Summarize the following:
Warming up your neck muscles before stretching will help prevent muscle tightness and pain. Gently stretch your neck by rolling your head to each side. Start with your head leaning toward the right, then gently lower your head in front of you. Continue around until your head leans to the left. Repeat the exercise, gently rolling your head from side to side. Anytime you are stretching your neck, be very careful not to go too far. Use slow, gentle movements. Called a cervical flexion stretch, moving your head to the front and back can help realign your neck. Sit in a straight chair looking forward. Bend your chin down to your chest and hold for 15 seconds. Lift your head back to the starting position, then repeat ten times. After the tenth repetition, bend your head backwards, then repeat the exercise ten times from the backward position. Make sure that your movements are smooth and gentle. When moving your head backwards, go very slowly and stop as soon as you feel resistance. Never force your head backwards. Called a cervical lateral flexion stretch, turning your head side to side can help with alignment. Start with your head straight with your chin parallel to the floor. Turn your head to the right and hold for 15 seconds. Relax and return to your starting position. Repeat for ten repetitions. After you finish on the right side, repeat for your left side. Stop turning your head as soon as you feel resistance, even if you haven't turned all of the way to the side. Stand or sit with your back straight. Turn your head to the right, then turn your face toward the ceiling. Look forward and bend you head to the right. Using your right arm, gently press your head toward your right shoulder. Hold for 30 seconds. Repeat the stretch on your left side. Don't force your head down. The tilt of your head should be slight. Relax your shoulders and keep your arms at your side. Squeeze your shoulder blades together and hold for five seconds. Release, then repeat the stretch for ten repetitions. Do three sets of ten each day. Intensify the stretch by holding for ten seconds instead of five.

summary: Warm up your neck. Try a front neck stretch. Do a side neck stretch. Use your arm to stretch your neck. Squeeze your shoulder blades together.

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Occasionally, gift card companies may try to charge you a fee for failing to use your card within a year. Federal law prohibits these types of charges. You cannot be charged an inactivity fee until after you have not used the card for a year and the card cannot expire for at least five years. You should also check your state laws regarding gift card fees and expiration dates as some states have banned these practices. You can review state and federal law regarding gift cards at: http://www.ncsl.org/research/financial-services-and-commerce/gift-cards-and-certificates-statutes-and-legis.aspx People are increasingly making large purchases over the internet. There are a number of things you can do to protect against fraud and consumer rights violations. One of the most important things that you should do is use a credit card when making online purchases. Credit card companies are responsible for fraudulent purchases over $50, whereas a debit card does not offer the same protection. Before making an online purchase, you should read the website's security policy and how it handles disputed charges. Some websites, such as eBay, offer customers a money back guarantee is a seller is unable to resolve an issue with your transaction. Whenever an Amazon account holder goes to purchase an item, the website automatically shift the person's account to an encrypted server to protect his or her payment information. Amazon also allows you to dispute any unauthorized charges through Amazon directly with the company. If you make a purchase that you regret or felt pressured into, under federal law consumers have the right to cancel the purchase by midnight of the 3rd business day after the sale. Your purchase must be for $25 or more in order for the cooling off rule to apply. While federal and state laws place requirements on retailers regarding refunds, one of the best ways to protect your consumer rights is to ask a retailer to explain their return and refund policy before you make a purchase. It is more likely that a large retail operation will have posted their refund policies, however smaller retail operations or individuals may not. In addition to asking a retailer to explain their policy, you should review your state's laws regarding refunds. You can find a summary of state refund laws at: http://consumer.findlaw.com/consumer-transactions/customer-returns-and-refund-laws-by-state.html.

summary: Challenge fees charged by gift cards. Use a credit card when making online purchases. Use the "cooling-off" rule. Ask a retailer to explain their return policy.

Summarize the following:
In most cases, a stiff neck can be relieved immediately by performing a series of exercises to relieve tension caused by tight or strained neck muscles. Stretch the muscles in the front and back of your neck by tilting your chin toward your chest. Then bring your chin up toward the sky. Repeat for several minutes. If this exercise feels painful, don't tilt your head too far forward or backward. Just try enough movement to feel a little stretch. Stretch the muscles in the sides of your neck by tilting your head toward one shoulder and then toward the other. Continue doing so until the pain eases a bit and the muscles feel less tense. This is often the most painful motion you can make when you have a stiff neck, so ease into it slowly. Keep turning your head from left to right for several minutes. For the first few days after you start getting a stiff neck, it's a good idea to decrease the amount of physical activity. This will help reduce symptoms and relieve some of the inflammation you may be experiencing. Avoid the following sports or exercises for the first 2 to 3 weeks after the stiff neck appears: Football, rugby, hockey, or any other high-contact sports Golf Running or jogging Weightlifting Ballet Sit-ups and leg lifts
summary: Nod your head forward and backward. Tilt your head from side to side. Turn your head from left to right. Reduce heavy physical activity.