About the cheapest route for me was to cut up a few of the thousand flannel receiving blankets I had gotten from folks when my daughter was born. Sewed, turned, top stitched. For a "solution" I have a small spray bottle from the $1 store (originally for spritzing your hair with water, I think) and filled it with distilled (to keep mildew/mold at bay) water and a sqirt of Dr. Bronner's pure castile soap (cheap travel size bottles at Target for a little more than $1 that lasts and lasts). Or a small amount of olive oil. That's all. Though, I do not use cloth wipes for poopy messes-I use disposable. I bought a jumbo pack (720 ct) at Sam's for $15 and the whole lot has lasted the better part of a year-still fresh when opened, too. So really, I only spent $15 for an entire year worth of wiping up messes :)
As a reply to the Guest that said he/she is uncomfortable with the tone of this article, I actually said that I have no evidence that Countrywide did this on purpose, but if my mom hadn't complained then they would have gotten away with stealing my parents money. It is as simple as that.
If you actually read my article you would see that I said another company called EMC was evil. They were actually found guilty and paid money back to consumers. This is the link to the EMC incident: http://www.ftc.gov/opa/2009/01/emc.shtm I think that is proof enough.
Also I didn't say that everyone who works for Countrywide is evil, but the representative that talked to my mom obviously lied or was misinformed. However, like Philip said, if what the representative said was true, then Countrywide has a serious problem on their hands and thousands of customers may be affected. Many of these customers may be trusting Countrywide to do their mortgage calculations correctly, and they may lose a lot of money. If Countrywide is not proactively trying to fix an actual systemic problem like this then it is a serious issue and it is a scam.
A started using a new website called PersonaVita that allows me create a professional portfolio of all my past projects I worked on. You can send a quick summary page for your co-worked to validate your project. Then when the time comes to apply for the new job you have a reason to be hired - validated work experience.
On my first mortgage, my mortgage company added wind insurance. I had actually read my homeowner's insurance policy and still remembered that high winds were covered. I now vaguely remember that calling my mortgage company didn't work and I had to sic my insurance company on them. That did work.
It may have been mistakes--but it was a lot more than just one mistake.
First, there was the on-line interface that lets you enter an amount to be applied as an extra principal payment, but that didn't seem to actually do so. That could be a buggy website--in which case it probably means that hundreds or thousands of payments have been misapplied. Alternatively, there could be a manual step where some clerk needed to apply the payment and just screwed up--but seemed to have screwed up more than once in the case of Xin's parents. So, possibly mistakes, but if so either serious mistakes or else lots of them.
Second, there was the wrong information that Xin got when she inquired about the problem. Again, possibly just a mistake--a support person who didn't know how their web interface worked (or, perhaps, knew it was busted and was trying to provide accurate information--but that would seem to indicate willful bad-acting on the part of the firm, if their service people know the web interface doesn't work and yet they haven't gotten it fixed).
I suppose it's possible that Xin's parents were the first to stumble upon this particular scenario, but it sure sounds like a systemic problem somewhere in how Countrywide applied extra principal payments. If that was due to honest mistakes, Countrywide's next step would be to track down all the other affected people and fix the problem. Let's just see if we hear anything about that happening, shall we?
We've had, over the last 40 years, 7 mortages - 1 private, 2 with banks, 2 with a credit union and 2 with Countrywide. We have always prepaid our mortages, but not without some problems. The 2 with Countrywide and the current with a bank have been paid on-line. The one big difference is that we made sure there was a brick & mortar office within an hour's drive.
So, when we did have a problem with principal being credited properly, we drove to the office to have it corrected. Having papers in hand & records on line, both the Countrywide representative and us could see where the problem existed. The office manager at the Countrywide office was very helpful, took care of it immediately and while not admitting that on-line payment corrections could be difficult, told us we were better off coming to the office.
No, it should not be that difficult and no, we do not believe Countrywide targets certain people.
I think if you are in a fine situation, paying your mortgage as you have been for years, and everything's fine, then you should ignore all this stuff, and just continue on with your bad selves!!
