C'est combien? A French phrase that means how much is it? and C'est combien en tout? another French phrase that means how much does it all cost?or how much is everthing? The objective of all of the C'est combien? articles presented on cacjohnson website main intent serves to enlighten the consumer and provoke thought on consumers spending habits. Admittedly, many of the articles written under the C'est combien byline often presents real stories based on the authors personal shopping experience. Certainly,a reader feels more connected as well as develops a better understanding of the phrases C'est combien? and C'est combien en tout?ostensibly from articles written that allows the reader to relate or recall similar experiences at any point or time in the readers life. While reading the C'est combien articles, readers quickly discover that the author ends each article with the question C'est combien en tout? Ultimately,the final answer remains with the reader/consumer.---cacjohnson

Virgin Mobile:New Unlimited Talk Plan

“No annual contracts,No credit checks,no roaming charges,and no long term commitments”www.virginmobileusa.com

Exorbitant Fees:In past years, consumers with low credit scores or bad credit experienced difficult in obtaining a cell phone. In many instances, the process to acquire a cell phone required that consumers agree to a credit check;incontrovertibly, consumers with low credit scores or bad credit, due to the policy of the cell phone provider, easily became wroth because a consumers whose credit score did not meet the cell phone provider standards was required to make a large deposits. In fact, a consumer deposit towards a cell phone could vary from $300 to $800.Subsequently, it's not surprising that many customers became exasperated and despondent from the process to acquire a cellphone. Consequently, customers that did agree the terms of the cell phone provider,also agreed to commit to a two or three year service contract with the cell phone provider. Still, consumers who agreed to terms of the cell phone provider accepted the service contracts that included early termination charges. As a result of accepting cell phone provider service contracts, cell phone providers could charge customers that did not fulfill service contracts additional fees. Nevertheless,the companies tried to conciliate the consumers trepidation by informing consumers that the consumer  would receive the deposit back after one year of service. The exorbitant termination fees and large deposit request presented a dilemma to many consumer with low credit scores . As cell phones increase in popularity, consumers with bad credit look at other alternatives to obtaining a cellphone. Eventually, consumers with bad credit began choosing prepaid cellular as way to obtain a cell phone and service. Basically, a consumer first would be required to select a phone type,next,the consumer would also be required  to pay for the phone in full, and lastly prepay the service that allowed the consumer to talk locally and long distance. Today, many cellphone providers offer prepaid as an alternative allowing customers to select from an array phone types and prepay to talk locally and long distance.

History of Virgin Mobile:On November 12^th,1999 Virgin Mobile introduce its brand of products and service to the public. Virgin Mobile is a British company located in the United Kingdom. In the first year of its operation Virgin Mobile gained 500,000 customers;eventually,Virgin Mobile became one the fast growing mobile communications in the United Kingdom. Unequivocally,Virgin Mobiles proliferate growth in customers and sales continued to prove that Virgin Mobile products and services meet the approval of consumers. 2006 Virgin Mobile attracted 4 million customers. Today in the United Kingdom and the United States Virgin Mobile brand continues to excel. With new and improved services being offered to customers as technology becomes available, Virgin Mobile impact on the telecommunication industry proves that prepaid cellular providers definitely has  established a place among cell phone providers that offer service contracts.

Services&Products: Virgin Mobile offers its customers two ways to pay for Virgin Mobile phone service. A Virgin mobile customer can either Pay Monthly or Pay As They Go. A consumer that chooses Virgin mobile as cell phone provider eschews; annual contracts, credit checks, roaming charges,and long term commitments. Virgin mobile offers its customers an array of services that include: SMS,text messaging, voice mail, web access, ring tones &games. One of the best features of utilizing Virgin Mobile as a cellphone provider; undoubtly,the selection of cellphones offer by Virgin Mobile. The Flare,the Slash,the Wild Card,the Shuttle,Arc,Cyclops,Marble,Slice,Mantra,and K7 Rave a few of the quirky names and designs of cellphones offered by Virgin. Consumers concerned about the cost of cell phonesshould not be concerned about exorbitant prices because Virgin mobile phones ranging in price starting as low as $9.99 to $99.00.

Virgin Mobile's New Unlimited Talk Plan:

Virgin Mobile allows its customers to choose plans that's condign to the customers lifestyle. Recently, Virgin Mobile introduce its Unlimited talk plan that includes unlimited anytime minutes with unlimited nights and weekends at a low monthly cost of $49.99 a month.

Most importantly,Virgin mobile customers select how they would like to add money to individual accounts. As a Virgin mobile customer, a customer has the choice of purchasing top up cards,Virgin mobile makes its top up cards available at local chain stores such as, 7 Eleven, Walgreen's,Rite Aid,and Family Dollar stores.

Expedient:Facebook,Twitter,&MySpace:Social Networking (Who Pays?)

What Ya Know (facts) about MySpace, Facebook, & Twitter:

MySpace founded in 2003

MySpace was after YourZ.com

Beverly Hills California the headquarters of MySpace

“A Place for friends” the slogan of MySpace

eUniverse employees the first people to utilize MySpace

All first time registrants of MySpace after successful registration receives a greeting from co-founder Tom Anderson. The greeting appears on the profile page and in bulletins.

MySpace IM mail was introduced in 2006.

MySpace features includes:Blogs,up loading photos maximum of 200,bulletins,also MySpace allows registrants to download music, listen to music and add music to the profile section.

MySpace allows registrants to customize pages with HTML and (CSS )cascading style sheets.

From 2006 to 2008 MySpace homepage was revised to compete with Facebook.

