Books by Willy
Fleecing and Scams
Books By Willy
This could happen to you!!!!
It happen to me, I got a speeding ticket for going over the 25 miles an hour limit. It cost me $130. Of course, I paid the $130 dollars. It was my first ticket!!!
This is just a reminder of what can happen to you and me if we all do not SLOW DOWN!!!!
Please Note: If you do not see the green buttons below, you may have to install Java (TM) on your computer. It is a free download. http://www.java.com/en
It will never happen to me. I am a good driver!
Who are you kidding? We are all good drivers and we think we are the only ones on the road. Everyone has to get out of my way. Who does that sound like? You?
Grandma is all dressed up. She jumps into her SUV. She is running a little late. Everyone is going too slow. She weaves in and out of the traffic going 20 miles over the speed limit. Where is she going? A religious person that she is, of course she is going to church. Grandma, God will forgive you if you are a little late for the services. He may not forgive you if you kill someone in your haste to get to church. Please slow down.
Grandpa always drives at the speed limit. He is cursing at all the people that are passing him. They are all speeding. Oh, the light ahead has turned yellow. Grandpa doesnít want to wait for the light. He slams on the accelerator and runs through the red light. Grandpa, do you want to kill yourself and someone else? Please donít run another red light. You may get to your final destination before you plan to.
Mom or Dad always tries to get a couple more winks before they get up in the morning. They rush through breakfast and rush the kids. They have to take the kids to school or go to work. They dash out of the house with a cup of coffee in their hand. They didnít check to see if the kids were buckled up. They are speeding down the road driving recklessly and cursing all the other drivers because they will not get out of their way. The little eyes and ears are taking it all in. They are learning how to drive. Mom and/or Dad are teaching them how they should drive and act when they get their license. Mom and Dad you may never see them get their driversí license. It is a very big price to pay for the few extra minutes of sleep. Go to bed a little earlier. Eat your breakfast in peace and enjoy those precious minutes with your kids. Teach the little ones to drive carefully. The lives that you save will be well worth the few minutes earlier you get up.
Junior or Sis just got their driverís license. Freedom!!! They have been watching Mom and Pop drive for the last 16 years. Mom or Pop thinks they are the best drivers on the road and I took lessons from them. The speedometer says the car will go 120 miles an hour. Why should I go the speed limit? No one else does. It is no fun driving around by myself. I will get some of my friends and show them what a good driver I am.
Johns Hopkins School of Public Health researcher Li-Hui Chen and her colleagues found that 16-year-olds carrying one passenger were 39 percent more likely to get killed than those driving alone.
increased to 86 percent with two passengers and 182 percent with three or
more. The rate for 17-year-olds was higher: 48 percent, 158 percent and 207
The rate was as much as 21 times higher during early morning hours when passengers were present, according to the study in today's Journal of the American Medical Association.
Chen also found that the driver death rate increased significantly when the passengers themselves were in their teens or 20s.
Every second of every day someone is in an auto accident. It is costing us billions of dollars Thousands of lives have been lost and many more have been maimed for life, mentally and physically. The next time you are on the road slow down. The life you save my be your own. It could happen to you!!!
Books By Willy
Please note. I had over a hundred Emails below. I dumped all of them. I am not going to publish any more. Please don't send any more. I will not answer them.
Please Note: If you do not see the green buttons below, you may have to install Java (TM) on your computer. It is a free download. http://www.java.com/en
Books By Willy
Take a look at the bottom of this page.
You have been counted.
通过Willy欢迎光临书 Добро пожаловать в Книги Willy Kitaplara hoş Willy'
קבלת פנים לספרים על ידי ווילי Bienvenu ŗ livres par Willy Benvenuto a libri di Willy
Willkommen zu BŁchern von Willy Pożądany do Książek Przez
WillyBem-vindo a livros por Willy Welcome to libros por Willy
Welcome to Books By Willy
The books are free to download or read them online. For my efforts, do me a favor. Tell at least one person that you know to visit Free Book By Willy or Books By Willy. Nothing gives me more pleasure than to watch my visitors list grow. Even if you don't like the books, ask someone you know or don't know to visit my web site.
As I said above the books are free. I have financed Books By Willy for about 15 years.
As time has passed, I am pushing 87 years old. Without me, Books By Willy will not be around.
I am trying to find a way that will keep Books By Willy alive when I have reached my real demise.
Any donation that you would like to give to keep Books By Willy alive would be greatly appreciated.
Just click on the PayPal button below or on any other page.
God bless you all.
PS: I added PalPal a year ago. I have had over 80,000 visitors in the past year and no donations.
It looks like I will kick the bucket and so will Books By Willy!
PayPal is a little slow, please wait!
God bless every man, woman and child in this world.
May they live a long, healthy and prospers life.
Please Note: If you do not see the green buttons below, you may have to install Java (TM) on your computer.
It is a free download. http://www.java.com/en
For your own sake whether you are young or old, read Fleecing and Scams.
If you have children or grandchildren, for their safety read this book.
The life or the money that you save may be your own or your children.
Also, take a peek at the eMail Scams!
WHERE DO WE GO FROM HERE???
Having served in the Marines WWII and had been in the Burial Escort Service and seen the wounded in Navy Hospitals. I oppose all wars when diplomacy is available. ONE casualty is ONE too many. Once someone is killed whether it is one of our own or the enemy we have gone too far. I hate the glorification of war. War is not a thing that should be glorified. George had two choices. He and his administration chose the wrong path. It has cost our country and the Iraqis many lives and destroyed property needlessly. It is still costing us lives and costing everyone in this country. We will be paying for it for many years to come.
Where will we go now? Will it ever end? When George opened his mouth and pointed his finger at countries that were the axis of evil, he recruited hundreds of millions of suicide bombers, snipers and made every man, woman and child in the United States TARGETS of the millions that hate our country because of many reasons. United States Big Business' has enslaved the people in the poorer countries around the world.
The propaganda that is spread through the news media does not help our country. Many of the announcers on TV have claimed that anyone that opposes the war does not support our troops. This is a terrible mistake and accusations. As I said before one service personnel is too many to lose. Once they are dead, nothing will bring them back. We never want any of our service personnel to be lost where reasoning and negotiation can be used instead of war. They volunteered to defend our country, not invade another country.
The talk of weapons of mass destruction, every weapon is a weapon of mass destruction when it affects you. If Iran and North Korea were or are going to attack this country with NUCLEAR BOMBS MOMENTARILY AND IT IS SO WHY HASNíT the Secretary of Department of Homeland Security, DISTRIBUTED Potassium Iodide (KI) to every man, woman and child in this country, and built bomb shelters for the people of this country?
When are the wars around the world going to stop?
Like this country, everyone in the world has their opinion on how to run their governments. Why canít we all stop and look back to the history of all countries. There have been wars from the beginning of time and we havenít learned how to prevent wars with another war. Wars donít prevent wars. Wake up and get your friends to wake up. This will never happen. Everyone thinks that they have the right solution to solve all the worldís problems. The United Nations cannot solve the worldís problems. What makes you think that your ideas and the candidateís ideas will stop all the war mongers from wanting to go to war to solve all of our problems? HELL NO! God bless all of our children that will have to go to war to preserve the MONEY HUNGRY BASTARDS that live amongst us.
God bless us all!
Remember, If you find any mistakes please let me know. It is hard to find your own mistakes.
Thanks for stopping in!
The number of visitors during 2012
Number of visits
The countries that you live in.
Books by Willy
Fleecing and Scams
Please Note: If you do not see the green buttons below, you may have to install Java (TM) on your computer. It is a free download. http://www.java.com/en
Note: Some of these files are quite large and they may take a few minutes to view or download. If you disturb the loading you will only get part of the article.
It is your money that they are stealing!!!
Fleecing and Scams
MY TWO CENTS ON
SCAMS, HATE, GREED,
Itís your money they are stealing!!!
I dedicate this book to the millions of poor souls that have been victims of SCAMS AND FLEECING. The RICH, the POLITICIANS, and the millions of thieves around the WORLD have victimized all of us. Hundreds of billions dollars are being stolen by con artists, legitimate business and governments around the world.
The YOUNG and the OLD are the ones that have suffered the most. They take the brunt of the fleecing. Unscrupulous SOBís since the beginning of time have been using the Children of the world for slave labor, prostitution and all types of servitude. The scam artists prey on the elderly.
Everyday children and young adults around the world are being kidnapped and forced into a life of slavery. Many governments around the world put a deaf ear to their screams for help. Some of these governments are the ones that are enslaving their citizens of all ages.
The over-eager prosecutors that have convicted innocent people are as guilty as any thief or crook. With the aid of modern technology a number of innocent people have been released from prison. The prosecutors that convicted these innocent souls deny they did anything wrong and still believe the people they convicted are still guilty. This has bothered the hell out of me. Some would not lose a wink of sleep over it.
I have to thank my dear Foxy Wife for proof reading and criticizing my work. Thanks Honey, you are a doll!
William Wallace Wynne
The political unrest in this country and the world, and the vultures that are pulling scams are fleecing the citizen of the world. We are being fleeced 24 hour every day from one source or another. Greed has stuck it ugly head into the hearts and souls of the majority of the people on this earth. Everyone is trying to steal from everyone else.
You may have heard all of this before. Now you will hear it again. The story may be different. The results are the same. Someone is trying to rip you off. We cannot be reminded enough. Beware; today may be your unlucky day.
Has a con artist ever ripped you off? Have you ever been fleeced? Of course you have. Our government is fleecing all of us. They are constantly raising taxes, locally as well as nationally. Have you ever been shortchanged? We overpay for everything we buy!!! Most of us live from hand to mouth, from one paycheck to the next. We cannot afford to be fleeced any more. Let us all wake up to what is going on around us. If I ask everyone that has been ripped off stand up, everyone would be standing. This is very common in the good old USA and the world. If you have a computer, go on the Internet and search for "scams." I did and I came up with 18848 articles on scams. The numbers of scams are growing every day. This is the result of only one browser. Just imagine how many there would be if I used all the databases around the world. Donít think that the scams that are going on in other countries are not affecting you. They are affecting everyone in the world by increasing the prices of the basic needs of all of us. Stocks are traded around the world. Even though the world is approximately 26000 miles in circumference, you can talk to someone on the opposite side of the world. See them on your computer. Jump on a plane and be half way around the world in 24 hour. The good old U. S. of A. is not isolated anymore. Everyone in this world is effected by the illicit activities that are going on anywhere in this world.
People from all over the world are fleecing you. From the highest officials in every country down to the common thief that walks the streets of the world. Your nice neighbor that drinks and drives too fast, the shop lifters, the clerk that helps himself to the cash register, the store that over charges you and many, many more ways that are too numerous to list. All of them are increasing the prices of our everyday living.
My unedited edition was filled with off color words. They expressed my feeling a lot better than the words my dear wife suggested that I use. To all of you Seniors, please forgive me from using the word "coot". Coot is one of the words that I substituted for a no, no word. I am sure you know the word that coot replaced.
All of you old coots out there take notice, scam artist are after your money. They think you are an easy hook. They think we are all senile. This goes for you young coots also. They think you are naive and gullible. The con artist preys on all of us. The Federal Trade Commission Chairman Robert Pitokfsky told the Senate Subcommittee that telemarketing FRAUD and other schemes cost the consumers at least $3 billion to as much as $40 billion annually. You old coots, you are the target of these SOBís. You represent 80 Percent or more of the victims. You youngíuns are the other 20 percent. That is a hell of a lot of money any way you slice it. This is only telemarketing, what about all the others.
I am not trying to scare you. Think before you open your wallet or write a check for something you donít need. If you feel that you have to get rid of all of your money before you say your last farewell, give it to your kids. They will enjoy having that extra money. You can see the joy in their faces while you still can. I think the IRS will let you give them $10,000 a year without them taxing you or them. Donít blame the IRS, blame the jackasses that you elected and sent to Washington to work for you. Call them up, write to them, and threaten to have a referendum to kick their Asses out of their office. If they donít work for you, then donít vote for them when they run for office again.
I donít know if this book will ever get off my computer. My wife doesnít listen to me. The local paper does not publish my letters to the editor. And they limit how many words you can write and the number of time you can write to the editor.
Writing this book helps me to let off a little steam without hurting anyone. And, it lowers my blood pressure. Try it. It will give you something to do and keep your mind alive and thinking. Get yourself a computer, a modem, and a word processor. Find a subject that you like and do a little research. You will have a lot of fun. The prices for computers have gone down and you can get a decent computer for just over $500. Whether you want to write a book or do a little research. It doesnít matter if you cannot type; there are a lot of programs on the market that will type for you. You just talk and the computer types on the screen for you. You will have to do some correcting. With my Southern, Brooklyn, New England, Hawaiian, and Western accent, and my poor pronunciation the damn program doesnít know what to do. I spend more time correcting the mistakes the voice recognition program made than those I made with my hunting and pecking. If you keep typing your WPM will increase. The more you type, the faster you get. After a while you just think and the fingers do the rest. I still have a lot of correcting to do. I found out that I could not spell half of the words that came out of my head. The plus is this has improved my spelling as well as my typing. Anyway, get off the couch; donít let your mind vegetate. Typing will keep our friend Arth Ritis out of your hands.
No matter how many scams are uncovered new ones will pop up. There are millions of con artists out there that want to become rich over night. They do not care who has to suffer and lose their life saving so they can wallow in your wealth.
Also, you may find items in this book that I had written about before. Iím sorry; you will have to forgive an old jackass. I tried to eliminate the repeats.
I am not going to research each detail of a particular sham. I will tell you about them, so that you are aware of them. You may have already been aware of some of these shams that have been going on for many years and someone is continuing the same sham or has put a new wrinkle in the old sham. It is up to you, step back and take a look at what you are spending your money on. You are the one that writes the checks, uses your credit card or spend your hard-earned cash. Donít be foolish. Make damn well sure that you are getting the best deal for your money when you purchase something. Donít be suckered into something that you will regret. If you are using a credit card, make sure you are never, never late in your payment. The interest on your credit card will be extremely high. Be a smart coot!!!! As I said before Coot was one of the substitute words the Foxy Lady made me use.
I want to talk to all of you out there, Mothers, Fathers, Grandparents and most of all the young ones. No matter how young or old you are. Please read what I have to say. Drive these words into all the little ones brains until they know what is waiting for them in this world. Please!!!
You may think some of the things that are listed in this book are trivial. If they only happen to you or someone else once in a lifetime, you are right. That is not the case. Most of these scams are happening to millions of people every day. The cost to the people of the world is in the hundreds of billions of dollars, if not in the trillions.
Whether these scams are legal or illegal we must try to stop them. They are making the rich richer and the poor poorer. You need the money more than the huge corporations around the world. If we donít try to slow them down we all will be slaves to these corporations. Is this the type of society that you want your children and grandchildren to grow up in? If you have gotten this far into the book, donít stop now. Please read the next few pages.
Please read the following. It may keep you from having many sleepless nights.
What I am going to tell you can happen to the best of us. Do everything you can to keep your children at home until they can take care of themselves. Make damn sure you can communicate with them and they will communicate with you. Let them know they can talk to you about any problem they may have, whether it is personal or not. With the desires of the youth of today, I know how tough it is to hold them back. We all want to be free and control our own destiny. We all have wanted to get out of our parentís control. We want the best things in life. We want to feel important.
Kids before you decide to leave home. Think, think, and think. How are you going to support yourself? Where are you going to live? Who is going to provide you with the basics for living if you are not at home? (You will need money!!) If you havenít finished high school, what are you going to do to make a living? It will cost you a lot of money to live alone. Those of you that already have finished high school and college will have a very rough time of making a living. And, it is certainly not easy to support yourself without a high school education. Even with your education and job skills, there are very few jobs out there that will pay you enough to live on. Ninety five percent of the families in this country, good old USA, have a difficult time keeping ahead of the bills that pop up every month. Think twice, if not three or more times before you jump ship and head out into the unknown ocean of life alone. It will be very hard to keep your head above water.
I have traveled all over this country at different times of my life. It is the same, whether it was sixty years ago or today. If you cannot support yourself, you will become a BUM. There is no way around it. You have to have food, clothing, and shelter, they all cost money. Are you going to dig through the trash outside a fast food restaurant with hopes of finding a few fries that someone didnít eat to fill your empty stomach? Are you going to dig through someoneís trash hoping to find some clothing to keep you warm? Are you going to find a cardboard box to sleep in during those bitter cold nights?
Whether you are a boy or a girl, there are unscrupulous people who are waiting to enslave young people. Believe me, every day someone is being enslaved. You will become their slave. If you think living at home is hell, just wait until one of these creeps gets hold of you. You will pray that you never left home, and this is only a nightmare and when you wake up you will not be at home. You will wish you were at home. You will wake up with an empty stomach and pain from hunger in the doorway to hell. Your body will stink for the lack of a bath for a week or two. You will watch those lucky ones walking down the street, smiling, drinking their morning cup of coffee, clean, neatly dressed on their way to work. You reach out to them for a few coins. They ignore you and keep on walking. You do this a 100 or more times before you get enough money to buy a cup of coffee. Is this the type of life that you want for yourself or your kids?
I would like to tell you about a young girl. What happened to her is happening to young people around the world every day. It will happen to you if you do not have the money to support yourself.
She had finished high school, and she was the Queen of the prom. She and her parents thought she was the most beautiful girl in the world. She was a beautiful girl. But, there are millions of beautiful girls in this world. She had dreamed of being a high priced fashion model. She was just eighteen and she thought she had the whole world by its tail. She did not listen to anyone or make any preparation for her future in the modeling field. She was hell bent on being a model and nothing anyone could say or do would stop her. The advice that her friends and family gave her went in one ear and out the other. At this point I want to tell all of you, do not do anything stupid!!!! She did!!!
First she did not have enough money to support herself for a month. Second, she had never had any experience at modeling, nor did she know what she had to do to get into the modeling field. There are millions of young beautiful girls trying to get into the modeling field every year. Only a very few ever get into the business. They are the lucky ones. They are not only lucky; they planned, prepared, and had the guidance of someone that knew the modeling field to guide them.
If you have the financial backing of your parents, they will support you through all the problems that you will encounter, and they will be there when things get rough, then go for it and good luck. (There will still be many problems that you havenít prepared for!). I suggest that you stay at home until you have broken into the field where you can support yourself. Save your money and use it to get into the field of your choice. If you are doing it on your own, make damn sure that you have researched the field that you wish to enter, have a skill that will support you until you get into your desired line of work. Most likely, at first you will not make enough money to support yourself. Make sure you do not get into debt. Donít start off your life owing someone money. Things will be tough enough without having this extra burden,
Let's go back to the young lady. She took off for New York with only a few hundred dollars. She did not have a place to stay nor knew where to stay while she was looking for a job. No sooner than she gets off the bus in New York a pimp spotted her and tried to strike up a conversation with her. She ignores him. He went away but he kept an eye on her as she wandered the streets of New York and not knowing where to go and what to do. Fear and indecision engulfed her. She should have turned around and headed for home. But, her pride stood in her way.
After about four hours of trying to find a room that she could afford, she found a fleabag hotel. With only the few hundred bucks she had, she would not be able to stay there very long.
She spent many hours walking the streets of New York searching for a modeling job. When she found an opening, there were dozens of other beautiful girls applying for the same job. Due to the fact that she didnít have any experience or references, she was turned down repeatedly. She tried her best. That was not good enough. She looked for a modeling job every day without success. There were hundreds of beautiful young ladies doing the same thing she was. At some of the places she had to provide sexual pleasures to get the job. At home she was the big fish in the pond. In New York she was a just a minnow in an ocean. It was beneath her dignity to work as a waitress at night, or any other job to help stretch out her finances.
In little over a month she was flat broke. Her pride kept her from calling her parents and going back home. (Donít ever be afraid to talk to your parents. They have cared for you this long; they will care for you now.)
The pimp that she had met the first day she was in New York had been keeping an eye on her. All the others young ladies in his stable were hooked the same way she was going to be hooked. He knew that sooner or later she would be broke.
When she was kicked out of the hotel, she was broke and didnít have a place to live. And she didnít have enough money to go back home. The pimp had given the desk clerk a few bucks to let him know when she was tossed out on the streets. The pimp waited for her to leave the hotel. He followed her in his car. The pimp let her roam the streets a few hours. When he knew the time was ripe; he knew she would be tired and hungry. He pulled up in his big beautiful car and rolled down the window and called to her. She came over to the car and he inquired if she wasnít the young lady he saw a few weeks back. She told him that she was. He wanted to know if she was going back home. She told him no. He wanted to know why she had all of her suitcases with her. After a little more probing she told him her tales of woe. He invited her to dinner and she accepted. During the drive to the restaurant the pimp primed her and she told him her life story. The pimp gained her confidence, and told her that she could stay at his place until she got a job. And, of course she accepted his kindness. She was hooked.
He gave her money and showered her with expensive gifts and beautiful clothes. She lived the life of luxury for a few months. Then all hell broke loose. She didnít have a job and he wanted her to pay back all the money he had given her. Also, he took back all the gifts that he had given her. He told her to get out of his apartment and he still wanted his money back.
She packed her bags and was about to leave; the pimp reminded her that she still owed him a lot of money and he wanted it back. He told her there was a way that she could pay him back. Need I tell you how? He said that he ran an escort service and he needed someone to go out to dinner with a man that was in town on business. She jumped at the chance. She didnít ask if she had to sleep with him nor did the pimp say anything about it.
She had met some of the other girls that the pimp had hooked. They had talked about being a prostitute and she was never going to be a prostitute. Little did she know? She had been warned.
The pimp gave her all the information on the customer. She met the man at his hotel and they went out to dinner. He invited her to his room for a few drinks and she went with him. When the man got down to the real reason she was there, all hell broke loose, and she ran out of the hotel.
When she got back to the pimpís apartment and she told him what had happened he beat the living hell out of her. He asked her, "What in hell did you think I sent her there for.Ē
He told her that she just cost him $500. She would have to come up with the money or he was going to kill her.
Within a few weeks she was turning tricks and he was supplying her with coke. In a few months she was so addicted, she became useless to the pimp. He kicked her out on the streets. She peddled her ass for just enough money to get a fix. She hooked up with a male junky. He had her begging for money on the streets. She looked so bad that she couldnít sell herself, even though she tried. She was having sex with every bum on the street just to share his booze, a drag off of his joint or just a bit of food. The only shelter she had were the doorways of old building.
When the winter came around and the nights became very cold she was found dead in a back alley. Among her meager possessions was her home address. Her family is still having nightmares, wondering what had happened to their beautiful young daughter.
Whether you are leaving home to get a job, go to school in another city or whatever the case may be. Be careful; keep a conduit of communication with your parents. Donít shut them out. If you cannot communicate with your parents, keep a channel of communication to someone that can help you, whether itís a friend, your grandparents, a relative, a casual acquaintance, or an enemy. They may have a soft spot in their heart and get in touch with someone that can help you out.
If you are old enough to go out into the world on your own, you are old enough to discuss your sexuality with your parents or relatives. Never let someone talk you into giving them sexual gratification for a promise of a job or anything else. More than likely they will renege on their promises. And, you will have lost your own self-respect and cheapened yourself. That person knows it and the word will get around. Donít cheapen yourself. Your reputation is worth more than a promise for a job. How many times must I say this? Donít do anything stupid. And, donít let this type of thing happen to you.
The very same thing is happening every day all around the world. The stories may differ, but the results are the same. Please donít let this happen to someone in your family. This can happen to boys as well as girls. The end is usually the same.
This has been going on since the beginning of time. The hustlers of this world have been enslaving children and still are. Many years ago when I worked as a cab drive in New York City I saw these poor kids wandering the streets of the city and begging for a handout. It is still the same in all the cities across the country and the world. You name the city and you will find them wandering. They are not only wandering the street of San Francisco, L. A., Boston, N. Y., Miami, Atlanta, and New Orleans; they are right in your own hometown. The reason you notice them in the larger cities, there are so many of them, and it is obvious. Just because there is only one or two in your hometown, do not ignore the problem. That one or two is too many in any hometown. Help them out. Ignoring this problem only leads to larger problems later on.
There are kids around the world that have been kidnapped or have run away. It doesnít matter which way they were lost. It is a tragedy for their love-ones. I have read that there are 750,000 are lost every year in the United States. If you ever lose one of your children, there is an origination that may be able to help you. It is the "National Center for Missing and Exploited Children. Where are they? What type of life are they living? You can call them at 1-800-THE-LOST (1-800-843-5678). They are also on the Internet. www. Missingkids.com.
Every moment of every day someone is being sold into slavery. Is your child one of them? No place in this world is immune to slavery. You or your children can and may become victims. These poor souls are being sold into a life of hell, whether it is into prostitution, slave labor, or any other forms of servitude.
How does one become entrapped into slavery? Theyíre countless ways people become victims. We all are not born into wealth, but we all want the better things in life. I am no different. When your circumstances are beyond your control or your desires override your common sense, you are a prime target to be hooked into slavery. The old saying if it is too good to be true, it probably is. Donít be a fool. Make damn sure you know whom you are dealing with. Donít let someone con you into a job that takes you away from your home and friends. Make sure you do not have to pay the agent that gets you the job, or anyone else. There are many agencies where the company pays the fee. If you have to pay the agent you are putting yourself into debt before you are employed. The fee that they charge may be more than you can ever pay off in the next 20 years. The salary may not be enough to pay off the interest that the lender is charging. You think this is crazy. Many unsuspecting souls around the world are being hooked every day into a lifetime of debt. This can happen to you in the good old USA and in every country around the world. This is happening all over the world.
The first 18 years of my life was spent in the hot, sweltering, and dusty, Mississippi Delta. My family had to scrape the bottom of the barrel just to survive. Like thousands of Blacks and Whites they had to make do with what they could scrape together. We didnít starve, but we ate a lot of grits and potatoes seasoned with fried pork fat. We were well off compared to most of the people. My Mother being a seamstress and my father a barber did bring in a few dollars to keep a roof over our head. We didnít have the best of clothes, but they were clean and neat. During that period of my life I saw and heard things that were engraved in my mind. They keep surfacing today. Writing about slave labor has triggered something that has always been on the top of my mental database. The Blacks had been freed from slavery for half a century. As I look back at that period of my life you would not have know that slavery had been abolished. For the few cents they earned for a day of incredible hard labor was unimaginable. The fragile little ladies working in the Cotton fields dragging those heavy cotton sacks all day in the hot sun left an incredible picture of servitude that branded my mind. The men carrying 500 pound bales of cotton form the platforms into the freight cars all day long for a measly few dollars also left a lasting impression in my soul. There are many more memories like this still floating around in my head. Most of this data was planted in my mental database before I was 10 years old. To this day when I see people of any race slaving like those poor Blacks it tears at my heart. Throughout my life I have not been able to put another human being through the torture of heavy manual labor.
My wife and others have asked me why I had not hired someone to do a job that required very strenuous efforts. I cannot force myself to put someone else through physical hell. Thanks to my wife I keep myself physically fit so that I can go through the physical hell so no one else has to go through it and my conscience is clear.
When I get old and feeble then I will have to hire someone else to go through the physical hell. I know there are many poor souls who would love to have the opportunity to go through the physical hell so they could make a few extra dollars. I hope that someday no one will have to go through any type of hell on this earth.
These sweatshops and slave labor manufactures are robbing people of their lives. You donít believe me? Almost every country around the world has these sweatshops or something similar. Every now and then one is uncovered and you will see them in the paper or on TV. This does not stop them. They set up shop someplace else. Who are they manufacturing good for? They are providing goods for the major merchants around the world.
If you are young and desperate for money, you are a prime subject. Please donít let this happen to you or your children.
If you have a gun or guns around your home, make damn sure that kids and young adults cannot get their hands on them. There are thousands of young people that are being killed by guns every year.
I read an article that said, almost 80,000 young people under the age of 20 were killed and over 300,000 were wounded between 1979 and 1997 with guns. Doesnít this alone tell us that we have a very serious problem with young people with guns?
How do these kids get the guns? Most of the time, they are lying around their own home or their relativeís home. If they have the money they can find someone on the street that can provide them with a gun for a price.
There are many reasons that kids want guns. I thing the most predominant reason is fear and hate. Our kids have a very difficult time growing up. There is more pressure on them today than the kids had when I went to school. Of course, we had bullies, hate, and other pressures that bothered us. With the advancement of the media we see almost instantly the problems that are going on around the world. In many cases it is very informative. On the other hand, the good with the bad is spread around the world. There will be people that will disagree with me. We can see the copycat crimes that are happening around the world whenever a new wrinkle pops up.
