Tuesday, December 23, 2014


  Being elderly, I constantly am getting calls from scammers many are from the same ones, but the other day I got the new scam on the elderly. 

  I was called from a man who said he was with Medicare, Blue Cross Blue Shield, and United Health. Of course as soon as he said that I told him I did not need any health insurance. Strangely, he answered back that he was not selling health insurance he was getting information for Medicare. I told him I thought that really strange because the other insurance companies were separate from Medicare so how could he be working for the others too. He assured me he was with Medicare and gave me a license number which I really figured was fake, but I thought I would let him talk so I would have something for my blog.

  He asked me if I was a diabetic, I answered no, he asked if I had back or knee pain, I said no. All my answers were no because I was hoping he would get to the point. Then he asked for the number on my Medicare card. I told him he did not need that number, he said he did because Medicare was redoing all cards. I told him he was crazy because Medicare would not be calling for a number. They expect you to call them if you need a new card. I also went on to say that many elderly are being scammed by people like him who want information about them to steal their IDs. So they tell all kinds of lies to get the information, that is when he hung up on me.

  Please those of you who are elderly and on Medicare, do not believe every thing you are told on the phone because you will easily be scammed. You know how important the number is on your Medicare card. Do you really think Medicare will be calling you and asking you for that number, they know what your number is. They call to verify your address to mail that card to you not asking information to put on that card that they have. So please remember not to give anything important over the phone or you are going to be the elderly who was scammed.

Monday, November 17, 2014


  I don't usually write another blog the next day, but today has been really very unusual because phone scams on a rampage. Starting the day off, I got three calls practically on top of each other and  they were all from scammers. So I thought I should give you an alert because I think since it is almost Christmas, the scammers are wanting money. 

  Being elderly doesn't really help me because that is who they like to prey on most, we are the most gullible. The first call I got today was a woman saying the government was giving me $9000. She went on to say I was chosen because I had stayed out of debt, hadn't filed bankruptcy so I was picked. She asked me if I would like to have my money put in my bank account. That was out, because I would never give anyone my bank account number over the phone and I hope none of you will. 

  Then she asked me if I would like to have it wired. I said to her how much was she going to charge me to get the money and that was when she hung up. I guess she realized I didn't believe what she was saying and that she was just trying to either get money from me or information. 

  The next call was another lady who said that I was chose to test products and for testing them I would receive a $100 visa card and a $50 dining card. She asked me if I wanted to test the products, I said okay. I was transferred to someone else, who wanted my name and address, so they could ship the cards and the test products. Although what was really strange they asked if I wanted to test today I said yes, but they then turned around and said I had to wait for the products, that was when I really began to realize they were scamming.

  Next they told me that they needed a $1.95 to pay for the shipping, and that was when I knew what they really were wanting, the money and a credit card number. It may not sound like a lot but if you give them your bank account or credit card they can get more and also a $1.95 builds up when you call over 60 or people an hour. So I just hung up.

  The last call I had was from a man which was a recording telling me that I was in trouble with the IRS and I had better call him or have my lawyer call him, because I was going to have to pay a large amount of money. That call I knew was a scam because I have had them before. I just called back, left a message, telling him that he needed to watch what he was doing, because I knew that the IRS does not make calls, they send out notices, telling you exactly what you have done and that you have time to prove whether you did or did not do it. While I was at it I reported him to titga.gov because I did have his number.

  Now what was really strange, all of these people spoke with an accent, what the accent was I have no idea, but they sure had American names for such an accent. The day isn't even half over so who knows how many more I will get. It is important that you do not give any of your information over the phone no matter how good it sounds. In fact the better it sounds the bigger the scam. 

 Remember if you are an older person you can pretty much count on people calling you and scamming you so it is best to hang up then talk to the people. I do it just to get information for my blogs to help all of you.                                                                                                                                                                                          

Saturday, November 15, 2014


 Are being billed correctly? I wrote about phone bills not being correct but I have now found that they are not the only ones who are not billing correctly, so it is important that you look over your bill very well to check for mistakes. It doesn't matter what the bill is, because I guarantee, no company is free from making mistakes.

  Sometimes I wonder if they do it on purpose because they know that most of us don't know what our Sales Taxes are and never really look our bills closely.

  I became very irritable with Cox cable because my bills were way off and I was also having trouble with my TV. My first bill was $276. I thought that was high so I began to scan the bill. Right away I found they had overcharged me for installation and also I had not received credit from not finishing out the full month with my Internet and since I was going into a bundle my charges were going to be different. There were other problems and by the time we were done my bill was only $218, which seemed to more the right amount.

 I never received the next months bill, but I was charged $68. I couldn't figure out why I was charge that amount when my monthly amount was to be $128. I thought I would wait and see what the next month bill would say.

  When I got the next month bill it said $222. Here again I could not see why it was so high, I knew I had a fee of $128 and since they only charge me $68 I figured I owed them an extra $60 plus $24 for adding on a sport package that should have made it $212. I tried to figure out the bill it was impossible, they had charge me again $60 for complete home installation which I didn't have although they gave me two $68 credits, it still didn't work out so I called them again.

