I've been saying this for years - milk does the body bad

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image890191299.jpgI just read an article in Men's Journal this month about the case against milk.

In a nutshell: "We're not calves, and we're not evolved to drink cow's milk" -Dr. Alexa Fleckenstein.

Some people can handle milk better than others do. Try giving it up for a month and see how your body responds. If you're like most people, you'll be better off without milk.


[Posted with iBlogger from my iPhone]

iPhone 4 stolen

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image1198860362.jpgWas ripped from box, most likely by an associate of UPS / UPS store.  It was stolen before it arrived at my house.

Opened box and someone cut the iphone 4 box open and took the iPhone and all accessories but left the rest of the torn box.


Serial number: 82034N51A4T
IMEI: 011951000392903
iPhone 4 32GB


[Posted with iBlogger from my iPhone]

Gruve makes sure you move

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Mom was right.  It's not good to sit in front of your computer for hours on end without moving.  Over time it can lead to blood clots in some bad areas, especially if you don't have a nice fancy ergonomic work station.

I just read about the Gruve, and it's on sale now at Amazon for today's Gold Box deal.

Sure, you could do the same or similar for cheaper but who wants to deal with the hassle?  Definitely worth checking out if you want to meet certain 'movement' goals - might even help you lose weight.  But it will make you healthier and that is probably worth the price of admission.

 

New credit card rules are in effect - see what you are protected against and watch out for new bank fees

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Release Date: June 15, 2010

For immediate release

The Federal Reserve Board on Tuesday approved a final rule to protect credit card users from unreasonable late payment and other penalty fees and to require credit card issuers to reconsider interest rate increases imposed since the beginning of last year.

"The new rules require that late payment and other penalty fees be assessed in a way that is fairer and generally less costly for consumers," said Federal Reserve Governor Elizabeth A. Duke. "Card issuers must also reevaluate recent interest rate increases and, if appropriate, reduce the rate."

Among other things, the final rule, which amends Regulation Z (Truth in Lending):

  • Prohibits credit card issuers from charging a penalty fee of more than $25 for paying late or otherwise violating the account's terms unless the consumer has engaged in repeated violations or the issuer can show that a higher fee represents a reasonable proportion of the costs it incurs as a result of violations.
  • Prohibits credit card issuers from charging penalty fees that exceed the dollar amount associated with the consumer's violation. For example, card issuers will no longer be permitted to charge a $39 fee when a consumer is late making a $20 minimum payment. Instead, the fee cannot exceed $20.
  • Bans "inactivity" fees, such as fees based on the consumer's failure to use the account to make new purchases.
  • Prevents issuers from charging multiple penalty fees based on a single late payment or other violation of the account terms.
  • Requires issuers that have increased rates since January 1, 2009 to evaluate whether the reasons for the increase have changed and, if appropriate, to reduce the rate.

The final rule represents the third stage of the Federal Reserve's implementation of the Credit Card Accountability Responsibility and Disclosure Act of 2009, which was enacted in May 2009. The provisions of the Act addressed in this rule will generally go into effect on August 22, 2010.

The notice that will be published in the Federal Register is attached.

Consumers can learn more about changes to their credit card accounts by accessing a new online publication, "What You Need to Know: New Credit Card Rules Effective Aug. 22." It explains key changes consumers can expect from their credit card companies as a result of the third phase of the new credit card rules. Additional information about credit cards can be found on the Board's website at: http://www.federalreserve.gov/creditcard/.

 

Attachment (1.73 MB PDF)