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	<title>Ken Savage Making IT in Massachusetts &#187; Consumerism</title>
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	<link>http://www.kensavage.com</link>
	<description>Ken Savage Writes About Technology, Music, TV, Movies in Boston</description>
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		<itunes:subtitle></itunes:subtitle>
		<itunes:summary>Erin and Ken Savage write articles about Technology in New England, Music, TV, Movies, Family and Friends.</itunes:summary>
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		<itunes:category text="Society &amp; Culture"/>
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			<title>Ken Savage Making IT in Massachusetts</title>
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		<title>I Know Where to Buy Zu Zu Pets Hampsters</title>
		<link>http://www.kensavage.com/archives/zu-zu-pet-availability/</link>
		<comments>http://www.kensavage.com/archives/zu-zu-pet-availability/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 15:38:54 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[zu zu pet]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/?p=2409</guid>
		<description><![CDATA[I Know Where to Buy Zu Zu Pets or Zhu Zhu Pets. Whatever you call them. Are you finding that the Zu Zu Pets are sold out at your local toy store or Toys-R-Us?
They call them &#8220;The Smartest Pet Hamsters Without The Work&#8221;. I don&#8217;t know about that but the kids do seem to love [...]<p><br/><br/><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/">I Know Where to Buy Zu Zu Pets Hampsters</a></p>


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			<content:encoded><![CDATA[<p><a href="http://www.kensavage.com/wp-content/uploads/2009/11/Zu-zu-pets.jpg"><img src="http://www.kensavage.com/wp-content/uploads/2009/11/Zu-zu-pets.jpg" alt="Zu-zu-pets" title="Zu-zu-pets" width="280" height="190" class="alignright size-full wp-image-2410" /></a>I Know Where to Buy Zu Zu Pets or Zhu Zhu Pets. Whatever you call them. Are you finding that the Zu Zu Pets are sold out at your local toy store or Toys-R-Us?</p>
<p>They call them <strong>&#8220;The Smartest Pet Hamsters Without The Work&#8221;</strong>. I don&#8217;t know about that but the kids do seem to love them. Hey they&#8217;re cheap enough that Santa can get them for your little boys and girls for Christmas and they&#8217;re pretty cheap. If you call $40 an inexpensive gift for your child.</p>
<p>If you don&#8217;t know by now, Zu Zu Pets are the &#8220;Tickle Me Elmo&#8221; for the 2009 Christmas season!</p>
<h3>Here&#8217;s Where You Can Buy Zhu Zhu Pets</h3>
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<p>Cute little battery operated hamsters that &#8220;zoom&#8221; around just like a real hamster. Just like a real hamster, Zhu Zhu Pets are fuzzy and furry, make cute little sounds, and are just overall adorable. But probably the best features of these toy hamsters for parents like us are the fact that they don&#8217;t poop, chew your tv wires, shed their fur, or need to eat.</p>
<p>Best of all, when they &#8220;die&#8221; just pop in a new set of batteries and your child&#8217;s little hamster friend will be good as new again!</p>
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<p>Both kids and adults will love the kooky Zu Zu pet hampsters. Your kids will enjoy playing with them even long after it&#8217;s <a href="http://www.kensavage.com/archives/take-down-christmas-tree/">time to take down the christmas tree</a>, and parents will love the fact that there is no messy clean up. Your children will enjoy hours of fun with these toys that interact with them. ZuZu’s pets look just like real hamsters, and they are plush. They are expected to be the latest, hottest new toy to hit the market in years.</p>
<p>A higher realm of artifical intellegence has been reached by the Zu Zu hamsters. These beautiful stuffed toys are one of a kind, each has its own personality. Each of the four adorable hamsters has two play modes for any child to enjoy. One is the explore mode that will enable the hamster to move across the floor or around their habitat. The second mode is the loving mode. It is important to take into consideration that these hamsters will be your child’s pet. They will be able to cuddle while the hamster chatters and squeaks in response.</p>
<p><a href="http://www.kensavage.com/wp-content/uploads/2009/11/Zu-zu-pets.jpg"><img src="http://www.kensavage.com/wp-content/uploads/2009/11/Zu-zu-pets.jpg" alt="Zu-zu-pets" title="Zu-zu-pets" width="280" height="190" class="alignright size-full wp-image-2410" /></a></p>
<p><br/><br/><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/">I Know Where to Buy Zu Zu Pets Hampsters</a></p>
<p><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zu zu pets">zu zu pets</a> (38)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zuzu pets">zuzu pets</a> (38)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zu zu pet">zu zu pet</a> (29)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zu zu hamster">zu zu hamster</a> (19)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title=""></a> (15)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zuzu hamsters">zuzu hamsters</a> (15)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zu zu pets hamsters">zu zu pets hamsters</a> (14)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zuzu hamster">zuzu hamster</a> (12)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zuzu pets where to buy">zuzu pets where to buy</a> (8)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zuzu pet">zuzu pet</a> (5)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zu zu hampster">zu zu hampster</a> (5)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zu zu toys">zu zu toys</a> (4)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="1">1</a> (4)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="0">0</a> (4)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zuzu zuzu pets">zuzu zuzu pets</a> (4)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zu zu pets where to buy">zu zu pets where to buy</a> (3)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="5">5</a> (3)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="where to find zuzu pets">where to find zuzu pets</a> (3)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="zu pets">zu pets</a> (3)</small><small><a href="http://www.kensavage.com/archives/zu-zu-pet-availability/" title="where can i buy a zuzu">where can i buy a zuzu</a> (2)</small></p>

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	</ol>
]]></content:encoded>
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		</item>
		<item>
		<title>Cash for Clunkers Car List and Which Cars are Eligible</title>
		<link>http://www.kensavage.com/archives/cash-for-clunkers-car-list/</link>
		<comments>http://www.kensavage.com/archives/cash-for-clunkers-car-list/#comments</comments>
		<pubDate>Tue, 04 Aug 2009 09:00:27 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[Nation News]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/?p=1966</guid>
		<description><![CDATA[There is a heated debate going on across the country on cash for clunkers. The bill that has stimulated the slumbering auto industry in the country is being furiously opposed by Republicans across the board. 
I&#8217;ve got my own personal proof of this when I tried to tradein my 2006 Jeep Commander for a 2010 [...]<p><br/><br/><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/">Cash for Clunkers Car List and Which Cars are Eligible</a></p>


