Lost or Stolen ATM Debit Cards - Your Liability

As our economy becomes more and more digital, ATM debit cards have become a frequent payment method. This article discusses your liability for lost or stolen card charges.

ATM Debit Cards

ATM debit cards have certainly made life a lot easier. For many people, carrying around a checkbook is a thing of the past. My debit card has been used so much I can barely see the numbers on it anymore. The downside, of course, is inevitably you will lose the card. For the unlucky, the card may even be stolen. If this occurs, you need to act quickly to cut off liability for any of the charges.

ATM debit cards are not credit cards for legal purposes. With a credit card, your liability is limited to $50 so long as you let the credit card company know about fraudulent charges when you get your statement. The laws governing ATM debit cards provide much less protection.

If you report an ATM debit card missing, you cannot be held liable for any subsequent withdrawals or charges. However, the rules are different if the unauthorized charges happen before you report the card missing:

1. You are responsible for losses up to $50 if you report the card missing or stolen within two business days of unauthorized charges occurring.

2. If you report the card lost or stolen after two business days have passed, you could be on the hook for up to $500 in unauthorized charges.

3. If you fail to report the lost or stolen card within 60 days of receiving a bank statement with unauthorized charges, you are totally and completely liable for all charges.

While these laws may see unfair at first, they really arent. I procrastinate as much as the next person, but even I wouldnt wait 60 days to report a stolen or lost debit card. At some point, you simply have to take responsibility for your life. Heck, I dont think I could survive two days without a debit card.

If you suffer a lost or stolen ATM debit card, contact your banking institution immediately. Youll regret it if you dont.

Richard A. Chapo is a San Diego business lawyer with http://www.sandiegobusinesslawfirm.com - providing legal services and legal advice to businesses in San Diego, California.

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Successful Dating for Grown-Ups - Spontaneity is Over-rated - Planning is the Secret

The statistics for successful marriage counseling are not good. Most couples wait until the fuse is too close to the dynamite before seeking professional counseling. Now this is profound: rather than waiting for coupling issues to explode, why not become proficient in the skill of discernment and partner selection BEFORE coupling-up? Instead of relying on the whim of chance or the risks of "romance", why not create an intelligent, intentional plan for selecting a life partner?

You might answer, #1 because it isn't "romantic" (like divorce is???) and #2 because nobody does it that way!!!! There isn't a model for mature, aware and conscious marriages...so how would someone go about it?

There's another covert challenge to overcome: unconscious thought. Most single adults "date" like adolescents. 1) We automatically pose, puff and generally market (what we think are) our best attributes and hide the worst. 2) We all harbor unexplored beliefs and assumptions that lurk so far under the radar that we don't even suspect they exist. And 3) most of our learned ideas about relationships are WRONG....at least they don't seem to work out very well. And most of us have no clue as to their origin or the extent that they control us.

Do you like to watch movies? Even if you've already seen it, you might want to re-visit "Something's Gotta Give" with Diane Keaton & Jack Nicholson. Although their years attest their claim to maturity, they relate with each other like teenagers. They are grayer; they are richer; and they have keener relationship skills--except with each other.

It seems they are stuck in an "age-warp". He is an older version of the horny football captain and she is an older version of the idealistic prom queen. He wants an uncomplicated and convenient physical relationship; she wants romance and exclusivity. They don't quite match up, do they?

Despite their years, neither has any experience in creating a unique mature relationship. Without a model or experience in relating as romantic adults they seem trapped in their adolescent mode of behaviors and notions.

Like most romantic comedies, the rest of the movie is vignette after vignette of trials, errors, upsets and misunderstandings. Both know they WANT to get together, but neither knows how to get past their own issues. Through the course of the movie (because the script-writers are clever and adept), our hero and heroine learn about what really counts, how to take care of themselves as individuals and how to reflect on what they really want. But they are uncontrollably pushed and pulled by the events and their emotions rather than consciously choosing and responding from a position of personal strength.

And, here's where Hollywood makes a u-turn: "The End" is really the beginning and we don't get to see how they continue to resolve their day-to-day relationship challenges. We assume they live happily ever after...despite the fact that neither has explored the context of their experience.

So what to do? Become more intentional and aware of yourself and your relationships.

