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Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
Handling House and Home in Hard Times August 14, 2008 Websites
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Handling House and Home in Hard Times August 14, 2008 Websites

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  • 1. Handling House and Home in Hard Times August 14, 2008 Websites Consumer Assistance ABA LawInfo.org Legal information for consumers on family, home, job, finances, buying and selling, the courts, criminal justice, and finding a lawyer. Some listings have brief annotations. From the American Bar Association. URL: http://www.abalawinfo.org/ Disaster Recovery: A Guide to Financial Issues This booklet is written to help you regain a sense of financial balance following a disaster by offering suggestions on steps to take immediately, what to do in the initial weeks and months, and how to begin planning again for the future. Topics include restoring household stability and managing a property loss. Prepared by the American Institute of Certified Public Accountants, the American Red Cross, and the National Endowment for Financial Education. URL: http://www.redcross.org/services/disaster/beprepared/FinRecovery/ eHow: Clear Instructions on How to Do (Just About) Everything A huge collection of instructions on "how to do things." Features step-by-step directions or advice in the areas of automotive, careers and education, computers, family and relationships, finance and business, food and entertaining, health, hobbies and games, personal care, pets, sports and fitness, and travel. Each entry is written and edited by eHow staff and may include tips, warnings, and a list of items needed to complete the task. Browsable and searchable. URL: http://www.ehow.com/ Federal Reserve Board: Consumer Information Compilation of documents from the U.S. Federal Reserve Board and links to related information on topics of interest to consumers. Topics include bank accounts and services, consumer credit, identity theft, leasing, mortgages (including adjustable rate mortgages), and personal finance. Most information also available in Spanish. URL: http://www.federalreserve.gov/consumers.htm GetHuman This website features a list of consumer service telephone numbers and tips for how to get to speak to a person. The company lists also include a letter grade and are browsable by category, such as automotive, credit, finance, insurance, products, and travel. The site includes a description of how grades are assigned, a blog, and discussion forums. From a consumer advocate and other volunteers. URL: http://gethuman.com National Consumer Law Center (NCLC) This organization provides information on the legal problems commonly faced by low income consumers, including surviving debt, credit, mortgages, foreclosure, utility payments, scams, and more. URL: http://www.consumerlaw.org/
  • 2. Personal Finance CU Succeed Resources Offers articles and resources for teens about management of personal finances. Includes downloadable budget spreadsheets, a financial glossary, and online calculators for loans (including auto loans), savings, and credit card payoffs. Features articles written by teenagers on buying a car, choosing a college, finding a job, tracking expenses, and related topics. From a credit union league partnership that assists credit unions in the United States and Canada in attracting teen members. URL: http://www.cusucceed.net/resources.php Financial Education and Tools Contains information and interactive planning tools on saving, budgeting, home and car purchasing, investing, loans, education, retirement, and estates. From Bank of America. URL: http://www.bankofamerica.com/financialtools/ Financial Facts Tool Kit Produced by the Securities and Exchange Commission to better inform consumers about saving and investing. Tips are included on planning for retirement, advice on investing, guides to mutual funds, market risks, corporate and municipal bonds, and workbooks such as "Get the Facts: The SEC’s roadmap to Saving and Investing." It links to an interactive version of the "ballpark estimate" worksheet for calculating how much money should be saved for retirement. URL: http://www.sec.gov/investor/pubs/toolkit.htm Financial Planning and Retirement Information about financial issues facing retirees. Topics include estate planning, financial advisors, insurance, investing and saving, and retirement income (such as individual retirement accounts, social security benefits, pensions, and annuities). Includes links to related information. From AARP. URL: http://www.aarp.org/money/financial_planning/?source=google&sitrackingid=343711 How To Do an Annual Financial Checkup This article outlines ideas for a year-end personal finance review, covering goals, asset protection, will updates, investment performance evaluation, debt control, income tax reduction, and retirement plan review. Includes links to related articles. Written