Archive for August, 2010

August 28th, 2010

To All My Readers!

Hi Everyone,

I want you all to know how much I appreciate all the positive comments I am getting on my material. I am so happy that I have been able to help so many people. Thank you so much.

Owner/Author: Pama Lyons

August 28th, 2010

Having Theme looked at

Hi,

Some of my readers are having problems with my theme. I’m having it looked at and hopefully it will be fixed soon. I’m sorry for the inconvenience.

Pama

August 27th, 2010

ATTORNEY’S ADVICE – NO CHARGE

A friend of mine sent me this in an email and I thought I would share it with you. Feel free to copy and send to all your friends. Everyone should know this to protect themselves.

Addendum to the precious message:

If you don’t sign the back of your credit card, but instead put to see photo id, and the clerk bothers to check it, they have to refuse the card and can in fact cut it up.  This is according to the fine print from the credit card companies.  You can put See Photo ID next to or under your signature, but the card must be signed in order to be valid.  I found this out when a clerk at a Subway restaurant pointed it out to me.  I called the card company and found out that she was correct.  According to a standard practice among credit card companies, the clerk was supposed to take the card, call the company and have the account suspended as a result of there being no signature to compare to the one on the photo id.  So now I sign all of my cards AND put for the clerk to check photo id.
Not A Joke!!   Even If you dislike attorneys you will love them for these tips. 

Do not sign  the back of your credit cards. Instead, put ‘PHOTO ID REQUIRED.’  2. When you are writing checks to pay on your credit card accounts,

 DO  NOT put the complete  account number on the ‘For’ line. Instead, just put the  last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won’t have access to it.3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address.

Never have your  SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.4. Place the

contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel.. Keep the photocopy in a safe place.  
I also carry a photocopy of my passport when I travel either here or abroad. We’ve all heard horror stories about fraud that’s committed on us in stealing
a Name, address, Social Security number, credit cards..Unfortunately, I, an attorney, have first hand knowledge because my wallet was stolen last month. Within a week, the thieves ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.  
But here’s some critical

information to limit the damage in case this happens to you or someone you know:5. We have been told we should 

cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.6.

File a  police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).But here’s what is perhaps

most important of all: (I never even thought to do this.)  
7.
Call  the  3 national credit reporting organizations  immediately to place a fraud alert on your name and also call the Social Security fraud line number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name.  The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit..

By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves’ purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks.

Now, here are the numbers you always need to contact about your wallet, if it has been stolen:

1.) Equifax: 1-800-525-6285  

2.) Experian (formerly TRW): 1-888-397-3742

3.) Trans Union : 1-800-680 7289

4.) Social Security Administration (fraud line):  
1-800-269-0271

Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice! This was sent out to the employees in his company:

1.

August 25th, 2010

Top 5 Social Security Myths

I will be getting my social security this year and found these myths to be very interesting. Enjoy

Owner/Author: Pama Lyons

Myth: Social Security is going broke.

Reality: There is no Social Security crisis. By 2023, Social Security will have a $4.3 trillion surplus (yes, trillion with a ‘T’). It can pay out all scheduled benefits for the next quarter-century with no changes whatsoever.1 After 2037, it’ll still be able to pay out 75% of scheduled benefits–and again, that’s without any changes. The program started preparing for the Baby Boomers retirement decades ago.2 Anyone who insists Social Security is broke probably wants to break it themselves.


Myth: We have to raise the retirement age because people are living longer.

Reality: This is a red-herring to trick you into agreeing to benefit cuts. Retirees are living about the same amount of time as they were in the 1930s. The reason average life expectancy is higher is mostly because many fewer people die as children than did 70 years ago.3 What’s more, what gains there have been are distributed very unevenly–since 1972, life expectancy increased by 6.5 years for workers in the top half of the income brackets, but by less than 2 years for those in the bottom half.4 But those intent on cutting Social Security love this argument because raising the retirement age is the same as an across-the-board benefit cut.


Myth: Benefit cuts are the only way to fix Social Security.

Reality: Social Security doesn’t need to be fixed. But if we want to strengthen it, here’s a better way: Make the rich pay their fair share. If the very rich paid taxes on all of their income, Social Security would be sustainable for decades to come.5 Right now, high earners only pay Social Security taxes on the first $106,000 of their income.6 But conservatives insist benefit cuts are the only way because they want to protect the super-rich from paying their fair share.


Myth: The Social Security Trust Fund has been raided and is full of IOUs

Reality: Not even close to true. The Social Security Trust Fund isn’t full of IOUs, it’s full of U.S. Treasury Bonds. And those bonds are backed by the full faith and credit of the United States.7 The reason Social Security holds only treasury bonds is the same reason many Americans do: The federal government has never missed a single interest payment on its debts. President Bush wanted to put Social Security funds in the stock market–which would have been disastrous–but luckily, he failed. So the trillions of dollars in the Social Security Trust Fund, which are separate from the regular budget, are as safe as can be.


