Monday, February 23, 2015

Virtual Book Tour: The Gilded Cuff by Lauren Smith



Title: The Gilded Cuff
Author: Lauren Smith
Series: Surrender Series Book 1
Publisher: Grand Central Publishing
         Genre: Contemporary    


Every passion has its price . . .
Journalist Sophie Ryder has been following Emery Lockwood’s story since she was a little girl. There has always been something in his haunted eyes that she couldn’t resist and now, when she’s certain he holds the key to solving a string of kidnappings, she’ll do anything to speak to him. Even if it means venturing deep into the seductive world of the Gilded Cuff, a luxurious BDSM club on Long Island’s Gold Coast and Emery’s personal playground.
From the moment Sophie enters his shadowy, sensual domain, Emery Lockwood knows this tantalizing new little sub was meant to belong to him. However, Sophie wants more from Emery than just pleasure . . . she wants his past. And that is something he isn’t willing to give—no matter who is asking. But every moment he spends with Sophie, Emery feels his control slipping and he knows it’s only a matter of time before he surrenders to her heart, body, and soul.


About Lauren Smith:

Lauren Smith, Author
Amazon best-selling author Lauren Smith is an attorney by day, author by night, who pens adventurous and edgy romance stories by the light of her smart phone flashlight app. She’s a native Oklahoman who lives with her three pets—a feisty chinchilla, sophisticated cat and dapper little schnauzer. She's won multiple awards in several romance subgenres including being an Amazon.com Breakthrough Novel Award Quarter-Finalist and a Semi-Finalist for the Mary Wollstonecraft Shelley Award.

Connect with Lauren: Website  Facebook  Twitter 


Excerpt:

Emery held still, didn’t make a sound or move until she opened her eyes. When she did finally look up at him, he dropped his head a few inches, his nose touching hers, nuzzling her cheek.
“I’m not like other men, Sophie. Scars are a sign of strength, survival. Someday you’ll be brave enough to show me, and I’ll prove you have nothing to be ashamed of. Now, I am willing to accept the deal you proposed. Are you willing in return?”
She bit her lip. It had been her idea; she had to see it through. She wanted to see it through, even if it scared the living daylights out of her.
“Yes. I’ll do it. Your story, my submission.”
He kissed her with raw possession, his mouth showing her how wicked it would be between them. Wild, dark, and completely free. She wanted that more than anything, the freedom to let go, to give in to the erotic dreams she’d spent years ignoring but never had felt safe enough to give in to before. His kiss broke down every barrier, obliterated every part of herself she tried to hide. Sophie lifted her chin, offering him her mouth, pleading for him. Emery drew a quick breath, eyes widening before his lashes fell to half-mast, his gaze drawn to her lips.
When he took her lips, he dominated her with the depth of his claiming. She breathed him in, like drawing the first heavy breath upon waking from a thousand-year sleep. Sophie came alive in that single moment. The woman she’d been all these years since losing Rachel, the scared little girl fighting against the evils in the world, was gone. In her place was the woman she’d always wanted to be, a woman not afraid to live her life. She couldn’t shut this man out like she had her other friends or her family. No. He demanded she give in to him. Electric tingles pulsed outward from the places they touched, setting her senses on fire, fogging her mind. His kiss consumed her—enveloping her until she was lost, set adrift in a haze of desire, longing, and aching.
She felt his mouth tremble against hers; he seemed to strain to keep his possession under control, to bank the fires of his passion. His tongue slipped between her lips, thrusting in time with the rocking of his hips against hers in tiny circles. He gave up his control and took her over. His body weighed hers down, his hips rocking into hers. He could have done anything to her in that moment, and she’d have agreed to it. Sophie’s inner muscles clenched, empty and wet, yearning for him, but it was his kiss that was her downfall—almost brutal with craving, as though he was a thirsty man savoring his first sip of water from her mouth. All his focus, all his energy seemed to be on her, on her lips.
He tore his mouth from hers, panting roughly. He cursed savagely and withdrew his hands from her body. She blinked in surprise when she realized his hot hands had slid up her outer thighs beneath the mini-skirt. Her chest heaved, her breasts dangerously close to escaping the confines of her corset. Emery’s eyes slowly tracked down from her mouth to her breasts. With a rakish grin he pressed his mouth lightly on the tops of the creamy swells, his tongue darting out as he licked and nibbled a path back up to her lips. He paused, then feathered his lips at the corner of her mouth and brushed his nose against hers playfully.
Sophie whimpered at the loss when he finally drew his head back. It felt like good-bye, but that was foolish; she’d only just met him and agreed to surrender to him. They couldn’t be done.
Emery sighed, his breath uneven against her temple. His body stiffened above hers.
“Go home, Sophie. Forget me, this place. Let it be a peculiar dream, nothing more. I’m not the man for you.” His voice was harsh.
“No,” she whispered fiercely, but she wasn’t as sure of herself as she had been. She’d expected a spanking, some rough kissing. She hadn’t expected to feel so vulnerable and exposed by a man taking control of her body and owning her completely in a mere few minutes.
“You think you can really survive this lifestyle for even one minute? You’re vanilla, sweetheart. You wouldn’t ever let me tie you up and take you the thousand ways I’d like to. You’d cry when my hand came down on your ass in punishment. You’re not ready for this.”
She shook her head, furiously fighting off the swell of tears as her throat constricted. He and he alone had offered her what her secret dreams and longings had called for night after night. The phantom lovers that had tormented her to the brink of violent need in her dreams could never compare to the very real and very heavy weight of his body on hers at that moment. The devastation of that perfect kiss couldn’t be undone. The story could wait…but the need…the desperation to feel alive again…she couldn’t let go of that, not yet.
“No. Take me home with you.” She paused, calculating each word. “Please, Sir.” She was begging. There was no doubt about it for either of them, and as shocked as she was by her own impulse to beg, she prayed he’d let her go with him.
Emery’s lips twisted into a crooked smile. For a moment, she saw the boy in him, the one he’d been before his world had been utterly destroyed. The child wasn’t gone, wasn’t dead. Buried yes, but not dead. He threaded a hand through his hair and remained silent for moment. Shadows of doubt and indecision danced across his face before he finally replied.
“How can I resist?” Emery lifted himself and hauled her to her feet.
Sophie winced. Her back was bruised after lying on the stone floor beneath him. She hadn’t minded at the time—her body had been distracted by a thousand other things. But now her shoulder blades and hips screamed in protest. Emery took her into his arms, rubbing her back, massaging it with knowing hands.
“Come, I’ll summon my driver.”
“Okay.” She tried to remain calm. She was going home with Emery Lockwood. One of the richest men in America. Yet it wasn’t his wealth that made her fight off the rippling tremors at the base of her spine and in her womb. No, it was the fact that she was going home with a man who kissed her like she was the last woman on earth and time was ending. If he kissed like that, sex with him would be the Apocalypse. She’d never survive it.

