&
Advertise Here with Today.com
 

Archive for the 'Product Reviews' Category

Sep 11 2009

How Do You Select A Trustworthy Non Profit Debt Consolidation Company?

Published by momma under Product Reviews Edit This

This post has been written by guest blogger, Author: Robin Williams

There are thousands of debt consolidation companies that are competing for your business, but selecting a dependable non profit debt consolidation company can truly become an intimidating task. While exploring non profit debt consolidation companies, you must take some important factors into consideration.A lot of debt consolidation companies claim they are non profit, but in reality they earn in millions. These companies apply the “non profit” tag simply to attract consumers. Consumers believe that these debt consolidation companies are working for their best interests. Other debt consolidation companies apply the “non profit” tag to infringe telemarketing regulations from which charitable institutions are granted relief. Request for evidence of non-profit 501(c)(3) status prior to doing business with any such company.

Some debt consolidation companies mention religious connections in their names or on their official websites. Some agencies indisputably have connections with a religion, however, some agencies are simply making use of the name in order to make you rely on them. You must not allow a religious connection or membership to affect your choice – select the agency that is appropriate for you.

Fees: Not every non profit debt consolidation company comes to you free of cost and the genuine non profit agencies must have minimum monthly fees and establishment fees. Some of them make publicity for voluntary fees but subsequently compel you for paying the total fee even though it’s quite costly for you. If an agency has exorbitant fees, is ambiguous regarding their fees, or compels you to pay a voluntary charge, which is not within your means, you should go for another agency. Be careful about the fact that with numerous agencies, the payment for the first month would probably be directed to the debt consolidation agency and not to your creditors.

You fell into debt in no time, but it would require a lot of time to come out of debt. Don’t rely on an agency that assures that you would become debt free within one or two months. Similarly, you must ensure that the non profit debt consolidation agency is giving time for you. The National Foundation for Credit Counseling (NFCC), which is a non-profit community organization, gives at least one hour on the telephone or personally on a discussion to determine whether you require consolidation. If an agency offers you a strategy within a short time period, then it has not given sufficient time analyzing your expenditures. Utilize a debt consolidation agency that gives a lot of time to investigate your finances.

Better Business Bureau: The Better Business Bureau (BBB) utilizes a Reliability Report to maintain documents on businesses in order to ensure that consumers can select the most reliable agencies. The BBB keeps details about products and services together with a history of grievances and accolades. Companies get an acceptable or unacceptable record on the basis of how they manage customer-related matters. Prior to making a decision on a company, check it with the BBB and only pick an agency with an acceptable rating.

The Better Business Bureau is one of the smartest means to check the trustworthiness of a debt consolidation company over the Internet. Nevertheless, be cautious when you’re typing. Just missing one letter such as “a” in “bureau” can take you to fraudulent sites. Take the help of their official website – BBB.org.   

It might be difficult to select a non profit debt consolidation company when there is a plethora of choices. However, with some perseverance and plenty of research, you can select an agency that is suitable for you. You can have a lasting smile since you’re one of those debt-free people.

~*Save Money Momma would like to thank Robin for contributing this piece and I hope that the information in this post can help someone save money and make better choices for those who are suffering from financial hardships.

Checking into this topic further, I found a company named TMPinfo who offers a debt settlement program (as opposed to debt consolidation) including debt repair which will be needed weather you chose settlement or consolidation because this affects your credit rating no matter which program you decide to go with…PLUS 70 hours of consumer credit counseling. Apparently it’s a simple sign in to have someone contact you. I spoke to a representative there and if you click HEREall you have to do is enter your name, telephone number and best time to call. There are spaces for other info, but they can go over that with you when they call you. They are a hands on, ready to help you company, I recommend it as this is thus far the best program I have found out there.  ~Momma

Advertise Here with Today.com

No responses yet

Mar 12 2009

FREE Movie Downloads From Graboid!

If your family is like my family, then you have multiple kids and can’t afford to bring everyone to the movies. Between the popcorn and the price of movies per ticket these days, it can easily cost me $100.00 just for a few hours out.

That was until I found Graboid. Graboid Video makes it easy to access to the most extensive library of full length videos with over 150,000 movies and TV episodes online, and now you can try it free. Simply Download Graboid Video and create your account.

Experience the best movie and television show search engine and player available on the internet today. With Graboid you can:

  • Access over 150,000 high quality movies and TV episodes online
  • Stream and watch your favorite TV shows with little or no waiting
  • Download full length movies and TV episodes with integrated playback so you can watch your favorite videos over and over again
  • Find 1,000’s of High-Definition videos
  • madea-goes-to-jail-savemoneymommatoday.jpgGetting started with Graboid is quick, easy and best of all, free. Download Graboid, install and click on New Account to register. I’ve already downloaded Coraline, Madea Goes To Jail, Rachael Getting Married, The Wrestler, Push and hours of other movies! With the programs I have on my computer, I can even burn them to a writable DVD and watch them right on my DVD player!

