#280 BBB 03-25-10 Month

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(150'1) 855-0'911 ; (205)758.8610
STONE CO ENTERPRISE
WIGG'NS, 1.15
Cwculation = 2881
WEEKLY
0211012010
1!11I!'1I1!11I1U11I1:IIIII'11111
BBB Issues Warning about Bank Card Fee Increases

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The Better Business legiSlation was passed so interest rate hikes affect compaoies might be offer
Bureau (BBB) Sening long ago that most con, on:y cllstOlners who carry a ing better deals (such as
)iississippi warns COIl sumers have forgotten the balance, some cllstonlers low introductory rates)
sumers that banks are increases are coming." in good standing ha"e seen tbat will give the holder a
increasing credit card rates SC'dmmers are using this their rates increase as well. less expensive way to pay
and fees nexi montb, an as an opportunity to steal Anyone who belie,es their down debt. Shopping
action many consumers personal information and rate was increased by mis around often pays off.
bave forgotten about use it to commit fraud later take should contact their Manage credit responsibly,
because it was approved on. The typical scam proce credit card company. There According to banks, most
eight months ago. While dure reported to the BBB is evidence that credit card rate bikes affect people
consumers can shop by consumers is that they companies might be willing who maintain balances on
around for a better rate, receive calls from organiza to negotiate rates in order their card or have rates
there may be little they can tions promising lower to keep cardholders as cus that are too low for the
do about the increases credit card interest rates. tomers market. Tberefore, one of
other tban be aware of To accomplish this. the Payoff the account. If the the best ways to avoid a
them. Consumers need to callers sal' they need per cardholder doesn't want to sudden interest rate hike is
especially guard against sonal information: such accept the new rate, they to use credit cards respon
scammers using these sodal security and bank can chuose to keep their sibly (which includes pay
increases as an opportunity account numbers, current Tate and payoff ing bills on time and not
to steal personal informa The BBB ollers the fol their outstanding balance. carrying a halance).
tion from indi,iduals look lowing ad,ice that con as long as they don't make they should contact their
, ing for better rates. sumers ",an take both any new purchases. If anY' financial institution direct
"Many hanks are chang sbort-term and longer neW purchases are made, ly to discuss and negotiate
ing interest rates and fees range to help tbem obtain the higber rate "ill be a lower rate.
before a new set oflaws lower Tates: enforced.
designed to protect con Contact your credit card Find a better deal else
sumers will go into effect company. While most where, Other credit card
in February." explains Bill ------------- ,,-~--
:'loak, President/CEO of I-I

the ~Iississippi BBB. "This I
I
MAGNOLIA
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(601) 856-0 911 I (205) 758-8610
SUN-HERALD
BILO XI, MS
Circulation = 56643
MAGNOLIA
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MISSISSIPPI PRESS
PASCA GOULA, MS
Circulation = 21038
DAilY
02/06/2010
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SUN -HERALD
BILO XI, MS
Circulation = 56643
DAIL Y
02/14/2010
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IGHER CD YIELDS!
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14116 Customs Blvd., Ste 113' GulfPort. MS 3<)503

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(601) 856-0911 I (205) 758-8610
SUN-HERALD
BILOXI , MS
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SU N-HERALD
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HERNANDO, MS
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STONE CO ENTERPRISE
WIGGINS. MS
Circulation =2881
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Coastal ENT Associates

~ LargestAudioiogy practice on the Coast ·
- HEARINGAIDS
d yO . Comprehensive Ear Evaluation
by ENT physician
• 100% digital technology
• Basic throughAdvanced circuity
• High Frequency (OTE) Over
the Ear hearing aid
• 30 day trial period! I yearwarrantyl
free cleaning
Repairs on aIt makes/models
Dr_ Jason Smith, M.D.
Dr. Sam Robinson, M.D.
228-863-6592
Jason V_ Smith, M.D_~ FACS

':
Certified American Board of
-Otoia.ryngology .
• Special intl!rest insurgical
and medical diseases of the car
.- ~ Surgically impl~ntablc
; h~aring devices
,__. :Surgical hearing restoration

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(601) 856-0911 I (205) 758-8610

SOUTHERN REPORTER
SARDIS, MS
CI rculation = 2134
WEEKLY
02!11/2010
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WHY WA.IT WEEKS FOR YOUR TAX REFUND?
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BBB. SENATOBIA
East ofl-SS beWnd Neid to Caldwell ! MeBCbam Ina.
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&11,1\ EftB1 Lee S1reet Senatobia, flitS 38668
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(601) 856·0911 I (205) 758·8610
SUN -HERALD
BILO XI, MS
Circul ation ~ 56643

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MAGNOLIA
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(60 1) 856· 0911 J (205) 758·8610
ST ONE CO ENTERPRISE
WIGGINS, MS
Circulation =288 1
WEE Kl Y
02/11/2010
IIII 1!!l11111111111111 111 1111 11111 III
~~oastal ENT Associates
1 1 ~ I Largest Audiology practice on the Coast

BBB HEARING AIDS
• Comprehensive Ear Evaluation
by ENT physician

. • Basic through Advanced circuity
• High Frequency (aTE) Over the Ear
hearing aid '
• 30 day trial period! 1 year warranty/
free cleaning
Repairs on all makes/models
Dr. Jason Smith, M.D.
Dr. Sam Robinson; M.D.
228-863-6592
MAGNOLIA
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(601) 856-0911 I (205) 758-86 10
SUN-HERALD
BILO XI, MS
Circula110n = 5664 3
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Audiology practice on the Coast

. HEARING AIDS
V, SMITH M.D., F.A.C.S.

SAMUEL P_ ROBINSON, M.D. .
C OASTAL . ENT
HEARING AIDS
THE HEARING AND
BALANCE CENTER
Doctors of Audiology
Director
KAREN SLATER- MILLER~ Au_D.
MISSY RO U ~AVILLE _ Au. D.
AMANDA H. GUILLOTT E. /W. D.
CHAR LENE TAYLOR. Au. D.
JaSCl_n Smith, M.D. • Sam Robinson, M.D.

13th Sl Gulfport, MS 39501
228-863-6592
MAGNOLIA
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(601) 856-0911 I (205) 758-8610
SUN-HE~ALD
BILOXI, MS
Circulation = 56643
DAilY
02f10f2010
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3. 75~.' CD
FIRST FIDELITY
F inanCial Group of The Gulf Coast
.~
Baa.
..
Your Safe lvioney Solution·
Ask about our higher yielding tax-deferred products

--
~
14116 Customs Blvd., Ste113· Gulfport, MS 39503

(228) 822-4717 • Office Hours: Mon-Fri 9 a.m. - 4 p.m.
f Irst FIdelity IS a financ ial ~ernc~, firm that locates FDIC Insured banks affermS the highest CD yields nah,onwldc
'\11Jlimum deposits lIIay appt); rlue aad depoSit subj ect 10 3\ aibbll il)" subject II) change \~ ll.houl "Nice; penalty for
(arty wllhdrnwal: CDs are Fm C insUTed (0 $250,000 pel illSl;\Ullon, actu al bank rat e may ~ lowtl' than advertl,sed
mit I\.IlY dilfere nce in rate "ill be pro~'ded bey 11K local Fm;l Fidelity offi re as.!. Promolion~f'1ncemlve First Fidelity
J In~llc l~1 Group is nota selle (II federal!y IIlsurw fillalK'lill Hl$I;I\ItIOll, alld IS nOi affilia ted wilt! Flrs\ fidehlY B.:mk.
rtf:;.l Flde:i!)' T..-wl. Of Ftrst FIdelity Savings & Loall Insurance produCIS. Including fuffi. annUtlttS, afCnot
~uaran ( ~ffi. by any bank. federol agelll:y. Of Ihe fDrC 02009 flT""$t fidel ity Fi.llar.ciai Group. llC Rev. 6.09
MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (2051758·8610
SUN-HERALD
BILOXI , MS
Circulation = 56643
DAILY
02/15/2010
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MAGNOLIA
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OXFORD EAGLE
OXFORD, MS
Circulation =5032
DAILY
02111/2010
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King's Touch
-
Therapy
1295 0 North Lamar

) ~o 662-281-0447
BY APPOINTMENT ONLY
Therape utic hand & foot wax
with a 90-minute massage gift certificate,
~ 't't .$ 80.00. Can mall o r delive r. ~.
a li i SHARON KING, LMT 651

---
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MAGNOLIA
CUPPING SERVICE

(601) 856-0911 I (205) 758-8610
SUN-HERALD
BILOXI, MS
CirculatIOn =5664 3
DAILY
02/15/2010
11\1\11111111\11111\11\111\1 1111\ I\11
.&.&..1.&, CD YIELDS
3.75~.CD
FIRST FIDELITY
Financial Group of The Gulf Coast
Your Safe Money Solution C>
Ask about our higher Yle ldmg tax-deferred products
14116 Customs Blvd., Ste 113· Gulfport,MS 39503

(228) 822-4717 • Office Hours: Mon-Fri 9 a.1n. - 4 p.m.
MAGNOLIA
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(601) 8~6 · 0~11 ; ellS; f S8·8610

SUN ·HERI\l.n
BILO XI I'JlS
Circuldilf'n . ~ GG'l l
DA II I
02i 17i2010
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MAGNOLIA
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(601) 856·0911 ( (205) 758·8610

ENTERPRISE-TOCSIN
INDIANOLA, MS
Circulation = 6081
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0211112010
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Be Front-end Alignment
for FREE! A$50 Valuel

SPECIAL
THRU March 31
Oil Change SpeciaL ....$21.95 up to 5 Quarts

$40 off Custom Dual Exhaust with this ad
Free Brake Inspection
Come see us for all your other
car and truck needs!
Does your cor need an alignment? Does Ibe steering wheel vibrate or
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Does your vehicie pull to the right or driving straight ahead/
leh? Accredited b.~ the BBB Association
PATE'S MUF¥(ER1:fiRE:'
308 Highway 82 W. • Indianola " 887·1195 (Next to 82 Outlet)

MAGNOLIA
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COMMERCIAL APPEAL
MEMPHIS, TN
Circulation =236625
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SUN-HERALD
BILOXI , MS
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MAGNOLIA
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SUN -HERALD
BILOXI, MS
Circulation::: 56643
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IVIAlil~ ULIA
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(601) 856·0911 I (205) 758·861 0
MISSISSIPPI PRESS
PA SCAGOULA, MS
Circul.( ,on = 21038
DAIL Y
02/12/2010
111111111 IIIIII II~1I11111111 1111 II III
IiiSide tlils 10page report you wilileam:
. < - Ii IS THE IRS THE BENEFICIARY OF YOUR IRA? • Four ways you can take money out 01
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MISSISSIPPI PRESS
PASC AGOULA, MS
Circulatio n = 21038
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SPECIAL PROMOTION
"PllVlllents as lnw as 6.9% apr or
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ROO M Payments as low as $139/ month
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....
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PATIO or CARPORTS
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Customr--r Largest
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SU N-HE r.n Ln
BILO XI, rVis
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DAIL Y
02/17!2010
IIIIII!\ II!I!! I'!!\!! !! '!''!il!!
3-. 75~oCD
FIRST FIDELITY
Fmancia.l C roup of The Gulf CooH
......1..
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14116 Customs Blvd., 5te 113 • Gulfport, MS 39503
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COMMERCIAL APPEAL
MEMPHIS. TN
CirculatIon = 236625
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MAGNOLIA
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(601) 85G-Wlll ! '1" , ",,~.8 G10
SU N-H E "~ -'\L U
BI LOY. !, M S
Clrcul.1tl on .: 5G!)":\ ')
1'#1' H.ARINQ AN'''

