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This comes from Money Magazine e-article. See link inside.

Posted By: MT and worn out on 2008-07-19
In Reply to: Collection Agency Tactics?? - Say What?

http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/Your5MinuteGuideToManagingDebt.aspx


When the collectors are knocking
If you've gotten in so deep that debt collectors are at the door, know your rights:

Debt collectors may not harass, oppress or abuse you or any third party they contact. (See "Make a deal with debt collectors.")

They may not falsely imply that they are government representatives or that you have committed a crime.

They may not tell you that you will be arrested if you do not pay your debts.

I hope this helps.


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Article about this in the last Woman's Day magazine....
Changes go into effect 07/11, and there are tips in the article on how to fight them jacking your rates, too. I only use prepaid credit cards but I skimmed the article anyway and it seemed very interesting.

Check their archives and have a peek at it. It might be able to guide you in stopping that interest rate hike.

Good luck.
link inside - try this link to narrow one down in your area
http://www.bcnys.org/inside/chambers.htm
Here's the link to the article I got it from
http://articles.moneycentral.msn.com/Taxes/Advice/SeeWhenYouWillGetATaxRebateCheck.aspx
Well at least post a link to the article!

Link to NY Times article - there are plenty of others
http://www.nytimes.com/2007/02/03/us/03texas.html?_r=1&oref=slogin
AND WALMART canceled order-article inside..sm

Wal-Mart: We're not afraid to say Merry Christmas


No. 1 retailer has decided to abandon its generic 'Happy Holidays' greeting in favor of 'Merry Christmas.'





NEW YORK (CNNMoney) -- Wal-Mart has told its employees that it's OK to once again greet shoppers by saying "Merry Christmas" this holiday season instead of the generic "Happy Holidays."


CNN confirmed that Wal-Mart will announce Thursday that it plans to use the phrase "Merry Christmas" in products and around its stores this holiday season.










 

The announcement comes a year after religious groups such as The American Family Association and The Catholic League boycotted retailers including Wal-Mart last holiday season for excluding the word "Christmas" from products sold in stores.


"We, quite frankly, have learned a lesson from last year," Wal-Mart spokeswoman Linda Blakley told USA Today in a separate report. "We're not afraid to use the term 'Merry Christmas.' We'll use it early, and we'll use it often."


Besides resurrecting its Christmas pitch, the retailer is also determined to be the leader in this year's holiday price wars.


The November-December holiday shopping period is a critical time for merchants since it can account for as much as 50 percent of their profits and sales.


To that end, Wal-Mart was the first out of the gate to chop prices on toys and electronics much ahead of its competitors like Target (Charts), Toys 'R Us, Costco (Charts) and others.


To support its Christmas deals, the report said Wal-Mart will launch TV ads next week that trumpet "Christmas." It's changing the name of its seasonal decorations department to "The Christmas Shop" from "The Holiday Shop."


Moreover, Wal-Mart stores will play Christmas carols throughout the holiday period and about 60 percent more merchandise will be labeled as "Christmas" rather than "holiday" items, the paper said.



See link inside

Texas governor orders STD vaccine for all girls
Gov. Rick Perry signed an order Friday making Texas the first state to require that all schoolgirls be vaccinated against the sexually transmitted virus that causes cervical cancer.


http://www.msnbc.msn.com/id/16948093/from/ET/


Link inside.
http://abcnews.go.com/GMA/Entertainment/story?id=2883542&page=1
Try the link inside...nm
It speaks for itself.

http://www.theonesolitarylifemovie.com
link inside
http://www.braun.com/na/products/fooddrink/breakfast/coffeemakers/aromadeluxe.html

See link inside........
http://www.weightwatchers.com/health/asm/calc_healthyweight.aspx
try link inside
www.needydrugs.com

This is a sort of web site used as a "clearing house" to get you to different programs you can use to assist getting medications you need. Every drug/manufacturer has different guidelines and some do not publish what their guidelines are, so read the fine print.

I currently get Asacol and Aciphex based on my income tax return from last year, but I'm making more this year so I won't qualify for 2008 as my 2007 income will be too high. It's still not enough to afford insurance, though.

