my wife and i closed on our house june 2009. we applied for the credit july 2009. here we are may 2010 and we still haven't received the money. in late february after going back and forth with the IRS they finally approved us for the $8,000 credit BUT now they were auditing us and claiming we owed them money and they were going to take it from the credit. after disputing that and sending in more info we received a letter in april 2010 stating our case has been closed and we have been denied the money completely.
IF THE OBAMA ADMINISTRATION WANT TO PUT A NICE TAX GENTURE OUT THERE TO THE PEOPLE THEY NEED TO KEEP A CLOSE EYE ON THINGS CAUSE THE IRS IS TRYING TO KEEP MY MONEY FOR BUYING A HOUSE.
all they can tell me is take it to court. WHY SHOULD I HAVE TO TAKE THIS TO COURT WHEN I BOUGHT MY FIRST HOUSE AND I SHOW PROOF AND I GET DENIED.
We are in the exact same place and were told the exact same thing by Amtruat which then was bought out a month later by Saxon. We bought a 2 bedroom condo in a desirable resort area shortly after getting married when the apartment complex we were living in was bought out and was being sold out by unit. With no other rental complexes in the area we decided to purchase (under terrible financial guidance) a condo and ended up having 2 kids unexpectedly. I would LOVE to get out from under this mortgage and get more space as we are all currently sleeping in the master bedroom and using the downstairs room as the play/guest room. But my husband has done an amazing job at getting us very close to debt freedom and we are currently deciding to attempt to pay off our mortgage in the next 9 years. Granted our space is small and not the average size considered the norm in our culture but growing up as a child in a family of 10 in a 3 bedroom home I know from experience that it is very doable to live in close quarters comfortably. I am learning to appreciate these close quarters again as I did when I was a child by sharing meals, sharing tv time and bwing forced by the small spac available to interact with my family. Half the condos in our building are empty and forclosed, but we are current on our mortgage and I don't see it as a wise financial decision to go into financial hardship just to get the chance to purchase a larger home just to one day find myself thinking again that that home may not be good enough as well. My son and daughter will learn as I did to respect each others space, to kkeep our home organized and clean in order to live as sanely as possible in our small quarters and to take pride in the blessing we have to have a roof at all. We are learning to live within our means, stick to our commitments as homeowners who signed a contract and how to appreciate life without all the extra junk and items that really just collect dust and clutter our homes. We don't need more than a weeks worth of clothing, we don't need a tv in every room, we don't need a formal dining room AND a breakfast nook, we don't Need two full baths, we don't need to hold onto so much stuffthat could be put to great use and bless another family that could really use that box of craft stuff in our attic or those baby toys and clothes we are holding onto just in case. My kids don't need all the newest toys and movies, i find the fewer toys they have available the more playing they do. And if you really aren't ready to part with all these things, loan them out to people you trust to take care of your things and that can put them to good use. I have tons of kids clothes, baby items, books, movies etc out on loan to friends this way I don't have them taking up space I don't have and I don't lose them for the what if scenarioes that may require me to need them again.
Another option to do with gift cards is Recarded.com They purchase new and partially used gift cards as well as allowing you to buy discounted gift cards and also trade them out.
OBTAIN YOUR LOAN HERE.
This is Cliff Davidson International loan lending firm,We are investors / Loan lenders.We focus on startup funds,mortgage loans,Agricultural loans,Personal loans,Educational loans,e.t.c.
Are you in need of a loan to pay your bills or for your child education?
Are you in need of a loan to purchase a property or for project establishment?
Are you in need of a loan for Agricultural purpose or for construction?
Are you in need of a loan for Business expansion or startup?
Have you been turned down by your bank or other lenders because of your credit facility?
Cliff Davidson Lending Firm is granting you the opportunity to actualize your dream.We offer all type of loans to interested persons for any purpose.Contact us today through the below email address if you are interested in a loan. cliffdavidson34@yahoo.com
What is my latte factor? I would have to say it would be yoga. I'm addicted, especially hot yoga-- there's nothing like sweating after a day of work!
I absolutely can't give it up, so instead I don't buy clothes. Lucky for me, I work in a casual work environment and in a casual city (New Orleans) and I can run around all day in cut off shorts and tank tops and no one minds. I probably save thousands cutting out THAT expense!