  Not only did I complain of the billing problems but also of the TV problems I was having. They told me I would have to have a technician out to see what the problem was because they were not able to fix it on the phone. By this time my anger took over and I told them I would just change TV providers.

   As you see companies are not paying attention to their bills and that is why you need to make sure you are being billed correctly, everything must match up as it should. Otherwise, you are throwing away your money and making companies a little richer. 

Friday, October 31, 2014


    Whenever you get your telephone bills do you ever look at your charges. I know I do. When I was with Centurytel, now known as Centurylink, I fought them constantly about my phone bill and it usually was about the sales tax. The sales tax was never right. Sometimes they were way off by 2 or 3 dollars which is down right ridicules. You could see a few cents but not dollars. 

  I would ask them how they figured it because I had a business and I knew exactly how it was done and exactly what our sales tax percentage was. Well, one lady tried to tell me that the State told them what the amount was and what they had to put down. I told her no the State didn't, they give you a chart to follow and show you exactly how much for state, county and city. Although, she kept insisting that the State told them what to do. I just flat told her, the state would not sit on the phone all day telling you what each person was, you don't have the time nor do they.

  I finally got mad and went to Verizon land line box, at least their taxes and government charges were in reason, but they were still off. I paid $19.95 for service at 9.75% for sales tax that should be only $1.95 it isn't it is over $2 and the rest is government charges which is $3. Now here is the catch, on my Tmobile phone I pay $4.04 for sales tax and $4.50 for government charges on a $40 plan. Why am I paying just a $1.50 more on government charges for double the cost of my plan. It doesn't make sense. Oh I also called the State to see if they actually told Centurytel the amount to charge and they told me no.

  I was going to get AT&T cell phone and services but when I got my first bill, I couldn't believe my sales taxes and government charges on a $45 plan. The sales tax was $5.36 and the government charges was almost $7. That was when I decided I would go back to Tmobile even though they were wrong, they were not as wrong as AT&T. 

  I called AT&T and asked them about the sales tax. Why was it so high? She told me it was right. I told her to look it up on the computer and find out what my rate was, she did. I then had her to figure out how much it should be, she did. Then she agreed it was wrong. I told her that I thought that all phone companies estimate their sales tax because so far I have not found one with the right sales tax. I also told her that AT&T was the highest and had the highest government charge. All phones should be consistent. I was not going to stay with them.

 Another thing I found out when I talked to each one of those phone reps they did not know their own state sales tax percentage. I have a feeling that very few people truly know what percentage they are paying in sales tax. Here in Arkansas we are one of the highest in the United States and we are paying close to 10%, we are also one of the lowest paid wages in this country. Why have we voted to let our sales taxes get so out of control.

  It is time for all of you to start looking at your bills and your receipts to see that you are being charged correctly. I fight the grocery store checkout all the time because they never have their sales in the register. I watch the register like a hawk because I know the prices on the sales flyer, if it does not ring up correctly then they are told and then they have to redo it. I guarantee you hardly anyone watches the register the way I do or they would make sure they would get the prices in better.

 To sum everything up, it is so important to make sure you are not being overcharge by your telephone company and if you are, call, get it back or tell them you will break the contract with out having to pay them, since they are not doing right by you. If everyone will begin standing up to some of these companies we might begin to get our economy back in place.

Sunday, September 28, 2014



   Do you constantly get calls from salesmen offering you all kinds of packages, like 2 nights, 3  days stay somewhere nice with show tickets or attractions for hardly any money, but there is one catch, you have to take a tour and a 90 minute presentation. They guarantee you it will be no longer than 90 minutes, but don't hold your breath. 

  Now you may even have  troubles with this  company who sold you the package, they may say one thing, but when you get the package, they may say another, which happened to me recently. I ended up fighting with the company and asked for a refund. They refused, I told them I would dispute and if I disputed I would then go to their Attorney General, the BBB, and then to all the complaint websites on the computer. They told me to contact the timeshare company I was staying at, since they were selling for them, I did.

  When I talked to the timeshare company, they said they would change everything. but when I got to the resort I was to stay, everything was still a mix up. Being the person I am, I told them they had better honor the packages I had plus the recorded phone telephone calls or I would go back home and dispute.

  Of course they did not want to dispute, especially not the way I go about doing it. They honored their package and even gave me more. The only thing was the presentation. As you know, I told you the salesman told you the presentation would only take 90 minutes, it took 31/2 hours long. The company tried everything to get us to buy more points The more I said no the longer we had to stay until I finally had to say that the time was done and I wasn't going to buy anymore points that I already had.

  Anyway to sum things up, when you get calls offering you great buys, keep in mind that those buys can turn into complete horror. So learn to say no when is needed and when you say yes ,just make sure that package is the way the salesman has told you and you get everything listed in your package. Timeshares have found very neat ways of conning you to get you to their resort. They can be fun but very expensive. 


