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Automotive: autopedia.com - (automotive-related information) www.autosafety.org - (general info on auto lemons) www.carsdirect.com - (buying new cars over the Internet) www.intellichoice.com - (auto buying info) www.edmunds.com - (car values) www.kbb.com - (Kelley blue book, car values www.carfaxreport.com - (to find out if a car was wrecked) www.wreckcheck.com - (safety and repairs report) www.state.ga.us/gaoca - (lemon law info) www.nhtsa.dot.gov/ - (National Highway Traffic Safety Adminstration) www.recalls.org - (auto recalls) www.alldata.com - (Auto Service Bulletin) www.nhtsa.gov/airbags/weblist.html - (airbag removal) www.hwysafety.org - (for safest autos on road) www.ftc.gov/ - (for info on suing auto manufacturers for lemons) www.insweb.com - (Auto Insurance comparisons) www.ganet.org/dps - (drivers license questions) www.cleanairforce.com - (emissions) www.carsdirect.com - (car buying) www.autobyteldirect.com - (car buying) www.carfax.com - (car history) www.nada.com - (official used car guide company) www.leaseguide.com - (advice & info on leasing a car) www.epa.gov - (US Environmental Protection Agency - Green Vehicle Guide)

Banks & Banking: www.ganet.org/services/dbf - (list of regulated institutions) www.mbag.org - (Mortgage Bankers Association) www.fdic.gov - (Federal Deposit Insurance consumer news) www.ots.treas.gov - (Office of Thrift Supervision, savings bank info) www.ustreas.gov - (fund value of savings and bonds) www.savingsbonds.gov - (buying bonds on line) www.ncua.gov - (National Credit Union Administration) www.cuna.org - (Credit Union National Association)

Businesses & Franchises: www.score.org - (Service Corps of Retired Executives) www.score.org - small business counseling

Charities & Fundraising: www.give.org - (to find charities that accept donations like autos) www.guidestar.org - (tax returns of charities) www.bbb.org - (to find legitimate local charities) www.salvationarmy.org - donation valuation guide for tax deductions

Computers/Internet: www.hotmail.com - free email www.juno.com - free email www.namezero.com - free and discounted web domain address www.networksolutions.com - web domain search www.dslreports.com - fast internet access www.direcpc.com - fast internet access www.cable-modem.net - cable modem www.freedsl.com - free dsl www.ifccfbi.gov - Internet Fraud Complaint Center www.freebytes.org - donate old computers

Credit reports & agencies: www.experian.com - to get copy of your credit report from Experian www.tuc.com/ - (to get copy of your credit report from Trans Union) www.equifax.com/ - (to get copy of your credit report from Equifax) www.privacyrights.org - (about privacy of your credit information) www.fairisaac.com - (credit score information) www.zdnet.com - (click on PayEmOff for info on paying off debt) www.cuna.org - (Credit Union National Association) www.ftc.gov - (Fair Debt Collection Practices Act)

Credit cards: www.cardtrak.com - (best deals on credit cards) www.cardweb.com - (best deals on credit cards) www.ramresearch.com - (best deals on credit cards)

Credit counseling services: http://www.nfcc.org - (national consumer credit counseling)

Consumer fraud: www.ftc.gov - (consumer fraud, misleading advertising) www.privacyrights.org - (privacy rights clearing house www.consumer.gov - (Identity Theft and Assumption Deterrence Act)

Day care: www.careguide.com - (to find day care centers and help) www.nsaca.org - (represents after school care providers, not consumers)

Divorce & Child support: www.acf.dhhs.gov - (child support enforcement)


Education & student loans: www.ed.gov/directloan - (refinance student loans) www.loanconsolidation.ed.gov -(refinance student loans) www.finaid.com - (financial aid for college) www.collegeboard.org - (info on schools) www.fastweb.com - (scholarships, loans, college costs) www.collegesavings.org - (prepaid college costs) www.savingforcollege.com - (college saving) www.degree.net - (distance learning) http://www.collegeispossible.org/ - (financial aids)

