And in comparison...

A loyal reader asks: What do you think of Rachel Ray? Is she a force of good or evil?

We love the answer from the July-August 2007 Shopper Report
by Mona Doyle

Rachael Ray is empowering some shoppers to cook with more freedom and have more fun than they have had in some time. Watching her facilitates a certain amount of abandon in mixing flavors and using hunches and appetites to direct kitchen behavior.

What she is doing is changing cooking from tedious work to play! With apologies to the memory of Julia Child, there are similarities in their empowerment of women in the kitchen. Julia empowered women to understand how difficult recipes worked and gave them the freedom to try them, understand them, and depart from them and still turn out wonderful foods. Rachael Ray communicates the pleasure of cooking from your head and your stores, your fridge, and your pantry. Some retailers are playing into this, helping their shoppers be better cooks by providing "ingredients for your next inspiration"--I'm quoting myself there, but that is what I see happening, with sauces and mixes that are almost magical in their ability to help consumers create wonderful smells and tastes with a dollop of X and a few spoons of Y.

Wegmans does an especially good job of this with products like "Mirepoix" which it offers in several package and chunk sizes. Mirepoix is nothing more, or less, than diced onions, carrots, and celery--a combination which forms the basis of much French cooking. Add a package to a can of soup or sauce and create wonderful flavor and an aroma that equals fresh bread in the oven.

* "I think Rachael Ray is bringing fun back into cooking."

* "I don't think she is making people more casual about cooking, but getting more folks into cooking because she makes it casual."

* "I am a huge fan of hers, and simply put ......... she is easy to relate to, because she is NOT a chef, and has a spirit about cooking, and a reality about cooking that brings the 'ease' of creating a 30-minute meal (I am not that quick) to the table that is delicious and eye appealing. Her meals are made with a common household kitchen flare, and ingredients accessible at any and all local markets. No gourmet here."

* "I think her show is proving that you can have a decent meal on the table in 30 minutes or less. With so many women working these days, this show has a great impact on those of us that put in a full day working."

* "She IS fun and casual. My feeling is that she is not too uptight about it and should be helping people, especially a person newly on his or her own."

Full bibliography for this article: Mona Doyle "Rachael Ray's impact". Shopper Report, The. July-August 2007. FindArticles.com. 31 Oct. 2007.

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ID Fraud

A loyal reader asks: How big is identity fraud online, what are the trends, and should I be concerned?

There is a lot of info out there on this. But here's a great synopsis by the nice folks at ITFacts.

3.7% of Americans were victims of identity fraud in 2006

Approximately 500,000 fewer adults in the United States fell victim to identity fraud in 2006 than in 2005. Of America's overall adult population, 3.7% were victims, as compared to 4.0% in 2005. This demonstrates a continued year-over-year decrease since data was first collected in 2003 when 4.7% of the adult population was victimized. In terms of total dollars, identity fraud in 2007's report dropped by an estimated 12% over the previous year, from $55.7 bln to $49.3 bln. New account fraud dropped from 1.5% of all respondents in 2006 to one% in 2007. When fraudulent accounts are opened, many victims caught the fraud more quickly utilizing online channels, such as the viewing of statements, resulting in average fraud amounts dropping from more than $10,000 in 2006 to $7,260 on average in 2007.

The overall adult population of the United States reported a fraud rate of 3.7%. Younger adults between 18 and 24 reported a much greater incident rate of 5.3%. Additionally, more than half of these victims reported knowing their perpetrators, which could include friends, neighbors or in-home employees, as compared to just 23% of overall respondents, Javelin says

***So consumers are getting smarter, financial institutions and others are improving their services in this realm. Overall, things are getting better.

Should you be concerned? Of course! Be careful. Purchase from reputable companies. Protect your information. Install a firewall if you don't have one already. Change your passwords regularly. Don't use obvious passwords. Be smart. One great service we use is one-time credit card numbers. They've been around for a while - but many people don't know about them.