Material Monster

Widely considered one of the greatest, if not the greatest, show in television history, I Love Lucy signaled the ascendance of the prime time TV era. The brainchild of Lucille Ball and Desi Arnaz, I Love Lucy revolutionized the television industry with its extensive use of a live audience and the employment of multiple camera angles. The result of true comic genius, the show’s ability to entertain is just as relevant today as it was fifty years ago…

The I Love Lucy DVD offers a number of hilarious episodes including the series premiere “The Girls Want To Go To The Nightclub” in which Ethel seeks to celebrate her 18th Anniversary with a trip to the Copacabana, while Fred wants to go to the fights. When it’s agreed that the girls will go to the club while the boys go to the fight, Fred and Ricky decide to spy on the girls so they call up a friend to get some dates for the club. But Lucy and Ethel have already talked to the same friend, and they decide to pose as Fred and Ricky’s dates… Other notable episodes from Season 1 include “The Quiz Show” in which Lucy seeks to make some extra money by pulling off a fake stunt, and “Drafted” in which Lucy and Ethel mistakenly believe that Ricky and Fred have been drafted into the Army…

The following is the I Love Lucy (Season 1) DVD episode guide:

Episode 1 (The Girls Want to Go to the Nightclub): Air Date: 10-15-1951
Episode 2 (Be a Pal): Air Date: 10-22-1951
Episode 3 (The Diet): Air Date: 10-29-1951
Episode 4 (Lucy Thinks Ricky is Trying to Murder Her): Air Date: 11-05-1951
Episode 5 (The Quiz Show): Air Date: 11-12-1951
Episode 6 (The Audition): Air Date: 11-19-1951
Episode 7 (The Seance): Air Date: 11-26-1951
Episode 8 (Men are Messy): Air Date: 12-03-1951
Episode 9 (Drafted): Air Date: 12-10-1951
Episode 10 (The Fur Coat): Air Date: 12-17-1951
Episode 11 (Lucy is Jealous of Girl Singer): Air Date: 12-24-1951
Episode 12 (The Adagio): Air Date: 12-31-1951
Episode 13 (The Benefit): Air Date: 01-07-1952
Episode 14 (The Amateur Hour): Air Date: 01-14-1952
Episode 15 (Lucy Plays Cupid): Air Date: 01-21-1952
Episode 16 (Lucy Fakes Illness): Air Date: 01-28-1952
Episode 17 (Lucy Writes a Play): Air Date: 02-04-1952
Episode 18 (Breaking the Lease): Air Date: 02-11-1952
Episode 19 (The Ballet): Air Date: 02-18-1952
Episode 20 (The Young Fans): Air Date: 02-25-1952
Episode 21 (New Neighbors): Air Date: 03-03-1952
Episode 22 (Fred and Ethel Fight): Air Date: 03-10-1952
Episode 23 (The Moustache): Air Date: 03-17-1952
Episode 24 (The Gossip): Air Date: 03-24-1952
Episode 25 (Pioneer Woman): Air Date: 03-31-1952
Episode 26 (The Marriage License): Air Date: 04-07-1952
Episode 27 (The Kleptomaniac): Air Date: 04-14-1952
Episode 28 (Cuban Pals): Air Date: 04-21-1952
Episode 29 (The Freezer): Air Date: 04-28-1952
Episode 30 (Lucy Does a TV Commercial): Air Date: 05-05-1952
Episode 31 (The Publicity Agent): Air Date: 05-12-1952
Episode 32 (Lucy Gets Ricky on the Radio): Air Date: 05-19-1952
Episode 33 (Lucy’s Schedule): Air Date: 05-26-1952
Episode 34 (Ricky Thinks He is Going Bald): Air Date: 06-02-1952
Episode 35 (Ricky Asks for a Raise): Air Date: 06-09-1952

About the Author

Britt Gillette is author of The DVD Report, a blog where you can find more reviews like this one of the I Love Lucy (DVD).

