For people living in Melbourne, Australia?

Is there a good credit card that is on offer for people who may not have the bestest credit rating?

My sister wants a card for about $2000 but when she was younger had a few debts she messed up on, as I think credit cards are bad and I dont have one I cant realy help her..

For people living in Melbourne, Australia?online loan

Your sister doesn%26#039;t need a slave credit card .she needs more income help her get a second job so she can get what she needs not wants. have her visit DaveRamsey.com so she can learn hard lessons the easy way.Credit is 21st century slavery

For people living in Melbourne, Australia? loan

Try ringing a financial adviser or perhaps a bank like Westpac and ask whether her credit rating has been recorded and whether there would be a way she may be eligible for a credit card. Credit ratings do expire over a number of years but all credit cards generally expect someone to disclose all their financial information on the application form.

I did something very silly.....?

a few years ago i got a credit card, well my bank offered it to me, i was young and i accepted. i maxed the credit card out to its limit and could not afford to pay it back, i ended up getting another credit card as it was stupid and silly with money. i then moved home and have stopped paying them back. i am hoping to clear them in the next few months. however i have not contacted the companies and have not been back to my old house to see if they have written which im sure they have. my question is: do you think they will blacklist against me or the old house? and can i get a ccj for it? thanks

I did something very silly.....?unsecured loan

Get a copy of your credit report and find out which collection agency your debt has been sold to. The credit card companies may still have the debt but it it%26#039;s been a couple years, it%26#039;s undoubtedly been written off and sold.

Be prepared for big outstanding balances. The interest, late fees and overlimt fees have been accumulating.

You can negotiate settlement but make sure you get the settlement agreement in writing and do not give them access to your bank account. Collection agencies are not going to accept small payments that string out the debt. A lump sum settlement is more likely to get the debt settled for less than the full amount. If they accept payment arrangements, they%26#039;re going to want it paid off within a few months.

If you don%26#039;t clear this up, it will haunt you on down the road. Collection companies are getting more aggressive about going to court and suing for smaller amounts.

I did something very silly.....?

loan

this is why i DON%26#039;T have cc%26#039;s.

it put all of us in debt and not good for you, and you will go on a black list if you don%26#039;t pay them at all and can have your name removed from that list after you have paid them all off and then work out a plan to clean your cc up.

good luck and be careful with Theo%26#039;s cards|||Hi,

I would suggest you get your credit report and see what it states for your credit cards, etc. It%26#039;s always a good idea to check it at least once a year. You can get a free report at https://www.annualcreditreport.com/cra/i...

Good luck.

Kerstin

www.HealthThanWealth.com|||You have ninty days from due date before your credit card company will send your bill to a collection agency. At which point a bad mark will go on your credit report, if they havn%26#039;t done so already, It dosn%26#039;t go by place of residence, its your name and ssn that will suffer. I would suggest a money manegment class.|||You are entitled to a credit report free once a year from all three agencies, Experian, transunion and equifax, call 1877 322 8228 and follow instructions, when you get the reports see what you owe, you might be able to offfer half of it and they mat accept it, a lawyer can help you. I%26#039;m no lawyer|||I%26#039;m not sure what you mean by blacklist or anything, but here%26#039;s what to do:

Go to www.annualcreditreport.com and get one copy of your credit report (you get one from each bureau every year).

Listed on your credit report should be your outstanding accounts. It might take a few phone calls, but you should be able to track down where your debts are. For the purpose of this explanation, let%26#039;s assume you have one outstanding credit card debt with a collection agency.

Contact the collection agency and give them your current home address and phone number. Don%26#039;t give them your employment information. Simply tell them it%26#039;s not relevant information. Ask them for the current outstanding balance. Whatever that is, expect to pay 40-60% (have a calculator handy. They will demand balance in full. Tell them that offer is not acceptable, but you will offer a settlement of 40% (only give them the amount, not the percentage). They will almost certainly turn this down, but haggle back and forth until you get them down to at least 60%. Expect to have to pay this by the end of the month that you call (ie. Call on October 5, pay by Oct 31). It%26#039;s okay to give them your account information to draft the payment out of, but if you can%26#039;t or won%26#039;t do this, then offer to send the payment via moneygram or western union. Make sure that you have a fax number handy when you call them. Request a settlement offer in writing to be faxed to you immediately (BEFORE you place the payment on file). Once you have the offer, make the payment, and immediately request a %26quot;settled in full%26quot; letter. It might take some time, but if you haven%26#039;t received it within 30 days, call them every day to follow up on it and take the names of the people who you speak to. Keep the copy of the offer and a copy of the payment (or if you give them your info, a copy of your statement/cancelled check) and the copy of the settled in full letter for at least 7 years. If they do not send a settled in full letter within 60 days, file a complaint with the Better Business Bureau requesting the letter, and keep all documentation.

Four months after the payment, go back to annualcreditreport.com and get a second copy of your credit report. If it has not been updated to reflect your settlement, contact the collection agency, and the original creditor if necessary. Four months later, order your third free copy to follow up again.

Letting My Friend Pay?

My friends are planning a trip for July. It%26#039;s going to be a very inexpensive trip, b/c we are staying at my friend%26#039;s family%26#039;s condo on a private beach. We won%26#039;t have to pay her for the stay, will get use of the beach and we will have a kitchen to prepare meals/store food. We plan on going out of dinner and for drinks about 3 of the 5 nights we will be there.

Right now, I%26#039;m very low on cash and don%26#039;t have the money for the $250 roundtrip plane ticket. I don%26#039;t have a credit card either. My friend offered to pay for the ticket along with hers on her credit card. I sort of feel bad though.

She%26#039;s been my friend for 6 years and I%26#039;ve had her do this before for thinks like concert tickets, etc. I always pay her back. I just feel funny, b/c I don%26#039;t have the money available right now. I will in a few weeks.

Should I let her charge my plane ticket to her credit card?

Letting My Friend Pay?student loan consolidation

If you know your friend really well it should be ok. I have a great friend and we loan each other money back and forth. I helped her out with her kids and such when she got her divorce.

One year before I was married and was single I lost my job, got to love layoffs. I had NOTHING for my sons 5th birthday and for the first day of school. Bless her heart she showed up with a birthday cake, school clothes and supplies for him AND birthday gifts and said they were all from me.

Although I can probably never repay her for that feeling she gave me, we have always been there to help each other out when times are rough.

I know she is good for whatever she borrows from me and she knows I am good for whatever I borrow from her.

That being said though - I have some friends who I would never lend money too or do those things for.

If your good enough friends and she understands then its all good.

Letting My Friend Pay?

loan

If your friend is offering to help you and you know in your heart that you can pay her back, as you have in the past, then by all means, let her. You guys have been friends for 6 years and you paid her back before, so let someone help you.|||i think yea you should let her pay its not as if you%26#039;re not going to pay her back my frends and i always play the you pay and i%26#039;ll pay you back game i mean dont get comfortable but you kno ya%26#039;ll are friends and its not as if she/he%26#039;s getting agravated friends should always be there for each other|||Have your friend charge the ticket, your friend will not receive a credit card bill for a month. By then you should have paid her back. If you are really good friends, she will not mind charging the ticket because she will want you to be able to go on vacation with her.|||Take her offer, give her a thank you card after the trip, and pay her back when you have the funds. You guys already have the plans and If you decline her offer she may get hurt. You have a very kind friend.

Should I spend money I don't have, like the government does?

I have a little money, and some credit card debts. I was offered a job, but to take it I would have to buy suits, ties, shirts, etc. I%26#039;d also have to buy a car, or at least a monthly commuter pass. This could be a lot of money - more than I have. I would have to spend what I saved, as well as borrow some on my credit cards.

Rather than doing that, shouldn%26#039;t I just pay my credit cards and stay home? That way I wouldn%26#039;t run up a deficit like the Republicans did.

YES, this belongs in Politics and Government. YES, I am being sarcastic. YES, I am trying, by a somewhat extreme example, to introduce the idea of INVESTMENT. People who receive tax cuts don%26#039;t usually hide money under their mattresses. They either spend it or invest it.

What say you? DON%26#039;T BE NASTY!!! Try to answer substantively and I%26#039;ll listen. Thanks.

Should I spend money I don%26#039;t have, like the government does?small business loans

The reason the economy is doing as well as it is, with HISTORIC tax revenues is because of tax cuts. The money is, as you said, being invested, generating taxable income and benefitting our economic growth. Or it is being spent, as witnessed by a HISTORIC consumer confidence index.

As far as your %26quot;job%26quot; is concerned, of course a temporary debt is OK as long as your income increases allowing you top pay off the debt sooner. The US is in debt and the GDP ballooned by 1 trillion dollars, allowing that debt to be paid off that much faster.

Should I spend money I don%26#039;t have, like the government does?

loan

Well, unless you have a source to steal from, like the government does, I%26#039;d keep what you make in the wallet...Safeguarded from the government|||If you have credit card debt, you ARE spending money you don%26#039;t have.|||Deficit spending is a big problem in the U.S., not just with Government, but private citizens also. Then when the debt is too great they file bankruptcy. Good question.|||The problem here is the Government gets away with it. If you do it the Government will find you!|||I seriously think that we should have a warmonger tax.. most of us didn%26#039;t want or benefit from the money they%26#039;ve spent in any way.|||Why do all these simpletons miss the boat every-time, Congress commands the amount of money that gets printed! Our military %26amp; industrial complex %26quot;high-tech%26quot; backs it up! Until someone like China %26amp; Russia challenge these combo%26#039;s America will continue to Bluff at high risk! So spend like the Donald %26amp; bluff til you get taken out!|||Republicans think that the 10 year projections of a $9 trillion debt is not a problem. They like debt. Reagan liked debt. Most Republicans know tax payers have to pay the debt back. The Republicans prefer you pay it back not them.

