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mollymeow

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  1. Yeah, you really don't need to worry about it in Amsterdam. They are really excited to show off their English and really don't want to hear you speak Dutch. LOL But for your co-workers, try asking them what Sinterklaas and Zwarte Piet brought their kids (Dutch Santa and his helper). Or you can ask for a recipe for bitterballen, which is SO good! It's like a fried breaded meatball. Or, you could just wander around the office yelling "te duur!" (Too expensive) They'll all relate to that! LOL
  2. If I missed where you're from, I apologize. I am a certified paralegal. Graduated top of my class in 2005. Got my notary on top of it. Have yet to find a job in the field. Here in central CA, everyone wants a bachelor's. They don't care what field it's in. I wasted a bunch of money and time. I still love the field. But honestly, I would call around to some of the larger firms in your area and ask what they look for when hiring paralegals. That way you'll know exactly what you'll need to break into the field. Also, be prepared to work as a runner for minimum wage to get your foot in the door. Honestly, I'm not trying to be negative. That has been my experience and I would hate to see you go down the same path that I did. Good luck!
  3. Former Blockbuster store manager here. Store records only go back 90 days. If you go into the store, they have a form that you can fill out that they send to corporate to get your history details. Call ahead of time and find out when the store manager works as they are probably the only ones that will have a clue what you're talking about. They will want a date range, and won't allow you to get the whole thing. I would ask for the two months after the date of the check. It will take up to 10 days for that to come back to the store. Do yourself a favor and ask them to read it to you - it's incredibly confusing if you're not trained. Last I checked, the CA they were using was Credit Protection Associates, they've used them for years and years and years. I would call that store manager back and just ask them who they use for collections now. Only the store manager will know. If they're no help, don't be afraid to ask for the District Leader's voice mail line. I would just verify that as a couple years back, we had heard at store level that someone was claiming to be representing Blockbuster in a debt. I can pretty much guarantee that they will not put anything in writing for you that you never bounced a check. But you can get that history for the time period that it happened in. That should help you! Good luck!
  4. I have no idea what I'm doing with this. Any guidance would be appreciated! FHA 30 year fixed, 3.5% down Sale/purchase price $160,000 Mortgage amount $157,102 Interest rate 6% Estimated Monthly Payment: P&I 941.91 Insurance 58.00 Taxes 166.67 PMI/MIP 70.37 Total: 1236.95 Commission paid at settlement: 0 Commission tax: 0 1% origination fee: 1571.02 0% discount: 0 Appraisal fee: 455.00 Credit report: 28.00 Appraisal inspection: 100.00 Processing fee: 395.00 Underwriting fee: 480.00 FHA upfront MIP: 2702.00 Settlement or closing fee: 500.00 Notary: 175.00 Title ins-lender coverage: 500.00 Escrow/loan tie in fee: 125.00 EDD to 3rd party: 75.00 Endorsement to title-other: 25.00 Sub-escrow fee: 125.00 Recording fee-deed: 100.00 Courier/Messenger-3rd party: 75.00 Wire transfer-3rd party: 35.00 Estimated total closing: 7466.02 Interest estimated 15 days @ 25.82/day: 387.30 Mortgage insurance premium: 0 Fire and hazard insurance premium-1 year: 696.00 Flood insurance-1 year: 0 Hazard insurance escrow-7 months: 406.00 Mortgage insurance escrow: 0 City property taxes: 0 County property taxes-5 months: 833.35 Aggregate accounting adjustment: (464.02) Total estimate prepaid expenses: 1858.63 Total estimate of settlement costs: 9324.65 Estimated cash required to close: Estimated total settlement costs to be paid at closing: 2701.65 Estimated closing costs to be financed: 2702.00 Items paid outside of closing-0.00 and other credits-6623.00: 6623.00 Subordinate financing: 0 Pruchase: down payment amount: 5600.00 Earnest money paid: 0 Closing costs to be paid by seller: 0 by lender: 0 (she told us in the email with the GFE we had to ask sellers for 2500.00) Estimated cash required to qualify and close (verifiable liquid assets): 12222.65 Estimated cash required to bring to closing: 5599.65 Mid fico score: 742, hubby 727 We will NOT be buying this much house. We made it clear we wanted our payment to be no more than $1100. We're looking at houses that are in the 125,000 range. I just want to make sure that this sounds right. We're getting a lot of jumbled information from our rep. Thank you!
