Month: June 2009

Service Review: Consumer Credit Reporting / Monitoring and Identity Theft Protection Services

Posted by – June 27, 2009

This post lists out major service provider in credit reporting/monitoring and identity theft protection.  Credit repairing has got a bad name due to some businesses’ abusive activities, therefore businesses providing that service have been excluded for readers’ benefit.

Please feel free to share with us any of your unhappy experience with these agencies so that this list can be maintained constantly useful to readers.

Credit Reporting/Monitoring

myFICO® is the consumer division of Fair Isaac, the company that invented the FICO® credit risk score that lenders use. Starting in the 1960s, Fair Isaac sparked a revolution by pioneering credit risk scoring for the financial services industry. This new approach to lending enabled financial institutions to improve their business performance and expand consumers’ access to credit. Today Fair Isaac’s FICO® score is widely recognized as the industry standard for lenders.

myFICO® offers Score Watch service to consumers, the service includes

  • delivery of FICO score regularly
  • send warnings when FICO score change
  • send notification when customer is qualified for certain loan

Equifax is public listed company, member of S&P 500 index.  On Consumer service side, Equifax offers credit management products like 3-in-1 Credit Report and Score Watch help consumers make informed decisions when making purchases, securing loans, paying for college educations, and managing their personal finances.

Identity theft is the fastest growing white collar crime in America. One in five families have been affected by this epidemic. Identity theft protection products like Equifax’s Credit Watch Gold™ with 3-in-1 Monitoring continually monitor consumers’ credit files and alert them of potentially fraudulent activity like a new credit card application that they did not initiate.

CreditReport.com provides free credit reports and credit scores to consumers in a secure, online environment. Its Credit Monitoring service alerts customers to changes across all 3 of their credit reports while Credit Score Tracking notifies customers to significant changes in their credit score.

Identity Theft Protection

As identify theft is the fastest growing crime in United States,  protection services emerge in response to proactively protect consumers from this crime.

TrustedID’s®  innovative flagship product – IDFreeze® – stops identity theft before it ever happens. Secured from identity theft by their 15 points of protection which includes protection for children, seniors, and medical records.  In addition, TrustedID’s® also rolled out a new product Identity Threat Score™ on Oct. 27, 2009, which provides a gauge of an individual’s risk of identity theft by assessing millions of records on hundreds of public and private databases. This information is then analyzed for patterns that could indicate if the customer has been or is about to be a victim of identity theft.

IdentityTruth.com provides identity theft protection services starting from $10/month.  They use innovative technology to offer customers the earliest possible notificationTM of identity misuse and threats. IdentityTruth is a privately held, VC- funded company headquartered in Waltham, Massachusetts. Investors include Argonaut Ventures and Stata Venture Partners.  They are offering customers the chance to test our services on a risk free basis before making a purchase.

ID Watchdog offers patent-pending technology that continually scans thousands of credit, social security, DMV, medical, public records and other databases.  They search for fraudulent activity and notify you of anything suspicious.

Also included in the free trial offer of ID Watchdog Plus is a free ID Theft Profile.  This cross references thousands of databases, checks for any instances of previous ID theft and is valued at $19.95.

LifeLock provides a proactive identity theft service, specializing in the prevention of identity theft rather than the reporting of it. LifeLock was founded in 2005.

Also refer to my previous post: Credit Score Q&A

Remembering Michael Jackson: His All-Time Best Selling Albums

Posted by – June 25, 2009

Michael Jackson left us at age of 50 today, but his music will stay with us on and on.  Although there are many ways of measuring the success of a musician, but Michael Jackson definitely holds the top spot of producing best selling albums.   He has produced 3 albums that sold more than 30 million copies worldwide each, among which his 1982 album Thriller is the top seller in the all-time best selling albums, sold more than 109 million copies worldwide.