I try to focus my money on activity and experience, rather than stuff. I'll go to yoga, an around the world surf adventure, or a concert before I spent that money on a pair of shoes.
This an interesting read. Short, concise, big picture tips.
I would like to add: don't try to serve every customer's need. Its important to segment your market and choose your targets where you a have the highest likelihood for success as well as potential. Smart market research helps in this regard.
Using energy-efficient equipment can provide tremendous savings, particularly in larger corporate office environments. I suggest looking for EnergyStar rated products. Also, businesses can dispose of old equipment in a smart way - sometimes there are financial incentives provided for such actions.
I agree with #11 above as well - power consumption. It pays to turn off machines at night, as over the course of a year, the savings can be quite measurable. Additionally, some printing/imaging equipment has powersave type of settings, where equipment can go from "on" to a low-power or standby mode quickly. This can be worth looking into - you could call your printing or imaging company. Can't guarantee it, but would suspect that many of the top makers could provide assistance with this.
Very interesting article. As a pizza lover, I have tasted pizza both here at home (U.S.) as well as in Italy, and have had varying degrees of quality. Some inexpensive, some pricey - some bad, some great - and the two dimensions aren't necessarily correlated!
The commonality in my global pizza experiences has been consistency in the format - crust, tomato-based sauce, cheese, and some type of toppings. I have dabbled with a few others - white pizza, BBQ chicken pizza, etc - but for the most part, it has been the traditional format. This post provides some thought-provoking alternatives - such as Garlic White Bean Paste, Carrot Puree (would need to be seasoned, etc.
Back to the traditional aspect: organic tomato sauce is the way to go in that respect. May be a bit more expensive, but when you look at health and taste, it can be worth it.
This is a big picture view that takes into account flexibility and diversification. Think about it: we wouldn't invest our equity portfolio all in one stock, would we? No - most people have such equity investments in diversified mutual funds, through their 401(k) or other plan.
By the same token, in looking at our OVERALL retirement portfolio - and taking a very holistic view of what is contained in this "portfolio" - it makes sense to look at retirement planning through multiple vantage points. This not only means through different asset classes, but also different life categories -health, wealth, relationships - I like to call it the HWR framework. Its all interconnected.
I clip coupons for food I normally eat and save them until I can match them with a sale. I also make most of my food from scratch. In the spring/summer/fall, I hit up the local farmers market for great produce, meat, and dairy. I also use my freezer heavily to stock up on sales and to freeze 1-2 serving size amounts of homemade meals.
I purchased a freezer some years ago to help with food costs because I found most stores have one day a week for specials. I know some places you live will not allow for such items but if you are fortunate enough to be able to invest in such an item it will pay for itself in food saving in the long run. Buy on sale, currently both our stores have "Wednesday Specials". I try to buy my food items on those days to get a better deal. My family members are meat people so I buy what is on sale in family packs, most of the time the sale is only for family packs, then I divide them up into individual meal portions. We eat a lot of chicken and ground beef, as these a usually the less expensive meats where I live. We also use a lot of dry beans. Buy bulk and do the same with dry staple items as well. I just invested in a vacuum seal machine to help keep the shelf products more stable and to use when I break down the bulk items into individual meal serving sizes. Yes it is work but only once a week. It has saved me money over the years. The other tip I use is to plan your menus for the week or even for the month, this will also keep costs down and only buy what you need. Planning your menus will keep you on track with a budget. Try not to be repetitive in the meal planning for each week as that gets boring to you and the family. Buy vegetables in season and fruit in season. When affordable buy extra dry goods and keep in the pantry. Remember to rotate goods in the pantry so you do not loose them by letting them expire. Same with freezer items.
I might have to give the 'brick in the toilet tank' a try. At our house, we have a bucket in the shower. The bucket catches some of the waste water while showering and then we use it to flush the toilet. Saves several hundred gallons of water per month and saves us about 30-40 dollars per month on the water bill. You can either pocket the savings or give it to an organization that is working to provide clean water to areas that don't have it today such as World Vision (http://www.worldvision.org/worldvision/eappeal.nsf/egift_water_sanitation).
