7 Ways to Avoid Charity Fraud

Charities are asking for your help, primarily in monetary form. Here are seven ways to keep from harm against a con artist who wants to take advantage of your good will. You can make sure your hard earned money gets into the right hands with these seven safety tips when asked for a donation.

Asking for their identification is a must. The organization AND the solicitor. Find out what the purpose of the charity is and how funds are used and allocated.
Ask if contributions are tax deductible
. If you’re not convinced by their answers, DON’T GIVE A DONATION
Give to charities and foundations you know.
Do a web search and some checking if you’ve never heard of the charity before or if it is a name that is similar to the ones you know of.
Do not fall for high-pressure tactics. If solicitors won’t take no for an answer, or comeback tomorrow so you can do your homework on them, DO NOT GIVE THEM YOUR MONEY.
Be suspicious of charities that only accept cash. Always send a check made out to the charity and NOT to the individual requesting the donation
By knowing a few tips when charities are asking for funds, it can make the difference between providing a con artist with your hard earned money, or helping the people who need it the most with your generous donation.

About The Author Michelle Annese is a 3rd degree black belt with 16+ years experience teaching self defense and safety for women and children. She is an inductee to the World Martial Arts Hall of Fame and is the creator of Diva Defense Training, and The Safeguard System for Kids. All designed for woman and children to learn self-defense at home... FAST! Visit her website at http://www.michelleannese.com for more info. michelle@michelleannese.com

Written by: Michelle Annese

American Drivers and the Alternative Fuel Vehicle Choice

The questions about alternative fuel vehicles increase every time gasoline prices rise. There are many options for vehicle manufacturers. Getting these vehicles from the research and development phase to the mainstream public has been a long and tedious process. The American vehicle manufacturers seem to have lagged behind the Japanese in this regard or have they?

When most people hear the term “alternative fuel vehicle” the vast majority will think of hybrid vehicles, the gas and electric combination. In the 2006 model year vehicle line-up for cars the only hybrid choices are Japanese. For light trucks however, the only choices are American. The SUV line up has both Japanese and American choices. The big question remains to be answered; will the demand for alternative fuel vehicles be the saving grace for a faltering American auto industry? Can General Motors and Ford adapt quickly enough to the consumer demand for lower operating costs for the average American driver to use the current spike in gasoline prices to their advantage? Perhaps the opposite is true and the inability to change will push one or both of the American auto giants over the top and make them a takeover target for perhaps Toyota? If you don’t think this scenario is possible, have you ever heard of a company called Daimler Chrysler?

Hybrid technology seems to be the most recognizable with the general public but it is not the only alternative fuel choice available. Some other alternative fuel sources have been used for years, mostly in fleet or industrial vehicles. The most notable would be Liquefied Petroleum Gas (LPG) more commonly known as propane. Another similar fuel source is Compressed Natural Gas (CNG). Fleets of trucks, buses and government agency cars have used these fuel sources for many years. Having a network of fueling stations is a stumbling point to bringing these vehicles to mainstream America. One reason why these fuel sources work well for fleet usage is because of the central garage and fueling station arrangement. When the vehicle has completed its workday it is brought back to the central garage as well as fueled for the next day’s service. Although both LPG and CNG are fossil fuels they produce less emissions than gasoline. Flex-fuel vehicles (FFV) are vehicles that have a single fuel source and are designed to run on either regular unleaded gasoline or a mixture of gasoline and an alcohol fuel source such as ethanol or methanol. With many farmer owned cooperatives building ethanol production facilities as a way to market their corn and other grain crops this type of alternative fuel vehicle choice has gained the most momentum in mainstream America. Another type of alternative fuel source vehicle is known as a Bi-fuel Vehicle. This design uses two completely separate fuel system. Typically one fuel source is a readily available fuel such as regular unleaded gasoline or diesel and the other fuel source is either LPG or CNG. By using two fuel sources the vehicle has greater flexibility to travel outside the limited refueling network for LPG or CNG. The vehicle is designed to easily switch between the two fuel sources based on fuel availability. Electric vehicles show promise but there are issues with the weight from battery storage sources and a network of recharging facilities as well as their limited travel range. Fuel Cell Vehicles (FCV) are several years away as they are not expected to reach the mass market prior to 2010.Government agencies and domestic automobile manufacturers are joining forces to bring a zero emission vehicle that does not rely on fossil fuels to the American driving public. Freedom CAR is a cooperative research effort between the Department of Energy and the U.S. Council for Automotive Research whose goal is to develop cars and trucks that are cheaper to operate, pollution free, competitively priced and free from imported oil.

