I just realized that I put yesterday's date on all forty one pages of the mortgage refinance papers I got by email today. I find it so funny that I must hurry and return them to the loan officer when the date on them clearly shows they have been sitting on her desk for at least four days. Oh well, the annoyance is worth the significant savings over the life of the loan. This is the largest part of a number of different cost cutting/money saving efforts I'm undertaking this year. The other that was to get crossed off the list today was to cancel my Vonage service as I finally got the Magic Jack
all set up and working. Apparently, even though everyone I know who switched to Vonage service around the same time (we all moved together in a group and got referral credits) remember distinctly asking if this was committing us to any length of service, I find out today that you are actually committed to a two year agreement. Over the phone they can tell you there is no commitment, however as soon as you go on line to their account manager and accept the terms of service (which I normally read, but didn't this time because I thought I was dealing with a reputable company) you have just accepted a two year agreement. The cancellation fee isn't that bad ($40 roughly) but I'm still within my first year of service which means I'd also have to pay back the rebate on the Vonage device ($100 roughly). I'm just a couple of months from my one year so I'll pay a lower plan for a couple of months and then pay the cancellation fee and finally be free of that cost. So, at the moment I wouldn't recommend Vonage. After I've been with Magic Jack a while I'll let you know my thoughts if you're interested.
all set up and working. Apparently, even though everyone I know who switched to Vonage service around the same time (we all moved together in a group and got referral credits) remember distinctly asking if this was committing us to any length of service, I find out today that you are actually committed to a two year agreement. Over the phone they can tell you there is no commitment, however as soon as you go on line to their account manager and accept the terms of service (which I normally read, but didn't this time because I thought I was dealing with a reputable company) you have just accepted a two year agreement. The cancellation fee isn't that bad ($40 roughly) but I'm still within my first year of service which means I'd also have to pay back the rebate on the Vonage device ($100 roughly). I'm just a couple of months from my one year so I'll pay a lower plan for a couple of months and then pay the cancellation fee and finally be free of that cost. So, at the moment I wouldn't recommend Vonage. After I've been with Magic Jack a while I'll let you know my thoughts if you're interested.I've babbled longer than most days and said nothing about the photo. I've been considering doing a series of photos on things I love. Not sure that this is the start of it, but Diet Orange Sunkist (over crushed ice) would certainly rank near the very, very top of things that make me smile. I gave up caffeine entirely a little over two years ago, but I've slowly let it creep back in now. I go to the doctor tomorrow for my first physical in a few years and - well - we'll see how that goes and what that means for my potential caffeine intake in the future.
Here's to Thursday!!
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Great shot!
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