Credit card scams

The server brought the check for lunch, the man put her tip on it, she took it to the cashier and came back with his credit card and receipt. Usually, he put the card in his wallet but he happened to look and it was someone else's expired card. The server took it back to the cashier and came back with his card and an apology.

Make sure the credit card returned is yours. Check your name on the card every time it is taken away for even a short period of time. Most people put the card in their billfold without even looking at it. By the time the wrong card is discovered, thousands of dollars in purchases may have been charged to your account.

Another scam is perpetrated right before your eyes. The clerk who lays the card on the counter while appearing to talk on a cell phone may actually be taking a picture of your card. Be aware of your surroundings and notice who is standing near you and what they are doing when you use your card. Most cell phones are cameras, too.

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Bane-Clene will be 50 years old on February 4, 2012

Many have asked how we're going to celebrate Bane-Clene's Golden Anniversary. We’ve decided on a different approach to honor this landmark event in our company’s history. Instead of an expensive convention or costly parties, we're going to spend the money on our customers, the people who have been so good to us. And we're starting now!

The on-going recession, inflation, high fuel prices and costly air fares have caused many cash strapped business owners to forego industry meetings which creates a void in their continuing education. Until the money runs out that those celebrations would have cost, Bane-Clene Institute is offering FREE education in observance of our anniversary.

Fees for tuition and/or class materials will be fully reimbursed with Bane Bucks® that may be spent for merchandise and lunch at Murphy's Steak House every day is on us. This offer is good for any customer attending Bane-Clene Institute. Pre-registration is required since seating is limited. Call 800 428 9512 for available dates and to register for classes.

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Goals

This is an E-mail from a lady who attended our school recently, "You talked about us setting goals in your class at Bane-Clene Institute. Have you ever set specific goals, what were they, did you achieve them and have you ever failed?" This was my answer:

Dear Karen,

Thanks for asking. Yes! I've set and reached many goals in my life and I've failed at some, too. Most of my successes have come about almost as a matter of destiny. Except for the experience factor, the failures have been ignored as much as possible.

The earliest I can remember really wanting something was in first grade. I wanted to be an alter boy and I finally got the job at age ten. Later, as a boy soprano in the choir, I reached the goal of singing the "Ave Maria" solo before my voice changed.

After Pearl Harbor, all I could think about was joining the Marines. I enlisted on my seventeenth birthday, June 25, 1944. Promotions were natural goals in the Corps and I made it to the rank of Sergeant. While in the Corps, I met Elizabeth and knew I wanted to marry her. As a result of that goal, I became a husband, father and grandfather.

Baseball was a dream in my youth, but I didn't have the talent or opportunity to play professionally. My love for the game led to coaching in Little League, Pony League, Connie Mack and American Legion Baseball programs. My teams won league, city, regional and two state championships with only two losing seasons in fourteen years.

Along the way I've become CEO of a corporation, Commander of an American Legion Post and our Mayor appointed me to serve on a city board. I've written two books and for thirty years published a magazine and newsletter. Most of those things came about as a result of developments rather than setting specific goals.

A recent goal accomplishment came in 2010. It doesn't sound like much, but at age 83, I shot under my age twice with an 81 and 82 at Hillcrest Country Club. I always thought I'd have to live to be at least 95 before that would happen. Only golfers will appreciate the significance of shooting one's age or under.

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Ninth of a nine-part series about the CFR

The Council on Foreign Relation in my opinion is behind the move to destroy our economy as we know it and lower American living standards closer to the level of third world countries. Nothing expresses the goals of their globalist conspiracy like quotes from prominent CFR members and others who know the organization.

"As a teenager, I heard John Kennedy's summons to citizenship. And then, as a student, I heard that call clarified by a professor I had named Carroll Quigley."

President Clinton, a CFR member, in his acceptance speech for the Democratic Party's nomination for president, 16 July 1992.

Clinton loathed the military, was very much anti-war, yet he used the power of the presidency to inflict military damage to countries on which Congress had not declared war. Peace-loving CFR members, even outspoken anti-war advocates such as Clinton, will use war and military tactics when it suits their agenda

In a speech in 2004, Barack Hussein Obama drew a comparison to Kennedy, too. He was outspoken and used extreme anti-war rhetoric. He was very much against the Iraq war, but as President he uses military strikes on middle eastern countries. He is not anti-war when it is not convenient to his agenda. Obama is now a member of CFR.

