Professor Klon

Thumbelina

2009-12-02T20:24:00.000-08:00

There was once a woman who wished very much to have a little child, but she could not obtain her wish. At last she went to a fairy, and said, "I should so very much like to have a little child; can you tell me where I can find one?"
"Oh, that can be easily managed," said the fairy. "Here is a barleycorn of a different kind to those which grow in the farmer's fields, and which the chickens eat; put it into a flower-pot, and see what will happen."
"Thank you," said the woman, and she gave the fairy twelve shillings, which was the price of the barleycorn. Then she went home and planted it, and immediately there grew up a large handsome flower, something like a tulip in appearance, but with its leaves tightly closed as if it were still a bud.
"It is a beautiful flower," said the woman, and she kissed the red and golden-colored leaves, and while she did so the flower opened, and she could see that it was a real tulip. Within the flower, upon the green velvet stamens, sat a very delicate and graceful little maiden. She was scarcely half as long as a thumb, and they gave her the name of "Thumbelina," or Tiny, because she was so small. A walnut-shell, elegantly polished, served her for a cradle; her bed was formed of blue violet-leaves, with a rose-leaf for a counterpane. Here she slept at night, but during the day she amused herself on a table, where the woman had placed a plateful of water. Round this plate were wreaths of flowers with their stems in the water, and upon it floated a large tulip-leaf, which served Tiny for a boat. Here the little maiden sat and rowed herself from side to side, with two oars made of white horse-hair. It really was a very pretty sight. Tiny could, also, sing so softly and sweetly that nothing like her singing had ever before been heard.
One night, while she lay in her pretty bed, a large, ugly, wet toad crept through a broken pane of glass in the window, and leaped right upon the table where Tiny lay sleeping under her rose-leaf quilt. "What a pretty little wife this would make for my son," said the toad, and she took up the walnut-shell in which little Tiny lay asleep, and jumped through the window with it into the garden.

In the swampy margin of a broad stream in the garden lived the toad, with her son. He was uglier even than his mother, and when he saw the pretty little maiden in her elegant bed, he could only cry, "Croak, croak, croak."
"Don't speak so loud, or she will wake," said the toad, "and then she might run away, for she is as light as swan's down. We will place her on one of the water-lily leaves out in the stream; it will be like an island to her, she is so light and small, and then she cannot escape; and, while she is away, we will make haste and prepare the state-room under the marsh, in which you are to live when you are married."
Far out in the stream grew a number of water-lilies, with broad green leaves, which seemed to float on the top of the water. The largest of these leaves appeared farther off than the rest, and the old toad swam out to it with the walnut-shell, in which little Tiny lay still asleep.
The tiny little creature woke very early in the morning, and began to cry bitterly when she found where she was, for she could see nothing but water on every side of the large green leaf, and no way of reaching the land.
Meanwhile the old toad was very busy under the marsh, decking her room with rushes and wild yellow flowers, to make it look pretty for her new daughter-in-law. Then she swam out with her ugly son to the leaf on which she had placed poor little Tiny. She wanted to fetch the pretty bed, that she might put it in the bridal chamber to be ready for her. The old toad bowed low to her in the water, and said, "Here is my son, he will be your husband, and you will live happily in the marsh by the stream."
"Croak, croak, croak," was all her son could say for himself; so the toad took up the elegant little bed, and swam away with it, leaving Tiny all alone on the green leaf, where she sat and wept. She could not bear to think of living with the old toad, and having her ugly son for a husband.
The little fishes, who swam about in the water beneath, had seen the toad, and heard what she said, so they lifted their heads above the water to look at the little maiden. As soon as they caught sight of her, they saw she was very pretty, and it made them very sorry to think that she must go and live with the ugly toads. "No, it must never be!" So they assembled together in the water, round the green stalk which held the leaf on which the little maiden stood, and gnawed it away at the root with their teeth. Then the leaf floated down the stream, carrying Tiny far away out of reach of land.

Tiny sailed past many towns, and the little birds in the bushes saw her, and sang, "What a lovely little creature;" so the leaf swam away with her farther and farther, till it brought her to other lands.
A graceful little white butterfly constantly fluttered round her, and at last alighted on the leaf. Tiny pleased him, and she was glad of it, for now the toad could not possibly reach her, and the country through which she sailed was beautiful, and the sun shone upon the water, till it glittered like liquid gold. She took off her girdle and tied one end of it round the butterfly, and the other end of the ribbon she fastened to the leaf, which now glided on much faster than ever, taking little Tiny with it as she stood.
Presently a large cockchafer flew by; the moment he caught sight of her, he seized her round her delicate waist with his claws, and flew with her into a tree. The green leaf floated away on the brook, and the butterfly flew with it, for he was fastened to it, and could not get away.
Oh, how frightened little Tiny felt when the cockchafer flew with her to the tree! But especially was she sorry for the beautiful white butterfly which she had fastened to the leaf, for if he could not free himself he would die of hunger. But the cockchafer did not trouble himself at all about the matter. He seated himself by her side on a large green leaf, gave her some honey from the flowers to eat, and told her she was very pretty, though not in the least like a cockchafer.
After a time, all the cockchafers turned up their feelers, and said, "She has only two legs! how ugly that looks."
"She has no feelers," said another. "Her waist is quite slim. Pooh! she is like a human being."
"Oh! she is ugly," said all the lady cockchafers, although Tiny was very pretty. Then the cockchafer who had run away with her, believed all the others when they said she was ugly, and would have nothing more to say to her, and told her she might go where she liked. Then he flew down with her from the tree, and placed her on a daisy, and she wept at the thought that she was so ugly that even the cockchafers would have nothing to say to her. And all the while she was really the loveliest creature that one could imagine, and as tender and delicate as a beautiful rose-leaf.

During the whole summer poor little Tiny lived quite alone in the wide forest. She wove herself a bed with blades of grass, and hung it up under a broad leaf, to protect herself from the rain. She sucked the honey from the flowers for food, and drank the dew from their leaves every morning. So passed away the summer and the autumn, and then came the winter - the long, cold winter. All the birds who had sung to her so sweetly were flown away, and the trees and the flowers had withered. The large clover leaf under the shelter of which she had lived, was now rolled together and shrivelled up, nothing remained but a yellow withered stalk. She felt dreadfully cold, for her clothes were torn, and she was herself so frail and delicate, that poor little Tiny was nearly frozen to death.
It began to snow too; and the snow-flakes, as they fell upon her, were like a whole shovelful falling upon one of us, for we are tall, but she was only an inch high. Then she wrapped herself up in a dry leaf, but it cracked in the middle and could not keep her warm, and she shivered with cold.
Near the wood in which she had been living lay a corn-field, but the corn had been cut a long time; nothing remained but the bare dry stubble standing up out of the frozen ground. It was to her like struggling through a large wood. Oh! how she shivered with the cold.
She came at last to the door of a field-mouse, who had a little den under the corn-stubble. There dwelt the field-mouse in warmth and comfort, with a whole roomful of corn, a kitchen, and a beautiful dining room. Poor little Tiny stood before the door just like a little beggar-girl, and begged for a small piece of barley-corn, for she had been without a morsel to eat for two days.
"You poor little creature," said the field-mouse, who was really a good old field-mouse, "come into my warm room and dine with me." She was very pleased with Tiny, so she said, "You are quite welcome to stay with me all the winter, if you like; but you must keep my rooms clean and neat, and tell me stories, for I shall like to hear them very much."

And Tiny did all the field-mouse asked her, and found herself very comfortable.
"We shall have a visitor soon," said the field-mouse one day; "my neighbor pays me a visit once a week. He is better off than I am; he has large rooms, and wears a beautiful black velvet coat. If you could only have him for a husband, you would be well provided for indeed. But he is blind, so you must tell him some of your prettiest stories."
But Tiny did not feel at all interested about this neighbor, for he was a mole. However, he came and paid his visit dressed in his black velvet coat.
"He is very rich and learned, and his house is twenty times larger than mine," said the field-mouse.
He was rich and learned, no doubt, but he always spoke slightingly of the sun and the pretty flowers, because he had never seen them. Tiny was obliged to sing to him, "Lady-bird, lady-bird, fly away home," and many other pretty songs. And the mole fell in love with her because she had such a sweet voice; but he said nothing yet, for he was very cautious.
A short time before, the mole had dug a long passage under the earth, which led from the dwelling of the field-mouse to his own, and here she had permission to walk with Tiny whenever she liked. But he warned them not to be alarmed at the sight of a dead bird which lay in the passage. It was a perfect bird, with a beak and feathers, and could not have been dead long, and was lying just where the mole had made his passage. The mole took a piece of phosphorescent wood in his mouth, and it glittered like fire in the dark; then he went before them to light them through the long, dark passage. When they came to the spot where lay the dead bird, the mole pushed his broad nose through the ceiling, the earth gave way, so that there was a large hole, and the daylight shone into the passage. In the middle of the floor lay a dead swallow, his beautiful wings pulled close to his sides, his feet and his head drawn up under his feathers; the poor bird had evidently died of the cold. It made little Tiny very sad to see it, she did so love the little birds; all the summer they had sung and twittered for her so beautifully. But the mole pushed it aside with his crooked legs, and said, "He will sing no more now. How miserable it must be to be born a little bird! I am thankful that none of my children will ever be birds, for they can do nothing but cry, 'Tweet, tweet,' and always die of hunger in the winter."

"Yes, you may well say that, as a clever man!" exclaimed the field-mouse, "What is the use of his twittering, for when winter comes he must either starve or be frozen to death. Still birds are very high bred."
Tiny said nothing; but when the two others had turned their backs on the bird, she stooped down and stroked aside the soft feathers which covered the head, and kissed the closed eyelids. "Perhaps this was the one who sang to me so sweetly in the summer," she said; "and how much pleasure it gave me, you dear, pretty bird."
The mole now stopped up the hole through which the daylight shone, and then accompanied the lady home. But during the night Tiny could not sleep; so she got out of bed and wove a large, beautiful carpet of hay; then she carried it to the dead bird, and spread it over him; with some down from the flowers which she had found in the field-mouse's room. It was as soft as wool, and she spread some of it on each side of the bird, so that he might lie warmly in the cold earth.
"Farewell, you pretty little bird," said she, "farewell; thank you for your delightful singing during the summer, when all the trees were green, and the warm sun shone upon us." Then she laid her head on the bird's breast, but she was alarmed immediately, for it seemed as if something inside the bird went "thump, thump." It was the bird's heart; he was not really dead, only benumbed with the cold, and the warmth had restored him to life. In autumn, all the swallows fly away into warm countries, but if one happens to linger, the cold seizes it, it becomes frozen, and falls down as if dead; it remains where it fell, and the cold snow covers it. Tiny trembled very much; she was quite frightened, for the bird was large, a great deal larger than herself, - she was only an inch high. But she took courage, laid the wool more thickly over the poor swallow, and then took a leaf which she had used for her own counterpane, and laid it over the head of the poor bird.
The next morning she again stole out to see him. He was alive but very weak; he could only open his eyes for a moment to look at Tiny, who stood by holding a piece of decayed wood in her hand, for she had no other lantern.