I do not think the media should be censored. They should use some judgment on the type of news that is damaging to the welfare of the world. As long as they think there is a buck in the story they will plaster the incident on the front pages of every paper in the country. The TV industry is no different. No matter what station you watch it will be flashed around the world. For the few dollars they make in advertisement they are setting a train reaction that will cost the world lives and millions of dollars by releasing these acts of violence to the public worldwide. We will pay for this ten-fold. Please lock up your guns; the next shot that is fired from it may kill you or your love ones. Donít say, "This will never happen in my family." What make your family immune? Please do not let this happen in your family.
I told you that between 1979 and 1997 80,000 of our children lost their life from guns. Every day 15 children are killed by gunshots. I said this before. I will say it again. I want it to sink in and hope you will remember it!
Just think about this, will your child or grandchild become a statistic? I hope not.
There is many ways to prevent a gun from firing. For just a few, have the gun plugged, remove the firing pin, remove the clip, disassemble the gun, and hide the parts in different places. If you can delay someone in a fit of rage from getting his or her hands on a gun it may save a life. That life may be your own. The sure way to keep your guns out of your children hands is, do not have them around the house.
I wrote the above in early part of 1998. Look at what has happen since then. Do we have to have a tragedy to change the laws of or country to make it a safer place to live? The Republicans have been fighting gun controls with President Clinton for too long. I read in the paper that one Republican is starting to wake up to the danger of guns in the wrong hands. What is it going to take to wake up enough Republicans that are in the back pockets of the gun manufactories? Will someone in their family have to be killed intentionally or by accident before they wake up? It is always someone else that has to suffer from the actions or inaction of the politicians, not the politicians.
Denies any wrong doing:
Have you read these words in the newspapers or heard them on your radio or TV? I have, many times. These are the words that are spoken when a large corporation or others have been caught with their pants down. They have been crapping all over you.
Many corporations add a fee or a surcharge to their bills. They come in many forms. Some are legal, but uncalled-for. Not much is said about these charges until you complain about them. They are costing us billions of dollars each year. Itís not only the corporations your local government as well as state and federal add additional fees on everything you purchase. Most of these extra charges will not appear on you retail receipt. Sometimes utilities will have a string of these surcharges. If someone complains to the authorities about these charges and they are found to be illegal then you will hear those all-famous words, Denies any wrong doing".
Most of you will know what a cost overrun is. For those that do not know, I will try to explain. Whenever a project is planned a cost estimate is given. The extra money that we have to pay over the estimate is a cost overrun. I know it is hard to estimate the cost to the penny for every project and maintain the cost within the estimate. I can understand when the project comes within +/- 5 or 10 percent of the estimate. The amounts that run 20 to 100 percent over the estimate are the ones that disturb me.
Your community or state comes up with a project that sound good. The government approves of the project. They add a tax surcharge to your taxes. It may come as a 1 or 2 percent added to your sales tax or it may appear on property tax or you income tax. The tax is added into the law. You have to pay for the project. You have no choice, you will pay for the project whether you like it or not.
You start paying for this project two or the years before the project is started. By the time the project the cost of living has gone up and the cost of the project has gone up. The estimate that they had when the project started is way out of whack. The price now is 1Ĺ times the original cost. Time passes by, and the project is finally finished. The final cost was double the original estimate. For the next ten years you and I are paying for the cost overrun. That not all you are still paying the extra tax that they slapped on you at the beginning of the project and it has not been removed from your tax bill and it never will be. Over the years I have seen this happen too many times.
This scam has cost the taxpayer trillions of dollars over the years. Every level of Government has pulled this scam. There have been many projects that have had cost overruns. There have been local, state and federal projects that have had millions of dollars spent in cost overruns. You will very seldom hear about these cost overruns. They are paid and forgotten about. Your government leaders are not going to tell you that they have screwed you out of all that money. You would never vote for them again. It has been so long since the taxes were added to our tax bill and they lumped the taxes all together, most of us have forgotten about it. They have this extra money coming in, and they have another project in mind, why give it back to the public? They can finance the next project without raising taxes again. But they want; they will hit you with another cost overrun.
There are fishing communities around the world. The salaries of the fishermen depend on the catch, after the expenses are paid. The percentage of the catch the fishermen receive is usually very low. The major portion of the catch usually goes to a company that controls every aspect of the fishing business in the community. They own and/or control the dock, the boats, bait, and the lives of the fishermen.
They charge a fee for the use of the boat and the dock. They are the middlemen for the bait the fishermen use. They control the price that they pay for the baitfish and how much money the other fishermen pay for the bait. They control the price the fishermen get for the catch you purchase at local market. They control the price you pay for the fish. They have their fingers in every transaction.
Whether they are fishing for cod, lobster, crab, shellfish, tuna, swordfish or any other type of aquatic creature itís the same.
In some countries around the world boys as young as 9 or 10 are hired to retrieve fish caught in nets that are still in the water. I should not have said hired! They get a place to stay and a meager ration of food. They are slaves. Fishing is one of the most dangerous occupations in this world. The next time you enjoy an aquatic delicacy, remember that someone risked their life for your enjoyment.
My heart goes out for those who risk their lives every day for a meager existence. I canít blame the companies that run the fishing industry for wanting a return on the money they invest. I wish there were ways for the ones that risk their lives could get a larger share of the profits. I think the fishermen of the world are being fleeced.
What about fine print? The legitimate businesses sting the seniors and everyone else more than any other scams especially the seniors because of their eyesight. Most of us are lazy and donít want to be bothered with details. Why do businesses try to hide the fine print, and put what they have to say in fine print? Well, I will tell you. If most of us read the fine print, we probably would not buy the item. It is so confusing and in a language that I donít think the writer knew what he had said. But, the companies want to cover their Asses in every way possible. I am no different than most of us. But, it bugs the living hell out of me every time I see it.
Every time I see an asterisk, or any other notations concerning a product. I look to see what they have to say. Usually they put it at the bottom of the page. Then they will tell you to go to another page. When you finally find the fine print, you cannot read a word even with a fifty-power magnifying glass. (What I just said was, "You can not read a word even with a fifty-power magnifying glass.) And, they lump all the exceptions in one place. You can spend an hours trying to figure out what they are saying about the item you want to buy. All I can say, if you have to have the item and you want to take the chance that you wonít get stuck then buy the damn thing and pray. If the advertisement is too good to be true, donít buy it; it will probably fall apart before you get it home. Personally, in a lot of cases I go ahead and buy the damn item because I want it. But, I will look for a similar item that is manufactured by another company and compare the two items before I purchase one. Good luck.
After you have had your purchases rung up, did you check the receipt or watch the register as your purchase is rung up? Did they ring up the same item twice? If the item was on sale, when the cashier rang up the item, did they ring up the sale price? A lot of times they ring up the original price, not the sale price. Have you seen an item advertised fifty percent off? When you get to the store there are none of these items on the shelf. They will give you a poor excuse why they do not have the item. They are all sold out. Ask for a rain check. If they say that it was a limited offer, and they say that there were only 4 or 5 at that price. Check the flyer and see if they mentioned the quantity that was for sale. If it is, I will bet it was in very small print.
Have you seen an item on a shelf marked down to a lower price, when you get to the register they ring it up at a much higher price? When you questioned it, they tell you that the item that you have is not on sale. They tell you that the Bar Code reading of the item that you have is not the one that is on sale. You go back to the shelf and there are none of the items above or below the sale sign with the Bar Code reading of the item that is for sale. The items on the shelf looks just like the items that are shown in the advertisement. Put the damn thing back on the shelf and donít do business with the store that pulls this type of crap. Let the manager know that you are pissed off, but do it calmly. Let him know your intentions. Do your shopping somewhere else.
I wrote the above at least a year or maybe two years ago. I was proof reading the above when my wife was shopping at one of the largest food chains in the country. They had advertised 3 cans of tuna for $1.00. When my wife got to the register they rang up a price twice the advertised price. The little Fox said, "They are 3 for a $1.00."
The cashier told her the "water packed" were on sale not the "oil packed". She had them change the "oil packed" cans for the "water packed". The "water packet tuna" was on the opposite side of the store and the sale price was not shown. The "water packed tuna" was not in the area where the tuna is usually is kept. The "oil packed tuna" was in the usual area.
I looked at the advertisement and it did say the "water packed" were on sale, but in small characters. I wonder why they moved the "water packed tuna" to the other side of the store. How many customers bought more tuna than usual at the higher price thinking they were getting a bargain?
This doesnít have anything to do with food or clothing. Two weeks ago I was looking for some concrete garden blocks. The store had a display outside with the prices for all of the items. The one that I wanted had a price tag extending across the face of the block. I assumed that was the price of the block. That is where I made a mistake; donít assume anything. After sweating, loading the blocks, and wheeling the heavy load on a very hot day to the checkout counter the cashier rang up a much higher price. I told her that the sign outside had a lower price. She walked outside with me. She looked at the display and said that was the price for the block above the sign. She told me that they always put the price below the items, not above. I paid for the blocks and told her I wanted to talk to the manager. The manager went outside with me to the display and I asked him what was the price on the blocks that I purchased. He looked at the blocks on the cart then looked at the blocks on the display. He told me it was the price that was over the block. I told him that they charge me the price that was below the blocks. I explained to him what the young girl had said that prices of all the items in the store are always below the items. That was not the truth. He told me that the display was misleading and he said for me to go inside with him and he would sell the blocks to me for the lower price. I was too hot and tired to push the heavy load any further. I thanked him and declined the offer. Of course when I got home and told my bride what had happened, and I didnít go back into store to get the refund. The Fox gave me hell.
The display is still up there with the prices for the less expensive items above hanging across the face of the more expensive items below. I wonder how many times this has happen to other customer. Every time I look at the display I wonder if it is deliberate. The following is similar.
You pass a table with different items in a row across a table. Above or below the items is a row of prices in large letters. The description of the item is below the price in very small print. The prices above or below the items are not the prices of the items. You have to read the fine print to see what item the price is for. The items and their respective cost do not line up. For an example, peaches are not in season. Letís say that at this time of the year they are selling for $2.00 a pound. The sign above the peaches is marked 50 cents a pound. The apples are 50 cent a pound, but the price above the apples is not 50 cent a pound. You put a couple of pounds of the peaches in your shopping cart. You think that is a bargain. When you get to the checkout counter the cashier ring up $2.00 a pound for the peaches. If you didnít check your receipt, you just got ripped off. It you did check your receipt and the price for the item was much higher than the sign above the item, you tell the cashier that the sign indicated the item cost 50 cent a pound. The cashier pages or calls someone to check the price. Of course you are wrong. The price and description is not for the item you bought. Many of us trusting souls pay a very high price for items, and do not check our receipts or watch the register. Almost every time I go shopping I find an error in the sales slip.
I went shopping for some little fancy bags. The sign on the rack said 99 cents. I selected 5 different bags. I looked at the fine print under the 99 cents. If said, "Was $1.49." When I got to the checkout counter the cashier rang up more than the $4.95 it should have been. I told her that the sign on the rack stated that they were 99 cents. She told me some of the items scanned were $2.50. I went back to the rack and there were higher priced bags mixed in with the $1.49 bags. If I didnít watch how much she rang up I would have paid over twice the amount that I expected to pay. Some of the same bags that were marked $1.49 were identical to the ones that were marked $2.50. I switch the ones that I had that were marked $2.50 for the ones that were marked $1.49. The bags were over priced at 99 cents.
When you are buying a perishable item, check the dates on the item. They will put the item that has been on the shelf the longest in front. A lot of items in the stores across the country should have been removed for the shelf many weeks before. Check the date on the item. This goes for all items that are not used within recommended life of the item, batteries, film, chemical, and even water. Some of the bottled water has more bacteria than your city water. Just be careful.
You are walking through the store and you see an item that you would like. Letís say the price is $25. The price is too high and you walk away. The following week you see an advertisement 50% off on the item you wanted. For $12.50, you would buy the item. You go to the store, and what do you see? The item is still $25. The sign says, "Was $50." They got you in the store again, didnít they? Even though you are mad as hell, you bought something else. They got you!!!
The Federal Trade Commission said that merchants across the country have over charged the public. Why? The bar code readers across the country are all screwed up if they ringing up the incorrect price of the items you are buying. It is not that the computer that is ripping you off, itís the company. They deliberately leave the original price in the computer and programmed for the old shelf price. Or, the computer programmer has not put in the new sales price. Or, the scanner needs to be replaced or repaired. Keep a list of the prices of the items that you buy and check them against the sales slip. It is not only the database ripping you off; the scanner is helping the store rip you off. Donít be intimidated by an irate cashier. It is your money they are stealing from you. You are the one that should be irritated and furious. Donít blow your cool, if you are sure that you are right and they have over charged you, calmly and firmly let them know you are tired of being ripped off. The managers of the stores know that they have a problem. When you prove to them that they have over charged you, the manager will tell you they are sorry and they will have it corrected. I have deliberately returned to the store the next day and the problem had not been corrected. Some stores will give you the item at a reduced price if they are at fault. You need the money more than the store does. Take it.
(Make sure they charge you the price that is marked on the item or that is displayed. If you can, give the cashier the correct amount of your purchase.)
You purchase a item, go to cashier, they ring up the item, you give them a large bill, they place a bill in front of you, and give you the loose change, the cashier looks away, you pick up the bill and change and walk away. Did you count your change? They gave you a smaller denomination bill than they should have. The trick is, when the cashier turn away, you assume that they are finished with you and you walk away shortchanged. If you havenít picked up the bill and change and you are still waiting, they have the rest of your change in their hand and will give you the rest of your change. That pause is very smooth and most people never notice it. The cashier will look like they are thinking about something else. What they are doing is watching you out of the corner of their eye reaching for your change. You should also watch out for this trick in ticket booths and change booths, it can happen everywhere. Remember that they have practiced that routine hundreds of time a day. Think how much money they are making fleecing the public.
For an example, you make a purchase of $2.75. You give the cashier $20. They should give you $17.25. The cashier gives you $7.25. They turn away. You take the $7.25 and donít count your change and walk away. You have been had. If you counted your change and you are still waiting for the $10. The cashier has the $10 in their hand and turns around and gives you the $10. Just remember to count your change.
Being 73 years old I have notice the prices change over the years. Who hasn't! There are many ways the manufacturers have fleeced the public. Being addicted to candy, cookies, and all the other sweets, I have watched the shrinking of candy bars. I remember what a nickel would buy you, that candy bar will cost you a dollar now. Over the years they did not change the size of the wrapper, they changed the size of the candy bar inside the wrapper. They were stealing from all of us and they still are. Yet, being addicted, we pay the price for the smaller candy bar.
Have you noticed the size of the little cardboard tube that the toilet paper is rolled on? Not only has the tube size grown, also the amount of paper on the roll has shrunk. And, the prices per roll have gone up. The paper on the roll is waffled and the paper is loosely wound on the roll. Basically the overall size of roll hasnít changed too much. The length of the paper has been drastically shortened. The manufactures are shafting us four or five different ways. Maybe we should go back and use the mail-order catalogs instead of toilet paper until the paper industry gets the scent.
When I was working a million years ago, I always bought a container of milk for lunch. I noticed one day that the container was not quite full. This made me start looking inside the containers every time I bought a container. The amount of milk in the container continued to drop. I look at the quantities in ounces that were printed on the container. It was 8 ounces. Months would go by then the price of the milk would go up. Then I noticed the container would be full again.
The containers were at least 2 ounces shy or the 8 ounces. That is 25% less in each container. The milk companies would be buying the milk from the dairies. Letís say a company bought 100,000 gallons of milk. To keep the records straight for Uncle Sam they could only report 100,000 gallons sold. What happen to the 25,000 gallons they cheated us out of? Are the milk companies still cheating Uncle Sam and us? The milk today has more water in it than it was years ago. Of course we can see through the plastic jugs and they are all filled up, with what? Water!
I have noticed that in many containers the quantity of the items that you are paying for does not fill the container. I called the manufacturers of a number of the items. I complained that the containers were only about ĺ full. They assured me that the amount in the container was correct to the amount that was stated on the container. I had to look all over the container for the quantity. The quantity was in small print. I asked them why they didnít put it in a smaller container. They explained that the contents being put into the container would overflow the container if the container size were reduced. They put up a good argument. I told them, with all the high-tech systems around and the money they are making, they would save 25 percent on the cost of the container material, and all the other savings for having a smaller container. They all thanked me for my suggestion. I still find the containers are about three-quarters full, if not less, in a lot of items. What, they want you to think is that you are getting more for your money. Larger boxes, more inside, ha, no way in hell are they giving you more.
On the opposite side of the coin, they fill the container to the brim. I am talking about junk food, Chips etc. The cost of junk food is outrageous. Many stores will almost give you a 10-pound bag of potatoes. A bag of chips that is the same size, as the 10-pound of potatoes is 8 to 10 times more expensive than the 10-pounds of potatoes, and a fraction of the weight. Donít buy those bags of air. If you like chips, make them at home. You will get a lot more from the 10-pound of potatoes than you get from those bags of air. This goes for all the junk food. The food stores stack them all close together. I know they taste good. I like them too. Just donít make it a habit. You are throwing your money away.
When you purchase bread do you pick the loaf that is cheaper, larger, lighter, or heavier? I like good heavy breads that have nuts, grain and/ or raisins. Some of the loafs are so light and contain 60 percent air. The cost is almost as much as the ones that are twice as heavy. You are paying for the air in the bread.
Whether it is money or goods you are being shortchanged. Buddy, you are being fleeced.
Have you bought a house lately? Have you seen the so-called model homes? Donít they look fantastic? Donít be confused by the price. You are not going to get that house for the price that is listed. Did you notice those little tags all over the house? My friend, they are options. Everything in the models that makes them looks beautiful options, options, and more options. That includes everything from the roofing material, exterior and interior walls, flooring, rugs, cabinets, front door, fireplace, etc. etc. etc. Need I say more? Before you sign your life away for 20 or 30 years, check to see just what you are getting before you sign on the bottom line. Check the tax assessorís office to see if there are any liens on the property. Inquire about the landscaping and sprinkler system, central air, number of garages, gutters, easements on the property, and make a final inspection to be sure everything you are paying for is installed before you sign. Remember that you are paying for the house. It is your money. Donít let anyone pressure you into doing anything that you donít want to do. If you can, spend about 4 to 6 months looking for the perfect home for yourself, not for someone else. When you go to the closing make sure that everything has been completed before you sign your life away. If things are not to your satisfaction, have money put in escrow for the things that need to be finished. Or, wait until all the things are completed. It will be well worth the time you spend. By the time you finish you will know that you have done your best! Good luck!
If you get a call on the phone or an e-mail telling you that they are representatives of your Internet service provider and they tell you that they are confirming your account and or any other question regarding your Internet service or password, hang up on them or donít reply to the e-mail. Report it to your Internet service provider. They will not call you or e-mail you for any type of information about your account.
The scam is, to get your confidence they will offer you a prize or free time on the net if you give them a few minutes of your time. This scam takes many forms. They may tell you they are doing a survey for a company. Or, to give you better or faster access to the net. Whatever the reasons do not discuss your account or password with them. Once they have your confidence, they will say, "Oh, what is your password, your account number, your credit card number or other personal information that may cost you money.
Another scam in the same or similar category is to give you a gift for some personal information. Without you knowing it, you have changed your telephone service provider. You may get a small gift in the mail. But, you will also get a telephone bill from a different service. You have authorized them to change your telephone service.
These creeps are smooth talkers. Please donít let them sucker you into changing your service unless it is a better deal than the one you already have. My wife is always looking for a bargain. She had one of them switched our telephone service. They promised her all types of free service at a much lower cost than our present service. When we got the first monthís bill, it was more than our old service and none of the freebies that the caller had promised. She called the Phone Company that had our line switched and told them to switch us back to our original carrier. Not only was the phone bill higher, we had to pay for the service to be switched back. Donít let this happen to you.
Are you ready to buy a car, have you seem the prices lately? I havenít, they only give you the monthly payments in their advertisement. The advertisement will say only $495 a month. How many months? What is the interest rate on the loan? How long will I have to pay $495 a month, for the rest of my life, probably?
When they do give you the price, donít believe that is the amount you going to pay for the car. Notice the fine print under the price with an asterisk (*). Somewhere on the page you will see the asterisk (*). It will tell you in super fine print, that it does not include any part of the car, only the keys. The car you are going to buy for the price that is shown in the paper does not include shipping, taxes, AC, automatic transmission, fancy wheel covers, radio with CD player, white wall tires, cruise control, the fancy chrome, the big engine, power seats, keyless entry, the spoiler, and a dozen other things that you see in the demo. The price you see in the newspaper is the stripped model. Or, they only had one for that price and it has already been sold. Who are they kidding?
Be careful when you are shopping, donít be confused with the sticker price. Look for the total price. Make sure that you are informed of all the hidden costs that are not included on the sticker. Ask about the taxes, shipping charge, dealersí preparation, and any other charge that you can come up with. They will also add other charges that other dealers do not have. Donít be bashful. Always have them give you the total price. It is your money that you are spending. Make sure that you are not charged for anything that you do not want. Give yourself plenty of time to shop around. Do not buy a car on impulse. Donít let them know that you are going to trade in another car. If you do, they will jack up the price, and you will not get a cent for the car that you are trading in. Most of the new car dealers donít want your trade-in, unless it is a bargain. These sale persons know all the trick of their trade. If they donít, management will send in the first string. You may have been talking to the second string.
Research, research, and research before you go into the car lots. Like a home, you will be paying it off for some time. Get the car you like. Know the car or cars that you are considering. Take a pad, pencil, and a calculator with you when you go shopping. Write down all the prices. Not only the basic price for the stripped model. Write down the price for all the options, handling, shipping, dealersí prep, taxes, and all the other little things that different dealers tack on to the price. All the dealers have different chargers and different names for them and different prices for the same thing. Before you leave home do your homework to make sure you are making the right decision. Go to the library, go on the Internet, and ask others that have bought the same car that you want to buy. Know more about the car that you want than the sales person that is going to sell it to you. Donít let him stick it to you.
Another one of the gimmick that the car dealer does, it is kind of a bait and switch. They will advertise that they have a car for a very, very low price. If you call up the dealer that had the advertisement, they will tell you all type of tales. It was just one car at that price and it has been sold, the salesperson doesnít know anything about it, or they will try to interest you in another car. The advertisement was just to drum up a little excitement. All the salespersons are sitting around on their fat Asses.
If you have visited the same car lot 4 or 5 times and the same sales person has waited on you each time and has spent a lot of time with you, do not feel obligated to buy a car from him. That is his job! You have a job to do when you are at work. You may not like the things that waste your time and not get paid for it. He may not like waiting on you. Donít feel sorry for him and buy a car from him just because you feel guilty for wasting his time. Buy the car that you want and at the price you want to pay for it. You should like the car that you are buying. You will have to make all the payments. Satisfy you, not the sales person or anyone else!
When you get to the bottom line, go back to the top and know that you understand what every item mean. Check every line to see if they are giving you the deal they have said they were giving you. Make sure they are giving you credit for your trade-in. If the dealer is giving you a loan, make sure the interest rate is the same that they had promised you and the payment reflects the correct interest.
Before you sign on the dotted line, take the contract and tell the salesperson that you want to go over the contract by yourself. If your wife is with you go into a room where you are alone and check every item in the contract. You may not find anything wrong. If you donít review the contract and sign it you may hate yourself later for not doing so. Not to say the dealers are not honest, there may have been a misunderstanding between you and the dealer. For your sake, go over the contract.
I shouldnít complain the prices in other countries are a lot worse than they are here in good old USA.
Every year people around the world purchase millions of new and used cars. Why are so many cars being bought? There are a few good reasons. The ones that I want to tell you about are those that are bought to replace the ones that were destroyed by accidents. Have you notice how the manufactures advertise their new cars. They show how rugged and how well their cars will handle on a curved road at high speeds. They insinuate that their cars are indestructible. They display unsafe driving habit for the eyes of the young. They promote all the large auto races across the country. They donít tell the young teenager, that canít wait to get his drives license, the cars in the races have been specially modified to hold the road at high speeds and to protect the driver. The drivers are well trained for this type of driving. The ones that you see in the races are not the one that you will be driving off the car lot. Most of the cars that are in the races have steel tubes welded around the inside of the car. These cars can be rolled, flipped, and rammed into without the driver being seriously injured.
There are more teenage deaths from auto accidents in this country every year than any other factor. There is not a day that goes by without hearing about a teenager in an auto accident. During the Vietnam War, I read an article that said more young men between the age of 18 and 21 were killed in auto accidents in U.S.A. than those of the same age group were killed in Vietnam. You say that you donít want to send your children to war. Yet, you have not spent enough time with your kids before they are let out on the battlefield of the interstate. This is a tragedy that is still going on. Please spend a lot of time with your kids and stress the importance of safe driving habits. If they do not practice safe driving when you are not in the car, take the keys away from them.
Remember monkey see monkey do. When you are driving and your kids are in the car with you, make damn sure you practice safe driving habits. Donít speed, run red light, cut in and out of traffic, tailgate, talk on the cell phone, and fool around with any other hi-tech device and any other careless driving habits while you are driving. Remember that you have been driving for a long time. You may be able to get away with some of the things that you do that are not safe. Your children have not been driving all the years you have been driving. His or her lack of experience and your reckless driving habits may kill your child. Donít say you are not a reckless driver. We all do foolish things while we are driving. If you cannot control your poor driving habits when your children are in the car with you then have someone else drive. Do not set a poor example for your children.
I should not be the one that criticizes young drivers. I did a lot of foolish things in my life. Fortunately, I was never in any serious accidents. While I sit in my car in a shopping center waiting for my wife while she is shopping, I watch the drivers. I am not going to say all the young drives are at fault with most of the accidents. But you can tell the ones that think they are above it all. They have their baseball cap on backwards and they have gutted the muffler on their car or truck. They zoom in and out the lanes of the parking lots as if they on an obstacle course at a speedway. Many adults are very careless drivers also. They are on their cell phone, reading the paper, looking in the back seat, and scolding the kids or some other activity that keeps their eyes and mind off of their driving. The important thing is that they could not stop if someone stepped out from between two cars. The reaction time is the killer. You cannot react quick enough to stop the car before you hit someone. There should be a national law forbidding speeds over 15 miles an hour in parking lots and in many cases 15MPH is too fast.
To all you young mothers, PLEASE BE CAREFUL. Do not push your childís carriage out in front of you when you are walking between cars. Drag the carriage behind you. The number of larger RV and Vans has increased 10-fold in the last few years. Even if the driver is driving at a safe speed he could not stop if you pushed your child into the cars path. Put your child in the carriage and pull it behind you. Look both ways around the parked cars before going into the car lanes. PLEASE! I have seen too many near misses; it scares the hell out of me when I go between cars. This also goes for crossing the street even if you are crossing at a crosswalk. Moms when you are out with your little ones and you are about to cross the street, stop whatever you are doing and pay attention to the traffic. Practice what we all have been taught, look both ways before you push the carriage into the line of traffic. Make damn well sure they all have stopped. Especially the ones making a right turn on RED! Some people think if they can turn right on red and they donít have to wait for the pedestrians.
Recently a young girl pushed a shopping cart out into a line of traffic. A car hit the shopping cart, in turn the shopping cart slammed into the young girl. At the time I read the article she was very seriously injured.
This morning before I started proofreading I saw an article in the paper that a 73-year-old woman was dragged 75 feet before the drive could stop. The driver was making a right turn on a red light. She looked to the left and the traffic had stopped. She made the right turn without looking to see if anyone was crossing the street. Whether you are walking or driving you must look both ways before you proceed.
There are states that are thinking of putting more restriction for teenage drivers and increasing the age for them to drive alone. My opinion is that Parents must insist that when their children are driving they obey the traffic laws and practice safe driving habits. If they donít, the parents should take away their driving license. If the parents do not take away their kids license, then the parent license should be taken away as well as the kids. Moms and Dads if you love your kids, make damn well sure they practice safe driving habits. And, do not be a poor example for them. When the kids are in the car with you, be on your best behavior. Just imagine what you would do if you knew a policeman was on your tail.
I have been complaining about the younger generation. Theyíre many dangerous drivers out there of all ages. They tail gate, and never obey the speed limits regardless of where they are. They have their whole family in the car with them and they still drive like idiots. They are of all ages and sex.
