Other Sources of Information To Help You Protect Yourself.



From time to time we will list websites you can link directly to that may contain valuable information. We are not compensated in any way for this service. The most recent articles are posted at the top.

* Information contained herein is believed to be accurate when posted. However, many of the articles do not specify dates and you should check for additional updated information.

Stay Up-To-Date on the Latest Scams

Get expert advice from attorney Steven J. Weisman on whether you should place freezes on your credit reports and when you should take them off. Weisman is the author of Identity Theft Alert and is the founder of the scam - information website scamicide.com.

The website is a treasure trove of information about various scams you may not know about.

Stay Connected with Your Smart Phone when Off the Grid with the Beartooth App

  • Click Here to connect to Beartooth.com and learn more."

Hilton Head Hosting Visioning Workshop on October 19th

  • Click HERE to access information about the meetings, workshops, surveys and subsequent survey results.
  • View the PDF Document HERE.

More Steps to Take to Protect Yourself From Another Massive Cyber Attack

  • Click HERE. - posted September 20, 2017

Update on Hurricane Marie - posted September 20, 2017

  • Puerto Rico without power as Maria hammers island. Click HERE for full story.
  • Where is Hurricane Maria going. And when will it hit? Click HERE for full story.

Update on Mexican Earthquake - posted September 20, 2017

  • Mexico earthquake death toll surpasses 200. Click HERE for full story.
  • 25 people died in a school in Mexico City. Click HERE for full story.

Additional Burn Dates for Yard Waste from Irma Have Been Added - posted September 14, 2017

  • Click HERE for additional burn dates from Irma on Hilton Head Island.

The Equifax Data Breach - posted September 14, 2017

  • For an Equifax update Click HERE.

Get the Latest Word on Debris Disposal for the Town of Hilton Head - posted September 14, 2017

Hurricane Irma Cleanup Help In South Carolina - posted September 13, 2017

  • Click HERE for Information On Clean-Up Help in South Carolina after Irma.

Hilton Head Island After Irma

  • Click HERE to read more from the Island Packet.

How to Protect Yourself from a Consumer Credit Bureau Attack

  • Click HERE to read how to protect yourself from a consumer credit bureau attack like Equifax.
  • For more information on your legal rights dealing with Equifax click HERE.

Reentry to Hilton Head Island - posted September 12, 2017

Good evening, Islanders,

What a day it was! How proud all Islanders should be of their Town, including all First Responders, Emergency Operations Center personnel, the Beaufort County Sheriff's Office, our utility providers and everyone else who assisted.  We weathered an incredible tropical storm and many have sustained some flooding and other damage from the combination of rains and storm surge intersecting with high tide. Irma has all but passed now and our resources are laser-focused on helping one another repair, recover and welcome all of our Islanders home. 

About Re-Entry

Your Town is hard at work right now preparing for your return. The Hilton Head Hospital Emergency Room operations are in the process of being restored. The damage assessment of roadways and causeways that is currently being conducted by Beaufort County and SCDOT should be completed by Tuesday at 8:30 a.m. Utility companies and PSD's are working to repair any outages and service interruptions. As of this writing, 8,100 Palmetto Electric customers on Hilton Head Island are without power. Your Fire Rescue is fully operational.

Our goal is to be prepared to allow re-entry to the Island tomorrow upon the lifting of the evacuation order by the Governor. Once the Governor has lifted the evacuation order, and the Town has simultaneously done likewise, you will be free to cross the bridge without interruption and return to your homes and businesses.
We have sustained damages, and many of our neighbors in Bluffton, Beaufort and Beaufort County have too. Let's extend to each other compassion, encouragement and assistance. Thank you so much for your patience and support during this time. Your Town looks forward to your return.

Sincerely,

Mayor David Bennett

Hilton Head Appears to be Okay after Hurricanes Harvey and Irma - posted September 11, 2017

We have made a pass through all of Forest Beach (North, Central and South) and are pleased to report that there is no evidence of any flooding, storm surge or wind damage!  Winds during the main storm were well under 50mph with minimal gusts.  There are spot drainage issues along some road edges, but nothing more serious than a typical Island storm.  There were no flooded streets observed and no trees down that could be seen from the roadways traveled upon.  The main roads were all clear and only vegetative debris observed on side roads.  There is no evidence of storm surge in Forest Beach.  The most likely location would be Coligny Beach and all was clear and dry when inspected.

