Browsing Category

Guide

Guide Home Improvement

Can I Afford To Hire a Housekeeper?

Just about everyone considers it from time to time. Maintaining and keeping a home clean can be overwhelming. Getting a little outside help could make your life much easier. For many, the thought of hiring a housekeeper is a distant dream … or so they think. By doing a bit of math and planning you might be surprised to find out that you can afford to hire a housekeeper.

Time is money. We all know that. If you think about the time you spend cleaning your house and the value of that time, you might realize that you are losing a lot of money by not hiring a housekeeper. I first realized this some years ago when a self employed friend was having an argument with her husband. She wanted a housekeeper, and he thought it was a waste of money and that they could do it themselves. She asked for my advice and after some thought I looked at how much time she spent cleaning and multiplied that by how much she made per hour when she was working. Well, if she made $50.00 an hour and cleaned for 8 hours a week, then she was losing $400.00 a week! If she paid a housekeeper $100 a week to do the same work, then it was crazy to not have a house keeper.

Affording a housekeeper is about a lot more than money. The value of your time extends beyond how much money you can make. If you are losing time with your family and are having family friction over cleaning duties, it might be a good idea to hire help to allow you to enjoy your life more. Many people are asking the question that can they afford платен домоуправител мнения? The answer is yes, the charges of the managers will be less and the services will be excellent. It will increase the engagement of the owner in housekeeping and results will be effective.

Hiring a housekeeper can also make you more productive. If you are the type to be distracted by things out of order and so you can’t focus at home because you always want to fix or clean something, a housekeeper can help you break that habit. You might be less inclined to constantly clean and arrange items if you know that the housekeeper will take care of it all when they get there.

Hiring a housekeeper will lessen the stress in your life. By having a home that is cleaned regularly you will have less clutter and chaos in your home. You will spend less time looking for keys, glasses, and other items that can disappear in a dirty or unorganized home.

Hiring a housekeeper, even for a season, will give you the motivation and discipline you need to keep your own home clean. If you know that your housekeeper is showing up every Tuesday morning, you will be more likely to do the laundry, strip the beds, and put away mail before they come. This will help you to stop procrastinating with housework and train you to be a more effective housekeeper.

Gaming Guide

Slot Games- Moral Dilemma

Where have we come to as a society that claims to be learned and mature but indulges itself in activities considered to be bad and nefarious. Well, it depends on an individual’s perspective on what he/she thinks as good or bad as what you consider to be bad can be good for another.

Let us take a look at the one thing that can be put into either category and yet, can’t be fully classified as good or bad. It has attained so much fame in the form of infamy that it is considered the most polarizing thing of all.

Gambling has admirers and critics in equal measure but still continues to be played all over the world as it is too tempting for anyone to be ignored and also comes under many forms of games like slots, blackjack, poker, roulette and so on.

To Slot or Not to Slot

Slot machine is the most popular of all and there isn’t a casino in existence that wouldn’t have atleast two slot machines for people to try their luck on. Situs Judi slot online is an excellent alternative that can be played online where the stakes are generally high.

In true Shakespeare fashion, it all depends on the individual on whether he wants to slot or not and this moral dilemma has to fade. You can try out certain alternatives such as:

  • You can try out table games instead of slot in a casino as you have a lesser chance of losing than compared to other gambling forms
  • A slot machine requires nearly 500 spins per hour and you have 3 coins to tryout. A player can bet $1800 each hour so you know better how much you stand to lose
  • Video poker should be tried out for once and the house edge is less than 5% so it is a great substitute for slot machines.
Guide

Glaze Painting Techniques

The glaze used in painting is a clear liquid that is mixed with opaque paint to create unique finishes on walls, cabinets, and furniture. This type of faux painting is to create effects like old antiques or worn crackling with the help of special Painting Kits that are designed for this purpose only. The glaze comes in latex and alkyd-based forms that dry slowly in order to develop quality finishes. Glaze application is either by applying it to surfaces or wiping it off and sometimes a combination of methods.

