Buying a Vehicle from TimeBuyer

Posted on January 16, 2012 by Roxanne

A little over a year ago I went to a place in NY called Timebuyer.  They have locations in Oswego and Fulton NY.  Before I go any further, I have a confession to make.  Over the years, I have not exactly been good with my finances.  I have terrible credit because, as you know, your bad credit really never goes away.  It stays with you for life.  Now…DO NOT REPLY WITH CREDIT ADVICE…that’s not why I’m writing this.

Back to the point here.  A little over a year ago, I purchased a vehicle from Time Buyer.  They sell you a vehicle based solely on your ability to pay, not on past credit history.  I purchased a 2001 Chevrolet Tracker.  Nice little vehicle.  It had no rust or anything when I bought it.  It ran great.

Well…about a month or so after I bought it from TimeBuyer, the tracker was making a noise in the front end and would not go into 4 wheel drive.  Turns out the differential needed rebuilding.  When the shop Time Buyer recommended rebuilt the differential, they replace ONE of the sway arm links.  Now, if you know about vehicles, you know that they need to take the front end apart to rebuild the differential.

When I got it back, there was still a noise in the front end.  I kept calling timebuyer and they kept treating me like I was an idiot.  Come to find out, a couple months later, they realized that the other sway arm link was broken.  DUH!!  Seems I was right all along.

But…in the meantime..I realized that the rocker panels on my tracker were falling apart.  Rust holes were just appearing seemingly out of nowhere.  Turns out, SOMEONE put SPRAY FOAM INSULATION in the rust holes, sanded it down and painted over it so it would appear to the person buying the vehicle (ME) that it had no rust.  That’s downright LOW. They claim it was not them so if you have ever bought a vehicle from Time Buyer and had spray foam insulation inside rust holes, please comment on this post.

The next problem with the vehicle was a horrible noise in the front end AGAIN.  Here is a list of the parts I’ve had to replace on this darn thing since I’ve had it (in no particular order and I may not be remembering ALL of them):

CV shaft
Differential seal
Brake rotors
Wheel bearing
Serpentine belt
Idler pully
Thermostat
Water pump
Tensioner
Serpentine belt again
Alternator

And it’s STILL NOT RUNNING!!!

I called TimeBuyer a couple days after Christmas because on Christmas day it began to overheat. Randy, the manager at Oswego NY Time Buyer, had told me in the past that they could finance the repairs on my vehicle. Well…by New Year’s Eve, I had not heard from Randy and I ended up needing to go to the hospital. We had to borrow a vehicle. I called again while I was in the hospital just after New Year’s and left another message for Randy. The tracker was overheating due to antifreeze not circulating and now it was dying because it was not charging. The exhaust was coming apart again where they had “fixed” it once before as well. So…instead of waiting for them to get off their butts, I went ahead and had a friend look at it and began buying parts in an attempt to troubleshoot the problem.

It is now January 16 and Randy never did call me back. I got a call this morning from the guy who always calls for my payment. My payment was due on the 14th. I told him Randy has not yet called me and he assured me that he gave Randy the messages. So…I told him to tell Randy “Roxanne Green says she will make her payment just as quick as you called her back when she left messages”. That was a couple hours ago and I have not heard from Randy yet.

At this point, I have put thousands of dollars into fixing this piece of junk. PLUS paying an outrageous amount of money for it because I didn’t have much choice at the time. Time Buyer has been less than cooperative throughout the whole process. At one point, they even threatened to repossess the vehicle because ONE payment was late (with permission) and the money order I brought in was $6 short with late fees.

My husband had a brain hemorrhage on June 5 and is still recovering and needs to have as little stress as possible. I went in the hospital in December and again in January with a recurring staph infection. It’s still not gone away and I believe it’s due, in part, to the stress of this BS with Timebuyer that neither of us are getting better. My husband wants to put a huge sign on top of the car that says:

TIMEBUYER SPECIAL

and paint lemons on the side and drive it around both their Oswego NY and Fulton NY locations.

If you are thinking of buying a vehicle from Time Buyer, PLEASE think twice. They take advantage of people who are in a situation where they have no other choice by way overcharging for substandard vehicles.

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Do You Think Your Job is Secure?

Posted on December 25, 2011 by Roxanne

It is with much sadness I write this post to you today, Christmas, 2011.

I am the type of person who thinks she can “save the world”.  I always try my best to help others.  Today I ran into an old friend.  For the past few years, I’ve been talking with this friend about starting her own home business.  She’s my facebook friend and she sees my posts on there talking about creating an income from home.  For this post I will call her Nancy.  Nancy had a decent job.  She was making enough money to add to her husband’s income and help make a pretty good life for their family.