I'm in the same boat. Been enumerating for almost a week now and I hate it. They will only allow me to work between the hours of 9AM and 6PM and most people are getting home from work after 6PM so I can never catch them and have to keep going back over and over. Not to mention this is the desert and even now it's hot as hell between those times can imagine being out there in the 117 degree weather. Plus our crew leader is incompetent and has let the little bit of power she has get to her head. They get mad if you don't produce a certain amount of completed questionnaires regardless if people refuse to give you answers, open the door, or the house are completely vacant because of foreclosures. They even expect to go to people's houses if you see they are celebrating Mother's day and bug them especially. I haven't had one single friendly person open the door to me and I don't blame them. It's been nothing but pissed off people not wanting to be bothered and even people who did mail in their questionnaire but the Census lost it. I am quitting today!
After the old Civic hit the 300,000 mark (I can really relate to that TV ad that has the car with the nickels coming out the air vents), we finally bought a 3-year-old Consumer Reports Best Buy Civic Hybrid that still has 120,000 miles on the battery warranty. Hubby commutes a long way to work (all highway), so with that kind of driving a regular internal combustion engine DOES get decent enough mileage that it -would- take 10 years to pay off the difference in gas savings at the current or a slightly higher price-per-gallon of gasoline. We also researched the service bulletins on each model year and learned some hybrid model years are plagued with weird little problems, while other model years seem to be problem free, so you DO need to be extra careful with the new technology. After 6 months of -much- shopping around, we finally found the exact gently used hybrid model we wanted at a price that will "pay itself" in gas savings at the current price per gallon in approximately 5 years, including the cost of anticipated battery replacement every 100,000 miles.
What finally made the decision towards a hybrid is environmental concerns and deep concern we've passed Hubbard's Peak and our government is still in denial about it. When the inevitable energy crisis comes, it's going to be every bit as UGLY and MESSY as the bank bailouts and I don't care to be housebound while politicians point fingers and say "nobody knew this was coming." Being old enough to remember the gas lines of the 1970's, I say NO THANKS to repeating that whole sordid soap opera!!!
If gas prices suddenly spike back up to $3.50 per gallon (which I am betting they will within the 7 years we are planning on keeping this gently used car) the economics of buying a hybrid or other alternative technology change drastically. What made the decision to pay more for a hybrid is an educated gamble ... if the price spike comes, the only choice will be the old inefficient clunker whose gas-tank we can't afford to fill -or- a brand new hybrid, not a reliable secondhand car. Spending the $1000 more (which we had to do much shopping around to bring down that cost spread) is a form of insurance to us (though perhaps not to someone else ... this IS a free country after all!)
We're keeping our fingers crossed that the unknown of the hybrid battery won't make us regret the decision. In the meantime, the old 300K "baby" still works well enough for local driving. Our eldest will be using it every summer and school vacation break.
Except then you're putting your credit utilization rate through the roof. Which will drop your credit score.
Let's face it, if you've been paying off your balance every month then you shouldn't sudden'y face the temptation to spend every last dime of your credit line.
Also, many credit cards these days have No Preset Spending Limits. Essentially buy as much as you want regardless of your credit line. So if you're tempted to sudden;t buy everything in the store, you shouldn't have a credit card at all.
I have a cyberhome dvd-69, twas working properly for quite sometime and now it wont read any dvds but cds only. Can somebody tell me what to do? Thanks
There are legit sellers on Ebay, and you get get AppleCare for less than half of the retail price. I've done it. It works, it's legit. One seller in particular has a 600+ positive feedback rating, with the huge majority of transactions being the sale of AppleCare. Find this seller and you'll be in good shape. After purchase at 9pm, I had my # emailed to me and was registered with Apple by 10:30pm. And I saved about $150.
Too bad AC: you will be missing out on some great content from some really good writers. But why do you assume Goldman is guilty? Because the economy is in shambles? Because of the recession? I understand the need to lay blame, but if you really analyze the facts of what happened, you'll see that what Goldman did (even if you really don't like it), isn't very different from what happens every day in the market.
Someone makes a deal they think is good and it turns out not to be. Oops, they were wrong.
Just because you don't like the deal and feel it's awful doesn't mean it's illegal or even morally wrong. It's the market—this is how it works.
I hope you give Wisebread another shot: the writers here provide great advice from all kinds of different points of view.
Think I will switch to green way, too, cause my monthly power invoice is about 800 $ now. It really becomes now a little bit high.
my wife and i closed on our house june 2009. we applied for the credit july 2009. here we are may 2010 and we still haven't received the money. in late february after going back and forth with the IRS they finally approved us for the $8,000 credit BUT now they were auditing us and claiming we owed them money and they were going to take it from the credit. after disputing that and sending in more info we received a letter in april 2010 stating our case has been closed and we have been denied the money completely.