• Explore, Observe, Study, Imagine, Dream-- careful introspection is wise. Few people (maybe none!) are totally unaffected by their experience and life events. So, if you have been around the block a few times, you might want to re-assess your beliefs and notions that have evolved as a result of your experience. You are not the same person you were when you were 20...or 30...or 40. It doesn't make sense that you have frozen your requirements, needs and wants in a time capsule--they have matured with you. So, dig 'em up and take a careful thoughtful look at them. Throw away those that no longer fit and think about including possible new ones.
• Create a Plan. When you are clear about what characteristics you want in a partner and a partnership, make a list--but don't go "shopping". Re-read, revise and re-write your list over a few weeks (at least). Then delete or add characteristics as appropriate. This is YOUR list and YOUR life--you might as well have it the way you want it!
• Finally, Get Creative. Think of places you are likely to meet the person with the characteristics you're seeking. And get yourself out there. Look for a "friend" first; someone who aligns with you and resonates with your personality and lifestyle. Take it slowly and with care.

Finding a person with whom you are truly compatible seldom happens by accident. It can, but the odds don't favor "good luck". If you are interested in discovering specific steps toward starting your own intentional "find-a-partner" project, please visit: http://www.MatchMadeInHeaven2007.com A quick look-see might make all the difference in discovering options and making a plan.

Pet Grooming Business

Do you like animals? Would you like to work for yourself? Pet grooming could be the career for you.

A grooming business is more than just washing dogs. It can include cleaning ears, trimming nails, brushing teeth, and shaving the animals coat in stylish ways. The animal can be a dog, cat, pig or other type of animal.

With an animal grooming business, the choice is yours. You can have the clients drop their animals at our house or you can start a mobile pet grooming business. The options are limitless.

Starting a pet grooming business does not require that you become certified. Research different dog grooming schools in your area, and choose one that fits your needs. Try to find one that offers pet grooming business management classes with the actual pet grooming classes.

Once you are trained, or while you are in training, you should start to create a pet grooming business plan. Since you will incur some start up costs for your training, licenses, insurance, and equipment, having a business plan can help you obtain a loan to get started.

It is estimated that the industry will grow over 10% in the next five years. This means that your grooming business will likely grow quickly as long as you are professional at all times. This also means that you will have to complete some office work daily as well. Owning an animal grooming business is not just animal grooming.

Pricing can be difficult to determine, but a few phone calls to local grooming salons, or individuals who perform grooming, will give you and idea regarding what services you should be providing and an estimation of the fees. You will need also to decide if you business will be just a dog grooming business or if you will groom other pets too.

Because your business is client oriented, you will need to build a clientele list. The best way to do this is to get your name into your community. You can place flyers at pet stores and veterinarian offices, and animal shelters. You can create a press release for local newspapers and radio stations. You can even offer your services to the local animal shelter. If they like your work, they will refer people to you.

To keep on top of animal grooming trends you should plan to attend local dog and cat shows, and go to pet grooming industry expos, and conventions. You should subscribe to industry magazines as well, and check the internet frequently. It is a font of knowledge and there are web sites, such as PetGroomer.com that are there to help people start their animal grooming business, obtain training, and calendars of events.

Since you are working for yourself, you have to rely on your ability to keep customers happy. This means always being available for set appointments, maintaining a clean work area, and being professional at all times. Even though you work from home, or out of a van, professionalism keeps your clients coming to you and not another pet grooming business.

There are many ways to get into this industry. You can purchase a franchise, which give you the credibility of an established name. You can purchase a local pet grooming business that is currently for sale. Of course, you can start your own grooming business.

You should check with your local government for any zoning, licensure, and insurance requirements for your business. This is very important and could be the difference of your grooming business succeeding or failing. A dog grooming business is still a business no mater how much fun you have doing it.

Copyright Randy Wilson, All Rights Reserved.

Randy has dozens of home based business articles such as Best Home Based Internet Business, Ebay Money Making Tips and Medical Billing Service.

Leeds - The Stag Party

The Stag party. Your last night of freedom. Your stag party is the last chance to go wild with the lads before you tie the knot, so it needs to be memorable. You aim to have the party to beat all partys before, but the questions on your lips are How, and Where.

The answer is simple. Leeds.

Leeds is known as the party capital of the country, and with good reason. The night life is fantastic! Leeds offers a diverse range of venues spread over hundreds of bars and night clubs within the city. There is something for everyone in the city - if you are into Hard House, R&B, Dance, Rock or Jazz there is a club for you. Leeds even has its own drag club if watching guys dressed as women tickles your fancy!

Its not just the dancing, and drinking that draws the stags to the city - Leeds offers so much more to make your stag party memorable - Why not visit for the full weekend, and go paint balling with the lads, followed by a visit to one of Leeds many lap dancing clubs, or see who is the better driver at the local carting track. You have so many choices to pick from- quads, golf, football, comedy clubs, motorized sports, hovercraft, clubbing bus, and clay pigeon shooting.

