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Archive for September, 2011

How To Get Your Free Credit Report

Sunday, September 25th, 2011

Credit cards & debt | 0 Comments | 16268 Views

 

Don’t be fooled by companies and websites that offer you a free credit report, but first ask you to sign up for their service (which you then have to cancel later in order to avoid charges). Under law, you are entitled to a free credit report from each of the three major credit bureaus once per every 12-month period. The three bureaus are Experian, TransUnion and Equifax.

** A couple of clarifications: An online report is $1US and by default unless you cancel immediately you will be bill $16.95 per month thereafter. Consider carefully whether or not you need an update every month of the year. Secondly, although it says it is in 36 countries worldwide, Experian is also based in New York City like the other two companies.

To get your free credit report from each of the bureaus, you must first log onto
annualcreditreport.com.

If you’re not sure why you need to check your credit report periodically, you should know that all lenders and creditors will check your report before extending credit to you in order to get a picture of your history and how you handle credit. Unless you are having problems once a year is probably sufficient to keep an eye on your account. Some employers, insurance companies and even landlords will check your report as well. So you should know what it says about you! Sometimes there are mistakes recorded that you can fix.

For info on how to fix mistakes that appear on your report, see “Disputing Credit Report Errors.” which is usually located on the home page of their websites.

Also, checking your credit report regularly will help you uncover potential fraud or identity theft if someone has taken your credit cards or Social Security number to take out loans in your name.

Be aware that you are entitled by American law to one free report per year but will find that you must pay to receive the report instantly. If you phone them they will send you a free report upon receiving a communication from you proving your identity and address.

 

Abandoned

Sunday, September 25th, 2011

by Theresa Ragan

     This murder mystery is a look into the psychology of a serial killer over the years. At sixteen years of age Elizabeth Gardner is kidnapped by a sadistic murderer of young girls. She appears two months later starved, ragged, dirty and definitely psychologically scarred and scared from what she has been through. The night of her kidnapping had been the most wonderful and the most horrible of her existence. She had lied to her parents that night and instead of going out with her girlfriends she sneaked away to be with her boyfriend, That was the first night that they shared themselves sexually, a blissfully exciting time. Then Jared dropped her off a block down from her home because she knew her parents would have a fit if they saw his car. She never made it home.

The story picks up fourteen years later and we find that Lizzy has become a Private Investigator who won’t take on infidelity cases and Jared has joined the FBI and become a psychologically trained field agent very successful in his field.

Before her kidnapping there had been either four or eight other young women taken. The four they had found had been tortured horribly and all were posed near water after their deaths. Law officials could not find any evidence based on Lizzy’s fragmented memories. They only half believed her story of the time she was gone. Her own family started tearing apart after her return and now her mother has moved far away after her parents divorced and her father hasn’t spoken to her in many years. Her only sister has a really touchy relationship with her. She seems to be losing patience with Lizzy for not being able to get over her fears and memories. She pushed Jared out of her life shortly after returning and finally he went off to college and made another life for himself.

One night she receives a phone call from Jared asking her to come to the scene of a recent kidnapping. The young girl is gone without a trace but there is a note in her bedroom addressed to Lizzy saying it’s her fault.

Her nightmares are coming to life again. The terrible killer who made her watch him torture others is back. He knows who and where she is. It’s all starting again. Will she find the courage and determination to help them catch the monster? You’ll want to delve into this book to find the answers.

 

The World’s Safest Banks

Sunday, September 25th, 2011

by Sue Ricketts

     I ran across a listing from website for Global Finance magazine which annually lists the world’s safest banks. The rating looks at the bank’s assets, their operating procedures and the control they have over their investments and banking policies. The top 10 qualifiers receive an award of excellence to honour their achievements.

Just as interesting as who placed first was the number of banks in which countries where deemed safest. In 2009 the top placers were as follows: France with 6 banks in the top 50, Germany, United States & Canada with 5 banks in each and Spain with 4 banks noted.

This had changed by 2011. That year Germany, France & Canada all had 7 banks listed, followed by the United States with 5 banks and Australia with 4 safest banks.

