Kavmerica.com

Despite what you might think or hear on the news world peace is achievable, at least in a broad sense.  Honestly, it isn’t even a very difficult problem to solve.  It all comes down to economics.  The “You have something I want” type thinking has been around since the days of Adam and Eve.  If  WWII showed us anything it was that kind of thinking is still alive and well.  Japan went to war and expanded throughout the pacific in order to bring more resources under their control.  Germany vilified the Jews because they were to convince people that Jews were responsible for their economic plight.

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Credit Cards have become ubiquitous in today’s society. Some people use them sparingly while others use them to extend a lifestyle that they cannot afford and there in lies the problem. Once you have fallen into the credit card trap the companies who administrate the cards have all sorts of ways to keep you in debt. In fact you’ll probably be astonished to learn of some of their techniques, listed below:

1. Even if you have been a card holder for years and never missed a payment they can still hike up your rate. They don’t have to have a reason if they have it written into your fine print. That’s why it is so important to read the tedious paragraphs on the back of your application. Many credit card companies have this ability so be careful! Your credit card company doesn’t care about you, they only care about making money.

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Most people would say they hate telemarketers but this story will really make your blood boil. Recently the Federal Trade Commission broke up a huge telemarketing scheme run by a company called Suntasia. Suntastia schemed and stole a total of $172 million dollars from it’s victims. Right about now you are probably thinking it’s a good thing that the FTC broke up this scam…

Well the FTC stopped the scam and then proceed to fine the company $50 million dollars. Sure that is a lot of money but they stole $172 million. That is $112 million dollars that they get to keep with the governments approval. Where is the incentive to keep these criminals from victimizing again. In effect they have been let off the hook with barely a flick on the wrist. Sure $50 million dollars is a big fine but why let them keep any money at all? If anything this is sending a loud and clear message to other criminals that they should look into ripping people off in this manner because there is the potential for huge profits once you give the government their share.

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Many people feel that they need to have Microsoft Office in order to be productive on their computer. While this may or may not be the case Microsoft has come out with some attractive pricing options.  You should also be aware that Microsoft sells 5 different versions of their office suite.  A handy comparison is Available Here.  If you’re a home user or a student headed off to college then the Home and Student Office package is a very attractive option.  The retail price of $149 can easily be beat at many locations.  If you need it right away Staples and Bestbuy carry it for only $99, while online retailer Amazon.com has it for $74.99 and they’ll ship it for free.

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The morning cup of coffee has become a ritual for many people here in the US and companies, whether it be Dunkin Donuts, Tim Hortons, or Starbucks, have parlayed our addiction to caffeine into a multi-billion dollar a year business. Many Americans fork over thousands of dollars each year to satiate their need for the brown beverage.  Consider the following:

$1 Dollar cup of coffee 5 days a week for a year: $260 / year
$2 Dollar cup of coffee 5 days a week for a year: $520 / year
$3 Dollar cup of coffee 5 days a week for a year: $780 / year
$4 Dollar cup of coffee & a pastry 5 days a week for a year: $1,040 / year
$5 Dollar cup of coffee & a pastry 5 days a week for a year: $1,300 / year

or

$1 Dollar cup of coffee 7 days a week for a year: $365 / year
$2 Dollar cup of coffee 7 days a week for a year: $730 / year
$3 Dollar cup of coffee 7 days a week for a year: $ 1095 / year
$4 Dollar cup of coffee & a pastry 7 days a week for a year: $ 1,460 / year
$5 Dollar cup of coffee & a pastry 7 days a week for a year: $ 1,825 / year

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