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She was trying a new online simulator that allows consumers to see how making certain financial choices, like applying for a mortgage or even closing a credit card account, could alter their credit scores. There are two available right now - one from the Fair Isaac, whose FICO credit scores are used most often by lenders, and another from CreditXpert, a company that designs credit management tools. By working with the simulator, Ms. Mitchell said she learned that paring down her credit card debt would raise her credit score significantly. The credit simulators are also being used by credit-reporting bureaus and credit counseling agencies as an education tool. Introduced a year ago, the FICO Score Simulator offers six kinds of financial conjectures. For example, customers may hypothetically transfer credit card balances, push the spending limits on their credit cards or pay bills on time for the next month, three months or six months. They may even pretend to miss a few payments. (By the way, if your score is now 707, and you missed payments this month on all accounts on which a payment is due, your score would drop to the range of 582 to 632. But if, instead of missing the payments, you paid all your bills on time for the next month, your score could increase to 727.) Consumers can use the score simulator for 30 days through two packages [ranging from $13 to $30] that can be bought on www.myfico.com. For a larger selection of financial situations, there is the What-If Simulator from CreditXpert. Introduced in February, this simulator can also advise consumers on how to achieve goals like refinancing or simply improving their scores. Unlike the FICO Score Simulator, it allows customers to see how multiple actions would affect their scores. The What-If Simulator is not available directly from CreditXpert but can be bought at varying prices from some lenders, credit reporting agencies and other sellers of credit reports. A list of some sellers is at www.creditxpert.com. One customer, Christos Balis, 37, a chiropractor in Herndon, Va., learned that his credit score would gain twice as many points if he made a sizable payment on one particular credit card than it would if he made a comparable payment on another card. (He was closer to the credit limit on the first card.) He also found that a loan to remodel the kitchen would have little effect on his score. Because a person's credit profile can change constantly, both myFICO and CreditXpert say that the actual score may not increase or decrease by the exact number of points calculated by the simulators. But it should certainly move in the expected direction, they said, and often by roughly the same number of points. Related article: How to Rasie Your FICO - Kadet, WSJ / Kristof, LA Times
You also need to learn whether you can see out the back and along the sides, whether the backseat will hold your friends or the children without overlapping them, and whether the trunk will hold the golf clubs and duffel bag or groceries and luggage. Will it fit in your garage? Only one way to find out. Is the car equipped with an unusual or novel item, such as a navigation system or night vision or emergency communication system such as OnStar? Have the salesman demonstrate how that works to ensure you understand how to use it and whether you will use it often enough to justify the cost, if it is optional. The test drive also means that every knob, dial, button, lever or handle needs to be twisted, pulled, yanked, turned or pushed to ensure they work and the system they are designed to activate works as well. That means horn, lights, radio, air conditioning, heater, locks, mirrors, the works. Test Drive Don'ts Don't test a vehicle with a V-8 engine and then settle on the V-6 to save money without driving that vehicle to determine whether it performs as well as the V-8 did. Chances are it will not be as quick or as quiet as the V-8. Don't test the car with cloth seats and buy the leather or vice versa. Don't settle on a car color based on a 1-inch square in the brochure without seeing that color on a full-size vehicle.
Consumers who sign up for the National Do Not Call Registry by Aug. 31 can expect to start receiving fewer telemarketing calls by Oct. 1, when enforcement begins. Telemarketers must buy the FTC's list, which will sell for about $7,000 annually. Tax-exempt, nonprofit organizations such as charities are exempt from the do-not-call rules unless they use for-profit dialing services to make the calls. Surveys and calls on behalf of politicians are also exempt. The federal registry will work in conjunction with [almost all] 28 similar state registries and 37 states with laws governing telemarketing activity. Legislation is pending in Pennsylvania to adopt the National Do Not Call Registry and share the numbers on its state list with the national registry, the FTC said on its Web site; New Jersey is developing a state-specific do-not-call list. The Kansas list will automatically be transferred to the national list. But privacy provisions in Missouri's no-call law don't allow the state's list to be shared with the federal government. The rules allow telemarketers to continue calling consumers with whom they have an "established business relationship" for up to 18 months after a business transaction or three months after a consumer inquiry or application. That right holds true unless the consumer asks the company to place his or her number on its own do-not-call list. Consumers who choose not to use the registry can still stop individual telemarketers from calling by insisting that their numbers be removed from telemarketers' call lists. Federal law mandates that the telemarketers abide by the request. Stats from Day One Anitha Reddy, Washington Post 6-28 On Friday more than 735,000 home, fax and cell phone numbers went on a new national do-not-call list. This is a pace of 108 people per second. FTC officials predicted that the list would curb telemarketing calls by 80 percent. The registry does not apply to business phones. Registrations are good for five years. The e-mail filters at online giant Yahoo incorrectly identified the FTC's confirmation e-mail as bulk marketing and blocked its delivery. Yahoo tweaked its filters late yesterday to let the government's message through. The American Teleservices Association warned that the new system probably will lead to the loss of 2 million telemarketing jobs.
