How To Avoid Fraud, Deceit & Scams!

The world is full of people who feel they can take advantage of others to obtain their goals in life. Fraud, Deceit & Scams happen in the real world every day. Just tune into your local news to hear about them. But, Fraud, Deceit & Scams also happen in the virtual world as well. And, unfortunately they often hit those who can lease afford the losses. Online we are always inundated with "get rich quick schemes" and their claims of "overnight success". If you're like me you find this kind of s.p.a.m clogging up your email box on a daily bases. They tell us how easy it is. How we can just sit back and relax, do nothing all day long and still make a roll full of money. Hell, we might as well go golfing because we'll be making money hand over fist while on the golf course. :-| Now while sitting back and watching the money roll in would definitely be nice, reality is, rarely does any get rich quick scheme ever work. The promises of millions never pan out no matter how hard you try. The problem here is that so many people want and need to make more money. And they want to make that money as quickly as they can. So they believe, or hope that what the scammer is telling them will be true. But understand this, even the greatest, largest companies in the world took time and work to build. Martha Stewart for example will tell you that she started her business in the basement of her house. And look where that business is today. A multi billion dollar a year corporation. While we all can't be Martha Stewart or Donald Trump or Hugh Heffner we can have our own successful home based business if we just stay away from the scams. So, how do we spot the scams? Well, if you are serious about operating your own home based business there are things you can watch out for. Sort of the red flags of the business opportunity world. Let's have a look at some now. - Charging you for information about their business opportunity. It's pretty plain and simple. A so called business opportunity tells you all you have to do is go to your mail box pick up the checks and cash them, but first you must send them a check to get the information on how this is done. I'm of the thinking that your check is going to be the only check getting cashed here. This type of ad appears all over the internet. But if their business opportunity is so good why must you pay to find out what it is. Would it not make more sense to give you that information for free so they could get you interested in their product. I would think so! And unfortunately many people get scammed into sending these frauds the money they ask for. Then if they receive the information they paid for they will often find it pretty much useless and often they are require to send more money for more information. Stay away from these types of ads, they will not get you a successful home based business! - They want to charge you a fee to sell their products. O.K., I've got to ask - What's up with that?! If their product is so great won't you be selling them like crazy? Won't you be making money for not only yourself but for the company as well? Don't pay to sell someone else's products. - They offer you free products. Ever see these ads where you are entitled to a free (what ever) only to discover you'll need to purchase something first. ie: Sign up today and get (what ever) for FREE! Of course what they don't tell you is you'll have to purchase a sample package first in order to get the freebie. - Fly by nights Fly by night companies that pop up and take peoples money operate both offline and online. Very often they disappear without warning. So to keep yourself safe from these frauds ask yourself the following questions. Is this an established company? How long have they been in business? Do they have an actual street address or only a P.O. Box? Or worse, no address and no way to contact them at all? Do they use only an auto responder or do they have an email where you can get in touch with a real person? I know that all these points seem like common sense. But why then, do so many people ignore them. That is why these scammers can exist. As explained in my book "eBay Marketing Wholesale SourcePak" when looking for your perfect home based business it is important to look for a company that only gives you the straight goods. No promises of exorbitant amounts of money falling from the sky into your lap without you doing a thing to make it happen. And, they should not be charging you for any information on their business opportunity it should be laid out for you. Use your own common sense, if something looks to good to be true, then it probably is to good to be true.

How do I get him or her to talk to me?!!!!