BTW, Reagan invented a new form of math. In Reagan%26#039;s math a tax cut for the wealthy of say $400 million would result in Higher taxes being taken in by the Government.|||do what you need to do to get the job. That is your first priority. When you start paying taxes, then you can sit around and complain about your government.

Boyfriend got kicked out, car in his name, he still owes for it, what todo?

Ok my mom just kicked her boyfriend out.

Heres the run down on him:

- owes a lot of people money (including the government)

- low life (basically a rat)

Ya well since he was not aloud a credit card, and has no credit my mom offered to buy a $5000 car for him about 6 months ago. She didn%26#039;t want the car under her name, because he has NO insurance and if something happened she didn%26#039;t want her name to be involved. So she paid for the car on her Visa, and put it under his name. She got him to sign papers saying how he%26#039;d pay he back and stuff, but that seems very unlikely since hes kicked out now.

What can she do to get her money back?

I know about court, but the odds of this guy showing up, and actually paying the sentence after is doubtable.

Any suggestions?

Boyfriend got kicked out, car in his name, he still owes for it, what todo?loan officer

Your mom can take him to court with the papers agreeing to pay for the car and the visa statement showing that she did in fact pay for the car, he will either have to pay her the money for the car, or she%26#039;ll get the car back, which she can in turn sell and hopefully recover all lost money.

Boyfriend got kicked out, car in his name, he still owes for it, what todo? loan

My best advice is to have her sue him in small claims court so she can have a judgement issued against him. If she does that she can have them garnish his wages until the debt is paid.|||That was dumb. I know hind site and all. But why? She%26#039;s screwed is what it comes down to, other than the courts. Or a %26quot;really big guy with a bat%26quot;.|||Hopefully your mom will learn from this lesson and not give the next jerk that comes along 5 grand....|||your mum is a desperate woman or why will she put $5000 debt on a credit cARD and its for a car for a man|||Court is the only legal recourse your mother has. But, under the circumstances, she might as well chalk it up to a bad experience. Better for her to be out the car than it is for her to keep hassling with the guy.

OR.....you can always get hold of Guido and Sarducci.|||Unless she has a written contract between her and her boyfriend, no court will give her money for the car. Without the boyfriend admitting that it was a loan or that he has made payments to her, it will be considered a gift from your mom to him.|||I can only say that your mom should have been smart enough to not put her credit in the line for someone like you described. My ex tried to get me to co-sign for an ATV for him and I WILL NOT put my credit on the line for ANYONE!!|||Judge Judy could make him feel real small, but Judge Mathis will make him feel real shame, for not being man and making way for himself, and mooching off woman|||Court is the only way in such a situation if he doesn%26#039;t voluntarily make the payments....if there is documentation that shows he is in violation of this contract.|||She is out of luck. She could try to take him to court to have his wages garnished but she%26#039;s probably out the money.

Thank GOD that she%26#039;s not on that title because if he%26#039;s as irresponsible as it sounds, she could be in worse trouble.|||It%26#039;s a lesson learned in life. Unless she is recorded as a lienholder on the vehicle, her only recourse may be small claims court.

If she is a lienholder, she has rights to repossess the vehicle and sell it.|||well court would be the best even if he doesent show up guess what,attachment goes out on him when he gets caught,theyll call your mom to come bac to court,or your mom can take this as a lesson sorry, good luck!|||Still take him to court.|||chalk it up as a lesson learned .. expensive i know but tell not to make that mistake again. life learned experiences are the most expensive...|||Not much she can do except taking him to court if he does not pay. Hope that the papers he signed are in order. File for a writ of possession. Chances are you will never find him. If found, you can get the property back. That%26#039;s about it.|||Don%26#039;t waste your time for $5000

First of all, she should trade that piece of **** in for something nice for herself. Have that guy present so he will sign the papers to sign over the car. That%26#039;s all, it%26#039;s the only way to get rid of him and not waste time and more money on a pathetic loser. Also sorry your mom had to go through something tough like that. Lucky for her she has a great son like you to count on.

Just giving you credit since no one else is... You are a good son.

Good Luck

Hope everything goes smoothly.|||You live You learn|||Small claims court. Even if you don%26#039;t get results right away.. it will be legally documented....

Otherwise, forget it.|||She needs to take him to couort anyway - if he doesn%26#039;t show the judge will decide in your mom%26#039;s favor. A judgement goes on his credit file and tax returns etc can be taken to pay judgements.|||Nothing your mum can do except feel relieve to have kicked the %26#039;rat%26#039; out. You won%26#039;t get a single cent for him as he is so poor to need your mum to feed him in exchange for his companionship. Ask your mum to just forget about him and hope that he won%26#039;t bother her or you anymore in future.|||if she has the papers he signed, she can take him to small claims or civil court. she can also request that the court make him surrender the title to be signed by her as leinholder until the amount is paid. she may also be able to have him pay the court costs. if it were me, I would take him to court and get an order against him, ask the judge for him to surrender the title, sign the lein. then seek a wage withholding order, and if it wasn%26#039;t paid timely (like if he quit his job and couldn%26#039;t be found), I would repossess the car and then take him back to court for the cost of repossession and court costs.

for future reference, it is legal to have a contract to sell a vehicle, sign the car over with you as the leinholder, and have a stipulation in the contract that if it is not paid and repossession is required, the new owner must pay any fees. my mom has done this with a couple of vehicles for friends.|||Well girl with a stupid mother, the only thing your mother can do is take him to court with her proof. Take him to one of those court shows on tv he might get excited and show up. Tell your mother its not a sin to be stupid. Its a sin to stay stupid. Tell her to learn to love herself and she wouldn%26#039;t be so easy to get played. I would have at least put the car in my name so if he would have taken it I could have reported it as stolen. And at least I would have been stuck with a car and a bill. The only thing she got stuck with is a bill. But he seen a weak minded female a mile away. But don%26#039;t worry we%26#039;ve all had our stupid moments even me. I just hope she can get some since before her next relationship. The only way you can get knowledge is from Jehovah God through his son Jesus Christ by getting to know them personally. For more information go to www.watchtower.com for a bible study.

Truth|||well far as the gov%26#039;t cant do anythinh about that but her money yeah court is the only way, but if he dont show up cool give all the places he be and trust me they will find his punk azz|||The only thing that she can do is take him to small claims court. It doesnt matter if he shows up or not. A judgement can still be put against him. The courts then can garnish his wages for the amount that is owed.|||Get someone to whip his butt.|||Tell your Mom to take the $5,000 loss and be done with the bum for good. It was a bad loan, and tell her to get a job and get busy and pay for HER mistake, which is NOT your mistake, even though you may suffer for it. The only thing you can do is observe, and learn from HER mistake so that you do not allow any other bum to come into your life and do the same thing. %26quot;When money is involved, your have NO friends or lovers%26quot;|||suck it up and larn for your mistake.

don%26#039;t do that again|||after you take him to court if he doesnt pay up you just file another report on him not paying wahat was ordered by the judge and the police will arrest him|||still take him to court. he will get a bench warrant, and maybe you will not get the money right away but the can start garnishments, or court orders for him to pay, go the legal way.|||I%26#039;m guessing your mom knew he was a lowlife when she bought the car so I think she should just cut her losses. She finally came to her senses and kicked his sorry butt out. She should just chalk this up to experience. Live and learn.

I have an Orchard Bank secured card 14 months 200 limit. How much longer before they offer unsecured

And higher limit? I%26#039;ve charged 35 to 55$/month and pay in full on time every time. Before this card I had no credit history. I had paid off previous CC%26#039;s in the 80%26#039;s and cancelled them relying on cash since then. now credit is important, rent a car, hotel room etc. Also borrowed $1,000 from local bank, unsecured and checked to see if they report to the 3 agencies, they do. This was done for more history. I pay twice the payment on time every time. My FICO is about 758 now. A good score but why no offer from Orchard Bank for a better deal?

I have an Orchard Bank secured card 14 months 200 limit. How much longer before they offer unsecured?quick loan

They should have but they didn%26#039;t. If your score is as good as you say then apply for a card through someone else. Call Orchard and see wht thier deal is. If they won%26#039;t give it to you then get a card with someone else and cancel your orchard.

In my professional experience Orchard really sucks (Capital One is no better and I advise staying away from them)

I have an Orchard Bank secured card 14 months 200 limit. How much longer before they offer unsecured?

loan

If it%26#039;s a secured card, the limit is based on how much you send them. Orchard tends to up my limit every 6 months, but that%26#039;s for an unsecured card. Apply for an unsecured card. With a high FICO score, it shouldn%26#039;t be a problem. Charge up to $300 bucks per month and pay it off continually. They will up your limit in 3-6 months.|||If your credit score is 758 apply for another card. You should not have any trouble getting one with a limit of several thousand dollars. STAY AWAY FROM Capital one|||If your FICO score is 758, you don%26#039;t need to wait for Orchard Bank to offer you a card...pick a card (not necessarily from Orchard) and apply. Orchard%26#039;s a decent card for starting out and building credit, but it sounds like with your credit score you could do much better; Citi Cards, BoA, etc...|||That is a very good score, you can get any credit card you want with that score so dont get orchard.|||Is this the only bank in the world to choose from?

Of course, if you can%26#039;t show a regular source of income stream, banks will be very cautious.

Might be worth a personal visit to the bank and discuss your requirements.

Good Luck.|||You won%26#039;t get a good deal from Orchard, ever.

If you%26#039;ve got a 758 FICO you should get a major CC like an Amex, BofA, Chase, Citi, etc.

