.

Divorce in Arizona

2011-11-10T11:03:00.001-08:00

In you are getting a divorce in Arizona you may want to consider mediation as an option to litigation. Mediation is successful over 85% of the time according to the American Arbitration Association. Mediation is typically less expensive. Litigation for a divorce can often exceed $20,000 per side. A mediation can often be completed for less than $2000.00.

For more information on Arizona Mediation please visit AZmediator.com.

Free 30 minute mediation consultation.

Mesa Obgyn

2011-10-17T22:10:00.000-07:00

Mesa Obgyn Tamar K. Gottfried, MD launches a new WordPress website that is devoted to women's health issues.

Driving an SUV is un-American

2011-09-20T10:26:00.001-07:00

Driving an SUV is un-American. They use too much gas and they help send our money to the Middle East. Let me break this down, the more money the Arabs have, the more money they have for trying to kill us when they are not pretending to be our friends.

Buy a fuel efficient car and be a good American. Keep it here.

Arizona Divorce

2011-09-01T15:15:00.000-07:00

If you are facing an Arizona divorce, you may want to consider mediation as an option to litigation. Mediation is successful over 85% of the time. Mediation can often be completed in one day for many family law issues. Litigation can take months or years. The cost of mediation is very reasonable as compared to litigation. The average divorce can cost over $20,000 per side whereas a mediation can be completed for less than $2000 in most cases.

Mediation is an option that is definitely worth exploring.

Free 30 Minute mediation consultation

Short Sale Process Arizona

2011-09-01T14:50:00.000-07:00

Information on the short sale process Arizona path. If you are facing a short sale you need to do your homework. The bank may issue you a deficiency judgement. Know your options before you get started and talk to an expert.

Arizona Divorce Mediator

2011-08-30T06:40:00.000-07:00

If you are faced with divorce in Arizona, mediation may be an option worth pursuing. Mediation is not only less expensive, but they can often be completed in just one day. Litigation can be a long and painful road when it comes to getting a family law case settled. Mediation in Arizona may be an option worht considering.

Arizona Loan Mod

2011-08-17T08:44:00.000-07:00

The Mortgage Mediation Group has a new website.

Arizona Mediation

2011-08-17T08:28:00.000-07:00

AZmediator.com just created a listing on thumbtack.com

Arizona Divorce Mediation

my atm place

2011-07-19T15:08:00.000-07:00

I just bill my atm place or myatmplace.com 60 cents for the three spam texts that they sent me. I billed them 60 cents plus 3%. We'll see what happens.

myatmplace.com

2011-07-19T15:04:00.001-07:00

I don't know who these guys are but you can't get off of their spam list. If you know how to get off the myatmplace.com spam list please let me know.

Mediation Arizona

2011-05-11T10:29:00.000-07:00

Mediation in Arizona is an option to litigation. You can save thousands by using a mediator to settle your divorce in Arizona. Mediation is effective. According the the American Arbitration Association, mediation is effective over 85% of the time.

Do your research. You may want to consider mediation as an option to settle your divorce.

Divorce Laws Arizona

2011-03-28T08:10:00.000-07:00

Divorce Laws Arizona - If you are getting divorced you should get acquainted to what the laws are. If you are unprepared you could be in for a shock.

This information is of general interest only. If you need legal assistance seek out a professional or attorney.

Divorce Laws Arizona

2011-03-06T11:24:00.000-08:00

If you are getting divorced in Arizona you may want to consider mediation before you run to an attorney. Mediation is less expensive typically than litigation with an 85% success rate. This according to the American Arbitration Association.

Mediation Arizona

2011-02-24T21:26:00.000-08:00

Getting a divorce does not mean that you need to slug it out in court. You can hire a mediator instead. The American Arbitration Association reports that mediation is successful over 85% of the time. These statistics are hard to ignore. You may want to research the matter more before picking up a phone and contacting an attorney.

Arizona Attorney Divorce

2011-02-24T21:24:00.000-08:00

If you are getting divorce you may think that hiring an attorney is the only option when getting divorced in Arizona. You should consider mediation as an option. Mediation is confidential and typically less expensive than litigation.

Arizona Attorney Divorce

2011-02-22T23:09:00.000-08:00

You may think that the first step in getting divorced is to hire a mediator. You may want to consider hiring a divorce mediator instead. Divorce mediation is typically less expensive and less time consuming that litigation.

slideright LLC email spam?

2011-01-25T17:28:00.000-08:00

I just received this email:

Good afternoon!
My name is Mandei and I work for SlideRight, LLC- the valley’s leading manufacturer and installer of self-closing, self-latching devices for pool code compliance. We offer full service for compliance which includes service door modification, gate springs, and window locks.

Our specialty is patio door repair, including roller and handle repair or replacement. We also offer highly competitive pricing for replacement glass, screens, doors, and windows. I have attached our brochure for the SlideRight self-closing and self-latching device for your review.

I am eager to earn your business, and I would like to offer you complimentary pre-pool code inspections and estimates for pool code compliance. Please call or email anytime for more information, and be sure to check out our website at www.sliderightdoors.com. Thank you for your time, and have a lovely and successful week!

Mandei Ellsworth

Administrative Assistant

SlideRight, LLC

Phone: (623) 266-9505

Fax: (623) 322-5609

www.sliderightdoors.com

I don't know these people and believe it is spam. Anyone else receive this annoyance?

Divorce Costs Arizona

2011-01-24T14:37:00.000-08:00

Divorce in Arizona can be an expensive proposition to your wallet and your emotions. There are options if both parties are willing to work together to reach a settlement without going to court. Mediation in AZ is fast becoming one of the more preferred methods to reaching a divorce settlement. Attorneys are allowed to be in a mediation with their clients if it agreed.

Mediation is effective over 85% of the time according to the American Arbitration Association.