"Thank you, pretty little maiden," said the sick swallow; "I have been so nicely warmed, that I shall soon regain my strength, and be able to fly about again in the warm sunshine."
"Oh," said she, "it is cold out of doors now; it snows and freezes. Stay in your warm bed; I will take care of you."
Then she brought the swallow some water in a flower-leaf, and after he had drank, he told her that he had wounded one of his wings in a thorn-bush, and could not fly as fast as the others, who were soon far away on their journey to warm countries. Then at last he had fallen to the earth, and could remember no more, nor how he came to be where she had found him.
The whole winter the swallow remained underground, and Tiny nursed him with care and love. Neither the mole nor the field-mouse knew anything about it, for they did not like swallows. Very soon the spring time came, and the sun warmed the earth. Then the swallow bade farewell to Tiny, and she opened the hole in the ceiling which the mole had made. The sun shone in upon them so beautifully, that the swallow asked her if she would go with him; she could sit on his back, he said, and he would fly away with her into the green woods. But Tiny knew it would make the field-mouse very grieved if she left her in that manner, so she said, "No, I cannot."
"Farewell, then, farewell, you good, pretty little maiden," said the swallow; and he flew out into the sunshine.
Tiny looked after him, and the tears rose in her eyes. She was very fond of the poor swallow.
"Tweet, tweet," sang the bird, as he flew out into the green woods, and Tiny felt very sad. She was not allowed to go out into the warm sunshine. The corn which had been sown in the field over the house of the field-mouse had grown up high into the air, and formed a thick wood to Tiny, who was only an inch in height.
"You are going to be married, Tiny," said the field-mouse. "My neighbor has asked for you. What good fortune for a poor child like you. Now we will prepare your wedding clothes. They must be both woollen and linen. Nothing must be wanting when you are the mole's wife."

Tiny had to turn the spindle, and the field-mouse hired four spiders, who were to weave day and night. Every evening the mole visited her, and was continually speaking of the time when the summer would be over. Then he would keep his wedding-day with Tiny; but now the heat of the sun was so great that it burned the earth, and made it quite hard, like a stone. As soon as the summer was over, the wedding should take place. But Tiny was not at all pleased; for she did not like the tiresome mole. Every morning when the sun rose, and every evening when it went down, she would creep out at the door, and as the wind blew aside the ears of corn, so that she could see the blue sky, she thought how beautiful and bright it seemed out there, and wished so much to see her dear swallow again. But he never returned; for by this time he had flown far away into the lovely green forest.
When autumn arrived, Tiny had her outfit quite ready; and the field-mouse said to her, "In four weeks the wedding must take place."
Then Tiny wept, and said she would not marry the disagreeable mole.
"Nonsense," replied the field-mouse. "Now don't be obstinate, or I shall bite you with my white teeth. He is a very handsome mole; the queen herself does not wear more beautiful velvets and furs. His kitchen and cellars are quite full. You ought to be very thankful for such good fortune."
So the wedding-day was fixed, on which the mole was to fetch Tiny away to live with him, deep under the earth, and never again to see the warm sun, because he did not like it. The poor child was very unhappy at the thought of saying farewell to the beautiful sun, and as the field-mouse had given her permission to stand at the door, she went to look at it once more.
"Farewell bright sun," she cried, stretching out her arm towards it; and then she walked a short distance from the house; for the corn had been cut, and only the dry stubble remained in the fields. "Farewell, farewell," she repeated, twining her arm round a little red flower that grew just by her side. "Greet the little swallow from me, if you should see him again."

"Tweet, tweet," sounded over her head suddenly. She looked up, and there was the swallow himself flying close by. As soon as he spied Tiny, he was delighted; and then she told him how unwilling she felt to marry the ugly mole, and to live always beneath the earth, and never to see the bright sun any more. And as she told him she wept.
"Cold winter is coming," said the swallow, "and I am going to fly away into warmer countries. Will you go with me? You can sit on my back, and fasten yourself on with your sash. Then we can fly away from the ugly mole and his gloomy rooms, - far away, over the mountains, into warmer countries, where the sun shines more brightly than here; where it is always summer, and the flowers bloom in greater beauty. Fly now with me, dear little Tiny; you saved my life when I lay frozen in that dark passage."
"Yes, I will go with you," said Tiny; and she seated herself on the bird's back, with her feet on his outstretched wings, and tied her girdle to one of his strongest feathers.
Then the swallow rose in the air, and flew over forest and over sea, high above the highest mountains, covered with eternal snow. Tiny would have been frozen in the cold air, but she crept under the bird's warm feathers, keeping her little head uncovered, so that she might admire the beautiful lands over which they passed.
At length they reached the warm countries, where the sun shines brightly, and the sky seems so much higher above the earth. Here, on the hedges, and by the wayside, grew purple, green, and white grapes; lemons and oranges hung from trees in the woods; and the air was fragrant with myrtles and orange blossoms. Beautiful children ran along the country lanes, playing with large gay butterflies; and as the swallow flew farther and farther, every place appeared still more lovely.
At last they came to a blue lake, and by the side of it, shaded by trees of the deepest green, stood a palace of dazzling white marble, built in the olden times. Vines clustered round its lofty pillars, and at the top were many swallows' nests, and one of these was the home of the swallow who carried Tiny.

"This is my house," said the swallow; "but it would not do for you to live there - you would not be comfortable. You must choose for yourself one of those lovely flowers, and I will put you down upon it, and then you shall have everything that you can wish to make you happy."
"That will be delightful," she said, and clapped her little hands for joy.
A large marble pillar lay on the ground, which, in falling, had been broken into three pieces. Between these pieces grew the most beautiful large white flowers; so the swallow flew down with Tiny, and placed her on one of the broad leaves. But how surprised she was to see in the middle of the flower, a tiny little man, as white and transparent as if he had been made of crystal! He had a gold crown on his head, and delicate wings at his shoulders, and was not much larger than Tiny herself. He was the angel of the flower; for a tiny man and a tiny woman dwell in every flower; and this was the king of them all.
"Oh, how beautiful he is!" whispered Tiny to the swallow.
The little prince was at first quite frightened at the bird, who was like a giant, compared to such a delicate little creature as himself; but when he saw Tiny, he was delighted, and thought her the prettiest little maiden he had ever seen. He took the gold crown from his head, and placed it on hers, and asked her name, and if she would be his wife, and queen over all the flowers.
This certainly was a very different sort of husband to the son of a toad, or the mole, with my black velvet and fur; so she said, "Yes," to the handsome prince. Then all the flowers opened, and out of each came a little lady or a tiny lord, all so pretty it was quite a pleasure to look at them. Each of them brought Tiny a present; but the best gift was a pair of beautiful wings, which had belonged to a large white fly and they fastened them to Tiny's shoulders, so that she might fly from flower to flower. Then there was much rejoicing, and the little swallow who sat above them, in his nest, was asked to sing a wedding song, which he did as well as he could; but in his heart he felt sad for he was very fond of Tiny, and would have liked never to part from her again.

"You must not be called Tiny any more," said the spirit of the flowers to her. "It is an ugly name, and you are so very pretty. We will call you Maia."
"Farewell, farewell," said the swallow, with a heavy heart as he left the warm countries to fly back into Denmark. There he had a nest over the window of a house in which dwelt the writer of fairy tales. The swallow sang, "Tweet, tweet," and from his song came the whole story.

Hansel and Gretel

2009-12-02T20:20:00.000-08:00

Hard by a great forest dwelt a poor wood-cutter with his wife and his two children. The boy was called Hansel and the girl Gretel. He had little to bite and to break, and once, when great dearth fell on the land, he could no longer procure even daily bread.
Now when he thought over this by night in his bed, and tossed about in his anxiety. He groaned and said to his wife, "What is to become of us? How are we to feed our poor children, when we no longer have anything even for ourselves?"
"I'll tell you what, husband," answered the woman, "early tomorrow morning we will take the children out into the forest to where it is the thickest. There we will light a fire for them, and give each of them one more piece of bread, and then we will go to our work and leave them alone. They will not find the way home again, and we shall be rid of them."
"No, wife," said the man, "I will not do that. How can I bear to leave my children alone in the forest? The wild animals would soon come and tear them to pieces."
"Oh! you fool," said she, "then we must all four die of hunger, you may as well plane the planks for our coffins," and she left him no peace until he consented.
"But I feel very sorry for the poor children, all the same," said the man.
The two children had also not been able to sleep for hunger, and had heard what their step-mother had said to their father. Gretel wept bitter tears, and said to Hansel, "Now all is over with us."
"Be quiet, Gretel," said Hansel, "do not distress yourself, I will soon find a way to help us." And when the old folks had fallen asleep, he got up, put on his little coat, opened the door below, and crept outside.
The moon shone brightly, and the white pebbles which lay in front of the house glittered like real silver pennies. Hansel stooped and stuffed the little pocket of his coat with as many as he could get in. Then he went back and said to Gretel, "Be comforted, dear little sister, and sleep in peace, God will not forsake us," and he lay down again in his bed.

When day dawned, but before the sun had risen, the woman came and awoke the two children, saying, "Get up, you sluggards. We are going into the forest to fetch wood." She gave each a little piece of bread, and said, "There is something for your dinner, but do not eat it up before then, for you will get nothing else."
Gretel took the bread under her apron, as Hansel had the pebbles in his pocket. Then they all set out together on the way to the forest.
When they had walked a short time, Hansel stood still and peeped back at the house, and did so again and again. His father said, "Hansel, what are you looking at there and staying behind for? Pay attention, and do not forget how to use your legs."
"Ah, father," said Hansel, "I am looking at my little white cat, which is sitting up on the roof, and wants to say good-bye to me."
The wife said, "Fool, that is not your little cat, that is the morning sun which is shining on the chimneys."
Hansel, however, had not been looking back at the cat, but had been constantly throwing one of the white pebble-stones out of his pocket on the road.
When they had reached the middle of the forest, the father said, "Now, children, pile up some wood, and I will light a fire that you may not be cold."
Hansel and Gretel gathered brushwood together, as high as a little hill. The brushwood was lighted, and when the flames were burning very high, the woman said, "Now, children, lay yourselves down by the fire and rest, we will go into the forest and cut some wood. When we have done, we will come back and fetch you away."
Hansel and Gretel sat by the fire, and when noon came, each ate a little piece of bread, and as they heard the strokes of the wood-axe they believed that their father was near. It was not the axe, however, but a branch which he had fastened to a withered tree which the wind was blowing backwards and forwards. And as they had been sitting such a long time, their eyes closed with fatigue, and they fell fast asleep.
When at last they awoke, it was already dark night. Gretel began to cry and said, "How are we to get out of the forest now?"

But Hansel comforted her and said, "Just wait a little, until the moon has risen, and then we will soon find the way." And when the full moon had risen, Hansel took his little sister by the hand, and followed the pebbles which shone like newly-coined silver pieces, and showed them the way.
They walked the whole night long, and by break of day came once more to their father's house. They knocked at the door, and when the woman opened it and saw that it was Hansel and Gretel, she said, "You naughty children, why have you slept so long in the forest? We thought you were never coming back at all."
The father, however, rejoiced, for it had cut him to the heart to leave them behind alone.
Not long afterwards, there was once more great dearth throughout the land, and the children heard their mother saying at night to their father:
"Everything is eaten again, we have one half loaf left, and that is the end. The children must go, we will take them farther into the wood, so that they will not find their way out again. There is no other means of saving ourselves."
The man's heart was heavy, and he thought, "It would be better for you to share the last mouthful with your children." The woman, however, would listen to nothing that he had to say, but scolded and reproached him. He who says a must say b, likewise, and as he had yielded the first time, he had to do so a second time also.
The children, however, were still awake and had heard the conversation. When the old folks were asleep, Hansel again got up, and wanted to go out and pick up pebbles as he had done before, but the woman had locked the door, and Hansel could not get out. Nevertheless he comforted his little sister, and said, "Do not cry, Gretel, go to sleep quietly, the good God will help us."
Early in the morning came the woman, and took the children out of their beds. Their piece of bread was given to them, but it was still smaller than the time before. On the way into the forest Hansel crumbled his in his pocket, and often stood still and threw a morsel on the ground.