IF THE OBAMA ADMINISTRATION WANT TO PUT A NICE TAX GENTURE OUT THERE TO THE PEOPLE THEY NEED TO KEEP A CLOSE EYE ON THINGS CAUSE THE IRS IS TRYING TO KEEP MY MONEY FOR BUYING A HOUSE.
all they can tell me is take it to court. WHY SHOULD I HAVE TO TAKE THIS TO COURT WHEN I BOUGHT MY FIRST HOUSE AND I SHOW PROOF AND I GET DENIED.
I WANT MY MONEY THAT IS OWED TO ME.....
Going to use this list to ensure my office is green enough
We are in the exact same place and were told the exact same thing by Amtruat which then was bought out a month later by Saxon. We bought a 2 bedroom condo in a desirable resort area shortly after getting married when the apartment complex we were living in was bought out and was being sold out by unit. With no other rental complexes in the area we decided to purchase (under terrible financial guidance) a condo and ended up having 2 kids unexpectedly. I would LOVE to get out from under this mortgage and get more space as we are all currently sleeping in the master bedroom and using the downstairs room as the play/guest room. But my husband has done an amazing job at getting us very close to debt freedom and we are currently deciding to attempt to pay off our mortgage in the next 9 years. Granted our space is small and not the average size considered the norm in our culture but growing up as a child in a family of 10 in a 3 bedroom home I know from experience that it is very doable to live in close quarters comfortably. I am learning to appreciate these close quarters again as I did when I was a child by sharing meals, sharing tv time and bwing forced by the small spac available to interact with my family. Half the condos in our building are empty and forclosed, but we are current on our mortgage and I don't see it as a wise financial decision to go into financial hardship just to get the chance to purchase a larger home just to one day find myself thinking again that that home may not be good enough as well. My son and daughter will learn as I did to respect each others space, to kkeep our home organized and clean in order to live as sanely as possible in our small quarters and to take pride in the blessing we have to have a roof at all. We are learning to live within our means, stick to our commitments as homeowners who signed a contract and how to appreciate life without all the extra junk and items that really just collect dust and clutter our homes. We don't need more than a weeks worth of clothing, we don't need a tv in every room, we don't need a formal dining room AND a breakfast nook, we don't Need two full baths, we don't need to hold onto so much stuffthat could be put to great use and bless another family that could really use that box of craft stuff in our attic or those baby toys and clothes we are holding onto just in case. My kids don't need all the newest toys and movies, i find the fewer toys they have available the more playing they do. And if you really aren't ready to part with all these things, loan them out to people you trust to take care of your things and that can put them to good use. I have tons of kids clothes, baby items, books, movies etc out on loan to friends this way I don't have them taking up space I don't have and I don't lose them for the what if scenarioes that may require me to need them again.
Another option to do with gift cards is Recarded.com They purchase new and partially used gift cards as well as allowing you to buy discounted gift cards and also trade them out.
Pffffttt, Why bother being nice to people. They all hate me anyway.
Excellent point -- I like your HWR framework; security/wealth is so much more than money.
OBTAIN YOUR LOAN HERE.
This is Cliff Davidson International loan lending firm,We are investors / Loan lenders.We focus on startup funds,mortgage loans,Agricultural loans,Personal loans,Educational loans,e.t.c.
Are you in need of a loan to pay your bills or for your child education?
Are you in need of a loan to purchase a property or for project establishment?
Are you in need of a loan for Agricultural purpose or for construction?
Are you in need of a loan for Business expansion or startup?
Have you been turned down by your bank or other lenders because of your credit facility?
Cliff Davidson Lending Firm is granting you the opportunity to actualize your dream.We offer all type of loans to interested persons for any purpose.Contact us today through the below email address if you are interested in a loan.
cliffdavidson34@yahoo.com
My favorite fruit wasn't included on this list! Honeydew
What is my latte factor? I would have to say it would be yoga. I'm addicted, especially hot yoga-- there's nothing like sweating after a day of work!
I absolutely can't give it up, so instead I don't buy clothes. Lucky for me, I work in a casual work environment and in a casual city (New Orleans) and I can run around all day in cut off shorts and tank tops and no one minds. I probably save thousands cutting out THAT expense!