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]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.kensavage.com/wp-content/uploads/2009/08/cash-for-clunker-list.jpg"><img src="http://www.kensavage.com/wp-content/uploads/2009/08/cash-for-clunker-list-300x208.jpg" alt="cash-for-clunker-list" title="cash-for-clunker-list" width="300" height="208" class="alignright size-medium wp-image-1967" /></a>There is a heated debate going on across the country on cash for clunkers. The bill that has stimulated the slumbering auto industry in the country is being furiously opposed by Republicans across the board. </p>
<p>I&#8217;ve got my own personal proof of this when I tried to tradein my 2006 Jeep Commander for a 2010 Jeep Wrangler. I was told the new car didn&#8217;t have good enough fuel economy ratings to be eligible for a <strong>Cash for Clunkers Voucher</strong>.</p>
<p>Congress passed the Automotive Stimulus package that gives consumers up to $4500 vouchers for the purchase of a new vehicle.</p>
<table style="padding-bottom: 5px; width: 550px; border: 1px black solid;" cellspacing="1" cellpadding="3">
<tbody>
<tr>
<td style="line-height:20px;padding-bottom:10px" colspan="4" align="center"><strong><span style="color: blue;">Summary of Car Allowance Rebate System &#8211; Cash for Clunkers Voucher Qualifications</span></strong><strong> </strong></td>
</tr>
<tr>
<td style="width: 130px;" valign="top"> </td>
<td style="text-align:center;padding-bottom:10px" valign="top"><strong>Min. Fuel Economy </strong><strong>for New Vehicle</strong></td>
<td style="text-align: center; width: 170px;" valign="top"><strong>$3,500 Voucher</strong></td>
<td style="text-align: center;" valign="top"><strong>$4,500 Voucher</strong></td>
</tr>
<tr>
<td valign="top"><strong>Passenger Car</strong></td>
<td style="text-align: center;" valign="top">22 mpg</td>
<td valign="top">Mileage improvement of at least 4 mpg</td>
<td valign="top">Mileage improvement of at least 10 mpg</td>
</tr>
<tr>
<td valign="top"><strong>Light-Duty Truck</strong></td>
<td style="text-align: center;" valign="top">18 mpg</td>
<td valign="top">Mileage improvement of at least 2 mpg</td>
<td valign="top">Mileage improvement of at least 5 mpg</td>
</tr>
<tr>
<td valign="top"><strong>Large Light-Duty Truck</strong></td>
<td style="text-align: center;" valign="top">15 mpg</td>
<td valign="top">Mileage improvement of at least 1 mpg or trade-in of a work truck</td>
<td valign="top">Mileage improvement of at least 2 mpg</td>
</tr>
<tr>
<td valign="top"><strong>Commercial trucks<br /></strong></td>
<td valign="top"> </td>
<td valign="top">Trade-in must be at least pre-2002</td>
<td valign="top"> </td>
</tr>
</tbody>
</table>
<h3>Eligibility criteria for clunkers</h3>
<p>    * Vehicle must be less than 25 years old on the trade-in date.<br />
    * Only the purchase or 5 year minimum lease of new vehicles qualify.<br />
    * Generally, trade-in vehicles must get 18 or fewer MPG (some very large pickup trucks and cargo vans have different requirements).<br />
    * Trade-in vehicles must be registered and insured continuously for the full year preceding the trade-in.<br />
    * Trade-in vehicles must be in driveable condition.<br />
    * The program runs from July 1, 2009 until Nov 1, 2009 or when the funds are exhausted, whichever comes first.<br />
    * The program requires the scrapping of the eligible trade-in vehicle and that the dealer disclose to the customer an estimate of the scrap value of the trade-in. The scrap value, however minimal, will be in addition to the rebate, and not in place of the rebate.<br />
    * Customers will pay state tax on the rebate.</p>
<h3>Cash for Clunkers Car List Confusion</h3>
<p>Some car shoppers are finding that their trade-in vehicles, which qualified for a Cash for Clunkers rebate last week, don&#8217;t this week because of changes in the EPA&#8217;s fuel economy ratings.</p>
<p>In some cases, car buyers say, dealers are backing out of sales they&#8217;ve already made because the EPA changed the fuel economy figures on their trade-in.</p>
<p>Hyundai Motor America has been helping its dealers close Cash for Clunkers deals since July 1 by providing them with cash advances equal to the expected CARS rebate, a Hyundai spokesman said. As of Friday, about 14% of Hyundai sales were Cash for Clunker deals, according to the automaker. Last month, Hyundai sold about 38,000 cars.</p>
<p>It is unclear if any of Hyundai&#8217;s deals so far were made ineligible by the changes, said Hyundai spokesman Phil Leinert, or how the automaker might deal with situations in which a car&#8217;s eligibility changed.</p>
<p>Brian Benstock, owner of Paragon Honda in New York City, said he&#8217;s done 33 Cash for Clunkers deals since July 1. So far, he said, he has had no problems because of altered fuel economy numbers.</p>
<p><br/><br/><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/">Cash for Clunkers Car List and Which Cars are Eligible</a></p>
<p><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for clunkers criteria">cash for clunkers criteria</a> (49)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for clunkers list">cash for clunkers list</a> (18)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for clunkers car list">cash for clunkers car list</a> (9)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="clunker criteria">clunker criteria</a> (9)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="criteria for cash for clunkers">criteria for cash for clunkers</a> (7)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="criteria for clunkers">criteria for clunkers</a> (6)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cars eligibility">cars eligibility</a> (6)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for clunkers trade in list">cash for clunkers trade in list</a> (5)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for clunker criteria">cash for clunker criteria</a> (4)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cars for clunkers criteria">cars for clunkers criteria</a> (4)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title=""></a> (3)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="criteria for clunker">criteria for clunker</a> (3)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cars for clunkers list">cars for clunkers list</a> (3)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="criteria cash for clunkers">criteria cash for clunkers</a> (3)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for clunker list">cash for clunker list</a> (2)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for cars eligibility">cash for cars eligibility</a> (2)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for cars criteria">cash for cars criteria</a> (2)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="clunkers criteria">clunkers criteria</a> (2)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="criteria for cash for clunkers cars">criteria for cash for clunkers cars</a> (2)</small><small><a href="http://www.kensavage.com/archives/cash-for-clunkers-car-list/" title="cash for clunkers list of cars">cash for clunkers list of cars</a> (2)</small></p>

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]]></content:encoded>
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		<title>The Grocery Game. Coupons Grocery Shopping and Fun</title>
		<link>http://www.kensavage.com/archives/the-grocery-game-coupons-grocery-shopping-and-fun/</link>
		<comments>http://www.kensavage.com/archives/the-grocery-game-coupons-grocery-shopping-and-fun/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 23:18:46 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[Family]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/?p=1957</guid>
		<description><![CDATA[The Grocery Game: Shelly Willis saves an average of 70% a week on her grocery bill by playing The Grocery Game. While watching the Food Network five years ago, Shelly was intrigued by the show’s featured guest, Terri Gault, the founder of The Grocery Game. Terri was explaining how The Grocery Game works and the [...]<p><br/><br/><a href="http://www.kensavage.com/archives/the-grocery-game-coupons-grocery-shopping-and-fun/">The Grocery Game. Coupons Grocery Shopping and Fun</a></p>


