Colby Free Press Thursday, February 3, 2005 Page 5 Consumer asks about debit card pitfalls Colby Girl Scout troop

Dear Attorney General Kline: get cash back above the purchase I am a recent college graduate and Phill Kline amount. Memorize your PIN — to ship cookies overseas am preparing to take a job out of don’t write it down, don’t give it out Colby Girl Scout Troop 162 The troop will be responsible state. I’ve had a checking account • and don’t carry it in your wallet. If will be shipping cookies overseas for sending the boxes of cookies for several years but am now con- Consumer Corner you lose your debit card, contact to Colby-area servicemembers overseas. sidering the use of a debit card for your card issuer immediately. fighting the war against terror- Although Barnum said she has the first time. What kinds of things When used with the proper care ism, said Jan Barnum, troop a few names of local servicemen should I be aware of when using a and security, debit cards can be a leader. stationed in Iraq and Kuwait, if debit card? the funds come directly out of your count, you don’t run up interest handy and convenient tool to help In addition to the “Troop-to- someone knows of any other Dear Kansas Consumer: checking account. charges. Be aware though that some manage your finances. the-Troops” drive, scouts in military members or would like There’s no question that the use Since your purchases and ATM debit card issuers do charge fees for Editor’s note: Attorney General Troop 162 will also be taking or- to order cookies to be shipped, of debit cards is on the rise nation- withdrawals are listed on your making purchases with your card. Phill Kline offers this public service ders from Colby residents as she asks that they call her at (785) wide. More than 60 million people monthly statements you can track Be sure to check with your card is- to help people avoid becoming vic- well. 462-6503. now carry debit cards that carry the your spending easily. suer and shop around for the best tims of consumer fraud. logos of the two major payment By using your debit card to pay deal. Also, keep your receipts and Although some of the details have card companies and that number is for everyday items such as grocer- check your monthly statements been changed, the cases appearing expected to grow dramatically. ies, gasoline, and restaurant meals, carefully for any unauthorized uses in this column are based on actual Cookie drive deadline Monday Most debit cards combine the key you don’t have to carry checks or of your card. complaints or questions. Colby Girl Scouts will continue elements of ATM cards, credit cards large amounts of cash and unless Many debit cards can be used For further information or to file selling cookies until Monday, Feb. About Town and checks — instant access to you dip into an overdraft line of with a Personal Identification Num- a complaint, please write Attorney 7, said Penny Cline, coordinating cash, worldwide acceptance, and credit tied to your checking ac- ber (PIN) at checkout counters to General Phill Kline, Consumer the event. this drive. Anyone who is not con- Protection Division, 120 SW 10th In addition to offering many old tacted by a Colby Girl Scout during Dollars and sense: Ave., 2nd Floor, Topeka, Kan. favorites such as Thin Mints, Peat the sale time, Cline encourages 66612, or call the toll-free Con- Butter Patties and more, the Pinata them to call her at (785) 460-2929 K-State offers tips to save money sumer Hotline, 1-800-432-2310. cookie will be discontinued after after 5 p.m. to place an order. — People with a “It’s been my experience that • Pay down balances by paying as modest income sometimes save even people who say they can’t save much as you can on the card with the Listen to the Play by Play Action of more than others who earn consid- money usually can save some- highest interest, while also meeting erably more, said Carol Young, thing,” said Young, who offered minimum payment requirements Kansas State University Research these tips: on other cards to avoid extra fees. the Colby Eagles vs and Extension family financial • Identify key expenses, such as • Choose