“Insider Tips For Healthy, Wealthy & Happy Living…”
Learn Almost Anything
Online For FREE
You don’t have to pay for a college degree program to learn over the internet. Whether you want to fix a leaky faucet, speak Chinese, or listen to a lecture on world history, there’s plenty of educational material available for free. Here are some good places to start (and some you might not have thought of):
- YouTube. It’s not just for funny videos any more. You can find tutorials on sports and home improvement as well as how to do the moonwalk! YouTube also has an education channel where you can view content from universities and other institutions. Go to www.youtube.com/edu and click on a category from Business to Social Science.
- The History Channel. On their site at www.history.com you’ll find videos on such subjects as the Civil War, Great Inventions and Space Exploration. Check out the videos under “Topics” and “Great Speeches.”
- DiscoveryEducation.com. Go here for videos on math, science, social studies and more that you can use to help your kids with their homework.
- University of California-Berkeley. Go to webcast.berkeley.edu to download hundreds of video or audio courses and on-campus lectures.
- The BBC. Visit www.bbc.co.uk/languages to study everything from Italian to Chinese. Taking a trip? Learn essential phrases in 36 languages.
- AcademicEarth.org. Watch lectures on subjects from Computer Science to Mathematics and Law given by professors from universities such as Harvard, MIT and UCLA.
- OpenCulture.com. This site is a guide to thousands of hours of the latest educational content on the web. Readers will be especially interested in the section on free e-books you can read on your computer.
Maybe you just had a child and you need more space. Or have that nagging claustrophobic feeling. Or maybe you just need a positive change in your environment. Either way, I can help. My service programs can help you find the perfect home. It’s easier than you think.
Protect Yourself: How Credit Card Changes Affect YOU
The new rules for credit card companies that mean more consumer protection went into effect on Feb. 22, 2010. Here’s what they mean for you:
Your credit card company has to tell you:
¨ When they’re increasing your rate or other fees, giving you 45 days notice. Also, they can’t raise the interest rate on an existing balance unless you’re more than 60 days late with a payment. And they can’t increase your rate for the first 12 months after you open an account (with some exceptions).
How long it will take to pay off your balance. It will say on your bill how long it will take if you only make minimum payments, and how much you’d need to pay each month to pay off your balance in three years.
Monitor your cards closely and follow these tips to protect yourself:
Pay on time. Companies are required to mail or deliver your bill at least 21 days (instead of 14) before your payment is due. Plan accordingly.
Stay below your credit limit. You will, however, be given the choice to “opt-in” to over-the-limit transactions. If you opt-in and go over your limit, your credit card company can impose only one fee per billing cycle.
Try to make more than the minimum payment. You’ll pay less interest in the long run.
Shop for the best deal. Don’t forget to check out local banks or credit unions when you’re looking for a card with the best rate.
Read your mail. They may give you 45 days notice on a rate change, but you won’t know if you don’t open the envelope if it looks like junk mail.