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How to Manage Your Mortgage If Your Lender Closes or Files for Bankruptcy When a mortgage company closes or files for bankruptcy, its customers may be left wondering about the impact on their own loans. Buying, Giving, and Using Gift Cards Gift cards may be the answer to your shopping problems. Shopping for gifts can be a real dilemma. Just what do you get the person who has everything: your finicky Aunt Mary, your co-worker, or your child's babysitter? Contacting Your Mortgage Loan Servicer Before you have any conversation with your mortgage loan servicer, be prepared. Solving Your Credit Problems Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. What Is Mortgage Fraud For Profit? If you are having a hard time paying your mortgage, you may be contacted by unscrupulous individuals offering to help. Beware. Dealing With Debt Credit card debt can be an extreme burden but you can dig yourself out of debt. Are You Monitoring Your Credit? If you are not monitoring your credit and your credit reports, you may be in for a big surprise. Khon Kaen Traditional Breakfast Kai krata is the traditional breakfast in many parts of northeast Thailand. What Is Homestead Protection? Do you know how to protect your home if you get sued? How To Establish Credit Your first credit card or loan is the hardest to get. If you’ve never had credit, you have no credit history. What Is Credit Denial And What Can You Do About It? If you apply for a credit card or a loan and the company turns you down, they must send you a written notice within 30 days. Review Your Credit Report And Correct Errors You can get a free credit report every 12 months and should check it religiously for errors. Controlled Chaos In A Thai Mega Store Will the Thai's ever learn to shop in a mall? Why Did I Borrow From My Pension Plan? Conventional wisdom says to never borrow from your 401(K) or other pension plan. Do We Really Live In An Electronic Age? Transferring funds from one pension plan to another is hardly electronic. Eating In Thailand Rice and noodles or Big Mac and fries? The first time I went to Thailand was back in 1973. I was a young soldier in the United States Army and Bangkok was my first duty station. I was there for 18 months and my first meal back in America was a Big Mac, fries and a Coke. Patpong Road Bangkok Thailand Infamous for its naughty nightlife, Patpong Road is still thriving. Are You Managing Credit And Debt Or Is It Managing You? Who is in control – you or your credit card? What Smart Shoppers Know About Telephone, Mail Order, and Internet Sales Do you shop in your underwear? Buying by telephone and mail is a convenient way of shopping for most consumers. As more people have access to a computer, and as more companies sell their products and services online, the Internet is also becoming a convenient way of shopping for most people. How Does A Debt Management Program Work? If you up to your eyeballs in debt, a Debt Management Plan (DMP) may be your answer. Fiscal Fitness For 2008: Choosing a Credit Counselor Choosing a credit counselor may be the most important decision you make. What Is Debtor Education? Bankruptcy Post-Filing Debtor Education Don’t Despair With Credit Repair Having credit card debt may seem like the end of the world, but, there are steps you can take to repair your poor credit. How To Dispute Mistakes On Your Credit Report Credit card reporting companies can and do make mistakes on your credit report. Self Help May Be Best When It Comes To Credit Repair Should you seek assistance from a credit card repair company or attempt to fix your credit yourself? 7 Things Seniors (and Everyone Else) Should Know About FDIC Insurance How much does the FDIC insure your savings for? Identity Thieves Target the Deceased Criminals scour obituaries and other sources for personal information that can be used to commit fraud. Protect Yourself Against Financial Fraud How can you and your family be on guard against financial scams, especially those that target the elderly? Beware of Strangers Bearing Gifts There are many scams and frauds that target our senior citizens. Don’t become a victim. What Do You Need To Know to Apply for a Credit Card? All credit cards are not the same. You need to find one that matches you and your spending habits. American Express Blue Or Green Credit Cards Green or Blue? Which American Express card is right for you? Credit Card Rates And APR's Do you know how much you are really paying in credit card interest? Do You Qualify For a College Student Credit Card? Credit card companies are looking for loyal customers and have started marketing to high school and college students. College credit cards are the credit cards that have been specially designed for college students and allow the students to experience the benefits of credit cards much earlier in their life. Negative Credit Can Affect Your Job Search Many employers run credit checks before hiring new employees. Fair Debt Collection Practices Act And You If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." Ever Have A Problem With Your Credit Card Company? What do you do if your credit card bill is incorrect? How To Use The Fair Credit Billing Act (FCBA) To Your Advantage Have you ever been billed for merchandise you returned or never received? What Do You Do If You Get Kidnapped? We live in a