Ever wonder about some of the charges on your phone bill? Could you be a victim of "cramming"? Cramming happens when a company adds a charge to your phone bill for a service you didn't order, agree to or use. Cramming charges can be small and easy to overlook. But even when the false charges aren't small, they may sound like fees you owe. That makes them tough to pick out, especially if your phone bill varies from month to month.

Pay attention to your bill. Take the time to read your phone bill each month. If your phone bill changes from month to month, make it a habit to check the charges for services you haven't ordered. If your telephone bill is usually the same, take a closer look to see why it has changed.

Some cramming charges appear as "subscription." Others show up as "Min. Use Fee," "Activation" or "Member Fee." Are there calls you didn't make? Area codes you have never heard of? Charges for services you don't use?

If you suspect cramming, ask your phone company about the charges. Your phone company should be able to tell you more about the charge and your statement should tell you how to dispute errors on your bill. Follow-up with an e-mail or letter and keep copies of all documents.

Next week there will be information on how to avoid being the victim of cramming.

Scheduled activities

Thursday: TOPS meet at 8:30 a.m. The art class meets at 10 a.m. The Ambassador Singers practice at 1 p.m. An iris folding class begins at 2 p.m. Low Vision Support Group meets at 3 p.m.

Friday: Line dancing starts at 8:30 a.m., followed by STEPS at 10 a.m. Craft Shop check-in is from 10 a.m. to 1 p.m. A nurse is available from 10:30 to 11:30 a.m. Bridge begins at 12:45 p.m.

Saturday: The pool room is open in the afternoon. The building is rented in the evening.

Sunday: Duplicate bridge begins at 2 p.m.

Monday: Exercises are at 8:30 a.m. STEPS begin at 10 a.m. Humdinger Band practices at 12:30 p.m. Bridge and double pinochle begin at 12:45 p.m. The Transit Committee meets at 2 p.m. The Upbeats practice at 3 p.m. Duplicate bridge is at 7 p.m.

Tuesday: Pitch is played at 12:45 p.m.

Aug. 18: Line dancing starts at 8:30 a.m. STEPS begin at 10 a.m. Pinochle starts at 12:45 p.m. Completely Unraveled meets at 1 p.m. The dance at 7:30 p.m. will feature "Craig Stevens." The recommended donation is $4 per person. Bring finger food for the break.

Lunch menus

Lunch is served at noon.

Thursday: Roast pork with gravy, scalloped potatoes, copper penny salad, wheat roll, ambrosia.

Friday: Sausage gravy, mashed potatoes, chilled tomatoes, biscuit, pears.

Monday: Chicken and rice casserole, cauliflower and peas, creamy coleslaw, wheat roll, apricots.

Tuesday: Swiss steak with tomato sauce, baked potato, creamy fruit salad, muffin, lemon bar.

Aug. 18: Oven-fried chicken, mashed potatoes and gravy, broccoli-cauliflower salad, wheat roll, peaches.