Frugal Living: Mar 1, 2008

Saturday, March 1, 2008

25 new messages in 13 topics - digest

misc.consumers.frugal-living
http://groups.google.com/group/misc.consumers.frugal-living?hl=en

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: How Will You All Adapt to $4.00 per gallon gasoline?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/27e47bb40833e110?hl=en
==============================================================================

== 1 of 9 ==
Date: Sat, Mar 1 2008 11:59 am
From: max

In article <Xns9A5476BDEFF0DSMH1960@207.115.33.102>,
SMH <smh@munged.address.com> wrote:

>
> When gasoline hits $4 per gallon as all the experts have been saying for
> weeks and to which one prominent politician has been completely oblivious,
> how will you adapt to it?
>
> Were you all pretty much expecting it?
>
> With bad economies, people tend to lose their jobs to layoffs! What plans
> do you have? Do you fear for your employment?

actually, i fear greatly for my job as they're going to lay off 10% of
my coworker (and nobody know's who's on the block, including me), but it
has less to do directly with the current economic situation and more to
do with the US' general retreat from science, research and development
and academic or intellectual excellence.

in fact, i'm on furlough now (no work, no pay, no vacation $).

.max

--
This signature can be appended to your outgoing mesages. Many people include in
their signatures contact information, and perhaps a joke or quotation.

== 2 of 9 ==
Date: Sat, Mar 1 2008 1:03 pm
From: "Rod Speed"

SMH <smh@munged.address.com> wrote:

> When gasoline hits $4 per gallon as all the experts have been
> saying for weeks and to which one prominent politician has
> been completely oblivious, how will you adapt to it?

Wont change at all, just keep using the economical car just like I do now.

> Were you all pretty much expecting it?

That its likely to increase over time, yes.

> With bad economies, people tend to lose their jobs to layoffs!

Have fun explaining how the unemployment rate has stayed at 4.x%

> What plans do you have?

Like I said, dont plan to do anything different.

> Do you fear for your employment?

Nope.

== 3 of 9 ==
Date: Sat, Mar 1 2008 4:00 pm
From: Samantha Hill - take out TRASH to reply

SMH wrote:
> When gasoline hits $4 per gallon as all the experts have been saying for
> weeks and to which one prominent politician has been completely oblivious,
> how will you adapt to it?

I use less than 5 gallons of gas a week, so it's not going to bother me
that much.

== 4 of 9 ==
Date: Sat, Mar 1 2008 4:12 pm
From: val189

A tank lasts me about 5 weeks, so I'm not sweating it too much. I'm
getting about 32 city, 39 highway. However, a long road trip is
probably going to be canceled -

== 5 of 9 ==
Date: Sat, Mar 1 2008 4:39 pm
From: gheston@hiwaay.net (Gary Heston)

In article <Xns9A5476BDEFF0DSMH1960@207.115.33.102>,
SMH <smh@munged.address.com> wrote:

>When gasoline hits $4 per gallon as all the experts have been saying for
>weeks and to which one prominent politician has been completely oblivious,
>how will you adapt to it?

I live 3.3 miles from work. It's not a big concern for me.

>Were you all pretty much expecting it?

Everytime Gulfstream opens another production facility, the price goes up
to cover all the new jets the corporate management orders.

>With bad economies, people tend to lose their jobs to layoffs! What plans
>do you have? Do you fear for your employment?

No worries; the network will still need to be administered.

Gary

--
Gary Heston gheston@hiwaay.net

http://www.thebreastcancersite.com/

We live in amazing times, when one person can invent both the Internet
and global warming, then get awarded a "peace prize".

== 6 of 9 ==
Date: Sat, Mar 1 2008 4:59 pm
From: Al Bundy

On Mar 1, 2:40 pm, SMH <s...@munged.address.com> wrote:
> When gasoline hits $4 per gallon as all the experts have been saying for
> weeks and to which one prominent politician has been completely oblivious,
> how will you adapt to it?
>
> Were you all pretty much expecting it?
>
> With bad economies, people tend to lose their jobs to layoffs! What plans
> do you have? Do you fear for your employment?

