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Your Mortgage Application May Trigger Competing Offers
If you are in the market to buy a house you may start getting contacted by everyone and their uncle.
Your Health While Flying
Being in cramped quarters on an airplane, your health may be in jeopardy.
Your Debts and Debt Collectors
You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors.
Your Credit Billing and Electronic Fund Transfer Statements
With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit.
Your Credit and Your Rights
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment.
Will Legalized Gambling Help Or Hurt Thailand?
There is talk once again about legalizing gambling in Thailand and opening a casino.
Why You Should Stay At A Pattaya Guest House
There are many accommodations in Pattaya, so what should you choose?
Why Should You Retire in Thailand?
I am two years away from retirement and I plan to retire in Northeastern Thailand. Why, you may ask? I will tell you the reasons to retire in the land of smiles.
Why Did I Borrow From My Pension Plan?
Conventional wisdom says to never borrow from your 401(K) or other pension plan.
Who Needs a Passport?
Are you traveling overseas? Do you need a passport?
Where To Stay When Visiting Bangkok
Staying in Bangkok is all about location.
Where to stay in Pattaya?
You’ve decided to spend your holiday in Pattaya, Thailand and leave the cold and snow of your home country. Great! But, where do you stay once you get there?
Where To Go In Thailand?
You have decided to visit Thailand for your holiday, but where do you go?
Where Does A Single Man Stay In Bangkok?
You have quite a few different options as to where you stay in Bangkok. You just need to figure out what is best for you.
What You Need to Know About Your Health in Advance of Travel
No one wants to get sick while they are on vacation.
What You Need To Know About Auto And Home Loans
Getting the best interest on a car or home loan is all up to you.
What You Must Declare When You Return To America From Overseas
Most tourists buy souvenirs when they travel overseas and may be shocked when they return.
What You Can Do To Avoid A Terrorist Attack
Terrorist acts occur unpredictably, making it impossible to protect yourself absolutely. The first and best protection is to avoid travel to areas where there has been a persistent record of terrorist attacks or kidnappings.
What U.S. Consuls Can Do To Help You
U.S. consular officers are located at U.S. embassies and consulates in most countries overseas. They are available to advise and help you, if you are in any serious trouble.
What to Learn About Before You Go to a Foreign Country
Before you go to a foreign country, you should do your homework. There is no excuse for not knowing with all of the information available on the Internet. Embassy and consulate information, along with web sites for your holiday country are readily available. Most sites will also have forum with local residents and tourists providing current information and available to answer your questions.
What To Learn About Before You Go Overseas
Consider security in your vacation planning.
What To Expect When You Check In For Your International Flight
The key to flying international is to be prepared. The better you plan before you go the easier that check-in will be.
What to do if your flight is cancelled or delayed.
A mechanical problem or a typhoon can put a damper on your business or leisure trip. What are your options if you can’t get to your destination on time? Sometimes it is the squeaky wheel that gets the oil.
What To Do If You Have Credit Problems
Here are some basic steps to take if you have credit problems.
What To Do About Negative Information In Your Credit Report
Do you know what the laws are regarding negative information in your credit report?
What to Carry in Your Carry-on Bag on an Overseas Flight
Preparing for an overseas flight is a little bit different than your standard domestic flight. About the only type of flight that compares is a U.S. coast to coast. If you properly plan it will make your long flight better.
What The Heck Is Bubble And Squeak?
Ever order a full English breakfast and wonder what was on the plate?
What Smart Shoppers Know About Telephone, Mail Order, and Internet Sales
Do you shop in your underwear?
What Kind Of Credit Card Should You Get?
There are many choices in credit card land. How do you make an educated decision?
What Is Utility Credit?
Will you be left in the dark if you can't get utility credit?
What Is There To Do On Walking Street?
If you have ever been to Pattaya, you know all about the infamous Walking Street. If you haven’t been, you need to go.
What Is The Truth about Credit Repair?
Got bad credit? Want to get it repaired? Can you handle the truth?
What Is The Truth About Advance-Fee Loan Scams?
Does it sound too good to be true? It probably is.
What Is The Credit Repair Organizations Act?
Do you know what your credit rights are?
What Is Mortgage Fraud For Profit?
If you are having a hard time paying your mortgage, you may be contacted by unscrupulous individuals offering to help. Beware.
What Is Identity Theft And Can It Happen To You?
Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.
What Is Electronic Check Conversion?
Have you joined the electronic check age? Questions and answers for you.
What Is Electronic Banking?
For many consumers, electronic banking means 24-hour access to cash through an automated teller machine (ATM) or Direct Deposit of paychecks into checking or savings accounts. But electronic banking now involves many different types of transactions.