Elderly & aging www.aarp.org - (free newsletter on sweepstakes) www.careguide.com - (for senior day care, senior centers, nursing homes,etc) www.score.org - (Service Corps of Retired Executives) www.caremanager.org - (Nat'l Assoc of Professional Geriatric Care Managers) www.nahc.org - (Nat'l Assoc for Home Care ) www.aahsa.org - (American Assoc of Homes and Services for the Aging) www.medicare.gov - (Medicare Nursing Home Comparisons) www.aoa.dhhs.gov - (Administration on Aging, Long Term Care Ombudsman) www.ltcibuyersadvocate.com - (long term care insurance buyers advocate)

Government - www.ganet.org/services/corp/corpsearch.shtml - (find county of any company for suing) www.unclaimed.org - (unclaimed property - all states) www.missingmoney.com - (unclaimed monies) www.ezgov.com - (anything about government)

Government -: www.cpsc.gov - (product safety commission) http://www.cpsc.gov/ - (highway traffic safety administration) www.pueblo.gsa.gov - (government printing office - consumer info pamphlets) www.ssa.gov/pebes - (Social Security benefits & earnings statements) www.ezgov.com - (anything about government) www.unclaimed.org - ( Unclaimed Property) www.missingmoney.com - (for unclaimed monies) www.hud.gov - (HUD or FHA loan refunds)

Homes, inspections and remodeling: www.cpsc.gov - (consumer product safety commission) www.recalls.org - (info on recalls) www.iicrc.org - (inspection certification) www.homeinspectors.org - (American Society of Home Inspectors) www.nahb.com - (National Association of Home Builders) www.remodel.com - (Remodel and Maintain) www.nari.org - (National Association of the Remodeling Industry) www.nkba.org - (National Kitchen and Bath Association)

Home improvements & Repairs: www.masoniteclaims.com - (Masonite siding claims) www.nadca.com - (duct cleaning info) www.pbpipe.com - (plumbing recover center - blue pipe) www.recalls.org - (recalls) www.spencerclass.com - (Spencer settlement) www.nrca.net - (National Roofing) http://www.agr.state.ga.us - (termite info) www.gpca.org - (list of termite companies)

Insurance: www.ambest.com - (insurance ratings) http://www.standardandpoors.com - (insurance ratings) www.insure.com - (insurance info) www.directquote.com - (insurance quotes) www.quotesmith.com - (insurance quotes) www.quickquote.com - (insurance quotes) www.bestquote.com - (insurance quotes) www.insweb.com - (insurance quotes) www.ihps.org - (health insurance leads) www.ehealthinsurance.com - (health insurance) www.ltcibuyersadvocate.com - (long term care insurance buyers advocate) www.iiaa.org -(independent insurance agents of america)


Investing: Brokers & Financial planning: www.calcbuilder.com - (financial calculator) www.nasdaq.com - (info about stocks on Nasdaq) www.nasdr.com/1000.asp - (disciplinary history of registered brokers) www.nasaa.org - (broker information) www.rothira.com -(Roth IRA) www.ragingbull.com - (message boards for investors) www.sec.gov - (SEC site) www.smartmoney.com - (best & worst online brokers) www.vanguard.com - (broker) www.better-investing.org - (National Association of Investors Corporation)

Investing: Stocks, bonds, mutual funds, IRAs: www.bankrate.com - (CD rates) www.betterinvesting.org/regions/atlanta.html - (NAIC site) www.fidelity.com - (annuity info) www.fool.com - (Motley Fools site) www.fundalarm.com - (Links to dozens of other investment sites) www.hoovers.com - (Hoover) www.imoneynet.com (money markets, CD's, loan rates,etc) www.investorama.com - (NAIC site) www.morningstar.com - (Mutual fund information) www.netstockdirect.com - (Buy stocks direct from companies) www.pbgc.gov - (forgotten pension money) www.savingsbonds.gov - (Buy savings bonds online) www.schwab.com - (annuity info) www.retirement-information.com -(self employed IRA) www.sfnb.com - (CD rates) www.strong-funds.com - (Strong funds) www.troweprice.com - (annuity info) www.vanguard.com - (annuity info) www.thinkglink.com (Ilyce Glink's site) TIAA-CREF www.mfea.com - (info about mutual funds and other investments) www.better-investing.com - (Investment education for individuals and clubs)

Landlords, tenants & commerical leases: www.dca.state.ga.us - (landlord tenant handbook) www.cybersettle.com - (online mediation)

