Words-Wonder

Joke : Special Duty

2009-01-25T18:36:00.000-08:00

A general, a colonel and a major were having a heated argument on the subject of sex.

The general maintained that sex was 60 percent work and 40 percent fun.

The colonel said it was 75 percent work and 25 percent fun.

The major thought it was 90 percent work and 10 percent fun.

At the height of argument, a private appeared at the door.

"Let's leave it to him." said the major.

The private listened carefully and said, with an air of absolute finality,

"If you will pardon me sirs, sex is 100 percent fun and no work at all."

"How do you figure that?" cried the astonished officers.

"It is very simple," said the private.

"If there was any work in it at all, you guys would have me doing it for you."

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Joke : Too Young and Too Old

2009-01-25T18:33:00.000-08:00

An old man, walking down the street, saw a small boy sitting on the curb crying. He stopped and asked,

"Little boy , what are you crying about?

The little boy said, "I'm crying because I can't do what the big boys do.

"So, the old man sat down along side and cried too.

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Saying of the Buddha(Some)

2009-01-16T17:29:00.000-08:00

1
To avoid all evils
To cultivate good
To purify one's own mind
This is a teaching of all Buddhas
To go beyond suffering

2
Our critic is our guide to precious treasure.

3
Overcome an angry person by restraining your anger.

4
Anger comes as a result of intolerance.

5
Happy is he who has killed his own anger.

6
No happiness surpasses peace of mind.

7
Practise what you preach.

8
One who can maintain peace of mind is happy.

9
But best of all, to do no evil act.

10
Craving and desire make a man desperately forevermore.

11
Indebtednees is just another kind of suffering.

12
The winner creates enmity; the loser is sickened by defeat.

13
Whatever you do, do it with all your heart and soul.

14
Through perseverance, comes liberation.

15
In the world, there is no place to hide, for the does of evil.

16
Those who procrastinate meet only with failure.

17
It is a virtue indeed to conquer oneself.

18
The mistakes of others are easy to see, but what of our own mistakes.

19
There is no use in friendship with an ungrateful person.

20
Don't repel..Don't reproach the careless man buy tell the blind with the good way.

Jokes : Job's Form

2008-12-14T03:44:00.000-08:00

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

2008-12-14T03:41:00.000-08:00

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

2008-11-21T03:26:00.000-08:00

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

2008-11-21T03:19:00.000-08:00

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

2008-11-19T18:31:00.000-08:00

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

2008-11-19T18:27:00.000-08:00

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

2008-11-18T19:14:00.000-08:00

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

2008-11-18T19:10:00.000-08:00

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

2008-10-03T19:00:00.000-07:00

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

2008-10-03T18:49:00.000-07:00

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

2008-10-03T18:42:00.000-07:00

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

2008-10-03T18:34:00.000-07:00

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

2008-09-22T03:40:00.000-07:00

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

2008-09-21T04:14:00.000-07:00

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

2008-09-21T04:06:00.000-07:00

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

2008-09-07T19:25:00.000-07:00

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

2008-09-06T18:35:00.000-07:00

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

2008-09-03T20:07:00.001-07:00

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

2008-08-22T04:29:00.000-07:00

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

2008-08-16T18:25:00.000-07:00

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

2008-08-13T17:37:00.000-07:00

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

2008-08-11T18:51:00.000-07:00

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

2008-08-11T18:28:00.001-07:00

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

2008-08-05T04:49:00.000-07:00

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

2008-07-23T18:16:00.000-07:00

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

2008-07-23T18:10:00.000-07:00

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

2008-07-22T04:44:00.000-07:00

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)

2008-07-17T04:41:00.000-07:00

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

2008-07-17T04:31:00.000-07:00

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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Credit: General tips

2008-07-17T04:25:00.000-07:00

Credit - General tips
Like everything else you buy, credit has a price tag and it pays to comparison shop. With the Internet, you can now compare local credit offers with those from financial institutions around the nation. For up-to-date interest rate reports on mortgages, auto loans, credit cards, home equity loans, and other banking products visit http://www.bankrate.com/. Or for a listing of credit cards, visit http://www.cardlocator.com/.
The Equal Credit Opportunity Act protects you when dealing with anyone who regularly offers credit, including banks, finance companies, stores, credit card companies and credit unions. When you apply for credit, a creditor may not:
***Ask about or consider your sex, race, national origin or religion
***Ask about your marital status or your spouse, unless you are applying for a joint account or relying on your spouse's income, or you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington)
***Ask about your plans to have or raise children
***Refuse to consider public assistance income or regularly received alimony or child support ***Refuse to consider income because of your sex or marital status or because it is from part-time work or retirement benefits
You have the right to:
***Have credit in your birth name, your first name and your spouse's last name, or your first name and a combined last name
***Have a co-signer other than your spouse if one is necessary
***Keep your own accounts after you change your name or marital status or retire, unless the creditor has evidence you are unable or unwilling to pay
***Know why a credit application was rejected-the creditor must give you the specific reasons or tell you how you can get them if you ask within 60 days
***Have accounts shared with your spouse reported in both your names
***Know how much it will cost to borrow money For additional information on credit, see Buying a Home and Buying a Car. Other sources of information include the HUD Housing Counseling Clearinghouse (1-888-466-3487), the FTC and the National Consumer Law Center.
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Insurance: Beware Insurance Fraud

2008-07-16T19:01:00.000-07:00

Insurance - Beware Insurance Fraud
To avoid insurance fraud:
***Be wary of people selling insurance door-to-door and over the telephone.
***Be suspicious if, after an accident, a stranger contacts you to offer “quick cash” or recommends a particular attorney or health care provider. Report the incident to your police department.

***Don’t give your insurance identification numbers to companies you don’t know.
***Carry a disposable camera in your glove compartment. If you are in an accident, take pictures of the damage and the people involved. Ask for names, telephone numbers and driver’s license information for all those involved. Contact information for any witnesses is also a good idea. If you suspect fraud, call the National Insurance Crime Bureau’s hotline at 1-800-835-6422. For more information, check out http://www.insurancefraud.org/
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Insurance: Long-Term Care and Other Insurance

2008-07-16T18:56:00.000-07:00

Insurance - Long-Term Care and Other Insurance
Medical advances have resulted in an increased need for nursing home care and assisted living. Most health insurance plans and Medicare severely limit or exclude long-term care. Here are some questions to ask when considering a separate long-term care insurance policy.
***What qualifies you for benefits? Some insurers say you must be unable to perform a specific number of the following activities of daily living: eating, walking, getting from bed to a chair, dressing, bathing, using a toilet and remaining continent.
***What type of care is covered? Does the policy cover nursing home care? What about coverage for assisted living facilities that provide less client care than a nursing home? If you want to stay in your home, will it pay for care provided by visiting nurses and therapists? What about help with food preparation and housecleaning?
***What will the benefit amount be? Most plans are written to provide a specific dollar benefit per day. The benefit for home care is usually about half the nursing-home benefit. But some policies pay the same for both forms of care. Other plans pay only for your actual expenses. ***What is the benefit period? It is possible to get a policy with lifetime benefits but this can be very expensive. Other options for coverage are from one to six years. The average nursing home stay is about 2.5 years.
***Is the benefit adjusted for inflation? If you buy a policy prior to age 60, you face the risk that a fixed daily benefit will not be enough by the time you need it.
***Is there a waiting period before benefits begin? A 20 to 100 day period is not unusual.
Other Insurance
***Travel Insurance. There are four kinds of travel insurance: Travel Cancellation Insurance, Baggage or Personal Effects Coverage, Emergency Medical Coverage and Accidental Death. One helpful website is http://www.insuremytrip.com/.
***Identity Theft Insurance. This type of insurance provides reimbursement to crime victims for the cost of restoring their identity and repairing credit reports. Some companies now include this as part of their homeowner's insurance policy. Others sell it as a stand-alone policy. Ask your homeowner policy company for information.
***International Healthcare Insurance. A policy that provides health coverage no matter where you are in the world. The policy term is flexible so you can purchase only for the time you will be out of the country. Check online or write your current healthcare provider for coverage information.
***Liability Insurance. Insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person. Search online or ask your personal insurance agent for more information.
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Insurance: Life and Disability