I spend less on gas now than when it was $2. I cut out driving by
consolidating trips, biking and walking. The bonus of saving on
maintenance has been quite noticeable too. It would be hard to go back
to the old ways. I believe if others conserved, the demand would be
reduced enough to help prices. That's not going to happen where I live
at least. My neighbors keep spending like there is no tomorrow.
Escalades and Denalis are everywhere. When I drove my old former car
to pick up the kids at school, the security guard came over to check
me out. He thought I was from the really big city to the east. No
poverty in these parts (locally).

== 7 of 9 ==
Date: Sat, Mar 1 2008 7:34 pm
From: Shawn Hirn

In article <Xns9A5476BDEFF0DSMH1960@207.115.33.102>,
SMH <smh@munged.address.com> wrote:

> When gasoline hits $4 per gallon as all the experts have been saying for
> weeks and to which one prominent politician has been completely oblivious,
> how will you adapt to it?
>
> Were you all pretty much expecting it?
>
> With bad economies, people tend to lose their jobs to layoffs! What plans
> do you have? Do you fear for your employment?

The security of my job is not dependent on the price of gas and I drive
a Prius which averages around 40MPG. Only a fool didn't expect gas
prices to climb. After all, the oil industry has a puppet doing their
bidding in the White House.

== 8 of 9 ==
Date: Sat, Mar 1 2008 8:19 pm
From: "Dave"

> a Prius which averages around 40MPG. Only a fool didn't expect gas
> prices to climb. After all, the oil industry has a puppet doing their
> bidding in the White House.

You saying the puppet in the white house is billions of years old? Or
perhaps you think he's got a time machine? That puppet in the white house
has no control over the dwindling supply of a non-renewable asset,
oron. -Dave

== 9 of 9 ==
Date: Sat, Mar 1 2008 8:45 pm
From: George Grapman

Dave wrote:
>> a Prius which averages around 40MPG. Only a fool didn't expect gas
>> prices to climb. After all, the oil industry has a puppet doing their
>> bidding in the White House.
>
> You saying the puppet in the white house is billions of years old? Or
> perhaps you think he's got a time machine? That puppet in the white
> house has no control over the dwindling supply of a non-renewable asset,
> oron. -Dave
No, but he could jawbone OPEC to lower prices.

==============================================================================
TOPIC: ANYONE NEED CASH FOR THOSE NOTES?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9aeda6536e2df4ec?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 1:53 pm
From: "Mrs. B" <1972Diva@gmail.com>

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==============================================================================
TOPIC: Credit Repairs
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9edff11dce8390c6?hl=en
==============================================================================

== 1 of 4 ==
Date: Sat, Mar 1 2008 2:12 pm
From: clams_casino

George Grapman wrote:

> Here is some better information:
>
>
> http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm
>
>
>

There's much in the news about home owner's walking away from their
homes. Are they filing for bankruptcy or just refusing to make any
more payments? Can't the bank go after them in a few years? Is there
some type of limitation for a bank (or other lender) to collect?

== 2 of 4 ==
Date: Sat, Mar 1 2008 3:56 pm
From: George Grapman

clams_casino wrote:
> George Grapman wrote:
>
>> Here is some better information:
>>
>>
>> http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm
>>
>>
>>
>
> There's much in the news about home owner's walking away from their
> homes. Are they filing for bankruptcy or just refusing to make any
> more payments? Can't the bank go after them in a few years? Is there
> some type of limitation for a bank (or other lender) to collect?
My understanding is that unless you file for bankruptcy or they wait
too long to sue they can keep dunning you. After 7 years a bad debt
vanishes from your credit file but they can still pursue it.

