I Won The Lottery! Or, Maybe Not by Shari Hearn

I must be the luckiest person alive. In the past three days I found out I won 1.5 Million Euros in the UK lottery, One Million Euros in the Winx International Lottery, 1.5 Million Euros in the 2007 E-Mail Lottery, and 500,000 Pounds in an e-mail lottery held by the Coca Cola Company. Wow! What did I do to receive all these riches?

The sad truth is there are actually people who fall for these schemes. For the promise of a quick buck (or million Euros as the case may be) people will turn over their bank account numbers, wire money in the hopes of getting more back, or give other information that could lead to identity theft.

These lottery and sweepstakes schemes have gone on long before the internet, with one of the oldest being the phony sweepstakes which required an entrance fee to claim your prize, which amounted to more than the prize was worth. Another variation of that scheme was requiring the potential winner to call a certain number to find out if he or she was a winner. The phone call cost the potential winner a certain amount per minute with an unusually-long wait time on hold. The real winner was the scamming company which made money off the phone calls.

Todays thieves have a wide choice of scam-delivery mechanisms, including in person, the mail, phone and internet. However, the same holds true no matter how the scam is delivered: if it sounds too good to be true, it is.

How Can You Recognize the Lottery or Sweepstakes Scam?

There are certainly legitimate lotteries and sweepstakes offers. Who hasnt bought a state or multi-state lottery ticket from their local lottery retailer? Or, who hasnt seen one of those sweepstakes offered by a recognized company advertising in the coupon section of the Sunday newspaper? You fill out the entry form or reasonable facsimile (usually a 3x5 card) with your name and address and send it off.

Therein is your biggest clue as to whether youre the victim of a scam. In a legitimate lottery or sweepstakes you have bought the ticket or entered your name and address. In a scam lottery or sweepstakes you are notified youve won when you havent even entered or bought a ticket.

In addition, its illegal to use the mail or telephone to play lotteries across borders, whether national or state lines. Any lottery offer involving the purchase of lottery tickets for other state or country lotteries could end up with you being charged with illegal activities.

One ploy used by foreign scammers involving lotteries or sweepstakes is offering you an advance on your winnings. The scam artist will send you a check for part of your winnings. All you have to do is wire them payment for taxes or other official purposes. By the time you find out their check has bounced the money you wired is in their hands. And, because it was wired its harder to trace.

Lottery scammers dont always use e-mail or the phone. Sometimes they do their dirty work in person. A typical scam would go something like this: You are approached in person by someone who claims he or she just won the lottery but isnt eligible to claim it. They offer to split the money with you if you claim the prize. Sounds good, right? Except that before you claim the prize from the lottery retailer you are required to withdraw some money from your account and give it to the ticket holder as a good-faith gesture. By the time you find out youre holding a non-winning lottery ticket, the thief is long-gone with your good-faith money.

In order to protect yourself from these scams, its important to remember the following:


Its illegal to use the mail or telephone to play lotteries across borders.

If you ever receive a phone call, letter or e-mail announcing you just won a lottery, its a scam.


Its illegal for a company to require you to pay to win or claim a sweepstakes prize.

Its illegal for a company to suggest that buying something will improve your chances of winning.

Companies cannot ask for money from you for taxes they say you owe on a sweepstakes winning.

Be cautious when entering sweepstakes from displays you see in malls often times these are people just wanting your name and address for a future sweepstakes scam.

Only enter sweepstakes from recognizable companies, and never pay a fee to enter.

Avoiding being the victim of a scam takes a healthy dose of skepticism. If you are ever unsure about the legitimacy of an offer made to you, you can call the National Fraud Information Centers Hotline at 1-800-876-7060.

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A low credit score or rating can definitely lead to higher interest rates or possibly being denied in case you are shopping around for a loan or a mortgage. But there has been a loophole and buying better credit can help boost your existing low credit score. It actually works in such a manner where you are made an authorized user of someone else's credit. This would appear in your credit report and if that particular account has a good credit history then it could definitely pull up your score. Several of such accounts being added to your credit report will increase your chances of being approved for a loan or getting a better interest rate.

Companies on the internet have been sprouting offering such services wherein you pay a certain fee in order for you to "borrow" another individual's credit info to be included in your very own credit report. The fee can range from a few hundred dollars to a couple of thousand dollars all depending on how many accounts you wish to be included in your credit report. You will be asked for information like your name and social security number after which the company will then look for people with good credit accounts on which you will be added as an authorized user. You are then removed from such accounts only after the credit company has reported such information from the credit bureaus. The account information will then be reflected on your credit report for several years and will be reflected as part of your credit score.

While for now it is legal, this is practically dishonest since you are misleading lenders and creditors with someone else's credit standing and passing them off as your own. If you do get approved under such circumstances, you did it but under false pretenses. The credit score is there for the purpose of helping creditors and lenders make sound decisions as to whether to grant credit to a particular individual. With the spending habits you have, you are likely to default payment again and significantly affect your credit score for which you have paid a significant amount of money to improve.

You also have to consider the privacy and security issue involved here. You need to give out your social security number and there is always the risk of your identity being stolen. Your security number will be known to an unknown person who adds you as an authorized user to one of his or her accounts and you cannot be too sure if he or she will keep your personal information private.