With alternative fuel sources there will be growing pains. These would include setting up a network of refueling stations and training automotive repair technicians on vehicles that are completely different from what they have repaired in the past. There are many automotive technicians who, I am sure, will leave the industry as the new technology is introduced. The neighborhood repair garage will disappear as these increasingly more sophisticated vehicles begin rolling on American streets and highways. Most vehicle manufactures will keep the training on these new vehicles for their network of dealer service technicians only.

If you are considering an alternative fuel vehicle you should also consider the proximity of refueling stations and how that network will expand in the foreseeable future. Staying informed on alternative fuel vehicles currently in production as well as those that will be available in the near future will be to your advantage as a consumer.

-Reference material from www.fuleconomy.gov , The Department of Energy, Freedom CAR initiative and U.S. Environmental Protection Agency

Dana Buttenhoff has over 20 years experience in the automotive industry. The past 12 years as an automotive service consultant for a European luxury car dealership in suburban Minneapolis, Minnesota.

By Dana Buttenhoff

Is Life Keeping You From Getting Anywhere?

Are you too busy with what you are doing to change or get ahead?

Are you so distracted with life that you have time to pay attention to what you want in life?

Can you even remember what you want any more?

The routine tasks of daily life can so easily use up all of your time that they become the main part of life.

When was the last time you spent time thinking or contemplating what you want in your life? For most it has been far too long.

Are you aware that your daily activities are your predominate habits? A habit is an automatic thought, routine or behavior.

They become so ingrained in you life that you build interpretations, thinking, behavior, and defenses around them, protecting the status quo.

Have you noticed how protective you can be about what you do and think, even if you are not really sure why. How you will defend anything even if it is really not in your best interest. You will actually personalize and protect your habits no matter how negative, debilitating and restrictive they become.

Sometimes, what habits prevent you from doing is far more damaging than the habit itself. Many habitual routines cause you no harm other than sapping your time and energy that could be utilized for your personal growth and development.

We have all heard of how effective use of our time leads to results. Well, there are always results in your life; everything you do has a result. Even when you think you are doing nothing, you are getting the results of the doing 'nothing'. And part of the result is, what you are not doing while doing the 'nothing'.

If you sit and watch TV instead of washing the dishes, the result is - the dishes are not washed, and of course you accomplished TV watching.

This goes on all day, with you getting appropriate results for all of your actions and apparent inaction.

The question becomes, how long are you going to continue to let what you do all day long prevent you from the life you desire? You can't continue to do everything you do now and expect different results. You must make some adjustments.

Change what you are doing and what you are doing will change. Your results will change and so will your life. It takes effort on your part. Who said the life you want is easy? I'm not saying it is hard either, not any harder than what you are doing now.

The challenging part is in getting yourself to alter what you are now doing to allow for what you want. You have gradually built your life to what it is today, whether you did so intentionally or not.

You then need to make any adjustments that are needed to support what you want. It will take effort at first, as your ego mind will want to fight to preserve the status quo. It will take determination and self-discipline on your part at first to override the existing habits.

This can only take place when your inner drive is sufficient to back your efforts. Only when you become fed up with what you no longer want and you become deeply desirous of what you do want will you have the needed mental and emotional drive.

You will need to insert into your day, some things that support what you want. You need to be moving in the direction of your dreams, not just once in a while, but each day.