While Germany and France are continued top winners as might be expected Canada has made great strides with our control and management of the banking system in our country. Some other interesting risers are the Australia & New Zealand banks which are coming to world notice.

In 2009 the only Far East banks were 1 from Japan and 3 from Singapore. By 2011 there are 2 Japanese banks, 2 Chinese banks and 2 Singaporese banks amongst the world beaters. It is also interesting to note that Barclays United Kingdom bank is deemed to have returned to good financial management after the rogue trader who made headlines some years back.

When you are considering who to trust and where to put your money you may want to keep these lists in mind.

 

GLOBAL FINANCE WORLD’S 50 SAFEST BANKS 2009

1. KfW(Germany) 26 Caisse centrale Desjardins(Canada)
2.Caisse des Depots et Consignations (CDC)(France) 27 Pohjola Bank(Finland)
3 Bank Nederlands Gemeenten (BNG)(Netherlands) 28 Deutsche Bank AG(Germany)
4 Landwirtschaftliche Rentenbank(Germany) 29 Intesa Sanpaolo(Italy)
5 Zuercher Kantonalbank(Switzerland) 30 Caja de Ahorros y Pensiones de Barcelona (la Caixa)(Spain)
6 Rabobank Group(Netherlands) 31 Bank of Montreal(Canada)
7 Landeskreditbank Baden-Wuerttemberg-Foerderbank(Germany) 32 The Bank of New York Mellon Corporation(United States)
8 NRW. Bank(Germany) 33 DnB NOR Bank(Norway)
9 BNP Paribas(France) 34 Caixa Geral de Depositos(Portugal)
10 Royal Bank of Canada(Canada) 35 United Overseas Bank(Singapore)
11 National Australia Bank(Australia) 36 Oversea-Chinese Banking Corp.(Singapore)
12 Commonwealth Bank of Australia(Australia) 37 CIBC(Canada)
13 Banco Santander(Spain) 38 National Bank Of Kuwait(Kuwait)
14 Toronto-Dominion Bank(Canada) 39 J.P. Morgan Chase & Co.(United States)
15 Australia & New Zealand Banking Group(Australia) 40 UBS AG(Switzerland)
16 Westpac Banking Corporation(Australia) 41 Societe Generale (SG)(France)
17 ASB Bank Limited(New Zealand) 42 Wells Fargo & Co.(United States)
18 HSBC Holdings plc(United Kingdom) 43 Credit Suisse Group(Switzerland)
19 Credit Agricole S.A.(France) 44 Banque Federative du Credit Mutuel (BFCM)(France)
20 Banco Bilbao Vizcaya Argentaria (BBVA)(Spain) 45 Credit Industriel et Commercial (CIC)(France)
21 Nordea Bank AB (publ)(Sweden) 46 Nationwide Building Society(United Kingdom)
22 Scotiabank(Canada) 47 U.S. Bancorp(United States)
23 Svenska Handelsbanken(Sweden) 48 Shizuoka Bank(Japan)
24 DBS Bank(Singapore) 49 Northern Trust Corporation(United States)
25 Banco Espanol de Credito S.A. (Banesto)(Spain) 50 National Bank of Abu Dhabi(UAE)


Read more:
http://www.gfmag.com/tools/best-banks/2341-worlds-50-safest-banks-2009.html#ixzz1Yo11TP00 Under Creative Commons License: Attribution Share Alike
Get a FREE subscription to Global Finance magazine :
http://www.gfmag.com/subscribe.html

 


Read more:
http://www.gfmag.com/tools/best-banks/11341-worlds-50-safest-banks-2011.html#ixzz1Yzs3NWvI Under Creative Commons License: Attribution Share Alike
Get a FREE subscription to Global Finance magazine :
http://www.gfmag.com/subscribe.html