During the 2008 Presidential election candidates registered with MySpace and created profiles targeted to appeal to teens.

In 2008, MySpace adds MySpace Music.

On selected mobile phones, MySpace allows registrants to access MySpace homepage.

MySpaceTV was introduced in 2007

Facebook was founded in 2004.

A privately owned company, Facebook was developed in Cambridge Massachusetts.

Palo Alto, California, the headquarters of Facebook.

Facebook a Social Networking service founded by two Harvard students.

Originally, Facebook was called “the facebook”,eventually, the creators later drop “the”.

In September 2005,Facebook introduces another site similar to the original but targeted to appeal high school students.

The founders of Facebook during its rudimentary stages allowed only Harvard students to register to utilize its site.

Facebook features include: a homepage with a status up date bar,profile section,search for friends,receive messages,download photos,tag photo, add comments to individual profiles, the Wall, Pokes,

Facebook allows registrants to create 200 groups.

Facebook gives registrant the option to keep profiles private or display profiles publicly.

In April 2008,com.Score reported Facebook as the most frequently used and visited Social Networking,thus, exceeding its competitor MySpace.

In June 2008,ComScore reported that Facebook experienced approximately 132.1 million registrants compared to MySpace 117.6 million.

Twitter was founded in 2006.

One of the newest Social Networking sites,Twitter gained popularity among internet users in 2006.

Privately owned,the location of Twitter's headquarters currently exist in San Francisco California.

Odeo employees the first people to utilize Twitter.

The first Twitter message was published at 12:50 Pacific Standard Time.

Twitter allows registrants to communicate with family and friends in 140 characters with one simple question “ what are you doing”.

Twitter calls the brief messages written and displayed by registrants “tweets”.

In 2007, the proliferate growth of Twitter caused the site to experience difficult,subsequently,many of the registrants could not access the Twitter web page.

In 2008, Presidential candidates utilized Twitter to up date constituents.

Oprah and Ashton Kutcher two of Twitter's eminent and well known celebrity registrants.

During maintenance or technical difficulties,Twitter displays to registrants a picture of a whale with the message “fail error”

On selected mobile phones, Twitter allows registrants to access the Twitter web page and up date “tweets”.

In February 2009, Twitter one the newest Social Networking services was widely accepted by internet user,surprisingly, it was reported that Twitter was fastest growing Social Networks in United States.

What Ya Know(facts)about Facebook,MySpace&Twitter:

Facebook,MySpace&Twitter(Who Pays?)

To Pawn or not To Pawn:What's in a Pawn?

C'est Combien

To Pawn or Not to Pawn: What's in a pawn?

Pay on Words: Mentioning the word pawn to an average consumer in many instances could cause the consumer to automatically envision a Chess a game. Although, the word pawn has two meanings, an informal colloguy by a speaker could cause confusion,unless, the speaker is talking to a coterie. Admittedly,the meaning of the word pawn could conjure different images if not clearly specified by the speaker. Incontrovertibly, any average consumer could receive a mixed meaning from hearing the word pawn in an elliptic conversation or speech. For example; a speaker that begins a discussion on playing Chess and make reference to moving a pawn,clearly, from the given information a consumer should be able to deduce and develop a meaning of the word pawn;inevitably ,a consumer that knows nothing about the game of Chess should be able to formulate the correct meaning of the word pawn from the discussion. Ultimately,the question remains precisely what is a pawn?First and foremost a consumer should remember that two definitions of the word pawn exist. Most importantly to avoid the incorrect interpretation of the word pawn,a consumer should be circumspect and heed the information given such as in the previous example of “moving a pawn” in a game of Chess.Instead,at the end of the colloguy,ensues the question What is Chess?Eventually,several answers could be formulated following this pattern;

Chess is a game played by two individuals. A typical game of Chess is played on board that has two different colors, also each player is given 16 game pieces that includes eight pawns.

Deft and expert players of Chess often enter tournaments that allows them to compete to win large sums of money From the example, an average consumer learns that a pawn is a game piece Chess is a game and if played well a consumer could win money. New World Dictionary and Thesaurus define pawn “a chess piece of the lowest value”, “to give as security”and “to wager or risk.”

Definition of A Pawn ? Normally, a general definition from the dictionary would be ample;however, to eliminate any errors interpretation, a consumer might consider accumulating several definitions of the word pawn other than the dictionary. As result of accumulating several definitions from different sources, a consumer quickly discovers that all of the accumulated definitions contain similar wording. Therefore; it is often necessary to look at several definitons before deriving an exact meaning or interpretation before using in informal setting.For example;Brittanica Encyclopedia describes a pawn as a game piece,the Free Dictionary by Farlex dictionary gives various meanings todefine the word pawn for example;

1. Something given as security for a loan; a pledge or guaranty.

2. The condition of being held as a pledge against the payment of a loan: jewels in pawn.

3. A person serving as security; a hostage.

4. The act of pawning.

tr.v. pawned, pawn·ing, pawns

1. To give or deposit (personal property) as security for the payment of money borrowed.

2.To risk; hazard: pawn one's honor

3. Abbr. P Games A chess piece of lowest value that may move forward one square at a time or two squares in the first move, capture other pieces only on a one-space diagonal forward move, and be promoted to any piece other than a king upon reaching the eighth rank

pawn ¹

Verb

1. to deposit (an article) as security for money borrowed

2. to stake or risk: I will pawn my honour on this matter

Noun

1. an article deposited as security

2. the condition of being so deposited: in pawn [Old French pan security]