Ten Fun Facts about the Author:

1)  I'd love to learn to speak Russian
2)  I've studied abroad in the following countries: France, England, Spain, and China
3)  I took 12 years of French.
4)  I wrote my first story in 3rd grade.
5)  I read the Hound of the Baskervilles in 4th grade and it actually gave me nightmares.
6)  I have attended midnight release parties for books 4-7 of the Harry Potter series.
7)  I have three pets, a black schnauzer, a cat and a chinchilla
8)  I have petted a baby panda
9)  My grandfather (my father's father) helped engineer the Keystone Damn in Oklahoma
10) My grandfather (my mother's father) lived in a log cabin in rural Nebraska and survived polio in the 1930s

Monday, February 16, 2015

Contest for Authors



The Romance Reviews is conducting its first contest for authors. While there would be prizes for authors, the real prize is increased name recognition and exposure, not only that, but the writers with limited resources and access to a wide range of readers would also benefit. For additional information, click here.

Coffee Time Romance is launching Coffee Time Romance's Indie Author Feature. They will be promoting one quality self-published romance author a month in a blog post which will be hosted by author, Veronica Bale, and promoted through all of Coffee Time Romance's social media channels.

Do you want additional exposure for your totally awesome self-published romance novel? Are you interested in selling your e-book through a book store dedicated specifically to romance readers?

If you want to be featured, here's what they are looking for:

You must be a self-published romance author with an e-book.

You must be willing to sell your e-book through Coffee Time Romance and More's book store (for information on Coffee Time Romance's royalty rates, pay schedules and user information, click here).

If selected for a feature, you must sponsor a giveaway for at least one free copy of your e-book in a Tweet-to-Win contest. The Tweet-to-Win contest administered through Coffee Time Romance's Google+ Community Book Lovers Unite.