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They just keep on

Felony charges were filed recently against a carpet cleaner in Florida after he was seen dumping at an Ocala car wash. The owner said the driver released a handle that emptied liquid into his drainage system. The cleaner was detained, arrested by a deputy sheriff and taken to the Marion County jail.

Most reputable cleaning firms have their own legal disposal facilities. Other legitimate operators have an arrangement to use car wash or RV facilities for a fee or with the permission of the owner. But a number of rogue cleaners continue to stop along the road at storm drains or sneak into a self-service car wash to empty their tanks. Shame!

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Eighth of a nine-part series about the CFR

The Council on Foreign Relation in my opinion is behind the move to destroy our economy as we know it and lower American living standards closer to the level of third world countries. Nothing expresses the goals of their globalist conspiracy like quotes from prominent CFR members and others who know the organization.

"There must be a thoroughgoing reform of the world monetary system ... For its part, I can assure you, the United States will continue to rise to its world responsibilities, joining with other nations to create and participate in a modern world economic order."

President Richard Nixon, CFR member, 1972

"... the United States will continue to rise to its world responsibilities..." is political code talk that means American wealth, values and living standards will be sacrificed and lowered. The living standards in third world countries will rise at the expense of middle class Americans. That's the goal of "Quantitative Easing" and the Fed printing money.

The elite of the financial world, whose predecessors organized the CFR, will not suffer and are enjoying record profits. Politicians will not suffer. They are willing accomplices in the theft of our living standards, savings and retirement funds. China's economy is booming. Our housing market, retirement funds and employment continues in decline. Get it?

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Budgeting ads

Before finalizing an advertising budget, consider these important issues to get an idea of the amount you will spend for the coming year's budget. Review your goals, including the market share you want. Finalize your ad schedules for the year and be sure to note holiday and special promotions that you plan.

A budget is the foundation of a solid advertising program. Funding should not be allocated based on recent sales or the volatility of the economy. A budget should be based on the amount you can afford to invest in your advertising program. Continuity is critical to both short and long term success and is the factor that makes your advertising work.

Schedule TV commercials, newspaper ads and/or mailings at specified times and allocate the funding to finance them. Probably most important, stick with the program you have laid out and don't let anyone or anything deter you! Spend everything that you have budgeted, but not a dime more. Say "NO" to anyone or anything not in your budget.

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Here we go again

Remember the lab mice that were killed by carpet? How about the oft-repeated fabrication by the media that carpet contains formaldehyde? Well here's the latest scientific assault. Several PhD's (obviously on tax-funded grants with nothing better to do) collaborated on an article titled, "Hazardous waste on your living room floor." How malicious is that?

The article reflects the work of an international group called IPEN, that must have found a way to tap US taxpayer dollars. Academia thrives on grants and their inquiries always seem to conclude that larger grants are needed for more studies. A request for contributions to IPEN was traced to a phone number in California. Where else but in Berkeley?

The story claims that some carpet pads cause nervous system damage and old chemical residue released in dust-form poses a health hazard for infants, toddlers and even carpet installers. Scare tactics like this always work when they're about infants and toddlers. The installer doesn't rate much sympathy but just mention babies and the public reacts.

Make no mistake. These studious, orchestrated attacks on carpeted floors are likely paid for by our tax dollars. Call me a conspiracy buff if you will, but I'd bet the smears can be traced to politicians and industries that are anti-carpet. Most "scientific" assaults are influenced and manipulated by politics, parochial interests, lobbyists and/or money.

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"Carpet, it just feels better"

When carpet began losing market share the CRI came up with the slogan "Carpet, it just feels better." That great slogan and those wonderful television commercials didn't last a year. Will the trend of losing market share continue? A few years ago Tom Rennie, a respected industry consultant, said something to Dave Foster on WBLJ in Dalton that is still ringing in my ears.

Mr. Rennie said, "Polyester may soon overtake nylon staple production for the first time. It'll take eight to ten years for the consumer to find out polyester doesn't perform very well." The average life of residential carpet is eight to ten years. Isn't that just about the time it took consumers to discover the failings of polypropylene and start the big decline?

There's a new miracle fiber hitting the marketplace with a great amount of hyperbole. They might call it something else, but it's still polyester. I hope that a few years from now the carpet industry will be ready to accept the consumers' opinion. They already voted on polypropylene with their pocketbook, didn't they?

©Bane-Clene® Corporation 2011 Reprinting or electronically publishing this article is strictly prohibited without permission from Bane-Clene Corp.

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Please e-mail me at wfbane@baneclene.com.