(Is that 758 actually a FICO? these days there are so many FAKO credit scores out there that when someone says what their credit score is, I am never sure.)

Will creditors lower my payoff balance?

i got myself in some trouble in my late teens with credit cards, my mom just offered to transfer them to a lower interest credit card to save me some money,

So tonight i want to get them all paid off

I was wondering if creditors will negotiate a lower payoff balance since most of the cards are closed and I will be paying them in full

heres my balances

1700

1150

and 850

is there any way to talk them into taking off some interest of balance or talking them down to a lower pay off amount

and how would i go about that?

Will creditors lower my payoff balance?fast loan

You likely can talk off some of the interest, but not principle on these if you pay them off in one lump sum. More then likely MOST of what you owe is interest, so it coudl make a big differance.

You need to call them up and ask to takl to a manager. The receptionist will not be able to help you.

Will creditors lower my payoff balance?

loan

You wont really know until you talk to them but some have been known to chop off some of the balance if you pay it off in full, but the way things are today I cant really give you a definite answer on that.

I am getting sucked into the debt trap. i work on minimum wages.please advice?

my debt on credit cards is 8500$ with total limit of 14000$. my credit score is 653. Right now i am just paying minimum.after the introductory period got over, the interest now charged is 15.4%..i badly need a card that will offer 0% balance transfer. are there any credit cards which will approve me. or is there any other way to get out of this trap

I am getting sucked into the debt trap. i work on minimum wages.please advice?fha loan

If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can%26#039;t be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit card debt.

Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.

A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn%26#039;t undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder.

When a person approaches a credit counseling agency, the first thing it will do is to take stock of the situation and get various facts about the credit card debt. The credit counseling agency collects data about the income, expenditure and spending habits. It will guide the credit card holder about budgeting benefits and try to inculcate good financial habits. Read more from: http://www.credit-card-gallery.com/artic...

I am getting sucked into the debt trap. i work on minimum wages.please advice?

loan

i would never use a credit card or checks. i stay with cash. maybe you should file for bankruptcy.|||I listen to Dave Ramsey and I think he would say- increase your income. There are many things you can do without having specialized training and make much more than minimum wage, like cleaning services, mowing lawns, etc. mostly service jobs. You have to increase your income. You can%26#039;t make something out of nothing.|||You need a lot more than that. You need some serious credit counseling. I know of a site that will give you the straight scoop on how to get back on track. Go to: www.1-800BadCredit.com and check it out. They have helped thousands get back on track. Good Luck!

Tips on debt negotiation.?

I have several credit cards that are more than 6mo. past due. Several credit card company%26#039;s have offered a 40% settlement. Is that a good deal or can I negotiate a lower %?

Tips on debt negotiation.?secured loan

40% is good especially for having done it yourself. If I were you, I%26#039;d close all the accounts and take this deal. It sounds really good if it%26#039;s at a level you can afford.

I am looking for working capital funding for a small business.?

I have contracts with a number of drop shippers and just wholesale outfits (by the lot), initially for the purpose of internet sales %26amp; ebay type auctions. I would like to buy in bulk and lease a storefront in a rapidly growing suburbian area of a major metropolitan area. The types of things offered in my shop would be sold at less than normal retail mark-up and the storefront space is quickly being eaten up by new businesses due to the town%26#039;s growth, so locking in the low overhead is imperative now. I have much less than perfect credit, but would run credit card receipts as I offer them currently. Has anyone had any experience with finding a lender under similar circumstances?

I am looking for working capital funding for a small business.?cheap loans

Money follows management. It is not a great product, but a great management team that will help you get the financing you need. Lenders want to be assured they will receive their money back. If you surround yourself with other people who have done this and have been successful, a lender will feel more secure lending the money. Gather a management team of other business owners, consultants, attorneys, accountants or any other professional who can help support your business. It is impossible for you to know everything, and every successful business person surrounds themselves with people who are smarter that they are. Once you have built your management team/advisory board, then a business plan is next. There are many resources available to explain how this works. I think with a good team of advisors and a business plan, your chances of getting financing will be better.

Creditor won't lower interest rate. What to do?

A few yrs ago I made a purchase at Zales jewelry store. The offer was for 0% interest for 12 mos. Now, I still have a balance and have called the ph# on my Zales statement. The rep advised that 1) they cannot lower the interest rate because the lender is Citibank even though I pay Zales, and 2) even if they did have the authority to do so -they couldn%26#039;t- b/c I agreed to an intro offer. My int. rate is 24.99%. Is there any way around this? Should I ask for the ph # to Citi and ask them to lower it myself? All credit cards come with intro offers, and I have never had a problem with getting a lower int. rate before, why is this any different?? I%26#039;d appreciate any informational feedback. **P.S. Please don%26#039;t respond to this question with what I should have done...**

Creditor won%26#039;t lower interest rate. What to do?consolidation loans

From what you have said it looks like the problem is the agreement between Zales and Citibank.

You are Zales customer and Zales is Citibanks customer therefore you must deal only with Zales.

Creditor won%26#039;t lower interest rate. What to do?

loan

What was the original amount and what is your current balance remaining?|||Call the credit card company that is offering you a low interest rate, and get that credit card and see if they would be willing to pay off the Zales, it would be best if it had 0%, just make sure to pay it off before the interest starts to accrue|||Try getting the number to citibank and seeing if you can get it lowered that way. I have never heard of a credit card not lowering the rate if you ask them to.|||Simple answer nothing. There is no mistake or confusion, they know what your rate is. Zales and Citibank have each others phone numbers, heck they may have even agreed on the terms of the program, ie charge you 24.99%.

You are grumpy now, check your default rate? If you have a payment come in from 5 to 1 days late, hello 27.73%, I just checked the Zales web site.

If Zales is running the customer service side of the product, I do not think Citibank would even be able to speak with you about the account.

Usually these retail cards have very set programs. Even standard Visa and MC programs do not have that much flexibility anymore.

Only thing is to try to get it paid off.

a%26gt;

How come when I try to help customers out by telling them about something that can help them....?

they dont seem to care?? Basically I work for a major credit card company and we offer a service that helps people protect against idenity theft and sends them their updated credit report every single month when it comes out. As well as about 7 other features that come with it. THEY CALL ME to check their balance or whatever then I tell them about it and only about 20% of the people say yes. That meas 80% of the people think that $9.95 a month is too much to pay for a service like that? We even let you try it FREE for 30 days. If you have ever been a victim then you it is well worth it. I guess my question is it is I feel I could say that this program comes with a million dollars and people would STILL say no because they dont want to be %26quot;sold%26quot; anything. Why is this still true even if it is something they should get?

How come when I try to help customers out by telling them about something that can help them....?student loans company

Because we as people dont look at it as help we look at it as %26quot;Someone trying to sell us Something.%26quot;

I mean how many of us would hang up the phone if when we answered someone said %26quot;May I speak to the lady of the house?%26quot;

We just assume that it is a telemarketer or someone trying to sell something so we hang up. It couldve been the neighbor down the street telling you something very important.

You have to come up with a different and unique approach only then will people listen and become interested.

How come when I try to help customers out by telling them about something that can help them....?

loan

Could be they have the service someplace else or they don%26#039;t believe identity theft will happen to them.|||One on One.Oh and check out my business,www.andyhinson.com You%26#039;ll love it more!!Peace|||You are telling the customers about something that can help them for the cost of $9.95 a month?

Problem 1) YOU (ie an employee of the company) are telling them.

Problem 2) It costs money. (and with the price of gas nowadays, who can blame them!)

Problem 3) You still haven%26#039;t convinced me that I need it. Maybe you should work on your pitch. Why should I have a credit report every month for $9.95 when I can simply check on the balances of my credit cards for free? Your pitch lacks logic and necessity.|||Because to many consumers, it sounds like a gimmick, a telemarketing pitch and most don%26#039;t want to be bothered by anything other than what they are calling for.|||i wouldn%26#039;t get it... its a scam to scare you to pay ten buck more a month for nothing...|||Dear Link the World:

I think it%26#039;s great that you%26#039;re trying to help customers protect their identities. I%26#039;m one of those 80% who do say no to paying for that service. After all is said and done, I%26#039;ll be paying $120 per year for something that I do myself regularly and for free. Since I am allowed 3 free credit reports each year, 1 from each of the credit bureaus, I check on our credit every 4 months. Our credit scores are very high and we%26#039;ve been ok. It%26#039;s nothing personal, it%26#039;s just that my resources are limited and I have to use them wisely. I think that%26#039;s where a lot of people are. Best of Luck!

Anne|||Hey, people are bombarded everywhere they look with sales pitches. Signs on the road, newspapers you read, TV you watch, and businesses that already have your business. It%26#039;s WAAAY too much! If I want something, I%26#039;ll research it on the net and then and only then will I make a decision to buy or not.

