How to keep cool in the heat

When you're about to go to bed on a hot day sprinkle a little baby powder on the sheets before going to sleep. Also taking a warm shower or drinking something warm when you're hot will cool you down. Drinking something cold or taking a cold shower will have the opposite effect. Keep cool!

Those harrasing debt collectors!

The other day I saw an episode on debt collectors done by the TV show Dateline and I learned something interesting. When a debt collector calls telling you the cops are on their way, it's a lie, because I saw a woman talking with her hand on the phone receiver threatening the caller with police coming to get her if she didn't pay up.

To see the videos go on to youtube and type in dateline credit card debt trap.

Vacation Tips

Go right now, before airline rates go up

Check your hotel receipt for hidden charges like:

Resort, bellman, minibar, and room service charges.

If you weren't told about these charges, you have a right to dispute them

Travel insurance should be bought if your going on a 5,000 dollar cruise,but not if you're buying a  cheap ticket. Don't buy insurance from the cruise line, buy it from a third party.