To submit your novel for Coffee Time Romance and More's Indie Author Feature, simply fill out the contact form here (for Coffee Time Romance and More's submission guidelines, click here)

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Monday, February 09, 2015

Tony Winner Produces Her First Play


Ms. April Yvette Thompson will be showcasing her first play, Liberty City at Eta Creative Arts Foundation, from February 22 until March 29, 2015. To learn more about “Liberty City,” Click Here

April Yvette Thompson is a Tony-winning producer, writer and actor working across media. Her acting credits include: The Teacher (directed by Jeremy Engle) opposite Hunter Parrish (Weeds) and Clarke Peters (The Wire). Her off-Broadway credits include: Medea, King Lear, Liberty City, Light Raise the Roof and Macbeth. Her numerous regional Theatre credits include: A Raisin in the Sun (both Ruth & Beneatha), Wine in the Wilderness (Seattle Footlights Award), Eclipsed, and Motherhood Outloud.

April’s Film/TV credits include The Exonerated, Accidental Husband, Blue Caprice, Backwards, “Blue Bloods,” “Law & Order” & “Third Watch.”

April is now staring in the new NBC pilot “Babylon Fields.”

For additional information on this talented performer, visit her site at http://www.aprilyvettethompson.com

Monday, February 02, 2015

Special thanks to Mr. Emiliano Pérez was Selecting My Short Story

For his thesis, Mr. Emiliano Pérez selected my short story, “Serenity on Fire” which is one of five short stories from the book “Malicious Acts.” Mr. Pérez is enrolled in his last year of English-Spanish Translation at Universidad Nacional del Comahue, Facultad de Lenguas, in Argentina and considered my story as a potential translation from English into Spanish for the project. I am happy to announce that his presentation on the short story was a big success. A lot of people attended and they loved it. Many of the attendees wanted to read my story. Only part of the story was translated into Spanish.

I am grateful that he selected my short story for his proposal, and I wish him every success in his endeavors.

If you would like to have your book or stories translated into Spanish, you can contact Mr. Emiliano Pérez at emi.boogie-woogie@hotmail.com

Malicious Acts, a collection of five fictional short stories, focuses on several characters that will stop at nothing to get what they want. If it means disguising themselves as benevolent individuals and destroying lives along the way, they are up for the thrill. They will use money, romance, lust, sex, greed, deceit, and revenge as preludes to suck unsuspecting people out of their life’s savings.

Serenity on Fire centers on the character Serenity Jones, a freelance illustrator, who was leaving a Christmas party. Due to an unexpected blizzard, she decided to take a cab; most were off duty, and some unoccupied cabs passed her by. As she headed for the bus stop, a driver honked his horn, got her attention and stopped. When she got into his cab, her ride would become a nightmare on treachery road.

You can purchase "Malicious Acts,” in English only, at the following links



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Monday, January 26, 2015

Add More Passion with Your Significant Other on Valentine’s Day


Following are some sites, videos and books that will help you and your mate add more excitement to your love life on Valentine’s Day.

Blog:

Flirty and Feisty Romance Blog - Offers romance novels, articles, and inspirational quotes to help spice up your love life.

Videos:

Four Seasons - A delightful romance comedy with a profound message.

Outsourced - A contemporary feel-good movie that takes a humorous look at cross-cultural clash and romance. The film takes a festive look at characters who are trying to bridge the cultural divide between America and India.


Short Stories:

Café Mocha by Vivienne Diane Neal - A sensual romance story, centering on a woman who decides to change her way of thinking when it comes to meeting men.

Meet Me Under The Lavender Sky by Sydney Arrison - If you think you have to travel to a far away destination for a romantic rendezvous, think again.

Sunset in Alabama by Shani Greene-Dowdell - In these pages some of some of the author’s memories, feelings, lessons and events pour out in poetry and short articles. While some of the writings in this book are simply observations or thoughts, many of the emotions spawn from the author's experiences.

Lingerie:

Curvy Girlz Lingerie - For the woman with voluptuous curves and the guys who love them.

Desserts:

Angie’s Caribbean Black Cake - A scrumptious substitute to chocolates.

Angie’s Caribbean Miniature Cakes - Another mouth-watering alternative to chocolates.

Have a Happy Valentine’s Day.


