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 First you must learn to pronounce the city name. It is DAL-LUS, or DAA-LIS depending on if you live inside or outside LBJ Freeway.

 

Next, if your Mapsco is more than a few weeks old, throw it out and buy a new one. If in Denton

County and your Mapsco is one-day-old, then it is already obsolete. Forget the traffic rules you learned elsewhere. (Frisco has screwed everything up.)

Dallas

has its own version of traffic rules…   “Hold on and pray.”

 

There is no such thing as a dangerous high-speed chase in Dallas

. We all drive like that.

 

All directions start with, “Get on Beltline,” which has no beginning and no end. (It REALLY DOESN’T!!!)

The morning rush hour is from 6 to 10. The evening rush hour is from 3 to 7. Friday’s rush hour starts Thursday morning.

If you actually stop at a yellow light, you will be rear-ended, cussed out and possibly shot.  When you are the first one on the starting line, count to five when the light turns green before going to avoid crashing with all the drivers running the red light in cross-traffic.

Construction on Central Expressway is a way of life and a permanent form of entertainment. We had sooo much fun with that, we have added George Bush Freeway and the High Five to the mix.

All unexplained sights are explained by the phrase, “Oh, we’re in Fort Worth

!”

If someone actually has his or her turn signal on, it is probably a
factory defect. Car horns are actually “Road Rage” indicators - and
remember, it’s legal to be armed in Texas.


All old ladies with blue hair in a Mercedes have the right of way.
Period.  And remember, it’s legal to be armed in
Texas

.

 

Inwood Road, Plano Road, NW Highway, East Grand, Garland Road, Marsh Lane, Josey Lane, 15th Street, Preston Road all mysteriously change names as you cross intersections (these are only a FEW examples). The perfect example is what is MOSTLY known as Plano Road . On the south end, it is known as Lake Highlands Drive, cross Northwest Highway and it becomes Plano Road, go about 8 miles and it is briefly Greenville Ave, Ave K, and Highway 5.  It ends 60 miles away in Sherman

 

The North Dallas Tollway is our daily version of NASCAR. The minimum acceptable speed on the Dallas North Toll Road is 85 mph. Anything less is considered downright sissy. It also ends in Sherman

.

 

If asking directions in Irving or SE Dallas, you must have knowledge of Spanish.  If in central Richardson or on Harry Hines, Mandarin Chinese will be your best bet. If you stop to ask directions on Gaston or Live Oak, you better be armed… and remember, it’s legal to be armed in Texas

.

 

The wrought iron on windows near Oak Cliff and Fair  Park

is not
ornamental!!

 

A trip across town east to west will take a minimum of four hours,
although many north/south freeways have unposted minimum speeds of 75.

 

 

It is possible to be driving WEST in the NORTH-bound lane of EAST NORTHWEST Highway

. Don’t let this confuse you.

 

Interstate Loop

635 is called “The Death Trap” for two reasons: “death” and “trap.”  And no animal has ever been known to make it across it.

If it’s 100 degrees, Thanksgiving must be next weekend. If it’s 10
degrees and sleeting/snowing, the Fort Worth Stock Show is going on.

If it has rained 6 inches in the last hour, the Byron Nelson Golf
Classic is in the second round (if it’s Spring) - and it is the Texas State Fair if it’s Fall.

 

If you go to the Fair, pay the $8.00 to park INSIDE Fair Park

. Parking elsewhere could cost up to $2500 for damages, towing fees, parking tickets, and possibly a gunshot wound.  If some guy with a flag tries to get you to park in his yard, run over him.

Any amusement parks, stadiums, arenas, racetracks, airports, etc., are conveniently located as far away from EVERYTHING as possible so as to allow for ample parking on grassy areas.

 

Final Warning: Don’t Mess With Texas Drivers … remember, it’s legal to be armed in Texas.

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The three major credit-reporting agencies, Equifax, TransUnion and Experian, are each required to provide consumers, upon request, a free copy of their credit report once every 12 months.

The reports will not be sent automatically. Each consumer must request reports one of these three ways:

  • Go to AnnualCreditReport.com, which is the only authorized source for consumers to access their annual credit report online for free.
  • Call (877) 322-8228.
  • Complete the form on the back of the Annual Credit Report Request brochure, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The brochure, which can be ordered or printed, is available from the Federal Trade Commission. Click here for more information.

A credit report is simply a rundown of your payment history, listing your accounts, balances and your payment behavior for each. It is not a credit score, or FICO, the three-digit gauge of your creditworthiness used by lenders, employers and insurers. But credit scores do use the information on your credit reports in their calculations, so it’s important to spot and correct inaccuracies as quickly as possible.

The highest-possible FICO score is 850, but even people with the best credit don’t usually exceed 825. Those last 25 points wouldn’t save you money on a loan anyway.