Other areas of the Island have reported some flooding, most in the toe of Sea Pines and again at Hudson's on the Dock on the north end of the Island, with isolated roadways in some of the plantations.

Due to the number of members who requested that we inspect their properties and the lack of any evidence of storm related damage, we have not attempted to inspect each location.  We anticipate that the evacuation order will be lifted soon (possibly as early as tomorrow) and folks will be allowed back on the Island. 

If any further storm activity occurs, we will advise you if the above situation changes.

John Snodgrass,
Executive Director,
Forest Beach Owners' Association, Inc. 

Four Ways to Survive a Hurricane - posted September 11, 2017

  • Please click HERE for recommendations on what to do when a hurricane is bearing down on you.

Hilton Head Island Ordered to Evacuate - posted September 9, 2017

  • Please click HERE for more information.

Hurricane Irma Apps - posted September 9, 2017

Shorewood Irma Update - posted September 11, 2017

  • Click HERE for a Shorewood property damage update. 

Atlantic States Management Update - posted September 8, 2017
Atlantic States Management will close at 5pm today to prepare for the possibility of evacuation. 

Hurricane Assistance At Forest Beach On Hilton Head Island - posted September 8, 2017

Hurricane Irma and Hilton Head Island - posted September 7, 2017
Hurricane Irma, a Category 5 hurricane, is tracking north of the Dominican Republic this morning and will then head for the Turks and Caicos and the Bahamas, before posing a serious threat to Florida and parts of the Southeast beginning this weekend.  You will be receiving additional information from Atlantic States Management as it becomes available from the National Hurricane Center, the State of South Carolina and/or the Town of Hilton Head Island.

Click here for hurricane preparedness PDF.

As of this morning, Hurricane Irma remains a category 5 Hurricane with winds of 185 mph.  For the next three days, Irma will move west-northwest on the south side of a ridge of high pressure called the Bermuda high, centered in the central Atlantic.  By this weekend, Irma will begin to turn north in the direction of a departing southward dip in the jet stream that will set up in the eastern United States. Where that northward turn occurs will be critical for what impacts Irma may bring to parts of the southeastern United States.

As of now, a mandatory evacuation has NOT been issued for Beaufort County. If evacuation is announced, it will likely be sometime between Friday and Sunday. You should continue to monitor the situation by checking The Weather Channel at https://weather.com/storms/hurricane-central, the State of SC website at www.sc.gov, Beaufort County's website at http://www.co.beaufort.sc.us/, and the Town of Hilton Head website at https://www.hiltonheadislandsc.gov/. On the Town of Hilton Head's website, you can sign up for emergency alerts which will be sent to your phone.  Another website for up-to-date hurricane info is www.scemd.org.

Owners should take all measures to have a representative to secure their personal belongings such as patio furniture, plants, etc.  In the event of a mandatory evacuation, Atlantic States Management will be taking all measures to secure association records, insurance policies, computers, etc. and will not be able to handle individual personal requests.  Once a remote office is established we will send regular e-mail updates to all owners. 

Please also note that elevators will be shut down in the afternoon of evacuation day.  Crews will hold out as long as possible before shutting them down, however in order to avoid as much damage as possible, they must be turned off at the upper levels.

If a mandatory evacuation is announced for Hilton Head island, you should leave. If you decide not to leave, you should not expect immediate help from emergency personnel.

Evacuation Checklist from National Weather Channel:

  1. Leave as soon as instructed.
  2. Determine safe evacuation routes.
  3. Take pets with you. Don't forget their food and medication.
  4. Pack essentials: medicine, first aid kits, documents, blankets, pillows, phone chargers, critical contact info, glasses, valuables and documents that you can't replace.
  5. Beaufort County Emergency Management recommends that you DO NOT shutoff home utilities such as water and power.
  6. Take your vehicle and house keys with you.
  7. Unplug electrical equipment, including appliances, TVs, computers, etc.

Donate to the American Red Cross for Hurricane Harvey Victims
Click here to make a donation on the Red Cross website.

Get Tips From Local Experts in Popular Destinations in the US and Around the World.
If you go to 10best.com you will see handy travel lists, pictures and tips from local experts in the US and around the world.

You Can Escape Password Overload
If you want to be safe from ID theft or hacking you need to use strong passwords, but remembering many complicated passwords can be difficult. The solution is to use password management software like LastPass.com or Dashlane.com. To read about the five best password managers click here.