WORLD’S 50 SAFEST BANKS 2011

1 KfW 26 United Overseas Bank
(Germany (Singapore)
2 Caisse des Depots et Consignation CDC 27 Crédit Lyonnais
(France) (France)
3 Bank Nederlandse Gemeeten BNG 28 Pohjola Bank
(Finland) (Finland)
4 Zürcher Kantonalbank 29 Credit Suisse Group
(Switzerland) (Switzerland)
5 Landwirtschaftliche Rentenbank 30 BMO Financial Group
(Germany) (Canada)
6 Rabobank Group Tie*31 Cassa Depositi e Prestiti
(Netherlands) (Italy)
Tie*7 Landeskreditbank Baden-Württemberg – Tie*31 CIBC
Förderbank (Germany) (Canada)
Tie*7 Nederlandse Waterschapsbank 32 Banco Español de Crédito (Banesto)
(Netherlands) (Spain)
8 Banque de Caisse et Epargne de L’Etat 33 Deutsche Bank
(Luxembourg) (Germany)
9 NRW Bank 34 JPMorgan Chase
(Germany) (United States)
10 Banco Santander 35 Société Générale
(Spain) (France)
11 Royal Bank of Canada 36 Wells Fargo
(Canada) (United States)
Tie*12 National Australia Bank Limited 37 Intesa Sanpaolo
(Australia) (Italy)
Tie*12 Commonwealth Bank of Australia 38 China Development Bank
(Australia) (China)
13 Toronto-Dominion Bank (TD Bank) Tie*39 Banque Fédérative du Crédit Mutuel (BFCM)
(Canada) (France)
14 Westpac Banking Corporation Tie*39 Landesbank Baden-Württemberg
(Australia) (Germany) (Germany)
15 BNP Paribas 40 U.S. Bancorp
(France) (United States)
16 HSBC Holdings 41 Nationwide Building Society
(United Kingdom) ( United Kingdom)
17 Banco Bilbao Vizcaya Argentaria (BBVA) 42 Agricultural Development Bank of China
(Spain) (China)
Tie*18 Scotiabank (Bank of Nova Scotia) 43 Shizuoka Bank
(Canada) (Japan)
Tie*18 Australia and New Zealand Banking Group 44 Northern Trust Corporation
(Australia) (United States)
19 DBS Bank 45 CoBank, ACB
(Singapore) (United States)
20 Caisse centrale Desjardins 46 National Bank of Abu Dhabi
(Canada) (United Arab Emirates)
21 Crédit Agricole 47 National Bank of Kuwait
(France) (Kuwait)
22 Nordea Bank 48 Pictet & Cie
(Sweden) (Switzerland)
23 Svenska Handelsbanken 49 Barclays Group
(Sweden) (United Kingdom)
24 BNY Mellon 50 Bank of Tokyo-Mitsubishi UFJ
(United States) (Japan)
25 Oversea-Chinese Banking Corporation
(Singapore)

Wired

Sunday, September 18th, 2011

By Douglas E.Richards

If you’re familiar with the three books in The Primetheus Project series you will know Douglas E. Richards as an interesting writer of science fiction. If your not really a fan of the genre you can still enjoy this exciting book.

The story begins with David Desh, a retired special forces operative being called back to investigate one last case. He is haunted by his last mission where his whole squad were tortured in front of him. Now he is being asked to find Kira Miller, a brilliant genetic engineer who discovers a way to enhance human intelligence to super-savant levels for short periods of time. It is also rumoured that she has found the “fountain of youth” and can make it possible for humans to live to 150 years old. The even more interesting thing is that Kira is still in her twenties. What else might she be capable of?

It doesn’t take long for the action to become non-stop as he finds that he is not the only one seeking her. There are others on her trail and they threaten to kill anyone who gets in their way – anyone that is except Kira Miller who is the “golden egg”

for anyone seeking power and riches beyond telling.

Along the way we learn a lot of interesting things about how the human brain works and what makes us act the way we do. Genetics are even explained in simple enough terms to enjoy learning about them.

I’m sure you won’t regret taking the time to read this thriller.

Warning: This book is available only in Kindle format at this time.