for About.com by an accountant and author of books on personal finance. URL: http://financialplan.about.com/od/personalfinancebasics/a/AnnualCheckup.htm The Investment FAQ Questions and answers about investments and personal finance, including stocks, bonds, options, discount brokers, information sources, retirement plans, life insurance, and more. URL: http://www.invest-faq.com/ iVillage: Home Finances This site for women offers quizzes and articles about budgeting, saving and investing, insurance, debt, home ownership, and more. URL: http://home.ivillage.com/homeoffice/topics/0,,4tmn,00.html?ice=ivl,searcht Kiplinger Online A long-time favorite business reference publisher, Kiplinger's provides a lot of free content online. The site includes articles from their Personal Finance Magazine, daily business news, stock quotes, and rates for financing from credit cards to home equity, financial calculators of all sorts, a small annotated directory of other business sites, and an excellent advice column about Kids & Money . URL: http://www.kiplinger.com/
  • 3. Kiplinger's Personal Finance: Retirement Collection of articles and columns on topics related to retirement savings, such as individual retirement accounts (IRAs), 401(k) and pension plans, annuities, and retirement planning for children and young adults. Includes retirement calculators. From the website for Kiplinger's Personal Finance magazine. URL: http://www.kiplinger.com/yourretirement/ The Mint An economics and money management primer for middle school and high school students that addresses how to earn, budget, save, and invest money. Covers the stock market, credit cards, inflation, income, expenses, interest rates, the relationship between higher education and earning potential, and more. Includes a section for teachers and parents. Maintained by the National Council on Economic Education. Searchable. URL: http://www.themint.org/ MoneyCentral Comprehensive personal finance site. Offers real-time stock quotes, lists of top mutual funds, as well as a wealth of information on topics including retirement planning, saving for college, insurance, and buying or selling a home. Sponsored by Microsoft. URL: http://moneycentral.com/home.asp Motley Fool A comprehensive investment resource for small investors. Their purpose is to inform, educate and amuse the individual investor. Includes areas such as the Daily Double, which profiles a stock that has doubled value in the last six months; helpful personal finance information contained in the Fool's School; and a good section on how to value stocks. Be sure to read their disclaimer, under Read This First. URL: http://www.fool.com/ National Foundation for Consumer Credit NFCC is an association of non-profit organizations that provide education and counseling in credit and debt management. This site provides basic consumer information about credit reports, debt collection practices, and bankruptcy. Consumers are encouraged to contact their local NFCC office via the Local Office Locator directory. URL: http://www.nfcc.org/ Planning & Education Practical financial advice for personal investors. Investment guides cover how to create an investment plan, invest for retirement, roll over retirement assets, manage retirement, save for college, maximize your after-tax return, and plan your estate. Includes links to related investor resources. Sponsored by the Vanguard Group. URL: https://personal.vanguard.com/us/planningeducation Practical Money Skills for Life Designed for teachers, parents, students, and consumers, this site deals with all aspects of managing money, including spending plans, credit cards, and saving and investing. Features lessons for students at all grade levels, budget calculators for estimating savings and loan repayments, a banking tutor, and games that teach different aspects of money management. Some content available in Chinese and Spanish. From Visa. URL: http://www.practicalmoneyskills.com/
  • 4. Yahoo! Finance This site for investing and personal finance provides U.S. and international stock quotes with minimal delay when markets are open, as well as historical stock quotes and other market information. Additional investment topics include general financial news, industry news, annual reports, and mutual fund, bond, and option information. Also includes links to more than 20 international sites. Personal finance subjects include loans, insurance, and taxes. URL: http://finance.yahoo.com/ Your Access to Free Credit Reports Under an amendment to the Fair Credit Reporting Act (FCRA), consumers can request a free copy of their credit report once every 12 months. This site has the details and the URL of the only official request website. From the Federal Trade Commission. URL: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm Energy Energy Savers: Tips on Saving Energy & Money at Home This site"provides homeowners with tips for saving energy and money at home and on the road. Features information about