I think a lot of the car manufactures should be fined when they produce an advertisement that depicts an unsafe scene. They are the ones that benefit from all the accidents that occur across the country every day. Just think of the billions of dollars the auto manufacturers are making just from auto accidents. You would think the insurance companies would pressure for laws that restrict car manufactures advertising unsafe actions.
Have you been to the junkyards lately? On a weekend take the whole family to a junkyard to see the junks. They are overloaded with wrecked cars. Many cars in the lots would not be there if the driver or another driver were more careful. You may say that these are old worn out cars. The newer ones are at the body shops being stripped for parts or they are being repaired so they can be put back on the road. Car junkyards and body shops are making millions from the reckless drivers.
A car is a deadly weapon. They kill more people every year than guns do. Yet you donít see anyone pressing for safety catches on cars. The cars that they are building today are built to drive at much higher speeds than they were 30 or 40 years ago. The handling and braking system are much better on the newer cars today than they were 10 years ago. I think this is the major problem. You do not realize how fast you are going and how long it takes a car to stop. The reaction time for putting on the brakes is the same if you are going 10 or 90 miles an hour. The problem is when you are going 10 miles an hour you may be able to stop in 10 feet. At 90 miles an hour you will be lucky if you can stop in 200-300 feet. Think about it, the next time you are following someone on an express highway, could you stop your car if the car in front of you jammed on his brakes or hit something and came to an instant stop. I have no basic for saying this other than for my observation. I believe that 75 percent of the drivers in this country drive to close for the speed they are going. For an example, very frequently you will see in the news that there was a multiple car accident with as many as 50 to 100 cars involved. This must tell us all something, but no one pays any attentions to this problem.
I was on a trip from LA to Vegas on a Friday afternoon. The speed limit is 70 mph. If you went 70 the other drivers would run you over. I pushed my speed up to 75-80 and I was still being passed. If they could not pass me and the left lane was full, they would hug my bumper trying to get me to go faster. They would be as close as 10 feet or less behind me. Also, you could see the irritation on their faces when they had the chances to pass me. Some would give me the famous finger and say something in a fit of anger. Why were they all rushing? They canít wait to get to Vegas to lose all of their money or kill themselves.
What does this have to do with fleecing by advertising? The advertising encourages people to drive faster and more reckless than ever before. The more accidents they can encourage the more cars they can sell to the survivors. They are fleecing you and your family. Also, they are taking someoneís life.
I can only ask that you think before you and while you are driving. Is it so important that I speed? Do I have to have that second or third or fourth drink? Am I in any condition to drive? Will I fall asleep while I am driving? Is it worth my life or someone elseís and the consequences that will follow an accident if I donít think and drive safely? If I am late for where ever I am going, is it worth my life and maybe someone elseís? Slow down, if you donít the life you take may be youíre own, your child or someone you love. Nothing in this world is worth sacrificing a life for just to getting there on time. Ask yourself the next time you are speeding, "What the hell will happen if I am a few minutes late? Why should you take the chance, SLOW DOWN THE LIFE YOU SAVE MAY BE YOUR OWN! IF YOU THINK I AM KIDDING, JUST KEEP READING!
The following are reports from the National Highway Traffic Safety Administration, Washington, DC:
This is only some of the highlights of the report. If will give you an idea of how automobile accidents and drinking cost all of us!
The cost of motor vehicle crashes that occurred in 1994 was $150.5 billion, the equivalent of $580 for every person living in the United States, or 2.2 percent of this countryís Gross Domestic Product.
Each fatality resulted in lifetime economic costs to society of over $830,000. Over 85 percent of these costs are due to lost workplace and household productivity.
The average cost for each critically injured survivor was $706,000 -- nearly as high as for a fatality. Medical costs and lost productivity accounted for 84 percent of the cost for these Maximum Abbreviated Injury Scale (MAIS) level 5 injuries.
Present and future medical costs due to injuries occurring in 1994 were $17 billion, representing 11 percent of total costs. However, medical costs accounted for 22 percent of non-fatal injury crash costs.
Lost market productivity totaled $42.4 billion, accounting for 28 percent of total costs, and lost household productivity totaled $12.3 billion, representing 8 percent of total costs.
Because of their high incidence, crashes of vehicles that sustained only property damages were the most costly type of occurrence, totaling $38.9 billion and accounting for 26 percent of total motor vehicle crash costs.
Property damage in all crashes (fatal and injury) as well as property-damage-only crashes totaled $52.1 billion and accounted for 35 percent of all costs, more than any other cost category.
Motor vehicle crashes costs funded through public revenues cost taxpayers $13.8 billion in 1994, the equivalent of $144 in added taxes for each household in the United States.
Alcohol-involved crashes resulted in $45 billion in economic costs in 1994, accounting for 30 percent of all crash costs.
Seventy-eight percent of all alcohol-involved crash costs occur in crashes where a driver or a pedestrian had a blood alcohol content of 0.10 percent or greater, the definition of legal intoxication in most states.
The impact of alcohol involvement increases with injury severity. Alcohol-involved crashes accounted for 17 percent of property-damage only (PDO) crash costs, 29 percent of nonfatal injury crash costs, and 47 percent of fatal injury crash costs.
Crashes in which police indicate that at least one driver was exceeding the legal speed limit or driving too fast for conditions cost $27.7 billion in 1994.
Speed - related crashes resulted in 12,480 deaths, 710,000 nonfatal injuries, and damage to over 2.3 million vehicles in property damage only crashes in 1994. This represents 31 percent of all fatalities, 14 percent of all nonfatal injuries, and 10 percent of all PDO involved vehicles.
The total economic cost in 1994 resulting from motor vehicle crashes is estimated to have been $150.5 billion. Of this total, medical costs were responsible for $17 billion, property losses for $52.1 billion, lost productivity (both market and household) $54.7 billion, and other costs $26.6 billion.
Alcohol use is one of the major causes of motor vehicle crashes. Historically, about half of all fatalities have occurred in crashes where a driver or pedestrian had been drinking. This report focuses specifically on the cost of alcohol crashes and includes estimates of the incidence of alcohol-related crashes that were reported and not reported by police. The results indicate that alcohol is involved in crashes that account for 30 percent of all economic costs, with over 78 percent of these costs involving crashes where a driver or pedestrian was legally intoxicated, defined as Blood Alcohol Content (BAC) > .10.
Section 163 of the Transportation Equity Act for the 21st Century (TEA-21) created incentive grants for states enacting and enforcing a qualifying .08 BAC illegal per se law. Some of the states have adopted the TEA-21. Lowering the BAC to .08 has significant decreases in alcohol-related fatal crashes.
Today 10/23/00, President Clinton signed TEA-21. States will lose billions if they do not enact laws in their States related to TEA-21 by year 2003.
An alcohol related accident occurred recently where a father saw his family seriously injured through his rear view mirror. His wife and children were following him on an expressway. A drunken woman entered the expressway going the opposite direction. He dodged the car and saw his family being hit head-on through the rear view mirror by the car. The woman was killed in the accident and his family was seriously injured.
In 1998, nearly 42,000 people were killed in traffic crashes and almost 3.2 million more were injured, at a cost of over $150 billion. Speed--defined as exceeding the posted speed limit or driving too fast for conditions--is a factor in nearly one third of all fatal crashes. Research by the Insurance Institute for Highway Safety (IIHS) found that when speed limits were raised by many states in 1996, travel speeds increased, and motor vehicle fatalities went up significantly on Interstate highways in those states.
Speed reduces the amount of available time needed to avoid a crash, increases the likelihood of crashing, and increases the severity of a crash once it occurs. The public needs to be made more aware of the dangers of speeding. If we are to combat this dangerous, life-threatening behavior, we must devote increased resources to better enforcement, including more law enforcement officers to patrol the highways, and we must support technological advances, such as video cameras, to target aggressive, speeding drivers.
Speed was a factor in 30 percent (12,477) of all traffic fatalities in 1998, second only to alcohol (39 percent) as a cause of fatal crashes.
` (National Highway Traffic Safety Administration, or NHTSA, 1999)
In 1998, 40,000 people were critically injured in speeding-related crashes, 72,000 were moderately injured, and 599,000 received minor injuries. (NHTSA, 1999)
The economic cost to society of speeding-related crashes is estimated at $27.7 billion per year. (NHTSA, 1999)
Crash forces on impact double with
every 10 mile per hour increase in speed above 50 miles per hour. As
crash forces increase, so does oneís chance
s of being killed
or seriously injured in a crash. (NHTSA, 1995)
Young drivers (under 30 years old) are more likely to speed than other drivers. Of all drivers involved in fatal crashes, young males are most likely to speed. The relative proportion of speeding-related fatal crashes decreases with increasing driver age. (NHTSA, 1999)
Alcohol involvement and speeding often go hand-in-hand. In 1998, 43 percent of drivers with a 0.10 BAC or higher who were involved in fatal crashes were speeding, compared with 14 percent of the sober (0.00 BAC) drivers in fatal crashes. (NHTSA, 1999)
Travel speeds increased on Interstate highways in the states that raised their speed limits after Congress repealed the National Maximum Speed Limit in 1995. Increased travel speeds historically have led to increased traffic fatalities. (IIHS, 1999)
In the 24 states that raised their speed limits in late 1995 and in 1996, fatalities on Interstate highways increased 15 percent. Deaths on other roadways where speed limits were not raised were unchanged. (IIHS, 1998)
The increased fatalities and fatality rates on Interstates where speed limits were raised translate to approximately 450-500 additional deaths a year on Interstate highways and freeways. (IIHS, 1998)
As of October 1999, 28 states have raised speed limits to 70 MPH or higher on portions of their roads and highways. (IIHS, 1999)
In a public opinion poll conducted by Louis Harris for Advocates for Highway and Auto Safety in May 1996, 64 percent of those polled said they were concerned that higher speed limits would contribute to even more aggressive driving. Sixty-six percent were concerned that highway crashes would rise again, and 52 percent were concerned that they will feel unsafe on the highways because drivers would go "much faster," exceeding even the posted limits.
The following is an article that I saw on TV copied off of the Internet. I hope they donít mind me spreading this information around. The article is blaming "foolishness and distractions" as the cause of more deaths of teenage drivers. Being a teenage once myself, I can say that many of the kids wanted to show-off when other teenagers are in the car with them. Mom and Pop take notice of the following. You have raised them to the age when they want to be on their own. Help them through this foolish period of their life.
Blaming "foolishness and distractions," researchers reported today that the risk of a teen-age driver dying increases with each additional passenger -- particularly with young passengers.
Johns Hopkins School of Public Health researcher Li-Hui Chen and her colleagues found that 16-year-olds carrying one passenger were 39 percent more likely to get killed than those driving alone.
That increased to 86 percent with two passengers and 182 percent with three or more. The rate for 17-year-olds was higher: 48 percent, 158 percent and 207 percent, respectively.
The rate was as much as 21 times higher during early morning hours when passengers were present, according to the study in today's Journal of the American Medical Association.
Chen also found that the driver death rate increased significantly when the passengers themselves were in their teens or 20s.
While the death statistics relate specifically to drivers, experts said other studies have shown that accidents involving new teen drivers also often kill or seriously injure passengers and people in other vehicles.
The problem is "general foolishness and distractions" for drivers who are just getting to know the rules of the road, said Robert Foss of the University of North Carolina Highway Safety Research Center.
"They will egg one another on to try to run a stop light or say, 'Let's see if you can get it up to 70 miles an hour before the next stop sign,"' Foss said.
Even more often, he said it's simpler things -- animated conversation, for example.
"Most of it is things that are no problem for an experienced driver," said Foss, who wrote an editorial accompanying the study funded in part by the Insurance Institute for Highway Safety and the Centers for Disease Control and Prevention.
The findings -- coupled with numbers showing teen accidents rates increasing after 10 p.m. and even more dramatically after midnight _ are prompting safety experts to renew their calls for stiffer restrictions on new drivers.
"It's pretty clear that states should not let them drive later at night for a while and not let them drive with teen passengers," said Foss, who thinks the curfew should be 10 p.m. "They need to focus their attention entirely on driving."
Ten states -- most recently Washington -- restrict the number or age of passengers who can ride with new teen drivers. Twenty-eight states have driving curfews, most of them beginning at midnight. New York, which imposes a 9 p.m. curfew on drivers under 18, is among the states with the toughest restrictions.
Previous studies of young drivers in New Zealand, Canada and Florida found that so-called graduated driver licensing reduced crashes by 7 percent to 32 percent, Foss said. Graduated systems impose passenger restrictions or curfews on young drivers.
Foss said that in states with no such rules, "parents of 16- and 17-year-old drivers would be well-advised to impose the restrictions themselves."
A 14-year-old boy was KILLED while riding with a friend. His friend was driving a SUV and making donut circles on a baseball field. He was driving at a high rate of speed in a circular pattern. He was riding on the passenger side when the SUV rolled over, and crusted him. Every day another one our young men are killed from foolish antics.
In 1998 42,000 people were killed in automobile accidents. That is an average of 115 people killed every day. Recently I saw an article relating the number of people killed in automobile accidents against the number of fully loaded jumbo jets that would have to crash to equal the same number kill in automobiles. If there were 300 people aboard the plane, there would have to be a crash every 2-Ĺ days. The people of the world would be in an uproar if that many planes crashed. Why isnít the country in an uproar over the number of people being killed off the roads of America?
Moving in this country can be one of the most expensive things that you will go through. Whether you have moved or plan to move, keep on reading. Before you select a mover get as many estimates in writing as you can!!! Take the lowest price and see if you can get them to make it a firm price. Most of them will not give you a firm price. They will give you an estimate of the weight and a price per 100# plus +++++ and more ++++.
Hypothetically, letís say that you go alone with their estimate and they give you a price of $70/100#. The weight estimated weight is 5000# and the PLUSES are $500. It would cost you $4000 to move. You are disgusted with the price, what choice do you have? Itís the lowest estimate you have received. When the mover arrives at your home he looks around for five minutes and he is grumbling that the sales people donít know how to estimate loads. They have 5000# and it is at least 6500#, if not 7000#. You have already signed the contract. Your home has been sold and you have to have everything out of the house today. The mover came later than they said he would. Itís after 5:00 PM. It will take them to midnight for them to finish loading. You call the moving companyís office; it closed at 5:00 PM. You canít tell him to get out of here, and you do not want to pay for the extra 2000#. What are your choices? You will not be able to get another mover and the new owner is moving in tomorrow, you are stuck. You have no choice; you have to let them take the furniture. The driver said that he would call you tomorrow and tell you how much the furniture weighed. Sure enough the driver calls and tells you that the total weight was 7000#. He informs you that the moving company will call you and tell you how much the final bill will be. And, you will have to have a cashierís check for the amount when your furniture is delivered. They have shoved it up your butt. Itís already hurts. This is not all they stick you with. If you are not at the destination with the full amount, they will deliver it to a storage area and put your furniture in storage. You will have to pay them for delivering your furniture to the storage locker. You cannot remove the furniture from storage until you pay the first mover and storage fee. The Storage Company will not let you take your furniture until the mover signs a release. You will also have to pay for a full month of storage even if itís only for 1 day. PLUS you will have to pay another mover to pick it up and bring it to your new home.
When the moving company calls the price is not $4000, its $5400. You yell and scream, what good does it do? How did the trucker know, in a 5 minutesí walk through of your house, the weight was going to be 2000# more? The salesman with 15 years experience couldnít come up with a closer estimate? The salesman spent more than two hours going over every item.
Donít stop now; the best is yet to come. You should make a list of every box and its contents and what itís weight. Weight yourself and then weigh yourself and the box, Take the difference between your weight and the total and that the weight of the box. Do this with every item that you can lift. Keep a record of all the items. For the larger items, some of the companies have an estimated weight. It should be close enough. Add them all up that is the approximate weight of you furniture. Thatís not all. Donít let them know that you are going to have the truck re-weighed until they tell you how much it will cost you. Then have it re-weighed at the other end. All the big truck stops have scales. It cost around $10 for two weighing, with the truck full and empty. They usually have two or three men working together. When they weigh the truck make sure that the same men are in or out of the truck when it is weighed, both times the truck is weighed. They will have all the men in the truck when itís first weighed and when the truck is weighed the second time; the men try to disappear. Make sure all the workers are in the truck the second time it is weighed. Three men averaging 200# times 3 equals 600# times $70 per hundred equals $420. The re-weight is 1500# lighter than what you are paying. 1500# times $70 per 100# equals $1050. You have over paid. Keep the weight tickets and make sure the company knows that you have over paid. Donít let them get away with it!!!
The above happened to me. I had to give the driver a cashierís check for the original price. I had the re-weighing slips from the truckís weighing. The company reimbursed me for the overcharge.
I called the moving company. I selected them. I was willing to pay them to move my furniture. I paid them for moving my furniture. But donít try to rip me off.
How do they make the truck get lighter on the first weighing before they picked up your furniture? They didnít, the truck is the same weight. There is several ways they could have lightened their load. The water and fuel tanks could have been empty and they filled up the tanks before the second weighing, or had 10 guys stand on the scale. There are many other ways to add to the overall weight of the load.
I do not know if the moving companies are behind this type of scam or it is the driver doing his own thing. They will not tell.
If someone comes up to you in the mall and asks for your help, and they say that something happened to someone outside the mall and they need your help. Donít go with them. Tell them to call the security guard. The malls usually have someone that can help in an emergency.
They will tell you that there is no time to call someone else. You must hurry, it is an emergency, and they need your help. They are betting that you are a Good Samaritan. Again, donít go with them. If they insist, go into one of the shops and have them call security.
They usually prey on women. But, they could pull this on anyone. Once they have you outside they will rob you. They usually have someone else helping them and they may shove you into a car or van.
Another version of this scam, they may say that they are giving away something and you were selected to receive an expensive gift or some other item. Or, they may say they have a promotional booth outside and the first 10 people that come to the booth will get a very expensive gift. Whatever they say, be careful, whatever it is, it is not worth the chance of being robbed, kidnapped, raped or being killed.
This type of scam is going on all over the country. It may take many different angles. Tell your kids and grandchildren never leave a crowded area with a stranger. Be careful of anyone that wants you to go with them. It doesnít matter if they are men or women, or young or old, do not go with them.
I am not going to tell you not to give things to charities. What I am going to say is donít be duped into giving your car to an outfit that is going to sell your car and the charity gets nothing. There are these companies all over. They are ripping you and the Charities off.
Go directly to the Charity of your choice and give them your car or other items you want them to have. The Salvation Army and Goodwill will take you car and give you a receipt so you can deduct the value of the car from your taxes. There are other organizations that are run by charities. Think smart; donít play into the hands of a scam artist.
Why am I including hate as a scam? Just think for a minute. Most people would not rip off someone that they like. The crooks donít give a damn about you. They would just as well kill you for a few bucks as look at you. They donít care who they steal from or hurt.
This world of ours should be built on love, not hate. I hope you donít get offended by what I am going to say. I am going to say it the way it is.
In W.W.II the Germans hated the Jews. All of this nation there are whites that hate the blacks and the black hate the whites. In Florida people hate the Cubans and the Cubans hate back. Along the Mexican border hate goes both ways. Look what is going on in Northern Ireland, Yugoslavia, and Africa and in every country in this world. There are religious and ethnic groups that hate each other. There are no set rules for HATE. Look at the road rage that is upon us. And most of all look at what is going on here in our country. The election was at a standstill. The Democrats hate the Republicans and Republicans hate the Democrats. With the help of the news media they are fanning the hate and it is spreading across the country. Everyone on the talk shows, host and guest are trying to out yell the others. The political leaders of both parties are also fanning the fire of hate. What is our country turning into? Will the ones that can yell the loudest be our next political leaders?
Oct. 12, 2000: Look at what is happening in the Middle East. I donít know who to blame for this incident. I am sure that both sides have their own reasons for their actions. I am sure you have heard all the detail. I canít say any more about this except, God give both sides help to forgive each other.
In this good old USA there IS hate in almost every household. Donít tell me that there is no one that you donít hate. If you donít call it hate, itís someone you dislike. Just look at the number of divorces each year. Half of all marriages end in a divorce. There is a tremendous amount of hate that is generated in a divorce.
I canít leave out the hate that is generated in the teens in our society. The older I get, the more hate I uncover. I can understand why many of us get pissed off at others. I get pissed off every time I get into my car. The drivers are getting worse or I am becoming more careful. Maybe they are being pissed off at me. Anyway, it is understandable to be irritated at others. But please donít hate them. Donít do anything that will hurt you or them. Forgive them and try to stay cool. I know it is hard, but try.
I feel sorry that the kids in the schools across this country. In every school there are bullies that pick on others. What has to be done to stop this hate? I donít have the answer. I have heard the professionals on TV saying what has to be done. But, no one is doing enough to eliminate the hate these kids have. Everyone has to get involved. Parent, teachers, police, politicians and the students have to work together if they want the killing in our schools stopped.
In every school across the country there are bullies. They will pick on the smaller kids. They make fun of them. They threaten and extort money from them. You name a type of humiliation and the bullies are doing it. The kids that are picked on are more than likely the ones that are not admitted to the cliques, and are left out of all the activities and are going to take revenge on the group that picked on them.
Parents know if their children are getting picked on or they are picking on their brother or sister, or someone outside their family. Many parents will yell at their kids and tell to stop it without taking them aside and explaining to them that what they are doing is wrong. We are just too busy or tired of yelling at the kids so you let them settle their dispute themselves.
Moms and pops donít be that lazy. You can save yourself a lot of headaches if you nip the problem in the bud.
Why is this fleecing? Hate is costing the world billions if not trillions every year. I will start in the United States. The two major political parties are costing us billion in one way or the other every day. Their lack of common sense, the politicians in this country are wasting our money by voting on important issues along party lines, not by what is honestly good for the country. This morning I read in the paper that the Republican and the Democrats voted along party line for the nuclear test ban treaty. I do not know the answer to who is right, the Republicans, or the Democrats. But, I will tell you one thing for sure neither do the politicians know. When they vote along party lines they are not working together for the good of our country.
Whenever you hear a politician saying, "They were just PLAYING POLITICS," it is costing us a bundle. You donít play politics with our hard-earned dollars.
When I hear that there is a surplus this year and they are going to take that money and do all the wonderful things with it, this drove me nuts. WE CAN NEVER HAVE A SURPLUS WHEN WE ARE TRILLIONS OF DOLLARS IN DEBT. PAY OFF THE NATIONAL DEBT THEN WE WILL HAVE A SURPLUS. Who do they think they are kidding? When you are paying off a mortgage, a car loan, you consistently have a very high balance on your credit cards, and you cannot pay off the balance. You donít have a surplus and neither does the government. The politicians talk about a surplus. Until the national debt is paid off there is no surplus. We are all in debt up to our necks and so is the government. Who do the politicians think they are kidding?????
Please pay off your credit card debt. Take the money you save on interest and buy something you like and keep the economy going. This will provide more jobs for us and you will not make the rich richer. You can use the extra money yourself.
It is no way in hell anyone can convince me that every Senator and Representative in the Republican Party will think the same way on every issue. This also goes for the Democrats.
You cannot get five people that will think the same way on any issue, much less a couple hundred. When our elected officials vote along party lines they are not working for you. They are working for their political party. This is Legal Fleecing. They are ripping us off.
Is there a way to pressure politicians to work for the people not the party? Havenít they any idea what it is costing us with all of their wrangling. The useless hearing along party lines trying to pin something on the other party members is costing us billions. God help this world in the next 2000 years.
When the Judicial Committee was debating if the president should be impeached you could see the HATE in the Republican congressmen faces. During the impeachment hearing our government wasted our tax dollar on a political witch-hunt. The Republican had so much hate in their souls that they bled the consensual sexual conduct of the President for political gains and still are.
There is no need for me to recap what has been going on during the recount of the ballots in Florida. The Republicans are calming the Democrats are splitting the country down the middle. In my opinion the country has been split down the middle since the Democrats took over the White House and the Republicans started attack everyone that was associated with President Clinton. They are still dividing the country. It you listen to the rhetoric, the accusations and insinuation, the Republicans are spreading across the country, these comments that you see on television are fanning the hate of the citizens of this great nation.
Marriage is a very difficult relationship between two people. At the beginning of the relationship both couples found something that they liked about the other. I can list a thousand reasons why they chose their respective mates. After the marriage, half of the marriages will go on the rock. Why? Again there are just as many reasons if not more why they want to break up their relationship. I am not a marriage counselor and I am not going to try to reconcile a marriage. There are too many things that have taken place between the couples that would take a long time to smooth things over. They must do this themselves.
What I am going to do is tell you how difficult it is to maintain a marriage. There is no such thing as a perfect marriage and there never will be. Once you get married you must do everything in your power to keep the marriage intact. Both of you must work together throughout the marriage to keep it from deteriorating.
Both of you must do everything you can to prevent hatred in the marriage. Have respect for your spouse. You cannot let your temper get out of control. As I have said before, both of you saw something in your mate that gave you the desire to spend the rest of your life with them. My wife and I have been married for over 50 years. Just like many couples we have had many disagreements. With our desires to keep the marriage afloat somehow we managed to stick together. It is not easy to keep a marriage going. You will have fights over large and small things. Just take a step back and look at the problem and ask yourself if it worth destroying your marriage over this problem. One of you must give in otherwise it may lead to a bigger problem. Most of the time my wife would not go to bed until we have settled and resolved the problem and kiss and made up. Both of you have your own ideas and desires. You must compromise otherwise a conflict may develop and destroy your marriage.
A divorce can be devastating emotionally and financially for both of you. If you have been married for a considerable period of time financially it could destroy the both of you. If you have children it will tear them apart emotionally. They will suffer more than you will. You and your spouse are the ones that should decide whether or not you want to break up the marriage. Do not let anyone provoke you into the divorce. You and your spouse are the only ones that should make that decision. The two of you will have to live with your decision.
If the marriage is not reconcilable and you are going through with the divorce please do everything you can to maintain a decent friendship with your ex-spouse for the good of both you. Good luck.
Divorces are tearing many lives apart emotionally. The children are the ones are going to be fleeced. Many times the breadwinner will not help to support them. They will not be able to live the type of life they should have or get the education they deserve. Before you make the final decision thing again what you are doing. The new life that you are going into may be worse than the one you are in.
Watch out for the little asterisk, they will hang you every time. When you think that you have a good buy, you forget to look for the explanation of the little microdot that is next to the price.
What does the little microdot stand for? You will find out when you get the bill for a very low priced item. You will find that there were many extra charges attached to the price. Always check out the tiny, tiny speck of fly dung that is next to the price. The SOBs are betting that you will not notice or bother looking at or looking for the microdot. Some are as small as the period at the end of this sentence or smaller. I have talked about the small print and the asterisk before. I will not go into it too much now.
Have you noticed all the free things you see in the papers today? Do you think they are free? They are not. Look for the little (*) asterisk. Read the fine print. By the time you have done all the things and/or committed yourself to do, you could have bought the item for its full price and saved yourself time and money. When you see free donít believe it. No one gives anything away without getting something back. You may not pay for it at the time you got it. But you will pay for it later on.
As little as asterisks are they are there to cover the merchantís ass. Just watch out for the little microdot. I think I said that before. Oh well, Iím not perfect!
Do you remember the $300 hammer, and the $3000 john? That is only a grain of sand on the beach compared to the overall costs that is wasted. Letís talk about the hammer for a moment. You do not go to the local hardware store when you purchase something for the military. There are specifications on almost everything the military buys. The hammer specification and all the documents that are referenced on these specifications would probably fill a file cabinet.
The individual who wrote up the specifications was following the requirements of the military. The cost of writing up the specifications for a hammer and the inspection cost to make sure the hammer is built to the specification would have been enough to pay for all the hammers the military would ever need. This not only applies to the hammer; it applies for almost everything the military buys. Some will say this keeps the economy going. What it does, it make the manufactures richer and the taxpayer poorer.
First letís take the wood in a handle. The specifications for wood alone would probably take up half of the file cabinet. The inspection and certification documents to verify that the wood has been inspected in and tested would fill another file cabinet. The same would go far the metal in the head of the hammer. Thatís not all; the hammer has to be packaged. The military has specifications for packaging everything.
The procedure for purchasing the hammer is also very complicated and expensive. By the time you add up the cost for all of this the General Accounting Office will put a $300 price tag on the hammer.
This is only one item. You multiply the wastes to purchase a $5.00 hammer and all the other expensive items you can see why military budget is so high. There should be a way that the military purchasing department can purchase commercially available items without going through all of the military hassle on commercial products. I can understand where the requirements must be met on the more complicated pieces of equipment but not on simple everyday items that you can be pick up almost anywhere.
