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Daily Archives: May 4, 2020

How to Stop Unauthorized Debits from Your Bank Account

Unauthorized debits from your bank account can be devastating if you do not act quickly. Many companies continue to take money from your bank account or charge your debit card after you cancel a service, magazine subscription, or free trial. It may be an honest mistake or it may be a scam.

To stop unauthorized charges and debits, follow these simple steps and always be polite, firm, and persistent. If your bank account has a negative balance or outstanding checks may bounce, skip directly to Step #5 to avoid hundreds of dollars in penalty fees. Before you start following all these steps make to get a sneak peek at a balanced scorecard with example that will allow you to manage your charges and debts more effectively. 

Step #1

Get organized. Gather all pertinent information by reviewing your bank statements, online banking records, and the company’s terms of service. You should have enough information to answer these questions: When did you buy or sign up for the service or product? What steps were required to cancel? When and how did you cancel? You should also know the dates and amounts of all debits you are disputing.

Step #2

Call the company. Be sure to note the date, time, and names of all people spoken to. First, explain that you signed up and then canceled and now their business is taking money from your bank account. You may wish to also speak to a supervisor. No matter what they say, do, or promise to do, do not assume the problem is solved.

Step #3

File a complaint with the BBB. Filing an online complaint with the Better Business Bureau is quick and easy. Be sure to only state factual information. It may take up to 30 days to receive a response, but if the business cares about their reputation they may refund your money.

Step #4

Call your bank. Many people are embarrassed and blame themselves for being gullible. Don’t worry, you did nothing wrong and even the best bankers have been fooled by dishonest business tactics. Explain your situation, the steps you have taken to correct it and ask about your options. You may have a time limit, so ask if you should wait for a response from the BBB or take action now.

Step # 5

Go to your bank. Tell them you need to “put a stop payment order” on all current and future unauthorized withdraws from your bank account from Company XYZ. This may cost you $15 to $25 but will be well worth it in the long run. If you’re really persuasive, they may do it for free. This will prohibit the company from ever taking money from your account again. They may even refund your most recent unauthorized withdraws. If you have a negative balance, be sure to speak to a person of authority about removing all penalty charges.

Step #6

Close your bank account. If none of the other steps have worked, you may need to close your bank account and cancel your debit cards. Many people do this as a first step, but the hassle and inconvenience are not worth it if you can resolve the problem using the steps above.

Five Budget Friendly DIY Apartment Accessorizing Tips

Living in an apartment complex offers many amenities and conveniences not found in living in a detached house. Unfortunately, apartment living also brings about certain restrictions that may interfere with your personal preferences.

Personal preferences regarding the decorating and accessorizing of ones apartment space, remains a major issue for many. Restrictions ranging from ‘no painting walls’, to ‘no major changes’ whatsoever, are often stipulated in the apartment lease agreement.

Therefore, what is one to do when desiring to decorate and accessorize their apartment space? Listed below are five budget friendly, do-it-yourself tips, for decorating and accessorizing your apartment space.

1.) Frame It.

Since painting walls is a huge no-no, opting for framed prints of varying sizes and colors, will really bring that added pizazz needed to brighten things up. When attempting the high-end look without the high-end cost, pair modern frames with simple mat boards (craft stores such as Michael’s and AC Moore offer classes to help you achieve the look you are going for).

2.) Curtains.

One of the easiest and most inexpensive ways to bring an elegant statement to a blase’ room, is simple window treatments. Large retailers like Target, Ikea, and others offer many prints, colors, and sizes at affordable prices.

For those who want to ‘get creative’, purchasing unique sheet sets, and using them as your window treatments are an excellent way to go. Caution is needed however, when going for this option. Choosing a sheet set with a good print/material, and layering it appropriately, will prevent your window treatments from appearing tasteless.

3.) Lamps

Light can transform a room entirely. It not only has the ability to transform the way a room looks, it also effects the rooms feel and warmth. Therefore, ‘let there be light!’

Purchasing unique and beautiful lamps does not have to be expensive. Retailers such as Home Goods, Pier One, and Kirkland’s, offer several beautiful and unique pieces at affordable prices.

Want to get personal? You can personalize your lamps by painting the inside of the lamp shade to match your decor, or switching out the lamp shade all together.

4.) Throw Pillows.