The manufacturer may require something in writing showing that your insurance does not cover the drug you need even if you meet income guidelines. Some send the med straight to your home, others send it to the doctor's office for you to pick up.

If you don't qualify for those programs, Wal-Mart has a discount card available on their web site to print that will save about 15% per RX. It isn't much, but every little bit helps.
to me2: inside is a link with all NYC

http://www.mta.info/nyct/maps/submap.htm


Manhattan is one of the easiest cities to get around in, really.  All the streets are in numerical order going north or south and all avenues are also in numerical order going east and west.  Very simple once they have that knowledge.


Best of luck to him!


Try the link inside sm

http://www.imdb.com/name/nm0243686/


That is internet movie database and it lists all the movies they have had their songs in.  Hope you see what you are looking for.


ooh, you are right - see inside for link to their terms

http://www.myspace.com/Modules/Common/Pages/TermsConditions.aspx


 


Gloves - see link inside
Been wearing these for years and years. They took care of the problem you are talking about.

http://www.softflex.com/overview.php
See post at link inside
`
see link inside post

http://www.officialkwanzaawebsite.org/index.shtml


lots of information at that link - I just googled Kwanzaa and up that came among lots of other sites, full of information.


As for me, if we are *white* in discussion, I use *black* and seems to me my black friends prefer that.  I did read once that Whoopi Goldberg does not like the term African American and she stated at that time that none of her relatives came from Africa.  However, I have since read that's not entirely true (some of her relatives did come from Africa)......


link inside about eggs

storage and other stuff.


News Link inside.
http://www.nydailynews.com/news/2008/03/17/2008-03-17_gov_paterson_admits_to_sex_with_other_wo.html
please go to link inside, click tab
http://www.theanimalrescuesite.com/clickToGive/home.faces?siteId=3
Jews on stage, etc (link inside)
http://www.jewwatch.com/jew-entertainment-folder.html
Click on the link inside...funny

Gasout is a hoax....see inside for link
http://www.snopes.com/politics/gasoline/nogas.asp
see link inside, originated from El Salvador!..SM
http://www.altereddimensions.net/crime/MS13Gang.htm
I have always used Free Ram XP Lite - link inside
I have always liked this one, and it is easy to use.

http://www.freedownloadscenter.com/Reviews/r326.html
Link inside. Friends of mine own this place and sm

they have a theater just for kids, too.  It's great.  Very interactive.  Kids love it.


 


http://www.sleuths.com/


See link inside - History of Santa Claus
The origins of Santa Claus/Saint Nicholas.  See link below.  A real person long ago.
See link inside--my physician's office recommended this.
http://nuvoforheadlice.com/method_explained.htm

We had to do it twice, but it does work.
see post below named Talent...vid link inside.nm
nm
Please see link inside to sign petition Take Back the Memorial.

see link below....


link for Mental Health Board inside post

http://forum.mtstars.com/misc/b/8.html


it's located right here above our posts and under the words GAB BOARD


Saw pics in a magazine once....where are you?
!
Oriental Trading magazine has

things (like maybe a birdhouse or Indian things) that come in packs of 10 - 12 to put together. A little more expensive but I use to order things like that for my cub scout den.


My husband had access to scrap wood and a wood shop.  He cut out (10 or 12) pieces for a tool box.  The kids loved hammering them together.  (kinda a bigger project.) 


Maybe plant something that would be ready to plant outside later?  Maybe a project for when it gets closer to being warmer. 


I would put the question in the "search" box.  Even ask for projects for President's Day or whatever holidays are coming up! 