"Hansel, why do you stop and look round?" Said the father. "Go on."
"I am looking back at my little pigeon which is sitting on the roof, and wants to say good-bye to me, answered Hansel.
"Fool." Said the woman, "That is not your little pigeon, that is the morning sun that is shining on the chimney."
Hansel, however, little by little, threw all the crumbs on the path. The woman led the children still deeper into the forest, where they had never in their lives been before.
Then a great fire was again made, and the mother said, "Just sit there, you children, and when you are tired you may sleep a little. We are going into the forest to cut wood, and in the evening when we are done, we will come and fetch you away."
When it was noon, Gretel shared her piece of bread with Hansel, who had scattered his by the way. Then they fell asleep and evening passed, but no one came to the poor children.
They did not awake until it was dark night, and Hansel comforted his little sister and said, "Just wait, Gretel, until the moon rises, and then we shall see the crumbs of bread which I have strewn about, they will show us our way home again."
When the moon came they set out, but they found no crumbs, for the many thousands of birds which fly about in the woods and fields had picked them all up. Hansel said to Gretel, "We shall soon find the way."
But they did not find it. They walked the whole night and all the next day too from morning till evening, but they did not get out of the forest, and were very hungry, for they had nothing to eat but two or three berries, which grew on the ground. And as they were so weary that their legs would carry them no longer, they lay down beneath a tree and fell asleep.
It was now three mornings since they had left their father's house. They began to walk again, but they always came deeper into the forest, and if help did not come soon, they must die of hunger and weariness. When it was mid-day, they saw a beautiful snow-white bird sitting on a bough, which sang so delightfully that they stood still and listened to it. And when its song was over, it spread its wings and flew away before them, and they followed it until they reached a little house, on the roof of which it alighted. And when they approached the little house they saw that it was built of bread and covered with cakes, but that the windows were of clear sugar.

"We will set to work on that," said Hansel, "and have a good meal. I will eat a bit of the roof, and you Gretel, can eat some of the window, it will taste sweet."
Hansel reached up above, and broke off a little of the roof to try how it tasted, and Gretel leant against the window and nibbled at the panes. Then a soft voice cried from the parlor -
"Nibble, nibble, gnaw
who is nibbling at my little house?"
The children answered -
"The wind, the wind,
the heaven-born wind,"
and went on eating without disturbing themselves. Hansel, who liked the taste of the roof, tore down a great piece of it, and Gretel pushed out the whole of one round window-pane, sat down, and enjoyed herself with it.
Suddenly the door opened, and a woman as old as the hills, who supported herself on crutches, came creeping out. Hansel and Gretel were so terribly frightened that they let fall what they had in their hands.
The old woman, however, nodded her head, and said, "Oh, you dear children, who has brought you here? Do come in, and stay with me. No harm shall happen to you."
She took them both by the hand, and led them into her little house. Then good food was set before them, milk and pancakes, with sugar, apples, and nuts. Afterwards two pretty little beds were covered with clean white linen, and Hansel and Gretel lay down in them, and thought they were in heaven.
The old woman had only pretended to be so kind. She was in reality a wicked witch, who lay in wait for children, and had only built the little house of bread in order to entice them there. When a child fell into her power, she killed it, cooked and ate it, and that was a feast day with her. Witches have red eyes, and cannot see far, but they have a keen scent like the beasts, and are aware when human beings draw near. When Hansel and Gretel came into her neighborhood, she laughed with malice, and said mockingly, "I have them, they shall not escape me again."
Early in the morning before the children were awake, she was already up, and when she saw both of them sleeping and looking so pretty, with their plump and rosy cheeks, she muttered to herself, that will be a dainty mouthful.

Then she seized Hansel with her shrivelled hand, carried him into a little stable, and locked him in behind a grated door. Scream as he might, it would not help him. Then she went to Gretel, shook her till she awoke, and cried, "Get up, lazy thing, fetch some water, and cook something good for your brother, he is in the stable outside, and is to be made fat. When he is fat, I will eat him."
Gretel began to weep bitterly, but it was all in vain, for she was forced to do what the wicked witch commanded. And now the best food was cooked for poor Hansel, but Gretel got nothing but crab-shells. Every morning the woman crept to the little stable, and cried, "Hansel, stretch out your finger that I may feel if you will soon be fat."
Hansel, however, stretched out a little bone to her, and the old woman, who had dim eyes, could not see it, and thought it was Hansel's finger, and was astonished that there was no way of fattening him.
When four weeks had gone by, and Hansel still remained thin, she was seized with impatience and would not wait any longer.
"Now, then, Gretel," she cried to the girl, "stir yourself, and bring some water. Let Hansel be fat or lean, to-morrow I will kill him, and cook him."
Ah, how the poor little sister did lament when she had to fetch the water, and how her tears did flow down her cheeks. "Dear God, do help us," she cried. "If the wild beasts in the forest had but devoured us, we should at any rate have died together."
"Just keep your noise to yourself," said the old woman, "it won't help you at all."
Early in the morning, Gretel had to go out and hang up the cauldron with the water, and light the fire.
"We will bake first," said the old woman, "I have already heated the oven, and kneaded the dough." She pushed poor Gretel out to the oven, from which flames of fire were already darting. "Creep in," said the witch, "and see if it properly heated, so that we can put the bread in." And once Gretel was inside, she intended to shut the oven and let her bake in it, and then she would eat her, too.

But Gretel saw what she had in mind, and said, "I do not know how I am to do it. How do I get in?"
"Silly goose," said the old woman, "the door is big enough. Just look, I can get in myself." And she crept up and thrust her head into the oven.
Then Gretel gave her a push that drove her far into it, and shut the iron door, and fastened the bolt. Oh. Then she began to howl quite horribly, but Gretel ran away, and the godless witch was miserably burnt to death. Gretel, however, ran like lightning to Hansel, opened his little stable, and cried, "Hansel, we are saved. The old witch is dead."
Then Hansel sprang like a bird from its cage when the door is opened. How they did rejoice and embrace each other, and dance about and kiss each other. And as they had no longer any need to fear her, they went into the witch's house, and in every corner there stood chests full of pearls and jewels.
"These are far better than pebbles." Said Hansel, and thrust into his pockets whatever could be got in.
And Gretel said, "I, too, will take something home with me," and filled her pinafore full.
"But now we must be off," said Hansel, "that we may get out of the witch's forest."
When they had walked for two hours, they came to a great stretch of water.
"We cannot cross," said Hansel, "I see no foot-plank, and no bridge.
"And there is also no ferry," answered Gretel, "but a white duck is swimming there. If I ask her, she will help us over." Then she cried -
"Little duck, little duck, dost thou see,
Hansel and Gretel are waiting for thee.
There's never a plank, or bridge in sight,
take us across on thy back so white."
The duck came to them, and Hansel seated himself on its back, and told his sister to sit by him.
"No," replied Gretel, "that will be too heavy for the little duck. She shall take us across, one after the other."
The good little duck did so, and when they were once safely across and had walked for a short time, the forest seemed to be more and more familiar to them, and at length they saw from afar their father's house. Then they began to run, rushed into the parlor, and threw themselves round their father's neck. The man had not known one happy hour since he had left the children in the forest. The woman, however, was dead. Gretel emptied her pinafore until pearls and precious stones ran about the room, and Hansel threw one handful after another out of his pocket to add to them. Then all anxiety was at an end, and they lived together in perfect happiness.

The Twelve Dancing Princesses

2009-12-02T20:16:00.000-08:00

There was a king who had twelve beautiful daughters. They slept in twelve beds all in one room and when they went to bed, the doors were shut and locked up. However, every morning their shoes were found to be quite worn through as if they had been danced in all night. Nobody could find out how it happened, or where the princesses had been.

So the king made it known to all the land that if any person could discover the secret and find out where it was that the princesses danced in the night, he would have the one he liked best to take as his wife, and would be king after his death. But whoever tried and did not succeed, after three days and nights, they would be put to death.

A king's son soon came. He was well entertained, and in the evening was taken to the chamber next to the one where the princesses lay in their twelve beds. There he was to sit and watch where they went to dance; and, in order that nothing could happen without him hearing it, the door of his chamber was left open. But the king's son soon fell asleep; and when he awoke in the morning he found that the princesses had all been dancing, for the soles of their shoes were full of holes.

The same thing happened the second and third night and so the king ordered his head to be cut off.

After him came several others; but they all had the same luck, and all lost their lives in the same way.

Now it happened that an old soldier, who had been wounded in battle and could fight no longer, passed through the country where this king reigned, and as he was travelling through a wood, he met an old woman, who asked him where he was going.
'I hardly know where I am going, or what I had better do,' said the soldier; 'but I think I would like to find out where it is that the princesses dance, and then in time I might be a king.'

'Well,' said the old woman, 'that is not a very hard task: only take care not to drink any of the wine which one of the princesses will bring to you in the evening; and as soon as she leaves you pretend to be fast asleep.'

Then she gave him a cloak, and said, 'As soon as you put that on you will become invisible, and you will then be able to follow the princesses wherever they go.' When the soldier heard all this good advice, he was determined to try his luck, so he went to the king, and said he was willing to undertake the task.

He was as well received as the others had been, and the king ordered fine royal robes to be given him; and when the evening came he was led to the outer chamber.

Just as he was going to lie down, the eldest of the princesses brought him a cup of wine; but the soldier threw it all away secretly, taking care not to drink a drop. Then he laid himself down on his bed, and in a little while began to snore very loudly as if he was fast asleep.

When the twelve princesses heard this they laughed heartily; and the eldest said, 'This fellow too might have done a wiser thing than lose his life in this way!' Then they rose and opened their drawers and boxes, and took out all their fine clothes, and dressed themselves at the mirror, and skipped about as if they were eager to begin dancing.

But the youngest said, 'I don't know why it is, but while you are so happy I feel very uneasy; I am sure some mischance will befall us.'

'You simpleton,' said the eldest, 'you are always afraid; have you forgotten how many kings' sons have already watched in vain? And as for this soldier, even if I had not given him his sleeping draught, he would have slept soundly enough.'
When they were all ready, they went and looked at the soldier; but he snored on, and did not stir hand or foot: so they thought they were quite safe.

Then the eldest went up to her own bed and clapped her hands, and the bed sank into the floor and a trap-door flew open. The soldier saw them going down through the trap-door one after another, the eldest leading the way; and thinking he had no time to lose, he jumped up, put on the cloak which the old woman had given him, and followed them.

However, in the middle of the stairs he trod on the gown of the youngest princess, and she cried out to her sisters, 'All is not right; someone took hold of my gown.'

'You silly creature!' said the eldest, 'it is nothing but a nail in the wall.'
Down they all went, and at the bottom they found themselves in a most delightful grove of trees; and the leaves were all of silver, and glittered and sparkled beautifully. The soldier wished to take away some token of the place; so he broke off a little branch, and there came a loud noise from the tree. Then the youngest daughter said again, 'I am sure all is not right -- did not you hear that noise? That never happened before.'

But the eldest said, 'It is only our princes, who are shouting for joy at our approach.'

They came to another grove of trees, where all the leaves were of gold; and afterwards to a third, where the leaves were all glittering diamonds. And the soldier broke a branch from each; and every time there was a loud noise, which made the youngest sister tremble with fear. But the eldest still said it was only the princes, who were crying for joy.

They went on till they came to a great lake; and at the side of the lake there lay twelve little boats with twelve handsome princes in them, who seemed to be waiting there for the princesses.

One of the princesses went into each boat, and the soldier stepped into the same boat as the youngest. As they were rowing over the lake, the prince who was in the boat with the youngest princess and the soldier said, 'I do not know why it is, but though I am rowing with all my might we do not get on so fast as usual, and I am quite tired: the boat seems very heavy today.'

