Hello again! I figured I better get this in today because I will be leaving tomorrow at an unknown time to get out of town like I usually do for a little more than two days. Now that the kids have grown and moved out we take the dogs and go to the heart of Minnesota Tourist country. DON'T you just LOVE it?! We're not lazy, just the opposite! We have to force ourselves to unplug. So there is no technology up there but cell phones!
So anyway here's what I've found out:
We Pay Daily is a slogan, not a company. You don't find this out until you sign up. It can't be a scam because it's not a company. You soon learn you've signed up for APsense! Now you start receiving emails. It doesn't matter if you cancel when you know it won't work for you!
What it is is a gigantic forum. It's built by the people involved in the forum. You would start by bugging your friends and business associates to join with you. Then you look for contacts in their forum that you think will help you and your friends move your business forward.
If you know anything about forums you know if it becomes interesting and has a lot of people who have the same thing in common with what you're doing it can swallow your time up with interesting conversation for an entire day! I don't know about you but I spend time actually doing something rather than talking about doing something.
So, know you do not enter a scam, as far as money is concerned. You do enter an opportunity to loose time. In this case I consider loosing time is scamming myself. I'm busy earning an online presence if nothing else! A good one at that!
However, if you're interested in gaining knowledge for knowledge sake this might be the right place for you! You will earn money here. How much I don't know. I didn't stick around long enough to find out! Good luck if you join! Tell me if you find it worth your time.
Tracking code
Thursday, July 28, 2011
We Pay Daily, mystery company
I think I've given this company enough time to let me find anything on line that tells me whether it's a scam or not. Although it remains a mystery to me one way or the other I'm going to take the dive. I feel like signing up with a completely different email address than the one I use for all other communication to stay on the "safe side".
The reasons why I question it so much is because they don't even let you see the web site without signing up first. I don't know what I would be doing, whether there is a forum or not, or anything indicating it's a legitimate site or not. Furthermore, I can't find even a review on line about it. I won't even be able to find the sites origin unless I sign up with my email address and telephone number!
I am about to step into murky waters with an unknown depth. But I will take the risk just for the sake of coming up with my own review if nothing else. PLEASE wish me luck!
The reasons why I question it so much is because they don't even let you see the web site without signing up first. I don't know what I would be doing, whether there is a forum or not, or anything indicating it's a legitimate site or not. Furthermore, I can't find even a review on line about it. I won't even be able to find the sites origin unless I sign up with my email address and telephone number!
I am about to step into murky waters with an unknown depth. But I will take the risk just for the sake of coming up with my own review if nothing else. PLEASE wish me luck!
Monday, July 18, 2011
Six mistakes wealthy people make
It doesn't matter if you're rich or not, this information is something to keep in mind in your life too!
1.Assuming the people you are with are honest and trustworthy when going abroad.
While servicing investment banking products I received a call from one of our wealthiest clients on board ship in the middle of the Baltic Sea on his way to France. He was pick pocketed on board. He had all his credit cards, phone numbers and information in his wallet and it was suddenly gone. Although his problems stopped with me, I'm sure the rest of his trip was less than pleasant do to worry.
Those uninitiated to foreign travel, no matter how much or how little they are worth are vulnerable to the cultures of other countries. There are some cultures that believe that no mater how wealthy they are, if it's not nailed down it's theirs. Write down the names and numbers of all your financial institutions, etc in the event of the worst happening. Keep that in a safe place, not on you when out in public. Leave the wallet at home and buy a money belt. You are far less likely to have it taken when it's close to your body.
Wealthy people stick together. They all understand the processes they had to go through to get there and keep it there. They can get used to sticking around people who are honest and trustworthy, letting their guard down.
2. Assume you are going to live forever.
So you are loaded. You are a self made millionaire, or maybe you're not. You control all financial decisions and know where your hard earned money goes. Even if you know where every last nickel goes, people make this mistake.