Wednesday, September 3, 2014



 I bet you all thought I had quit blogging but that is not the case. We sold our house bought another and are the process of remodeling and moving, very time consuming. I decided to take a break and get back to you with a new problem I am having; although I have three disputes going on right now and I just won one.

  Buying off the computer especially from software sellers can cause problems because most of the times, the software doesn't work. They give you 30 to 60 days of guarantee time that it will work and increase traffic or so on but in one week I find out it doesn't work because I usually can't get it to download properly.

  Anyway when I try to get support, no one seems to want to support me so I just tell them I am going to dispute and always win.

  I always print off their 30 to 60 guarantee and all my emails that I send, that way I have a back up.

  My other disputes usually involve what I have purchased from the phone. You would think I would learn that almost all calls are scammers, but I can easily be conned.

  The dispute I am in right now is for $597, that happened over a year ago. The company was going to rent out my timeshares and if they couldn't they promised to give back the money or continue on to the next year. 

  I called them several times and they told me that I had several ahead of me and that they were trying to rent. When the year was nearly up, I tried calling again, but this time they did not answer just ask to leave a message which they did not answer. I called several times and it continued the same, until I decided, since the year was up it was time to dispute.

 My dispute is going well because they have not replied back to the credit card company and their time is running out when they don't reply you automatically win and don't have to fight back.

  My last phone call I received appears to be a scam, is from a travel club, What is strange I have bought from them before and never had any trouble, but when I got the call, I even told them I had just purchased a package a few months ago and didn't need another. He said that they had a great special on that was 4 nights 5 days with 6 tickets to shows and 2 $30 tickets to restaurants in Branson, Mo. I told him I wasn't interested unless I could use them back to back and spend a week in Branson with my other package, he said I could and I said I would. So off to the reviewer I was sent.

When the reviewer read everything to me, it said that vacation packages could not be used back to back. I ask him about it, because I told him I was told I could. He said with my package I could.

When I received my package I read the whole thing, which is very important that you do, because you want to make sure everything is in there that was told to you. In my package it did not say anything about 4 days 5 nights, so I call them again and ask them why it did not have everything in the package. I was told I only purchased the show and restaurant tickets. I told that wasn't so, because the only really reason I wanted it was to go with the other package I had, so I could stay a week. If it wasn't like that I wanted a refund, She told me no refund, but she would listen to the phone call and see what was said on it. I told her that if she did not give me a refund after listening then I would dispute and I advised not to delete the tapes. She told me she could do whatever they wanted with the tapes, I told her that was fine but I would tell the credit card company exactly what was said between us and she was just hurting herself.

  I am waiting to hear back, if I don't shortly I will call again, If I don't get any where then I will dispute.

  Sometimes these vacations sound great on the phone but there usually is a catch so you want to read over everything carefully and listen to the salesmen. If you need to dispute you will need all your information.


Monday, July 14, 2014


  Turning your old gold and diamond jewelry that you have decided to put away and never wear, can now give you that little cash that you needed. On my site http://golddiamondsexchange.com a blog explained just how you could do it. So since my last blog told you how to get some cash when you were short I decided to let you know of another way to get a little cash.
  When it comes to selling gold, it is important to make sure that you are able to get the best price for it. And this is why these tips can help in getting the most out of your gold.
  Before selling gold items, see to it that you know how much their real worth is. By weighing the gold pieces and looking at their hallmarks, this will help in assessing their worth as based on the current price of gold in the market. Another option would be taking the gold items to any known jeweler for evaluation.
  Jewelers, especially professional and certified ones, can provide you an exact idea regarding how much your gold is worth. This is because they have more skills and knowledge regarding this.
   These days, you have lots of options when it comes to selling gold jewelry, but if you are looking for the best value, the place to go is the internet. Quickly replacing traditional venues like pawn shops and jewelry stores, online buyers offer you the best price for your gold jewelry because they cut out the middleman and let you sell directly to the refiner.
 That means it is easier than ever to make more money and do it with the added convenience of selling gold jewelry directly from your home. Just make sure they are legit and you get a receipt.
  If you feel safer selling to a buyer in your area just make sure you have some idea of your worth. Go to several places don't sell to the first place, sometimes just telling the store owner that you are going to check other buyers may up their price. Hopefully, you will achieve what you were wanting when you sell your gold and don't forget those diamonds, they also will bring you money

  Do the same thing as you did with your gold, have them checked out by a jeweler, he will tell you what they are approximately worth. Also some gold buyers are not interested in the diamonds and have no idea how to price them, in that case it would be wise to sell the gold and ask for them to give you back the diamonds or find a place that buys both. The internet usually is just buying gold to melt down so it is wise to find a store in your hometown to handle your diamonds that is attached to the gold.
   Anyway there are many different types of buyers and starting on the computer can lead you to even one nearby. Good luck!

Friday, June 27, 2014


Have you ever heard of Payday loans. These are short term loans that you can get between checks that need to be paid back within 14 to 30 days, with interest. They are easy to get but be wise, if you need them, then you will undoubtedly have trouble paying them back.