'It is only the heat of the weather,' said the princess, 'I am very warm, too.'
On the other side of the lake stood a fine, illuminated castle from which came the merry music of horns and trumpets. There they all landed, and went into the castle, and each prince danced with his princess; and the soldier, who was still invisible, danced with them too. When any of the princesses had a cup of wine set by her, he drank it all up, so that when she put the cup to her mouth it was empty. At this, too, the youngest sister was terribly frightened, but the eldest always silenced her.

They danced on till three o'clock in the morning, and then all their shoes were worn out, so that they were obliged to leave. The princes rowed them back again over the lake (but this time the soldier placed himself in the boat with the eldest princess); and on the opposite shore they took leave of each other, the princesses promising to come again the next night.

When they came to the stairs, the soldier ran on before the princesses, and laid himself down. And as the twelve, tired sisters slowly came up, they heard him snoring in his bed and they said, 'Now all is quite safe'. Then they undressed themselves, put away their fine clothes, pulled off their shoes, and went to bed.
In the morning the soldier said nothing about what had happened, but determined to see more of this strange adventure, and went again on the second and third nights. Everything happened just as before: the princesses danced till their shoes were worn to pieces, and then returned home. On the third night the soldier carried away one of the golden cups as a token of where he had been.

As soon as the time came when he was to declare the secret, he was taken before the king with the three branches and the golden cup; and the twelve princesses stood listening behind the door to hear what he would say.

The king asked him. 'Where do my twelve daughters dance at night?'
The soldier answered, 'With twelve princes in a castle underground.' And then he told the king all that had happened, and showed him the three branches and the golden cup which he had brought with him.

The king called for the princesses, and asked them whether what the soldier said was true and when they saw that they were discovered, and that it was of no use to deny what had happened, they confessed it all.

So the king asked the soldier which of the princesses he would choose for his wife; and he answered, 'I am not very young, so I will have the eldest.' -- and they were married that very day, and the soldier was chosen to be the king's heir.

Rapunzel

2009-12-02T20:13:00.000-08:00

There were once a man and a woman who had long, in vain, wished for a child. At length it appeared that God was about to grant their desire.

These people had a little window at the back of their house from which a splendid garden could be seen, which was full of the most beautiful flowers and herbs. It was, however, surrounded by a high wall, and no one dared to go into it because it belonged to an enchantress, who had great power and was dreaded by all the world.
One day the woman was standing by this window and looking down into the garden, when she saw a bed which was planted with the most beautiful rampion, and it looked so fresh and green that she longed for it. She quite pined away, and began to look pale and miserable.

Her husband was alarmed, and asked: 'What ails you, dear wife?'
'Ah,' she replied, 'if I can't eat some of the rampion, which is in the garden behind our house, I shall die.'

The man, who loved her, thought: 'Sooner than let your wife die, bring her some of the rampion yourself, let it cost what it will.'

At twilight, he clambered down over the wall into the garden of the enchantress, hastily clutched a handful of rampion, and took it to his wife. She at once made herself a salad of it, and ate it greedily. It tasted so good to her - so very good, that the next day she longed for it three times as much as before.

If he was to have any rest, her husband knew he must once more descend into the garden. Therefore, in the gloom of evening, he let himself down again; but when he had clambered down the wall he was terribly afraid, for he saw the enchantress standing before him.

'How can you dare,' said she with angry look, 'descend into my garden and steal my rampion like a thief? You shall suffer for it!'
'Ah,' answered he, 'let mercy take the place of justice, I only made up my mind to do it out of necessity. My wife saw your rampion from the window, and felt such a longing for it that she would have died if she had not got some to eat.'

The enchantress allowed her anger to be softened, and said to him: 'If the case be as you say, I will allow you to take away with you as much rampion as you will, only I make one condition, you must give me the child which your wife will bring into the world; it shall be well treated, and I will care for it like a mother.'

The man in his terror consented to everything.

When the woman was brought to bed, the enchantress appeared at once, gave the child the name of Rapunzel, and took it away with her.
Rapunzel grew into the most beautiful child under the sun. When she was twelve years old, the enchantress shut her into a tower in the middle of a forest. The tower had neither stairs nor door, but near the top was a little window. When the enchantress wanted to go in, she placed herself beneath it and cried:

'Rapunzel, Rapunzel,
Let down your hair to me.'

Rapunzel had magnificent long hair, fine as spun gold, and when she heard the voice of the enchantress, she unfastened her braided tresses, wound them round one of the hooks of the window above, and then the hair fell twenty ells down, and the enchantress climbed up by it.

After a year or two, it came to pass that the king's son rode through the forest and passed by the tower. Then he heard a song, which was so charming that he stood still and listened. It was Rapunzel, who in her solitude passed her time in letting her sweet voice resound. The king's son wanted to climb up to her, and looked for the door of the tower, but none was to be found. He rode home, but the singing had so deeply touched his heart, that every day he went out into the forest and listened to it.

Once when he was thus standing behind a tree, he saw that an enchantress came there, and he heard how she cried:

'Rapunzel, Rapunzel,
Let down your hair to me.'

Then Rapunzel let down the braids of her hair, and the enchantress climbed up to her.
'If that is the ladder by which one mounts, I too will try my fortune,' said he, and the next day when it began to grow dark, he went to the tower and cried:

'Rapunzel, Rapunzel,
Let down your hair to me.'

Immediately the hair fell down and the king's son climbed up.
At first Rapunzel was terribly frightened when a man, such as her eyes had never yet beheld, came to her; but the king's son began to talk to her quite like a friend, and told her that his heart had been so stirred that it had let him have no rest, and he had been forced to see her. Then Rapunzel lost her fear, and when he asked her if she would take him for her husband, and she saw that he was young and handsome, she thought: 'He will love me more than old Dame Gothel does'; and she said yes, and laid her hand in his.

She said: 'I will willingly go away with you, but I do not know how to get down. Bring with you a skein of silk every time that you come, and I will weave a ladder with it, and when that is ready I will descend, and you will take me on your horse.'
They agreed that until that time he should come to her every evening, for the old woman came by day. The enchantress remarked nothing of this, until once Rapunzel said to her: 'Tell me, Dame Gothel, how it happens that you are so much heavier for me to draw up than the young king's son - he is with me in a moment.'

'Ah! you wicked child,' cried the enchantress. 'What do I hear you say! I thought I had separated you from all the world, and yet you have deceived me!'
In her anger she clutched Rapunzel's beautiful tresses, wrapped them twice round her left hand, seized a pair of scissors with the right, and snip, snap, they were cut off, and the lovely braids lay on the ground. And she was so pitiless that she took poor Rapunzel into a desert where she had to live in great grief and misery.
On the same day that she cast out Rapunzel, however, the enchantress fastened the braids of hair, which she had cut off, to the hook of the window, and when the king's son came and cried:

'Rapunzel, Rapunzel,
Let down your hair to me.'

she let the hair down. The king's son ascended, but instead of finding his dearest Rapunzel, he found the enchantress, who gazed at him with wicked and venomous looks.

'Aha!' she cried mockingly, 'you would fetch your dearest, but the beautiful bird sits no longer singing in the nest; the cat has got it, and will scratch out your eyes as well. Rapunzel is lost to you; you will never see her again.'
The king's son was beside himself with pain, and in his despair he leapt down from the tower. He escaped with his life, but the thorns into which he fell pierced his eyes.

He wandered quite blind about the forest, ate nothing but roots and berries, and did naught but lament and weep over the loss of his dearest wife. Thus he roamed about in misery for some years, and at length came to the desert where Rapunzel, with the twins to which she had given birth, a boy and a girl, lived in wretchedness. He heard a voice, and it seemed so familiar to him that he went towards it, and when he approached, Rapunzel knew him and fell on his neck and wept. Two of her tears wetted his eyes and they grew clear again, and he could see with them as before. He led her to his kingdom where he was joyfully received, and they lived for a long time afterwards, happy and contented.

Wait For The Brick

2009-12-02T20:11:00.000-08:00

A young and successful executive was traveling down a neighborhood street, going a bit too fast in his new Jaguar. He was watching for kids darting out from between parked cars and slowed down when he thought he saw something. As his car passed, no children appeared. Instead, a brick smashed into the Jag's side door! He slammed on the brakes and drove the Jag back to the spot where the brick had been thrown. The angry driver then jumped out of the car, grabbed the nearest kid and pushed him up against a parked car, shouting, "What was that all about and who are you?
Just what the heck are you doing?
That's a new car and that brick you threw is going to cost a lot of money.
Why did you do it?"
The young boy was apologetic. "Please mister ... please, I'm sorry... I didn't know what else to do," he pleaded.
"I threw the brick because no one else would stop..."
With tears dripping down his face and off his chin, the youth pointed to a spot just around a parked car.
"It's my brother," he said.
"He rolled off the curb and fell out of his wheelchair and I can't lift him up."

Now sobbing, the boy asked the stunned executive, "Would you please help me get him back into his wheelchair? He's hurt and he's too heavy for me."
Moved beyond words, the driver tried to swallow the rapidly swelling lump in his throat. He hurriedly lifted the handicapped boy back into the wheelchair, then took out his fancy handkerchief and dabbed at the fresh scrapes and cuts. A quick look told him everything was going to be okay.

"Thank you and may God bless you," the grateful child told the stranger.
Too shook up for words, the man simply watched the little boy push his wheelchair-bound brother down the sidewalk toward their home. It was a long, slow walk back to the Jaguar. The damage was very noticeable, but the driver never bothered to repair the dented side door. He kept the dent there to remind him of this message: Don't go through life so fast that someone has to throw a brick at you to get your attention!

God whispers in our souls and speaks to our hearts. Sometimes when we don't have time to listen, He has to throw a brick at us.

It's our choice: Listen to the whisper ... or wait for the brick!

PUPPIES FOR SALE

2009-12-02T20:08:00.000-08:00

A farmer had some puppies he needed to sell. He painted a sign advertising the pups and set about Nailing it to a post on the edge of his yard. As he was driving the last nail into the post, he Felt a tug on his overalls. He looked down into the Eyes of a little boy.

Mister," he said, "I want to buy one of your puppies."

"Well," said the farmer, as he rubbed the sweat off the back of his neck, "these puppies come from fine parents and cost a good deal of money."

The boy dropped his head for a moment. Then reaching deep into his pocket, he pulled out a handful of change and held it up to the farmer. "I've got thirty-nine cents. Is that enough to take a look?"

"Sure," said the farmer.

And with that he let out a whistle,"Here,Dolly!" he called.
Out from the doghouse and down the ramp ran Dolly followed by four little balls of fur. The little boy pressed his face against the chain link fence. His eyes danced with delight.

As the dogs made their way to the fence, the little boy noticed something else stirring inside the doghouse. Slowly another little ball appeared; this One noticeably smaller. Down the ramp it slid. Then in a somewhat awkward manner the little pup began hobbling toward the others, doing its best to catch up....
"I want that one," the little boy said, pointing to the runt.

The farmer knelt down at the boy's side and said, "Son, you don't want that puppy. He will never be able to run and play with you like these other dogs would."
With that the little boy stepped back from the fence, reached down, and began rolling up one leg of his trousers. In doing so he revealed a steel brace running down both sides of his leg attaching itself To a specially made shoe. Looking back up at the farmer, he said, "You see sir, I don't run too well myself, and he will need Someone who understands."

The world is full of people who need someone who understands.

THE 4 WIVES

2009-12-02T20:06:00.000-08:00

There was a rich merchant who had 4 wives. He loved the 4th wife the most and adorned her with rich robes and treated her to delicacies. He took great care of her and gave her nothing but the best.