conducting a home energy audit, a major appliances shopping guide, and tips on insulation, heating and cooling, windows, and water heating. From the U.S. Department of Energy, Office of Energy Efficiency and Renewable Energy. URL: http://www1.eere.energy.gov/consumer/tips/ Home Energy Saver Enter your zip code and receive a comparison of the energy costs of an average home and an energy-efficient home in your area, and learn how to save money on heating and cooling your home, hot water heaters, lighting, and appliances. Also features remodeling tips, an FAQ on saving energy, a glossary, and links to related resources. Developed by the Environmental Energy Technologies Division at the Lawrence Berkeley National Laboratory. URL: http://hes.lbl.gov/ Home Energy + The Wisconsin Home Energy Assistance Program administers the federally funded Low Income Home Energy Assistance Program and Public Benefits Energy Assistance Program. LIHEAP and its related services help over 100,000 Wisconsin households annually. In addition to regular heating and electric assistance, specialized services include: Emergency fuel assistance, Counseling for energy conservation and energy budgets, Pro-active co-payment plans, Targeted outreach services, Emergency furnace repair and replacement. URL: http://www.heat.state.wi.us/ Home Resource Efficiency Consumer guide to sustainable and energy-efficient home design, with fact sheets on appliances and lighting, home cooling, household greenhouse gas emissions, water efficiency, construction of new homes, environmentally friendly building materials, renewable energy (such as solar and wind power), indoor air quality, and recycling. From the Rocky Mountain Institute, an energy policy research organization. URL: http://www.rmi.org/sitepages/pid186.php Partnerships for Home Energy Efficiency (PHEE) This site provides links and information about cost-effective household improvements such as buying more energy-efficient products and appliances, sealing air and duct leaks, and adding insulation. A joint effort of the U.S. Department of Energy, the U.S. Environmental Protection Agency, and the U.S. Department of Housing and Urban Development. URL: http://www.energysavers.gov/phee.html
  • 5. Finding Bargains and Coupons Unodeals Bargains and sales from online retailers. Not searchable. URL: http://unodeals.com/ Bargain Hunting: 20+ Tools for Finding Coupons Online This blog post from Mashable Social Networking News has many coupon and bargainsites listed. Some of them are listed below. URL: http://mashable.com/2008/07/22/coupons-online/ CoolSavings.com Tons of printable coupons divided by style of shopping with listings of free samples you can get. URL: http://www.coolsavings.com Coupons.com Go to the site, find your desired coupon, and print it out to take to the store. URL: http://print.coupons.com/CouponWeb/Offers.aspx?pid=13306&zid=iq37&nid=10 CouponSurfer.com Mixes up printable coupons for brick & mortar stores with ones for online sites. The heavier emphasis does seem to be on groceries and food. URL: http://couponsurfer.com/ CouponMom.com Has coupons you can print, helps you find coupons, gives you strategies on how to use them to make them most effective, and a whole lot more. URL: http://couponmom.com/ Food: Groceries, Cooking, Dining Out CheapCooking.com Frugal tips for cutting back on your grocery bill, cheap recipes and shopping hints, money saving tips and techniques, and a downloadable grocery list and price book. Recipes are browsable by type. Also includes suggested cookbooks, related links, and a free weekly newsletter. URL: http://www.cheapcooking.com/ Meals for You Here you can select recipes, find suggested meals based on a particular ingredient, and print out a shopping list organized into categories, such as produce, dairy, etc. URL: http://www.mealsforyou.com/ Foreclosure Foreclosure Resources for Consumers If you are having difficulty making your mortgage payment, one of the most important things you can do is seek assistance.These resources provide information and links to agencies and organizations that may be able to help you. Includes links to government resources from the Department of Housing and Urban Development, Federal Housing Administration, Federal Trade Commission, Internal Revenue Service, and others. From the Federal Reserve Board. URL: http://www.federalreserve.gov/pubs/foreclosure/