BMW AZ

2011-01-20T10:19:00.000-08:00

I currently own a 2000 BMW 328CI in Arizona. My BMW factory warranty is up and I do not want to go to the dealer for the servicing my BMW. I highly recommend taking your BMW to Babbitt Motor Werks. They have been in business for over 20 years and I always feel that they take care of me while providing excellent service. I have been taking my cars there for over 15 years.

BMW Repair Phoenix

2011-01-20T10:15:00.000-08:00

I own a 2000 BMW 328CI in Arizona. My warranty is up and do not want to go to the dealer for servicing my BMW. I highly recommend taking your BMW to Babbitt Motor Werks. They have been in business for over 20 years and I always feel that they take care of me while providing excellent service.

Scottsdale Mediation

2011-01-10T14:11:00.001-08:00

Mediation is an alternative to litigation. Mediation is successful 85% of the time. Many family law mediations in Arizona can be completed for under $1500.00.

Scottsdale Mediation

Cox Speed Test Arizona

2011-01-10T14:10:00.001-08:00

Test your internet speed for Cox in Arizona using this link.

Cox Speed Test

Divorce in Arizona

2010-07-19T22:38:00.000-07:00

If you are getting a Divorce in Arizona you may want to consider using a mediator before talking to an attorney. Mediation is less expensive and less time consuming versus going to court.

Arizona Uncontested Divorce

2010-05-05T21:48:00.000-07:00

Information on how to get an uncontested divorce in Arizona. Divorce does not mean that you will end up in court.

Uncontested Divorce Arizona

2010-03-29T13:43:00.000-07:00

You do not need to go to court if your divorce is uncontested in Arizona. Going to court can be a crap shoot if you are getting divorced. You are better off to resolve it on your own then to let a judge figure out your life. For more information visit Uncontested Divorce Arizona or AZMediator.com.

This information is of general interest and should not be relied on. If you need legal information seek the services of a professional or attorney.

Dumbest Bank In Scottsdale Arizona - Chase Bank

2010-03-11T16:21:00.000-08:00

The Chase Branch at Frank LLoyd Wright and 100th street are morons. They closed down my checking account but not all the way that I had requested. I didn't really use the account and it didn't have much money in it anyway. I wrote a $10 check to a friend and they threw in a drawer for god knows how long and decided to cash it months later. This triggered reopening the account in Chase World and overdraft and other junk fees galore. $10 became who knows. I was told that is just how they do it. I would gladly pay the holder of the check $10 but when an account is closed it is closed. I told the bank employee person that I was closing this account and the LLC with it. I did not instruct them to leave it open for the possibility of reopening. I confirmed with another chase branch that they did have the option to permanently close it but didn't. This particular Chase branch did not do this however. When I called back and told them what I discovered they could have cared less. The corporate dance in sued and I told them to have a nice life.

My recommendation is to avoid this Chase Bank branch in Scottsdale at Frank LLoyd Wright and 100th Street. They are liars.

Chase Bank and ATM
14140 N 100th St
Scottsdale, AZ 85260

Motorola Cliq review

2010-02-17T11:58:00.000-08:00

I just sold my Motorola Cliq on eBay. Nobody from tmobile could figure out how to get it to work. What a piece of garbage. I definitely do not recommend this phone. I bought it for $199 and sold it for $285 on eBay. I guess I would only buy one if you want to sell it on eBay otherwise the phone is not very useful.

WordPress Training

2010-02-17T08:40:00.000-08:00

ExcelnetMedia is now offering classes in both WordPress and Search Engine Optimization. Please visit ExcelnetMedia.com for more information. There are very few companies that offer online WordPress classes. So if you are interested in learning about WordPress, Excelnet may be your best opportunity at this point.

Unlock Blackberry Bold 9700 Tmobile

2010-02-17T08:36:00.001-08:00

Here is the procedure to unlock a Blackberry from T-Mobile. You will need to get the unique code from T-Mobile. It is free. Just call and ask for it.

Below you will see the Instructions for unlocking your Blackberry device.

From the Home screen, press the Menu key.
Scroll to and select Manage Connections.
Select Turn All Connections Off.
Press the red End key.
Scroll to and select Settings.
Scroll to and select Options
Scroll to and select Advanced Options.
Scroll to and select SIM Card.
Enter MEPD.
Note: When typing in MEPD the letters will not appear on the screen. This step opens up the personalization on the device.
Enter MEP2.
Note: To enter the number 2, press Alt + E/2.
Enter the unlock code and press the enter key (device should display code accepted)
Turn off the device.
Turn on the device.

T-Mobile Motorola Cliq Review

2010-01-11T21:27:00.000-08:00

After two months of trying to get my Motorola cliq with motoblur to work on t-mobile I quit. The damn thing just does not receive calls reliably. I did a test tonight with my old phone and it worked every time. Put the sim card in the Motorola Cliq and it goes to voice mail every time. What a piece of shit. This has been one of the most frustrating customer service experiences ever.

Everything about the phone is terrific other than it does not receive phone calls reliably. I really like android os. Tmobile is a big dumb animal to deal with. I am getting a blackberry 9700 now. I need something reliable.

T-Mobile Motorola Cliq

2010-01-04T11:35:00.000-08:00

After two weeks of frustration and no results from t mobile, my Motorola Click still does not work. I do not get inbound calls reliably. They either get an error message or go to voicemail right away. This is too bad because I really do like the phone. The Motoblur feature is great. I use this phone for business and really need something that works.

Motorola Cliq on Tmobile

2009-12-19T14:07:00.001-08:00

Motorola Cliq is a piece of shit. I have t-mobile service. Do not get this phone. It sucks.

My letter to Gary Harper at Channel 3 on your side.