At a place where I worked many years ago, we sold many items to the military. After the item was shipped to the military we would get a spare parts order. Whoever wrote the purchase order for the spare parts did not know what he was doing. The individual that was his supervisor also did not know what they were doing. They ordered spare parts that cost as much as a new machine complete if not more. It is like buying the frame of a car for a spare part for a car. You do not go out and by a new frame for a car to put on the wheel, engine, and the reminder of the car. I have often wondered what happened to those unnecessary parts. What the government paid for the spare parts they could have bought 3 or 4 more machines and salvaged parts from them. It would have been cheaper.
Some of us will say that is what keeps millions of us working. I think that it must be a better way to spend this money, so it would reduce our taxes. Have any of you any ideas? I wish someone in our government would spend some time and money to reduce the unnecessary costs to the taxpayers.
From what I saw on TV the military may be trying to end some of these problems. We were paying for telephones that would still be working on a ship even it were sunk. Who would be under the water talking? The Navy was paying $400 for this phone. Now they are paying about $40 for a phone that doesnít work if the ship sinks. If I am correct Vice President Gore was involved with this effort.
Many years ago I worked at a company and uncovered a problem that was wasting millions of dollars. I do not know if it was deliberate or by accident. The company would get a contract to design a particular piece of equipment. (It was a very large piece of equipment. Letís give it a bogus name. I will call it a giant bottle.) The military had plans in the future to purchase 30 of these bottles. But, they wanted to purchase only 4 or 5 at that time. The contract read that they wanted a design contract for 30 bottles and a construction of only 5. That was no problem. Later the military wanted a modification on one of the bottles and added a cork to one of the bottles (bottle #1). The contract was for only for one cork for bottle #1. Later on they felt they needed a one corkscrew that only would work with bottle #1. The military contract orders 1 corkscrew without a handle only for the #1 bottle. (Are you getting confused? I am almost to the point.) Later the military decided to add a handle to the corkscrew for bottle #1. When the order came down from contracts it stated that it was a construction contract to add a corkscrew handles for bottles #1 through #5. The handles would not work without the corkscrews. And bottles #2 through #5 didnít have a cork or corkscrew. The handles were useless without corkscrews and the corks. When I told my supervisor about the problem he told me to go ahead and have the handles installed anyway. In my supervisorís own words he said. "The Contracts department wants us to do it, then, just do it and donít ask questions." I went ahead and did what my supervisor told me to do. Being nosy as I am, I went to the Contracts Department and looked up the original contract. The military had only ordered 1 handle for bottle #1. The company ordered 5 handles and 4 were installed without the cork and the corkscrew on bottles #2 through #5. Of course, the handles on the 4 bottles were useless. The system did not work. One handle cost over a $250,000. The installation was another $25,000. All together the military got ripped off for over a million on this one incident. I cannot tell you if the military eventually installed the cork and corkscrews on bottles #2 through #5.
From then on I always went to contracts to check the original contract from the military. I found numerous occasions where this had happened. I started keeping records of all of them. The company had a program that would reward you if you had a suggestion that saved the company money. They would give you a percentage of the savings. I thought I was going to make millions.
Before I could put together my suggestion, I had a job offer that I could not refuse. A few days before I went to my new job I put in my suggestion. I listed all the things that I had uncovered and outlined a way this problem could be eliminated. I went to my new job and about 6 to 8 months later I got a reply from the company. It was a strip of paper from a continuous feed printer. It read as follows: "The company has ways to prevent this problem from occurring."
This pissed me off greatly. Every time I think about this, it burns me up. This was a blatant scam and if they were honest about the problem, they would not have waited for over 6 months to reply to me. I could not remove the contracts from the vault area and I had no documentation of these actions. All of the documents were classified secret. It would be my word against theirs. I know the company was being paid for these installations. I do not know if this is still going on today. I am sure that if they have been getting away with this type of scam for the last 35 to 40 years, they are still doing it.
At that time I wrote a letter to a Senator and told him about the problem. I never received a reply from him. The government and a new President of the corporation were investigating a "denies any wrong doing" situation at the company. I wrote a letter to the new President of the corporation and explained my problem with the bottles. I never received a reply from him. This happened almost 40 years ago. It still burns my ass every time I think about this scam.
If they got caught, their response to the media would be, they "denied any wrong doing."
This is only a drop in the bucket, compared to the amount of money that is still being wasted.
Have you ever had your car towed from a parking spot? If you are in an area that you are not familiar with the parking rules and law, donít park your car in an open spot unless you are sure that it will not be towed away. This goes for public and private parking areas. If you park there anyway, you may not find your car when you come back. It has been towed. The price and time to get your car back may blow your mind. It could be as high as one or two hundred dollars out of your pocket.
Even if you have obeyed the signs that are posted, you may still be towed away. In cities across the country there are towing companies that will tow your car whether you stayed over the time limit or just parked there for a few minutes. The tow trucks are cruising the area just waiting for some poor soul to park his car. Within a few minutes they will tow your car away. I suggest that you call the police and hope they are not involved in this scam. Have witnesses and press charges for car theft. It may be a lost cause if the police are involved. It is hard to tell you what you should do. If you get hooked, there probably have been many more that have had the same problem. The best advice I can give is to get you car back and then consult the authorities at the state and federal level. The local and county officials may be part of the scam.
Do you remember the speed trap scams that were going on before the interstate highways were put in? Some of the small towns across the country had no income. They would arrest you and have a judge ready to charge you for every cent you had on you. Of course they knew how much money you had on you. The arresting officer would ask to see your driverís license. He did not care whether you had a driverís license or not. He wanted to see how much money you had in your wallet. The amount you had in your wallet was the amount of the fine.
There were some honest areas across the country. You could not blame them for enforcing the speed limit. They posted the speed limit well in advance to warn you before you entered the town. They wanted to protect the pedestrians and the community from speeders that did not care about the safety of the local residence.
There are many scams like these across the country. You may have seen the one in the state of Louisiana. The high officials across the state defended the action of the police. It was a blatant scan and they knew it. How can this be happening in this country? Where is the federal government? Why arenít the FBI, CIA, the House and Senate investigating these so-called legal scams? Why hasnít the Justice Department gotten involved? The Supreme Court gave these jackasses free range to arrest and prosecutes everyone that gets into a car. You donít solve a problem by destroying a Democracy. They are trying to set up a police state in a Democracy. Every bill or law that is passed chips away your freedom. We have lost a lot of freedom in this country since it was founded. I canít imagine what it will be like in the next two hundred years. When the government is taking your freedom away they are legally fleecing you.
Do you live in a nice neighborhood where no one locks their doors and everyone trusts all their neighbors? You donít lock your car and you leave you garage doors open. Or, you are too lazy to put the car in the garage and leave it parked on the street.
Change the way you are doing things. Put your car in the garage, take the keys out of the car, and close the garage doors and most of all lock up your home when you are home or not. Take time to do these things, they may save you a lot of headaches, money, and your life.
We are living in a New World. It is not like the good old days when you knew everyone around you and they knew you. Today the world is getting over populated and the distance between the haves and the have-nots is getting wider ever day. Not by a snailís pace, but the speed of lightning. I feel sorry for the unfortunates in this world. It is no way I or you can solve the worldís problems. The controlling governments of the world are not doing anything about it, and you and I canít.
There are many poor people out there that will do almost anything for a few dollars. They are very desperate. Some of them may have drug habits and need money to support their habit. Also, there are ones that donít need the money, but they want to get as much of it as they can. And unfortunately there are the poor souls that are trying to feed their families and they take desperate measures because no one cares about them and their family.
Letís get back to "what happen to our car?" While you are so trusting some crook is watching you and taking notes of your habits. They know what time you get up, and when you go to sleep, and every other thing that you do. They cruise through your neighborhood looking for suckers. Are you going to let them rip you off?
Whether it is your car or your household items they are after. You are telling them when it is safe for them to rip you off.
These people are professionals in their field. Even though you have all kinds of the latest security systems in your car and your home, these crooks are up on all the latest gadgets that have came on the market. They are not stupid. I have seen documentaries that kids in their early teens can disengage the security systems and steal your car in less than a minute. There was a young man on television that said he had stolen over 10,000 cars. He was finally caught and did his time and fortunately he is going straight.
Another switch to this scam is, a wrecker will drive up and start towing your car away. If you donít see them, they will have stolen your car. If you catch them they will give you a story that they were told to pick up a car that fits your cars description. Usually the wrecker that came to pick up the car does not have any markings on it. If you can get the license plate number of the wrecker this may help the police in their investigation. Call the police and tell them about the incident. It may be an honest mistake. And again it may not.
This does not only apply to your car. They will take everything they can get their hand on, including everything in your home.
If you are going on a trip tell your neighbors when you are leaving and hope they will keep an eye on your home while you are gone.
I am not trying to frighten you. I just want you to be aware of the things that are going on in the world today. If you are an old coot like me, then you got this far in life by keeping your guard up. Donít drop it now. For the youngsters take my word for it. There are a lot of crazy jackasses out there. Be sharp, be careful, and just be aware of the scams that are going on around you. There are millions of greedy SOBs out there and they are waiting to steal everything you have.
Almost every day I receive an offer from a credit card company. They have a very low interest rate, or they have some kind of a deal that is out of this world. I rip them up and put them in the garbage.
If you get one of these offers, and you will, make damn sure that you check out all the fine print. How long is the low interest rate going to last? How much is the interest rate or penalty if you are late or forget to pay the minimum payment.
These are not only small companies that are doing this type of fleecing; the large corporation and banks are ripping you off also.
The low interest rate may only last to the time you get the credit card. I cannot express it enough, think, think, and think.
I canít believe the number of companies that have sent me the wonderful offers of credit. How did they get my name?
I worked hard for my money and I am sure you did too. Never get yourself in debt. It is hard enough to make end meet without paying high interest rates on your debts. You can use the money you are spending on high interest rates for yourself.
This is a good deal if the price for the first item is at a reasonable price. Sometimes you get a break. Most of the time the price of the first item is priced at the manufactures recommended list price. The manufacturerís recommended list price is usually about twice the normal price the item is sold for. Are you getting a bargain? No way! The markup on some of the items may be as much as 4 or 5 times what the retailer paid for the item. You donít believe me? How can they reduce the price of an item 50- 60 percent after Christmas? They are not going to lose money. Would you?
Usually there is a reason they are giving you a price break. The items are reaching the end of their shelf life. The merchants have to get the items off the shelf. What do they do with the items? Some dump them. Some are returned to the manufacturers, repackaged, returned to the store, and put back on the shelf. Some are sent to the manufacturerís outlet stores. The prices may be reduced from the store price. You are getting old merchandise for almost the same price you would have to pay at the regular store. What you donít know, a lot of the items will be leaving the store soon. They are sold to individuals who work the flea markets. The canned and boxed items may still be good. I said that they "may" be good. You want know until you open them at home. Some of the powdered items have caked together. Mold has penetrated the itemís container. Others are dried out. The cans may have started to rust. You are not getting what you paid for. If you have to take the chance, good luck.
On the other hand, you may have hit a jackpot. Just be aware that these are come-ons they are using to get you into the store. The money that they may lose on the "Buy one and Get one Free" They make up on the other items in the store that are overpriced. They got you, again. You can save a lot of money by buying only the items that are on sale. They are called lost leaders. They pick items that are not selling and mark down the price with hopes to get rid of them. If you can use them, OK, but donít buy them and let them gather dust. That is a waste of money.
I donít want to discourage you. I just want you to be aware of the schemes that the vendors and manufactures are working to get your money. I donít blame them for trying to make a living. I appreciate their efforts for providing the public with all of the goodies that we want in life. I donít like them ripping us off. There are a lot of them out there that are fleecing us.
I think everyone has had a mail in a rebate slip. I have mailed in dozens on them. Have you kept a record of the ones that you have set out and how long it took to get the refund? Or did you get the refund. Being a computer nut I buy a lot of junk that I donít need that is free after you send in a rebate slip. I had written, called, sent e-mail, and complained to the store managers about the problem of not receiving the rebate. I had almost two hundred dollars in rebates coming to me. One manufacturer, the best one, mailed me my refund three months after I requested the refund. It took nine months for the next one to come in. I was such a pest at the computer store that the manager paid for all the remaining rebates that I did not receive. If you donít get your rebate, complain. It may help.
It had been almost 2 years since I wrote the above. I still have not received the rebates the store manager was nice enough to give me.
My argument with the merchants is if they advertise the item and include the rebate in the advertisement then they are responsible for making the manufactures honor the rebate.
Have you noticed the advertisements for computers and other electronic items lately? They have a new wrinkle and it has been going on for a while. The Internet service providers are giving you up to $400 off the price the items if you sign for 3 years at $21.95. That is almost twice the $400 dollars they are giving you. You are stuck for 3 years with this service whether you like it or not. There are many free Internet providers. Of course if you like the service of the Internet provider and you are going to have the service for the next 3 years, then go ahead. These providers are making millions if not billions providing space for advertisement on the Internet. They flash up in your face every time you go on line.
Some of the merchants will show you the price after all the rebates. Then you will have to look for the Asterisk and the Fine Print to figure what the item cost if you didnít want to sign up for 3 years to the internet provider. I wonder how many millions they are making with this scheme.
Most of these items that you are getting free with a mail in rebate are items that are becoming obsolete or a new model is being put on the market. There are many schemes in this world to remove your money out of your pockets and into someone elseís pocket. Keep copies of the mail-in rebates, the original sales slip and copies of the bar code. They may come in handy when they do not send you your rebate. Donít let them get away with it; pester the hell out of the company and the vendor until you get your rebate.
I think we all have gone through this before. Have you bought a house lately? When you walk through the house, wasnít it beautiful, did you see all those little tags? They were all options. Spend another $50,000 to $60,000, and you can get a house just like the model.
The tile roof is not included, or the stucco, or the white cabinets, the high ceilings, the three car garage, the sprinkler system, fireplace, gold faucet, the landscaping and on and on and on.
The same goes for cars. Where should I start? The fancy wheels are not included, white wall tires, the fancy chrome, the big engine, automatic transmission, cruise control, air conditioning, the radio with the CD player, and all the other gadgets you see in the demo. The price you see in the newspaper is the stripped model. There will not be a stripped version in their lot or in the country. And, they may not be able to get one for you. If they say they will get one for you, it may take as long as 3-6 month to get one.
I have covered the about earlier. Houses and cars are the big-ticket items that you will buy. They need to be repeated. They are the items where you will lose most of your money if you donít watch out for the upgrades and options. There are more options on computers than there are on cars and homes. There are many electronic items that have many options. Before you purchase these items do your homework and decide what options you want. Talk to your friends that have these products. Are they happy with the components they have? Donít be fooled by the looks of an item. There are many versions of the same item. Some are much better quality and they will cost you more money. Do you want to spend the extra money for them? Could you live with the less expensive version?
All I am trying to do is get you to think before you make a purchase. Look around for the best price. The prices will vary in every store you go to. Satisfy yourself and your wallet. And, remember to do your homework before someone parts you from your hard-earned cash.
Have you noticed that so many things that you bought many years ago are still working? I remember a story that a light bulb in a theater had been burning continuously for over 50 years. I have purchased bulbs that have burned out in just a few weeks, others that last much longer. I have often wondered why they vary so much. Some bulbs are advertised to last for 1000 hours. Others may say LONG LIFE. How many of you have ever kept a record of how long a bulb has lasted? Not me, Iím too cheap to waste all of that electricity and give the utility companies any more money than I have to. I always turn the lights off when I leave a room. At least I try.
I do not want to get in to a long story about light bulbs. I wanted to use them as example of how things can be designed to last for almost until the end of time. Others have a pre-programmed life span.
Manufacturers design objects that will serve you for a reasonable amount of time. They donít want them to fall apart when you get home and turn it on. Some items do fall apart when you turn on the switch! Most items we purchased are designed to last a reasonable amount of time without it costing too much. If they didnít, no one would buy the item. Usually there is a compromise between life expectancy and cost. They are designed to give you a reasonable amount of use, but they all vary.
What I donít like is the products that are nothing but junk. They look beautiful and the low price for the item sucks you in. When you have had it for a few weeks, they fall apart. You take it back to vendor, they tell you to send it back to the manufacturer or call their service department.
You go home and look at the warranty and it says they will replace it free of charge for 30 days after the date of purchase. You have to pay for the shipping and handling. That cost of the shipping and handling is almost the cost of the purchase price of the item you bought. They got you! Or, if it dropped dead on the 35th day after you purchased it. You call them up and they tell you that it will cost you three quarters of the purchase price plus shipping and handling to repair the item. Most of the time they will send you a new one. The labor cost for repairing the item is more costly than the new one. The cost to have it repaired is more than what you can buy a new one for. You spent more money on phone bills waiting for the service department and listening to the propaganda about all the other items of junk they want to sell you. You have been screwed. We all get shafted a few times in our life. If you donít care if it falls apart buy it. If you donít want to be shafted, spend some time investigating before you purchase an item. Find out about the warranty and service charges. Ask your friends and family before you spend a lot of money on something that is going to drop dead before you can turn it on.
There are many sources of information where you can get information pertaining to the manufacturers and their products. Call the Better Business Bureau, Consumer Protection, Manufactures Association, go to local library and look up anything that is related to the item that you want to purchase. Call Consumers Report and find out if they have any information on the item you want to buy. Buy a copy of Consumers Reports. If you have a computer, go on the Internet and do a search on the manufacturers and the item. I have found hundreds of thousands of articles that relate to companies. Most of them tell how terrible the company is, and they are. Someone has put up a web page of a company so people can complain about the company and they do complain.
If you donít want any surprises after you buy something, spend a few hours investigating the product you are going to buy so you will not spend sleepless night and building up hate for the vendor or the manufacturer. Time is money. You should weigh the time you spend on your research against the cost of the product. If it is worth the time, do it. If it's not worth the time, don't do it.
My darling wife does more investigating and comparing quotes before she buys or hires anyone to do something than anyone else I know. If she canít get a bargain, she doesnít buy it. If she gets suckered into buying something, and gets caught, I feel sorry for the poor soul. They will give in just to get rid of her. She will do almost anything to return an item and get her money back.
If you have a computer, you may have gone through this problem. Some of the programs that you purchased will not work properly until you register the program. Or, they tell you that the program has to be updated for some reason or the other.
What they are telling you, they put the product that you just bought on the market before it was tried and tested or they want information about you on their database. There is big money in selling and using information they ask you for. You may have bought a product that should not have been put on the market.
Some of the products have been designed so they will not work until you have registered the product. You start filling in the question on the registration form on the screen and you get to some personal questions that you donít fill in, when you go to register the item on line they come back with a message that you must fill out all the blanks. They have got you between a rock and a hard plate. I fill in some bogus crap and send it through.
If the registration irritates me, I return the software to the place in which I purchased the software. I tell them that the software does not work on my computer and get my money back or get software in exchange. When I purchase an item, why should I give my person information about my family to use their product? I should not have to and I will not.
You will never know whose hands this information will get to. The biggest offender of looking into your personal files is Microsoft. They will flash a message on your screen that you need an upgrade. Unsuspectingly they put another message on the screen that they are peeking into your files of your computer. They say that they are doing this without giving the information to Microsoft. Should I trust them? How do I know what information they are gathering? I donít know and they are not going to tell me. Are they looking to see what software that I have on my computer? Are they looking at my financial information I have on the computer? Are they gathering information from your computer to sell it to other companies? Microsoft isnít the only company that looks into your computer. What they are doing I canít tell you. As a manufacturer of software this would let them know what the consumer wants and what their competition is doing. With this knowledge it would give them a head start on their competition. Are they stealing your personal information? I donít know. It you want to use their product, you are stuck with it.
Do you know what they do with your name when you register the product? They sell or use it themselves to sell you something else. Some of the questions that they want you to fill out are also sold. Donít you think that you deserve something for giving them the information about your private life? Many will say, it just the American way.
If the software manufactures are not doing this, why am I getting all of this junk mail from vendors that I donít even know? With 250 million people in this country, how in hell did they find little old me? Some jackass told them that I looked like a sucker for their junk. I cannot blame these companies for trying to sell their wares, but donít dig into my personal files to do it. If you are a computer nut like I am, watch out. There are probably a million scam artists out there trying to look into your personal life.
While I am writing this, gas prices are soaring. When is it going to stop? It will not until the government gets involved. Even then itís a fat change they can do anything or will do anything. This will never happen. This world is filled with greed, greed and more greed.
We are going through the second fleecing of the public since I started writing this book. When will it stop? Never!
We have gone through the gas, oil, sugar, meat, coal, grain, coffee, and many other MANUFACTURED shortages. Everyone complained, the politician yelled, and screamed the prices dropped a little. Later the prices eased up more and more. The windfall the companies made over the so call crises is a manufactured fleecing of the public. The best way to avoid this type of scam, stop using the products that have jumped in price. Limit the miles you drive your car. When the public refuses to pay the high prices for these items and there is a glut of the products on the shelf around the world. The prices may drop. With the increase of the world population, the world becoming more affluent and the rapid depletion of resources drives the prices higher and higher.
During the gas shortage in the mid-west the price of gas skyrocketed. There were suggestions to eliminate the 18-cent Federal tax. There is no way in hell the politicians are going to eliminate the Federal tax on gas. There are too many pork barrel strings attached to that money. They would be cutting their own throats. Of course they did not eliminate the 18-cent tax and now there is another gas shortage.
I can understand a shortage of product due to uncontrolled problem with the weather and major accidents that may cause some shortages. Most of the ones that I have seen over the years have not justified the massive increase in prices. Donít let them put the squeeze on you. Change your habits to suit the conditions.
\ Y2K has come and gone. The world didnít end. The Nation Banks didnít collapse. The market has slowed down a little. Most of us are still living. I wish you all a happy and healthy 2000.
All the software manufacturers knew that January 1, 2000 was coming. Why didnít they design the Software to take this into account? You donít know? Then, think a little. They knew that when Y2k would come around and if they did not add the line or two in the software program, they would get new contracts to redesign the software packages. Some of the big corporations are suing the software manufactures. The attorneys love this, look at the money they will be making.
If my memory is correct there was a wakeup call to the Y2K problem back in the 1960ís and 1970ís. If the leader of the industry and the government had listened then, we would not have had the Y2K problem. Some departments of the government and businesses did take the Y2K wakeup call seriously, but not enough of them. Now we have the Y2K scams running amuck. According to what I have read we are lucky. It is only costing us 100 billion dollars. This is a lot less than was expected. How much were they expecting, 100 trillion dollars? Some will say this is what is keeping our economy going. This 100 billion could help our country get out of debt. Build new schools and many more projects that would keep the economy going. Federal, State and local government are going to increase your taxes to pay for it. The corporations are going to increase the prices of their products. You my friend are going to have to take this money out of your pockets to pay the 100 billion dollars.
Now the GOB's are trying to pass legislation to limit the amount the consumer and businesses can sue the software manufacturers. There is a never-ending process to rip of the consumers. I am not a software programmer. I know very little about programming; my first personal computers ran on basic. Every time I thought that I had learned something useful, the programming language would change. When you have to work all day and part of the evenings to support two growing teenagers and a wife, you donít have time to keep up with Bill Gates and all the other smart young coots.
The rate the computer industry is changing, I believe it is deliberate. Instead of inching up in progress, they could have made giant steps in progress before it impacted the consumer. There has been a steady climb in technology. Every day something new pops up. It is a leapfrog effect. The older programs donít work on the new computer systems. The new software does not work on the old computers. You have to buy the newest computers for the new software to work. The only way that you can get an upgrade on your software is to buy a new computer. This has been going on and on and on. The average citizen cannot afford to continue to upgrade every year. This is a very heavy burden on a moderate-income family. In order that their children can stay abreast with the school system and the other kids, they have to keep upgrading every few years.
When you buy a new software program look on the container and see what type of system you have to have to operate the program. Donít be surprised that you have to buy a new computer if you want to use the program. The same applies to peripheral equipment.
I know they are all trying to keep abreast of everyone else or stay ahead so they will be able to stay in business. But, please donít make it impossible for the poor. Give us poor souls a break. Stop fleecing us. Stop price fixing and putting the squeeze on all the little guys in this rich nation of ours.
This scam has come and gone. It has been replaced with others that will leave your bank account empty as the Y2K Bank Scam did too many of you.
Never, Never give anyone information about your bank accounts. Never discuss your bank account with a stranger or a friend. Never give the name of your bank, your social security number, your parentsí names, or any other information that may be helpful to a scam artist. If you get a call from someone and they tell you that you may have a problem with your bank account since year 2000. No matter what they say, do not tell them anything concerning your bank account. If you have a caller identification device on your phone, take down the number and hang up. Call your local bank and talk to the President of the bank or someone that you know and tell them about the call and give them the telephone number.
Year 2000 has come and gone but the ones that were running Y2K scams are still out there. There may be many version of this scam. You may get several calls. They may call you and try a different scam. If the first call isnít successful. They may try again and ask you if you got a call trying to get your account information. They will tell you they are investigating these scams. If they think they have suckered you into the scam, they will pump you for information on your account. I cannot stress it enough, do not tell anyone about your account or any information on the telephone. Hang up on them. Donít even tell them your name or street address or any other information. HANG UP THE PHONE. The scam is, they try to get your account number and any other information from you so they can steal your money, simple as that. When someone calls or comes to your home and tells you they are having a survey, my advice is, tell them that you do not discuss you personal opinions with strangers, period! And, never, never discuss you personal life over the telephone.
We all get telemarketing calls all the time. You may have heard it called cold calling. Someone picks up the phone book and goes down the list. If your name is the phone book you will get these calls. There are many legitimate businesses that use cold calling to drum up business. Many years ago my little foxy wife sold the Wall Street Journal. She was excellent at cold calling and she still is. Over a period of time she sold more subscriptions to the Wall Street Journal than anyone else in the country.
If you have to discuss your bank account with the bank, go to the bank and discuss the account at the bank. If you cannot get to the bank, have a member of your family help you.
I cannot tell you whom you should have faith in. You must decide that for yourself. There have been many cases where family members, lawyers, bankers, police, and friends have scammed trusting souls. Just take care and know the ones that you can trust. Good luck.
There are Phone Cards and there are phone cards. You see them all over. Some of them are a real bargain for making calls whether you are at home or on the road. My wife buys them when we go on the road. She calls family and friends to let them know where we are and to save us a few bucks, she found out the hard way that a few of them didnít work. You buy the card for $10 or $20; they were to give you a certain number of minutes of long distance calls to anywhere in the continental U.S.A. Some worked for only a few minutes, others didnít work at all. You may get stung once, donít get stung twice. Know the company that you are doing business with. Some will save you money. Others will rip you off. Make sure that you are getting a bargain before you buy your next phone card.
I think that all of us that have traveled through our beautiful country and have purchased souvenir that were overpriced. There are many honest merchants all across the country. Again, there are the ones that have no conscious at all. You will pay a fortune for a piece of junk. They will have items in the shop windows and the price is well below the price in your hometown. When you open the carton it is not the item you saw in the window. It looks just like it, but it is not the same manufacturer. You have been hooked. This scam has been around as long as I can remember. I call it the bait and switch.
One that I stumbled on to was in Florida many years ago and I saw a bathing suit on display for a very good price. It was one of the best bathing suits on the market at that time. I took the bathing suit into the shop and told the young lady that I want to purchase the suit. She said to me that the one I had was a display item and she showed me a stack of bathing suits to choose from. The bathing suits inside the store were not made by the same manufacturer, and they did not have any label on them. The quality of the suit outside was excellent and the suits in the shop we pieces of junk. I asked the clerk what was the price of the suit. I handed the clerk the money for the suit and walked out with the suit that was on display. She called to me as I was walking out the door. She said to me that the suit had been outside and it was faded. I called back to her that was OK I liked the faded color better than the brighter colored ones. From the look on her face I knew she was in trouble. At that moment I felt good about outsmarting the young lady. But, this incident has branded my conscious. I still feel sorry for the young lady. She may have lost her job because of me.
This scam is still being practiced all over the country. Just make sure before you give your money to the clerk that you know for sure that it is the item you want. This country is being flooded with every type of imitations of the original that are manufactured in foreign countries and here in the good old USA. Some of the items are just as good as the original. But, most of them are not anywhere close to being quality of the original. The manufacturers of the imitations are fleecing you and the original manufacturers. Donít forget to shop smart.
