I have used a discontinued hairspray for years. In fact, through my travels, every time I come across a stash at a salon or beauty store I buy all the stock and take it home where I hoard it under my bathroom sink. (The store stashes usually consist of 3-4 old bottles)
Since meeting my husband and having him move in with me (two years ago this month!) my stash of hairspray has dwindled significantly. Why? It turns out that he likes my hairspray too! He has significantly less hair than I have though, so why is my hairspray supply dwindling so rapidly?
Well, he uses a lot of it! It's surprising, the amount of hairspray he uses! Since we've been together, we've gone on eBay three times now in search of the discontinued hairspray. Luckily there is still some out there but one day there won't be any. Then we'll be forced to buy something that works half as well.
Until then I'm going to continue adding to my stash. I just bought three more bottles today.
What hairsprays do you all like out there?
Friday, November 5, 2010
Sunday, April 4, 2010
Bookseller
I am a big fan of books. Books are almost impossible for me to resist - I can't go anywhere without one. Due to economic reasons, I recently started frequenting the library a lot more (free is free) so my book buying habit has taken a hit. Which is fine.
I have a ridiculous amount of books sitting around my house that are just taking up space so I made the decision to start selling my unwanted books on Ebay. It was remarkably easy setting myself up as a seller and my first book sold in a few hours. Amazing! I already had a Paypal account so I was pretty much ready to go. When you put something up for sale, Ebay charges a small fee, and then pretty much all you have to do after that is mail your item to the winner of your auction.
I don't know why I didn't think to do this before. There are lots of cheap bibliophiles out there who have learned as I have that a little bit of patience pays off in the end. I literally have books in my home that I haven't even read that I should get rid of. It's better than a garage sale - this way you don't have to talk to anyone! Ha.
I am thinking about all the books I have down in my parents' basement that I might be able to unload. Even if it's just for a small amount of money. To think of all the cash I have wasted over the years buying books that I've only read once and then discarded...Who knows, perhaps I can fund my electronics habit now! This is an interesting endeavor for sure.
I have a ridiculous amount of books sitting around my house that are just taking up space so I made the decision to start selling my unwanted books on Ebay. It was remarkably easy setting myself up as a seller and my first book sold in a few hours. Amazing! I already had a Paypal account so I was pretty much ready to go. When you put something up for sale, Ebay charges a small fee, and then pretty much all you have to do after that is mail your item to the winner of your auction.
I don't know why I didn't think to do this before. There are lots of cheap bibliophiles out there who have learned as I have that a little bit of patience pays off in the end. I literally have books in my home that I haven't even read that I should get rid of. It's better than a garage sale - this way you don't have to talk to anyone! Ha.
I am thinking about all the books I have down in my parents' basement that I might be able to unload. Even if it's just for a small amount of money. To think of all the cash I have wasted over the years buying books that I've only read once and then discarded...Who knows, perhaps I can fund my electronics habit now! This is an interesting endeavor for sure.
Sunday, March 14, 2010
Defriended
I had to defriend someone on Facebook yesterday. I had been thinking about it for awhile, because it was increasingly apparent that this person and my political beliefs were divergent. I don't hide that I am a liberal. I couldn't wait for George W. Bush to get out of office. But I never wrote or said anywhere that I wished his parents had aborted him, which is what the person that I just defriended on Facebook wrote about Obama.
I found this person's assertion that they were a right-wing, pro-life Christian to be distinctly at odds with their professed wishes. And abruptly my decision was made. I defriended as soon as I got home and don't feel any guilt about it at all.
Today I was reading an article by local columnist Connie Shultz. She wrote about a long-married couple who had recieved over the years a number of political emails from their friends and family that they didn't agree with. This couple liked their friends and understood that they didn't necessarily have to agree with everyone's political beliefs to continue liking them so they deleted. That is, until the day they recieved a vitriolic letter forwarded from their best friends claiming that Obama was scary because the original letter writer knew nothing about him, from where he got the money to put himself through an Ivy League law school to how he supported his upscale lifestyle. The letter went on to say that Obama was barely an American.
The couple were taken aback by this brutal letter and stewed about it for days before finally asking their buddies to not email them stuff like that anymore. The other couple wouldn't talk to them for months before they finally admitted that their feelings had been hurt. But how did they think their friends felt?!
Shultz suggested in her column that should anyone ever recieve an email from a friend who they continued to want to be friends with despite a schism in political ideology that they should email a link to her article http://www.cleveland.com/schultz/index.ssf/2010/03/handling_those_partisan_hate_e.html, which ends with
"Hey.