I watch your show regularly and love how you can get to the heart of the matter in getting issues resolved with for consumers. I recently purchased a Mortorola cliq from t-mobile with a two year contract. I have been with T-mobile and their previous entities such as voicestream for nearly 20 years. My new phone is great except for one problem. It sends the majority of inbound calls straight to voicemail. I have been on the phone with them for hours and days trying to resolve it. They say they will call me back and they never do. I have received a replacement phone from them and it still does the same thing. I have asked that they take the phone back and I’ll just use my old phone. I have asked that they trade for a different model. They say I would need to pay for a new one. I’m extremely frustrated to the point of just going to a new carrier. To pay the penalty of $200 and the loose the phone and accessories totaling nearly $300. You would think they would try to keep a customer. I just don’t get it.

I pay nearly $100 a month for a cell phone. I don’t think it’s too much to ask that it can receive phone calls. Do you have any recommendations or do you think that you can help?

Credit Card Debt Settlement Company

2009-08-15T10:04:00.000-07:00

Getting behind on your credit cards doesn't give you many good options. Debt Negotiation can be a good option other than filing for bankruptcy. A good debt settlement company can help you settle your debt for 40-60 cents on the dollar in most cases. Do your homework on researching a debt negotiation company. There are alot of scams out there. Make sure that they are a member of asba.

The Official Review of the Palm Pre

2009-06-07T12:13:00.000-07:00

I have been an avid Palm products user for over a decade. I think I have had them all. I was really excited to see the new Palm Pre. Actually from everything I read about it I wanted one. My Palm 680 is ready for retirement.

To be honest I was pleasantly disappointed with it. The keyboard sucks to be straight about it. I do a lot of typing and texting and this thing just wont do. It's too small and the top row doesn't have enough room for your fingers to operate cleanly. I hope they make the next one more keyboard friendly. I really doesn't need to slide out. There is nothing wrong with the design of the 6 and 7 series of the Palm Treo line. That design is just fine.

Consumer Dave Rates The Palm Pre with two thumbs down.

Payless Car Rental Disaster

2009-06-04T13:44:00.000-07:00

I recently flew into Phoenix and need a care to rent. I had rented a car online through Orbitz. Everything seemed to be ok until I got to the car rental counter and I was informed that I need my proof of insurance with me. I have rented dozens of cars without needing to provide this documentation. Needless to say I ditched Payless Car Rental and went over to Alamo Car Rental. I ended up getting a better deal at Alamo anyway. I called Payless to make sure that my reservation was cancelled. I did not need to pay for two cars. I look at my confirmation from Payless Car Rental and did not see anywhere on the confirmation that I needed to have my auto insurance policy on me. I called Payless and told them of the error. The dip shit on the phone said that it is on their website. I told him that I didn't rent the car on the website and that they should tell you to bring your documentation with you. He had no comment. I think I was connected to a call center in India.

To Payless: Update how you altert people. You are losing business.

What is Mediation? - Arizona

2009-05-21T15:26:00.000-07:00

Mediation is one of the fastest growing fields in dispute resolution. Mediation is an alternative to settling disputes without going to court. Going to court is not only expensive but it can drain you emotionally. Some states now require some cases to go to mediation first before litigation.

Phoenix Mediation

21st Century Real Estate Solutions goes Live

2009-05-21T12:03:00.000-07:00

Marie Volpe of 21st Century Real Estate Solutions just launched their corporate website today. Marie will be working with people looking to get great deals on single family homes in the Phoenix area.

Get Home Buyer Help Website Launched

2009-05-20T11:04:00.001-07:00

GetHomeBuyerHelp.com has been officially launched. The goal is to provide consumers with bias free information about buying a home in today's real estate market.

When you buy a home, you will need to know:

*How the 8000 home purchase tax credit works
* knowledge of industry language
* knowledge of how to buy a home
* awareness of dpa or down payment assistance programs
* understanding first time home buyer programs
* typically good credit history and credit scores that are above 620
* must being gainfully employed receiving some proof of income
* have some money for closing costs and down payment
* knowledge of real estate mortgage loan programs

Bridge Loan for Home Buyers - 8000

2009-05-14T09:05:00.000-07:00

Help for the housing market is on the way. FHA loan mortgages will soon be a lot better for home buyers and first time home buyers. Hud and FHA plan on giving buyers an $8000 bridge loan that they can use now to buy a home rather than wait to get their refunds. Not all of the details have been outlined yet.

FHA 8000 tax credit program

Average Credit Score

2009-05-06T09:23:00.000-07:00

Your credit report can be influence by a variety of factors. It is important to know what you are doing before you start using your credit to make purchases. The more credit that you use, the more your credit score will be impacted. If you don't use credit you can still have a bad credit score. Do your research and make sure that you know what you are doing. When you want to buy a home and you don't understand your credit score, you may be in for a surprise.

$8000 tax credit for first time home buyers

2009-05-01T14:46:00.000-07:00

The new 8000 tax credit is an awesome deal for first time home buyers. Take advantage of the 2009 American Recovery and Reinvestment Act of 2009. You can now get a $8000 tax credit just for buying a new home. That's dollar for dollar against your federal income tax returns. You must be a first time home buyer to be eligible for the program. The home must be your primary residence as well. The home you buy must be from someone that is not related to you.

8000 tax credit

$10000 tax credit California

HomePath Mortgage vs. FHA Mortgage

2009-04-29T11:25:00.000-07:00

A HomePath Mortgage may be a better option than an FHA mortgage. A HomePath Mortgage only requires 3% down whereas an FHA mortgage can require 3.5% down. There is no PMI insurance on a HomePath Mortgage. An FHA mortgage has mortgage insurance as well as a 1.5% funding fee up front ouch. There is no appraisal required for a HomePath loan.

Home Path mortgage information

The American Recovery and Reinvestment Act of 2009

2009-04-29T11:11:00.000-07:00

You must get and install the energy efficient appliances between January 1, 2009 until December 31, 2010.