Amongst many other things that you should look out for is a purse-snatcher, pickpockets, and planned thievery. These thieves are costing many tourists and residence millions every year.
The best way to avoid this type of scam is donít take large amount of cash with you. If you get hit you donít lose too much money. Donít wear expensive jewelry and donít flash large bills in public. You are inviting them to hit you. Friends of ours were in a European city sightseeing. They were strolling down a congested street when two men ran up to them and one of the two men slammed into my friend. He landed face down in the gutter. The other man grabbed his wifeís pocketbook. By the time my friend raised his head out of the gutter the thieves were half a block away. The crowd on the street just watched and did nothing.
They found a police station and the officer could not speak English and they couldnít speak his language. The frustrated officer with gestures and charades told them they were lucky that the thieves didnít cut off his wifeís hand for her rings and her neck for the necklace. You can be ripped off anyplace in this world and it is getting worse every day.
Recently we took a red eye flight to New Orleans. We were checking in at a motel around 1:30 AM. If we had been a half-hour earlier we may have been the middle of what had just happened. A group of men busted into a womenís room and robbed her
So be careful no matter where you are. To avoid pickpockets stay out of crowded places, whether you are at home or on vacation. Ladies keep your pocketbook closed. Donít be lazy and forget to zip or buckle your purse. You guys make sure that your wallet pocket is buttoned up.
My Foxy little lady is lazy about closing her pocketbook. We were in NYC shopping. We donít like to shop together. She does her thing and I do mine. Later we meet and go home. When we met she told me that someone had taken her change purse out of her pocketbook. She said that she was at a bagel shop in Times Square waiting for her order and someone had taken something out of her pocketbook. New Yorkers as they are, they do not want to get involved. After her purse was taken, a man told her that a young kid about 8 years old took something out of her pocketbook. She had taken off some of her jewelry and put it her change purse so that no one would rob her. Well, he didnít see anything on the outside so he took a look inside.
Some purse-snatchers ride in cars, motorcycles, or bicycles. If you are walking, stay away from the curb. If someone snatches your purse from a car they could drag you along the street.
Again, I am not trying to scare you. Just keep in mind there are many thieves out there waiting for you to do something foolish. Donít take large amounts of cash with you or take valuable items with you. Get out in this world and enjoy yourself. Good luck and be a cool cat.
If you do not know the reputation of the company you are going to hire, call the Consumers Protection or the Better Business Bureau. Request information about the companies that concerns you. This is a good policy whenever you are planning to make a large purchase. Do your homework. Get at least 3 quotations for any job that you are planning. Check out their references. It is your money that you will be paying. Make sure you are getting what you are paying for.
Oh, he is such a nice guy; I donít want to question his integrity. I would be embarrassed. BS!! If they make you feel guilty. Donít do business with them. Gets a written contract spelling out everything they are going to do? List everything, item for item, the exact price to the penny. No options and no additional cost. If they under estimated the cost, and they want you to pay the difference, make damn well sure that you are not being had.
I can understand when a contractor estimates a job and runs into a problem that was not expected. They took core samples to 4o feet below the surface. They missed a mammoth rock and it would cost well over the estimate to remove the rock and complete the project. If it had to be removed, either cancel the job, or make some adjustment that would satisfy both you and the contractor.
It is very important to know how much each item is going to cost you before you have them done, whether it is a large job or a small job. It may cost you more to have it done than you can afford or you want to spend. If you cannot afford the cost of the job, cancel it. Wait until you can afford it. Donít put yourself in debt!
Have you ever bought and item and the salesman wanted to sell you a service contract. When you look at the overall price and the terms of the service contract, you could almost buy a new one for the price of the service contract. When you read the small print and it is deliberately small to make it hard for you to read. The warranty is so long, and confusing that most of us gives up trying to understand what is warranted.
Some of the warranties are so limited that they are useless. The conditions and terms on the product require you to do everything under the sun to keep the item from falling apart. I pay attention to the warranties on the big-ticket items, the ones that will cost you a fortune to repair.
I try to trust everyone until I find out that I have been taken. This gets my dander up. I recently purchased studded snow tires for my daughter-in-law. So that my son did not have to pay for the tires to be removed from the wheels in the spring and remount the regular tire, I purchased new wheels for the snow tires. I gave the tire sales person the size of the tires that I wanted and the wheels. The size of the tires was written on the sales slip. When I went to pick up the tires, a very nice man offered to put them in the trunk of the car. Of course they would not let me go into the service area. You have seen the signs. (Our Insurance Policy doesnít allow customers in the service area.) This may be true. Anyway I didnít get a chance to see the tires before they were put into the trunk of my car. I didnít think about looking to see if I had the right size when I removed them from the trunk.
When my son started to put them on the car he noticed that only one tire was the right size. He lives about 35 miles from me and where I bought the tires. I didnít have the tire warranty and final sales slip. I had given it to my son. But, I found the slip they had written up when my wife paid them for the tires. I just wanted to find their phone number. I called them and they didnít have the right size tires in stock. I asked if they could get the tires from another dealer of the same franchise. They told me that there wasnít another dealer anywhere around. (Later I found out this was a bold faced lie.) They told me that they had to have them shipped in from their distributor. Rather than put you through all the gory details. There are other dealers nearby and I found out that they had the tire in stock. I told them I would call them in a couple of days to see if they got the tires in. I looked at the sales slip and started adding up the cost. They had charged me for a road hazard warranty, not for one tire, but for all the tires. The total cost for the road warranty was more than the cost of one tire. We did not request a road hazard warranty, nor did they tell us about the warranty and explain our options. I requested 4 snow tires with studs; valve stems, balanced, and mounted on my wheels. Nothing else. Two days later I called to see if they had the tire. Of course they didnít. I was a little bit nasty. I told them I was going to get more wheels and they better have the right size tires when I got there. They promised that they would have the tires when I came in. I got the other wheels and went to dealer. They told me that they had sent someone to pick up the tire and it would be ready about noon.
I confronted them with the road hazard warranty that I had not requested. He said we always quote with the road hazard warranty. I did not tell them that I didnít ask for road hazard warranty nor did anyone tell me that it was included in the price. He told me if I didnít want the Warranty, he would give me the money back when I brought back the other tires. I left the wheels and they promised that the tire would be in within a few hours. When I returned to the store, they didnít want to refund the road hazard contract cost. They told me that they had given me a package deal that included the valve stems, the balancing, and the road hazard. They said that they would take off the road hazard, but the cost of the valve stems and the balancing would be as much as the package. I asked, ďIn other words, you will not give me back my money. But, you are going to take away the road hazard contract." He answered, "YES." I said, "In that case, you will get a bill for me for my trouble, time and expenses you have caused me. My fee is $100 hour and the expense for my trip to pick up and deliver the tires. I have spent over eight-hours because of your mistake. I will bill your company for $800 plus expenses. I will have to calculate the cost of the use of my car and gas."
Of course they made me purchase the other three tires. They installed the tires on the wheel. I delivered the tires to my son. When I returned the next morning they gave me back the money for the tires plus the road hazard money. My wife told me I should have billed them for my trouble anyway.
I am 73 years old I have never had a tire damaged from a road hazard. In W.W.II I used a tire until it was worn through and would not hold the air pressure. Do you remember putting a boot inside the tire that had a large hole?
It has been so long since I have had a flat, I could not for the life of me tell you when I had a flat or a puncher. The only time I do remember having a flat was when I came out of a movie and all the cars in the parking lot had flats or partial flats. I was one of the lucky ones. There was a gas station about a block away. I slowly drove to the gas station. Fortunately there was enough pressure left in the air tank to inflate the tires so I could get home. Others were not that fortunate. (I never had a tire go because of a road hazard, which is the truth.)
After I wrote the above, I took a trip across country in a new car with four brand new tires, I didnít have one blowout, I had two and a nail in the third tire. I guess that someone up there heard me; they thought that I should get my share of blowouts and flats. And I have had two more flats since then.
Make sure that they explain all the options and details on your estimate before you sign on the dotted line. It you ever get hooked, fight like hell. Donít let them get away with it.
When you purchase an item sometimes the sales clerk will ask you do you want an extended warranty on the item. I always ask the clerk how long is the standard warranty. Usually it is for 30 days. Some have a warranty for a year or more. From my experience over the years, if the item doesnít have instant mortality, and it runs good for a week or two, you donít need an extended warranty. I may be wrong on some things. Many items will last for many years if you take good care of them. You may get burnt a few times in your life. You will have to be the judge on what you purchase.
When you have a problem with an item you purchase and the dealer doesnít assist you in resolving your problem, look for help elsewhere. If they are a franchise of a large corporation, call or write to them about your problem. If they donít correct the problem, call the Better Business Bureau and Consumers Protection in your State. If we all attack the businesses that rip us off, maybe we will get a fair shake in this world.
I have gone over this before. It burns my ass like a flame three-foot tall.
George W. Bush said that there is a surplus and the surplus should go back to the people. What people? The rich? When the nation debt is still in the trillions of dollars there is no surplus.
Whether itís a family, a city, a state or a nation you have a surplus when all the bills and debits are paid off. There is no surplus in this country. Most of the families, the cities, the states, and the country are deeply in debt.
The Republicans and some of the Democrats wanted to give us a tax break. It isnít a tax break for most of the taxpayer in this country.
If my memory is correct, a number of years back, congress tried to even out the amount of taxes a single person had to pay compared with those that were married. A single parent had to pay the same expenses as a married couple with only one income. Now they want to change it around again.
The amount they wanted to increase your personal deductions is not a saving on your taxes. The increase in medical, mortgage rates, credit cards, drugs, state, and local taxes, and many other expenses that are deductible would well exceed the increase in personal deductions they wanted to give us.
The cost of living and other cost have gone up so much that you can itemize your personal deductions and save as much if not more than the amount they were going to give us.
I have mentioned the following before. When you and your wife both reach 70 1/2, the extra amount that you have to add to the top of your income will put you into a higher tax bracket and the more taxes they will drain from your social security.
If they let you start drawing money out of your IRAís when you need the money and you can write it off on your personal expenses they will be doing all of us a favor.
If we pay off the national debt and if there is anything that is left over, then there is a Surplus. The politicians think us, "the American People", they are always talking about, are all a dumb bunch of jackasses. Maybe they are right; we have let them stomp all over us for all of our lives. You are being scammed by the politicians that you elected to represent you in your government. You are paying their salaries and they are screwing you. I may sound bitter, well I am.
Who is really getting a tax break? It is not the average American.
Have you worked for a company that insists that you contribute to a Charity of their choice? They deduct it from your paycheck. You see the company president in the news presenting a check to the head of the local branch of the charity that you and your fellow workers have been contributing to. They did not mention that the employee contributed the money that was given to the charity. The Company gets all the praise for their community services. That is a slap in your face. The president of the company could well afford the contribution that the company demanded the employees could not.
Then one day you read in the paper about the CEOís, of the Charity you and your coworkers have been contributing to for years has been ripping off the Charity. Or, he gave himself another million-dollar raise. From the publicity the Charities have been shoving down our throats, you would think the CEO of the Charity had donated a year of his pay to the Charity. The hell he has, he has been fleecing you and me.
Donít get me wrong; I am not trying to tell you not to contribute to your favorite charity. Just keep tabs on them. Find out where the money is going. How much of the money that is collected goes to help the unfortunate.
There are companies that do all the promotional work for the different charities. The charities only get a small fraction of the money that is donated. The promotional companies get the lionís share. If you are going to contribute to your favorite charity, just mail a check directly to them. This way most of the money that you contribute will go to help someone.
You will want to nail me to the cross. I think they all should be examined. Who is going to do it? No one! When someone in the group isnít getting his share of the take, he will turn on the leaders and expose them. The whistleblower and his friend will rob the congregation and the followers until someone else comes along and blows the whistle on them.
Again, donít get me wrong. I have my belief in God. No matter what religion you believe in and the way the leader of your faith expects you to worship. We all have one God regardless how we worship him. I cannot say that I hate the hypocrites. They burn at my soul. I cannot let myself hate anyone. I may dislike what they think is right, but I will not hate them for it. It is very easy to hate someone; it is much harder not to hate them. Do not let hate erode you souls. If you hate, do everything to wash it out of your body. I went over hate before and it needs to be repeated many more times.
Do you know how many trillions of dollars that are taken from the pockets of those that cannot afford to give one cent to their faith? The rich are not giving their fare share, nowhere close to it. These groups have quotas to fill. They demand that you give a percentage of your pay or all of it, not a penny less. They will shame you, and tell you how unfaithful you are to your church. They will pressure you until you give everything you own.
The thing that bothers me the most is the poor souls that are going to these churches with such deep belief in God and the Church. They will follow the demands the church leaders to hell, thinking that is the right thing to do. I know that God will judge them for what they do here on earth.
A Religious institution has scammed their member out of millions of dollars by having them invest in a company that they recommended. From what I heard on the news, the members were told that if they invested they would double their investment in less than a year. The truth of the matter is they may not get any of their money back. Who can you trust? If the minister of your church suggests that you invest your money into something that sounds too good to be true. It probably is too good to be true. If you are greedy you will invest. Donít be surprised if you lose part, if not every cent you have invested. The chances are that you will be intimidated and feel that you have to do what your minister tells you. If he is everything you think a minister should be; he would not be offended if you told him that you are skeptical of this type of investment. If he insists that you invest, I would change to another church. The minister should preach the gospel of the Lord. He is not an investment counselor.
There are many get rich schemes on the Internet. They tell you how you can double or triple your money is a very short time. Donít be a fool. Make sure you do your homework before you invest in any of these shams. The minister that had his congregation invest in this scam may have been hooked by the scam himself. The way some of these scams start off they let some of the invested at the beginning of the scam get a big return on their investment. They are so pleased with their good fortune they have to tell everyone else how much money they had made. In turn this group may get a nice return. Then they will tell someone else until there are millions of people investing into the same scam. The scam artists have taken the moneys from the newer investors had paid off the older investors. When the scam artist feel that they have reached their limit they close shop and leave millions loosing every cent they have invested. This scam has been around as far back as I can remember and it is still being pulled.
The following is for everyone, Man, Woman, Young, Old, Rich, Poor, Smart, or the Dumb. What I am telling you can happen to all of you and it has happened to many people. Believe me! It is happening every minute of every day.
I have mentioned the evils of man, POWER, MONEY, HATE, and GREED. I could have said sex instead of romance. Either one would have meant the same. At this very moment I do not know what percentage of marriages goes on the rocks. I remember the divorce rate was around 50 percent. That is, for every 100 that get married, 50 get divorced. Love and commitment is not what it was many years ago. There are many factors that cause divorcees. I will not go into the depth of why couples get divorced. I will discuss how many brilliant individuals get fleeced from the problems that come from divorce and the need for romance. I am going to the top of the age group and work down.
I saw in the news a report about the number of older men and women have the same type of sexual problems. I will not enter into the facts that were in this report. What most of us in our senior years need is some type of companionship. Whether it is sexual or just plain loneliness, it does not change how vulnerable you are for a scam. It is a shame that this world is so full of people that are vultures just waiting for someone to lose their love ones, or friends. The worst are the young that prey on the elderly that have lost their mate. It does not make any difference how they lost their companion; the vultures will adjust their sham to suit the circumstances.
If you lost your love one and it appears in the paper, there are hundreds of people out there that will use your circumstance to relieve you of whatever money or income that you have. Whether your love one passed away or married another person. The vultures will help you fill the void in your life for a price. You will pay the price. We all need to continue life no matter what occurs. But donít let your better judgment be over ridden by your desires. I know it is hard to live alone and have the other side of the couch or bed empty.
My advice is do not sit around and deteriorate in a corner of this world and go into self-destruction. If you find yourself slowly deteriorating, take a step back and look at your problem. There are others that have gone through the same problem. You had friend before you lost your mate. Talk to them; tell them about your problem. Just donít give up. Start doing the things that you wanted to and never had the time or opportunity to do. Look around for support groups that you never had the use for. They may be able to help. Talk to your friends that have gone through the same problem. Just do not become a victim of a scam.
Every day the same thing that has happened to you happens to millions of individuals around the world. The vultures are everywhere. The void that they want to fill in your life is not a solution to your problem. The solution they have in mind is to relieve you of your money and leave you in a condition worse than the one you were in.
A younger person marries an older person that had lost his or her mate. Scam artists are experts at getting involved in your life. The approach is very smooth. The older person does not know that the vultures have been through this situation many times and know all the tricks of the trade. Before you know it you trust this vulture. You bring them into your life. Before you know it, they are the person that you are going to spend the rest of your life with. You will never remember who proposed marriage. Heaven is on earth. The most wonderful person has entered your life. You rewrite your will and left everything to him or her.
There are many cases where someone has come into someoneís life and killed him or her for their money. Many victims have died from various causes and the murderer has gone free. Not only have the victims lost their lives; they lost their homes and every cent they had. There have been many criminals that have gotten away legally with this scam. Just be careful and donít let your desire override your common sense.
I will say this again; I am not trying to scare you. Nor, have you think the worst of everyone you meet. Just keep your head on your shoulder, do you remember the rooster that walked across the railroad tracks, and a train clipped part of his tail off. He turned around to see what had happened and the train cut off his head. Just remember donít lose your head over a piece of tail.
This is for the young and middle age Romeoís. If you get divorced or lose your mate, do not think the world is over. Do not let anger and hate destroy your life. So, you have lost you mate. Start a new life without your mate. It may be hard for you to start over, look for help. You are not the first and only one that has had this problem. The ones that have gone through the same problem you are going through are eager to help others with the same problem, they can help you, and you can help them. Both of you need to discuss your problems with someone else. Keep your head straight. Donít throw it all away. There is a better life out there waiting for you.
For the ones that get divorced, when you are alone and have a few moments to yourself list all the things that you feel that destroyed your relationship. Do not put all the blame on your X. Try to remember why you married your X. List all the wonderful things you saw in your X. Think about the good time as well as the bad. If you get a divorce try to keep a friendship with your X. You had a lot in common at one time. It may be hard, but try to be civil with each other. If you find someone else that will fill the void in your life, do not make the same mistakes that you made before. On the other hand, donít be taken in by a smooth talker. Get to know more about your new friend before you make a new commitment. If they do not want to talk about their past, be careful. Yet, donít irritate your prospective mate. Donít rush into any commitments with anyone that does not eventually open up to you freely and invites you to meet their family and friends. Do not let them know how much money you have or your financial status? If they care for you, that is not a concern to them. You want someone that likes you for who you are not how much money or property you own. Of course you will want to know how they are set financially. This is a very tender subject. Too much pressure into the finances may frighten them away. If they want to borrow money and tell you that all of their assets are tied up. Tell them that yours are tied up also. If they try to make you cash a CD or sell your stock to help them make a bundle, the bundle they are talking about may be your cash.
When you marry if it is the first time or twenty fifth times, do not put all of your finances in a joint account until youíre sure that both of you can trust each other. It is best that both of you have you own nest egg. Both of you should be somewhat independent of each other. This way neither one of you will have to be dependent of the other. It is a good feeling to be able to spend your money and not have to ask your mate for money. And, have them question you about what you are going to spend it for. This is humiliating for both of you.
The money you both make should be divided into three parts, one for any major purchases, a home, a car, and any similar purchases. The next is a joint account that is for all your living expenses and your future. The last should be for each of your personal accounts. Try to be fair to each other and do not argue over money. This is one of the major reasons for a break up.
Many men have the problem called a roving eye (sex). Women have the problem also, maybe not as much as men. I believe women want a little more romantic and security (money and power). Why are those words keep popping up? That is just the way life is. I guess?
Ladies if you have found your mate do not let you ego and self-esteem override you common sense. We know that it would be nice to be a Princess married to a Prince that is handsome, rich and powerful. Men donít those big boobs and that sexy little ass drains the blood from your brain. Both of you must think twice before you do something foolish. Also, donít get all bent out of shape when you see your mate looking at someone other than you with desire in their eyes. Remember you both are human. I believe so.
Many years ago I worked with a married woman that talked quite openly about peopleís sexuality. We worked in the front of the building where we could see everyone passing by. One day her husband came to the office. As he approached the building a beautiful, sexy young lady with all the right features to drive most men out of their mind passed by her husband. Her husband spun around in his track like any red blooded healthy man. His month hung open and his eyes were popping out of his head. They were glued on the young lady. His wife was a little upset with what she saw. Her eyes were cutting him and the young lady apart. After his senses returned he entered the building with a smile on his face. He greeted his wife with a, "Hi Honey," and a peck on the cheek. She was still a little perturbed. He put his arm around her and patted her on her butt. She pushed his hand away and told him to stop it. In a few minutes he got a smile on her face and she pulled him close to her and put a hand on the back of his neck and gave him a big kiss. She had forgiven him.
After he had left she looked over at me and said, "Donít say a word, I donít care where he gets his appetite as long as he comes home for dinner."
That understanding and forgiving made a very happy marriage. We all have those moments when we get jealous of something our mate does. Just remember what was the attraction for you and your mate. Remember the grass always look greener on the other hill.
Whether they are young or old, the vultures are always looking for a sucker. Please donít let it be you. These vultures will approach you in many different ways. It doesnít make any difference which approach they use. Whether its romance, friendship or casual acquaintance or they are young or old, men, or women, just be careful.
There are many diets and weight loss programs on the market. A lot of them are very good. But, there is one factor that they do not stress enough. They should tell you up front that if you expect miracles do not buy their product. I know from my personal experience that there is one ingredient that most of us do not pay much attention to, the guidelines that are presented in these programs. The companies that sell the programs whether they are tapes, or books, and since we have paid for them already, the company cares less. They have hooked you, you bought their program, and they are going to enjoy your money.
What are the secret ingredients? WILL POWER, DETERMINATION, JUST FOLLOWING THEIR ADVICE. I know we all love to eat. When it comes to eating, I am in the front row with the best of them. Fortunately I have a little bit of will power. That will power is my wife. You know the old saying; behind every successful man is a brilliant woman. You could call it a nagging wife also. I am thankful for my little nagging wife. If it wasnít for her, I may not be here today. Through her nagging and determination she got me to stop smoking. She being a vegetarian and exercising religiously has helped me to stay in line. I have to eat what she cooks and she drags me out of the house to exercise.
If you go on one of these programs just keep in mind how long it took you to get into the shape you are in. It will take twice that long and maybe longer just to show some improvements. Do not go on a crash diet. Donít expect miracles. If you do you may burn out before you get started. If you really want to lose some weight, start slowly, keep it up, and donít give up the battle.
A balanced diet of all the basic food groups is the best diet. As long as you do not over eat and exercise you will lose weight. Do not cut your throat, sew up your mouth or have your stomach stapled. Start by cutting down a little every week. Do not cut down on your regular meals and then snack all day. I know it is hard, just try to have the will power to hold off to the next meal. Over eating is just as much an addiction as smoking or any other additive things. They all are very hard to break. If you cannot hold off eating something, have something prepared like carrot stick, celery, and just plain water. You can satisfy the hunger pains with these. Try to eat slowly and chew your food thoroughly. I have heard that this helps somewhat. The habit of putting something in your mouth is very difficult to stop.
Look at yourself; do you really have to eat everything that is within your reach to survive? Hell no. I am not a Physician. Nor do I claim to know anything about nutrition. It is just common sense. Long before the diet fad came around, the schools taught us that a balance diet in moderation was the best for our health. I do not practice what I preach. But, I do my best. That is all anyone can ask, just do your best to cut down on your intake.
Have you watched TV lately? The rear ends of the average American looks like the rear ends of an elephant. Almost 20 percent of the 275 million in this country are overweight. People in other countries are not as fat as we are. I know we have to keep the economy going. If we all stopped eating, the world would go broke. Seriously, just cut down on the amount that you eat gradually. Make it a challenge for the whole family. Have fun doing it. I wish you all the luck and me too.
Why did I put "Diet" in with fleecing? I have seen in my own home the things we have bought that have not worked. They are just gathering dust. If you take my home as a classic example then multiply that by the number of home in this country. It will be in the billions, not including the rest of the world.
There are so many ways that Federal, State and Local Governments rip off the citizens of the U.S.A. The same applies for all the countries around the world. The IRS rules have been changing. Will they work? I hope so. Only time will tell. My heart goes out for those poor souls that have had their lives torn apart from the overzealous IRS agents who prey on the citizens of this country, just to get promoted to a higher position in the IRS. They should never promote an individual for destroying someoneís life. There should be a compromise or give the individual an honest chance to pay their debt. The government cannot get anything from a dead horse. This type of attitude breeds discontent all over the country. It makes honest individuals cheat on their taxes. If the IRS is going to play dirty, why shouldnít I? We donít need this type of attitude in a civilized society.
I donít mind paying my fair share of taxes. But, the waste that is going on right now with a special prosecutor is driving me up the wall. How can the Senators, Representatives, and the Justice Department justify the unlimited expense that is going on now and has been gone on in the past? There has to be a limit on the time and the money spent on this type of activity. In my opinion the results do not justify the expense. If the government can spend all the millions to investigate the President, what can it do to average citizen? I pray that the country will abolish this type of extravagance.
I may I have mentioned the pork barrels. Too many congressmen have a pet project that they want the government to finance. Most of the projects do not benefit the citizens of the state that the money it is going to. It is usually going to a corporation that has financed the congressmanís political carrier. In some cases, the contract may keep the residents in a particular area working. In many cases the amount of money that goes back to the working population is very little compared to the growth of the stock in the corporation that gets the pork barrel contracts.
The politicians will tell you all the benefits this project will bring to your community. I can understand that some of the money supports the community and provides jobs to the community. The money that is spent by the government for these projects does not provide enough money to the residents in the community. The local contractors are usually over looked and the few jobs that are provided for the local residents are only a drop in the bucket.
Almost every Senator and Representative has a pet project that they want the taxpayers to pay for. Wisconsin Senator William Proxmire would give out the Golden Fleece award to some of the projects that were not worth the money that the taxpayer had to give up. If you read a little further there is an article about the "Golden Fleece Award."
Donít get me wrong, there are many projects across the country that are desperately needed and the states cannot pay for the projects alone. They need help from the federal government. The federal highway systems across the country, and the Hoover or Boulder Dam are two examples. Everyone in the country had to help one-way or the other. All branches of the military and NASA could not be operated by one state.
We all live in this environment. We must keep it fit to live in. If we do not spend our taxes on the environment we all will eventually drop dead. Some will say we all are going to die anyway. Why spend the money? Why, it is for the future generations on this earth. This world we live in is a beautiful place. Letís all work hard and spend the money so that our children and grandchildren all over the world enjoy the wonderful place we call earth. MAY THERE BE HEAVEN ON THIS EARTH.
Senator McCain was on TV and he made fun of two pork barrel projects. The biggest problem that lies in this country is that all of the politicians cannot see the value of other pork barrel projects. They can only see the values of their own projects. This is wrong, wrong, wrong. Senator please stand in the corner for the rest of your political career.
Before I would ridicule any of the pork barrel projects, I would want to know if the funding is warranted. Letís look at the two that Senator McCain made fun of. First letís take the Mississippi manure project. Without digging into the manure pile, we do have a massive problem with waste from every creature that walks on this earth. If we do not do something drastic about the waste problem we all will be in trouble. None of us will be able to live on this earth. The people in Mississippi may have taken a trip through parts of Texas and California. The runoff of the massive cattle pens that I have seen must put a great strain on the ecology of this planet. The runoff of these areas must be contaminating the water systems.
The other pork barrel topic that Senator McCain complained about was the grasshopper problem in Alaska. He had not looked into or had his staff look into either project. We have all seen the problem that locust and other insect can do by destroying the crops all over the world. Before I would make fun or vote against these two pork barrel projects until I was sure that they were not pipe dreams or a pet project of one of the GOBís. Wake up Senator. Tomorrow you may wake up with cow manure flowing across your bedroom floor and a horde of Grasshoppers eating your house and everything in it including you.
Recently I saw an article in the paper that Texas was having a Grasshopper problem. I wonder if the Texas Senators belittled the Alaskan Grasshopper problem. What about it George W?
The biggest problem we have is the GOBís. You scratch my back and I will scratch yours. It doesnít matter whether the project benefits the public or not. You vote for my project and help me get it through and I will do the same for you. Buddy, they are fleecing you and damn it, itís legal.