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MAGNOLIA
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(601) 856-0911 / (205) 758-8610
PANOLIAN
BATESVILLE, MS
Circulation:::: 4846
WEEKLY
02/16/2010
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WHY WAIT WEEKS FOR YOUR TAX REFUND?
Or get an a'dvance
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McDoosJd'1> FWItawi!llll 406 West M&n Slraet
6(!7A Easl Lee S'lraat Senatobaia. MS 38668
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SUN-HERALD
BILO XI, MS
Circulation:: 56643
DAILY
02/15/2010
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. . . , - - -10598 D'Iberville Blvd., D'Iberville, MS 39540
, ~ 9:00 to 6-:00 Phone: ?28-392-2539 Fax: 228-392-1760
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Sat. 9:00 to 4:00 baysideflf/ nitureandappHances.com
Serving Sou th Mississippi Since 1964
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GREENE CO HERALD
LEAKESVILLE, MS
Circulation = 2783
WEEKLY
02/11/2010
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BBB offers alert for

debit card users
Special to the Herald ). SD since card issuers typically
With the increasing use of have "zero liability" policies.
debit cards (rather than credit However, these policies some·
cards) and the dramatic times exclude PIN-based trans
increase in debit card spending, actions.
there is also an increase in cred Stick with ATMs located at
it card fraud. Banks across the banks. Machines at conven
country are raising concerns ience stores, airports and isolat
about the rise in fraud attempts ed locations are easier targets '
relating to debit cards. for attaching skimming devices I
Thieves are creating counter to gather data. Generally non- ,
feit ATM or debit cards by bank locations have less traffic i
stealing PINs and other account and no surveillance cameras. i
data using a technique known Monitor your bank accounts
as skimming. This is accom closely. Checking statements
plished by setting up equipment online is preferable instead of
that captures magnetic stripe waiting for monthly statements
and keypad information when to arrive in the mail. Federal·
PINs are' used at ATM law limits your liability for i
machines, gas pumps, restau fraudulent debit card charges to
rants and retail establishments. $50, but only if the theft or loss
The Better Business Bureau is reported within two business
(BBB) Serving MisSiSsIppi days of discovering the prob
offers some tips to help protect lem.
account data: "When you have unauthorized
Don't type your PIN at the charges on a credit card, you
pump. If you use a debit card at won't be out any money while
the gas pump, select the option the disputed charges are being
for it to be processed as a credo investigated," said Bill Moak,
it card. This can provide better President/CEO of the
protection from fraud liability Mississippi BBB.
MAGNOLIA
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(601) 856·0911 I (205) 758·8610

HATTIESBURG AMERICAN
HATTIESBURG. MS
Circulation = 26509
DAilY
02/12/2010
1111111111111111111111111111111111111
,ttP • Contact your credit

card company. While most
interest rate hikes affect only
customers who carry a bal
ance, some customers in
good standing have seen their
BILLMOAK rates increase as well. Anyone
who believes their rate was
increased by mistake should
BBBwarns
contact their credit card com
pany. There is evidence that
credit card companies might
aboutbank
be willing to negotiate rates
in order to keep cardholders
as customers
cardfee
• Payoff the account. If
the cardholder deesn 't want
to accept the new rate, they
Increases
. can choose to keep their cur
rent rate and payoff their
HE BETLER.,BUSlNESS outstanding balance, as long
T B~ serving Mis
sissippi warns con
sumers that banks are in
as they don 't make any new
purchases. If any new pur
chases are made, the higher
creasing credit card rates rate will be enforced.
and fees, an action many • Find a better deal else

consumers have forgotten where. Other credit card
about because it was ap companies might be offering
proved eight months ago. better deals (such as low in
While consumers can shop troductory rates) that will
around for a better rate, there give the holder a less expen
may be little they can do sive way to pay down debt.
about the increases other Shopping around can payoff.
than be aware of them. Con • Manage credit respon
sumers need to especially sibly. According to banks,
guard against scammers most rate hikes affect people
using these increases as an who maintain balances on
opportunity to steal personal their card or have rates that
information from individuals are too low for the market.
looking for better rates. Therefore, one of the best
Many banks are changing Ways to avoid a sudden inter
. interest rates and fees before est rate hike is to use credit
a new set of laws designed to cards responsibly (which in
protect consumers will go cludes paying bills on time
into effect this month. This and not carrying a balance).
legislation was passed so Ion! Consumers should never
ago that most consumers give personal or financial in
have forgotten the increases formation on the telephone
are coming. unless they initiate the call
Scammers are using this as and know and trust who they
an opportunity to steal per are talking to. Consumers
sonal information and use it should wait to receive infor
to commit fraud later on. Th( mation from their banks
typical scam procedure re concerning any rate and fee
ported to the BBB by con change. Once they have this
sumers is that they receive information, they should
calls from organizations contact their financial insti
promising lower credit card tut;ion directly to discuss and
interest rates. To accomplish negotiate a lower rate.
this, the callers say they need Visit www.ms.bbb.org for
personal information, such more consumer tips.
Social Security and bank ac
count numbers. Bill Moa k is president of the
The BBB offers the follow Better Business Bureau of
ing advice that consumers Mississippi. E-mail him at
can take to help them obtain www.bbbms.org.
10'A[er rates:
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COMMERCIAL APPEAL
MEMPHIS. TN
Circulation = 236625
DAILY
02/12/2010
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MISSISSIP PI PRE SS
PASCA GOU LA. MS
Circu lation = 210:18

DAIL Y
02/19 /2010
111111I 11 11111I!1I11 1111!! II! i!!!!III
CALL TODAY FOR YOUR FREE HEARING TEST & DEMONSTRATIO N
')-~D MOBILE. • 3 2.1 14 4

43 18 Downtowner Loop N. • Suite K
EASTERN SHORE • 929·0604
HWY 98 M ontrose Plaza • Suite 2

(Corner of G raham, next to Car Quest)
JANUARY SPECIA CONTINUE
.+ www.earlabmobile.com ~
* HedrtrT~raid s may no t meet the need s o f all .hearing impaired people . I
MAGNOLIA
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(601) 856·0911 1 (205) 158·8610

MISSISSIPPI PRESS
PASCAGOULA, MS
Clrcul t'l tron :; 210:18

DAILY
02 /19/2010
""III 111111111111111 1111111 111 11111
.a:..~~ PROMOTION
Payments as Tmu as 6.9% apr 01'
12 Months No Interest with approved
ROOM Payments as ww as S139/ month
SCREEN ROOM Payments as low as s59/ month
PATIO or CARPORTS
as W]JJ as $38/ month
Showroom on Hwy 59, Stapletan

Just 4 miles North of Sponish Fort
MAGNOLIA
CLIPPING SERVICE

(601) 856-0911 I (205) 758-8610
PICA YUNE ITEM
PICAYUN E, MS
Circulati on = 6093
DA ILY
02/11 /2010
111111 1111111111111111 111 111 11 1111111
• Pool & Spa Circuits • Additions

• Mobile Home Hook-ups • Generator
• All Work Guaranteed • Transfer Switches
• New Cooalruc1ion • Main!. Work
MAGNOLIA
CLIPPING SERVICE

(601) 856·09 11 ! (2U5) 7 ~8 .86 1 0
SUN-HERALD
BILOXI , MS
Circulation ~ 566:tJ
DAIL Y
02 /16/2010
nw III!I~ I!I!!
'"11111111111 I!II! I
MAGNOLIA
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(601) 856·0911 I (205) 758·8610
MERIDIAN ST AR
MERIDIAN. MS
Circul ati on =20531

DAILY
02/1712010
111111 111111111 11111111111111 11111111
- t ENSUS COUNTS:
'J~O
e~sus from page Al
a confidentiality notice.
Ask to see their identifi
cation and their badge
before answering their
questions. However, you
should never invite
anyone you don 't know
into your home.
• Do not give your
Social Security number,
credit card or banking
information to anyone,
even if they claim they
need it for the U.S.
Census.
• While the Census
Bureau might ask for
basic financial informa
tion, such as salary
range, you don't have to
answer anything at all
about your financial situ
ation.
• Eventually, Census
workers may con tact you
by telephone, mail or in
person at home. How
ever, the Census Bureau
will not contact you by e
mail.
• Never click on a link
or open any attachment
in an e-mail that are sup
posedly from the U.S.
Census Bureau.
PAULA MERRITI / THE MERIDIAN STAR
Ki m Houston , co rresponding secretary for M eridian Alumnae Chapter, Delta Sigma Theta Inc. , talks to
Sh eli a McM illan about the importance of partici pating in Census 2010. The sorority will join other Delta
chapter in hosting Cen sus Awareness Dayan Feb. 27.
Meridian Delta Sigma Theta Chapter
encourages participation in Census 2010
By Ida Brown cooperative, but cautious to avoid

I brown@ll1 emer[dianstar.com What: 2010 Census Awareness becoming victims of fraud or iden
Day hosted by Meridian Alumnae tity theft.
Hoping to educate local resi Chapter of Delta·Sigma Theta "No matter what the Census
den ts of the im porlance of th eir Sorority Inc. workers ask. residen ts only ne$:l
participation in U.S. Census When: Feb. 27, 3 p.m. to tell the m how many people live
2010. the Meridian Alumnae Where: East Mississippi Electric at their address," Houston said.
Chapter of Delta Sigma TIleta Power Association (EMEPA) More than 140,000 U.S. Census
SOfOlity Inc. is joi niug Della puilding , 2128 Highway 39 North workers will couht every person
chapters nationwide in hosting For more information: Gina in the United States and Will
Census Awareness Day. Robertson, Meridian Alumnae gather information about every
SeUor Feb. 27, members person living at each address.
Chapter DST president, (601) including name, age, gender, rade
hope to especially enc ourage the
fu ll partici pation of African 934-2023 and other relevant data.
Americans and other tradition How do you tell the difference
ally unrepresented grou ps in Guest speaker will be Regional between a U.S. Census worker
Census 2010. Census Director Diann Chapman, and a con artist? The Better Busi
"People need to understand who will help shed ligh t on the ness Bureau (BBB) offers the fol
the impact on the community if many myths about census parti ci lowing advice:
they are not counted," said Kim pation. Refreshments also will be • If a U.S. Census worker
Houston, corr esponding secre served and there is no charge to knocks on you ~ door, they will
tary of the Meridian Alumnae participate. have a badge, a handheld device,
Ch apter. lilt not only affeds the WitJl the U.S. Censlls process a Census Bureau canvas bag, and
dollars thaI come into the state, under way, the Meridi an Alumnae
but also our community" Chapter advises residents to be See CENSUS otpage A2
MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 758·8610
MISSISSI PPI PRE SS
PASCAGOU LA, MS
Circul.tlon = 21038
DAi l Y
02 /16/2010
II!IIII
1111111 I! 111111 \1111 111111111\
PROMOTION
IROOM Payments as low as ' 139 / monlh

SCREEN ROOM Payments as /ow as'59 / monlh
or CARPORTS
Pa}'llllenits as /owas'38 / monlh
Showroom on Hwy 59, Stapleton

Just 4 miles Norih of Spanish Fort
MAGNOLIA
CLIPPING SERVICE
(601) 856-0911 j (205) 758.8610
BOLIVAR COMMERCIAL
CLEVELAND. MS
Circulation =7738
DAilY
02112/2010
Ii 11111 I1111111111111111 II II! 11111 Iii
R,J!mon joins elite: companies
The Better Business which include a record of The BBB is a not-for-prof-

