I handed it over to Rick and said, "Hey look at this. Looks like a check but we are not supposed to be getting money back from the IRS"
Rick grabbed the envelope and opened it. It was indeed a check for $351.00 along with a letter.
The letter stated that we overpaid our quarterly estimated taxes so they were refunding us $351 and taking $105 for a penalty because we overpaid.
WHAT?
We overpaid and there is a penalty? I wonder what the penalty would be if we had underpaid? I was worried about cashing the check so I called our friendly IRS and they said it was indeed correct. We overpaid so there is a penalty charge of $105.
I want to say, I can't believe it. However, we all know the IRS has some strange ass rules so I guess I should just appreciate they gave me the $351. That's what they think so I will cash it and shut up.
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I have been getting calls daily from scam artists calling themselves sales people.
If I am on the phone it will go to a voicemail telling them I'm on the phone.
They leave a message telling me that they would like to finalize our discussion we've been having regarding our loan funds.
Or the other message is that they tell me they are calling me back to share that they got a better offer for me than what we previously discussed.
Either way, I never spoke to them, I don't have a loan with them and I don't wish to have anything to do with them.
Yesterday someone called again to discuss our "capital"
I let him go on and on and finally he stopped talking.
I asked him if he knew what a good sales person does.
He responded with, "pardon me?"
I repeat my question.
He said, "I guess not"
I said, "exactly. A good sales person asks questions and then LISTENS. You have called me and never stopped talking then add the fact that you are lying to me. So if I did want to get some extra capital do you think I would use you?"
He laughed. The ass laughed.
I asked, "So you stated you want to go over my loan with me. What loan might that be?"
Ass on Phone: "Well that is just a ploy to get you to talk to me or call me back."
Me: "Gee, no kidding. Please take me off your calling list because someone who works in such a sleazy way isn't someone I wish to do business with."
Ass: "But you probably need some capital and we could help you."
Me: "Please remove me from your call list. Have a good day." (Hung up)
I wonder how many people fall for that sleazy approach?
We are a very small company who did a very big job for a large contractor.
The job was over a 6 month period this past year. We finished in January.
We knew that we couldn't do this job and not get paid for 7 months.
This would most certainly strap us.
So in our contract, we asked that we be paid monthly on what was completed.
The company said they would give us a draw monthly based on what was completed. That was the compromise. Even though we did the work and should be paid they would only give us 90% of the pay until the full job was completed. A draw of our own money was odd but better than nothing. We have a lot of expenses going out for this large job including payroll, travel and hotels so we appreciated them paying us monthly even if it wasn't the full amount.
During this time we got a call from a company called On Deck who helps small contractor type companies like us and loaning them money. You repay it back daily as an auto draft. I listened to the spiel, I asked all the questions. I then spoke to Rick about it and he agreed this may help while working on this job. So we did it. A small amount but enough to help offset things when the above-mentioned company didn't pay on time or when we had to wait for our first check after 3 months. So much for their idea of monthly pay. We are still waiting for our last check. It's May, job completed in January.
This company On Deck who gives contractors credit was great to work with, professional and it saved us.
Once the company paid us most of our money they owed us we paid the loan off.
So it was quick and painless. Helpful when we needed it.
They didn't scam me with telling me they have better rates to readjust my current loan with them. (yes one actually said that to me, a loan we didn't have) It was straight forward, honest and it helped during that time. If we ever needed to do that again I would use them. The sleazy companies calling me lately could learn a lesson.
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We had a goofy customer this morning.
She had an estimate with Rick 3 weeks ago. She asked me to call her 20 minutes before he was to be there so she could meet him at this apartment that she owned and did not live in . I did as asked.
She booked the appointment and I told her we would be there at 8am. I sent her an email stating confirmation of her appointment and we would be there at 8am on said date. I called her yesterday, the day before her appointment, to remind her of her appointment and that we will be there at 8am. She said, OK
We get there at 8am and she is not there. We can not get in the building. We tried to call her all morning. At 8:40a I was able to reach her. She said I was to call her to wake her up and meet our technician there. WHAT? I'm an alarm clock now?