2008-07-16T18:50:00.000-07:00

Insurance - Life and Disability
Life Insurance
Your need for life insurance will change with changes in your life. For example, the arrival of children usually triggers a sharp increase in the amount you need. As children grow older and leave the nest, you will probably need less protection. Term life insurance policies are the least costly. They pay death benefits but have no cash value if you decide to stop making payments. As the word "term" suggests, these policies are in effect for a specific period of time-one year or until you reach a certain age are common. Visit http://www.accuquote.com/ for online comparisons of term life insurance.
Whole life, universal life, and other cash value policies combine a long-term savings and investment product with life insurance. Canceling these policies after only a few years can more than double your life insurance costs.
Disability Insurance
Disability can be more disastrous financially than death. If you are disabled, you lose your earning power, but you still have living expenses and often huge expenses for medical care. When purchasing disability insurance, ask:
***How is disability defined? Some policies consider you disabled if you are unable to perform the duties of any job. Better plans pay benefits if you are unable to do the usual duties of your own occupation.
***When do benefits begin? Most plans have a waiting period after an illness before payments begin.
***How long do benefits last? After the waiting period, payments are usually available till you reach age 65, though shorter or longer terms are also available.
***What dollar amount is promised? Can benefits be reduced by Social Security disability and workers' compensation payments? Are the benefits adjusted for inflation? Will the policy provider continue making contributions to your pension plan so you have retirement benefits when the disability coverage ends? For more information on disability insurance, visit http://www.iii.org/ and http://www.hiaa.org/.
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Insurance: Health Insurance

2008-07-16T04:19:00.000-07:00

Insurance - Health Insurance
Most consumers have healthcare coverage from an employer. Others have medical care paid through a government program such as Medicare, Medicaid, or the Veterans Administration.
If you have lost your group coverage from an employer as the result of unemployment, death, divorce, or loss of "dependent child" status, you may be able to continue your coverage temporarily under the Consolidated Omnibus Budget Reconciliation Act (COBRA). You, not the employer, pay for this coverage. When one of these events occurs, you must be given at least 60 days to decide whether you wish to purchase the coverage.
Some states offer an insurance pool to residents who are unable to obtain coverage because of a health condition. To find out if a pool is available in your state, check with your state department of insurance.
Most states also offer free or low-cost coverage for children who do not have health insurance. Visit http://www.insurekidsnow.gov/ or call 1-877-KIDS-NOW (543-7669) for more information.
Healthcare Plans
When purchasing health insurance, your choices will typically fall into one of three categories:
***Traditional fee-for-service health insurance plans are usually the most expensive choice. But they offer you the most flexibility when choosing healthcare providers.
***Health Maintenance Organizations (HMOs) offer lower co-payments and cover the costs of more preventative care, but your choice of healthcare providers is limited. The National Committee for Quality Assurance evaluates and accredits HMOs. You can find out whether one is accredited in your state by calling 1-888-275-7585. You can also get this information as well as report cards on HMOs by visiting its website (http://www.ncqa.org/).
***Preferred Provider Organizations (PPOs) offer lower co-payments like HMOs but give you more flexibility when selecting a provider. A PPO gives you a list of providers you can choose from. WARNING: If you go outside the HMO or PPO network of providers, you may have to pay a portion or all of the costs.
Medicare Beneficiaries
Medicare beneficiaries can compare HMO programs at http://www.medicare.gov/ and http://www.medicarenewswatch.com/, or by calling Health Metrix Research Inc. at 1-888-223-3515.
When choosing among different healthcare plans, you'll need to read the fine print and ask lots of questions, such as:
***Do I have the right to go to any doctor, hospital, clinic or pharmacy I choose?
***Are specialists such as eye doctors and dentists covered?
***Does the plan cover special conditions or treatments such as pregnancy, psychiatric care and physical therapy?
***Does the plan cover home care or nursing home care?
***Will the plan cover all medications my physician might prescribe?
***What are the deductibles? Are there any co-payments?
***What is the most I will have to pay out of my own pocket to cover expenses?
***Are there any limits on expenses covered in a year? In my lifetime?
***If there is a dispute about a bill or service, how is it handled? In some plans, you may be required to have a third-party decide how to settle the problem.
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Insurance: Homeowner and Renter's

2008-07-16T04:12:00.000-07:00

Insurance - Homeowner and Renter's
You may be able to save hundreds of dollars a year on homeowners insurance by shopping around. You can also save money with these tips.
***Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium.
***Ask your insurance agent about discounts. You may be able get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire retardant roofing material. Persons over 55 years of age or long-term customers may also be offered discounts.
***Insure your house NOT the land under it. After a disaster, the land is still there. If you don't subtract the value of the land when deciding how much homeowner's insurance to buy, you will pay more than you should.
***Don't wait till you have a loss to find out if you have the right type and amount of insurance. ***Make certain you purchase enough coverage to replace what is insured. "Replacement" coverage gives you the money to rebuild your home and replace its contents. An "Actual Cash Value" policy is cheaper but pays only what your property is worth at the time of loss-your cost minus depreciation for age and wear.
***Ask about special coverage you might need..You may have to pay extra for computers, cameras, jewelry, art, antiques, musical instruments, stamp collections, etc.
***Remember that flood and earthquake damage are not covered by a standard homeowners policy. The cost of a separate earthquake policy will depend on the likelihood of earthquakes in your area. Homeowners who live in areas prone to flooding should take advantage of the National Flood Insurance Program.
***If you are a renter, do not assume your landlord carries insurance on your personal belongings. Purchase a separate policy for renters
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Insurance: Auto Insurance

