If you’re in the market for credit repair, you should familiarize yourself with something called CROA, an acronym for a piece of legislation passed by Congress all the way back in 1996.  It stands for the Credit Repair Organizations Act and it is intended to protect consumers from the abuse prevalent in the industry back then (which was really bad, if a Republican controlled House and Senate was able to agree to it!).

CROA stipulates many consumer-friendly policies which must be followed by any company you hire to fix your credit rating, such as no upfront payment for services unless there are actual results.  Companies may not pursue illegal tactics such as creating new identities solely for the purpose of avoiding creditors.  Be sure to ensure that any business representing you follows CROA strictly!

So I received a W-9 Form and had not idea why, then I realized I had done some freelance work for a company and that must be it. I was right, when checking to see who was requesting the W9 Form from me I realized that it was indeed the company company I had done the work for. Receiving a W9 Form (which is an IRS Tax Form) is common for those providing freelance or consulting work. So the next time you receive a W9 Form you will know what it is.

Wow, will unlocked cell phones ever be like anything seen in the “Star Trek” television franchise?  No more handsets; just little badges you wear that communicate not only wirelessly but hand-lessly as well!

Yes, true, in the original series Starfleet personnel had to hit their badges in order to activate their, I dunno what you call ‘em, communicators, say — they had to be tapped in order to initiate communications, but by the time of “The Next Generation,” all that had to be done, if I recall correctly, was just speak!

The person would just speak and somehow — artificial intelligence of a most exotic order?? — the devices would be facilitating communications, on-cue!  Except…well…whatever was the cue, exactly??