1. Something given as security for a loan; a pledge or guaranty.

2. The condition of being held as a pledge against the payment of a loan: jewels in pawn.

3. A person serving as security; a hostage.

4. The act of pawning.

tr.v. pawned, pawn·ing, pawns

1. To give or deposit (personal property) as security for the payment of money borrowed.

2.To risk; hazard: pawn one's honor

3. Abbr. P Games A chess piece of lowest value that may move forward one square at a time or two squares in the first move, capture other pieces only on a one-space diagonal forward move, and be promoted to any piece other than a king upon reaching the eighth rank

pawn ¹

Verb

1. to deposit (an article) as security for money borrowed

2. to stake or risk: I will pawn my honour on this matter

Noun

1. an article deposited as security

2. the condition of being so deposited: in pawn [Old French pan security]

pawn ²

Noun

1. a chessman of the lowest value, usually able to move only one square forward at a time

1. a person or thing manipulated by someone else: our city is just a pawn in their power games

2. [

Certainly, the word pawn has several meanings ;therefore, an average consumer should be cognizant of the different uses of the word pawn.

pawn - borrowing and leaving an article as security for repayment of the loan

borrowing - obtaining funds from a lender

pawn ²

Certainly, the word pawn has several meanings ;therefore, an average consumer should be cognizant of the different uses of the word pawn.

pawn - borrowing and leaving an article as security for repayment of the loan

borrowing - obtaining funds from a lender

To Pawn or Not to Pawn a quandary I encountered March of 2009, a dilemma that ultimately lead me to a local pawn shop. In fact,while working to update cacjohnson website; I eventually pawn an electronic item at maximum number of days allowed by most pawns. The following month ,instead of picking up the item or selling the item,I extend the pawn for another thirty days at an additional charge. Although, not all visit to a pawn shops end with happy endings,incontrovertibly,I would describe my pawn experience as pleasant ,the visit dis-spell many of the myths about pawning and definitely,a learning experience .

What's in a Pawn? Normally, an average consumers visit to a pawn often results in the consumer quickly discovering everything but the kitchen sink o,astonishingly,located at a pawn shop.

Exactly, What's in a a Pawn? Pre-owned items in good condition such as,Computers, Lap Tops,Cameras, Televisions , DVRS, VCRS and Jewelry all of the items pawn shops offers to the the public at an discount value. Plus , a pawn shop offers a variety of items with different makes,models, sizes and colors.

ACME pawn website sums it up best “...

C'est combien en tout?

Government sponsored coupon&HDTV:Should I purchase a converter box?

Making the switch from analog to digital,American public television officially changed to digital in July 2009.---cacjohnson

Exactly,what is HDTV?

If I decide I want a Government coupon,How do I apply to receive coupon ? 

On What date does the Government coupon offer expire?

Where can I purchase an convertor box?

If I already subscribe to a cable provider should I purchase a convetor box?

C'est Combien? 

From Analog to Digital:

In 2009, public televisions throughout the United States went digital. June 12^tth,2009 the initial date of the conversion was postpone as the economic recession continued Congress voted to reschedule the date based on the economic factors in the United States. The July 17^{th      extension} permitted customers with economic hardships additional time to prepare to make the conversionAt the same time,local news stations informed consumers an HDTV convertor box would be required to receive regular broadcast.Exactly,what is HDTV?  During the conversion process of making the switch from analog to digital consumers  was introduce to the term HDTV. It is a term used to describe a better quality of televison for the viewing public. Basically,HDTV  means High Definition Television. As result of, public television making the switch from analog to digital consumers that did not subscribe to a cable provider quickly learned an HDTV convertor box would be required to view regularly programmed broadcast.Immediately,local news stations informed consumers of the switch. Likewise, news media outlets, also informed consumers of a Government sponsored coupon program. Ultimately, the program allowed consumers to apply online or by phone to receive a coupon that could only be applied towards the purchase of HDTV convertor box. Should I purchase an HDTV convertor box? Yes, consumers that do not currently subscribe to a cable provider should purchase an HDTV convertor box.If I already subscribe to a cable provider should I purchase a convertor box?A consumer that subscribes to a cable provider should already be receiving HDTV ; however, consumers experiencing financial difficulties and looking at alternatives to save money might consider purchasing HDTV convertor box ,especially if  a consumer plans to cancel an already existing cable subscription.

On what date does the Government coupon offer expire?A consumer considering submitting an application to receive a government coupon as of July 31^st, 2009 consumers that did not apply before this date the option to receive a government coupon no longer available.The governmentcoupon program has ended.

Where can I purchase an convertor box?

All consumers considering purchasing an HDTV convertor box should remember without a coupon the full amount will be required at local retailers.Searching to save a few dollars,to all frugal consumers,it's a resounding,Yes, a consumer should purchase an HDTV convertor box as an alterantive to saving dollars monthly. At this time,consumers will find that the goverment in making the national transition from analog to digital has made HDTV Convertor boxes conveniently available at several local chain stores including:Wal-mart, Rite Aid, CVS,Sears, Kmart,and Walgreens. C'est combien en tout?

express Checkout:Go digital with a digital camera & receive express service online or in store:

Modern technology has significantly changed the way American consumers take pictures. Remarkably,today in the United States the creation the camera has allowed American consumers to capture precious moments, events and special occasions. What is a camera? basically, a camera is an electronic devices that captures still images. As a matter of fact, the camera is one of the most widely purchased electronic item bought by consumers.Indisputably and veritabl, consumers use cameras to take pictures during special occasions such as the designated holidays(Thanksgiving, Halloween, Christmas, New Years Eve) and Birthdays. Although,  standard cameras and disposable cameras capture only still images consumer continue to purchase both especially during the holiday seasons and planned vacations. In fact, many of the local chain stores carry standard cameras and disposable cameras; for instance, Walgreens, Rite Aid, Family Dollar, and Dollar General. Furthermore, local chain stores often offer to consumers its version  of disposable cameras. In addition to offering store brand disposable camera, local chain stores also provide consumers with photo service and photo assistance. Most importantly, the impact of the camera throughout the years on the lives of millions of Americans is evident in the images photographed by so many Americans both young and old. Ostensibly, one of the greatest creations of modern technology, before the World Wide Web, the camera,the camera continues to attract consumers of all ages.

