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Clark Howard: Major Retailers Ripping You Off

I got the following in my email from Clark Howard e-zine:

RIP-OFF ALERT: We’ve gotten several calls from listeners complaining about being ripped off while checking out at many otherwise legitimate Internet selling sites.

Typically, our callers report seeing a message during checkout asking if they’d like to save X amount of dollars on their purchase. Clicking through on the message and agreeing secretly enrolls you in a subscription service that is billed to your credit card or debit account on a monthly basis. And there’s no real notification — other than some mice-type that’s too small to read.

The Wall Street Journal reports New York Attorney General Andrew M. Cuomo suspects 22 companies of being involved with this rip-off. Among the companies he’s subpoenaed are Staples, Barnes &Noble, Avon, GameStop, 1-800-Flowers and Orbitz, just to name a few.

No need, however, to wait and hear their side of the story. You know all you need: That supposed instant discount will cost you big-time. Cuomo alleges that three of these discount programs pulled in more than $1 billion annually.

The real question is how will trusted brands that take advantage of this suspect sales ploy gain their reputations back with customers??

You can read the full post here. The comments are really, really enlightening, I think. I had no idea that such reputable companies would do such STUPID things!

When checking out [at CVS], there is a ‘donate $1′ to some so called charity which is very difficult to say no and get this off my bill. If cvs wants to donate, don’t scam me and everyone else for all these dollars that add up to millions. It is quite a scam and has to be illegal. It is very difficult to remove this.

As you check out of VisionDirect, there is a checkbox already checked for coolsavings.com. i did not notice it and began getting charged a monthly fee immediately. I caught it five months later and contacted coolsavngs.com. They reimbursed me all except one month worth – I would have had to fill out some form. Just wanted to be done with the company. Complained to VisionDirect about this and to date no response. Will take my business to a competitor from now on, even if they charge a few dollars more.

In my case, the charges started to hit twice a month for around $33 (each) when I purchased an airline ticket from Travelocity.

I’ve been a victim of this for the past 7 months from freeshipping.com without knowing about it. My wife purchased flowers from Proflowers.com and was enrolled in this service, they make it seem like part of the checkout process so you have no idea what you are signing up for.

For a few pennies per customer, companies are ripping people off by allowing third-parties to scam customers. It’s just insane. Watch the fine print!

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Tax Credits for the Homebuyer

This is a Sponsored Post written by me on behalf of Coldwell Banker. All opinions are 100% mine.

Wow! I wish they’d had these tax credits available when I purchased my home. It’s a great time to be a home buyer– with the housing market in a slump, property prices are very low, and people and banks are eager to sell.

Coldwell Banker, that outstanding real estate company, has some information on the 2010 Homebuyer Tax Credits available to first-time and new home buyers. In a nutshell, here are the details:

  • If you are a first-time home buyer, or have not owned in the last three years, are eligible for an tax credit of up to $8,000.
  • If you own a home and have lived in the home as your principle residence for five out of the eight years you have owned your home, you can receive up to $6,500 in tax credit when purchasing a home.
  • There income limits and deadlines, so if you qualify, do not delay.

This video is good and has more information about the tax credits.

This is a great incentive to get the home market moving again. I love the Coldwell Banker website, too– I routine search for properties to keep tabs on property values in the country. You can search the website for home and property listings, too.

Be sure to definitely check this out to see if you qualify!

Visit my sponsor: 2010 Homebuyer Tax Credits

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Government Gmail Use: Is It Wise?

I saw this excellent article by Paul Strassman (writing a guest post for Larry Dignan) at ZDNet. I admit, though- I did not know that government officials– in this case, the Department of Defense– use Gmail for their government correspondence. Holy cow!

Federal Chief Information Officer Vivek Kundra has been a consistent advocate of increasing the government’s use of commercially available technologies, such as Gmail. In fact, as the District of Columbia’s chief technology officer, Kundra implemented Google Apps, including Gmail, for all District employees.

A number of Department of Defense (DoD) organizations are already using Gmail. Meanwhile, Google has made secure Gmail the default choice in light of the cyberattack the company detailed on Tuesday.