== 3 of 4 ==
Date: Sat, Mar 1 2008 4:35 pm
From: clams_casino

George Grapman wrote:

> clams_casino wrote:
>
>> George Grapman wrote:
>>
>>> Here is some better information:
>>>
>>>
>>> http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm
>>>
>>>
>>>
>>
>> There's much in the news about home owner's walking away from their
>> homes. Are they filing for bankruptcy or just refusing to make
>> any more payments? Can't the bank go after them in a few years?
>> Is there some type of limitation for a bank (or other lender) to
>> collect?
>
> My understanding is that unless you file for bankruptcy or they wait
> too long to sue they can keep dunning you. After 7 years a bad debt
> vanishes from your credit file but they can still pursue it.

So what's the advantage of walking from a mortgage? I've heard of
houses being vandalized into destruction and/or being resold for a
fraction of what they are worth leaving the original owner even more
behind in what they owe the lender. Walking seems like a no win
situation. Best may be to stay until evicted.

== 4 of 4 ==
Date: Sat, Mar 1 2008 4:56 pm
From: George Grapman

clams_casino wrote:
> George Grapman wrote:
>
>> clams_casino wrote:
>>
>>> George Grapman wrote:
>>>
>>>> Here is some better information:
>>>>
>>>>
>>>> http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm
>>>>
>>>>
>>>>
>>>
>>> There's much in the news about home owner's walking away from their
>>> homes. Are they filing for bankruptcy or just refusing to make
>>> any more payments? Can't the bank go after them in a few years?
>>> Is there some type of limitation for a bank (or other lender) to
>>> collect?
>>
>> My understanding is that unless you file for bankruptcy or they wait
>> too long to sue they can keep dunning you. After 7 years a bad debt
>> vanishes from your credit file but they can still pursue it.
>
>
>
> So what's the advantage of walking from a mortgage? I've heard of
> houses being vandalized into destruction and/or being resold for a
> fraction of what they are worth leaving the original owner even more
> behind in what they owe the lender. Walking seems like a no win
> situation. Best may be to stay until evicted.

My guess is the same reason some renter move when they get an
eviction notice. They figure they have to leave and better to do it on
their schedule than on the banks.

==============================================================================
TOPIC: Times: Penniless pilgrim's walk to India falls foul of the French
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/59466fa9ac46075f?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 2:13 pm
From: Ishtar

Go easy on him. He's on a learning curve.

Replacing money with barter is hardly going to change anything much.

It goes much deeper than that.

There are ten *Forbidden Subjects* which nobody will touch.

-Pete
"I Still Miss Someone"
http://www.network54.com/Forum/57466/thread/1193285565/last-1193285565/I+Still+Miss+Someone
======================================================================================

==============================================================================
TOPIC: Grocery Costs
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/dc691accd9fbdd4c?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 2:15 pm
From: clams_casino

val189 wrote:

>
>Don't forget to figure in your eating out costs. Have your dining out
>habits changed?
>Or have you added any pets to the family? More entertaining?
>
>

Actually, the cost of sunflower seeds went up from about $14 / 50 lbs
last year to $22 this year, although that does not get included in our
grocery costs.

==============================================================================
TOPIC: Save Money by Swapping Stuff Online
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6f4799fed80616d4?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Mar 1 2008 3:40 pm
From: Phil

Save some money by trading or swapping your stuff with other people
online. It has Ebay-like features and many categories to swap from.

And yes, it's all FREE to signup and swap.

http://www.swaptreasures.com

Enjoy and happy swapping!
- Phil

== 2 of 2 ==
Date: Sat, Mar 1 2008 3:47 pm
From: clams_casino

Phil wrote:

>Save some money by trading or swapping your stuff with other people
>online. It has Ebay-like features and many categories to swap from.
>
>
>

Cool. Under top five members, it lists three members.

Not too popular, is it?

Or is that why you continue to spam this onto numerous newsgroups?