Choose the Best Hospital Not Just the Closest One
People assume that all hospitals provide more or less equal care.  They don't. Your local hospital may be superb, but do your research to find the best.

To find publicly available data to rate hospitals on various measures you might want to visit these websites.

Are You Looking for a Place to Retreat?
Go to retreatfinder.com to find information on more than 1000 places to relax, develop a more positive outlook, etc.

Travel For Less
To find out what the average traveler spends per day in almost 150 countries go to budgetyourtrip.com.

  • There are many gift rewards credit cards for travelers.  Compare cards by going to Nerd Wallet.
  • Chase Sapphire Preferred VISA consistently ranks as one of the top travel rewards cards even though it has a $95 fee.

Make Sure You Get the Lowest Prescription Prices
You can call pharmacies in your area to compare prices or use a computer or smart phone app to do this for you such as WeRX.com or GoodRX.com.

Compare Capital One Credit Cards

May 15, 2017 - Click here to compare credit card rewards and advantages.

A Hidden Trap in This Year's Extension to April 18th to File Tax Returns
Most taxpayers will get an extension until April 18th to file their taxes but some taxpayers used to having until June 30th to file special tax forms will have to file by April 18th this year. Taxpayers have until Tuesday, April 18, to file their 2016 tax returns and pay any taxes due because the customary April 15 deadline falls on a Saturday and Emancipation Day is observed on Monday, April 17 in Washington DC. Also, for people who have a financial interest in or signature authority over foreign financial accounts that exceeded $10,000 in 2016,there is an April 18 deadline to file a form with the Financial Crimes Enforcement Network - but there is an automatic deadline extension to October 16. In the past, the deadline was Jun 30 with no extensions.

This information is believed to be accurate but consult an account or tax lawyer for specifics.

Before You Buy a Mutual Fund You Might Want to Check Its Sharpe Ratio
The Sharpe ratio has been used by professional investors since the 1960s, when a Stanford University professor named William Sharpe, who went on to win a Noble Prize for his economic theories, created the formula. It captured the relationship between volatility and returns in a single number.

The Sharpe ratio gives you a much better picture of risk-adjusted performance than just raw returns.

Keep in mind that various other factors are important in predicting a funds performance - including the fund's expenses, whether the current manager has created its long-term record and whether the fund has a consistent investment style.

For more information about the Shape ratio go to Morning Star by clicking here.

Hotel Chains offer Perks to Guests who Book Directly
Tim Leffel, editor of Hotel-Scoop.com, claims Hilton lets direct bookers who are loyalty club members choose a specific room and check in digitally to avoid lines. Ritz Carlton and Starwood also offer perks to guests who book directly. Even if you check third party hotel sites always check with the hotel to see if they will match the price.

Tripping.com Claims to be the World's Largest Search Engine for Rentals
Tripping.com claims you can save time and money by comparing properties from the world's top renting web sites. With over 10 million rentals ranging from $10 to $10,000 per night a wide variety of accommodation can be found including luxury condos and furnished beach houses.

Young Disabled Female Passenger Robbed by Uber Driver on November 28th 2016
Two young college-educated women took an Uber ride on the west coast of the United States one night. When the Uber driver stopped to let one off he demanded an additional $20 for luggage in the trunk. They refuse to pay and attempted to take their luggage out of the trunk. He pushed the trunk door down over their heads. What makes the story especially disgusting is the slightly-built hundred pound young lady who was one of the passengers was wearing a heart pacemaker. She gave the driver, fearing for her safety, the only $15 she had. The driver was reported to the police and the company.

If you think this is bad read about the professor who was beaten unconscious by an Uber driver who didn't want to take him to the address he requested. The link is below. This is one of many, many assaults, attacks and robberies committed by Uber drivers.

Link to Full Uber Article

Fake Uber drivers gouge passengers at airports. See how to avoid them. Click here to read the New York CBS report on how fake Uber drivers rip off - fortunately not rob and assault- passengers."

Hurricane Matthew - Week Sixteen Update

Highlights for the Town of Hilton Head Island

Hurricane Matthew - Week Fourteen Update

Highlights for the Town of Hilton Head Island

Hurricane Matthew - Week Thirteen Update

Highlights for the Town of Hilton Head Island

Hurricane Matthew - Week Nine Update

Highlights for the Town of Hilton Head Island

FEMA Decisions Can Be Appealed

Town of Hilton Head Emergency Permitting Procedures: November 15th, 2016

The town of Hilton Head has released a media release with information regarding emergency permits. An owner affidavit is required for every repair permit.