Every time I even mentioned helping her create an additional income from home, Nancy reminded me that she didn’t need a “Plan B” because she had a good job and her husband had worked for the same company since he graduated high school.

It’s been about 6 months since I talked with Nancy.  She told me today that things are really bad for her this year.  Her husband lost his job.  The company just went out of business.  No notice to employees or anything.  For a while they stayed afloat with their savings, his unemployment and her income.  Then, about a month or so later, Nancy’s employer fired her.  Because NY is an “at will” employment state, an employer can fire you at any time for any reason or for no reason.  When her unemployment hearing came up, the employer came up with all kinds of BS that were the supposed reasons behind her firing, although she had heard from other employees that the company just wanted to get rid of the higher paid employees to cut costs.    Needless to say, she did not get unemployment.

So…here Nancy and her husband are today with 2 kids and very little income.  His unemployment barely pays the rent and keeps food on the table and the electric on.   They have both been looking for jobs, but jobs are few and far between.  At this point, coming up with even $60 to start her own home business is out of the question.  They are looking for a smaller place because even though they get her husband’s unemployment, they make too much to qualify for any assistance from the state.  Therefore, they have to move to a smaller place so they can keep food on the table.

My mother always said “Hindsight’s 20/20″.  If Nancy had started her own business a year ago when she and her husband still had jobs, they would NOT be in this situation today.  At this point, there isn’t much I can do to help her.  She has to be willing to invest something into owning her own business.  I could have gotten her started for less than $100 when they had “good jobs” and “good income”.  But…unfortunately, Nancy didn’t think she needed to plan for “just in case”.

So…what is your plan?  What if your “good job” disappears?  What will you do?  Do you have anything in place to help out?  If you need a Plan B, contact me and I will be happy to help.

Today is the first day of the rest of your life. What will you do with it?

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Merry Christmas or Happy Holidays?

Posted on December 12, 2011 by Roxanne

The great Christian debate….Should we say Merry Christmas or Happy Holidays?

This, by the way, is absolutely RIDICULOUS.  Here’s why:

OK…I’ll be honest…it really irks me when someone writes Merry X-mas.  Christ is the reason for Christmas so please do not X Him out.  Christmas is a day set aside for us to honor and celebrate His birth, even though Christmas has become highly commercialized in recent years.

Does that mean people who do not share my religious views CAN’T celebrate Christmas?  Absolutely not!!

As Christians, we are supposed to be Christ like.  Do you honestly believe that Jesus would be arguing with people over whether they say Happy Holidays or Merry Christmas?  This is supposed to be a time of love, friendship, caring, joy, etc…  How can we claim to love others if we get mad at them for saying Happy Holidays?  We are not supposed to shove our religion down the throats of others.  “They will know me by my fruit”.  How are others supposed to look at many Christians and say “I want to be like them” when they are judgmental, negative and nitpicky?  Yes…I said nitpicky.

In the United States, we have freedom of religion.  If more of us just focus on being a good, loving person and focus on doing what Jesus would do instead of focusing on finding the flaws in others, the world would be a much better place.  Maybe more people would see us and say “Hey…those people who love God are really nice, happy people.  I want to know more”.  NO ONE is going to want to know how to be a judgmental, negative, nitpicky person.

Who cares whether you say Happy Holidays or Merry Christmas?  As long as everyone is getting along and wishing others well, we should be happy.  Christians should strive to be the better person.  They should strive to be like our Lord and Savior.  In my opinion, that has somehow become lost in the shuffle of Christians attempting to claim we are better than everyone else and then trying to shove that down everyone else’s throat.

Think of it this way…what if I won the lottery and I decided to throw you a birthday party.  I rent a HUGE hall and put out a public invitation for everyone to come celebrate your birthday.  Among the guests are quite a few people who don’t even know you and a few people who know you but don’t like you.  They are there dancing, singing, visiting and having a great time.  How would you feel if one of your friends went to all of these people and told them to leave because they either don’t know you or don’t like you.  When they insisted they are just there having fun and not hurting anyone, your friend got even more vocal and began screaming at them to leave your birthday party.  How would that make you feel?

I’m sure Jesus feels just as horrible when He sees Christians arguing over whether people should say Merry Christmas or Happy Holidays.  Just be happy and show others the true joy of the holiday by being Christ like.  Try it.  You might like it.

