Ann's Choice
 Ann's Choice 

Happening Today:

11:00  Town Hall

7:00  Keystone Sing-a-Long

Wanna take a ride on an Aircraft Carrier?  Join the Veteran's Club on Tuesday, September 19th in PAC at 7:30 where Charlie Reckner will tell you all about his trip on the USS Nimitz.

We now have the new restaurant menus which start on September 24th for your review.  Click here.

The RESIDENT SATISFACTION SURVEY begins on September 18 and runs thru October 6th - Please complete it.  Scroll to the bottom of this page for more details.  You are expected to be brutally honest.

New signage going up in Keystone - click here.

         KITCHEN VIDEO

We have the video shown at the RAC Town Hall available for your viewing pleasure.  Click here.

September 22 is the deadline to submit the form to change your flex meal plan.  For more info, click here and scroll down a bit.

Click on your Community to see the window washing schedule:

   Liberty

   Keystone

The walls are going up.  Click on the image to see lots more.  (As of September 1, 2017)

There are Internet sites that offer free learning videos.  Take a look.

Buy/Sell/Free/Want  Always new items !!   Free walker, a bike.  Vertical blinds, bike rack.

BUY/SELL

New golf cartoons on Humor page!!! and Why Seniors  become confused.

CONSUMER ALERTS

24/7 Holiday Shopping Begins Soon!

 

 

Just as holiday shopping becomes a 24-hour, seven day a week proposition for more and more retailers, consumers need to be on guard 24/7 when shopping for holiday gifts online, by phone or by mail, or through local brick and mortar stores.


Ads & Sales

  • Read store ads carefully. Is the store offering sale items at a limited quantity? Can you get a rain check if it's an out-of-stock sale item?
  • Take the ad with you when you go shopping to make sure you find the right item at the price advertised.
  • Focus on bottom-line prices, not discounts. Discount claims may not reflect real savings, if the seller inflated the original price of an item and then discounted it to make the "discount price" appear as a bargain.


The Seller

  • Buy from a seller you trust. Whether the seller is down the street or across the country, know who you're buying from. Be wary of online retailers that don't disclose contact information, including a phone number and physical address.
  • Understand the seller's return and refund policies. How long do you have to return the item? Will you get a full refund, store credit, or nothing? Is there a restocking fee? Do you need a receipt and the product packaging? If the seller ships an item that you later decide to return, who pays for shipping?
  • If you're making an online purchase, make sure it's a secure website. Secure sites use an "https" prefix in their web address. The "s" stands for secure, which means the site is not secure without it! Don't email financial information, such as credit card or bank account numbers.
  • If ordering online or by phone, use a credit card because credit cards generally offer consumers better protections in cases of fraud or disputes. Only give credit card numbers to sellers you know and that you called. Review your monthly statements to ensure the charges are correct. Avoid using a debit card, because debit transactions draw directly from your bank account. Don't wire money or send cash.
  • If it's a mail or phone order, the merchant is required to ship the item within 30 days of the order, unless the seller clearly discloses a longer wait in advertisements or catalog. If the merchant cannot meet the 30-day deadline, the seller must disclose it to the customer and offer the option of a cancellation and full refund.
  • If you're buying through a layaway, be sure you understand the policies, including any additional fees or restrictions, and cancellation policies.

Warranties & Extended Warranties

  • How long does the seller warranty the product? Does a seller's warranty go beyond the manufacturer's warranty?
  • Think carefully about extended warranties and service agreements. Be sure to understand the terms, including what is and is not covered. Extended warranties often mean add-on profits for sellers, but they can also offer peace of mind for the buyer and convenience if the product breaks during the warranty period.


Gift Cards

  • Understand the terms. Does the merchant charge a gift card purchase fee? Does the merchant charge an inactivity fee (which is allowed after 12 months of inactivity)?
  • The card must clearly disclose the expiration date, and fees must be clearly disclosed on the card or its packaging. Gift cards must be good for five years from the purchase date, or from the last date any additional money was loaded onto the card.
  • Urge the recipient to use the card sooner rather than later to avoid loss, theft, and future inactivity fees. And keep your receipts, or give the recipient a receipt in case of problems down the road
 

 

 
Some scams regarding Credit cards. BE CAREFUL!
Credit Card Scams.pdf
Adobe Acrobat document [21.2 KB]

INFORMATION FROM THE ACLLA LECTURE ON CYBER-CRIME

 

CLICK ON THE INDIVIDUAL LINKS TO GO DIRCTLY TO THE WEBSITES LISTED IN THE SLIDES

 

WWW.IC3.gov     INTERNET CRIME COMPLAINT                                                 CENTER

 

 

 www.ftc.gov  FEDERAL TRADE COMMISSION

 

WWW.betterbusinessbureau.org             

 

 

                    www.infragard.net     

INFORMATION SHARING BETWEEN THE U.S. GOVERNMENT (FBI) AND BUSINESSES, ACADEMIC INSTITUTIONS, STATE AND LOCAL LAW ENFORCEMENT AGENCIES AND OTHER PARTICIPANTS TO INCREASE SECURITY OF US CRITICAL INFRASTRUCTURES 

 

    

 

 

 

 

A new Scam
Coin Seller Calling? Hang up. This is a scam
Scam.pdf
Adobe Acrobat document [192.0 KB]

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IRS ALERTS ON PERVASIVE TELEPHONE SCAMS

Latest IRS warning about scams
Click here to see the latest IRS warning about scams.
IRS Warns Taxpayers of Summer Surge in A[...]
Adobe Acrobat document [134.7 KB]

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                             The New York State Thruway Authority is warning E-ZPass customers about a phishing scam.


People have received bogus emails made to appear official stating that people have unpaid tolls.


"Please be advised this is not an authorized communication from E-ZPass, the New York State Thruway Authority or any other toll agency associated with E-ZPass," the Thruway Authority said in a statement.

 

"We advise you not to open or respond to such a message should you receive one."


The bogus email includes a clickable link to download a supposed invoice.

Do not click the link or respond to the email.


Anyone having questions about any correspondence can call customer service center at 800-333-8655.

 

Questions/Comments - Contact Lou Maiorino - louis.maiorino@aol.com

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