Update- Week Four After Hurricane Matthew- Hilton Head Island

Hurricane Relief Fund-United Way of the Lowcountry
United Way of the Lowcountry is now collecting donations for disaster relief efforts. UWLC has a memorandum of agreement (MOA) with Beaufort County to serve as the agency responsible for collecting, administering and distributing funds for disaster services. Please mark all donations for disaster relief efforts “County Flood Relief”. These donations can be made online at uwlowcountry.org or donations can also be mailed to the United Way of the Lowcountry at P.O. Box 202, Beaufort, SC 29901. Checks should be made payable to United Way of the Lowcountry with "County Flood Relief" on the memo line. All donations are tax deductible.

Additional Hurricane Recovery Information & Special Meeting with State Insurance Representatives

Under the category of "I'm from the government and I'm here to help" comes a rather useful bit of information. Hurricane Matthew has demonstrated once again how difficult it can be in dealing with insurance claims related to catastrophic events.

The South Carolina Department of Insurance will participate in a Catastrophe Claims Town Hall Meeting in Hilton Head Island on Monday, October 31, 2016. The meeting will provide residents an opportunity to discuss insurance matters relating to the damages resulting from Hurricane Matthew. The meeting will be held at 3:00 p.m. at the Benjamin M. Racusin Council Chambers at Town Hall, One Town Center Court, Hilton Head Island, SC 29928.

Another sign of returning to normal. The town will once again begin accepting applications for new construction building permits on October 31st, but priority will still be to those seeking permits to repair existing structures.

Updated Damage Assessment on Hilton Head Island
Widespread storm damage was reported throughout Hilton Head Island in the aftermath of Hurricane Matthew. The cleanup continues throughout the island as a sense of normalcy begins to to return.

Read about the latest damage assessments and cleanup efforts at The Island Packet.

Other damage around South Carolina.

Columbia University Answers Medical Questions Online
If you have questions for health professionals that involve health fads, nutrition, emotional problems or other potentially embarrassing questions you can get answers on your computer from Columbia University. GoAskAlice.Columbia.edu.

Compare credit cards online
First we want to warn you, if you go to these sites you will probably be retargeted with ads on your computer. That having been said, two places that you can compare credit cards are creditcards.com and comparecards.com. Although these sites take paid advertisements from credit card companies, they offer comparative information on a wide variety of credit cards.

The Best credit cards for long available return times, up to 90 days, are Discover cards Return Guarantee.  Also ranking high is American Express cards Return Protection.

If you have excellent credit you may want to consider these cards:

Blue Cash Preferred Card from American Express: 15 month 0% introductory APR, 6% cash back at supermarkets, 3% cash back at department stores, 1% cash back on everything else, $150 bonus after making $1000 in purchases, $75 annual fee, Call 1-877-278-7357; BankAmaricard Cash Rewards Credit Card: 12 month 0% introductory APR, 3% cash back on gas, 2% cash back on groceries, 1% cash back on everything else, No annual fee, Call 1-800-932-2775.

Airbnb sued over hidden cameras
A woman is filing a lawsuit against the short-term rental website Airnb after finding a hidden camera in the California home she rented for a month.

Read full story at Latimes.com
Read full story at DailyMail.co.uk
Read full story at Mic.com

Hilton Head Mayor says illegally subdivided condos attract unsavory characters and cause fire hazards
In addition to what the Mayor said, an owner of a unit at Oceanwalk on South Forrest Beach Drive said these units allow criminals to hide in plain sight. Residents have begged the town to prohibit the practice of "off-the-grid" unregulated apartments. They say the occupants rent by cash and don't have to give a legal name or pass a background check. Bruce Bartow, an Oceanwalk owner is working to ban the splitting practice.

These complaints add to the problems caused by loud music that can be heard coming from the Holiday Inn hundreds of yards away, and the problem with trespassers at the Shorewood Villas pool.

For more information on this fire hazard and the possible dangers of criminals hiding in plain sight see the following links.

Six-story Hotel Proposed for Coligny area
Please follow the link below to the story in The Island Packet. Some people fear Hilton Head will become like Mertle Beach.