How To Get a Lower Interest Rate on Your Credit Cards

Sunday, September 18th, 2011

Credit cards & debt | 1 Comment | 9807 Views

(the continuing series)

  1. What’s a good interest rate on a credit card? Chances are that you can do better than what you currently pay just by asking your creditor for a lower rate. If you’re curious as to what the average rates are, Bankrate/can tracks a running average on five common consumer banking products, including credit cards, mortgages, auto loans and home equity products. That list can be found at this www.bankrate.com/can/default.asp#
    Another online resource for credit cards is at canada.creditcards.com, where you can compare offers according to types of cards, credit history and other criteria.

    How does your rate compare?
    Now that you’ve seen where the national averages hover for credit cards, you can decide whether your rate is too high. Keep in mind that the credit card company will refer to your credit history when determining your rate, so it’s good to know whether your history is good, fair or poor. (If you’ve never checked your credit history from the three reporting bureaus, go to http://canadian-creditreport.com/free.htm to access your free yearly report from each agency.) Be careful on this as it is not free you must pay a fee if you want it instantly

    Now, take a deep breath and get ready to negotiate!

    Credit card companies are in a fierce business and will often spend up to $200 to acquire a new customer. Sometimes it’s worth it to them to keep a customer they know rather than try to replace you. Use our sample script to help lower your rate.

    First, gather any offers from competing companies you may have received in the mail. Or, alternatively, check what companies are offering via Bankrate/can.com and others. Then, dial your credit card company and follow this script:

    You: Hello, I have a [type of card] with you and my interest rate is [X] percent. I have been a good customer for [X] years and have recently received offers from [name of company or companies] for a [X] percent interest rate. I was wondering if you could match these offers?

    Rep: I’m sorry, but I am not authorized to do that.

    You: Well, I know that I can transfer my balance today to this better offer and next week your company will come back at an even lower rate. Why don’t we save you the time and cost and just negotiate it now?

    Rep: I’m sorry, but your credit card is locked in at a fixed interest rate.

    You: I’m aware that my interest rate is fixed, but that only means that it will not move with fluctuations in the prime rate. You are authorized to increase my rate at any time with proper written notice, and you can also lower it.

    If the rep at this point still insists he or she cannot lower your rate, ask to speak with the supervisor and make your case again.

    Remember: It may seem awkward to make a call like this, but no creditor is going to offer you a lower rate if you’d don’t ask for it. When it comes to your money, you are often your own advocate.

 

The Tree

Sunday, September 18th, 2011

By Sue Ricketts

     One day John Carson took his grandson up the small hill at the back of his house. He got his namesake to dig a hole just at the brow where the sunlight lingered late at night and touched down first in the morning. The little boy was very small and couldn’t dig a very big hole so it was more like a hollow amongst the sunflowers and tall grass above the rows of corn and potatoes which would see them through the winter. John Carson Sr reached into his pocket and pulled out an acorn. He taught young John how to cover the acorn and charged him with making sure that the planting would be watered and cared for until it began to grow. They even built a small sign which they planted beside it which said “Johnny’s Shade”. That seemed pretty funny since there was nothing there to see.

Soon after that Grampa passed away and was buried on the hill next to the sign – Johnny’s Shade. Young Johnny often came to the one place he could best remember the man whom he loved most. He often spent time playing and talking by himself there. Telling all his secrets and things he’d learned that day.

As the years went by the acorn began to grow into a small plant no bigger than most of the plants which his Mother had around the house. The year that Johnny was in grade two he came rushing home after school and ran to the sapling on the hill which was beginning to catch up to him in height. He whispered to the tree that he had learned a new mystery. He read a book about how to cultivate plants to the tree and promised to take care of the land around the growing oak if it would provide safety and shade for him and those he loved.

Many an afternoon was spent sitting in the shade of the tree reading and learning about mysteries from all over the world. As he grew Johnny brought friends to play on the small hill and share their secrets with his tree.

When he became a young man he brought a special young lady with him and shared his love of the tree which towered over him now. That’s where he promised that he loved her and wanted to spend the rest of his life with her. She returned his love and they looked out on the land beneath them and decided that they would stay here and take care of the land together.