That awful e-mail you sent?
Please don't do that again.
Hopefully yours,
A fellow American."
However, if you don't want to be friends with them ever again, go ahead and defriend those assholes on Facebook. I won't judge you.
I found this person's assertion that they were a right-wing, pro-life Christian to be distinctly at odds with their professed wishes. And abruptly my decision was made. I defriended as soon as I got home and don't feel any guilt about it at all.
Today I was reading an article by local columnist Connie Shultz. She wrote about a long-married couple who had recieved over the years a number of political emails from their friends and family that they didn't agree with. This couple liked their friends and understood that they didn't necessarily have to agree with everyone's political beliefs to continue liking them so they deleted. That is, until the day they recieved a vitriolic letter forwarded from their best friends claiming that Obama was scary because the original letter writer knew nothing about him, from where he got the money to put himself through an Ivy League law school to how he supported his upscale lifestyle. The letter went on to say that Obama was barely an American.
The couple were taken aback by this brutal letter and stewed about it for days before finally asking their buddies to not email them stuff like that anymore. The other couple wouldn't talk to them for months before they finally admitted that their feelings had been hurt. But how did they think their friends felt?!
Shultz suggested in her column that should anyone ever recieve an email from a friend who they continued to want to be friends with despite a schism in political ideology that they should email a link to her article http://www.cleveland.com/schultz/index.ssf/2010/03/handling_those_partisan_hate_e.html, which ends with
"Hey.
That awful e-mail you sent?
Please don't do that again.
Hopefully yours,
A fellow American."
However, if you don't want to be friends with them ever again, go ahead and defriend those assholes on Facebook. I won't judge you.
Thursday, January 21, 2010
Marriage and Children
A friend of mine wrote a blog post the other day about being married and childless and how it really irks her that people just assume she wants to have children 'someday.' She doesn't and guess what, lots of other married people don't either.
It started me thinking about my own situation, in which I am helping to raise two kids, part-time, but I like to think I have some influence on my two charges.
My stepdaughter is anxious for me and my boyfriend to get married. She knows that if we take that step, she goes on my flight pass and can start flying with us. She already has a list of places she wants to see, starting with New York City. Of course, she has wondered in the past whether me and her father will have kids of our own, and added to her musings that she can't see the point of getting married if you aren't going to have any kids.
I think this is a pretty interesting conclusion for an almost eleven year old to reach! :) I guess I can kind of see her point, too, but there are other reasons to be married, and for me it's my bone deep belief that if you are with someone and want to be with that person, you marry him! Of course, not everyone feels this way, and I don't judge, but this is how I personally feel about it.
I think that if I had met my boyfriend when I was younger, children would have been something to consider. I've never been adamant about having kids, it was just sort of something I assumed would happen when I met the right person, but I am older now, and I have a job that isn't conducive (at least for me) to having children. Of course it comes with all the flexibility in the world but the less I work, the less financial security I have, so I choose to work more.
And I like my house, and I like independence, and I like...well, I like things! I like my car, and the fact that if I have to fix my car I can fix it. Or if we want to take a vacation to Hawaii, we can do it. A baby, a kid, would put a serious crimp in my ability to just go.
So, is this selfish? Probably, a little. But it's responsible too! Why? Because I know that my job might not make me the best mother or seriously compromise other things in my life that I believe are important. Don't get me wrong, there are plenty of people out there who do the same job I do and make their families work. I just don't think I'm the sort of person who can juggle a baby with my job.
Deep down, I think I would have liked to have had my own child. I see my nephew and something in me sort of melts. I'm the relative who won't put the baby down. I know my parents would love more grandchildren, even though they already consider my boyfriend's children their grandkids. It makes me wonder what sort of mother I really would have been. But then I remind myself, I already am a parent, even if it is only for five or six days a month.
There is a big difference between full time parenting and part-time stepmomhood, obviously, but regardless I really try to do the best I can. My boyfriend and I try to give my stepkids a comfy home with good food, rules and boundaries, outlets to have fun, family time, a safe haven.
Just because we don't necessarily want to have children of our own does not put marriage off the table though. Marriage is not just about procreating, it's about creating a family and a home. And a family is not just parents and children. My boyfriend is a part of my family, and I consider his extended family part of my family. Marriage is about creating a life together, OUR life together.