2008-07-16T04:05:00.000-07:00

Insurance - Auto Insurance
Getting several quotes on insurance for a motor vehicle may save you hundreds of dollars a year. Other ways to reduce your insurance premium are:
Raise your deductibles on collision and comprehensive coverages. If you have an old car, you might want to drop these coverages altogether.
Take advantage of discounts. Some companies offer discounts to motorists who drive less than a certain amount of miles per year, are students with good grades, have taken a safe-driving course or are over 50 years old. You might also be able to get discounts if you insure more than one vehicle, insure your vehicle and your home with the same company, have had no moving vehicle violations or accidents in three years, have anti-theft devices or have safety features such as air bags.
Shopping for and buying insurance on the Internet offers consumers a new level of convenience, but you need to protect yourself when purchasing insurance online. Do your research, double-check the company and agent, update your browser (newer browsers are equipped with security measures that alert you to insecure sites), get all quotes and policy information in writing and keep detailed records. Go to your state insurance department for more information on company and agent requirements.
You can also find valuable information about car ownership in the Cars section.
Insurance Tips
Be wary of people selling insurance door-to-door and over the telephone.
Be suspicious if, after an accident, a stranger contacts you to offer "quick cash" or recommends a particular attorney or healthcare provider. Report the incident to your police department.
Don't give your insurance identification numbers to companies you don't know.
Carry a disposable camera in your glove compartment. If you are in an accident, take pictures of the damage and the people involved. Ask for names, telephone numbers and driver's license information for all those involved. Getting contact information for any witnesses is also a good idea.
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Insurance: General Tips

2008-07-15T18:03:00.000-07:00

Insurance-General Tips
General sources of insurance information include the American Council of Life Insurers, the Insurance Information Institute, the National Association of Insurance Commissioners, and your state insurance department.
When buying insurance:
***Find out whether your state insurance department offers any information concerning insurance companies and rates. This is a good way to get a feeling for the range of prices and the lowest-cost providers in your area.
***Check several sources for the best deal. Try getting quotes from a website such as http://www.insweb.com/, but be aware that many online services may provide prices for just a few companies. An independent insurance agent that works with several insurers in your local area might be able to get you a better deal.
***Check the financial stability and soundness of the insurance company. Ratings from A.M. Best, Standard & Poor's, Moody's Investors Services , and Weiss Ratings, Inc. are available online and at most public libraries.
***Research the complaint record of the company. Contact your state insurance department or visit the website of the National Association of Insurance Commissioners), which has a database of complaints filed with state regulators.
***Find out what others think about the company's customer service. Consumers can rate homeowner insurance companies at www.jdpower.com/homes/insuranceratings.
***Once you pay your first insurance premium, make sure you receive a written policy. This tells you the agent forwarded your premium to the insurance company. If you don't receive a policy within 60 days, contact your agent and the insurance company. If you suspect fraud, call the National Insurance Crime Bureau's hotline at 1-800-835-6422. Or for more information, check out the Coalition Against Insurance Fraud website
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Cars: Renting a Vehicle

2008-07-13T18:45:00.000-07:00

Cars - Renting a Vehicle
Federal law does not cover short-term car and truck rentals, but some state laws do. Contact your local consumer protection office for information or to file a complaint.
***Ask in advance if there are any charges besides the stated rental fee. There may be an airport surcharge or drop-off fees, insurance fees, fuel charges, mileage fees, taxes, additional-driver fees, under aged-driver fees, and equipment rental fees (for items such as ski racks and car seats).
***Ask if the rental company checks the driving records of customers when they arrive at the counter. If so, you could be rejected even if you have a confirmed reservation.
***Check in advance to be sure you aren't duplicating insurance coverage. If you're traveling on business, your employer might have insurance that covers damage to the vehicle if you are in an accident. You might also have coverage through your personal auto insurance, a motor club membership, or the credit card you used to reserve the rental.
***Carefully inspect the vehicle and its tires before renting.
***Check refueling policies and charges.
***Ask the rental company if a deposit is required. If so, ask for a clear explanation of the deposit refund procedures.
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Cars: Leasing a Vehicle

2008-07-13T18:40:00.000-07:00

Cars - Leasing a Vehicle
When you lease, you pay to drive someone else's vehicle. Monthly lease payments may be lower than loan payments, but at the end of the lease you have no ownership or equity in the car. To get the best deal, follow the advice below in addition to the general suggestions for buying a car.
***To help you compare leasing versus owning, the Consumer Leasing Act requires leasing companies to give you information on monthly payments and other charges. Check out Leaseguide.com, Leasecompare.com and Leasesource.com for online information on leases including current lease deals.
***Negotiate all the lease terms including the price of the vehicle. Lowering the base price will help reduce your monthly payments.
***Ask for details on wear and tear standards. Dings that you regard as normal wear and tear could be billed as significant damage at the end of your lease.
***Find out how many miles you can drive in a year. Most leases allow 12,000 to 15,000 miles a year. Expect a charge of 10 to 25 cents for each additional mile.
***Check the manufacturer's warranty. It should cover the entire lease term and the number of miles you are likely to drive.
***Ask the dealer what happens if you give up the car before the end of your lease. There may be extra fees for doing so.
***Ask what happens if the car is involved in an accident.
***Get all the terms in writing. Everything included with the car should be listed on the lease to avoid being charged for "missing" equipment later.
The Federal Reserve Board of Governors offers a consumer guide to auto leasing.
Credit and Sublease Brokers
Con artists often prey on people who have bad credit and who cannot get car loans. "Credit brokers" promise to get a loan for you in exchange for a high fee. In many cases, the "broker" takes the fee and disappears. "Sublease brokers" charge a fee to arrange for you to "sublease" or "take over" someone else's car lease or loan. Such deals usually violate the original loan or lease agreement. Your car can be repossessed even if you've made all of your payments. You also might have trouble insuring your car.
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Cars: Dealer Versus Private Party Purchases

2008-07-13T18:34:00.000-07:00

Cars - Dealer Versus Private Party Purchases
In general, buying from a dealer is a safer option because you are dealing with an institution, which means you are better protected by law. The Federal Trade Commission requires dealers to post a Buyer's Guide in the window of each used car or truck on their lot.
This Guide specifies whether the vehicle is being sold "as is" or with a warranty, and what percentage of repair costs a dealer will pay under the warranty. Keep in mind that private sellers generally have less responsibility than dealers for defects or other problems. FTC rules do not apply to private-party sales.
Expect to pay higher prices at a dealer than if you buy from an individual. Many dealers inspect their cars and provide an inspection report with each car. However, this is no substitute for your own inspection. Some dealers provide limited warranties, and most sell extended warranties. Watch out for dealer warranties that are "powertrain" warranties only, and not "bumper-to-bumper" full-coverage warranties. It's best to compare warranties from multiple sources.
Some dealers provide "certified" cars. This generally means that the cars have had a more thorough inspection and come with a limited warranty. Prices for certified cars are generally higher. Be sure to get a list of what was inspected and what is covered under the warranty.
Purchasing a car from a private seller could save you money, but there are risks. The car could be stolen, damaged or still under a finance agreement. If a private seller lies to you about the condition of the vehicle, you may sue the individual if you have evidence and you can find him. An individual is very unlikely to give a written warranty.
Beware: Dealers Posing as Individuals
Some dealers pretend to be private sellers to avoid legal obligations and to sell problematic cars to unsuspecting buyers. Be wary: if an ad gives only a mobile number or specifies a time to call; if the same number appears in several ads; or the seller wants to bring the car to you or meet you somewhere.
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Cars: General Tips on Buying a Used Vehicle