In the meantime, the world around them changed and once again there was a war in a far-off country. Johnny had no choice but to go with his friends from their little village and again he and that special girl promised to meet by the tree when he came home. She promised to take care of the land and to stay in the shade of the oak where they’d carved their names until he got back.

Although he tried to write every day, it just didn’t happen. Occasionally he would receive letters telling him that the tree was growing stronger, thicker, taller and lending it’s shade for anyone who passed by. Time blurred. Battles came and went. Johnny saw things that he would never forget. Lost friends whom he cared about. Learned more than he ever wanted to know about how the world worked. What people did to people and why.

There came a battle where a friend was buried under an exploded gun. Johnny reached out and grabbed the smoking metal which lay across his friend’s body and yanked with all his strength. His friend survived but Johnny had burned his fingers so badly that doctors removed most of his right hand. It took a long time to get used to doing things without them.

It was six years to the day before he finally walked up the small hill. He carried a small packaged which he had kept wrapped. Inside it he had brought the stubs of his fingers home to put beneath the soil in the shade of his now mighty oak. As he wiped his private tears from his eyes, he turned and there stood an amazing vision. On the other side of tree stood that very special girl with sunlight streaming down on her and beside her was a boy who looked so much like his grandpa that his heart nearly exploded with joy. He was back, finally, to his place, to Johnny’s Shade.

 

Making the Most of Workplace Benefits

Sunday, September 11th, 2011

By Jessica Swesey April 06 2011

For most of us, the employee handbook is something you stash in a drawer after you’re hired, and never look at again. Wrong move. Because here’s a secret: almost a third of your total compensation is hidden inside it.

These days employee benefits represent more than 30 percent of your compensation, according to data from the Bureau of Labor Statistics. Whether it’s your healthcare plan, life insurance policies, dental coverage, or retirement-plan matches, there are a host of ways to squeeze the most out of your company’s benefit plan. But you have to know where to look.

There are the basics, of course, like healthcare and dental coverage. Compare menu options side by side, taking into account factors like co-pays, deductibles, and percentages covered for hospital or emergency care.

In terms of insurance, you’ll likely have access through your work to attractive group rates you’d never get on your own: home, auto, life, or even all three. Discounted disability coverage is a terrific perk, especially for those with long working lives ahead of them, and long-term care is an increasingly popular option for those in mid-career.

Flexible-spending and dependent-care accounts are great ways to save a few bucks, using pre-tax money for critical expenses like uncovered medical bills or daycare. Employee Assistance Programs for issues like mental health, credit counseling, or legal jams can be a lifeline during tough times. Charitable matches, coverage for educational expenses, gym memberships, and discounts at major national retailers can all contribute to your family’s bottom line as well.

Timing is key, though. Enrollment periods for most benefits packages wrap up in November, so that companies have enough time to implement them for the following year. Miss that annual window, and you could miss out on key perks. However, if you have a significant life event (like getting married, having a kid, spouse loses their job, etc.), you may be able to change your coverage outside of the enrollment period. When it comes to employee benefits, there’s no time like the present for cracking open that handbook, and taking advantage of absolutely everything your employer is offering you.

 

9/11 & us

Sunday, September 11th, 2011

Fellow Meetuppers,

I don’t write to our whole community often, but this week is special because it’s the 10th anniversary of 9/11 and many people don’t know that Meetup is a 9/11 baby.

Let me tell you the Meetup story. I was living a couple miles from the Twin Towers, and I was the kind of person who thought local community doesn’t matter much if we’ve got the internet and tv. The only time I thought about my neighbors was when I hoped they wouldn’t bother me.

When the towers fell, I found myself talking to more neighbors in the days after 9/11 than ever before. People said hello to neighbors (next-door and across the city) who they’d normally ignore. People were looking after each other, helping each other, and meeting up with each other. You know, being neighborly.

A lot of people were thinking that maybe 9/11 could bring people together in a lasting way. So the idea for Meetup was born: Could we use the internet to get off the internet — and grow local communities?

We didn’t know if it would work. Most people thought it was a crazy idea — especially because terrorism is designed to make people distrust one another.

A small team came together, and we launched Meetup 9 months after 9/11.