He also loved the 3rd wife very much. He's very proud of her and always wanted to show off her to his friends. However, the merchant is always in great fear that she might run away with some other men.

He too, loved his 2nd wife. She is a very considerate person, always patient and in fact is the merchant's confidante. Whenever the merchant faced some problems, he always turned to his 2nd wife and she would always help him out and tide him through difficult times.

Now, the merchant's 1st wife is a very loyal partner and has made great contributions in maintaining his wealth and business as well as taking care of the household. However, the merchant did not love the first wife and although she loved him deeply, he hardly took notice of her.

One day, the merchant fell ill. Before long, he knew that he was going to die soon. He thought of his luxurious life and told himself, "Now I have 4 wives with me. But when I die, I'll be alone. How lonely I'll be!"

Thus, he asked the 4th wife, "I loved you most, endowed you with the finest clothing and showered great care over you. Now that I'm dying, will you follow me and keep me company?" "No way!" replied the 4th wife and she walked away without another word.

The answer cut like a sharp knife right into the merchant's heart. The sad merchant then asked the 3rd wife, "I have loved you so much for all my life. Now that I'm dying, will you follow me and keep me company?" "No!" replied the 3rd wife. "Life is so good over here! I'm going to remarry when you die!" The merchant's heart sank and turned cold.

He then asked the 2nd wife, "I always turned to you for help and you've always helped me out. Now I need your help again. When I die, will you follow me and keep me company?" "I'm sorry, I can't help you out this time!" replied the 2nd wife. "At the very most, I can only send you to your grave." The answer came like a bolt of thunder and the merchant was devastated.

Then a voice called out : "I'll leave with you. I'll follow you no matter where you go." The merchant looked up and there was his first wife. She was so skinny, almost like she suffered from malnutrition. Greatly grieved, the merchant said, "I should have taken much better care of you while I could have !"

Actually, we all have 4 wives in our lives

a. The 4th wife is our body. No matter how much time and effort we lavish in making it look good, it'll leave us when we die.

b. Our 3rd wife ? Our possessions, status and wealth. When we die, they all go to others.

c. The 2nd wife is our family and friends. No matter how close they had been there for us when we're alive, the furthest they can stay by us is up to the grave.

d. The 1st wife is in fact our soul, often neglected in our pursuit of material, wealth and sensual pleasure.

Extended-cycle Birth Control Pill

2009-11-20T06:03:00.000-08:00

Pharmacists and the Pill
Some pharmacists object to the Pill for moral or religious reasons. Several states have laws protecting these pharmacists (as well as doctors and other health care providers) from any ramifications should they refuse to prescribe, fill or give information about contraceptive-related medications or services. In late 2008, a federal regulation expanding upon these laws was issued by U.S. Department of Health and Human Services, which will likely bring great changes to the way that reproductive services are provided in the United States.
The newest type of pill is especially designed for continuous use. Sometimes known as the extended-cycle pill, it either reduces the number of periods a woman has or eliminates them completely. The three brands currently on the market are:

Lybrel - 365 days of pills, resulting in no periods at all

Seasonale - 84 days of pills, 7 days of inactive pills, resulting in a period four times a year

Seasonique - 84 days of active pills, 7 days of lower-dose estrogen-only pills, resulting in a period four times a year

A health care provider might prescribe extended-cycle pills for a woman who has painful periods even on typical combination pills, or for someone who just wants to avoid the inconvenience of a monthly period.

Extended-cycle pills can be more effective than combination pills and better at treating some disorders like chronic benign cysts, endometriosis and PMDD. These types of pills carry the same side effects as combination pills but are more likely to cause spotting. They may also cause concern among fertile women because there are fewer periods, or none at all, to serve as an indication that they're not pregnant.

Although it may seem unhealthy to limit or go completely without a period, it isn't. The constant levels of estrogen and progestin keep the uterine lining very thin, so there isn't really anything to shed anyway. For the whole story, read Do you really need a period every month?

The pill generally costs between $20 and $50 per month. Most insurance plans cover the pill, and older brands and generics are usually less expensive. The extended-cycle pills cost more because more pills are taken per month. Family planning clinics and local health departments often distribute a pill supply for six months or longer at a reduced rate.

Types of Birth Control Pills

2009-11-20T06:01:00.000-08:00

The Morning-after Pill
The morning-after pill, also known as the emergency contraception pill (ECP), contains either progestin and estrogen or just progestin in much higher doses than in the pill. It's designed to prevent ovulation, fertilization of the egg or the implantation of an embryo. Although some consider it to be an abortifacient, the general consensus is that it isn't, because it acts prior to implantation. For more information, see How does the morning-after pill work?

There are three different types of oral contraceptive pills: combination, progestin-only or extended-release.

The combination pill is the one most commonly used, but the progestin-only pill, also known as the "minipill," is a better choice for some women -- women who are breastfeeding, for example, can't take a pill with estrogen because it affects their milk supply. Some examples of minipill brands include Micronor, Femulen and Microval.

The minipill prevents pregnancy in two ways: It makes the endometrium too thin to accept a fertilized egg and makes the vaginal mucus too thick to allow sperm to reach the egg. It's slightly less effective than the combination pill, and women taking it are more likely to experience spotting. Taking the minipill means taking 28 active pills every month, and it's even more important to take it on time to avoid the risk of pregnancy.

As far as the combination pill goes, there are three main subtypes:

Monophasic pills have the same amount of hormones in all 21 pills. They're the most commonly prescribed combination pill because they're very simple to take -- they're all the same color, and if a woman misses one, she can easily double up the next day. Some brand names include OrthoCyclen, Alesse and Loestrin.

Biphasic pills alternate between two different levels of hormones and are lower in hormones overall. Examples include Mircette and Ortho Novum 10/11.

Triphasic pills alternate between three different hormone levels. Tri-Levelen, Ortho TriCyclen and Triphasal are some examples.

All types contain 21 active pills. (Some brands also include seven days of inert pills to be taken during the week of menstruation.) They all contain the same type of synthetic estrogen, called ethinyl estradiol, but vary in the type of progestin they use. The main difference is that some women who experience unpleasant side effects on monophasic pills might do better on biphasic or triphasic pills.

Rather than wait seven days between active pills, some women simply start over with the 21 day pill cycle when on a monophasic pill to avoid having a period.

Next we'll look at the newest type of the pill.

Birth Control Pill Side Effects

2009-11-20T05:59:00.000-08:00

In addition to preventing pregnancy, the pill can have all sorts of side effects -- some negative, some positive. The most common side effect of the pill is breakthrough bleeding or spotting, which is when a woman bleeds in the weeks she's taking active pills. This is due to the changes in hormone levels. Most women's bodies adjust after a few months of being on the pill.

Other common side effects include:

nausea
headaches
breast soreness
acne
decreased libido
depression
moodiness
weight gain

Many of these symptoms are due to the estrogen in the pill. Sometimes they go away after a few cycles, but if they don't, a woman might need to switch to a different formulation.

The pill also carries some more serious, although rare, risks. Taking the pill increases a woman's risk of high blood pressure, blood clots, strokes, heart attacks, liver tumors and gallstones. Some of these conditions can be fatal, but the risk of experiencing any of them is very low.

A woman is more at risk if she's overweight, older than 35 years old, smokes, has diabetes or already has high blood pressure or high cholesterol. Some studies have linked taking the pill to an increased risk of breast and cervical cancer, while others show no increased risk. The most recent theory is that the increased risk is temporary and only occurs within the first five years of taking the pill, when the risk of contracting these types of cancer is already very low. Women who stop taking the pill eventually go back to having the same risk factors for these cancers as before.

But the pill can also reduce cancer risk: A January 2008 study in the medical journal The Lancet showed that the longer a woman took the pill, the lower her risk of ovarian cancer.

For many healthy women without risk factors, the benefits of taking the pill tend to outweigh the risks. Women on the pill often report shorter, lighter menstruation, fewer and less painful cramps and better skin. The pill can fix irregular periods, reduce iron deficiencies (as less blood is shed during menstruation) and reduce the risk of benign cysts in the breasts or ovaries.

Women with polycystic ovarian syndrome (PCOS) and premenstrual dysphoric disorder (PMDD), an extreme form of PMS, can also find relief from some of their symptoms by taking the pill

We've been talking about "the pill," but the truth is, there are many pills. Next, we'll look at the differences between them.

Hormones and the Pill

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The Pill and Drug Interactions

Unfortunately, the pill doesn't always work well with some common drugs and supplements. These include St. John's wort, certain types of steroids, anti-seizure medications, some anti-anxiety drugs like Valium, and antibiotics. Most of these drugs interact with the estrogen in combination pills and can make the pill less effective. Most doctors recommend using a backup method of birth control while taking antibiotics, as well as for a week afterward.

The hormones in the pill, progestin (which mimics progesterone) and estrogen, decrease the release of GnRH, and therefore the release of FSH and LH. This restricts the follicles from growing, and by extension, an egg from growing and releasing from the ovary. Essentially, these synthetic hormones trick the ovary into thinking that it's already released an egg. The endometrium still builds in the uterus and is released, but this is known as a "withdrawal" period. It's the body's reaction to the withdrawal of the normal hormonal cycle. This is why a period while on the pill is usually lighter and shorter; the corpus luteum can't grow unless the ovary has released an egg. The progestin may also make it harder for sperm to enter the fallopian tube by making the vaginal mucus thicker.

You'll notice that the pill doesn't completely stop the release of GnRH or other hormones. This is an important distinction. While it's not common, some women who take the pill still ovulate and become pregnant. Most often, it's because they didn't take the pill at the same time each day or missed one or more pills. In general, the pill must be taken consistently and regularly to maintain the correct balance of hormones. For a small number of women, their own hormones are no match for the synthetic ones used in the pill and they still become pregnant. Among women who take it correctly, the pill failure rate is 0.3 percent [source: Contraceptive Technology].

All women are different, which is why the pill works to varying degrees of effectiveness. Some also experience side effects. We'll look at these next.

Getting Hormonal: Overview of the Menstrual Cycle

2009-11-20T05:56:00.000-08:00

Is the Pill an Abortifacient?
Anti-abortion groups have claimed that the pill is an abortifacient, or abortion-causing agent. Some believe that one of the secondary effects of taking the pill is that it can make the endometrium hostile to a fertilized egg that would otherwise implant itself.

It's true that the pill may result in a thinner uterine lining. However, most researchers agree that if woman still ovulates while on the pill, that means that she also has high enough levels of the hormones to create a normal endometrium. This remains a highly controversial topic.

The pill keeps women from getting pregnant because the menstrual cycle is controlled by hormonal changes in the body. Let's take a look at the menstrual cycle.

Although its actual length can vary from woman to woman, the menstrual cycle is generally 28 days long and follows a few basic phases that are all triggered by the release of different hormones.

First, the pituitary gland sends out follicle-stimulating hormone (FSH). Just like the name implies, FSH stimulates follicles in the ovaries to grow. The follicles release the hormone estrogen, which sets off a chain reaction. Estrogen triggers the pituitary gland to secrete gonadotropin-releasing hormone (GnRH), which in turn triggers a rise in the secretion of luteinizing hormone (LH). Generally, one of the ovarian follicles dominates the others in size and growth. Estrogen and LH continue to rise, which prompts the uterus to build up its endometrium, the thickened uterine lining, and causes changes in the vaginal mucus that make it a better environment for the sperm.

A rise in LH causes the dominant follicle to mature into an ovum, or egg, while the immature follicles dissolve. The egg releases from the ovary (a process called ovulation) and enters a fallopian tube. If it goes unfertilized, the egg eventually dissolves. If sperm are present, the egg may be fertilized in the fallopian tube. Then it travels down into the uterus and implants in the endometrium. After the egg is released, a structure in the ovary known as the corpus luteum produces hormones such as progesterone and estrogen. These hormones help make the endometrium suited for the egg's implantation and cause changes in the uterus to support the egg's growth.

