Music Prof. Terence O'Grady is quoted extensively in a story noting the 25th anniversary of the cable channel and pop-culture phenomenon, MTV. Click http://www.greenbaypressgazette.com/apps/pbcs.dll/article?AID=/20060730/GPG04/607300369/1250/GPGlife.

Selections from a private consultant's report are archived at http://www.duluthsuperior.com/mld/duluthsuperior/news/politics/15147271.htm.

Cashier's-Check Fraud
There was a time when a cashier's check or money order was considered "guaranteed money." As Bob Dylan would say, "The times, they are a changin'."

Fraudulent Cashier's Checks
Criminals are using sophisticated techniques to counterfeit cashier's checks and money orders. You don't find out until later — after the item is returned as counterfeit. Protect your accounts by being aware of the warning signs.

Warning Signs
• A cashier's check amount is more than the purchase amount.
• "You won!" phony lottery check is sent to you.
• The item is purchased by someone other than the one you're dealing with.
• A check has misspelled words or is printed on flimsy paper.
• You received a request to "convert" a casher's check into a personal check — you can "keep the extra amount" for your efforts.

Protect Yourself
• Confirm the person's name, address, and phone number using directory assistance.
• Insist on a check from a local financial institution.
• Call the institution to verify that the check is valid. Use your phone book — don't call the number on the check.
• If suspicious, wait 2 weeks before using those funds.
• For Internet purchases, use a reputable online escrow service that will hold the payment until the promised goods arrive.