Turning the tables on telemarketers, scammers, and debt collectors

 

1)      Tell them to get an F—n real job, like food delivery, construction, teaching school, or mining (you’ll usually scare the weak ones or the ones just starting out quit this type of job soon if not immediately)

2)      If a collections company, tell them the F—n company that you owe screwed them in the first place and that’s why you’re not F—n paying anything

3)      Tell them you are on social assistance/disability and have no F—n money to give to them, and even if you did, there would be no F—n way they’d get it in a million years.

4)      Tell them you don’t F—n care if it goes on the credit report (you’re probably already screwed anyway)

5)      Ask how they F—n got your number, you’ll stun them, because often they don’t really now, or will have some standard line they are supposed to use.

6)      Waste theirs, and the company’s, time about anything but the product or money owed. (they’ll speak to significantly fewer people and if enough people do that, they get fired from the job, and if lots of people do it, the company can go out of business)

7)      If a collections company, tell them people would F—n pay their bills if they actually had stable employment and they were happy with the company, otherwise they wouldn’t go into default, and that few people screw companies intentionally, they only default when they have to cut back spending or were f—n overcharged, especially severely.

8)      Tell them you’d f—n like to see them be able to pay their bills if they were to lose their job or became unable to work.

9)      Ask them how they feel about working in that type of job, most of them will feel embarrased, and those starting out may just quit.

10)  Ask them what their friends would f—n think about them working in these types of jobs, especially if they found out any of their friends were among those that couldn’t pay their bills.

11)  If a telemarketer, especially for duct or carpet cleaning, tell them you don’t have any ducts or carpets (which the former is always true if you live in an apartment or condo, and lots of people don’t use carpets or rugs anyway!)

12)   If a potential scammer, ask for their residential address claiming you need it to wire the funds (and more places ask for one before you can do so, Western Union I think does now require an actual address for the recipient (remember, you’re using this really so the police in their area can catch the scammer) Don’t get a PO Box!

13)  If a potential scammer, pretend to go along with the scam, and ask for their physical features, or a photo of themselves (so that you can report them to the police in their area, not to actually meet them…)

14)  Tell them it’s past the statute of limitations since you’ve owed that money and they should not be calling you to collect the debt. (in most places it’s 5-7 years, in some it’s only 3 years)

15)  If they are threatening you (and this is not allowed by Canadian and US laws) get the company’s address customer service number and report them to the police in their area.

16)   If they call you more than once a day, and outside of times permitted in your region, save the number and report to the agencies and police, as there are hefty fines for breaking the law.

What to do if your pet goes missing

1)      Think local, really local. Put up posters in your neighbourhood, and don’t forget about high traffic areas such as libraries and grocery stores, and apartment buildings near your home.

2)      Have pictures of your animal in your ad

3)      Put a description of your animal as well as an unusual physical marking, but leave out one or two other markings that you know they have so that you can help identify people who really do have your animal versus potential scammers. Describe the pet’s personality a little as well.

4)      Do an online campaign, though watch out for potential scammers if you do this, which craigslist especially has a big problem with this

5)      Check with the animal rescues, pet stores, and vets in your area, and give them a poster

6)      Put up posters within the first 12 to 24 hours after your pet goes missing.

7)      Leave out food and water near where they disappeared.

8)      Leave a couple of phone numbers with an email address to contact you.

When your pet goes missing: watch out for these signs of ‘lost pet’ scams

Recently one of my cats escaped through a window which the screen had been broken, which we got him back about 2 days later. However, we were contacted by a couple of potential scammers, which prey on people’s desire to get their pet back, and successfully foiled their scam attempts.

Here are some signs someone is attempting to make you a victim of a lost pet scam:

  1. They call (or much more commonly, text) you from a number that is not within the area you live, and often is a plane trip away.
  2. They refuse to send you a photo showing that they really do have your animal. (remember, most cellphones now have a camera built in, and many recent-model ones can take decent photos)
  3. They only provide a general city or region where they found your animal, and cannot name specific landmarks of the neighbourhood or specific residential street names in the area they found your animal.
  4. They refuse to provide a physical address or location to pick up the animal, instead wanting to meet you say, at a bus or train terminal.
  5. They claim they have taken the animal to another country. (animals cannot be taken across country borders between Canada and the US and many other countries unless all the vaccination records are with the animal)
  6. They ask for wired funds to ship the animal back, usually between $200-$2000 before you see the animal back. (it does not cost anywhere near that amount to ship an animal!)
  7. They cannot identify a specific feature or two that you have purposely or accidently left off the ad description, which someone who actually has the animal would be able to look. (this cat had white eyelids (unusual for a black cat) and the underside of his tail was a mix of brown and gray, more gray at the base.