Bureau of Mississippi is positive customer service, a it organization that promotes
pleased to welcome T. L history and Rolicy of prompt and fosters the highest ethi
Redmon Funeral Home resolution of consumer com cal relationship between
located at 1308 S. Davis Ave. plaint and support of the businesses and the public
in Cleveland as a better busi BBB's purpose and functjQn. through voluntary self-regu
ness of Mississippi Continued membership is lation, consumer and busi
Accredited Business. contingent on maintaining a ness education and service
The company offers funer satisfactory customer service
excellence. The organization
al services, cremations, record.
provides 76 Mississippi
insurance and pre-arranged "\Ve encourage consumers
funerals. They have been in counties with a variety of
to consider BBB members
business since 2002. The When looking for products services to businesses and
president is Trextor L. and services," said Bill consumers.
Redmon. Moak, BBB Mississippi For a listing of BBB
Accredited Business mem president and CEO. "The Accredited Businesses or to
bership in the Better fact that they are BBB check out a Mississippi busi
Business Bureau is op;;;" to Accredited Businesses is an ness, you may call the BBB
estabfubed businesses that indication that they have Mississippi at 800-987-8280
meet the BBB's rigorous demonstrated their reliabili or visit the BBB website at
membership standards, ty." www.ms.bbb.org.
MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 758·8610
CLINTON NEWS
I
CLINTON, MS
= 9650
Circl~otion 1
WEEKLY
02104/2010
1111111111111111111111111111111111 Iii
COMMUNITY SHRED DAY:
The state of MisSissippi, the
Better Bu~ess Bureau and
Mississippi ~te University's
Extension Service will sponsor
acommunity "shred day" from
7:30 a.m.-2 p.m. at the Home I
Depot on \-55 North in Jack

son. Residents can bring up to
five boxes or bags of sensitive
documents to be shredded for
free. Businesses are not
allowed to participate./~'
MAGNOLIA
CLIPPING SERVICE

(601) 856-0911 I (205) 758-8610
OXFORD EAGLE
OXFORD. MS
Circulati on: 5032
DAI LY
02/16/2010
\111\11\1111\\\\"\I\!II mil \1111 l\l
Termite & Pest

••11.. Control, Inc.
Authorized User of
TERMIDOR©
. "We Treat You Right"
26 years serving Oxford
and surrounding areas 7160 CR 224
Water Valley, MS 38965
662·473-3388
662·234·2197
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SUN·HERA LD
BIL OXI, MS
Circulation = 56643
DAI LY
02/21 /2010
111111 11 11111111111111111 111111 111111
m:n"""~"""""""""-
MAGNOLIA
CLIPPING SERVICE

(601) 856-0911 I (205) 758-8610
SUN -H ERA LD
-
BILOXI, MS
DAILY
02/19/2010
111111 1111111111111111111111111111 111
MAGNOLIA
CLIPPING SERVICE

(601 ) 856-09 11 I (205) 758-8610
SUN-HER ALD
BILO XI, MS
Circulruion:: 56643
DAILY
02/20/2010
IIIIII!1111111111111111111111 11111111
MAGNOLIA
CLIPPING SERVICE
(601) 856-0911 I (205) 758-8610
SU N-HERA LD
BIL OXI, MS
Circul ation : 56643
DAIL Y
02/22/2010
11111111 11111111111111111111 11 1111111
MAGNOLIA
CLIPPING SERVICE

(601 ) 856·0911 I (205) 758·8fil 0

SUN-HERALD
BILOXI, MS
Circul ati on = 56643
DAILY
02/2112010
1111111111111111111111111111111111111
3.75&?o.CD ·
FIRST FIDELITY . ;
Financial Group of The Gulf Coast . '
Your Safe Money Solution -
Ask about our higher yield ing tax· deferred products
14116 Customs Blvd., Ste 113 · Gulfport, MS 39503

(228) 822-4717 • Office Houts: Mon-Fri 9 a.m. - 4 p.m .
MAGNOLIA
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(601) 856-0911 I (205) 758-8010
MISSISSIPPI PRESS
PASCAG OULA, MS
Circulation = 21038
DAILY
0212112010
111111111111111 1111111111 111111111111
OHurting from low CD rates?

Call First Fidelity for the c~.re !
3•75,*0 Eq"h" '••,y'. ldf,,,..
prnnmll(lnaJ lnt'1: nfi n.'
pnJ\'id cil by Fir~(
Fr.[tlily
3 Month CD
Ask about our higher Yielding tax-deferred products
FIR ST FIDELITY
Fmancial Group of the Gulfcoast
liMA"'Sqfe Mo»~' .'!w/ktti""'
.~
* 14116 Customs Blvd Ste 113 Gulfport, MS 39503
228·822·4717. Off ice Hours: 9 a.m. ·4 p.m.
f iN E~ i<k'III} i~ a fi nanc ial M."r'I1~"\.'S fi rm l,haI 10I,:1I1~ banks Qlb illl; m;; lIilltW'>i CD ~ " j!.l~ "all('>fl" id~. ;\1in im um
d':pi.l">its nlU~ 8f1.1 ly: rale a."lI . ok~i! surJ~I I~. ~\ ~il.'lhi J;tr : . \ubjt-cl l () chp.o/ic wilr.:ulllrJ!i~c : r-:rwll% {VI" c~rI>
,,',wlra"l.I1. • ,'~1ual ronk rJIl' 1< I(lw~r rhiln h I"! Ink lu~ oow rtl.~o:tJrJ1C. An} dfft.:n:llc~ III rJtc .... ,11 b.: pr,wi.:kd by Ih.:
I(..::;!I FiN J 'i d~lil~ ('flk~' 3, ~ l "rt~n[lli(>jl:d lacenl;I',". rir,1 Ficklil) f!ira.lf)I,;ial (n:olll" is n.11.1I ~late ()r fcJcr.lll) inslirN
fina/Ki al institution. and i.~ 001 atllli~I.:;J wilh Fi~1 rl<kli~ lbnk. t iN tlddit) Trust. or f iJ'!.l n.kli!y Sa"in!:, $; l.('\1n .
I~.;ur~n.;c proJui:b, includmg li~cJ ~nnuilk~. :11\! M I ~uannl....:d~· an~ l'anl , fc..!er.lI lj,~I}I.·)'. l'l" Ih~ n)le. .,; 2O()q
FI/:;! I'idel il) 1:'ll:Inda l (in"llJp. I IX. RC"\' 9.fl<l
MAGNOLIA
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(601) 856·0911 I (205) 758·8610
MISSISSIPPI PRESS
PASCAGOULA, MS
Circulation:: 21038
DAILY
02/21/2010
1111111 11 1111111111111111111111111111
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Office 625·1226 Toll Free 877.251.1984 , 6
w;J 9078 Merritt la ne· Da phne. www.safeha rfi n.com ~
~~b'J'J<Jnesl¥drJ Ste Ha:ltaFra-oal~ LtC Seo.IJbeso!laoo'hw;1lKabsCaPtal.1n:. J7Il t.msenM
s:e \~ ~ GA lXl22 6i8-35&1100. SaleHartX:r F1m.::JaIServc&s ~ 001 ~ alliale (X"Sl.bsday(jKabs~ h:.
MAGNOLIA
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(601) 8S6-0911 I (20S) 7SB·8610

SUN·HERALD
BILOXI, MS
Circulation =S6&43
DAIL Y
02 /20/2010
Pillow Top Euro Top

Queen Set Queen Set
Twin Set ........ $498 T win Set ........ $59 8
Fu ll Sct .. .... .... $ 598 Full Set ... ... .. .. $ 6 48
King Set ......... $998 K in g Set ...... $ 10 48
Feldspar
Firm. or PluSh Euro Top
Queen Set Queen Set
Twin Se t ........ $298 Twin Set .. , ..... $468
Full Sct ...... .. .. $348 . Full Set .......... $548
....... $648 Ki ng :::'cr ......... $848
Premium Mattress Collection
baysidefurnitureandappliances.com
ServinQ South Mississiooi Since 1964
MAGNOLIA
CLIPPING SERVICE

(601) 856-0911 I (205) 758-81;10

SUN-HERALD
BILOXI, MS
Circulation:: 56643
DAILY
02/21/2010
\\\\1\\\ \\\1\\\\\1\\\\\\\\\\\ \\1\\ 1\\
It . . F
tlll.rtG!j
..11._ _ I
=....,; "
PANELS
ROLL DOWNS
ACCORDIANS
BAHAMAS
MAGNOLIA
CLIPPING SERVICE

(601) 856-0911 I (205) 758-8€10

SUN -HERA LD
BIL OXI, MS
Circulation = 56643
DAI LY
02/23/2010
IIIIIIII IIIIIIIIIIIIIIIII!111 1111111

MAGNOLIA
CLIPPING SERVICE

(601 ) 856-0911 I (205) 758-8610
SUN-HERALD
BILOXI, MS
Circulation =56643
DAIL Y
02/22/2010
1111111 1111111111111111111111 11111111
3. 75f8o. c~
FIRST FIDELITY
Financial G roup o f The G ulf Coast
f ~-
;.i:J
Your Safe Money Solution"
Ask about our higher Yleldmg tax-deferred products
14116 Customs Blvd., Ste 113· Gulfport, MS 39503

(228) 822-4717 • Office Hours: Mon-Fri 9 a.m. - 4
MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 758.8610
MISSISSIPPI PRESS
PASCAGOULA, MS
Circulation = 21038
DAILY
02/21/2010
1111111 I! 111111 illl 1111111111 1111' til
BBB issues warning

about u~e of Google
name/logo scams
Submitted by Better Business aI Trade Commission and
Bureau of Mississippi state attorneys general.
Other scam sites re
Better Business Bureau ported are Google Biz
serving Mtssissippi is Kit, Google Cash. Google
warning consumers of na Money Profits and Goo
tionwide scams that use gle Success Kit.
the Google name to get The BBB offers this ad
access to individual cred vice to help avoid such
it card information.
Dozens of Web sites are scams:
trading on the Google • Check the BBB Reli-I
name to scam people who ability Report for busi- ,
want to learn about mak ness practice and I'
ing money from home. complaint information. ,
These sites are using • Beware of work-at- '
the Google name and home offers using logos
prominently display its from Google, Twitter or
logo to mislead consum other prominent online
ers into thinking they are businesses.
getting a job through Goo • Question offers that
gle. guarantee large earnings
According to Bill Moak, with I~ttle effort and no I
president and chief exec experIence.
utive officer of the Missis • Research the validi
sippi BBB, "many families ty of domain names
are searching for ways to through www.whois.net.
earn extra money using • Read the Web site's
Web sites that tout huge terms and conditions
money-making potential carefully; keep in mind
while working from home. that low<ost items or
Unfortunately, most wbrk free trials could cost you
at-home opportunities in the end. i
don't deliver on what The BBB has been
they promise, and victims serving Mississippi con
find that they lose hun sumers and bUSinesses
dreds of dollars instead of since 1964 by promoting
making extra money.~ an ethical marketplace.
Two main scam sites, A Reliability Report on:
Google Treasure Chest businesses can be olr I
and Google Money Tree, tained online at
generated hundred of www.ms.bbb.org or by
BBB complaints. Eventu calling the BBB Auto
ally, these sites caught mated Response Line at :
the attention of the Feder 800-987-8280. '
MAGNOLIA
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I
(601) 856-0911 I (205) 758-8610

TIMES TRIBUNE
HERNANDO, MS
Circul ation = 6872
DAilY
02/20/2010
1111111 1111111111111111111 11 11 11 11111
PRECISION ROOFING COMPANY