  1. Latex glaze should be mixed with latex paint. Alkyd glaze should be mixed with alkyd paints.
  1. As a basic rule for mixing paint with glaze, use 1 part paint and 4 parts glaze. Variations of this formula depending on the look you are trying to create.

Applications:

  1. Sponging- lightly dip a sponge into the glaze-paint mixture then stamp it onto surfaces. Different raised textures depend on the amount of glaze used. Using a few colors adds depth to the effect.
  1. Streaking- use a putty knife or other various edged tools to apply the glaze. The effect looks like random streaks by spreading different amounts of glaze in desired directions.
  1. Rolling- paint rollers come in many sizes and textures that allow for the glaze to be applied with specific grains. This is the fastest way to paint large areas.
  1. Brushing- use a paintbrush and unevenly brush on the glaze. This can create a rustic look with dimension by adding multiple layers of glaze.
  1. Wiping- apply glaze to the surface then use an old rag to manipulate the glaze. You can smear or lightly wipe away the glaze. To age, a surface, wipe the glaze so it is lighter in the flat areas and allow the corners and cracked areas to be dark.
  1. Distressing- apply glaze to the surface and use a dry brush to make crosshatches. Use small and quick brush strokes. Vary the direction of the strokes randomly.

  1. Crackling- a special type of glaze, Crackle Glaze, is readily available to create a crackled look. Effective application for this effect requires 3 steps done incorrect order.
  • First, paint the surface with one color. Only use paint. Do not add glaze yet. Then let it dry fully.
  • Second, apply the clear colorless crackle glaze on top of the first layer of paint.
  • Third, then apply another layer of paint in any color different from the first layer of paint. The paint automatically cracks as a chemical reaction to the layer of glaze. The crackled paint allows the bottom layer of paint to become visible. The end result is cracks, buckling, and lines of paint in various directions and colors.

Tips:

  • Buy all of the paint you need at once to prevent getting the wrong colored paint if you run out. Custom mixing is hard to replicate again.
  • Use lighter colors in small rooms. When choosing paint colors, a color with its lighter and darker shades all work well with each other. Paint stores also provide complimentary color cards for convenience.
  • Think twice about the dark color you want. Dark colors are very difficult to cover up, not to mention costly.
  • Test the color on the surface you want to paint before full application to see if it is the color and shade you want. Most stores allow returns on paint. You can sometimes buy returned paint for cheaper.
  • Keep the glaze relatively thin or else it will become goopy and unworkable.
  • Don’t be afraid to make a mistake in the application. Mistakes can turn out to be the best-looking piece.
  • Think about adding a top layer of polyurethane gloss to seal in the new effects.
  • Painting is a messy job. Use tarps to protect furniture and floors. You might want to consider wearing gloves and old clothes. A facemask might be necessary if you cannot tolerate the smell.
  • Only use oil-based paints if you have time to allot for slow drying and clean up. You will need oil paint remover to clean brushes and containers.
  • You get what you pay for in paint quality. The most expensive paint is not necessary but it has better coverage and consistency compared to cheaper paints.
  • Consult your nearest hardwood stores for more techniques.
Guide

How to Naturally Reduce Bloating

Bloating is a very common, as well as a very unpleasant, feeling. There are many different causes of bloating. Certain conditions, such as menstruation, may cause you to become bloated. What many people do not realize is that there are also certain aspects of your lifestyle that can cause you to become bloated. No matter what has caused you to become bloated, it is important to realize that there are a number of different things that you can do in order to naturally reduce bloating. Here, we’ll take a closer look at a few of these things.

How to Naturally Reduce Bloating – Monitor the Foods You Eat

One of the best ways to naturally reduce bloating is to monitor the foods that you eat. Figure out which foods cause you to feel more bloated than others. After you have figured out which ones cause the most harm, you can either eliminate them from your diet entirely or only eat them in moderation. Some of the foods that you may want to closely are foods that are high in fat, greasy or starchy, such as white rice, bread or pasta.