So, if you suspect some scammer is trying to pull your heartstrings and take money from you who doesn’t really have your lost pet, ask questions about the following:

1)      Ask for them to take a photo on their phone or camera, and send it to you (scammers almost always make up some elaborate story on why they cannot)

2)      Ask for some landmarks of the neighbourhood they found your animal and/or specific names of residential streets in the neighbourhood they found your animal (almost all, if not all scammers will fail this test, while a person who really has your pet would easily be able to name them)

3)      Ask for a specific residential address or coffee shop to meet with you (they will beg you to meet at an airport, bus, or train terminal, scammers will always make up some story about why they cannot meet you locally)

4)      Say that you you don’t do Western Union, or wire funds to anyone who you don’t know (BE VERY FIRM with this), and will only hand over cash when you see your animal (BE VERY FIRM) They will sometimes keep begging you, don’t fall for it.

5)      Google the area code to find out where it is, and report that phone number to the police of the location where the scammer lives! (cell phones can be tracked even if the GPS feature is turned off, useful in both emergencies and catching criminals)

6)      Google the phone number specifically to see if the scammer is involved in other types of scams in yours and other others. (one of the potential scammers is involved in a Yorkshire puppies scam in Toronto)

7)      Ask yourself: why would someone who is visiting pick up my lost pet anyway and attempt to travel to another country without the papers?????  That’s simply not possible

8)      Ask for their residential address claiming you need it to wire the funds (and more places ask for one before you can do so, Western Union I think does now require an actual address for the recipient (remember, you’re using this really so the police in their area can catch the scammer)

9)      Pretend to go along with the scam, and ask for their physical features, or a photo of themselves (so that you can report them to the police in their area, not to actually meet them…)

10)   Report everything you collect about the scammer to the police in the location they live (many US and Canadian police departments have websites)

The Advantages of Introverts

It is thought that in North America, about 75% of people are basically extroverted, and the rest are basically introverted. And it’s the extroverts which some if not many people believe are “better” than introverted individuals; they are often perceived to be more successful in life, and introverts are often accused of being anti-social. Nancee and I happen to both be basically introverted. (but in certain aspects appear more extroverted) While neither introversion or extroversion in extremes is good, introverts have several advantages over extroverts.

While introverts tend to have fewer friends, they are usually much closer to them than extroverts. Not only that, having fewer close friends means you don’t have to get as many gifts throughout the year, especially if you have a limited income!

Introverts typically think before they act, which prevents them from making many errors and blunders extroverts make.

Introverts are more likely to persist with a long-term project than extroverts.

Introverts don’t need as high an income to survive comfortably compared to extroverts. (this does not mean they should be paid less, however)

Many of the great accomplishments in human history were made by introverts.

Introverts often have significantly less bad debt than extroverts.

Introverts are somewhat to much more likely to earn scholarships for studies beyond high school. (because introverts usually have better study habits)

Introverts do far less risky or dangerous behaviour that could get them seriously hurt or killed (such as drunk driving)

Introverts are usually much more able to resist peer pressure.

Introverts seem to rarely become teen parents. (because they are rarely engaging in teen sex)

Most of the world’s problems in the last 50 to 100 years were cause by extreme extroverts. (And introverts know how to prevent or solve them, but the extroverts rarely listen!)

Children who are introverts are usually much easier to babysit than those who are extroverted. (in high school and university, I’ve babysat both types)

 

 

Money Saving Tips that won’t make you look too much like a cheapskate (hopefully)