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			<content:encoded><![CDATA[<p><img src="http://www.kensavage.com/wp-content/uploads/2009/08/the-grocery-game.jpg" alt="the-grocery-game" title="the-grocery-game" width="425" height="282" class="alignright size-full wp-image-1958" />The Grocery Game: Shelly Willis saves an average of 70% a week on her grocery bill by playing The Grocery Game. While watching the Food Network five years ago, Shelly was intrigued by the show’s featured guest, Terri Gault, the founder of The Grocery Game. Terri was explaining how The Grocery Game works and the benefits. Shelly, a stay home mom of a 10 and 12 year old, signed up and has been saving money ever since.</p>
<p>The Grocery Game gives you a list of advertised and unadvertised specials at the store or stores you select near you. It will match coupons with specials. It also has message boards where members share their savings tips.</p>
<p>Amy Almquist, stay home mom to 2 young children has been playing The Grocery Game for 2 months. On average she saves 38-40% a week on her grocery bill, or about $55. “One week I saved 49% and $74! I even saved my receipt.” Amy said it does take a little more planning to make her grocery list now, but it’s well worth it, and it really is fun to see how much money you can save. “I’ve learned to make our menu for the week based on what’s on sale, or what we already have, so that helps save too.”</p>
<p>Shelly is so passionate about The Grocery Game that she now visits churches and civic groups explaining the program and helping folks sign up. Shelly uses the binder method for her coupons. She uses trading card pages, and separates the coupons by category. “It’s quick and easy!” she shares.</p>
<p>The Grocery Game does cost to join. You may sign up for a 4 week free trial here. An 8 week membership is $10 for 1 store, $15 for 2 stores, and $20 for 3 stores.</p>
<p>An alternative to The Grocery Game is CouponMom. This is a free service which uses some of the same principals and ideas of The Grocery Game.</p>
<p><br/><br/><a href="http://www.kensavage.com/archives/the-grocery-game-coupons-grocery-shopping-and-fun/">The Grocery Game. Coupons Grocery Shopping and Fun</a></p>
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		<slash:comments>1</slash:comments>
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		<title>How To Make Real Money On Ebay</title>
		<link>http://www.kensavage.com/archives/how-to-make-real-money-on-ebay/</link>
		<comments>http://www.kensavage.com/archives/how-to-make-real-money-on-ebay/#comments</comments>
		<pubDate>Wed, 13 May 2009 19:36:05 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[ebay]]></category>
		<category><![CDATA[make money]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[selling on ebay]]></category>

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		<description><![CDATA[How many times have you heard this line? Unfortunately there are hundreds of people selling the &#8220;best&#8221; ways to make a ton of money on eBay. The truth is you can make a lot of money on eBay. There is not some secret formula or one way to do it.
In this article I will offer [...]<p><br/><br/><a href="http://www.kensavage.com/archives/how-to-make-real-money-on-ebay/">How To Make Real Money On Ebay</a></p>


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			<content:encoded><![CDATA[<p>How many times have you heard this line? Unfortunately there are hundreds of people selling the &#8220;best&#8221; ways to make a ton of money on eBay. The truth is you can <strong>make a lot of money on eBay</strong>. There is not some secret formula or one way to do it.</p>
<p>In this article I will offer tips that could help your <strong>eBay selling</strong>. I believe the single most important thing you can do is to sell something you know. If you have a hobby or job that is related to your items, you would be very knowledgeable about your product and reduce research time.</p>
<p><img src="http://www.kensavage.com/wp-content/uploads/2009/05/get-rich-on-ebay-300x214.jpg" alt="get-rich-on-ebay" title="get-rich-on-ebay" width="300" height="214" class="alignright size-medium wp-image-1805" />If you do not have a hobby or job that is related to anything you can sell, do a search with the completed auction listings in the categories that are of interest to you and see how these things are doing. You can also check the <a title="Hot Items selling on ebay" href="http://product-index.ebay.com/best_selling_1.html">Hot List on eBay</a> that will give you a break down of the hot selling items.</p>
<p>Research articles on auction forums or auction information websites. There is a wealth of information out there that is free. Check out the forums that are on eBay. These can give you information just by reading what other sellers are talking about.<span id="more-288"></span></p>
<p>If possible, try to find a niche product. An example of this is Ham Radio. I hold an advanced class amateur radio license. The United States Federal Government issues this. I got out of the hobby and decided to sell my radios. I sold every radio with no problems. Amateur Radio Operators (hams) are a specific group, looking for specific items. This makes selling so much easier.</p>
<p>Once you find the item(s) that are right for you concentrate on customer service. Make sure that all the items you ship are properly protected with bubble wrap or styrofoam spacers. I do not like packing peanuts because they are messy for the customer. Do not use newspaper for packing material. It does not work that well and just looks bad.</p>
<p>Once you have your item packed properly make sure you ship it promptly. Customers will appreciate this and remember you. Communication with the customer is very important. As soon as you can contact your paying customer and let them know exactly when you are sending the item (you should indicate this in your auction.) After you send the item contact them again and tell them it is on the way. Little things like this can give you repeat customers.</p>
<p>So where is the real money? The real money is in supply and demand. If you have something that is in demand it will sell. If you donâ€™t it wonâ€™t. I know this is basic business, but it seems a lot of people have lost site of this for the quick, easy buck. Long lasting sales donâ€™t happen over night. Market saturation also plays a big role.</p>
<p>The best approach to make â€œreal moneyâ€ on eBay breaks down like this: Know your product, research it and its sellers on eBay (how many, how much), use the recourses I listed above. There are reels of information on selling and buying on eBay on auction information websites, make your customers happy (good shipping, communication)</p>
<p>Knowledge is power. This is your greatest tool.</p>
<p>Shawn Sellen is the owner of <a href="http://www.auctionreel.com/">auctionreel</a>. An auction information website with Free Downloads.</p>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>I WON the LOTTERY and I want a lump sum</title>
		<link>http://www.kensavage.com/archives/i-won-the-lottery-and-i-want-a-lump-sum/</link>
		<comments>http://www.kensavage.com/archives/i-won-the-lottery-and-i-want-a-lump-sum/#comments</comments>
		<pubDate>Thu, 02 Apr 2009 00:59:47 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[lottery_winners]]></category>
		<category><![CDATA[lump_sum_payout]]></category>
		<category><![CDATA[massachusetts_lottery]]></category>
		<category><![CDATA[prize_winners]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/index.php/archives/i-won-the-lottery-and-i-want-a-lump-sum</guid>
		<description><![CDATA[Massachusetts lottery winners are rushing to cash in on a recent change in state law that allows them to negotiate with private companies for a lump-sum buyout of all or a portion of their 20-year income stream.
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			<content:encoded><![CDATA[<p><strong>Massachusetts lottery winners</strong> are rushing to cash in on a recent change in state law that allows them to negotiate with private companies for a lump-sum buyout of all or a portion of their 20-year income stream.</p>
<p>Since November, when the change in the law took effect, nearly 270 lottery winners have made the decision to give up a chunk of their future prize payments in return for a lump sum that can be used for such immediate needs as <span id="more-118"></span>buying a new house or paying off existing loans and debts.</p>
<p>The cost of cashing out varies, but lottery officials who have been monitoring the transactions say prize winners give up 7 to 20 percent of their future income stream in return for a lump-sum payout. The average discount rate is 11 percent, the officials said.</p>
<p>Win $8,000,000 and if you cash out right away you can expect to get about $3,000,000 and that&#8217;s not even after <strong>Massachusetts taxes</strong></p>
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		<title>Why An Angel on Top of the Christmas Tree</title>
		<link>http://www.kensavage.com/archives/christmas-tree-angel-tradition/</link>
		<comments>http://www.kensavage.com/archives/christmas-tree-angel-tradition/#comments</comments>
		<pubDate>Sun, 07 Dec 2008 09:28:27 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Family]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/?p=1567</guid>
		<description><![CDATA[Have you ever wondered why we put an angel on top of the Christmas tree each Christmas? Well here&#8217;s the story of how it all began&#8230;
When four of Santa&#8217;s elves got sick, the trainee elves did not produce toys as fast as the regular ones, and Santa began to feel the Pre-Christmas pressure.
Then Mrs Claus [...]<p><br/><br/><a href="http://www.kensavage.com/archives/christmas-tree-angel-tradition/">Why An Angel on Top of the Christmas Tree</a></p>