The energy efficient improvements must be done on your property, principle residence.

If you make the energy efficient improvements to your second home or rental/investment properties by installing solar water heaters, solar panels, small wind energy systems you may be eligible for tax credits under Obama's American Recovery and Reinvestment Act of 2009.

The maximum tax credit that is allowd is $1,500 for all of the energy efficient improvements you make, except for the instances where you installed : geothermal heat pumps, solar water heaters, solar panel arrays, fuel cells, and small wind energy systems. These items are not subject to the $1,500 cap and eligible for a larger 30% tax credit. Special provisions apply to fuel cells and building a new principle residence. (please contact your tax preparer for more information on this).

the 8000 tax credit for first time home buyers explained

2009-04-27T15:12:00.000-07:00

The tax credit that George Bush passed is very different from the one than the 8000 tax credit that President Obama passed.

8000 tax credit explained

Cobblestone Auto Spa in Scottsdale puts on the hard sell

2009-01-14T16:11:00.000-08:00

The Cobblestone Car Wash in Scottsdale really puts on the hard sell. I recently had my oil changed at the Cobblestone Auto Spa in Scottsdale at the Frank Lloyd Wright and Hayden intersection. After surviving the attack of the service writers who are more like used car salesman, I ended up with an oil change that was over $90. The original special coupon that I brought in was $24.99. What a joke, it is like playing the shell game with those guys. The whole process there is very uncomfortable anyway. You got the windshield guy all over you wanting fix the chips in your winshield and the bozo trying to sell you detailing services. Very annoying, they need to teach these guys how to sell. I don't need the hard sell at the car wash. If I want to be hassled by annoying hard sell telemarketers I would just stay home.

I will never use Cobblestone to have my car washed or my oil changed ever again.

Rip Off Report

Is Credit Collection Services Commercial A Scam?

2009-01-08T07:57:00.000-08:00

I just got a collection notice from Credit Collection Services Commerical for an alleged unpaid American Family Insurance Bill. The funny thing is that I changed insurance carriers in July 08 and they are claiming that the charge is for September 08. I even got a check back from American Family because I overpaid. So is this very official letter from Credit Collection Services Commercial for real or is it a scam to get money out of you. The letter has a crappy warningnotice.com lettering around the body of the letter.

The people on the phone there weren't very helpful either.

Two Wells Avenue, Dept 7250
Newton, Ma 02459

1-800-345-7498

Loan Modification Information

2008-12-21T14:38:00.000-08:00

LoanModificationInformation.wordpress.com goes live. Get information links to the phone numbers of the major banks. Modify your mortgage loan and stay in your home.

Consumer Dave Puts Spammers on alert

2008-12-16T07:45:00.000-08:00

If you are spamming me, I will be listing you on my blog. Spammers you have been warned. Consumer Dave is taking it back. If you want someone who is spamming you listed here, just contact me or leave it in a comment on this site.

What Are The Downsides Of Reverse Mortgages?

2008-12-15T13:50:00.000-08:00

What Are The Downsides Of Reverse Mortgages? Reverse mortgage can have closing cost near 10% of the homes appraised value. A reverse mortgage should only be obtained when there is a real need to meet monthly living expenses.

Where can I get a CR 1616 Battery

2008-12-11T12:27:00.000-08:00

Where can I get a CR 1616 Battery? I found it at Walmart. They have tons of odd sized batteries.

Are you upside down on your mortgage in Arizona?

2008-12-08T18:09:00.000-08:00

Are you upside down on your mortgage in Arizona? You may have a great option if you have an fha loan. If you have an fha loan and you are upside down you can do what is called an fha streamline refinance. You do not even need to provide pay stubs or bank statements to be able to qualify for this loan. An FHA streamline refinance is one of the few loans that you do not even need to to an appraisal.

If you are interested in an FHA streamline refi call 1-888-368-6668. It could just very well save you from foreclosure and give you a much lower mortgage payment.

Cox Communications Suck

2008-11-25T11:18:00.001-08:00

Cox Communications Sucks the big one. They cannot get my cable bill correct. I turned my dvr box in months ago and they are still charging me. What the hell is wrong with these people. I think they must only hire morons. I think I am going to switch to dish.

Bank of America closed my business account

2008-11-25T11:07:00.000-08:00

Bank of America closed my business account without telling. I had a business account open with bank of america for over 7 years. They decided to just close it without telling me. I had all kinds of auto pays and auto deposits. They told me that they could not re open it with the same account number. About a month later they sent me a statement on my business account. Those stupid assholes. I went to Chase and opened up a new one.

With my personal account B of A keeps charging me a $20 maintenance fee. I have free checking. So every month I have to call and spend 20 minutes to reverse the charge. What the hell is wrong with bank of america. This is the worst fucking excuse for customer service I have ever had with a bank.

Bank of America is the worst bank in America. They are a big dumb animal. This is my opinion. Do not use them.

Is Arizona Corporate Headquarters a scam?

2008-11-20T13:30:00.000-08:00

I received a letter in the mail from Arizona Corporate Headquarters. They wanted $125 for filing of annual minutes disclosure statement for my LLC. It seemed a bit fishy to me. It reminded me of all the mortgage insurance crap that you get when you get a new mortgage or refinance your home. You don't need that stuff either, it's just a scam. The address of Arizona Corporate Headquarters is 5025 N. Central Avenue, Suite 573 Phoenix, AZ 85012.

Does this ring a bell for anyone?

Too Much Debt?

Down Payment Grants for First Time Home Buyers

2008-11-10T13:19:00.000-08:00

GetPrequalified.com is completing the first website to have down payment and first time home buyer programs all listed on one website. This information is completely free. All 50 states will be listed by the end of November. If you are short on cash you may have an option of receiving down payment assistance from your state. This down payment assistance can be in the form of a loan or a grant. It just depends on the state that you live in. For more information contact your local banker or mortgage professional.