Take a look at what you want in your life - what activities would lead to them becoming reality for you? Put these into your daily schedule and help them become your habits. Even if small, they will begin to have an effect.

If you were in baseball and wanted to be batting over 300, don't you think you should be doing a lot of batting practice? Of course, that's obvious right! Then why don't you do any practice for what you want?

You have allowed yourself to be consumed by your habits, you must change that in order to get what you want. And what you have in your life is directly related to how much time and attention you have given it. Give an appropriate percentage of your time with what you do want.

Spending all of your time doing things that are not part of what you want your life to be and then complaining about it changes nothing. All you are doing is accentuating your unhappiness.

Another key part of this is to know what you want unfiltered by the ego. There is a lot deep in your mind that is covered by the activity of the day. Schedule time in your day for contemplation of some sort, as well as the specific activities.

Meditation is good or any quiet undistracted dedicated thinking 20 to 30 minutes at least once a day. Contemplative thinking is something most of us do not do enough of, as we are so busy running around just doing what we are in the habit of doing.

It is so easy to allow ourselves to get in the rut of just wishing of something rather than taking steps towards making it happen.

And very important, you must stick with it, just doing something for a short term or once in a while will not effect change. What job, business or college degree can you be successful in if you only do it once in a while?

If you want it to be a part of your life - make it a part of your life!

Change your efforts and your results will change.

John Halderman writes and speaks with intent on helping you get effective results with your personal growth. For self-improvement tools, tips and resources for living a satisfying life get the "Effective Personal Development Newsletter" and a bonus report http://www.activepersonaldevelopment.com

By John Halderman

Is A Student Loan Consolidation Or Federal Student Loan Consolidation Right For You?

With the cost of education going through the roof, going to college can be very costly. Many students don’t have thousands of dollars to pay their way through college. This is why so many college students use student loans and federal student loans to get themselves through college. When it comes time to pay back their student loans, it can be a real burden and a distraction from their career.

Today’s career minded students can get help with the burden of having several student loans. One can focus on their chosen career, instead of losing sleep over paying several monthly student loan payments. Student loan consolidation and federal student loan consolidation can be the solution with several benefits.

How Does Student Loan Consolidation Work?

Here is typically how a student consolidation loan works. When a student first applied for several loans from several different agencies and student loan providers, they each gave a different interest rate and term for paying back the loans.

The idea of student loan consolidation, is to take all the different student loans and put them into one easy convenient loan. You then only have to make one monthly loan payment every month, instead of several loan payments every month over time.

This saves the student both time and money. Having a lower interest rate and less checks to write every month are a couple of the many benefits of doing a student loan consolidation or federal student loan consolidation.

What About Federal Student Loan Consolidation?

There are several advantages when you get a federal student loan consolidation. You can take advantage of fixed interest rates, lower monthly payments, one payment each month, get payment incentives and new or renewed deferments.

There is usually not a minimum loan balance required with this type of loan program. Also, you have the option of which loans you may want to include and money saving payment incentive plans with some federal student loan consolidation programs.

Another benefit is that you can consolidate your undergraduate loans if you are still in graduate school. You can decide on what loans you want to consolidate from the loans that qualify.

However, federal student consolidation loans can’t include loans you may have received from banks, credit unions, personal loans, consumer debt loans or any other type of financial service loans you may have applied for in the past. They have to be federal student loans to qualify.

8 Helpful Benefits From Student Loan Consolidation

1. Lower Monthly Payments. Depending on your student loan situation and the type of lender you choose, you may be able to lower your monthly payments by up to 50%

2. Having Simple Loan Payments. By consolidating your student loans, you only have one loan payment per month and one check to write. This is very beneficial if you are writing several checks every month to multiple lenders.

3. Having Fixed Interest Rates. With some federal consolidation loans you can have a fixed rate for the life of your student loan. It’s best to do research to see what the best interest rates and term you are eligible for. You can check online to calculate the interest rate on a new student consolidation loan based on the rates of your current student loans. You can then round up to the nearest 1/8th of a percent of the weighted average of the interest rates on your eligible student loans.