…Once you can wiretap, you can eventually figure out how to distinguish Gmail traffic from other traffic, and reverse engineer how Gmail data is replicated across servers.

There is no defense against a hostile party with full physical access to your server room. That is why Google’s only logical option is to withdraw all physical servers from China.

There are two Google data centers in China, almost surely co-hosted on shared facilities and not owned by Google. Similarly, there is a co-hosted facility in Russia. Unless a facility is owned and operated by Google it would be always suspect, and even then it would not qualify to operate DoD classified mail.

DoD should therefore not consider Gmail as a viable option because it cannot be trusted. Only a secure DoD Private Cloud, isolated from the Internet, can be seen as an acceptable option.

It’s a contentious issue- the comments on the post are filled with such incredulity as I express. And an update to the post was issued later today, when Google spokesman spoke out:

The premise of Mr. Strassman’s post is without merit: there’s no need to withdraw servers that store Gmail information from China because there aren’t any there.

I think Mr. Strassman’s post IS merited… because while Mr. Strassman does mention the recent cyberattack on Google’s Gmail as an impetus for moving DoD mail away from Gmail, the premise IS that the DoD, and truly all government offices, should have their own secure email system outside of the “cloud” maintained by global business. It’s just good sense. It blows my mind that the DoD has email with Gmail! Doesn’t the government have their own system?! It mirrors the same bafflement that I have regarding the SSL issues with online banking websites– their security is pitiable, whereas my photo-sharing account is tighter than a drum. Crazy!

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Batteries Made From Paper

This news isn’t going to please the tree-huggers…. the latest development to come down the pike in the insatiable thirst for energy is paper. Yes, paper! Scientists have been tinkering away, and have found that paper, when coated with ink made of silver and carbon nanomaterials, allow it to become a high-energy, highly-efficient source of stored energy. Such “paper battery” storage is said to contain more juice than the lithium-ion battery.

The same feature that helps ink adhere to paper allows it to hold onto the single-walled carbon nanotubes and silver nanowire films. Earlier research found that silicon nanowires could be used to make batteries 10 times as powerful as lithium-ion batteries now used to power devices such as laplop computers.

“Taking advantage of the mature paper technology, low cost, light and high-performance energy-storage are realized by using conductive paper as current collectors and electrodes,” the scientists said in research published in the Proceedings of the National Academy of Sciences.

This type of battery could be useful in powering electric or hybrid vehicles, would make electronics lighter weight and longer lasting, and might even lead someday to paper electronics, the scientists said. Battery weight and life have been an obstacle to commercial viability of electric-powered cars and trucks.

Unbelievably, there is speculation that this type of energy will be available for commercial use in the near future. What do you think about this?

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Microsoft Update Causes Black Screen for Some

Has your computer suddenly been getting a black screen? The latest Microsoft Windows Update may be to blame. Apparently, it’s affecting versions of XP, Vista, and Windows 7.

Microsoft’s latest round of security patches appears to be causing some PCs to seize up and display a black screen, rendering the computer useless.

The problem affects Microsoft products including Windows 7, Vista and XP operating systems, said Mel Morris , the CEO and CTO for the U.K. security company Prevx.

Prevx was alerted to the problem by users of its security software last week, Morris said. Microsoft apparently made changes to the Access Control List (ACL), a list of permissions for a logged-on user. The ACL interacts with registry keys, creating visible desktop features such as a sidebar.

However, the latest patches appear to make some changes to those registry keys. The effect is that some installed applications aren’t aware of the changes and don’t run properly, causing a black screen, Morris said.

Prevx has a fix that you can get from their site.

Updates are tricky, especially with the zillions of them that we get all the time, coupled with our own software programs, and then our own software/operating system changes. There’s been a huge push to update computers– they claim we must do so for our computers to staty secure– but I’ve never been comfortable with them. I always hold my breath when I do them.

Anyway, if you have been experiencing the Black Screen of Death ad wonder why, check your updates. It just may be them. You can uninstall certain updates through your Control Panel and Add/Remove Programs or Programs and Features settings.

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