Bad Credit Home Loans are ideal for individuals who have had credit problems in the past, but that need a loan for a new home purchase, mortgage refinance, debt consolidation loan or a home equity loan. If you do not qualify for a bank loan or a subprime loan, you may still qualify for a private loan — also known as a hard money loan or bad credit loan. Typically, you will need at least 25% equity in a property to use as collateral in order to qualify for a bad credit home loan. Your real estate collateral allows a private lender to feel less risk about making a bad credit home loan with your low fico score and/or bad credit. Without this equity, hard money lenders will not take on this loan because of the risk that the borrower will default on the loan.

Bad credit home loans are a good fit for anyone who has income and equity to secure a loan, but not the credit score to convince a bank to give them a loan. For these people, you may need to go with a private bad credit home loan lender for a 12 to 18 months period. The goal for any borrower at the end of this period should be to move into a subprime or conforming loan.

Bad Credit Personal Loans vary only slightly from bad credit home loans. A bad credit personal loan is typically $50,000 or less and is used by an individual to help pay off credit card debt, home equity lines of credit or any number of additional financial encumbrances. Bad credit lenders will require collateral for a bad credit personal loan - either real estate or other liquid assets. The loan rate and terms for a bad credit personal loan will vary and you should allows speak with a bad credit lender to learn about their programs and rates.

Corey Senn is a Senior Partner with Bad Credit Lender, a California based private lender that specializes in hard money loans and bad credit loans. Located in La Jolla, California, Bad Credit Lender provides competitive private California bad credit home loans, bad credit home loans, and bridge loans. In addition, Corey is one of the main contributors to the California Home Mortgage Loan web blog.

It is not that difficult to get an auto loan online, but you must educate yourself. Getting the best auto loan begins with doing research. Today’s consumer is very well informed when looking for vehicle or loan online. So you will do yourself a big favor if you take the time to arm yourself with all the information you can gather.

There are a few good tips on getting an auto loan online and here they are: Try not to go back and forth with the salesperson regarding payments, down payment type of equipment and interest rates. Companies like Capital One Auto Finance and RoadLoans make it possible for you to be pre-approved online for an auto loan within minutes. Giving you more control with the purchasing process will save you time and money.

Go online and research auto loan rates, just point and click your mouse and in no time flat you will have the necessary information you will need to obtain a great interest rate on an auto loan.

When you get an online auto loan it can help you avoid hidden finance charges that are not always explained when you buy a car from a dealership. You should always read everything before signing for an auto loan. But, if you shop and buy online you will know all the details before you buy that new car.

Before getting an auto loan online look up your credit score and save time comparing rates. Get an idea of your credit score, known as FICO. If you have a credit score under 600, you probably will not get a good interest rate. Having a credit score over 660 will get you a much better rate on your auto loan. If you know your credit score before negotiating a loan it will help you get the best one for your situation.

Matthew Henderson is editor at Auto-Fleet.com. Stop by for a huge selection of auto information. Online auto loan, auto extended warranty, vehicle history report, online traffic school, improving your credit, drivers education, auto insurance information and much more!

A car loans after a bankruptcy is one way to help build back your credit history. In fact, once your bankruptcy closes, you can apply for a car loan the next day. To get approved with the best rates for your car loan, follow these tips.

Review Your Credit Report

Before you start applying for a car loan, check out your credit report and make sure all your accounts are in order. It is not uncommon after a bankruptcy to see open accounts that should be closed, which hurt your credit rating.

While looking at your credit report, consider adding a page explaining the situation that resulted in your bankruptcy. If there were extenuating circumstances, lenders may approve you for a better rate than under normal conditions.

Plan Your Car Purchase

Before purchasing a vehicle, decide what you can afford in a monthly car loan payment. This will help you decide which financing package is best for you. Both the loan amount and length of payments will determine your monthly payments, so there is flexibility in determining which vehicle you can afford to purchase.

Use A Car Loan Lender

Car loan lenders make their money by finding you a loan. Car loan lenders work with several financing partners to back loans with all types of credit risk, including bankruptcies.

Online car loan lenders deal with thousands of loans, and can usually find you a better deal than your local car dealerships. Online car loan lenders will send you a check when you are approved, basically making you a pre-approved car loan buyer.

