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Wednesday
Aug012007

Credit Score Confusion: What You Need To Know

Image

Al Sunshine
Reporting

(CBS4) MIAMI Your credit score may be one of the most important numbers to know, but a new survey reveals an alarming lack of understanding among consumers about their scores and what you don’t understand could cost you more than you think.
The report from the Consumer Federation of America points out the pitfalls to watch out for when obtaining and using your credit score, which is not the same thing as a credit report, but does reflect your credit worthiness.
The survey from the Consumer Federation of America found only one quarter of Americans know what a good credit score is and most people don’t even know their score.
Not knowing your credit score could cost you.
“You may be denied utility service, may even be denied a job. You’re looking at potentially paying tens of thousands of dollars a year unnecessarily in interest charges,” said Stephen Brobeck from the Consumer Federation of America.
So what is a good credit score? It’s anything above 700. Anything below 600 means you pay higher finance charges on items like a house, a car and even your credit cards.
What lowers your score? Late payments. In fact, just one late auto payment could lower your credit score by as much as 100 points. Other factors include too much open credit and even your credit card balance.
“Don’t go over 50 percent of your credit line on any credit card,” says Brobeck.
But by making a few changes in your spending and bill paying habits, experts say you can raise your score and potentially save thousands of dollars.
You can also obtain a free credit report once a year, but a credit score from one of the three credit reporting agencies will cost about $15.00.
Click Here to get a free credit report.

cbs4.com - Credit Score Confusion: What You Need To Know

Monday
Jul302007

WebMD Symptom Checker

Hypochondriacs rejoice!  WebMD’s Symptom Checker analyzes your symptoms and suggests what might be the cause. Once you’ve narrowed down your symptoms you can view more details about the potential culprit, including its causes and treatment.
http://symptoms.webmd.com/symptomchecker

Symptom Checker

Friday
Jul272007

Miami Spice Kicks Off Next Week

Miami Spice Website: http://www.miamirestaurantmonth.com/

List of participating restaurants: http://www.miamirestaurantmonth.com/participants.htm

From the New Times:

The sixth annual Miami Spice restaurant promotion deal kicks in on August 1st and continues through September. This season brings more than eighty participants, each of which will be offering special three-course prixe fixe lunch menus for $22, dinners for $35. Be discriminating with your selections — my guess is that $35 will represent more of a bargain at David Bouley Evolution than at the moderately priced Oriente at Cardozo. Two other tips: Call in advance to see what kind of menu is being offered. Some high-end establishments put out a choice of salmon, chicken breast, or pasta as the entrees, or other dishes that don’t utilize the lofty ingredients of the regular bill of fare. Others are surprisingly generous. And expect to pay more than the advertised set price — beverages, wine, coffee, tax, and tip are not included.

That said, there are plenty of bargains to be found. These would be some of my picks, not based on their Spice menu (call!), but on their reputation as fine restaurants that for many might normally be a bit pricey to try:

Acqua at the Four Seasons; either Chispa; Azul at the Mandarin; Chef Allen’s; David Bouley Evolution; Doraku Sushi; Emeril’s; Escopazzo; Karu & Y; La Cofradia; La Marea at The Tides; Michael’s Genuine Food & Drink; North One 10; OLA at The Sanctuary; Ortanique on the Mile; Palme d’Or; Pascal’s on Ponce; Prime Blue Grill; Social Miami; SushiSamba Dromo; Table 8; Talula Restaurant; The Grill at the Setai; The Lido at The Standard; The Oceanaire Seafood Room; Timó Restaurant; Tuscan Steak; and Wish.

For a start, anyway. —Lee Klein

Miami Spice Kicks Off Next Week

Wednesday
Jul252007

Where to find public records online

 

Lifehacker: Where to find public records online

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You can use the web to find lots of things: information, videos, books, music, games, and yes, even public records. While our most private information can (usually) not be found online, you can track down items like birth certificates, marriage and divorce information, obituaries and licenses on the web. Keep reading to learn where to find public records online.

A brief note

All of the following web sites and methods of discovery are absolutely free, unless stated otherwise. There are many sites out there that advertise themselves as being free, but charge for their services - and they are not providing anything that you can't find yourself. If you do end up having to pay for something, it will most likely be at a physical location (i.e., a courthouse) in order to procure a copy of a particular public record.

Google

You can use Google to find a lot of preliminary information about someone. Simply Google their name - "Betsy Wetsy" - and you can start a good trail. If you know what clubs, workplaces, interests, etc. that the person is affiliated with, you can make this search a little bit more productive. You can also use the Google Phonebook to find both addresses and phone numbers (if they're listed); rp 555-121-1234 for residential listings, bp 555-121-1234 for business listings.