  1. Borrow movies from the library instead of viewing movies on Netflix, buying them, or renting from a video store.
  2. Don’t sign up for a gym membership that they deduct automatically from your bank account or credit card, because many will continue to charge those accounts long after you’ve given them notice, even notice in the proper form as in the contract.
  3. If you do go to a gym, consider one in a community center or a university campus, which the fees are often much lower if there are any fees at all, and they rarely have an automatic deduction.
  4. Many less expensive items can be bought much more cheaply at dollar and discount stores than in grocery and department stores, the exceptions being some types of food items, some types of medical and health items, and often electrical items; however, in many cases the department and grocery stores have the same brands, but have a much lower cost because the dollar/discount stores often purchase in much larger quantities. Certain types of musical instruments too, especially recorders, should NOT be purchased at dollar and discount stores, as they often have tone quality and note range problems, though percussion instruments are sometimes okay.
  5. If you know that a particular restaurant tends to serve large portions that are really enough for two people and that you can eat only about half yourself, and the other person’s a light eater too, split one large portion instead of ordering two.
  6. Load up on smaller sized burgers, tacos, and burritos at fast food restaurants instead of ordering larger ones, especially if they are under $1.50 per portion; you will often get more food for less money and have enough food for two or three meals! (Taco Bell is a great place to do this, which has hard and soft tacos for less than a buck each before tax)
  7. Know when your favourite products are priced somewhat to well below regular price, especially on milk, meat, and cheese, which are normally quite expensive, which I get extra quantities when they are 40-60% off the regular price.
  8. Take advantage of wide-ranging loyalty programs, such as Air Miles that you will get rewarded at least a few times a year. (almost every month with Air Miles I get enough Air Miles for $20-$30 worth of groceries, which helps when cash is limited)
  9. Take advantage of bonus points/miles offers on products you’d buy anyway in multiples you can use in a reasonable amount of time.
  10. Use coupons to save even more when products you have coupons for and use anyway are already on sale.
  11. Cut the cable/satellite TV. Do you really need the same shows on multiple channels, when many shows are available online, even from other countries that you wouldn’t get on the cable or satellite TV? (the UK’s BBC shows are available almost anywhere if not everywhere in the world online, which you CAN’T get on satellite or cable plans in most places! Many of their shows are of much higher quality than those in North America.
  12. Cut the Internet access at home, especially if you don’t have kids, or kids that are too young to use it, and use the internet or WIFI in cafes and public libraries. Seriously, I and my husband find that we waste hours online when now we are often practicing, composing, or arranging music. And your computers will be far less vulnerable to spyware and viruses.
  13. Don’t buy the latest technology when it first comes out; wait a few months to a few years when all or almost all the bugs in the new technology have been fixed. (I don’t even have a flatscreen TV or a Blu-ray player for example, though a new TV will be a necessity pretty soon, as the one my husband and I have which he’s had for 25 years, has been dying the last few months.)
  14. Shop at thrift stores. Especially for clothes, I’ve often found expensive name brands on clothes with the tags still on for a small fraction of the price I would have paid had I bought then in the original retailer that sells it. Some of the expensive name brands I’ve found in thrift stores include Reitman’s, Tangard (a VERY expensive Sears brand), Tabi, Talbots, The Gap, Levis, and others. CDs and movies can be often bought for a very low price; I’ve found many of my favourite movies that I can’t get enough of for $1-$2 each, even recent movies. Furniture is often a good deal, I got a $1200 Lazy E Boy couch for ONLY $90 INCLUDING delivery last year! Electronics and appliances are somewhat riskier, but many places have checked that they work, or will let you test them before you buy. Books are often at incredible prices, especially children’s books.
  15. Buy expensive items used—in most cases. Especially on some types of furniture and most types of musical instruments, particularly if purchasing mid-range or professional level equipment. Often a used model of a higher grade is the same or less than a new model of a lower grade of equipment. One exception to buying used is computers, NEVER buy them used as you often inherit the bugs and computer viruses of the previous user, not to mention that a used computer may be very slow at doing what you want, or not be able to do them at all.
  16. DON’T donate to big charities that are famous; often very little of what you donate actually goes to the people who are supposed to benefit from them, because they spend money paying their bureaucratic structure, their door-to-door and phone solicitors, advertising and mailing lists. Instead, donate to individuals in need (especially friends or family on low incomes) or small organizations that you deeply care about, or that you use the services so much that you would be happy to give some money to continue their expansion. For example, I use the public library a great deal in several ways, as well as the services of a couple of music sites, and am planning to help out a couple of youth ensembles that I’ve had students perform as members to help pay membership fees for students who would not otherwise be able to afford them. If you have a skill and the other party is interested, donate some instruction time and materials if you can afford them, perhaps in exchange for having them clean your home or expand your paid client base.
  17. Try before you buy—by borrowing them. Books and movies can often be borrowed from a public library or a friend. That way, you know if you like it or not, and far more times than not you will be glad you didn’t spend the money! Much software often has a limited time period which you can use it without paying for it, ranging from an hour or two to 30 days.
  18. Go online for free resources. There’s TONS of free worksheets for academic subjects online, lots of colouring pages, and lots of sheet music, especially Christmas sheet music. Plus Youtube often has great videos, especially music videos made by professional musicians, plus the Naxos music library is free through many universities and some public library systems. (otherwise it’s $25/year) There’s quite a few freeware games and software, one that I like that replaces almost all of the MS Office apps is OpenOffice, it has all the MS Office software I use except Publisher which I don’t mind paying for separately as I use it almost every day. There’s even at least a couple of free music notation programs online!
  19. If you go out to eat at a place that has a choice between buffet and a la carte, choose the latter if you are a light or moderate eater over the buffet. Many places are offering the buffet prices at up to 2 1/2 times more than the price of an a la carte meal!
  20. If you buy a dessert when eating at a full-service restaurant (which is usually very pricey compared to buying it yourself in a grocery store or bakery), split one dessert over ordering two, as many restaurants serve very large portions on dessert, which is often enough for two and occasionally three people.
  21. When going out to eat or going to the movies, find out when the prices are lower; here it’s usually Monday or Tuesday nights, sometimes Wednesdays, as many places charge more for premium times late in the week or on weekends. This also applies to attending musical theatre.
  22. When going to musical theatre productions, especially professional ones, skip the opening and closing night shows, as they are usually the most expensive and are in huge demand.
  23. When signing up for music lessons, take a non-prime-time slot if possible, particularly if you are an adult student who can come during the day. Some teachers charge more for times that are in significant demand, and/or discount lessons at hard-to-fill times. Not only that, if a student takes a non-prime-time slot, the student usually gets a better lesson or the teacher is happy to give additional instruction time at no additional cost!
  24. Don’t sign up for home delivery of most magazines, especially major ones; read them at the library and/or borrow them from there. The exception is magazines related to your trade or occupation, which may be difficult or impossible to find available, though university/college libraries may have them. You’ll not only save money, but greatly reduce potential clutter.
  25. Consider signing up for survey sites that reward you with points that you can redeem for rewards such as gift cards/gift certificates to places you would go to anyway.
  26. Save your rewards points until close to the end of the year, and use your rewards from loyalty programs to purchase gifts at Christmas.
  27. If you have a skill that the gift recipient could use and wants it (eg: cleaning services, music lessons), offer them a gift of service as a gift for their birthday or Christmas.
  28. Make friends in other places, and stay with them when you travel instead of booking commercial travel accomodations, especially if you’re travelling alone. Not only will you save lots of money, but you will often see places known by locals, but not frequented by tourists.
  29.  

