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10 Common Homeowner Complaints Ten problems every homeowner should be aware of…. and avoid. 5 Tips For Improving Your Credit Score Is your credit score in the low 600's? Do you know what your credit score really is? 7 Things Seniors (and Everyone Else) Should Know About FDIC Insurance How much does the FDIC insure your savings for? A Day At Koh Larn A short boat ride from Pattaya is the Coral Island – Koh Larn. A Review Of Bontonmairimnam Restaurant One of the things that I look forward to on my visits to Khon Kaen, Thailand is eating. Accurate Negative Information And Controlling Your Debt Checking your credit report for inaccurate information is essential. Your credit score depends on it. Affiliate Marketing Can Make You Money Sorry. There are no claims to making millions and millions of dollars using affiliate marketing here. No fancy eBooks, sales pages, pitches, or wild claims of rags to riches. Just a common sense approach to making some money as an affiliate. Air Force Medical Team Performs Goodwill Mission In Thailand Mainstream media likes to only report the negative military news. Here is a story that shows some of the good things that the military does on a regular basis. The Army, Air Force, Navy, and Marines perform these types of missions throughout the year and most of these stories go unreported. Air Passengers with Disabilities – Know Your Rights Over 40 million Americans have disabilities. The Air Carrier Access Act and the Department of Transportation rule that implements it, set out procedures designed to ensure that these individuals have the same opportunity as anyone else to enjoy a pleasant flight. Here are some of the major provisions of the rule: Air Travel, Disabilities, And The TSA Traveling with a disability is difficult and the TSA does its very best to help you get through security checkpoints with little or no hassle. Airline Baggage – Pack For Success Take a little time to plan what you will be packing for your next airline trip. Airline Reservations and Ticketing Tips Once you decide when and where you want to go, and which airline you want to use, getting reservations and tickets is a fairly simple process. You can make all of your arrangements by online, telephone, at the airline's ticket office, or through a travel agent or other ticket outlet. There are a few potential pitfalls, however, and these pointers should help you avoid them. Airlines And Contracts Of Carriage Are the airlines liable for anything at all? Airlines and Passengers With Disabilities If you are challenged by a disability, contacting your airline ahead of time will help ease your flight. Always Protect Your Credit Cards You are the first line of defense for your credit cards. These are the things you can do to minimize your risk. Always Split Aces and Eights Playing consistently in blackjack is one of the keys to winning. Playing consistently correct is even better. American Consulate in Chiang Mai I am sure that you are aware that there is an American Embassy in Bangkok – but – did you know that there is a consulate in Northern Thailand? This may save you some time and money if you have official business to conduct and don’t want to go all the way to Bangkok. American Express Blue Or Green Credit Cards Green or Blue? Which American Express card is right for you? Annuities for Retirees: What to Consider Before You Invest Investments called annuities are similar to traditional Individual Retirement Accounts and employer-sponsored 401(k) plans in that your money can grow tax-deferred until you withdraw it from your account. However, annuities are complex products and are not appropriate for everyone near or in retirement. Here's an overview, including things to consider and questions to ask before you invest. Anyone Can Qualify For A Major Credit Card Is it really true that anyone can qualify for a major credit card? Applying for Credit – A Regular Catch-22 We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house. Are There Any Good Restaurants On Walking Street? Most single guys know that Pattaya's Walking Street is a haven of go-go bars but many don’t know about the great restaurants. Are You A Newbie Going To Pattaya Thailand? If you are going to Pattaya, Thailand for the first time, you should learn from someone else's experience so you don’t make newbie mistakes. Are You A Victim Of Telemarketing Travel Fraud? Have you purchased a travel package over the phone? Is it legitimate? Are You Becoming a Compulsive Gambler? Compulsive gambling is an illness similar to alcoholism. If you think you may be a compulsive gambler, please seek help. Are You Facing Foreclosure? What can you do if you receive a foreclosure notice? Are You Having A Hard Time Dealing With Debt? What options do you have when you are trying to erase your debt? Are You Managing Credit And Debt Or Is It Managing You? Who is in control – you or your credit card? Are You Monitoring Your Credit? If you are not monitoring your credit and your credit reports, you may be in for a big surprise. Are You Thinking About Refinancing Your Home? With interest rates at the lowest in years, it may be time to consider refinancing your home. Are You Traveling Overseas With Children? More and more families are traveling to Thailand and other overseas areas. If you are flying and have small children, make