Down Payment Information

Credit Card Tips

2008-08-18T08:17:00.000-07:00

Your credit card company is a predator. They are in business to make money. Make money off your your more specifically. Credit card companies are making billions off of late fees and over the limit fees each year. You wont get any sympathy for a late payment anymore. This is how they make money.

One of the newest tricks the credit card companies are pulling is shortening your billing cycle without telling you. They are going from a 30 day billing cycle to a 20 day billing cycle without notification. Guess why they do this. So they can slap you with a late payment.

Why you don't want to pay over the phone, because they charge you for the privilege. What's worse the late fee or the pay by phone privilege. The credit card company are assholes now. If you are behind and can't make your payments screw them. You can negotiate with them anyway. Your credit score will come back over time.

Credit Card Debt Settlement

Jesse Jackson uses the N word - Jesse Jerkson

2008-07-18T09:45:00.000-07:00

Apparently in Jesse Jacksons tantrum against Barack Obama he used the N word. According to Oprah nobody should use the N word. Not even Jesse Jerkson. So quit using the N word, you know what I'm sayin?

How do you know if your friends are lying to you? - Crocs

2008-07-13T12:46:00.000-07:00

How do you know if your friends are lying to you? They don't say anything to you about wearing your crocs in public.

Jesse Jackson want to cut off Barack Obama's nuts

2008-07-10T10:12:00.000-07:00

Jesse Jackson wants to cut Barack Obama's nuts off. He thinks that Obama is talking down to black people. I know that he apologized, what I can't figure out is why he apologized. That is what he is thinking, why would he want to apologize for what he actually thinks. He is apologizing because he doesn't want to look bad. He already looks bad. He cheated on his wife had a baby and got caught. He says one thing but does another. To me he is an inauthentic self righteous jerk. If I were the media, I would not give him a platform to apologize. It's just a lie anyway. He doesn't really mean it.

The better question for Jesse is what does he really feel about things rather than what his facade says. This guy really turned out to be a piece of shit.

StatClinix billing service is horrible- Statclinix Urgent Care center

2008-07-08T12:21:00.000-07:00

I went to a StatClinix urgent care facility a few months ago when I had the flu. I paid the bill in full or at least I thought that I did. I pulled a bill out my mailbox yesterday that said that I owe another $30 for "Urgent care center global". What the hell is that. That also say that this bill is 120 days past due. I have never seen anything from them. I find this very insulting to be honest. I always pay my bills.

I called them yesterday to ask a question about it and I have not heard back from them. All you get when you dial the number for billing questions is an answering machine. I called today as well and got the answering machine. I even tried to get anyone on the line to talk to. I got a message machine that said that the messages were full. Nice service. Medical care and service in this country really suck. I will never use StatClinix again.

First American Home Warranty has horrible customer service

2008-06-28T12:23:00.000-07:00

Is a home warranty worth the money? I have a home warranty through First American Home Warranty. My compressor for my air conditioner is going out . How can I tell, its the end of June, I live in Phoenix and my home is not cooling off. I called First American to come out for a service call. I called them on a Friday and they sent someone out on Monday. Desert Valley Aire Inc. came out for the service call. They told me that I needed a new compressor. They told me that they would come out on Wednesday to make the repair. They never showed up and didn't call. Then they said that they would be out on Friday. Desert Valley Aire Inc. again didn't show up or call. I called First American Home Warranty that next Friday, keep in mind that a week has already passed, they told me that they forgot to put the work order through. I thought I was going to scream, I think I did a little. After a lot of screaming and yelling they escalated the call and are coming out on Monday to fix it. This will be over 9 days of an air conditioner that wasn't working correctly. Some service. After they fix it, I am going to cancel it. This has been one of the worst customer service experiences all the way around with these people. I don't even have the words to describe how bad it was.

GetPrequalified.com

Joe Arpaio takes the badge away from Shaq

2008-06-24T15:59:00.000-07:00

Arizona Sheriff Joe Arpaio strips Shaquille O'Neal of his special deputy badge for racial slurs against former teamate Kobe Bryant. Shaq was seen in a video posted on the celebrity news and gossip site TMZ rapping that "Kobe couldn't do without me" That's what rap is about, slams. I don't see what the big deal is. I think we need to to get Sheriff Joe's badge back. He seems to not like Mexicans. I think the Guadalupe profiling was disgusting. He is doing nothing to stop the Canadians from coming across our northern border. Canadians have done a lot of damage to this country. They have ruined major league baseball, the NBA and screwed up football with the crazy Canadian football rules. We messed up hockey. But we're America, we can do whatever we want. Haven't we been tortured enough by Bryan Adams?

Hypermiling Test

2008-06-23T22:49:00.000-07:00

I will admit that I don't enjoy $4 a gallon gas. In fact it makes me a little crazy at times. When you stop and add it up, it ain't cheap to drive anymore. I just filled up my BMW 328ci and it cost me over $70. It is a 5 speed and gets what I would call fairly respectable mileage at 25mpg. Which for a BMW I think is quite high. I have been testing out a new hypermiling strategy and I got 27.5 mpg using hypermiling strategies. That's an extra 40 miles a tank. I'll take it. Quite honestly it was no big deal. I just drove a little slower and took my foot off the gas when I see a red light coming. It works. Give it a try and let me know how you do. Just be careful.

What is hypermiling?

There is no energy crisis in America

2008-06-20T23:36:00.000-07:00

You heard it here on Consumer Dave first, there is no energy crisis in America. People are still buying and driving there SUV's, I see them all over the road. Gas still flows a plenty. Our government is not putting any demands on the public to restrict gas usage not even to sacrifice for the war effort. There are no incentives to buy energy efficient cars and incentives on solar and other alternatives are still falling short.