2008-07-13T18:25:00.000-07:00

Cars - General Tips on Buying a Used Vehicle
***Learn what rights you have when buying a used car. Contact your local consumer protection office.
***Find out in advance what paperwork you will need to register a vehicle. Contact your state's motor vehicle department.
***Check prices of similar models using the NADA Official Used Car Guide published by the National Automobile Dealer Association or the Kelly Blue Book. These guides are usually available at local libraries.
***Research the vehicle's history. Ask the seller for details concerning past owners, use, and maintenance. Next, find out whether the car has been damaged in a flood, involved in a crash, been labeled a lemon or had its odometer rolled back. The vehicle identification number (VIN) will help you do this.
***Your state motor vehicle department can research the car's title history. Inspect the title for "salvage," "rebuilt," or similar notations.
***The websites http://www.carfax.com/ and http://www.autocheck.com/ sell information on the history of vehicles gathered from state motor vehicle departments and other sources. These reports are helpful but they do not guarantee that a vehicle is accident-free.
***The National Highway Traffic Safety Administration lists VINs of its crash-test vehicles and will let you search an online database of manufacturer service bulletins.
***The Center for Auto Safety provides information on safety defects, recalls, and lemons, as well as service bulletins.
***Visit http://www.safetyforum.com/ for a free online search of its database of lemons registered by previous owners.
***Make sure any mileage disclosures match the odometer reading on the car.
***Check the warranty. If a manufacturer's warranty is still in effect, contact the manufacturer to make sure you can use the coverage.
***Ask about the dealer's return policy. Get it in writing and read it carefully.
***Have the car inspected by your mechanic. Talk to the seller and agree in advance that you'll pay for the examination if the car passes inspection, and that the seller will pay if significant problems are discovered. A qualified mechanic should check the vehicle's frame, tires, air bags and undercarriage, as well as the engine.
***Examine dealer documents carefully. Make sure you are buying-not leasing-the vehicle. Leases use terms such as "balloon payment" and "base mileage" disclosures.
Beware: Curb Stoning & Title Washing Curb stoning occurs when a dealer has an inferior or damaged car he can't sell on his lot. He gives the car to a salesperson to sell through the classifieds, as if it were a private party sale. A title history report will show that the title recently changed hands and could reveal that it is a lemon or an otherwise branded car. Be suspicious if the seller's name is different from the name on the title.
Title washing occurs when scam artists try to sell a salvage vehicle by concealing its history of damage from a buyer. Although a vehicle's title should show if it has been damaged or salvaged, some states do not document titles in the same way as other states. By moving a vehicle and its title through several different states, con artists try to "wash" out the title branding of salvage or damage. The best way to avoid this trick is to buy only from reputable dealers and/or to get a title guarantee in writing.
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Cars: Buying a New Car

2008-07-13T18:20:00.000-07:00

Cars - Buying a New Car
***Check out different vehicles. Several Internet sites can help you compare features and prices on new motor vehicles. Visit http://www.where-can-i-buy-a-car-online.com/ for links to these sites. A scorecard reports on the features of each site including whether quotes are free, the availability of financing, and site security. Four key resources that offer information in print and online concerning vehicle performance, service and safety are: Consumer Reports, Motor Trend, Car and Driver, and Edmunds.
***Research the dealer’s price for the car and options. It’s easier to get the best price when you know what the dealer paid for a vehicle. The dealer invoice price is available at a number of websites and in printed pricing guides. Consumer Reports provides the wholesale price. Lower than the invoice price, this figure factors in dealer incentives from a manufacturer and is a more accurate estimate of what a dealer is paying for a vehicle.
***Find out if the manufacturer is offering rebates that will lower the cost. Two websites that offer this information are Carsdirect.com and Autopedia.com.
***Get price quotes from several dealers. Find out if the amounts quoted are the prices before or after rebates are deducted.
***Avoid high-profit, low-value extras such as credit insurance, auto club memberships, extended warranties, rust proofing and upholstery finishes. You do not have to purchase credit insurance in order to get a loan.
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Cars: General Tips

2008-07-13T18:14:00.000-07:00

Cars - General Tips
Whether you are buying or leasing a vehicle, these tips will help you get the best deal and avoid problems.
***Decide what kind of vehicle best suits your needs and budget.. Read our tips for choosing a safe vehicle. To compare models and get car buying tips, visit Edmunds.com or InternetAutoGuide.com.
***Consider fuel economy. A vehicle that gets more miles per gallon is good for your wallet as well as for the environment.
***Check out the seller. For car dealers, check with your local consumer protection office and Better Business Bureau. If you're buying from an individual, check the title to make sure you're dealing with the vehicle owner.
***Take a test drive. Drive at different speeds and check for smooth right and left turns. On a straight stretch, make sure the vehicle doesn’t pull to one side.
***Handle trade-ins and financing separately from your purchase to get the best deal on each. Get a written price quote before you talk about a trade-in or dealer financing.
***Shop in advance for the best finance deal at your credit union, bank or finance company. Look at the total finance charges and the Annual Percentage Rate (APR), not just the monthly payment.
***Read and understand every document you are asked to sign.
***Don’t take possession of the car until all paperwork is final.
***Choose an auto insurance policy that is right for you..
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Investing: Beware Investment Fraud

2008-07-12T18:21:00.000-07:00

Investing - Beware Investment Fraud
Beware: Investment Fraud Deceptive pitches for investments often misrepresent or leave out facts in order to promote fantastic profits with little risk. No investment is risk-free and a high rate of return means greater risk. Before investing, get written information such as a prospectus or annual report. Beware if a salesperson:
***Encourages you to borrow money or cash in retirement funds to invest
***Pressures you to invest immediately
***Promises quick profits
***Says that the disclosure documents required by federal law are just a formality
***Tells you to write false information on your account form
***Sends material with typos or misspellings or not printed on letterhead
***Does not send your money promptly
***Offers to share inside information
***Uses words like "guarantee," "high return," "limited offer," or "as safe as a CD"
***Uses the phrase "this investment is IRA approved"
***Claims "off-shore investments are tax-free and confidential"
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Investment: General Tips

2008-07-12T18:08:00.000-07:00

Investing - General Tips
Investors today have a wide range of choices: stocks, bonds, mutual funds, Treasury securities (including savings bonds), options, commodities, commodity futures, real estate investment trusts (REITs), variable annuities and many more. You must investigate before you invest-and remember that every investment involves some degree of risk.
These investments are not insured by the federal government if they lose money or fail, even if you purchase them through a bank or credit union that offers federally insured savings accounts.
Make sure you have answers to all of these questions before you invest.
***How quickly can you get your money back? Stocks, bonds, and shares in mutual funds can usually be sold at any time, but there is no guarantee you will get back all the money you paid for them. Other investments, such as limited partnerships, often restrict your ability to cash out your holdings.
***What can you expect to earn on your money? While bonds generally promise a fixed return, earnings on most other securities go up and down with market changes. Also, keep in mind that just because an investment has done well in the past, there is no guarantee it will do well in the future.
***What type of earnings can you expect? Will you get income in the form of interest, dividends or rent? Some investments, such as stocks and real estate, have the potential for earnings and growth in value. What is the potential for earnings over time?
***How much risk is involved? With any investment, there is always the risk that you won't get your money back or the earnings promised. There is usually a trade-off between risk and reward: the higher the potential return, the greater the risk. The federal government insures bank savings accounts and backs up U.S. Treasury securities, including savings bonds. Other investment options are not protected.
***Are your investments diversified? Some investments perform better than others in certain situations. For example, when interest rates go up, bond prices tend to go down. One industry may struggle while another prospers. Putting your money in a variety of investment options can help to reduce your risk.
***Are there any tax advantages to a particular investment? U.S. Savings Bonds are exempt from state and local taxes. Municipal bonds are exempt from federal income tax and, sometimes, state income tax as well. For special goals, such as paying for college and retirement, tax-deferred investments are available that let you postpone or even eliminate payment of income taxes.
The Securities and Exchange Commission (SEC) requires public companies to disclose relevant financial information to help you make sound decisions. You can view the text of these files online. You can also call SEC's toll-free Investor Information Service at 1-800-732-0330 to obtain free publications and investor alerts or to learn how to file a complaint. The Financial Industry Regulatory Authority (FINRA) also provides up-to-date market data and information for a wide range of stocks, bonds, mutual funds, and other securities through its Market Data Center.
The following companies rate the financial condition of corporations and municipalities issuing bonds. Their ratings are available online and at many public libraries.
***Standard & Poor’s
***Moody’s Investors Services
***Weiss Ratings For ratings of mutual funds, consult magazines such as Kiplinger's Personal Finance, Money, Consumer Reports, Smart Money, and Worth. To compare expenses, use the Mutual Fund Expense Analyzer available at http://www.finra.org/.
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Internet: Spam & Phishing