Healthy young workers question how much they should help pay for diabetic seniors. Things that used to be no one else's business - such as what people eat for lunch - are becoming everyone's business. Friction among workers is growing in some small companies, where employees tend to know one another well and can see how a handful of serious illnesses pushes up the cost of coverage for everyone. David Patterson, who owns Flanders Electric Motor Service, a small manufacturer in Indiana, says some of his workers reject the idea of sharing the cost burden with their less-health-conscious colleagues. The company has long had a system that penalizes workers who smoke, are obese or suffer from hypertension. Those workers have to pay $50 a month for health insurance. The others, whose habits are deemed more healthful, get the coverage free. To cope with higher insurance premiums, Flanders plans to shift more of the costs to its work force. But Mr. Patterson says the workers with healthful habits have already made clear to him that they aren't willing to pay any of the added burden. At Rockford Products, whose annual sales are about $110 million, health-insurance costs jumped 27% last year. So Rockford is requiring its employees to assume more of the health-care burden. Inadvertently, Rockford's managers may have encouraged some of the friction among workers. Rockford managers have discussed with workers how the bad habits of some lead to higher costs for all. The company calculates that 10% of its workers account for 80% of the health-care costs. The company also combed through 15 years of records and found that 31 out of 32 workers who had heart attacks or required major heart surgery were smokers. Ray Wood, the company's CEO, says he doesn't mind encouraging subtle peer pressure among his workers if it helps them give up costly habits like smoking. Younger workers are frustrated partly because they are having to pay more for health care even as they struggle to buy houses and raise families. Their older co-workers purchased homes years ago, when benefits were generous. With their own children grown, these elders now have money to spend on things few of the younger workers could afford. On the other hand, older workers have been paying for health benefits longer and toiling to build up the company for decades. So, they deserve to get the most back.
Scientists at Genencor International have engineered bacteria in common soil to produce an enzyme that attacks the grime on contact lenses, dishes and laundry. Novozymes AS of Denmark sells enzymes produced inside fungi for use in an industrial prewash for khaki trousers, terry-cloth towels and stone-washed jeans. The enzymes, which slice up cotton molecules without eating through the fabric, are used for softening and, in the case of stone-washed jeans, fading. And Cargill Dow sells plastics, now used in pillows, carpet tiles and food packaging, that are derived from corn sugar. Biotechnology's first commercial product - human insulin, made by Genentech - was produced by genetically altered bacteria, the same process later used to produce enzymes for household cleansers. One of Genecor's first successes was with laundry detergent. Traditional detergents consisted largely of surfactants, soapy substances that allow water to pierce fabrics and lift up dirt. The surfactants were helpless against proteins, which create strong chemical bonds with fabric molecules. The result: Grass, milk, tomato sauce and other protein stains ruined clothing. Using a technique perfected in drug development, Genencor scientists genetically engineered soil bacteria, which already produced proteases, to make laundry enzymes. Today Procter & Gamble Co. uses the protein-eating enzymes - as well as others that break down sugars and oils -- in more than $7 billion worth of detergent sold each year. Spherix has developed a chemical process that the company says can double a fragrance's lifetime on human skin. Its line of synthetic molecules are designed to rebuff the millions of bacteria that coat human skin and consume fragrance molecules. Replace the vulnerable molecules found in fragrances with stronger versions of those molecules, and even the lightest eau de toilette can stay longer on the skin.