All your financial accounts are in your name and your name only. You were ever so kind as to make your spouse a signer on one of the credit cards. Everything else is in your control completely. Knowing you have a ton of money stacked up you have taken out a life insurance policy to make sure your spouse is taken care of for the rest of their life without you. You're all set, well covered and ready for anything. Or are you?
I received a phone call late on a Friday afternoon. On the other end was a woman standing in her morticians office trying to buy two caskets and to grave plots with no credit of her own and nowhere near the $10,000 necessary to buy them. Her husband just had some kind of circulatory problem that day sending him to the hospice. Her financial adviser went on vacation for a week and his office was closed. She would have to wait 10 days just to talk to the receptionist about talking to him! We got her to agree to getting $10,000 from her credit account as she wouldn't be charged interest in the mean time.
This man did everything right, except one thing-plan and make final plans for the end of his life. His wife ended up having to do it all. She also had to establish credit in her name. This can only lead me to believe he loved his money more than his wife!
3. Believe that because you've never needed credit you never applied for credit. So you can buy everything with cash. You have money piled up and accessible just needing your signature.
One man wanted to take advantage of a great interest rate and investment banking product that required him to apply for a credit card. Even if he had a card with this credit company he still would have to get another one that worked with the product. So he applied. He was promptly turned down. Why? Not because he didn't have enough money, but because he had no credit history. He paid cash for everything!
While it's true that paying out interest is money going down the drain, however it is a necessary evil. Without credit history there are some financial products not available to you. So if you get a card, use it and pay it off when the bill comes. You will find that with discipline, using it to move money will be very convenient and safe. Just check your bill once a month.
4.Assume just because you were given a loan, even a mortgage loan, that your credit is good. Even an underwriter can let a ding on a credit report go by because the rest of your credit history is beautiful. That one problem can, over time, become a minor headache. Yes, I've seen this happen too. Have it pulled anyway. If there's a problem, make the phone calls to find out what it's all about.
I had a young newly wed wife on the phone and she was already knee deep in moving boxes, phone calls and trying to make dinner at 3:00 in the afternoon. She started crying when I was doing the research for this minor glitch I knew would be better solved by me than her. I told her to continue to unpack and I would nail down the culprit myself and call her the next day. Sure enough the bank who put it there didn't find it in their records and sent me a fax saying so. They would clear it right away. So I called with the good news, made a copy of what was sent to me, put it in her closed mortgage file, and sent her the other one. I also wrote instructions to do the follow up to ensure it was done to her satisfaction. Did this make any money for the bank? No. What it did was build a healthy relationship with the customer.
5. Trusts gone awry.
So you're a trust baby. (this is what we call you in the industry). How much money do you have in your account this month? We get this all the time. We also get to patiently listen to your story about the perfect sports car you found and hope to get it soon. We stuff in the appropriate "ooo's" and "ahhs" tell you how much you've got and send you on your way. But what happens if you're not around to contact in the event of the very smooth process becoming less than smooth.
One couple spent six months every year out on their sailboat. No technology, no cell phones, nothing. When they finally do come into port she goes to the local library and uses their computer to check their balances. Oops! This time something didn't look right. The balance was zero. I was the lucky one to receive the call from the irate woman.
Sailing away for 6 months out of the year sounds wonderful, but with no way to contact you in the event of a problem is just asking for trouble. Anything in the electronic world can go wrong and is usually solvable via the telephone, if you're near a working telephone. If not you could be in port with no way to pay for docking fees, supplies, fresh water or food. If nothing else check on your accounts by going to port at least once a month. You'll be able to eat that way.
6. Last but, certainly not least. Assume you have so much money you can treat people any way you want! Did you know we will perform only the amount of work necessary to get the job done for a customer that wants to bite everyone's head off? These financial organizations have excellent staff working for them. Some of which have 20 year track records with glowing reviews and awards. Beating these people up will not produce more because you have a big mouth. We will go above and beyond for those who are average people who just want to get their financial chores done. I saw one customer who after two years of he11, again threatened to take all his money out of the bank. The VP took him up on his threat and said fine go. Why? Their highest achieving banker collapsed on the floor after trying to satisfy the craby old goat!