It started me thinking about my own situation, in which I am helping to raise two kids, part-time, but I like to think I have some influence on my two charges.
My stepdaughter is anxious for me and my boyfriend to get married. She knows that if we take that step, she goes on my flight pass and can start flying with us. She already has a list of places she wants to see, starting with New York City. Of course, she has wondered in the past whether me and her father will have kids of our own, and added to her musings that she can't see the point of getting married if you aren't going to have any kids.
I think this is a pretty interesting conclusion for an almost eleven year old to reach! :) I guess I can kind of see her point, too, but there are other reasons to be married, and for me it's my bone deep belief that if you are with someone and want to be with that person, you marry him! Of course, not everyone feels this way, and I don't judge, but this is how I personally feel about it.
I think that if I had met my boyfriend when I was younger, children would have been something to consider. I've never been adamant about having kids, it was just sort of something I assumed would happen when I met the right person, but I am older now, and I have a job that isn't conducive (at least for me) to having children. Of course it comes with all the flexibility in the world but the less I work, the less financial security I have, so I choose to work more.
And I like my house, and I like independence, and I like...well, I like things! I like my car, and the fact that if I have to fix my car I can fix it. Or if we want to take a vacation to Hawaii, we can do it. A baby, a kid, would put a serious crimp in my ability to just go.
So, is this selfish? Probably, a little. But it's responsible too! Why? Because I know that my job might not make me the best mother or seriously compromise other things in my life that I believe are important. Don't get me wrong, there are plenty of people out there who do the same job I do and make their families work. I just don't think I'm the sort of person who can juggle a baby with my job.
Deep down, I think I would have liked to have had my own child. I see my nephew and something in me sort of melts. I'm the relative who won't put the baby down. I know my parents would love more grandchildren, even though they already consider my boyfriend's children their grandkids. It makes me wonder what sort of mother I really would have been. But then I remind myself, I already am a parent, even if it is only for five or six days a month.
There is a big difference between full time parenting and part-time stepmomhood, obviously, but regardless I really try to do the best I can. My boyfriend and I try to give my stepkids a comfy home with good food, rules and boundaries, outlets to have fun, family time, a safe haven.
Just because we don't necessarily want to have children of our own does not put marriage off the table though. Marriage is not just about procreating, it's about creating a family and a home. And a family is not just parents and children. My boyfriend is a part of my family, and I consider his extended family part of my family. Marriage is about creating a life together, OUR life together.
Saturday, January 16, 2010
Registration Fee
My local newspaper had a blurb today about the new late fee that Ohio is charging people when they renew their registration more than a week past the due date - which, btw, is your birthday, so make sure you register on time or it will cost you $20.
The late fee isn't actually new anymore; it was implemented in October, a few weeks before my own birthday. Some of you may recall my outrage at being charged $20 for what I had always thought (and many many other people thought) was a due MONTH or at least grace period for registration renewal.
The woman at the BMV claimed there had been advertising and press releases regarding the new fee, but I sure as heck don't recall seeing or hearing anything about it. Also, when my renewal notice came in the mail, there was some wording about a late charge being assessed to SOME vehicles but not specifically which vehicles were being included. Why didn't the renewal notice say something like "All private passenger vehicles will be assessed a late charge of $20 if they are not renewed on time?
Further, how fair is it that only people in the last quarter of 2009 were assessed this charge? NOT VERY, I can tell you!
Long story short, make sure you renew your vehicle early this year.
The late fee isn't actually new anymore; it was implemented in October, a few weeks before my own birthday. Some of you may recall my outrage at being charged $20 for what I had always thought (and many many other people thought) was a due MONTH or at least grace period for registration renewal.
The woman at the BMV claimed there had been advertising and press releases regarding the new fee, but I sure as heck don't recall seeing or hearing anything about it. Also, when my renewal notice came in the mail, there was some wording about a late charge being assessed to SOME vehicles but not specifically which vehicles were being included. Why didn't the renewal notice say something like "All private passenger vehicles will be assessed a late charge of $20 if they are not renewed on time?
Further, how fair is it that only people in the last quarter of 2009 were assessed this charge? NOT VERY, I can tell you!
Long story short, make sure you renew your vehicle early this year.
Thursday, January 14, 2010
Monday, January 11, 2010
This is Ellll Aaaaay
I fully understand why people drive convertibles in L.A.