  • 6. Which is Worse: Foreclosure or Bankruptcy? This 2007 article considers the question of "what is better on your credit report -- foreclosure or bankruptcy?” Also describes alternatives to mortgage foreclosure and bankruptcy. From the MSNBC answer desk. URL: http://www.msnbc.msn.com/id/21478416/ Questions and Answers on Home Foreclosure and Debt Cancellation Information about the personal income tax consequences of debt forgiveness for money borrowed from a commercial lender, and income gains if there is a foreclosure. Includes examples and links to related publications on selling your home and bankruptcy. From the Internal Revenue Service. URL: http://www.irs.gov/newsroom/article/0,,id=174034,00.html Help for Homeowners Facing the Loss of Their Home This site discusses steps to take when you may be unable to pay the mortgage on your home. Topics include contacting your lender, talking to a housing counseling agency, prioritizing debts, and exploring loan workout solutions (such as forbearance or mortgage modification). Includes comments about predatory lending schemes, and a link to a list of HUD-approved housing counseling agencies by state. From the U.S. Department of Housing and Urban Development. URL: http://www.hud.gov/offices/hsg/sfh/econ/econ.cfm A Lifeline for Delinquent Mortgage Borrowers This February 2008 article describes the public-private Project Lifeline, billed by Treasury Secretary Henry Paulson as “a targeted outreach to homeowners 90 days or more delinquent that may lead to a pause in the foreclosure process.” This project covers all residential mortgages, not just subprime loans. The project comprises six of the biggest mortgage servicers: Countrywide, Wells Fargo, CitiMortgage, Chase Home Finance, Washington Mutual and Bank of America." From Bankrate. URL: http://www.bankrate.com/brm/news/mortgages/20080214_project_lifeline_a1.asp Gas Prices and Saving Gas 20 Tips to Save Money on Gas From the web site “The Bargainist” at http://www.bargainist.com/ URL: http://www.bargainist.com/deals/2007/08/20-tips-to-save-money-on-gas/ AAA Gas Price Finder The AAA Gas Price Finder information is derived from credit card transactions at more than 85,000 outlets around the country as well as direct feeds from individual chains. When you search for gas prices you will find the last price received over the past 7 days for those stations included in the tool. Covers the U.S. and most of Canada. From the California State Automobile Association. URL: http://csaa.kivera.com/csaa/gaspricefinder.jsp Automotive.com Frequently updated prices, searchable by Zip code. Also has information on cars and car pricing. URL: http://www.automotive.com/index.html Fueleconomy.gov The heart of this site is the "Find and Compare Cars" database, with miles-per-gallon numbers for vehicles from 1985 to the present. Includes a gasoline price page with links to national and regional fuel price information, information on vehicle safety ratings and air pollution, gas mileage tips, and material on hybrid and alternative fuel vehicles. Also find the most current model year "Fuel Economy Guide." From the U.S. Environmental Protection Agency. URL: http://www.fueleconomy.gov/
  • 7. The Edmunds Green Car Guide This buying guide features articles on fuel-efficient cars, alternative fuels and new technologies (such as biodiesel, electric, and compressed natural gas), hybrid vehicles, improving gas mileage (covering "hypermilers," who try to beat the EPA average fuel economy ratings), and oil and gas prices. From Edmunds, producers of consumer automotive information. URL: http://www.edmunds.com/fueleconomy/ Fueleconomy.gov The heart of this site is the "Find and Compare Cars" database, with miles-per-gallon numbers for vehicles from 1985 to the present. Includes a gasoline price page with links to national and regional fuel price information, information on vehicle safety ratings and air pollution, gas mileage tips, and material on hybrid and alternative fuel vehicles. Also find the most current model year "Fuel Economy Guide." From the U.S. Environmental Protection Agency. URL: http://www.fueleconomy.gov/ GasBuddy.com GasBuddy.com can help you find cheap gas prices in your city. It is a network of over 180 gas price information web sites that helps you find low gasoline prices. Search for prices by ZIP code. Information is member-supplied. Registration (free) required to post gas prices on most of the gas sites or to create a fuel log for tracking your expenses. Includes tips for conserving gas, links to news stories, and other resources. URL: http://gasbuddy.com/ Gas Price Watch Reporting Form “The Department of Energy is very concerned about the impact of gasoline prices on American families. While we are working to address longer term supply issues, we're also working to make sure American families are being treated fairly. If you believe there may be price-gouging, or price-fixing, please contact your local authorities and fill out the form [provided on the website]." URL: http://gaswatch.energy.gov Motor Trend Gas Prices Searchable by location. Includes a widget that can be downloaded to your web site. http://www.motortrend.com/gas_prices/index.html Wisconsin Destinations You might not have to drive very far! From Travel Wisconsin.com http://www.travelwisconsin.com/destinations_landing.aspx General Tips Demesne A general site for homeowners with various categories, such as home maintenance, lawn and garden, and personal finance. http://www.demesne.info/ Mother Earth News Selections from the current print issue of "the original guide to living wisely," as well as older articles on do-it-yourself projects, building, gardening and farming, animals, sustainable country life, living off the grid, environmental issues, natural health, cooking, and homesteading. Features several message boards. Searchable. URL: http://www.motherearthnews.com/