Saving, storing, capturing and documenting the history of Americans throughout the world, the camera evolves from disposable to digital. Astonishingly, the various cameras currently available permits latitude plus allows consumers to find a camera condign for various settings .As a result of the variety of cameras available in electronic retail ,a consumer is able to select a camera based on individual photography experience. In other words ,whether a consumer is a novice, or an expert at taking photographs, today’s electronics carriers and retailers offer a variety of cameras with different features. Furthermore, a consumers that is able to clearly describe to an electronic sales associate the setting and occasion that the camera is to be utilized, reduces the chance of purchasing the wrong kind of camera.Typically, a consumer planning to take pictures of an outdoor wedding quickly learns a specific type of camera is required. To eschew blurred pictures or pictures being over exposed, a consumer has to be able to identify the different types of exposures required for various settings. Incontrovertibly, a digital camera gives  consumers more control in the final appearance of the picture. With a digital camera a consumer is able to view the image before taking the picture,certainly, a image that is viewed by a consumer before taking the picture eschews and reduces the number of times a consumer has to take pictures of the image. Moreover, its not surprising many of today‘s consumers gravitate to digital cameras because of its special features. Many of the digital cameras require an Sans disk. A san disk is a memory card that stores the pictures taken by the consumer. A digital camera with a san disk is able to store a large number of pictures. Indeed, a consumer planning to go digital optimizes the features of digital camera with a Sans disk. Undoubtedly, it is definitely recommended to purchase a San disks because the disk is reusable. In conclusion, today many of the local chain stores carry digital cameras in the stores photo department. Digital cameras gives the consumer several options to develop pictures stored in the camera. With a digital camera a consumer is able to up load photos online, a consumer is able to edit and print photos from home, and consumer is able to order prints online from the different local chain stores;without question,the creation of the digital camera makes taking pictures  taking pictures fast, fun, and economical.

before the digital camera American consumers used standard 35 mm cameras that required film.Standard cameras only allowed Consumers pictures to be stored on negatives.

plus with digital saving, and storing photos on photo cd’s allows consumers to upload photos online edit and print photos from home. 

www.cacjohnson.com plus digital and premium photo service, all cacjohnson’s photos saved and stored in one place with a Sans disk. Going digital is fast, fun, and economical.

Discounts,Clearances,&Percents:Shopping online could save you more...

Walgreens

Rite Aid

Dollar General

Family Dollar 

Walmart

Kmart

Target

Sears

Cato's

JcPenny

Khols

Burlington Coat Factory

Payless

Sketchers

Old Navy

Cosmetique

Seventeen Magazine

Redbook

Womens Health Magazine

W magazine

Discounts,Clearances&Percents:

Shopping online could save you more....In 2009,American consumers proclivity to visit large shopping malls or outlet stores remains a favorite past time for many consumers. Clearly,throughout the years, American consumers preferred shopping and visiting department stores directly. Primarily,the predilection to shop at large department stores,shopping malls, and outlet stores appealed to consumers because of the myriad of products available in the malls such as apparel,electronics,cosmetics shoes, books, and toys. As a result of the large crowds shopping malls and outlet stores attracted on the weekends and during holidays,builders with support of stores owners built more malls and outlet stores. While consumers grew a penchant and became accustom to shopping at malls,owners of shopping malls to meet the demands of consumers added food courts . Specifically, the large department stores,shopping malls and outlets especially appealed to teens who viewed the malls as social gathering place outside of the classroom. Likewise,singles,another group of visitors known to frequently shop at malls, shopped at the malls for reasons similar to teens. Although, American consumers penchant towards shopping in stores directly continues,a vast number of consumers utilize online shopping as alternative way to shop. Online shopping allows consumers to eschew queues at department stores and outlet malls. Consumers shopping online for the first time often vocalize concerns about privacy,security,and identity theft. Typically,in many instances,the initial process of making an online purchase creates a nebulous in the thoughts of first time online shoppers. For some consumers several pieces of important personal information often precludes the ability to purchase items online; for example,consumers without a credit card or debit card delay and stymies the process of making purchase online. Conversely,while other consumers experience doubt and disbelief at the ease of online shopping,consumer credit protections agencies recommend consumers use discretion when shopping online. An unerring credit card and debit statement requires a consumer to review statements for discrepancy. Eventually, a consumer that successfully makes a first time online purchase inevitably utilizes the internet to make other purchases. Furthermore,consumers that perceive online shopping as an arduous task and too risky, in many instances, the consumer relaying the trepidations of naysayers,frequent mall shoppers,inexperienced internet users. Advanced internet users understand first and foremost that shopping online requires the same amount of awareness from the consumer, shopping online requires a consumer to use the same discretion online that they use in the actual store. In comparison to shopping online and visiting department stores directly,one of the major differences of shopping online the absence of sales associates and long lines. Moreover,the histrionics of some consumers concerns of privacy,security and safety of making purchase online primarily stems from lack of use and inexperience. Normally, most online purchases requires consumer to be circumspect. Admittedly, the recent economic recession has taught more and more consumers how not to be improvident but frugal. In conclusion, today on the internet retailers offer a myriad of products similar to large shopping malls and outlet stores. Astonishingly, many of the department stores located on the internet advertise special offers for first time online shoppers. An alternative way to shop,consumers quickly discover the tantamount of products offered from different department stores on the internet. Online shopping allows consumers to receive discounts,clearance items and percentages off items just for being a online shopper. C'est combien en tout?

storing family photos&personal photos on Cd

C'est combien?