I try to focus my money on activity and experience, rather than stuff. I'll go to yoga, an around the world surf adventure, or a concert before I spent that money on a pair of shoes.
This an interesting read. Short, concise, big picture tips.
I would like to add: don't try to serve every customer's need. Its important to segment your market and choose your targets where you a have the highest likelihood for success as well as potential. Smart market research helps in this regard.
Using energy-efficient equipment can provide tremendous savings, particularly in larger corporate office environments. I suggest looking for EnergyStar rated products. Also, businesses can dispose of old equipment in a smart way - sometimes there are financial incentives provided for such actions.
I agree with #11 above as well - power consumption. It pays to turn off machines at night, as over the course of a year, the savings can be quite measurable. Additionally, some printing/imaging equipment has powersave type of settings, where equipment can go from "on" to a low-power or standby mode quickly. This can be worth looking into - you could call your printing or imaging company. Can't guarantee it, but would suspect that many of the top makers could provide assistance with this.
Very interesting article. As a pizza lover, I have tasted pizza both here at home (U.S.) as well as in Italy, and have had varying degrees of quality. Some inexpensive, some pricey - some bad, some great - and the two dimensions aren't necessarily correlated!
The commonality in my global pizza experiences has been consistency in the format - crust, tomato-based sauce, cheese, and some type of toppings. I have dabbled with a few others - white pizza, BBQ chicken pizza, etc - but for the most part, it has been the traditional format. This post provides some thought-provoking alternatives - such as Garlic White Bean Paste, Carrot Puree (would need to be seasoned, etc.
Back to the traditional aspect: organic tomato sauce is the way to go in that respect. May be a bit more expensive, but when you look at health and taste, it can be worth it.
Excellent post.
This is a big picture view that takes into account flexibility and diversification. Think about it: we wouldn't invest our equity portfolio all in one stock, would we? No - most people have such equity investments in diversified mutual funds, through their 401(k) or other plan.
By the same token, in looking at our OVERALL retirement portfolio - and taking a very holistic view of what is contained in this "portfolio" - it makes sense to look at retirement planning through multiple vantage points. This not only means through different asset classes, but also different life categories -health, wealth, relationships - I like to call it the HWR framework. Its all interconnected.
I clip coupons for food I normally eat and save them until I can match them with a sale. I also make most of my food from scratch. In the spring/summer/fall, I hit up the local farmers market for great produce, meat, and dairy. I also use my freezer heavily to stock up on sales and to freeze 1-2 serving size amounts of homemade meals.
I purchased a freezer some years ago to help with food costs because I found most stores have one day a week for specials. I know some places you live will not allow for such items but if you are fortunate enough to be able to invest in such an item it will pay for itself in food saving in the long run. Buy on sale, currently both our stores have "Wednesday Specials". I try to buy my food items on those days to get a better deal. My family members are meat people so I buy what is on sale in family packs, most of the time the sale is only for family packs, then I divide them up into individual meal portions. We eat a lot of chicken and ground beef, as these a usually the less expensive meats where I live. We also use a lot of dry beans. Buy bulk and do the same with dry staple items as well. I just invested in a vacuum seal machine to help keep the shelf products more stable and to use when I break down the bulk items into individual meal serving sizes. Yes it is work but only once a week. It has saved me money over the years. The other tip I use is to plan your menus for the week or even for the month, this will also keep costs down and only buy what you need. Planning your menus will keep you on track with a budget. Try not to be repetitive in the meal planning for each week as that gets boring to you and the family. Buy vegetables in season and fruit in season. When affordable buy extra dry goods and keep in the pantry. Remember to rotate goods in the pantry so you do not loose them by letting them expire. Same with freezer items.
Nice list of ways to be greener and save some cash as well.
Another easy way to save on ink cartridges is to use Ecofont's holey font: http://www.ecofont.com/en/products/green/font/download-the-ink-saving-fo...
I might have to give the 'brick in the toilet tank' a try. At our house, we have a bucket in the shower. The bucket catches some of the waste water while showering and then we use it to flush the toilet. Saves several hundred gallons of water per month and saves us about 30-40 dollars per month on the water bill. You can either pocket the savings or give it to an organization that is working to provide clean water to areas that don't have it today such as World Vision (http://www.worldvision.org/worldvision/eappeal.nsf/egift_water_sanitation).