What Is Debtor Education?
Bankruptcy Post-Filing Debtor Education
What Is Credit Denial And What Can You Do About It?
If you apply for a credit card or a loan and the company turns you down, they must send you a written notice within 30 days.
What Is Credit and Debit Card Blocking?
What is credit or debit card blocking and how does it affect you?
What Is Compulsive Gambling?
How do you know if you are a compulsive gambler and what can you do if you are?
What Is A Reverse Mortgage And Should You Get One?
Reverse mortgages are for senior citizens who own homes and want monthly income.
What Is A Duty-Free Exemption?
If you are traveling overseas you can save some money with a duty-free exemption.
What Is A Contract Of Carriage?
If you use airline travel, you need to know what the contract of carriage is.
What happens if you get arrested in Thailand?
Americans traveling or living in Thailand are subject to the laws of the Kingdom of Thailand. Please bear in mind that the Embassy is limited by jurisdiction in the assistance it can provide to Americans arrested in Thailand. The U.S. Government has no funds for your legal fees or other related expenses.
What Happens If You Are Arrested Overseas?
If you are going overseas, avoid drugs at all costs.
What Does Equal Credit Opportunity Mean?
Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan.
What Do You Need To Know to Apply for a Credit Card?
All credit cards are not the same. You need to find one that matches you and your spending habits.
What Do You Do When You Finally Pay Off Your Credit Card Debt?
After you pay off credit card debt, you may want to consider putting all of your credit cards in the blender and turning them into mulch. The weight of the credit card debt is finally off of your shoulders and you don't want to go through it again.
What Do You Do In A Hostage Situation?
No one plans to encounter a terrorist and becoming a hostage. What can you do to increase the odds of survival?
What Do You Do If Your Identity's Been Stolen?
Do you have any unusual charges on your monthly credit card statement? Someone may be posing as you.
What Do You Do If Your Credit or Debit Card is Lost or Stolen?
Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen.
What Do You Do If You Lose Your Airline Ticket?
Airline tickets are similar to negotiable documents. Because of this, refunds can be difficult to obtain if tickets are lost or stolen.
What Do You Do If You Get Kidnapped?
We live in a crazy world and anything can happen. You have to be prepared for anything.
What Do You Do During an Overseas Layover?
Unless you are only traveling a few hundred miles, the days of the non-stop are virtually non-existent. There are a few non-stop flights from point A to overseas point B but they are usually too expensive or the country you want to visit is that airline’s hub.
What Do You Do About Delayed And Canceled Flights?
If you have ever had your flight delayed or canceled you know what a pain it can be.
What Can You Do to Help The Environment When You Travel
Think "green" when planning your next trip.
What Can I Do To Improve My Credit Score?
Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application.
What Can A Debt Collector Legally Do?
Can the collection agency call you at all hours and at your place of business? You need to know the law.
What Are Your Legal Rights When It Comes To Online Banking
Many people use online banks for their ease of use but what are your legal rights?
What Are The Procedures To Adopt A Thai Child?
Have you ever considered adopting a child from Thailand?
What Are the Indicators of Compulsive Gambling?
Are you a compulsive gambler but you remain in denial?
What Are Subprime Mortgage Loans?
You certainly have heard or read news about the subprime mortgage loan mess that the United States is currently suffering from. But, what exactly is a subprime?
What Are Prescreened Offers of Credit and Insurance?
You may call it junk mail or it may be the answer to your financial woes.
What Are Living Trust Scams
If you are considering a living trust, be careful. There are scam artists everywhere.
What Are Debt Negotiation Programs?
Are you drowning in debt? A debt negotiation program may be the answer.
What Are Debt Negotiation Programs?
Have you reached a point in your financial woes where you want to contact your credit card company and try to negotiate a payoff?
What Are Debt Negotiation Programs?
Are debt negotiation and debt management programs the same thing?
What Are Debt Management Plans?
If your financial problems stem from too much debt or your inability to repay your debts, a credit counseling agency may recommend that you enroll in a debt management plan (DMP).
What And How To Pack For A Safe Holiday
Packing properly will make your vacation start off right.
Ways To Save Money (Part 7)
With the price of oil and gas going higher and higher, credit card debt, and the sub-prime mess, we are all looking for ways to save a few dollars.
Ways To Save Money (Part 6)
With the price of oil and gas going through the roof, debt restructuring, and sub-prime confusion, we are all looking for ways to save a few dollars.
Walking Street Is Absolutely Insane
If you go to Pattaya, you will find Walking Street to be one of the craziest roads in the world.