Everything you read on the news is just hype to drive the price of gas higher so the oil companies can make more money.

Arrowhead drinking water - new eco friendly bottles

2008-06-20T23:32:00.000-07:00

Arrowhead drinking water is claiming a breakthrough in the amount of reduced plastic their new bottles use. They claim to use 30% less plastic and are better for the environment. Big deal, plastic in any form is horrible for the eco systems. It takes plastic over 100,000 years to break down. If they said that they would be making their bottles out of bamboo I would be willing to give them praise where praise is due. To me it is just a feeble attempt to look and sound green when in fact they are not. If they were really going to do something good for the environment, they would outlaw bottled water.

Western Regional Mortgage Brokers Conference

2008-06-18T21:48:00.001-07:00

I got this email from the Western Regional Mortgage Brokers Conference in my inbox today;

You spoke.

We listened.

Mortgage brokers and LO’s are telling us this is NOT the year for them to spend money to travel to the Western Regional Mortgage Brokers Conference in Las Vegas. We get it!

So we’re postponing this year’s Western Regional show until 2009.

In the meantime, we’re bringing the information and tools directly to you! Watch for more information soon.

We’re confident that we can weather the tough times together!

That must be bad when the whole mortgage industry cancels one of its biggest conventions. I almost think people need to suck it up and go. This is the time when you need encouragement most. Not just when times are good.

GetPrequalified.com

Rising food prices offer hope for an expanding US waistline

2008-06-18T08:42:00.000-07:00

I think I found a positive to the rising food prices. With food prices rising, Americas waistline should start to shrink. Binge eating may be a thing of the past. It's just too expensive to eat anymore. Therefore people will not be able to buy as much food and they will loose weight. Think of it as a forced diet. I recently went to Ireland for 12 days and food was about 3x what it is in the US. I came back 5lbs lighter. I stopped eating the crap I normally eat because I didn't want to pay for it. Hopefully the same thing will happen in the US. People are just too big here. I don't think it will hurt us.

Tri City Property Management in Phoenix does not return phone calls.

2008-06-16T23:30:00.000-07:00

This is an update from a few posts ago about Tri City Property Management. They still have not returned my calls. I can't believe how lame they are. After a straight conversation with the secretary about how nobody is calling me back, I figured I would have received a call today. Nothing.. Strange.. but consumerdave is on it. I will keep you posted.

MBT shoes are the most comfortable shoes

2008-06-16T16:45:00.000-07:00

I have to admit that I have never loved a pair of shoes more than my MBT shoes. They have changed my life. I used to suffer with back pain and since wearing them, I can move around in comfort and with no pain. They are not cheap. I paid $250 bucks for them. I ended up buying a second pair. I'm hooked on my mbt's. For this kind of relief I would have paid $1000 a pair.

America's Ice Cream Crisis - forget the oil crisis

2008-06-16T08:47:00.000-07:00

I just purchased a carton of Dreyers Slow Churned Rich and Creamy One Split Wonder the American Idol edition. I noticed one thing odd about the packaging. It shrunk. The cartons on all ice cream seemed to have shrunk by about one third. The price seems to be the same. I wonder if packaging on other goods is shrinking as the price of food goes up. Food producers probably are trying to mask the price of food going up. All ice cream packaging not just Dreyers has shrunk. I'm not buying it anymore. I don't care, it's time we put our foot down and got thin.

Tri City Property Management has horrible customer service

2008-06-13T19:06:00.000-07:00

Most times I need to contact Tri City Property Management in Phoenix Arizona and leave a message they never call you back. I live in the Scottsdale Vista Townhomes in Scottsdale. You have to keep calling and calling and hope that you get someone on the phone. I had a matter I needed to discuss with them recently. I have called them three times and I have still not heard from them. When I told the receptionist the situation, she didn't seem to phased about it. She said that seems par for the course and that she has been hearing this complaint a lot lately. It wasn't even a big deal for her. It sounds like it happens all the time. I could tell you about the numerous other times that this has occoured. If it were my business I would be embarrassed to have such horrible customer service. Call me back the next day. Never getting a call is a disgrace to the customer service industry. They do not seem to concerned however. If this is the biggest problem in my life I would be satisfied however.

Servamatic Solar Hot Water - Solar hot water is the right solution for todays energy challenges

2008-06-13T14:53:00.000-07:00

Servamatic Solar Hot Water heaters work great and are much cheaper than their Photo voltaic cousin. With global warming on the minds of more people, we need to look for clean and cheap solutions. Most of a homes energy costs are a result of keeping a tank of hot water around. If you can get the same result from the sun why not. Every new home in Israel is required to have solar hot water. As a result of this, Israel now can boast that 3% of its overall energy use is covered by the sun. It is the highest of any nation. I live in Arizona, it makes sense that every home in the state have a solar hot water heater on it. The sun is one thing that we don't have a shortage of here in this state. (Servamatic Solar Hot Water Heater benefits)

Additional Green Articles

Why Big Brown Lost the Belmont

2008-06-07T22:41:00.001-07:00

Why Big Brown lost the Belmont, it's very simple. The other horses just ran faster. The hopes of a triple crown winner are yet dashed again. You heard the breaking news here on Consumer Dave.

Rosemary McClure Los Angeles Times Ireland Article

2008-06-06T15:22:00.000-07:00

This is a response to an article written by Rosemary McClure that appeared June 1st in the Los Angeles Times about travel to Ireland. I agreed with Rosemary about everything until she talk about the discourteous drivers in Ireland. I would like to report that the drivers in Ireland were very courteous and I did not hear one horn the entire two weeks. The drivers in Ireland would always let you in with a smile. The drivers in the US are the worst most obnoxious example of driving, not the Irish. My hats off the the Irish for their good driving and courtesy.

