Category: Family & Home

  • Sex Offender Targets Over 350 Teenage Girls On Facebook

    Sex Offender Targets Over 350 Teenage Girls On Facebook

    POUND RIDGE, N.Y. – Tonight, one Pound Ridge mother is being hailed as a hero by her local community.

    After discovering a Level 3 sex offender had moved into town and began contacting her daughter online through Facebook, she immediately notified the local police.

    Edward Campbell, who in 2002 at the age of 22, was convicted of having sex with a 13 year old girl, had befriended more than 350 teenage girls on Facebook, Twitter, and other social networking sites. Authorities say Campbell was immediately arrested once it was confirmed that he was a registered sex offender communicating with minors.

    In addition, he was charged with violating the conditions of his probation when he moved into town and did not register with the local authorities as a convicted sex offender. He faces up to seven years in prison.

    The subsequent police investigation uncovered a pattern of predatory behavior since Campbell arrived in town. Police discovered many of the teenagers he befriended were students at various middle schools in the district and that Campbell introduced himself as a rap star.

    While there were no reports of him raping any of the girls, police say his intent was very specific and if it weren’t for one very astute parent, they have little doubt that it was a matter of time before he perpetrated a serious sexual offense.

    Campbell moved into a local apartment rented to him by a friend, but the landlord of the property said he had no knowledge of Campbell living there and that he was not on the lease.

    As a condition of his probation, Campbell is not allowed to be within a half-of-a-mile of an elementary school or daycare, yet he took a job as a bus boy at a newly opened restaurant that put him in close proximity to both.

    At the time of his arrest, he was in possession of two cell phones and a computer, all of which are prohibited under the conditions of his release. There was evidence that he used the electronic devices to communicate with various teenage girls on Facebook and Twitter.

    “This is not a guy that just met a girl on Facebook and became friends with her. This is a predator that manipulated victims to lure them,” Police officials said. “He’s not a rap star. He’s a guy trying to create this groupie environment to manipulate girls and draw them in.”

    Victoria Cooper, a resident that has a 12-year-old daughter at the local Elementary School, who is just starting to “get into computers” said, “I didn’t realize exactly what was happening, but I’d be lying to you if I said I felt comfortable. I don’t. I don’t feel comfortable at all. I’m a little jarred by the idea of a sex offender living so close to my children. It’s very upsetting that this has happened in my community, and now I’m going to be as vigilant as I can.”

    Authorities suggest concerned parents monitor their child’s online activities and subscribe to a sex offender registration service. They say you will receive email notifications about new sexual registrants in your area as well as emergency offender alerts.

    As a first line of defense, they also suggest parents talk to their kids about online safety, and Google the names of their Facebook friends, along with the word “sex offender.”

    “We encourage you to find out who your kids friends are, especially if they are using any social networking sites. You’ll probably find out very quickly that they are communicating with people they shouldn’t be.”

    To learn more about how you can keep your child safe from sexual predators click here

  • Are Home Warranties A Good Investment?

    Are Home Warranties A Good Investment?

    Home warranties are big business. One out of 5 homes in the U.S. has one of these policies that cover things that homeowners insurance doesn’t, from appliance breakdowns to plumbing problems to electrical issues. Some people swear by their home warranty; others have been ripped off by an industry that isn’t regulated in some states. A home is the largest purchase most people make in a lifetime. While it’s understandable to want to protect that investment, it’s important to know how to determine if you need to buy a home warranty.

    Owning a house means that repairs and maintenance issues will come up. Even with home warranties, homeowners should budget for home maintenance. Experts recommend that homeowners set aside 1 percent of the house’s value each year for repairs.

    Don’t let a seller-provided homeowner’s policy substitute for a home inspection if you’re buying a house.

    1. See what a proposed home warranty covers.
    Often, the homeowner warranty policy provides coverage for the repair or replacement of basic home systems, including electrical, heating, plumbing and major appliances.
    Companies that offer home warranties may provide coverage for other items such as swimming pools and septic systems at an extra cost.

    Ask what your costs will be with a home warranty.
    Most warranties specify that you will pay the cost of the service call with the warranty picking up the remainder of the costs.
    Annual premiums can range from $250 to $600 per year. The cost will be more for adding items or premium packages.
    A builder’s warranty may differ from a standard home warranty.
    3Know what to expect from a home warranty or builder’s warranty.
    Scheduling can be a problem when using a home warranty company approved repair firm.
    The home warranty company contracts with specific companies; you don’t get to choose.
    Service technicians may try to sell you unnecessary services.
    4Weigh the costs of repairs with the benefits of a home warranty.
    If you buy a $600 policy that you use twice in a year, once for a stopped up sink and another to replace a heating element in an oven, then your warranty costs more than your repairs.
    If you have a $600 policy that replaces a $3,500 air conditioning system, the home warranty has saved you money.
    5Read the homeowner’s policy service agreement very carefully. You’ll discover that some policies have loopholes. Look for exclusions or conditions such as:
    Pre-existing problems that aren’t covered.
    Requirements that coverage for repairs start after the homeowner has paid for an upgrade of the house to current building code standards.
    6Investigate a warranty company’s history and complaints before you sign, particularly if your state doesn’t regulate the home warranties industry.
    Public companies will have annual reports available so you can check their financial stability.
    7Forego home warranties if your appliances and home systems are relatively new. The cost of repairs are rarely as much as the warranty itself.
    A home warranty policy may be a good idea for a house with older systems, particularly if money is tight.
    Alternatively, if you have a decent emergency savings account, you may decide against the home warranty.
    8Expect a builder’s warranty for a new house. Many are protected for the first year.
    Builders who use subcontractors receive warranties from the subcontractors for materials and parts.

    Pay for the repairs and replacements.
    Home warranty companies tend to choose the cheaper repair over replacing an item.
    Consumer Reports advises that major appliances more than 7 years old should be replaced instead of repaired. They should also be replaced if repair costs are more than half what the replacement cost would be.