Legal: www.nolo.com - (wills and estate planning) www.notice.com/classactions - (class action suits) www.freeadvice.com -(legal advice) www.lawguru.com -(legal advice) www.findlaw.com - (legal advice)

Medical: www.sos.state.ga.us/ebd-medical/medsearch.htm - (board of medical examiners) www.hcfa.gov - (medicare) www.healthmarket.com - (evaluate doctors and find prices) www.iiaa.org - (medical savings accounts) www.personalmd.com - (life saving medical info) www.nih.gov - (National Institutes of Health) www.themedicineprogram.com/info.html - (The Medicine Program - affordable drugs) www.phrma.org/publications/ - (PHRMA Public Affairs Division - affordable drugs)

Missing persons: www.anywho.com - (find CEO info) www.555-1212.com - (people locator) www.bigfoot.com -(people locator) www.four11.com - (people locator) www.iaf.net - (address finder) www.infospace.com - (people locator) www.switchboard.com - (people locator) www.whitepages.com - (people locator) www.whowhere.com - (people locator)

Moving: www.moving.org - (American moving & Storage Association) www.psc.state.ga.us - (for licensed and unlicensed movers)

Real Estate & Timeshares: www.homefair.com - (relocation info on cities) www.homegain.com - (check home prices, schools, etc.) www.owners.com - (Search for a home) www.nearmyhome.com - (Search for a home) www.econobroker.com (discount real estate services, MLS listings, realtor referrals) www.ziprealty.com - (home sellers, home buyers)
Recalls: www.cpsc.gov/ - (consumer product safety commission) www.recalls.org -(recall info)

Taxes: www.taxplanet.com - Education IRAs, filing, new tax laws www.turbotax.com - (tax prep software) www.salvationarmy.org - (donation valuation guide for tax ductions)

Telemarketing: www.aarp.org - (elder fraud) www.fraud.org - (to check on telemarketers) www.ftc.gov - (federal trade commission) www.junkbusters.com - (to get off telemarketing lists) www.usdoj.gov - (department of justice) www.usps.gov - (postal fraud) www.verio.com - (get off call list)

Telephones: www.callatn.com - (American Telecom Network, long distance) http://www.evoice.com - (free voice mail in home) www.ftc.gov - (federal trade commission, fraud info center) www.ureach.com - (free voice mail) www.onebox.com - (free voice mail) www.telebot.com - - (free voice mail) www.consumer-action.org - (shop for long distance rates) www.point.com - (shop for wireless rates) www.nclnet.org/phonebill/index.html - (Understanding your phone bill) www.getconnected.com - (compare wireless phone plans) www.letstalk.com - (compare wireless phone plans) www.myrateplan.com - (Compare wireless phone plans) http://www.cellmania.com/ - (compare wireless phone plans)
Travel: www.travel.state.gov/get_forms.html - (passport questions) www.bestfares.com - (airfares) www.expedia.com - (airfares) http://www.cheaptickets.com www.travelocity.com - (airfares) www.onetravel.com - (air travelers' rights) www.passengerrights.com - (air travelers' rights) www.dot.gov/airconsumer - (DOT aviation consumer protection) www.800helpfla.com - (for Florida travel problems) www.astanet.com - (American society of travel agents) www.1travel.com - (bargin travel)
Unclaimed money: www.unclaimed.org - (Georgia Division of Unclaimed Property) www.missingmoney.com - (for unclaimed monies) www.hud.gov - (HUD or FHA loan refunds)

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Rate Prediction

The Fed finally stopped raising rates on August 8th 2006 (Prime is now 8.25%) and is hoping that inflation may now be under control. The Fed has left interest rates alone for six consecutive meetings after raising them 17 times from June 2004 to June 2006. Most experts think FED rates will remain essentially the same. Mortgage rates may go UP 1/2 % before year end, but remain historically low.

