You never know what value those old boxes in the corner of the attic or garage may contain. TruTV’s Hardcore Pawn stars recently appeared on GMA to demonstrate the value of old items that may seem like junk, but WAIT! Don’t discard it until you determine whether you’re tossing something you’ll regret later. If you have “junk” that you think might have real value, contact American Jewelry and Loan in Detroit to find out more.
Today’s economy has hit many people hard – to the point that it may be difficult to obtain money required for home maintenance, medical needs, or car repairs. There are countless sources for financial assistance, including alternative lenders, commonly known as “pay-day lenders”. While these entities fill a specific niche, don’t be lured into believing that your poor credit history prevents your doing business with large institutions or community banks.
The Bank On Movement recognizes that people are not defined by their credit score. The movement began in San Francisco and has spread to numerous cities across America. Federal entities including the Federal Deposit Insurance Corporation (FDIC), Federal Reserve Bank (FRB) and community-based organizations like United Way have teamed up to encourage lenders to establish pivotal products and services designed to provide financial services to individuals with credit issues, including accounts closed for abuse. Second chance services include savings accounts, checking products and a variety of loan types with flexible terms. Contact your local bank to learn whether it participates in the Bank On Movement or whether it offers “second chance” products. Also, you can dial 211 to find community-based agencies near you offering guidance and information on many levels, including which banks may be able to help you.
If you cannot find a bank or credit union in your community offering products or services to clients with your circumstances, you may need to consult with an alternative lender. How Payday Loans Help You Get Instant Loans an article which may be of help in determining whether to apply for a loan under alternative contract terms, which can be quite costly. Typically, loans must be repaid monthly with a new loan taken to replace the former one. The Bank On Movement includes analysis of alternative lending business models to determine that individuals may fall into an endless cycle of debt, thus the encouragement of traditional financial institutions to step up and offer second chance products and programs. Whatever your personal circumstances, you have options. Don’t, however, make a move – and don’t sign anything – until you have evaluated all possible options to determine which best meets your needs.
Time to celebrate that special day with the one you love. There’s still time to find specials on dinner, flowers, jewelry, travel, entertainment venues and more. Local Deal Sites provides a list of sites on which you can find virtually everything. Use your deal now, or save it for later. Remember to read the details before you buy to avoid unexpected expirations or penalties. If these sites are not your thing, surprise your special someone by cooking their favorite meal. Deliver breakfast in bed. Find a photo booth and take funny pictures that you can enlarge and cherish for years to come. Or, take a stroll through a park and tell them how happy you are to have then in your life. Whatever you do, do it full on, with gusto, and have fun. CARPE DIEM!
I’m old school in a lot of ways. I prefer large paper clips over the irritatingly small ones. I also use a manual stapler instead of the electric models. The one I’ve owned for many years has gotten to the point that it jams after a single use. I bought a new one yesterday, but on my way to check out, I noticed a blurb on the package about a limited lifetime warranty. I contacted Swingline and provided the model number, and voila! A new unit is on its way to my home – no charge, no hassle, nothing. The brand new stapler was only $10, but that’s the thing about being frugal (not cheap) – saving only $10 three times a week equates to $120 per month, or $1,440 per year. Needless to say, the new stapler is going back today – unopened, of course.
CHECK OUT THE WARRANTY BEFORE BUYING
Manufacturers provide a warranty on new items, with terms varying by product. Selling extended warranties is a HUGE money-maker for retailers. What you need to know – whether that warranty runs concurrently (along with the manufacturer’s warranty) or consecutively (kicks in after the manufacturer’s warranty ends). They typically run concurrently, reducing the effectiveness by half immediately upon purchase. Example: I purchased an iPad2 from Best Buy and bought an extended warranty a month later upon showing the store rep that the unit was in perfect condition. As I recall, the 2-year addition warranty was about $169. I also contacted Apple for an extended service agreement for about $99 (to the best of my recollection). Here’s the kicker – Best Buy’s warranty ran alongside Apple’s one-year warranty, so I actually only received ONE year’s extended warranty since Apple protected the product during the same year. BUT, six days after the end of Apple’s one-year manufacturer’s warranty, I had issues with my iPad and returned to Best Buy for a repair. Oh, no – no repairs – they just wipe the content clean and give you a new unit. In my case, I got the iPad4 (with Siri) and paid nothing. I left with a receipt for $499, and a $499 reversed entry for a $0 balance, and a brand new iPad4 – did I say it has Siri? So, sometimes it works in your favor, as in my case.
Now back to Apple – when I called to purchase a year’s additional support, the representative recommended, since I had a year of support with the purchase, that I wait until a couple of days before it ended to call, thus really adding value to my purchase. That’s what I did and I’m still covered on my iPad4 – did I say it has Siri? Again, you have to weigh your options to see what works best for you. I’ve included some links below to help you decide:
Consumer Automotive Research speaks to what to consider when purchasing an extended warranty.
OPINIONS ON EXTENDED WARRANTIES DIFFER
The next article cautions against buying an extended warranty.
In the end, you have to make the decision that’s right for you. Before buying anything, check the retailer’s policy regarding replacements. My favorite savings club allows unlimited returns within a given time period (up to 5 years in some cases) if the merchandise fails to perform as intended. Whatever you do, don’t forget to see whether your retailer matches competitor’s prices on the item you’re about to buy – with or without an extended warranty.
That’s what millions of people are saying as they find their bank accounts drained or their credit cards maxed out. You’re probably aware of “skimming”, but if not, check out this video and take all measures to protect yourself. Try to avoid self-serve kiosks, but if you do use them, check the reader BEFORE swiping your card to determine whether a skimmer has been installed. I was at a local discount club earlier today and noticed that their pumps have strips on the card readers to demonstrate safety. At attendant told me earlier that they check the strips daily for evidence of tampering.
Restaurants – if your server retains your card for longer than you think is necessary, monitor your account for unauthorized activity and file the required disputes immediately. Whether your debit or credit card is breached, there are remedies. But, enduring the initial investigation process will seem like it takes forever if your account balance is ZERO. Use a credit card whenever possible and pay the balance from your bank account to avoid a crook having immediate and unlimited access to your funds. After all, you really CAN’T be too careful!