some preparations before you go and remember that the security officers are doing their job keeping all of us safe. Are You Traveling With A Disability Or A Medical Condition? The airlines are prepared to assist people with disabilities or medical conditions, but you have to do your part to help them help you. Arrival and Claiming Your Bags Many bags look alike. After you pull what you think is your bag off the carousel, check the name tag or the bag tag number. If your bag arrives open, unlocked or visibly damaged, check right away to see if any of the contents are missing or damaged. Arriving at an Airport You Can’t Even Pronounce If you have recently traveled to Thailand you arrived at the newest Southeast Asian airport. Bangkok’s new airport replaces an old friend of mine. Article Marketing-Both Sides of the Fence I have been submitting articles to article sites for quite a while now – both manually and with the use of a submitter. I also have 6 article sites and accept auto-submitted articles to 4 blogs. So, I understand submission guidelines from both perspectives. Articles: Is It Better to Give or Receive? Which is the better way to market you product? Is it better to submit articles to other sites or is it better to run an article site and receive articles? Avoid Predatory Lenders and Get a Good Home Loan How to avoid predatory lenders and get a good home loan. Basic Financial Information Tips (Part I) Here are some financial tips, definitions, and information that will hopefully help you save money or get out of debt. Basic Financial Information Tips (Part II) Here are some additional financial tips, definitions, and information that will hopefully help you save money or get out of debt. Be On The Alert to Mortgage Scams The scam artists are lurking right around the corner looking to take over your house. Before You File for Personal Bankruptcy Get Educated Information about credit counseling and debtor education Beware Of Foreclosure Rescue Scams Foreclosures across America are definitely on the rise with the sub-prime mess the lenders got us into. Beware of Russian Dating Scams The bad guys are all over the Internet and have infiltrated dating sites in hopes of making money illegally. Beware of Strangers Bearing Gifts There are many scams and frauds that target our senior citizens. Don’t become a victim. Beware Of Travel Scams Beware of travel offer that seem just too good to be true. Beware When Shopping Overseas. Going shopping during your Asian vacation can be a lot of fun – but it can also be a problem. Be careful when shopping by following the following tips. Saving money while shopping from the local vendors is great – but it can cost you when you return and go through customs. Don’t ruin your holiday – know the rules before you go overseas and buy souvenirs that will be confiscated when you return. Booking Your Vacation Then and Now Booking hotels and flights has changed remarkably over the past 20 years. The Internet has made it possible to do it all yourself. Can a Foreigner Own Property in Thailand? The best answer I can give is “it depends”. Thai land laws are a bit confusing and you should consult and English speaking lawyer in Thailand before any property transactions. Can Fido Fly The Friendly Skies? If you plan to bring your pet with you on your vacation, or transport your precious pooch by airplane, you need to know the rules. Can I Receive Federal Benefits If I Retire In Thailand? You want to retire in Thailand but are worried that you cannot collect your Social Security benefits if you retire in a foreign country. Well, worry no more. Can Telemarketing Fraud Happen To You? Too many consumers are losing money to fraudulent telemarketers. Can You Really Retire in Thailand On $500 Per Month? Retiring in Thailand is something I have been planning for ever since I can remember. From my first visit to Bangkok in 1973, to my last trip to Khon Kaen 3 months ago, I constantly think and plan for my retirement in the Land of Smiles. Can Your Flight Be Legally Overbooked? Do airlines really book 350 tickets on an airplane that only has 340 seats? What to do if you are bumped. Celebrate Songkran in Thailand Sawasdee Pii Mai & Happy Thai New Year! Although it is a few months away, it is never too late to plan for a trip to Thailand to celebrate Thai New Year. Check That Pre-Approved Credit Card Offer Chances are you've received "pre-approved" credit card offers in the mail. Examine the fine print carefully before you accept any offer for a credit or charge card. Checking-in For Your Flight-It’s in the Bag Arriving at the airport is the start of your vacation. You can make it painful or painless. It is all up to you. Choosing And Using Credit Cards What are all the terms in all of those pre-approved credit card offers I keep receiving? Choosing Your Credit Card Based On APR The first step in choosing a credit card is thinking about how you will use it. Collection Agencies And Your Rights What are the rules and regulations governing collection agencies? Commit A Crime In Thailand? Don’t Even Think About It Before going to Thailand, make sure you study the law or you may be in for a big shock. Common Sense Travel Tips Flying is a routine activity for millions of Americans, and raises no health considerations for the great majority of them. However, there are certain things you can do to ensure that your