1.Assuming the people you are with are honest and trustworthy when going abroad.
While servicing investment banking products I received a call from one of our wealthiest clients on board ship in the middle of the Baltic Sea on his way to France. He was pick pocketed on board. He had all his credit cards, phone numbers and information in his wallet and it was suddenly gone. Although his problems stopped with me, I'm sure the rest of his trip was less than pleasant do to worry.
Those uninitiated to foreign travel, no matter how much or how little they are worth are vulnerable to the cultures of other countries. There are some cultures that believe that no mater how wealthy they are, if it's not nailed down it's theirs. Write down the names and numbers of all your financial institutions, etc in the event of the worst happening. Keep that in a safe place, not on you when out in public. Leave the wallet at home and buy a money belt. You are far less likely to have it taken when it's close to your body.
Wealthy people stick together. They all understand the processes they had to go through to get there and keep it there. They can get used to sticking around people who are honest and trustworthy, letting their guard down.
2. Assume you are going to live forever.
So you are loaded. You are a self made millionaire, or maybe you're not. You control all financial decisions and know where your hard earned money goes. Even if you know where every last nickel goes, people make this mistake.
All your financial accounts are in your name and your name only. You were ever so kind as to make your spouse a signer on one of the credit cards. Everything else is in your control completely. Knowing you have a ton of money stacked up you have taken out a life insurance policy to make sure your spouse is taken care of for the rest of their life without you. You're all set, well covered and ready for anything. Or are you?
I received a phone call late on a Friday afternoon. On the other end was a woman standing in her morticians office trying to buy two caskets and to grave plots with no credit of her own and nowhere near the $10,000 necessary to buy them. Her husband just had some kind of circulatory problem that day sending him to the hospice. Her financial adviser went on vacation for a week and his office was closed. She would have to wait 10 days just to talk to the receptionist about talking to him! We got her to agree to getting $10,000 from her credit account as she wouldn't be charged interest in the mean time.
This man did everything right, except one thing-plan and make final plans for the end of his life. His wife ended up having to do it all. She also had to establish credit in her name. This can only lead me to believe he loved his money more than his wife!
3. Believe that because you've never needed credit you never applied for credit. So you can buy everything with cash. You have money piled up and accessible just needing your signature.
One man wanted to take advantage of a great interest rate and investment banking product that required him to apply for a credit card. Even if he had a card with this credit company he still would have to get another one that worked with the product. So he applied. He was promptly turned down. Why? Not because he didn't have enough money, but because he had no credit history. He paid cash for everything!
While it's true that paying out interest is money going down the drain, however it is a necessary evil. Without credit history there are some financial products not available to you. So if you get a card, use it and pay it off when the bill comes. You will find that with discipline, using it to move money will be very convenient and safe. Just check your bill once a month.
4.Assume just because you were given a loan, even a mortgage loan, that your credit is good. Even an underwriter can let a ding on a credit report go by because the rest of your credit history is beautiful. That one problem can, over time, become a minor headache. Yes, I've seen this happen too. Have it pulled anyway. If there's a problem, make the phone calls to find out what it's all about.
I had a young newly wed wife on the phone and she was already knee deep in moving boxes, phone calls and trying to make dinner at 3:00 in the afternoon. She started crying when I was doing the research for this minor glitch I knew would be better solved by me than her. I told her to continue to unpack and I would nail down the culprit myself and call her the next day. Sure enough the bank who put it there didn't find it in their records and sent me a fax saying so. They would clear it right away. So I called with the good news, made a copy of what was sent to me, put it in her closed mortgage file, and sent her the other one. I also wrote instructions to do the follow up to ensure it was done to her satisfaction. Did this make any money for the bank? No. What it did was build a healthy relationship with the customer.