For now you may be able to buy good credit but it is way better to be able to spend that money on improving your own credit in a different way. Have an inventory of all your debts and create a plan on how to pay them off one by one. Gaining the discipline and the habits to pay on time will benefit you in the long run rather than buying someone else's good credit.
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Here was a real life situation I was in. I worked as a IT support staff and one day a laptop that crashed was handed to me. After some diagnostics, I found bad sectors on the hard disk and a lot of clunging sounds whenever I turned on the laptop. Unfortunately, the user have some crucial data on the hard disk and need to have it in 24 hours.

The BIOS wasn't able to detect the hard disk. So I did some searching on the internet and found a real crazy way to recover the data. So, I decided to put it to the test since I have tried other ways to recover the data without success. I remove the hard disk from the laptop and put in the refrigerator!

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Are Hybrid Cars Really Green?

The argument is far from settled. What makes a car truly green? There are those who argue that since the car is made at a factory that uses fossil fuels in its production, it cannot be considered a green product. Some even maintain that there aren't any environmentally friendly cars. They do not care if the car uses energy from fossil fuel, hydrogen or natural gas they consider them all to be a danger to the earth.

Facts show that a hybrid is a great green car, even if you are using for short distances. Longer distances require the use of fossil fuels so, does that negate the fact that the car is emitting less harmful emissions into the ozone layer. Most people never travel over 60 miles from their homes so this makes a hybrid an excellent choice for them.

This question is a valid one since the hybrids are being billed as the hope of the future. The hybrid uses electricity to give the vehicle increased gas mileage. A byproduct is that while running on battery power the car doesn't have to burn any gas.

There is also the argument that from a cost standpoint the hybrid vehicles are way too costly to make. There is also concern about disposal of the batteries used to run the hybrid vehicle. It all boils down to a personal perspective on what is good or bad for the environment. While both sides make a good case, it is always best to let the consumer decide.

There is one fact that is for certain and that is the hybrid cars, leave less environmental footprints than any other vehicle to date. The hybrid is about as green as it gets, at least for now. The car itself, while being used, does seem to meet the requirements for a green vehicle.

When you begin to charge the battery, you have to at least take look at the big picture. Unless your home is run purely on solar energy or other green energy source, once you plug it in to recharge you are no longer dealing with a green car. The energy source for charging is an important factor for some in this debate.

Green is not an absolute and we have to realize this. For instance, a solar fountain is still a green product, even though fossil fuels are used in manufacturing the bowls and metals that support it. Likewise, although rain barrels are made from plastic in factories that use fossil fuels, they are considered green because of their final functional application in saving and harvesting rain water. Green is about making whatever changes are necessary in order to make a difference. A hybrid may not be as green as many would like but it is a good deal more environmentally friendly than the vehicles with combustible engines.
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Kids are like small plants that have the great potential buried within them for natural flourishment, which needs to be nurtured from the childhood with the help and supportive aids of knowledge, right learning procedure, and right attitude for grooming an innocent mind. It is necessary to provide proper output for training and education for kids in order to improvise them for a bright future for their better tomorrow.

Education is no more limited to book nowadays; apart from the world of books the world of Internet has unleashed a huge world of information. Multiple type of information are jotted down in different categories of websites and kids' websites are especially meant for kids' knowledge and for their over-all learning process by means of fun and learn methods.

In most of the popular kids' websites formal and functional education is imparted via entertainment and various learning methods. In general average kids are not in favor of formal education therefore playing and teaching combo method is best for kids' spontaneous learning inputs. It has been observed that the websites which follows kids' friendly learning methods are well accepted by kids as their favorite sites and depending on the functionality parents also recommends for this websites for their children.

Educational websites are obviously best alternative for all because these websites are authentic and are considered as best resources for advanced education. However, for kids always resource and authenticity do not work well which can initiate a spontaneous urge in between a kid to learn a subject and to learn the subject by loving the subject.

The websites which are specially meant for kids allow in general for their kids traffic meticulous and meaningful fun learning method which boosts the general IQ level of participating children and creates great impetus which proves learning friendly process with better effect than conventional practice-theory teaching method. Kids' exclusive websites take utmost care of child psychology and kids' preferences; this is one of the reasons while learning through a good kids' website children often found them complacent with the study method as well as with the new challenges imparted by website curriculum, hence result proves satisfactory.

Not only for studies and improvement of motor skills, a quality Kidz website helps in improving the level of general knowledge, personality development, improvisation of reasoning aptitudes, and over-all knowledge about different topics which are not always included into conventional academic syllabus. Over-all development of a child is one of the main concerns of the guardians and a quality kids' exclusive website plays pivotal role in imparting knowledge and support for kids' mental development.

Once upon a time a kid used to be taken care of other family members apart from their parents. Therefore it was hardly found that children used to suffer from loneliness. Nowadays, the pattern of nuclear family and working parents have induces some sort of boredom for the kids after their study session. In these situations, these kids' exclusive websites work like efficient granny or nanny who takes care of proper and healthy entertainment of a child and keeps his/her brain busy with quality workload.

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