Donít get me wrong. There are many reasons that we have to pay taxes. In general we get more for our money than most people do in other countries. Pay attention to what your elected official are doing with your money. There are some things our government spends money on that I donít believe are necessary. Other will disagree with me. Well the world isnít perfect and my bitching alone will not change anything. But, if enough of us complain and elect the person that thinks the same way we think then maybe things will turn around to all of our advantage
We all have to be serious with what we spend our money on. This is why I am writing this book. The Senators and Representatives must not let their partisan political attitude blind them of the seriousness of the need to be frugal at all levels. Wake up America; you may need that penny that is lying on the ground that you passed up.
Many businesses around the world are holding on for their dear lives. Other businesses are putting them out of business. How is this happening? Their competitors are charging less for their wares. Competition is usually the mean to the end of their competitors. If the federal government goes into the drug business and control the distribution of drugs then there is no more drug war.
First let me tell you that I do not approve of any drugs, over the counter, prescription, or illegal. Yet, there are times we must take a prescription drug for health reasons. There are many prescription drugs that are abused by billions of people around the world. Many of them kill themselves from self-induced overdose. Please do not take more than is prescribed by your physician. If he gives you more than you need, take only what is required.
Various administrations have been fighting illegal drugs as far back as I can remember. Your government has been throwing your hard-earned money into the trashcan. They have not stopped the drug trade. The drug trade has increased every year. As long as large amounts of money can be made in the drug market, there will be someone among us that will take the chance and sell illegal drug.
Prohibition did not work and the drug war will not work. There are too many people that are making huge profits from the sale of drugs. Do you remember William Bennett; he was going to single-handed stop the drug trade. Fat chance!
The federal budget for the drug war is well over a billion dollars. Another billion or so is given to the military to aid the DEA. The state and local governments spend at least that much if not more.
The innocent people in this world are caught in the crossfire of the government and the drug trade. Not only does the government take and waste your tax dollars on the war on drugs, they have stolen and/or destroyed innocent individualís property due to the new laws that are on the books. If you are a property owner and the DEA, FBI, state and local police have probable cause they can wreck you property or take it away. You do not have to be guilty, they will build a case against you, and you will have to spend a fortune fighting their charges. If they say they found drugs on your property, the courts will believe them not you. Even if the evidence is planted on your property, what chance do you have? They can leave your property damaged and find nothing. They will not pay you a penny for the damage. If you file a claim against the ones that destroyed your property, they will tell you the government does not have to pay you a cent. They send you a statement of other court rulings that were similar to yours where the claims were thrown out of court or ruled in favor of the government. You get nothing!
The jails are full. Why? Most of the inmates are in jail for the procession of small amounts of drugs. Would you put a man in jail for carrying a pack of cigarettes or a bottle of wine? In Alaska, they have passed a law that allows small amounts of marijuana for personal use. I am sure that they still have a drug problem. But, I believe the jails should not be filled with inmates that were convicted for carrying a joint or a small amount of marijuana. We use many things to let us have a little euphoria. Just because there are a few well-intended individuals opposing the use of drugs, the rest of the world has to suffer from the laws that they perpetuated.
My feeling is that we will never stop individuals from doing things that are objectionable and that are detrimental to our society. As there are drug users today there will be drug uses 10, 50 or 100 years from now.
If the government allows private concerns to open drug shops across the country, and control the production of drugs, the price of drugs will come down. The users would come out of the closet and they could be helped to control their habit. It would take the money out of the underworld. The loss of money, time, and deaths of many of our citizens would be greatly reduced. And, last but not least, instead of spending our money to fuel a never-ending war on drugs, the government could collect taxes on the sale of drugs. Just maybe this would help give us a tax cut the Republicans have been screaming about.
The gangs that have sprouted up all across the country are largely from the selling of drugs. The number of gangs would be reduced if drugs were legalized. The gang wars that are going on today are mostly to control the sale of drugs. There will always be gangs that will try to extort money from others. At least, it will take the profits out of the hands of the gangs. The money we save fighting the gangs in this country and all the Latin American gangs could be spent to reducing the national debt. There is a spot on the Internet that shows how much deeper our country is getting into the quagmire of drugs.
If you believe all the BS that is coming from the United Nation, and politicians around the world, it would be of no use to continue reading about the drug war.
Like any addiction, it is a medical problem. We should put more money into the treatment and prevention. Not into fighting the drug dealers, who profits from the sale of drugs? The DEA would go out of business. The unscrupulous police forces around the world could not survive with their meager pay. The large businesses that are laundering the profits would lose billions every year. The poor nations around the world only source of income would vanish. A pound of poppy seeds will never get the same price as a pound of heroin. The profits for drug sales are going into legitimate business around the world. Will the leaders of these countries stop their people from growing poppies and coca? Never! We cannot get the government to stop tobacco from being grown here in good old USA.
Leaders of other countries around the world are telling our leaders to clean up our problem of drug addiction. They are right. Stop the addiction in this country and the drug trade will dry up.
Kids in this country are not being educated to the problems that drugs can do to oneís body and mind. They are all going to raves parties around the country and nothing is done to stop them. They are experimenting with every type of drug that is on the market. These are the breeding grounds for the future drug addicts.
Why hasnít our government spent a few of the millions to stop these drug fests that are popping up all over the country? Wake up Senators before it is too late! Your children and grandchildren are going to these drug fests.
If you received a letter in the mail, or a phone call and itís too good to be true, then it probably is. That should set off a red light to stop you from being set up to being ripped off. You can bet itís a scam. Someone out there, whose career is to rip off the unexpected, is knocking on your door. If you are greedy and think that you are smarter than they are, go ahead, 999 chances out of 1000 you are going to be hooked.
I received a letter that said there was millions of dollars waiting to be transferred to my account. They will pay me 35 percent of the amount that is deposited into my account for letting them use my account. They said that this must be kept in strict confidence and do not tell anyone about this transaction. The letter tells you not to go through international telephone operators like AT&T. They want your account number, the name of your bank, the bank's address, and the telex number of your bank.
Never give this type of information to anyone through a letter, over the phone, or fax this information. Know whom you are doing business with and watch what they are doing. At times we have to trust someone. But, make damn sure that they donít screw you. Since I came over the hump of old age, the number of people that have been trying to shaft me has doubled. They look at me and say to themselves, "That stupid old coot doesnít need all of the money heís got. I need it more than he does."
These bastards think since you are old, you have a good nest egg, and they want that egg. Be sharp you old coots donít let those creeps fleece you!
Never send the information they requested or call them. There are scams that bill you for connect time to their telephone system. It is similar to the 900 number we have here. You will receive a letter that you have won or if you are one of the first ten that call the number you will receive a very valuable prize. You call the number, they will put you on hold, and you will run up a large bill. The greedier you are the longer you will stay on the line, the bigger the phone bill will run be. Millions of dollars are lost every year with this scam.
A number of these scams are being run by people in foreign countries. Not only are you running up a long distance call, you are paying them a fee for the use of their 900 number. You get socked both ways.
I receive unbelievable offers in the mail and over the phone. These individuals would not be giving me all of the wonderful things unless they were getting something for their efforts. They have to pay the person that called me or spend the money to publish and mail all the letters they are sending me. A larger number of people out there are being hooked. Donít you be the next one that gets hooked?
Just a reminder, if you want to give to your favorite charity or any other charity, make damn sure it legitimate. In my local paper I read about a telemarketer who had had raised over a million dollars and only gave about one hundred thousand to churches. Wait the best is yet to come.
The money that was raised was to help AIDS victims. The church founders havenít provided any evidence that they have given any of the money to help AIDS victims. The telemarketerís friends established six churches. The new churches have only 2 members.
This is the clincher. The FBI-led a criminal probe of the people involved so far they have not broken any laws. Need I say more?
I do not know it this is a scam or just a legal rip-off of the seniors. My wifeís doctor has prescribed a prescription drug that she is taking. As the Democratic have said, the drug companies are ripping us off. As Mr. Gore said in his acceptance speech seniors should not have to make a decision whether to spend the money on the drugs they have to take or pay the rent.
My wife has been receiving calls from various companies that have a prescription plans where you pay a small fee and the pharmacy that are associated with the companies will reduce your cost for the drugs you purchased. She asked the various companies that called her what would be the price of the drugs she had to take. They would not tell her how much of a saving she would get. The pharmacies that she called that were associated with the plan would not tell her how much of a saving she would receive either.
She joined one of the plans and had her prescription filled. Do you know how much of a saving she got? Nothing, not one red cent. She called the company she had signed up with and told them to please tell her why she did not get a reduced price for her prescription. They said they would look into it and call her back. She hasnít received a reply. She discontinued the plan and is not going get involved in another plan unless she gets all the details up front. I have no idea if this is a scam or a legitimate business. We should not have joined the plan before they tell us how much of a saving they would give us. Just be careful if you sign up for one of these plans.
I received an e-mail from a friend of mine about a scam that allows someone to use Your Phone account. He received a call from someone telling him that he was an AT&T Service Technician and he wanted to run a test on his phone. The caller said that to complete the test my friend had to dial 90# and then hang up. He refused to do what the caller requested and the following day he called the Phone Company and inquired about the call. The phone company representative told him if he had dialed 90# he would have allowed the caller to use his phone line to make a long distance call to anywhere. This has not happened to me and I havenít checked it out. My suggestion is never fall for this type of scam. If you get this type of calls hang up on the caller, call the Phone Company, and tell them about the call.
Just a few days ago my wife and I were leaving a very large food chainís local store. Two of the things I have written about occurred on one purchase. The checkout clerk did not return my wifeís change of the amount of $12.84 and they rang up the regular price of an item for $3.69, not the sale price of $2.49. If my wife didnít ask the clerk for the change and didnít check the sales slip we would have been fleeced for over $14. Donít think this was a simple mistake. No one would have called us at home to tell us that we were over charged and the clerk forgot to give us our change. As I said before, she is a foxy little lady. Donít be one of the suckers they hook. Be a smart old coot.
I will not mention the names of the companies that have ripped the citizens for billions over the years. When they can give away million in prizes, they must be making billion of dollars. You know who they are!
When I get these letters and they tell me that I am in the runner-off for winning the sweepstakes. And they send a long list of items that I can buy and they tell me to send my order to one address and if I am not going to order send it to another address, they are intimidating me to buy something. They make you feel that if you donít buy something your name will not get in the drawing. If you buy, they have you hooked.
I appreciate manufacturers sending me advertisements. This broadens my knowledge of what is new and I can compare prices of products that are in my area. If I want the item, I order it. If it is something that I donít want, I put the advertisement in the recycle bin.
Donít let them intimidate you into buying something that you do not need or want. They will do almost everything to get you to buy the product they are promoting. You know what you need and what you want. It only costs you a stamp to mail in and register the sweepstakes ticket. They will tell you over and over again that you are one of the lucky ones that have been chosen in you district until you buy something or the contest is over.
I called one of the companies that were promoting a sweepstakes and asked them why they had two different addresses for registering your entry, one address for those that bought something and another for those that do not buy anything. They gave a bunch of BS about efficiency and cost. I gave the individual my opinion of what I thought of his BS. No matter how you slice it they have to do the same amount of work to open those envelopes and add the entrees and place the orders.
It is a scam on all of us especially those who think they are going to win and buy something to improve their odds. You have a better chance of winning a jackpot in a casino. The odds of you winning the sweepstakes are in the range of 100,000,000 to 200,000,000 if not more. Every year you will read in the news of some poor sucker has spent a large part of their income or life saving trying to win one of these sweepstakes. I pray this will open the minds of you out there that have been hooked into the belief that a miracle will occur and you will become an instant millionaire. Please think, the next time you receive one of those sweepstakes in the mail. If you are suckered into this scam you have become a slave to the company. Do not become addicted to this scam!!!!!
After I wrote the above there was a hearing in Washington DC I wish I had taped the shows that were on TV. There are Thousands of people all over the country. They believed if they bought something, they would have a better chance of winning the sweepstakes. Some had bought many subscriptions of the same magazine. Another person had bought VCR tapes that filled every room in the house. Someone had spent well over a $100,000 on items thinking it would improve their chances of winning.
Many people have received letters from the sweepstakes organization thinking they had to go to Florida to get their winnings. When they got there they found out they had not won anything. One man flew from Hawaii thinking he had won the sweepstakes. Many of the people that are fleeced are old coots like I am. They live on a fixed income and cannot afford to spend the few dollars they have on objects they donít need.
If you have been suckered into buying items that you donít need and believe that you have been hooked, call your States Attorney General. Some of the States are filling lawsuits against those for their deceptive tactics of fleecing people all over the world.
PLEASE DO NOT PURCHASE ANY OF THE ITEMS IF YOU DONíT WANT THEM. PURCHASING SOMETHING DOES NOT HELP YOU WIN THE SWEEPSTAKES.
There are a lot of legitimate sales going on all over the country and the world. I believe that I mentioned this before. I have seen prices doubled on the old price tag. Example: The original price was $10, they add, "Was $20." The price of the item was $10 and is still $10. Another version off the same trick is they put a price on most of the items in the store and state they are on sale for 20% off. Then they advertise that everything in the store is "50% off *." Notice the asterisk! Down at the bottom of the advertisement in very small print that you have to have a microscope to read, it says "* except for items that are already on sale"... They know that the elderly cannot read the small print and they donít want them to read the small print. Donít ask me why, most of the elderly are very trusting souls and these businesses know it and they prey on the elderly.
Almost everything in the store is always on sale. When you get to the cashier they ring up the sale. If you donít look at the register and donít check the price on the receipt, you did not get any of the items that are 50% off. If you catch them, they will say, "This item is already on sale." There are 10 people behind you waiting for you to pay up and to move on. Donít let the crowd intimidate you. They are banking on you paying the price that is rung up and not telling the cashier that you donít want the item. It is your money that you are giving them. If enough of us complain and hold up the lines, just maybe the shops will not try these scams. Knowing human nature, most of us will never look at the sales slip and if they do they will be embarrassed to confront the cashier. If enough of us were more diligent in watching for these scams things might get better.
If you donít ask they will not tell. How many of you shop for the best prices? If you donít, you should. Why pay two to three times the price for a trip that you can get for much less. SHOP, SHOP AND SHOP. If you have an emergency trip and you are leaving in a few days, expect to pay through the nose. They are going to hang a heavy price on the trip. It you can, plan your trips well ahead of time, the longer the better. Try not to plan your trip during a heavily traveled period or the blackout period around the holidays. Do not forget to ask for all the specials that they are running. Call the same airline at different times. Different individuals that wait on you may know of specials that others do not know or refuse to tell you. Oh yes, call all the airlines. Donít become inpatient and take the very first price they offer. Ask about leaving at different days and different times of the day.
There are a lot of discount brokers that buy up block of ticket and get them at lower prices. Check the advertisements in the paper. If you go through the airlines they will not tell you about the brokers and will not sell you tickets at the same price as the brokers. Most of the travel agent will not give you a ticket at the same low price as the discount brokers. Some of the travel agents will give you a better price than the airlines. You will have to shop, shop, and shop.
If you are over 62, you can buy coupons that you must use up within a year or pay a fee to have the time extended. Again, shop around for the best price. The money you save is well worth the time you spend shopping for the best price.
Remember if you donít ask, they will not tell you of their specials. They are out to get the most they can out of every passenger. Good luck and keep looking for the best price. The money you save can be spent on other things that you enjoy. So, donít deprive yourself of the things that you enjoy by not doing your homework.
A major airline that services a particular city charged an outlandish fare for a short flight. Why? They were the only airline servicing the city. A smaller airline company started providing service to this city at a lower rate. The major airline in turn lowered their price below the smaller Airlineís price. The smaller airline could not afford to match the fares of the major airline. They had to discontinue the flight. As soon as the smaller airline stopped this flight, the major airline increased the fare to its original rate for the flight. When these larger corporations have a monopoly or no competition, they are legally holding us up. They may as well have held a gun to the passenger head and ask them for their wallet. They fleeced the residents that lived in this community. The passengers had no choice but to pay the ludicrous price for the flights.
Letís start off at the bottom.
There are hundreds of brands, grades, types, and sizes. Donít be cheap on tire quality. You or your love oneís life may be at stake. Again, spend some time investigating the types and grades of the tires you are going to bet your life on. After you have chosen the brand, qualities, and size that you need for your car, shop around. The prices for the identical tire will vary over a wide range. When you shop around make sure that the sticker on the tire is the same model number on the brand and quality that you want. When you are shopping for the lowest price, make sure the price includes the valve stem, balancing, mounting, disposable charge, federal, state and local taxes, tire insurance for road hazard and any other charges that they may dream up. They will try to sneak part if not all the above on your sales slip. Read the slip before you sign it. If you see something that you do not understand, question them about it. If the sales person tries to intimidate you about an item on the sales slip and it makes you uncomfortable, thank them for their time, and find another place to do business. Oh yes, be careful when you get the real nice guy. Donít let him slip something by you; they will try to get away with anything they can. Donít fall for their line of BS.
Remember the little old lady on TV who had a new roof put on her house. Her son asked her why she had a new roof installed. She said, "He was such a nice man, he helped me bring in my groceries and he just loved the cake I had baked. He told me that the roof on the house would not last through the winter."
The house had a 25-year roof put on the previous year. And, they also sold her a driveway sealer that washes off during the first rain. I bet they just climbed up on the roof and hammered on something for a couple of hour and did nothing. Think, Think, and Think. You are probably wondering what this has to do with tires. It is the nice guy that has a line of BS that rips you off. Most of us would not do business with someone that they hate. Whether it is tires or roofs there are scams everywhere. There are many reputable tire centers in this country, just make sure you are doing business with the honest ones.
Again do some shopping around. There are many shops that will inspect your brakes free. In some cases they may tell you that there is nothing wrong with your brakes. In other cases, the guy that did the inspection creates a problem that does not exist. I went to a small service center and had them inspect the brake system. They removed all of the tires and inspected all four wheels. They even let me watch the inspection. They said that there were no leaks, and I only needed pads on the front end. The disks were also OK. Then I went to a service center of a very large corporation that has stores nationwide. I just wanted to get a comparable price from what I thought was a reputable organization. They would not let me in the service area where I could watch what they did. They told me that I needed a complete brake job front and rear. They gave me a fancy inspection report and a list of parts that had to be replaced. If my memory is correct, every part that is associated with the braking system had to be replaced. I have not been back to do business with that company for anything else since that incident. Who told the service person that inspected my car to write up an inspection report saying the whole braking system had to be replaced? Did he do it on his own? Was it his supervisor? No, it came from corporate headquarters. Others beside me had the same experience. Again, SHOP AROUND AND THINK!
I thanked them for the free inspection and went back to the small shop. They replaced the front pads. They told me that I might need to have the rear brakes checked in a year or so. It has been over a year and I had them checked just recently. They still do not need to be replaced. Donít be cheap. Good brakes are very important. Donít put off having your brakes repaired. You and your familyís lives depend on your brakes working.
It is important that you have you car serviced. You donít want to be stranded on the side of the road at any time. It doesnít matter how handy you are. When you are stuck in the middle of the night, in the middle of nowhere, are you going to leave you wife or kids and try to walk 50 miles to the nearest town? I would not. You can have car problems even if you have a new car and keep it serviced. The chance of having a car problem is less likely if your car is periodically serviced.
Letís look into who you should have serviced your car. The dealer that sold you your car may not give you the best service and at the lowest price. Usually the price for the same service is higher than other service companies. Ask your friends whom they go to and ask them if they trust the Service Company. Does your friend have the same person work on his car? If he is honest and he tells you that you have a problem with your car, have it fixed. Having your car fixed when it is needed, it is very important. It is also important that you have someone that knows what they are doing and is honest. I have seen service companies and dealers letting inexperienced personnel working on cars. I can understand that service personnel need to learn the trade. But, the service companies should have an experienced person watching and training the new mechanics. When you are traveling at 65-70 MPH, your life depends on the operation of your car. Too many people on the roads put too much trust in the car. That is when the unexpected happens. Even though many accidents are not caused by the failure of the operation of the car, the object behind the steering wheel causes more accidents than the car. Drive safely and be around for a few extra years.
If you are on the road, you stop for gas, and you have someone check your car, stay around while they are checking the car. Many shams are pulled on people that are on the road away from home. When you leave the car in the hands of someone while you go to the rest room and the restaurant, this is the time the scam starts. The guy that you left your car with has had time to set up his scam. There are hundreds of things they can do to cost you hundreds or thousands of dollars. They can disconnect a wire, squirt oil around, and loosen up a bolt or two to convince you that you have a problem. This could delay your trip for days, cost you many dollars, and emotionally destroy your vacation. The chances are an unscrupulous individual will not do anything if you are looking over their shoulder while they are servicing your car. Make them think that you know what they are doing even if you donít. Just watch and keep your mouth shut. Donít give them a hint that you donít know a damn thing about servicing a car. You know that you donít know for beans what they are doing. Donít let them know that you are as stupid as I am. If you do, they have you hooked.
Learn a few simple things that do not take long for you to do yourself. Check your plugs, air filter, brake fluid level, oil level, coolant, and tire pressure. Look at your tires to see if they are worn or have irregular wear. Donít be lazy. You can do all the above in less than an hour. The only tools that you need are a spark plug wrench and gauge, air pressure gauge, and a paper towel. If you donít know how to check your car, spend a few minutes watching what the service person is doing to your car. You may learn something. This could save you a lot of trouble, money and your life.
If you have a garage, keep your car in it. Wash your can when it needs it. The body should last a long time. I knew a guy that had a beautiful car. He hardly ever drove the car. He took a bus to and from work. When he did drive the car it was for only for a short distance. The car never had time to warm up the engine and boil off the condensation that had developed in the engine. Every weekend he would back the car out of the garage, wash, and wax the car. Then he would drive it back into the garage. In about three years with this routine he noticed that the car was rusting around the bottom of the car doors. Why? With the continuous washing of the car, water had collected on the inside of the doors. The car had started rusting around all four doors and other spot around the car where water had settled. The car was rusting from the inside of the body.
With the lack of use and he never changed the oil, and rust had started to eat up the inside of the engine. This is an extreme case. Most of us will not have this problem. Just keep you car clean, change the oil and use it. You have spent the money for the car, so why not enjoy it.
If your car starts to get cancer and there are rust spots all over the car, go to the dealer and ask them why this is it happening. Just maybe it was a fault of the manufacture. They may have had a recall of your model, miracles may happen and you will get a new paint job. But donít plan on it. Check around at other body shops. Get their opinion and ask for an estimate. Again, get a number of estimates. The lowest estimate is not always the best estimate and they may not give you the best job. I have been stuck myself a couple of times with miserable paint jobs. And, I have received a few very good paint jobs.
You will see advertisements that shops will paint your car for a very low price. There is a catch to this paint job. For that price every dent and rusty area is an addition to the low price. By the time they have walked around your car the price may be three or four time that low price. If you do not have the rust spots fixed, they will be bleeding through in a short time. Check around, ask your friends, and be sure to get everything in writing before you sign on the dotted line. Again, donít be intimidated by the sales person. If they start to give you any crap, you will know at the beginning that you have a problem. Donít let them pressure you into a signing the contract for the paint job.
My point is that we all want to have a nice looking car. A car that is used over the years will get areas that need some tender love and care. If you have taken care of your car, and it is still running well, a GOOD paint job is a lot less expensive than a new car. Why spend ten to twenty thousand dollars or more for a new car. A good paint job will give you a few more years and a nice looking car. It will also get you a few more dollars when you sell it. I know it takes time to look around for the best deals. Donít be lazy, do your homework I am lazy too. The money you save is worth the effort.
It is nice to have a credit card; it gives you the freedom of buying things when you do not have the cash on hand, the conveniences of buying something over the phone, and not having to carry a large amount of money with you.
If the credit card Companies gives you a grace period and the interest rates are low, and they give you something for using their card. Thatís the company I would use. (Pay the bill before the grace period is over, it will save you a lot of money.)
Donít use a company that charges you a fee for using their card, has no grace period, has a large interest rate, and doesnít give you something back for using their card. Drop them. Find another Card Company.
Donít let your charges pile up. You will be paying a lot more for the services and for the items you purchased. By all means this is a bill that can get you into a lot of trouble. It is very easy to get deeply in debt in a very short time. It doesnít hurt when you purchase something with a credit card. When you see the bill at the end of the month and you cannot make the payment then you let it ride. That is when it starts to hurt. Whether you believe it or not the emotional pressure will bear heavily on your mind. Try your best to stop purchasing things until you have cleared the balance on your credit card. You will feel a lot better.
If you have to buy an expensive item, try to get a loan. It might save you a lot of money. Never buy a big-ticket item with your credit card. It will be a bigger ticket item than you expected. There are many people that get so deeply in debt that they can never pay off their credit card debt. You lose your credit, they will hound you, and your debt will grow.
If the company that holds your credit card is sold to another company, make sure that the terms of the new company is the same as the terms as the old company. You may be paying a higher interest rate.
I knew a young lady that would run up the charges on her credit card and declare bankruptcy. She would apply for another credit card from another company and she would get it. She did the same thing over and over again. The last I heard about her she had left the country. She is on the run from her creditors. Donít let this happen to you. I could not live my life on the run. We are all paying higher interest rates because of people like her.
Do not fall for the pitch that you will earn air-miles, free gifts, and many other things if you use a companyís credit card. First figure out just how much you have to spend to earn an air mile or other things. Then, if you want to take the chance make sure you pay off the bill during the grace period. It will take a lot of purchases on your credit card to get a free gift and many other purchases just to get a short flight. Be careful when there are fringe benefits when you use your credit card. Someone has to pay for the gift. They are out to make money. Donít give them any more of your money than you have to.
It is almost impossible to rent a car, make reservations for a flight, reservation for a hotel room, and purchase items over the phone. We canít live with them and we almost canít live without them. Just use them to your advantage, not the credit card Companyís advantage.
If you have to have a credit card, be sure that you read the fine print of the terms and conditions. They may give you a low interest rate, watch out for the penalty for late payment and all the other details they all put in fine print. They know that if they write the rules and regulation in legal terms and print it in very fine print; no one will bother to read it until they are hit with a very high penalty for some unbelievable high charge. Please read the rules and regulations. Please pay attention to the statement, make sure that every item on the statement is accounted for. If you see a questionable charge on the statement, call up the company and ask them about it. Only pay for the things that you bought. Otherwise you may be paying for charges made by someone else. Always check your credit card statement. I cannot stress it enough; you are the one that will pay for your laziness. Before you use a credit card you must read the terms and conditions or whatever they are labeled. Particularly when you take cash, use it in a foreign country, and transferring your account to another card company when you still have a balance on your present card. Donít be surprised that they will be ripping you off legally with charges that are written in the fine print.
What can I say about smoking? Even though I smoked for many years and I stopped many times. But, I returned to smoking and smoked more than I had smoked before. Fortunately my wife and I stopped in 1968.
When I was a little fellow my father smoked. He rolled his own cigarettes. He was so good at rolling his own cigarettes he won a cigarette roller in a cigarette rolling contests. In my archives there is a picture of me with a pipe in my month and a can of Prince Albert in my little hands. I could not have been over 2 years old. I think that is kind of young to start smoking. In those days people used tobacco in many forms. You chewed it, you dipped it, and you smoked tobacco of all types. I remember the old ladies sitting in a rocking chair spitting out the snuff. The men chewed plugs of tobacco and did a lot of spitting also. It fascinated the little fellows to watch all the pleasure the older folks were having. My mother made an imitation chewing tobacco. She would over cook a thin pan of cracking bread. What is crackling? She would cook pork fat until it was very crisp then add it to corn bread. She would cut the crackling bread into squares the size of plug of chewing tobacco. We pretended that we were chewing tobacco. Of course, we would swallow the bread.
When I was about 5 year old, a friend, and I were sitting on a bridge that crossed a small creek. We were eating our crackling bread and watching the fish in the stream. An old man that lived down the road from us stopped and joined us on the bridge. As the three of us sat and talked about the fish, the old fellow took a plug of chewing tobacco out of his shirt pocket and took a bite. We watched with envy. He looked like he was in heaven. He would chew, spit, chew, and spit over and over. It looked like the most wonderful thing in the world. He must have seen it in our faces and the desire that we expressed. I donít remember if we asked for a bite of the tobacco or he offered us a bite. Anyway, we both got a big bite of the tobacco. And, like little fools that we were, we swallowed the tobacco juice. It didnít take long; we were vomiting and were sick as a dog. I canít remember any other time that I chewed tobacco. Just maybe he knew that this would cure us from wanting to chew tobacco.