I replied with an I'm sorry, I didn't realize that I had to do this again. You mentioned it was necessary for the day of the estimate but you never said that to me again. She then said, "I didn't know you were stupid and that I'd have to repeat it to you."
OMG. I bit my tongue. I wanted her $2500+
She said she was on her way to meet our 'man'.
She gets there and Gary calls me about an issue. She is in the background screaming like a cat. What played out while I was on the phone with him was scary nuts. Her handyman was there - he installed the tiles she bought and asked him to install. She sees these tiles and flips out. She now has no recollection of telling him that so she wants this taken down and she is not paying her handyman for all this work, she screams. I hear the handyman scream that she is nuts and where did I get the tiles to install - you bought them and paid for them and told me to put them up. She insists she did not buy them or say this and will not pay for it so take it all down. He says no. He calls her crazy and he didn't buy them. She says they are ugly and on it goes.
Gary is trying to get this all on track and about him so he can move on and start the damn job. He points out the damage that was done since the estimate by the handyman. The handyman is honest and along with Gary they show her and explain what Gary will have to do. He never said there would be a charge or anything just wanted her to see it so she was aware. No surprises is our saying here. We also weren't going to charge her but needed her to be aware.
Apparently being aware is not good for her. That just made her flip out again and begins screaming, stomping her feet and screaming some more. (Gary said she behaved worse than his toddler having a meltdown)
At this point, all I hear is the handyman and her voice screaming at one another.
She said she was just going to leave then.
Well, because people leave and never come back or pay us we can no longer allow that to happen. So Gary asks if she is coming back to which she says no, He tells her that she can leave a card with me and he will send the after photos or leave a check with him. If a card is left with me I'll charge it when he calls to tell me he's done etc. He explains the whole thing. I heard it because his phone was still on in his earpiece. He explained it calmly and professionally. That didn't help her though.
That made her scream and stomp some more. She then tells the handy man to pay us. What? Then the fighting starts between the handyman and this twit while Gary is just standing there. She looks at Gary and says, " I don't think I want to do this anymore unless he (pointing to the handy man) pays for it." The handyman is now calling her names and refuses to pay of course. She walks out. The handy man looks at Gary and says, "Looks like we're both being screwed."
Gary says, "You still there Peg? She just left so you think I should leave too?"
Me: Yes. I hate losing money but I think we dodged a bullet here Gary as much as we both hate losing the money.
Gary: "Peg she was certifiable. You should have seen her, her face was beet red and when she stomped her feet I really had to try not to laugh. It was like XXX (a customer who played games like this and left and then never answered their phone again and never paid) I think you're right we dodged a bullet. I have a feeling nothing would have made her happy either.
So I've had a fun filled morning. How about you?
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Had Yoga last night. After my shot in my knee the doc said I would feel worse before better. And boy he was right. I was actually limping into yoga. I had off the chart pain.
I told the yogi what had just transpired with me so she would understand if I couldn't kneel on that knee etc. She was great about it.
Rick was in the first row, I was in the last row. I told you I wasn't going to be next to him. Had to keep the giggling to a minimum. He was the only man in a sea of 15 women. He likes it like that.
Half way through class I thought I was going to die. The pain was over the top.
I did what I could and there were actually 3 that I just couldn't do because I couldn't kneel on it. She gave me another version so she was most helpful.
The class was long and wonderful. Who knew? I enjoyed it. No farting around me this time. Thank goodness!
I can't get my head on the floor and do some of the things others could, but I could do some things that others couldn't. It is not a race except with myself so I am sure as I stretch I will get better. I honestly could feel the burn in my hamstrings and lower back last night. Those areas on me are so tight so it was a good hurt/burn. Today I just feel good.
And speaking of feeling good, my knee is better, not great but better. Dr. Handsome said it may be up to 5 days before I feel great. I am going up and downstairs rapidly again so it worked. I don't think kneeling is going to be something I'll do until next weeks class. Don't want to jinx it.
Off to Pittsburgh in the morning. Hate this drive. I went to the liquor store to get boxes with dividers to put the centerpieces in. Pray they don't move or get damaged after all this work.
See you after the weekend event. :-)