I don%26#039;t like it when people who alread have my business ASSUME that I want more of what they offer. And I don%26#039;t like getting the Bum%26#039;s Rush: buy it now!, offer good only today!, etc. When the phone co. calls and says I can have a certian service for only 55 cents a day, I ask them to send me the info in the mail, as they frequently don%26#039;t honor the conditions they promise in their phone pitch. And funny thing--they never do send the info in the mail! Why%26#039;s that? Because they have no intention of giving you the deal they promised you. I just don%26#039;t buy anything over the phone liike that, because I%26#039;m doubtful that they%26#039;ll honor their part of the bargain. And what protectons do I have, over the phone like that??? Nothing%26#039;s in writing, if there%26#039;s a problem, it%26#039;s your word against theirs. You have no protections with phone sales. So sorry you are the one to find this out. I%26#039;d find a job that was more rewarding. People aren%26#039;t stupid and don%26#039;t fall for phone sales pitches.|||so, $120 a year.

but if someone else rips my card off, i get reimbursed.

now maybe you have money to buy everything that you%26#039;d ever find useful.

most of us don%26#039;t.

a %26quot;free month%26quot; is really bad.

if i forget, then i get charged. i never do that.

and you%26#039;re right. i don%26#039;t like being %26quot;sold%26quot; stuff.|||Your trying to sell them something, plus personally I dont like the number 9 in a price lol

I need to buy a cheap car which method would be best for payment?

financing through the dealer with a bank or charge it on a credit card that i was offer with a 10k limit. Im looking to spend 5k or under. it should take me 4 to 6 months to pay off.

my credit score is 675

I need to buy a cheap car which method would be best for payment?school loans

If you need the car now, and seriousely will pay it off in a few months, then I would use a credit card. The interest rates for a used car is probably higher then the introductory rate on a credit card.

happy car shopping

I need to buy a cheap car which method would be best for payment?

loan

Just save for 4 months and then PAY CASH.|||If you need the car now AND the interest rate on the card is a low introductory rate, then go that route.

A better way is to save and buy with cash.|||Your credit score will qualify you to get a loan on a lending website that I use. Feel free to look at my profile to get the link.|||Pay as much as you can out of pocket. Then try to see if you can get your own loan through a bank before going through a car dealership. Believe it or not, they profit from setting you up with financing, too.

Economics heres some questions please help?

some credit union companies lure people into signng up by ?

a .offering low inital aprs

b .offering debit and credit cards

c.linking up wiwth commercial banks

d.engaging in heavy advertising

question # 2 a usury law ...

a restricts the amount of credit a financial instution can offer

b.sets maximum intrest rates consumers cab be charged

c.defines lending practicesfor state financial instituions

d.allocates credit based on need

question #3 credit cards were first introduced in the us

a. in the 1950%26#039;s

b.just after the world war 2

c.in the 1920%26#039;s

d. in the early twentheth centry

Economics heres some questions please help?debt consolidation loan

Hey. I hope my answers help.

1. A (Credit unions are owned by their customers, they pay less usually)

2. 2 (http://www.usurylaw.com/)

3. A (http://history1900s.about.com/b/a/110328...

Is there a way to contact True.com?

I signed up for a %26quot;free%26quot; offer True.com had a few months back. I used it that first day or two but then realized that it wasnt really what I was looking for. So I stopped kind of forgetting that you had to register your credit card for the free offer. Well last month I was looking through my statement and saw that they had taken almost 50. A while back I accidently deleted a bunch of emails-one being with my screen name. And in this time I had forgotten my true.com screen name and password. I have contacted them at least six times through their email forms in the past two months trying to cancel my service. And am not getting a response. In the mean time they have taken about $100 for a service I am not using. And are not responding back. I can not stand the thought of them taking more money next month. What can I do???

Is there a way to contact True.com?title loans

1800-0438-5031. That should do it for you.

Is there a way to contact True.com? loan

actually, you can. if you go to the better business bureau and type in their business name on a search, you can get their contact information. It might not be customer service, but they might lead you the right way. Here is the link to the search:

http://www.dallas.bbb.org/commonreport.h...

And here is their number:

(972) 402-4801

Settlement for a charged off account...?

If I have a credit card company that is offering me a settlement for a charge account that has been charged off, and I decide to pay the settlement will they remove this from my credit and allow my Beacon score to increase or how does it work any suggestions?

Settlement for a charged off account...?loan company

yes you should take it. First try to negotiate it down further, there%26#039;s never any harm in that. Next agree to pay the settlement if they agree to provide in writing that the settlement payment pays the account IN FULL. That%26#039;s important because if you pay less than the original debt they, or some attack dog collection agency, can at a later date come after you for the remainder, that%26#039;s been know to happen. Once you pay it off check your credit report to make sure that account has been taken out of collections and reflects paid in full.

Settlement for a charged off account...? loan

Nope. Your score will tank just like you had not paid it at all. So if you settle, settle for as little as possible, and get it in writing before sending money, and they do not get any access to your checking account. Credit card collectors are scum and liars....that%26#039;s their job.|||Go to www.suzeorman.com

this is a site about credit repair and maintenance, I believe that it is possible for you to still save your credit, if you ask them to remove their names off of your credit report, Suze has it on her site about how you should handle the whole situation. good luck.

Do you worry about paying your bills on time?

I always forget about paying my bills that I don%26#039;t see as important like mobile phone bills and internet bills. I put them on the fridge or leave them laying around somewhere and they always go overdue, I don%26#039;t really care because I know they wont cut off my service immediately anyway, for example my internet compant only offers direct debit from credit card to pay my bill. My credit card has only a $200 limit as it is for online purchases and we don%26#039;t want debt so I NEVER know when the net company is going to bill me and pretty much every time they try to take the money it is not in there and I fix them up a week later when they try again. Is this slackness going to affect us in a negative way?

Do you worry about paying your bills on time?commericial loan

I only worry about having money to pay my bills on time...want to lend me some of that 200,000.... :)

Actually, I keep a very detailed account of my spending each month. Before the new month (I already have September laid out) I create a list of what bills will need to be paid, when they are due, how much the monthly payment is, and if I have a total amount due (in the case of cc) I include that. As soon as I pay one off, I cross it off the list with a red marker. Once the payment clears with my bank, I put an X next to it.

Your habits will only affect you in the long run (as the first poster explained.) I know you are going to be getting a house, but for me (in an apt.) if I am late on my cable, phone, electricity, etc. it is grounds for them to terminate my lease. Also, if you were to let your phone bill go for a while, they can cancel your contract and demand full payment at once or they will pass it along to a collection agency (and that has happened to me as well....)

Do you worry about paying your bills on time?

loan

Yes overtime this will become habitual and will extend to other areas of your life.

Best way to do, say you are paid on 30th of every month, call up your gas company, electricity company, internet company, phone company, water company etc, and say, look, I am paid 30th of every month, I want to pay your bills immediately when I get paid. Instead of paying overdue bills, you are always on time, and you can pay by internet banking / phone banking in one go and you know you have enough money to cover your bills. The left over will be the real money left for you to save / spend.|||Thanks for reminding me. I have to go pay my phone bill|||Every time you are late on a bill you are hurting your credit score which will effect you later on in life

How can I earn money using the internet from home?

I don%26#039;t want the scam referral sites that request you complete offers and submit your credit card (regardless if they say free 7 day trial...why the credit card then?)

How can I earn money using the internet from home?emergency loan

It is actually possible to make money on the internet / work from home. Here is an article that discusses it truthfully - http://www.richkahmer.com/make-money-onl...

General piece of advice - do not pay anyone to give you the %26quot;opportunity%26quot; to take surveys, read email or surf the web.

How can I earn money using the internet from home?

loan

Have you seen HERO%26#039;S???|||ANOTHER ROCK?

SPAM ROLLING|||Well I have found a new site which pays you for just surfing the internet. You also get paid for the commission of every new visitors upto 3 Levels. You dont need to spend a single penny . So its all risk-Free.

Just click here

http://www.agloco.com/r/BBCC6928|||Read this blog.

I have received payments from each of the sites listed in it !|||Check these tutorilas about making money online.

http://www.ixdoctor.110mb.com/index.html|||The best site I have found is cash crate. Never ever do anything that asks for money upfront! Cash crate is a place where you get paid to do surveys/questionnaires or you can sign up for free offers. It can be a little repetitive filling out offers, but you can make anywhere from $40 - .40 per survey or offer you do. You get paid once a month as long as you earn over $10 a month. On average I make $12 an hour. You can sign up here if interested. http://www.*************/index.php?ref=1...

This is the most honest site I have found. It tells you up front exactly what is required for each survey or offer. Some offers may require a credit card to sign up, but it tells you ahead of time so you don%26#039;t waste your time filling out stuff. Unlike sites like panda research they wait until you fill everything out and then say oh you need a credit card. Now only a few require credit cards. I personally prefer to do the surveys, they are quick and the money adds up fast. They also have monthly contests where you can win more money! No I don%26#039;t guarantee you can quit your job, but it will bring in a few hundred a month if you do one hour a day! Referral program where you can earn 10-20%. Also, they have a list of online stores you can shop at and earn cash back, from 5-100% back. Even WAL-MART.com is on their list!

I am paying a car off. Is this the right way to go about it?

My daughter had to have a car after high school to be able to get to a job. She found the job, and there was no other way for her to get a car unless I funded the vehicle loan. We tried and I could not even listen to the swindlers in the payday loan business.

I recieved an offer on my Chase credit card for 4.6% until the balance is paid in full, so I bought her a $4,500 toyota with the card and she has remained faithful paying me $80 every 2 weeks.

We live in the middle of no where, so she had to have something reliable to drive to her Walmart job 25 miles away.

I was nervous about loaning her such a large sum of money, but the alternative was to watch her do nothing.

My daughter does not know I am paying $300 every 2 weeks along with the $80 she gives me on this car to get it paid off.

Did I do the right thing? She just lost her job at Walmart for starting a relationship with her manager. She has an interview at JC Penny. I was a single mother and her dad does not help her

I am paying a car off. Is this the right way to go about it?credit bureau

Auto finance is what I do for a living and I agree with john m.

Stay on your daughter and make sure she repays you in full.

From what you say, it seems your daughter sometimes doe%26#039;s not make sound decisions. Do not bail her out.

I am paying a car off. Is this the right way to go about it?

loan

I think you are ebing the best parent you can be. I wouldn%26#039;t tell her that you have been paying on it though. Make sure she thinks it is her responsibility to pay it off in full. I would give her an ultimatum also. If she can%26#039;t get a job and pay for it she doesn%26#039;t get to keep the car it becomes yours. That way she knows you mean business and your not just giving it to her.|||Why are you paying such a large amount each month.