Payday loans are tempting, but love your family enough to not take one. If you do need to resort to a payday loan, only do it once and pay it back before you decide to take out another one. It's easy to get caught up in that cycle but in the long run it will only cause you more financial hardship then you were originally in.

A Payday loans lender will offer you an amount which will vary from $100 to $1500. In this there is no restriction from borrower side, you can spend the amount in any way you want, such as household and utility bills, can pay the installments of your credit card, settle your debts, get small house modifications done, and send your car for a repair job and so on. This is an easy loan because it is free from paper work. 

Fax payday loans are advertised these days through the television, radio, internet websites and even emails. They not only provide speed and convenience, but also allow you to borrow money in a quiet and discreet manner, from the comfort of your own home or office, because there is less paper work involved.

With a Fax payday loan you need to fill an online application. In that application you need to fill some of your personal details which will be used by lender for doing verification. Within short duration, he will transfer the amount into your account, but here is the catch, it would be very wise to open a new bank account for him to deposit the the money. If you can't pay them they will try and take it out of your account so if you have an account just for them, they can not take your money. Many times they will work with you and even drop the interest to get their money paid back. So it is wise to pay it back especially if you ever want to borrow again. They will also have you post a check for amount you owe and it will be due at the time of your pay check.

Make sure you look at each option. If you are taking time to assess payday loans as opposed to private lending options, you could possibly notice that there could be other lenders which could provide you with far better costs for payday loans. The financing quantity and your credit history affect the rates. Be responsible about learning who will give you greater phrases to help you obtain the best offer, also check the rates of interest at several payday lenders before getting your loan, you could find one with a lower interest rate and better terms by checking around.

There are so many companies online, which give people money by a click of the mouse and if the applicant gives his personal information and a proof of income. But, keep this in mind that, most lenders give payday loans. The downfall of these loans is that, they are short term, they are costly and they must be paid within several weeks. Pay day loans are essential especially for financial emergencies like, if your car requires repairs or if you experience medical problems, which requires expensive medication. Loansexpress.net is the best type of lending service. Your source of fund can be the bank or other types of financial institutions which you use frequently. This is also a good way of boosting your reputation at the bank. You will also receive positive feedback concerning your credit payment history. There are numerous benefits which you are going to enjoy if you maintain a good credit score.

Prices of all the things that are necessary for our daily life are hiking up on daily intervals and there is no hope that they would get down in any way. In some of the cases, people find them in some critical financial problems just before their next payday. If you are also facing such problems then you can go for payday loans or short term loans to get rid of such problems even if it is quite expensive way to borrow. Unfortunately, payday loans are banned in a few states such as Arkansas and Arizona.  If you would like to find out another way to get money check out my new site http://golddiamondsexchange.com

Monday, June 2, 2014


In the mail we get letters saying we are preapproved for a credit card, in the email we get several invitations to sign up for a credit card and lastly, we get phone calls wanting us to apply. The only thing is should we.

The first thing we need to take in consideration is our credit rating. If we are low you can count on not being accepted if the card is a well known card. So if you go ahead and fill out the application, you will probably be turned down and that application will hurt your credit rating if you have had too many looking at your credit score.

If you get called on the phone or apply on email you are setting self for ID theft, because you don't truly know if they are legit so it would be wise to stay away from them. I get at least one offer a week in my email, but I just delete it.

If you want a credit card and your credit score is low go to your bank that offers credit cards, discuss with them that you want to build you credit and need a card. You can suggest that the credit balance be $100 to $200.

Now the next thing is for you to use your card and make sure you pay it off every month, within a year ask for more credit and you can also get credit cards at Lowes or Best Buy. The more credit cards you begin to get the better your credit will become, you must remember never to carry a balance unless it is 0%.

Our Credit Bureau doesn't realize when we are paying 0% or regular interest, so with the Credit Bureau, whenever you carry a balance they add it up against you.

It is wise that you know if you are truly talking to a banker and not a scammer, because a credit card could cause you more problems then you can imagine.

Monday, May 5, 2014


Good news, you can save and make money using
credit cards. There are several ways to do it. Most people think that you are better off not having a credit card, but to be truthful I have no idea how many I truly have, because I guess, I have never counted. I know that when it comes time to pay bills, I have the first and the middle of the month written down, which ones I have to pay and I pay with a credit card.

The main thing I look for is specials that are being given when you sign up for a credit card. One card I got was because I could get a free airline flight, I knew I had to make $1000 worth of purchases within 3 months and then I would earn 2 free airline flights in the United States. The purchase was easy I was going to buy a new Smart TV and because it was a 65" it cost me $1600 for everything that I wanted. I used my card and got my airline tickets. I have done this before, and it is a good way to get free flights or very cheap flights. If you don't plan on flying any where for awhile cancel the card if it was a card with an annual fee. You may want to use other cards with better cash backs.

  The next great thing with credit cards is also the way you are able to keep your money in the savings. As you saw above that I had purchased a $1600 TV. Well, I also had received checks from Discover to do as I wanted. So I paid off my Chase card with their check which I received and now I have a special account with Discover that is 0% interest. 