That's what I think!
If it's NOT BROKE, don't FIX IT!!!
We're doing fine so far. Living like we always have. Hopefully we'll stay this way....but until then, I'm not messing with my credit, or my mortgage or anything. Too much weird stuff is going on now.
My mortgage company called me DAILY a few months ago, until I finally spoke to someone and told them to stop calling.
They wanted us to lower our payments if we needed to.
We didn't.
That is awful. Good thing for your folks that they are knowledgeable and watch their payments closely. Otherwise, they may have not noticed the problem, or may have assumed that CW was correct.
Especially disturbing to me was what the representative said to them -- There is a point where bad training, whether negligent or deliberate, crosses into scam-hood, and I think CW crossed it when that representative erroneously insisted your mother was wrong and refused to correct the company's error. She shouldn't have had to press on. So many people would have backed down right there. I wonder how much CW and other companies have earned from these kinds of incidents over the years.
If its a meat product, it can probably benefit from a marinade that contains sugar in a good quantity, and acid. (Which is why the coca cola works out, though they use disgusting high fructose corn syrup in coke now). I generally prefer to get my acid from a combo of vinegar, lemon, and lime juices. For a more gourmet taste - slightly dilute it with the other secret ingredients - wine and or / soy sauce.
Other interesting sources of acid: Orange juice. Orange juice is a fantastic acid for things like grilled chicken, in particular when the chicken is marinaded in something spicy (say habanero peppers), again, be sure to add sugar and your other spices. The sugar is important as it acts as a meat tenderizer.
One of my other favorites to add is mustard. This can be any type of mustard, though I prefer dijon. Honey in a small amount can add to dishes which are very spicy, and has a subtle different taste than sugar in them. Honey isn't cheap though.
Using a better quality of salt can also help. I don't use a lot of salt, but when I do, I prefer kosher salt. It has a very clean taste.
Coffee can be used to give chicken and turkey a slightly smoked taste, and adds a very nice dark color. You can baste with it, or apply it in a rub that sits for an hour before you put it in the oven.
Mystery shopping is hard work. I have been doing it for over 10 years. There is no free lunch as the saying goes.
The high and dining shops require extensive narratives as stated above. They also require observations, timings and details that make the experience a little more than simply going in, eating and leaving. If you do a really high end shop, the narrative requires a detail of the entire experience in terms of who delivered the bread, who cleaned the crumbs, if the water was refilled, at what intervals and by whom. The biggest challenge is reading name tag in dark dining areas and recording the information without being seen. The company asked you to go to the rest room several times to make notes and send your partner in alternating trips to do the same.
Even shops that pay lower amounts, say $7.50 for a fast food shop require timing to the second. If thee is a delay in some set time point, you are asked the reason for the delay. How should you know the reason for a delay in the payment process for a car 3 cars in front of you? The shops also require you enter the times in and out two times, have warnings about managers watching cameras to be sure you are sitting there for 15 minutes and also cameras to check that you shopped alone. All this for $7.50! If the company decides you did not time properly or explain in enough detail the report can be rejected and you are out the out of pocket expense. There are also time perimeters and if the location's clock does not match your watch and standard time- and believe me- I have shoppped fast food places where the time on the receipt is off by one hour- especially when the time changes- you risk not being paid. The money you put out for food that you may not even eat as the company dictates exactly what must be ordered at each of the order points is in limbo until you get paid- which can be 4-6 weeks in the future. You are to remain unobserved despite the fact that you go thru the drive thru and then eat inside within a period of 15 minutes or so.
I was taken off a fast food shop recently because the manager IDed me. Well, I had been there twice in the past and I was the only white person who ever went into the place. The rest room was locked so I had to ask for the key each time and well, they figured it out. That did not take Sherlock Holmes to investigate!
There are also higher paying bank shops that require you to role play that you have $500K to invest. You have to make all sorts of observations about signage, disclousres and then detail the facts for a big $30- $35 fee. An appointment has to be made. This can take several phone calls. The visit alone will take over an hour in most cases and then there is the phone training to qualify for the shop. The report can take a long time to write as the editors can be really picky.