Express Service:

The camera one of modern technology greatest inventions has impacted the lives of millions of Americans. Throughout the years, American consumers purchased cameras for holidays,vacations,and festive celebrations,thus, making the camera one of the most widely purchased electronic item in the United States. As the camera increased in popularity, manufacturers began to make a variety of standard 35mm cameras. Eventually, as technology improved, Camera manufacturers introduced to the American consumer a variety of standard 35mm cameras. Ingeniously,camera manufacturers stocked retail stores with standard 35 mm cameras of different colors,sizes,and lenses. Today the standard 35 mm camera still exist;however, with the disadvantage of only being able to capture still images on film. Nevertheless,the camera has greatly impacted the lives of millions Americans.  Allowing American consumers to photograph family and friends,the camera has captured moments in history as well as special of events of many American consumers. More importantly,the camera has allowed Americans of all ages to photograph precious memories that otherwise without the invention of the camera the precise recollection of epochs and precious moments distorted. Unequivocally, the way American consumers take pictures has evolved greatly. From the standard 35 mm film cameras to digital cameras, the creation of the digital camera allows consumers to view the picture before it's developed or printed. Sometimes called a digicam the digital camera has all but replaced the standard camera. Although,electronic retailers still offer the standard 35mm camera, consumers proclivity towards the digital camera has proliferated thus causing an increase in the sale of digital cameras. In many instances,consumers tend to purchase a digital because of its the special features. While the standard 35 mm cameras only allowed consumers to take still pictures,the digital camera  has  features that allowed consumers to record pictures with sound and to the store pictureselectronically. Often costly and expensive,the standard 35mm cameras required that consumers purchase different types film. Subsequently,the standard 35 mm camera captured photos  on negatives that allowed consumers to develop and make reprints only at photo labs. Consequently,photos stored on negatives did not allow consumers to develop prints expeditiously. Not surprisingly, consumers waiting in queues to develop or receive photos often exuded attitudes of petulance. Often, imperceptibly, the process of recovering and devloping  pictures taken on the standard 35mm camera caused consumers to become exasperated while searching for negatives to develop at  a photo lab. Especially,consumers that did not keep negatives  of photos in a designated location, without the negatives of the pictures photographed,unfortunately,the standard 35 mm camera did not allow consumer to develop or recover pictures without the negatives. Remarkably, the advancement in modern technology has alleviated some of consumers worries about recovering and storing personal photographs with the invention of digital cameras.

C'est combien en tout?

Downloading (the Music Industry &Artist) taking action.

The Dos and Dont's of downloading: An advanced method of acquiring information quickly then the previously antiquated card card catalogue system found in media centers and libraries throughout the United States, the world wide web also called by many of its user “the internet” allowed American consumers to access an array of information,music,and music videos. From its rudimentary beginnings in 1993,the world wide web “the internet” during its inception received harsh scrutiny by federal agencies and users. Specifically,consumers trepidations concerning privacy,and security of personal information stored on the web became the concentric and primary concern expressed by many of its users. Despite concerns of just how private and secure personal information entered and stored on the web remained from identity theft ,the number of internet users continued to grow. As the internet expanded and attracted more users its developers created software to reduce, and decrease internet piracy,identity theft, and viruses. Nonetheless, the federal government and internet users consensus unanimously concurred the advantage of being able to quickly access large amounts information varying from books, film,music, and music videos out weighed the threat of a virus or a computer hacker. Today many of the initial concerns presented during the development and expansion of the internet still exist but not on a grand scale as when the internet first launched in 1993. Amazingly new innovations along with the development of the world wide web has evolved the way consumers purchase and listen to music over the years. As a matter of fact,today in 2009,most consumers listen to music that is digitally stored on compact disc often abbreviated and mainly called a cd by American consumers. Furthermore, the transition of music being stored on records often referred to as LP's, and tapes has all but been replaced by cd's. During the gestation period of producing , and storing sound, consumers purchased records,tapes,and cds at music stores located in malls and outlet malls. Remarkably, today the world wide web, “the internet” allows consumers to purchase cds online. Moreover, recent technologies in electronic devices used to play and view music video presents new concerns and questions especially among teens in referencing how to legally download music. At the same time,downloading music has taken center stage in the music industry even more so with recording artist whose music at the forefront of an illegal download dispute. Veritably, a hot topic among teen and music lovers,unequivocally, downloading music often incites mixed emotions amidst American consumers.

Precisely,what is downloading? Basically,downloading is described as the transferring of files or in this particular example, the transferring of music files of a recording artist or various recording artist from the internet to an electronic device such as a computer to be used for personal listening. Subsequently,today's technology allows young adolescence and Americans consumers two ways to download music. An consumers has the choice of downloading music legally or illegally.

What is the difference between legal and illegal downloading? A legal download requires the consumer to make a purchases. A cd that a consumer purchases then downloads the cd to the consumers personal computer as well as transfer the files to personal listen device other than computer constitutes a legal download. A consumer is able to download music on cell phones,Mp3 players and I pods. Although, many computers allow teens and consumers to burn cd it is not recommend for distribution or sale .As a result of illegal downloading,several American consumers including teens lawsuit by record labels,and recording artist because of copyright infringements.