  Discover and Citi Card are just two of the banks that offer 0% interest for balance transfers and purchases and I have both cards. It is nice to be able to keep my money in my savings and be able to have large purchases with small payments every month. I also had a new wood floor laid by Lowes. Using their credit card I was able to have 0% for 18 months, because when you spend over $599 you get a full 18 months of 0% interest. The same thing with Best Buy when I bought my new 17" laptop. I got 18 months 0% interest making my payments about $60. Here again I did not have to take money from my savings nor did I have to pay interest. Kept my payments very low.

Cash back is my next favorite thing every time I see a card being offered with a $100 cash given back after so many dollar purchased I get the card, especially if there is no annual fee. I also try to pick those that have special 5% cash back on purchases they choose quarterly. Chase and Discover Card are the top two in cash backs and have the best cash backs. Discover will even give you $25 gift cards for 2000 points where everyone else gives you one for 2500 points. I will get $400 to $500 in cash backs a year.

All my bills that can be paid by credit card are paid by credit card. I don't have them paid directly by the bank because I want the points. Almost all my shopping is done by credit cards. I also never carry a balance and that truly is the only way to save money because the credit card interest will eat you alive.

 I hope you are following me on how I am saving and making money using my credit card. The most important thing is to not carry over your payments so you have to pay interest. The interest on credit cards are so high that many times they are much higher than the minimum payment.

I would also like to invite you to two new sites of mine, one is for those of you who enjoy remodeling and can't afford it and if you want to learn how to do the work and save some money visit it and the other is to help you with raising your kids, check that one too. If you need any help in learning how to save or make money then leave me a comment with Need More Help section. The site to check for remodeling is http://easydesigndollar.com and the one for kids is http://www.teenskidstoddlers.com 

Monday, April 21, 2014



Lately it seems all I am getting are calls from con artist. The only thing I have going for me is it has been happening so often, that I have began realizing what I need to say to them and ask them to find out who they really are.

 Just this morning I got another call from a guy who introduced himself first stating he was with Reward Publishing and that I had made it to the finals. I would be able to win all kinds of great prizes. I told him I really don't remember signing up, but he says that it was online several months ago and I probably don't remember.

He then begins asking me if I have an email address, I answer yes, but he doesn't ask for the address. Then next he states he needs to confirm my name and address that was on the application, I say okay. Here's where the trouble begins, I first tell him he has to give me my name before I will tell him anything else, click, he hangs up.

Well, as you can see he probably was going to ask me a lot more things and he realized that I did not believe a word he was telling me. If you don't hear your name mentioned from the beginning of the conversation you know something must be going on. Then press them for your name if they say they need confirmation, because eventually they are going to ask for your bank account to be able to deposit your winnings or want some money from you for something. It is wise that you just hang up if you don't recognize the company they represent and even if you recognize the company, they still could be a con artist representing themselves off as a member of a well known company.  

So please remember if you are elderly you are going to get hit by a con artist more often than the younger folks, I guess they think when we get old we lose our intelligence. I don't think we do but I do know we sure can get talked into things a lot easier. So it is wise to not answer phone calls that we don't know.  

Thursday, April 17, 2014


I can tell you being elderly is really dangerous. For some reason the elderly are the ones scammers seem to attack the most which really seems weird because most elderly are on Social Security and that money is not overwhelming. I guess because we are older we are more apt to believe what they have to say.

Well, I got hit up again, with a phone telling me that I won a cashiers check from Publishers Clearing House and he wanted to come by and drop it off. Right away I knew he was lying because I never signed up for the contest. He also told me his name was David Green, vary American, but had an accent. 

I him I did not enter the contest, but he comes back that I just don't remember because it was so long ago. I still say I don't think so. I ask him where he lives, he says Las Vegas. I told him I didn't think he was born in America because he sound like he had a European or Mideastern accent, with a very American name. He wants to know if I think he is conning me. I tell there is a possibility. So he tells me to call a number with an area code 876 and ask for Mark Anderson. I said I would.

You won't believe what happens next, I was on my cell phone which I never use, it had just got 1500 minutes put on it that day. Well, the operator tells me I don't have enough minutes to make the call. I decide to look up on the computer where the area code is from, because that is where the call I had gotten was. The call was from Jamaica, while looking up that area code I also got so many warning saying don't answer the call with that area code because they are conners and will tell you have won all kinds of contest including lotteries.

So the point of this blog is beware of anyone telling you that you have won anything especially if you know you have not entered any contest. Also when they give you a very American name but have a very pronounce accent, guess what they are lying to you, just hang up or find out as much as you can about them so you can report them to the news or some legal agency to let other people know about them. If you have any question just leave me a comment or if you would like to visit a new sight that can teach you how to build new things for your home or remodel then visit easydesigndollar.com

Monday, March 31, 2014


I want to warn everyone of a new scam that is taking place and it involves identification theft using the IRS. It happened to me the other day and being elderly I am an easy target, so those of  you over 50 please take care.