LaYOVBfS and tearoffs. We do all repairs.
Residential. Churches and Commercial.
References available. Senior Citizen discounL
];G' FREE ESTIMATES

MAGNOLIA
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(601) 856·0911 I (205) 758·8610

TIMES TRIBUNE
HERNANDO, MS
Circulation = 6872
DAILY
02/20/2010
1111111111111111111111111111111111111
~~ACTION UNLIMITED ®~
,. NOME IMPRIlVEMnfJS & IlANDYMIlN SERVICES ~
(~ Roof~9, ~rill9:,Poi;mng, ti~ks, Md~jo~, """rel. WOr~ ~~ '..' .
t,. feJlteS, Shee"o<k, Plumbing, S&llrical. AC/ltOOI Repairs ~
2~ 0 ~'Oolizinll in finkhing kilcoo.,. boln"""",, '
.' . ....
bon", rooml &luiute rooms
' 'ii '" . . ... -- _ ..
·
All your home repairs in one call i.
24 Hr. Eln8lU8MY Semen Available 1
25 Yl'. experielleB
Quality Work at a Great Price
t) i: \\
BfB
662·404-2721- 662-429-8914 'if>
L1ce.nse# 897
MAGNOLIA
CLIPPING SERVICE

(601) 856·0911 J (205) 758·8610

TIMES TRIBUNE
HERNANDO, MS
Circulation = 6872
DAILY
02/20/2010
1111111111111111111111111111 11 1111111
"'Neat & Depe~ulable"

,1")
},,\o 1Ititt4 ' ,
INTERIORAND
EXTERIOR PAINTING
Residential and Commercial
..' ,. Insured & Bonded
Sheetrock Work and
Pressure Washing AvaIlable
Mlcllllel Mills . owner
f} Office: 662-560-4960
BBB '
, - C~U: 66l-560-3611
MAGNOLIA
CLIPPING SERVICE

(601) 856·0911 I (205) 758.8610

SUN-HERALD
BILOXI, MS
Ci rcul ation = 56643
DA ilY
02/25/2010
III"III IIIllIJllIlll/lll11111111 1111
?

o
J -
Silica
Pillow Top .
Queen Se
T \J. inSet .... .... $498
Fu ll Set ...... ... . $598
King Se[ .... ..... $998
o
o
,./'--"''
Feldspar Su nstone
Firm or Plush Euro Top
Queen Set . Queen Sec
TWin Set ...... . $2 98 T w in Sci . . $468
full Set .......... $348 full Set .......... $5
KlllJ! S et .... ... .. $648 ..a~
Premium Mattress Collection
iii!
~
"m"
MAGNOLIA
CLIPPING SERVICE

(601 ) 856·0911 I (205) 758-8610

MISSISSIPPI PRESS
PASCAGOULA, MS
Circul.tion = 21038
DAILY
02/23/2010
1111111 11 1111111111111111111111111111
t, PECIAL PROMOTION
Payments as low as 6.9% apr or
2 Months No Interest with approved cmiit
ROOM Paymen ts as low as ' 139/ month
•
tlt_' "'-

PATIO or CARPORTS
Payments as low as '38/ month
521' J! JU2U" J 2-'"
Showroom on Hwy 59, Stapleton

Just 4 miles North of Sponish Fort
MAGNOLIA
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(6 01) 856·0911 I (205) 758·86 10

SUN-HERALD
BIL OXI , MS
Circulation = 56643
DAILY
02/25/2010
MAGNOLIA
CLIPPING SERVICE

1601 ) 856·0 911 I (2 05) 758·8610

SUN-HERALD
BILO XI , MS
Crrcul.l ion = 56643

DAILY
02/26/2010
1111111111111111111111 111111 111111111

MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 758·8610
GREENE CO HERALD
LEAKESVILLE, MS
Circulation: 2783
WEEKLY
02/18/2010
111111111111111111111111111111 U1I11
. /., .
BaB offers advice on recent scams
Special to the Herald Delinquent debt-Scammers try to col PayPal or online banking account is
Particularly in a tough eeonomy, scam lect bogus debts using high-pressure frozen- Bogus emails spread the news.
mers are using a variety of methods to strong-arm tactics. Now text messages have begun.
separate trusting, elderly or vulnerable Secret Shopper-They offer opportuni Gone "Phishing"- Phishing E-mail
consumers from their money, They use ties to spend someone else's money for a messages try to solicit personal informa
the telephone, mail and E-mail as well as marketing or consumer research organi tion or get consumers to click on bogus
print and online pop-up ads, Sometimes zation. In reality, it is the consumer's links in the messages.
they even knock on doors, own money being used. Pyramid Schemes-Also called "Multi
"We regularly field calls from the vic Advance Fee Loans-Loans are offered, tier Marketing", these scams recruit prod- ;
tims of these scammers," said Bill Moak, regardless of credit rating, to payoff uct salespeople/recruiters. Although not
President/CEO of the Better -Bismess debts or make ends meet. Up-front fees all multi-level business are scams, this
Bur~.a~B) Serving Mississippi. are required to obtain such loans. tactic is often used by scaminers.
"Scammers often work outside the U,S" Getting a Job without really trying There are several ways to check out an
beyond the reach of law enforcement For a fee, scammers offer to get your offer or report a scam. Contact the Better
agencies, And they often prey on those application to the person hiring - and get Business Bureau (www.ms.bbb.org or
who are looking for ways to make extra it there ahead of others' applications. 800-987-8280), Check the FBI internet
money." Work at Home - Easy as Twitter crime Web site (www.IC3.gov). or
The following is a sampling of the most Opportunities to make hundreds of dol Contact the Attorney General's Office
recent scams effecting consumers across lars daily by posting links on Consumer Protection Division
the country: Twitter.com. (www.agjimhood.comor 800-281-4418).
MAGNOLIA
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FRANKLIN ADVOCATE
MEADVILLE, MS
Circulation = 2875
WEEKLY
02/25/2010
111111111111111111111111 mlllllllill
News Release
"'~B CENSUS ALERT
') ...L Know the Facts
'l:Yue to a current rash of
email mEtssages being sent
falsely under the name of the
8ensus Bureau, the Better
3usiness ~(BBB) serv
ng Mississippi offers the
, ollowing facts about the 2010
:ensus:
The. U. S,'Glensuf3"l3t!r-eau
will not send email messages
to obtain or verify information
or to solicit donations.
Census workers will not
begin going door-to-door until
April. The campaign will end
in July,
Field Representatives will
never ask for your Social
Security number, bank ac
count information or credit
card numbers.
The information request
will be in the form of 10 sim
ple questions relating to
name, gender, age, race,
ethnicity and home owner
ship, Your answers are pro
tected by law and not shared
with anyone outside the
Census Bureau.
Citizens are required by
law to respond to the census
information request. The data
collected is used in allocation
of federal funds and in deter
~ining each state's Congres
sional representation.
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02/2412010
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PRESS REGISTER
CLAR KSDAL E, MS
Cireulalion =6290
DAILY
02/24/2010
""'" ""'" 11 1111 "" "'" '" " "'
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PRESS REGISTER
CLA RKSDALE, MS
Circulation =6290
DAILY
02/19/2010
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MOT DC.
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SUN-HERALD
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Circulalion:- 56643
DAilY
02/24/2010
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TIMES OF STONE CO
WIGGINS , MS
Circulation = 2350
WEEKLY
02/18/2010
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r-'L:oastal ENT Associates
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SUN-HER A LD
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02/24/2010
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NORTHSIDE SUN
JACKSON. MS
Circulation = 9470
WEEKL Y
02/25/2010
111111111111111111111111111111 1111111
aco~r~hon ID~~~~~~~~~~~
Brodbeck on debit card fraud
Dick Brodbeck is director ofcommuni Where do you buy devices like that? What are the responsibilities of the
cations with the Better Business Bureau of "I have no idea. They're obviously easy BBB? And what kind of businesses does
Mississippi. He recelii!y spoke to Sun Staff to get" your office deal with?
Writer Anthony Warren about the rise in "Basically, we are a nonprofit organiza
debit cardfraud at remote auto17Ulted Is debit card fraud a local or national tion that exists to promote ethics in the
teller 17Ulchines (ATMS) and gas pumps. problem? marketplace. We do that by providing
Brodbeck is a graduate ofStetson '1t's a national problem. We are aware accurate and verifiable information on
I University in DeLand, F/a. of it through various secretary of state and businesses to consumers and other busi
attorney generals offices, and BBB offices nesses. We accredit any business that has
The Sun recently received a p~ aero the country. In reality, the number been in operation in the state for at least a
release talking about the dangers of of incidents reported might be quite small year, that doesn't have government actions
using debit cards. So what's the deal? compared to the nwnber of crimes that taken against them and doesn't have a bed
'They're the same as credit cards, as far actually occur. A lot of times, people don't record with us."
as having your identity lifted or stolen. make time to contact authorities and are
With debit cards, though, it's the fact thal more interested in fixing their problems How do you get a bad record with
thieves can gain access directly into your than reporting them." BBB? Are there any interesting compli
checking account. It leaves you a lot more ants that you've encountered?
vulnerable. When people have a problem like this ''If businesses are unresponsive to com
''If you have a credit card number com occur do they call your office? plaints filed by consumers against them.
promised, you will have little, if any, lia "Because of the way we operate, those We don't cite specifics to conswners.
bility for bogus charges. If a person gets calls don't need to come to us. They need When they call to get information, we
your debit card, they can get into your to call local law enforcement or the give them a reliability report and tell them
money and wreak havoc with your Federal Trade Commission. We encourage the nwnber of complaints the business has
account. It doesn't mean that you will peopJe to report incidents to the appropri had over a three-year period and whether
have a financial loss, but you will likely ate agencies. We're simply trying to stay or not the complaints are resolved. If the
lose a lot of time. You may have to close on the front end, trying to educate people business fails to respond to the complaints
your account and could end up with a about the different types of fraud that are against them, they don't have a favorable
numberofbocm~c~h,whlchcan out there and what people can do to keep rating with us. We have a scale of A to F.
lead to a lower credit rating. Plus, a lot of from becoming victims." Obviously, an A is good and an F is fail
"Basically you need to monitoryour people have direct deposit, so it could be a ing."
real problem to have to change all of that" Do you have any tips for people who
redit and bank statements, so you can become victiJm? How many businesses are accredited
One of the I:binp mentioned in the ''The thing they need to do is, if it's a in Mississippi? And what types of busi
espond in a timely manner if there's a release is that crooks can steal your pin credit card, call their company so their nesses have the most complaints?
number. How do they do that? card can be shut down and get a new one "We have approximately 2,000 accredit
rob/em. Ifyou do become a victim, 'They are able to attach a device to issued. ed businesses thal have an A or B rating.
machines that can read the pins or get "There's a certain window of opportuni Cell phone companies, roofers, car deal
'ou need to report it to the credit information from the magnetic strip on the ty, about 30 to 45 days, you have to refute ers, cable companies and businesseS" like
card. It's real techno, and I'm not a techno any charges or deductions made to your thal are probably near the top when it
eporting agencies..." person by any means. WIth the safety account Basically you need to monitor comes to complaints."
issue, though, thal's why we say if you go your credit and bank statements, so you
-Dick Brodbeck to ATMs, go to those at banh or in hlgh can respond in a timely manner if there's a How many complaints do you get in a
traffic areas, not in remote locations. It's problem. If you do become a victim, you 12-month period?
less likely that there will be theft devices need to report it to the credit reporting "Last year, we processed about 3,150."
on machines in bank settings or hlgh-traf agencies Experion, Equifax or Transunion,
fic areas." to have a fraud alert put on the account."
MAGNOLIA
CLIPPING SERVICE