Seventh of a nine-part series about the CFR

The Council on Foreign Relation in my opinion is behind the move to destroy our economy as we know it and lower American living standards closer to the level of third world countries. Nothing expresses the goals of their globalist conspiracy like quotes from prominent CFR members and others who know the organization.

"There must be some dilution of sovereignty, to the immediate disadvantage of those nations which now possess the preponderance of power ... the establishment of a common money, might be vested in a body created by and responsible to the principal trading and investing people. This would deprive our government of exclusive control over a national money."

John Foster Dulles, CFR member, Secretary of State, 1939

One world currency may not be far off. A good site to learn about the real purpose of the CFR is : http://www.conspiracyarchive.com/NWO/Council_Foreign_Relations.htm

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Remembering "D" Day

On this day in 1944, "Operation Overlord" hit Normandy and was the beginning of the end of Nazi Germany. More than 5,000 ships crossed the treacherous English Channel to deposit 160,000 troops (many of them drowned) while 800 planes dropped more than 13,000 paratroops behind Nazi lines. Three hundred planes made bomb runs.

US casualties were 1,465 dead, 3,184 wounded, 1,928 missing and 26 captured that day. Of that figure, 2,499 were airborne troops. About 20,000 French civilians were killed from the bombing and German casualties are estimated at 9,000. Naval losses included 24 warships and 35 merchantmen sunk and another 120 vessels damaged.

Over 425,000 Allied and German troops were killed, wounded or went missing during the Battle for Normandy. This figure includes 209,000 Allied casualties, with nearly 37,000 dead in ground forces and 16,714 deaths in air forces. There are twenty seven cemeteries with the remains of more than 110,000 from both sides.

The costly success of D-Day was the death knell for Hitler who was forced to fight a two-front war against Russians on the East and Americans, British, Canadians and French on the West. In May, 1945, Hitler committed suicide and the war in Europe ended.

©Bane-Clene® Corporation 2011 Reprinting or electronically publishing this article is strictly prohibited without permission from Bane-Clene Corp.

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Sixth of a nine-part series about the CFR

The Council on Foreign Relation in my opinion is behind the move to destroy our economy as we know it and lower American living standards closer to the level of third world countries. Nothing expresses the goals of their globalist conspiracy like quotes from prominent CFR members and others who know the organization.

"I know of this network because I have studied it for twenty years and was permitted for two years in the early 1960's to examine its papers and secret records. I have no aversion to it or to most of its aims and have, for much of my life, been close to it and to many of its instruments. I have objected, both in the past and recently, to a few of its policies ... but in general my chief difference of opinion is that it wishes to remain unknown, and I believe its role in history is significant enough to be known."

Dr. Carroll Quigley, CFR member and author of "Tragedy and Hope,"

CFR members meet in Manhattan and Washington, to discuss foreign affairs. They create reports and publish them in Foreign Affairs magazine. A CFR author recently wrote in Time magazine, “The US should make President Musharraf the best dictator he can be.” Another CFR author wrote an article in Newsweek about all of the trouble in the world titled, “Don't Worry, Be Happy.”

The front page of CFR.org featured essays on European anti-terrorism measures, radical Iranians and the reemergence of the nuclear threat. Many prominent publications are influenced by the CFR such as Time, Newsweek, US News & World Report, Atlantic Monthly, Forbes & major publishing houses. Their influence is mind boggling.

©Bane-Clene® Corporation 2011 Reprinting or electronically publishing this article is strictly prohibited without permission from Bane-Clene Corp.

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Thank you for 50 grand years

Many of you have asked how we're going to celebrate Bane-Clene's 50th Anniversary. We’ve decided on a completely different approach to honor this landmark event in our company’s history. Instead of an expensive party, we're going to do something for the people who have been so good to us.

The on going recession, inflation, high fuel prices and rising air fares have caused many cash-strapped business owners to forego industry meetings. This has created a void in their continuing education. For a limited time, Bane-Clene Institute will offer FREE education in celebration of our golden anniversary.

Any fees for tuition and/or class materials will be fully reimbursed with Bane Bucks® that may be spent for merchandise. And lunch at Murphy's every day is on us, too. This offer is good for any customer attending Bane-Clene Institute. Pre registration is required since seating is limited. Call 800 428 9512 to register for classes

©Bane-Clene® Corporation 2011 Reprinting or electronically publishing this article is strictly prohibited without permission from Bane-Clene Corp.

I'd like to hear your comments on this article.
Please e-mail me at wfbane@baneclene.com.