This is a common concern in our society for single people of any age; how to make contact with someone that we like on a soft matter without being forward. The truth of the matter is that we have the opportunity to meet that special person everyday; at the bus station, at the grocery store, at church, at a class, at the gym, at the coffee shop, at the library. 1. Eye contact There has to be a little game of eye contact. He looks at you. You look at him. You look away. You look again. He looks at you again. You smile. He smiles back. And so on... And Men, you keep your eyes on her until she looks back.... and maybe, smiles. Then, approach her and introduce conversation. The easiest way is to say :" Hi! My name is _______. What is yours?" And say something nice about her. Something about her hair, something about the color that she is wearing, or the make up. Whatever you find nice and feminine about her appearance. Later on, VERY IMPORTANT, say something nice about HER personality. Not on a physical level, but on a mental level. Is she intelligent? Did you notice that she is sweet? Did you notice that she how strong her values are? Do like that? Well then, go ahead and say it. The impact is worth the effort 2. Smile. It's the simplest way to have eye contact softly. Not many people do this and this transforms that way we are perceived. I saw once on TV. a report on some kind of monkey in the African jungle; two males were fighting to get a female and to stop the fight, one had to show his teeth to the other one. For us human, smiling can have an emotional impact that could lead to dramatic effects on our lives. Exercise: Smile to at least 5 strangers everyday, even if the person is not attractive to you. Be careful not to look as if you were "simple of mind". Just like a glance, a brief smile by looking in the eye and let go. Try to get the habit, you will be surprise of the impact that you will have on other. Smiling is inviting and soon enough, it will become a reflex that could let you go far. I know one co-worker got a promotion because the upper management tought he was a candidate with the skills to do the job but also because he seemed like someone with whom it is easy to get along with. 3. Introduce conversation. The easiest way to introduce a conversation is to ask a question. Then, follow it with a short amusing story about the situation. For example, if you are at the grocery store and you see that cute girl near the peas section, excuse yourself and ask her what she would recommend. After she has answered, follow by a joke you have seen on TV or something that happened to you about peas when you were younger. Laughing or make a person laugh is a quality that you have to develop. One important thing; don't think of the rejection; it will paralyze you. If they decline, say to yourself that there must be a good reason - they are already in a relationship or not ready to get involved yet, etc..- Move on to the next one. Very important. Don't let one or two declines prevent you from meeting that special person. If you don't take charge of your love life, who will? 4. Then you can pass on to the next step: You give your phone number or ask for it. Simply. That is the lowest pressure invitation because it leaves the decision to the other person to call you. Or not. That way, no one is getting hurt. You can meet tons of people that way and be a "hot commodity". The more you will have dates, chances are that you will feel better about yourself and you will become more attractive to the eyes of the others. Say something like " You seem like a fun person and I would like to see you again for coffee. I don't have much time right now so I am leaving you my phone number and call me next week and we will arrange for meeting. It was nice meeting you" You can invite that person early in the conversation and let that person decide if they will call you. No pressure for anyone. Imagine if you do that to 3 people per week, chances are that you will have a busy dating life. You will make all of your unhappy married friends envious. Those are just basic instructions to meet people. However, be creative. Try new method. At worst, somebody will say "no". At best, you may meet the person of your dreams... Isn't it worth the effort?

Buy Cell Phones, Best Mobile Phone

Discover The Best Way To Buy Cell Phones. Here Are Tips On Where To Look For The Best Mobile Phone For You. You might think it’s easy to shop for the best mobile phone out there. Before waltzing into any cell phone shop at random, there are a few things you might want to know when you buy cell phones. Right from the start, you need to know that there are so many mobile phones out there. Some of them will be feature-rich, others stylish, and sometimes these cell phones are just plain ol’ practical. What you should look out for is a cell phone that has a good blend of design, features and performance. If you’re shopping or buying a cell phone from the store, don’t just take the sales person’s word that the ones they are selling is the best mobile phone. Have a look at the models on display and check them out for features and functions that might be important to you. If they have a working model for you to test, that’s even better. In reality, the best way to buy cell phones is to go online and do some research to see what you like. On the Internet, you’ll get nice choices of the latest cell phones as well as some previous models. When it comes to choices, the best option is to head to a cell phone site. There you can really run through some of the best mobile phones in the market before deciding what you want to buy. I’d really recommend going online to browse for the best mobile phones not just because its selection, but also because you can get some great deals when shopping online. Whether it’s a new cell phone or something used, you’ll be able to buy some really good stuff at cheap prices if you take the time to scout around. So if you’re serious about getting a mobile phone, get online because there’s no better place to buy cell phones.

3 Alternatives For Investing For Your Child’s Higher Education Costs

With higher education tuition increasing at double digit year over year percentages an effective saving plan for your kid’s education is becoming much more important than it has been before. Most families will discover that their future higher education costs will be much more than they have saved for their kid’s education. This leaves many kids to be faced with obtaining financial aid to pay for a portion of their college education. The goal of this article is to explore the pros and cons of 4 common investment options when saving for college. This article will also explore why some of these options are better than other when considering a portion of your kid’s education may be funded by financial aid.

529 College Savings Plan: - A 529 college savings plan is a fairly new investment option for college saving. It allows just about anyone to save for college. There is a long list of benefits of a 529 college savings plan, but perhaps the most important is that your earnings grow tax free if you use it for qualified education expenses. Additionally, the maximum amount you can contribute to a 529 plan can go as high as several hundred thousand dollars depending on your State. In the event you do not use the funds for college, you can still withdrawal your earnings, but you will have to pay taxes and a 10% penalty. The penalty will be waived if your child receives a scholarship, or your child becomes disable or dies.

529 plans can typically be purchased through a broker or mutual fund company, but a disadvantage is that investment choices can sometimes be limited. Since qualifying for financial aid is based on a calculation that considers your kids assets, another big benefit of a 529 college savings plan is that the money in the plan is classified as a parents assets so less that 6% of the value counts against your kid’s financial aid eligibility.

Uniform Gifts to Minors Act/Uniform Transfers to Minors Act

(UGMA/UTA Custodial Account): - The benefit of a UMGA/UTA Custodial Account is that there is no limit on the contribution and it is easy to set up at most financial institutions. However, the limitations far outweigh the benefits. The first limitation of a UMGA/UTA Custodial Account is that these types of accounts offer very little tax advantage. If your child is under 14, only the first $800 of income is tax free, the next $800 is taxed at your child’s tax rate and after that there is no tax benefit at all. The other big limitation is that the account has to be set up in your child’s name. As a result, if your child needs financial aid all of the assets will be reviewed at a 35% rate. Therefore, this type of account is not advisable for those who may need financial aid.