(601) 856·0911 I (205) 758.8610

NORTH MS HERALD
WATER VALLEY, MS
Circulation =: 2840
WEEKL Y
02/25/2010
1111111111111111111111111111111111111
State's B-BB-Warns
'V'1' .
•-,-"",,1)
Con.sumers To
;SeleGt -Passwor.gS "
With Care
RIDGELAND - In light of the :make thousands of password
continued spread of identity theft, guesses per minute.
the Better Business Bureau "It is important to take every
(BBB) Serviii'fMississippi warns precaution possible to avoid
against using easy or common being a victim of identity theft, "
passwords . on accounts. Moak continued. "Even though il
Consumers are also cautioned not may be somewhat inconvenient
to use the same password for we would encourage everyone to
multiple accounts.
"Despite all of
the recent informa
tion about the wide- .
spread violations of
security and stealing
of personal infor
mation, many peo
ple still are reacting
with a shrug," said
Bill Moak,
President/CEO of
the Mississippi BBB. "It amounts use a variety of account pass
to playing into the hands of hack words."
ers and identity thieves." The BBB has been serving
Based on a recent survey of 32 Mississippi consumers since
million ' passwords that hackers 1964 by promoting an ethical
stole' in one month from social marketplace for both consumers
networking sites (Facebook, I and businesses.
MySpace, Twitter, etc.), the fol
lowing are common widely-used
passwords found:
• 12345
• 123456
• 1234567
• 12345678
• 123456789
• password
• iloveyou
• iloveu
• Abel 23
·654321
-llllll
·0
Some Web sites are forcing
users to mix letter, number and
symbols in their passwords in an
attempt to thwart hackers. Having
commonly used passwords
makes the hackers' job much eas
ier, The prevalence of fast com
puter and speedy networks pro
vides them the opportunity to
MAGNOLIA
CUPPING SERVICE
(601) 856·0911 , (205) 758.8610
DEMOCRAT
SENATOBIA, MS
Circulation = 3948
WEEKLY
02/16/2010
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HATTIESBURG AMERICAN
HATTIESBURG, MS
Circulation =26509
DAILY
02/26/2010
1111111111111111111111111 1111111 11111
Some Web sites are forcing

users to mix letter, number,
and symbols in their pass
words in an attempt to thwart
hackers.
BILL MOAK Vary your passwords
jg-c Having commonly used
Selectyour
passwords makes the hackers'
job much easier.
The prevalence of fast com
puter and speedy networks
account
provides them the opportuni
ty to make thousands of pass
word guesses per minute.
passwords
It is important to take every
preCaution possible'to avoid
, being a victim of identity
carefully
theft.
Even though it may be
somewhat inconvenient, we
N LIGHT OF THE con would encourage everyone to
I tinued spread of identity

theft, the BettecBuslness
BU!:.9.~rving Mississippi
use a variety of account pass
words.
Online settlement
warns against using easy or
common passwords on ac The BBB offers advice on
counts. selecting reputable online
Consumers also are cau companies for people con
tioned not to use the same sidering debt settlement as a
password for multiple ac solution to excessive debt.
counts. Ask these questions:
Despite all of the recent in • Are there minimum re
formation about the wide quirements set for appli
spread violations of security cants? Companies that just
and stealing of personal infor want to grab business prob
mation, many people still are ably aren't really concerned
reacting.with a shrug. It about the finan cial needs of
amounts to playing into the their clients.
hands of hackers and identity • What is the cost of the
thieves. program? You need to know
the cost of services in order
Surveysays? to properly determ ine your
.Based on a recent survey of debt settlelIjent budget.
32 million passwords that • How long will it take to
hackers stole in one month complete the program? It
from social networking sites generally takes at least 2
(Facebook, MySpace, Twitter, years (often 3), so offers of
etc.), the following are com completion in leSs time are
mon widely-used passwords a definite red flag ,
found: • How mu ch money do

. 12345 they claim to be able to save
. 123456 you? Most online settle
. 1234567 ment companies offer the
. 12345678 ability to save 40 percent to
. 123456789 60 percent of the client's
• password totai debt. Be sure to calcu
• iloveyou late your savings by includ
• iloveu ing the settlement service
• Abcl23
fees .
. 654321
• Is the company accred
. 111111
ited by the BBB or TASC
. 0
(Trade As sociation of Settle
ment Companies)?
Bill Moak is president of the

Better Business Bureau of
Mississippi. E-mail him at
ww'w.bbbms.org.
MAGNOLIA
CLIPPING SERVICE

(601) 856·0911 f (205) 758·8610

TIMES OF STOrJE CO
WIGGINS. N'S
Circulation::: 2350
WEEKLY
02/18/2010
11""111111"1111""11111111 1111111

... . .... j"{'J'
~. La "gest Audiology practice on the Coast
Baa
- HEARlNGAIDS
by ENT physician
• Basic tmoughAdvanced circuity
· the Ear hearing aid
• 30 day trial periodll year warranty/
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SUN-HERALD
BILOXI , MS
Circulation = 56643
DAILY
02/24/2010
111111 11 11111111111111111111 11 1111111
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MESSENGER
OKOLONA, MS
Circulation = 1165
WEEKLY
02/24/2010
1111111111111111111111111111111111111
BBB Offers advice to

/~
residents on recent scams
Particularly in a tough econ pop-up ads. Sometimes they

omy, scammers are using a vari even knock on doors.
ety of methods to separate "We regularly field calls from
trusting, elderly or vulnerable the victims of these scammers,"
consumers from their money. said Bill Moak, President/CEO
They use the telephone, mail and of the Better Business Bureau
E-mail as well as print and online (BBB) Serving Mississippi.
"Scammers often work outside
the U.S., beyond the reach oflaw
enforcement agencies. And they
often prey on those who are look
ing for ways to make extra
money."
The following is a sampling of
the most recent scams effecting
consumers across the country:
·Delinquent debt. Scammers
try to collect bogus debts
high-pressure strong-arm tactics.
Secret Shopper. They offer op
portunities to spend someone
else's money for a marketing or
consumer research organizatioo.
In reality, it is the consumer's
own money being used.
· Advance Fee Loans. Loans are
offered, regardless of credit rat
ing, to payoff debts or make
ends meet. Up-front fees are re
quired to obtain such loans.
· Getting a Job without really
trying. For a fee, scammers offer
to get your application to the per
son hiring and get it there ahead
of others' applications.
·Work at Home - Easy as Twit
ter. Opportunities to make hun
dreds of dollars daily by
links on Twitter.com.
· PayPal or online banking ac
count is frozen. Bogus emails
spread the news. Now text mes
sages have begun.
·Gone "Phishing". Phishing E
mail messages try to solicit per
sonal information or get
consumers to click on bogus
links in the messages.
·Pyramid Schemes. Also
called "Multi-tier Marketing",
these scams recruit product sales
people/recruiters. Although not
all multi-level business arescams,
this tactic is often used by scam
mers.
There are several ways to
. check out an offer or report a
scam:
'Contact the Better Business
Bureau (www.ms.bbb.org or
800-987-8280)
'Check the FBI internet crime
Web site (www.IC3.gov)
· Contact the Attorney Gen·
eral's Office Consumer Protec·
tion Division (www.agjimhood.
corn or 800-281-4418)
MAGNOLIA
CLIPPING SERVICE
(601) 856-0911 I (205) 7oB-86W
WOODVILLE REPUBLICAN
WOODVILLE, MS
Circulation 2550
WEEKLY
02125/2010
11111111 :11'"'''11111111''' 1I1I11I11
Important Facts Told !About
Upc9\ming' Census Operation
)~cJ
Due to a current rash of cial Seeurity number, bank sentation.
email messages being sent account information, or cred "If someone contacts you
falsely under the name of it card numbers. claiming to be working for
the Census Bureau, the Bet • The information re the Census Bureau before
ter Business Bureau (BBB) quests will be in the form of April, they are probably try
Serving MiSSiss'ijipi offers 10 simple questions relating ing to obtain your personal
the following factoids about to name, gender, age, race, information illegally," said
the 2010 census: ethnicity and home owner Bill Moak, President'CEO 0
• The U.S. Census Bu ship. Your answel"/l are pro the Mississippi BBB. "Re
reau will not send email tecied by law and (lOt shared member, too, that all vali
messages to obtain or verify with anyone outside of the door-to-door census worke
information or to solicit do Census Bureau. will have proper identifica~
nations • Citizens are required tion, a hand held device for
• Census workers will by law to respond to the cen gathering information and
not begin going door-to-door sus information requests. confidentiality notice."
until April. The campaign The data collected is used in More information abou
will end in July. allocation of federal funds the upcoming 2010 censu
• Field representatives and in determining each can be found online at cen
will never ask for your So state's Congressional repre sus.govI2010census.
......
MAGNOLIA
CLIPPING SERVICE

(601) 856·0911 I (205) 758.8610

STONE CO ENTERPRISE
WIGGINS, MS
CirculatIon::: 2881
WEEKLY
02/24/2010
11111111111111'ilil/ill/ll"Ii1/;1 U
I
BBB offers advice on recent scams
d-~
Particularly in a tough use the telephone, mail from the victims of these
economy, scammers arc and E-mail aswellasprintscammers;.said Bill Moak,
using a variety of methods and online pop-up ads. President/CEO of the
to separate trusting, elderly Sometimes they even Better Business Bureau
or vulnerable consumers knock 011 doors. (Bllli) Serving Mississippi.
from their money. 'Ibey We regularly field calls "Scammers often work out
side the U.S., beyond the
reach of law enforcement
agencies. And they often
prey on those who are
looking for ways to make
extra money."
The following is a sam
pling of the most recent
scams.
Delinquent debt.
Scammers try to collect
bogus debts using high
pressure strong-arm tac
tics.
Secret Shopper. They
offer opportunities to
spend someone else's
money for a marketing or
consumer research organi
zation. In reality, it is the
consumer's own money
being used,
Advance Fee Loans.
Loans are offered, regard
less of credit rating, to pay
off debts or make ends
meet. Up-fhmt fees are
required to obtain such
loans.
Getting a .Job without
really trying. For a fee,
scammers offer to get your
application to the person
hiring and get it there
ahead of others' applica
tions.
Contact the Better
Business Bureau
..http://wV\.·w.ms.bbb.org..
www.l11s.bbb.org or 800
987-8280) .
MAGNOLIA
CLIPPING SERVICE
(601) 856-0911 I (205) 158-8610
TIMES OF STONE CO
WIGG IN S. MS
Circulation;;: 2350
WEEKLY
02/25/2010
11111 111 1111111 1111111 111 111 11 111 1111
•
Largest Audiology practice on the Coast
--
BBB
HEARINGAIDS . Comprehensive Ear Evaluation
by ENT physician
hearing aid
• 30 day trial period! 1 year warranty/
free cleaning
228-863-6592
MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 758·8610

MISSISSIPPI PRESS
PASCAG OULA. MS
Circul ati on = 21038
DAIL Y
02f18f2010
1111111 111111111111111111 111111111 III
SPECIAL PROMOTION
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PATIO or CARPORTS
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(601) 856·0911 I (205) 758·86 10

PRESS REGISTER
CLA RKSDA LE, MS
Circulat ion = 6290
DAllY
02/17/2010
1111111111111111111111111 111111111111
Auto sale and Repairs