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Monday, January 19, 2015

When a Loan Becomes a Gift: Playing the Romance Card by Vivienne Diane Neal


Unmarried couples who are into a serious relationship have a tendency to give each other money. When they go out on a date, it is usually determined who will pick up the tab. When birthdays come along, sometimes jewelry or money is the gift of choice.  As holidays approach, big ticket items may be exchanged. The practice of giving, without any strings attached, is called a gift, which is defined as a present or something that is bestowed to an individual, usually to give pleasure or to show gratitude. You give a gift to someone because you’re head-over-heels with that person, or you wish to show how thankful you are to have that man or woman in your life.

For one reason or another, men and women do lend money to each other, whether they are lovers, friends, acquaintances or associates. But what happens when a person decides to lend money to his or her lover? Too often when an individual borrows money from a significant other, everything is hunky dory. Love is blind, and each person is madly in love with each other. Promises are made to repay the loan. Both people are going about their daily lives, until one day the relationship has hit a sour note, and it’s over. All of a sudden, the loan becomes a gift, because the borrower was romantically involved with the lender during the time the debt was incurred.

Then you have the man or woman who doesn’t have a clue as to the type of relationship they have. The couple may work in the same environment, flirt with one another and meet often after work for a drink or dinner. The man always picks up the tab and before you know it, she is borrowing money from him. When it’s time for the gentleman to collect his money, her excuse for not paying him back was that he was interested in her romantically, and the money was actually a gift and not a loan.

Playing the romance card to avoid repaying an obligation may not cut it, especially if you end up being sued in Small Claims Court. Whether money given during a romantic relationship is a loan or a gift can be very vague. The plaintiff must prove that the money given was a loan, while the defendant will argue that the money received was a gift. In most cases, the judge presiding over the case will have to make the final ruling, which may favor the plaintiff or the defendant.

If you are in a romantic relationship, don’t be a borrower or a lender. If you do lend money to someone, and you truly want that money back, have that person sign a promissory note as the borrower along with your signature as the lender and the date the loan must be paid back. This is a legally binding contract. Never rely on verbal promises, because during the heat of passion, an individual will make all sorts of assurances that the money will be repaid. But once the courtship is over, there is the likelihood that you will never see your money.

On the other hand, don’t give money enclosed in a greeting card that reads hope you love this $500.00 gift; buy something nice for yourself and than months later when your mate leaves you, you decide to take him or her to court and complain that the cash you gave was a loan. Remember, many people do hold on to those greeting cards!

Monday, January 12, 2015

Virtual Book Tour - Phase One: Identify (Territory of the Dead Series) by Rose Wynters

http://fireandicebooktours.wordpress.com/2014/11/20/ya-romance-book-tour-giveaway-phase-one-identify-by-rose-wynters-123014-11315/


Virtual Book Tour Dates: 12/30/14 – 1/13/15

Genres: Young Adult Romance, Horror, Zombies, Science Fiction

Series: Territory of the Dead

Tour Promo: All books in this series are $.99!

Available free with Kindle Unlimited.





Blurb:

Eighteen-year-old Tabitha Alexander had just graduated from high school when the dead invaded her small town of Pleasant, Louisiana. Working as a checkout girl in the only grocery store in town, she barely made it out with her life.

But the night was only beginning.

What started out as a group of three grows, as they are joined by the few that are still alive. New bonds are formed as old ones die, and Tabitha suddenly finds that the guy she's always wanted might just want her back.

The timing couldn't be worse, though. The zombies in Pleasant are smart, with an awareness that's horrifying. And when the zombies discover the house full of survivors, those inside realize that the walls aren't strong enough to keep them out.

All hope is lost. Or is it? Salvation comes in the form of a mysterious man, with a pair of steely-gray eyes and an arsenal to match. He rescues them, but at what cost? Kellan can't seem to keep his otherworldly eyes off of her.

She's no match for him. She knows this. Yet, he intrigues her... and Tabitha knows it's the most dangerous reaction of all.   

Excerpt:

I exhaled deeply as I finished scanning the last coupon. The woman gave me a sharp look of annoyance, as if I had no room for complaint. Really, what did she expect? Was I supposed to grovel and thank her for allowing me the honor of scanning her precious coupons ten minutes before closing time?

Apparently so. “You know, young lady, it wouldn't hurt you to smile at your customers and thank them when they offer you their coupons. I don't think I've ever had such poor customer service. I don't have to shop here, especially with this kind of attitude.” She was working herself up into a rage, her expression full of self-righteous indignation.

I didn't reply, but instead pushed the total button. Some of the customers in line groaned, while others shifted in impatience. They really didn't want to be further delayed by her rant. She slammed a hundred dollar bill down on the counter. “Where is your manager? I want to speak with him now.”

