Home Safety

Stopping Unsolicited Mail, Phone Calls, and Email

Tired of having your mailbox crammed with unsolicited mail, including preapproved credit card applications? Fed up with getting telemarketing calls just as you're sitting down to dinner? Fuming that your email inbox is chock-full of unsolicited advertising? The good news is that you can cut down on the number of unsolicited mailings, calls, and emails you receive by learning where to go to "just say no."

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'One Ring' Cell Phone Scam

Who’s calling now? That number doesn’t ring a bell. Hold the phone, says the Federal Trade Commission. You could be a potential victim of the growing "one-ring” cell phone scam.

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Still Paying Private Refinance Insurance?

If you put less than 20 percent down on a home refinance, lenders often require you to have Private refinance Insurance (PMI). PMI protects the lender if you default on the loan. The Homeowners Protection Act of 1998 - which became effective in 1999 - establishes rules for automatic termination and borrower cancellation of PMI on home refinances.

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Home Equity Borrowers Beware!

Do you own your home? If so, it's likely to be your greatest single asset. Unfortunately, if you agree to a loan that's based on the equity you have in your home, you may be putting your most valuable asset at risk.

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Avoiding Home Equity Scams

You could lose your home and your money if you borrow from unscrupulous lenders who offer you a high-cost loan based on the equity you have in your home. Certain lenders target homeowners who are elderly or who have low incomes or credit problems—and then try to take advantage of them by using deceptive practices.

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Are Cosmetics Safe?

Serious problems from cosmetic use are rare, but sometimes problems arise with specific products. For example, FDA warned consumers about the danger of using aerosol hairspray near heat, fire, or while smoking. Until hairspray is fully dry, it can ignite and cause serious burns. Injuries and deaths have occurred from fires related to aerosol hairsprays.

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