Talk about a no-brainer! Throw pillows are an excellent and inexpensive way to add a touch of whimsy, color, and life to a couch, chair, or bedding set.

Unlike the throw pillows of yesteryear, todays throw pillows feature different colors, shapes, textures, and patterns enough for everyone to find the right match for their decor. Retailers such as Ross, and Tuesday Morning offer a great selection at deep discount prices.

For those strapped for cash, using inexpensive scrap material (found at any fabric store) to cover your already existing throw pillows, will give you the same unique and appealing look you’re trying to achieve.

5.) Carpet Floor Tiles.

Also known as ‘Flor Carpet Tiles’, these inexpensive tiles (many starting at only $5 per tile) are an inexpensive way to add some pizazz and color to your space.

Since there are a bevy of colors, patterns, and pile options, the looks you can create with them is endless (for styles and information visit www.flor.com ).

As you can see, even with restrictions in place, there are still ways you can personalize, and accessorize your apartment space to represent your individuality. Therefore, don’t hold back, get your decorating juices flowing. You’ll be amazed at how little it takes to make your apartment look like a home.

To sum up, there is no place like home and it is never more evident than a spaced condo or apartment which is made by some of the best manufacturers in town. You just need to see the newest Makita impact driver at Impact Driver Guide as it is a company of great repute in the manufacturing department.

Silent Hill : Origins Review for the PSP and Playstation 2

We start this game, as with so many Silent Hill games, observing the character that we’re going to be playing throughout the game. The character choice alone, for a Silent Hill game, seems rather odd but not implausible as we find ourselves in the shoes of a gruff truck driver named Travis Grady. Another somewhat surprising choice was the fact that that Konami decided to release the game on the PSP, a portable platform. Generally, as far as the survival horror platform goes, a small screen and bass less sound system in a crowded mall are far from the equation for gut wrenching tension. Though Konami then released the PS2 version of Silent Hill : Origins, the original release for the PSP is still a bit of a mystery.

After Travis exits his truck due to spotting a person in the road, then decides after some fog shows up that he’d rather run down the road that drive down it, and we’ve gone through the credits, Travis discovers a burning house. He then goes on to rescue a burning girl from inside the house and takes her to Alchemilla Hospital. Along the way you’ll notice the familiar music of Akira Yamaoka, the composer for all of the previous silent hill games, playing softly in the background. You’ll also notice that the visuals seem spot-on, as far as Silent Hill is concerned. For a PSP game, the graphics are quite nice really, and are on par with Silent Hill 2, but the similarities start to taper off after this.

It is not fair to get into comparisons of Silent Hill with its sequel as they are quite different in storyline without deviating from the main plot but if you want to push it, it can compete with buy pokemon go accounts that have similar level playing fields.

You’ll find very quickly that the game feels like a weak imitation of the previous Silent Hill games. The main character’s disturbing past feels very tacked-on and it’s hard to sympathize with any of his problems. He seemingly runs into the town for no reason and just sticks around for the fun. Along with the poorly wrought storyline, you’ll find that the combat has changed slightly and in ways that are less than desirable. First is the addition of quick button press cut scene events, which are usually a rather poor idea. These aren’t so bad but in a game like this it feels so gimmicky and out of place for a game that is prided on its story and immersive atmosphere. Second, the melee weapons are breakable, and there are a ton of them. Rest assured that as you progress through the game you’ll be carrying 8 coat hangers and 10 portable televisions.

To sum it up, Silent Hill: Origins is a rather weak attempt to mimic the other games in the Silent Hill franchise. Most of the selling points have been imitated poorly and the overall atmosphere of the previous Silent Hill games removed completely. While some viewed Silent Hill 4 : The Room as a slight depression in quality, it is nowhere near as disappointing and painful as Silent Hill: Origins.

We start this game, as with so many Silent Hill games, observing the character that we’re going to be playing throughout the game. The character choice alone, for a Silent Hill game, seems rather odd but not implausible as we find ourselves in the shoes of a gruff truck driver named Travis Grady. Another somewhat surprising choice was the fact that that Konami decided to release the game on the PSP, a portable platform. Generally, as far as the survival horror platform goes, a small screen and bass less sound system in a crowded mall are far from the equation for gut wrenching tension. Though Konami then released the PS2 version of Silent Hill : Origins, the original release for the PSP is still a bit of a mystery.