What is a copyright?A Copyright gives the artist or owner of the music the right to reproduce,and publish the music. The way consumers obtain a copy of an recording artist music is very important because illegal downloading causes loss of revenue to record companies and artist.

What is swapping ? A form of illegal downloading and distribution of an music artist work.

Dos& Dont's of Dowwnloading:

Do: make a purchase

Don't: burn cds and distribute or sale

Do: use purchased cds for personal listening

Don't: swap downloads

Do: avoid lawsuits obtain artist music legal

Don't: obtain artist music illegally

For more information about downloading visit the following web sites:

http://www.whatsthedownload.com

http://www.wiredsafety.org

C'est combien en tout?

Prepaid:Netspend and how it works.

MVP/ C'est Combien? 

C’est combien?: Prepaid Cellular Phones

Virgin Mobile, T-Mobile, Nokia, Net-10, Go-Phone, Sprint, Nextel,  Verizon wireless and Alltel are all prepaid cellular phone providors.Cellular phones have evolved from size to color. Since the first cellular phone was introduced to buyers’ the quality and look of cellular phones have changed greatly. Unquestionably, cellular phones are popular with American consumers. Across American and throughout the United States , it is not uncommon to visit a grocery store, restaurant, shopping mall or gas station and see someone using a cellular phone in a public area. Cellular phones have become just as important as computers to Americans. Today, many cellular phone providers offer prepaid cellular phones. Prepaid Cellular phones are highly recommended for consumers who are working to re-establish credit. In fact, a prepaid cellular customer can expect to receive some of the same services similar to a customer with a contract. Cellular phone providers offer prepaid cellular customers the following services: voicemail, text messaging, e-mail, and web access. All services are automatically deducted from the prepaid customers prepaid account. Overall, Prepaid Cellular phones give the buyer more control over their money. Often, Cellular providers usually will give the buyer the choice of changing from prepaid to a contract, an excellent marketing strategy for cellular companies, and a plus for the prepaid customer who have a good paying history on their cell phones. Prepaid Cellular phones can be purchased at most local and community stores i.e. (Wal-Mart, Target, Walgreens, CVS, Kmart, and Rite Aid.) Cellular phone providers offer a variety of prepaid phones, as well as, different plans. Prices for cellular phones vary depending on the kind of phone. Talk time (usage) that depends on the consumer and the purchased amount of phone time. Freeing up money, prepaid cellular customers have the choice of using the providers phone cards, debit cards, and credit cards to purchase time. Phone card prices range from $20 to $100 dollars. Undeniably, the look and quality of cellular phones have changed significantly. Not surprisingly, consumers want to save money,  and they want a great phone without the credit check hassle, early termination fees, and lengthy contracts then consumers should try a Prepaid Cellular Phone to gain more control over their money.

C’est combien en tout?

C'est combien? Certificates of Deposits(CD's) Great Gifts for the Holidays.Scenario: I walk into my current financial institution, as I enter the financial institution, I recognize the advertisement located above the teller counter,instantly,I begin to read the different advertisement;glancing towards the deposit and withdrawal counter, I noticed the counter;  it looked the same. I normally do not give the counter a second thought unless I do not have a pen in hand to fill out either my deposit or withdrawal slip. Nevertheless, usually next to the deposit and withdrawal counter are deposit and withdrawal slips immediately placed next to the slips are the financial Instutions brochures. After making my transactions, I walk over to  the deposit and withdrawal counter to pick up a brochure, then, I place the brochure in my handbag to only leave it in the hand bag for some days before taking the brochure out of my handbag and placing it in a folder.

Recently, I was informed about the different types Certificates of Deposits at my current financial institution. At the time, I was looking for a way to save money to buy a dell lap top, I entered the bank;  requested to speak with a financial advisor, a few minutes later, I was seated  in the office with an financial advisor who explained and showed to me the different types of Certificates of Deposits in the financial institutions  brochure. In years past, I had not used the option of a Certificate of Deposit as method for saving stemming from the fact I felt it was out of my grasp; however, after talking with the financial advisor, I open and purchased my first Certificate of Deposit. Reflecting on previous times I have entered the bank and not given a second thought about the money that I could have saved through financial empowerment does not exude the confidence or intellect of a young woman with two degrees and lots of work experience;acrimoniously, my youth might have proceeded me but now that I am older I have gained more insight  as well as esteem for building my financial health. Therefore; I missed an opportunity to the road of financial health, first and foremost, because I did not read the brochure thoroughly and secondly because I did not ask to speak with a financial advisor out of lack financial insecurity.  After, the financial advisor explained the different types of cD's and based on what I could afford and would not miss without being pernicious  to myself I open a simple cD plan.

Recommended for all ages a Certificate of Deposit is a great gift to give during the holidays. Besides the recommended one educational toy for infants and toddlers, during the holiday seasons, a certificate of deposit is a great way to plan for your child's financial future. Lack of insecurity and not dis-spelling the myth behind financial empowerment caused me to miss out on a wealth building tool , do not let that happen to you. Take the first step and read the brochure, then get to know your financial advisor, after all it's your money (win or lose.)Entering the bank now   brings to my remembrance  a brief course I took with the course premises based on Steven Covey Seven Habits of an Highly Effective People, I believe having a plan for building financial wealth to be an important Habit of Highly effective individual.

C'est Combien en tout?

Opening&Closing an Checking Account

C'est combien? Opening and Closing a checking account/How to keep a checking account open/&How to keep money in the bank .