2008-07-12T17:52:00.000-07:00

Internet - Spam and Phishing
E-mail spam is not just unwanted, it can be offensive. Pornographic spam causes many consumer complaints. Decrease the number of spam e-mails you receive by making it difficult for spammers to get and use your e-mail address.
***Don't use an obvious e-mail address, such as JaneDoe@isp.com. Instead use numbers or other digits, such as Jane4oe6@isp.com.
***Use one e-mail address for close friends and family and another for everyone else. Free addresses are available from Yahoo! and Hotmail. You can also get a disposable forwarding address from http://www.spammotel.com/. If an address attracts too much spam, get rid of it and establish a new one.
***Don't post your e-mail address on a public web page. Spammers use software that harvests text addresses. Substitute "janedoe at isp.com" for "janedoe@isp.com." Or display your address as a graphic image, not text.
***Don't enter your address on a website before you check its privacy policy.
***Uncheck any check boxes. These often grant the site or its partners permission to contact you.
***Don't click on an e-mail's "unsubscribe" link unless you trust the sender. This action tells the sender you're there.
***Never forward chain letters, petitions or virus warnings. All could be a spammer's trick to collect addresses.
***Disable your e-mail "preview pane." This stops spam from reporting to its sender that you've received it.
***hoose an Internet Service Provider (ISP) that filters e-mail. If you get lots of spam, your ISP may not be filtering effectively.
***Use spam-blocking software. Web browser software often includes free filtering options. You can also purchase special software that will accomplish this task.
***Report spam. Alert your ISP that spam is slipping through its filters. The Federal Trade Commission (FTC) also wants to know about "unsolicited commercial e-mail." Forward spam to uce@ftc.gov. Some e-mail users have lost money to bogus offers that arrived as spam in their in-box. Con artists are very cunning; they know how to make their claims seem legitimate. Some spam messages ask for your business, others invite you to a website with a detailed pitch. Either way, these tips can help you avoid spam scams:
***Protect your personal information. Share credit card or other personal information only when you're buying from a company you know and trust.
***Know with whom you're dealing. Don't do business with any company that won't provide its name, street address, and telephone number.
***Take your time. Resist the urge to "act now" despite the offer and terms. Once you turn over your money, you might never get it back.
***Read the small print. Get all promises in writing and review them carefully before you make a payment or sign a contract.
***Never pay for a "free" gift. Disregard any offer that asks you to pay for a gift or prize. If it's free or a gift, you shouldn't have to pay for it. Free means free. The FTC has many online publications about Internet usage topics including online auctions, e-mail, spam, shopping and privacy protection. Visit http://www.ftc.gov/.
--Be Suspicious of Mass E-mails Many mass e-mails contain false alarms, misleading requests for donations or fictitious offers of money and free goods. You can check the validity of almost any mass e-mail at http://www.snopes.com/. Don't forward an e-mail unless you're sure that it contains accurate information. Not only do such e-mails confuse recipients, they are often used to collect e-mail addresses for spammers.
--Phishing Is A Growing Problem "Phishing" is the use of fraudulent e-mail designed to steal identities as well as vital personal information such as credit card numbers, bank account PINS and passwords. Phishing e-mails often ask you to verify this type of information. Legitimate companies never ask for your password or account number via e-mail. If you're not sure, call the company directly.
Phishing is one of the fastest-growing scams, and the 4th most frequent complaint received by the National Consumers League. Worse, it's getting tougher for consumers to accurately spot fake e-mails.
Don't Take The Bait
Don't reply to e-mail messages that claim your credit card information or other personal information needs to be updated.
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Internet: Choosing Service Providers

2008-07-12T17:32:00.000-07:00

Internet - Choosing Service Providers
With thousands of Internet Service Providers (ISPs) offering to connect you and your computer to the Internet, choosing the ISP that is right for you can be overwhelming. Some ISPs are very large and well known, such as AOL, MSN, and Earthlink, while others are literally one-person operations. Some companies strictly limit their service to providing Internet access. Others, like your telephone and cable company, may offer Internet access as part of a much larger package.
If you have limited Internet expertise, you may want to start with one of the well-known ISPs.
They usually offer user-friendly startup software. This software often includes features such as a browser, instant messaging, parental controls, and pop-up blockers. Many also offer 24-7 access to technical support, which can help you deal with any difficulties. Of course, all of this convenience results in higher monthly user fees. Once you are comfortable with how the Internet works, you may discover you don't need all the 'extras' and switch to a lower-cost ISP.
Whatever your present level of expertise, you will want to consider these factors when selecting a provider.
***Speed. For a dial-up modem, does the ISP provide a 56k connection-the maximum speed ordinary phone lines can handle? For a faster connection, you will have to consider moving up to "broadband Internet access", which lets you access the Internet via high-speed technologies, such as a digital subscriber line (DSL), a cable modem, or satellite.
***Availability. For dial-up service, is there a local phone number for access? If you travel, will there be local numbers or a toll-free number that you can call?
***Modem Ratio. Since not all users are online at the same time, it is not necessary for an ISP to have a modem for every user. But they should have a user to modem ratio of 10 to 1 or better. The lower the number of users per modem, the better your chance of being able to connect at peak hours.
***Email. How many e-mail accounts come with the service? What will be the storage limit on your mailbox? How many days does the ISP keep your mail before deleting it?
***Website Space. Do you want to create a personal website? If so, find out whether your provider offers web space and software to create your page.
***Software. Is there any software required to activate the service? How do you get it? How large is the software? Can you use whatever browser or e-mail program you'd like?
***Support. What kinds of support are available-phone, e-mail, chat, etc.? What are the hours of support? Are there any additional charges for support?
***Special Features. What services are provided in terms of spam blocking, virus protection, instant messaging, and chat rooms?
***Terms of Service. Is there a limit to the number of hours per month you can use the service?
***Cost. What is the monthly fee for the service? Are there any additional equipment or setup fees? What is the fee for extra e-mail accounts?
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Save Money: Grocery Bill

