resolve the issue, ask for the name, address and phone number of its regulatory agency.
If the word national appears in the name or the letters N.A. appear after the name, the Office of the Comptroller oversees its operations.
To complain about a credit bureau, department store or other FDIC-insured financial institution, write to the Consumer Response Center. You may also file a complaint online at http://www.ftc.gov/.
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Credit: Loans

Credit - Loans
Home-Equity Loans
Consider carefully before taking out a home equity loan. Although this type of loan might let you take tax deductions that you could not take with other types of loans, they reduce the equity you have built up in your house. If you are unable to make payments, you could lose your home.
Home equity loans can either be a revolving line of credit or a one-time, closed-end loan. Revolving credit lets you choose when and how often to borrow against the equity in your home. In a closed-end loan, you receive a lump sum for a particular purpose, such as remodeling or tuition. Apply for a home equity loan through a bank or credit union first. These loans are likely to cost less than those offered by finance companies.
See the Housing section for helpful information about buying, leasing, renting or repairing a home.
Installment Loans
Before you sign an agreement for a loan to buy a house, a car or other large purchase, make sure you fully understand all the lender's terms and conditions, including:
***The dollar amount you are borrowing
***The payment amounts and when they are due
***The total finance charge, the total of all the interest and fees you must pay to get the loan ***The Annual Percentage Rate (APR), the rate of interest you will pay over the full term of the loan
***Penalties for late payments
***What the lender will do if you can't pay back the loan
***Penalties if you pay the loan back early The Truth in Lending Act requires lenders to give you this information so you can compare different offers.
Payday and Tax Refund Loans
With a typical payday loan, you might write a personal check for $115 to borrow $100 for two weeks, until payday. The annual percentage rate (APR) in this example is 390 percent! Payday loans are illegal in some states.
Another high cost way to borrow money is a tax refund loan. This type of credit lets you get an advance on a tax refund. APRs as high as 774% have been reported. If you are short of cash, avoid both of these loans by asking for more time to pay a bill or seeking a traditional loan. Even a cash advance on your credit card may cost less.
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