4. Extending Your Payment Period. You may have a lot of student loan debt. With federal consolidation loans you may be able to extend the payment term up to 30 years. It’s a good idea to realize you will end up paying more interest over the life of your student loan consolidation. The idea is to get some leverage until your career takes off. You can focus on making money instead of several monthly loan payments.

5. In School Consolidation Programs. While still in school, eligible students can lock in a low rate. This would put you into repayment status, but since you are still in school, you are automatically put into deferment. The drawback of consolidating your loans while in school, is that you lose your 6 month grace period. The solution to this would be to request forbearance for up to 1 year on your student loan consolidation. Here again you can do some research and get more information online.

6. Lower Interest Rate. Student loan consolidation can save you thousands of dollars. You may be using credit cards with 12% to 28% interest trying to keep up with your bills. This can cost you thousands of dollars when you pay the minimum monthly payments on high interest credit card debt. Having a student loan consolidation may be your best option if you can get lower interest rates when consolidating your student loans.

7. New Interest Rates. With a new student loan consolidation, you may be able to get a much better interest rate. Interest rates are now at an all time low. You may have been paying on debt you built up from several years ago, at high interest rates. Things change over time in the financial industry.

8. Help Relieve Stress. With a student loan consolidation you don’t have to worry about several monthly loan payments and due dates. This in itself, can make a student loan consolidation worth your while. You can focus on your new career, instead of those nagging loan payments every month.

Student Loan Consolidation Services And Resources Online To Help You

You can get a student loan consolidation online quickly and easily. The Internet makes research and finding good consolidation loan programs. You can get done in a day, what used to take several weeks. You can learn everything you need to know from information sites that provide the latest news, resources, tools and data in regards to student loan consolidation and federal student loan consolidation.

With knowledge you can be empowered to get the best type of program for student loan consolidation. You can get loan quotes, rates and compare loan companies that are competing for your business.

Dean Shainin is a consultant specializing in student loan consolidation. Get valuable resources, tools, information and more articles on student loan consolidation, visit this site: http://www.studentloanconsolidationtips.com

Written by Dean Shainin

A Forgotten Cemetery
Located on Guy R. Brewer Blvd. (the old "New York Boulevard") at Liberty Ave. in Jamaica, Queens, N.Y. is a small cemetery. It is grown over in weeds and fenced in. Walking past, you would never even know it was there, that is unless your like me and looking for things out of the ordinary.
After seeing cemetery I decided to look into it further. Considering the records that are required to be kept on cemeteries, I was shocked to find that information was almost non-existent. Thanks to Cate Ludlam of Prospect Cemetery and Kevin the Webmaster for www.forgotten-ny.com I finally got an answer or two, It seams that Kevin knew was aware of that cemetery,
and stated that “It's well protected and I've never been able to get in.” You have to understand that Kevin takes photos of places like this and shares them with others through his web site with a write up on the location. Kevin recommended that I get in contact with Mrs. Ludlam. She proved to be the most knowledgeable about the cemetery. It seams is known as the "Methodist" cemetery and was deeded to the local Methodist church by the family that owned it. Originally it was really a family cemetery. It is thought that the family is from somewhere in New England, but no longer lives in the area. The Church that over sees it today does not have the funds to care for it. Some years ago the National Guard cleaned it up. But without being properly maintained, it has since been fenced in.
As a society we should respect those that passed. If anyone would like to donate a little time to help clean the cemetery up or community groups would like to join efforts to get a team together to help out, please contact me at localnews@worldbreak.com, Mrs. Ludlam is going to see if she can get me in contact with the person in charge of the cemetery. In the mean time, I will be presenting this idea of cleaning it up to a group of people that I meet with.
I would like to extend a special thanks to Kevin and Mrs. Ludlam for the help in researching the cemetery.
Written by A. Wallace