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TOPIC: Free sample of POSITIVELY AGELESS(tm) Lifting & Firming NIGHT CREAM...
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/43ef975914bb7870?hl=en
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TOPIC: Stop war on Indo-Europeans
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/22b30f5251097f92?hl=en
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== 1 of 1 ==
Date: Sat, Mar 1 2008 5:11 pm
From: haber14@lycos.com

http://www.youtube.com/watch?v=APpRES2wcWA&feature=related

Watch and think.

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==============================================================================
TOPIC: loss of eBay account
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/fe47c7ab29a18224?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 5:33 pm
From: Al Bundy

On Feb 29, 5:16 pm, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
> oligo...@gmail.com wrote:
> >Looking for ways to save money on your wedding?
>
> You do realize eBay may cancel your account if they receive a few
> complaints of your spamming newsgroups which is against eBay rules.

She probably does, but she only has this one used dress, size 4
(supposedly) to unload. That's the last time she would ever see a size
four without another digit in front of it anyway. She's willing to
take the chance on what they used to call in marketing school, "The
bigger fool theory."

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21 | Air Jordan Retro I II III IV V VI VII VIII IX X XI XII XIII XIV
XV XVI XVII XVIII XIX XX XXI Sneaker Seller Trainer Suppliers
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Shoes T Mac 3.5 4.5 5 6 Series Basketball Shoes Produce Burberry
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（www.clothserver-yhnetstore.cn/）
8.Our marketing to USA America US United States UK England United
Kingdom IT Italy NT Netherlands China Chinese, Germany DE Greece GR
France FR Spain Portugal Switzerland Switzerland Brazil Chile Peru
(www.clothserver-yhnetstore.cn/ )professionally wholesale sports shoes
from
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(nike,puma,adidas,Jordan 1-24,nike max,nike shox,nike dunk,nike
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area
and so on.
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（www.clothserver-yhnetstore.cn/）
10.EUR Size:
Womens Shoes Sizes | 35 35.5 36 37 37.5 38 39 39.5 40, Mens Sizes |
41
41.5 42 42.5 43 43.5 44 45 46.
USA Size:
Women's shoes sizes | 4 5 5.5 6 7 8 8.5, Men's shoes sizes | 8 8.5 9
9.5 10 10.5 11 11.5 12 13 13.5.
U.K Size:
women sizes | 5 5.5 6.5 7 8 8.5 9, man size | 8 8.5 9 9.5 10 10.5 11
12 13

==============================================================================
TOPIC: ClassySinglesOnline.com - Online Dating Made Easy - ***NEW SITE LAUNCH!*
** (100% FREE DATING SITE!)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e616510fc04d9010?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 7:17 pm
From: ClassySinglesOnline@gmail.com

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==============================================================================
TOPIC: FREE child's tableware set...
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f23af132a816e208?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 7:44 pm
From: lightninsurf

http://www.freestuffestore.com/new.html
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Have a great day!
Happy freebie hunting!
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==============================================================================

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Google Groups: http://groups.google.com?hl=en

25 new messages in 20 topics - digest

misc.consumers.frugal-living
http://groups.google.com/group/misc.consumers.frugal-living?hl=en

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: http://shopest.web27.bootchina.com - wholesaler sport shoes,clothing,
electronic mobile phone china shop ,low price.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5cadd4d7a3846c7b?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 12:50 am
From: shopest001@hotmail.com

(http://shopest.web27.bootchina.com/)
msn:shopest@hotmail.com
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== 1 of 3 ==
Date: Sat, Mar 1 2008 1:05 am
From: "nikki4001@gmail.com"

Hey!