Next, we'll look at what the hormones in the pill do.

How the Birth Control Pill Works

2009-11-20T05:49:00.000-08:00

If, 100 years ago, you told a woman that one day women would be able simply to swallow a tiny pill to avoid getting pregnant, she wouldn't have believed you. In 1909, condoms had already been in existence for hundreds of years, but depending on where you lived, they weren't always legal. Even if they were legal, they might not be culturally acceptable, affordable or reliable. Other than avoiding sex completely, the only other option a woman had might be the use of herbs or other folk methods. And those weren't always reliable, either.

The oral contraceptive pill, known simply as "the pill," is a marvel of modern chemistry. It's the most popular form of birth control in the United States. More than 11 million women reported using it in 2002 [source: CDC]. Today, it's legal, culturally acceptable, affordable and reliable. But it didn't come by all of those attributes so easily. The pill was first approved by the Food and Drug Administration (FDA) as a contraceptive in 1961, but until a 1965 Supreme Court ruling, only married woman in some states could obtain it. Until another Supreme Court ruling in 1972, unmarried women in some states still couldn't legally get it.

The pill is pretty straightforward on the surface. A woman takes one pill at the same time each day for 21 days. Then she either takes an inert pill (a placebo meant to keep her in the routine of taking a pill each day) or takes nothing for seven days while she has her period. Because the hormones in the pill keep her from ovulating, she shouldn't get pregnant.

Learn More

Planned Parenthood

Male Birth Control Pill

DiscoveryHealth.com: Birth Control

The truth is, though, that some women who are on the pill do become pregnant. Some women experience side effects so unpleasant that they have to switch between different types of the pill or stop taking it altogether. And although it has been legal and available to all women since 1972, they might still have trouble obtaining it. Despite its popularity, the pill hasn't been without controversy throughout its history.

Let's start with looking at exactly how the pill works in a woman's body to prevent ovulation.

Getting Rid of Debt

2009-11-20T05:47:00.000-08:00

If your credit-card balance has crept up to uncomfortable levels, you're not alone. Millions of Americans have learned -- the hard way -- how easy it is to use and abuse their credit cards and how difficult it can be to pay them off.

Myvesta (formerly Debt Counselors of America) and the National Consumer Law Center offer these credit-card debt elimination tips:

Always be aware of all of the fees that may be associated with your credit card. (That means not tossing out the fine-print leaflets that come in your bill periodically!) Know the annual fees, current interest rates, finance charges, cash-advance fees and any other fees tied in with your card. This knowledge can help you make better decisions on how to manage your card.

Cash advances can be trouble! You should only get cash advances when it is absolutely necessary. Higher interest rates (than you're paying for card purchases) are usually charged, and most banks also charge a service fee related to how much cash you're withdrawing. (The same applies to those handy, personalized "checks" the credit-card company sends you!)

Always be on the look-out for cards that offer lower interest rates. Transferring balances from one card to another to take advantage of low introductory rates is a common practice among U.S. cardholders. Low introductory rates can be very helpful in your quest to become free of credit-card debt. You should look for credit cards that offer a low intro rate (usually for six months), and transfer the balance from your previous credit card to that credit card. Before you take this step, however, make sure that, after the intro rate has expired, the new card offers the same (or lower) interest rate as your current card.

Experts say that making minimum payments is one of the most common mistakes consumers make. You will save lots of money on interest and get to debt-free goals sooner if you pay more than what is required each month.
It's true that it's really easy to fall into the credit-card trap, and not so easy to get out. But don't give up -- there are non-profit centers across the country that will provide counseling to you and will even (at no or low charge) contact your credit-card company and try to get your rate lowered or a different payment plan worked out. Check out this brief book list:

The Credit Repair Kit, by John Ventura
All About Credit: Questions (And Answers) About the Most Common Credit Problems, by Deborah McNaughton
What Every Credit Card User Needs to Know, by Howard Strong
The Insider's Guide to Credit Cards, by Barry Klein
Credit Card and Debt Management: A Step-by-Step How-to Guide for Organizing Debt and Saving Money on Interest Payments, by Scott Bilker
Using Your Card Abroad
Credit-card acceptance varies around the world. For example, in some countries (including France), Visa and MasterCard networks have been merged so that all merchants who take one, take them both. On the other hand, the cash-advance networks have not been merged. So, if you are in France, for example, almost any bank or ATM (if you have a four-digit PIN) can give you a cash advance on Visa, but only a few banks and cash machines (and all post offices) can give you a MasterCard cash advance.

In other countries (such as Italy), Visa and MasterCard networks have not merged. So, if you're going there, you might need both.

American Express and other T&E cards were originally aimed at an upscale market, catering to this group by offering check cashing, mail-holding and cash-advance services to traveling cardholders. (Now, Visa, MasterCard and others offer some of the same services.) AmEx and Diners Club are widely accepted in the United States, although not as widely as Visa and MasterCard.

In Europe, there are increasingly fewer places that accept only Diners Club or only American Express. In France, you can use American Express at more places than in the United States; in Italy, Germany, England and Greece, you can use it less, in general, except in shops with special appeal to tourists. Be sure to check out the credit-card situation before you travel.

Credit Card Billing Errors

2009-11-20T05:46:00.000-08:00

One way to avoid billing errors and unjustified fees is to carefully go through your monthly credit-card statement, making sure all the transactions are legitimate and that other charges -- finance charges, late or over-the-limit charges -- are justified.

The Fair Credit Billing Act applies to credit card and charge accounts and to overdraft checking (but not to checks or debit cards). You can use this act to defend against billing errors, unauthorized use of your account, goods or services charged to your account but not received or not provided as promised, and charges for which you request an explanation or written proof of purchase. Here are some important steps to take when you encounter one of these problems:

Write to your card issuer or creditor within 60 days after the first bill containing the disputed charge is mailed to you. (Even if more than 60 days has passed since you were billed for the item, you still might be able to dispute the charge if you only recently learned about the problem.)
In the letter, give your name, account number, the date and amount of the disputed charge and a complete explanation of why you are disputing the charge.
Send your letter to the address provided on the bill -- do not send the letter with your payment. (To be sure that your letter is received and that you will have a record of its delivery, you might want to send it by certified mail, with a return receipt requested.)
If you follow these steps, the creditor or card issuer must acknowledge your letter in writing within 30 days after receipt and must conduct an investigation within 90 days. While the bill is being investigated, you don't have to pay the amount in dispute. (The creditor or card issuer is not allowed to take action to collect the disputed amount, report the amount as delinquent or close or restrict your account during this time.)
If it is determined that there was an error or that you don't owe the amount you're being held responsible for, the card issuer must credit your account and remove any finance charges or late fees relating to the amount not owed. For any amount still owed, you have the right to an explanation and to copies of documents that prove you owe the money. If the bill is correct, you must be told in writing what you owe and why. You will owe the amount disputed plus any finance charges.
There are a number of non-profit and non-commercial organizations that provide credit information and assistance to consumers. Check out the National Consumer Law Center and U.S. Citizens for Fair Credit Card Terms.

So, now that you know all this, let's find out what it takes to qualify for a credit card in the first place.

Major Credit-reporting Bureaus
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
(800) 685-1111
Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-0949
(800) 682-7654
TransUnion
760 W. S proul Road
Springfield, PA 19064-0390
(800) 888-4213

There's no way to know if you'll qualify for a credit card without doing some research. Some of the basic things that lenders look for include:

Good payment record - If you pay your bills on time, you'll score major points with lenders. If you have a lot of late payments, this can hurt your chances of getting a card, and, if the lender decides to issue you a card, it's probably going to have a higher interest rate.

Control of debt load - Lenders generally want to see that you are a good credit risk and that you aren't living beyond your means. Experts say that non-mortgage credit payments each month should not exceed more than 10 percent to 15 percent of your take-home pay.

Signs of stability, responsibility - Lenders perceive things such as longevity in your home and job (at least two years) as signs of stability. Having a respected profession doesn't hurt either.

Lack of credit inquiries - This one is a little strange. Whenever you apply for a credit card, the lender pulls your credit report from one or more of the major bureaus as part of the approval process. Each time a report is pulled, it's marked as an inquiry and stays on your credit bureau report for two years. Lenders perceive several inquiries on your report as indications that you're scrambling for loans and may consider you a poor credit risk. So, in order to beat this system, don't allow every credit-card issuer you speak with to pull your report.

Lack of available or unused credit - Did you know that having credit cards that you don't use -- and have a zero balance on -- can hurt your credit? The rationale here, experts say, is that if you have all this available credit lying around, you could run it up at any time (even if you never have). Get rid of the cards you don't use. Be sure to ask the credit-reporting bureaus to remove the discarded cards from your report, noting that you -- not the creditor -- closed the account.
Once you qualify for a card, or several cards, there's always the chance that you'll end up spending more than you've got. A pretty good chance, actually. The next section discusses what you can do if you find yourself in credit-card debt.

Monthly Payments and Finance Charges

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Some credit cards, such as American Express, require you to pay off all of your charges each month. As a benefit, they usually have no finance charge, and sometimes no maximum limit. Most cards, including Visa, MasterCard, Discover and Optima, offer what is known as revolving credit. This means they let you carry a balance, on which they charge interest (finance charges), and they require you to make a minimum payment. The minimum payment is usually about 5 percent of your current balance or $10 -- whichever is more.

Here are three of the ways used by financial institutions to calculate finance charges:

Adjusted balance - This system, which consumer experts say favors the cardholder, takes the balance from your previous statement, adds new charges, subtracts the payment you made and then multiplies this number by the monthly interest rate.

Average daily balance - This method, which is a pretty even-handed one and the most commonly used, works like this: The company tracks your balance day-by-day, adding charges and subtracting payments as they occur. At the end of the period, they compute the average of these daily totals and then multiply this number by the monthly interest rate to find your finance charge.

Previous balance - This method generally favors the card issuer, according to consumer experts. The issuer multiplies your previous statement's balance by the monthly interest rate to find the new finance charge. This means you're still being charged interest on your balance a whole period after you've paid it down!
What you pay will vary depending on your balance, the interest rate and the way your finance charge is calculated. Here's an example that shows how much difference the interest rate can make in what you actually end up paying:

High-rate card - Suppose you charge $1,000 on a 23.99-percent credit card. After that, you make no further charges and pay only the minimum each month. The payment will start at $51 and slowly work its way down to $10. You'll make 77 payments over the next six years and five months. By then, you will have paid $573.59 in interest for your credit privilege.

Low-rate card - If you charge that same $1,000 on a 9.9-percent fixed-rate card, the minimum monthly payment will start at $50.41 and go down to $10. You'll make 17 fewer payments, finishing in six years and paying $176 in interest. This saves you almost $400!
Late fees and over-the-limit fees are a couple of newer charges that are used by pretty much all credit-card issuers now. And increasingly, issuers are drastically raising interest rates (to as high as 23.99 percent) after a set number of late payments (read the fine print and make sure you know whether the payment is considered posted on its postmarked date or on the date the bank or credit-card company gets it posted!). Unfortunately, once you have a couple of late payments, the credit-card company can charge you the inflated interest rate for the remaining life of the account. Try to avoid this -- all credit-card companies report your payment record to credit-reporting agencies and even a few late payments could cause you problems when you try to buy a car or a house.

And as most of us know, even credit-card companies make mistakes. The next section discusses how to make sure you're paying only what you owe.