The cool thing for young kids was to make corncob pipes, and smoke corn silk. There were plenty of both. Most of the cool cats smoked the so-called "ready roll" cigarettes. The merchant would open a pack of cigarette and sell single cigarettes. I think the price for a single was a penny. When an adult earned only fifty cents to a dollar a day. They could not afford to pay 15-20 cents a pack.
I smoked of and on until Uncle Sam wanted me to work for him. I was not addicted to smoking at that time. I could take it or leave it. When I went into the USMC they gave me a laundry bag with a lot of goodies in it. It had a toothbrush, toothpaste, comb, brush, soap, other little items, and a carton of Pall Mall. Uncle Sam took the cost of these items out of our first paycheck. I think the salary was less than a dollar a day, $21 a month. They made it easy to be hooked on cigarettes. At 5 cents a pack, you could let a cigarette hang on your lips all day, which I did until I was 38 years old.
My loving wife and her Uncle had tried to get me stop smoking. He had smoked and had stopped. Unfortunately he stopped too late. He died of lung cancer. His death helped to save our lives; my beautiful wife continued hounding me until I stopped smoking.
A cigarette was my buddy, my friend, and it was always there when I wanted him. He would drive me crazy when I ran out of cigarettes in the evening after all the stores were closed. If there werenít any long butts in the ashtrays, he made me go out and get a pack, at any time, even in a blizzard just to buy another pack of cigarettes.
I became very ill about the same time Martin Luther King was killed. I lay in bed and watched his funeral on TV. I tried to smoke with a very sore throat. When I tried to inhale the smoke, it was like a blowtorch burning my throat. I could not smoke for three days.
The Seventh Day Adventist Church was having a five-day Smokers Clinic a few days after my throat had healed. My wife bought me a plastic cigarette pacifier to chew and puff on for two days.
Fortunately we attended the smoking clinic and stopped smoking. About five years later I was at a dinner party, a young lady across from me was smoking. I asked her if I could have a drag off her cigarette. It looked so delightful. The old memories of the smoking days returned. When I took the first drag, it was the same feeling that I had when I was sick five years before. My throat felt like I had inhaled fire. I coughed for about ten minutes before the coughing stopped. I havenít smoked since. Yet, every now and then the urge comes over me. I reach for the cigarettes in my shirt pocket. Then I remember I donít smoke anymore.
There are little bells that ring in your subconscious mind that tell you to reach for a cigarette. When you wake up in the morning, when you have you first cup of coffee, you head out the door for work, and you have to have a couple more on the way to work after some nut tries to run you off the road. You set down at your desk, you light one up, you have another one with you second cup of coffee, someone pisses you off and you reach for another one. The phone rings you light up again. The pressure of the job makes you take a few more before lunch. After lunch and before you go back to work you light up another couple. The second one is still hanging on your lips when the boss comes in all pissed off about something and you reach for another one. You stick it in your mouth without remembering that you already have one there. The boss looks at you as if you are some kind of a nut. He yells at you and tells you that you already have one in your mouth. He shakes his head and mumbles something to himself. The afternoon is hell; everyone is on your back. You reach for another one and the pack is empty. You canít wait to get to the cigarette machine. It is out of your brand. You curse and kick the machine. You decide on another brand. You reach into your pocket you donít have the right change. You kick the machine again and go back to your desk. The rest of the afternoon you are smoking the butts in the ashtray. They taste like hell. Finally you are on your way home. You stop at food mart and buy a couple of packs of cigarettes and enjoy the ride home smoke a fresh cigarette. The kids and you wife are yelling and screaming at each other over nothing. You have already made a dent in one of the packs of cigarettes. Before you hit the sack you have knocked off four or five more.
This next morning you start off another day the same as you have been doing for the last 20 years. Who said that smoking was not addictive? Was it the tobacco growers, the manufacturers, or the political leader from the tobacco growing states? They are all liars.
A little bit of advice, if you do not smoke, do not start. If you smoke, I hope you stop. If you stop, do not replace the smoking habit with another habit. It will not work. Every time you have a desire to have a cigarette, do something different. But, never do the same thing twice in a row. As an example, start a sequence of things you do every time the craving for a cigarette comes over you. Take a walk around the office, get a drink of water, take a stick of gum, take ten deep breaths, do ten deep knee bends and make it a game to see how many different things you can do. Write them all down. You can do the same thing that is on the list, but do not do them in the same sequence. Make it a game that you enjoy. The life you save will be your own. Your kids and spouse will not have to inhale the smoke or be driven out of the room. When you are in a car or a closed room your children and spouse will not have to suffer because of your addiction. For your own good, please stop.
The tobacco industry has hooked hundreds of millions of people. It is a filthy habit. Once you are addicted it will take a lot of will power to stop. The tobacco industry has pulled every sham in the books to hook the younger generations. The heads of the tobacco industry are child molesters. They have preyed on the young, as long as I can remember. Once they have the children of this generation hooked, they have many adults hooked for the rest of their life. They will probably die of some form of cancer related to their smoking or from using some other tobacco product. I think the tobacco industry executives and the members of the House and Senate that support the tobacco industry should be prosecuted for providing an additive drug to our children.
Many people have complained about the lack of knowledge about smoking. They have been told about the side effect of smoking many times. No one wants to listen. They put a deaf ear to what was written about the ills of tobacco and alcohol. Many textbooks have told us of the evils of these additive drugs more than a hundred years ago. The lobbyists have bought off the politicians for many years. That is why so many have not heard of the real dangers of using these drugs. I do not believe we should make smoking illegal. There will always be a few of us that will never stop smoking. Even narcotics should be made legal. This way we would know who is taking these drugs. We may be able to help them.
Why have I put smoking under fleecing? You think about it. It costs you a fortune and what does it do for you? Sooner or later it will kill you. Billions of dollars are spent each year on tobacco related illnesses. The losses in wages are in the billions. The medical expenses are astronomical. Whether you smoke or not you are paying for those medical bills by the increase in medical care. Would you buy your children or your grandchildren a pack of cigarettes? The legislators and the tobacco industry are encouraging them to smoke. This is just as disgraceful as providing narcotic to a child. Again, if you do not smoke, do not start, and do your best to stop smoking.
The taxes the governments is getting from the sale of tobacco products is only a fraction of the trillions of dollars that it is costing the governments and the citizens of the world for the illnesses that the tobacco products are causing.
Something for you to think about, every week approximately 10,000 people die from a smoking related illness. Will you become one of the 10,000? Many live a life of hell for month if not years before they are relieved of their misery.
Not only is it bad for you body. It can destroy you financially. Billions of dollars every year are lost because of careless smokers. Many lives and billions in property losses occur every year. It not only affects the smoker, it affects us all. If you are going to continue to smoke, PLEASE DONíT SMOKE IN BED. It may be the last cigarette that you smoke. When you are driving, donít flip a lit cigarette out the window. There have millions of fires caused by this bad habit. Put it in the ashtray. When you are finished make damn sure the butt is extinguished! Please keep this in mind for all of us.
Over the years I have read about suckers falling for the same scam over and over. The one that I canít believe is still hooking poor old souls. The scam may be pulled in many ways. Someone at the bank is stealing your money. The scam artist calls you at home or catches you leaving the bank. They tell you that they are investigating a bank employee that is withdrawing money from your account.
The person wants you to assist in catching the thief. They will have a plan that will involve you withdrawing money from your account.
There are many versions of this scam. They may see you coming out of your bank or they come to your home. They give you a line that sounds reasonable. They are very polite and very sincere. If one version fails, they will come up will a different version and they are very persistent. You are going to have to be on your toes. Never, never tell anyone about your bank account over the phone or anywhere else or agree to remove money to help catch a thief. Tell them to use their own money.
If you get a call from anyone that is anyway similar to this scam, get a pad and pencil and write down everything related to the conversation. Try to get them to tell you as much information about themselves as you can. What position they hold at the bank, their name, who they are working with, the name of the person that they are trying to catch and other things that will help the police catch the scam artist. The odds are they will not tell you a thing about themselves. Donít agree to anything that they want you to do. Tell them you have to think about it. They may tell you time is of essence. Donít give in to them and hang up if they continue. Record the conversation if you can.
When they hang up the phone call a family member, the police, FBI and if you have a family lawyer, call him. The banks and the police have ways to catch the crooks without you participating.
You may wonder why they picked you. Many of these con artists are very bright. They may be watching your neighborhood or your bank. They have pulled this scam many times and they have learned whom they can con. You may be the trusting type and believe that everyone is as honest as you are. They practice their trade constantly and they love it. Some of them get an emotional high when they pull off a scam. Literally they are addicted to pulling a scam. They have to continue pulling these scams to relieve them of their anxiety.
Do not try to out fox the crooks. Pulling this type of scam is their career. They probably have fleeced hundreds of others before they found you. Remember do not take money out of the bank for a stranger. And, read the following scam. More than likely the same con artist will try to pull the Found Money scam.
This is one that I call "Bait and Switch." Again, there are many versions of this scam and others. They are betting that you are greedy and would not turn over a large amount of money that you have found. It may involve two or more people. If a stranger comes up to you with a large amount of money and tells you that they had just found it. And, they want to share their good fortune with you, donít be a fool. Get your ass away from them as fast as you can. The pile of money is probably just a stack of paper with a large bill on the top of the stack.
They will share it with you if you put up some of your own money to show your good faith. They will have someone hold the found money and your good faith cash for some outlandish reason. How people fall for this is beyond me. Just think, if you were the type that would not return the money that you have found, would you share it with a stranger? Most likely you would not tell anyone about the money you have found. Hell no. They are looking for someone that would think they are some kind of Good Samaritan. If you are an unscrupulous individual they will hook you. You will lose your money that you put up for good faith.
Get away from these types as quick as you can. If you see a cop around, go tell the story to the cop. Believe me, almost every day someone gets swindled out of large amounts of money.
An elderly man that had a large amount of money with him approached a woman in a Kmart store. He asked this lady to help him find someone and he would give her a larger percentage of the money. Along came a younger man he said he overheard the conversation and he would help also. He offered to put up some money to show good faith that he would help find the person that the old man was looking for. The young man told the women that she should put up good faith money also.
The women agreed, she took some money out of the bank, and took off her jewelry then gave it to the old man to show good faith. The old man said that he wasnít feeling well and he asked the younger man to go into the pharmacy and have a prescription filled. The younger man went into the store and returned shortly and said that he had trouble getting the prescription filled and he asked the lady if she would try to have it filled. The lady went into the store. The clerk told her that no one had tried to have a prescription filled.
The woman went back outside and the old man and the young man had gone with her money and jewelry.
Donít be greedy, this can happen to you. No one in their right mind is going to give you a large amount of money for any reason. Would you give someone a large amount of money to find someone?
I heard this woman tell a story about herself. She was on her way to Tahiti and they had stopped in Hawaii to pick up supplies. In the early morning she would take her dog for a walk along the beach. One morning her dog found a pocket book lying on the beach. She opened the pocket book and it was stuffed with large denomination bills. She quickly closed the pocket book and hid it under her jacket. She looked around and the beach was empty. She hurried back to her boat all excited about the newfound she fortune. She bordered the boat looked around to see if anyone was following her. She went into the cabin and locked the door. She was overcome by her newfound fortune. Slowly she opened the pocketbook. With jubilation flowing through her body she dumped the contents of the pocketbook on the table. When she saw what she had found, she felt like someone had drained everything from her body. There were neatly bound stacks of fake money jammed into the pocketbook. A large number of people would do the same thing. Take the money and run.
When you are shopping around for something that you want or need and you see an item on sale for a much less than the item in a carton. Whether it is a display model or an item that has been returned. Beware; ask yourself why they are selling that item for so little. Ask the salesman why the item was being sold at that price. Check to see if all the parts that go with it are included. Check for non-working parts. Remember if it is selling for a low price, why didnít the salesman or someone else in the store buy the item?
Many times stores will get returned items. The boxes have been opened and someone found something missing or had a problem with the items. Anyway, if you decide to purchase the item, make sure all the parts are included and the item works, as it should. Also, make sure that this is not an as-is item. You may get home and find out the item will not work. Some as-is items are not returnable. You will have to be the judge if you should buy it. I have bought many open box or display items and fortunately I have been very lucky. If the item is as-is, I would do everything I could to make sure the item worked before I put down any money.
Have you lost your identity? Has someone else taken over your life? Is someone using your name? They know your birthday. They know all about your personal life. Where you were born? They know your mother and fathers names. They know your bank account number or your credit card number. They have obtained a driverís license in your name. They are using your Social Security number. They have opened a PO Box in your name. Have you noticed that there are charges for items on your checking account or credit card statement that you did not purchase? I could go on with a hundred more things. I hope you get the point.
I am going to repeat myself. If I have not told you this before forgive me. I will tell you again. Never give anyone information about your personal life over the phone or on the Internet. Never tell anyone what your motherís maiden name is or your personal family history. Even if you know the person and is a very dear friend, they may tell someone, that tells someone, etc. You will not know how far the information about yourself will go.
I will repeat myself; in this nice world we are living in there are thousands of individuals that are waiting to hook you. Taking your identity from you is just another scam among the thousands of others. Please check your statements every time you get them. Keep records of every check you write and every receipt from your credit card. Do not throw these items in the trash. You do not know who is looking into your trash. If you are discarding anything that has your account number on it, shred it before you throw it in the garbage.
Across this country and around the world there are people that want to change their identity, or use your identity to steal from you, or use your identify to cover their own tracks. There may be a 100 more reasons why they want to use your identity. Just try not to let someone take over your identity. It may take you years to recover your identity, and years of frustration and lots of money. This is not a figment of my imagination. The person that is taking your identity does not have to live in your community. They may live in another state or another country.
Three quarters of a million, if not more, are being fleeced each year by someone taking their identity. They my only forge one of your checks or take over your name, and every aspect of your life. Again I am not trying to scare you; I just want you to be careful. Good luck.
The following is an email letter that I collected from the Internet. Since it goes along with my thoughts about the waste of money from all sources and Senator Proxmire "Golden Fleece Award" I felt that I would include it in my list of Fleecing.
I did not change the contents or edit this email; it expresses my own thoughts about the Independent Prosecutors.
"Ken Starr is a traitor!! He has been interfering with the operation of the government ever since he started his foolish witch-hunts. Iíve forgotten who it was now but someone used to give out the "Golden Fleece Award" for people in politics who were fleecing the American taxpayer. This man should get The "Golden Fleece Award of the Century"!! Think about it voters once Starr and his supporters rid the government of all those "Dangerous Bogey Men," and they have nothing to do they will start with you and me!"
I have read a lot of the transcripts and depositions that were published. I often have wondered what motivates politicians and other in this world of ours to be so narrow-minded. To use the Laser idea that Representative Graham used in questioning Mr. Blumenthaul. The narrow-minded nit picking thoughts and ideas of the Republican Party, the Right Wing Extremist, and Holier Than Thou Religious Groups have used to weave a web that would entrap the President is horrendous. There are over 275 million people in this country. And, there are about the same number of thoughts and ideas about this subject. The House manager wanted us to believe that the source of the stories that were leaked to the press had come directly from the White House and the Presidentís mouth. Every day in the media you will read a story that a reporter has released which is filled with his or her thoughts. Do you remember Sgt. Friday, Just the Fact Maíam?
Mr. Starr must have thought that anyone that had a sexual affair with someone and did not want anyone to know about it would lie. I would and everyone else in this world would do the same thing, LIE.
Now they are going to prosecute the President after he leaves office for lying in his deposition relating to his conduct with Monica. What in the hell is the link between the Paula trial and Monica. Just because he had a sexual contact with Monica does not prove that he did anything with Paula.
Mr. Starr though that Linda Tripp was his life preserver when she brought the illegal tapes she had secretly recorded from a Federal Employee at the Pentagon. Mr. Starr was OIC abetting and participating in a felony? Isnít it a felony to tape a Federal Employee of the Pentagon? Especially when the person is discussing conversations about the President of the United States. What authority did OIC have to tell Linda Tripp to continue recording Monicaís conversation and to take the illegal recorded tapes to aid and entrap the President in a civil law suit that was not related to the crimes that you were investigating? Mr. Starr isnít it true that as a private attorney in 1994 you had dealings with Paula Jonesí attorneys in her then-pending lawsuit against President Clinton and you had prior involvement yourself with the Paula Jones case? While the people of this country were paying you, you were aiding your old associates in a private lawsuit. Isnít this true? How much time and money did you spend aiding your associates?
A State prosecutor charged Linda Tripp. Why didnít a federal prosecutor charge her? Who put the pressure on the state prosecutor to drop the charges?
Just think about the $50,000,000+ that they spent in the investigation of the President and his friends. They could have given every state a million dollars to spend on their school system. Or, pay the Social Security for a month for 50,000 people. This is only the money that Ken Starr's team spent. The prosecutor for Sec. Espy spent around 15 million for accepting a free admission to a ball game or something like that. This whole mess has driven me CRAZY.
Did the President lie in his deposition? Did the president have sexual intercourse with Monica?
If you were the President or Monica and put in the same circumstances, what would you have done? Just be honest with yourself. You do not have to tell anyone but yourself. God will know if you are lying.
I do not condone this type of behavior. There have been many statements made about the Presidentís conduct. There has been enough said about his conduct and I will not add to it.
If there is any forgiveness in your soul, show it by forgiving him for what he has done. He and his family have paid a very high price for his mistakes. The only ones that have gained from this are the news media. The millions that Monica will be making is a drop in the bucket compared to the billions that the news media has made and will make.
This may not be the time or place that tell you about a show that I saw on TV. But, it is a very important part of all of our lives. The show was a documentary of a couple and the birth of their son. Tears came to my eyes and I could not stop crying. I am crying while I am writing this. The miracle of life is the most beautiful thing that will ever happen to all of us. God knew what he was doing when he added sexual desires to all of his creatures. He did not screw up we screwed up. Some of us cannot control the sex drive that God gave us. This is a fault in our judgment. It isnít the most pleasant thing when our sex drive overloads our common sense. Unfortunately we are all human and so is the President.
When a majority political party can authorize unlimited funds to overthrow the duly elected President, for a consensual personal sexual encounter. They are fleecing the taxpayer.
I wonder how many of you will fit the image of the drivers that I am going to tell you about. If this changes the driving habits of one person and saves ONE LIFE, it is well worth my effort.
I have driven across this country many times. I have driven in almost all the major cities across the country. Every year the average speed of the drivers has increased without the speed limits increasing. The newer cars have improved over the years. At 70 or 80 miles an hour you feel as if you are only going 30 or 40 miles an hour. When you have to make a quick stop or come up a sharp curve then you awaken to the fact that you are traveling to fast. The comfort of the ride, and the newer braking system, lulls the driver into a feeling of complacency and security that is not there. The drivers are driving faster and closer than they should. Drivers are not allowing enough distance between the car that is in front of them and their car. One factor all drivers should remember. Your reaction time has not changed. The amount of time it takes for you to react to a situation is the same as it has always been. When you are driving, please adjust your distance between you and the driver ahead of you depending on the speed you are traveling. If you have children in the car, increase the distance between you and the car in front of you. In case of an emergency stop and you have to slam on the brakes your little ones may be thrown from the car. It is best to leave enough space between you and the driver ahead of you so that you can see what is happening on the road ahead. If the person in front of you starts to stop, you will have enough time to stop. If you are talking on a phone while you are driving, double the safe driving distance between your car and the car in front of you. I suggest that you do not talk on the phone while you are driving. Never try to dial a number while you are driving. You cannot look at the phone and the road at the same time. When you are driving you should not be distracted for one second. That second may be the last second of your life.
Since I wrote the above a number of lives and millions of dollars have been lost due to people tailgating at high speeds. In the paper there were articles about an 80-car pileup, a 77-car pileup, and a 60-car with 4 tour busses. As soon as the weather turns nasty you will see this type of thing happening across the country. If you are traveling at 70 MPH and are 2 or 3 hundred yards behind the vehicle ahead of you, you will reach your destination within 2 or 3 seconds later. Is it worth risking your life on saving those 2 or 3 seconds?
I know that there will always be someone out there that is in a hurry. They are always going to be late and rush to get to their destination. They are late for work, late for the flight, late for church, late for picking up their kids at school, late for the bridge party, and late for everything. There is a route that my wife and I travel very frequently. There is a church we pass going from home and coming back home. People of all ages and sex rushing to church have literally pushed us off the road. They weave in and out of the lanes. They tail gate and give you a dirty look when they get the chance to pass you. They speed up to make a light that is changing too red or has already changed too red. Have you ever sped up just to make a light? Will you speed up to make the light tomorrow on your way to work. I hope not. You may make it to the light, but you also may meet someone jumping the light.
Whether you are the driver that is in hurry or the one that is being pushed off of the road, tempers will flare. In my life I have had my share both ways. We all, at one time or the other will have this happen to you. Please keep your cool. If you are the one that is being pushed off of the road, pull over and let them pass you. Donít aggravate them by deliberately blocking them. If you are the one that is in a hurry, donít get bent out of shape and put yourself as well as others in danger. Again, PLEASE KEEP COOL!
Why did I consider Road Rage Fleecing? Because of the accidents that are costing us all higher premiums on our insurance, this cost is coming out of our pockets. The insurance companies are not going to take it out of their pockets. Please be careful.
Almost every morning my wife and I drive down the same street. The following are some of the thing we have observed. The speed limit of this street is 35 MPH. It is a four-lane street; I try to stay in the right lane and try not to go over the speed limit. The following are some of the things that have troubled me. These things donít just happen on this street. They happen all over the country and around the world.
I was behind an elderly man that was driving at or below the speed limit. I was not in a hurry and it was a pleasure to see someone driving within the speed limit. I passed him just to verify that he was an elderly man. I pulled back into the right lane and was driving at the speed limit. Ahead of me was a traffic light that started to change. It was already on yellow. A car zoomed past me and ran through the red light. You guessed it; it was the elderly man. Why did he run the red light? He put himself and others in danger. We all do foolish things in our life. Why do we do things like this? I donít know why. But we all do crazy thing; it also includes me. These questions will apply to all of the following and many other foolish things that we do.
Yesterday a 19-year-old boy killed a young woman and a baby. He ran a red light and slammed into the side of the car. I hope that the people that read about this accident will think twice before they try to run a red light again.
On a Sunday morning I was driving down the same street. The traffic wasnít very heavy. There were cars in both lanes behind and in front of me and they were traveling about the same speed that I was. I noticed a larger SUV behind me weaving in and out changing lanes at a high speed. I told my wife to look through her vanity mirror at the SUV coming up behind us. She had to be going 20 to 30 miles faster than we were. The SUV passed us and it was going too fast for us to see who was driving. A light ahead of us turned red and the SUV had to stop for the red light. As I came up on the SUV I looked to see who was driving it. It was a woman about 75 years old. She was all dressed up and was sitting up straight with her nose up in the air as if she was the Queen of England and with the attitude, you peasants get out of my way. Here I come. I told my wife, I wonder where she is going in such a hurry. Soon as the light changed she sped off like she was going to a fire. We watched her as she sped ahead of us. For a moment I thought I was going to lose sight of her and would not know why she was in such a hurry. I was in luck. I saw her turn left across traffic coming in the opposite direction. Thankful the cars slowed down for her. Where was she going? To church, maybe God is looking over her. I pray that God was looking over the people that she was putting in danger. If the lady that I am writing about reads this, I know God will forgive you if you are a little late for the services.
During the school year you will see Moms driving their little ones to school or to a daycare center. I know there is not enough time in the morning to do all the things that you have to do. A solution to this problem is to go to bed a little earlier and get up earlier. You will get the kids to school on time and you can relax and enjoy them as you drive along. In this town you can get from one end to the other in 20 minutes. If you get up a half-hour earlier you do not have to rush and put your kids, yourself, and others in danger.
To you Moms that are so much in a hurry that you donít have time to buckle up all the kids in the car and traveling at a high speed, SLOW DOWN. If you have to make a quick stop the little ones that are not buckled up will be thrown through the car as if they were baseballs. Think MOMS!!!
The traffic is so heavy during the morning rush hour and the number of stop lights along the way weaving in and out of the traffic will not get you to where you are going any sooner. You will be under pressure at work, which is bad enough. Relax while you can. For the 50 some odd years that I went to work I gave myself time to relax and enjoy the long trip to work. You will be surprised, if you get up earlier and take your time going to work. The aggravation you will have trying to fight your way through traffic and the anger that you generate is not worth it. Just cool it and relax.
Why does Road rage occur? Usually they are someone that is a type A personality that is always in a rush and not relaxing and not accepting the traffic and the road condition as they are. Donít let these things bother you. If you cannot learn to relax on your own, get some help. It will be money well spent and it may save your life and others also.
If you are the recipient of one of the acts of a dangerous driver, donít lose your cool. It is not worth it. I know that it is hard to control the anger that goes through your mind when someone threatens you and your love oneís life with a deadly weapon. A car is a deadly weapon. Why hasnít the lawmakers taken it seriously and clamped down on those that drive recklessly. Call, write, or email your government official and demand they take action against those that use a car as a deadly weapon.
There are a lot of other times that I have seen acts of recklessness and I am sure you have also. I think we all do not see our own faults. Every time you get in your car, promise yourself that you will not do anything that is reckless, stupid, and get angry, and keep your promise. We all are fleecing each other when we drive recklessly.
Have you ever received an offer for a free trial of a magazine? They may offer you something else to get you to check a little box that says, "Yes." You will receive an invoice for a yearís subscription before you receive the free issue and your free gift.
They want you to pay for the yearís subscription before you get a chance to see the magazine. Donít pay them for the subscription. Put it aside until you get the free issue and the gift they offered you for looking at their magazine. After you get the issue and if you donít want the magazine, write cancel on the invoice and send it back to them. If you enjoyed the magazine and want to subscribe to it, then mail in the invoice and your check for your subscription. Make a note of the date you received the first issue. Some of them will invoice you next yearís subscription 6 to 8 months before it is due. The price for the following year is usually much more than the first yearís subscription. Hold off as the year passes the price usually drops.
If you are familiar with the magazine and it is a good deal, go ahead and pay for it. But, I would wait until after I get a chance to read the magazine before paying for the yearís subscription.
They are betting on you paying for the subscription before you have a chance to see it. If pay for the subscription before you have a chance to review the magazine and you donít like it, you have been had. You are on their sucker list. Donít be surprised that you will get more of the same type of offers.
This scam is similar to the one above. A Company will send you a flyer offering you a free item to try out. You return the flyer and check the square for the free item. You receive the free item and there is more than one item in the package. There is no invoice in the package. You shrug your shoulders and say to yourself that was nice of them to send me all the extra items.
You try the items out and you find that they are junk and they are not worth anything. You have forgotten about the junk that you received. A month or so later you get an intimidating letter with an invoice telling you that they have not received payment for all the extra items that you received.
They are threatening you to pay for something that you never ordered. Mail the invoice back to them and tell them that you never ordered the items and you are not going to pay for them. Tell them the items were junk and you have thrown them in the garbage. By all means do not let them intimidate you into paying for the items you never ordered. They are betting that you will buckle in and pay for them. Please donít. If they continue to intimidate you, get in touch with the Better Business Bureau and Consumer Protection. Tell them what has happen. With hopes they can settle the problem. Good luck.
Everyone has their opinions, and they are all different. Who is right? From the most brilliant scholars to the dumbest person in the world they all think their opinion is the only one that is correct.
When all the constitutional scholars debated what was an impeachable offense and they all thought they knew the answer. If these individuals donít know what is an impeachable offense and they cannot agree amongst themselves how in hell is the average citizen going to know.
When our Senators and Representatives think their opinions are the only ones that are right. What should we think when they all vote along party lines?
The television talk shows host invites guests that have different opinions. All of the guest yell, scream, and so does the host. They never let the others express their opinion without talking over them. You watched the show in hopes that you could learn something from the show. You end up more confused at the end of the show than you were at the beginning.
What irritates me most of all is when the host thinks they know more than the quest. Usually the quests are experts in their field. It doesnít matter what is the subject the host talks over the guest, ridicules the guest opinion. The host belittles their quest and tries to bring them down to the level they are. Why do these people accept an invitations and go on these shows is beyond me?
The candidates for political offices of the same and opposing parties all have different ideas of how to run this country. They all think their ideas are the only one that should ever be considered.
Manufacturers think their products are superior to their competitorís products. Doctors are no different. This bothers me more than all the rest. The pharmaceutical industry develops a drug that is approved by the FDA and it goes on the market. One Doctor tells you the drug is a miracle drug, another will tell you that it is dangerous and my cause the patient a problem. It is like playing Russian roulette. If your Doctor prescribes the drugs to you, there is another Doctor out there saying that your Doctor is trying to kill you. Who should we believe?