    When you enter Graboid, you will automatically see the most popular videos according to your fellow users. You will have immediate access to over 150,000 movies and TV episodes and can browse our extensive collection to find videos that interest you. You can instantly watch movies online or download movies to watch later. Now you can try it free for 30 days, they will give you 4,000 MB to download as many movies as you can. When the MB are finished, you can join for as little as $4.99 per month and receive 10,000 for MB’s or upgrade to Silver and Gold packages for ever more MB record time!

    Graboid does not host any content. They only provide links to internet video sources that comply with the Digital Millenium Copyright Act (DMCA). 

    The best part: No spam, no commercials, no viruses, no adware, no spyware!

    4 responses so far

    Mar 08 2009

    Free Aeropostale Tank ~Update~!

    aeropostale-do-your-part-tank-savemoneymommatoday.jpgOn March 5th I wrote about the Seventeen magazine and Aeropostale Free Tank Top offer.  Well, just an update for you all, my oldest daughter and I took a trip over to the mall yesterday and walked into Aeropostale with our Seventeen magazine and we got our FREE TANK!

    Here is my daughter modeling the current Aeropostale “Do Your Part” tank and holding up last years “Miss Save The World” Tank.

    Last year we had a bit of a drama situation around that tank.  We received the Seventeen magazine and saw the ad for the Miss Save The World Tank.  So one day while my daughter was in school, I drove over to the mall, picked it up and suprized her with it after school.

    She wore it to school a few days later and while she was swimming during gym, someone went into her locker and stole it.  She was so upset, not just because someone stole it but because she knew I went out of my way to get it for her.  So I felt bad and told her not to worry about, maybe whoever stole it needed it more than she did. 

    We go to find the Seventeen magazine to try and explain what happened to get another one, but in my brilliance, I put it in with the recycling and it was gone.

    A few days later we’re at the orthodontists office and right there in the table is the Seventeen magazine.  Being that it was at the end of the month and the magazine was well read, as you can tell from the ragginess of it, (I used a lot of hand sanitizer that day), yes, we swiped the magazine from the orthodontists office.  

    Driving home from the ortho office, we made a detour towards the mall and headed to Aeropostale.  We go in with the magazine and the guy behind the counter tells us to look at the date because the promotion was over.  Oh my goodness, he was right, I didn’t even realize what the date was!  I couldn’t help myself after seeing how disappointed she was and I explained how the original got stolen and what did this sweetie do? He bent down behind the counter and pulls out the very last “Miss Save The World” tank top and, IT WAS HER SIZE!

    My daughter has guarded that shirt ever since then and now she has the new one, “Do Your Part” as of yesterday! Apparently my daughter couldn’t help herself yesterday either and told the guy at the register what happened last year and he just perked up with these piercing sky blue eyes of his and shakes his head back and forth,

     “Oh well, you know what they say, what goes around comes around…she’ll be the one who is seventeen, unwed and pregnant…(pause) with twins!” 

    We both laughed at his manerisms and that cackle of his, not the comment itself because we would never wish that on anyone, but it is true that what goes around comes around. 

    That’s my Aeropostale tank top story.  I’d have to say that yesterday was a great day overall. We got the tank and I won the Clinique Allure contest.  Feeling good!

    2 responses so far

    Mar 08 2009

    Win A Flip Ultra Camcorder from Go-Gurt and a Wii from Mc Donalds!

    camcorder_large.jpgNot only is Go-Gurt a healthy “on the go” snack, now if you have kids between the ages of 8 and 18, THEY can enter, (or you can enter for them) to win a Flip Ultra Camcorder because Go-Gurt is giving one prize away per hour!

    How is this possible???  By entering the Go-Gurt Flip Ultra Camcorder Sweepstakes!  YAY! Be sure to read the official contest rules. This sweepstakes expires on March 29, 2009!

    ***on a personal note: I purchased one of these Flip cameras in June of 2008. I really do love this camera. It’s small enough to fit in my purse and whip out at a moments notice.  The camera is super easy to record with and easy to download videos into the computer but, the camera comes with 30 minutes of preloaded record time. Over the past year, as I have been recording and downloading, I realized that I lost 8 minutes of record time. I contacted Pure Digital Technologies (who created the camera) and they gave me a whole bunch of technical directions to follow. I did everything they instructed me to do but still couldn’t regain the lost 8 minutes. Finally I suggested shipping the camera to them and having them fix it there. Two weeks later they shipped it back with a letter telling me basically I was out of luck because the warranty expired. Needless to say I was very disappointed they didn’t back up this product, so if you do win and you have technical issues with it…be sure to check your warranty details!*** 

    line-rider-2-unbound-us.jpgIf you don’t win a Fip Camera, perhaps you can try your luck in the Mc Donald’s Mini Size Fun Game!  No purchase necessary! Be sure to read the official rules and then enter for your chance to win either a Wii with a Line Rider 2 game or one of three Nintendo DS Lite games with a Line Rider 2 game, or one of ten Line Rider 2 games for your personal home computer!  Winners will be selected each month until the Sweepstakes are over on March 31, 2009, but you can enter everyday to increase your chances of winning!

    No responses yet

    Next »

    Advertise Here