Credit Card Plans

2009-11-20T05:41:00.000-08:00

Now we come to the core of the credit-card selection process -- which plan to choose. The costs and terms of your credit-card plan can make a difference in how much you pay for the privilege of borrowing (which is what you're doing when you use a credit card).

In the disclosure form from the credit-card issuer (usually a small, fine-print brochure), look closely at the credit terms we discussed earlier. Don't forget about specifics like late charges (usually $15 to $30) and over-the-limit fees (around $20 to $25). Consider these factors along with how you pay your bills each month.

For example, if you always pay your monthly bill in full, the best type of card is one that has no annual fee and offers a grace period for paying your bill before finance charges kick in. If you don't always pay off your balance each month (and seven out of 10 American cardholders fall into this category), be sure to look at the periodic rate that will be used to calculate the finance charge.

One of the major factors to consider in a credit-card plan is whether it has a variable or fixed interest rate.

Whether the credit-card plan uses a variable or fixed rate in charging interest can have a significant effect on what you pay to use your card.

Credit-card companies that issue variable-rate plans use indexes such as the prime rate, the one-, three- or six-month Treasury Bill rate, or the federal funds or Federal Reserve discount rate. (Most of this can be found in the money or business sections of major newspapers. See the list of links at the end of this article for more information.)

Once the interest rate corresponding to the index has been identified, the credit-card issuer then adds a number of percentage points -- called the margin -- to this index rate to come up with the rate the consumer will be charged. In some cases, the issuer might choose to use another formula to determine the rate to be charged. These issuers multiply the index or index plus the margin by another number, the "multiple," to calculate the rate.

Take a good look at fixed-rate plans. They may be a couple of percentage points higher than a variable rate, but you will have the advantage of knowing what your interest rate will be. Variable rates are just that -- they change -- and can increase (usually the case) or decrease your finance charges.

If your rate is fixed, the Truth in Lending Act requires the lender to provide at least 15 days notice before raising the rate. In some states, there are laws that require more notice.

Some financial analysts argue that because a fixed rate can be increased with only a 15-day notice, this plan is not that different from a variable-rate plan, which is subject to change at any time. They advise looking closely at both plans. If you do choose a variable-rate card, check to see if there are caps on how high or how low your interest rate can go. If the lowest variable rate possible on your card, for example, is 15.9 percent, and rates are trending downward, you may want to switch your card to another lender.

Few experts will argue with the fact that a low interest rate is a good thing. To illustrate the importance of a low interest rate, let's look at a simple example of how much your annual savings might be if you switch to a credit-card plan with a lower interest rate and no annual fee. In our example, the average monthly balance carried forward equals $2,500, which is about the national average for consumers with credit-card debt. Total annual savings in this example -- $120.

Regardless of which plan you choose, you're going to be making payments. Let's take a look at how this is done.

Credit Ratings and Card Types

2009-11-20T05:39:00.000-08:00

If you've had credit problems, you might have to settle for a card with a slightly higher rate. If you have poor credit or no credit, some banks will issue you a secured credit card. This means that you deposit money into a savings account that acts as collateral against your credit line.

The rate may be high, but a secured card offers you the convenience of a credit card while you work on rebuilding your credit. Secured cards are often the best option available to those with a bankruptcy in their past. Be sure to choose a secured card that pays you interest on your deposit!

On the other hand, if you have a very good credit score and would like a higher limit ($5,000 or more), check into applying for a gold card at the same interest rates but with a slightly higher annual fee. Most gold cards require that your annual income be at least $35,000, and platinum cards -- even higher!

With all of this money getting spread around, and lots more of it out there, it's no wonder why most of us are constantly receiving notice that we're "pre-approved" for an endless stream of credit cards. There's got to be a catch...

A word of caution about those "pre-approved" card offers you get in the mail: You may get an offer for a new credit-card account with a pre-approved credit limit just slightly higher than your balance on your current card. The fine print could reveal an extremely high interest rate and also state that, by accepting the offer, you agree to transfer the entire balance of your other credit-card account to the new, high-interest account. This is a trick, since you would never consciously choose to pay more interest each month. Read everything carefully so that you don't fall into this trap.

And before you toss this offer into the garbage, shred it so that no one can fish it out and try to impersonate you.

No matter what kind of card and plan you choose, you should have access to the following information under the federal Truth in Lending Act so that you can compare one loan to another:

Finance charges in dollars and as an annual percentage rate (APR)
Credit issuer or company providing the credit line
Size of the credit line
Length of the grace period, if any, before payment must be made
Minimum payment required
Annual fees, if applicable
Fees for credit insurance (if any), which pays off your loan if you die before the debt is fully repaid

Card Types
There are basically three types of credit cards:

Bank cards, issued by banks (for example, Visa, MasterCard and Discover Card)
Travel and entertainment (T&E) cards, such as American Express and Diners Club
House cards that are good only in one chain of stores (Sears is the biggest one of these, followed by the oil companies, phone companies and local department stores.) T&E cards and national house cards have the same terms and conditions wherever you apply.
You may also be familiar with what is known as an affinity card. This card -- typically a MasterCard or Visa -- carries the logo of an organization in addition to the lender's emblem. Usually, these cardholders derive some benefit from using the card -- maybe frequent-flyer miles or points toward merchandise. The organization solicits its members to get cards, with the idea of keeping the group's name in front of the cardholder. In addition to establishing brand loyalty, the organization receives some financial incentive (a fraction of the annual fee or the finance charge, or some small amount per transaction, or a combination of these) from the credit-card company.

No one card is right for everyone. Basically, the right card for you is one that's accepted where you shop and charges you the smallest amount of money for the services you use. Almost any U.S. business or establishment that takes MasterCard also takes Visa, and vice versa. So if you only spend money in the United States, you probably don't need both.

Credit Card Applications

2009-11-20T05:38:00.000-08:00

Before we get into shopping for a card, let's go over some important terms you'll encounter in credit-card brochures or discussions with potential lenders:

Annual fee - A flat, yearly charge similar to a membership fee

Many companies offer "no annual fee" cards today, and lenders who do charge annual fees are often willing to waive them to keep your business.

Finance charge - The dollar amount you pay to use credit

Besides interest costs, this may include other charges such as cash-advance fees, which are charged against your card when you borrow cash from the lender. (You generally pay higher interest on cash advances than on purchases -- check your latest bill to find out what you're paying for this service!)

Grace period - A time period, usually about 25 days, during which you can pay your credit-card bill without paying a finance charge

Under almost all credit-card plans, the grace period only applies if you pay your balance in full each month. It does not apply if you carry a balance forward. Also, the grace period does not apply to cash advances.

Annual percentage rate (APR) - The yearly percentage rate of the finance charge

Interest rates on credit-card plans change over time. Some of these adjustments are tied to changes in other interest rates, such as the prime rate or the Treasury Bill rate, and are called variable-rate plans. Others are not explicitly tied to changes in other interest rates and are called fixed-rate plans.

Fixed rate - A fixed annual percentage rate of the finance charge

Variable rate - Prime rate (which varies) plus an added percentage (For example, your rate may be PR + 3.9 percent.)

Introductory rate - A temporary, lower APR that usually lasts for about six months before converting to the normal fixed or variable rate (This is a hot topic -- more about it later.)

Experts say that if you're smart, you'll do the same kind of comparison shopping for a credit card that you do when you're looking for a mortgage or a car loan. This is a good idea because the choices you make can save you money. The process is not a simple one -- here are some tips that should help you get started:

Do some research - There are plenty of places, both online and offline, where you can read about credit-card offerings and even get credit-card ratings, but since rates and plans change so often, it's a good idea to call the institutions you're interested in to confirm the information and to see if there are other plans that might work for you.
A reliable and non-commercial resource is the Federal Reserve Board. Also, the non-profit consumer credit organization U.S. Citizens for Fair Credit Card Terms offers credit-card ratings from its research (and so do a lot of commercial organizations -- many of whom are also credit-card issuers).

Make a list - Make a list of credit-card features that fit your financial needs and rank the features according to how you plan to use the card and pay your monthly bill.

Review the plans - Review all of the information you've gathered on different plans. Pay special attention to the APR - - you want a low rate, but not necessarily the lowest. This is because, depending on your lifestyle and payment habits, you might benefit more from a card that offers cash rebates, discounts or frequent-flier miles.

Check out credit unions - Look into the possibility of joining a credit union. Credit unions are non-profit, and they have lower overhead so they can charge lower interest rates. Credit unions are newer to the credit industry so they are eager to generate credit-card loans. However, you'll probably be required to open a share account or savings account to join.
Credit unions typically are limited to a particular employer and its employees, but that's changing. Due to industry consolidations, credit unions are rapidly expanding their fields of membership. To find out which credit union you may be eligible to join, contact the Credit Union National Association (CUNA).

Compare plans - If you already have a credit card, be sure that you're making a good move before you swap cards. If you are a current cardholder and have a good credit rating, see if the institution that issued your card will lower your current rate. Don't be afraid to negotiate!
These are steps to take when deciding on a credit card. But your actual breadth of options depends in great part on your credit history.

Credit Card Safety

2009-11-20T05:34:00.000-08:00

Although the numbers are increasing, consumers are still not using their credit cards on the Internet nearly as much as e-tailers (electronic retailers) would like. That's why many cyber-merchants continue to offer a toll-free order number so that shoppers have the choice of calling their order in. Cyber-shopping may be convenient -- and some people do all of their shopping online -- but credit-card fraud is always a threat, both on the Internet and out in the real world. Hackers have found ways to steal credit-card numbers from Web sites.

To illustrate the importance of tight security, a network TV reporter, tipped off about loose security on an Internet Web-hosting site, was able to gain access to about 1,500 customer records, which included everything from credit-card numbers and payment records to comments about particular customers.

These are the kinds of stories that deflate consumer confidence. Some e-tailers blame consumer reluctance on the inability in cyberspace to make the kind of personal contact that a shopper gets when he looks into the eyes of a store merchant. Experts say that this kind of comfort level will be boosted when online payment methods and security measures are standardized -- much as they are in the retail and mail-order industries.

While Internet companies have taken responsibility for security breaches and resulting losses to credit-card users, there remains the growing problem of identity thieves who use stolen credit cards to make purchases on the Internet. And while unfair or fraudulent practices by credit-card companies are not commonplace, they do happen. The good news is that consumers are protected by law -- in case of credit-card fraud online or off, you are only liable for a maximum of $50 of the amount stolen.

And fortunately, the Federal Trade Commission (FTC) and the media are watching closely. In 1994, the FTC ordered TransUnion credit-reporting bureau to stop selling "sensitive" consumer data -- data on 160 million Americans -- to junk-mail producers. The FTC charged that TransUnion violated the Fair Credit Reporting Act by selling consumer information to target marketers who lack any of the allowable purposes listed under the act. TransUnion denies that it sold information that could affect customers' appealed the FTC's ruling, but lost.

If the mailing-list issue bothers you -- and it bothers most of us -- pay attention when you're completing that credit-card application. Some application forms now provide a box that you can check to allow or disallow the selling of your information to mailing lists. You can also protect yourself by taking your name off the credit bureaus' mailing lists.

One way to do this is to visit The Consumer Credit Reporting Industry Opt-Out Prescreen Web site. On this site you can fill out a form and opt-out of recieving pre-approved credit or insurance offers in the mail. You can also call 888-5-OPT-OUT (888-567-8688). Alternatively, you can write to the major credit card bureaus and request that your named be removed from their mailing lists.

