Word: credit-card
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...Miller, 47, lives in California wine country and is on her fourth RV in five years. "I tell my husband, 'This is the last one,' and then we see something nicer," she says. The Millers aren't crazy about their $190 fuel fill-ups--after the first, the credit-card company called to see whether their card had been stolen--but they like their RV's cruising range of 700 miles...
...master list. This is an inventory of the people and institutions with whom you do business: your credit-card companies (with their phone numbers and your card numbers), mortgage servicer, broker, insurance companies, accountant and attorney. One quick, low-stress way to compile a serviceable list is to put into a folder all the bills and financial statements that you receive within a month or two. Then you will have to dig up only a few missing elements, like the life-insurance statements that come sporadically. You can transcribe the names and numbers later; in the meantime, keep the folder...
...keeping faith in its free, help-yourself-to-a-bike scheme: despite having lost hundreds to thieves and vandals last summer, 1,000 cycles will be back on the streets this May. This time, you can borrow one of the Vienna Citybikes free for one hour, using a credit-card swipe as a deposit. CARS First it crawls through your commute, then it lounges expensively for, on average, 22 hours a day. What are you paying for? Well, you don't need to own a car to enjoy one. An estimated 100,000 Europeans - mainly in Germany, Switzerland, Austria...
...computer searches. But because there are more opportunities for fraud, shoppers need to take special precautions. First, make sure you buy from a site that offers a money-back guarantee so that you can return anything you don't like. Second, do your research before you type in your credit-card number. The Jewelers Vigilante Committee jvclegal.org is a good place to start; it offers a buyer's checklist and links to buying tips for diamonds, pearls, gold, silver and other precious gems...
Throughout the '90s, data mining spread from one industry to the next, enabling companies to know more about customers' needs and to zero in on the characteristics that distinguish the customers they want from those they do not. A credit-card company using a system designed by Teradata, a division of NCR, found that customers who fill out applications in pencil rather than pen are more likely to default. A major hotel chain discovered that guests who opted for X-rated flicks spent more money and were less likely to make demands on the hotel staff, according to privacy consultant...