Thoughts on Life, Love and Loss

July 30, 2007

Stop Collection Agency Harassment!

Filed under: FDCPA, Federal Trade Commission, bill collectors, collection agency harassment — lovesleftovers @ 8:13 pm

final-notice.jpg  Many people think that because they are overdue on credit card payments they have to tolerate harassing phone calls from collection agencies. Not so, according to The Fair Debt Collection Practices Act (FDCPA), which was designed to protect consumers from unfair, abusive and deceptive treatment by debt collectors.

  You have the right to tell debt collectors you want them to cease all phone communication, but this must be done in writing. It’s also a good idea to send your request via registered mail so you have proof that it has been received. They can, however, continue to send you written demands for payment.

  You do not have to speak with a debt collector. You certainly have every right to hang up. They cannot continue to repeatedly call you because this is considered harassment. They must call you between the hours of 8:00 am and 9:00 pm.

  Debt collectors cannot use any form of harassment such as using obscene language, continuous phone calls, use threats of violence or harm, falsely imply you’ve committed a crime or falsely  imply that they are attorneys or government employees.

  If you have any complaints about being harassed by a debt collector you can contact your state attorney general or local consumer protection agency. You can also send a copy of your complaint to the FTC at: The Federal Trade Commission, Washington, D.C. 20580. You can also contact the FTC at their toll-free number: 1-877-382-4357 or visit their website at www.ftc.gov.

***This post and all others (including new posts not published here) can be read on my new blogging website: http://www.mylovesleftovers.com thanks for checking it out!

Late Fees…Big profits for Bank Credit Card Companies.

Filed under: bank late fees, banks, credit cards — lovesleftovers @ 6:15 pm

money-grabbers.jpg  Since 1996 late fee revenue generated to bank card companies has increased from $1.7 billion to a whopping $7.3 billion dollars. In fact, credit card companies are making most of their profits from late fees than ever before. And as if there weren’t enough for these banking giants, many companies have increased their late fee from $29.00 to $35.00.  This is in comparison to a much lower late fee rate of just over $13.00 in 1996.  Most consumers are getting hit with these outrageous late fees because credit card companies have reduced their grace period from 29.7 days to 21.2 days.

  What can a consumer do to avoid a late fee?

-The first step is to simply call the credit card company and asked to have it waived. Most companies will waive one late fee per year. Companies want to keep your business, but you often have to be insistent.

-Make sure you allow at least five days for your payment to reach the credit card company. There’s nothing more frustrating that getting slapped with a $35.00 late fee for being one day late.

-Try just making the minimum payment when you first receive the bill. Then you can pay a higher amount closer to the due date if you are in a financial position to do so.

-Pay online. Many credit card companies will post your payment the very same day you make the payment (usually provided you pay before 3:00 pm).

July 29, 2007

The Truth About the Pentagram

Filed under: ancient symbols, pentagram, wicca — lovesleftovers @ 12:20 am

The PentagramContrary  to popular belief, the Pentagram does not symbolize satanism. The pentagram resembles a human figure with spirit being the most imporant. It is a symbol of protection, and the points of the enclosed star are symbolic of the elements.

  • Spiritrepresents the All and the Divine. (top point)
  • Airrepresents intelligence and the arts. (left point)
  • Earthrepresents stability and physical endurance. (bottom left point)
  • Firerepresents courage and daring. (bottom right point)
  • Waterrepresents emotions and intuition(right point).
  • The circle around the star symbolizes the unity of all the points.
  • The Pentagram dates back as far as 3500BC and was a common symbol once used by many different organizations and religions, including Christians, Hebrew, Freemasonry and The Knights Templar.
  • July 27, 2007

    Let’s Not Go To The Zoo…

    Filed under: Animal Rights, Zoo — lovesleftovers @ 9:21 pm

    elephant-baby-and-mother.jpg  When I was in grade school, our teacher, Mrs. Morris, loved taking our class on outings.  She took us to the Brooklyn Zoo and the Bronx Zoo many times. We were all in awe of the exotic and not so exotic animals inside the cages. They seemed comical and entertaining at the time. But I also remember once going to the Bronx Zoo and watching an elephant all alone in a cage. He paced back and forth continually and raised his trunk every now and then. At first I thought it was just something elephants did, but I overheard an adult say that the elephant had become “neurotic” from being held in captivity. At the age of ten I had no idea what neurotic meant so I asked my Dad later that night. He told me that it meant more or less being very upset. I felt sorry for this poor animal. Obviously he was unhappy to be caged up. Maybe he had a family somewhere. Maybe it was a female and she missed her children. These were some of the things my ten year old brain and heart could relate to. That was the very last time I went to a zoo. In fact, Mrs. Morris scheduled one last outing to the Bronx Zoo at the end of the school year and I pretended to be sick so I didn’t have to go.

      My point is this: Should animals be taken out of their natural environment purely for the entertainment of humans? Should they be forced to live behind bars never to be able to fly, swim, run, hunt, climb, scavenge, forage, explore, and select partners again?

      Let’s suppose some higher, supposedly more intelligent beings decided that humans are a hot commodity and a lot of money could be made by putting them in cages and charging other higher beings to come and watch their crazy little antics. Human babies would then be whisked away from their mother’s arms because, as everyone knows, babies are cute, adorable and have the potential to make even more money than do adults held in captivity. Now think about never being able to run, swim, play or mate? Humans would become physically and mentally frustrated. They’d resort to abnormal and neurotic behavior such as swaying, pacing, bar-biting and self-mutilation because this is exactly how animals in captivity react. Now, I don’t mean to get all “Planet of the Apes” here, but you can see my point.