Myth: Social Security adds to the deficit

Reality: It’s not just wrong — it’s impossible! By law, Social Security funds are separate from the budget, and it must pay its own way. That means that Social Security can’t add one penny to the deficit.1


Sources:

1.”To Deficit Hawks: We the People Know Best on Social Security” New Deal 2.0, June 14, 2010
http://www.newdeal20.org/2010/06/14/to-defict-hawks-we-the-people-know-best-on-social-security-12290/

2. “The Straight Facts on Social Security” Economic Opportunity Institute, September 2009
http://www.eoionline.org/retirement_security/fact_sheets/StraightFactsSocialSecurity-Sep09.pdf

3. “Social Security and the Age of Retirement”Center for Economic and Policy Research, June 2010
http://www.cepr.net/index.php/publications/reports/social-security-and-the-age-of-retirement/

4. “More on raising the retirement age” Ezra Klein, Washington Post, July 8, 2010
http://voices.washingtonpost.com/ezra-klein/2010/07/more_on_raising_the_retirement.html

5. “Social Security is sustainable” Economic and Policy Institute, May 27, 2010
http://www.epi.org/analysis_and_opinion/entry/social_security_is_sustainable/

6. “Maximum wage contribution and the amount for a credit in 2010.” Social Security Administration, April 23, 2010
http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/240

7. “Trust Fund FAQs” Social Security Administration, February 18, 2010
http://www.ssa.gov/OACT/ProgData/fundFAQ.html

8. “To Deficit Hawks: We the People Know Best on Social Security” New Deal 2.0, June 14, 2010
http://www.newdeal20.org/2010/06/14/to-defict-hawks-we-the-people-know-best-on-social-security-12290/

August 18th, 2010

5 Gadgets to Keep Your Wires Neat

This is something that I think all of us have a problem with at one time or another. I know I have had and still do have this problem. This article has helped my quite a bit.

Author/Owner: Pama Lyons

While you are here, please check out the right hand side for my products. Maybe there is something you can use.

This article was posted by Jaime Derringer, Posted Jul 20th 2010 10:00AM

Oh, what a tangled web we weave! Luckily, these inventions can keep your mess of cords under wraps.

TV wires, cable wires, USB cords — these days we’ve got more electronics than we know what to do with. From chargers to laptops to printers to DVD players, you can’t seem to escape being wrapped up in wires. But that doesn’t mean you can’t keep the chaos organized.

An entire business has been built on creating gadgets and contraptions to tame your unruly cables. Let’s take a look at five really great ideas — most you can buy ready-made, and one you can McGyver using something you probably already have around the house.

FOR ONE CABLE
1. Bluelounge CableClip
My least favorite part about unpacking a new gadget is taking the protective plastic sleeve or twist tie off of the beautifully organized cable, unleashing its true, unruly nature. Bluelounge has developed a CableClip designed to hold your cables in a perfectly-wrapped, contained state.

Another great solution is this water hose-inspired Wall Cleat by designer Karl Zahn, which doesn’t appear to be in production yet.

FOR A FEW CABLES
2. The Cable Turtle
Resembling an oversized yo-yo, the Cable Turtle organizer keeps wires under wraps with its circular design. Cables are wrapped around a central spindle and covered with two discs. You can pull the cables out from either side to elongate. This is a great product for smaller wire messes as it comes in three sizes, the largest of which can hold about three large cables.

FOR A LOT OF CABLES
3. Bluelounge CableBox
I saw this product on a recent trip to The Container Store and almost bought it. The CableBox is another clever idea from the geniuses at Bluelounge. The simple, clever box holds your entire power strip (even a double one!) and its unsightly messy cables.

 

 

 

 

 

4. Cable Zipper
Is it pandemonium behind your entertainment center? The Cable Zipper is a great solution for TV, DVD and cable box wires. You place the wires inside the snake-like casing and — using the patented zip clip — you essentially zip it closed like a real zipper. It keeps the cables contained until they reach their final destination.

5. Binder Clips

Yes, those binder clips. You probably don’t need to even go to the store for this one. This idea is so smart. The clever hackers over on Lifehacker have come up with a few ways that you can use the small black fasteners to help organize more than just your papers.

First, user gkrieshok uses binder clips with the addition of magnets to keep his cables affixed to his desk rather than curled all over the floor. Simple attach the clips to the side of your desk and affix a few magnets to the outside. Then, you can attach and detach your cables easily.

I think this is all so clever.

August 11th, 2010

Things You Thought You Could Recycle…But Can’t

I have to admit that I probably don’t recycle like I should. I mostly use the blue bin that is picked up on Thursdays here in Huntsville. I am glad that we have a truck that comes by and picks up our recycle. I have friends who really go out of their way to recycle everything. Good for them. I hope you enjoy this article and can give you some helpful hints.

While you are here please check out my products on the right hand side. I hope you find something you can use.