My furniture is making me sick

2008-06-03T12:08:00.000-07:00

I just bought a the Belize Outdoor Occasional set from Cost Plus a few days ago. There seems to be some type of fumes coming off of it. Every time I sit on it my eyes get irritated and start to swell. I have to come in an wash them off with water. It is made out of teek wood and was originally manufactured in Vietnam. Anyone else having this trouble?

Tax Write Off Ideas for Saving Money To Get Out of Debt, Save For A Down Payment

2008-05-30T12:01:00.000-07:00

There are many ways to save money for a down payment for a home, or for a new car, or to get out of debt. One place that is easy to overlook is your US annual IRS tax return. In this article is a list of possible tax write offs. Please consult with your tax adviser about whether any of these items being applicable to your individual tax situation. (click for Full Story)

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Provident Funding whacky underwriting

2008-05-30T08:16:00.000-07:00

If you are a loan officer and you are considering sending your loans to Provident Funding beware. It seems like they are not following fannie mae guidelines and making up all kinds of crazy conditions. It's too bad because their rates are great, they are just too hard to work with now. I think they are just running scared and don't want to write any bad loans.

GetPrequalified.com

My experience with Expedia

2008-05-28T13:43:00.000-07:00

From previous posts you will recall that a car that I reserved online through Europcar with Expedia ended up being just about double after it was all said and done. The final cost could only be determined in Dublin at the Airport where I was informed about all the extra stuff that I was not told about on the website. The biggest scam is the insurance. In Ireland you are required to have car insurance. My American Express did not cover it. Most places it does however. I called today to make a complaint. I got a $50 travel certificate for my efforts. Big deal, I paid over $700 to rent a car in Ireland for 5 days. I should have just bought the car for the week.

When on the Expedia website for rental cars, just be aware that there may be other expenses.

There is no oil crisis in America

2008-05-26T11:06:00.000-07:00

With gas prices over $4 a gallon the news has been touting a gas crisis. I am happy to report that the gas crisis is over. My car gets 26 miles to the gallon while the monster suv's get 14 miles to the gallon. You expect not to see many of these. While driving on the freeway yesterday I am happy to report an abundance of suv's. For every economy their are 5 gas guzzling suv's. So don't fret over the gas crisis. There is plenty of gas.

Do you have trouble with your curent mortgage?

2008-05-26T10:55:00.000-07:00

If you are feeling the squeeze of the mortgage crisis help may be on the way. Hope Now is an alliance between banks, counselors and other industry organizations with the purpose of trying to keep you in your home and avoid a foreclosure. The Department of the Treasury and HUD supports the formation of this alliance to encourage responsible business practice and to help avoid any additional downturns in the real estate market.

For additional information go to Hope Now

Bank of America, no cost mortgage

2008-05-26T10:42:00.000-07:00

Just to set the record straight on Bank of America and their no cost mortgage, it isn't. I was recently in my branch and asked one of the personal bankers about it. He told me that they just raise the rate to cover the fees. What a breakthrough. Thanks BofA.

GetPrequalified.com

Corded home phone issue solved

2008-05-24T09:05:00.000-07:00

I use Vonage as my phone service provider. I have been having very scratchy calls lately for about the last month to the point where my friends didn't want to talk to me. I spent hours on the phone with Vonage to try and correct the problem. It turned out it was an old headset. When the copper wire gets degraded and the copper wire breaks down and frays, the broken connections come in contact with each other and make static. Quite annoying and very easy to fix. I just picked up a new plantronics headset and the problem was solved.

Expedia did not disclose all the fees

2008-05-24T09:00:00.000-07:00

I booked a car rental from Europcar online. They basically left off all the additional fees that I would be charged. It ended up being double the quoted online fee by the time I left my destination. Buyer beware of Expedia. If you do plan on using Expedia, ask a lot of questions or call the service provider to confirm all fees. Bottom line for me is no more Expedia.

My experience with EuropCar

2008-05-23T16:02:00.001-07:00

I just got back from Ireland. We rented a car from Europcar. I can tell you that it was one surprise after another with them. First they said that we need their insurance and it was about the same rate as the daily car rate. Of course they don't tell you this on the Expedia website. We only learned about this at the airport in Dublin. They don't tell you what 80% of the charges were. You find that out when you get there. By the time I was done at Europcar it was twice as expensive as the rate that I searched for on Expedia. Five days of car rental with Europcar was over $700.

My advice when renting a car overseas is to ask a lot of questions. I relied on Expedia to give me detailed information. It was a joke. I wont be using Expedia again.

Credit Card scam beware

2008-05-22T07:50:00.000-07:00

I had a friend of mine call me telling me about how he got scammed out of $12,000. Someone paid his credit cards down $12,000 and then requested the money back. He believes that the people were out of Russia but they were using a Florida address. He refused and contacted Citibank about returning the funds that were deposited in his Bank of America Account. He made the exchange, did the right thing and got nailed. Bank of America is now coming after him for the $12,000. Very odd but true. If this happens to you, you might want to hang on to the money even though it was stolen from somewhere else. In this case doing the right thing cost my friend $12,000.

The National George Bush Bake Sale

2008-05-20T16:31:00.000-07:00

The National Bake sale that was held on May 5th seemed to have been a failure. This countries financial woes only seem worse as the cost of gas keeps going up. You don't even hear about the housing crisis anymore. It definitely has not gone away. The bake sale was supposed to help homeowners who are upside down in their mortgages. For every $1000 they are negative, they would need to sell 1500 cup cakes. Americans are big eaters and will binge on just about anything. My thought was that we could turn our economy around on our indulgences. It failed miserably. Nobody would get in their cars and drive.

What did John McCain do in Arizona

2008-05-20T16:25:00.000-07:00

I live in Arizona and quite honestly I can't name one thing that this guy has done in this state. I respect his sacrifice for the country. It is a little scary to think of this guy as our President. Everyone in this state knows about his wifes drug problem. I have not heard one mention of it on the campaign trail. It just seems odd to me. The press only reports what they want.