DISCOUNT PRICES
WE FIN'A ] TeE OUR ACCOtJNTS
BUMPER TO B UMPER
AUTO RE PAJRS
---
BBB
805 South State- Street Hwy. 61 S
(662) 62 1-9993
MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 758·8610
TIMES OF STONE CO
WIGGINS, MS
Circulation;; 2350
WEEKLY
0212512010
111111111111111 1111111111111111111111
ioa~~~,~,:~,:gy~~~~~t~~!:~
.-! HEARINGAIDS
by ENT phys ician
• Basic through Advanced circu ity
the Ear hearing aid
• 30 day trial period! 1year warranty/
free cleaning
Dr. Sam Robinson, M,D.
MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 , (20 5) 758·8610
SOUTH REPORTER
HOLLY SPRINGS, MS
Circulation =: 501 8
WEEKLY
0211812010
111111 II 111111111111111 11il1111111111
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Sardis, MiS 3a666 662·562·5OC2 I)
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PI CAYUNE ITEM
PI CAY UNE, MS
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QUITMAN CO DEMOCRAT
MARKS, MS
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I
\1\ 1111111\111\111111l1li1'II Ii i\ ,II
\
BBll offers advice on online debt settlement companies
j!\.,.. ,I "".
RiU"aand, MS, J~ulll;ln 2010 - determine your debt settlement BBB or TASC (Track Association
The B;tter 13 lI;,inc", Sure;ill (B13S) budget. • of Settlement Companlesr'
Serving 'vlls,i"" ppl of:';:r< :idYll'e How long wi II it take to complete "To sLIm it LIp, YOLI ,il<luld consider
on selecting 1,'put~lhle l)!lline the program') It generally takes at the factors mentioned above before
compani,'s I'or pc:t'ple cOllsickring least 2 years (often 3), so offers of making your final decision:' said
debt settlement th II solutioll to completion in less time areadefinite Bill Moak, President/CEO of the
exceSSl\ edebt. As)'; these questions: red 11:10:, Mississippi SBB, "If you make the
Are there I11I11/mlilll n:quin:melHs How-much money dD they cinim wrongdecisiol1,You wtlllikdyhave
set for ;lpplic;lnh') Companies that 10 able to save you? Most online to suffer the consequences for a
just want to grab business probably settlement companies offer the long time:'
at'en'[ really C'OlKcrned about the abilitytosave40-609C of the clienf s To obtain a Reliability Report on
financi;d nee(b of their dients, total debt. Be sure to cakulate your companies, visit tile BBD's Web
What is the co" of t:1C program') sanngs by Including the settlement site (\\w\-v,l11s,bbb,org) or c,ll r their
You need to knl'" the cost Df service fees, Automated Response Line (800
servIces )11 ordei' to IHollcrly Is the company accredited by the 987-8280),
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i
IRS facts from BBB

F~~is about claiming Haiti
I
donations as tax deductions I
Ridgeland. MS, - If you are specific individuals or families. i

donating to charities currently Only cash contributions qualify
providing earthquake relief in - those made by text message,
Haiti, you may be abI", to claim check, credit card or debit card.
those donations on your 2009 tax You must itemize your
return. deductions in order to claim these
The Better Business Bureau donations on your 2009 tax return.
(BBB) Serv ingtv1is'sTssTppi shares You have the option ofdeducting
these"Tnlportant IRS facts these contributions on either your
regarding this special provision: 2009 or 2010 return, but not both.
Contributions must be made Contributions made to foreign
specifically for the relief ofvictims organizations generally are not
in areas affected by the January l2 deducti ble.
earthquake ill Haiti. Receipts must be maintained to
Donations must be made after support contributions. For text
January 11, 2010 and before message donations, a telephone
March 1. 2010 to qualify. bill will meet the record-keeping
Donations must be made to requirement IF it shows the namei
qualified charities and cannot be of the receiving organization as
designated for the benefit of well as the date and amount.
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MS LINK
JACKSON, MS
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BBB_"CENSUS ALERT: Know the Facts
-l,,:>v
Special to The Mississippi Unk • Census workers will not begin law and not shared with anyone information illegally," said Bill
---~-~"~-
Due to a eurrent rash of email going door-t<HIoor until April. The outside ofthe Census Bureau. Moak, president/CEO of the
messages being sent falsely under campaign will end in July. • Citi7ms are required by law to Mississippi BBB.
the name ofthe Census BUffilU, the • Field representatives will never respond to the census information "Remember, too, that all valid
Better Business BUffilu (BBB) ask for your Social Security num requests. The data collected is used door-to-door census workers will
Serving M'iSSissippi oHefS the fol ber, bank account information, or in allocation offederal funds and in have proper identification, a hand
lowing factoids aOOut the 2010 credit card numbers. detennining each state's Congress held device for gathering informa
census: • The infoonation requests will ional representation. tion and a confidentiality notice."
• The U.S. Census Bureau will be in the fmm of IO simple ques "If someone contacts you claim More iriformation about the
not send email messages to obtain tions relating to name, gender, age, ing to be working for the Census upcoming 2010 ce/1SUS can be
or verifY information or to solicit race, ethnicity and home owner Bureau before April, they are prob found online at
donations. ship. Your answers are protected by ably trying to obtain your personal ceI1SUS.govl20lOcensus.
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SPIRIT OF MORTON
MORTON, MS
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BBB CENSUS
/"Y ALERT
Know the Facts
Ridgeland, Febru
ary 23' - Due to a current
rash of email messages be
ing sent falsely under the
name of the Census Bureau,
the Better Business Bureau
(Bm!) Serving Mississippi
offers the following factoids
about the 2010 census:
The U.S. Census
Bureau will not send email
messages to obtain or veritY
information or to solicit do
nations
Census workers
will not begin going door
to-door until April. The cam
paign will end in July.
Field representa
tives will never ask for your
Social Security number,
bank account information,
or credit card numbers.
The information re
quests will be in the form
of 10 simple questions re
lating to name, gender, age,
race, ethnicity and home
ownership. Your answers
are protected by law and not
shared with anyone outside
of the Census Bureau:
Citizens are re

quired by law to respond to
the census information re
quests. The data collected
is used in allocation of fed
eral funds and in determin
ing each state's Congres
sional representation.
"If someone con
tacts you claiming to be
working for the Census Bu
reau before April, they arc
probably trying to obtain
your personal information il
legally," said Bill Moak,
President/CEO of the Mis
sissippi BBB. "Remember,
too, that all valid door-to
door census workers will
have proper identification, a
handheld device for gather
ing information and a con
fidentiality notice."
More information
about the upcoming 20 I 0
census can be found online
at cenSIl~, rrnv/?O lOr",,,.,,.
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JACKSON, MS
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COMMERCIAL APPEAL
MEMPHIS, TN
DAilY
02/28/2010
111 WI IIIIIIIIIIIIII!!IIIIIII IIIII
__11'6...)
PEOPLE IN';~SINESS
Tom Louvadie
Alexander King
• Bennie
L. Cobb was
. recently
elected to the
board of
directors for
the National
Alliance on
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Memphis Waddell Lindley Sanders
chapter.
Bennie Cobb is the CIT coordinator with the Shelby County
Sheriff's Office.
• Jo Garner has joined the mortgage team at Evolve Bank

and Trust as a mortgage loan officer. She is the founder of
the Talk Shoppe events at the BetteLe.Y.~lIl~1~ Bureau .
• Tom Alexander has joined Agape Child & Family
Services as director of operations. Louvadie King, has been
named director of clinical services and Clark Short has been
named director of the Jackson, Tenn. , office. Lori Humber
has been named volunteer coordina tor.
• Amanda C. Waddell, Geoffrey A. Lindley, and Craig P.
Sanders have been named partners in Rainey, Kizer, Reviere
& Bell.
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MEMPHIS, TN
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COMMERCIAL APPEAL
MEMPHIS, TN
DAILY
02/28/2010
11111 \III 11111111111111111111 11111111
, .J ~";.
Shane McDermottl1he Commercial Appeal
FOR YEARS, Sharon Harper went to a well

known tax preparer, with storefronts all.around
ax
t?wn, to have her taxes prepared.
Last year, she spent $389 to have her taxes done,
and that wasn't even to get a rapid refund
rujticipation loan, the worst practice of the predatory WENDIC.
lending industry that focuses on the poor and THOMAS
uninformed. Her refund didn't come for two weeks.
. The preparer told Harper she had 15 . TAX PREPARATION

years of experience, but colildn't seem HELP ON THE CHEAP
to answer Harper's questions. As for For free'or low·cost help
planning for next year, the preparer had preparing your tax return,
no advice at aU. ca ll 211 to find the Volunteer
"I felt like r was just someone in there Income Tax Assistance site
they didn't care about and they just l closest to you, and the
Knowledgeable, jree help wanted my money," said Harper, who is
married and works at a uniform
,:
! .'
hours the site is open.
Other software·based
company. preparers:such as Turbo Tax
jrom VITA program jrees Not so this year, when Harper
'
" I
and Tax Act, often offer free

followed the advice of a friend and got I filing for those wh o use the
payers jrom outlandish jees her taxes done for free, through the I 1040EZ form, and nominal
Internal Revenue Service's Volunteer ; fees for th ose with more
oj comrt}ercial preparers Income Tax Assistance program, or
VITA. .
complicated returns, if the
returns are completed
Harper spent le~n two hours at online.
. /
, . . (P};;Pe see TAXES, V~
"This is about being able to fully participate in the economy, because they know the jargon, they khow
the instruments, they know the questions to ask." ,