After Travis exits his truck due to spotting a person in the road, then decides after some fog shows up that he’d rather run down the road that drive down it, and we’ve gone through the credits, Travis discovers a burning house. He then goes on to rescue a burning girl from inside the house and takes her to Alchemilla Hospital. Along the way you’ll notice the familiar music of Akira Yamaoka, the composer for all of the previous silent hill games, playing softly in the background. You’ll also notice that the visuals seem spot-on, as far as Silent Hill is concerned. For a PSP game, the graphics are quite nice really, and are on par with Silent Hill 2, but the similarities start to taper off after this.

It is not fair to get into comparisons of Silent Hill with its sequel as they are quite different in storyline without deviating from the main plot but if you want to push it, it can compete with buy pokemon go accounts that have similar level playing fields.

You’ll find very quickly that the game feels like a weak imitation of the previous Silent Hill games. The main character’s disturbing past feels very tacked-on and it’s hard to sympathize with any of his problems. He seemingly runs into the town for no reason and just sticks around for the fun. Along with the poorly wrought storyline, you’ll find that the combat has changed slightly and in ways that are less than desirable. First is the addition of quick button press cut scene events, which are usually a rather poor idea. These aren’t so bad but in a game like this it feels so gimmicky and out of place for a game that is prided on its story and immersive atmosphere. Second, the melee weapons are breakable, and there are a ton of them. Rest assured that as you progress through the game you’ll be carrying 8 coat hangers and 10 portable televisions.

To sum it up, Silent Hill: Origins is a rather weak attempt to mimic the other games in the Silent Hill franchise. Most of the selling points have been imitated poorly and the overall atmosphere of the previous Silent Hill games removed completely. While some viewed Silent Hill 4 : The Room as a slight depression in quality, it is nowhere near as disappointing and painful as Silent Hill: Origins.

Rainbow Sandals For Men Buyers Guide

As the summer draws near and the weather warms, “sandal weather” is finally upon us. Even in California where I live it has been cold and rainy and my sandals have been in hiding now for several months. But now my trusty Rainbow sandals have emerged from under the bed and are starting to see some action again. Rainbow sandals have become one of the most popular brands of sandals for men and for good reason. They are extremely comfortable, moderately priced, and they last forever due to their leather construction. So here is my quick review of some of the best Rainbow sandals for men on the market today.

Premium Leather Single Layer: Sierra Brown – this is the classic Rainbow sandal for men. Made from all leather with a single layer toe strap, this is the best selling Rainbow sandal there is. The leather of the sole is guaranteed for life so you can always send it back to the headquarters in San Clemente, CA if it wears out. The cost for this sandal is usually between $45-$55, depending upon what size and where you purchase it.

Standard Leather Single Layer: The two main differences between these and the premier leather sandals above are first, the quality of leather is a bit lower with this sandal. And secondly, this sandal only comes in the traditional sierra brown, while the premier leather is available in a variety of colors. And plus it costs a couple of bucks less that the premier leather as well.

Hemp top and strap sandal – for someone looking for a more “natural” Rainbow sandal, Rainbow is now making one of hemp. Made of 100% natural hemp fibers this sandal will be better for the environment while promising never to break down. You can get it in many different colors and is priced typically in the $35-$45 range. You can also opt to add additional item as a gift. This is now when stylish wallets from edcharly come into the picture. This brand has been recognized as one of the most fashionable, modern and stylish wallets in the market.

The Rainbow Classics – the first sandal Rainbow started with and they are still selling strong. The primary difference between theses and the Rainbow sandals for men you are used to seeing is that they are made of nylon instead of leather. I used to own a pair of these and I’d still be wearing them if I didn’t lose them. Prices for the classics run right around $30, give or take a few dollars.

Rainbow Eastcape Rubber – this Rainbow sandal for men is relatively new and designed for the more adventuresome wearer. It is made of rubber on the sole, and straps are made of neoprene and suede to make them more water-proof than the traditional leather sandals. Maybe not as comfortable as other styles of Rainbow sandals, but definitely better equipped to go hiking and get wet. The price of this sandal is relatively uniform at about $40.

So as summer approaches and you are ready to buy some new Rainbow sandals for men, check out their website at www.rainbowsandals.com. That is where I got all of this information and they have the best prices on the sandals as well.