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Money-waster probably

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Q: Are you a money-saver or a money-waster?
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Where could one get independent pension advice?

Sources for independent pension advice would vary from country to country as laws are different. In Canada, one could get independent pension advice from a number of sources including Canadian MoneySaver and Independent Financial Brokers.


My 1993 Jeep Grand Cherokee auto transmission doesn't seem to drop into 1st or 2nd. When I start in drive I have to manually put it in 1st to get going. What can I do to fix short of replacing it?

Try changing fluid and filter. i did that to mine when it started acting just like that and slipping....the filter runs about 7 bucks and the trans fluid about 15.....solved it for a bit but still slips....moneysaver till you can replace it tho.


Should i use used auto parts for my car?

This depends on the car really. If it is a luxury car that is worth a large amount of money, then new parts are a good investment to match the rest of the car. If the car is old or the new parts cost almost as much as the car is worth, then it is a good moneysaver to buy used. Just make sure the used parts seller is reputable and offers a warranty or some repair service.


How do you change the idler pulley on a 2001 Ford Ranger 3.0L?

I have changed the idler pulley here recently on my 2001 ford ranger 3.0L, I dont know how off the top of my head, but a Haynes or Chilton's manual is the absolute best moneysaver you could ever buy for that truck. It will tell you how to tear it down and put it back together. They run about 15 bucks but it will pay for itself over and over again! I hope I could help.


Where to Find Big Apple Pizza Coupons and Special Offers?

If you've ever visited the southeastern coast of Florida, you've probably heard of Big Apple Pizza. It has nine locations across the region and has been a popular dining establishment for 25 years. This family-owned restaurant began when the Lino family migrated from Brooklyn to Florida, taking Filomena Lino's Italian family recipes with her. The chain has locations in Jupiter, Palm City, Hobe Sound, St. Lucie West, Port St. Lucie, Stuart, Fort Pierce, and two in Vero Beach. As a way to say "thank you" to its customers, Big Apple Pizza offers coupons in addition to the regular promotional specials. Here's how you can find those Big Apple Pizza coupons.Big Apple Pizza WebsiteFor the convenience of the customers, Big Apple Pizza posts coupons on its website. Simply visit Big Apple Pizza, and click on the "Coupons" tab. On that page, you'll find the current coupons. Big Apple Pizza sometimes has a special limited time coupon available right on the main page. In addition to the coupons, Big Apple Pizza lists its daily specials under the "Coupons" tab. For example, on Wednesdays and Sundays, it offers a dine-in only special of "all you can eat" pasta, pizza, salad, and garlic knots. While you're there, you can also place your order online. Check under the "Menu" tab. You'll find the items broken down into categories. If you'll be dining at Big Apple Pizza for lunch, be sure to browse the lunch specials category.Moneysaver MagazineBig Apple Pizza in Florida also provides coupons through Moneysaver Magazine. Moneysaver is available in print and can be found throughout the southeastern region of the Sunshine State. The coupons are also located on the Moneysaver website. If you prefer having a printed copy of the magazine or coupons, the locator on the Moneysaver site can help you figure out which retail locations near you carry the print edition. In addition to restaurant coupons, you'll also find savings on everything from carpet cleaning to car repair.Big Apple Pizza's Facebook PageIf you have a Facebook account, follow the Big Apple Pizza page to receive special offers as soon as they're posted. The owners of Big Apple Pizza will occasionally share a special deal that's available only to Facebook followers. On your next visit, simply mention that you saw the offer on the Facebook page. Big Apple Pizza also holds impromptu contests on the Facebook page in which winners receive a free large cheese pizza and two-liter bottle of soda.Everybody likes to save money, and the Lino family of Big Apple Pizza want to help customers do just that. Between the daily specials and the many coupons, diners are sure to find something that pleases their palate and wallet. When you visit Big Apple Pizza, ask about its catering. The restaurant can bring those same authentic Italian tastes to your next birthday party or big corporate meeting.


Any one have tips on creature breeder?