'Strategy isn't that complicated,' he told me last week. 'It really comes down to just three questions: where to compete, when to compete, and how to compete,'' Bose said. As an example, Bose mentions the battle of Chaeronea, between Macedonia and the Greek city-states of Thebes and Athens. In this battle, Alexander picked exactly the right place to engage the enemy, and waited nine months for the perfect time to attack. Then he baffled his opponents by attacking aggressively and then falling back into retreat. When his opponents emerged from their superior defensive positions in pursuit, Alexander quickly turned aggressive again, crashing through their suddenly vulnerable defenses. And the business parallel? Bose holds out the case of Honda, which entered the US market quietly and strategically in 1959 by opening a single shop in Los Angeles selling a small moped, the Honda 50 SuperCub. [Partha Bose's book is entitled 'Alexander the Great's Art of Strategy'] [From Bose's book, on how Alexander changed warfare:] 'Before Alexander, warfare had all been about a full-frontal assault, one side attacking another like till the larger army prevailed. Alexander was the first general to reveal how a smaller force could repeatedly overwhelm a larger one through smart strategies and tactics. He showed how to overwhelm an opponent by attacking his most decisive position, demonstrating where that decisive point of an enemy's front or flank should be. He revealed how the most decisive point is not necessarily the weakest - as everyone had assumed. ' [From writer Curt Schleier: Alexander was the first military leader to split his forces up and attack from more than one direction. Note - I skimmed the intro to the book, and it appealed to me both as history and as strategy.]
Lisa Barron, professor of organizational behavior at the university's Graduate School of Management, studied students nearing completion of their MBAs, 21 men and 17 women. In mock job interviews, each student was offered a $61,000 salary by a manager for a fictitious company, Indostar. Right after the interviews, Barron asked the students, most of whom were engaged in real job searches of their own, to report on the Indostar negotiations. The findings were striking, albeit troubling for women: Men, responding to the salary offer, asked for $68,556, on average, while women requested $67,000 for the same job. More revealing were differences in fundamental beliefs men and women expressed about themselves when Barron questioned them: 70% of the men's remarks indicated they felt entitled to earn more than others, while 71% of women's remarks showed they felt they should earn the same as everyone else. Also, 85% of men's remarks asserted they knew their worth, while 83% of women's remarks indicated they were unsure.
Under current law, paper checks generally must physically move by trains, planes and trucks from the banks where they are deposited to the banks they are drawn. But under the House and Senate bills, a California bank would no longer have to ship a check to a New York bank; instead it could transmit it electronically to the consumer's bank for clearing, processing and settlement. Customers would recieve, at most, a reproduction of the original check in their monthly statement. [Making the reproduction check 'optional' bothers me. See last paragraph. Repro checks NOT having the same status of legal proof as standard checks is also a concern. See the 'more info' article. The fact that this issue is not reported by so many news outlets that it appears to be a conspiracy of silence - that scares me.] The banks and the Federal Reserve Board have pushed for the legislation, arguing that it would result in substantial savings and greater efficiencies. The Fed estimates that 42.5 billion checks are processed annually, with millions of them physically transported between banks each day. About 5,000 of the Federal Reserve's 23,000 employees help process checks. 'We are concerned that consumers are adequately protected in case of a problem,' said Janell Mayo Duncan, legislative and regulatory counsel for Consumers Union. Under the House bill, if there is any dispute about a check, such as if a bank debited an account twice, the bank would have to recredit an account up to $2,500 within 10 days until the dispute is resolved. But that only applies if the consumer receives a substitute check. If he or she does not, there would be no such recrediting. Duncan said consumers have more protections when they use debit cards. [From wsaw.com: Any amount over $2,500, accounts that have been open less than 30 days, accounts that are repeatedly overdrawn and instances where the bank suspects fraud, would not be covered under this provision. In those cases, banks would have 45 days to re-credit. NOTE: There was no date on this article - so it could be old and invalid info.] More Info Gail Hillebrand, Senior Attorney, Consumers Union 10-04-02 The bill MAY have been amended since the posting of the information below. Would a "substitute check" be as useful as an original check? No. The substitute check would be legally equivalent, under state and federal law, to