Click Here
http://credityrepairs.blogspot.com/

By law, credit repair organizations must give you a copy of the
"Consumer Credit File Rights Under State and Federal Law" before you
sign a contract. They also must give you a written contract that
spells out your rights and obligations. Read these documents before
you sign anything. The law contains specific protections for you. For
example, a credit repair company cannot: - make false claims about
their services - charge you until they have completed the promised
services - perform any services until they have your signature on a
written contract and have completed a three-day waiting period. During
this time, you can cancel the contract without paying any fees

Click on the below link and learn more about Credit Repair
http://credityrepairs.blogspot.com/

== 2 of 3 ==
Date: Sat, Mar 1 2008 1:05 am
From: "nikki4001@gmail.com"

Hey!

Click Here
http://credityrepairs.blogspot.com/

Click on the below link and learn more about Credit Repair
http://credityrepairs.blogspot.com/

== 3 of 3 ==
Date: Sat, Mar 1 2008 7:50 am
From: George Grapman

Here is some better information:

http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm

Facts for Consumers

* PDF Format
*

* Email

Credit Repair: Self Help May Be Best

You see the advertisements in newspapers, on TV, and on the Internet.
You hear them on the radio. You get fliers in the mail. You may even get
calls from telemarketers offering credit repair services. They all make
the same claims:

* "Credit problems? No problem!"
* "We can erase your bad credit -- 100% guaranteed."
* "Create a new credit identity -- legally."
* "We can remove bankruptcies, judgments, liens, and bad loans from
your credit file forever!"

Do yourself a favor and save some money, too. Don't believe these
statements. Only time, a conscious effort, and a personal debt repayment
plan will improve your credit report.
This brochure explains how you can improve your creditworthiness and
gives legitimate resources for low or no-cost help.
The Scam

Everyday, companies nationwide appeal to consumers with poor credit
histories. They promise, for a fee, to clean up your credit report so
you can get a car loan, a home mortgage, insurance, or even a job. The
truth is, they can't deliver. After you pay them hundreds or thousands
of dollars in fees, these companies do nothing to improve your credit
report; most simply vanish with your money.
The Warning Signs

If you decide to respond to a credit repair offer, look for these
tell-tale signs of a scam:

* companies that want you to pay for credit repair services before
they provide any services.
* companies that do not tell you your legal rights and what you can
do for yourself for free.
* companies that recommend that you not contact a credit reporting
company directly.
* companies that suggest that you try to invent a "new" credit
identity -- and then, a new credit report -- by applying for an Employer
Identification Number to use instead of your Social Security number.
* companies that advise you to dispute all information in your
credit report or take any action that seems illegal, like creating a new
credit identity. If you follow illegal advice and commit fraud, you may
be subject to prosecution.

You could be charged and prosecuted for mail or wire fraud if you use
the mail or telephone to apply for credit and provide false information.
It's a federal crime to lie on a loan or credit application, to
misrepresent your Social Security number, and to obtain an Employer
Identification Number from the Internal Revenue Service under false
pretenses.
Under the Credit Repair Organizations Act, credit repair companies
cannot require you to pay until they have completed the services they
have promised.
The Truth

No one can legally remove accurate and timely negative information from
a credit report. The law allows you to ask for an investigation of
information in your file that you dispute as inaccurate or incomplete.
There is no charge for this. Everything a credit repair clinic can do
for you legally, you can do for yourself at little or no cost. According
to the Fair Credit Reporting Act (FCRA):