Explain Your Situation

Car loan applications will ask if you have ever declared bankruptcy and why. This is your chance to explain what led up to the situation and what steps you have taken to resolve your credit situation. Be sure to include improvements in your financial history too.

Consider Refinancing

Once you are approved for a car loan, keep your eye on future refinancing. By making regular payments on all your bills, in a year’s time you could qualify for significantly lower interest rates. In three years, you can build your credit score to near excellent and qualify for even lower rates.

To view our list of recommended auto loan companies online, visit this page:
Recommended Auto Loan
Companies Online.

Carrie Reeder is the owner of
ABC Loan Guide, an informational
website about various types of loans.

Analyze to see if the bank who is tending to give you a credit loan is right. You should be sassy today to examine if you have a bargain or if you don’t with the merchant bank that offers you a money loan.

The Dutch translation says: Woon je in Druten of Voorst en heb je BKR codering. Lenen met zonder BKR registratie is nog nooit zo eenvoudig geweest. Koop een nieuwe woning met zonder bkr registratie lenen, 282996 euro is altijd mogelijk om te financieren. Van Nieuwerkerk aan den IJssel tot Dalfsen, geld lenen met zonder BKR is hier geen enkel probleem.

It makes no difference if you live in Bellingham Washington or in Mobile Alabama a secure online inspection will allay you often a lot of problems. Lots of of the banks wil show you a loan rate that is looking honorable but doesn’t feel advantageously or so after a period of time. A moneylender in Meridian Mississippi or so may have a total completely different actual interest rate for a 12500 dollar credit loan then a bank in Buffalo New York and that makes a huge clear difference in your monthly pay offs. 18.9 percent rate of interest may come along so upright but will it stay invariant after you’re going to pay for your bank loan. now you really need to check up on and cipher if you can have a bank loan at a serious percent rate. Now you can suss out rates quickly at websites and visit if there are other sneaky conditions you should be aware of.

Buying womens lingerie is undeniably 1 of the most difficult jobs to try. If you don?t get hold of the correct info or have some experience acquiring lingerie for women, it may be utterly taxing & bewildering. Essentially there is an exceptionally broad group of ladies lingerie products to go for, with varying varieties, styles, colours & sizes & second, you would have to get through plenty of hassle & discomforting instances when trying to weigh-up each and every lingerie item that takes your liking. Last of all, if you don’t get the right tuition in getting lingerie, especially for example designer lingerie, its incredibly understandable that you may perhaps spend too much for one single lingerie item that possibly would not look good on them. Find affordable, gorgeous and stylish french knickers from designers such as Simone Perele, State of Undress, Kalita, Sielei, Mimi Holliday and Sista Shei.

As a result, before you go rushing off to your nearest women’s lingerie retail shop here are numerous tremendously worth while info that would in fact make shopping for seductive lingerie significantly more straightforward.

It is vital to make sure that you write down their body form and lingerie size prior to going to the stores. The most appropriate means to identify what the best products are is to study their body form in order to know what particular type of lingerie would help to emphasise the beautiful parts of their body and keep everybody’s eyes away from those sections of theirs body that make them feel nervous.

There are normally three different lingerie sizes: thin, medium and size plus. The lingerie size that would suit a specific person is down to their body form. Their body size would also help determine the specific range of seductive lingerie that would be wonderful for them, for example a garter set for an individual who has slender, narrow hips & small breasts alternatively a halter bra for a person who has trouble with petite breasts.

It is always essential to know ahead of going to the stores the particular spots of their body that they would like to be improved or emphasised with a specific womens lingerie product. For instance push-up pads for the corsets or bra would help somebody who wants their bosom to appear significantly larger, whereas a person with a pair of lovely long legs would look dazzling with long stockings.

Make sure that malware doesn’t take over your computer. Most computers are not protected and are at risk everyday. Issues happen when people go online and are attacked by malware and have no idea how to protect themselves. Keyloggers usually show what applications were used on the controlled computer what sites a child visited and what he actually wrote to his online pals.