Here are his all-time selling albums:

Thriller: $12.99

The Biggest Album Ever just got bigger. The 25th Anniversary Edition of Thriller celebrates this ground-breaking album with 7 bonus tracks, six of which are previously unreleased. The new tracks include exclusive remixes from Kanye West, Fergie, will.i.am and Akon along with a previously unreleased track from the Thriller sessions, “For All Time,” newly mixed and mastered by Michael Jackson. Also included is a BONUS DVD with new, digitally restored versions of the three videos from the album as well as the Michael Jackson’s groundbreaking performance of “Billie Jean” on the “Motown 25: Yesterday, Today, Forever” television special (first broadcast on NBC May 16, 1983).

Bad: $5.93

Though it sold in the eight-figure range worldwide, to some ears Bad suffered in comparison to its predecessor, Thriller. While not as visionary as that record-breaker and Off the Wall, the 1987 album does find Jackson and producer Quincy Jones continuing to work their craft at a high level. As it had with Thriller, radio embraced nearly every cut. Airplay saturation helped make the likes of “The Way You Make Me Feel,” “Smooth Criminal,” and the title track major hits in their day; they ring with confidence and good feeling more than a decade later. The self-involvement that would make the new material on History (1995) sound so curdled had yet to overtake Jackson; even his plea to “Leave Me Alone” displayed a sure wit, particularly in its video version. While the third best of his first three Epic solo discs, Bad carries a lot of what people love about Michael Jackson’s music. –Rickey Wright

Dangerous: $7.97

Michael Jackson was still going for pop hits with 1991′s Dangerous, but he also front-loaded the album with six straight Teddy Riley-assisted cuts. This half-hour swoop of tense, aggressive, often angular funk was Jackson’s most interesting music since Thriller, and still sounds, well, invincible on this remastered edition. After that, the record’s uneven, but there’s nothing embarrassing about it, either. “Gone Too Soon,” a non-Jackson composition about teen AIDS casualty Ryan White, is a quiet statement (particularly played next to the choir-laden “Heal the World,” “Keep the Faith,” and “Will You Be There”) showing that the star doesn’t always have to get showy. The sprightly “Black or White” is explicitly pro-interracial romance, an angle its video didn’t go near, and the urgent “Give In to Me” is almost scary. Scary good, that is. –Rickey Wright

Complete list of all time best selling albums

Product Review: Value Buys for Babies

Posted by – June 21, 2009

In my previous post, I compared nursing chairs which is a necessary breast feeding gear.  This post keeps track of other value products for babies and new moms broken down by their functionalities:

Car Seats

Britax Marathon Convertible Car Seat Tan Swirl: $229

Britax Marathon Convertible Car Seat Tan Swirl

Product Description: This durable, long lasting convertible car seat is one of the most functional car seats to ever hit the market.  The shell of the car seat is a little bit bulkier than others and parents should allow for about 31 inches of seat space when used rear facing.  Some of the unique features on the Britax Marathon include a five point polyester harness with no tangle polyester webbing, which is certainly standard on most baby car seats. It also features built in lock-offs for the car’s seat belts and a push button LATCH system with versa tether.   Now, the Britax Convertible Car Seat has Expanded PolyStyrene to increase available shoulder width room. EPS foam also helps soften a blow to the head in collisions.  Britax convertible car seats are equipped with their patented HUGS system. It is designed to better distribute webbing loads to reduce head movement and minimize the chance for the webbings edge to load on the child’s neck.

Britax Roundabout Convertible Car Seat: $170

Britax Roundabout Convertible Car Seat

Product Description: The legendary Britax Roundabout convertible car seat is renowned for safety, comfort and convenience. Unique features including a sculpted base, push button release LATCH system with patented Versa-Tether, and built-in vehicle belt lock-offs, make a tight installation in your vehicle quick and simple. The tangle-free polyester 5-point harness and push button harness adjuster help you effortlessly secure your child every day. The Britax Roundabout also offers a cozy, washable seat cover for that ultimate comfort experience! It measures 18.5 x 24 x 24.5 inches ; 13 pounds.