When you write to these companies, include your complete name, name variations and mailing address, Social Security number and signature and state clearly that you want your name removed from their mailing lists. You can write any of these major reporting bure aus and they will contact the other major bureaus with your request:

Experian Consumer Opt Out, 701 Experian Parkway, Allen, Texas, 75013
Equifax Inc. Options, P.O. Box 740123, Atlanta, Georgia, 30374-0123
Trans Union Marketing List Opt Out, P.O. Box 97328, Jackson, MS 39288-7328
The Direct Marketing Association (DMA) tracks consumers who prefer not to receive solicitations by mail or phone. Check their Consumer Assistance site for more information. There are a lot of simple steps you can take to protect yourself and your credit card -- starting with making sure you sign it as soon as it arrives in the mail.

These tips are important and universal:

Sign your card -- as soon as you receive it! (Obviously, this is only as effective as the clerk who's checking it.)

When you use your card at an ATM, enter your PIN in such a way that no one can easily memorize your keystrokes.

Don't leave your receipt behind at the ATM.
Your PIN and account number from a discarded receipt could make you vulnerable to credit-card fraud. Also, don't throw out your credit-card statement, receipts or carbons without first shredding them!

Never give your credit-card number over the telephone unless you initiated the call.
Even when you place the call to a legitimate merchant (such as a mail-order company), never give your card number out over a cordless phone. Radio scanners that eavesdrop on these conversations are available for a few hundred dollars at any electronics store, and your voice can be received by one from a far greater distance than the maximum useful range of your cordless phone. One common scam is when someone calls you "back" right after you place an order, claims to be from the merchant and tells you that there was a problem with your card number -- would you mind giving it to them again? The best thing to do is ask for a contact name and call the merchant back at the number you used originally.

Ignore any credit-card offer that requires you to spend money up-front or fails to disclose the identity of the card issuer.

Make certain you get your card back after you make a purchase (one habit to observe is to leave your wallet open in your hand until you have the card back). Also, make sure that you personally rip up any voided or cancelled sales slips.

Always keep a list of your credit cards, credit-card numbers and toll-free numbers in case your card is stolen or lost.

Check your monthly statement to make certain all charges are your own, and immediately notify the card issuer of any errors or unauthorized charges. (More on this later!)
Now, you get a credit-card application and there's all this small print. Want to know what it's really saying?

Smart Cards

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The "smart" credit card is an innovative application that involves all aspects of cryptography (secret codes), not just the authentication we described in the last section. A smart card has a microprocessor built into the card itself. Cryptography is essential to the functioning of these cards in several ways:

The user must corroborate his identity to the card each time a transaction is made, in much the same way that a PIN is used with an ATM.
The card and the card reader execute a sequence of encrypted sign/countersign-like exchanges to verify that each is dealing with a legitimate counterpart.
Once this has been established, the transaction itself is carried out in encrypted form to prevent anyone, including the cardholder or the merchant whose card reader is involved, from "eavesdropping" on the exchange and later impersonating either party to defraud the system.

This elaborate protocol is conducted in such a way that it is invisible to the user, except for the necessity of entering a PIN to begin the transaction.

Smart cards first saw general use in France in 1984. They are now hot commodities that are expected to replace the simple plastic cards most of us use now. Visa and MasterCard are leading the way in the United States with their smart card technologies.

The chips in these cards are capable of many kinds of transactions. For example, you could make purchases from your credit account, debit account or from a stored account value that's reloadable. The enhanced memory and processing capacity of the smart card is many times that of traditional magnetic-stripe cards and can accommodate several different applications on a single card. It can also hold identification information, keep track of your participation in an affinity (loyalty) program or provide access to your office. This means no more shuffling through cards in your wallet to find the right one -- the smart card will be the only one you need!

Experts say that internationally accepted smart cards will be increasingly available over the next several years. Many parts of the world already use them, but their reach is limited. The smart card will eventually be available to anyone who wants one, but for now, it's available mostly to those participating in special programs.

The Stripe on a Credit Card

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The stripe on the back of a credit card is a magnetic stripe, often called a magstripe. The magstripe is made up of tiny iron-based magnetic particles in a plastic-like film. Each particle is really a tiny bar magnet about 20-millionths of an inch long.

Illustration by Rosaleah Rautert
Your card has a magstripe on the back and a place for your all-important signature.

The magstripe can be "written" because the tiny bar magnets can be magnetized in either a north or south pole direction. The magstripe on the back of the card is very similar to a piece of cassette tape (see How Cassette Tapes Work for details).

A magstripe reader (you may have seen one hooked to someone's PC at a bazaar or fair) can understand the information on the three-track stripe. If the ATM isn't accepting your card, your problem is probably either:

A dirty or scratched magstripe
An erased magstripe (The most common causes for erased magstripes are exposure to magnets, like the small ones used to hold notes and pictures on the refrigerator, and exposure to a store's electronic article surveillance (EAS) tag demagnetizer.)
There are three tracks on the magstripe. Each track is about one-tenth of an inch wide. The ISO/IEC standard 7811, which is used by banks, specifies:

Track one is 210 bits per inch (bpi), and holds 79 6-bit plus parity bit read-only characters.
Track two is 75 bpi, and holds 40 4-bit plus parity bit characters.
Track three is 210 bpi, and holds 107 4-bit plus parity bit characters.
Your credit card typically uses only tracks one and two. Track three is a read/write track (which includes an encrypted PIN, country code, currency units and amount authorized), but its usage is not standardized among banks.

The information on track one is contained in two formats: A, which is reserved for proprietary use of the card issuer, and B, which includes the following:

Start sentinel - one character
Format code="B" - one character (alpha only)
Primary account number - up to 19 characters
Separator - one character
Country code - three characters
Name - two to 26 characters
Separator - one character
Expiration date or separator - four characters or one character
Discretionary data - enough characters to fill out maximum record length (79 characters total)
End sentinel - one character
Longitudinal redundancy check (LRC) - one character
LRC is a form of computed check character.

The format for track two, developed by the banking industry, is as follows:

Start sentinel - one character
Primary account number - up to 19 characters
Separator - one character
Country code - three characters
Expiration date or separator - four characters or one character
Discretionary data - enough characters to fill out maximum record length (40 characters total)
LRC - one character

For mo re information on track format, see ISO Magnetic Stripe Card Standards.

There are three basic methods for determining whether your credit card will pay for what you're charging:

Merchants with few transactions each month do voice authentication using a touch-tone phone.
Electronic data capture (EDC) magstripe-card swipe terminals are becoming more common -- so is swiping your own card at the checkout.
Virtual terminals on the Internet

This is how it works: After you or the cashier swipes your credit card through a reader, the EDC software at the point-of-sale (POS) terminal dials a stored telephone number (using a modem) to call an acquirer. An acquirer is an organization that collects credit-authentication requests from merchants and provides the merchants with a payment guarantee.

When the acquirer company gets the credit-card authentication request, it checks the transaction for validity and the record on the magstripe for:

Merchant ID
Valid card number
Expiration date
Credit-card limit
Card usage

Single dial-up transactions are processed at 1,200 to 2,400 bits per second (bps), while direct Internet attachment uses much higher speeds via this protocol. In this system, the cardholder enters a personal identification number (PIN) using a keypad.

The PIN is not on the card -- it is encrypted (hidden in code) in a database. (For example, before you get cash from an ATM, the ATM encrypts the PIN and sends it to the database to see if there is a match.) The PIN can be either in the bank's computers in an encrypted form (as a cipher) or encrypted on the card itself. The transformation used in this type of cryptography is called one-way. This means that it's easy to compute a cipher given the bank's key and the customer's PIN, but not computationally feasible to obtain the plain-text PIN from the cipher, even if the key is known. This feature was designed to protect the cardholder from being impersonated by someone who has access to the bank's computer files.

Likewise, the communications between the ATM and the bank's central computer are encrypted to prevent would-be thieves from tapping into the phone lines, recording the signals sent to the ATM to authorize the dispensing of cash and then feeding the same signals to the ATM to trick it into unauthorized dispensing of cash.

If this isn't enough protection to ease your mind, there are now cards that utilize even more security measures than your conventional credit card: Smart Cards.

What Credit Card Numbers Mean

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Although phone companies, gas companies and department stores have their own numbering systems, ANSI Standard X4.13-1983 is the system used by most national credit-card systems.

Illustration by Rosaleah Rautert
The front of your credit card has a lot of numbers -- here's an example of what they might mean.

Here are what some of the numbers stand for:

The first digit in your credit-card number signifies the system:
3 - travel/entertainment cards (such as American Express and Diners Club)
4 - Visa
5 - MasterCard
6 - Discover Card

The structure of the card number varies by system. For example, American Express card numbers start with 37; Carte Blanche and Diners Club with 38.

American Express - Digits three and four are type and currency, digits five through 11 are the account number, digits 12 through 14 are the card number within the account and digit 15 is a check digit.
Visa - Digits two through six are the bank number, digits seven through 12 or seven through 15 are the account number and digit 13 or 16 is a check digit.
MasterCard - Digits two and three, two through four, two through five or two through six are the bank number (depending on whether digit two is a 1, 2, 3 or other). The digits after the bank number up through digit 15 are the account number, and digit 16 is a check digit.

How Credit Cards Work

2009-11-20T05:05:00.000-08:00

Have you ever stood behind someone in line at the store and watched him shuffle through a stack of what must be at least 10 credit cards? Consumers with this many cards are still in the minority, but experts say that the majority of U.S. citizens have at least one credit card -- and usually two or three. It's true that credit cards have become important sources of identification -- if you want to rent a car, for example, you really need a major credit card. And used wisely, a credit card can provide convenience and allow you to make purchases with nearly a month to pay for them before finance charges kick in.

That sounds good, in theory. But in reality, many consumers are unable to take advantage of these benefits because they carry a balance on their credit card from month to month, paying finance charges that can go up to a whopping 23 percent. Many find it hard to resist using the old "plastic" for impulse purchases or buying things they really can't afford. The numbers are striking: In 1999, American consumers charged about $1.2 trillion on their general-purpose credit cards.

In this article we'll look at the credit card -- how it works both financially and technically -- and we'll offer tips on how to shop for a credit card. (Experts say this should be a project on the scale of shopping for a car loan or mortgage!) We'll also describe the different credit-card plans available, talk about your credit history and how that might affect your card options, and discuss how to avoid credit-card fraud -- both online and in the real world.

Let's start at the beginning. A credit card is a thin plastic card, usually 3-1/8 inches by 2-1/8 inches in size, that contains identification information such as a signature or picture, and authorizes the person named on it to charge purchases or services to his account -- charges for which he will be billed periodically. Today, the information on the card is read by automated teller machines (ATMs), store readers, and bank and Internet computers.

According to Encyclopedia Britannica, the use of credit cards originated in the United States during the 1920s, when individual companies, such as hotel chains and oil companies, began issuing them to customers for purchases made at those businesses. This use increased significantly after World War II.

The first universal credit card -- one that could be used at a variety of stores and businesses -- was introduced by Diners Club, Inc., in 1950. With this system, the credit-card company charged cardholders an annual fee and billed them on a monthly or yearly basis. Another major universal card -- "Don't leave home without it!" -- was established in 1958 by the American Express company.

Later came the bank credit-card system. Under this plan, the bank credits the account of the merchant as sales slips are received (this means merchants are paid quickly -- something they love!) and assembles charges to be billed to the cardholder at the end of the billing period. The cardholder, in turn, pays the bank either the entire balance or in monthly installments with interest (sometimes called carrying charges).

The first national bank plan was BankAmericard, which was started on a statewide basis in 1959 by the Bank of America in California. This system was licensed in other states starting in 1966, and was renamed Visa in 1976.

Other major bank cards followed, including MasterCard, formerly Master Charge. In order to offer expanded services, such as meals and lodging, many smaller banks that earlier offered credit cards on a local or regional basis formed relationships with large national or international banks.