08/09/2010
My mother, who shall we say loves to complain and make all problems revolve around her and focus on how they affect her, called me...Her dilemma - her ex-husband who is back together with her after leaving her for a 5 year shack up honey is back in her life.
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Tags: Adult Child-Parent, Character, Courage, Conscience, Character-Courage-Conscience, Family/Relationships - Adult Child/Parent, Morals, Ethics, Values, Read On-Air, Values
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07/27/2010
Google History and YourPrivacy By John Sileo www.ThinkLikeaSpy.com
What started in 1997 as aresearch project and a mission as the way to organize the world'sinformation has turned into the world's largest search engine. Googlehas given anyone with an Internet connection access to more informationthan they realize. With such quick access to information, you need tobe careful what you put on the World Wide Web and realize what iscontained in your Google History. Remember, posts -- and searches-- are permanent. Here are a few privacy issues when it comes toGoogle:
- Google's Cookie and Toolbar. Whenyou use their search engine, Google places a self-renewing cookie witha unique ID number on your hard disk. As you search websites, Googlerecords your surfing activity and saves your searches. There are waysto change your Internet options to stop the cookie tracking and you canlearn more by visiting www.google.com/support/accounts/. Remember, nothing you do on the Internet is private; it is all tracked,aggregated, analyzed, sold and used for a variety of purposes (many ofthem good). The advanced features of Google's new toolbar for InternetExplorer not only updates automatically, but it also tracks whichwebsites you visit.
- Google Mail. Google's mail service,or Gmail offers users free webmail. What most users will notice are thetargeted ads that appear on the right side and above your email.According to Google's privacy page they state "Google believes thatshowing relevant advertising offers more value to users than displayingrandom pop-ups or untargeted banner ads. In Gmail, users will see textads and links to related pages that are relevant to the content oftheir messages#133;. No email content or other personally identifiableinformation is ever shared with advertisers." Although they may notdirectly be sharing the content of your email messages withadvertisers, they are being scanned for content and populated withrelevant advertising. Most people and businesses probably don'tconsider an email that has been scanned by others to be truly private.
- Google Docs. Google Docs is anamazingly powerful platform that essentially replaces Microsoft'sOffice on your computer. This has many advantages. It is considerablyless expensive, always up to date and available from any computerconnected to the Internet. It gives you freedom of computing, sharingand collaboration not available when your documents are available onlyon a physical hard disk. It is rapidly being adopted as the officesuite of choice by governments, education systems and businesses. Butas with any web-based application, there are privacy concerns.
Google's profit model is based oncollecting, indexing and sharing as much information as possible abouteveryone who uses its suite of tools. Because Google dominates thesearch engine market, websites, businesses and individuals are highlydependent on them. This dependency gives us a good excuse to overlookprivacy issues with the company (Gmail is so useful, I couldn't livewithout it, even if I'm losing some of my privacy). The solution is notto stop using Google, the Internet or web-based tools. It is to beconscious and discriminating of how you use the tools.
About the author: John Sileo became America'sleading IdentityTheft Speaker amp; Expert after he lost his business and morethan $300,000 to identity theft and data breach. His clients includethe Department of Defense, Pfizer and the FDIC. To further bulletproofyourself and your business, visit John's blog at Sileo.com. To book John at yournext event, visit www.ThinkLikeaSpy.com. Permissiongranted foruse onDrLaura.com
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Tags: Marriage
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07/27/2010
Six Things You Need toDo to Avoid Buying a "Lemon" By Norman Taylor www.normantaylor.com
Buying a car is a biginvestment - whether it's brand new or a used car. It can also be anexciting time and thinking about possible defects in the vehicle maynot be top of the list of features you're looking for. However, the recent recalls have opened our eyes to the possibilitythat even a brand new car from a manufacturer previously consideredsafe could have a defect and turn out to be a 'lemon.'
What should you do to protect your investment and make the purchase ofyour next car a pleasant and rewarding experience?