A BANK JOKE: How do you keep money in a checking account? Keep a quarter in the checking account for Quarterly earnings.

JavaScript: Financial online banking is available for consumers at most banks . Online banking is great way for consumers to monitor their accounts build financial empowerment.

Opening &Closing Checking Account:

Opening a checking account can be as easy as 1-2-3(counting numbers). New perspective account holders must bring to the financial institution of their choice photo identification, social security card, and at least the minimum amount required by the financial institution to open the account. Usually, most banks require a minimum of $50.00 to $100.00 to open the initial checking account. Also,new account holders should be aware of the various different checking accounts because deposits amounts could vary. Two of the most popular checking accounts: Free checking, and Student checking for college students,require only the minimun deposit and no required amount to keep the accounts open. Previously, I stated in a recent article located on the MVP page that in my thirty seven years (age) I have had several checking accounts; one the most important habit/(task) for keeping a checking account open beside maintaining the minimum monthly balance would be keeping up with the check registry,  making sure to write down atm withdrawals and monthly automatic deductions. In most instances, closing an account can be just as easy as opening the account.  Closing a checking at some banks could result in additional fees; for example, an administrative fee could be added to the account before the bank closes the account. As in my particular case, the account I closed with the Bank of Wachovia became overdrawn because of an automatic deduction. A few days later, after the account was closed, I acquired administrative fees.

Keeping a Checking account Open:

1. Keep the minimum amount required in the   

    checking account

2. Link checking account to a savings or cD account in  case the account becomes overdrawn to avoid additional  fees.

3. Keep up with check registry

4. Write down all Atm withdrawals

5. Make sure all automatic deductions have cleared.

6. Finally, use the checking for purposes intended (Rent,  Groceries, Charity Donations, or car payments)

 C'est Combien en tout?

(December/January2008&2009)

Reurns& Exchanges

All sales final, Exchanges only, No Returns&Echanges: Cell phones, Computers, Lap tops, Jeans, Swimwear, Lingerie, Jewlery, Household items, from Frozen foods to Can Goods.

Throughout the United States consumers are known to make frequent returns during the holiday seasons. In retail, retailers have found that seasonal items have the highest volume of returns and exchanges. Seasonal items are items associated with a particular holiday such as, Christmas, Thanksgiving, Halloween, 4^th of July, and Valentine’s Day. Seasonal items have the highest volume of return and exchanges because most often consumers are not buying the product for themselves but for family, friends and coworkers. In the United States consumers  can return or exchange just about anything with a receipt and proof of purchase.

Recently, I went to a Radio Shack in the area I currently reside and bought a new Virgin Mobile cell phone, the cell phone I purchased was not the cell phone I had intended to buy. On this particular day, the cell phone I wanted was out of stock but for business reasons I had to up date my cell phone. Eventually, I ended up buying an inexpensive cell phone with the same brand name, and as usual before leaving the store I asked the salesperson for the receipt. When I purchased the new cell phone, I also bought some Trident gum. While in the store I briefly skimmed the receipt and read “All sales final, no returns and exchanges.”  A few days later, I returned to Radio Shack to see if the cell phone I had intended to buy was in stock. While looking for the cell phone, I stopped and took the time to ask the salesperson about Radio Shacks return and exchange policy. Apparently, I did not read the receipt carefully and discovered that the printed statement “All sales final, no returns and exchanges” applied to the gum and not the cell phone.Over the past two years, I have made several returns and exchanges. Often, I like to make sure that before I leave the store the item or product I am about to purchase is something I know I will keep. Many times when I do make returns or exchanges,most likely, the sizes are not the right fit or the colors do not match any thing I previously purchased, even worse the colors or clothing are no longer in style. In some instance, I will keep certain items of clothing if I feel that the item will return in style the next season, also I will having certain items tailored if tailoring the item cost less than the original item.For example, I recently ordered by catalog from an company called Blair a pair of pants. The pants I ordered, I really wanted them but when they arrived to my place of residence they were too big, instead of asking for my money back, I made an exchange for a coral top to match a skirt previously purchased. Yes, returns and exchanges can be a hassle for retailers and consumers. However, I am firm believer if I purchase a product or item and it’s not the quality I feel it should be for the amount of money that I have spent then I will return or exchange the item. I would not call myself a frequent returner; as a former salesperson, I understand the difficult other salespersons might have in working towards sales goals and making monthly quotas.Most importantly, I understand for a salesperson working on commission returns and exchange becomes life or death. On the other hand, a consumer on a budget having to make returns and exchanges  becomes just as irrated and annoyed by not being able to find quality products or items for their hard earn money. All stores do not have the same return policy; therefore, it is very important for consumers to read the receipts before they leave the store. Most retail and chain stores will allow consumers up to fifteen to thirty days to make returns but the item must be accompanied with the receipt or proof of purchase.

C’est Combien: Prepaid Credit Cards

“The key to success with your new account is to take advantage of the monthly reports to the four major credit Bureaus. With proper account maintenance and on time monthly payments on all your accounts, your credit history may be re-established”

                                                        ___ First Premier Bank

Prepaid Credit Cards& Gift Cards:

Minimum monthly payments, late fees, over the limit fees, a delinquent account, and a default account are all terms commonly used with unsecured credit cards, secured credit cards, ATM cards, and debit cards. Consumers can avoid monthly payments and many of the fees associated with these cards by purchasing a Prepaid Credit Card.