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			<content:encoded><![CDATA[<p><img src="http://www.kensavage.com/wp-content/uploads/2008/12/funny-christmas-tree-angel.jpg" alt="" title="funny-christmas-tree-angel" width="200" height="200" class="alignright size-full wp-image-1568" />Have you ever wondered why we put an angel on top of the Christmas tree each Christmas? Well here&#8217;s the story of how it all began&#8230;</p>
<p>When four of Santa&#8217;s elves got sick, the trainee elves did not produce toys as fast as the regular ones, and Santa began to feel the Pre-Christmas pressure.</p>
<p>Then Mrs Claus told Santa her Mother was coming to visit, which stressed Santa even more. </p>
<p>When he went to harness the reindeer, he found that three of them were about to give birth and two others had jumped the fence and were out, Heaven knows where.</p>
<p>Then when he began to load the sleigh, one of the floorboards cracked, the toy bag fell to the ground and all the toys were scattered. </p>
<p>Frustrated, Santa went in the house for a cup of apple cider and a shot of rum. When he went to the cupboard, he discovered the elves had drank all the cider and hidden the liquor. In his frustration, he accidentally dropped the cider jug, and it broke into hundreds of little glass pieces all over the kitchen floor.</p>
<p>He went to get the broom and found the mice had eaten all the straw off the end of the broom.</p>
<p>Just then the doorbell rang, and irritated Santa marched to the door, yanked it open, and there stood a little angel with a great big Christmas tree.</p>
<p>The angel said very cheerfully, <strong>&#8220;Merry Christmas, Santa. Isn&#8217;t this a lovely day? I have a beautiful tree for you. Where would you like me to stick it?&#8221;</strong> </p>
<p>And so began the tradition of the little angel on top of the Christmas tree.</p>
<p><br/><br/><a href="http://www.kensavage.com/archives/christmas-tree-angel-tradition/">Why An Angel on Top of the Christmas Tree</a></p>
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		<title>Reasons Why You Should NOT Buy a Plasma Television</title>
		<link>http://www.kensavage.com/archives/reasons-why-you-should-not-buy-a-plasma-television/</link>
		<comments>http://www.kensavage.com/archives/reasons-why-you-should-not-buy-a-plasma-television/#comments</comments>
		<pubDate>Tue, 02 Dec 2008 06:26:09 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[Movies]]></category>
		<category><![CDATA[TV]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[DLP]]></category>
		<category><![CDATA[HDTV]]></category>
		<category><![CDATA[LCD]]></category>
		<category><![CDATA[plasma]]></category>
		<category><![CDATA[purchase]]></category>
		<category><![CDATA[superbowl]]></category>
		<category><![CDATA[television]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/index.php/archives/reasons-why-you-should-not-buy-a-plasma-television/</guid>
		<description><![CDATA[The Superbowl draws near and you want to see the big game in high definition television (HDTV) but you&#8217;re unsure about which type of HDTV television you should buy? If you open up your local consumer electronics flyer, the choice is clear &#8211; Plasma.
Here&#8217;s 5 Reasons Not to Buy a Plasma TV this Superbowl Season.
The [...]<p><br/><br/><a href="http://www.kensavage.com/archives/reasons-why-you-should-not-buy-a-plasma-television/">Reasons Why You Should NOT Buy a Plasma Television</a></p>