How to Naturally Reduce Bloating – Avoid Too Much Sodium

When you are feeling bloated, you will want to avoid soda, chips and various other foods that may be high in sodium. The main reason is because these foods retain water, which ultimately causes you to become even more bloated. Although most people believe that the best thing that you can do when you feel bloated is drink Ginger Ale to relieve cramping, gas and abdominal pains, doing so will cause you to feel even more bloated.

How to Naturally Reduce Bloating – Increase Your Water Intake

Many people think that water increases bloating, mainly due to water weight. Although it may be true that water can cause you to feel more bloated, it will actually help you naturally reduce bloating in the long run. One of the reasons is because it will help you reduce the amount of soda or other high sodium beverages you may consume.

How to Naturally Reduce Bloating – Don’t Forget to Exercise

Many people don’t realize that exercise does more than help you maintain a healthy body. Medical research has also shown that exercise can help the digestive system regulate itself, which is a very important key to reducing bloatedness. Getting yourself adjusted to a regular exercise regimen will not only help you naturally reduce bloating, but it will help you feel better about yourself in other ways as well.

How to Naturally Reduce Bloating – Add More Fiber to Your Diet

As previously mentioned, a regulated digestive system is essential to feeling less bloated. The best way to regulate your system is to add more fiber to your diet. Along with your regular exercise regimen, it’s likely that adding more fiber to your diet will help your body naturally reduce bloating. The concentration level of the person will be increased through the intake of pills available at https://www.mypillapp.com/improve-memory-and-concentration/ site. The ratings and reviews should be checked through the person while taking the pills for increased mental strength. 

There are just some of the many things that you can do in order to naturally reduce bloating. Many people think that the best thing you can do is wait out the feeling of bloatedness. However, taking these natural steps to easily reduce bloating will help you reduce bloating. What this means is that you will no longer experience abdominal cramping or pain and that you will also begin to feel more confident about yourself once the bloating has reduced.

Guide

Polyamory: Look Before You Leap

Polyamory. The word can elicit a multitude of reactions, ranging from “What’s that?” to “That sounds fun!” to “You’re going to hell!” Most reactions come from a misunderstanding about what polyamory is, so first I will try to explain it. The word “polyamory” means “many loves,” and is used to described consenting, intimate relationships between three or more adults. The key here is that they are consenting relationships. So if you have a girlfriend that you haven’t told your wife about, sorry, you’re not polyamorous, you’re just cheating. There are as many combinations of polyamorous relationships as you could possibly imagine. Some great info is available at alt.polyamory (http://www.polyamory.org/) and Polyamory? What Like Two Girlfriends? (http://www.xeromag.com/fvpoly.html)

After exploring what polyamory is, you may be considering this lifestyle for yourself. Here are some things to consider before you do:

  1. Communication is key.

I can’t stress this enough. If you cannot be completely honest with your partner(s) then polyamory will not work for you. And completely honest means telling them when you’re feeling jealous, telling them when you are lonely, telling them when you feel neglected, and telling them if you feel that poly is not for you.

  1. Jealousy happens.

You may think that you won’t get jealous; that you can love someone and share them without any worries. You may be right. You’re probably wrong. Humans are clingy creatures, we like attention, we like to keep our toys to ourselves. Jealousy is a natural reaction when you aren’t getting the attention that you think you deserve. It also pops up when you’re feeling insecure, comparing yourself to the other(s), or feeling depressed. Don’t try to bury the jealousy, acknowledge it, accept it, discuss it with your partner(s), and move on. It may take awhile to move on, but keeping the communication going will help.

