Pit-falls of E-mail credit card statements

To cut mailing costs, some banks are encouraging cardholders to receive their monthly account statements via e-mail. But while it’s tempting to take the paperless plunge it may pay to be old-fashioned.

You may confuse your legitimate online statements with a bogus e-mails sent out by the online scammers known as phishers. They are those who design e-mails to look like official business from banks and other institutions. They are hoping that you will reply and give them your financial information. Then scammers would set up fraudulent accounts, or worse, steal your identity. Anyone can fall victim to a scammer, but receiving credit card statement through e-mails increases your chances. Not only that, e-mail statements can create problems too. Sometimes spam filters will mistaken bank messages for junk and discard them. You could lose track of payment dues and end up paying late fees. When it comes to certain paperwork, stick to paper.

Good night sleep

Next time you turn off the lights, turn on the CD player. Listening to music at bedtime can help you nod off faster, sleep longer, and feel more rested in the morning according to study. The type of tune isn’t so important. What matter is the tempo – ideal is a slow 60 to 80 beats a minute. The music should be calm, with no jarring rhythms. And your player should be set on a timer so you won’t lose sleep worrying about turning it off.

Establishing Good Study Habits!

It can be quite a struggle to get your kids to a study every day after school. But homework is a fact of life for school-age children. As parents, one should aim to make learning at home, and not a burden.

Mostly, parents require their children to do homework after school but children are already tired and stressed during this time. Studying right after they arrive home will no longer be effective, they need to take a few minutes to relax, eat, change clothes and get organized.
Good study habits should already be formed at the start of the school year.

Here’s how:

Establish a routine that your child can follow. Study time should take place at the same time every day, so that he’ll learn how to schedule his activities. This also gives him a sense of control over how he spends his time.

Make him study in blocks of time, with breaks in between. No matter how short, breaks can be very relaxing and invigorating. It can also help him get back into the mood. Plan the schedule with your child.

Turn off the TV Homework must be finished before watching TV, with no exceptions.

Pick a good place The study area should be away from distractions, with a table and chair, good lighting, and comfortable temperature. To keep your child from having to get up every few minutes, the area should already have books, notebooks, and paper and other supplies in place.

Be advance Have your child study his notes as if he’ll be having a quiz the next day (even there won’t be any). This will help condition his mind, and increase memory retention. Once he develops this habit, he will find it easy to prepare for succeeding lessons.

Spend time with your kids The input we give during study periods will help form a bond, and hopefully make studying more enjoyable. Offer lots of encouragement; for sure, your child will love the attention – and the fun!

Off The Cuff


Makeup could get in your outfit to. To manage the mess:

Lipstick Soak stain in a dry-cleaning solvent or pretreat with prewash stain remover. Launder as using the appropriate bleach.
Makeup Sponge with or soak in dry-cleaning solvent. Launder as usual using the appropriate bleach.
Mascara Rub stain with a liquid detergent. Launder as usual using the appropriate bleach. (Some water-proof product cannot be removed.)
Nail Polish Sponge with acetone after first testing on a hidden part of the item. (Do not use acetone on fabrics containing acetate or triacetate; it will dissolve them.) Launder as usual using the appropriate bleach.