• almost got me!!

    i am a san diego resident currently serving in the u.s. navy. i signed up for the acn mlm. i thought this was my big break because i have seen alot of marketing scemes throughout my days but this one seemed legit. i signed for the enrollment fee of 499. and when i got home i decided to do research because it was kinda odd that they wanted my cr3dit card numbers and the numbers on the back of my credit card!! no one ever asked for the number on the back unless i were purchasing something online. so when i did my research i found that acn isnt all that its cracked up to be. so i immediately canceled my credit card!!
    thanks google!! lol

  • This probably has absolutely nothing to do with finances

    but it was enough of a “wow” story that I figured I’d share. I was driving along home from the field, and had just turned onto Bunk Foss Road from Hwy 9. I saw a Snohomish County sheriff’s cruiser coming towards me, normal speeds, no lights or anything. My first thought (of course) was to glance down to make sure I wasn’t speeding. But when I looked up, I saw something horrible – I saw the silhouette of a handgun being held to the officer’s ear as he drove past me. Holy Crap?!?!?! It was just a split second but the shape was very distinctive. And then he’d gone past me.

    My first thought was “hmmm, maybe they simply carry a spare handgun on that plexiglass panel between front and back seats……” I thought about that for just a moment and it seemed very implausible to me. I thought another second or two, and thought was there anything else that shape could have been? And I started to get a sick feeling that there really weren’t too many other things it might have been. So I pulled over and called 911.

    The guy on the phone was very good, he got as much detail as he could, what I’d seen, what I hadn’t seen, what the cruiser looked like, which agency, etc etc. And within about two minutes, I heard sirens screaming towards me from two different directions. I said “I can hear sirens. Are they coming for me?” And the guy said yes, they’re coming to check this out and they’re going to want to talk to you. So when they get there, tell me and I’ll get off the phone and let you talk to them.” Alrighty then.

    In the next two minutes, I had no fewer than a dozen cars show up and surround my truck. When I heard the first one coming I thought I’d just go ahead and get out of the truck, with empty hands, so that there was absolutely no question what my intentions were. The first guy on the scene came up to me and started to ask me, very nicely but intently, to repeat what I’d told the 911 guy. So I did. As I told the story again, more cruisers and SUVs and other LE vehicles continued to pour in, and a police helicopter appeared overhead and just parked there. Several other officers came up and they started talking about various rollcalls, and whether I was SURE it was a Snoho County car, or perhaps another black/white car. I said I was sure it was black and white, but I didn’t see the city/town/county on the side. A King County car, with very similar markings, showed up and the guy was on the radio the whole time. The officer who had first talked to me stayed with me as folks continued to report to him.

    I’m glad to report that we think we know what happened, and it has a happy ending. A Snoho county sheriff’s deputy, in his car, was on Bunk Foss Road at the time of the “incident”, and he was on his CELL PHONE talking to the guy who was actually talking to me, at the approximate time of what I saw. He was definitely on that road, at that moment, and we would have crossed. And here’s the kicker. For whatever reason, police officers tend to hold the phone away from their heads while driving, and most agencies have folding phones. So if the phone was held at the right angle, at the right distance, with the right back lighting, it would have looked a heckuva lot like a handgun being held to the ear. PBCLoans Inc. payday loans, bad credit OK! All said and done, I was there for about 10 minutes as we sorted out what happened. Most of the cars drove off as the roll call continued, but by the time I left we were pretty sure everyone was accounted for. My new BFF, Deputy Poole, was a very nice guy and he thanked me repeatedly for calling it in. He said they’d always rather that folks call in something like that, and have it be a false alarm, than have someone not go home that night.

    So, I have a new friend. Heck, I think right now most of the sheriff’s dept is pretty pleased with me. Perhaps I interrupted their normal afternoon, but they were pleased I thought enough of them to call in a possible officer in distress. As he was leaving, I told Dept Poole to make sure to tell that guy, DON”T DRIVE AND TALK ON THE CELL PHONE!!!!!!!!!!!!!!!!!

  • In answer to your question –

    1. Corruption is not the issue as much as the odds being stacked against you. Its more an issue with the MLM model itself.

    2. If you google around, you will find some anti-mlm sites that have developed a 5 red flag test you can apply to your particular MLM. The rest depends on you – who you choose to believe.