  1. If it feels wrong, it’s ok.

If you find yourself involved in a poly relationship and it feels wrong, for any reason, that’s ok. Be honest with yourself, be honest with your partner(s) and be prepared to move on. Don’t stay in a poly relationship simply because you are in love with one of your partners and don’t want to lose him/her. You will only be miserable, resentment will build, and the entire relationship will collapse. There are many, many reasons you may feel wrong in a particular poly relationship. You may be uncomfortable with poly in general, and a monogamist at heart. Or it may be that you are simply not in the right relationship. It’s ok to back away.

  1. Don’t bounce back and forth.

It’s not fair to your partner(s) to bounce between polyamory and monogamy just because you are feeling uncomfortable or jealous. Make the decision to be polyamorous. If for some reason you find that it’s not working for you, step away from the relationship. You can ask your partner to end their part of the poly relationship, but if they don’t, it’s not fair to hold it against them. You can continue the relationship, and deal with your own emotional issues, or you can step out of the relationship entirely.

  1. Find a counselor.

It may be difficult to find a poly friendly counselor, but it can be done. Call around, ask a lot of questions. Search the internet. Try the listing of poly-friendly counselors here: http://www.polyamory.org/SF/poly-friendly.html Counseling is important because it can open the lines of communication between you and your partners in a non-threatening setting. You can get a third-party perspective on what some of your issues are, and that insight can be invaluable.

Counselors maybe the last resort when it comes to mending relationships that are on the brink of decline, but ultimately they prove to be quite successful by providing helpful advice on how to forget bitterness and move on with a new start and Cialis Deutschland is a helpful one that deserves a mention.

Polyamory is not right for everyone. It may or may not work for you. But if it’s something that you and your partner want to try, these tips may save a lot of heartbreak.

Guide

Signs of a Controlling Relationship

When you first start dating someone, their true colors rarely show within the first few dates. Most everyone puts on a little bit of an “act” to try and win over the other person. Once you get past the “new” phase in a relationship, you will start to get to know the good qualities, the bad qualities, and the ugly qualities. If you are lucky, the bad and ugly aren’t terrible and you can deal with them. For the others, it is not so simple. Men who are controlling often hide it in the early stages of the relationship and some even hide it all the way through until marriage. There are some warnings signs to signal a possible controlling relationship, but most often you won’t notice until you are living it. It is important to discuss how things will be handled before marriage in regards to things such as money, children, and other things of that nature. These are some of the warning signs you should be aware of.

You Have No Say Over Expenses

This is where the control usually begins. Even if you aren’t working (for whatever reason) or if you are making less than your partner, you should still be entitled to have your say on what needs to paid, spent, and done regarding the relationship. Money equals power for a lot of people and this is where things start heading downhill. If your partner insists on a joint banking account, make sure you have a debit card as well. If he/she insists on having separate accounts, make sure you have enough money in your account before giving him/her anything. The ones who are the “controller” use this tactic as a way of keeping you around. If you have no money, how can you leave?

You Are Talked Down To

Breaking a person’s self esteem is never something that is okay to do. The “controllers” will try and belittle you and make it so you are almost broken inside. This is another tactic to make sure you won’t be going anywhere. You will start to question your beauty and your self worth. This is not only a control issue, but an emotional abuse issue. If you start noticing you are being chastised you need to speak up for yourself. If it becomes habitual, it is time to find a new relationship or marriage. This is probably the warning sign you yourself have the most control over.

You should never be reduced to playing second fiddle or a doormat to your partner, be it male or female as self-respect is the most important thing for anyone to possess. If the other person is stubborn and insists on having things his/her way, then take it as a sign and end the relationship right then and there before things fall apart in any case and become a Cialis kaufen of sorts. 

You Become Isolated

Isolation is a scary thing. Sometimes when you get married or start a new relationship, friends seem to come around less and less. At some point in your life, all (or the majority) of your friends will be married an attached. It is important to at least make contact with your friends weekly, even if only by email. Allowing yourself to only have socialization while your partner is around or only with your partner can be a control tactic as well.

