Tuesday, February 18, 2014

Free Sex Offender Lists and More!

I didn't realize this, but many people didn't know that you can check for Sex Offenders in your area --- for Free. This is public information you can get any time on the Internet. And --no -- criminal convictions are Not Private! They are public information.

I recently had a chat with some women who were worried that someone in their neighborhood was a sex offender. They were very worried and fearful. When I told them just to check it at the state WEB site they had never heard of it. They actually thought this information was" private." Maybe some sex offender told them that... But anyway... Convictions are not "private." They are matters of public concern, so thus they are public information.

 Just go to any of these sites and click your state:

National Sex Offender Registry:
National Sex Offender Registry

Polly Klass Resources

Child Help USA:

Parent's For Megan's Law

You can find who might be living in your area and take appropriate precautions. When my son was small we found out a sex offender was living around the block just few houses away. After that my son never played alone in the yard. Just common sense.

So If you are concerned that a Sexual Predator is living near you just go to the WEB site and find your state. Happy Hunting.

If you want to just check to see that the person you are concerned about is some other sort of criminal, you can check a number of sites for free:

BlackBook Online

Check People.com

Remember..criminal records are NOT PRIVATE!!

Tuesday, February 11, 2014

There Really is A FREE Credit Report

There really is a free credit report. You don't need to join any "give us your card #" site in order to get this.

Just go to:
Annual Credit Report


The government mandates that you get your report free from the three major reporting agencies. If you go to the link above you can get all three reports at NO COST.

The reports are from

These are Big Three Credit agencies who most possible creditors will check for your credit.

It is worth looking at. We found that some bills we had paid off years ago are still listed on our reports. We are able online to dispute these.

It used to be in the "old days" that within 60-120 days of paying off a debt, it was removed from your report. But now with so many people in financial distress, it takes much longer to get these items removed from your credit information.. To get your corrections in process more quickly, file the dispute. 

Enjoy your Holiday!

all right belong to the author

Monday, February 3, 2014

Cheap Emergency Heat!

With all the crazy super cold weather this winter, some people need to be concerned about not just lowering their heat bills, but emergency heat if they loose power. We heat with all electric so its particularly an issue for us. Now we have two fireplaces, so we aren't going to freeze if our power goes out, but others particularly those who live in apartments, don't have that option.

1) If you loose heat take steps to immediately keep all your heat in your house. The fastest way you loose heat is it radiating out your windows.  To keep heat in your house seal them up! You can use blankets, quilts, or boxes and newspapers. One very effective way is to staple an opened cardboard box or old quilt across the window frame and then stuff to space between the glass and the covering with crumpled newspapers. This temporarily insulates the space until you get your power back on, and is an easily disposed of after the emergency is over. So cover any windows you don't need for light and seal in that heat!

2) Use black garbage bags or dark colored cloth on south and east facing windows to absorb heat and warm you home. I talked about how black absorbs heat in other articles:

 Save Money on Heating Bills with a Heat Catcher

 (think dark car seats in the summer sun...Ouch!!) and can be used to raise temperatures in your home. So hang the black garbage bags in those sun facing windows and heat your home while the sun shines. To help seal those heat producing windows against heat loss at night cover them with blankets, quilts, or cardboard, and take the cover down at dawn when the light comes back. You can produce an amazing amount of heat with these heat catchers. On a sunny day in mid winter when it was below freezing outside, the temperature in space along the sun side of these "heat catchers" was 90 degrees F. All that nice warm air was floating into the room to heat it.

3) Make sure you have backup source of heat for emergencies. There are small emergency propane heaters on the market. Make sure you get one with Carbon Monoxide detectors on it. Carbon Monoxide is a deadly gas produced when you burn anything. Normally these type of gases go up the chimney, but when using these emergency heaters its best to get one with an automatic detection if the gas is building up.

4)  Wrap up! Wrap up in layers like people did in the bad old days before central heat!

5) Keep everyone in one small area. Body heat from several people can keep a room above freezing.

Good Luck and Stay warm until the power gets back on!

Note: All rights belong to author Lili Pintea-Reed