Read full story at Islandpacket.com

Websites Promising Helpful Information for Travelers
Several websites help you get the lowest price on a hotel room and a wide variety of selections. Priceline at Priceline.com promises that they have more contacts than anyone. Trivagio at Trivago.com compares hotel prices on 264 booking sites allat once. Expedia at Expedia.com lets you search over 435,000 hotels and 400 airlines worldwide. Hotels at Hotels.com has over 435,000 hotels in more than 60 countries. Hotwire at Hotwire.com offers more than 173,000 hotels throughout North America, Europe, Latin America and Asia.

Hilton Head Regime Manager PAI Closes Without Notice
Several regimes were notified of the closing on the day it happened.
Shocking News hit Hilton Head on February 26 when Property Administrators Inc. abruptly ceased business operations leaving it's clients to find a new management company. PAI's closure leaves over 20 community regimes scrambling to secure their financial records and find new managers. "The announcement blind-sided local property owners, who are now in a frenzy to get their operations back online", said Bob Deeb, an attorney with McNair Law Firm representing six of the regimes.

Read more here at Islandpacket.com.

New Way to Save on Prescriptions
A new service that can be found at www.goodrx.com promises reduced prices on prescriptions. Use GoodRx's drug price search to compare prices (just like you do for travel or electronics on other sites) for your prescription at pharmacies near you.
Once you find the best option, you can print out a "discount card" that contains GoodRx's Pharmacy Benefit Management (PBM) information, so the pharmacist can find the GoodRx quoted price.

Hilton Head Hospital Implicated in Alleged Medicaid Kickback Scheme
Hilton Head Hospital allegedly paid kickbacks to an island clinic that directed expectant mothers living in the U.S. illegally to the hospital as way to increase revenue from Medicaid, according to a recently unsealed federal whistle-blower lawsuit.

Read more here.

Government Spying on the Internet Makes Internet Privacy More Important than Ever
Recent television and newspaper stories about the government spying on ordinary citizens and collecting data from their cell phones has made internet privacy more important than ever. In February of 2012 the fourth article from the bottom of this section talked about startpage.com which claims to be the most private search engine in the world. The article about that one gives more advice on how to protect yourself on the internet with Hush Mail, Spam Cop and Firefox.

Articles on this topic can be found here.

To learn how Google and other internet companies are handing over your data to the NSA click on the following link. To see a 1 minute 37 second speech by Representative Peter DeFazio on the house floor in 2007 about the possible reason for the governments data collection and spying on the internet click here.

Five years ago investigator reporter Christopher Ketcham disclosed the spying that was confirmed last week by whistle blower Edward Snowden. To read this article click here.

Do your homework before signing up for internet or email service. For example, Reagan.com says it does not copy, scan or sell one word of your email content. However, their privacy policy states that "we may also use one or more advertising network providers to help present advertisements or other content on this website". "These advertising network providers use cookies, web beacons, or other technologies to serve you advertisements or content tailored to your interests you have shown by browsing on this and other websites you have visited". Reagan.com disclaims any responsibility for the privacy policies of the advertising networks. To see the Reagan.com privacy policy for yourself click here and go to "Privacy".

Check not only what is in the advertisements but also what is in the fine print including privacy policies and other practices or policies that may apply as well as information about the experiences others have had.

Fraud Alert: Phone Scam
WARNING! South Carolina's electric cooperatives want you to be aware of a telephone scam targeting co-op members. Scammers misrepresent themselves as co-op employees may call and threaten to turn off electric service if payment is not made immediately. Typically victims are told to purchase a Green Dot MoneyPak or other prepaid debit card and instructed to provide the card number to the caller.

WHAT TO DO IF YOU GET A CALL: If you doubt the legitimacy of a caller, especially one demanding payment, hang up and call your cooperative directly or visit a local customer service center.

Above information from the May 2013 issue of South Carolina Living.

Port Royal Plantation Scandal
We have heard that long time Port Royal Plantation General Manager Dan Davis was unanimously terminated by the board on March 15, 2013, after an intensive investigation. It is claimed that certain conduct on Davis' part was ongoing for 17 years. Also terminated were Chief Tim Logwood and Master Sgt. Jamie Quick because of what is claimed to be an illegal and unlawful payroll arraignment going back at least to the year 2012. Allegedly Chief Logwood would approve officer Quick for a full day's pay when he knew full well that she was off during work hours. There are also allegations of missing cash receipts from security gate passes for a few years. The information is based on documentation we have received.
Read More in the May 7th edition of Island Packet at http://www.IslandPacket.com.