direct deposit. You’ll management specialist. a house payment or rent, car pay- save time and funds usually are “Paying down debt and building ment, insurance, food, medical available more quickly. The Oberlin Red Devils savings need not be a dream. The bills, etc., and pay those bills first. • Make saving a habit. Check to trick is learning to use what you • Think about short- and long- see if your employer offers an au- Friday evening, Feb. 4 • Pre-game 6 p.m. have wisely,” said Young, who of- term goals. Ask yourself, will you tomatic payroll deduction to a sav- fered this example: A father enjoyed need a new refrigerator this year? ings account. taking his three children to a conve- New tires for your car come No- “If you don’t see it, you won’t be Thanks to the following sponsors: nience store on Saturday mornings vember? likely to spend it,” Young said. for chocolate milk and cinnamon “Identifying needs and goals usu- • Set aside money for an emer- His Shop CJ’s Boutique rolls. The outings cost about $15 ally can help people begin to sepa- gency fund. Sooner or later, every- Taylor Motors H&R Block in Colby and each week — or $60 a month — and rate needs from wants, which is key one is likely to experience unex- the family began coming up short. to successful money management. pected medical bills, a plumbing Colby Automotive Goodland In reviewing their expenses with Before you buy, ask yourself: problem, a car repair or job loss. To Citizens Medical Center L&M Steel a financial counselor, the family Which is more important? An extra meet such expenses, saving the decided to enjoy chocolate milk and sweater or new tires that will pro- equivalent of six months’ salary is S&K Clothing and Gifts cinnamon rolls purchased for a vide a safe ride,” Young said. recommended. lower cost at a supermarket at • Stop shopping for recreation or • Make a birthday and holiday gift home. if feeling lonely or bored. Shop only list and add in the extras, such as a Doing so saved them about $40 a when you have a specific need. nephew’s wedding in Denver that month (or $480 a year), but still al- • Shop with a list and spend as also will involve travel expenses. lowed the children special time with little time as possible in the store— Add up estimated costs, divide by their father. wandering around can increase the 12 and budget for gift and travel “People neglect saving because temptation to make unnecessary expenses monthly. To reduce gift- they don’t think they have much to purchases. giving expenses, take advantage of put away,” Young said. “Putting • Leave credit cards at home and sales and shop for gifts throughout away $10 a month or saving your carry a small amount of cash. the year. For more tips call the lo- change every Friday can add up. “People who shop with a credit cal K- State Research and Exten- Skipping one $1.00 trip to the vend- card can be tempted to spend more,” sion office, 462-7575, and ask for ing machine every week can save said Young, who suggested a debit “Budgeting Basics” from the “Ba- $52. Doing it every day, five days a card that offers the convenience of sic Money Management Series” or week, 52 weeks a year will yield a plastic, but limits spending to check Extension’s Web site: www.- www.bestcountryaround.com savings of $260.” money in the account. oznet.ksu.edu . Check each issue of the Free Press for additional TV Listings

TV LISTINGS sponsored by the COLBY FREE PRESS

SATURDAY FEBRUARY 5 SATURDAY FEBRUARY 5

6AM 6:30 7AM 7:30 8 AM 8:30 9 AM 9:30 10 AM 10:30 11 AM 11:30 6PM 6:30 7 PM 7:30 8 PM 8:30 9 PM 9:30 10 PM 10:30 11 PM 11:30 KLBY/ABC La Gente Paid Good Morning Lilo & Fillmore Proud That’s- Phil of Lizzie W.I.T.C.