November 9, 2012
I have a trip to the Dollar store planned for this weekend and I'll be limiting myself to twenty dollars. With this amount I will get cleaning supplies, holiday wrapping paper, bows and ribbon. I am limiting myself to a specific amount of money as this store is dangerous. I'm sure I will see the perfect Christmas tin to put cookies in except I have a few left over from last year. I'm sure I will see many nice extras to make a holiday table setting sparkle but that sparkly stuff usually ends up on the floor or in the trash. I am sure I will find lots of early stocking stuffers but I'm heading into this holiday season as a minimalist. Many of my friends are. Not due to the recessionary times we've been talking about for years but clearing the clutter from ones brain life and household is a way she reminds herself that memories are not made necessarily from things but from time well spent. Help her find the deal, the right time to say "no" and ways to create lasting memories and in doing so you form a lasting relationship with a lifelong friend...I mean listener.
She Buzz Words
Right Now She Could be
making a grocery list
Waiting on a oil change
Checing out her text coupons
She Could be a
Gardening Store Expert
Right Now She Could be
Cleaning out the garage
Mowing her lawn
Packing a gym bag
Packing kids lunches
"What's wrong with the crusts?"
2011 Top 10 Scams
Attorney General Chris Koster has released the top 10 consumer complaints and scams reported to his office in 2011.
No-Call Complaints – On average, consumers file approximately 89 complaints against telemarketers each working day.
Debt Collectors – The Attorney General's Office experienced an increase in the number of complaints filed against debt collectors in the last year. Many consumers indicate they are being harassed for debts they may not even owe.
Telephone Cramming and Billing – "Cramming" is when a consumer receives a charge on his phone bill for services he did not order. Consumers should thoroughly review their telephone bill each month for evidence of cramming, which can include charges as small as $1 or $2.
Credit and Debit Card – A fourth major category of complaints by consumers in 2011 was unauthorized charges on credit and debit cards. Scams such as these can occur by telephone, email, or text messaging.
Home Repair and Remodeling – Complaints against home improvements/home repair contractors are common every year. The typical scammer will go door-to-door asking for money up front from vulnerable consumers, often offering discounts for "left-over" product.
Mortgage/Foreclosure/Loan Modifications – Many struggling homeowners have filed complaints concerning foreclosure on their homes and the loan modification process. Common complaints include relentless requests for paperwork already provided by the borrower.
Lotteries and Sweepstakes – "Congratulations, you have just won $10,000!" The Missouri Attorney General warns consumers to be leery of telephone calls, emails, or letters with statements like this. Scam artists often use the promise of a valuable prize or award to entice consumers to send money, buy overpriced products or services, or contribute to bogus charities.
Business Opportunity Scams – Lured by deceptive promises of easy income, many would-be entrepreneurs jump into the arms of con artists who claim "we are not just selling you a business, we put you IN business."
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