Crime Hits North Forest Beach
A number of vehicle break-ins has hit North Forest Beach this past week. One night along Park Road, and another along Lagoon Road and Heron Street. We urge everyone to always lock your vehicle and remove any valuables from the vehicle. If you cannot remove personal items, store them out of sight under a seat or, better yet, in the trunk or a locked compartment. An intruder shot multiple times at a Spanish Wells Plantation resident after security alarms went off at 5:45am on May 5th.
Read more at http://www.IslandPacket.com and http://www.IslandPacket.com.

Don't Like Taking Pills?
Many over the counter medications are supplied in a "one size fits all" form. For example if your doctor suggests that you take something like Prilosec OTC you might explore the possibility of taking only one half of the dosage to see if that cures your problem. Many prescription medications come in different size doses and you might ask your doctor if you can start out with the smallest dose appropriate under the circumstances to reduce the amount of medication your body is exposed to. These are only suggestions and medical advice can come only from medical professionals.
Read more at http://www.reuters.com.

Swap Homes Instead of Renting a Hotel Room
Home-exchange programs dramatically cut travel costs and often make excursions more enjoyable. Here are agency websites: HomeExchange.com is the largest agency and great for domestic travel. HomeForExchange.com has a low membership fee and is strong domestically and in France and Australia. HomeLink International is one of the oldest agencies with English-speaking employees in many countries as a contact and is particularly strong domestically and in Australia, France, Germany, Great Britain and in the Netherlands. Home Base Holidays is very strong in the UK and a reasonable choice for Americans hoping to travel there.

Free Emergency Alerts
Get free alerts about local weather advisories, power outages, natural disasters and other emergencies. Alerts can be received by email or cell phone. http://www.EmergencyEmail.org.

Best and Worst Insurers
Over 4,500 people were asked to complete a survey regarding the 20 largest insurance companies in the US. The private survey was completed in March 2012.

The best rated car insurance companies are USAA, Auto-Owners Insurance and The Hartford. The worst rated car insurance companies are Esurance, MetLife, Mercury General, Progressive and American Family Insurance.

The best rated home owner's insurance companies are USAA, Amica Mutual and Chubb. The worst rated home owners insurance companies are Citizen's Property Insurance, Fireman's Fund, Universal Property and Casualty, American Family and Auto Owner's Insurance.

The highest rated health insurance companies are Blue Cross Blue Shield of Illinois, Horizon Blue Cross Blue Shield of New Jersey and Kaiser Permanente. The worst ranked were Blue Shield of California, Assurant, Health Net, Aetna Life and Coventry Health Care.

Consumer Advice and Information from Nationally Syndicated Talk Show Host Clark Howard
His website Clarkhoward.com contains a great deal of information on saving money and avoiding scams. It also has information on investments, radio show archives, rip off alerts and travel advice. It has a daily update on travel deals, a travel booking guide and much more.

More Ways to Protect Yourself

Hushmail: Hushmail (https://www.hushmail.com) is an alternative to Gmail. It offers private, secure email accounts. Emails are encrypted and scanned for spam and viruses.

Spam Cop: Forwards copies of spam email to your ISP. If you are getting spammed a lot, Spam Cop (http://spamcop.net) can help you report spam to service providers.

Firefox: Mozilla Firefox (http://www.mozilla.org/en-US/firefox/fx) is a free web browser that recently released a private browsing mode. That allows browsing of the Internet without Firefox retaining any data.

Internet Privacy is Here
Startpage.com
claims to be the most private search engine in the world. If you read their privacy policy you will see that the IP address associated with your search is not recorded except for "abusive" (automated) queries. Startpage is enhanced by Google.

Independent Living
Up in Fort Mill, Hillsdale College graduate, Lee Bellinger, publishes his monthly, Independent Living. It contains cutting edge information on finances, investments, individual stocks, politics and retirement. He also has consumer tips that are very useful. His website is http://www.independentlivingnews.com. It is well worth a look.

Bottom Line Personal
Bottom Line Personal contains a wealth of information for consumers in eight categories including business, health, diet and exercise, travel, wealth and retirement. A twice monthly newsletter summarizes information not easily found elsewhere and lists what it calls "very useful websites". E-news letters are also available. See their website at http://www.bottomlinepublications.com.