Graco Nautilus 3-in-1 Car Seat in Matrix: $144

Graco Nautilus 3-in-1 Car Seat in Matrix

Product Description: Help keep your child harnessed as long as you can and if you can do that without buying a procession of car seats, even better! The new Nautilus 3-in-1 Car Seat is the only forward-facing car seat your child will need. It helps keep him safe in a 5-point harness longer than most car seats ? all the way up to 65 lbs.

Later, the seat converts to a highback booster then backless booster, for comfortable, custom protection up to 100 lbs. Extensive crash testing and a steel-reinforced structure give parents peace of mind, while the height adjusting head support and extra-comfy seat with wide armrests, cup holder and side storage help your precious passenger relax and enjoy the ride. Dimensions: 20″ x 22″ x 29″

Baby Gear

Graco Pack ‘n Play Playard in Bugs Quilt: $89.88 with FREE shipping

Graco Pack 'n Play Playard in Bugs Quilt

Product Description: Whether home or away, this Pack ‘N Play Playard helps you give Baby a safe place to play. It has a strong, stable frame and airy mesh walls so Baby’s comfortable and 4 interactive bug toys to keep him entertained. The roomy square design gives him plenty of play space to crawl, explore, and figure out what to do with all those developing muscles. It sets up and folds in less than a minute and comes with a handy carry bag, so you can easily bring it with you to your yard, the beach, Grandma’s, or anywhere the day might take you. The product measures 10.2 x 10.5 x 37 inches ; 26.1 pounds.

Fisher-Price Healthy Care Deluxe Booster Seat: $29.99 with FREE shipping

Fisher-Price Healthy Care Deluxe Booster Seat

Product Description: The Healthy Care Booster Seat has a feeding tray you can sanitize right in the dishwasher. With the snap-on lid in place, the tray will stay clean until you’re ready to use it. So you can take it wherever you go (it folds compactly) and always be sure that your baby is eating from a dishwasher-clean tray. Three height adjustments allow for a custom fit to any table. Front and rear seat straps adjust to fit virtually any chair and three-point harness adjusts to hold your growing child securely. Folds compactly for portability, with a carry strap so you can take it anywhere. (Weight limit: 45 pounds).

iBert Safe-T Front Mounted Child Bicycle Seat: $85 with FREE shipping

iBert Safe-T Front Mounted Child Bicycle Seat

Product Description: The iBert safe-T-seat was designed with quality and safety first. The safe-T-seat places the child up front, safely between the parent’s protective arms. This evenly distributes weight over the bike giving a stable, safe ride. Kids enjoy the close interaction and the unobstructed view of the fun ahead. Mounted conveniently on the handlebar stem; the high, forward position allows you to pedal in comfort without banging your knees on the seat.

Crane Adorable 1 Gallon Cool Mist Humidifier: $27.19 with FREE shipping

Crane Adorable 1 Gallon Cool Mist Humidifier

Product Description: Humidifier is very important for your newborn baby. Adorable Crane Cool Mist Humidifier provides additional comfort to cold symptoms, dry itchy skin, and chapped lips. The whisper quiet humidifier operates on a low power consumption providing up to 11 hours of moisture from a removable one gallon water tank. Includes an automatic shut off safety feature when water tank is empty.

Bouncers & Gyms

Fisher-Price Jumperoo: $80

Fisher-Price Jumperoo

Product Description: Everything your baby needs can be found in this Rainforest Jumperoo. Its newly designed frame allows you to opens it up from the top, and lets the seat rotate 360 degrees so baby can play and interact from any side. A fun seat and toys at five locations on the platform engage baby all the way around, and an electronic toy at the front has motion, music and lights that can be activated by baby spinning a drum. The product measures 24.8 x 22.3 x 7.5 inches ; 19.6 pounds.

Fisher-Price Rainforest Melodies & Lights Deluxe Gym: $190

Fisher-Price Rainforest Melodies & Lights Deluxe Gym

Product Description: Bring the exciting world of the rainforest to life with the Fisher-Price Rainforest Melodies & Lights Deluxe Gym. This fun, interactive, and educational activity centers encourages healthy development while entertaining and calming baby. Designed for use from birth on up, and requiring two “C” batteries (not included), the gym has a soft quilt and offers music, lights, and nature sounds to keep baby safely occupied. The product measures 28.7 x 22.6 x 3 inches ; 4.7 pounds.

