Wednesday, August 20, 2014

Problem with Wells Fargo

I bought a house in April and as soon as I saw how much I was going to be paying in PMI, I decided I would NEVER make my payment on the first...you know, how I'd done it for...my whole adult life. I figured if "they" were going to charge me so much for absolutely nothing that would benefit me, then I would hold onto my money until the very last second. My first month or so was a transition to Wells Fargo from the original lender, so I had a month of peace. Once they got everything settled, they started calling when they didn't get their payment on the first of the month. I paid attention this month, and they started calling -NO JOKE- on August 8th. I answered the phone finally, not realizing who had been calling repeatedly. At first I almost threw up, because when he was "attempting to collect a debt" I thought, "OMG it's September already and I didn't pay the mortgage in August!" I even asked him, "It's still August, right?"

When I realized *I* was not the crazy one, I informed him, "I told the last people that called that you guys don't need to call me. I'm ALWAYS going to pay by the 15th and you don't need to call me to find out when."

But that wasn't good enough. Since I didn't make a payment on the phone right then, they kept calling me. Over and over and over again. They are now in my phone as "Wells Fargo Idiots." Seriously. I made the payment on August 14.

So imagine my surprise when I opened up some mail I got from them a few days ago. Check this out.

The date on the letter? AUGUST 8. They sent this letter in regards to August's payment, and it was literally *8* days into the month. This was after the guy recognized I have until the 15th to pay it. And after I told him I was going to keep my money as long as I can, just because I CAN.

What am I missing? Why are they hounding me? Why would they do this to anyone? What a waste of money, time, and resources! All I can say is that if I ever have a choice, I will NOT be doing business with Wells Fargo. Kids, save up your money and pay cash for your first house, because dealing with these nut jobs is just too much!

Friday, August 15, 2014

Trampoline Fun

When we rented a house for three years, my kids knew that the lease stated "no trampolines," so the week after we purchased a house this past May, I bet you can guess what they started begging for! They wanted the trampoline before we moved into the rental, but I wasn't about to purchase one that I had to move, so they had probably been wanting one for 4-5 years! We had already raised the money through consignment sale proceeds, so it was just a matter of getting to it. We are now proud owners of a 15' Skywalker trampoline like this one:
My kids are 11 and 13 now, and you might think after a few weeks they would be bored with it already. However, even though it has been amazingly hot outside, they have continued to jump on it! They are learning skills like front flips and my daughter is working on her cheerleading jumps. It's great exercise and they come inside all sweaty, even when they jump in the cooler temps. My son has had knee problems for the past couple of years, so I'm hoping that the jumping is improving his muscle tone and endurance without straining his knee. He seems to think it's working. His goal is to slam dunk in basketball eventually!
I do think there is something to be said for making children learn patience with things they want. Both of my kids are really busy, and you would think they wouldn't have time for jumping on a trampoline. But they make time for it because they really appreciate having a trampoline FINALLY.
I know a lot of people have gotten hurt on trampolines, but the net on this one is very safe. As you can see in the picture, the covered springs are on the outside of the net. Also, the net really does work as far as "catching" a jumper if he misjudges his landing. I believe it's caught both of my kids' faces so far LOL. We do have it staked down so it doesn't end up in the neighbor's yard. I've heard many horror stories about that as well. If you get a trampoline, please make sure to stake it down!

Tom Woods