I'm in the same boat. Been enumerating for almost a week now and I hate it. They will only allow me to work between the hours of 9AM and 6PM and most people are getting home from work after 6PM so I can never catch them and have to keep going back over and over. Not to mention this is the desert and even now it's hot as hell between those times can imagine being out there in the 117 degree weather. Plus our crew leader is incompetent and has let the little bit of power she has get to her head. They get mad if you don't produce a certain amount of completed questionnaires regardless if people refuse to give you answers, open the door, or the house are completely vacant because of foreclosures. They even expect to go to people's houses if you see they are celebrating Mother's day and bug them especially. I haven't had one single friendly person open the door to me and I don't blame them. It's been nothing but pissed off people not wanting to be bothered and even people who did mail in their questionnaire but the Census lost it. I am quitting today!
After the old Civic hit the 300,000 mark (I can really relate to that TV ad that has the car with the nickels coming out the air vents), we finally bought a 3-year-old Consumer Reports Best Buy Civic Hybrid that still has 120,000 miles on the battery warranty. Hubby commutes a long way to work (all highway), so with that kind of driving a regular internal combustion engine DOES get decent enough mileage that it -would- take 10 years to pay off the difference in gas savings at the current or a slightly higher price-per-gallon of gasoline. We also researched the service bulletins on each model year and learned some hybrid model years are plagued with weird little problems, while other model years seem to be problem free, so you DO need to be extra careful with the new technology. After 6 months of -much- shopping around, we finally found the exact gently used hybrid model we wanted at a price that will "pay itself" in gas savings at the current price per gallon in approximately 5 years, including the cost of anticipated battery replacement every 100,000 miles.
What finally made the decision towards a hybrid is environmental concerns and deep concern we've passed Hubbard's Peak and our government is still in denial about it. When the inevitable energy crisis comes, it's going to be every bit as UGLY and MESSY as the bank bailouts and I don't care to be housebound while politicians point fingers and say "nobody knew this was coming." Being old enough to remember the gas lines of the 1970's, I say NO THANKS to repeating that whole sordid soap opera!!!
If gas prices suddenly spike back up to $3.50 per gallon (which I am betting they will within the 7 years we are planning on keeping this gently used car) the economics of buying a hybrid or other alternative technology change drastically. What made the decision to pay more for a hybrid is an educated gamble ... if the price spike comes, the only choice will be the old inefficient clunker whose gas-tank we can't afford to fill -or- a brand new hybrid, not a reliable secondhand car. Spending the $1000 more (which we had to do much shopping around to bring down that cost spread) is a form of insurance to us (though perhaps not to someone else ... this IS a free country after all!)
We're keeping our fingers crossed that the unknown of the hybrid battery won't make us regret the decision. In the meantime, the old 300K "baby" still works well enough for local driving. Our eldest will be using it every summer and school vacation break.
oh
oh
Except then you're putting your credit utilization rate through the roof. Which will drop your credit score.
Let's face it, if you've been paying off your balance every month then you shouldn't sudden'y face the temptation to spend every last dime of your credit line.
Also, many credit cards these days have No Preset Spending Limits. Essentially buy as much as you want regardless of your credit line. So if you're tempted to sudden;t buy everything in the store, you shouldn't have a credit card at all.
I have a cyberhome dvd-69, twas working properly for quite sometime and now it wont read any dvds but cds only. Can somebody tell me what to do? Thanks
There are legit sellers on Ebay, and you get get AppleCare for less than half of the retail price. I've done it. It works, it's legit. One seller in particular has a 600+ positive feedback rating, with the huge majority of transactions being the sale of AppleCare. Find this seller and you'll be in good shape. After purchase at 9pm, I had my # emailed to me and was registered with Apple by 10:30pm. And I saved about $150.
Too bad AC: you will be missing out on some great content from some really good writers. But why do you assume Goldman is guilty? Because the economy is in shambles? Because of the recession? I understand the need to lay blame, but if you really analyze the facts of what happened, you'll see that what Goldman did (even if you really don't like it), isn't very different from what happens every day in the market.
Someone makes a deal they think is good and it turns out not to be. Oops, they were wrong.
Just because you don't like the deal and feel it's awful doesn't mean it's illegal or even morally wrong. It's the market—this is how it works.
I hope you give Wisebread another shot: the writers here provide great advice from all kinds of different points of view.