crazy world and anything can happen. You have to be prepared for anything. Follow The New Rules When Visiting Canada and Mexico If you are in the United States and plan to visit Canada or Mexico, you need to follow the new rules. Glossary Of Airline Travel Terms Here are some airline terms you may come in contact with if you travel. Do You Know How To Complain About Your Flight? Did your flight take off late? Was the food terrible? Was your suitcase lost? What You Must Declare When You Return To America From Overseas Most tourists buy souvenirs when they travel overseas and may be shocked when they return. Airlines And Contracts Of Carriage Are the airlines liable for anything at all? Paying For And Getting A Refund For Your Airline Ticket Changing or canceling your flight – does it matter if you paid by cash, check or credit card? Safety When You Drive During Your Vacation If you are planning to rent a vehicle and drive while on vacation, you need to take some precautions. Do You Have To Declare Gifts You Bring Back From A Foreign Country? Buying souvenirs for yourself, family and friends when you travel can be costly. Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate. What Is The Credit Repair Organizations Act? Do you know what your credit rights are? Stay Healthy During Your Thailand Trip No one wants to get sick when they are on vacations. Follow these simple tips for a better holiday. Should You Borrow From Your 401(K) Or TSP? Anyone can take a loan from their retirement fund, but should you? What Is The Truth about Credit Repair? Got bad credit? Want to get it repaired? Can you handle the truth? Choosing Your Credit Card Based On APR The first step in choosing a credit card is thinking about how you will use it. Credit Repair: Don't Get Scammed Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix. Should You File For Bankruptcy? One of the toughest decisions you will ever make in your life is deciding whether or not to file for bankruptcy. Defensive Flying: Tips You Can Use Most airline trips are boring and uneventful. However, you can take steps to reduce even further your chances of encountering problems. Here is some advice for "defensive flying." Quick Tips for Traveling Abroad We all want our overseas trip to go smooth so here are some ways to ease the pain. Tips To Glide Through Customs Entering a foreign country or returning from one puts you in contact with Immigration and Customs Officers. Credit Card Reports Questions And Answers If you plan to get a credit card or if you already have a credit card, you need to know the law. How To Avoid Credit And Charge Card Fraud A thief goes through trash to find discarded receipts or carbons, and then uses your account numbers illegally. How To Choose and Use Credit Cards Chances are you've gotten your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal. Do You Know What To Do If Your Identity Is Stolen? It is something that every consumer fears. Identity theft can happen to anyone and you need to know what to do if it does happen. How To Give the Bounce to Counterfeit Check Scams It’s your lucky day! You just won a foreign lottery! The email says so. And the cashier’s check to cover the taxes and fees will be mailed to you immediately. Is The Government Doing Anything To Protect You From Identity Theft? Identity theft costs consumers billions of dollars every year. You need to do your part to protect yourself and the government needs to do its part too. I'm Going To Pattaya's Walking Street. Where Do I Go First? Visiting Pattaya for the first time can be an exhilarating experience and trying to figure out where to go first can be an impossibility. Got a Bad Case of the Pattaya Blues? If you have ever gone to Pattaya, Thailand you know what the Pattaya blues are. Duty-Free Liquids, Gels, and Aerosols If you travel overseas you have the advantage of shopping at the airport duty free shop. But, you need to check the latest rules for carrying liquids on board. Jewelry Shopping in Bangkok You can get great deals in gold and gemstones in Bangkok if you don’t get ripped off. Articles: Is It Better to Give or Receive? Which is the better way to market you product? Is it better to submit articles to other sites or is it better to run an article site and receive articles? Khon Kaen-the Gateway to Isaan If you are a regular visitor to Thailand, you have heard of the part of Thailand known as Isaan. If you have only heard of Bangkok, Pattaya, or Phuket, you need to head up to the northeast of Thailand for the true Thai experience. Celebrate Songkran in Thailand Sawasdee Pii Mai & Happy Thai New Year! Although it is a few months away, it is never too late to plan for a trip to Thailand to celebrate Thai New Year. Affiliate Marketing Can Make You Money Sorry. There are no claims to making millions and millions of dollars using affiliate marketing here. No fancy eBooks, sales pages, pitches, or wild claims of rags to riches. Just a common sense approach to making some money as an affiliate. What to Carry in Your Carry-on Bag on an Overseas Flight Preparing for an overseas flight is a little bit different than your standard domestic flight. About the only type of flight that compares is a U.S. coast to coast. If you properly plan it will make your long flight better. Arriving at an Airport You Can’t Even Pronounce If you have recently traveled to Thailand you