Zabasearch

Controversial search engine Zabasearch gives some people the heebie-jeebies; however, Zabasearch ONLY returns results from what is already publicly accessible on the web (just all in one place). For instance, Zabasearch returned my last two known addresses complete with phone numbers along with a Google search for my name. For anything more substantial than that, I was asked to pony up some money for Intelius, a well-known pay-for-play investigative service. No, thanks. Zabasearch is great for finding names, addresses, and phone numbers (and sometimes birth dates) quickly and easily.

Vital records

Here are the best vital records mega-sites for starting a vital records search:

Phone books

If you're looking for something other than an unlisted or cell phone number (yeah, sorry), you can find it online using these directories:

Licenses

Need to find a professional license for someone? No problem:

Obituaries

You can use the web to find an obituary:

  • Legacy.com obituaries: Type in the last name and you'll get a list of newspaper obits along with records from the Social Security Death Index.
  • Social Security Death Index: Type in as much info as you know for better results; a very good tool.
  • Death Indexes: A very extensive state by state (and county) list of death records, death certificate indexes, etc.
  • Cyndi's List: Superb list of death and obit sites; ranges from general indexes to locale-specific.
Criminal

Criminal records are somewhat easy to track, though it varies by state.

  • FBI Most Wanted: Includes alerts, featured fugitives, etc.
  • Sexual Offendors: state by state list of sexual predators and where they live.
  • Federal Bureau of Prisons Inmate Locator: Needs the first and last name in order to work; returns vital stats.
  • You can also search prison by prison simply by Googling your state+"department of corrections", or your state + "death row", etc.
Miscellany

There are so many more great sites for public records. Here are a few more of my favorites:

Technophilia: Where to find public records online - Lifehacker

Friday
Jul202007

Goodreads

Site of the Week: Goodreads
If you’re a big reader looking for an active, like-minded community, you owe it to yourself to check out Goodreads.

By Lisa Ruefenacht

Click here to visit Goodreads.com
There is, at times, a smell that pervades the air when certain people talk about literature. Maybe it’s the reek of mildewed pages, or wine and cheese gone stale from having sat for too long at a book-club meeting. Perhaps the pretentious literati can’t smell it because they’re too involved in the literature. Luckily, Goodreads contains neither smells nor a haughty forum for criticism. It is, instead, a simple yet fun site for readers to share their reading experiences with their online friends.

Like LibraryThing, Goodreads lets you catalogue your entire book collection in your personal profile. The site is powered by both Amazon’s and its own database, so the book catalog is thorough. You might not find the exact edition you have, but you’ll at least find the same title. Goodreads shows the book covers (as LibraryThing does), which may aid your search.

Goodreads differentiates itself from LibraryThing in that instead of passively receiving book recommendations and reviews from Amazon’s prescribed lists, users rate and write reviews of each book they post on their “read” shelves. The freshest reviews appear on each user’s profile page, but you can always find older reviews by browsing their “bookshelves”. Goodreads centers on users’ original reviews and recommendations. This means it’s best if your Goodreads friends have good taste—or if their bad taste matches your own.

A nice feature of the site is that wherever you find a book listing (on a friend’s list, a browse list, and so on), you are invited to assign it a star rating as well as to add it to your own booklist.

Goodreads also implements widget technology: If you want to post your reading habits on your HTML-compatible social-networking profile or blog, you can use a tidy little widget to redirect people to your Goodreads profile. This way, even if you’re not interested in devoting time to building your friend base on Goodreads, you can still use the site to keep people up to date on your latest literary endeavors. Upon registration, Goodreads invites you to sign up to receive e-mail updates when your friends post reviews.

The site includes a section devoted entirely to users’ writing, which brings a workshop feel to its aesthetic. You can upload short stories or full chapter books. Goodreads also highlights certain users each month, mostly established authors, so you can see what they’re reading. I hadn’t heard of most of the authors, but there’s a “Top Authors” section you can click on that includes popular writers such as J.K Rowling and Stephen King. (They don’t personally update their profiles, though.)

The application is clean—so clean it looks a little bare-bones. But Goodreads offers numerous ways to approach your reading. You can arrange your books by author, title, publication date, rating, or when you read the book. You can view your books by cover, in list format, or by shelf.

An annoyance is that Goodreads allows only full star ratings. Adding half stars would be a simple fix and a big improvement, in my opinion.

One useful feature that isn’t on Goodreads is a loan-out list. On LibraryThing you can show which users are borrowing which books and who’s next in line to borrow each book. This feature is invaluable for people with decent-sized collections, which seems to be true of many of LibraryThing’s users. It is primarily for keeping track of books you’ve loaned to real-world friends, not to the virtual friends you’ve made through the service. Goodreads has nothing like this.

Goodreads focuses more on user ratings than it does on cataloguing and formatting. If you’re looking more for a way to keep your endless collection organized, LibraryThing is probably a better fit. If you’re looking mainly for people-generated (versus database-driven) recommendations, then Goodreads is for you.

Site of the Week: Goodreads: Full Review - Review by PC Magazine