Saturday, December 31, 2011

I Can't Pay My Bill . com

When I was contacted by this company about sharing their website with my readers I was skeptical. I completely expected to find out that this was a website for some debt consolidation  company or consumer finance company; neither of which is a good option, in my opinion.  If you've read this blog or my bio then you know I'm a fan of Dave Ramsey and his approach to being debt free. We've followed it and are now debt free with a nice comfortable emergency fund. We are working to pay off our house now, but no matter how comfortable things may be, you never know what the future holds. My husband's job is a bit unstable and we continue to prepare for the "what if" of it disappearing (thus the larger than required emergency fund). We know that a day could come when we'd have to make some drastic cut-backs, which brings us to .

Unlike what I expected to see, what this site actually is some common sense regarding how to deal with creditors or bill collectors when you can't pay your bills. From dealing with your cable company (and the common sense of if you are a budget crunch you might want to consider turning off the cable) to dealing with your mortgage company or car finance company or credit card, etc. They provide some basics for what you can expect when dealing with each type of company and then get more specific, with details on individual companies and how to contact them and what you can expect from that company when you get behind.  So, my suggestion would be to check out Dave Ramsey, whether or not you are behind and learn how to get debt free.  And if it's too late, and you are already behind, you should check out

Today's Kindle Freebies!

Not sure how long these will stay free so be sure to check the price before you purchase.

Knighthorse: Books One and Two - Includes "The Dark Horse" and "The Mummy Case", two Jim Knighthorse mystery novels.

SETUP ON FRONT STREET (Key West Nocturnes series) - "Key West, 1991. Don Roy Doyle is back in town. Tough and quick-witted, he's fresh out of prison, where he served three years for a diamond swindle. Now he's back to collect his share of the proceeds, about $200,000, but the money has vanished. A local family dynasty which has controlled the island's politics for generations, a cop with a grudge, the FBI, and the Russian mob all have a stake in the action. They're convinced Cuba is on the verge of "opening up", and they all want Doyle gone. "

Maids of Misfortune: A Victorian San Francisco Mystery - "It’s the summer of 1879, and Annie Fuller, a young San Francisco widow, is in trouble. Annie’s husband squandered her fortune before committing suicide five years earlier, and one of his creditors is now threatening to take the boardinghouse she owns to pay off a debt. Annie Fuller also has a secret. She supplements her income by giving domestic and business advice as Madam Sibyl, one of San Francisco’s most exclusive clairvoyants, and one of Madam Sibyl’s clients, Matthew Voss, has died. The police believe his death was suicide brought upon by bankruptcy, but Annie believes Voss has been murdered and that his assets have been stolen."
In Her Name (Omnibus Edition)- "This is the omnibus edition, and contains the complete novels of IN HER NAME: EMPIRE, CONFEDERATION, and FINAL BATTLE in a single volume. As one reviewer said, IN HER NAME is “a grand story of love, power, sacrifice and good versus evil” that seamlessly blends together epic fantasy, science fiction, and romance as it chronicles the coming-of-age of a young warrior hero torn between love and honor..."

Pirates of Savannah: The Complete Trilogy - Colonial Historical Fiction Action Adventure (Pirates of Savannah (Adult Version)) - "Pirates of Savannah : The Trilogy includes "Sold in Savannah", "Battle Rats" and "The Rise of April", The trilogy is a historical fiction novel about the birth of liberty in the south. It takes place during pre-Revolutionary War age, truly a fascinating time in history that has been greatly ignored by other authors. At its heart, it is a tale of prisoners, refugees and society’s casts offs all joining together to escape from government tyranny and discover a path to liberty. Find out how a group of oppressed colonists gain the courage to start defying authority and begin planning a revolution from British control."