t- JULIA HEATH. a professor of economics at the University of Memphis and director of the un;ve,.sity 's Center for E~(momic EducatiOn
•
~~ge IS power
'/') .
iTAX9"
( .Canmtued Innn page Vi
the VITA site in Southland Mall
- a fraction of the six or so hours
she used to spend at her
commercial preparer.
And the VITA tax preparer
armed with the mandatory 60
hours of training and with years of
experience under her belt - told
her things she'd never heard from
her other preparer.
"She got me the direct deposit,
and it was there in less than a
week," Harper said. The questions
Harper had, the preparer
answered. Other questions Harper
didn't even know to ask, the
preparer brought up and
explained. .
"She told us about itemizing and
a lot of different things, so I actually
learned something from her that
could be valuable for next year,like
keeping my receipts from Sal'<ati.Qn
l\IJll¥ donations and my receipts
from my donations to church.
"She taught us a whole lot."
One of Harper's daughters had
planned to go to Mo' Money
Taxes, they of the outlandish
commercials and even more
outlandish fees. The Be.tter
Business Blli.eau has giveflMo'
Money Taxes a grade of D-; the
company failed to even respond to
seven of the 11 complaints filed
against it in the past three years.
So Harper drove her da ughter Mike Maple!The CommerCial Appeal files
around to get estimates, and once
her daughter saw how much it The Internal Revenue Service's Volunteer Income Tax Assistance program again this year is offering free tax return preparation help to low
would cost to have her taxes and moderate-income Memphians. In ,this 2007 photo. Sheneda Porter (left) got assistance with her tax return from volunteer Karen Smith at
prepared by the better-known the VITA office In Macy's In Southland Mall.
companies, she too wa s a convert
to VITA, which offers free tax "which is something we can't say funds for the promotion of teaches for employees of program is the one Richardson
preparation to those with incomes for paid preparers," Howard said. teaching all citizens within this businesses and nonprofit would like to expand to adults.
generally under $49,000. (The She also works to get low- to state the basics about financial organizations. "We would not take our
median annual income in Memphis middle-income people into the education." "If a person's issue is teenager and with no instruction
is $32,315, so most of Memphis is Money Smart program, which Already, Tennessee is one of a overspending, even if they got a whatsoever, give them the keys to
eligible for VlTA help.) includes an explanation of the few states that mandate finanCial large sum of money, they would the car and say good luck," Heath
"It's a cycle that has to be dirty side of refund anticipation education in high school, and if still go through it because they said.
broken," Harper said of the loans. passed, HE 3113 could spread the haven't addressed the reasons they "This is about being able to fully
reliance on unwise financial RALs are "refund" checks that knowledge to aduIts. overspend," Tillery said. participate in the economy,
products, be they high-fee tax tax preparation companies issue to "I came up here wanting to do "All they see is the immediate because they know the jargon,
preparers or pushers of refund their clients in advance, often in something about it and when I needs of that money." they know the instruments, they
anticipation loans or those who just minutes, based on the amount started getting into it, it started She works with people who are know the questions to ask. n
hawk payday and car title loans. of the client's estimated IRS getting more and more leery of putting their money in a Times have changed from the
refund. RALs can come with high complicated," Richardson said. bank and would rather keep it on days when a 20 percent down
Education is key fees and an interest rate as high as For example, she learned that them - physically. payment was mandatory to
And the best way to break it is 500 percent. payday loans aren't loans at all, Often, they have no spending purchase a house, Heath said.
education, according to state Rep. "If for some reason the IRS under Tennessee law, but "early plans or budget, no emergency "Your parents didn't have to
Jeanne Richardson, who is rejects their loan or they don 't get presentments," and thus not savings, and don't care that they're navigate the complexity that's out
introducing legislation dealing the money they anticipated, regulated by legislation directed at giving away money the there."
with some of the worst lending they're going to pay interest on lenders. . government owes them by But today, "Magic Johnson is
practices, and Yvonne Howard, a their loan," Howard said. And she learned that low-dollar spending $300 to have their taxes hawking rent-to-own" furniture,
United Way community impact "You thought you were only loans are hard to get, especially by prepared by one of the well-known Heath said. "It's shameful, and even
specialist. . spending $300 to $400 to get your the low-income households that preparers. people who come from educated,
"Our people perish for lack of money that day, but you're going need them most. Payday lenders Tillery tells students they can go well-informed families, there's just
knowledge," said Howard, to end up spending $300 or $400 "fill a niche that traditional banking to irs.gov, e-file and have their something about finances that just
paraphrasing Scripture. more on that interest rate. institutions don't - you can get a refund in less than a week, "but brings them to a stop."
Howard coordinates the VITA "People, even in this day and quick $500 to get the car fixed, or that doesn't really mean anything." Heath is as much realist as she
sites across the Mid-South. She age, still say, 'I don't know,' but deal wi th some emergency. Instead, the students return to is idealist.
also works with the Earned that's not an excuse anymore." . HB 3512 would encourage Mo' Money Taxes, H&R Block, "As reprehensible as I think
Income Tax Credit Alliance, a credit unions whose customers are Jackson Hewitt, Liberty Taxes and these places are, there's a need for
partnership of the IRS, banks, Legislative action mostly state employees to make . other tax preparers. thes e kind of things," she said.
businesses, government and It will be even less of an excuse low-fee, low-dollar ($500 and It's about breaking habits It all highlights the same
nonprofit agencies, whose mission if legislation proposed by under) loans available to their and habits around money are hard fundamental problem Tillery faces
is to improve financial literacy and Richardson and a cadre of other customers. to break. - the desire to have it all, and
help people build assets. Tennessee lawmakers is p')ssed. Legislation and education are a That's especially true when now, with no thought for the
Through the Mid-South VITA Richardson, a Memphis solid start, but the root of the talking about money is a taboo future - and "the solution is to
sites, more than 8,000 2008 tax Democrat, is introducing a problem goes far deeper than any topic, even among educated get people not so focuse.d on
returns were prepared, Howard package of five related bills to bill or book could ever reach: a families, said Julia Heath, a instant gratification," Heath said.
said, bringing $11 million back address usurious practices, materialist society, impatient and professor of economics at the "For this state to prosper, people
into the community. although none deals with refund trained to want everything now, University of Memphis and need to be able to make better
One month into the current tax anticipation loans directly. The no matter the cost. director of the university's Center decisions about everything."
season, VITA sites in Tennessee one she has the most hopl< for is Alisha Tillery of the RISE for Economic Education.
have done 2,700 returns, HB 3113, which would charge Foundation, which builds the "Even in fanillies where there's Contact Wendi C. ThflTTlas at (901)
529-5896 or e-mail
representing a savings of $405,000 payday lenders a $2,500 fee. community's understanding of 110 worry about going paycheck to th omasw@lcommercialappeal.com ,
in fees to commercial tax The money would go toward "a money through various programs, paycheck, parents somehow think
preparers. To "ead past columns, go to
special financial literacy trust fund . confronts these destructiv.e their kids are going to pick that up commercialappeal.com/wendi. You can
VITA volunteers are trained earmarked for the sole purpose of attitudes about money in the six by osmosis," said Heath, whose also follow Thomas at
through the IRS and are certified, generating revenue to provide week Common Cents classes she Smart Tennessee financial literacy tuJitler.com/weJlrii_cthomas.
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Circulation = 56643
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(601 ) 856·0911 I (205) 758·8610

SUN-HEHALD
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Circul ati on :.. 56643

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Ci rc ulatio n = 21038
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(601) 856·0911 I (205) 758·8610

SUN-HERALD
BILOXI, MS
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(601) 856-0911 I (205) 758-86 10

MISSISSIPPI PRES S
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Ci rcul ati on : 21038
DA ILY
02/28/2010
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MAGNOLIA
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(601) 856-0911 I (205) 758-8610

NEW ALBANY GAZETTE
NEW ALBANY, MS
Circulation =5923
WEEKL Y
02/24/2 010
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(6 01) 856-0911 I (205) 758-8610
SU N-HERALD
B ILOXI, MS
DAIL Y
03 /02 /2010
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MAGNOLIA
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(601) 856-0911 I (205) 758-8610
SUN-HERALD
BILOXI, MS
Circulation:: 56643
DAILY
03/03/2 010
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MAGNOLIA
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COMMERCIAL APPEAL
MEMPHIS, TN
eirctA'lion =236625
DAilY
03/03/2010
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MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 7~8·8610
MESSENGER
OKOLONA, MS
Circulation = 1165
WEEKLY
03/03/2010
\1111111111111111111111\1 III 1\ II1I111
BBB EXl?l~ins Impact of New

Credit Ciiel Regulations
February 22 was when new to payoff the balance under the
consumer protections kick in that original terms,
are laid out in the Credit' Card Older age restrictions added.
Accountability Responsibility Card issuers are no longer al
and Disclosure Act of 2009 lowed to issue a credit card to
(CARD). The Bctter Business anyone under 21 unless they can
Bureau (BBB) Serving Missis prove they have the means to
sippi cxplaim what these new na 'repay debt or if an adult over 21
tionwide consumer protections co-si gns on the account. Credit
mean to cardholders. card companies also filce new re
It is reported in a strictions on how they can pro
CreditCards.com survey that mote cards to' college students
nearly 75 percent of cardholders and can no longer offer free gifts
admit to not reading the terms as enticements.
and conditions of theit credit New rules for monthly state
cards, The BBB recommends ments. In response to complaints
that all card holders familiarize that bill due dates were being
themselves with the fine print moved up-and leading to in
and review the new provisions creased late fees-monthly state
set out by the new CARD Act. ments must now be mailed or
"Credit card debt can mount delivered 21 days prior to the due
when times arc tight, and con date. Additionally, card issuers
sumers need to take the time to can no longer set a payment
understand the fine points oftheir deadline before 5 p.m. and can
credit card agreements and thc not charge card holders if they
different fees and penalties that pay online, over the phone or by
can chisel away at the family fi mail-unless the payment is
nances," said Bill Moak, Presi made over the phone either on
dent/CEO of the Mississippi the due date or the previous day.
BBB. "While CARD provides Overpayments go toward high
more consumer protections, card est interest balances, If the card
holders ~1i11 need to keep an eye holder has varied interest rates
on changes to their accounts and .furdifferent services or accounts,
rcspond quickly if they aren't sat any overpayments must be ap
isfied." plied to those that are incurring
Following are just a few of thc the highest interest rate,
ncw credit eard regulations and Over the limit opt-in. Card
consumer protections as a result holders must opt-in to be able to
of the Credit CARD Act: exceed their credit limit-and
More notice for interest rate subsequently be charged an ovcr
changes. Card issuers must give limit fee by the issuer, If a card
an advance notice of 45 days holder chooses not to opt-in, then
when making interest rate he or she will not be able to ex
changes. Additionally, promo ceed their credit limit and incur
tional rates must last for at least any resulting fees,
six months and, unless disclosed Increased disclosure on mini
up- front, card holders cannot mum payments. Card issuers
have their rate increased in the must disclose how long it will
first year, take the card holder to payoff
Cardholder opt-out If there are their bill ifthey pay only the min
significant changes made to the imum monthly payment as well
terms ofthe account, card holders as how much the they would
can choose to rej ect those need to pay every month to pay
changes and will have five years off the balance in 36 months.
Say goodbye to double-billing
cycles. When calculating finance
charges, card issuers can no
longer employ twQ:£Yc1e or dou
6Ie 6Iihng) . a il1ethod that causes
cardholders to pay interest on
previously paid balances.
To learn more about the new
consumer protections, Credit
cards.com has a comprehensive
breakdown of the CARD Act of
2009.
MAGNOLIA
CLIPPING SERVICE
(601) 856-0911 I (205) 758-8610
DAILY CORINTHIAN
CORINTH . MS
Circulation = 6714
DAILY
02/28/2010
1111111111111111111111111111111111111
• CENSU 2010 ~psus ...
~pagelA
C'-m i eeto I
Corinth's 2000 census resul t was 14,054, and
Mayor Jerry Latch has previously said he believes
the city's population is now more than 15,000.
communities across the country a nd determine each
state's nunlber of representatives in the U.S. House
of Representatives_
spread the word The streamlined 10-question form is designed to

boost participation. The Census Bureau is consider
ing allowing Internet response in the future_
Census workers will not begin going door to door
until April, and no communications will be made by
e-mail to obtain or verifY information _ number of
fal~f' eo
-mails are circu lating lIlder the name of the
aboul cens s The census results will determine how more than
$400 billion in federal monies will be distributed to
Census Bu reau, acco rding to the Better Business
Bureau of Mississippi_
By Jebb Johnston
Staff Writer
Corinth's Complete Count Committee for Cen

sus 2010 will begin a promotional push Monday [,0
spread the wOl'd about the importance of the upcom
ing head count.
Members of the committee will be at Walmart
on Monday from 11 a.m. until 1 p.m. to distribute
information about the census. A recruIter tor ~
emplov.ment is also expected t.o he on haml to an·
swer questions about ceDSUS job .
T he committee's role in the census is promotional ,
and chairman Kim Ratliff of the city's ommunity
Development an d Planning Department said they
want to make sure the message of the importance of
the census reaches all segments of the population.
"We are particularly hard pressed to get informa
tion to the Hispanic population," he said. .. 'nsuring
that we have vital services available to them is go
ing to be very much dependent on t heir participa
tion in the census."
Census fo rms will be arriving in nUlilboxes around
mid-March.
Participation in retu rn ing census questionnaires
trailed the national level in both Mississippi and on
the local level during the 2000 census. According to
the Census Bureau, national participation by mail
in 2000 was 72 percent. Mississippi's participation
by mail was 66 percent, and t he number in Corinth
and Alcorn County was even lower at 62 percent.
r s.ee Censu s, Page l OA