 


subscription to Good Old Days magazine.
x
Google 'Money Magazine + best places to live' and
s
Gas card? Lottery tickets? Paid magazine
s
Fine Homebuilding is a GREAT magazine, even if you don't plan to do all the work yourself. (sm)
I would think that you two could be your own general contractors.  IMHO they're usually pretty worthless and it's difficult to find one who will be as committed to the project as you will be. Good luck though.  Start with plumbing, electrical, structural stuff, then go from there.
How much money rasied for Katrina, how much money for the diasters due to the tidal waves and what?
Every single one of them have had some smoke around it with the money not getting to where it was supposed to go. I did not contribute, I hardly watched, was not caught up again as I have seen things like this before. They should give a all you can give benefit for Darfur where people are being massacared each and every day. Genocide going on there each and every day. I have not seen any benefits to help them out yet.
oops - bad link - here's the correct link ....S/M
http://www.msnbc.msn.com/id/16948093/
sorry for typo inside, correction inside this one

At the time I posted it was a 23-y/o Korean THE DETAILS of who did the shooting had not hit the newswires UNTIL THEN.



 


But her money is her money to spend as she pleases -
I don't understand how you can think it is wrong for her to spend whatever she wants to on whatever she buys. It is their personal money they spend. It is not like they are saying give me those shoes and add it to the taxpayer's bill.

And in all actuality, they are saying spend, spend, spend to get the economy going.

I am sorry, I am jealous that some people still have plenty of money to spend and I don't, but I don't expect those people to quit spending just because I had to.
see article
http://www.caycompass.com/cgi-bin/CFPnews.cgi?ID=1018801
the web article said...
Don't know though, never tried anything but softener sheets.  Geez, I can't go without my fabric softener sheets or something.  I can't stand staticy clothes, rough towels...guess we are danged if we do and danged if we don't...
The article also said--sm
and this was FOX, not CNN, my mistake. Anyway, the article also said that she had been sitting in her cell for 23 hours with absolutely nothing to do. I guess she had picked out quite a few books to take with her, but the prison would not allow her to bring them in with her. awwwwww. poor thing! It's funny how she always ends up getting what she wants...or is it her daddy's money?
Who was the article about?
xx
WoW - can you believe this article

www.healthmad.com/Men's-Health/Circumcision-of-Males-in-America-and-How-it-is-Viewed-by-American-Women.541911


Apparently women are responsible for infant male circ's? Well, perhaps they are - perhaps they aren't - but what is so wrong in circ'g. Isn't that recommended by docs??


Here's one article:
http://www.usmagazine.com/news/jon-and-kate-dads-three-month-affair-confirmed-200955
Interesting article...
http://www.msnbc.msn.com/id/15769975/site/newsweek/
Check out article :)

The Meaning of R.S.V.P.


Let's Clear Up the Confusion



I hope that this week's tip will benefit hosts and guests alike, because there seems to be a lot of confusion about the meaning of the above term.

Lack of RSVP's - A Growing Problem


I hear more and more often, and have found in my personal experience, that hosts often do not receive firm indications whether guests plan to attend their parties, even if R.S.V.P. is clearly printed on the invitation. This could mean either one of two things. First it could mean that rudeness is a growing trend in our society. Or, as I would prefer to believe, people no longer understand what the term means. Assuming the best, and that the decline in R.S.V.P.'s can be attributed to ignorance and not rudeness, I will clarify this for the record.

What RSVP Means


The term R.S.V.P. comes from the French expression "répondez s'il vous plaît", meaning "please respond". If R.S.V.P. is written on an invitation it means the invited guest must tell the host whether or not they plan to attend the party. It does not mean to respond only if you're coming, and it does not mean respond only if you're not coming (the expression "regrets only" is reserved for that instance). It means the host needs a definite head count for the planned event, and needs it by the date specified on the invitation.

Why It's Inconsiderate to Not RSVP


An incomplete list of respondents can cause numerous problems for a host including difficulty in planning food quantities, issues relating to minimum guarantees with catering halls, uncertainty over the number of party favors and difficulties in planning appropriate seating, among other things.

So the next time you see R.S.V.P. on an invitation you receive, please call your host and respond promptly.



I had not seen that. I just read an article--sm
on the web today that said the wheat gluten, rice gluten was put into the chicken feed and the pig feed, as well. I don't recall reading anything about them buying the dog food and using that. How dumb! It has already killed thousands of dogs and cats, and they are going to try to kill the rest of our livestock too? animal murderers!