I received a phone call telling me it was from the IRS and they stated I had committed fraud on my taxes. They wanted to know who my attorney was and his phone number. Well, right off I asked what fraud are you talking about I have never received any paperwork from you. He said I should have. I really thought that was strange because they barely had my taxes for over a month and it had only been 2 weeks since I had received a check.

I continued to ask for them to tell me what the fraud was, he told me that he couldn't but if I would call a number he would give me and ask for Eric Jones they would explain it to me. I did, and the phone was answered by a man named Ben James, which I thought was strange because he had a foreign accent that was hard to understand but a very American name. He asked for same things as the man before and I told him the same things as I did the man before, but he said before he could answer me, he had to read some information first.

So I listened. It stated I would be spending 5 years in prison and paying large fines for the fraud that I committed against my employment and so on and so on. When he was finished I told him that he made a big mistake because I was not employed haven't been for years was on disability, and as far as the taxes go it would be my husband not me. I was just the spouse he was the main person on the tax because he was employed, even very little of my social security was taxed.

He asked me again about being on disability and I said yes for 14 years he just said thank you and hung up. I knew then they were scamming, I already had a good feeling because I have had problems with the IRS before and they always send many documents telling you everything you have done wrong and what you have to do to fix it. In my first case they made a mistake and I also caught a mistake that TurboTax made and I ended up getting back an extra $378 instead of paying.

I decided to research the call and I saw the first number they called me from was exactly the same number they told me to call to, to ask for  Eric Jones. So right there I decided something must have been off, because if they were calling and notifying people then they should have another number or at least an extension to use because I could have just stayed right on that number. They talked to me immediately after I had finished talking with themI found the number was near San Francisco and was a Magic Jack number, here another good inclination of a scammer.

 I called IRS, was put on hold for 2 hours, finally talked to some one but they told me I had to talk to the Treasury Department. I called them, again placed on hold but at least not as long, all they did was take the phone number of the company, told me to call the Federal Trade Commission. I called them, they took the  phone number told me to call my Attorney General and the police.

Now here is where everything begins to change. I called my Attorney General and began telling her the story, she stops me and says, she has heard it a hundred of times. I told her if that is so, please tell me exactly what is it they are after, because I never found that out. She told me I was lucky because they have you verify your social security number and bank account number and steal your ID and all your money.  I asked if anything is being done she said no, because they are out of the country.

What I don't understand is why isn't the government announcing on the news or even the state. I called the news station in Rogers, Arkansas and told them. I don't know if they have done anything about it, but in summary I will say that I am announcing this to all of you , THE GOVERMENT DOES NOT CALL YOU AND THREATEN YOU. They will send many, many letters explaining your problems and then you're going to have to deal with them but they won't threaten you when you know nothing. So if you get any calls, do not give your social security number over the phone and never give your bank account number to no one. It is always wise to have a debit card because it is like a credit card and can be fought like one but a checking account is very hard to get money back into if you do transfers or write checks. Always play it safe. If you have doubts ask me I would be glad to help.

Wednesday, March 19, 2014


I thought I would let you in on my other dispute I have with Chase. It is really a strange one and I was wanting you to know about it to keep you from making the same mistake. As you know there are many computer technicians out there that have businesses to help you keep your computer in good shape and keep viruses off of them. They will call and ask you about your computer and will go through it taking off everything that is not necessary, then put on a malware of some kind. Of course, a technician called and we went through the computer. He charge me $199 for one year follow up and I could call any time I had a problem.

 Well right off the bat, they charged my card $200. I didn't complain over a dollar, but I began checking out the malware that they had put on the computer. It was strange, because it showed it had scanned my computer back in 2012. I couldn't quite figure that out unless I had used them before and stopped using them because I didn't like them. So I called, but guess what, I get this message that says their hours are from 10 to 8 but they were closed even though it was in the middle of the afternoon. The message said to leave a message and they would call back. I waited and then it said the messages were unable to take a message, because their mailbox was full, so I went to the computer to send them an email, but even their emails wouldn't work. So I retyped the email made a copy and then called the credit card company and disputed the charge on my credit card. If I could not get a hold of them by the computer then something really was wrong.

 A week passed and then the company calls and wonders why I disputed I told them about the malware and that I was continuing to have trouble with my computer, also I was not able to reach them by phone not by their email on their website, and they had overcharged me. They told me they would rework the computer take off $25, if I would stay with them. I told them I would stay but the first time I could not reach them I would go back to disputing. I did not remove the dispute immediately.

 They did come back to my computer and fixed the problem they missed but I waited for the $25 and it never showed on my card, so again I called. Again, I got the same message about the work hours, not able to leave a message, and not able to leave them a message on their email at their website. So I continued to dispute. I have pretty much won the dispute because they have never replied and I doubt seriously if they will. I only have a few more days until the dispute is over if they don't reply I win.

 The point to this blog is be very careful when computer technicians call and say they are going to do something, just make sure they stick with it and don't be afraid to dispute if they don't. That is why it is important you pay with you credit card, any other way is a lot harder to get back if you can get it back at all. If you need any help with a merchant that gave you a hard time and don't know what to do don't be afraid to ask, just leave a comment.