Foreclosures up 200%; more in California

The state of California’s foreclosure rate is up 800 percent compared to a year ago, according to the LA Times. And, that’s only the average. In Ventura County, for instance, foreclosures are up 1,100%; Riverside County is up 900%; Orange County, LA and many southern California areas are up 700%. The rest of the country is not as bad, but foreclosures have increased tremendous amounts compared to past years. The foreclosure rate throughout the country is up 200 percent. Many of these homes were speculative buys, especially in Nevada, Arizona, California and Florida. No one ever intended to live in these places. They were just hoping to flip them for more money. What if you’re not a spec buyer? You own your house and you can’t make payments. FREDDIE MAC announced last week it will provide 20 BILLION to help people refinance. Washington Mutual is setting aside 2 Billion also. But, for the most part, your lender wants to work with you. They may offer you a 40-year loan instead of 30-year loan to help you keep your home. It will reduce your payment about 5 percent, which isn’t much. But if you’ve called before and gotten the blow off, give it another try.

SOME GREAT INTERNET LINKS:::


• www.annualcreditreport.com - the only legitimate free credit report site
• prosper.com - borrow money for ANY REASON FROM OTHERS
• legalzoom.com - self-help on writing a will and other legal documents
• travel.state.gov - info on passports for cruises
• airfarewatchdog.com - Looks for BEST airfares from your home
• grandcentral.com - one number that rings all of your phones--GREAT FREE SERVICE
• metropcs.com - unlimited local calling
• vanguard.com - the best NO-LOAD investments in people's opinions
• cardweb.com - find a credit card for you
• stolenidsearch.com - find out if your SSN has been compromised
• charitywatch.org - help with donating to charity
• redbox.com - rent movies for a buck

• realtytrac.com - 7-day free trial
• homesales.gov - free government sales site
www.zillow.com --- Homes for sale and information
www.volition.com --- web site for free things and work at home ideas
www.iggyshouse.com ----- FREE listing of FSBOs
http://usatoday.jiwire.com/hotspot-hot-spot-directory-browse-by-location.htm ---FREE Wi-FI locations

Don't Switch quite yet

Microsoft just released its new “Vista” operating system and you’ve probably heard all about it. The company spent a fortune on public relations for Vista, so people think it’s something they must have. Don’t believe the hype. In fact, all of the techie types are warning against getting Vista now because of the bugs that must be worked out. There are flaws in the program that could expose you to identity theft and other problems in the short term. So, you want to give this system six months or a year. You want to get a new operating system when it already comes on a computer. If you got a free upgrade-- at least wait until March.


Update on passport rules & regs

If you have any interest in traveling across our borders in the next few years, the rules have changed again. For people who are flying to Canada, Mexico or the Caribbean, you must have a passport starting Jan. 23. You don't want to spend money on a trip and lose it because you've forgotten to get your passport. If you're wondering why this is happening, it’s because of the threat of terrorism around the world. The next phase in the new rules concerns auto travel and cruises, but that won't go into effect until January of 2008. But the bottom line is that changes are coming and you don’t want to wait until just before the deadlines to order your passport. Many more people travel by car, so the passport applications will be pouring in at that time.


Daylight savings time longer this year!

Winter is going to be a month shorter this year. Starting in 2007, daylight saving time is going to start the second week of March and end the first Sunday in November. It means we’ll get a month more of daylight each year we keep in place the Energy Policy Act of 2005. Alarmists are going a little nuts over the act, saying the change could disrupt time sensitive machines and systems such as ATMs. There may be some small interruptions, but it will be fine.

New Dollar Coins Enter Circulation This Week

A new version of the DOLLAR coin, paying tribute to American presidents, goes into general circulation Thursday. Even though doing away with the bill could save hundreds of millions of dollars each year in printing costs, there is no plan to scrap the dolar bill in favor of the more durable coin. Two recent efforts to promote wide usage of a dollar coin proved unsuccessful. A quarter-century ago, it showed feminist Susan B. Anthony on the front; then one in 2000 featuring Sacagawea, the Shoshone Indian who helped guide the Lewis and Clark expedition. The latest dollar coin will bear Washington's image, followed later this year by those of John Adams, Thomas Jefferson and James Madison. A different president will appear on the golden dollar coins every three months. The series of coins will depict four different presidents per year, in the order they served. Congress voted to create the new dollar coin, betting that this series would be more popular than its recent predecessors. The Susan B. Anthony dollar put the image of the women's rights activist on a small silver coin that looked a lot like a quarter. The U.S Mint was left with millions of unused coins. As for the Sacagawea dollar, gold in color, millions of the coins also piled up in bank vaults for the same reason: lack of demand.


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