Keylogger software often comes as the only solution for the parents with children who have the opportunity to access the Internet on a regular basis. Parents should know what happens with their children and try to prevent the possible danger. And the Internet, regrettably, carries a lot of danger with it, so keylogging software may really help to notice the problem long before it actually comes to life. Data loggers, key loggers and Network Security Officer Guidebook are just a few vices which harvest info from your computer. Some people mistakenly assume that anti-virus software protects them from keyloggers and Spyware. That is why every computer owner who’s worried about Network Security Officer Guidebook needs Winclear.

Online Privacy With Delete Internet History: Network Security Officer Guidebook. Until you remove the malicious software from your computer, your account is still vulnerable. Your email account has also been compromised so it is important that you change the password for your account after your computer is cleaned. If the malicious software is still on your computer, someone is able to read your emails, delete your emails or send emails from your account. Winclear is the only software which is capable of removing keylogger programs. Cookies are necessary to run an Internet browser. Winclear has been the industry leader in fighting keyloggers and Network Security Officer Guidebook for the last 8 years.

Free software requires less attention and needs a minute to configure. That is the reason why you need Winclear installed onto your computer, is to Network Security Officer Guidebook. Minority SMBs and entrepreneurs that don’t have an IT department or somebody’s son/ daughter is your IT department then they will have some form of anti-spyware to keep computers free of spyware and running at the speed/reliability it was intended. Find out more about Network Security Officer Guidebook. Protect your computer security by using Winclear!

Some say that the automobile industry saved the economy during the last recession. This is because auto sales are bundled into retail sales, which allowed higher numbers than actual to be reported. Many will say that what is good for General Motors is good for America, they might even cite the fact that the automobile industry saved the economy at the bottom of the last recession.

Remember when Mitsubishi did the Zero-Zero-Zero plan. This was a calculated risk and were betting on the election year gold rush to help pay for any of the fall-out in loans? Well that never came because the US interest rates stayed down, job recovery came late and Domestics along with those other foreign automobile companies did quite well. So what is happening now due to this decision to go 0-0-0, well many of those loans have gone South, and the Yen is high against the dollar and now Mitsubishi is about 2 billion in the hole at last count. The Mitsubishi bail-out cost at least $1.9 billion US Dollars. Many auto industry economic advisors had mixed opinions on this, but for the most part thought the plan for zero-zero-zero was foolish. Zero money down, Zero interest rates and zero payments until next year. This was in 2002 and today 45% of those cars have either been turned back in, repo’ed, sold at auction or are in default. All good things, which are not reality based do come to an end. Many knew there was going to be a problem as the sales winded down and we were being strung out on our payments from a few dealerships out there.

Triple zero was not a win/win for the consumer, their credit or the company. Many of those vehicles were bought by first time buyers who never even made the first payment which started many months later, yet had put over 15,000 miles on those cars and reduced its value by over 65%, ouch, that is a nightmare from a banker perspective. No wonder Corporate America wanted bankruptcy reform, even though such a reckless lending of credit was a completely foolish business move.

American consumers today are upside down in their high priced SUVs, they owe more than they are worth and those who bought gas-guzzlers in 2002 are still paying on vehicles, which are not running very well today. Most had paid sticker price or near to get the zero-zero and still others got a rebate, which was used for a down payment to make the deal. I met a gentleman who filled up his beautiful Suburban the other day. His total came to $97.00 and he was pretty depressed, I actually thought he was going to cry. We got to talking about his beautiful Venti sized SUV and he told me it cost $48,000 and had all the bells and whistles. I was impressed and asked him what he did for a living. He works for the local city and said he was able to afford it due to the zero zero program and he wanted to sell it now due to fuel costs as he is divorced and now single. He is thinking something more economical might be a better plan? Perhaps a hybrid? I guess I understand what he is saying. He explained he could not sell the vehicle because he still owes $39,440 on it and it is only worth $18,000 now. What a nice guy with a disaster of a brain for a financial planner, but alas he is not so much worse off than you, is he. Sixteen point nine million

Americans bought new automobiles on the zero zero plan. Perhaps they did not plan on this; the $3.00 per gallon gas prices. Are you one of them? How does that make you feel? Think about it.