Shops are rated for quality. If an editor does not like your writing style or if you make errors your report is given a lower score. Lower scores translate to less jobs in the future.
Companies seem to have a double standard that drive me crazy. If they are late paying, late in getting forms out to shoppers, they say it was unavoidable and apologize. Once I made a one number error on a report. It was a simply typo on $2.00 phone shop. Yes, a $2.00 long distance call phone shop.
The report was rejected. I was sent a curt e mail about mystery shopping be an exact science that requires perfectdion at all times- for $2.00!
In my experience the shops are getting lesser in number and the $8 to $10 an hour is accurate if you give the reports the time and detail required to get paid. It is by no means an easy job nor something that any of my friends think is worth the time and effort.
I live in CT and there is a great deal of discomfort that he received very favorable rates on his mortgages a few years ago while overseeing the mortgage practices of the time. The company giving him the 'sweetheart' deal is Countrywide. I am sure many people have mortgages with them and do not have a problem, but they do not seem to be a completely benevolent institution. The investigation in CT continues and some think he may be voted out of office the next time around because of this.
I have to say that I'm really not very comfortable with the tone of this article. There's no evidence presented that this was anything other than a mistake rather than a deliberate scam. I don't think it's very balanced to refer to a company as 'evil'...a company didn't come up with the policies you don't like - individulas did. Are you saying that everyone who ever worked for that company is also evil?
It is sad but not uncommon that company representatives are often not aware of the specifics of the company's website. I have found that to be the case with a number of companies.
Do i think that there are unsavory mortgage servicers out there...I'm sure there are. I'm just not sure you showed that Countrywide is one of them. And given that headline, you should have more proof.
Glad your parents were able to get that issue resolved. I do keep a schedule of our mortgage payments, and we also had an issue when we first set up automated extra monthly principle payments.
We don't have foreign sounding names, and we don't escrow our taxes or insurance. I'm inclined to believe that the mistake was due to incompetence on our lender's part. But you can believe that I had a representative walk me through each and every transaction until the mistake was clearly understood and corrected. Mistake or scam, it was $1400 of our money that was going unaccounted for, and I'm really glad I was following things closely enough to see that something had gone wrong.
Very useful advice you've put together in this post.
This plan is doomed to failure for two reasons. First, as for the unemployed, there is nothing the plan can do for them because they cannot afford to re-pay any loan. No lender will re-work a loan for someone with no job. Second, the Comptroller of the Currency - which tracks mortgage default rates - confirms that 58% of homeowners who had their loans modified in 2008 RE-DEFAULTED within 8 months. No one is talking about that statistic because it drives a stake right through the heart of this plan.
Growing up in Canada, the Entertainment Book was a staple in everyone's household. Our family saved SO much money by using it.
My favorite are the restaurant coupons. It's a great way to try out a new restaurant without worrying about wasting your money on a full price dinner. Hopefully even the not-so-good meals are worth paying just 50% of the price.
I also like the movie coupons. They are such a great deal!
I haven't had cable in over 15 years, and I don't miss it one bit.
When I got married, my husband came from the TV junkie background, and I told him that he could get cable, but he had to arrange for the installation and cost and keep up with it.
He decided to wait, and now he's been cable free for over 7 years.
We have basic channels, a large dvd collection and don't miss the inflated bill. We have more free time to do things together - play board games, read, etc because we're not obsessed with the latest new shows.
We also have high speed internet, (my one big indulgence) but I negotiated with the service and kept our intro rate (going on 3 years) - $12 a month for high speed WiFi. :)
I am a senior citizen who is about to lose my home of twenty eight years. What advice can they give me to save my home. My husband is disabled and I am severely ill. So I am unable to work as well.
Most of the Billionaires suggest to purchase stocks. I did purchase stocks before the market crashed. l started out sixty five thousand dollars and now it is down to six thousand dollars which we are living on.