an original check. However, the substitute check would not be as useful as the original check for proving forgery or alteration, because it can't be used to determine pen pressure, and is less useful for handwriting analysis. Would all electronic images of checks be legally equivalent to an original check? No. A consumer whose account agreement does not require the return of original (or substitute) checks may receive copies of electronic images, but those copies will not be legally equivalent to the original check. [Note: I am making a BIG deal about this issue because the IRS once applied a payment from me to another social security number, and the IRS would not accept a substitute check because they needed to see the back of the check, which my bank statements do not provide. The bank took three weeks to provide a copy of the back of the check. This took five weeks to resolve. I get hyper when dealing with the IRS. It was an unpleasant five weeks. I want a system that could solve such an easy problem in five minutes - like the bank e-mailing or faxing confirmation to the IRS while I wait on the phone. I only see the coming changes as making things worse. At present, I have the power to change banks for bad service. If the check is held at another unknown bank, I lose that power. And I lose control of the service fee.] Does the Act require that original checks be returned within a specific time period if the consumer needs the original check for any reason? No. In fact, the Act doesn't require return of original checks even when a consumer requests a particular check. If a substitute check was provided and there is a dispute about whether the check was properly paid, then the bank may have to find the original check if it does not want to resolve the dispute in the consumer's favor. If the consumer needs the original check for a reason other than an assertion that the bank improperly paid the check, the Act creates no right to get that original check. Does the Act restrict the fee that a bank can charge for finding and returning the original check? No. Will a bank be able to use information from the electronic images of checks to invade the privacy of a consumer or a business? Yes. The Act places no limits on a bank's use of information contained in its customer's check images. A bank might build a database using check images to determine which of its consumers shop at certain kinds of retailers, or what kinds of suppliers a business uses. Does the Act speed up the time when consumers get access to funds that they deposit? No. Some assert that check imaging might speed up check clearing, but there is no corresponding change in the funds availability law to ensure that any benefit of faster check clearing is passed on to the consumer. Will it be hard to prove a bank's responsibility if something goes wrong? Yes. The Act applies a standard called "comparative negligence." Under this standard, a bank which violates its obligations may partially escape responsibility for its acts if it shows that the consumer also contributed to the loss. The fact that the bank can assert that the consumer was partly at fault will make these cases more time consuming and expensive to resolve. Possible Benefits House Testimony of Fed Vice Chairman Roger Ferguson 9-25-02 Banks could use the new authority provided in this legislation in a number of different ways. For example, a bank would no longer need to send couriers every afternoon to each of its branches and ATMs to pick up checks that customers have deposited. Instead, digital images of checks could be transmitted electronically from those locations to the bank's operations center for processing. Not only would this be quicker and more efficient, but it could permit banks to establish branches or ATMs in more remote locations and to provide later deposit cut-off hours to their customers. By enabling the banking industry to reduce its reliance on physical transportation, the proposed act would also reduce the risk that checks may be lost or delayed in transit. Today, bad weather routinely delays check shipments and there have been occasions when checks have been destroyed in plane crashes. Banks might allow some corporate customers to transmit their deposits electronically. Because the act will likely encourage greater investments in image technology, banks might also be able to expand their customers' access to enhanced account information and check images through the Internet. In addition, banks might be able to resolve customer inquiries more easily and quickly than today by accessing check images. Just the Facts Cash Back Cards American Express is winner of this month's Fine Print Follies award for its "Cash Rebate Card," which promises "up to 5 percent cash back" on purchases. You pay off your balance each month? Sorry, Amex says, the most you can collect on any purchase is 3%. (The extra 2% only goes to those who amass interest charges.) You use the card at restaurants, boutiques, or department stores? Whoops, your rebate on those purchases maxes out at 1.5%. Your annual bills are under $2,000? Sorry, the best you can do is 0.25 to 0.5%. The 3% applies only