Keep in mind that when you are in a controlling relationship, you may not always see these warning signs. If you feel that you are stuck in a situation or feel alone, reaching out to someone is always the best way to go. Remember you deserve to be treated with respect and kindness.

Guide

Ten Super Facts About Coffee

First thing in the morning, most Americans grab the first cup of coffee, drink it up, and then have another. Some folks drink coffee all through the day, oblivious to the effects of all the caffeine. Throughout the world, coffee is the morning beverage enjoyed by many, replacing tea as the number one beverage.

Here are ten super facts you should know about coffee.

  1. Coffee was first discovered on the continent of Africa. Wild coffee berries were found in Ethiopia and later planted in the Middle East, to be enjoyed by Muslims. These wild coffee berries are also known as Traditional coffee beans as they were first introduced by the continent of Africa and was later on accepted globally. 

  1. The recent top coffee producing countries of the world are Brazil, Vietnam, Indonesia, Colombia, and Ethiopia. Brazil produces twice as much coffee as Vietnam. Vietnam is a large producer of robusta beans. Robusta beans produce a less than ideal taste but are now used in most American manufactured coffees because it is inexpensive.
  1. Coffee beans are the second most traded product in the world, lagging just behind petroleum. Coffee prices often fluctuate depending on crop output and commodity prices in international markets.
  1. Coffee has been shown to have many health benefits for the heart, mind, liver, and other life-sustaining organs. Coffee is also been known to relieve headaches when mixed with pain medications like ibuprofen.
  1. Coffee’s popularity rose in America mostly because of the British. During America’s revolution, tea became scarce in the New World, and coffee consumption increased.
  1. Starbucks started roasting and selling burnt and overpriced coffee drinks in 1971 and is now a world leader in specialty coffee drinks.
  1. September 29 is National Coffee Day in the United States but is not celebrated with parades of giant Arabica beans, giant balloons of coffee cups, or marching bands singing the praise of this fine morning beverage.
  1. Unless decaffeinated, coffee contains the stimulant caffeine. The average cup of coffee has 130 milligrams of caffeine. Tea has variable amounts of caffeine, but usually has half the caffeine of coffee.

Coca-cola has 35 milligrams of caffeine per 12 ounces serving, while a chocolate bar has about 12 to 15 mg.

  1. Ironically, a high executive of the popular beverage chain, Starbucks, is also the chairman of the National Coffee Association. No small wonder there is a Starbucks store on every corner block of every American city.

  1. A P; was the originator of Eight O’Clock Coffee, a favorite coffee of most Americans. Many say Eight O’Clock coffee has a great taste rivaling Dunkin Donuts and Folgers for best-tasting coffee.

Time for a cup of coffee? Head over to any local coffee shop, diner, or gas station to get your favorite coffee beverage. Better yet, brew a couple of cups at home, open up the newspaper, and finish that crossword puzzle you didn’t finish from Sunday morning.

Gaming Guide

Final Fantasy XIII Chaining Guide

Final Fantasy XIII has come up with a new unique form of combat with the paradigm system. In this new style, the main way to deal damage to an opponent is to build a chain bonus. Proper guide will be provided about the catching of the pokemon at Pokemon go account. The bonus and rewards should be available to the beginners for becoming an expert at video game.

Building a chain is simple to begin with but as your enemies become tougher, it is vital to balance out your paradigms to keep the chain alive. Here are some tips and guidelines to make sure you reach your chaining goals.

I) Use a Commando to start a chain.

Attacks from Commandos don’t add much to your chain bonus but are a vital part of chaining. The benefit of these attacks is that it slows down the rate at which the chain bar decreases, giving you more time between attacks.

II) Use a Ravager to build a chain.

Magic attacks from Ravagers build large amounts of chain bonus but also increase the speed at which the chain bar decreases. Remember this when deciding to use a Ravager, Ravager, Ravager paradigm.

III) Saboteurs help too.

Don’t be afraid to replace a Ravager with a Saboteur in longer battles. They build a decent amount of chain bonus while debuffing your enemies. This will allow you to benefit more from your chain bonus.

