rants and raves about a little of everything. Movie and product reviews, money saving tips and general information that any web surfer should know about.
Thursday, October 21, 2010
Adventures of local wildlife
Who speaks Engish anymore?.......I do
My most recent nightmare regarding this issue was when I tried to call my cell phone companies customer service line. While on vacation, I received a text message from my provider stating that they will no longer be servicing our area. I tried calling as instructed and could not get an English speaking person. This was attempted three different times. None the less, I lost service on my phone. After talking to others in my rural area, they told me that all they did was have their zip code of primary use changed. That would have been cheaper than me buying a new phone.
Monday, October 4, 2010
Can we really go home?
The good part is, now that I am home and finished at the KOA, I can start my redecorating projects. The house is going to have a whole new look. I will let you know how it is coming.
Tuesday, August 31, 2010
New home buyers BEWARE….
No matter what the realtor says, insist on a full inspection and survey. Even if it cost a little more, do it. When I bought my first house 20 years ago, it was the standard. I would not have thought of it, but I had a good realtor that was looking out for my best interest. Just to let you know what can happen if you don’t, here is a horribly true story. My daughter bought a house 1 year ago. She was 20 yrs old with a 9 month old baby. She contacted the selling agent and the nightmare began. Jennifer is an intelligent girl, but unfamiliar with buying a home. I live across the country and guided her as much as possible, which was not enough. I assumed that there were laws and requirements that the realtor had to fallow. Anyways, a year later the board of health shows up at her door and states that all 11 houses in here area, including her’s, does not have a proper septic system and is draining raw sewage in the river behind their houses. They will probably be condemning the houses unless a pricey new system is put in. It was my understanding that the law required a functioning septic in order to purchase/sell a house. Not to mention the bank financing a home knowing that this was not checked. Even in the extremely rural part of Wyoming were they used to use old cars and anything they could find as septic tanks, has even passed strict regulations for septic systems. Why wouldn’t Indiana, especially along a river?
When it comes to the inspection, have it completely detailed and review it carefully before signing any papers. Do not be afraid of asking questions. Remember, it is your money and your family’s future. When Jennifer bought her house, the inspection was lame. The only things that were required to be completed by the mortgage company was to spackle and paint a crack in the ceiling, patch a spot on the roof. Also painting some door trim. Superficial items are irrelevant and a full inspection would have found the major damage in the roof. After part of the roof fell in two months ago, they found a lot of mold. Luckily the septic issue came about before the new roof went on because Jennifer is not in a financial position install a new septic. She will probably let the bank take the house back.
This is another issue. Jennifer has done very well regarding her credit and now she will probably have to file bankruptcy. Why would any bank finance a house without covering their own interests? Now they will have to pay for the repairs or take the house back. Even if Jennifer lets the house go, the bank would have to do these repairs in order to resell the property. This is going to be a long battle.
When it comes to a realtor, get your own. Do your research and get referrals from family and friend that have used a particular agent. By have a realtor of your own, they will look out for your best interest and not just the sellers. Jennifer and I trusted in the laws and ethics of realtors and used the seller’s agent. Dwanette Stokes of Premier, Inc only wanted to make a sale and collect her commission. I do not understand how any human being could do this to a younger single mother trying to better her family’s life. I have contacted the National Association of Realtors, Indiana Attorney General and the local news stations. Dwanette Stokes and First Choice Bank in Ft. Wayne have wrecked my daughter’s life and my goal is to make them pay for their unethical activities. I plan on causing enough commotion that something gets done.
Basically what it comes down to is, do your homework, ask question and do not assume anything. Take it from someone that has learned several lessons, you cannot trust even licensed professionals. If you have had similar problems or have other tips, please share them.
Monday, August 23, 2010
Blog promoter
Anti-mosque
I was scanning through various blogs last week and ran into one from a guy in Ohio. He was complaining about having to listen to this all the time and stated, "who cares?" All I have to say is, he must not be a real american. True americans are what made this country what it is today, whether it be good or bad. It is our responsibility to protect it the best we can. This means not allowing terrorist religions to take over. Considering that our president is not even a natural born citizen and his actions so far have sided with these sort of people, he will probably make sure that the Mosque is built. If he does, I'm sure that his days will be numbers.
Monday, August 16, 2010
Newbie
Thanks, Beth Ann
Friday, August 13, 2010
This really works. I have great success using this site.
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Monday, August 9, 2010
Spoiled brats
Right at this moment, I think I might strangle a dog. Do not get me wrong, I have dogs of my own and love them very much. Jason has a beagle he either let’s her take off and run deep into the hills (and my male dog follows) or I have to listen to her howl continually. I try to tell them that if a rancher catches them around their sheep or cattle, they will get shot. But I must speak an unknown language since no one every pays any attention to what I have to say.
And, I finally got my S10 fixed from Jason blowing the transmission 2yrs ago. My husband drives it since the gas mileage is better with the long distance he drives. The kids are always having car problems when they come to our house and a couple of times it has been suggested to let them take the S10. I told my husband that when it got fixed, he was taking it again. I just heard him say that he will have to take Beth’s truck. Ultimately, I have no real say in the matter. Jason has always considered everything ours, in and around the house, his also.
After being sick on Sunday, I just wanted for us to put in a movie and have some quiet, alone (sober) time. What do you think happened? Jim sat on the front porch with the kids and got drunk, and I laid on the couch alone watching TV. This morning he wondered why I was crying and now he is pissed because he knows that I am upset. Well, that is not my fault. He could tell Jason that they do not need to come up all the time, especially since they do not have reliable transportation. Oh wait, Jason does, but he won’t drive it because it cost too much gas.
Friday, August 6, 2010
Recycle
Reusing glass jars is one thing I do a lot. They are used for everything from keeping old cooking grease to starting seeds. Cooking oil is a great fire starter. I use it when starting fires in my burn barrels or burning brush. If you choose to start seeds in a glass jar, be sure to transplant them before they get to root bound. I have had to break the jars in order to transplant them. Jars are also useful for sorting various notions, nail, screws and etc.
There are a lot of things that I do to save money without thinking. I am going to start being more conscious of them and will writing about them regularly.
Wednesday, August 4, 2010
Free stuff
Another site that is legitimate is Rewardport.com. They send you emails that offer points for doing surveys, reading offers and links to samples. Even if you choose not to participate in the offers, you receive points just for clicking on the link. These points can be used to purchase gift cards to hundreds of popular places.
Sunday, August 1, 2010
A mosque at ground zero?
Wednesday, July 28, 2010
Money making website scams
There are other sites that want money to tell you how to set up a website or blog. Google does this for free. In the past I have purchased a Blog tool kit that was supposed to tell a person exactly how to set up a blog and make money. The kit only gave ideas for topics and various suggestions and techniques. If you want to set up a blog, Google has everything needed on their website at no cost.
One thing to remember is the saying, “if it sounds too good to be true, then it probably is.”
Tuesday, July 27, 2010
Continuing Education
They use these ads saying return to school for free and then get people that are already struggling into worse financial condition. Some of the ads are not for specific schools, so it makes me wonder if the government is behind some of this.