2008-07-12T04:12:00.001-07:00

Tips to Help Lower the Grocery Bill

STILLWATER, Okla. -- Just like prices at the pump, consumers are seeing increases in the grocery store as well.
The Department of Labor estimates that the average American family of four spends $8,513 per year on groceries. That averages out to $709 per month. For some families, that rivals a mortgage payment.
Groceries gobble up the biggest part of a family’s household budget, said Sissy Osteen, Oklahoma State University Cooperative Extension Service resource management specialist.
“One of the easiest ways to lower your grocery bill is to simply make fewer trips to the store. Make a big trip once or twice a month,” Osteen said. “The fewer times you’re in the store, the less opportunity you’ll have for impulse buying. Research indicates that consumers making a ‘quick trip’ to the store end up spending 54 percent more than they intended.”
A consumer who goes to the store three times per week and spends $10 on impulse buys each trip will end up spending an additional $120 per month. By going to the store just once per week, consumers will spend only $40 per month on impulse buys and shopping once per month will spend $10 on impulse items. The shopping less saving more strategy can save families nearly $1,000 per year.
Shoppers can easily shave several dollars from their grocery bill by purchasing generic or store brand products over national brand items.
“In most cases you won’t sacrifice much in quality,” she said. “Everything from cereal and frozen vegetables to canned goods and prescription drugs is available under a generic or store brand label. You can save from a few cents to a couple of dollars per item. The savings can quickly add up.”
If there are a number of grocery stores in your area, compare the weekly sales ads and plan menus accordingly. Look for cheaper cuts of meat. Chicken thighs and legs cost less than chicken breasts.
Osteen said coupons can be a good way to save money. Many stores will double coupons up to a dollar.
“Keep in mind that you should only use coupons for products you use,” she said. “Be sure to compare the discounted price to the price of a store-brand product. Even with a coupon, you may be better off buying the store brand.”
Also, when it comes to shopping, make a list and stick to it. Plan the week’s meals and snacks and jot down everything needed for each meal. If possible, shop without your children so you are not tempted to give into pressure from youngsters for an extra treat or toy that is not on the list. “Be sure to compare prices on everything. Bagged apples may be cheaper than bulk apples,” Osteen said. “Bagged salads will cost you more than buying the ingredients separately. Most grocery stores post the price per ounce, pound or other unit of measurement. The largest size of a product may not always be the cheapest. However, don’t buy more than you’ll use. If you end up throwing things out, you’ve wasted your money, no matter how good the deal was to begin with. Additionally, if you find that you have accumulated too many grocery items, skip a shopping trip and plan your week’s meals around what you have on hand. This saves money and time.”
Eating out is another way consumers can let spending get out of control. Make an effort to cut back on eating out, drive-through dining and food delivered to the home.
“If you must eat out, try doing so at lunch time to take advantage of lunch specials and lower prices,” Osteen said. “Instead of going out for lunch everyday at work, bring lunch from home. Spending just $2 per day on a home-made lunch versus $6 per day on a sandwich shop can save you nearly $1,000 per year.”
Many consumers stop by a coffee shop on their way to work for a latte or cappuccino. This $4 per day habit adds up to more than $1,000 per year. Invest in a good-quality machine and make your own coffee at home or at work.
“There are some expenditures families can do without, but groceries are always needed,” Osteen said. “Taking some time to plan menus and curbing eating out can help keep your budget on track.”
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Save Money: Food

2008-07-12T04:11:00.000-07:00

Tactics for Stretching Your Food Dollar

SEARCY, Ark. -- Food prices continue to rise and all of us need to watch how we spend our food dollar.
"Did you know that you can stretch your food dollar at the grocery store, but still buy food that tastes good and is good for you?" asks Katie Cobb, White County extension agent with the University of Arkansas Division of Agriculture. "With careful planning and preparation, you can stretch your money farther than you thought possible."
Cobb offers these suggestions for each trip to the grocery store:
***Avoid buying convenience foods, which are more expensive than made-from-scratch meals. ***Buy low-cost foods such as dry beans and peas, in-season fresh fruits and vegetables, and regular rice and potatoes instead of instant.
***Remember portion size when buying meat. One serving of cooked meat is about the size of a deck of cards.
***Buy whole chickens and turkeys, which are less expensive than pre-cut ones.
***Buy large packages of meats and divide them into meal portions for the freezer.
***Check the grocery store’s lower shelves for better buys since the most expensive items will be at eye level. Cobb continues with additional tips for stretching meat dollars.
***Remember that we need about 5-6 ounces of meat or other protein each day as a part of a balanced diet.
***Select high protein foods such as kidney beans, chickpeas or peanut butter. These substitutes are healthy and less expensive than meat.
***Stretch meatloaf or meatballs by mixing ground meat with whole grain bread, brown rice or barley or grated vegetables, including carrots, onions or zucchini. "Plan out a week’s worth of menus, make your grocery list, stick to your list, and plan out preparation strategies such as cooking the brown rice and chopping the vegetables the night before, taking frozen food out of the freezer the night before to thaw in the refrigerator or soaking the beans," Cobb said.
For more information about stretching your food dollar, contact your county extension agent or visit http://www.uaex.edu/ and select Families & Consumers, then Money. The Cooperative Extension Service is part of the U of A Division of Agriculture.
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Save Money: Coupons

2008-07-12T04:10:00.000-07:00

Coupons Still Offer Big Savings
LOGAN, Utah -- Coupons save consumers nearly $3 billion annually. Approximately 76 percent of the population uses coupons, with an average savings of 11.5 percent on grocery costs. Yet consumers used less than 1 percent of available coupons in 2005. Consider these suggestions to make using coupons work for you.
***Buy only those items that you normally select for your family. Just because you have a coupon doesn’t mean you have to use it. Don’t allow coupons to cause you to buy on impulse. ***Comparison shop. Don’t assume bigger is better. It may be less expensive to buy two smaller items with coupons than one larger item. If a coupon is good for any size, the smaller size is generally a better buy.
***Try different brands. This will expand the coupons you are able to use and may introduce you to new products you like.
***Know store policies on such things as “buy one get one free” or 10-for-10 pricing. Does the store match competitors’ prices and/or coupons? Do they have double coupon days? Can a manufacturer’s coupon be used with a store coupon?
***Find a coupon organizational system that works for you. Some shoppers organize coupons according to store layout. Some clip coupons only for items they use. Others put the entire ad in a binder. Do what works best for you.
***Always take your coupons when you shop. There may be closeouts or other specials not listed in the store’s ads.
***Remember that even coupons for small amounts add up quickly if they are for items you use regularly.
***For additional savings, combine coupons with rebates, combine manufacturer and store “buy one get one free” coupons and use coupons on seasonal promotions and closeouts. Using these methods, some items can be free.
***Look for discounts on prescriptions. Many pharmacies offer a discount with multiple refills. New or transferred prescriptions may receive discounts or gift cards. Know your insurance coverage. It may cost as much for a several-month supply as a one- month supply. Check drug manufacturers’ Web sites for rebates, or visit http://www.optimizerx.com/.
***Don’t forget to look for discounts on such things as home repairs, yard work, dry cleaning, photo developing, fitness centers, restaurants, car repairs and travel.
***Avoid paying for coupons. In addition to newspapers, magazines, mailers, store ads and displays and product packages, many Web sites offer printable coupons. Some include: http://www.smartsource.com/ http://www.boodle.com/ http://www.coolsavings.com/ http://www.livingcheap.com/ http://www.mycoupons.com/ http://www.coupons.com/ http://www.currentcodes.com/ http://www.coupons-coupon-codes.com/ http://www.allfreecoupons.com/ Search the Internet to find additional sites that offer coupons.
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Save Money: Fuel Cost