  • My standard policy is that you can use my work as long as

    1) I’m given due credit, including contact info (I prefer hal@…), 2) that what I write, or part of what I write, is not taken out of context, and 3) That it is in NO WAY used to support an MLM.

    So if I read you correctly, that you are using it as an anti-MLM post/blog, that’s fine with me. I’m just greedy enough to want credit for it.

    I have a lot of other posts where I’ve taken apart or commented on various things in MLM and you’re welcome to use them if you feel like dredging through the archives.

    After thinking about it, I realize I also forgot the context. If they’re trying to put on a good show and have worn shoes or signs of wear on their suit or good clothes, then yes, that’s a sure give-away.
    I’m so rarely in such situations (and like to avoid them) that I tend to forget about such settings. Heck, I don’t think I even wore a tie to my Father’s funeral. (He knew how much I hated them!)

  • If you’re savy with that?

    It was primarily to talk about my thoughts on Amway, but lately, I’ve focussed my critical eye on TEAM.

    I wouldn’t want to do it without your permission though.

    I agree that someone’s shoes are NOT a good benchmark as to someone’s level of success. I know some folk who don’t have a pot to piss in or a window to throw it out of wearing designer custom shoes.

    I also know one millionaire in particular who wears consistently what some would refer to as $hit kickers.

  • My first goal is to get this karate school going

    we finally have the keys. We need to get it cleaned up, painted and everything we have been collecting will go there and get out of my house and storage—DH has taken over the house and I can’t find anything or do any productive cleaning.

    then, I want to do a good declutter of what is left in the house and clean. That will improve everyone’s health and decrease the stress levels.

  • Question of the day

    What change can you make right now that will improve your life next week? Next month? Next year?

    Actually had to mull this one over a bit. Don’t laugh, but I think it would be get the office and basement completely cleaned and organized. If those two were done I could pretty well go about my day to day activities unhindered by having to stop and look for stuff and be far more creative for our business.

  • On the subject of change

    A very wise man told me when I started using the internet all those years ago to NEVER forget that there is a real live human being on the other end and to be sure I didn’t say or do anything that I wouldn’t do if I were face to face with them.

    I’ve tried, not always succeeded since emails lose context – however, I’ve tried – and never put anything in writing that you don’t want to come right back at you!

  • Last year

    I bought a 20 year old mini-van and a 11 year old car for my son. We paid $1600 for each of them. The van hasn’t needed anything other than a brake job. The car needed some body-work and recently got a brake job too. We’ve put $3000 in the car total. The car does not have the original motor, so I don’t know how many miles it has on it, but the body has almost 190k and the van is just behind it at 187k. If I were in your shoes, I’d drive the van every mile that it has left in it because it’s going to be a $500 trade-in, no matter if it has 215k miles or 315k miles and on 4 bald tires and no clear coat and the windshield wipers don’t work.
    If you have $5k in savings, keep it and when the transmission goes (it will), you’ll be ready to have it rebuilt for $1500. Hopefully later than sooner. If you can add $50-100/month to this fund, when you’re debt-free or the van gives it’s final mile, you might not have to buy another beater to replace it.

  • I need to figure out how to pay for a car

    I have five kids, and one is graduating high school this year, and another a year later. One have two vehicles, one is a mini-van that has 215,000 miles on it, the other is a full size van that has 86,000 miles on it. Both are paid for. But the mini-van is showing its age.While I can handle doing maintenance, the costs are soon going to outweigh the benefits of keeping it, and I need to replace it, or at least get another on hand for when it gives out.

    We try to put all the miles on the mini van, and save the full size van for family outings and vacations to keep the miles low on it, and reduce out fuel bill a bit. So my daughter uses the mini-van for school and work, and since I work third shift I use it for work as well since it is opposite hours.

    She is working to save up for a car, and we are not sure what strategy we want to use to purchase one. I am counseling her that a loan can cost more money than it is worth. So I am thinking that she can save up and pay cash for a cheap car, then save up to pay cash for a nicer car later on. The challenge for her will be college costs. We are working on financing strategies for college from scholarship awards, to less expensive colleges, or even going to school on line.