-Get two accounts so you can separate boys and girls-Why you ask? So when you breed you get TWO eggs, this will=Fast populating-Have at least ONE creature in each farm (ten farms) in each account one tree in each one but only ONE food crate per farm-When they get hungry, move all of them to the one farm with food, feed them the put them back-The rest comes naturally, just breed your creatures, feed them and buy eggs-Do NOT I repeat do NOT buy accessories yet, when you at LEAST have 1000 fbs you can start buying-Don't fall for scams, if something seems to good to be true it probably is!!(note: You can only breed F+M and only same breed of creature, make sure you buy 9 eggs per farm, you will slowly work up on the whole CB thing, you get used to it)Creature breeder is hard It just takes timeMy tips on creature breederGet two accounts. One as your main - the other as a money waster.Buy trees, food-crates, eggs,equipment and everything in your money waster account.Then add your main account to your moneywaster as friends.Go on your moneywaster account after your friends then click on manage farms and offer the stuff to your main account.Keep doing that.After a few weeks your main account will have lots of money and lots of equipment and lots of eggs.Hope that helped!Add me on my main account!x-samia-x_______________________________________________________________btw,on creaturebreeder im ksrg11i have 3 fake accounts.chris jr,cylis,and J.J here.i use them to get money for my main account ksrg11.it helps alote since im a designer.my tips-Lets say you have a brand new account.free creature,free bonsai,free food crate/barrel(i forgot which it is),and 100 fb's.use those fb's to buy bonsai tree's and make 9 more farms.buy 9 bonsai's and put them in those 9 other farms.go around and try to breed your free creature.DO NOT BUY CREATURES YET. you want to save money,not waste it.just save up that money you get from the tree's and breed your pets.don't worry if their inbred,once you have lots of money you can sell or release the inbred's.if ur a designer and need the money and selling a design-make a completely fake account no one knows you own.send a design to that fake account and creatures(preferably all ages) make it look like ur rich,and have a bidding war with the other players bididng on that farm ur selling.they'll bid higher and you'll get money.I don't do this,but my friend did.


Saving Money by Saving Your Health?

The Jenny Craig diet is one of the most famous and effective weight loss diets on the market today. However, before starting on any diet, make sure to consult your doctor. If you are in adequate health to diet, you have a real chance of lowering many bills related to being overweight or obese by simply sticking to the Jenny Craig diet. Good diet and exercise lower not only your current bills, but many future health related bills as well. Being overweight or obese is known to be related to many health problems in later life, including cardiovascular, respiratory, allergenic, gastrointestinal, and orthopedic, among many others. Many medications used to treat the conditions brought about by obesity are chronic treatments, meaning that the payments for them never stop. You also save money today by going on a Jenny Craig diet and re dedicating yourself to health because a healthier you eats less, does not have to buy new clothes to fit an expanding waistline, uses less gas in the car, and many other benefits. Also, since healthy foods tend to cost less than do complex, fattening desserts, processed meats, and ready to go TV dinners and frozen foods, you save money immediately on groceries. Being outside also helps you save money on the electricity, power, gas, and water that you will not be using at your house. The Jenny Craig diet itself is also a moneysaver. The Jenny Craig diet is one of the least expensive diets on the market today, and there are deals for people who buy many meals at once. So as you save money in the future, and in the present, you also save money on the actual diet itself! The Jenny Craig diet is a no lose situation, with the ability to help you save money on your bills and give you better health, all with just a few changes to your daily life.


Does anyone on know anything about or had experience dealing with a company called Repo Plus out of Raleigh NC?

