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Watt Did You Say? Going Green and Gaining Green.

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In what has become almost an obsession with me I’ve been running around changing all the light bulbs in my house to reduce the electric bill. Currently we use 2800 kilowatt hours (kWh) of electricity each month and I really want to get that number down to save cost, but also because I’ve been glued to the television show “Living ... Read More »

    Chapter 11 Bankruptcy Irony – TVI Corp

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    In what struck me as a moment of irony, I read this morning about TVI Corporation, a Maryland based manufacturer of disaster shelters and other protective equipment, that has filed for Chapter 11 bankruptcy protection. It seems that while they manufacturer many types of disaster shelters, they didn’t have one to protect them from financial disaster. In an effort to ... Read More »

      Canadian Bankers Whining About Credit Card Interest Rates. They Must Think Canadians Are Idiots.

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      According to UPI, the Canadian Bankers Association defended credit card fees to a senate committee in Ottawa, saying consumers have a choice of 68 low-rate cards. I guess that’s like saying that Canadian consumer that don’t chose one of those 68 low rate cards are idiots. The senate’s Standing Committee on Banking, Trade and Commerce is having hearings on fees ... Read More »

        Video of Debt Collectors That Pose as Police to Scare People to Pay or They Go Directly to Jail

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        There are plenty of respectable and good debt collectors that run their business in compliance with local and federal laws. And then there are the collection companies that engage in abusive practices and behavior. For those of us that regularly work with people in debt it is hard to not become distrustful or develop a strong dislike for debt collectors ... Read More »

          Debit Cards Less Safe Than Credit Cards & Please Use Your Credit Card Online

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          Over the years I have been droning on and on about the differences between a debit card and a credit card regarding safety and why people need to be more afraid of using their card in a restaurant than online. Where does the waiter go with your card when you hand it to them? Debit cards and credit cards are ... Read More »

            100% Credit Card Interest Rates Charged in Mexico

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            Just when you thought the banks in the United States were really sticking it to consumers, least we forget what is happening in Mexico. I previously wrote about Wal-Mart de Mexico Plans 100,000 Credit Cards by Year-End — With Interest Rates of 59% to 75% Well apparently Mexico is now starting to draw some lines about the amount of interest ... Read More »

              Credit Card Review – Citi Platinum Select MasterCard Mailing

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              Today I’m going to review the Citibank Platinum Select Mailing that is going out. The front of the envelope looks like the image below. Front of Mailer Back of Mailer I have to give Citibank props for doing a good job on making the envelope direct and accurate. Much better than other offers I’ve seen. The claims on the front ... Read More »

                I Want You to Meet Who You Helped Today – Meyhi El Dien

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                It is important for you to meet who we helped today through this site. As I mention, all over the place, revenue from people clicking on ads and using the service of advertisers is used to help sponsor people in poverty through Kiva. Please visit or use the services of advertisers on the site so we can help more people. ... Read More »

                  I’ve Said It For Years, a Debit Card is Not as Safe to Use as a Credit Card

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                  The Consumerist site had a great story titled “Why Do Lenders Want You To Use Your Debit Card Like A Credit Card?” in which they brought up the issue again about the differences between a credit card and a debit card. Debit cards have invaded our lives and they are pushed like crack by our banks. The information the banks ... Read More »

                    Collection Agent Trying Not to Use Violence

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                    A recent article in the Christian Science Monitor just exemplifies how different consumer debt rules are around the world. In some areas debt collectors can intimidate you and in other parts of the world they can come to your home and office and shame you, grab you or break in. The article is about debt problems in India and my ... Read More »

                      I Want You to Meet Who You Helped Today – DANNY MARILU

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                      It is important for you to meet who we helped today through this site. As I mention, all over the place, revenue from people clicking on ads and using the service of advertisers is used to help sponsor people in poverty through Kiva. Please visit or use the services of advertisers on the site so we can help more people. ... Read More »

                        Debt Relief USA Ordered Out of Georgia and Must Pay Over Half a Million in Refunds and Fines

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                        Joe Doyle, Administrator of the Governor’s Office of Consumer Affairs (OCA), announced that the agency has entered into a settlement with Debt Relief USA, Inc., a debt adjustment company, over allegations that it violated Georgia’s Debt Adjustment Act. The company agreed to refund all fees it has received from its Georgia clients, a total of $527,205.55, reimburse OCA for administrative ... Read More »

                          You May be Down and Unemployed But You Are Still a Hero to Me.

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                          When I was growing up my Dad found himself unexpectedly unemployed. He went from being an executive to without work, through no fault of his own. I often think back about those days as I read the emails of people that write to me for help who are now unemployed and struggling. I asked my father to share with you ... Read More »

                            Negotiate With Your Doctor For Cheaper Medical Care

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                            I’ve noticed that doctors have been doing more negotiating on the cost of services. My daughter went to a local doctor that offered to knock 40% off the cost of the visit if she paid in advance for the office visit. The other day I noticed that the local urgent care place now offers up to 30% off for bills ... Read More »

                              Suzie Orman Agrees With Me On Minimum Payments

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                              Yesterday I was watching television and this short segment on Suzie Orman came on. I’m not a huge fan of Suzie Orman but that has to do with her presentation rather than her advice. For some reason, to me, she is like nails on a blackboard. But there I was, watching her short piece on CBS Sunday Morning and she ... Read More »

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