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			<content:encoded><![CDATA[<p><img src="http://www.kensavage.com/wp-content/uploads/2008/11/plasma-screen-burn-in.jpg" alt="" title="plasma-screen-burn-in" width="300" height="208" class="alignright size-full wp-image-1555" />The Superbowl draws near and you want to see the big game in high definition television (HDTV) but you&#8217;re unsure about which type of <strong>HDTV</strong> television you should buy? If you open up your local consumer electronics flyer, the choice is clear &#8211; Plasma.</p>
<p><strong>Here&#8217;s 5 Reasons Not to Buy a Plasma TV this Superbowl Season.</strong></p>
<p>The purpose of the article was to provide a counterpoint to some of the misinformation being advertised prior to the Superbowl by various retailers and was not a blanket condemnation of Plasma televisions.</p>
<p>For reasons why you should buy a Plasma check out our May 2005 article entitled &#8211; Five Reasons to make your next HDTV a Plasma</p>
<p>Plasma televisions are sleek, sexy and can hang on a wall. In addition to a slim space saving design, Plasma&#8217;s offer a wide viewing angle, uniform screen brightness and good colour fidelity. What&#8217;s not to love?</p>
<p>Plasma televisions are flat-panel displays that consist of millions of phosphor-coated miniature glass bubbles containing plasma. Each bubble represents one pixel. To produce an image on the plasma panel, electric current flows through the screen which causes the gas inside the glass bubbles to emit ultraviolet rays. The ultraviolet rays then trigger the phosphor coating to produce red, green or blue light.</p>
<p>The number of physical bubbles or pixels inside a plasma television determines the sets Native resolution. DHC recommends you determine the native resolution of any plasma you&#8217;re thinking about purchasing. Native resolution is important because it is the source of a tremendous amount of confusion in the minds of consumers which leads to a very common misperception.</p>
<p>The common misperception is that all Plasma televisions are high definition televisions. Instead of being HDTV sets, many plasma sets are Enhanced Definition television (EDTV). If the native resolution of the plasma you are considering is 853 X 480 or something similar then the plasma panel is NOT a high definition television.</p>
<p>Digital Home Canada has learned that many websites and retail flyers are no longer publishing the native resolution of plasma panels preferring to simply say the set has 720p or 1080i capability.</p>
<p>For more information about the different types of HDTV televisions available in the marketplace be sure to read HDTV Canada &#8211; Types of Televisions Explained . To learn more about HDTV visit the HDTV Canada section of this site. or visit one of Digital Home Canada&#8217;s HDTV forums in the Digital Forums.<br />
Five Reasons not to buy Plasma<br />
The following are five reasons why Digital Home Canada believes you shouldn&#8217;t buy a Plasma television.</p>
<p><strong>Burn In</strong><br />
Burn in occurs when a static image, such as a network icon, is continuously shown and the image is &#8220;burned into&#8221; the screen. The result is that &#8220;burned in&#8221; image is visible even when watching other programs.</p>
<p>The actual term burn in is a misnomer (to find out more burn in &#8211; click on some of the links listed above) since the screen isn&#8217;t actually burned but the unpleasant image left of your screen is all too real.</p>
<p>The effects of burn in on a plasma display are permanent and cannot be erased.</p>
<p>The article and plasma manufacturers go to great lengths to explain how to reduce the likelihood of burn and with proper care and attention DHC agrees that a very determined and careful consumer can avoid the problem.</p>
<p>Although we understand that burn in can be avoided if you are very careful, our attitude is &#8220;Do you want really want to buy a $5,000 to $10,000 television set and then constantly worry that it will become an expensive doorstop, because you or your kids, left it on for a few hours on the &#8220;wrong&#8221; channel ?&#8221;</p>
<p>When spending $10,000, we want piece of mind. The risk of burn in is the first reason we would not recommend buying a plasma television.</p>
<p><strong>Too Expensive</strong><br />
True HDTV Plasma&#8217;s starts around $6,000 Canadian and go up from there. Many 50&#8243; plasma&#8217;s are close to $10,000.</p>
<p>An excellent quality 50&#8243; CRT rear projection television can be had for $2,000, while DLP &#038; LCD projection sets retails for  approximately $4,000.  </p>
<p>With the extra $6,000 to $8,000 dollars you save by not buying plasma, you could outfit your home with a stunning home theatre system which includes six good quality speakers, DVD player, A/V receiver and more.</p>
<p>The high cost of plasma is the second reason why we would not buy a plasma television.<br />
Costly to Repair and Higher Incidence of Repair<br />
Recently when Digital Home Canada was researching our article Should I buy the Extended Warranty?  we were surprised to learn the price for an 2 or 3 year extended warranty on a plasma television was much higher than the cost of a 2 or 3 year warranty on a direct view, LCD, CRT or DLP television after adjusting for the purchase price of the product.</p>
<p>Extended warranty costs are an excellent way to gauge the reliability of a consumer product. If the premiums being asked by the insurance companies are higher, then it indicates the product has a higher rate of repair and failure.</p>
<p>Also noteworthy is that despite the high cost of extended warranties on plasma, burn in is not covered by either the manufacturer&#8217;s warranty or an extended warranty. Burn in is considered to consumer misuse and therefore not covered.</p>
<p>The high cost of repair, potential for failure and the lack of a comprehensive warranty  is the third reason why we would not buy a plasma television.<br />
Standard Definition Television looks terrible<br />
The next time you are shopping for a television, be sure to take notice of what&#8217;s playing on those Plasma panels. We can pretty much guarantee, you won&#8217;t see a regular standard definition cable signal.</p>
<p>In our experience, HDTV looks beautiful on a true HDTV plasma panel and DVD&#8217;s can  almost equally compelling, however, standard television, the stuff you watch everyday, generally looks horrible!</p>
<p>The reason for this poor quality image can be attributable to a number of factors including the stretch mode of the television or the poor quality of the analog or digital signal.</p>
<p>Regardless of the reason, Digital Home Canada we have yet to view a standard definition television program on  plasma that we would want to watch in our home.</p>
<p>Despite our opinion, DHC learned long ago that picture quality is a very subjective matter. What looks great to one person can look lousy to someone else.</p>
<p>We recommend that if you&#8217;re considering buying a plasma, take the time to watch &#8220;regular&#8221; television on it before you purchase the set or only use your plasma to watch DVD&#8217;s or HDTV.</p>
<p>The poor picture quality of Standard definition signals is the fourth reason why we would not buy a plasma television.</p>
<p><strong>Costly and Time Consuming to Mount on a wall</strong><br />
Since the first Phillips commercial in 2001 showing consumers how they could mount a plasma television on the wall, people have dreamt of hanging their televisions on the wall.</p>
<p>Like every dream, get over it!</p>
<p>The reality is that most plasma sets are never hung on walls. Typically they sit on a tabletop on a stand. A stand, that is as deep and wide as an DLP or LCD projection television set.</p>
<p>Why don&#8217;t plasma owners have the set up on the wall?</p>
<p>The primary reason is the wires. A typical plasma set has a ton of connections. component or DVI cables from your cable or satellite receiver, component or DVI cables from your DVD player, other audio cables to and from your A/V receivers, and of course the power cable.</p>
<p>The wires can be neatly tucked and hidden behind the set when it sits on a stand. In our opinion, placing a plasma on a tabletop defeats one of the major reasons people buy the set in the first place.</p>
<p>Finally, if you want to mount the plasma panel on the wall and still have it look attractive, you need to fish cables through your walls. Fishing cables means drilling holes and feeding wires which can be messy, costly and time consuming.</p>
<p>The huge effort and high cost of properly mounting a plasma to a wall is the fifth reason why we would not buy a plasma television.<br />
An Extra Reason &#8211; It&#8217;s not HDTV! (most times)<br />
Our last and potentially sixth reason for not buying a plasma is that often the plasma set is not a high definition television.</p>
<p>It is true that many plasma models offer a native resolution which allows owners to watch true HDTV, however, the problem is the majority of units sold are EDTV sets marketed as being HDTV capable.</p>
<p>Many angry plasma owners and ex-owners have told us they felt deceived when they found out that their EDTV set wasn&#8217;t an HDTV television.</p>
<p>Until the manufacturers and sellers of these products clearly articulate this information and stop selling them as HDTV capable, we believe it is a significant disadvantage when buying one of these televisions.</p>
<p><br/><br/><a href="http://www.kensavage.com/archives/reasons-why-you-should-not-buy-a-plasma-television/">Reasons Why You Should NOT Buy a Plasma Television</a></p>
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		<title>Find Out the Secrets Why Companies Use Rebates</title>
		<link>http://www.kensavage.com/archives/why-companies-use-rebates/</link>
		<comments>http://www.kensavage.com/archives/why-companies-use-rebates/#comments</comments>
		<pubDate>Sun, 30 Nov 2008 12:00:22 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[Scams]]></category>
		<category><![CDATA[Technology]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/index.php/archives/why-companies-use-rebates/</guid>
		<description><![CDATA[Rebates are a marketing tool used by manufacturers to increase sales, by lowering the cost of a product in the eyes of a customer, without actually dropping the price on the shelf. The company makes available a rebate for those buying the product, let&#8217;s say, $20. You buy the product, send the company the filled-out [...]<p><br/><br/><a href="http://www.kensavage.com/archives/why-companies-use-rebates/">Find Out the Secrets Why Companies Use Rebates</a></p>