I pointed towards Jim, as he straightened his shoulders and attempted to look professional. I could only imagine the holier-than-thou attitude he would have as he sympathetically agreed with her. Around here, I could never do anything right, or so it seemed.

I didn't see anyone else standing around, though, willing to put up with his crap. If I didn't need the money so badly, I'd walk out the door faster than he could blink. I was tired of the humiliation and tired of being blamed for the lines, just because he was too tight to hire on adequate staff.

I was silent as I quickly made her change. What could any person say? She was mad due to reasons of her own, something that really didn't concern me. With one last glare, she huffed and moved on in his direction. She never made it, though.

It would have been worth the complaint and subsequent chewing out I would have received, if the events of the night just wouldn't have happened. I would later look back on it and pray that things had ended differently. You can't change events that are completely out of your control, though.

Even so, anything would have been preferable to that one moment when you find your reality has just been blown to pieces and would never be the same again. That's assuming you live to survive it.

She was halfway to Jim, her teased hairdo bouncing, when it happened. A loud, panicked scream tore through the night, originating somewhere from the parking lot in front of the store. Even through the thick glass, we could hear it loudly. It sounded like someone was being murdered. I immediately stopped scanning, turning in an attempt to see what was happening.

A body slammed against the glass, his face and palms pressed to the surface. It was a horrid sight. His pupils were red and crazed, his face extremely pale and dirty. Dark red blood was smeared across his cheeks and chin. The man stood still for a moment, just watching us with his crazy eyes. Something reanimated him. He slid his palms down the clear, clean glass, leaving a trail of bloody streaks.

Buy Link:

Amazon 


About the Author:

Rose Wynters resides in the southern portion of the USA. When not
writing, she enjoys traveling, camping, and meeting new people.


Connect With The Author:

Website

Facebook

Twitter 

Giveaway:

Win a $10 Amazon gift card! This giveaway will run 12/30/14 – 1/13/15. Open worldwide! Click here to enter the Rafflecopter.


a Rafflecopter giveaway

Monday, December 22, 2014

Closing Out the Year with a Big Bang

How fast does the time go? It seems like a couple of seconds ago when the year 2014 rolled in.

As always, we would like to thank all of our visitors, subscribers and supporters who have made this year a memorable one. We especially want to thank the authors who have given us the opportunity to host their books during their Virtual Book Tours and to all the guest bloggers who have submitted memorable and informative articles.

We are looking forward to bringing you more exciting news, articles and featured authors for your pleasure.

We are taking a well-deserved break and will return on January 5, 2015.

In closing, we want to wish everyone a healthy and safe holiday and a prosperous New Year.

Monday, December 15, 2014

Is Sending a Thank You Note Becoming Obsolete?



It is a nice gesture to say thank you when a person gives you a gift. Furthermore, it is a sign of your appreciation and respect if you take the time out of your demanding and fast pace schedule to write a personal note or send a card of gratitude. Writing a thank you note does not have to be the great American novel. A simple Thank You for the Gift will suffice. Of course, to acknowledge the receipt of any gift is a point that should be made early in life. If a child never learned to say thank you for what is given to him or her, then chances are when that child becomes an adult, he or she will never give thanks for anything.

I do not know if this is a growing trend, but for the last forty years, I have attended many weddings and have always presented the bride and groom with a gift, either in person or by mail. However, I can count on one hand or better yet on half a hand, the number of notes of appreciations, which I have received.

In many cases, weddings can be a big production. Couples are under a lot of stress during this period. A great deal of time, energy and money go into planning that perfect and unforgettable event. Nowadays, the average wedding can cost up to $50,000.00. A bride would never forget to purchase her wedding gown, nor would the groom neglect to buy or rent his tuxedo. A couple will plop down a certain amount of money for their rings, food, drinks, flowers, music, video and photography and on many other products and services. Yet, many couples, for one reason or another, never remember to take time out to send a simple thank you message. After all, the giver has taken the time out of his or her hectic timetable to purchase a present for the bride and groom.

You may ask who is responsible for sending out the thank you notes. In my book, it is both the husband and wife’s responsibility. A person can never be too engaged to be grateful. One of the couple’s main priorities should be to acknowledge the giver of a gift. It is imperative to be courteous and appreciative.