Extend to loan term and although you may pay more interest you can at least afford the payments.

Talk to the credit card company they will be eager to assist.

Good Luck|||It%26#039;s certainly not my place to tell you if you did right or not. I will say that I believe you%26#039;re handling the car%26#039;s financing well. I would also recommend that you stay on your daughter to make sure she repays you the full balance. There is no value in being carried along at her age. She needs to build confidence in her ability to take care of herself.

I%26#039;ll bet you%26#039;re a good mom.|||Hi,

Hi, you should go for a refinancing to get a better interest rate. This will reduce your monthly commitment to a great extent. You can visit http://www.autoloanguide.info for some useful tips. Good luck!|||keep paying ,do not let her know. when the credit card is paid off. keep collecting from her till her note is paid off she needs to learn responsibility.|||You are doing it out of love but I think it is not an intelligent idea.

Settlement Debts OR Bankruptcy?

I just accepted an offer to settle a credit card debt, at the end of the disclaimer, they slipped in that the IRS would be sending a letter because the portion not paid due is now taxable. And at first, I was understanding that on my credit report it would say %26#039;account settled for a lesser amount,%26#039; that this was not to be a negative mark, but I was told that it will in fact leave a negative mark. So my question is should I consider filing bankruptcy instead of taking the option for settlement, then get taxed on the remaining amount from IRS?

Settlement Debts OR Bankruptcy?child tax credit

Honestly...it does not really benefit you to pay debt that is already listed as negative on your credit report. Although the debt is old, you are still legally responsible for it. Ch. 7 bankruptcy may be an option for you as it will erase the negative charged off debt and help with you debt to income ratio. Despite what some of the responders may say, you can recover from bankruptcy. It is possible and easy to reestablish and obtain credit after bankruptcy. Hoped this helped.

Settlement Debts OR Bankruptcy? loan

If you file chapter 7 you will not be billed by the IRS on credit card debt. They will bill you if you have borrowed a second mortgage and then defaulted. A bankruptcy won%26#039;t be much worse on your credit than a settlement.|||i don%26#039;t know about the bankruptcy part. as for the settlement, if the settlement is greater than $600 (i think), than you%26#039;ll get a 1099. you%26#039;ll need to report that as income to the irs. depending on your tax situation %26amp; deductions, it may be to your benefit.

from personal experience, i received 1099 totaling $7000; however, because of my tax situation %26amp; itemized deductions, it only cost me $500--meaning my refund was reduced by $500.

good luck

What payment options does Gateway offer?

I want to order a laptop from gateway.com and all they mention is credit card. I tried chatting with a sales person but he/she couldn%26#039;t help me. Do you know what payment options do they offer at gateway.com besides credit card. I don%26#039;t feel like using my credit card online right now.

What payment options does Gateway offer?mortgage lenders

You can apply for Gateway%26#039;s credit financing when you place your order online. I think it%26#039;s through Citibank.

Where can i get a free wii without being 17 yet?

i went to yournintendowii4free.com and free nintendo wii.com but i have to pay for an offer or have a credit card were can i go to get one without the hassle

Where can i get a free wii without being 17 yet?unemployment rate

Go to someones house and steal it.

Where can i get a free wii without being 17 yet? loan

agree with the first guy... No one is just going to hand out a free Wii. And the online ads for a free anything is a ridic. gimick that makes you go around in circles and you end up with a bunch of spam...

just save some money.|||theres always a catch there is no way in hell someone would give away anything for free ( unless it was completely useless)

so stop being so cheap and just stop dreaming cos u aint gonna get a free wii|||Nobody ever gives out a wii for free.|||Keep in mind that those free* wii offers have so many strings attached, you might as well save your dimes and buy one|||same as all the other answers|||Um...............if you have to pay for an offer, it%26#039;s not free. You%26#039;d end up spending more on %26quot;offers%26quot; than you%26#039;d pay if you just bought the console. And giving some random website your credit card number is one of the dumbest things you could ever do.

You%26#039;re not going to get a free Wii unless you win one from a contest or someone gives it to you as a present. I don%26#039;t know of any legit contests that are giving away Wiis right now.|||This site is great for getting a free wii from!! Also you dont need to have a credit card to do the offers as there are loads of cell phone offers on there!!

http://gifts.freepay.com/?r=43721994

This site is open to BOTH UK AND USA RESIDENTS!

When you sign up, DONT do any offers until you get to your account page, because only the offers in your account count. The offers during the sign up process dont count, if you need any help message me!

**HOW THESE SITES WORK**

These sites work because the referral sites get paid a commission by the sites you do the offer on and with this money they buy your gift and have enough money left over to have as profit for them!!

If in doubt check freepay on wikipedia, they%26#039;ve been trading for years and are a legit company.

Ancestry.com?

How easy is it to cancel a membership to Ancestry.com? I%26#039;m interested in a 14 day free trial they%26#039;re offering. They want my credit card number and say I can cancel at any time, but I know some of these places make that VERY difficult. Has anyone ever canceled an Ancestry.com account and if so, how difficult/easy was it? Also, do the amount of records they have available make it worth the cost?

Thanks!

Ancestry.com?credit card offers

Before you do this, you might check out your county library (and not for books!) My library has a FREE link to ancestry.com that gets you access to everything ... It has saved me a ton of money! Just call the reference desk at the library and they should be able to help you.

Ancestry.com? loan

It was pretty easy for me to cancel. I didn%26#039;t have any problems. They tried to keep me, but I was done with what I needed and left. The sales person I talked to wasn%26#039;t very good at being persuasive. As for what they have on their site, it is worth it for awhile. They have all the census records indexed and all digitized. It is easy to navigate. As for the rest, you might some find some things, but then you might not find a lot. They have been trying to get more onto their website, but there are so many records in existence, it would take a lifetime to put them all on-line. It is a great place to start and you might stay there for a couple of months, but after-wards, you will still have to find other places to find records, which is fine, genealogy should be a lifetime pursuit anyway.|||It%26#039;s really easy to cancel, my friend did. I myself went onto the world collection, and I love it. I am very satisfied with the service I get, wouldn%26#039;t want to cancel.|||very easy, No Tronble at all.

I%26#039;ve done it before. Remember it is only free once!

I think it is worth the cost!

If you notice most of the %26quot;Free%26quot; sites have links to Ancestry.com. They are the first and I think the best and they are always adding new stuff.

I keep my %26quot;Free%26quot; tree as well and try to keep it up dated so I will get contacts from people who are searching for the same family as I am and are new or aren%26#039;t on ancestry.com but I get a lot more contacts from ANCESTRY.COM

If you have the money to spare then Start on Ancestry.com and stay with it. You will be able to built faster and find record easier.|||Yes the records are worth the cost. I never tried the freebie so I don%26#039;t have cancellation experience but they%26#039;re good to do business with. What you may want to do after the 14day is sign back up for the minimal of census %26amp; whatever goes with that. You%26#039;ll always want to be chasing down someone you%26#039;re hot on the trail of, on census at 1:15 AM in your tee %26amp; jammies.

You can find other ways to access census but none with what ancestry.com has to offer - so far.|||Justme is right. Many libraries have access to Ancestry.com or Heritagequest, both of which carry the census. I have had the free trial and cancelled it with little effort. The thing to remember is that you have to cancel BEFORE the 14 days is up, or they will charge your credit card. I did the free trial a few years ago. The reason why I cancelled then was because I didn%26#039;t feel like the number of records on Ancestry.com justified the cost; however, when I came back to it, they had a whole lot more. They are constantly adding new material every month. I think it is totally worth it now. Also keep in mind that they have different packages. If you think that you will benefit only from the U.S. or U.K. collection and not the whole %26quot;World%26quot; package, there is a cheaper rate you can pay.

If you cancel, they will of course try to keep you like any other company out there tries to keep its customers, but stick to your guns if you are adamant on leaving. Many customer service departments are trained to hear the word no from a customer a certain number of times before they complete cancellation. Good luck.|||Of course when you call to cancel, they will try to sell you different types of subscriptions (one that costs less for these databases only, one that costs less if you do a full year subscription, etc.). But if you simply repond, %26quot;No thank you, I%26#039;m sure I%26#039;d like to cancel%26quot;, then you should have no problem cancelling your account.

Is it worth the cost? It all depends on how much you will use it. I think it%26#039;s worth the cost because I use it every week for census records, etc. My advice is to really dig into it during your two week free trial and see if it%26#039;s something that you would pay for on a regular basis.

Good luck,

Dave

--

http://www.familypulse.org

Good way to get back at someone revenge!!!!!?

if you know the persons phone humber sign them up for internet offers ( nothing with there credit cards just there phone numbers) and sign them up, they will get hit with telemarketers straigth to there cell phone!!!!! it works like 10 a day!!!

Good way to get back at someone revenge!!!!!?credit check

umm thats lame and childish if you ask me. revenge is a dish best served cold. in other words, if you%26#039;re going to get revenge, wait until your not angry any more because it would probably work better that way. otherwise my suggestion to you my friend would be to not get revenge at all. revenge is not the greatest thing.

Good way to get back at someone revenge!!!!!? loan

Also, if you have their address, sign them up for free catalog mailings, catalogs.com is great for that!|||A gay porn subscription usually gets under the skin too !

Schwab's exposure to subprime ?

Charles Schwab offers home loans and credit cards. I like their brokerage services. What is their overall financial health?

Thank You

Schwab%26#039;s exposure to subprime ?student finance

It seems there exposure is not very significant according to this businessweek article.