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]]></description>
			<content:encoded><![CDATA[<p><img src="http://www.kensavage.com/wp-content/uploads/2008/11/store-rebates-secrets-225x300.jpg" alt="" title="store-rebates-secrets" width="225" height="300" class="alignright size-medium wp-image-1551" /><strong>Rebates </strong>are a marketing tool used by manufacturers to increase sales, by lowering the cost of a product in the eyes of a customer, without actually dropping the price on the shelf. The company makes available a rebate for those buying the product, let&#8217;s say, $20. You buy the product, send the company the filled-out rebate form and proof of purchase, and they mail you a check for $20. Simple, right? Read on.</p>
<p>You might (rightly) ask yourself: if a company wants to increase its sales of a product by dropping the price $20, why don&#8217;t they just drop the price by $20? Isn&#8217;t it the same thing? Wouldn&#8217;t it be easier for the company to do than dealing with the rebate forms and mailing checks and whatnot? The answer to this question becomes obvious when you consider this: there are companies that sell items that cost $X and have an $X rebate (often seen for media such as floppy disks, or low-end components like cheap keyboards). The net cost to you is zero, yet, you almost never see companies just giving away stuff for free in the store! Clearly there is a big difference between rebates and &#8220;just dropping the price&#8221;.</p>
<p>Some of the reasons why companies use rebates are practical in nature. If a company wants to run a temporary promotion, it&#8217;s a lot easier to use a rebate than it is to drop the price and then raise it again: customers react poorly to price rises. It&#8217;s also arguably less work for the retailers that sell the product. But the main reason for using rebates instead of dropping prices is that when you drop the price of something, that money is automatically and immediately lost for each and every item sold, while rebates never result in all of the money being lost to the company.</p>
<p>The most important reason for this is simply human nature: a surprising percentage of rebates never are redeemed. Let&#8217;s say a customer goes to a store and sees a product he wants that costs $100 and has a $20 rebate. Immediately, the customer says to himself &#8220;Wow, what a deal! Only $80!&#8221;. In the customer&#8217;s mind the product only costs $80. He pays $100 at the checkout, and then takes the item home and starts using it. In his mind, he has only paid $80, and he feels satisfied; but in fact, he&#8217;s paid $100! Most rebate forms are relatively easy to fill out, but they still take time to do, and many people forget about them, or lose the form, or wait too long to submit the claim (since they are always time-limited). I don&#8217;t know the exact percentage of rebates that go unfilled, but I wouldn&#8217;t be surprised if it approached or even exceeded 50%. For all of these sales, the manufacturer gets the full price while getting sales as if the price had been lowered.</p>
<p>Another reason is due to a concept called float: from the time that the manufacturer gets the money for the product you purchased, until the time you cash the rebate check, the rebate money is the company&#8217;s. They can use it as they see fit, even for something as simple as letting it sit and earn interest. Many people take weeks to fill out and send in the rebate form, and then most companies take weeks to months to send back the check. In some cases the company gets the use of the money for close to half a year.</p>
<p>Combine the two factors above and you can see why companies use rebates, especially for &#8220;free&#8221; items. The worst part, unfortunately, is that there&#8217;s another catch with rebates: some dishonest companies don&#8217;t honor them. You send in the form, you wait the specified number of weeks, and the check never comes at all. This isn&#8217;t common, but it definitely happens. Also, some rebates get lost in the mail, or are sent to the wrong address, resulting in problems even with honest firms.</p>
<p>Due to the hassles involved, and the risk of never getting the money, some folks eschew rebates completely. Frankly, I think that&#8217;s throwing the baby out with the bathwater. Here are my suggestions for having success with rebates:</p>
<ul>
<li><strong>Don&#8217;t Count Your Chickens</strong>: Be careful when buying an item based on the &#8220;net&#8221; price after the rebate. If you aren&#8217;t going to be meticulous about sending in the rebate form, just shop based on what the item costs out of pocket. Consider any rebate you get a &#8220;bonus&#8221;. Of course, if you do manage your rebates properly, you might make a better buying decision by figuring in the rebate.</li>
<li><strong>Don&#8217;t Procrastinate</strong>: Fill out the rebate form and submit it immediately. If you wait, you&#8217;re far more likely to lose the form or miss the deadline, and you are extending the period of time that the company gets to use your rebate money.</li>
<li><strong>Watch The Dates</strong>: It&#8217;s common to find items on a shelf that have a rebate sticker on them that has already expired! You buy the item thinking you will have a rebate, get the box home and whoops! You lose</li>
<li><strong>Watch Your Receipt</strong>: Some companies want the original receipt from the vendor, while others will accept a photocopy. Sending away your original receipt is never a good idea unless you are sure you won&#8217;t want to return the item. If you must, at least keep a photocopy of the receipt. Even better, ask the cashier for a duplicate receipt if you know you have bought an item with a rebate.</li>
<li><strong>Look For A Toll-Free Number</strong>: Better companies have an 800 number you can use to inquire if you don&#8217;t receive your rebate in the designated delivery timeframe. Keep a record of this number and use it if the rebate doesn&#8217;t arrive on time. Avoid rebates that have no number you can call to inquire.</li>
<li><strong>Keep Records</strong>: For each rebate, keep a record of the item purchased, the date purchased, the store, the amount of the rebate, how long the rebate is supposed to take for delivery (and thus the expected due date) and the 800 number to call if it doesn&#8217;t show up. Sure, this is a bit more work, but it will help you ensure that you don&#8217;t let any rebates &#8220;slip through the cracks&#8221;, and will also let you see which companies you&#8217;ve had good or bad luck with in the past. I use a simple spreadsheet.</li>
<li><strong>Avoid Bad Companies</strong>: Most companies are honest (if a bit slow) about their rebates; a few bad apples are notorious for not honoring them. Use the research resources to investigate if the company you are considering has a good track record.</li>
<li><strong>Count The Cost Of Your Time</strong>: If a small item has a $1 rebate, and it takes you 15 minutes to fill out the form, photocopy a receipt, get an envelope, address it, stamp it and label it, you have valued your time at $4 per hour. If the rebate is $20, it&#8217;s a bit different of course! </li>
</ul>
<p><br/><br/><a href="http://www.kensavage.com/archives/why-companies-use-rebates/">Find Out the Secrets Why Companies Use Rebates</a></p>
<p><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of the rebates offered are actually paid?">what percentage of the rebates offered are actually paid?</a> (30)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of the rebates offered are actually paid">what percentage of the rebates offered are actually paid</a> (15)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of rebates offered are actually paid">what percentage of rebates offered are actually paid</a> (13)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of rebates are paid">what percentage of rebates are paid</a> (11)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="percentage of rebates paid">percentage of rebates paid</a> (11)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of rebates are actually paid">what percentage of rebates are actually paid</a> (11)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="percentage of rebates actually paid">percentage of rebates actually paid</a> (8)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of cash rebates are actually paid">what percentage of cash rebates are actually paid</a> (6)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of cash rebates are paid">what percentage of cash rebates are paid</a> (5)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="mss">mss</a> (4)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="percentage cash rebates actually paid">percentage cash rebates actually paid</a> (4)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of rebates offered are actually paid?">what percentage of rebates offered are actually paid?</a> (3)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of rebates are paid?">what percentage of rebates are paid?</a> (3)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="percentage rebates offered actually paid">percentage rebates offered actually paid</a> (3)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="why do companies use mail in rebates">why do companies use mail in rebates</a> (3)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="why do companies use rebates">why do companies use rebates</a> (3)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of cash rebates are actually paid?">what percentage of cash rebates are actually paid?</a> (3)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="why use rebates">why use rebates</a> (3)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="percent of rebates paid">percent of rebates paid</a> (2)</small><small><a href="http://www.kensavage.com/archives/why-companies-use-rebates/" title="what percentage of cash rebates are paid?">what percentage of cash rebates are paid?</a> (2)</small></p>