LeapFrog Learn & Groove Musical Table: $40.96

LeapFrog Learn & Groove Musical Table

Product Description: Provide a world of learning and musical fun for your child with the LeapFrog Learn & Groove Musical Table. Designed for children ages six months to three years, this innovative toy is chock full of learning and musical activities designed to provide visual and auditory stimulation and motor skill development, as well as opportunities to learn about colors, the alphabet, and opposites for older children — and much more. The product measures 5.5 x 15.4 x 22.9 inches ; 8.5 pounds.

Baby Carriers

BabyBjörn Baby Carrier Original: $80

BabyBjörn Baby Carrier Original

Product Description: Baby Bjorn Baby Carrier The Baby Bjorn Baby Carrier is a favorite of parents throughout the world. It allows parents to keep the baby close and secure while at the market, doctor or any other place. It is a baby infant carrier which can be used right from the very first week. As long as the baby weighs 8 lbs. and is 21 in. long, the Baby Bjorn Carrier may be used. The child carrier from Baby Bjorn holds the baby upright and features a strong back and neck support. It grows with baby thanks to an adjustable buckle which gives maximum comfort for all ages. The carrier is easy to put on and remove because all the adjustments are made in the front. Most parents love the unique Baby Bjorn feature which allows the button to be unbuttoned at the front of the carrier and lay down without waking up. As the child grows it allows for forward facing placement. The seat height on the Baby Bjorn Baby Carrier is also adjustable and the wide straps evenly distribute weight for comfort. This Baby Bjorn carrier has won the Silver Award and Design of the Decade ISDA, 1999 as one of the 36 products of the decade. The Baby Bjorn infant carrier has also won several awards in the United Kingdom. Carrier measures 10 x 3 x 11 inches ; 2 pounds.

Baby Toys

Baby Einstein Takealong Tunes: $10

Baby Einstein Takealong Tunes

Product Description: Promote music appreciation and auditory development by introducing your little one to baby-friendly versions of classical masterpieces by Mozart, Vivaldi, Chopin and Rossini with the Baby Einstein¨ Takealong Tunes! A large, easy to press button allows your baby to toggle through 7 high quality and enjoyable classical melodies at home, or for on-the-go fun! This baby¨s version of an ¨MP3 player¨ has colorful lights that dance across the screen to enhance each entertaining melody and promote visual perception. The product measures 5.1 x 5.1 x 1.1 inches ; 3.7 ounces.

Munchkin Mozart Magic Cube: $20

Munchkin Mozart Magic Cube

Product Description: Ideal for children of all ages! Create original music from 5 different instruments, French horn, flute, piano, violin and harp or play music from eight Mozart compositions. Large colorful buttons light up to the tempo of the music. Soft, rounded corners make it easy for a baby to hold. Batteries included. The product measures 7.6 x 6 x 5.6 inches ; 1.6 pounds.

Lamaze Jacques the Peacock: $20

Lamaze Jacques the Peacock

Product Description: This new Lamaze Play & Grow Peacock comes complete with multiple textures and sounds to keep baby entertained. Crinkly fabric, a peek-a-boo mirros, bold colorful patterns and soft fuzzy textures invite little ones to explore and learn. Jacques the Peacock comes complete with a Lamaze link, so you can snap it to a car seat, high chair, or anywhere else. The product measures 11.9 x 8.1 x 2.8 inches ; 3.2 ounces.

