As senior pranks go, this one is definitely unique. A few high school students in Maryland forced open a door at their high school and released a swarm of ladybugs throughout the school. Where does one get 72k ladybugs? Online of course, where you buy anything and everything.

What sounded like a good idea to these children at first has now landed four of the juveniles charged with burglary, property destruction and disruption of school activities. there are also three other children that will be charged as adults since they are 18.

While everyone loves a good senior prank, schools never love them. Each year around this time we see more and more kids charged with criminal complaints over attempting to pull off that memorable moment.

If you drive anywhere, you repeatedly see individuals on their cell phone. Maybe they are driving while looking at the phone. Maybe they are at a red light and can't wait a second and just watch the intersection. No matter where you are, it is a problem. In comes what is supposed to be a solution, but is it really? 

Tel Aviv startup Project RAY aims to decrease the risk of accidents and number of distracted drivers through its eyes free RayGo device. The device enables you to talk on your phone, check your texts, emails and apps ALL WHILE DRIVING and ALL without taking your eyes off the road. Is that even possible? When you watch the video from the link below, you will probably just see a new way to be distracted. Sure, now your eyes are on the "road" or at least looking at the windshield, but instead of having your eyes actually focus on the cars, they are focusing on the apps and emails illuminated on your windshield. You basically now rely on your peripheral vision to pay attention. Not sure that really solved the problem. It may have made it worse.

Should someone who is here illegally be able to obtain a driver's license? You hear the following scenario all too often:

Guy is driving and gets pulled over. He does not have a license because he is here in this country illegally. He is then detained and spends months in a detention center. 

What is a person to do. Sure, they are here illegally and each individual has their own opinion as to that issue, which we will save for another day. This person works here and supports his family and the community. How can the person obtain a valid ID?

Gov. Christie has stated that if such a bill passes his desk, he will veto it. However, several municipalities have already passes resolutions supporting the idea. Elizabeth was the first city in New Jersey to do so.

A great day for the Pizza industry! A woman in Florida was threatened by her boyfriend, who was wielding a knife. There was no way to escape. No where to get help. The boyfriend took her phone and trapped her and her three kids in a house. What is a person to do in this situation? Well, the woman convinced the boyfriend to let her order a pizza. The woman opened up the Pizza Hut app and in the comment section wrote "911 hostage help!". The Pizza Hut employee taking the order through the app quickly called 911 and the police were able to safely rescue the woman and children. 

Great use of technology!

No body likes debt collector calls, but how do you know if it is a legitimate company calling or a scammer calling to obtain your information or convince you to pay money to them for nothing? The calls all start out the same; asks for you by name, know something personal about you, they represent so and so company who is collecting a debt due by you. Then, sometimes the person gets nasty. They yell. They threaten you. They may threaten to sue you or take your income tax return or even garnish your wages. You get scared. You panic. You pay what they are looking for. But wait! It turned out it really wasn't a debt collector. Where can you go to protect yourself?

This is where the Fair Debt Collection Act comes into play. First, ask the called for their name and company contact information. Write it down for your records. If the person on the phone refuses to give it to you, the call is likely a phony. By law, the collector needs to identify him/herself. Next, if the called says they need to confirm your information, don't give out or confirm your personal financial or sensitive information unless you have confirmed this caller is legit. Reports show the scammer like to take the personal information they obtained about you and use it to commit identity theft. Maybe they will open up a credit card in your name. Tell the caller you need written proof of who they are, which is called a validation notice, before you will talk any further. If the caller is real, they must send you a validation notice within five days of when they first contact you. This is the law. You then have 30 days to dispute the debt. 

A new bill proposed will allow drivers to open up an app on their cell phone to show an officer the auto insurance card. The bill will allow electronic insurance cards to be used, but not mandated. This means that you can still carry the paper card.

The bill was approved by the assembly in January 2015. When implemented, it will bring New Jersey in line with about 37 other states that allow drivers to display proof of insurance on their smart phone.

Now the down side. Typically, when the officer asks you for your insurance card, they take it back to their police car to do what they need to do. Does this mean that you will give them your phone to take to their car to do whatever they wish? Very risky if you ask me. While I embrace technology, I will keep a paper copy for the officer!