    But the challenge is going to be for me to get a car to replace the mini-van. I don’t have the cash saved up to pay cash for one, and I really don’t want to stop, or reduce my snowball to get a car. I am wondering what some others have done to pay for a more reliable, less mileage car for everyday use. We don’t want luxury, but we don’t want a piece of crap that needs a lot of maintenance and is worn out either. I was thinking about maybe a higher mileage (but under 150,000 miles) Honda accord or Civic. I think the target price is in the $5,000-$10,000 range. So I am open to suggestions on how to do this. Maybe I will have to take a set back on my debt paydown?

  • If a home’s taxes are based on

    it’s value and not on whether it’s paid off this does not make sense. In Louisiana taxes are based on the home’s assessment (value). I am very pumped about getting the stinkin’ mortgage paid more than anything else. That will certainly make our shovel bigger to throw at retirement and a little bit of fun.

  • On the ARM is there a restriction on

    how often they could bump it or the percentage points they are allowed to increase? What would the costs be for the re-fi, were you going to be able to pay those costs up-front or fold it into the loan? Think when I started on this house it was something like 8.25 or 8.75, did refinance it but never got to the low, low rates that have been available, 6 was about the best I ever had. Paid for now and Jan is right, makes a major difference when you retire if you don’t have that payment.

  • We switched to a 15 year in 2014

    when rates dropped after 9/11 and are most thankful we did now. Not only did it at that time drop our interest by 3% and saved us a minimum of $110,000 by just doing that it also put us at being finished with the mortgage one way or another by the time dh is going to retire. Do you plan on working another 30 year? lets try www.essaydig.com – write my essay online service. I can tell you even with all we’ve put back in 401K, IRA and ha-ha social security if we had to make a house payment dh couldn’t retire.

  • My interest rate with the fixed 15-year would be 4%

    On a 30 year it would be almost 5%. So that’s another thing to think about. The benefit with Churchill that I might not get with others is they wouldn’t need to do an appraisal. Since I’m borderline underwater, the lack of an appraisal is a good thing. Although I think she mentioned it was through the HARP program, which might be available through another lender as well…

  • I will tell you what we have done

    We did a 30 fixed when we moved to our town about 14 years ago but ALWAYS paid extra, about 10% of the whole payment (principle, interest, escrow) got added every month. We treated that increased amount as our house payment. We refi-ed a couple of years in because interest rates had dropped so much and got a 15 year fixed for about the same amount as the original 30 year fixed. We continued paying extra, same format, as before.

    When we bought our current home in Sept. of 2011 we went with a 15 year fixed. We pay extra on this in the same manner.

    All this paying extra was already in place long before we started DR. We are in a different place than you. Find out what is available. Check rates other places. When we bought in ‘11 our “home” bank where we had had a mortgage for 11 years could not TOUCH what we got at another bank where we have part of our FFEF. It pays to check around.

  • I switched from a 30 year to a 15 year in 2008

    2023 still seems a long way off – hopefully the Farm and sheep will help me pay it off before then. In my case, my payment went up by $50 so I pay 750.00 but I got behind last year with my divorce shenanigans so I have to pay an additional $312 until August 1st. Its rough going, but I’ll get there. Then when I’ve paid off the CCs, I will use that money for the mortgage and hope to be able to make between 2 – 3 extra full payments a year. It IS nice to see the amount owed coming down nicely.

  • Possible refinance

    I’m on an ARM with a current interest rate of 3%. I spoke to a lady from Churchill Mortgage yesterday and I can get a 15-year fixed at about $1070. My current payment is $805. So that’s a big jump, comparatively. My other alternative would be to get a 30-year with a payment of about $740. The lady said that if I got the 30-year, I could always pay more. But I know the tendency is NOT to do that, so I’m leaning towards stretching to make the 15-year payment. Opinions, suggestions?

  • I used TaxAct online last year and I’m going with it again this year

    It’s as good as TurboTax and the basic version is free (this includes the ability to file electronically). The premium version is $13. I paid for it this year because it will pull last year’s data into this year’s filing. I don’t know anything about filing state income taxes because we don’t have that in Texas.

    Last year I used the two side-by-side and they came up with the same answers, but I found TaxAct to be slightly less tedious to use.
    TurboTax online is free, but to file electronically with it costs money, so once I was convinced that TaxAct had done its job, I used it to do the filing and kissed TurboTax goodbye.

    My one complaint is that it will import electronic W2’s from just one source, and that’s not what our employers use. So I had to type it all in (it’s not that much typing but I like to eliminate human error where I can).