My husband and myself receive thirteen hundred and fifty dollars a month. Our house payment is almost one thousand dollars a month. Our saving are almost depleted and I have no where to turn. I need a God send and I do not think the advice of a billionaire is going to save me my home and my life without health insurance.
It is very easy to have all the answers when you have billions of dollars. How can they give me advice before at age 63 I will become homeless.
I read all the fine print, under terms of usage for both Restaurant.com and the Merchants Terms of Agreement. Like everyone else says here, you need to read what you're doing!
Yes, you can only use 1 coupon at 1 restaurant per month! Big Deal! One Coupon During One Visit! You're also suppose to pay 18% or 20% Tip on the BEFORE DISCOUNT price. That's just common sense! Be nice to your waiters!
There are tons of restaurants listed that my husband and I visit regularly. We've used this with no problem and will continue!
Don't want to get offers or spam, then say NO when it asks you! Also, don't sign up for Shopping Essentials if you don't want to get charged for it!
Easy! I agree with the others - TAKE RESPONSIBILITY FOR YOUR ACTIONS! Read before you DO anything. :) This is a fantastic way to save money and get to try out new places! BRAVO!
Coupons for dry cleaning, gasoline and bookstores would definitely make my day! We all need clean clothes and dry cleaning can be quite expensive, many of us drive cars so we can get to work, and I love to read.
The word work itself needs to be analyzed. I'm excited about the money he's earmarked for our rail transportation system. That could be very exciting for the future of fast rail in the US. The rest, I guess we'll have to wait and see.
I also believe that one reason for the high security and the thick glass is the abysmal customer service by Comcast. It can make people very angry. We, for example, are happy to have not to deal with THEM anymore. Google for Comcast AND hammer or "Mona Shaw" and enjoy.
About the cheapest route for me was to cut up a few of the thousand flannel receiving blankets I had gotten from folks when my daughter was born. Sewed, turned, top stitched. For a "solution" I have a small spray bottle from the $1 store (originally for spritzing your hair with water, I think) and filled it with distilled (to keep mildew/mold at bay) water and a sqirt of Dr. Bronner's pure castile soap (cheap travel size bottles at Target for a little more than $1 that lasts and lasts). Or a small amount of olive oil. That's all. Though, I do not use cloth wipes for poopy messes-I use disposable. I bought a jumbo pack (720 ct) at Sam's for $15 and the whole lot has lasted the better part of a year-still fresh when opened, too. So really, I only spent $15 for an entire year worth of wiping up messes :)
As a reply to the Guest that said he/she is uncomfortable with the tone of this article, I actually said that I have no evidence that Countrywide did this on purpose, but if my mom hadn't complained then they would have gotten away with stealing my parents money. It is as simple as that.
If you actually read my article you would see that I said another company called EMC was evil. They were actually found guilty and paid money back to consumers. This is the link to the EMC incident: http://www.ftc.gov/opa/2009/01/emc.shtm I think that is proof enough.
Also I didn't say that everyone who works for Countrywide is evil, but the representative that talked to my mom obviously lied or was misinformed. However, like Philip said, if what the representative said was true, then Countrywide has a serious problem on their hands and thousands of customers may be affected. Many of these customers may be trusting Countrywide to do their mortgage calculations correctly, and they may lose a lot of money. If Countrywide is not proactively trying to fix an actual systemic problem like this then it is a serious issue and it is a scam.
A started using a new website called PersonaVita that allows me create a professional portfolio of all my past projects I worked on. You can send a quick summary page for your co-worked to validate your project. Then when the time comes to apply for the new job you have a reason to be hired - validated work experience.
Kudos on these tips. I know that there is a reason for why these ingredients work so well... and the background on why is super-handy! Thanks!
Linsey Knerl
On my first mortgage, my mortgage company added wind insurance. I had actually read my homeowner's insurance policy and still remembered that high winds were covered. I now vaguely remember that calling my mortgage company didn't work and I had to sic my insurance company on them. That did work.
@ Guest:
It may have been mistakes--but it was a lot more than just one mistake.