Sassy LeapFrog Baby Curious Crab Rattle: $5

Sassy LeapFrog Baby Curious Crab Rattle

Product Description: With the Sassy LeapFrog Baby Curious Crab Rattle, you can introduce you baby to colors. Safe and fun for babies of all ages, this adorable crab is perfect for color and tactile exploration.   Introduce baby to colors with this crabs bright, crinkly feet. Encourage baby to shake this adorable crab and hear the colorful beads make a soft rattle sound. Measures approximately 7.9 x 5.8 x 0.9 inches. Ages Birth+

High Chair

Fisher-Price Rainforest Healthy Care High Chair: $94

Fisher-Price Rainforest Healthy Care High Chair

Product Description: Looking for a way to keep baby entertained while you’re preparing his meal-or cleaning up? How about giving baby a rainforest of his very own to play in? The Rainforest Healthy Care High Chair has a toy that gives baby just that. Snap it into the high chair tray, and baby can play with different rainforest animals in lots of different ways, including activating music, lights & sounds! There’s also a tethered toy that stays with the tray. And while baby’s enjoying the rainforest, you’ll enjoy conveniences like a one-handed tray removal, 7 chair height adjustments, a dishwasher-safe insert tray and more! Toy requires 3 AA batteries. Please dispose of batteries safely. Look for more wonders of the Rainforest collection! (Each sold separately and subject to availability.)

Teethers

Vulli Sophie the Giraffe Teether: $18

Product Description: Sophie the Giraffe, full of discoveries and activities to awaken baby’s senses.  Sight: The dark and contrasting spots all over Sophie the Giraffe’s body provide visual stimulation and make her easily recognizable to baby.  Hearing: Her squeaker keeps baby amused, stimulates his hearings, and helps him to understand the link between cause and effect.  Taste: She is perfect for soothing baby’s sore gums when teething and is completely safe.  Made of 100% natural rubber and food paint.  Touch: Sophie the Giraffe is perfect for baby’s small hands.  She is very light and her long legs and neck are easy for baby to grip.  Smell: The singular scent of natural rubber from Have tree makes Sophie the Giraffe very special and easy for your child to identify amid all his other toys. Phthalates and BPA free.

RaZberry Teether: $6

RaZberry Teether

Product Description: The silicone RaZberry teether is a happy teething baby. It stimulating multi textured can be frozen for extra soothing comfort. This is the first hands-free all silicone teething pacifier. It has a bumpy texture which soothes baby’s gums. This is non-toxic and 100% medical grade silicone.

Nursing Chairs / Gliders

Check out this post for nursing chairs and gliders comparison.

Review of Online Stock / Option Brokers

Posted by – June 7, 2009

This post reviews major online stock / option brokers for retail investors.

TradeKing is a nationally licensed online broker offering low flat fees ($4.95 per trade plus $.65 per option contract) with no hidden costs or account minimums.  Mutual fund trading cost $14.95 per trade, while TDAmeritrade cost $49.99 per trade, and E*Trade cost $19.99 per trade. TradeKing offers great education to investors who heavily trade on options, it offers pre-programmed option strategies in its tading platform to facilitate option trading which is common used in hedging risk. Regarding accessing research information, TradeKing offers access to research from MarketGrader.com, “a quantitative system that analyzes publicly-traded companies based on a strict fundamental analysis”

E*TRADE FINANCIAL offers $12.99 stock trades ($9.99 if your have more than $50,000 in your portfolio or makes 30+ trades per quarter).  Available research includes: Credit Suisse, Thomson Reuters, S&P Stock Reports, BNY Jaywalk, Morningstar, Dow Jones and Market Edge, a complete list can be found here.

E*TRADE retirement accounts include: No-Fee Roth IRA, No-Fee Traditional IRA, and Rollover IRA accounts. Opening an account is quick and easy, and takes a matter of minutes.

Product Review: Gliders (Nursing Chairs) for New Moms

Posted by – June 5, 2009

This post lists out reliable nursing chairs that are listed online and offer free shipping.   The overall best value to your dollars is the Stock Craft Hoop Glider and Ottoman for its good design, inclusion of ottoman offered at a reasonable price.

Stork Craft Hoop Glider and Ottoman: $159

Stork Craft Hoop Glider

Product Description: A must-have for new moms, this Hoop Glider is perfect for rocking baby to sleep in the wee hours of the night. Glider features solid wood construction with metal, enclosed ball bearings for a smooth gliding motion.