Why artists will “live long and prosper” in the end

 Over the past 50 to 100 years, many jobs that humans once did have been taken over by machines, or taken over by hiring much cheaper labour in foreign countries, especially in the poorest parts of Asia, particularly China and India. First, it was manufacturing jobs, and most recently it’s been IT and customer service jobs for many banks which have been moved to countries with low labour costs. And it’s only in the name of ever increasing profit, without regard for the life of their local employees and families.

However, artists of all types, painters, musicians, actors, and others, are most likely going to be immune to automation and cheap labour.

What are the reasons for this? There are at least 3 of them.

First, the arts are organic, made by living creatures, and a few non-human animals have been known to create art, especially gorillas, chimps, birds, and even cats.

Second, even when there is technology involved in the creation of art, they still require human input over and over again, in several different forms.

Third, many of the countries with cheap labour costs limit or discourage creativity, and have little to no development of art, drama, and music of the Westernized world within the culture of those countries with low labour costs.

So perhaps of encouraging students towards careers in computers, finance, and science, people should try to encourage them towards arts careers if they have the interest and talent for it!

 

You know you’re a Scrabble addict when…

  1. You agonize over words that are officially in the major dictionaries, but are not in the Scrabble dictionary
  2. You know all the valid two-letter words in Scrabble
  3. You can write down all of the above 100% correctly.
  4. You know all the valid three-letter words in Scrabble
  5. You can write all of the above with 100% accuracy
  6. You know that there are no two-letter words beginning with C or V
  7. You get the Q late in the game, and are upset that you can’t use it anywhere on the board, especially when there are no tiles in the bag
  8. You are upset when you can’t use the Q on a double or triple letter tile, especially in the late game, and have to settle for very low point values using that tile
  9. You’ve formed at least one BINGO
  10. You’ve formed at least one BINGO in the middle or late game.
  11. You know all the tactics to block other players from using triple word tiles
  12. You know tactics on how to block other players from using the Q once it’s been acquired
  13. You relish the moments when you can take advantage of a high value tile in two directions on a triple letter tile (eg: double ZA, double QI, double XI, double JO)
  14. You’ve scored word combinations that are worth more than many BINGO plays
  15. You’ve broken 300 points
  16. You’ve broken 400 points
  17. You consider a low scoring game anything under 325
  18. You know that XXYYZZ is a legal word in Scrabble
  19. You have played the above.
  20. You can’t count the number of times you’ve used XI, XU, QI, QAT, ZA, and JO as a play
  21. You have thought of creating special word lists grouped by various subjects, and crossing off each of the words as you get them in Scrabble.
  22. You’ve bought Scrabble puzzle books
  23. You play Scrabble on Facebook
  24. You are a member of Scrabble Facebook Pages
  25. You’ve joined one or more local Scrabble clubs where you live
  26. You’ve bought Scrabble related items other than the game and dictionary
  27. You’ve envisioned what your name would look like in Scrabble tiles (and many common names in English are legal Scrabble words)
  28. You get upset when you realize you’ve missed a better play that you could have put down after you’ve already placed the word and scored it
  29. You get upset when you miss a BINGO play after playing your move and scoring it.