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]]></content:encoded>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Here&#8217;s What I Think About the Bailout of 2008</title>
		<link>http://www.kensavage.com/archives/2008-goverment-bailout/</link>
		<comments>http://www.kensavage.com/archives/2008-goverment-bailout/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 02:12:56 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[Nation News]]></category>
		<category><![CDATA[2008 government bailout]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/?p=1150</guid>
		<description><![CDATA[Now here&#8217;s a bail out plan that works!
I&#8217;m against the $85,000,000,000.00 bailout of AIG.
Instead, I&#8217;m in favor of giving $85,000,000,000 to America in &#8220;We Deserve It Dividend&#8221;.
To make the math simple, let&#8217;s assume there are 200,000,000 bonafide U.S. Citizens 18+.
Our population is about 301,000,000 ± counting every man, woman and child. So 200,000,000 might be [...]<p><br/><br/><a href="http://www.kensavage.com/archives/2008-goverment-bailout/">Here&#8217;s What I Think About the Bailout of 2008</a></p>


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]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.kensavage.com/wp-content/uploads/2008/09/2008-bailout.jpg"><img src="http://www.kensavage.com/wp-content/uploads/2008/09/2008-bailout-300x216.jpg" alt="" title="2008 bailout federal goverment" width="300" height="216" class="alignright size-medium wp-image-1151" /></a>Now here&#8217;s a bail out plan that works!</p>
<p>I&#8217;m against the $85,000,000,000.00 bailout of AIG.</p>
<p>Instead, I&#8217;m in favor of giving $85,000,000,000 to America in &#8220;We Deserve It Dividend&#8221;.</p>
<p>To make the math simple, let&#8217;s assume there are 200,000,000 bonafide U.S. Citizens 18+.</p>
<p>Our population is about 301,000,000 ± counting every man, woman and child. So 200,000,000 might be a fair stab at adults 18 and up..</p>
<p>So divide 200 million adults 18+  into $85 billon that equals $425,000.00.</p>
<p>My plan is to give $425,000 to every person 18+ as a &#8220;We Deserve It Dividend&#8221;.</p>
<p>Of course, it would NOT be tax free.</p>
<p>So let&#8217;s assume a tax rate of 30%.</p>
<p>Every individual 18+ has to pay $127,500.00 in taxes.</p>
<p>That sends $25,500,000,000 right back to Uncle Sam.</p>
<p>But it means that every adult 18+ has $297,500.00 in their pocket.</p>
<p>A husband and wife has $595,000.00.</p>
<p>What would you do with $297,500.00 to $595,000.00 in your family? I know that would have helped to <a href="http://www.kensavage.com/archives/reputation-management/">improve my online reputation</a> problem I had in the past.</p>
<p>Pay off your mortgage and <a href="http://www.kensavage.com/archives/police-foreclosures-can-occur-not-only-from-crimes/">avoid forclosure</a> &#8211; housing crisis solved.</p>
<p>Repay college loans &#8211; what a great boost to new grads with <a href="http://www.kensavage.com/archives/student-debt-consolidation-student-loan-rates-going-up/">student debt consolidation loans</a></p>
<p>Put away money for college &#8211; it&#8217;ll be there</p>
<p>Save in a bank &#8211; create money to loan to entrepreneurs.</p>
<p>Buy a new car &#8211; create jobs</p>
<p>Invest in the market &#8211; capital drives growth</p>
<p>Pay for your parent&#8217;s medical insurance &#8211; health care improves</p>
<p>Remember this is for every adult U S Citizen 18+  including the folks who lost their jobs at Lehman Brothers and every other company that is cutting back. And of course, for those serving in our Armed Forces.</p>
<p>If we&#8217;re going to re-distribute wealth let&#8217;s really do it&#8230; instead of trickling out a puny $1000.00 ( &#8220;vote buy&#8221; ) economic incentive that is being proposed by one of our candidates for President.</p>
<p>If we&#8217;re going to do an $85 billion bailout, let&#8217;s bail out every adult U S Citizen 18+!</p>
<p>As for AIG &#8211; liquidate it.</p>
<p>Sell off its parts.</p>
<p>Let American General go back to being American General.</p>
<p>Sell off the real estate.</p>
<p>Let the private sector bargain hunters cut it up and clean it up.</p>
<p>Here&#8217;s my rationale. We deserve it and AIG doesn&#8217;t.</p>
<p>Sure it&#8217;s a crazy idea that can &#8220;never work.&#8221;</p>
<p>But can you imagine the Coast-To-Coast <a href="http://www.kensavage.com/archives/neighborhood-block-party/">Block Party</a>!</p>
<p>How do you spell Economic Boom?</p>
<p>I trust my fellow adult Americans to know how to use the $85 Billion &#8220;We Deserve It Dividend&#8221; more than I do the geniuses at AIG or in Washington DC.</p>
<p>And remember, this plan only really costs $59.5 Billion because $25.5 Billion is returned instantly in taxes to Uncle Sam. </p>
<p><br/><br/><a href="http://www.kensavage.com/archives/2008-goverment-bailout/">Here&#8217;s What I Think About the Bailout of 2008</a></p>
<p><small><a href="http://www.kensavage.com/archives/2008-goverment-bailout/" title="bailout">bailout</a> (1)</small></p>

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]]></content:encoded>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>My PayPal Debit Card Was Cancelled and I Can&#8217;t Get A New One</title>
		<link>http://www.kensavage.com/archives/paypal-debit-card-cancelled/</link>
		<comments>http://www.kensavage.com/archives/paypal-debit-card-cancelled/#comments</comments>
		<pubDate>Tue, 02 Sep 2008 04:54:21 +0000</pubDate>
		<dc:creator>Ken Savage</dc:creator>
				<category><![CDATA[Consumerism]]></category>
		<category><![CDATA[paypal]]></category>
		<category><![CDATA[Security]]></category>

		<guid isPermaLink="false">http://www.kensavage.com/?p=1086</guid>
		<description><![CDATA[
I normally wouldn&#8217;t care, but I really loved using my PayPal debit card. It allowed me to leave my money in my PayPal account for the interest with the money market account portion or take it out at any time wat an ATM and not have to wait for transfers to my bank> It provided [...]<p><br/><br/><a href="http://www.kensavage.com/archives/paypal-debit-card-cancelled/">My PayPal Debit Card Was Cancelled and I Can&#8217;t Get A New One</a></p>