You’re one of the lucky ones in the financial pecking order: Your credit score is high. Really high. But what if you want perfection?

Get a hobby.

Having a high credit score is great. But the slight difference between very high and perfection just won’t make a difference in your everyday life.

A credit score is your credit history at one point in time, reduced to a single number. One of the most popular credit-scoring models, the FICO score, can range from 300 (very bad) to 850 (solid gold). But don’t expect to see many 850s walking around.

“It’s very rare to be there,” says Maxine Sweet, the vice president of public education with Experian, one of the three major credit bureaus. “I’ve never seen it.”

Though it’s theoretically possible to score 850, most high scores top off around 825, Sweet says. “You can’t get much higher,” she says.

From a practical standpoint, that’s just as well, several credit experts say.

“There is no reason to go from 775 to 850 because you’re still going to get the same rate,” says Linda Sherry, a spokeswoman for Consumer Action, an advocacy group in Washington, D.C. (See how a high score saves you money.)

For those not hitting the high 700s and above, there’s still room for improvement. Use your credit sparingly, and watch your purchases. Keep up the good work, and you will get there!

How to get a credit report for free

Be sure to look at each of your reports every year. It’s simple, it’s free and it’s crucial: Old or inaccurate information could cost you a job, an apartment or a lot of money when you borrow.

All Americans are entitled to free credit reports every year from each of the three major credit bureaus. The credit reports used to cost as much as $9.50 each.

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  Buying Groceries, The Safe Way

In todays society, we try to chose carefully what we are serving on the dinner table. But were you counting on the uninvited guests?

Bacteria and other pathogens can lurk in food, even if the ‘fresh’ ingredients were purchased from the grocery store a mere hour ago and cooked to perfection.

“Once something is contaminated, bacteria can grow very quickly,” said Urvashi Rangan, a senior scientist with Consumers Union, a publisher of Consumer Reports. And chances are fairly high that most of us carry home some kind of ‘surprise’ in our grocery bag.

Last year alone, there were 76 million cases of reported food poisoning in the United States reported the Center for Disease Control and Prevention. Over 5,000 of those resulted in fatalities.

This year, the reports are rampant. Jeff Nelken, a food safety expert from California said “We do know that food poisoning is a big problem in this country.”

Additionally, many cases go unreported.

Symptoms can include vomiting, diarrhea, cramping and fever that last from one day up to a week. The condition may become more serious for anyone with a compromised immune system.

Fortunately, there are several easy ways to lower the risk of becoming a victim to food borne illness while shopping at the grocery store.

Rangan advises these tips.

1. Beware of Temperature

  • Grocery shopping should be the last errand on the list to make sure bacteria does not thrive in transit. For some foods, a temperature above 40 degrees can promote spoilage.
  • Select the most perishable items (meat and dairy) after you have shopped for your non-perishables.
  • Avoid meat, produce and dairy items that have been stacked too high in the refrigerators to remain cold.

2. Keep Track of Recalls.

  • So far in 2007, the headlines read: E-coli found in burgers. Salmonella in peanut butter. Botulism in green beans. Stay in touch with the news and dispose of any possibly-contaminated brands.

3. Avoid Cross Contamination.

  • Always bag your produce, and double-bag your meat. If there are no bags in the meat department, pick up some extras from produce.
  • Do not place food in the shopping cart’s child seat. Chances are a toddler with a dirty diaper has sat there recently.
  • Always wash fresh fruits and vegetables as soon as you get home.

4. Examine Purchases.

  • Bruising does not necessarily indicate pathogens, according to Michelle Smith, a scientist with the FDA’s food safety office. However, stay away from produce, such as cucumbers, apples and peaches in which the skin is punctured.
  • Beware of pests in the store. They indicate uncleanliness. “Flies, for example may carry bacteria, and roaches carry up to 25 to 30 different diseases,” said food expert Nelken. Bugs should be treated as a red flag to shop at another store.

While no one can completely eradicate their chance of food poisoning, we can all reduce the likelihood of getting sick, Nelken said. And the first step is at the grocery store.

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Sleep, perchance to dream. I’m no Shakespeare but it’s estimated that almost 75 percent of adults experience some sleeping problems a few nights a week or more. Almost 40 percent get fewer than 7 hours. Is it any wonder that over 1/3 of adults are so sleeping during the day that it interferes with daily activities. Tivita’s Weekly Wellness Report is an excellent source of health and wellness information. It’s free and written by their chief science officer Dr. Minshwe, an M.D., naturopath and alternative health expert. To subscribe, go to www.trivita.com or call 800-991-7116. You can order their vitamins and other wellness products on line, by phone, or through their mail order catalog. Either way, you may be able to sleep tight, and sleep period.

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