Debt Cures by Kevin Trudeau, Really

2008-05-18T19:32:00.000-07:00

I saw this guys show on tv for an infomercial. He has a very compelling message. I later found an article on the internet stating that Mr. Trudeau plead guilty to passing $80,000 in bad checks. Is this really the guy that is supposed to be the face of a debt free America? I will admit his message is great but I think we could use a better spokesman. How about Dave Ramsey or Suze Orman?

NNDB

For Free information on how to get out of debt go to DebtNegotiationZone.com

Bank of America offer

2008-05-17T09:50:00.001-07:00

If just wont stop. I just got another one yesterday. I'm about ready to scream. This time I'm sending them back a brick with my reply. As long as the return envelope is attached to it, they have to pay for it. I once heard of someone sending an engine block back with one of those sender pay postage envelopes. I'll keep you posted.

Credit Bureau and Credit Report Shame

2008-05-16T14:06:00.000-07:00

The credit report companies like Transunion, Equifax and Experian don't want you to improve your credit report. I just discovered on Commission Junction that if you own a website that has information on how to repair your credit, you are not allowed to have a credit puller on your website. Seems crazy but it's a fact. Big business has no interest in you having good credit. The better your credit, the less money they make off of you. Who do you think is pulling the strings on this one. The man just wants to keep you down.

Sallie Mae screws up

2008-05-14T22:42:00.000-07:00

A mistake by Sallie Mae recently messed with the credit scores of thousands of borrowers who signed up for the graduated loan payment program. With a Sallie Mae loan you can defer payments often for a couple of years. There was a glitch that starting reporting these people late. Sallie Mae is reporting that this had only impacted 10% of its borrowers. I'm glad I'm not part of that only 10%. The only 10% people aren't too happy I'm sure. A late payment like this can knock someone out of their ability to obtain top tier credit rates. If it were me I would be pissed.

What is with all the tattoos in the NBA

2008-05-14T22:37:00.000-07:00

What is the deal with all of the tattoos on all of the NBA players. By looking a them you would guess that people were afraid to tell them how stupid they look before they got them. I don't think I've seen anyone with a good tattoo on them. If I were David Stern I would make them play in long sleeve t shirts. Does Allen Iverson really think he looks cool. I don't get it. Can someone please fill me in?

B of A will not stop sending me junk mail

2008-05-13T22:03:00.000-07:00

I don't know how many hours I have spent on the phone trying to get the junk mail to stop. I finally went into my branch and I was assure that it will stop. It didn't. I have a plan. I will keep you posted as to my next step. if you have any ideas on how to get Bank of America to stop sending me crap I would be happy to listen.

McCain is an Idiot on the gas tax vacation

2008-05-12T14:45:00.000-07:00

John McCain is an idiot to suggest that suspending the gas tax for the summer would be a good idea. The oil companies will jump on this one and raise prices anyway. Great idea mr politician guy. I would rather have the money go to roads than the oil companies. What an ass. I'm sure it was a political move to take a shot at Obama. Obama does not want to remove the tax.

Travel in Europe is Expensive

2008-05-11T12:15:00.000-07:00

If you go to Europe this summer bring your wallet. I just got back from Ireland and the Isle of Man and I could not believe how expensive it was. Gasoline was over $9 a gallon and a meal that would normally cost $25 would be over $60. Nothing is cheap over there. I planned a head and brought a lot of power bars and nuts as snacks. I was glad that I did. The water out of the tap there is as good as any bottled water that you would have.

High Gas Prices, Not really compared to Ireland

2008-05-09T05:12:00.000-07:00

I just got back from Ireland and gas was over $9 a gallon. I wont complain about the $3.50 a gallon cheap fuel in the US. Gas was 1.23 Euros per liter in Ireland. One gallon would be 3.79 litres. It takes 1.62 Dollars to make up 1 Euro. Yes it is expensive.

Credit Crunch hits Ireland

2008-05-08T10:37:00.000-07:00

I just got back from Belfast. I could not believe how many houses were for sale. There was a Sherry Fitzgerald sign on every corner. Real Estate signs are everywhere. I heard that values were dropping as well. I spoke with an estate agent who told me that Ireland is always behind the US by six months. I even saw a sign advertising 100% financing. I don't think that they learned anything from our mistakes.

GetPrequalified.com

Euro vs. the Dollar

2008-05-08T09:17:00.001-07:00

We are getting hosed. Check out the rates from Halifax on savings accounts. These guys were all over the airwaves. I only get just a hair over 3% on my savings at HSBC Direct. Some of these accounts pay over 7%. I might consider opening an account over there. Keep in mind that you will lose about 3% of your value as a commission to convert from dollars to euros.

GetPrequalified.com

Arizona Cardinals Shame

2008-04-24T11:52:00.001-07:00

I am not a fan of the Arizona Cardinals and I live in Arizona. They have been a disaster ever since they landed here in the Valley. They are losers. They are a commitment to losing, always have been always will be as long as the Bidwells have control. They don't do what it takes to win. Matt Leinart on the web drinking beer with his beaches was nothing. That was actually a good thing. That was the most positive thing I've seen in a while.

If you are a player you should be ashamed to been seen in public. I see you guys walking around Phoenix acting tough and cool. I just wanted to let you know that we are all laughing at you.

What the hell is wrong with Lending Tree

2008-04-22T17:21:00.000-07:00

I guess if you give your information to Lending Tree you lose. There is a new report that the LendingTree.com database was hacked. It seemed other mortgage lenders wanted access to their database and people from the inside let them in.

If you had done a loan with Lending Tree in the last couple of years you may want to have a credit report done to see if there has been any fraud on your credit profile.

GetPrequalified.com