Category: In the News!

What to do when you get pulled over


What to do when you get pulled over

By Matthew Avery,

We’ve all been there. You’re cruising down the road, singing along to the radio, when you see flashing blue and red lights in your rearview mirror. You stomp on the brake, wondering what you did wrong. Did you roll through a stop sign? Were you allowed to make that right-hand turn? Is a brake light out? All of the above?

Your mind is racing as you slow down and pull over. Palms sweaty, you watch as the officer exits his car and begins the slow walk to your door. Now what? Here are some pointers about what to do when you’re pulled over to make the experience as painless as possible — whether you were in the right or wrong.

Pull over

The first item of business is to alert the officer that you intend to pull over. Turn your blinker on and safely get to the side of the road as soon as possible. Outrunning a squad car is for the people on “Cops,” and look what happens to them.

Stay calm

Don’t panic; freaking out is only going to worsen the situation. For all you know, the officer pulled you over to alert you to a faulty headlight. When you’re calm you can think coherently and cooperate.

Stay in the car

Unless the officer signals or tells you to, remain behind the wheel. Getting out of your car may put the officer in a defensive position. You don’t want that.

Keep your hands on the wheel

While you will likely be asked for your registration, which is almost always in your glove box, wait for the officer to ask for it. When you reach across the car to retrieve it, the officer may think you’re reaching for a weapon, which may cause him to reach for his.

Be polite

Don’t try to “stick it to the man” even if you feel you’re in the right. They may decide to stick it to you by handing you a hefty fine for being uncooperative or rude. Be polite. Work with the officer. Make your actions and speech clear and easy to understand.

Sign the ticket

If you’re issued a ticket, sign it. You have to. You’re not admitting guilt, you’re just saying, “Hey, I understand I received a ticket.” That’s it. You don’t gain anything by not signing. If you’re having problems with this one, you may want to revisit the previous tip. Signing it doesn’t mean you can’t go to court to refute the fine.

That’s the gist of it. Remember, always drive in a safe manner to avoid being pulled over altogether. That’s the best way to avoid difficult situations.

Read more:

Does your neighbor have your back

From our friends at:

Original Article:

(Read the full article on there site – Here is the first part)

Neighborhood Security Dog

Think of your home’s first line of defense — what comes to mind? Your security system? Your barbed-wire fence? Your adorable but secretly vicious poodle? All of these will do in a pinch, but cast the net a little wider and you’ll find security starts up the street, around the corner, and everywhere in between. Statistics show that â…” of people feel safer in their homes because they know their neighbors, which makes sense when you learn about some of these hometown heroes. Read on to see how these neighbors have earned their stripes, and how you can, too.

Chris Saves Christmas

On December 24th, 2012, three young Colorado Springs burglars decided they wanted a new car for Christmas. Knowing that a lot of families would be gone for the holidays, they targeted an empty apartment, broke in through the back door, found the car keys, and got ready to ride off into the sunset. And they would have gotten away with it, too — if it weren’t for Chris Willner, a resident who knew his neighbors were away and that no one was supposed to be in their house. As the burglars yakked it up in the stolen car, Willner approached them and asked what they were up to — when they didn’t have an answer, he yanked the keys out of the car’s ignition, detained one of the criminals, and called the police. Mr. Rogers would be proud.

Tip: Trip-Taking Thoughts

Two things stopped this burglary — that the homeowners were savvy enough to tell a neighbor they were going out of town, and that the neighbor had enough guts (and observation skills) to stop the crime. If the victims had taken a few more precautions, though, they might not have been victims at all. Neighbors are great for keeping an eye out, but they can also help protect your home while you’re away by making it look like you never went away in the first place — picking up mail, cutting the lawn, clearing snow, even going through every once in a while to check on the place and flip some lights on and off. Make a pact with a close neighbor to trade off housesitting responsibilities, and you’ll be sure to come home to the same house you left.

Watchdogs Off The Leash

Back in August, a "self-appointed group of neighbors keeping an eye on things" slapped a poultice on a rash of car burglaries in Colorado Springs. The group had a phone chain in place to alert neighbors about suspicious activity, and when car alarms started going off all over the neighborhood, they used it. A few went after the would-be thieves with sticks, eventually cornering them behind some bushes. Two teenagers came out with their hands up, probably scared straight for life.

Original Article:

4 risky places to swipe your debit card

Debit cards are different


Would you give a thief direct access to your checking account?

No? Unfortunately, you may be doing just that by regularly using your debit card. Debit cards may look identical to credit cards, but there’s one key difference. With credit cards, users who spot fraudulent charges on their bill can simply decline the charges and not pay the bill. On the other hand, debit cards draw money directly from your checking account, rather than from an intermediary such as a credit card company.

Because of that, even clear-cut cases of fraud where victims are protected from liability by consumer protection laws can cause significant hardship, says Frank Abagnale, a secure-document consultant in Washington, D.C.

He cites the example of the The TJX Companies Inc.’s T.J. Maxx data breach that exposed the payment information of thousands of customers in 2007. The incident resulted in $150 million in fraud losses, and much of it was pulled directly from customers’ bank accounts. While credit card users got their accounts straightened out and new cards in the mail within a few days, the case created major problems for debit card holders who waited an average of two to three months to get reimbursed, Abagnale says.

While debit card fraud is always a possibility, being careful where you use it can help keep your checking account balance out of the hands of criminals.

Read more: 4 Risky Places To Swipe Debit Card |

If you are a Twitter user–please do not do this:!/NeedADebitCard

This page is dedicated to those who post photos of their Debit cards online.