- Power KLBY/ABC News Seinfeld America’s Funniest Desperate Desperate News Seinfeld Entertainment Hh Program America (CC) Stitch (EI) (CC) Family Raven Future McGuire H. (CC) Rangers Hh (CC) (CC) Home Videos (CC) Housewives (CC) Housewives (CC) (CC) Pilot (CC) Tonight (N) (CC) KSNK/NBC Today (CC) Paid Paid Kenny- Tuten- Trading Endur- Strange Darcy’s KSNK/NBC News Wheel of Law & Order Cut Law & Order: Law & Order: SVU News Saturday Night Live Paris Lj Program Program Shark stein (EI) Spaces ance (EI) Days Wild Life Lj Fortune (CC) Criminal Intent Hilton; the Scissor Sisters. (CC) KBSL/CBS Saturday Early Show (CC) Lazy- Miss Backyar- Dora the Little Bill Blue’s Paid Paid KBSL/CBS News Friends Wickedly Perfect CSI: Miami Deadline 48 Hours Mystery News Drew Drew Drew 1< NX Town Spider digans Explorer (EI) (CC) Clues Program Program 1< NX (CC) (CC) (N) (CC) (CC) (CC) (CC) Carey Carey Carey K15CG Yoga Market- Thomas- Jay Jay Bob the Real Dragon- Kids A Hand- Art of Food Victory K15CG Antiques Keeping As Time The Lawrence Welk Red Austin City Limits Movie: Desk Set TTT (1957, d Market Friends the Jet Builder Wheels flyTV Cookin’ Crafts Food Garden d Roadshow Omaha Up Goes By Show Green Performance. (CC) Comedy) Spencer Tracy. (CC) USA Paid Paid Paid Paid Monk Mr. Monk Movie: Poltergeist TTTZ (1982, Horror) World Cup Skiing: USA (5:00) Movie: Law & Order: SVU Law & Order: SVU Law & Order: SVU Law & Order: The District Fools P[ Program Program Program Program Gets Cabin Fever JoBeth Williams. (Premiere) (CC) Men’s Downhill. P[ Riding the Bullet Criminal Intent Russian (Part 2 of 2) TBS Saved Saved Movie: Mickey Blue Eyes TTZ (1999, Movie: The Bachelor T (1999, Comedy) Movie: Forces of TBS Movie: Analyze This (1999) An angst- Movie: What Women Want (2000) A chauvinistic ad Movie: Divine Secrets of the Pl by Bell by Bell Comedy) (PA) . (CC) Chris O’Donnell. (CC) (DVS) Nature TTZ (1999) Pl ridden mobster seeks a psychiatrist’s help. executive can suddenly read women’s minds. (CC) Ya-Ya Sisterhood TT (2002) WGN Enter- People- Paid Paid Paid Paid Paid Paid Paid Paid Paid Health WGN Home NBA Basketball: Chicago Bulls at Miami Heat. WGN News at Nine Becker Movie: Shadow Conspiracy T P] prise People Program Program Program Program Program Program Program Program Program Corner P] Videos AmericanAirlines Arena. (Live) (CC) (CC) (CC) (1997) Charlie Sheen. (CC) TNT (5:00) Movie: Get Movie: JFK TTTZ (1991, Drama) Based on the alleged conspiracy surrounding JFK’s Movie: Donnie TNT Law & Order 11th Annual Screen Actors Guild 11th Annual Screen Actors Guild Movie: I Am Sam T P^ Carter TZ (2000) death. , . Brasco (1997) P^ Couples (CC) (DVS) Awards (Live) Awards (2001) . NICK Rocket Jimmy Jimmy Spon- Spon- Oddpar- Oddpar- Danny Grown Teenage Chalk- NICK Drake & Spon- Ned’s Drake & All That Amanda Full Full Fresh Cosby Rose- Murphy QZ Power (CC) Neutron Neutron geBob geBob ents ents Phantom Up Robot Zone QZ Josh geBob School Josh (CC) House House Prince Show anne Brown FAM Digimon- Shinzo Super Power Power W.I.T.C.- Digimon- Dragon Spider- X-Men Full Full FAM (5:00) Movie: Movie: Death Becomes Her (1992) Two Whose Whose Home Home Home Home Q] Digital Robot Rangers Rangers H. Digital Booster Man (CC) House House Q] Austin Powers vain women vie for the secret to eternal life. Line? Line? Videos Videos Videos Videos DSC Paid Paid Paid Paid Planet Storm (CC) Raging Planet Raging Planet Tidal DSC American Chopper The FBI Files Guilty or Innocent? Justice Files The FBI Files Guilty or Innocent? RW Program Program Program Program Tornado (CC) Wave (CC) RW Leno Bike 1 (CC) Operation Goldenrod (N) Domestic abuse. Operation Goldenrod A&E Biography: Prince Movie: Storm Chasers: Revenge of the Old Old Ask This Ask This All Year Movie: A&E City Confidential City Confidential Cold Case Files MI-5 Love and Death Amer. Justice City Confidential RZ William-King Twister (1998, Adventure) Kelly McGillis. House House Old Old Round RZ (CC) (CC) (CC) (N) (CC) (CC) ESPN SportsCenter (CC) SportsCenter (CC) SportsCenter (CC) SportsCenter (Live) College GameDay College Basketball: ESPN (5:00) NFL College GameDay College Basketball: Notre Dame at SportsCenter (Live) College GameDay R] (CC) (Live) Kansas at Nebraska. R] PrimeTime (Live) (Live) Syracuse. (Live) (CC) (CC) (Live) HBO (5:30) Movie: Let It Movie: Stuck on You (2003) Conjoined Rebels of Oakland: Inside the NFL NFL Movie: Gattaca HBO (5:00) Movie: Movie: The Matrix Revolutions TTZ Taxicab Confessions: New Carnivale (CC) Movie: N[ Ride TZ (1989) twins star on a TV show with . (CC) The A’s news and highlights. TTT (1997) (CC) N[ Matchstick Men (2003, Science