How are different opinions fleecing us? They are leaving us all out in the cold. When we donít know what to do and neither do the opinionated jackasses know which way to go, this leaves us all in a quandary. When we are lead down the wrong paths in our life due to an individual lack of knowledge or lies, we are being ripped off.
There is a couple running around the country claiming that they found someoneís lost dog. They are searching the classified ads or looking for posters for lost pets. As I said before scam artists are smooth talkers. They come up with a very believable sob story and call the person that lost a pet. They usually call from another city. The pet had been injured and they have spent a larger sum of money caring for the Pet. They say that they are tourists and were visiting a friend in your hometown. When they were leaving they saw the injured pet and picked it up. They were going to take the Pet home with them, but they called their friend to tell them they had arrived at their next stop on their trip. They told their friends about the pet they had found. Their friend told them that someone had lost a pet that fit the description of the pet they had found and also gave them the pet ownerís telephone number.
They make an arrangement for the owner to wire them money to reimburse them for their expense plus money to ship the pet home. The owner wires the money and the scam artist gives the pet owner details on the shipment of the pet. When the pet owner arrives at the location where the pet was going to be delivered, his pet is not theirs. The pet owner finds out that a number of other people have had the same problem.
The pet owner has been ripped off. The scam artist more than likely stole the dog and sold it to someone else in another city. If you lose your pet and someone call you and tell you that they found your pet. Call the police in the city where the individual said they were located and give them the location where you are to wire the money. It you cannot make the trip ask them about the local Human Society. I am sure they would be happy to assist you in recovering your pet. Donít send money to someone you donít know. I know you are glad to get your pet back. Go pick up your pet yourself or hire someone that knows you and your pet to go for you.
Isnít it wonderful to wake up in the morning with your window open and a cool breeze of clean air is filling your lungs? I hope our grandchildren will be able to enjoy this feeling.
When I was young this never entered my mind. I expected this to last forever. We all know that the air we are breathing is getting more polluted every day. If you leave your windows and doors open everything in your home will be covered with dust from pollutants of all sorts.
One of the largest polluters is fossil fuel. The demand for fossil fuels over the years has increased drastically. Almost every household in the industrial countries has a least one car. In the United States the majority of the families have two or more vehicles that use gasoline. There have been efforts to replace gasoline and diesel that are used in motor vehicles with other fuels. California has been one of the leaders in this effort to reduce the pollution from the vehicles.
There are many other pollutants that we have that must be eliminated. There are thousands of chemicals and elements that are polluting our environment. Not only the air that we breathe but the water we drink, the foods we eat, and the things our children and we are exposed to. If I listed all the elements and chemicals that are affecting our environment it would double the size of this book.
The population of the world is growing extremely fast. In order for us to live on this earth we must change our habits and reverse this trend. We must do everything in our power to reduce the pollution of our earth. If we donít we will destroy every living thing on the face of the earth. Please do your part. Donít pollute!
If you have gotten this far in the book, I hope that the money you spent on the book has saved you 100 times the cost of the book. I am just writing this book out of frustration of the way this country has changed through my lifetime, or I am just awakening to what has been going on all of my life. I know there have been sleazy individuals from the beginning of time. I guess I finely have the time in my retirements to take notice to the things that are going on around me. Whether you buy, borrow, steal, or find this book in the trash I hope it saves you from being fleeced. We all are being fleeced every day. We are so accustomed to being fleeced, that we donít care or know that it is happening.
If you are interested the things that are polluting our planet, go on the Internet. Log in to www.epa.com. You can spend hours on end reading about all the things that are polluting our environment.
I just want to wake you up and make you look out for yourself. You are the best defense against scams.
A company targeted senior citizens and told them they had won one of four prizesóa "big screen" television, a "diamond" watch, claimed to be worth over $1,000, an automobile or a cash award of thousands of dollars. The company required consumers to send between $250 and $900 in "processing fees" by overnight mail in order to receive their valuable award. Many consumers received no prize. Those who did received a watch worth less than $100 and magazine order forms. Consumersómany of them elderlyówho tried to cancel or stop payment on their checks, were harassed and threatened by the Companies agents. The FTC alleged that the company misrepresented to consumers that they had won valuable prizes worth more than the amount consumers pay to "participate" in the promotion, failed to disclose the odds of receiving a particular prize and failed to disclose that no purchase is necessary to win a prize, in violation of the FTC Act and the Telemarketing Sales Rule. The complaint was filed in the U. S. District Court for the Central District of California.
Most of us want to be wealthy. Maybe not filthy rich, but have enough to maintain a comfortable life. Millions of us will never have enough money to satisfy all of our needs and desires. Some of us make comfortable salaries, but did not manage our money. We spend more than we earn. Some of us are so deeply in debt that we will never be out of debt. Once you get that deep in debt you can never get out of debt. It is like quicksand. The more you try to get out, the deeper you get. The ones that are in this condition must look for help for their predicament. Their whole life has to be turned around. Their spending habit, their style of living, and how much they work has to be changed. They should try to get extra income. They should take a second job. If they are married, they should have their wife work. They have to decide where they can cut their expenses so their income is more than their expenses. It is a very hard to do this when you are so deeply in debt.
If you gamble, you are taking a risk. Gambling is not a means for making money unless you are the house. Where did the money come from that built the casinos in Las Vegas? It came for people like you and me, not too much from me, but some. Of course we all like to play the lottery and have hopes of becoming an instant millionaire. If you have a few extra bucks that you can throw away and you enjoy the excitement, the desire, and the disappointment, then have fun but donít go overboard.
Why did I include gambling as a scam? Most of you have been in the casinos around the country and all over the word. There are lotteries in almost every state in this country. If you donít have one of the above, then I am sure you can find a bookie in your town. Almost everyone has bet on something the office pool on the World Series, basketball, football, a fight, the election, or something else. There are the poor souls among us that are addicted. They gamble every penny that they can put their hands on. They cannot stop gambling until they spend their last penny. They think that the next bet is going to be the big one. No way. They hock everything they have to gamble. I pray for these poor souls. You have a better chance of finding a buck on the streets than winning a dollar on the machines.
I have known the above for the last 60 years. It never surfaced until a few days ago. I was in a casino and a young ladies profanity drew my attention to her. She was playing two, one-dollar slots. She continued to dig into her purse. Time and time again. Until she was broke. Her hate, frustration, and desire over-rode her common sense. Later that evening I saw her playing a nickel Keno machine with the same determination she had with the dollar-slots. From the clothes she wore I know she could not afford to gamble the nickel machine much less the dollar machines. Her depression, hate, desire to win touched my soul. I could not get it out of my mind. She is not the only one that has that problem. There are millions of people out there. Whether it is in the casinos or any other form of gambling they are trying to break the odds.
I read an article in the local paper about a man from Michigan that had gambled his business away. Over a period of time he had made many trips to Las Vegas. After losing everything he returned to his home in Michigan and killed his pregnant wife, his three children and himself. This is a tragedy that I hope that will never happen again.
If you can afford the sport of gambling and can control your emotions then go ahead. The casinos, bookies, loan sharks, and the credit card companies will love you.
I have not seen or received a chain letter in years. Guess what, I just received one. In the FTC dirty dozen Chain letters are listed. I canít believe people are still trying this scam. There are many version of this scam. If you want to throw away a few dollars in hope of getting a larger sum of money and being thrown in jail, go ahead.
If my memory is still holding out they all are illegal. Please donít fall for this scam. If it is an honest chain letter and it runs like it should, half of the world would get money and the other half would get fleeced.
Someone that sends out hundreds of letters to people around the country starts most of these chain letters. I have no idea how they pick their suckers. They tell you to send money to the first name on the list. Then you are to copy the letter and leave out the name of the person that you sent money to and add your name to the bottom of the list.
They tell you of the thousands of dollars others have made how soon you will get the fortune that you are looking for. If you are lucky you may get some money back. How much you will never know. The question is whom would you send the letters to, your friends, coworkers, or strangers. Would you want your friends and coworkers to lose money or get in trouble over a possibility they may make a few dollars? You will have to decide if you want to take the chance. Throw the letter in the trash and donít take the gamble. Think before you do anything foolish.
If you have a computer you should remember, no matter where you are there are thieves trying to rip you off? Again, it you came across something that is too good to be true, be cautious. You will find scams on the Internet as you will find them anywhere else. Whether you are at your computer surfing the net or walking down the street donít do anything stupid. A scam is scam no matter where it takes place.
There are thousands of scams on the net; just as there are scams any place else. Some of the types of scams you will run across on the net, auctions, travel, hotel accommodations, merchandise of all types, pyramids scheme, access service, credit card repair, investments, work at home, flight tickets and vouchers, and many, many more.
I am not advising you not to use the net. I use it for many purchases and investments. Just research the company that you are doing business with. Good luck.
We donít want to think about this scam, but our family or someone else will.
I am sure that we all donít want to think about our departure from this world. Eventually we all will have to say goodbye. This can be one of the most expensive occasions in our life. Make the arrangements for your own funeral so that your loved ones do not have to go through this problem. You can spend as much or as little on the services as you want. You can bargain with the Funeral Service yourself. It is no different than buying a car, a home, or anything else. There are many options you can choose from. I know that you donít want to go through this. Itís the last thing you want to think about and it is. Donít put your children through this problem.
In some communities there is only one Funeral Service and you may not have any options. If you are stuck with one service, try the next town. They may be more accommodating. If not, you will be stuck with whatever they have to offer. In larger cities you may be able to bargain a little. Like all businesses they will try to sell you as much as they can get away with. Just remember donít be suckered into a plan that is well above your means. Donít feel bad about shopping for your last bed. I hope we all sleep well.
The following are some of the items that I found on the Internet. They are informative and will enlighten you of other scams that are going on.
The following was taken from the FCC web Page. I never thought that so many of us would get into these types of scams. This is a guideline for all scams! It does not have to deal with telemarketing. Remember a scam is a scam no matter how it is wrapped.
The Federal Communications Commission (FCC) is offering guidelines to help protect potential investors in wireless telecommunications services from being defrauded by unscrupulous promoters. Recently there has been a surge in the number of reported cases of fraud in emerging telecommunications services such as Paging, Specialized Mobile Radio (SMR), Wireless Cable, Interactive Video and Data Services (IVDS), Personal Communications Service (PCS) and Cellular Radio Telephone (undeserved areas).
Telecommunications is an undeniably alluring, fast-paced, multi-billion dollar industry. Combine that with brain-numbingly-complex technologies and it creates the perfect environment for scam artists. The problem for the potential investor is differentiating opportunity from opportunism.
Separating truth from fiction in these sophisticated scams is not easy. However, the experience gained by the FTC and other agencies prosecuting these types of scams suggests some common warning signs that should alert you that the investment proposal might not be legitimate.
Common Warning Signs
If the first contact with the telemarketer is an unsolicited call from a salesperson that you do not know - be skeptical! Another favorite tactic for luring investors is via television or radio infomercials. Donít trust a stranger!
Scam artists are clever liars. If the sales representative promises high profits with little or no risk, hang up the phone!
Beware of promoters who say that it is urgent to invest now. Swindlers do not want you to have time to think things over. Some may even pressure you to promptly send your money by courier or wireless transfer. When they say "rush," you say "whoa!"
Many scam artists claim that their investments have been approved for use in Investment Retirement Accounts. There is no formal, government approval process for certifying the appropriateness of funds for IRA status. Donít believe them.
The best protection against being scammed is skepticism. Investigate thoroughly any representations from sales persons BEFORE sending any money because, if duped, you are unlikely to recover any of it. Make sure you fully understand the telemarketersí answers to your questions. Continually ask yourself whether their answers are reasonable. At the end of this pamphlet we have provided a list of contacts to assist you to check the telemarketersí answers independently.
A venture which seeks to obtain immediate, short-term profits from ownership of a FCC licensed or authorized service is a high-risk enterprise. Investors can and do lose money. In evaluating your risk tolerance, you should consider whether you could afford to lose your entire investment. If it sounds too good to be true, it probably is.
Do not rely solely on the representations of the salesperson. Obtain advice from someone you know: friends and family, an attorney, an accountant, an investment advisor, appropriate industry trade groups, the Better Business Bureau, your state commission on corporations, your state attorney general or other business professionals. Be suspicious of representations that the investment is not subject to registration with or regulated by such federal agencies as the SEC or the FTC. If the answers donít check outódo not invest.
Fraudulent telemarketers often take most of the money they solicit from consumers as commissions, promotions, management and other administrative costs. A shockingly small amount of your investment actually goes into your ownership interest.
If the license is subject to an auction, be sure that: The auction is scheduled by the FCC; The telecommunications service in which you are interested is included in that auction; You know how your investment will be maintained pending the auction; Your venture is a "Qualified Bidder" in the auction; If the venture wins a license, there will be funds and expertise available to the venture to construct and operate the system; If the venture does not win a license, you know how much, if any, of your investment will be returned.
Be skeptical of any representation that the venture will quickly sell the license or authorization to another company for a huge profit. Sales of systems typically involve a long and complex process. The FCC has regulations that prohibit some services from being sold until the system has been constructed and is operating.
Construction of advance telecommunications systems may cost tens of thousands or even millions of dollars beyond your initial investment. Know exactly where that money is coming from. Ultimately, the responsibility to construct and operate the system falls on you the licensee. Some licenses are subject to construction deadlines; the failure to comply with these deadlines may result in the automatic cancellation of your license.
The burden is entirely on the investor to investigate the technology, the potential of these licenses to produce revenues, and the condition of the marketplace. License holders are responsible for being familiar with Federal Communications Commission rules and regulations.
The Commission does not approve any individual investment proposal, nor does it provide a warranty with respect to any authorization. Receiving an authorization for a license from the FCC is not a guarantee of success in the marketplace.
If you have questions about FCC auctions, call the FCCís Auction Hotline: (800) 322-1117. For more information on a particular type of FCC license, call the FCC National Call Center, 1-888-225-5322.
Information about telemarketing investment is available from the Federal Trade Commission at (202) 326-2222, or from the Securities and Exchange Commission: (202) 942-7040. Additional information on wireless telecommunications can be found on the Federal Communications Commission World Wide Web page: http://www.fcc.gov/wtb/.
An index of available FTC publications dealing with telecommunications investment fraud can be found at www.ftc.gov/bcp/coline/pubs/invest/htm
Enforcement and Consumer Information Division
Wireless Telecommunications Bureau
Federal Communications Commission
2025 M St. N.W.
Washington, D.C. 20554
(The following is from the Internet; I have no idea who wrote it.)
Wisconsin Senator William Proxmire issued a Golden Fleece Award every month between March 1975 and December 1988. In his own words, the award singled out a "wasteful, ridiculous or ironic use of the taxpayersí money." Through the Golden Fleece Award, Senator Proxmire fought for American taxpayers by focusing public attention on budgetary waste in every department of government. A number of the programs or projects he targeted were curtailed, modified, or canceled, helping to save American taxpayers millions of dollars.
The dubious distinction of a Golden Fleece Award was not awarded to just any example of government waste in the federal budget. Instead, it was awarded to federal programs that most Americans would agree were outrageous and wasteful. For example, although Senator Proxmire believed that the MX Missile was a waste of money, he never gave a Golden Fleece Award to that program.
More importantly, projects receiving the Golden Fleece Awards did not necessarily have high costs, but rather violated a principle of responsible government spending. Some examples include a $27,000 study to determine why inmates want to escape from prison, and a $792 designer doormat. Senator Proxmire stated in the Atlanta Journal and Constitution in 1985, "My own favorite was the study to find out whether sunfish that drink tequila are more aggressive than sunfish that drink gin,"
Lastly, to receive a Golden Fleece Award, an example of government waste must never have received national press coverage.
Proxmire was inspired to create the Golden Fleece Award in early 1975 as a way to galvanize public opinion against wasteful spending. In March 1975, the Senator gave his first Golden Fleece Award to the National Science Foundation for conducting an $84,000 study about why people fall in love. After that, the Golden Fleece Award became a regular news feature and favorite with the public.
"The purpose of the award was to dramatize wasteful and extravagant spending to try to discourage it. Highlighting specific, single wasteful expenditures is more effective than simply complaining in a general way about government waste," Senator Proxmire told The Wall Street Journal in 1988.
Over the years, almost every federal agency has received a Golden Fleece Award. Some of the more memorable Golden Fleece recipients include:
The Economic Development Administration of the Commerce Department for spending $20,000 in 1981 to construct an 800-foot limestone replica of the Great Wall of China in Bedford, Indiana. The National Endowment for the Humanities for a $25,000 grant in 1977 to study why people cheat, lie and act rudely on local Virginia tennis courts. The Office of Education for spending $219,592 in 1978 to develop a curriculum to teach college students how to watch television. The Department of the Army for spending $6,000 in 1981 to prepare a 17-page document that told the federal government how to buy a bottle of Worcestershire sauce.
The Health Care Financing Administration for spending $45 million in 1983 by allowing Medicare to foot the bill for cutting toenails.
The Environmental Protection Agency for spending an extra $1 million to $1.2 million in 1980 to preserve a Trenton, NJ sewer as an historical monument.
First brought to Congress in a special election in 1957, Senator William Proxmire, a Democrat, served 32 years for over five terms in the U.S. Senate until he retired in 1989. During that time, he chaired the Senate Banking, Housing and Urban Affairs Committee, and Joint Economic Committee, and was a subcommittee Chairman on the Senate Appropriations Committee.
Senator Proxmire lives in Washington, D.C. In early 1998, it was announced that the Senator had Alzheimerís disease.
The Senator was well known for his high standards of integrity, dedication, and frugality. After a ritual morning exercise of 100 push-ups and a four-mile run, the Senator brought his extraordinary energy to his work in Congress. Present for more than 10,000 roll call votes during the course of 22 and a half years, he still holds the record for the most consecutive votes in the history of the U.S. Senate. In his last two Senate campaigns of 1976 and 1982, Senator Proxmire refused to take any campaign contributions, whatever their form, and spent less than $200 out of his own pocket on each of the campaigns.
In a November 1995 speech, Senator Christopher Dodd commemorated Senator Proxmireís career and 80th birthday:
"Senator Proxmire is perhaps best remembered for his fanatical devotion to saving taxpayer dollars. He refused to travel abroad at government expense, and he returned $1 million to the Treasury over 6 years by cutting back on staff expenses. This commitment to personal thrift gave him the credibility to stand up to the waste of taxpayer money elsewhere in the government... . Golden Fleece not only makes its point about the potential dangers of ill-managed and ill-conceived government programs, but reminds us of the humor and character of this noble public servant."
Why canít we have more of our Senators and Representatives like Senators Proxmire??????
Every day millions of people around the world are being fleeced. Their hard-earned money is being taken away from them. Billions of dollars each day are taken away from gullible, trusting and those of us that want to get rich quick. With trillions of people on this earth that want to get rich quick are the ones that are going to get hooked by a scam artist. Please, believe me save your money and do not get dragged into the thousands of scams that are across the world. There are no boarders for a con artist. He may be the next person that you come into contact with, at your front door, through the mail, over the phone, on the bus, in the shopping center, and everywhere you may go. Be alert, they are everywhere.
On the web site of the Federal Trade Commission (www.ftc.gov) you can find the many scams that are going on now and or have been going for a long time. I will list a few that most of you may come into contact with. For more information, go to their web site. If you do not have a computer or donít know someone that can help you visit their web site, write them a letter. Other sources for this type of information call your local Consumer Protect or Better Business Bureau.
12 Scams Most Likely to Arrive Via Bulk Email
Email boxes are filling up with more offers for business opportunities than any other kind of unsolicited commercial email. Thatís a problem, according to the Federal Trade Commission, because many of these offers are scams.
In response to requests from consumers, the FTC asked email users to forward their unsolicited commercial email to the agency for an inside look at the bulk email business. FTC staff found that more often than not, bulk email offers appeared to be fraudulent, and if pursued, could have ripped-off unsuspecting consumers to the tune of billions of dollars.
The FTC has identified the 12 scams that are most likely to arrive in consumersí email boxes.
1. Business opportunities
These business opportunities make it sound easy to start a business that will bring lots of income without much work or cash outlay. The solicitations trumpet unbelievable earnings claims of $140 a day, $1,000 a day, or more, and claim that the business doesnít involve selling, meetings, or personal contact with others, or that someone else will do all the work. Many business opportunity solicitations claim to offer a way to make money in an Internet-related business. Short on details but long on promises, these messages usually offer a telephone number to call for more information. In many cases, youíll be told to leave your name and telephone number so that a salesperson can call you back with the sales pitch.
The scam: Many of these are illegal pyramid schemes masquerading as legitimate opportunities to earn money.
2. Bulk email
Bulk email solicitations offer to sell you lists of email addresses, by the millions, to which you can send your own bulk solicitations. Some offer software that automates the sending of email messages to thousands or millions of recipients. Others offer the service of sending bulk email solicitations on your behalf. Some of these offers say, or imply, that you can make a lot of money using this marketing method.
The problem: Sending bulk email violates the terms of service of most Internet service providers (ISP). If you use one of the automated email programs, your ISP may shut you down. In addition, inserting a false return address into your solicitations, as some of the automated programs allow you to do, may land you in legal hot water with the owner of the addressís domain name. Several states have laws regulating the sending of unsolicited commercial email, which you may unwittingly violate by sending bulk email. Few legitimate businesses, if any, engage in bulk email marketing for fear of offending potential customers.
3. Chain letters
Youíre asked to send a small amount of money ($5 to $20) to each of four or five names on a list, replace one of the names on the list with your own, and then forward the revised message via bulk email. The letter may claim that the scheme is legal or that itís been reviewed by a lawyer, or it may refer to sections of U.S. law that legitimize the scheme. Donít believe it.
The scam: Chain lettersótraditional or high-techóare almost always illegal, and nearly all of the people who participate in them lose their money. The fact that a "product" such as a report on how to make money fast, a mailing list, or a recipe may be changing hands in the transaction does not change the legality of these schemes.
4. Work-at-home schemes
Envelope-stuffing solicitations promise steady income for minimal laborófor example, youíll earn $2 each time you fold a brochure and seal it in an envelope. Craft assembly work schemes often require an investment of hundreds of dollars in equipment or supplies, and many hours of your time producing goods for a company that has promised to buy them.
The scam: Youíll pay a small fee to get started in the envelope-stuffing business. Then, youíll learn that the email sender never had real employment to offer. Instead, youíll get instructions on how to send the same envelope-stuffing ad in your own bulk emailing. If you earn any money, it will be from others who fall for the scheme youíre perpetuating. And after spending the money and putting in the time on the craft assembly work, you are likely to find promoters who refuse to pay you, claiming that your work isnít up to their "quality standards."
5. Health and diet scams
Pills that let you lose weight without exercising or changing your diet, herbal formulas that liquefy your fat cells so that they are absorbed by your body, and cures for impotence and hair loss are among the scams flooding email boxes.
The scam: These gimmicks donít work. The fact is that successful weight loss requires a reduction in calories and an increase in physical activity. Beware of case histories from "cured" consumers claiming amazing results; testimonials from "famous" medical experts youíve never heard of; claims that the product is available from only one source or for a limited time; and ads that use phrases like "scientific breakthrough," "miraculous cure," "exclusive product," "secret formula," and "ancient ingredient."
6. Effortless income
The trendiest get-rich-quick schemes offer unlimited profits exchanging money on world currency markets; newsletters describing a variety of easy-money opportunities; the perfect sales letter, and the secret to making $4,000 in one day.
The scam: If these systems worked, wouldnít everyone be using them? The thought of easy money may be appealing, but success generally requires hard work.
7. Free goods
Some email messages offer valuable goodsófor example, computers, other electronic items, and long-distance phone cardsófor free. You are asked to pay a fee to join a club, and then told that to earn the offered goods; you have to bring in a certain number of participants. Youíre paying for the right to earn income by recruiting other participants, but your payoff is in goods, not money.
The scam: Most of these messages are covering up pyramid schemes, operations that inevitably collapse. Almost all of the payoffs go to the promoters and little or none to consumers who pay to participate.
8. Investment opportunities
Investment schemes promise outrageously high rates of return with no risk. One version seeks investors to help form an offshore bank. Others are vague about the nature of the investment, stressing the rates of return. Many are Ponzi schemes, in which early investors are paid off with money contributed by later investors. This makes the early investors believe that the system actually works, and encourages them to invest even more.
Promoters of fraudulent investments often operate a particular scam for a short time, quickly spend the money they take in, and then close down before they can be detected. Often, they reopen under another name, selling another investment scam. In their sales pitch, theyíll say that they have high-level financial connections; that theyíre privy to inside information; that theyíll guarantee the investment, or that theyíll buy back the investment after a certain time. To close the deal, they often serve up phony statistics, misrepresent the significance of a current event, or stress the unique quality of their offeringóanything to deter you from verifying their story.
The scam: Ponzi schemes eventually collapse because there isnít enough money coming in to continue simulating earnings. Other schemes are a good investment for the promoters, but not for the participants.
9.Cable descrambler kits
For a small sum of money, you can buy a kit to assemble a cable descrambler that supposedly allows you to receive cable television transmissions without paying any subscription fee.
The scam: The device that you build probably wonít work. Most of the cable TV systems in the U.S. use technology that these devices canít crack. Whatís more, even if it worked, stealing service from a cable television company is illegal.
10. Guaranteed loans or credit, on easy terms
Some email messages offer home-equity loans that donít require equity in your home, as well as solicitations for guaranteed, unsecured credit cards, regardless of your credit history. Usually, these are said to be offered by offshore banks. Sometimes they are combined with pyramid schemes, which offer you an opportunity to make money by attracting new participants to the scheme.
The scams: The home equity loans turn out to be useless lists of lenders who will turn you down if you donít meet their qualifications. The promised credit cards never come through, and the pyramid moneymaking schemes always collapse.
11. Credit repair
Credit repair scams offer to erase accurate negative information from your credit file so you can qualify for a credit card, auto loan, home mortgage, or a job.
The scam: The scam artists who promote these services canít deliver. Only time, a deliberate effort, and a personal debt repayment plan will improve your credit. The companies that advertise credit repair services appeal to consumers with poor credit histories. Not only canít they provide you with a clean credit record, but they also may be encouraging you to violate federal law. If you follow their advice by lying on a loan or credit application, misrepresenting your Social Security number, or getting an Employer Identification Number from the Internal Revenue Service under false pretenses, you will be committing fraud.
12. Vacation prize promotions
You receive an electronic certificate congratulating you. You have won a fabulous vacation for a very attractive price is one among the many scams arriving in your email. Some say you have been "specially selected" for this opportunity.
The scam: Most unsolicited commercial email goes to thousands or millions of recipients at a time. Often, the cruise ship youíre booked on may look more like a tugboat. The hotel accommodations likely are shabby, and you may be required to pay more for an upgrade. Scheduling the vacation at the time you want it also may require an additional fee.
Law Enforcers Target "Top 10" Online Scams;
Internet Auction Fraud
Internet Service Provider Scams
Internet Web Site Design/Promotions - Web Cramming
Internet Information and Adult Services - Credit Card Cramming
Multi-level Marketing/Pyramid Scams
Business Opportunities and Work-At-Home Scams
Investment Schemes and Get-Rich-Quick Scams
Telephone/Pay-Per-Call Solicitation Frauds (including modem dialers and videotext)
Health Care Frauds
I have written about some of the above. I am trying to finish the book. Every day that passes new scams pop up. Be careful.
Ftc.gov--------------------------------Federal Trade Commission
Fraud.com----------------------------National Fraud information canter
Bbb.com------------------------------Better Business Bureau
Sec.com-------------------------------U.S. Securities and Exchange Commission
easysaver.gov/cc/ccphony.htm-----Bureau of the Public Debt online
fraudbureau.com---------------------Fraud Bureau Investor Scam
There are many web sites that list scams. If I listed all of them I would never finish. I have told you about the ones that I think you may come across and I hope that you never get hooked.
I hope you have enjoyed reading "My Two Cents" and it will give you a little insight on what is going on in this world of ours. Again I hope I didnít offend anyone or step on their toes. Good Luck and God Bless everyone on this planet we call earth.
Book By Willy
Written and Published
William W. Wynne
Copyright © 2001
Written and Published
William W. Wynne
Copyright © 2001
Books By Willy
Sally and Peg