First, there was the on-line interface that lets you enter an amount to be applied as an extra principal payment, but that didn't seem to actually do so. That could be a buggy website--in which case it probably means that hundreds or thousands of payments have been misapplied. Alternatively, there could be a manual step where some clerk needed to apply the payment and just screwed up--but seemed to have screwed up more than once in the case of Xin's parents. So, possibly mistakes, but if so either serious mistakes or else lots of them.
Second, there was the wrong information that Xin got when she inquired about the problem. Again, possibly just a mistake--a support person who didn't know how their web interface worked (or, perhaps, knew it was busted and was trying to provide accurate information--but that would seem to indicate willful bad-acting on the part of the firm, if their service people know the web interface doesn't work and yet they haven't gotten it fixed).
I suppose it's possible that Xin's parents were the first to stumble upon this particular scenario, but it sure sounds like a systemic problem somewhere in how Countrywide applied extra principal payments. If that was due to honest mistakes, Countrywide's next step would be to track down all the other affected people and fix the problem. Let's just see if we hear anything about that happening, shall we?
We've had, over the last 40 years, 7 mortages - 1 private, 2 with banks, 2 with a credit union and 2 with Countrywide. We have always prepaid our mortages, but not without some problems. The 2 with Countrywide and the current with a bank have been paid on-line. The one big difference is that we made sure there was a brick & mortar office within an hour's drive.
So, when we did have a problem with principal being credited properly, we drove to the office to have it corrected. Having papers in hand & records on line, both the Countrywide representative and us could see where the problem existed. The office manager at the Countrywide office was very helpful, took care of it immediately and while not admitting that on-line payment corrections could be difficult, told us we were better off coming to the office.
No, it should not be that difficult and no, we do not believe Countrywide targets certain people.
I think if you are in a fine situation, paying your mortgage as you have been for years, and everything's fine, then you should ignore all this stuff, and just continue on with your bad selves!!
That's what I think!
If it's NOT BROKE, don't FIX IT!!!
We're doing fine so far. Living like we always have. Hopefully we'll stay this way....but until then, I'm not messing with my credit, or my mortgage or anything. Too much weird stuff is going on now.
My mortgage company called me DAILY a few months ago, until I finally spoke to someone and told them to stop calling.
They wanted us to lower our payments if we needed to.
We didn't.
Good luck to everyone! We all need it.
That is awful. Good thing for your folks that they are knowledgeable and watch their payments closely. Otherwise, they may have not noticed the problem, or may have assumed that CW was correct.
Especially disturbing to me was what the representative said to them -- There is a point where bad training, whether negligent or deliberate, crosses into scam-hood, and I think CW crossed it when that representative erroneously insisted your mother was wrong and refused to correct the company's error. She shouldn't have had to press on. So many people would have backed down right there. I wonder how much CW and other companies have earned from these kinds of incidents over the years.
If its a meat product, it can probably benefit from a marinade that contains sugar in a good quantity, and acid. (Which is why the coca cola works out, though they use disgusting high fructose corn syrup in coke now). I generally prefer to get my acid from a combo of vinegar, lemon, and lime juices. For a more gourmet taste - slightly dilute it with the other secret ingredients - wine and or / soy sauce.
Other interesting sources of acid: Orange juice. Orange juice is a fantastic acid for things like grilled chicken, in particular when the chicken is marinaded in something spicy (say habanero peppers), again, be sure to add sugar and your other spices. The sugar is important as it acts as a meat tenderizer.
One of my other favorites to add is mustard. This can be any type of mustard, though I prefer dijon. Honey in a small amount can add to dishes which are very spicy, and has a subtle different taste than sugar in them. Honey isn't cheap though.
Using a better quality of salt can also help. I don't use a lot of salt, but when I do, I prefer kosher salt. It has a very clean taste.
Coffee can be used to give chicken and turkey a slightly smoked taste, and adds a very nice dark color. You can baste with it, or apply it in a rub that sits for an hour before you put it in the oven.