2008-07-12T04:09:00.000-07:00

Try These Tips for Fuel Cost Savings

FARGO, N.D. -- With the rising cost of fuel, many people are looking for ways to make their vehicles more efficient.
“There are a number of simple things to do to save a few dollars on your fuel budget,” says Carl Pedersen, North Dakota State University Extension Service energy educator. “All vehicles are different and will experience various levels of savings, but there are a few of the basics that work for all types of cars and trucks.”
Here are some of the ways you can lower your fuel costs:
***Make sure your air filter is clean. Clogged air filters make your engine work harder, burning more fuel to create the same amount of power. Replacing a clogged air filter can save up to 10 percent on fuel costs, or up to 35 cents a gallon.
***Check the air pressure on your tires. Tires that aren’t inflated to the proper level may reduce mileage per gallon as much as 3 percent. Properly inflated tires also last longer and are safer for you and your family. Paying attention to tire pressure could save you up to 10 cents per gallon. Overinflating a tire results in uneven tire wear.
***Slow down. Most vehicle mileage drastically begins to drop off at speeds in excess of 60 mph. As a general rule, every 5 miles an hour in excess of 60 mph is costing you an extra 20 cents a gallon.
***Calm down. Aggressive driving, rapid acceleration and braking can affect fuel mileage. By avoiding such behavior, you can see savings up to 30 percent. That could be a savings of more than $1 per gallon.
***Remove extra weight. Those bags of traction sand you left in the bed of the truck or trunk are reducing your mileage. Extra weight will affect smaller cars more than larger vehicles, but removing extra weight, especially in excess of 100 pounds, can improve mileage from 4 cents to 7 cents a gallon.
***Car pool. Combining trips with friends, family or co-workers not only saves gas money, but wear and tear on vehicles as well.
***Be leery of “gas-saving” claims. The U.S. Environmental Protection Agency has tested more than 100 fuel-saving products and has found none that significantly improve fuel mileage. In fact, a number of them actually caused damage to the engines in which they were used.
***Make sure your car is maintained according to manufacturers’ recommendations. Driving a car with the check engine light on or one that obviously is not running properly can affect mileage drastically. An improperly functioning oxygen sensor can make the engine use as much as 40 percent more fuel. At $3.51 per gallon, that would be the equivalent of paying an extra $1.40 for every gallon of gas used.
***Reduce extra wind resistance. Using a loaded roof rack increases fuel consumption.
***If you are in the market for a new vehicle, choose one that is more fuel efficient. According to the federal government Web site http://www.fueleconomy.gov/, a person driving 15,000 miles a year can realize a savings of $878 per year by driving a vehicle that gets 30 miles per gallon versus one that gets 20 mpg. That is a savings of more than $4,388 in five years.
For more tips on cutting your fuel costs, visit these Web sites:
http://agbiopubs.sdstate.edu/articles/ExEx14094.pdf http://www.fueleconomy.gov/feg/drive.shtml http://www.ftc.gov/ftc/oilgas/archive/061013.htm
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Save Money: Any Way You Can

2008-07-07T18:37:00.000-07:00

Save Money Any Way You Can

MURFREESBORO, Ark. -- Saving money can be difficult for many people.
"If you’re trying to save money, start with direct deposit," says Robbie McKinnon, Pike Count extension agent with the University of Arkansas Division of Agriculture. "If the money goes straight into my account without me ever seeing it, I’m much more likely to save."
Tax refund checks are the front of everyone’s mind. The IRS can people save by having the refund check directly deposited into an account.
"The IRS will allow for refund checks to go into up to three separate accounts," McKinnon says.
McKinnon says consumers can also save money while they’re purchasing goods or service.
"First, save money by comparison shopping. Many times, you can purchase the generic brand of the same item without sacrificing quality. Second, select a free checking account or one with no minimum balance requirement. Also, request a complete list of fees associated with the account, including ATM and debit card fees."
To earn the highest return on savings with little or no risk, consider certificates of deposit or a United States savings bond, either series I or EE.
Late fees associated with credit card payments can take out a big chunk out of the budget. Avoid these fees and send in the payment at least seven days before the statement due date. A late payment on one card can increase fees and interest rates on others. Avoid interest charges by paying off the bill each month. If you’re unable to pay off the balance, pay as much as you can. Shift the remaining balance to a card with a lower annual percentage rate. Consider using your tax refund to pay off the balance of the card with the highest interest rate. In the long run, you’ll save more by not paying the fees accumulating on the card.
When buying a car, pay with cash or make a large down payment. These two tips will save several thousand dollars in finance charges. Get the shortest term loan possible and this will lower the interest rate. Getting a rate quote or pre-approved loan from a bank or credit union rather than dealer financing can save as much as $1,000 in finance charges.
Save tens of thousands of dollars in interest charges by shopping for the shortest-term mortgage you can afford. For each $100,000 borrowed at seven percent annual percentage rate, you can save $75,000 in interest on a 15-year fixed rate loan than on a 30-year fixed rate loan.
Plan smart to save money on home repairs. Choose a licensed contractor and have them submit a written, fixed price bid. Don’t sign a contract requiring full payment before work is completed.
If home repairs include new appliances, read Consumer Reports for up-to-date information on brands, pricing and quality. Also, look for the yellow Energy Guide label and choose appliances earning the government’s ENERGY STAR, which can save up to 50% in energy use. Be sure to compare prices and get the best deal possible.
You can save hundreds of dollars a year by shopping at lower-priced food stores. You will spend less on food shopping with a list, taking advantage of sales and purchasing basic ingredients. Pre-packaged and ready-made items tend to cost a little more. Compare price-per-ounce or other unit prices on shelf labels.

For more information on saving money, including a new program called Arkansas Saves, visit http://www.uaex.edu/. The Cooperative Extension Service is part of the U of A Division of Agriculture.

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Shopping from Home: General Tips

2008-06-18T17:53:00.000-07:00

Shopping from Home - General Tips

You can order all kinds of things from the comfort of your home using the telephone, mail, or a computer. But along with this convenience come common complaints of late delivery, shipment of wrong or damaged items, and hidden costs. To avoid problems and to make it easier to resolve them:
***Be wary of post office boxes and sellers in other countries. It may be difficult to find the seller to resolve a problem later.
***Know the total price. Make sure it includes all charges, shipping, handling, insurance and taxes. Coupons and other discounts should be properly deducted.
***Make sure you are clear on what you are buying. Watch for words like "refurbished," "reconditioned," "close-out," or "discontinued."
***Give your credit card, debit card, or bank account number only if you're using that account to pay, never to prove your identity.
***Keep a record of your purchase. Keep track of what you ordered, when, the price, and how you paid (check, money order, charge, etc.). Also save any information the seller gives you such as product description, delivery date, cancellation policy, privacy policy, warranties, and order confirmation numbers.
***Keep track of your order. If it's late, see: Your Rights: Shopping from Home.
Beware: Charitable Giving
Investigate before you donate. Some con artists use names similar to well-known charities or pretend to raise money for state or local law enforcement agencies.
***Ask for written information, including how much of the money raised is actually used for charitable purposes.
***Ask your Secretary of State if the charity is registered to solicit in your state. Check the Better Business Bureau and others for information on charities:
http://www.give.org/,
http://www.charitywatch.org/, and
http://www.guidestar.org/. See also Youth Peddling.
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Buying Tips: Before You Buy