* You're entitled to a free report if a company takes adverse
action against you, like denying your application for credit, insurance,
or employment, and you ask for your report within 60 days of receiving
notice of the action. The notice will give you the name, address, and
phone number of the consumer reporting company. You're also entitled to
one free report a year if you're unemployed and plan to look for a job
within 60 days; if you're on welfare; or if your report is inaccurate
because of fraud, including identity theft.
* Each of the nationwide consumer reporting companies -- Equifax,
Experian, and TransUnion -- is required to provide you with a free copy
of your credit report, at your request, once every 12 months.
The three companies have set up a central website, a toll-free
telephone number, and a mailing address through which you can order your
free annual report. To order, click on annualcreditreport.com, call
1-877-322-8228, or complete the Annual Credit Report Request Form and
mail it to: Annual Credit Report Request Service, P.O. Box 105281,
Atlanta, GA 30348-5281. You can print the form from
ftc.gov/bcp/conline/edcams/credit/ . Do not contact the three nationwide
consumer reporting companies individually. They are providing free
annual credit reports only through annualcreditreport.com,
1-877-322-8228, and Annual Credit Report Request Service, P.O. Box
105281, Atlanta, GA 30348-5281. You may order your reports from each of
the three nationwide consumer reporting companies at the same time, or
you can order your report from each of the companies one at a time. For
more information, see Your Access to Free Credit Reports at
ftc.gov/bcp/conline/edcams/credit/ .
Otherwise, a consumer reporting company may charge you up to
$9.50 for another copy of your report within a 12-month period.
* You can dispute mistakes or outdated items for free. Under the
FCRA, both the consumer reporting company and the information provider
(that is, the person, company, or organization that provides information
about you to a consumer reporting company) are responsible for
correcting inaccurate or incomplete information in your report. To take
advantage of all your rights under this law, contact the consumer
reporting company and the information provider.

STEP ONE

Tell the consumer reporting company, in writing, what information you
think is inaccurate. Include copies (NOT originals) of documents that
support your position. In addition to providing your complete name and
address, your letter should clearly identify each item in your report
you dispute, state the facts and explain why you dispute the
information, and request that it be removed or corrected. You may want
to enclose a copy of your report with the items in question circled.
Your letter may look something like the one on page 6. Send your letter
by certified mail, "return receipt requested," so you can document what
the consumer reporting company received. Keep copies of your dispute
letter and enclosures.

Consumer reporting companies must investigate the items in question --
usually within 30 days -- unless they consider your dispute frivolous.
They also must forward all the relevant data you provide about the
inaccuracy to the organization that provided the information. After the
information provider receives notice of a dispute from the consumer
reporting company, it must investigate, review the relevant information,
and report the results back to the consumer reporting company. If the
information provider finds the disputed information is inaccurate, it
must notify all three nationwide consumer reporting companies so they
can correct the information in your file.

When the investigation is complete, the consumer reporting company must
give you the results in writing and a free copy of your report if the
dispute results in a change. If an item is changed or deleted, the
consumer reporting company cannot put the disputed information back in
your file unless the information provider verifies that it is accurate
and complete. The consumer reportincompany also must send you written
notice that includes the name, address, and phone number of the
information provider. If you request, the consumer reporting company
must send notices of any correction to anyone who received your report
in the past six months. You can have a corrected copy of your report
sent to anyone who received a copy during the past two years for
employment purposes.

If an investigation doesn't resolve your dispute with the consumer
reporting company, you can ask that a statement of the dispute be
included in your file and in future reports. You also can ask the
consumer reporting company to provide your statement to anyone who
received a copy of your report in the recent past. You can expect to pay
a fee for this service.
STEP TWO

Tell the creditor or other information provider, in writing, that you
dispute an item. Be sure to include copies (NOT originals) of documents
that support your position. Many providers specify an address for
disputes. If the provider reports the item to a consumer reporting
company, it must include a notice of your dispute. And if you are
correct - that is, if the information is found to be inaccurate - the
information provider may not report it again.

For more information, see How to Dispute Credit Report Errors at
ftc.gov/bcp/conline/edcams/credit/ .
Reporting Accurate Negative Information

When negative information in your report is accurate, only the passage
of time can assure its removal. A consumer reporting company can report
most accurate negative information for seven years and bankruptcy
information for 10 years. Information about an unpaid judgment against
you can be reported for seven years or until the statute of limitations
runs out, whichever is longer. There is no time limit on reporting:
information about criminal convictions; information reported in response
to your application for a job that pays more than $75,000 a year; and
information reported because you've applied for more than $150,000 worth
of credit or life insurance. There is a standard method for calculating
the seven-year reporting period. Generally, the period runs from the
date that the event took place.

