Commentary

Q. I paid a company called TaxMasters to help me settle my problems with the IRS. I understand it has filed bankruptcy. What do I do now?

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One of the most frequently asked questions I’m asked is how to download YouTube and other videos on the Web. Luckily, there are several free utilities, Web sites and browser plug-ins that make the process easy.

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Ever since I purchased a new Vista-64 computer several years ago, I have enjoyed using several of Microsoft’s desktop gadgets and Yahoo’s desktop widgets. In recent years, I have written several columns extolling the joys of widgets and gadgets, and telling where to find them. Widgets and gadgets are small utilities that can be placed on a Windows or Mac desktop and provide the user with current information of some kind. Yahoo offered more than 6,000 free widgets, and Microsoft offered thousands of gadgets.

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It never ceases to amaze me how much reliable and quality help is available on the Internet. One of my favorite resources for tips, tricks, cheat sheets and apps is the Web site at www.makeuseof.com. Hosted in the U.K. but with an international staff, MakeUseOf has established a reputation of excellence in terms of tips and tricks to improve our cyber lives, regardless of what operating system we choose or devices we own.

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We all have experienced the loss of a friend or a relative. And while those instances are truly sad, there might come a time in our lives when we have to say “Goodbye,” “I’m sorry” or “I will miss you” and move on to ensure our lives and our family’s lives are safe.

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Q. In my divorce settlement, my spouse received the home that we owned. She also is required to make all the payments. My name, however, is still on the mortgage. What do I need to do to remove my name from documents pertaining to this home?

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We are now well into hurricane season, and tropical storms started early this year. Compared to just a few years ago, when we had to manually plot storms on a map provided as a free hand out from the supermarket, today there is a plethora of hurricane tracking and information sites available online, and as apps for our Android devices, Windows phones, Blackberry devices, iPads and iPhones.

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After writing about the subject of faith last week in my column, a dear friend sent me this quote: “Faith is the bridge between where I am and the place God is taking me.”

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Q. I have a dispute with a small business that I want to resolve in small claims court. I know I can sue for up to $10,000, but I have some questions. Do I need an attorney? What is the statute of limitations in small claims court? How do I get my money if I win?

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You have undoubtedly seen countless TV and print ads for a service that promises to give you a “free credit report” but requires a monthly or annual membership for credit monitoring in order to get your “free” credit report. According to the Federal Trade Commission, many people did not realize that in order to get their “free” credit report, they were committing to a $79.95 annual fee for credit monitoring.

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