Saturday, February 22, 2014



Great news, I finally received my refund from the company I had to dispute in my earlier blog. We are now working together without any problems trying to buy tax liens. Here is my next dispute. I managed to get part of my refund but for some reason they are holding back on the other part of it. This is really strange because I put a block on the rest of the monthly payments, they also refunded one payment, but they are disputing one payment which really doesn't make sense, because I told them if they refunded the money I would drop the dispute which means they won't be charged for the dispute. I think some times large companies have no idea what is going on until it is done. They haven't even replied to the dispute yet and it has been over 30 days by 60 days I will automatically win if they don't reply and they will be charged by the credit card company.

Anyway, this dispute involves a timeshare, my number one problem. I belong to RCI which is part of the timeshare group and there are many good things about them. I tell many other timeshare owners to join and I usually encourage them to become platinum members. After this last dealing I am not sure what to think. I know there salesmen are like all timeshare sellers, they don't tell the truth when selling.

A salesman called trying to sell RCI Hotel Savings which really didn't interest me at all, until he said I could get a cruise for a week anywhere, any time on any ship plus they were throwing in 1 week stay at a resort anywhere, anytime. Wow, was I excited, because I had gotten some bad news on my health from MD Anderson in Houston about my brain tumors and I thought it would be great to take my husband to Alaska for a cruise. He has wanted to go to Alaska for a long time to see their gold mining, I really could careless it's too cold for me. The one week trip would be great to tie ends at the beginning or end of the trip with a stay at Lake Tahoe, so I could see my brothers in California since I live in Arkansas. The package was $1799  and I could make monthly payments plus I was to get 5 $200 gift cards that could only be used separately on hotel stays or out of their gift catalog.

Well, right off the bat I only received 4 gift cards, I called them. They told me they would send me one right a way, guess what I still haven't got it and I joined with them in December. I called in December also to book my cruise and the salesman told me I had to wait until after Jan. 5th to book anything. Oh, I didn't tell you that when I talked to the salesman the first time I told him exactly what I was looking for which was an Alaskan cruise on the Royal Caribbean around the end of June and then the week stay at Lake Tahoe either before or after the cruise. When I asked if I would be able to he told me, "sure you can".

I waited until the after the 5th if January and called again by then 2 payments had been made and I still hadn't received my other gift card. When I called I asked about the gift card he said it was coming. Then I told him I wanted to go to Alaska on the Royal Caribbean, he informed me that it would cost more to go on the Royal Caribbean, I reminded him that he told me I could go on any ship he said well there was a few that cost more, not the Carnival or Norwegian. So, I told him I would look up the schedule of the Carnival and see which was the best time.

Again, I called back and told him I would sail on the Carnival, June 20th, again he tells me it would cost more this time because of the time, again I remind him he told me I could go any time, again he says the same thing, I told him he better begin searching to find what I wanted. He told me he would call back on Monday with everything. He calls back but he has nothing. For some reason he has a cruise booked in September I told him that I could not go in September it had to be late June, he also tells me he couldn't get Lake Tahoe but he could get Bakersfield. I asked if he had any idea how far apart those two were, he didn't. By this time I was becoming very angry and told him that I wanted a refund because all he did was lie to me. I could not get anything I wanted. From then on all I got was transferred from one department to another, no one seemed to know anything. I finally was told I had to go back to the first department I was transferred to, when I got there I was just told to leave a message. My message was, give me a refund or I will dispute and if you don't call me back by the end of the day telling me what your going to do I will just dispute, go to BBB then your  Attorney General then to Ripoff. No one called back so I disputed.

It wasn't long that I received a refund for one payment and I had put a block on all other payments. Time passed and I received a call from the financial department wondering why I hadn't dropped the dispute. I told them, if they want me to drop the dispute refund the last payment, but for some reason they think I will keep their money and not drop the dispute I told them that is not true that I have no control over the money. It is the credit card company who will then refund them back the money they took from them. I just can't trust them to refund if I drop the dispute.

Anyway, the point to this blog is you can't always trust what a salesman is telling and if things sound too good maybe you need to make some kinds of stipulations with them before you take it or just let it go. I never can quite understand why we have a habit of trusting everyone, why can't they be honest and then let us decide if we like it well enough as it is. If you have any questions leave your comments maybe I can help you

Wednesday, February 12, 2014



    I am having to dispute again and actually I have 3 disputes going on one credit card. What makes me nervous, it is a Chase card and as I have told you before they are not the easiest to work with a dispute. I have also told you do not exceed a $1000 because Chase can be very difficult in getting the whole amount back. The one thing I have going for me is I haven't paid these off and the card I use is not a free card, it is one I pay an annual charge, so Chase will work a little harder to keep me from leaving them. I will tell you of the dispute that I am most angriest with and it involves both Chase and the company I charged my credit card.