For more information, see Building a Better Credit Report at
ftc.gov/bcp/conline/edcams/credit/ .
The Credit Repair Organizations Act

* make false claims about their services
* charge you until they have completed the promised services
* perform any services until they have your signature on a written
contract and have completed a three-day waiting period. During this
time, you can cancel the contract without paying any fees

Your contract must specify:

* the payment terms for services, including their total cost
* a detailed description of the services to be performed
* how long it will take to achieve the results
* any guarantees they offer
* the company's name and business address

Have You Been Victimized?

Many states have laws regulating credit repair companies. State law
enforcement officials may be helpful if you've lost money to credit
repair scams.

If you've had a problem with a credit repair company, don't be
embarrassed to report it. While you may fear that contacting the
government will only make your problems worse, remember that laws are in
place to protect you. Contact your local consumer affairs office or your
state Attorney General (AGs). Many AGs have toll-free consumer hotlines.
Check the Blue Pages of your telephone directory for the phone number or
check www.naag.org for a list of state Attorneys General.
Need Help? Don't Despair

Just because you have a poor credit report doesn't mean you won't be
able to get credit. Creditors set their own credit-granting standards
and not all of them look at your credit history the same way. Some may
look only at more recent years to evaluate you for credit, and they may
grant credit if your bill-paying history has improved. It may be
worthwhile to contact creditors informally to discuss their credit
standards.

If you're not disciplined enough to create a workable budget and stick
to it, work out a repayment plan with your creditors, or keep track of
mounting bills, consider contacting a credit counseling organization.
Many credit counseling organizations are nonprofit and work with you to
solve your financial problems. But not all are reputable. For example,
just because an organization says it's "nonprofit," there's no guarantee
that its services are free, affordable, or even legitimate. In fact,
some credit counseling organizations charge high fees, or hide their
fees by pressuring consumers to make "voluntary" contributions that only
cause more debt.

Most credit counselors offer services through local offices, the
Internet, or on the telephone. If possible, find an organization that
offers in-person counseling. Many universities, military bases, credit
unions, housing authorities, and branches of the U.S. Cooperative
Extension Service operate nonprofit credit counseling programs. Your
financial institution, local consumer protection agency, and friends and
family also may be good sources of information and referrals.

If you are considering filing for bankruptcy, you should know about one
major change to the bankruptcy laws: As of October 17, 2005, you must
get credit counseling from a government-approved organization within six
months before you file for bankruptcy relief. You can find a
state-by-state list of government-approved organizations at

www.usdoj.gov/ust. That is the website of the U.S. Trustee Program, the
organization within the U.S. Department of Justice that supervises
bankruptcy cases and trustees.

Reputable credit counseling organizations can advise you on managing
your money and debts, help you develop a budget, and offer free
educational materials and workshops. Their counselors are certified and
trained in the areas of consumer credit, money and debt management, and
budgeting. Counselors discuss your entire financial situation with you,
and help you develop a personalized plan to solve your money problems.
An initial counseling session typically lasts an hour, with an offer of
follow-up sessions.
For more information, see Knee Deep in Debt and Fiscal Fitness: Choosing
a Credit Counselor at ftc.gov/bcp/conline/edcams/credit/ .
Do-It-Yourself Check-Up

Even if you don't have a poor credit history, some financial advisors
and consumer advocates suggest you review your credit report periodically

* because the information it contains affects whether you can get a
loan or insurance -- and how much you will have to pay for it.
* to make sure the information is accurate, complete, and
up-to-date before you apply for a loan for a major purchase like a house
or car, buy insurance, or apply for a job.
* to help guard against identity theft. That's when someone uses
your personal information -- like your name, your Social Security number,
or your credit card number -- to commit fraud. Identity thieves may use
your information to open a new credit card account in your name. Then,
when they don't pay the bills, the delinquent account is reported on
your credit report. Inaccurate information like that could affect your
ability to get credit, insurance, or even a job.