2008-06-18T17:25:00.000-07:00

General Buying Tips - Before You Buy
To avoid problems and make better decisions, use this checklist BEFORE you make a purchase.
***Decide in advance exactly what you want and what you can afford.
***Don’t buy on impulse or under pressure. This includes donating to charity. Do your research.
***Ask family, friends and others you trust for advice based on their experience. Gather information about both the seller and the item or service you are purchasing. ***Review product test results and other information from consumer experts.
***Get advice and price quotes from several sellers.
***Make sure that the seller has all appropriate licenses. Doctors, lawyers, home improvement contractors and many other service providers must register with a state or local licensing agency.
***Check out a company’s complaint record with your local consumer affairs office and Better Business Bureau.
***Get a written copy of guarantees and warranties. Compare their features.
***Get the seller’s refund, return and cancellation policies.
***Ask who to contact if you have a question or problem.
***Read and understand any contract or legal document you are asked to sign. Make sure there are no blank spaces. Insist that any extras you are promised be put in writing.
***Consider paying by credit card. If you have a problem, you can dispute a charge made on your credit card.
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Two

2008-06-01T17:42:00.000-07:00

One.....Two.....Three.........
Two is a very important numeric. Why?
In our world everything divide in two opposite sides such as:
Coin....................Head and Tails
Colour............... Black and White
Act..................... Good and Bad
Emotion.......... Happy and Sad
Speed.................. Fast and Slow
Intelligence.... Clever and Stupid
Job ................Success and Fail
Status................ Rich and Poor
and etc..............

What sides you would like to choose?

How to go that side?...........Depend on You
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Jokes : Condoms In Boxs

2008-05-10T04:56:00.000-07:00

A man walks into a drug store with his 13 years old son. They happen to walk by the condom display, and the boy asks.
"What are these, Dad?" To which the man matter-of-factly replies,
"Those are called condoms, son...Men use them to have safe sex."
"Oh, I see," replied the boys pensively.
"Yes, I've heard of that in health class at school."
He looks over the display and picks up a package of 3 and asks.
"Why are there 3 in this package." The Dad replies.
"Those are for high school boys. One for Friday, one for Saturday and one for Sunday."
"Cool!" says the boy. He notices a 6 pack an asks.
"Then who are these for?"
"Those are for college boys." the Dad answers.
"Two for Friday, two for Saturday and two for Sunday."
"Wow!" exclaimed the boy. "then who uses these?"
He asks, picking up a 12 pack. With a sigh, the Dad replied,
"Those are for married men.
One for January, one for February, one for March..........
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Jokes : I Will Always Love You

2008-05-09T04:59:00.000-07:00

A life-Long prisoner broke the jail he has lived for 25 years. During his escape, he went to a house while husband and wife who own the house were sleeping. He tied the wife up on a bed while the husband was tied with a chair down the floor.
In the dark, the husband saw the bad guy jumped up the bed and kissed his wife before leaving the room.
"My dear" The husband calls his wife, he says.
"The bastard must have not seen women for a long time. I guess, I saw him kissing you". "Now! he may find something he wants." "Dear, you must be patient and let the bad guy do what he wants to save your life, I will always love you!"
"Oh....honey, I am very appreciated for what you said."
The wife said with her impressive feeling toward her husband. She continues.
"You are right about he has not seen women for a long time but he didn't kiss me. Actually, he was whispering to me that you are very lovely and would be finding some vasaline."
"Be Strong, dear!"
"I will always love you."
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Jokes: American History

2008-05-06T17:23:00.000-07:00

It was the first day of school in Dallas and a new student named Honda, the son of a Japanese businessman, entered the fourth grade. The teacher said. "Let's begin by reviewing some American history. Who said. "Give me Liberty, or give me Death?"
She saw a sea of blank faces, except for Honda, who had his hand up
"Patrick Henry, 1775" He said
"Very good! Who said, Government of the people, by the people, for the people, shall not perish from the earth?"
Again, no response except from Honda! : "Abraham Lincoin, 1863" said Honda.
The teacher snapped at the class. "Class, you should be ashamed.
Honda, who is new to our country, knows more about its history than you do."
She heard a loud whisper : "Screw the Japs."
"Who said that?" She demanded angrily.
Honda put his hand up. "Lee Iacocca 1982."
At that point, a student in the back said, "I gonna puke "
Without patience, the teacher glares and asks "All right! Now, whe said that?"
Again, Honda say, "George Bush to the Japanese Prime Minister, 1991."
Now furious, another student yells, "Oh yeah? Suck this!"
Honda jumps out of his chair waving his hand and shouts to the teacher,
"I know"
"Bill Clinton, to Monica Lewinsky, 1997!"
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Jokes : Anthrax

2008-05-06T05:20:00.000-07:00

A T.V. girl went to interview a farm owner to collect information regarding the cause of Antraex diseaase.
She asked the farm owner "Hello... we come to find out some information about the cause of Anthrax. Do you have any ideas of what may be the cause?"
The farmer looked at her and said "Do you know that actually a bull will breed with his mate only once a year?"
The T.V. girl looks shy then answerd, "Hmm......that was an interesting information....but I see nothing with Anthrax, right?
The farmer said, "Oh......do you know that we milk a cow 4 times a day here?"
The girl get doubtful and said, "Well....that's another good information but why don't we get straight to the point?"
The farmer is getting angry and said, "I said it to the point...Think about this baby, if I play around your breast 4 times a day buy f.......you once a year."
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Jokes : Poor Hair Style

2008-05-05T04:49:00.000-07:00

Joe move into a nudist colony. He receives a letter from his mother asking him to send her a current picture. Too embarrassed to let her know that he lives in a nudist colony, he cuts one in half and sends her the top part.
Later Joe receives another letter asking him to send a picture to his grandmother. He cuts another picture in half, but accidentally sends the bottom half ! He is really worried when he realizes that he sent the wrong part, but then remembers how bad his grandmother's eye sight is and hopes she won't notice.
A few weeks later, Joe receives a letter from his grandmother.
It says. "Thank you for the picture my dear, please change your hairstyle......................
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Meaning of words wonder

2008-05-03T04:20:00.000-07:00

words mean is a unit of language that carries meaning and consists of one or more morphemes which are linked more or less tightly together, and has a phonetical value. Typically a word will consist of a root or stem and zero or more affixes. Words can be combined to create phrases, clauses, and sentences. A word consisting of two or more stems joined together form a compound. A word combined with another word or part of a word form a portmanteau.

wonder mean to be filled with admiration, amazement, or awe; marvel
So when it adds together mean words that can make someone feels good or bad, happy or sad, positive or negative.
When you feel bad, What words will make you good?
When you feel sad, What words will make you happy?
When you feel negative, What words will make you positive?
The ancient Chinese compared the words valued like a gold.
Don't use words hurt other people but use them help the people so our world will full of peace and Happiness.
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