Wal Mart, Walgreens,CVS,Kmart, Rite Aid, and Family Dollar all carry prepaid credit cards and gift cards. Consumers should not misconstrue Gift Cards with Prepaid Credit Cards.Gift Cards name the specific store, restaurant, and location where the card can be used i.e( Target, Burdines, Applebee’s, Chili’s, Wal Mart and JcPenny), whereas, Prepaid credit cards are accepted at millions of locations that display the Mastercard and Visa logo’s. Consumers can conciliate their worries by using prepaid credit cards instead of using unsecured or secured credit cards. The proclivity of consumer’s attitudes towards unsecured credit cards and secured credit cards often varies from being effervescent when receiving the first credit card to flabbergasted from the first purchase, and ending with a petulant attitude after receiving the first bill. The pensive thoughts some consumers hold towards unsecured credit cards and secured credit cards trace back to their rudimentary existence of  preconceived ideas about money from axioms embedded in them as young adolescent. All Consumers and College Students have the potential to become sagacious when learning to adjust their monthly budgets to fit with in the confines of their income. Consumers can free up money.

Freeing Up Money:

ATM, Debit Cards, Unsecured Credit Cards, Secured Credit Cards, and Prepaid Credit Cards all carry an inexorable fee; however, Consumers are given the choice of freeing up money by choosing a card which will fit any budget set by the consumer. Prepaid Credit Cards are expedient, great for college students and eliminates excessive fees. Unlike unsecured credit cards, and secured credit cards Prepaid Credit Cards are clear, unambiguous, and direct in terms of applicability and use.

Unsecured/Secured Credit Cards:

Unsecured credit cards do not require a deposit; all most all unsecured credit cards offer consumers the following:

-ability to access cash in emergencies at ATM and Financial Institutions throughout the state.

-acceptance at millions of locations worldwide.

-ability to reserve rental cars, and hotel rooms

                                                                   _______Tribute

Unsecured credit cards are cards that  extend a certain amount of dollars that may be specified or unspecified to the consumer. The credit limits offered to consumers are based on the consumers credit score. Unsecured credit cards are insured by credit lenders. In order for a consumer to be consider for a line of unsecured credit a consumer must apply directly to credit card companies.

Another alternative for consumers who have problems obtaining an unsecured line of credit are secured credit cards. A secured credit card requires a deposit from the applicant. The deposit amount required of the applicant is usually between $100.00 to $300.00.After the applicant sends in the required deposit, a savings account is open for credit (overdraft) protection. Many of the requirements for a secured credit card are the same for an unsecured credit card, in other words, the primary difference between a unsecured line of credit  and a secured line of credit are that secured credit cards require a deposit.

The Application Process:

An applicant must meet the requirements established by credit card companies/lenders. Before the credit card company issues a credit card to the consumer, the issuer must verify certain information for example the credit lenders will ask the applicant to verify their age, name, address, mothers maiden name and home phone number. Nearly all credit lenders  will request credit reports from the three credit reporting agencies (Equifax, Experian, and Trans Union).Applicants are approved based on their credit score and rating. At the discretion of the credit card companies/lenders they may either issue a line of credit to the applicant or state reasons for not being able to extend a specific amount to credit to the applicant. Consumers can avoid the application process by purchasing a Prepaid credit card with the MasterCard or Visa logo’s.

C’est  combien  en tout?

Free Credit Reports&Credit Scores

Cest Combien?

Dispelling the myth about those advertisments offering free credit reports and free credit scores. What consumers should know about too many frequent inquires on their credit report? Equifax, Trans Union, and Experian are all credit reporting agencies, before extending a line of credit; many lenders will request credit reports from one of the following credit reporting agencies. Each year, consumers are allowed at least one free credit report from each of the three credit reporting agencies. In order for consumers to receive, a free credit report, the consumer must make a written request to the credit reporting agency of their choice. A photo copy of the consumer’s drivers’ license or state identification, social security number, and proof of residence must accompany their written request for their credit reports. Primarily the purpose of credit reporting agencies are to keep track of consumers  borrowing habits. Credit reporting agencies were established to monitor a consumer credit history. In fact, the information found in a consumer’s credit report helps lenders and credit companies determine the credit worthiness of the consumer. As a result, consumers whose credit reports show adverse information, for example, too many inquiries, too many delinquencies, or too many opened accounts could cause the consumer to be denied additional credit and charged high interest rates on existing, accounts.Likewise,consumers could also be charged excessive interest rates on cars, appliance, electronics, and homes because of poor credting rating. Nevertheless, all consumers regardless of their score and rating should monitor their credit regularly for inaccuracies. Debt Consultation Companies highly recommend that consumers review their credit regularly, each year, to make sure the information written in consumers credit report are accurate. Recently, I made a written request to two of the credit reporting agencies for my credit report. Usually, I will request for my credit report at least once a year. This year it was very important that I requested a credit report because I have a vested interest in knowing what is on my credit report as an Entrepreneur/minority business owner. In many instances , consumers working to improve their credit history maybe only a few steps away including myself. Credit counselors advise consumers:

---to know what is in their (3) three credit reports

---to make an honest effort to resolve any past due accounts

---to check for inaccuracies in their reports

---to reduce their number of accounts…..

Furthermore, credit reporting agencies also inform consumers that adverse information may remain on their credit report for up to (7) seven years. Whereas, bankruptcies are reported for (10) ten year (http://www.creditwatch.equifax.com) To conclude, another credit reporting agency states consumers can expect to find the following on their credit reports:

“---potentially negative items or items for further review”

“---accounts in good standing”

“---History of their account balances”

“---Request for their credit history”

                                                                    ----Experian

C’est Combien en tout?

C'est combien & C'est combien en tout?