Paradigm Systems for Chaining

This section will guide you through what order to use your paradigms in to build a high Final Fantasy XIII chain bonus.

1-1) Commando, Ravager, Ravager

For your average fight, start with this set. This is a great balance between adding a chain bonus and slowing the chain decrease. If you are not satisfied with your rate of chaining, use 2-3 sets of attacks from your Commando before swapping to a Ravager, Ravager, Ravager.

1-2) Commando, Ravager, Medic

1-3) Commando, Sentinel, Ravager

Use whichever of these you feel more comfortable with to build chains against mobs that have a high damage output against your party.

2) Commando, Medic, Medic

If you took a lot of damage while chaining, switch to this paradigm to heal quickly before your enemy hits stagger. Once healed, switch to your optimal damage paradigm.

3) Ravager, Ravager, Ravager

This is recommended only if you need to increase your stagger chain quickly. If you feel you don’t need it, swap to number 4. If you use this, after about 2 sets of attacks, swap to a your damage paradigm.

Note: Do not use this paradigm before using 1-1 or it may be difficult to build a chain bonus, though not impossible.

4) Commando, Commando, Ravager

Finish the fight. The Commandos will keep the enemies in the air while the Ravager supports with magic.

This is in no way an absolute guide to win every fight in Final Fantasy XIII, but rather a general guide to building a quick chaining bonus, which will be needed. Change and adapt the tactics according to your playing style and enemy.

Guide Health Medical

First-Person: Vytorin Enhance Study And Its Implications

The ENHANCE trial for the cholesterol lowering drug Vytorin was completed in 2006, yet the release of the results was delayed by nearly one and a half years, with the results only being shown to the medical establishment and the public yesterday, January 14, 2008. Why the delay? The heart disease moderator at About.Com believes that it is possible that the delay gave the manufacturer time to manipulate the study results to make them appear more positive.

Vytorin is a combination of two expensive and high selling drugs made by Merck/Schering Plough, a large pharmaceuticals company, these drugs being Zetia and Zocor. Significantly, Zocor’s patent protection ended in 2006, just around the time the new combination drug Vytorin hit the market. Pharmaceutical makers are well known for repackaging no longer patented drugs in an attempt to continue to make large sums of money from them.

The study is disturbing, in that the results showed that while Vytorin does significantly lower LDL (or BAD) cholesterol, it appears that patients taking the drug had more heart attacks and other problems related to high cholesterol, and that the patients in the study also had MORE plaque in their arteries after the study was concluded than at its onset. In fact, one doctor states unequivocally that Vytorin should be used only as a therapy of last resort when nothing else appears to be working. These results are frightening to those of us taking Vytorin.

Forbes.Com states that perhaps it is time for the outside researchers doing these drug studies to have the control over the databases created for the analysis of study results. I could not agree more, as this will help to prevent the future manipulation and delay of data reaching the health consumers whose very lives depend on the medications being studied.

I have been taking Vytorin for approximately one year now. Up until these test results were released, I considered it to be a miracle drug, as shortly after I began Vytorin therapy my LDL cholesterol lowered significantly, right into the “normal” ranges, albeit at the high end of that. Now that I have read the results of this study, I find myself wondering what my arteries are looking like, and imagining that I can hear them hardening with every bite of food and every dose of Vytorin that I take. I wonder if I would be safer taking no medications whatsoever rather than taking drugs that turn out to be not only potentially useless, but potentially life threatening as well.

Having in the past found that many of the over fifteen medications that I need to take on a daily basis in order to sustain my life have wound up showing that not only are they not all that beneficial, but in many cases dangerous (Phen-fen among others), I find that this study is the final straw for me and that I will no longer accept any medication that has not had a very long and positive track record of at least ten years on the market. It seems to me that the pharmaceutical companies are using the people who rely on their medicines as guinea pigs, and I for one am unwilling to participate in this any longer. I value my life too much, and it is my hope that other patients out there feel the same way.