When you book your hotel, you need to take into consideration its facilities. Remember, you are a large group of lads and not all hotels cater for that, not to mention allow it. However there are several hotels in the city that cater for large groups of lads - The Golden Lion Hotel is a prime example of the perfect hotel for your stag party. Its first and most attractive feature for any stag party is its 24 hour residents bar. You are free to enjoy a drink in between activities or at any time of the day! The hotel is classed as a luxury hotel with all its rooms decorated accordingly, but at a fraction of the cost of other luxury hotels. The hotel is located in the center of the city, only 5 minutes away from the bus and train stations, and also offers free overnight car parking.

Dont forget - Make your stag party one to remember.

Save up to 58% on your hotel by booking online at cheap-hotel-leeds.co.uk

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Wet Dry Vacuum, Handy to Have Around the House

The wet dry vacuum has the ability to remove almost all the particulate material found in the air. When the vacuum is operating the suction collects dust, dirt, allergens, mold and pathogens in the canister then the material is captured by the water in the cansiter preventing any particulates from escaping into the air through the wet dry vacuum exhaust. In fact some wet dry vacuum are so efficient that they are used as a power air cleaner. Through the use of a wet dry vacuum your house or office will not only have clean floor surfaces but have clean healthy air as well. If you have asthma or severe allergy problems you may want to consider purchasing a wet dry vacuum.

A wet dry vacuum is frequently used in industrial locations that produce high levels of dust that is harmful to the people working there. The removal of asbestos or lead paint materials from old buildings creates very hazardous dust that can permanently damage workers lungs and eyes. The use of a wet dry vacuum during the removal process captures asbestos fibers from the air and from work surfaces. This is also a location where the use of a quality wet dry vacuum can be used as an air cleaner to protect the environment. In addition wet dry vacuums are used where sterile conditions are required during the manufacturing process. Many electronic manufactures require a very clean environment to assure contaminants do not end up in the finished product. Without the use of wet dry vacuum technology manufacturing would be more difficult.

A wet dry vacuum has an additional feature that let you suck up liquid spills from just about any surface. Spills of non flammable liquids can quickly be removed and deposited outside or down the sink. Many construction contractors use a wet dry vacuum to do final clean up within newly constructed housing. Dry wall dust and some cases concrete dust removal is easily done with a wet dry vacuum. Power is important when selecting a wet dry vacuum. If you are going to use your wet dry vacuum to remove liquids and a regular basis then you will certainly want to select a high amperage model that has the power to lift heavy liquids. In addition you should select a wet dry vacuum that has a larger canister that contains enough volume to handle liquids. Basically no matter what the clean up task a good quality wet dry vacuum will do the job.

James Kesel,MS is the publisher of the Vacuum Cleaner Information website. Providing information on all vacuum cleaners including Kirby, Dirt Devil, Romba, Dyson and Eureka Vacuum cleaners.

What is a "Pour-Over Will?"

One of key parts of your estate plan is your "pour-over will." Yet, many people don't know what it is, what it does, or why it is needed.

First, what is a "pour-over will?"

Simply put, it is a last will and testament that states that if there is an asset that was left out of your revocable living trust, then the missing asset is to be put ("poured over") into your revocable living trust so that the missing asset will be transferred along with the other assets of your revocable living trust.

Another purpose of your pour-over will is to revoke any prior wills you might have had. This avoids the possibility of a conflict between what is stated in your revocable living trust and what was stated in your prior will.

The pour-over will can also state your wishes with regard to who will care for any minor children you might leave behind. This is called nominating a "guardian of the person" of your children. Your revocable living trust will probably contain provisions for the use of your assets for your minor children.

Does a "pour-over" will require probate? Yes. Probate is used to carry out the terms of your will. A will has no effect unless and until it is admitted to probate.

Often, we will not need to use the pour-over will to avoid probate if we have a General Assignment of Assets to our revocable living trust. You should check with your estate planning professional to determine if one is appropriate for you.

Good luck and until next time,

Phil Craig

P.S. Feel free to forward this on to any friends.

Phil Craig is a licensed attorney and entreprenuer. He started practicing law at age 25 in 1979. He does not take on any more clients, but is advisor to some of the biggest names in the internet world. He shares his knowledge gained over the last 25 years at his Living Trust Secrets newsletter site: click here=========>http://www.LivingTrustSecrets.com

** Attn Ezine editors / Site owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include our resource box as listed above.