arrived at the newest Southeast Asian airport. Bangkok’s new airport replaces an old friend of mine. Returning Home After Your Overseas Holiday – What to Expect Your wonderful vacation is over and it is time to return home. You need to plan for your return trip home just as you planned at the beginning of your holiday. Surviving Your First Overseas Flight Taking a trip to a foreign country can be a bit different than a short shuttle flight between two cities. But, with a little pre-planning, you can make the long flight as pleasant as possible. Top Ten Reasons Your Articles Are Declined Article marketing is one of the best ways to establish yourself as an expert in your field and also a great way to get links to your web site. To increase your chances of having your article published, here is my personal list of reasons your articles are not published. Article Marketing-Both Sides of the Fence I have been submitting articles to article sites for quite a while now – both manually and with the use of a submitter. I also have 6 article sites and accept auto-submitted articles to 4 blogs. So, I understand submission guidelines from both perspectives. Hints and Tips to Keep Safe While Overseas Use the same common sense traveling overseas that you would at home. Be especially cautious in or avoid areas where you are likely to be victimized. These include crowded subways, train stations, elevators, tourist sites, market places, festivals and marginal areas of cities. Comparing Credit Cards and Choosing the Card for You All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks. Arrival and Claiming Your Bags Many bags look alike. After you pull what you think is your bag off the carousel, check the name tag or the bag tag number. If your bag arrives open, unlocked or visibly damaged, check right away to see if any of the contents are missing or damaged. Checking-in For Your Flight-It’s in the Bag Arriving at the airport is the start of your vacation. You can make it painful or painless. It is all up to you. Pack Your Bags Like a Pro Between the time you check your luggage in and the time you claim it at your destination, it may have passed through a maze of conveyor belts and baggage carts; once airborne, baggage may tumble around the cargo compartment if the plane hits rough air. In all fairness to the airlines, however, relatively few bags are damaged or lost. With some common-sense packing and other precautions, your bags will probably be among the ones that arrive safely. Overbooking and the Airline Bump Overbooking is not illegal, and most airlines overbook their scheduled flights to a certain extent in order to compensate for "no-shows." Passengers are sometimes left behind or "bumped" as a result. When an over sale occurs, the Department of Transportation (DOT) requires airlines to ask people who aren't in a hurry to give up their seats voluntarily, in exchange for compensation. Those passengers bumped against their will are, with a few exceptions, entitled to compensation. What Can I Do To Improve My Credit Score? Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application. Your Debts and Debt Collectors You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. Your Credit Billing and Electronic Fund Transfer Statements With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit. Your Credit and Your Rights A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Planning Your Flight – Timing is Everything Your vacation is scheduled and it is time to book your flight. Most people make the mistake of booking their flight based on departure time – but this can be a big mistake. Equal Credit Opportunity – What Can Creditors Do? Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed. Credit - You Have The Right To... Know your rights - your credit rights. There are laws to protect you - but - you have to know the law. Applying for Credit – A Regular Catch-22 We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house. Overseas Driver's License & Auto Insurance If you intend to drive overseas, check with the embassy or consulate of the countries where you will visit to learn about requirements for driver's license, road permits, and auto insurance. If possible, obtain road maps of the countries that you plan to visit before you go. Can I Receive Federal Benefits If I Retire In Thailand? You want to retire in Thailand but are worried that you cannot collect your Social Security benefits if you retire in a foreign country. Well, worry no more. Dealing with Debt – There Are Solutions Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? Annuities for Retirees: What to Consider Before You Invest Investments called annuities are similar to traditional Individual Retirement Accounts and employer-sponsored 401(k) plans in that your money can grow tax-deferred until you withdraw it from your account. However, annuities are complex products and are not appropriate for everyone near or in retirement. Here's an overview, including things to consider and questions to ask before you invest. Retirement Planning and Your Finances As you near your sunset years, it is time to inventory your financial resources and see exactly where you stand. Do you have a lot of equity in your home but little cash in the bank? What kind of mortgage do you have? Have you taken a look at your insurance policy to see if it is current? Here are a few