flight is as comfortable as possible. Comparing Credit Cards and Choosing the Card for You All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks. Compulsive Gambling Behaviors Observable in the Workplace Do you know how to tell if one of your co-workers may be a compulsive gambler? Controlled Chaos In A Thai Mega Store Will the Thai's ever learn to shop in a mall? Credit - You Have The Right To... Know your rights - your credit rights. There are laws to protect you - but - you have to know the law. Credit and Divorce How does getting divorced affect your credit? Who is responsible for the credit card bills? Credit Card Claims and Defenses Sometimes you have a dispute over goods or services that were defective or not delivered. Credit Card Debt And Security Risks An individual who is financially overextended is at risk of engaging in illegal acts to generate funds. Credit Card Disputes And Billing Errors State and federal laws give you the right to dispute credit card billing errors and have them corrected. This article explains how to handle billing disputes with your credit card company. Credit Card Questions And Answers When choosing a credit card you should ask yourself some questions. Credit Card Rates And APR's Do you know how much you are really paying in credit card interest? Credit Card Reports Questions And Answers If you plan to get a credit card or if you already have a credit card, you need to know the law. Credit Card Words to the Wise If you are considering getting a credit card, here are some words to the wise to keep you out of trouble. Credit Cards And Scams The bad guys are always coming up with new ways to part you from your hard earned money. Credit Insurance: Is It Right for You? The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Should you get credit insurance or can you live with it? Only you can answer that question. Credit Repair Companies Provide No Cure for Your Credit Ails Can credit repair companies really fix your credit seemingly overnight? Credit Repair Scam Tips Things to think about before you hire a credit counseling/repair company: Credit Repair Scams: The Warning Signs I am sure that you have seen the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims: Credit Repair: Don't Get Scammed Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix. Credit Report Questions and Answers What is a credit report (also known as a credit file or profile)? Credit Reporting And Your Bottom Line How do credit reports affect your bottom line and what can you do to improve your credit score? Currency Conversion in Thailand Going to a foreign country means you will need to change some of your country's currency to Thai Baht. Dealing With Debt Credit card debt can be an extreme burden but you can dig yourself out of debt. Dealing with Debt – There Are Solutions Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? Debit and Credit Card Blocking Have you ever been told you were over your credit card limit, or had your debit card declined, even though you knew you had available credit or money in your bank account? If this happened shortly after you stayed in a hotel or rented a car, the problem could have been card "blocking." Debt Collection And The Law \| Know Your Rights Are creditors hassling you at all hours of the day and night? Is this legal? Debt Money and Happiness Money doesn’t create happiness, but the lack of money, or excessive debt, can destroy it Debt Relief Promises May Really Be Offering Bankruptcy Can I really repair my credit? You can, if you have patience and persistence and watch out for the scam artists. Defensive Flying: Tips You Can Use Most airline trips are boring and uneventful. However, you can take steps to reduce even further your chances of encountering problems. Here is some advice for "defensive flying." Did I Forget To Pack Anything? On your way to the airport there always seems to a gnawing feeling that you forgot to pack something for your trip. Dining In Pattaya Thailand If you are going to Pattaya for the first time, you may be wondering where to go to eat your meals. Divorce and Credit–Are You Liable? Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards. Do I Need to Speak Thai in Thailand? Speaking the language of the country you are going is a definite advantage but it is not really necessary. Do We Really Live In An Electronic Age? Transferring funds from one pension plan to another is hardly electronic. Do You Have Healthy Credit? Have you ever wondered about credit reports, credit scores and how to protect your personal information? Do You have Negative Credit Information in Your Credit Report? Your credit report may contain incorrect or negative information about you. Check yours today for free and get it corrected. Do You Have To Declare Gifts You Bring Back From A Foreign Country? Buying souvenirs for yourself, family and friends when you travel can be costly. Do You Know How to Apply for a Passport by Mail? If you have time before you travel overseas, you can apply for your passport by mail. Do You Know How To Complain About Your Flight? Did your flight take off late? Was the food terrible? Was your suitcase lost? Do You Know How To Get the Best Air Fares? There is a wide variety of air fares available to travelers. This fact sheet will help you choose the one that's best for you.
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