Today, almost 10 years and 10 million Meetuppers later, it’s working. Every day, thousands of Meetups happen. Moms Meetups, Small Business Meetups, Fitness Meetups… a wild variety of 100,000 Meetup Groups with not much in common — except one thing.

Every Meetup starts with people simply saying hello to neighbors. And what often happens next is still amazing to me. They grow businesses and bands together, they teach and motivate each other, they babysit each other’s kids and find other ways to work together. They have fun and find solace together. They make friends and form powerful community. It’s powerful stuff.

It’s a wonderful revolution in local community, and it’s thanks to everyone who shows up.

Meetups aren’t about 9/11, but they may not be happening if it weren’t for 9/11.

9/11 didn’t make us too scared to go outside or talk to strangers. 9/11 didn’t rip us apart. No, we’re building new community together!!!!

The towers fell, but we rise up. And we’re just getting started with these Meetups.

Scott Heiferman (on behalf of 80 people at Meetup HQ)
Co-Founder & CEO, Meetup
New York City

 

Borrowed Time

Sunday, September 11th, 2011

By CJ Lyons

This book is not to be confused with the Lionel Barrymore movie or its remake and book by David Rosenfelt. This s new story.

Officer O’Hern and her partner answer a robbery call at a small convenience store in Philadelphia. The perp seems very calm and even smiles at them as they get out of the car. They go by the book and separate so that his escape is blocked from both sides. He steps confidently from the store and shoots her partner in the face killing him before he hits the ground and even though she gets a shot off directly to his chest, he calmly turns and shoots her twice. Kate O’hern doesn’t die instantly but it’s a very close call.

She is rushed by Emergency Responders to the hospital and into OR immediately and her life is saved by a surgeon who gets her heart going after eight minutes of inactivity. Doctor Josh Lightner is a very skilled and experienced man who knows that patients and their medical rescuers should never mix but he is attracted to the beautiful, determined, capable survivor.

When she wakens, Kate finds herself experiencing images and disturbingly vivid glimpses of things that can possibly be future events. When they start to come true, she enlists the doctor’s help in finding what is causing these flashes which will surely end her career as a police officer. She must be clear, precise and accurate. Definitely not having visions of any kind which would mark her as unfit for duty.

Thus begins the search to find her way back to herself. At the same time she tries to search for the killer who seems determined to stalk her and the officer’s whom she calls brothers-in-arms. Three more police members are murdered through blatant and frightening circumstances before they can find any pattern.

CJ Lyons is a compelling writer whose characters come alive on each page of the story. That’s because in real life CJ is an emergency room doctor who understands what it takes both psychologically and humanly to endure the stresses of life in hospital situations and also in the lives of those who serve and protect in the large cities of America at the beginning of the 21st century.

Beyond All Price

Sunday, September 4th, 2011

A novel based on the life of Nellie M. Chase

By Carolyn Poling Schriber

     At the Cave Hill Cemetery in Louisville Kentucky there is a monument dedicated to Nellie M. Chase and her husband George Earnest. Nellie left no diary, no letters and no children. Only a questionable Maine census from 1850 may refer to her family there and there is an 1870 Kentucky census which records her married name. Those along with some newspaper articles and comments written by others are all that’s left to attest to her life.

From these meager scraps Carolyn Schriber has recreated the story of Nellie’s service as a nursing matron for the Union Army during the American Civil War. When she began her service (for which she would not accept any wages) she was 23 years old and had about three months of medical training, yet she was called an angel by many of her patients, a marvel of organization by her superiors and one of the most necessary people to follow the soldiers into battle during the grim years of the war between the States.

She provided food. She organized supplies and equipment. She assisted surgeons on the battlefield. She commanded those under her with a certainty and ability which came from her innate skills. Nellie even organized Christmas celebrations and parties to keep the spirits of her charges high.

This is an excellent fictional telling of a life which should not be forgotten. Nellie Chase was as much a hero and champion of those in need as any man who fought during those times. I highly recommend this whether you are a fan of American history or not. You probably are a fan of great human endeavors.