MAGNOLIA
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SUN SENTINEL
CHARLESTON, MS
Circulation =2142
WEEKlY
03/04/2010
111111111111111111111 II "111111111111
Ne~ credit card regulations aid consumers
S~JTbe Sun-Sentinel anea. If the card holder bas charged an over-limit fee by er to pay off their bill if they
varied interest rates for differ the issuer. If a card holder pay only the minimum month
RIDGELAND New ent services or accounts. any chooses not to opt-in, then he Iy payment as well as how
consumer protections kicked overpaymentS must be or she will not be able to much the they would need to
in Feb. 22, courtesy of the applied to those that are incur exceed their credit limit and pay every month to pay offthe
Credit Card Accountability ring the highest interest rate. incur any resulting fees. balan.ce in 36 months.
Responsibility and Disclo • Over the limit opt..m. • IDI:reased dbcIc:lslme on To learn more about the
sure Act of2009 (CARD). Card holders I:llmt opt-in to minimum payments.. Card new consumer protections,
The Better Business be able to exceed their credit issuers must disclose how creditcards.com has a com
Bureau (BBB) in Mississippi limit - and subsequently be long it will take the card hold prehensive breakdown.
explains '"WIiiit these new
nationwide consumer pr0tec
tions mean to cardholders.
Following are just a few of
the new credit card regula
tions and consumer protec
tions as a result of the. Credit
CARD Act:
• More notice for interest
rate changes. Card issuers
must give anadvance notice
of 45 days when making
interest rate changes. Addi
tionally, promotional rates
must last for at least six
moad»rllRd, unI_ disclosed
up-front, card holderS cannot .
have their rate increased in
the first year.
o Canlholder opt-oot If
there are significant changes
made to the terms of the
account, card holders can
choose to. reject those
changes and will have five
years to payoff the balance
under the original terms.
o Older age restricI:inos
added. Card issuers are no
longer allowed .to issue a
credit card to anyone under
21 unless they can prove they
have the means to repay debt
or if an adult over 21 co-signs
on the account. Credit card
companies also face new
restrictions on how they can
promote cards to college stu
dents and can no longer ofrer
free gifts as enticements.
• New rules for monthly
statements. In response to
complaints that bill due dates
were being moved up, leading
to increased late fees, monthly
statements must now be
mailed or delivered 21 days
prior to the due date. Also,
card issuers can no longer set
a payment deadline before 5
pm. and cannot charge card
holders if they pay online,
over the phone or by mail
unless the payment is made
over the phone either on the
due date or the previous day.
o Overpayments go
toward highest interest bal
MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 758·8610
SUN-HERALD
BILO XI, MS
Circulation:= 56643
DAILY
03/02/2010
1111111\\l1111Il11111 111111111II11I11
OW t,i Tell When Someone is

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MAGNOLIA
CLIPPING SERVICE
(601) 856·0911 I (205) 758-8610
WOODVILLE, MS
Circulation =2550
WEEKLY
03/04/2010
11I11I1111111WIII'lllllilllllllllll
BBB Offers Advice On Online

D.ebrSettlement Companies
The Better Business Bu gram? You need to knaw the Is the company accredited
reau 0:illID Serving Mississip cost of services in order to by the BBB or TASC (Trade
pi offers advice on selecting properly detemrine your debt Association of Settlement
reputable online companies for settlement budget. Companies)?
people considering debt settl& How long will it take to 1'0 sum it up, you should
ment as a solution to exressive complete the program'? It gen mnsider the fuctors mentioned
debt. Ask the following ques erally takes at least 2 yeara (0r above befure making your final
tions: ten 3), so o:ffurs ofcompletion in decision," said Bill Moak, Presi
Are there minimum re less time are a definite red flag. dentJCEO of the Mississippi
quirements set fur applicants? How mudl money do they BBB. "If you make the wrong
Companies that just want to claim to be able to save you? decision, you willlilrely have to
grab business probably aren't :Most online settlement compa suffer for a long time."
really concerned about the fi nies offer the ability to save 4().. To obtain a Reliability Re
nancial needs of their clients. 60% of the client's total debt. port on companies, visit the
What is the cost of the pro- Be sure to calculate vuor sav BBB's Web site (www.ms.bbb.
ings by including the settle org) or call their Automated
ment ser\'ioo fu.es. Response Line (00()'987-8280).
MAGNOLIA
CLIPPING SERVICE

(601) 856·0911 I (205) 758.8610

WOODVILLE. MS
Circulation = 2550
WEEKLY
03/0412010
IIIIIIIIIIIIIIIIIII!IIi 1/11111II1I III
Sel~\A.ccount~
P~ords
Carefully
In light of the continued
spread of identity theft, the
Better Business Bureau
(BI}Bl Serving Mississippi
warns against using easy or
common passwords on ac
counts. Consumers are also
cautioned not to use the
same password for multiple
acrounts.
"Despite all of the recent
information about the wide
spread violations of secority
and stealing of personal in
formation, many people still
are reacting with a shrug,"
said Bill Moak, President!
CEO of the Mississippi BBB.
"It amounts to playing into
the hands of hackers and
identity thieves."
Based on a recent survey
of 32 million passwords that
hackers stole in one month
from social networking sites
(Facebook, MySpace, Twitter,
etc.), the following are com- _
mon widely-used passwords \
fuund:
-12345 .
-123456
-1234567
-12345678
-123456789
• password
• iloveyou
• iloveu
·Ahcl23
-654321
-nnll
-0
Some Web sites are forc
ing users to mix letter, num
ber and symbols in their
passwords in an attempt to
thwart hackers. Having com
monly used passwords
makes the hackers' job much
easier. The prevalence of fast
computer and speedy net
works provides them the op
portunity to make thousands
of password guesses per
minute.
"It is important to take
every precaution possible to
avoid being a victim of iden
tity theft," Moak continued.
"Even though it may be
somewhat inconvenient, we
would encourage everyone to
use a variety of acrount pass
I words."
MAGNOLIA
CLIPPING SERVICE

(601) 856-0911 I (205) 758·8610

WOODVILLE, MS
CirculatIOn = ]550
WEEKLY
03/04/2010
IIIIIIIIIIIIIIIIII!IIIIIIII/IIIIIIIII
. BBB OlI'ersAdvice
On..Recent ScBDIS
':).,ftl
-'i1rrtiCuJarly in a tough emn
amy, 8Cammers are using a va
riety of methods to separate
trusting, elderly or vulnerable
consumers from their money.
They use the telephone, mail
and E-mail as well as print and
online pop-up ads. Smnetimes
they even knock on doors.
"We regularly field calls
from the victims of these scam
mers," said Bill Moak, Presi
dent/CEO of the Better Busi
ness Bureau (BBB) Serving
Mississippi. "Scamtners often
work outside the Us., beyond
the reach of law enfurcement
agencies. And they often prey
on those who are looking for
ways to make extra money."
The fOllowing i.,q a sampling
of the most recent sca:rns efiectr
ing consumers acma~ the c0un
try:
• Delinquent debt. Scam
mers by to collect bogus debts
using high-pressure strong
ann tactics.
• Secret Shopper. They of
fer opportunities to spend
someone else's money for a
marketing or consumer re
search organization, In :reality,
it is the consumer's own money
being used.
• Advance Fee Loans.
loons are offered, regardless of
credit rating, to payoff debts or
make ends meet. Up-front tees
are required to obtain such
loans.
• GeWng a .klb without 1\1
ally trying. FbI' a fuc, scammers
offer tn get your application to
the person hiring and get it
there ahead of others' applica
tions.
• Work at Home - Easy as
Twit1nr. Opportunities to make
hundreds of dollars daily by
posting links on Twittor.com.
• PayPal or online banking
aerount is frozen. Bogus ernaiIs
spread the news. Now text
messages have begun.
• Gone "Phi..lUng." Phish
ing E-mail messages by to s0
licit personal infumJation or get
consumers to click on bogus
links in the messages.
• Pyramid Schemes. Also
called "Multi-tier Marketing,"
these scams recruit product
salespeople/recruiters. Al
though not all multi-level busi
ness are srams, this tactic is of
ten used by scammers.
The following are ways to
check out an ofier or report a
scam:
• Contact the Better Busi
ness Bureau (www.1llS.bbb.org
or 800-987-8280)
• CheCk the FBI internet
crime Web site (wwwlC3.govl
• Contact the Attorney
General's Office Consumer Pro
tectio·li.-"Division (www.
agjimhood.com or 800-281
4418).
MAGN01.lIA
CLIPPING SERVICE
(601) 856-0911 I (205) nS-8610
MISSISSIPPI PRE SS
PASCAGOULA. MS
Circu lation:: } 1038

DAILY
03/04/2010
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S~ECIAL PROMOTION
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Payments as 1uw as 6.9% apr or
ROOM Payments as low as ' 139/ month
PATIO or CARPORTS
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MAGNOLIA
CLIPPING SERVICE

(601) 856-091 1 I (205) 758-8610
SUN-HERALD
BILO XI. MS
Circulation:: 5664 3
DAILY
03/06/2010
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MAGNOJ.lIA
CLIPPING SERVICE
(601) 856·0911 I (205) 7~ 8 ·8610
TIMES OF STONE CO
WIGGINS, MS
Circulation = 7350
WEEKLY
03/04/2010
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01 servi,es we n • .,•.,••
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When you miss some of the words in conversation, it tend to get you are unnoliceable when worn. They makes loud sounds soft and speech
down. ft 's not that you are deaf, you are just missing some of the hi gh clear and audible. If you are having lrouble hearing, call for a FREE
frequency consonant sounds: so "dime" may sound like "time," and Hearing Evaluation. Find out what you' re heari ng and whal you're
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FREE Hearing
i pleased to announce the release of the ew ANTHEM recei ver-in-
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Audibel Hearing Healthcare 2015Hwy 15 N, Suite C 3901 HardySt, Suite 100 ~

....
Laurel, MS 39440 Hattiesburg, MS 39402 BBS.
A CENTER FOR HEARI NG EXCELLENCE
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,
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ow to Tell When Someone is

Wearing Our Hearing Aids...
twinkle in
..., t x+ . . iI!' the eyes
;:::; ) pronounced
_~ --= ~. a smile lines
.sa o-Y
~ smile shows
r } genuine
satisfaction
When you miss some of the words in conversation, it tends to get are baving trouble hearing, call for a FREE Hearing Screening.
you down. It's not that you are deaf, you are just missing some Fi nd out what you 're hearin g and
of the high frequency consonant sounds: so "dime" may sou nd what you' re not. During March,
like "time," and "teach" may sound like " peach." Missing just we' re offering FREE Anthem
one word can make conversations confusing. NOW THERE' S demonstrations, take a pai r
GOOD NE'WS. Audibel is pleased to an nounce the release of home to try in your daily routine.
the New ANTHEM receiver-in-canal device. These fu lly digital

instruments are tiny computers that are un noticeable when worn.
They makes loud sounds soft and speech clear and audible. If you
~ Audibel Hearing Healthcare 433 Broad St., Suite A 3901 Hardy St, Suite 100 *Savings-otrMSRP
~ A CEN TER FOR HEARING EXCELLENCE Columbia, MS 39429 Hattiesburg, MS 39402

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SA~
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To see more plans, standard features and prices,come see our model home or visit us at www.rhinetta.com
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