  5. Wow, I'm a manager at Blockbuster and I see this situation all the time. I don't understand why people expect to be able to redeem the card for something other than 2 movies, 2 cokes and a popcorn. That's what the card is good for. Think of it this way: You cruise through the coupon section of your Sunday paper. In doing so, you find a coupon good for 75 cents off a bottle of Windex. Are you going to take this to your supermarket and argue with the manager when the cashier won't allow you to apply the coupon to a gallon of milk? It's the same concept. These cards ARE bought in bulk. They are not available in the stores. They are purchased through our corporate offices for other companies to give out as incentives to their employees, investors, etc. They are not even truly gift cards - they are processed in our systems as a coupon. I apologize if I come off as rude. That is certainly not my intention. I love my job and take pride in providing excellent customer service. I'm just tired of having myself and my coworkers screamed at and called bad names because someone wants special treatment (not saying that anyone here falls into that category). We at the store level have to follow policies and procedures, just like 99% of the population has to in their jobs. Again, I apologize for my tone and hope that no hard feelings were incurred from this post.
  6. I'm a manager at Blockbuster, and I can tell you that every store I know of is ALWAYS looking for reliable people to work nights and weekends. The salary isn't great, but the benefits are pretty good. 5 free rentals a week, insurance, discount, etc. If I were in your position and wanted to apply at Blockbuster, I would be honest on the application. When you apply, ask who the hiring manager is. Wait a few days after you apply and call that person. Explain to them exactly what you just told us. You shouldn't have a problem. This is going to sound very bad, but we're always excited to get adults applying for jobs. A lot of stores only get teenagers, most of which seem to just not care and stop showing up after a couple of weeks. If you're over 21, you're almost guaranteed a job. Hope this has helped, and good luck!
  7. And just wait until August 15th, when that infamous "biter" production company, The Asylum, releases "Snakes on a Train" on DVD. No kidding. I can't wait for this one. I'll be at work (Blockbuster) making sure that everyone who rents it is getting the right movie - I guarantee that 9 of every 10 customers that bring it up will think "it's that one there in the theater."
  8. What county in CA? Did you have a lease with the old owner? Was it month-to-month? What did it say about rent increases? When did it expire? Did the old owner mention anything to you about the rent being part of the sales contract? If not, do you know how to contact the old owner? Sorry to ask so many questions, but this is where you'll start to find the answers. Depending on where you live, I might be able to refer you to someone. I'm in the Valley, too.
  9. My dad calls his a "valice." I think that's how he spells it.
  10. If you signed up for Blockbuster Online in the last 30 days, you can call the customer service number and they'll give you a free month due to the new promotion. If you want to do this and can't find the number, you can get it from a local store or let me know and I'll get it for you.
  11. I've also got this in medical collections, but thought I would cross-post here just in case. Back in 2003, DH was treated at a local hospital. He had insurance at the time but never received an explanation of benefits or a bill from the hospital. We got a collection notice stating the amount due. It was such a small amount that I decided to just send a PFD. This was at the end of March. Today, we received a letter from them denying the PFD. They stated that I attempted to settle for less than the full balance (untrue). Here's the kicker - a quote from the letter: "The account in question has been validated (it has not) and determined the amount billed to you in inaccurate. According to our records, your insurance carrier applied $XXX to your patient responsibility, not $XXX. We are in the process of increasing the account balance to reflect the appropriate amount of $(triple the original amount)." They go on to state that they included a copy of the explanation of benefits (they did, it's the first I've seen of it) and a copy of the itemized charges (this was not included). I have NEVER requested validation on this account - though he does have another account with them that we did DV on. They have NEVER sent validation. My question here is, can they do this? I'm sure as shooting DV'ing this sucker, but I'm curious about the balance increase. Anyone have any insight? I appreciate it, thank you. A little addendum - we're in contact with the insurance company attempting to get a "real" explanation of benefits, as under services this one just says "hospital." Quite honestly, I think it's a fake.
  12. Back in 2003, DH was treated at a local hospital. He had insurance at the time but never received an explanation of benefits or a bill from the hospital. We got a collection notice stating the amount due. It was such a small amount that I decided to just send a PFD. This was at the end of March. Today, we received a letter from them denying the PFD. They stated that I attempted to settle for less than the full balance (untrue). Here's the kicker - a quote from the letter: "The account in question has been validated (it has not) and determined the amount billed to you in inaccurate. According to our records, your insurance carrier applied $XXX to your patient responsibility, not $XXX. We are in the process of increasing the account balance to reflect the appropriate amount of $(triple the original amount)." They go on to state that they included a copy of the explanation of benefits (they did, it's the first I've seen of it) and a copy of the itemized charges (this was not included). I have NEVER requested validation on this account - though he does have another account with them that we did DV on. They have NEVER sent validation. My question here is, can they do this? I'm sure as shooting DV'ing this sucker, but I'm curious about the balance increase. Anyone have any insight? I appreciate it, thank you.
  13. Also, don't forget to check with your local utility company. I know ours will give you a rebate for purchasing energy star appliances.
  14. LOL! That's just begging for validation. I for one am dying to know how they figured out it wasn't your trash! Do they actually go through the bins and read mail, etc., to make sure that the trash belongs solely to the renter of the bin?

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