The last time I rented a car, I was asked if I was taking it out of state. Just another ploy to add

I wasn%26#039;t asked this before, as far as I can recall. I have good personal insurance, so I decline the extra insurance offered.

I use a credit card (of course).

Live in Tennessee.

The last time I rented a car, I was asked if I was taking it out of state. Just another ploy to add charges?credit union

The reason they ask you for your credit card is to protect you and them for several reasons one is to make sure you do not take the car to Mexico, if you do then you are soley responsible for it for getting stolen and damaged. Mexico is very well known to do distructed things to other peoples cars there. and also another reason is in case you get stuck in another state who is going to get you another car? Ok you are in tennessee, if you drive unlimited mileage to Florida and you get into a wreck and how are you going to get back to Tennessee? Its not a ploy to get you to pay more. Believe me its not. but I will tell you is this. Read your contract very well. Also Make sure your car that you are rented is without ding, bangs damages and let them see it, if it is, tell them before you drive it away. and make sure you fill up the tank before you bring it back or they will charge you 4.50 per gallon a gas. Also read the contract closely the tiniest small print and dont let them take you, If you made the reservation to pay for a car sub compact for 199.00 a week that is 7 full days and the bring the car back before 12 that next day you should not be charged more than the amount plus taxes and other fees, the fees are for cleaning the car, tax fees in your state, and if you do take the car out of state there are out of state taxes too. if they give you a bunch of crap you can report them to the BBB AND STATE ATTORNEYS OFFICE in your town. I know it happened to me ten years ago.Make copies of everything if it does not feel right you have a right to complain about it and get it done right your cc card compan will stand by you. NOTE: Get peoples names by the time you complain they do not work there anymore mostly all of these agents are sub contracted out of the area.

The last time I rented a car, I was asked if I was taking it out of state. Just another ploy to add charges? loan

Since your rental car is registered in the state you%26#039;ve rented it they try to keep their cars in their own states. If you hire one in Vermont and drop it of in New York you might have to pay additional charges for the transfer of that car back to Vermont.|||Their insurance is based on States of operation. They need to know because it affects their rates and, of course, yours too.|||To protect themselves...

Say I rent a car in Michigan for two weeks...get unlimited miles....that%26#039;s good....drive it to Miami....2500 miles round trip...that%26#039;s bad for the car rent agency..

Are those ipod/ibook/random electronic gadget giveaways worth it?

You know the ones, like gadget city or ones that pop up on your email and what not, where you have to sign up with 2 or 3 offers, like columbia house, credit cards or netflix or whatnot...

are they worth it?

anyone sucessfully get stuff thru them without an ENDLESS amount of hassle? i mean, i%26#039;m willing to jump thru a few hoops if it means i get a G5 (or even G4) Ibook, you know?

Are those ipod/ibook/random electronic gadget giveaways worth it?heart rate

It depends if you feel the %26quot;requirements%26quot; are worth it for you, as well as the ENORMOUS amount of Junk Mail you will get as you will then be entered into copious lists. I would recommend opening an email address specifically for such things so your regular email isn%26#039;t inundated with garbage.

I found with the few times that I was going to do it it seemed like I was going to spend more than the product and would have wound up doing things that I wouldn%26#039;t normally do or sign up for...

But good luck

Are those ipod/ibook/random electronic gadget giveaways worth it?

loan

NOOOOOO! Stay away from POP UP Ads!! Very,VERY bad. Not only can they bring spyware and/or viruses...they also ask for a TON of personal info...require you to do stuff and it leads you around in circles without a payoff. Stay clear! %26quot;If something looks too good to be true, it usually is.%26quot;|||Definately not. Trust me, it IS and endless amount of hassle. After about twelve thousand phone calls, I just gave up.

[marshmallow]|||Don%26#039;t fall for it you will end up with endless amounts of spam. The first thing they ask is for your e-mail address. Don%26#039;t put it in there. Most of them have rules and if you can read though all the boring pages it states it is a drawing to win. So, even though they have said it%26#039;s yours it%26#039;s not. The odds of winning one is not worth the millions and I do mean millions of spam you will receive.|||nooooooooooooooo|||You aren%26#039;t getting it for free. You are giving them information in returun. Usually you have to provide something ridiculous right at the end after you have given them a lot of juicy info.

If you want a first mortgage on a house you own you can get about anything as a prize.

6,000 + bulk emails--how to get ri d of ? 1 to 2 wins of $1,000,000 or more same yahoo i am disguste

no excuse for thousands of offers for loans,schools,credit cards,dates--

6,000 + bulk emails--how to get ri d of ? 1 to 2 wins of $1,000,000 or more same yahoo i am disgusted---?credit counseling

It is all in your control to stop. Spam filter settings, including blocking all %26quot;spam%26quot; from your inbox.

Also stop giving your email address everywhere. It is the biggest factor people over look.

6,000 + bulk emails--how to get ri d of ? 1 to 2 wins of $1,000,000 or more same yahoo i am disgusted---?

loan

Just delte them all, empty your bulk folder. They%26#039;re probably jsut scams anyway|||delete them and highlight all of them and press mark as spam before deleting|||People get bad mail on all of the providers

not just Yahoo.

Go to your mailbox and down the left hand

side click on the tab%26quot;empty%26quot;beside your bulk

mail.

that will do it.

good luck.

c yah.

Is there any site which has completely free offers for music?

hay i was wondering .is there any web which allows the user to access to the latest music for free .%26gt;? i mean not even paypal neither any of those credit or debit card **** ?

because i don have any paypal service and not even enough money for that! so mail me if u have okay

thanks

Is there any site which has completely free offers for music?credit repair

u could listen to latest song for free,but not download.

Is there any site which has completely free offers for music? loan

It might be the following:|||Yahoo! music or Launch has free music you can listen to. They have a great personalized radio station where you pick the kind of music you like. If you live in America, but go to the .co.uk version of it you get to listen commercial free since they figure there is no point in playing you British commercials if you live in the US!

The only other way of downloading free music is to steal it by illegally downloading it from a file share system. A good one is LimeWire.

If I try out the Lovefilm free 14 day trial, can I safely cancel in time and not lose any money?

Lovefilm offer a free 14 day tiral if you give them your credit card details, here%26#039;s the faq%26#039;s on their website:

http://www.lovefilm.com/help/dyn_faqs.ht...

I don%26#039;t like to give my credit card details to companies that offer a %26quot;free trial%26quot; in case they take some money from my credit card, even if I cancel the subscription before the end of the free trial. Can I guarantee that Lovefilm will not do this? I have heard it happen on other websites and people lost their money from their credit card account.

If I try out the Lovefilm free 14 day trial, can I safely cancel in time and not lose any money?postage rate

u can watch movies here for free no signing up nothing

http://www.watch-movies.net/release_date...

If I try out the Lovefilm free 14 day trial, can I safely cancel in time and not lose any money?

loan

don,t give them credite card no|||hi bobcat what the (boss) told you about there is no signing up are nothing is not true if you go to the site the boss just gave you go to the bottom at the right hand side in when you click on contact it will asks you to sign up e-mail address in your url in the movie you want to watch

www.watch-movies.net%26lt;%26lt;%26lt;%26lt;%26lt;there is signing up to this site

Is it better to take a settlement offer or pay off the full amount owed?

I%26#039;ve used several credit cards negligently in my youth. Now, many of them have sold my account to a 3rd party. Most of these 3rd parties are reaching out to me with settlement offers and different types of payment plans to pay only a portion of the debt back.

Is it better for my credit to take those offers or opt to pay the balance in full on my own timetable?

Is it better to take a settlement offer or pay off the full amount owed?honda finance

Depends. If they offer you a settlement and you pay it, they may write settlement on your credit report. Although the account was paid in full, it was still settled. If you offer to make payments in full on their time table, all is good. If you do it on yours, your credit will continue to go down.

All and all, since they went to collections, your credit is already shot. If you want to get out from under it and start anew, just settle and be done with it. It will still be on your credit for 7 years.

Is it better to take a settlement offer or pay off the full amount owed?

loan

Hi,

I used %26quot;Credit Solution%26quot; to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It%26#039;s legitimate.I came across this company on NBC News Special Edition.Check it out here:

http://memurl.com/furetu

Transfer balances?

My husband returned from Iraq with a $9,000 balance on one of his USAA (military) credit cards. We paid off $3,000. We%26#039;re constantly recieving credit card%26#039;s in the mail, offering us 0% APR for up to 12 months. My mother has suggested we transfer our current balance from the USAA credit card to one of the 0% APR credit cards. This way we pay off as much as we can till the 0% is over in those 12 months, at least we won%26#039;t be paying interest. However, as soon as the 12 months are over, cancel that card and do it with another one. Is this how it works? Is this even possible?

Transfer balances?heart rate monitor

It %26quot;might%26quot; be a good idea, only if pay it all off within the intro period and have it on one card only. Too many open-and-closed accounts within a short period of time, as well as frequent transfer balances, adversely effect your credit rating. However, those %26quot;pre-approved%26quot; offers are not exactly what they seem. You%26#039;ll get the 0% interest, but unless you have excellent credit history, you won%26#039;t get the $9000 credit-line you%26#039;ll be asking for. You%26#039;ll most likely get something much smaller. If you decide to do it: apply by phone. That way, you will know immediately if they%26#039;ll give you the $9000 credit-line, or something close to it. If they won%26#039;t...don%26#039;t open one.

Transfer balances? loanNo problem! The only reason I know this is because I learnt the hard way. Good luck! Report It

|||Possible, but read all the fine print.

My husband did that with a card and if you made any new purchases with the card, that rate was extrememly high and the payments kept going to pay off the 0% portion so the interest charges kept getting higher on the new purchases.