Traveling To High-Risk Areas
Traveling to a high risk area is just that - high risk. You can minimize that risk with the following.
Travel Warning On Drugs Abroad: Just Say No
Even though this information is 13 years old, it still pertains today.
Travel And Terrorism
Terrorist acts occur unpredictably, making it impossible to protect yourself absolutely.
Toys For Tots Program Expands Giving Boundaries
I am sure that you all have heard of the Toys for Tots program that the United States Marine Corps sponsors every Christmas. But, did you know that it has gone global?
Top Twelve Travel Tips for Students
If you are a student planning a trip overseas, here are some tips to help you with your trip. This list is not all inclusive, but it should give you a good start to a safe and enjoyable trip abroad.
Top Ten Reasons Your Articles Are Declined
Article marketing is one of the best ways to establish yourself as an expert in your field and also a great way to get links to your web site. To increase your chances of having your article published, here is my personal list of reasons your articles are not published.
Top 10 Ways to Protect Yourself From Counterfeiting and Piracy
Shopping in Thailand can be fun - haggling the prices, getting great deals, the aroma of open-air markets, and getting souvenirs for family and friends. But, you need to be careful. Your shopping trip can result in your goods being confiscated, heavy fines, and possibly jail.
Thailand is notorious for counterfeit goods (shirts and hand bags), pirating software, and illegal copies of movies. Customs may inspect your luggage when you return and confiscate everything.
Tis the Season to Travel
With Christmas and New Years right around the corner, many people will be traveling to visit family and friends. And many will take to the air to return home for Christmas dinner and New Year Eve celebrations. Many of these people will be first time flyers and should do a little homework before taking that first flight. Different countries and different airports/airlines have different rules – so check before you fly.
Tips To Glide Through Customs
Entering a foreign country or returning from one puts you in contact with Immigration and Customs Officers.
Tips for Traveling Overseas
Making some minor preparations before you go overseas will save you time and effort and give you peace of mind.
Tips For The Screening Process For Travelers With Disabilities And Medical Conditions
If you have a disability, properly preparing for your flight will make the security screening go much smoother.
Tipping In Pattaya
When you go out for dinner or drinks in Pattaya, should you tip?
Think Before You File For Personal Bankruptcy
Information about credit counseling and personal bankruptcy
Things to Arrange Before You Travel Overseas
No one expects anything to happen while on a 2 or 3 week vacation – but you really should make some preparations – just in case.
There Is No Quick Fix For Improving Your Credit Report
It takes time to repair you credit – it can't be done overnight.
Their Name Liveth For Evermore
If you are a World War II history buff, you need to set aside one day of your Bangkok vacation and visit Kanchanaburi. The title of this article is an inscription on one of the monuments at the war cemetery.
The Real Steal - Credit Card Loss Protection Offers
If you lose your credit card or have it stolen – how much money are you responsible for? Know how much you are liable for and avoid the scam artists. Don’t be fooled by high pressure phone calls offering worthless protection.
The Long Road To Casino Gambling In Thailand
Thailand has faced many hurdles whenever the legalized gambling issue is raised, but it looks like the finish line is getting closer.
Thailand’s Peacekeeping Role in Southeast Asia
Since the end of the Cold War, and with the rise in low-intensity conflicts, the resulting impact on stability and security in the region and the world at large resulted in the Royal Thai Government enhancing its support to peacekeeping and humanitarian activities. This has been at both regional and global levels.
Thailand’s Military - Multinational Support
Thailand has been a staunch ally of the United States for many years and has provided military support to many ongoing missions – primarily in Afghanistan and Iraq. The have also provided support to other peace keeping operations around the world.
Thailand Tailors
Should you buy a suit or some slacks while you are in Thailand?
Thailand Smoking Ban Goes Into Effect
A new law banning smoking in restaurants, bars and even open-air markets went into effect in February, 2008.
Thailand Rules of the Road
If your are planning a vacation to Thailand, you will find that getting around is different than in your home country. You will have to learn to navigate on the "wrong" side of the rode (if you are from the US), negotiate with a tuk-tuk driver, and pay to ride in the back of pick-up trucks (Baht buses). It will be an experience you will never forget if you keep these points in mind.
Thailand Holiday Countdown
With only 5 days remaining until I go to Thailand, the Land of Smiles, it is time to do some serious packing.
Thai Visas for American Citizens
Going to Thailand? Going to stay more than 30 days, work or retire in Thailand? Make sure you know the rules.
Telephone Number Fraud
Don’t confuse toll free 800 numbers with big charge 900 numbers.
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