things to think about as you get ready to retire. Toys For Tots Program Expands Giving Boundaries I am sure that you all have heard of the Toys for Tots program that the United States Marine Corps sponsors every Christmas. But, did you know that it has gone global? Medically Preparing for Your Trip to Thailand Before visiting Thailand, you may need to get the following vaccinations and medications for vaccine-preventable diseases and other diseases you might be at risk for at your destination: (Note: Your doctor or health-care provider will determine what you will need, depending on factors such as your health and immunization history, areas of the country you will be visiting, and planned activities.) Getting From the Bangkok Airport to Pattaya You have booked you flight to Bangkok and your hotel room in Pattaya – but have you thought about transportation from Bangkok to Pattaya? It isn’t that long of a ride – but can be daunting to the first time traveler. Going to Asia? Save Time and Money on Your Next Trip. It seems like traveling these days has become more of a hassle than what it’s worth. Gas prices are constantly on the rise, while airports remain notorious for overcharging plane tickets. Not to mention the long waits, hassle of security, and running the risk of losing your luggage. Traveling out of the country poses even more of a hassle. Despite the obstacles traveling involves, you can eliminate one worry from your mind if you’re planning a trip to Asia – spending too much money to get there. Going Overseas? Do You Need Travel Insurance? You may not need travel insurance, if you are already adequately covered by other insurance policies. But, you should check before you go. How to Bring Money to a Foreign Country Going to an overseas country presents a currency challenge. Carrying a calculator helps, but more importantly, prior planning is more important. You choices - cash, credit cards, debit cards, local currency, and traveler's checks all present different kinds of problems and solutions. Thailand Rules of the Road If your are planning a vacation to Thailand, you will find that getting around is different than in your home country. You will have to learn to navigate on the "wrong" side of the rode (if you are from the US), negotiate with a tuk-tuk driver, and pay to ride in the back of pick-up trucks (Baht buses). It will be an experience you will never forget if you keep these points in mind. Legal Tips When Traveling Overseas The very first thing you have to remember is that you are a guest in a foreign country and you are subject to their rules and regulations. Ignorance of the law is no excuse. You need to do some homework and find out what the laws of the country you are visiting are so that you stay out of trouble and have an enjoyable vacation. Going Overseas? Protect Your Passport Your passport is the most valuable document that you will carry abroad. It confirms your U.S. citizenship. Please guard it carefully. Do not use it as collateral for a loan or lend it to anyone. It is your best form of identification. You will need it when you pick up mail or check into hotels, embassies or consulates. Don’t let a Drug Arrest Ruin You Vacation About 3,000 Americans are arrested abroad each year. Of these, approximately one-third are held on drug charges. Despite repeated warnings, drug arrests and convictions are still a common occurrence. Beware When Shopping Overseas. Going shopping during your Asian vacation can be a lot of fun – but it can also be a problem. Be careful when shopping by following the following tips. Saving money while shopping from the local vendors is great – but it can cost you when you return and go through customs. Don’t ruin your holiday – know the rules before you go overseas and buy souvenirs that will be confiscated when you return. Holiday Shopping During Your Asian Holiday As occurs every year, there is an increase in the incidents of theft during holiday seasons. These crimes generally take the form of purse snatchings and victimization by pickpockets. People are victimized while shopping or visiting public shopping markets. Pockets, purses and backpacks are picked, or surreptitiously cut, with the loss of money, credit cards, and valuable identification. The thieves often work in teams, and are exceptionally gifted at concealing their intentions. What U.S. Consuls Can Do To Help You U.S. consular officers are located at U.S. embassies and consulates in most countries overseas. They are available to advise and help you, if you are in any serious trouble. Plan Your Return Before You Go Most people are so excited about going on their vacation that they forget to plan their. This can take almost as much effort as the initial holiday plan. But, it is better to think about your return before you leave your home. Here are some tips. Safe Travels: Top Ten Passport Tips Are you planning a trip overseas? Do you have your passport? You will need it to enter foreign countries – so here are some tips to make your passport experience easier. What Do You Do If You Lose Your Airline Ticket? Airline tickets are similar to negotiable documents. Because of this, refunds can be difficult to obtain if tickets are lost or stolen. Things to Arrange Before You Travel Overseas No one expects anything to happen while on a 2 or 3 week vacation – but you really should make some preparations – just in case. What to Learn About Before You Go to a Foreign Country Before you go to a foreign country, you should do your homework. There is no excuse for not knowing with all of the information available on the Internet. Embassy and consulate information, along with web sites for your holiday country are readily available. Most sites will also have forum with local residents and tourists providing current information and available to answer your questions. How to Handle an Airline Complaint Most of the time complaining to the counter help at the airport or to the flight attendants will get no results. You need to document the problem and go to the top. Contact the airline’s main office either by regular mail of email. Keep copies of all your documents. Tis the Season to Travel With Christmas and New Years right around the corner, many people will be traveling to visit family and friends. And many will take to the air to return home for Christmas dinner and New Year Eve celebrations. Many of these people will be first time flyers and should do a little homework before taking that first flight. Different countries and different airports/airlines have different rules – so check before you fly. Common Sense Travel Tips Flying is a routine activity for millions of Americans, and raises no health considerations for the great majority of them. However, there are certain things you can do to ensure that your flight is as comfortable as possible. Top 10 Ways to Protect Yourself From Counterfeiting and Piracy Shopping in Thailand can be fun - haggling the prices, getting great deals, the aroma of open-air markets, and getting souvenirs for family and friends. But, you need to be careful. Your shopping trip can result in your goods being confiscated, heavy fines, and possibly jail. Thailand is notorious for counterfeit goods (shirts and hand bags), pirating software, and illegal copies of movies. Customs may inspect your luggage when you return and confiscate everything. Safe Travel - What to Bring – 10 Tips Travel today can be confusing with rules and regulations changing on a regular basis. Last year I could bring a bottle of water but no lighter. This year it is the opposite. Zippo lighters are OK but no bottled water – go figure. Sometimes the rules vary by country – so check, check, check. Frequent Flyer Programs – Get the Most Out of Your Miles Virtually all major U.S. airlines have a frequent-flyer plan, and many foreign carriers are starting them. These programs allow you to earn free trips, upgrades (e.g., from Coach to First Class) or other awards based on how often you fly on that airline. In some programs you can earn credit by using specified hotels, rental car companies, credit cards, etc. It doesn't cost anything to join a program, and you can enroll in the programs of any number of different airlines. Air Passengers with Disabilities – Know Your Rights Over 40 million Americans have disabilities. The Air Carrier Access Act and the Department of Transportation rule that implements it, set out procedures designed to ensure that these individuals have the same opportunity as anyone else to enjoy a pleasant flight. Here are some of the major provisions of the rule: What to do if your flight is cancelled or delayed. A mechanical problem or a typhoon can put a damper on your business or leisure trip. What are your options if you can’t get to your destination on time? Sometimes it is the squeaky wheel that gets the oil. Airline Reservations and Ticketing Tips Once you decide when and where you want to go, and which airline you want to use, getting reservations and tickets is a fairly simple process. You can make all of your arrangements by online, telephone, at the airline's ticket office, or through a travel agent or other ticket outlet. There are a few potential pitfalls, however, and these pointers should help you avoid them. Going to Thailand in December? Don't be surprised if you see a sea of yellow when you land in Bangkok.December 5th is His Royal Highness, the King of Thailand's birthday. His majesty will celebrate his 80th birthday in Royal Fashion. How to Get a Cheap Flight With fuel prices closing in on $100 per barrel, air fares keep going up and up. Here are some tips in getting the biggest air fare bang for your buck. Top Twelve Travel Tips for Students If you are a student planning a trip overseas, here are some tips to help you with your trip. This list is not all inclusive, but it should give you a good start to a safe and enjoyable trip abroad. Some Travel Tips for Students Planning a vacation in a faraway land? Received a job offer to teach in Asia? Although most trips abroad are trouble free, being prepared will go a long way to avoiding the possibility of serious trouble. Thai Visas for American Citizens Going to Thailand? Going to stay more than 30 days, work or retire in Thailand? Make sure you know the rules. Where to stay in Pattaya? You’ve decided to spend your holiday in Pattaya, Thailand and leave the cold and snow of your home country. Great! But, where do you stay once you get there? Khon Kaen – the Gateway to Isaan Having traveled to Bangkok, Pattaya, and Phuket numerous times over the past 34 years, I headed northeast to Khon Kaen this past vacation. It was my first time in the part of Thailand known collectively as Isaan.

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