Owner/Author: Pama Lyons

This article posted by Jen Jafarzadeh L’Italien, Posted Apr 9th 2010 8:00AM

Thankfully, awareness of the environmental need to recycle and shop with reusable tote bags is everywhere. In fact, it’s probably the do-gooder in us all that leads some of us to sort our trash incorrectly — and toss things in the recycling bin that actually can’t be recycled.

Each local recycling facility is different, so you want to be aware of what you can and can’t recycle in your area. If you sort incorrectly, your entire bag of recyclables ending up in a landfill — the good along with the bad. For many materials, it’s not a question of whether it’s recyclable, but whether recycling is practical, cost-effective, or provides an environmental benefit that’s greater than the environmental cost of recovery, says the U.S. Environmental Protection Agency (EPA).

Here are some of the items that blur the line for a lots of people. You might think you can recycle these things, but according to the EPA, you actually can’t.

Food-Contaminated Containers
Skip the pizza boxes and take-out containers, even though they’re often made out of materials that are commonly recycled, like cardboard and plastic. If the container has any grease or food particles at all, it can damage the material meant to be recycled and contaminate the entire batch of recyclables.
Cosmetics
The containers that hold lipstick, mascara, blush, and other cosmetics are generally not collected for recycling due to the blend of materials the containers are made out of (some recyclable, some not.) Good news: Origins has its own recycling program and accepts empty cosmetic tubes, bottles, and jars (regardless of brand). Simply drop off your empties at your nearest Origins store or department store counter. All returned packaging gets sent back to a central location where products will be recycled or used for energy recovery.
Packaging Made of Foiled, Glossy, Glazed, Waxed, Glassine, and Lacquer Coating: Unfortunately, the coating on candy bar wrappers, pretzel bags, frozen food boxes, and juice boxes — to name a few — cannot be recycled due to the blend of materials and tendency for these wrappers to be made out of non-cellulosic materials (not plant-based), which makes recycling difficult. This lightweight packaging makes collection difficult, because the wrappers can stick to other recyclables and be sorted incorrectly or create litter issues when picked up by the wind. The other problem with these items: there’s a lack of demand for the reuse of these materials.
Napkins, Paper Towels, Tissue, and Tissue Paper
This paper is often contaminated, and is typically too low-grade to be recycled. Toss it in the regular trash instead.
Plastic Caps on Bottles
I bet most of us have made this mistake. While the plastic bottles are recyclable, the caps are usually made of a different type of plastic called polypropylene, or plastic #5, and not accepted in the recycling bin. These include flip-top and twist-top caps plus laundry detergent and peanut butter lids. But you can still recycle these caps separately. Aveda has a recycling initiative that accepts all kinds of rigid plastic bottle caps.
Household Hazardous Waste
This list includes batteries, light bulbs, paint cans, and aerosol cans. While you shouldn’t put these items in your recycling bin, you often can recycle these items through special collection events. And it’s especially good to take these items to recycling events, or have them collected, because it prevents harmful materials from entering the environment.

Here’s a surprising find that you can recycle (and you probably thought that you can’t): sticky notes and envelopes. According to the EPA, most sticky notes can be recycled because the adhesive is water-based and dissolves. The same holds true for all those bill-paying envelopes with the plastic windows.

I have actually learned a few things from this article myself. I hope you have.

August 4th, 2010

Blood Clots/Stroke – They Now Have a Fourth Indicator, the Tongue

It’s always good when you know what to look for when something different might be happening to you. Here are some great tips to look for when you might be having a blood clot or stroke.

While you are here, check out my products on the right hand side.

Owner/Author: Pama Lyons

STROKE:  Remember the 1st Three Letters….STR

STROKE IDENTIFICATION

It only takes a minute to read this…

A neurologist says that if he can get to a stroke victim within 3 hours he can
totally reverse the effects of a stroke…totally!  He said the trick was
getting a stroke recognized, diagnosed, and then getting the patient medically
cared for within 3 hours, which is tough.

RECOGNIZING A STROKE

Thank God for the sense to remember the ‘3’ steps, STR. Read and Learn!

Sometimes symptoms of a stroke are difficult to identify. Unfortunately, the
lack of awareness spells disaster. The stroke victim may suffer severe brain
damage when people nearby fail to recognize the symptoms of a stroke.

Now doctors say a bystander can recognize a stroke by asking three simple
questions:

S  *Ask the individual to SMILE. 
T  *Ask the person to TALK and SPEAK A SIMPLE  SENTENCE  (coherently) ie:  It is
sunny out today.
R  *Ask him or her to RAISE BOTH ARMS.

If he or she has trouble with ANY ONE of  these tasks, call emergency number
immediately and describe the symptoms to the dispatcher.

New Sign of a Stroke — Stick out Your Tongue.

NOTE:  Another ‘sign’ of a stroke is this:  Ask the person to ‘stick’ out his
tongue. If the tongue is ‘crooked’, if it goes to one side or the other, that is
also an indication of a stroke.

A cardiologist says if everyone who gets this e-mail sends it on,  maybe one
life will be saved.

Wordpress