Winter has been a little brutal the past few weeks. Freezing temperatures, snowstorms, dry skin, and a particularly nasty cold have left me a little over it. Throw in power outages and holiday commuting and life has taken a stressful turn. Lets just say I was pretty lucky to have scored the trip that I'm on.
I am in Hollywood. There is actually a view of the Hollywood sign from my hotel. I grew up detesting California for some reason but as an adult, its seriously paradise. San Fran all the way down to San Diego. From the lush foliage to the mountainous terrain, the gorgeous seascapes and soaring architecture, the romantic fog and the gentle heat of the sun, no wonder people love it here so much.
I went on a Hollywood Homes tour today. We saw Dr. Phil's house, the Spelling Mansion, the entrance to the Playboy Mansion, Bella Lugosi's old house complete with gargoyles. We sat in an open air cargo van, getting windblown and sunswept, as our tour guide drove us down the Sunset Strip, past and thru Beverly Hllls and Bel Air, up the Outpost.
My hotel is near Mann's Chinese Theatre and there are workers busy setting up for the premiere of The Book of Eli. Its so busy around here.
I went and used the gym at the hotel today. I didnt do my usual intense workout (hello, sick for the past week) but its partly because of all the toned people who were in there, making me feel a teensy bit out of place - okay it was actually alot because they all were size 0s with nonexistant asses! WTF! I have a midwest butt, I guess!
Anyway, it was a great day, beautiful weather, and I love my job. :)
Winter has been a little brutal the past few weeks. Freezing temperatures, snowstorms, dry skin, and a particularly nasty cold have left me a little over it. Throw in power outages and holiday commuting and life has taken a stressful turn. Lets just say I was pretty lucky to have scored the trip that I'm on.
I am in Hollywood. There is actually a view of the Hollywood sign from my hotel. I grew up detesting California for some reason but as an adult, its seriously paradise. San Fran all the way down to San Diego. From the lush foliage to the mountainous terrain, the gorgeous seascapes and soaring architecture, the romantic fog and the gentle heat of the sun, no wonder people love it here so much.
I went on a Hollywood Homes tour today. We saw Dr. Phil's house, the Spelling Mansion, the entrance to the Playboy Mansion, Bella Lugosi's old house complete with gargoyles. We sat in an open air cargo van, getting windblown and sunswept, as our tour guide drove us down the Sunset Strip, past and thru Beverly Hllls and Bel Air, up the Outpost.
My hotel is near Mann's Chinese Theatre and there are workers busy setting up for the premiere of The Book of Eli. Its so busy around here.
I went and used the gym at the hotel today. I didnt do my usual intense workout (hello, sick for the past week) but its partly because of all the toned people who were in there, making me feel a teensy bit out of place - okay it was actually alot because they all were size 0s with nonexistant asses! WTF! I have a midwest butt, I guess!
Anyway, it was a great day, beautiful weather, and I love my job. :)
Saturday, January 9, 2010
Sick of Being Sick
Yep. Still sick. This headcold SUCKS! I went to work on Monday, I had a great trip, productive hours, yadda yadda yadda, but when I got to work I couldn't really hear out of my left ear. I went to the clinic in Newark, hoping to score some good drugs (that sounds so naughty but you know I really just wanted some painkillers and decongestants) and when the nurse checked my ears she found some blood. In my ear.
YIKES!
So I got pulled off my trip and I wasn't allowed to fly. BOO!! Honestly, I was feeling pretty crappy, and breathing wasn't coming so easy so I stayed overnight in Newark and then drove home. It wasn't a bad 7 1/2 hr drive, I had a Nissan Rogue rental and was pretty happy with it (in my neverending search for a new car, I'm always taking notes - incidentally I'm liking the new Honda Crosstour and I see that Hyundai's 2010 Tuscons are now available). I found a nice coupon code online too.
So I've been kind of housebound for the past three days or so, not really wanting to venture out into the cold, waking up from naps to blow my nose. I don't want to get too graphic but the phlegm production has been prodigious and colorful. I went to the doctor yesterday though and she cleared me to go back to work.
Oh and I paid off my flatscreen tv. I know, big week, right? Have a good weekend!
YIKES!
So I got pulled off my trip and I wasn't allowed to fly. BOO!! Honestly, I was feeling pretty crappy, and breathing wasn't coming so easy so I stayed overnight in Newark and then drove home. It wasn't a bad 7 1/2 hr drive, I had a Nissan Rogue rental and was pretty happy with it (in my neverending search for a new car, I'm always taking notes - incidentally I'm liking the new Honda Crosstour and I see that Hyundai's 2010 Tuscons are now available). I found a nice coupon code online too.