  • 8. Hints From Heloise The operative word, "hints," on this site covers a multitude of practical, inexpensive, and useful household suggestions and advice. Heloise, author of the internationally popular column, "Hints from Heloise," shares numerous online hints, a short biography, and valuable travel tips. Don't miss the "Tattoo Removal Program" and discussion forum. URL: http://heloise.com/ Joey Green's Wacky Uses This site explores alternative uses of brand-name products, such as using hair conditioner to soften your feet, prevent paint from sticking to your hair, or shine a horse's hooves. Includes a section of product histories and weird facts. Lots of fun mixed with practical suggestions from a former ad copywriter who quit advertising and started experimenting. URL: http://wackyuses.com/ The Dollar Stretcher: Your Weekly Resource for Simple Living A searchable, browsable site, offering a free weekly newsletter dedicated to living better for less. Includes an extensive archive back to 1996 of tips and suggestions supporting the frugal, cost- conscious lifestyle. Many tips are reader-contributed, but all are reviewed by site staff. URL: http://www.stretcher.com/ Consumer World The most comprehensive directory of consumer products and information on the Web. Not annotated. Over 2000 resources: check an airfare, find an ATM machine, file a consumer complaint with a state agency, read hundreds of consumer booklets, find a low rate credit card or mortgage, look up the wholesale price of a car, locate a Better Business Bureau, find a toll-free number, contact a company's customer service department, comparison shop for bargains, check stock quotes or CD rates, or read a movie review. Created by Edgar Dworsky, noted consumer advocate. URL: http://www.consumerworld.org/ Government Information and Assistance GovBenefits.gov The official benefits website of the U.S. government, with information on over 1,000 benefit and assistance programs. Representative categories include veterans, disaster victims, farmers, ranchers, students, seniors, unemployed, home owners, health professionals, and widows. This site is that rare and beautiful bird, a partnership of many Federal agencies and organizations. URL: http://www.govbenefits.gov GovLoans.gov GovLoans.gov is a gateway to government loan information. It directs you to the loan information that best meets your needs. Various agencies have loan programs represented on this site. URL: http://www.govloans.gov Grants.gov Grants.gov is a central storehouse for information on over 1,000 grant programs and provides access to approximately $400 billion in annual awards. There are many groups of organizations that are eligible to apply for government grants. PLEASE NOTE: For personal financial assistance such as Social Security/Supplemental Security Income, Medicaid or State Social Services, go to www.GovBenefits.gov. This type of individual assistance is not available on this website. For student loans, please go to www.Studentaid.ed.govFor small business loans, visit the Small Business Administration at www.sba.gov URL: http://grants.gov/ Student Aid on the Web Free information from the U.S. Department of Education on preparing for and funding education beyond high school URL: www.Studentaid.ed.gov
  • 9. Waukesha County Financial Assistance URL: http://www.waukeshacounty.gov/page.aspx?SetupMetaId=190&id=296 Department of Health and Human Services For assistance with health care, special needs, aging, and other issues. URL: http://www.waukeshacounty.gov/page.aspx?SetupMetaId=176&id=86 Home Buying and Selling Homefair.com Planning on moving? Take a look here for anything related, including insurance comparisons, city snapshots, crime rate comparisons, where to live, and more. Contains many charts and links to moving and financial calculators. Works best with Internet Explorer. URL: http://www.homefair.com Nolo’s Real Estate Tips for Home Buyers This blog written by lawyers and others offers tips and comments on the “latest, greatest ways to find the best possible house at the best price. And if we see anything wacky or outrageous going on, we'll give you a heads up on that, too." Topics include loans, changing real estate values, and remodeling. Includes links to related sites. From Nolo, a California publisher of legal self-help books. URL: http://blogs.nolo.com/realestate/ MSN Real Estate This site offers information on buying a home, selling a home, finding an apartment, home insurance, mortgages, home loans, and home improvement. URL: http://realestate.msn.com/ Amortization Calculator An extremely simple, straightforward calculator. URL: http://www.bretwhissel.net/amortization/amortize.html