I was invited to a Property Wars get together. They met at the Holiday Inn and spoke about home and property foreclosures and tax liens. It was an interesting talk and at the end they were selling classes and year support groups, giving out certificates that if you purchased so many in a 30 day time frame you would get all your class money paid back. Of course knowing me, I purchased one. There was a 3 day cancellation time period so I decided to check out every thing thoroughly before the time period was up.

In checking out I saw that it would be very difficult to purchase 6 tax liens in 30 days many of the auctions were not held until April or they had already been auctioned off. All that was left was "over the counter" and these were properties no one wanted and you could pay the taxes directly to the county. After complete search of the property I could see why no one wanted them, you would be taking a big risk in investing in property that no one would want to buy.

Anyway, I called the company and notified them I wanted to cancel and to please send me a code and mailing tag to send back the books. I had to leave a message because no one was there to take my call. Oh, I also warned them that because Sunday was my third day they better not try and tell me I waited too long because I was going to call my credit card company to have them note on my account that I did call them before the 3 days to cancel.

They called me on Monday and I talked to a man in their finance department. We discussed all the reasons I was cancelling and then he offered to take off $1000 from the $1597 I paid and I would still have their website and their 1 year support. I told him for that price I would stay with him, but if he did not refund the $1000 I would cancel and if they tried to go against me I would dispute the full amount. He told me I would get the refund in 5 to 7 business days.

After 7 business days, no refund, so I call. The girl I spoke to told me it was 7 to 10 business days. Ten business days go by still no refund, I call again. This time I get told it is 7 to 14 business days, if I get a refund. This is the time I became very angry and tell the girl that I will give her until Friday which is 15 days, if I haven't received the refund then I will not even call back or mess with her, I will dispute. The credit card company was also notified earlier of the problem with the refund and the possibility of me disputing and this I also informed her, although it really didn't seem to phase her. Oh. I also informed her when I dispute I go to BBB, their Attorney General and to Consumer Complaint.

Now here comes the next problem, remember I told you Chase is a very difficult credit card company to deal with if its over $1000. Well, that is all they wanted to dispute, they said since I went past the 3 days I could only do the $1000 because that was what the company said they would refund back. As I tried to explain to Chase that once they broke their word and I didn't receive my refund it was back to the original contract, I told Chase in the beginning that they may do this to get out of refunding the money from the cancellation, but that is why I kept Chase notified at all times because I wasn't sure I could trust Advanced Financed Training. She wouldn't give, she would only do the $1000.

As soon as I got off the phone I went to my credit card site and put in the other $597 for dispute online, I will probably have to be in for a big fight but I don't plan on paying it and if Chase isn't careful they maybe the ones paying it because it has not been paid for yet. I am on Social Security so if they want to take me to court, fine, which will give me a better way of fighting my case and they can't garnish someone who is on Social Security.

So the point of this blog is you truly can't trust anyone even your own credit card. So make sure you check out everything and if you have doubts the best thing is don't, if you do and have a chance to cancel by a certain time frame do, if you see that it really isn't right, don't wait! If you need help or questions answered go to the top of my website and you will see a place that you can ask questions and ask and I will reply.

Saturday, February 8, 2014


Well I'm finally back, I bet you thought I was never coming back to blog but I have been fighting with my timeshare company. I had sold my timeshare in August and the girl that bought it first told me the lawyer she worked for would help her get the title changed for her. Time passed and nothing seemed to get done so I finally told her I would take care of it. I finally got all the papers done and sent them over to her for her to send to the timeshare company. They had already been through the title company but now needed to be transferred. I told her to mail them as soon as possible but here again no one listens to me.

 She finally got the papers mailed to the resort in December, in January I call because I still hadn't heard whether they had been transferred or not. Guess what, they hadn't been transferred and I was told, until the maintenance fee was paid for the new year they couldn't be transferred.They also told me she would not be getting points to trade in but a fixed week, but if I would pay my membership fee while it was still in my name the points would be in my name and I could do what I wanted with the points for the year 2014. I decided to go ahead and pay all of this and my friend could pay me back, that way she could go any time this year instead of in December which was her fixed week.

This all sounded so simple, but it turned out that no one knew what they were talking about at the Holiday Inn Resorts. After the timeshare had been transferred I couldn't book the points I had paid for and my friend was to have a fixed week. As you know, I became very angry with the company and told them that they could either give me back the $104 I paid for membership for points or the points, or I would dispute. They really didn't like the word dispute. I told them that they couldn't charge me for points that they were not giving me, they knew the timeshare was being transferred to someone else. They told me they would look into it. I told them I would not wait, because that might cause my friend to lose her vacation in September. I also warned them if she did lose her vacation I would go to BBB, their Attorney General, and Ripoff Report when I disputed the charge. So they booked the vacation to make sure she had it.

Anyway the point of all this blog, is if you decide to sell your timeshare it is wise to find out if they are going to change it when you sell it and make a stink about it or find ways you can fix it. Also make sure the transfer gets to the resort long before the maintenance is due or if you don't, that will hold up everything. Another thing you might want to know that it does cost you money to get a title and also to get it transferred. Usually the person who buys it pays for those. If you want more information just ask me. Good Luck!