If you do use the material please send us a note so we can take a look. Thanks.

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Diet Pills Real Weapon To Cut Down Extra Fat

Being obese and overweighed both are different things. Being an overweight mean put some extra weight in your body. On the other hand, Obesity has been defined as a complex disease of appetite regulation and energy metabolism. It is true because how much and what type of food you eat and how much of it is metabolized and processed by the body decides the ultimate weight of your body. Irrespective of the genetic make-up of the body, obesity is generally caused by peoples negligent eating behavior and lack of physical activity.

Overweight has become one of the leading health concerns in the world today and people from every age are suffering with it. Being overweight put you at a risk of developing high blood pressure and many other serious health risks like heart diseases, strokes, different types of cancers, diabetes and moreover, obesity can even be life-threatening.

Losing weight is very hard but not impossible. Nowadays, there are so many weight loss drugs are available in the market. With the help of these weight loss drugs like phentermine you can prevent the weight gain and hence attain the desired weight loss in a few weeks. So phentermine immediately for easy and safe way of attaining weight loss.

Phentermine diet pill is usually used along with proper diet, regular exercise and behavior modification to treat obesity. You are advised to take medical assistance before taking phentermine since you may fail to take right dose, and may know nothing about its possible side effects, which are better solved by a doctor.

Phentermine is an invention Drug which belongs to the class of anorectics which acts on the Central nervous system to inhibit the feeding centre and hence control the hunger. FDA approved prescription drug phentermine should be used for short-term to cure obesity, normally up to 12 weeks while following other measures to weight loss such as healthy dieting and Proper daily exercise etc.

Mostly people try to loss those extra calories on our bodies just to appear slim and trim. But before we start any weight loss program you should consult your doctor, it is very important to understand that which one is the right ways to lose weight. Adopting any wrong way can take you to several problems. Nowadays, mostly people are focus on diet pills like for quick weigh loss loss. But it is very vital to seek your doctors permission before go through any weight loss diet pills.

Willam Stuart is an associate editor to the website http://www.slimroute.com The website offers complete information on weight loss through breaking news, personal views, and articles on weight loss. We also provide requisite information about the numerous weight loss pills such as phentermine, adipex & didrex.etcYour feed back comment and suggestions will be highly appreciated at wilstuart@gmail.com

Diet Tips For Lowering Cholesterol

As you must know by now, lowering blood cholesterol - by any means - diet or medication decreases the risk of different diseases and problems like angina, heart attack and stroke. This decrease in risk, to a certain extent is connected to the decrease in the bad cholesterol levels (or LDL-C). However, another indicator or reduced risk is the ratio of bad and the HDL or good cholesterol.

Tips for a healthy diet

Whether you suffer or not from high blood cholesterol, it is recommended that you follow at least some of the advices below:

In order to maintain a healthy weight try eating moderately

If the average person should only consume 2000 calories per day, it is very important that the fat intake is below 30 percent of total calories. This means no more than 66 g of fat each day

For people with extreme increases in blood triglycerides or cholesterol, very-low-fat diets have also been found to be effective. A simple example would be 10 percent of total calories per day as fat.

Saturated fats should not make up more than one third of your daily fat intakes. Remember that saturated fats are mainly animal and dairy fats and can really raise your cholesterol levels.

Very small amounts of high-cholesterol foods such as egg yolk and organ meats should be eaten, and it is recommended that you do not eat more than one such dish per week. Eat more foods that have lots of fiber such as vegetables, fruits and whole grains. Eat a fish dish at least once a week.

Two very important omega-3 fatty acids, EPA and DHA are contained in fish oils. It has been proven that people who eat a fish dish at least once a week have fewer heart attacks than those who eat fish rarely. Fish oils help decrease cholesterol and triglycerides level. Also, fish oils interfere with blood clotting. People who have severe problems with their triglyceride levels (they have a butter-like fat), these omega-3 fatty acids can have a tremendous impact on those levels.

The average North American diet does not contain enough omega 3 in their diet, and it is recommended that any diet cholesterol related or not include plenty of fiber in the form of whole grain, vegetable and fruits. You can lower your cholesterol by up to 10 percent by increasing the type of fiber, such as the one found in oat bran, psylium and pectin.

Jean Helmet is a content editor who focuses on a wide array of niche health topics. Her latest website - Natural Cholesterol Supplement focuses on cholesterol as a whole, and in partcular, a natural product our editors personally use with excellent health results known as - Cholest-Natural

Be sure to check out our cholesterol product of choice, it is the natural supplement we use and recommend to friends and family, and have done for over 3 years.

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