- If you want a free credit report, you have to go to the right Web site or call the right phone number. You are entitled to a free credit report every 12 months from each credit-reporting agency. But be careful. If you go to the wrong Web site or call the wrong number, it will cost you. To get your free credit reports from the big three providers, go to www.annualcreditreport.com or call (877) 322-8228.
- If you apply for some kind of government grant - and learn after you submit it that there are application fees of $300 or more - then you are probably being scammed. If the company follows up its request for an application fee with requests for your bank account number, bank routing number and Social Security number, then you have confirmed the scam.
- Charities lose money on fun runs, golf outings, black-tie balls and other special events. In 2006, charities nationwide generated approximately $40 billion in contributions from fund-raising activities like these. But a new investigation by Charity Navigator, a leading charity evaluator, describes fund-raisers as “vastly inefficient” - and notes that one organization spent more than $200 for every $1 dollar in contributions it generated from its special events.
- Mothers may be the heart of the home and the ones who traditionally provide the rest of the family the most care and attention. But it’s a thankless job. According to a survey of 1,062 moms by BizRate Research for Shopzilla, a comparison-shopping search site, 47% of mothers view themselves as the least happy member of the family. Mothers surveyed say they are unhappy because there isn’t enough time in the day to get everything done (64%); they are worried about finances (54%); they are overworked or overwhelmed (44%); or taken for granted by family members (39%).
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