So the next time someone gives you a gift, whether it is for a wedding, birthday or any occasion, have the decorum to send a thank you communiqué, because it lets the person know that you have placed great importance on the giver and the gift.

Monday, December 08, 2014

Books That Make Wonderful Last Minute Gifts




With the holidays upon us, we thought we would list some great novels, memoirs, and short stories representing a myriad of authors and genres. And if you are looking for some last-minute gift ideas, you may want to consider giving one or more of these memorable reads to the special people in your life. To purchase any of these books on Amazon, just click on the title. Enjoy and happy reading.

My Heart in Seoul and its sequel, Meet Me Under The Lavender Sky by Sydney Arrison - Touching romance stories.

The Racketeer by John Grisham - A page-turning plot with a blend of murder, suspense, and righteousness.

Hold Me in Contempt by Wendy Williams - An engaging and compelling interracial romance novel.

Cross My Heart by James Patterson (The Alex Cross Series) - A page-turning psychological thriller.

Little Green by Walter Mosley (The Easy Rollins Collection) - Urban fiction at its best.

12 Years a Slave by Solomon Northup - A must read memoir.

In Strict Confidence by Dwayne Joseph - A cat and mouse crime novel.

Forty Acres by Dwayne Alexander Smith - An intriguing suspense tale.

Crooked Letter, Crooked Letter by Tom Franklin - A realistic crime story.

A Daughter’s Rage by Ronald Gordon - A spellbinding paranormal tale.

Dead on Arrival by Dorothy Simpson - A whodunit murder mystery.

66 Million $ Fiction by Brenny Foster - A well written short story with a powerful message.

Hunting Badger by Tony Hillerman - A murder mystery bringing together two Navajo detectives.

NeuroLoveology: The Power To Mindful Love & Sex by Dr. Ava Cadell - A great reference to Understanding Love, Sex and Intimacy.

The Screen Conspiracy by Maxwell Black - A crime story linking politics, law enforcement and the tech world.

The Black Count by Tom Reiss - A well written biography on Thomas-Alex Dumas, who The Count of Monte Cristo written by his son, Alexandre Dumas, is based on.

Deception in Plain Sight by Vivienne Diane Neal - A crime story with a twist.

Monday, December 01, 2014

Tips for Smart Holiday Shopping


With the holidays here, many of us will be purchasing gifts for our family, friends and business associates and using debit or credit cards to make these purchases. Most of us will be shopping either online or at brick and mortar establishments. However, with debit and credit card use, comes credit card fraud and identity theft? Because consumers are so preoccupied during this time of the year, individuals may tend to let their guard down when it comes to using their credit card or debit card. Following are some simple tips to safeguard you from credit card fraud and identity theft.

Never give your credit card number to anyone who calls you without verifying his or her identity.

Always keep your PIN (Personal Identification Number) private. Never give it out, and never keep it on you.

Some establishments have been caught adding digits to credit card slips after consumers sign them. For example, you think you are paying $25.00 for an item, but when you look at your credit card receipt, you will see $125.00.

After a purchase, make certain the card you get back is yours.

You should report cards, which have been lost or stolen immediately. Credit card companies can freeze your account and issue you a new card without delay.

Review your monthly statements promptly and carefully for unauthorized purchases.

Merchants, who accept payment by credit card, must also disclose any limitations on the use of that card. Disclosure must be conspicuous at the entrance to the store and in any ads, which indicate the credit card acceptance. New York State law prohibits surcharges on credit card purchases.

Retailers who accept payment by credit card cannot set a minimum purchase amount for credit card use.

If you use a debit card to withdraw money from an ATM machine, make certain you take your receipt with you and review it for accuracy. Never leave or discard the receipt in a public receptacle.

Avoid using ATM machines that are located on public streets or in remote areas. Try to use an ATM machine in a bank lobby during banking hours.

If you are shopping online:

Never purchase items on sites that do not have the secure icon, usually located at the bottom window at the right side. The address bar that carries the https is securer than the http prefix.

Try to shop at reputable e-commerce sites. A good clue is to look at the copyright year; if it says © 1999 and the current year is 2014, select another site or check out the company with the Butter Business Bureau. You can also send an email question to the company. If they do not respond within 48 hours, select another site.

Never give your social security number to any site.

If you suspect fraud, contact the Federal Trade Commission at ftc.gov/complaint, and order a copy of your credit report from each of the three national credit agencies and once a year from annualcreditreport.com


Happy Smart Holiday Shopping!