Fiction) . York, New York (N) (CC) Bad II MAX Movie: The Naked Gun TTTZ Movie: Noises Off TTT (1992, Movie: Confidence TTT (2003, Crime Movie: Old School MAX (5:30) Movie: Movie: Old School TT (2003) Three men Movie: Starsky & Hutch TTZ Movie: Voyeur Beach (2002, Oa (1988, Comedy) Leslie Nielsen. Comedy) Carol Burnett. (CC) Drama) Edward Burns, Rachel Weisz. (CC) TT (2003) Oa Killing Emmett relive their wild past by starting a fraternity. (2004, Comedy) . Adult) Juliet Cariaga. (CC) DISN Koala The Higgly- JoJo’s The Stanley Rolie Lilo & Lilo & Barbar- Barbar- Ameri- DISN Phil of That’s- Movie: A Saintly Switch TTZ (1999, Lizzie Phil of Ameri- That’s- Whis- Kim Q[ Brothers Wiggles town Circus Wiggles (CC) Polie Stitch Stitch ian ian can Drgn Q[ Future Raven Fantasy) David Alan Grier. (Premiere) (CC) McGuire Future can Drgn Raven kers Possible

SATURDAY FEBRUARY 5

12 PM 12:30 1 PM 1:30 2 PM 2:30 3 PM 3:30 4 PM 4:30 5 PM 5:30 KLBY/ABC Paid Paid Paid Paid Best of Winter X Golf: Wendy’s Champions Skins Game -- Paid ABC Wld Hh Program Program Program Program Games (N) Day One. (Live) Program News KSNK/NBC Jeop- Paid Track and Field: Millrose World of Adventure Bull Riding: PBR Built Ford Paid NBC Lj ardy! Program Games. New York. (CC) Sports (N) (CC) Tough Series. Tampa, Fla. (CC) Program News KBSL/CBS College Basketball: Georgia Tech at PGA Golf: FBR Open -- Third Round. Scottsdale, Ariz. (Live) Paid CBS 1< NX Duke. (Live) (CC) (CC) Program News YOUR LOCAL SOURCE FOR: K15CG Yankee This Old Ask This Home- Wood- Find! Paint! School- Love of Piano Cabin Kansas d Shop House Old time (N) wright (CC) Paint! Fine Art Quilting Guy (CC) Country Spotlight NEWS ¥ WEATHER ¥ SPORTS USA World Cup Skiing: Movie: Jeepers Creepers TTZ (2001, Battlestar Galactica 33; Water (CC) Movie: Riding the P[ Men’s Downhill. Horror) Gina Phillips, Justin Long. (CC) Bullet TT (2004) TBS (11:05) Movie: Forces of Movie: Mickey Blue Eyes TTZ (1999, Movie: A Knight’s Tale TTZ (2001) A peasant poses 155 W. 5th ¥ 785-462-3963 Pl Nature TTZ (1999, Romance) Comedy) (PA) Hugh Grant. (CC) as a knight for a shot at jousting glory. Heath Ledger. WGN Soul Train Freddie Movie: A Thousand Acres TZ (1997, Mutant X Andromeda Pride Home Will & P] Jackson. Drama) . (CC) Wilderness beast. Before the Fall (CC) Improve. Grace TNT (11:00) Movie: Donnie Brasco Movie: Enough TT (2002, Suspense) A woman takes Law & Order Black, Law & Order P^ TTTZ (1997) Al Pacino. her daughter and flees her abusive husband. White and Blue American Jihad nwkansas.com NICK Hey CatDog Nick- Nick- Nick- Nick- Nick- Nick- Nick- Nick- Nick- Nick- QZ Arnold! (CC) toons TV toons TV toons TV toons TV toons TV toons TV toons TV toons TV toons TV toons TV FAM 7th Heaven Gilmore Girls The Smallville Jitters Movie: (2002) A scientist’s Movie: Austin Q] Anything You Want Road Trip to Harvard (CC) son steals his father’s time-altering device. Powers: Mystery Get connected to the Internet with us! DSC Earthquake Storms Supervolcanoes Pompeii: The Last Day American Hot Rod Biker Build-Off Ron RW (CC) (CC) ’63 Chevy Sting Ray Finch. We have local technical support. A&E (11:30) Movie: The Shipping News TT Caesars 24/7 (CC) Caesars 24/7 Caesars 24/7 Love Caesars 24/7 The RZ (2001, Drama) Kevin Spacey. (CC) Dream On (CC) Is a Gamble (CC) Games People Play ESPN College Basketball: College Basketball: George Washington College Basketball: Cincinnati at NFL PrimeTime R] Kansas at Nebraska. at Temple. (Live) (CC) Charlotte. (Live) (CC) Jacksonville, Fla. HBO (11:00) Movie: Movie: Grind TZ (2003) Friends follow a Movie: Stuck on You (2003) Conjoined Movie: Matchstick Come see us at N[ Gattaca TTT (1997) legendary skateboarder across America. twins star on a TV show with Cher. (CC) Men TTT (2003) MAX (11:00) Movie: The Untouchables TTTT (1987, Movie: The Substitute TT Movie: The Medallion TT Movie: Oa Movie: Drama) Kevin Costner. (CC) (1993) Amanda Donohoe. (CC) (2003, Action) . Killing 155 W. 5th St. or call 462-3963 DISN Whis- Proud Movie: The Garbage-Picking Field Goal- Lilo & Whis- Ameri- Kim Lizzie Lizzie Q[ kers Family Kicking, Philadelphia Phenomenon TTZ Stitch kers can Drgn Possible McGuire McGuire