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]]></description>
			<content:encoded><![CDATA[<p><img src="http://www.kensavage.com/wp-content/uploads/2008/09/paypal-debitcard-cancelled-300x225.jpg" alt="My paypal debit card was cancelled" title="paypal-debitcard-cancelled" width="300" height="225" class="size-medium wp-image-1087" />
<p>I normally wouldn&#8217;t care, but I really loved using my <strong>PayPal debit card</strong>. It allowed me to leave my money in my PayPal account for the interest with the money market account portion or take it out at any time wat an ATM and not have to wait for transfers to my bank> It provided a cash back incentive and interfaced well with my financial software. Plus I&#8217;ve been a member of Paypal since 2000. I&#8217;ve done like 100+ transactions through paypal and even more on ebay.</p>
<p>That said, back in march of this year (2008) I was sent an email that said:</p>
<blockquote><p>&#8220;We have been informed that your PayPal Debit Card number may have been obtained by an unauthorized party as a result of a security breach at a merchant where your debit card was used to make a purchase. The security of your PayPal account information was not compromised in connection with this event. To help ensure your security, we have taken the proactive step of cancelling your PayPal Debit Card.&#8221;</p></blockquote>
<p>With my <a href="www.kensavage.com/archives/phishing-email-phone-and-mail-scams/">anti-phishing radar at high alert</a>, I made it a point to manually visit the PayPal site to do this and triple check for any problems, because it would be just plain embarrassing if some &#8220;l33t h4&#215;0r&#8221; compromised a security nut&#8217;s account. I was curious, too. After all, I wouldn&#8217;t give my card info to shady people/sites, and I definitely wouldn&#8217;t fall for a phishing scam. Failing both of those, I fairly religiously check my PayPal account for any strange activities, and until that point had never had any incidents. <span id="more-1086"></span></p>
<p>I trusted PayPal, though. If they said there was something funky going on, perhaps there truly was something funky going on. Anyway, I followed the steps, submitted the request, and was told by the form thinggy I should get a new one in 2-4 weeks.</p>
<p>&#8230;but then, nothing. Neither email nor phone call traveled my way. &#8220;2-4 weeks later&#8221; (probably longer than that), I tried again. But still, my mailbox never gifted me with my long-awaited, shiny new debit card.</p>
<p>Being the concerned, empathetic web backend developer that I am, I wondered if the form on PayPal&#8217;s site was simply malfunctioning. After all, there are plenty of inept coders out there, so perhaps PayPal got the shaft this one time. I found that if I submitted a request, I got the confirmation screen, but if I clicked the “Use debit card” link again, it stuck me back at the first screen again&#8211; as if I had never gotten to the confirmation screen in the first place. I tried submitting again and again and again, much like someone frantically pushing the call button for an elevator that has, quite literally, taken weeks to come. Naturally, that didn&#8217;t help, but it did cheer me up in a time during which I had started to lose all hope.</p>
<p>&#8230; and still, nothing. No email, no request for information. Not even a quit-clicking-the-stupid-button-you-dork error message. “Surely something must be horribly wrong,” I thought, “since my account&#8217;s been around since 2002, I&#8217;ve done every verification step they&#8217;ve asked of me excepting the [currently] optional anal probe, and everything else is working fine. Maybe it happened during the &#8216;new interface&#8217; switchover?”</p>
<p>I procrastinated, letting weeks slip by again, assuming others would be having similar problems and the bug would fix itself via annoying bug reports. Alas, it did not, and yet again, I was left in the sea of silence.</p>
<p>Having exhausted all other routes, I eventually divined the bright idea that I should call PayPal&#8217;s support line, so after laboring through what felt like 30 different “Are you a retard? Ask your question and check this FAQ three more times before bugging us” types of screens and trying several different numbers (all of which seemed to lead in circles), I finally found what appeared to be salvation: a screen that gave me a code to give to the phone system so that I could talk to&#8230; get this&#8230; a live person! A smidgen of joy dared a leap across my skin as a twinkle came to my eye. This was it.</p>
<p>“Finally! Now we&#8217;re cookin&#8217; with gas!” I exclaimed aloud. And thus, I called the number, entered the code, and was put into the, “please wait&#8211; all of our operators are currently busy” queue. At least I was getting somewhere. I was at the mercy of the hold system, and while it was faintly reminiscent of an S&#038;M dungeon, the elevator music on speakerphone brought a particular warmth to my room. I felt like dancing to it, but I suppressed the urge; for, soon my problem was to be solved, and I mustn&#8217;t miss the agent in the midst of my revelry. I&#8217;d soon be back to playing Wii, clipping my toenails, and, most importantly, using my debit card.</p>
<p>Miss Cleo saw it coming. I clearly did not, for to my surprise, I was disconnected. Again. Not even a click. Against all odds, nobody answered, nobody talked to me, and, quite simply, nobody cared. Not even a, “We&#8217;re sorry, but we simply don&#8217;t like you” kind of thing, either. Nope&#8211; none of that. At the very least, it would have been nice to have had a “Haha! You waited 30 minutes, sucker!” sort of message after it all. At least then I would have enjoyed a hardy chuckle and had tale to tell to my friends. Nay, for all of that would have been better for one deserving of response. I, undeserving of one, instead received what I had received countless times before: silence.</p>
<p>Since then, every month or so I&#8217;ve tried again. I hate the phone, so I&#8217;m not gonna sit on hold again just to be disconnected by some outsourced, paid-by-the-volume level-1 firm that pays its mortgage by hanging up on customers, so the options are running low. I&#8217;ve never had a problem up until now, and while I&#8217;m not going to quit using PayPal, this ordeal has definitely made Google&#8217;s new payment thing more enticing. After all, without the debit card, the only benefit to continuing to only accept PayPal in my auctions is&#8230; ermm&#8230; silence?</p>
<p>Anyway, here I am. I figure I&#8217;ll try something like this. Perhaps a more public venue was long overdue. I hate to sound like the proverbial difficult customer, but I figure that in this situation, if this is the only major blip in the last 6 years of flawlessly doing business with you, maybe something out in the open is better. At least this way, if in some way I totally screwed up there&#8217;ll be an easy way to point that out and encourage others to point and laugh, and I&#8217;d gladly admit any personal stupidity and welcome said ridicule.</p>
<p>I made sure my addresses were up to date, and even now I&#8217;ve double checked that all of my bank account/credit card information was fine. What more is there to do? I&#8217;m out of practice in my rain dances&#8211;actually, I lie; I never learned how to rain dance, but I would gladly learn if it meant that I could get my replacement debit card sometime before the end of the year.</p>
<p>Hopefully through here I&#8217;ll find something other than silence. Hopefully through this route, a route altogether new to me, I&#8217;ll find answers. Perhaps through this route I won&#8217;t be sent on a detour past the signpost up ahead and sent, once again, to a silent Twilight Zone. </p>
<p><br/><br/><a href="http://www.kensavage.com/archives/paypal-debit-card-cancelled/">My PayPal Debit Card Was Cancelled and I Can&#8217;t Get A New One</a></p>
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