So I've been kind of housebound for the past three days or so, not really wanting to venture out into the cold, waking up from naps to blow my nose. I don't want to get too graphic but the phlegm production has been prodigious and colorful. I went to the doctor yesterday though and she cleared me to go back to work.
Oh and I paid off my flatscreen tv. I know, big week, right? Have a good weekend!
Wednesday, January 6, 2010
MLM's
I follow more than a few blogs. Many are friends of mine and it's a nice way to peak into their lives. There are a few bulletin boards I follow too, most are trade related and specific to my life and career. Then there are the blogs I read related to Amway.
I've found most of them to be very critical. Over the past year a couple I know got involved with it and I couldn't help but be curious because when I was a kid in the 80's all I heard about it was that it was a pyramid scheme/scam and the adults talking about it would snigger and roll their eyes.
So I started researching. There is a lot of information out there, about Amway and other MLM's like Mona Vie and even Mary Kay and Avon. There are a whole lot of extremely negative things being said about these businesses, mostly about tool scams (tools are DVD's and books that your upline want you to buy to learn how to market your business, but a lot of this stuff is motivational crap that only makes money for the diamonds at the top who are selling the DVDs - their usefulness is peripheral at best and cuts significantly into the IBO's bottom line at worst) or forced purchase of inventory that never get sold. I looked and looked for blogs that appeared to be independent of company propaganda for positive spin and could never find any.
Finally, I've come across one Amway blog about a twenty-something who has just become an IBO and she is writing a play by play of her experience. She is getting weary, however, of the former IBO's who are posting advice in the comments section. I am interested to see where her Amway journey takes her, as I have a feeling it won't be a great experience. I really want to ask her if she has another job or if she is depending on her Amway sales and recruiting to support her.
I know of another woman who quit her fulltime job to sell Mary Kay products. She wound up almost getting evicted from her home and had to find another job several hours away from where she lives. I just found an article about how Mary Kay scams half a million women a year out of small chunks of money to start their own MK business by buying inventory that they can never resell. I personally don't use Mary Kay products, but I've tried them in the past and have been unimpressed with their quality.
I think alot of the time people who become involved with MLM's forget that the reason why they joined was to make money. When they fail to make significant headway with that they rationalize their continued membership by recognizing all the wonderful friends they've made and how their affiliation has given them a new, more positive outlook on life (even though they've almost been evicted and foodbanks stop by every so often to deliver food).
From my research, I have discerned that only about 2% (yes I actually did some math, Mona Vie actually publishes sales figures from their IBO's and I did some number crunching - too much time on my hands? I think so! ) actually make a liveable wage off of their work. The product that they sell is some sort of acai berry juice that comes in a corked wine bottle type thing that ostensibly (I love this word) boosts your immune system with all the antioxidants, helps with arthritis along with many other wild medical claims that are incidentally not medically documented by any professional medical association, if only you buy four bottles of it a month! The bottles themselves are about $30 each. Their IBO's get a discount and are expected to buy a certain amount every month for their own consumption and are also given bonuses based on how much their downline sell. Only about 2% make $45 - 50k/year. Apparently, eating an apple a day is a healthier and cheaper option.
Of course, the question I always wonder, is what is each IBO's personal goal? A little extra pocket money? Are you trying to run a whole household on your earnings? Do you really think you are going to be rich in five years when it's clear that only a very tiny minority are ever actually successful? From what I can tell with the Amway business is that the American market is saturated. The company itself clearly makes money but the sales are being generated in emerging markets like India.
There are all kinds of schemes out there designed to relieve you of your hard earned money. Be careful what you throw it away on.
I've found most of them to be very critical. Over the past year a couple I know got involved with it and I couldn't help but be curious because when I was a kid in the 80's all I heard about it was that it was a pyramid scheme/scam and the adults talking about it would snigger and roll their eyes.
So I started researching. There is a lot of information out there, about Amway and other MLM's like Mona Vie and even Mary Kay and Avon. There are a whole lot of extremely negative things being said about these businesses, mostly about tool scams (tools are DVD's and books that your upline want you to buy to learn how to market your business, but a lot of this stuff is motivational crap that only makes money for the diamonds at the top who are selling the DVDs - their usefulness is peripheral at best and cuts significantly into the IBO's bottom line at worst) or forced purchase of inventory that never get sold. I looked and looked for blogs that appeared to be independent of company propaganda for positive spin and could never find any.