1.Know the Car Manufacturers' StatisticsRegarding Lemon Law CasesOnce you find a car you like,check on their lemon record. Statistics are available that givethe percentage of lemon law cases by vehicle manufacturer. What to lookfor? The higher the percentage of lemon law cases compared to thenumber of vehicles sold is an indication that something is wrong. Check for recalls or recent safety issues. 2. Do your homework. If you are buying a pre-ownedvehicle, check its history. Have you ever heard the phrase 'launderedlemon ? When a car has a defect the dealer or manufacturer couldbe forced to buy it back. These cars have been known to findtheir way back onto the lot and get sold again, without the requireddisclosures. One way to check if the car youwant to buy has a 'hidden past' is to do a title search through theNational Motor Vehicle Title Information System at www.nmvtis.gov. Many states,including California, require 'lemon buyback to be included in thetitle of a vehicle.Go the extra mile with yourresearch: Find the Vehicle Identification Number (VIN) and research thevehicle's history. For a small fee you can get a title history fromCARFAX Vehicle History Reports, AutoCheck, Consumer Guide andothers. It's wise to check a number of sources; just because onereport is clean another might not be.3. Buy from a reputable dealer. Whether you're looking to buy anew car or a used car, it's best to go to a well-known dealer. They keep only the best trade-ins and they are usually easier to dealwith if you do happen to get a lemon.4. Check out the WarrantyWhat are the terms of the warrantyfor a new car? What exactly does it cover? And if it ispre-owned, dealers must include the FTC Buyer's Guide. Sometimes a usedvehicle is sold with a warranty and sometimes it is sold 'as is' or'with all faults'. A service contract does not confer the same rightsas a warranty so be sure to clarify exactly what you're getting. Get any form of warranty offered in writing. The conditionsshould be clearly stated, such as what percentage of labor and partsthe dealer will cover, for exactly which systems within the vehicle,and for what duration. 5. Always Take A Test DriveAlways take a test drive and makea note of any unusual squeaks or rattles. Note if the car pullsto one side.6. Have the Vehicle InspectedIf everything else checks out,before you sign on the dotted line, take the car to an independentmechanic and have the vehicle thoroughly inspected. If you do your homework your new car should be a reliable and enjoyableasset for many years to come. Should you have the misfortune torun into difficulties with defects, remember that every state has somekind of lemon law to protect its citizens from the nightmare of adefective vehicle. You can find all the information you need inthe Lemon Law Guide.
Author Bio: Norman Taylor has worked as aconsumer advocate specializing in California Lemon Law for morethan twenty years. Over this time his firm has handled over 8,000cases that resulted in refunds in excess of $100,000,000.00 paid toconsumers for defective vehicles. http://www.normantaylor.com. Permissiongranted foruse onDrLaura.com
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Tags: Marriage
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07/27/2010
The Lemon Law is NotJust for Cars By Norman Taylor www.NormanTaylor.com
Although the Lemons Law is mostoften associated with defective vehicles, it applies to all consumerproducts purchased for personal use. What exactly is a "consumerproduct for personal use"? That would be virtually anything anindividual buys for their own or household use, except clothingand consumables. It could be an electric toothbrush or a kitchenappliance. There have been several calls for creating a computer lemonlaw, but the law already covers computers bought for personaluse. It also covers musical instruments and even medical devicessuch as wheel chairs and hearing aids. The only requirement is that theproduct is bought primarily for personal or family use.
Consumers don't expect manufacturers to produce defective products, butthis consumer protection law takes the opposite view-the more expensiveand complicated a product is, the more possibility there is thatsomething can go wrong. Both consumer and manufacturer have rights andduties under this law: the consumer has the duty to present the productto the manufacturer or its representative dealer so that they candiagnose the defect and repair it. Along with the duty, the consumerhas a right to expect that the product will be repaired honestly andexpeditiously.
Manufacturers have the right to expect that the consumer will presenttheir defective vehicle at an authorized dealer for repair in a timelymanner, nothing more. They cannot expect that the consumer perfectlydescribe the defect or any other limiting requirement. The Lemon Lawmakes allowances for the manufacturer to repair the product, or if thatfails, to refund the money or give the purchaser a replacement.
Lemon Law Tips
- Your best defense against anuncooperative manufacturer is a thorough, specific and accurateservice-record paper trail. Document everything. Obtain copies of allwarranty repair orders from the dealer and keep notes of your reportedproblems and all conversations you have with service people, includingthe date, time and participants in these conversations.
- Determine whether yourprevious efforts to repair the problem satisfy the requirements of yourstate's lemon law. Most state laws allow the manufacturer three or fourchances to repair the defect or defects.
- Put your complaint inwriting. Send a letter to the manufacturer and ask for either a refundor replacement.
- If you still don't getsatisfaction consider hiring an experienced and effective lemon lawattorney
Author Bio: Norman Taylor has worked as aconsumer advocate specializing in California Lemon Law for more thantwenty years. Over this time his firm has handled over 8,000cases that resulted in refunds in excess of $100,000,000.00 paid toconsumers for defective vehicles. http://www.normantaylor.com. Permission granted for use onDrLaura.com.
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