good music lessons not cheap-001

Meri’s Recent Finds at her local GoodWill Store

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Faux-fur coat, $40, new at least $300-$500, Music-themed blank notebook, $1.49, in music stores at least $8-$10, Matisse Print (French Impressionist Painter), $5, other places at least $40-$50, Alexander Technique book, in bookstores about $15, purchased for $1.49

Potato, potahto, tomato, tomahto! Keyboard, piano!

Well, aren’t they the same things? Or different?

I’m part of a Players of Musical Keyboard, a LinkedIn Group: http://tinyurl.com/anehh4m

Recently someone pos(t)ed this question there (italics mine):

Hi. Everyone! I just joined the group…I only recently started learning to play the keyboard with Youtube videos. What’s the difference between playing a KEYBOARD and a Piano?? i’m curious because someone said something about playing notes on a piano and playing Chords on a keyboard. huh?? #got me real confused!

You can read the answers of open-minded pro musicians/teachers (one of whom is a friend of mine) here:

http://tinyurl.com/by7do7c

My short take/response is that the piano is ONE of several types of keyboard instruments. (Even in formal academic settings, the word keyboard is used as a general term to refer to organs, pianos, harpsichords, etc.) Fingerings, keys, etc., are exactly the same.

The main differences:

*Action. Acoustic pianos have higher action (meaning you have to press the keys harder to make a sound) and some have lighter one. Grand pianos typically have higher action than upright or other smaller pianos. Modern organs, portable keyboards, digital pianos, and synths have lower action. On digital pianos, the action can be controlled or adjusted to your preference.

*Sounds. Obviously, all acoustic pianos only have one kind of sound—that of an acoustic piano. The organ has many different sounds available. Digital pianos, portable keyboards, and synths have the sounds of instruments other than keyboards. If you have an eclectic taste in music, a digital or synth is your best bet when it comes to owning a keyboard instrument. Its practicality (size, portability, and no tuning necessary) is a good enough reason to have one.

It’s important to spell out the differences because, believe it or not, there are those who think the piano is pretty much the same as the organ! Let me tell you something that happened many years ago. I was asked to be an accompanist for a wedding ceremony. It’s usually an easy thing, especially for a traditional one, since the instrument, usually an acoustic piano, is normally already available at the venue. The bride assured me that there would be a piano. On the day of the wedding, I was just pretty shocked to find that there was INDEED an instrument—a PIPE ORGAN! NO PIANO in sight! She had a little “duh” moment. She thought that the piano was basically the same thing as an organ and people who played the piano could automatically play the organ (and vice versa—common misconception right there)! There was a back-up instrument, a portable (cheapo) keyboard, but that didn’t work, either. Someone didn’t do one’s due diligence. There was only a little bit of live music as a result. Nonetheless, the show had to go on, and it just so happened that one of the invitees knew how to play the organ and she was drafted as an emergency organist for the ceremony. Live music for the reception was skimpy because a properly working piano or keyboard wasn’t available.

For the record, there are distinct skills on the organ that are non-existent on the piano such as registration, the technique of choosing and combining the stops (sounds) of the organ, as well as pedaling, which is basically playing the keyboard with your feet! This is entirely different from pedaling on the piano, which mostly deals with sustaining the sounds. (There are other pedals on the piano that perform other functions, but I won’t get into them as they’re a bit beyond the scope of discussion here, and they’re not as frequently used as the damper/sustain pedal.)

As for playing notes on the piano vs. playing chords on the keyboard, it’s just a matter of confused terminologies. Three or more notes constitute a chord and they are played on all kinds of keyboards. Notes can be played separately, one note at a time, in blocked chords (several notes played at the same time), broken chords (notes belonging to certain chords played individually), or a combination of all of those elements. It’s as simple as that.

There’s so much confusion and misconception about the piano, keyboard, etc., and I’d love to shed some light on the subject. Please do feel free to shoot me any question(s) you may have so I can address them on my next blog/article! :)

Peace!

Nancee

http://pianolessonsredlands.com

http://www.facebook.com/NanceeMarinMusic

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