5. Trusts gone awry.
So you're a trust baby. (this is what we call you in the industry). How much money do you have in your account this month? We get this all the time. We also get to patiently listen to your story about the perfect sports car you found and hope to get it soon. We stuff in the appropriate "ooo's" and "ahhs" tell you how much you've got and send you on your way. But what happens if you're not around to contact in the event of the very smooth process becoming less than smooth.
One couple spent six months every year out on their sailboat. No technology, no cell phones, nothing. When they finally do come into port she goes to the local library and uses their computer to check their balances. Oops! This time something didn't look right. The balance was zero. I was the lucky one to receive the call from the irate woman.
Sailing away for 6 months out of the year sounds wonderful, but with no way to contact you in the event of a problem is just asking for trouble. Anything in the electronic world can go wrong and is usually solvable via the telephone, if you're near a working telephone. If not you could be in port with no way to pay for docking fees, supplies, fresh water or food. If nothing else check on your accounts by going to port at least once a month. You'll be able to eat that way.
6. Last but, certainly not least. Assume you have so much money you can treat people any way you want! Did you know we will perform only the amount of work necessary to get the job done for a customer that wants to bite everyone's head off? These financial organizations have excellent staff working for them. Some of which have 20 year track records with glowing reviews and awards. Beating these people up will not produce more because you have a big mouth. We will go above and beyond for those who are average people who just want to get their financial chores done. I saw one customer who after two years of he11, again threatened to take all his money out of the bank. The VP took him up on his threat and said fine go. Why? Their highest achieving banker collapsed on the floor after trying to satisfy the craby old goat!
Sunday, July 17, 2011
Avoiding scams of all kinds
Scams of all kinds live and thrive online. Everyone thinks the definition of a scam has to do with money. Yet those of us who've made ourselves immune to this kind of scam are often getting scammed in a host of other ways. We don't count them because it never comes in the form of a check. It can't be held in a checking or savings account. The others are the ones that scam us out of our time. The website may be about ebooks that will teach you to become wealthy. Another may say if you learn their ways of selling online you can start earning a paycheck quickly. There are even scams out there that will ask you to jeopardize your membership in other websites. There are others that will mess up your blog to stop you from reporting the facts of these websites to your audience!
There are people out there who say their way is easy and not a scam, but when you spend a week learning how they do it only to find out what you were learning will never work for you, I consider these scams as well. For instance; find something on ebay that was listed in the wrong area. Buy it cheap because no one found it and resell it correctly for a profit. You can also create one good website a week for a year. Another spends your reputation by paying you to post ads on craigslist and paying you for them. Most people don't recall all the terms and conditions in craigslist and find out the hard way. You can't report them because you accepted payment from them and posted these ads on craigslist. But I can because I didn't engage in this practice!
There are people out there who say their way is easy and not a scam, but when you spend a week learning how they do it only to find out what you were learning will never work for you, I consider these scams as well. For instance; find something on ebay that was listed in the wrong area. Buy it cheap because no one found it and resell it correctly for a profit. You can also create one good website a week for a year. Another spends your reputation by paying you to post ads on craigslist and paying you for them. Most people don't recall all the terms and conditions in craigslist and find out the hard way. You can't report them because you accepted payment from them and posted these ads on craigslist. But I can because I didn't engage in this practice!
Sunday, July 10, 2011
La Bella Gift Baskets scam review complaints
La Bella Gift Baskets is a business I got involved with about a month ago. I want to first explain why I decided to fork out some cash rather than make money totally free and online line. I’ve been hearing about this company for over a year now. Members of another website, some of whom have been blogging about their adventures. I’ve been watching their blogs out of curiosity on and off. So I know these people are real people with the same problems and achievements we have. I was in the craigslist, jobs section believe it or not and found an offer saying what all the attributes were about joining.