Also, some of them hope you forget and then charge back interest if you don%26#039;t have the full balance paid off in the 12 months.

Sometimes it can look bad on your credit rating if you play the balance transfer game too much.|||Yes, many people do it. Play them at their own game. They have no hesitation in exploiting you.

I received this e-mail FREE* TOSHIBA LAPTOP -Offer Confirmation! Is t it REALLY free?

I%26#039;ve received a million of these offers. Do any of them come without strings? Everyone I%26#039;ve seen so far requires me to join something for a months %26quot;free%26quot; trial. Of course the offers require me giving them a credit card so they automatically keep billing me. It%26#039;s usually hard to cancel them. By the time I cancel my %26quot;trial%26quot; they usually get at least a months payment from me. If I do sign up for the 2 or 3 offers, do I REALLY get a computer. If so, does it take a long time to get it?

I received this e-mail FREE* TOSHIBA LAPTOP -Offer Confirmation! Is t it REALLY free?credit card debt

SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM IS WHAT IT IS!!!!!!!!!!

I received this e-mail FREE* TOSHIBA LAPTOP -Offer Confirmation! Is t it REALLY free? loan

Most of them are fake, spam rubbish! I doubt that any of them have sort of free anything about them!!!

I think that what they are is an incentive to get you to join their site, or club or to take part in an offer.

Follow the basic rule for the internet.

IF it%26#039;s too good to be true, then it is!|||NO NO WAY! That%26#039;s spam usually...and moreover it cand be a fake site and can steal money from your bank account...u should know internet is full of this kind of s%26gt;%26gt;%26gt; ...hope I%26#039;ve made myself clear...don%26#039;t give your PIN%26amp;stuff data 2 any site on internet...|||ABSOLUTELY NOTHING IS FREE !!!

Once they get your cc info - you will be at their mercy and who knows what will be charged or really who you are giving that info to!!!|||Nope. It%26#039;s just a scam. Don%26#039;t believe anything you get by e-mail!|||Depends on the company. it may not be free as u r getting billed for it which will go towards the PC and u will probably have to pay for postage and packaging. but its your decision.|||It is actually possible to get the laptop. It isn%26#039;t really free though. What they ask you to do is signup to other paid services in return for the laptop. This is perfect if you were going to sign up to the services they offer anyway but if not then it%26#039;s cheaper to buy 1.|||no way, i wouldn%26#039;t trust none of them they want all info on you which could be bad in one way, and i have never met someone who won nothing like that. just like pch (publish clearing house)

Totally FREE ipods (ipod touch, nano, video, or even music cards)!!!!?

hey, i recently found out about a website that is totally legit and is not a scam, so ive heard. All you do is go to www.ipods.freepay.com (freeipods.com) choose an ipod/music money card, subscribe one of the offers, and refer five friends! so easy!

The ipod is totally free and ive been told its not a scam.YOU DONT GIVE OUT ANY CREDIT CARD NUMBERS, but you give out your address just so it can be sent to you. Although the ipod is free you have to subscribe, and after one month you can unsubscribe. THE SHIPPING IS FREE TOO! how cool!?

So, im telling you this for two reasons. For one, i would like to share the excitement, and give you a chance to get a free ipod. Second, i need five people to do the same as me so i can refer them, so i can get my ipod too! If you would like a free ipod, email me at debras123@yahoo.com!

I would really appreciate it! =]

PS if your wondering how the company can give away ipods or even why they are giving out ipods watch this video http://www.youtube.

Totally FREE ipods (ipod touch, nano, video, or even music cards)!!!!?care credit

Just to let you know, it%26#039;s not completely free. You have to complete offers, and all 5 of the people have to complete an offer as well.

Totally FREE ipods (ipod touch, nano, video, or even music cards)!!!!? loan

I get points for writing this!

ps this is a scam, i wouldnt try it|||if you just complete a few quick tasks on this site they%26#039;ll send you an ipod, completely free of charge!!|||Only 1 site has been proven legit. Sites like freeofferspot are taking the newscasts and watermarking their logo onto the bottom of the screen when the story in the video really has nothing to do with them. To visit the site the newscasts are talking about, follow this link:

http://ipods.freepay.com/?r=43167814

For the newscasts follow this link:

http://www.youtube.com/watch?v=4h0cWB_iV...

Ignore the freeofferspot.com logo. Like I said, they%26#039;re taking credit when the newscast does not even involve them.

For the full G4TV video, follow this link:

http://www.youtube.com/watch?v=iZMaP73Uc...

As for the process, that itself is rather straightfoward.

(1. Go to http://www.youtube.com/watch?v=iZMaP73Uc...

(2. Create an account by simply entering your email address and a password. You will then have to enter your shipping info.

(3. Complete one of the offers listed in order to finish registering your account. Note that immediate cancellation of any offer runs a really good risk of the site finding out through the sponsor, which will result in them putting a hold on your account. My advice would be to stick with whatever offer you pick until you%26#039;re ipod actually arrives at your house.

( I reccomend the ringtone one as all you need is your cellphone number, so you don%26#039;t run the risk that you do when putting your credit card information into an online site.)

(4. Refer 5 friends using your unique referral link. In order to recieve credit, they must all complete at least 1 of the listed offers.

(5. Submit your account for review once you have 5 referrals. They will then check your account as well as your referrals to make sure that everyone abided by the Terms and Conditions.

(6. Once approved, you can cash in your referrals for a free ipod.

Also, I do trade referrals if you are trying to get something off of one of those less reputable sites. Email me at blackdraggie@hotmail.com if interested. But please note that I will not sign up and give you a referral until you complete an offer on my site and my account is credited.

How to Make a Get Paid To Website?

I want to make a website like treasure trooper. You know they sites where you do the offers, sign up with your credit card, and make money from doing the offer. Are there any books on this type of website? Are there any websites or forums that will help with making a website like this? Also, how do websites like treasure trooper get advertisers to put offers on their websites? any help will be appreciate.

How to Make a Get Paid To Website?inflation rate

Are you interesting in learning how to build your own website, or are you looking to hire someone to do it for you. If you are interested in learning to do it yourself, checkout http://imnononsense.wordpress.com I just posted a brief overview of DIY Mini Site which is free BTW so it won%26#039;t cost you anything.

You can learn how to create your own mini site or possibly turn it into a home-based business in no time at all. Believe me it really is very simple to build a mini site.

You don%26#039;t need any experience at all, I just sent a great deal of money on a mini site creator course. I was totally amazed at how easy it is to get a website up and running in less than a few hours. Good luck

:)

How to Make a Get Paid To Website?

loan

Why do you want to make that site over others...go learn web design or hire someone,,,but if you think (as you do) that this would be in a book then you%26#039;ve got lots of work to do.

Are all those survey sites legit?

Okay, I%26#039;ve seen alot of them like cash crate, treasure trooper and other ones like that, but some of those surveys just want you to complete offers, and you need a credit card (which I don%26#039;t have). But I just wanted to know if they really work and they do pay you or if you just take survey after survey and they make you go in circles of %26quot;free%26quot; offers and stuff and if its all just a bunch of BS, because I really do want a little extra spending money and I cant really work until Feb. when I turn 16.

Are all those survey sites legit?credit bureau

The rule, as always, is to stay away from those that ask you to pay before you can get these surveys.

Legitimate market survey companies such as Pinecone Research recruit members based on demographic characteristics -- e.g. mothers of babies 0-12 years old -- and will send surveys of products and services targeting this demographic group. Pinecone Research, however, pays only $5 per survey -- you%26#039;re definitely not going to be rich with that. They can give you anywhere from 1-5 at most surveys in a month.

Other companies simply ask you to answer as many research as possible, and you don%26#039;t earn anything just the chance to win at a raffle (which I find lame).

Pinecone Research http://www.pineconeresearch.com

GreenField Online http://www.greenfieldonline.com

Harris Poll Online http://www.harrispollonline.com

BuzzBack http://www.buzzback.com

SurveySite http://www.surveysite.com

SurveySavvy http://www.surveysavvy.com

Survey Spot http://www.surveyspot.com/

http://www.internetpaidsurveys.com/

Are all those survey sites legit?

loan

i personally dont trust them myself|||STAY AWAY 90% ARE SCAMS!|||Most of the are scams and you will be wasting your time.|||I joined a LOT of those survey sites and I have done approximately 200 surveys and have yet to receive ANY money from them. OK, but they will say that I did not COMPLETE any surveys (which is technically true) because I did not qualify in the group they were looking to survey. I did the preliminary info surveys that they use to determine if you are who they want and some of them take 10 minutes or so.. so I count them as taking a survey!! I started to keep track of them on my website http://www.tom-olsen.com but after entering the info I stopped keeping track for a while ( I had already done the 200 + surveys BEFORE I started the tracking on my site).. I also added in some that I think are SCAMS.. because they want YOU to PAY.. which is bogus to me. I figure any legitimate survey company will not charge me for info.. neither would someone who recruits me for a legit company...

best bet... don%26#039;t do them.. you will just get LOTS of junk email and you will keep getting it until your email account is closed.. I joined using a throwaway account which I will dump soon.|||This website is earn through by reading emails.You can try this website,

http://www.emailcashpro.com/?r=RUI080905|||SurveySavvy is awesome. It%26#039;s totally free to sign up! I%26#039;ve received several checks from them already from surveys they have invited me to take. They are also a member of the Better Business Bureau.

P.S. You also get paid for each survey your referrals take so have your friends and family sign up to!

To sign up, click on the following link:

http://www.surveysavvy.com/ss/ss_index.p...

How about them online surveys? Does it ever pay or just lure in suckers?