Today is the first day of the rest of your life. What will you do with it?

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Why Not Join Me and Start Your Home Business Today?

Posted on December 2, 2011 by Roxanne

I am so excited!! I loved my home based business! It’s so easy.

All I have to do is show people how to turn an everyday household expense into an income. It’s unlike any other business I’ve done. I don’t have to ask people to spend ANY new money out of their budget. I simply show them how to shop at a different store for the same products they are buying now and my company pays me for showing them the new store. That’s it. It’s so simple.

In the past I’ve built businesses talking people into buying overpriced miracle juice and magic supplements. No more. The products at the new store I help people shop at are competitively priced.

How can we do that? How can we sell competitively priced products that people are already using on a daily basis? My business partner is the manufacturer of the products.

In a traditional MLM type structure, the products are manufactured by a manufacturer. They are then sold to the company. The company pays reps to sell them to the end consumer. This one extra step adds to the cost of the product to the end consumer.

In a traditional business, the products are manufactured by a manufacturer, then sold through reps to a store, then the store advertises to get the word out and then the products are sold to the end consumer.

Let’s take a look:

Traditional Business = Manufacturer => Wholesaler => Store => Advertising => End Consumer

Traditional MLM = Manufacturer => Company => End Consumer (Commission goes to MLM Rep)

My business = Manufacturer => End Consumer (Commission goes to Direct Marketing Rep)

So…the cost of products in my company can be competitive with major brands. This is very important. One of the major tests that is looked at when determining if a business is reputable is to ask this question:

Would you buy your products for the price you pay for them even if there were no business opportunity attached?

If the answer is no, then you are not in a good business model. Many people in traditional MLMs are forced to buy a lot of products to qualify to earn commission. Many people in traditional MLMs are forced to buy a bunch of product up front and then hope and pray they can sell it to someone and make money. That’s so sad. No matter what, don’t get roped into one of these types of businesses. You will be struggling forever and gaining very little ground.

Look for a business with a low cost to enter. Many charge hundreds or even thousands to join. Look for a business where you are not forced to load your garage with product just to qualify for bonuses. Many of them make you buy hundreds of dollars of stuff you would never buy otherwise EVERY month.

I love that I simply purchase better quality products that I would have bought elsewhere anyway AND I save money doing it. Then I make money showing others how to do the same thing. That is (for me) the PERFECT business. No spending money on stuff I don’t really need or want. No buying tons of stuff only to hope that I can sell it.

If you are interested in finding out more about what I do, just drop me an email at roxanne@roxannegreen.com or call me at 315.236.2119 I’m happy to help.

Today is the first day of the rest of your life. What will you do with it?

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How to Turn an Everyday Expense into an Income

Posted on November 28, 2011 by Roxanne

I’ve found a great way to make money from home. In the past, I have tried selling all kinds of things from nutritional supplements to lingerie. Loved the lingerie home parties, but people can only buy so much of the stuff and then they are done. Nutritional supplements are great but they are one of the first things to go when people start cutting back on their budget.

Before I go any further, let me tell you…I LOVE residual income and leveraging the efforts of others. I love the idea of getting paid from not only my efforts, but the efforts of others. I had someone ask me once…”Would you rather get paid for only 100% of the effort you put into something or 10% of the efforts of a few hundred people?” Well…it makes sense that 10% of the efforts of a few hundred people will pay more than 100% of the effort I put in. And my love of network marketing was born. (If you are unsure what I’m talking about, view the brochure “Are You Walking Past a Fortune?” here. This was written by my good friend, Tom ‘Big Al’ Schreiter.)

Many network marketing/direct sales companies have great products. I, however, was looking for a company with products that people buy anyway. This way, all I have to do is show them how to shop at a different store and help them show others. The company I found has everything you would find at a department/drug store. Toothpaste, shampoo, first aid supplies, household cleaners, candles, and a wide range of everything.

Here’s how it works…between everyone you talk to and everyone they talk to and everyone they talk to, eventually have 8 to 10 regular users of the product and 1 out of those who wants to build their own business. Then you will be making around $500 extra per month.

What could you do with an extra $500/mo?

I learned early on that it was best to leverage the time and effort of others as well as my own time and effort. Once I build my business big enough, I will be able to sit back and relax and collect a check for the rest of my life. Build it once, build it big and retire.

Do you think you could ever work for 10 years and retire with an income for life from your job? I doubt that would ever happen. Join me in business. You will be in business for yourself but not by yourself.

Today is the first day of the rest of your life. What will you do with it?

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