I have looked at their website. It is unique to the repo industry. One of a kind. So its either the greatest thing since sliced bread OR................ You fill in the blank. It shares a lot of characteristics of a business concept that is better known to the BBB and state Attorneys General. Does it offer any training at all??? Does it offer workmens comp to its employees?? Does it meet the 4 tests the IRS uses to determine if you are really a "subcontractor"? Please let the forum know what you decide. Yes our company has been working with repoplus for 8 months. Yes they are a real company. Yes they provide training. I am not an employee so I don't know about the workmen's comp insurance but I know they have 2.5 million in general liability and we are very happy to be affiliated with them. If you need any information send an email I would be happy to answer any of your questions. I have filled all the paperwork and mailed it today...I will let you know if they live up to their end of the bargain! Does anyone else have any information they can share? I would like to get some more information from someone who has a current or past employment history with Repoplus. Thanks, --Kath Go to RIPOFFREPORT.COM and type in repo plus in the search engine and you will find a few people have shared some experiences with them...hoped it helps Repo Plus is a fraud! And anyone posting here that claims they have made money with this company is ASLO A FRAUD because they will not meet face to face with anyone who wants to verify it! On another very reliable website I found this. QUOTE: REPOPLUS LLC ADVERTISES THE FOLLOWING: Claim: Their office is located at 20902 67th Ave NE, Suite 387, Arlington, WA 98223 Fact: The above address is only a mail forwarding business. There is no such "suite" in the building. The owner is MoneySaver Stowaway Storage & Mail Center with a phone of 360-435-3866. Claim: They conduct business in the State of Washington Fact: There is no business license and no corporation listed with the Secretary of State in Washington for the name of RepoPlus LLC. Claim: Their parent corporation is filed in the State of Delaware: Fact: No corporation is listed in the State of Delaware under RepoPlus LLC Fact: They are listed in North Carolina, which only gives them the authority to advertise and do business in North Carolina Claim: The Managing Director is Paul Smith. Fact: We contacted Paul Smith to offer an endorsement of his business opportunity based on verification of the company and its claims. Two emails from "Paul Smith" were received from Amsterdam, Netherlands and not the USA. Mr. Smith declined to provide us with any information at all, which included the following questions: 1) Where their toll free number of 800-205-6512 terminates at? 2) Verify that RepoPlus LLC is licensed in the State of Washington? 3) Where their company office is located? Claim: They conduct Surveillance, Fraud Investigations, Repossessions, Arson & Fire Investigation, and other types of investigations. Fact: RepoPlus LLC has no private investigative license to operate in the State of Washington. Nor do we have any evidence they have a license in any other state where regulated. Fact: RepoPlus LLC has no repossession license to operate in the State of Washington. Nor do we have any evidence they have a license in any other state where regulated. CAUTION: Acting as a RepoPlus Agent in your state places direct responsibility and liability upon you when advertising, promoting, or performing any state regulated private investigation assignments or repossession services. Nearly all states require repossession licenses for agents. Nearly all states require a PI License for surveillance and other advertised services that RepoPlus promotes. Claim: They claim to have 240 agents nationwide, and that each agent has a protected territory to solicit and conduct business on their behalf. Fact: There is no evidence to support the claim that RepoPlus has 240 agents. Fact: There are only 100 cities in the USA with a population of 100,000 or more. Therefore, it appears RepoPlus has oversold their major city business opportunities in the protected areas where they continue to promote more protected areas. OTHER FACTS: There is a Better Business Bureau Report in Raliegh, North Carolina which indicates RepoPlus LLC used to have an office there, under the same contact name of Paul Smith, with the same toll free 800 number that terminates to somewhere unknown. They advertise for employees. However, the documents received all contain a business opportunity contract at a cost of $450.00 They do not accept business checks, personal checks, or any credit cards. They only accept cashier checks and money orders, which can be cashed anywhere in the world, including Amsterdam where Paul Smith's emails come from. The four (4) contracts applicants are required to sign are authored in a manner to protect RepoPlus LLC from any criminal complaint pertaining to promising employment and income to an agent. The agent applicant, at his/her own expense, is required to establish a business name and business tax identification number before RepoPlus LLC will accept the $450.00 fee. Business to Business Agreements generally do not fall into the category of a criminal complaint as long as both parties sign. Therefore, the Business Agreement should be read very carefully as it spells out RepoPlus LLC duties of collecting a percentage on every case handled by the agent, with no guarantees of how many cases (if any) RepoPlus LLC will provide the agent. Further, their money back refund of the $450.00 is only available if the agent performs ten cases. We have no evidence that anyone has received their refund. CAUTION: One of RepoPlus LLC requirements is gathering personal identification of the applicant when the fee is mailed in. It includes the applicant's driver's license, social security number, date of birth, and last seven years of residency. 