to purchases made after a cardholder's annual billings reach $6,000. Discover Card, which pioneered cash-back offers, never quite delivers on its promises, either. "If you spend $10,000, you get 85 bucks. You can never get the 1%" says Robert McKinley, chief executive officer of CardWeb.com. (Jeff Gelles, Philadelphia Inquirer 6-22) Seniors & Divorce More people in their 60s, 70s and 80s are seeking divorce as a way to find health, happiness and a new start. From 1990 to 2000, the population of divorced senior citizens rose 34%, to 2.2 million people, according to U.S. Census figures. While some of these people split before age 65, divorce lawyers say the numbers are a clear indication of the divorce boom among seniors. Margaret Mead saw it all coming. She argued that marriage was designed for earlier eras, when parents raised children and then died in their 40s or 50s. One telling statistic: A full 65% of the people who have passed age 50 in the history of mankind are still walking the earth today. Marriage is a longer-term commitment than it ever has been - too long for a growing number of seniors. (Jeffrey Zaslow, WSJ 6-17) The Reason Men Like Big Breasts? Anyone who's tried to give up coffee knows that caffeine is physically addictive, and many suspect the same about chocolate, but a new book [The Hidden Reasons Behind Food Cravings] by nutrition researcher Neal Barnard, M.D., argues that other foods are just as habituating. Cheese, meats, and sugar release opiate-like substances that seduce us into eating them again and again. Cheese, for example, contains high levels of casein, a protein that breaks apart during digestion to produce morphine-like opiate compounds, called casomorphins. These opiates are believed to be responsible for the mother-infant bond that occurs during nursing. (Newswise 6-7) Consumer Health Newsletters Newsletters available from respected medical institutions: (1) Tufts Health & Nutrition Letter (www.healthletter.tufts.edu) focus on nutrition for everyday life; (2) Johns Hopkins Health After 50 (www.hopkinsafter50.com/html/newsletter/index.php) - Health and nutrition advice; (3) Mayo Clinic Health Letter (www.mayoclinic.com) - Topics of interest to women, as well as general health info; (4) Berkeley Wellness Letter (berkeleywellness.com) - General, prevention oriented health advice; (5) Harvard Women's Health Watch (www.health.harvard.edu) - General and practical information. (Tara Parker-Pope, WSJ 6-3) Low-Fat Grilling Ideas Try marinating a large portobello mushroom and grilling it like a burger. Serve on a bun. Cut fruit, such as apples, pears, mangoes, pineapples, and peaches, into chunks, brush lightly with canola oil, and place on skewers. Put pineapple slices or bananas sliced lengthwise directly on the grill. Grill slices of angel food cake for 1-3 minutes - until golden brown. Top with chilled strawberries, blueberries or raspberries. Make cantaloupe kebabs. Brush with a mixture of honey, butter and chopped mint. Cook 4-6 minutes, turning the fruit to grill each side. Fast-grilling vegetables include asparagus, broccoli, baby carrots, eggplant, okra, onion slices, pepper chunks, strips of summer squash and tomato wedges. (Mayo Clinic Health Letter 5-29) Quick Facts, Stats & Opinions Judges are dismissing testimony by physicians as anecdotal, setting standards for scientific evidence higher than what doctors and researchers use, and barring testimony when scientists in different disciplines disagree. In its 7-2 decision in Daubert v. Merrell Dow Pharmaceuticals, the Supreme Court ruled that, to be admissible, expert testimony must be based on a testable theory or method that had passed peer review, had a known error rate and standards, and reflected "generally acceptable" science. It instructed judges to be gatekeepers, barring testimony that falls short. (Sharon Begley, WSJ 6-27) Women who adopt their husband's names, and then simply add their names to their husband's credit-card accounts and other personal debt - instead of opening credit accounts in their own new names - run the risk of not providing themselves with an adequate credit history should divorce require them to acquire debt on their own. (Terri Cullen, WSJ 6-26) There are more than 130 billion one-cent coins currently in circulation. Since its beginning, the U.S. Mint has produced more than 288.7 billion pennies. Lined up edge to edge, these pennies would circle the earth 137 times. The average penny lasts 25 years. The Lincoln penny was the first U.S. coin to feature a historic figure and was the first cent on which appeared the words, "In God We Trust." (Laura Bruce, Bankrate.com via Boston Herald 6-17) According to a recent survey by Myvesta, a nonprofit consumer education group, the average vacation will cost $2,378 this season. The average trip price was $2,172 in 2002. American Express's 2002 leisure travel survey respondents said they planned to spend an average of $2,031. (Michelle Singletary, Washington Post 6-15) Last year, manufacturers put 150 new deodorant and antiperspirant products on U.S. shelves, according to market researcher Mintel International Group Ltd. In 2000, that number