Mystery shopping is hard work. I have been doing it for over 10 years. There is no free lunch as the saying goes.
The high and dining shops require extensive narratives as stated above. They also require observations, timings and details that make the experience a little more than simply going in, eating and leaving. If you do a really high end shop, the narrative requires a detail of the entire experience in terms of who delivered the bread, who cleaned the crumbs, if the water was refilled, at what intervals and by whom. The biggest challenge is reading name tag in dark dining areas and recording the information without being seen. The company asked you to go to the rest room several times to make notes and send your partner in alternating trips to do the same.
Even shops that pay lower amounts, say $7.50 for a fast food shop require timing to the second. If thee is a delay in some set time point, you are asked the reason for the delay. How should you know the reason for a delay in the payment process for a car 3 cars in front of you? The shops also require you enter the times in and out two times, have warnings about managers watching cameras to be sure you are sitting there for 15 minutes and also cameras to check that you shopped alone. All this for $7.50! If the company decides you did not time properly or explain in enough detail the report can be rejected and you are out the out of pocket expense. There are also time perimeters and if the location's clock does not match your watch and standard time- and believe me- I have shoppped fast food places where the time on the receipt is off by one hour- especially when the time changes- you risk not being paid. The money you put out for food that you may not even eat as the company dictates exactly what must be ordered at each of the order points is in limbo until you get paid- which can be 4-6 weeks in the future. You are to remain unobserved despite the fact that you go thru the drive thru and then eat inside within a period of 15 minutes or so.
I was taken off a fast food shop recently because the manager IDed me. Well, I had been there twice in the past and I was the only white person who ever went into the place. The rest room was locked so I had to ask for the key each time and well, they figured it out. That did not take Sherlock Holmes to investigate!
There are also higher paying bank shops that require you to role play that you have $500K to invest. You have to make all sorts of observations about signage, disclousres and then detail the facts for a big $30- $35 fee. An appointment has to be made. This can take several phone calls. The visit alone will take over an hour in most cases and then there is the phone training to qualify for the shop. The report can take a long time to write as the editors can be really picky.
Shops are rated for quality. If an editor does not like your writing style or if you make errors your report is given a lower score. Lower scores translate to less jobs in the future.
Companies seem to have a double standard that drive me crazy. If they are late paying, late in getting forms out to shoppers, they say it was unavoidable and apologize. Once I made a one number error on a report. It was a simply typo on $2.00 phone shop. Yes, a $2.00 long distance call phone shop.
The report was rejected. I was sent a curt e mail about mystery shopping be an exact science that requires perfectdion at all times- for $2.00!
In my experience the shops are getting lesser in number and the $8 to $10 an hour is accurate if you give the reports the time and detail required to get paid. It is by no means an easy job nor something that any of my friends think is worth the time and effort.
I live in CT and there is a great deal of discomfort that he received very favorable rates on his mortgages a few years ago while overseeing the mortgage practices of the time. The company giving him the 'sweetheart' deal is Countrywide. I am sure many people have mortgages with them and do not have a problem, but they do not seem to be a completely benevolent institution. The investigation in CT continues and some think he may be voted out of office the next time around because of this.
This is the wake up call that in a year or so will be forgotten as people hit the snooze button again and forget what they should have learned . . .
I have to say that I'm really not very comfortable with the tone of this article. There's no evidence presented that this was anything other than a mistake rather than a deliberate scam. I don't think it's very balanced to refer to a company as 'evil'...a company didn't come up with the policies you don't like - individulas did. Are you saying that everyone who ever worked for that company is also evil?
It is sad but not uncommon that company representatives are often not aware of the specifics of the company's website. I have found that to be the case with a number of companies.
Do i think that there are unsavory mortgage servicers out there...I'm sure there are. I'm just not sure you showed that Countrywide is one of them. And given that headline, you should have more proof.
Glad your parents were able to get that issue resolved. I do keep a schedule of our mortgage payments, and we also had an issue when we first set up automated extra monthly principle payments.