Amortization Schedule Calculator From Bankrate.com. Calculate your montly mortgage payment. http://www.bankrate.com/brm/amortization-calculator.asp MovingHints.com Advice on how to move a household successfully. Features brief information about choosing a mover, packing, saving money, and temporary storage. Also includes information about changing utilities and related services, shipping vehicles, and a list of terms associated with moving. URL: http://www.movinghints.com Household Organization Organized Home Packed with useful tips, tools, and strategies, this site offers a variety of ways to save time and money in the home environment. Topics include “Clean house,” “Cut clutter,” and “Seasonal spin.” URL: http://organizedhome.com/ Household Organization Links to forms and information for a variety of topics. URL: http://www.ourfamilyplace.com/homeorg.html
  • 10. Housing Solutions Acorn Housing This nonprofit with offices throughout the U.S. provides free housing counseling to low and moderate income homebuyers. Its site features information about obtaining credit for buying a home, predatory lending practices, and options when you are behind on your mortgage. Includes a list of local offices. URL: http://acornhousing.org/ NeighborWorks America Website for the national nonprofit organization created by Congress to provide financial support, technical assistance, and training for community-based revitalization efforts. Features news, case studies, and reports on subjects such as aging in place, disaster preparedness, foreclosure solutions, home equity protection, manufactured housing, predatory lending, and refinancing. Also includes materials about campaigns, such as its free telephone consultation service on foreclosure solutions. Includes listings of local NeighborWorks member organizations. URL: http://www.nw.org/ Home Loan Learning Center This site provides step-by-step information on how to become financially literate with respect to home loans. Includes material about credit scores, how to qualify for a mortgage, types of mortgages (fixed- rate, balloon, adjustable-rate, convertible, and more), and foreclosure and delinquency, Also includes a mortgage calculator to help estimate payments, and information for special situations, such as living together, divorced, or second home purchases. Includes list of state banking authorities. From the Mortgage Bankers Association. URL: http://www.homeloanlearningcenter.com/ ForSaleByOwner.com Database of homes for sale by owner (without a real estate agent) in the United States. Search for a home, or list your property. Also has information on local schools, price comparisons, loans, and tips on home buying. URL: http://www.forsalebyowner.com/ Home Buyers: Beware of "Flipping" Scams This brochure alerts potential home buyers how to watch for house "flipping" scams in which a flipper buys a house cheap and then sells to it an unsuspecting buyer for a price that far exceeds its real value. The flipper entices the buyer into purchasing by promising to arrange a home loan. Includes a list of questions to ask the seller. Opens directly into a PDF document. From the Maryland Office of the Attorney General. URL: http://www.oag.state.md.us/Consumer/flipbrochure.pdf (Directed to Maryland residents, but has useful information for anyone. PS) How to Find a Good… Angie’s List Angie's List is a growing collection of homeowners' real-life experiences with local service companies. Members submit reports about the companies they've hired. They describe their project (including the cost), and grade the company's response time, prices and quality of work - good or bad. URL: http://www.angieslist.com Better Business Bureau This is the home page of the Wisconsin Better Business Bureau. After checking out a company, you may link to “Need a Product or Service?” and contact a particular company. URL: http://wisconsin.bbb.org/WWWRoot/SitePage.aspx?site=28&id=e808253a-d5ae-4f0c-be9c- a47c3bf66f5a
  • 11. Insurance Council for Affordable Health Insurance (CAHI) CAHI is a research and advocacy association of insurance carriers active in the individual, small group, Medical Savings Accounts, and senior markets. Membership includes insurance companies, small businesses, providers, nonprofit associations, actuaries, insurance brokers and individuals. Site includes current industry news, publications and reports, consumer information, and a glossary of insurance terms. URL: http://www.cahi.org/index.asp Recreation Thrifty Fun This is an interactive Web site where you can post questions and contribute answers to others who are trying to have fun while saving money. Frugality is the theme reflected in the recipes, crafts for children, creative projects using castoff materials, and general hints for consumers. Free registration is required to post messages or comments. URL: http://www.thriftyfun.com Phyllis Shepherd Waukesha Public Library 8/14/2008

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