I just wasted 40 minuntes trying to get a $50 gift card and found at the end you MUST take one of the offers and put in your credit card info...NOT ME. anyone ever got a payoff?

How about them online surveys? Does it ever pay or just lure in suckers?child tax credit

Those things are all scams sweetie. Don%26#039;t waste your time. Offers my ****! An %26quot;offer%26quot; something you%26#039;re free to decline.

How about them online surveys? Does it ever pay or just lure in suckers? loan

they%26#039;re just traps.|||They are not legit! Dont spend anymore time on them! I have wasted over 40 hrs trying to see if I could get any money from them! What a joke!|||Most of them don%26#039;t pay but I%26#039;ve gotten paid from a couple.|||i found the same crap, there are some sites that pay like $5 for a survey, but you have to wait until they send you one that you %26#039;qualify%26#039; for, then you waste 10 minutes for them to tell you that you don%26#039;t qualify. on harris polls you get points to put toward cheesy purchases. on the whole i think they are a waste of time.

How can i get people to sign up?

i am into these freebie sites and i cant figure out why people wont sign up as my referral..

all thats required is that the person signs up and completes 1 100% free offer and there isent even a credit card required.

i have even tried bribing people with $5.00 but still nothing.

i made a website and that gave me 2 complete referrals.

what would it take for you to sign up as a refarral to eone if the site does not require an e-mail adress, no credit card required, and there are free offers?

How can i get people to sign up?mortgage lenders

you gotta be different. there are always tons of offers that say %26quot;free%26quot; and blah blah so no one pays attention. i would say to start with people you know and hope it spreads from there.

Where can I find free song downloads?

Like Carrie Underwood, Dierks Bentley, Tim McGraw, Ash And Such. There are specific Songs i%26#039;m looking for. But I don%26#039;t really want to have to complete any stupid offers or give them my credit card number.

Where can I find free song downloads?unemployment rate

try Limewire

Where can I find free song downloads? loan

limewire|||Limewire is the bomb|||Limeware.com|||Ares works for me...u can get all those songs and the service is free|||type these in your browser...download the free software...and get your songs

limewire

OR

WinMx

have had a horrible time with imesh, morpheus,and some others I cannot recal..If I do ...I will come back and add them...|||try imesh( www.imesh.com)|||try www.seekasong.com

or

sharing software like : LimeWire, BearShare

you could get almost everything you want from other users directly|||limewire.com.....it really works and really fast too.|||You could be breaching copyright laws by downloading stuff like that!|||Try Limewire, you will have to download their client to start downloading|||FREE MUSIC %26amp; VIDEOS

Over 1500 free music videos for you to see

http://www.1500videos.com/

http://freemusic.online-precision.com/

http://music.clevver.com/

http://emusic.co.in/

http://www.mp3.com/

http://www.bearshare.com/

LIMWIRE LINK.

http://www.limewire.com/

http://www.airmp3.net/

http://www.somesongs.com/

http://aresgalaxy.sourceforge.net/

http://www.bet.com/

http://www.soundclick.com/

http://www.webjay.org/

http://www.sony.co.in/

http://www.cooltoad.com/

http://www.epitonic.com/

http://legacyrecordings.com/

http://emusic.co.in/

http://www.airmp3.net/

http://www.sheetmusicfox.com/

http://www.emusic.com/

http://www.purevolume.com/

Good luck.

Kevin, Liverpool, England.|||bearshare.com|||download limewire its easy i have it

Do you know of any ways to make money online that do not require ANY money to start?

I am trying to find out if there are any good ways to make money online that do not require money to start with. I also wonder about all these ones where you are %26quot;paid to read%26quot; the emails or whatever, because then you actually have to complete the offers, like apply for a credit card or buy something or whatever.

This is NOT free!

I want to know of a job that I could do online that I do not have to pay to do it. When was the last time you went to a job interview and they told you they would give you a job if you just give them $39.95 first? It just doesn%26#039;t happen. You don%26#039;t PAY to get a JOB.

I need a job online and I don%26#039;t want to pay -- is that too much to ask?

Do you know of any ways to make money online that do not require ANY money to start?

If you can write at all you can go to several writing websites

helium

Associated Content

constant content

gather

thisisby.us

just to name a few

all are free to use

Do you know of any ways to make money online that do not require ANY money to start?

loan

hi try to join affiliate program

try look at this site

you will discover many information how to start make money online it free

http://paysharedirect.com/aff/... Report It

|||I am in the exact situation as you...I have been searching the internet so many times but havent come across anything that doesnt look like theres a scam involved..I too await the answers you recieve and if you come across anything please let me know so maybe we could both try it out..fingers crossed lol|||If you want to work from your computer at home, you are probably going to have to do it as a business owner, rather than as an employee. There are no online work-at-home %26quot;jobs%26quot;.

When you apply for a job offline, in the bricks and mortar world, do you have to pay anything? Of course not. It should be the same in the online world. If you are asked to pay any money, at best, it is a business opportunity, but more likely it is just a scam.

Be very careful that you don%26#039;t get scammed.

I do affiliate marketing online. I%26#039;ve been doing it for a year and I%26#039;m getting ready to quit my regular job, as I am now making over $10k per month. It takes dedicated work, at minimum a small amount of initial working capital, decent organizational skills, and persistence, but you can make a living at it if you stick with it.

But that is a business.

If you want something easy, with no investment, you could probably make $500 to $1000 per month getting paid by companies to write postings on blogs about their products. That%26#039;s about the only legitimate way that I know of to earn money online without any investment.

Good luck to you.|||this site pays you to surf the through their sponsors. but it pays quite low. more info at:

http://www.surfjunky.com/?r=arcaderat100|||http://r.yuwie.com/babydolltracy_361

this site is like a myspace but you get paid for people who view your profile or blog, how many friends you have, referrals and those they refer. I made money. You don%26#039;t have to have money to start off with to use this so try it out it won%26#039;t hurt to make friends along the way!|||Try a bunch of things together.

www.freebyte.com/makemoney/

http://www.clickthroughme.com - you get a free member page, if you get others or yourself to shop through your page you earn commissions.|||You could try easymazuma http://www.easymazuma.com/index.php?id=8...

easymazuma is completely free and pays out fast. you are not required to fill out forms for credit cards to earn money either. easymazuma also has refferal levels and loads of offers that complete quickly like the MID offers, very easy to earn money and the staff is extremely nice. It pays out with either paypal or amazon giftcards. If you have any questions you can email me at hopekori@hotmail.com|||Hi AnimalLover,

I created the Income Team Builder with folks like you in mind.

The residual income program (charges a monthly fee) will provide you with a monthly income as your team grows.

I don%26#039;t like the paid survey and offer deals because I know I would forget to cancel my trial offer before the period is up and survey sites provide your home mailing address to EVERYONE. I don%26#039;t need anymore junk email.

I do recommend the paid to read programs because there is no catch other than you have to click forever sometimes just earn 2 cents.

What I have done is take a handful of the PTC programs that pay higher, combined them with the residual income program into one system that lets you build both. I included an action plan that requires you to invest 2 hours and 15 minutes per day, Monday thru Friday. This will allow YOU to earn enough to pay for the residual income program (which you will find very useful as well BTW) and promote to build your team.

Although you will earn commissions for your referrals, I wanted a system where you would focus more on earning your own versus depending on others.

Taking the focus off the money, keeps you honest I think.

So, now you CAN make money without spending up front. I invite you to try out the system (free) and do keep in touch with me either via email or through the member forum. I will help to achieve whatever it is you%26#039;re looking for.

Cheers,

Ed|||look at my profile, and visit the site under %26quot;about me%26quot;...sign up there....here is some information about the site:

This is a site from which you are given the chance to earn money. What you have to do is complete surveys and offers for companies that want the public%26#039;s opinion. By doing this, you are able to earn money very easily for simply giving your opinion or trying out sample products. This is a great service that allows one to work from home, on their spare time, at their leisure, and still bring in a nice sum of money every month. People have made up to $1000 easily on this site by just working on it in their spare time. It is not going to replace a real job%26#039;s salary, but it is a very nice bonus. There are also many features on this web site, such as contests and special surveys, from which you can redeem extra prizes that would be sent to you with your monthly cheque, such as iPods, Xbox 360s, PSPs, digital cameras, gift certificates, and much more.

Cheques are sent monthly, and usually arrive about a week or a week and a half into the next month. No payment from you is ever required, not to sign up, not EVER. Unlike other sites that try to scam people out of their money, this site never requires you to pay them.

%26quot;If the site doesn%26#039;t get paid from me, then why would they have this service going?%26quot; - The site doesn%26#039;t get paid directly from you, but when you complete an offer or survey, they also get paid a small portion of what you earned yourself. For example, if you complete a survey about computers let%26#039;s say, you would earn maybe $2 and the web site itself would recieve $0.50 from the company also for getting you to complete the survey. These surveys take little time at all, most taking up less than even 1 or 2 minutes of your time.

Fraud is also a big deal on the Internet these days, and this site recognizes that. That is why they ask for ONLY three bits of information: Your name, email address and your home address. Yup, that is all. No credit card information, no banking information, nothing like that. All they require is your name and address so that your cheque can be sent to your home every month. Your email address is only required to confirm that you have done the offers and surveys. Fortunately, no spam mail or junk mail is ever sent out by this site and your information is never shared with any other company.

Personally I have been a member of this website, along with thousands of other satisfied users, for approximately 1.5 years now and have earned well over $9100 by working in my spare time. This web site has been great to me, also the members and administrator are very friendly, and are always there to help you with a question or problem you may be having. So far, I%26#039;ve listed only positives about this site, because I can%26#039;t think of a single negative thing about it. Earn money in your spare time, at no cost to you...Easy as that!