We don't have foreign sounding names, and we don't escrow our taxes or insurance. I'm inclined to believe that the mistake was due to incompetence on our lender's part. But you can believe that I had a representative walk me through each and every transaction until the mistake was clearly understood and corrected. Mistake or scam, it was $1400 of our money that was going unaccounted for, and I'm really glad I was following things closely enough to see that something had gone wrong.
Very useful advice you've put together in this post.
-Kate
None of it surprises me.
I only consider wiki to be a somewhat accurate source of information.
This plan is doomed to failure for two reasons. First, as for the unemployed, there is nothing the plan can do for them because they cannot afford to re-pay any loan. No lender will re-work a loan for someone with no job. Second, the Comptroller of the Currency - which tracks mortgage default rates - confirms that 58% of homeowners who had their loans modified in 2008 RE-DEFAULTED within 8 months. No one is talking about that statistic because it drives a stake right through the heart of this plan.
Growing up in Canada, the Entertainment Book was a staple in everyone's household. Our family saved SO much money by using it.
My favorite are the restaurant coupons. It's a great way to try out a new restaurant without worrying about wasting your money on a full price dinner. Hopefully even the not-so-good meals are worth paying just 50% of the price.
I also like the movie coupons. They are such a great deal!
Ok..do I win? ;-)
I haven't had cable in over 15 years, and I don't miss it one bit.
When I got married, my husband came from the TV junkie background, and I told him that he could get cable, but he had to arrange for the installation and cost and keep up with it.
He decided to wait, and now he's been cable free for over 7 years.
We have basic channels, a large dvd collection and don't miss the inflated bill. We have more free time to do things together - play board games, read, etc because we're not obsessed with the latest new shows.
We also have high speed internet, (my one big indulgence) but I negotiated with the service and kept our intro rate (going on 3 years) - $12 a month for high speed WiFi. :)
I am a senior citizen who is about to lose my home of twenty eight years. What advice can they give me to save my home. My husband is disabled and I am severely ill. So I am unable to work as well.
Most of the Billionaires suggest to purchase stocks. I did purchase stocks before the market crashed. l started out sixty five thousand dollars and now it is down to six thousand dollars which we are living on.
My husband and myself receive thirteen hundred and fifty dollars a month. Our house payment is almost one thousand dollars a month. Our saving are almost depleted and I have no where to turn. I need a God send and I do not think the advice of a billionaire is going to save me my home and my life without health insurance.
It is very easy to have all the answers when you have billions of dollars. How can they give me advice before at age 63 I will become homeless.
I read all the fine print, under terms of usage for both Restaurant.com and the Merchants Terms of Agreement. Like everyone else says here, you need to read what you're doing!
Yes, you can only use 1 coupon at 1 restaurant per month! Big Deal! One Coupon During One Visit! You're also suppose to pay 18% or 20% Tip on the BEFORE DISCOUNT price. That's just common sense! Be nice to your waiters!
There are tons of restaurants listed that my husband and I visit regularly. We've used this with no problem and will continue!
Don't want to get offers or spam, then say NO when it asks you! Also, don't sign up for Shopping Essentials if you don't want to get charged for it!
Easy! I agree with the others - TAKE RESPONSIBILITY FOR YOUR ACTIONS! Read before you DO anything. :) This is a fantastic way to save money and get to try out new places! BRAVO!
Coupons for dry cleaning, gasoline and bookstores would definitely make my day! We all need clean clothes and dry cleaning can be quite expensive, many of us drive cars so we can get to work, and I love to read.
Never had one, but stumbled across your website today when I was looking for a coupon for coldstone icecream.
The word work itself needs to be analyzed. I'm excited about the money he's earmarked for our rail transportation system. That could be very exciting for the future of fast rail in the US. The rest, I guess we'll have to wait and see.
I also believe that one reason for the high security and the thick glass is the abysmal customer service by Comcast. It can make people very angry. We, for example, are happy to have not to deal with THEM anymore. Google for Comcast AND hammer or "Mona Shaw" and enjoy.