Finally, I've come across one Amway blog about a twenty-something who has just become an IBO and she is writing a play by play of her experience. She is getting weary, however, of the former IBO's who are posting advice in the comments section. I am interested to see where her Amway journey takes her, as I have a feeling it won't be a great experience. I really want to ask her if she has another job or if she is depending on her Amway sales and recruiting to support her.
I know of another woman who quit her fulltime job to sell Mary Kay products. She wound up almost getting evicted from her home and had to find another job several hours away from where she lives. I just found an article about how Mary Kay scams half a million women a year out of small chunks of money to start their own MK business by buying inventory that they can never resell. I personally don't use Mary Kay products, but I've tried them in the past and have been unimpressed with their quality.
I think alot of the time people who become involved with MLM's forget that the reason why they joined was to make money. When they fail to make significant headway with that they rationalize their continued membership by recognizing all the wonderful friends they've made and how their affiliation has given them a new, more positive outlook on life (even though they've almost been evicted and foodbanks stop by every so often to deliver food).
From my research, I have discerned that only about 2% (yes I actually did some math, Mona Vie actually publishes sales figures from their IBO's and I did some number crunching - too much time on my hands? I think so! ) actually make a liveable wage off of their work. The product that they sell is some sort of acai berry juice that comes in a corked wine bottle type thing that ostensibly (I love this word) boosts your immune system with all the antioxidants, helps with arthritis along with many other wild medical claims that are incidentally not medically documented by any professional medical association, if only you buy four bottles of it a month! The bottles themselves are about $30 each. Their IBO's get a discount and are expected to buy a certain amount every month for their own consumption and are also given bonuses based on how much their downline sell. Only about 2% make $45 - 50k/year. Apparently, eating an apple a day is a healthier and cheaper option.
Of course, the question I always wonder, is what is each IBO's personal goal? A little extra pocket money? Are you trying to run a whole household on your earnings? Do you really think you are going to be rich in five years when it's clear that only a very tiny minority are ever actually successful? From what I can tell with the Amway business is that the American market is saturated. The company itself clearly makes money but the sales are being generated in emerging markets like India.
There are all kinds of schemes out there designed to relieve you of your hard earned money. Be careful what you throw it away on.
Sunday, January 3, 2010
Too Good to be True? Probably
The other day I came home to some interesting mail. It was a single page informing me that I was somehow entitled to a mortgage reduction of $48,000 per some government intervention and I should check out http://www.mmaoption.com/ for more information. The letter even provided me with my own pin number to convey a certain governmental officiality.
So, me being me, I hopped online. I admit, I was curious. Skeptical, but curious. I typed in the web address and was auto-redirected to a different website, http://www.ufirstfinancial.com/. It's not a name that rings any bells. I scanned the website for some useful information but didn't really find any other than apparently this company offers some sort of program that allows me to manipulate my debt by something called strategic interest cancellation. Oh, and it wanted my name and address so it could send me stuff. Um, HELLO? You already sent me stuff. Clearly you already know where I live. Of course, the government is not involved in this, either.
There was also a video about how this debt manipulation thing, called a money merge account, works. It turns out that for a nominal fee (of about $3500) they will send you some software that will look over your finances and then add all the money that you have leftover every month and put it toward your mortgage so you can pay it off early.
Well, I don't want to pay my mortgage off early, and I don't need your stinky expensive software to do it, either, if I wanted to.
I love my shredder. That's exactly where this note went.
So, me being me, I hopped online. I admit, I was curious. Skeptical, but curious. I typed in the web address and was auto-redirected to a different website, http://www.ufirstfinancial.com/. It's not a name that rings any bells. I scanned the website for some useful information but didn't really find any other than apparently this company offers some sort of program that allows me to manipulate my debt by something called strategic interest cancellation. Oh, and it wanted my name and address so it could send me stuff. Um, HELLO? You already sent me stuff. Clearly you already know where I live. Of course, the government is not involved in this, either.
There was also a video about how this debt manipulation thing, called a money merge account, works. It turns out that for a nominal fee (of about $3500) they will send you some software that will look over your finances and then add all the money that you have leftover every month and put it toward your mortgage so you can pay it off early.
Well, I don't want to pay my mortgage off early, and I don't need your stinky expensive software to do it, either, if I wanted to.
I love my shredder. That's exactly where this note went.
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