Because this only reminded me about something I was thinking about doing I actually thanked the person who posted it for reminding me. I thought by now I really need to invest in myself. But before I tell you my reasons for spending money I have to tell you that I noticed the direction of this blog was turning out to be more like a “seek and destroy” site as time went on. In my quest to warn people about the pitfalls of online earning it turned into something very negative instead of spreading good cheer. I think that’s kind of self destructive and I don’t know how other people can do that on a daily basis! With that I hope that you understand why I have to spend some positive energy.
I consider the $20 membership fee an investment in myself. I am not a flowery, frilly type of person so the idea of a gift basket made up by someone else to say the absolutely perfect thing got me to thinking. There’s lot more people out there who are just like me! Companies are “downsizing” their marketing and customer service depts. There are people who don’t have the kind of creativity or the time to make a creative gift and give it as a hostess gift or thank you gift. Why not ask someone to make it and ship it where ever they want it?
I spent $1.98 to take this thing for a spin “around the block”. I seriously liked what I saw. It taps everything I enjoy and leaves the choices up to me. I bought my first business cards from their recommendation for an inexpensive printer. I paid the $20 to join La Bella and then another $7 something for shipping 250 business cards of my choise. I know it will take a good year to build my business to fully operational so I won’t tell you I made my first million already.
I like talking to complete strangers. I love being out where there are lots of people enjoying themselves. To me this is the kind of community living I was accustomed to growing up. It’s where there is no stress, no tight schedules and plenty of people to have fun with. This is why it caught my eye.
Two ladies, Mia and Janet dreamed the whole thing up. It’s one year old but there are no flukes about it and looks like it will be around for a while. It’s young enough that I am considered one of its “pioneers”. They have complete training that goes with it and it comes with your very own website. You can speak directly with Mia every Tues in the company conference call. The members can communicate with each other in the forum. And Mia and Janet respond to your emails quickly.
So I’m taking my smile to the streets and doing some online advertising. I wanted to completely test this thing out before talking to you about it, because as you know I will never say just join something without trying it out myself first. I will share more with you as time goes on. For now I’m just going to concentrate on getting the program to pay me some money! I’ll be giving you full reports at least on a monthly basis in the meantime.
Friday, July 8, 2011
craigslist caution for adplacers network scam review
Just the combination of craigslist and ad placers network is illegal. I've just learned the action ad placers network wants you to take is against the terms and conditions for craigslist! For those of you who just started researching ad placers network, they tell you they will pay you for running advertisements online for them. They don't pay people and some get $100 compensation for their trouble, not nearly the amount people are promised. They want you to to get a "Rush" card to get paid. What makes me think they own that too? Any other electronic pay system would not appreciate this illegal activity.
What makes it illegal is craigslist terms and conditions. You, as a craigslist member are not to post ads with them, online for payment for simply doing so! They can never get caught for wrong doing because the risk is all on the members of craigslist who perform this activity.
This reminds me of the scams run on those who advertise on craigslist. They offer to buy some expensive item immediately, sight unseen. They tell you they will pay you through paypal immediately and have a third party shipper arrange the pick up. They hope you will withdraw the money immediately so they can file a dispute that the item was never received. Any way you look at it, if you enter into the transaction they win.
When this was tried on me the first time, I became suspicious because no one buys a used fishing boat sight unseen! The biggest thing that made me mad was the time I spent researching this suspicious activity.
Ad placers network is just another wart on the online scene.
What makes it illegal is craigslist terms and conditions. You, as a craigslist member are not to post ads with them, online for payment for simply doing so! They can never get caught for wrong doing because the risk is all on the members of craigslist who perform this activity.
This reminds me of the scams run on those who advertise on craigslist. They offer to buy some expensive item immediately, sight unseen. They tell you they will pay you through paypal immediately and have a third party shipper arrange the pick up. They hope you will withdraw the money immediately so they can file a dispute that the item was never received. Any way you look at it, if you enter into the transaction they win.
When this was tried on me the first time, I became suspicious because no one buys a used fishing boat sight unseen! The biggest thing that made me mad was the time I spent researching this suspicious activity.
Ad placers network is just another wart on the online scene.
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