was only 20. This year's crop of 52 new deodorant and antiperspirant products through April is on a pace to top last year's record. (Charles Forelle, WSJ 6-15) Tech Tips & News Mundane Fixes Bill Husted, Atlanta Journal-Constitution 6-22 When you're faced by a balky gadget, turn it off, let it sit for a minute or two, and turn it back on. Many electronic devices use a computer chip - everything from cellphones to toys - so the use of this technique extends beyond computers. That's it. You're done. And more times than you'd believe, the problem is fixed. Most computer problems amount to the equivalent of a hiccup. Avoid the temptation to fix them. Instead, restart the machine and go ahead with your life. The next weapon in my arsenal of the mundane offers an instant answer to the most exotic computer problems. Let's say that, as you compute happily along, you receive a Windows error message that is totally incomprehensible. Up pops this message on your screen: "Fatal Exception Error 0D." Do this: Open up Google, and in the search box type a quote mark and then the exact message. At best you'll find some solid tips for fixing the problem. Many times, you don't need to understand why the fix works. Instead, you can laboriously follow the recommended steps - like a novice cook using a cookbook. The only caution here is to read several of the pages. Make sure the experts agree on the problem and the cure. Spam New Vehicle for Viruses BBC 6-13 British spam-filtering company MessageLabs said it has detected the first case of a virus sent by spam. Rather than sending itself to every address in the victim's address book, however, this virus allows spammers to use the affected computer to send more spam. Finding the source of the resulting spam messages would be virtually impossible, giving spammers a leg up on authorities trying to crack down on the problem of unsolicited e-mail. Users whose computers have been compromised by a spam virus would likely not have any idea that their machines were being used to send spam. "The only thing they might notice is that their Internet connection slows down a bit," said Matt Sergeant of MessageLabs. Online DVD Rentals Reuters, 6-11 Wal-Mart now rents two DVDs at a time for a charge of $15.54 a month, down from $18.86 the company when it launched its service. For three rentals at a time, Wal-Mart said the price will be $18.76, with a monthly fee of $21.94 for customers who want four rentals. Netflix charges a fixed $19.95 a month for an unlimited number of DVD rentals, but with no more than three at one time, without due dates, late fees or shipping charges. Netflix expects to end the current quarter with 1.13 million to 1.15 million subscribers. Wal-Mart has under 100,000 subscribers. Blockbuster is testing its own DVD rental program. Turbo10 is Better than Google?? Kieren McCarthy, The Register, 5-30 You're not going to believe this, but a new search engine has just appeared and, well, it may be better than Google. You can go try it now - it's at Turbo10. It's called Turbo because, spokeswoman Megan Hamilton explains 'we wanted a name that connoted speed. The 10 is used because we show 10 results per page.' Turbo10 searches the Deep Net - a vast array of specialist databases that range from business associations, universities, libraries, and government departments. These specialist search engines are inaccessible to traditional crawler-based engines such as Altavista.com and google.com who can only index static pages. Turbo10 is the first commercial metasearch engine to connect to hundreds of these specialised engines en masse, broadening the depth and range of search results for the online searcher. Turbo10 let's you select up to 10 search engines to run a search through. If you only select these three, Turbo10 will run a search and also choose another seven search engines it sees as best-fits for your search. When we first started trying out the engine yesterday, it had 1102 search engines available. At the moment, it links to 1108. So, basically, you could use the Turbo10 default setting (about, altavista, bbc, dmoz, encyclopaedia, goggle, msn, yahoo) for general Web searches but if you want a news story, you set up a collection of 10 news search engines and call it "news". [Note: Turbo10 is still in beta - and the first two times I attempted visit, it was 'shut down' from too much traffic. It is very true that it reaches into sites that google does not. But that is not always a good thing. An example: when doing a search on the study 'Calibration of Probabilities' (a study that concluded that we are overconfident in the precision of our knowledge - and cited in Terrance Odean's 'Do Investors Trade Too Much?'), it produced at long list of syllabi of courses at numerous universites where it is required reading. Ironically, Turbo10 is extra slow when you search criteria (the words you place in the search box) is extra long. Still, I am going to use it a few more times, attempting to find some occasions where it is more useful the google, because it sure is a bit different.] Home Page Previous Factoid Top Sites
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