LAID OFF? Work from home. Be your own Bo$$! First, call the Federal Trade Commission toll free 1-877-FTC-HELP. Learn to spot work at home schemes. A message from The Louisville Herald & the FTC.

SAVE WITH THE NEST EGG! Support the merchants who advertise with us, your hometown newspaper! When you buy locally, you save $$$.

BAD CREDIT? No problem! We can erase it! - 100% guaranteed. But wait! Attorneys for the Federal Trade Commission say they have never seen a legitimate credit repair operation. No one can legally remove accurate and timely information from your credit report. It's a process that starts with you and involves time and a conscious effort to pay your debts. Learn about managing credit and debt at ftc.gov/credit. A message from The Louisville Herald and the FTC.

LENDING OPPORTUNITIES! Borrow Smart. Contact the Ohio Office of Consumer Affairs before you refinance your home or obtain a loan. Beware of requests for any large advance payment of fees or insurance. Call the Office of Consumer Affairs toll free, 1-866-278-0003, to learn if the mortgage broker or lender is properly licensed. This notice is a public service announcement of The Louisville Herald.