Coverdell Education Savings Account (CESA): - A Coverdell Education Savings Account is very similar to a 529 college savings plan. The main difference is that with a Coverdell Education Savings Account you can only contribute $2000 per child and to qualify your adjusted gross income must be less than $110,000 if single and less than $220,000 if married filing jointly. The account is classified as a parent’s asset so less that 6% of the value counts against your kid’s financial aid eligibility.

In the end, parents should consider planning for college to be a highly important process. The above 3 alternatives can make this process much more easy and financially sound.

Best Cookies: Oatmeal Crispies

These crisp, light, crunchy cookies are perfect with a cup of coffee or tea.

Oatmeal Crispies

1 cup firmly packed brown sugar
½ cup butter, softened
½ cup shortening
2 eggs
1 teaspoon vanilla
2 cups uncooked quick-cooking oats
1 ½ cup all-purpose flour
1 teaspoon baking soda
¼ teaspoon salt

Directions

Combine brown sugar, butter and shortening in large bowl. Beat at medium speed, scraping bowl often, until creamy. Add eggs and vanilla; continue beating until well mixed. Reduced speed to low; add oats, flour, baking soda and salt. Beat, scraping bowl often, until well mixed.

Divide dough in half. Shape each half into 6-inch log. Wrap each in plastic food wrap. Refrigerate until firm (2 to 3 hours).

Heat oven to 350 degrees.

Cut logs into ¼ -inch slices with sharp knife. Place slices 1-inch apart onto ungreased cookie sheets. Bake for 12 to 15 minutes or until lightly browned. Let stand 1 to 2 minutes; remove from cookie sheets.

5 Of The Best Remote Control Toys for Kids for Christmas

1. Bratz Tokyo A Go Go - Remote controlled Car 27MHz
This car is a wonderful littte r/c from Bratz that is a huge hit with the girls. They love having their own remote controlled car to play with! You can use the remote to move the car forward and back and spin it around race with the other girls and more! The car will fit two Bratz Dolls, so the fun goes with you! This Tokyo A Go Go car is a great accessory for the series of Other Bratz Dolls etc.. that are designed to play with it. Girls will be groovin! Also Available in 49 MHz.

2.Tyco Radio Controlled Terrain Twister
Young and old are raving about this fantastic radio controlled vehicle made by Tyco. It takes on all types of terrain even mud, water, grass and twigs! It is a tough and easy to maintain vehicle and can stand up to rough play.

3.Cadillac Escalade R/C 1:6 scale -27 MHz
New Bright industries has developed this 1:6 scale
great looking Cadillac Escalade. It is a great car for its value and comes complete with spinning rims and an Awesome Exterior. This car can operate up to 100 feet and has 3 speed controls. Al;so Available in 49 MHz.

4. Hover Copter Wireless Flying Saucer
The kids will love this incredible Hover Copter. It is able to both Hover and Fly while being controlled by its remote. Loads of fun from ground to sky!

5.Nikko 1:10 Ferrai F1 R/C kit.
This R/C vehicle New from Nikko requires some assembly, as it comes partially assembled. It allows the feeling of avccomplishment in the process of finishing the project then the Joy of driving at top speed. With its smooth turning and anti skid features it is sure to be

Been in an Accident? Need a Maryland Accident Lawyer?

Life can change in a blink of an eye. You've been in an accident and now need a personal injury lawyer. But how do you know when to call one? Here's what you should know about hiring a lawyer in Maryland, if you've been in an automobile, motorcycle or liability accident.

Choosing a Maryland accident lawyer is an important decision and with so many personal injury lawyers advertising their services, it can often seem an impossible task. Before you consider hiring an attorney after an accident, you should understand a little about personal injury law. Personal injury law is usually defined as the area of law which seeks to protect the rights of citizens after they have been injured, harmed or hurt due to the negligence of others. In order to claim damages, you must first prove that the other party was at fault. This is where your Maryland accident lawyer will come in.

In the State of Maryland, there are two types of awards for injuries: Negligence, which is often defined by the defendant's inability to prevent an accident from occurring by not preventing it. For example, you own a small business, and there is an ice storm. Your lease requires you to deice the sidewalk before opening the shop, but you fail to do so. A customer, slips and falls outside of the shop and is injured. You could be sued for negligence by the customer, for failing to act, which led to the accident. Likewise, there is intentional wrong, which is often defined by the defendant outright causing the accident.

There are many types of personal injury claims: Slip and fall injury, automobile accident, medical malpractice and job related injury are just a few types of claims.

Choosing a lawyer for any type of accident claim is an important and difficult decision and is one that should not be made lightly.