    Consider this excerpt from a recent article I found on Peta.org:

    “Even big zoos with fancy names and a high degree of popularity, such as the San Diego Wild Animal Park, engage in unscrupulous practices, such as dumping unwanted “surplus” animals and taking animals from the wild. Proponents of zoos like to claim that zoos protect species from extinction—seemingly a noble goal. However, wild-animal parks and zoos almost always favor large and charismatic animals who draw crowds and neglect less popular, but still needy, species. Most animals in zoos are not endangered, and while confining animals to zoos keeps them alive, it does nothing to protect wild populations. Returning captive-bred animals to the wild is, in most cases, impossible because animals reared in zoos are denied the opportunity to learn survival skills, may carry diseases picked up from other animals at the zoo or even from people, and often have no natural habitat left to return to because of human encroachment. Breeding programs simply provide cute baby animals to attract zoo patrons and generate revenue, creating a surplus of unwanted adult animals. As a result, zoos often find themselves extremely crowded, and older animals may be “warehoused” or shuffled off to shabby roadside zoos or auctions.”

    “According to a 2004 report by the World Conservation Union, the world’s biodiversity is declining at an unprecedented rate primarily because of human activities that cause destruction of habitat; exploiting animals for food, the pet trade, and medicine; pollution; and climate change. Captive breeding does nothing to address these serious problems that currently put more than 15,000 species in jeopardy of extinction. In fact, the many millions of dollars that zoos regularly squander—on redesigning enclosures that do little to nothing to improve animal welfare, erecting statues and amusement rides, and building gift shops and concession stands—would be much better spent on habitat preservation projects.”

    “Warehousing animals is not the way to save them from extinction. Their salvation lies in protecting habitats, not in life imprisonment in zoos. Instead of patronizing zoos, help animals by supporting organizations that work to protect captive animals from exploitation and to preserve habitats. “

      So what can we do to show our dissaproval of the mistreatment of zoo animals? Peta suggests these:

    - Never patronize zoos. The money spent on ticket purchases pays for animals to be  imprisoned and traded, not rescued and rehabilitated.

    -If your local zoo solicits money from corporate donors and/or charitable organizations and foundations, write to the zoo’s sponsors and encourage them to instead put their money toward protecting animals in the wild.

    -Zoos are covered by the federal Animal Welfare Act (AWA), which sets minimal housing and maintenance standards for captive animals. The AWA requires that all animal displays be licensed with the U.S. Department of Agriculture, which must inspect zoos once a year. However, some zoos that have passed USDA inspections with flying colors have later been found by humane groups to have numerous violations. Read Beyond the Bars, edited by Virginia McKenna, Will Travers, and Jonathan Wray, for more information.

    -Encourage your local zoo to stop breeding animals, to pledge never to accept any animals captured from the wild, and to make space available for rescued exotic animals in need of a permanent home. Report poor conditions to the USDA, leaflet at the zoo, write letters to the editor, and pressure local officials to stop subsidizing zoos with taxpayer money.

    July 22, 2007

    IPod causes hearing loss?

    Filed under: Apple Corp., Hearing Loss, IPod, Uncategorized — lovesleftovers @ 1:16 am

    ipods.jpgStaying physically fit is difficult with a busy schedule, so I walk 3 miles everyday. Good for my health right? What could be easier and cheaper? Plus, I can spy on my neighbors as I go. So I crank up my IPod to listen to my favorite heavy metal music, put in my earbuds and away I go. All’s going great until about 3 weeks into my daily walking ritual. One morning I get up and have a funny ringing, stuffed-up-ears kinda thing going on. The best way to describe it is after you’re at a loud rock concert and your ears feel weird for almost a day afterward. Ear infection? sinus infection? Ear wax? Brain tumor? IPod listening? Eureka! After a doctor’s visit I’ve found that yes, listening to my IPod at higher than what’s deemed as safe decibels was causing actual hearing loss.

    While I’m not suggesting that only listening to an IPod can cause hearing loss, other listening devices have the ability to cause noise induced hearing loss as well. The added factor when listening to an IPod is you do so with earbuds which go directly into the ear; unlike traditional headphones. But consider the fact that The Occupational Health and Safety Administration recommends 85 decibels as a safe listening level for up to eight hours, but the IPod can go as high as 130 decibels. Compare that to a 747 taking off which reaches 120 decibels and that puts it in better perspective. Experts state that listening to music at 110 decibels for just fifteen minutes can cause hearing loss.

    Just this past January, a man in Lousiana started a class action suit against Apple, claiming that the IPod can cause hearing loss. Unfortunately, many people are consciously exposing themselves to loud volumes, most unaware of the permanent harm that can occur. And no maker of a personal listening devise is going to tell you this.

    So, what’s a music lover/power walker to do? Ditch the listening devises altogether? Stop walking? Nah. Well, for starters you turn down the IPod. Simple enough. You could also  try one of those new safe volume earbuds. It’s a set of earbuds that automatically limits the maximum volume to a safe level (80 decibels, no matter how loud the original file is or how high the volume is turned up). How clever is that?  A company called iHearSafe ( http://ingemicorp.com/ihearsafe.html ) sells a pair for just $19.99. A small price to pay to protect your hearing. And, no, I don’t own stock in this company. I just want to help prevent noise induced hearing loss in my own small way.

    So now I walk with my IPod turned a lot lower. I’m ordering my HearSafe earbuds. Although my hearing loss is permanent, at least now I know the facts and can prevent further damage.

    ***This post and all others (including new posts not published here) can be read on my new blogging website: http://www.mylovesleftovers.com thanks for checking it out!

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