One of my cousins has been studying up to get her realtors license because she thinks that she can actually make a living selling Wilmington NC real estate. Right now I would have a really hard time believing that anyone can make a living as a realtor!

I can’t remember the last time I’ve ever been to North Carolina other than to simply drive through on my way to Florida!  I can’t really say that it looked much different than Virginia to me, but who am I to say?

I’ve done the best that I can in managing my finances, but I’ve slipped up a few times and I’d like the chance to repair my bad credit. So I’ve done some research on my laptop and see that there is a company by the name of DSI Solutions that advertises to “Repair Your Bad Credit” and I’m thinking of contacting them and seeing what they can do for me and my financial situation. I’ve known folks that have used these online credit repair services and have heard good things about what they have done in the past. So what the heck, I’ll give it a go as well, it’s just gotta get better!

One thing that I never really understood, though, was why my wife told me that we didn’t need any business lines of credit.    She kept telling me that she didn’t want to have to pay the annual fees associated with having lines of credit.  And she didn’t want to do the paperwork and write up a business plan.  So I went ahead and signed up for one (yes, I ignored her advice.)  When the statement came in showing our annual fee, though I was quite upset to realize she was right and I ended up closing the account.  Lesson learned here is to really pay attention to the annual fees for any kind of credit account or loan that you might get.  You might not really need that account!

I hear so many people complain about how bad the economy is, but they seem to find the money to go and buy (and gas up) the cars they love just the same! For example, my nephew was asking me what I thought a fair Toyota 4runner price is because he thinks that he wants to buy one! I hear that car sales are slumping, but you couldn’t prove it by me!

And just last week my next door neighbor was telling me that he was looking into the toyota yaris price. He wants to buy one for his wife sometime this summer. He’s expecting a pay raise and a bonus and he hopes to use it to buy her a new car.

I admire the sentiment, but right now I think that counting your chickens before they hatch can be a big mistake! I hope he doesn’t put a down payment on the car before he gets that raise and bonus in his hands! After all, a car is to get you from Point A to Point B. A new car IS a luxury that many of us can’t afford right now.

When my hubby was injured in my car accident in 2007, I tried to get my mortage company for our house in New England that we were trying to sell to grant me a hardship forebearance. Since he wasn’t able to work due to my injuries, I was hopeful to get some empathy from the company. Boy, was I wrong!

Long story short, the mortgage company has dropped the ball and tossed me around from department to department, where I have been met with gross incompetence at every turn.

After over two years, even though we FINALLY did a deed-in-lieu with the company last November, and the deed to the house was transferred into their name in December the company is continuing to send me notices that I owe them the money and the company is still sending notices to the credit agencies that the mortgage is overdue. This is resulting in credit card companies closing my credit cards or lowering my credit limits.

Every time I call Bank of America I am shuttled around from department to department, and told the matter will be escalated and someone will call me back within the next week. That never happens. I have called them about once every two weeks, and nothing is resolved. I have sent them letters, and I get replies that someone will contact me within 20 days, and that never happens either! I got collection calls several times a day for years on end until I finally blocked their telephone number!

As of today, I have been on the phone with Bank of America for the past four hours, being shuttled around from department to department, trying to find some help. I’m on hold at the moment, waiting for a supervisor to talk to me. The lady I just spoke with said that my account was in the process of being assigned to someone in the home retention department!

I have contacted my state senator Mark Warner’s office, asking for help a couple of weeks ago. Haven’t heard back from them yet.

Anyone know a good lawyer that would like to sue this company on my behalf to get this resolved and maybe some punitive damages for emotional distress it is causing? I had hired a lawyer that I was told is an agressive lawyer that loves to sue people, but for some reason he just doesn’t seem to be in the mood to take this on! If you know of a class-action suit going on for people in situations like this, or know a good lawyer that could/would help me, please post comment to this blog and I’ll get the information!

Can you feel my pain?

I have one friend that is going to have to take out a personal loan in order to pay his taxes this year; that would have to be really hard to do! There have been several tax credits put into place recently but I’m not hearing of that many people that are being able to take advantage of any of them. I am glad to hear that the Home Buyers Tax Credit has been extended; that is one thing that the Federal Government has taken action on that makes sense and is actually working well.

I’d hate to work at the Post Office on April 15th; it is a mad house that day. Even with more and more people e-filing the Post Office still pulls a huge amount of us in each year and some even stay open late that night for better customer service.

Anyway this guy is learning how to buy bullion and gold coins and has been utilizing the website of goldcoinsgain.com. Since we have Internet access at work we get to go online throughout the day and since we are all jammed in there so close to each other it’s hard to keep anything to yourself and we usually share what we find with each other anyway. We spend so much time together, it’s a good thing that we get along as well as we do and have so many common interests and right now it seems to be gold bullion that has got us interested and finding ourselves learning about.

I’m pleasantly surprised that I got the $50 rebate in the mail in less than 2 weeks time. I was expecting to have to track the darn thing and make phone calls and submit emails in an effort to get my $50 rebate, which has usually been the case with most rebates that are of any value. So my hat is off to you Verizon, nice doing business with you.