Big Pharmaceutical needs to stop taking gambles with the lives of those of us who need medication in order to live a long, healthy, and fulfilling life. It is not acceptable for these huge corporations to be getting rich off of selling what, in the final outcome, is just more snake oil. More intensive regulation of these companies, their studies, and their medicines are called for. The bacillus subtilis supplement will result in good and excellent immune system. The immune system will work appropriately for lessen the infections in the lungs and other body parts. Experts are prescribing the dosage of the medicines to the body.

It is time for the FDA to do stop dillydallying and do something about the companies that are using the American people as guinea pigs without their consent.

Finance Guide

Is Greece Funding Its Economy By Hacking Us Banking Clearinghouses?

A Recent Catalyst – City of Portland TN Bank Account Hacked – Unauthorized Withdrawal

The report that the City of Portland, TN had its bank account hacked reminded me of a similar personal victimization.

In November 2008, a small, unauthorized withdrawal was made from my credit union account. It was only $29.99; but my credit union never should have allowed the withdrawal. so how did it happen? How did they get access to my bank account?

Bank Account Compromised (at the Bank and Federal Level; no Passwords required!)

This was a very serious situation that led me to think that if my bank account can be hacked, you can imagine what the situation could be for others, not to mention the subsidiary banks that are underneath it. As of now its only 29.99, tomorrow it might be ten times more and the consequences would be disastrous if that were to happen. I thought of going for an rfp consulting immediately after it happened so as to prevent something worse from taking place.

December 6 th is when I noticed an odd withdrawal by “MB Moon Park,” a company I had never heard of and certainly did not do business with. I contacted my credit union and they agreed to reimburse the unauthorized withdrawal. My account had been compromised, but not in the traditional sense – not via phishing or virus. Per the credit union, they weren’t sure of the details but later showed me that they had changed to newer account numbers, yet leaving old account numbers in place. They failed to notify customers of the change, and of the fact that the old account numbers still were active.

They explained that, due to laws requiring “fast EFT ACH electronic check cashing” between businesses and Automated Clearing Houses (ACH) , and from bank-to-bank, the banks immediately honor electronic check headers (EFT requests), without additional verification. They said that since, at one time, the account number had been valid; and I had authorized EFTs on that account, the requests were honored. I never authorized “MB Moon Park” specifically to present checks against my account!

New York Check Cashing Companies – in League with Greece and Russia?

Searching Internet “scam and complaint sites,” I found that the scam was a more wide-ranging scam than I first realized. Talking with Pitt County NC Detective David Flynn , who was investigating local victims, it turns out the culprits may be “check-cashing stores” in New York, who ultimately transfer the money to accounts in Greece and Russia

Under-the-Radar Small Withdrawals with Custom-Crafted EFT headers and Hardcopy Checks

By November 2009, some 300 people had been identified as having been victimized. The scope was expected to be much larger – later confirmed to be upwards of 1,000. The problem with getting the feds to take action was two-fold: first, the amount of damages needed to be $100,000 or more; second, the amounts stolen were spread out over the U.S. and were small amounts that usually don’t flag FBI or consumer attention.

Some victims had been involved in selling Mary Kay cosmetics (my wife was a Mary Kay distributor), so there may be a connection. The EFT header and canceled check the credit union showed me had very old information, crafted with only my wife’s name and an old house address – yet we never had our checks created that way. Clearly, criminals obtained old account information and found a way to present electronic checks against virtually any valid account, without requiring prior authorization. At the height of their activity, the criminals reportedly had been withdrawing as much as two million dollars per month from their “holding account.” At last check, after about 4 years, the FBI finally had taken the case, had frozen what assets it knew about, yet had made no arrests.

Bottom Line – Always be Vigilant with Financial Matters!

Arm yourself and fight thieves – check your credit card and bank statements on a regular basis and shred (or burn) old account information!