Do you know that 2008 is a “Leap Year”? That means that an extra day has been added to February. But why is that necessary?

We follow the Gregorian calendar, which is synchronized to astronomical and seasonal events, including the Earth’s movement around the sun. The average time between two successive equinoxes (when the sun is directly over the equator) is 365.2422 days long. By using a calendar with only 365 days, an error of .2422 days or approximately 6 hours a year occurs. After 100 years, the calendar would be ahead by more than 24 days! By adding the extra day every four years, the calendar is corrected as closely as possible to the seasons.

Leap years typically follow these rules:
Every year divisible by 4 is a leap year;
Every year divisible by 100 is not a leap year; and
Unless the year is also divisible by 400, it is still a leap year.

Here is a final comment on leap years – if your birthday falls on February 29th, how often do you celebrate your date of birth? Every year or once every four years?

How To Stop Telemarketers

Are your receiving  bothersome solicitations by phone?

• The National Do Not Call Registry is managed by the Federal Trade Commission (FTC), the nation's consumer protection agency. Click here to view more information from the FTC on the National Do Not Call Registry and how to avoid telemarketing fraud.
  
   
• Information for Consumers. Click here if you would like more information on how to register, what registration means for you, what calls are covered and more.
  
   
• Information for Businesses. Click here for answers to some common questions from telemarketers and sellers.
  
   
• Information for the Media. Click here for media materials related to the National Do Not Call Registry.
   

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Credit Card Scam

This one is pretty slick since they provide YOU with all the information, except the one piece they want.

Note, the callers do not ask for your card number; they already have it. This information is worth reading. By understanding how the VISA &MasterCard Telephone Credit Card Scam works, you'll be better prepared to protect yourself:

One of our employees was called on Wednesday from "VISA", and I was called on Thursday from "Master Card".

The scam works like this: Person calling says, "This is (name), and I'm calling from the Security and Fraud Department at VISA. My Badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a Marketing company based in Arizona?" When you say "No", the caller continues with, "Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?"

You say "yes". The caller continues - "I will be starting a Fraud investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security.

You will need to refer to this Control Number. The caller then gives you a 6 digit number. "Do you need me to read it again?"

Here's the IMPORTANT part on how the scam works. The caller then says, "I need to verify you are in possession of your card". He'll ask you to "turn your card over and look for some numbers". ;
There are 7 numbers; the first 4 are part of your card number, the next 3 are the security Numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him. After you tell the caller the 3 numbers, he'll say, "That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?" After you say No, the caller then thanks you and states, "Don't hesitate to call back if you do", and hangs up.

You actually say very little, and they never ask for or tell you the Card number. But after we were called on Wednesday, we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card.

Long story - short - we made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the card. Don't give it to them. Instead, tell them you'll call VISA or Master card directly for verification of their conversation. The real VISA told us that they will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit. However, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report.

What makes this more remarkable is that on Thursday, I got a call from a "Jason Richardson of Master Card" with a word-for-word repeat of the VISA scam. This time I didn't let him finish. I hung up! We filed a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening.

Snopes.com says the concept is true, but unable to verify how prevalent this tactic is.