Chair features ample seating room with padded arms, and the arm cushions have a pocket for paper, magazines and other small supplies. Back and seat cushions are machine washable. Ideal for your nursery, or any other room in your house. Includes matching ottoman. Glider measures 24.75″L x 25.75″W x 39.5″H; ottoman measures 20″L x 17.5″W x 16″H.

Stork Craft Sleigh Glider: $215

Stork Craft Sleigh Glider

Product Description: Why sit in an uncomfortable chair when feeding or holding a resting baby? With the Sleigh Glider by Storkcraft, comfort is no longer an issue. The classic finish on the glider makes it perfect for placement in any room you desire. The finish is non-toxic which means that your child won’t be harmed. The pockets on the cushions store neccessities for sitting int he chair. Why go uncomfortable? The Sleigh Glider by Storkcraft provides the much needed comfort you desire. Glider measures 30.2 x 23 x 19.2 inches ; 38 pounds

Chanderic Glider w/ Ottoman: $159

Chanderic Glider w/ Ottoman

Product Description: Shermag Glider with Ottoman Spoil yourself with a product you’ll love for a lifetime – the Shermag Glider with Ottoman. Great for nursing or just kicking back and relaxing, this sleigh style set is made of solid hardwood with a steel ball bearing glide system to ensure years of use for you and your family. There’s even a multi-purpose brake system to stabilize the glider in several different positions. It’s all about luxury and comfort on a Shermag Glider. The beautiful hardwood is available in natural, pecan, and cabernet. Everything is padded and cushioned with an extra-plush, micro-fiber fabric. The back, seat, arms, and ottoman are all covered with this easy care fabric. The padded arms come with a special pocket for storing small items. Do yourself a favor – order the Shermag Glider with Ottoman today! Unfortunately, this product is not able to be delivered to APO/FPO addresses. Glider measures 55 lbs.

For the best selling gliders for breast feeding, check out:


updated on:

1

Stork Craft Stork Craft Hoop Glider and Ottoman Set, Cherry/Beige

4.0 out of 5 stars(410)

Buy new: $199.00 $143.09
5 used & new from $131.64

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

2

Stork Craft Stork Craft Tuscany Glider and Ottoman, Espresso/Beige

3.8 out of 5 stars(183)

Buy new: $299.00 $152.09
6 used & new from $152.09

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

3

Stork Craft Stork Craft Hoop Glider and Ottoman Set, Espresso/Beige

4.0 out of 5 stars(410)

Buy new: $230.00 $152.99
5 used & new from $133.75

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

4

Graco Avalon Graco Avalon Glider with Ottoman, Espresso

3.7 out of 5 stars(42)

Buy new: $229.99 $152.14
2 used & new from $152.14

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

5

Harmony Kids Harmony Kids Deluxe Recliner, Choclolate Micro

4.0 out of 5 stars(3)

Buy new: $131.80 $89.88
6 used & new from $66.15

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

6

Stork Craft Stork Craft Custom Tuscany Oak Finish Glider and Ottoman with Free lower lumbar pillow, Beige Cushions

5.0 out of 5 stars(1)

Buy new: $214.99 $161.09
2 used & new from $161.09

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

7

Stork Craft Stork Craft Hoop Glider and Ottoman, White/Beige

3.9 out of 5 stars(17)

Buy new: $219.00 $152.99
2 used & new from $152.99

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

8

Stork Craft Stork Craft Hoop Glider and Ottoman, Espresso/Chocolate

2.0 out of 5 stars(4)

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

9

Stork Craft Stork Craft Hoop Glider and Ottoman Set, Black/Beige

4.0 out of 5 stars(410)

Buy new: $229.00 $169.54
3 used & new from $155.73

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

10

Graco Avalon Graco Avalon Glider and Ottoman, Cherry

3.7 out of 5 stars(42)

Buy new: $229.99 $152.14
3 used & new from $123.24

(Visit the Best Sellers in Gliders & Ottomans list for authoritative information on this product’s current rank.)

Full list of bestsellers in this category (in a pop up window)

Also check out this post for other value products for babies and new moms.