Sample Dispute Letter

Date
Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items
I dispute also are encircled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as
creditors or tax court, and identify type of item, such as credit
account, judgment, etc.) is (inaccurate or incomplete) because (describe
what is inaccurate or incomplete and why). I am requesting that the item
be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any
enclosed documentation, such as payment records, court documents)
supporting my position. Please investigate this (these) matter(s) and
(delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing)

The FTC works for the consumer to prevent fraudulent, deceptive and
unfair business practices in the marketplace and to provide information
to help consumers spot, stop, and avoid them. To file a complaint or to
get free information on consumer issues, visit ftc.gov or call
toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC
enters Internet, telemarketing, identity theft, and other fraud-related
complaints into Consumer Sentinel, a secure online database available to
hundreds of civil and criminal law enforcement agencies in the U.S. and
abroad.

==============================================================================
TOPIC: America's Most Wanted Recipes
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/11a2666569821793?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Mar 1 2008 2:19 am
From: mostwantedrecipes@gmail.com

"We'll Teach You the Jealously Guarded Secrets Behind Actual Dishes
From Billion Dollar Restaurants - The Cheesecake Factory, KFC, The
Olive Garden, PF Chang's, Red Lobster, Hard Rock Cafe... (far too many
to list here) and Show You How to Easily Make Them at Home!" Stop
waiting on those long lines at restaurants to pay for dishes you can
quickly make in your own kitchen! Re-create your favorite restaurant
dishes at home for a fraction of the cost by following these easy step-
by-step instructions. Get kudos and praise from friends and family
members when they find out you actually made these delicious dishes
yourself! Uncover the cooking techniques used by world class chefs
from famous restaurants. Stop wasting time searching for these
recipes on other sites only to be frustrated by recipes that don't
really work. We've been perfecting these recipes collectively with
our community of over 45,000 forum members since 2003.

Please Click Below for Further Details

http://shajiashi.2cook.hop.clickbank.net/

== 2 of 2 ==
Date: Sat, Mar 1 2008 7:52 am
From: George Grapman

I always give my credit card to sites that have no contact information.

==============================================================================
TOPIC: Copycat Recipes Cookbook
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6eae86b6a573ff4b?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 2:19 am
From: mostwantedrecipes@gmail.com

Uncover the Secret Recipes from Your Favorite Restaurants! Easily
Prepare the Most Guarded Restaurant Recipes in Your Own Kitchen. The
same tastes and flavors for a fraction of the cost! Do you spend hours
each month waiting in a restaurant lobby to get seated? Do you spend
hundreds of dollars per month paying others to cook secret recipes
that you never thought you would be able to cook on your own? What if
you could cook these same recipes without waiting to be seated, at any
time, and for a fraction of the cost? Now you can! Cook the same
recipes from your favorite restaurants for friends and family and have
them convinced that you've ordered in. They simply will not believe
that you've learned the secret, guarded recipes from the best
restaurants.

Please click below for further details

http://shajiashi.drecipes.hop.clickbank.net/

==============================================================================
TOPIC: The HCG Dieters Gourmet Cookbook
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/09a1072a523fc8ac?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 1 2008 2:21 am
From: stelevision

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TOPIC: Five Star Indian Recipes
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== 1 of 1 ==
Date: Sat, Mar 1 2008 2:22 am
From: stelevision

Here are the Best Indian recipes compiled by Award winning Five star
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TOPIC: Disney World Vacation And Savings Travel Guide
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/20a4407c7df769a3?hl=en
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== 1 of 1 ==
Date: Sat, Mar 1 2008 2:22 am
From: stelevision

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== 1 of 1 ==
Date: Sat, Mar 1 2008 2:43 am
From: hao200836@yahoo.cn

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Blog Archive

Saturday, March 1, 2008

25 new messages in 13 topics - digest

25 new messages in 20 topics - digest