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You can use a personal loan for many different things including, but not limited to, paying off bills, taking a vacation, buying a car and much more. Interest rates on a personal loan will vary, depending on your credit rating and the institution you are choosing to get your personal loan from. It is highly recommended that you get multiple quotes and rates before making a final decision on your loan. This way you will know if you are getting the best deal possible.

Take the time to compare rates and save money. Even if a lender is offering you better rates than the competition, find out how much money that would save you. Ask about all of the fees associated with the loan. Some lenders hide their fees and make money off of innocent people who don’t think about asking.

There is some valuable information you should know about Fair Debt Collection laws. The more you know about loans and lenders, the better consumer you will be.

If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a “debtor.” If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a “debt collector.”

You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe.

This brochure answers commonly asked questions about your rights under the Fair Debt Collection Practices Act.

What debts are covered?

Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.

Who is a debt collector?

A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.

How may a debt collector contact you?

A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.

Can you stop a debt collector from contacting you?

You can stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.

May a debt collector contact anyone else about your debt?

If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.

What must the debt collector tell you about the debt?

Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.

May a debt collector continue to contact you if you believe you do not owe money?

A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.

What types of debt collection practices are prohibited?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact.
For example, debt collectors may not:

use threats of violence or harm;

publish a list of consumers who refuse to pay their debts (except to a credit bureau);

use obscene or profane language; or

repeatedly use the telephone to annoy someone.

False statements. Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

falsely imply that they are attorneys or government representatives;

falsely imply that you have committed a crime;

falsely represent that they operate or work for a credit bureau;

misrepresent the amount of your debt;

indicate that papers being sent to you are legal forms when they are not; or

indicate that papers being sent to you are not legal forms when they are.

Debt collectors also may not state that:

you will be arrested if you do not pay your debt;

they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or

actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.

Debt collectors may not:

give false credit information about you to anyone, including a credit bureau;

send you anything that looks like an official document from a court or government agency when it is not; or

use a false name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:

collect any amount greater than your debt, unless your state law permits such a charge;

deposit a post-dated check prematurely;

use deception to make you accept collect calls or pay for telegrams;

take or threaten to take your property unless this can be done legally; or

contact you by postcard.

What control do you have over payment of debts?
If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.

What can you do if you believe a debt collector violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney’s fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever is less.

Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General’s office can help you determine your rights.

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So you have never taken out a loan? You don’t have a credit card and you don’t have a mortgage? You always pay cash? You’re a student, a recent widow, a divorcee or from an ethnic minority group who have a tendency not to have any lines of credit? If you are any of the above then your credit score will not necessarily reflect your ability to pay as you have little or no credit history whatsoever. This will make it difficult to obtain any form of loan and in these circumstances you may have to take out a bad credit loan.

How prevalent is this?

Fair Isaac estimate that 50 million consumers do not have enough credit information on file to generate a credit score. This means that they are being turned away by lenders for things such as a personal loan.

Why does this happen?

Lenders will conduct a credit check. As there is little or no historic data available to measure the risk in loaning the individual money they will not meet their credit score criteria. More and more often, such consumers have to take out a bad credit loan to finance any large ticket purchases like cars as their credit score limits their financing options.

Is this fair?

It seems ludicrous that this is the case, but you have to look at it from the perspective of the lender. If someone walks into your bank or applies online to a lender for a loan, and their credit score is so low or does not exist, the automatic decision you would make is to reject the client. They appear to be too much of a risk.

Establish your credit history

The only way to remedy this is to start establishing a credit history. There are many specialist lenders who offer bad credit loans and bad credit car loans. They accept clients with little or no credit history far more readily. The bad credit loan will have higher interest rates than a standard consumer loan, but if clients make sure they pay on time and in full this will improve their credit score dramatically. They should just make sure that the lender does file credit reports, as not all of them do! In time, a credit score will be established and they can move on to apply for loans with much more favourable interest rates.

Peter Siu is a successful freelance writer providing valuable advice for consumers when applying online for credit cards, student credit cards as well as other personal & mortgage loans. You can visit his sites at http://www.uscreditcenter.net and http://www.ukcreditcentre.com - His numerous articles offer moneysaving tips on a number of topics.