1) All of the above information may be delivered to Amsterdam, Netherlands. 2) All of the above information is necessary to access a credit report. 3) All of the above information can lead to identity theft. RepoPlus LLC requires a Bond Disclosure. However, there is no evidence of any bonding company issuing bonds to RepoPlus LLC for it's agents. SUMMARY: We cannot recommend this company based on the refusal of Paul Smith refuses to allow anyone to meet with any employee at any office in the USA and refuses to participate in verifying any item of the above; and based on the fact that no one to our knowledge has ever met Paul Smith; and based on Paul Smith's procedure of requiring his agent applicants to blindly mail in their $450 payment to a mail forwarding address without the benefit of the applicant meeting anyone at their office (wherever that may be); and based on the fact we cannot find any authorization that RepoPlus LLC can conduct business lawfully in the State of Washington; and based on the fact that RepoPlus LLC is clearly advertising services that only a licensed private investigative business in the State of Washington has the right to do; and based on the lack of evidence that their toll free number terminates in the USA when the evidence suggests it terminates in Europe; and based on the lack of evidence that there really is a commercial office where potential applicants can present their $450 fee to RepoPlus in person; and based on the company's requirement of providing personal identification to be potentially given to those in Europe where the major news organizations have reported widespread identity theft rings - UPDATED ADDITIONAL INFORMATION: Quote: Company is registered in the State of North Carolina - SOS #0698483 Registered Agent: Paul Smith Registered Office Mailing Address: 3125 Poplarwood Cr. Suite 116 Raleigh, NC 27604 (corporate address is another mail drop facility) Registered Office Street Address: 3125 Poplarwood Cr. Suite 116 Raleigh, NC 27604 Principal Office telephone Number: (309) 397-0902 Principal Office Mailing Address: 3125 Poplarwood Cr. Suite 116 Raleigh, NC 27604 Principal Office Street Address: 3125 Poplarwood Cr. Suite 116 Raleigh, NC 27604 An Internet reverse phone search for (309) 397-0902, on 01/22/05, gave no record other than it was a cellphone in Peoria, IL with service provided by Cellco Partnership DBA Verizon. A call to the number had a voicemail identified as a Cindy Tanner. A call to Ms. Tanner indicated this number is a personal cell. A whitepages.com search on the address revealed several businesses at the address, none of which were listed as Repoplus LLC. Several phone calls to current businesses at the main address revealed the building was run by a Highwoods ing Service (919) 827-4468. A phone call to Highwoods ing Service revealed #116 is a mailbox maintained at that location. A whois internet search revealed the following: Registrant: Midnight Incorporated Address: 3125 Poplarwood Ct Suite 116 Raleigh, NC 27604 US First Registered: October 15, 2003 Last Updated: October 15, 2003 Administrative Contact: Smith, Paul greengrace420@hotmail.com 3125 Poplarwood Ct Suite 116 Raleigh, NC 27604 US 919 877 5726 (This number is answered as Repoplus) Technical Contact: Corporation, Infinology help@infinology.com 270 Storke Rd Suite 10 Goleta, CA 93117 US 800-471-5391 Name Servers: DNS1.INFINOLOGY.NET 38.118.142.211 DNS2.INFINOLOGY.NET 38.118.142.212 Information Source: OpenSRS All the above was obtained from public access websites on or about 01/22/05. Also, The RepoPlus phone numbers appear to be "spoofed" and may be coming from a company called "J2 Connect" out of California You can talk to a phony name on the phone when they CALL YOU. They use something called a spoof phone. But you NEVER MEET ANYONE TO VERIFY anything. And no PI License in ANY State and NO Repo license in ANY state. They have been reported to Homeland Security because one of their contracts requires your SS and Drivers License and Date of Birth! ANYONE WITH INFORMATION AND WORKING WITH THIS COMPANY PLEASE RESPOND. WE HAVE BEEN TRYING TO DEAL WITH PAUL SMITH. HE DOES NOT RETURN PHONE CALLS, HE CANCELS CONF CALLS WITHOUT LETTING ANYONE KNOW. HE WILL NOT RESOND TO EMAIL THEN WILL CLIAM HE ALREADY DID. WE ARE TRYING TO START A REPO BUSINESS AND PAUL SMITH IS MAKING IT DIFFICULT. ANYONE GOOD OR BAD PLEASE RESPOND WE NEED INFOMATION. I just mailed off my contract to be come a skip tracer for them Then I found this forum. Can anyone tell me or give me more information on the Repo Plus. I would like to know if it is a scam before I go any further or if I'm looking into a good job relationship. Would Like to talk to individuals already working with them or companys that have dealt with them. Please e-mail me at gstutz@adams50.org. or garybearcat1@msn.com