The Lost Journal - "In 1778, during the peak of the Revolutionary War, a secret document is hidden and its whereabouts are known to only one man. Now, more than two centuries later, Seth Layton accidentally discovers the journal that will unlock its location and he is on a quest to find it. Joined by his grandfather and new female friend, Madison, they are chased by unsavory characters and some powerful people through historic Philadelphia to the streets of Washington DC. What American secret will the journal unveil and will Seth and his companions live long enough to reveal it?"

H10N1 - "A deadly influenza virus rages out of control. There is no easy-fix vaccine. No eleventh-hour containment. Only death. With no workforce, power plants are unmanned so there’s no means of communication; police and fire departments have collapsed so no one is safe; looters are scavenging everything from big-screen TVs to canned peas. When Dr. Taeya Sanchez finds herself unceremoniously dismissed from an emergency medical facility in New York, she decides to steal the hospital’s armored van for a midnight escape. Unfortunately, Rick DeAngelo, a driver for the hospital, has already stocked the van for his own getaway. Thrown into an unfriendly alliance, these two must pick their way across the dangerous wasteland of America in search of a safe haven. And as the miles roll by, they discover that the living should be feared much more than the festering corpses out there."

Friday, December 30, 2011

Free Kindle Downloads for 12/30/11

A reminder that the prices can change on these at any time, so be sure to double check before you purchase.

Fistful of Reefer (Reeferpunk) - "In 1918, when Chancho Villarreal and his friends inadvertently create the legend of El Chupacabra, they draw the attention of Texas Ranger J.T. McCutchen to their goat ranch and marijuana farm north of Del Rio, Texas. What follows is an action-packed ride across the wilds of a Texas haunted by rumors of Chupacabras behind every bush."

Seed - "In the vine-twisted swamps of Louisiana, the shadows have teeth. Jack Winter has spent his entire life running from something no one else can see. His childhood is his darkest secret, but after a near fatal accident along a deserted road, the darkness he was sure he’d escaped rears its ugly head… and smiles.
But this time, he isn’t the only one who sees the soulless eyes of his past. This time, his six-year-old daughter Charlie leans into his ear and whispers: "Daddy, I saw it too."

Life, Love, and a Polar Bear Tattoo - "When Candice's in-laws were killed eight months ago buying a huge faux polar bear rug for her Christmas present, she lost more than just two of her favorite people: she lost her husband Ian as well. After only two years of marriage, their guilt and pain have left them living together but apart, unable to really talk for fear of what they'll say to each other.

Ian leaves for a month-long contract overseas, and Candice plans to use the time apart to decide whether her marriage can be saved. When her ex walks back into her life as the new client at work, ten years more attractive yet saddened by his own recent loss, she's left wondering what she really wants from life and love."

Syndrome - "Alexa Hampton runs her own interior design firm in New York’s Soho but now a heart mishap threatens her life. Her black-sheep younger brother insists she go to a New Jersey clinic owned by his eccentric boss for stem cell experiments. There she and her long-ago lover, a medical reporter, uncover a bizarre experiment to reverse the aging process."

Thursday, December 29, 2011

Today's FREE Kindle Books

There are a few new FREE Kindle titles today that you might want to check out. Prices can change at any time so be sure to double check before you purchase. I can only verify that they were free at the time of this posting. Enjoy!

The Pawn (The Patrick Bowers Files, Book 1) - The first in a planned trilogy. "When corpses of young women start turning up near Asheville, N.C., Bowers is called in. The killer's MO is to tie a yellow ribbon in his victims' hair and leave a chess piece somewhere on the scene. Bowers begins to suspect that the governor of North Carolina, rumored to be the next Republican presidential contender, is somehow connected to the murders, and that a cult with links to Jonestown might also be involved."

RIPTIDE (The Jake Lassiter Series) - "Jake Lassiter chases a beautiful woman and stolen bonds from Miami to Maui, where in an explosive finale, he learns lessons never taught on the football field or in the courtroom."

Night Corridor - "After nine years in Bayshore mental institution, once called the lunatic asylum, Caroline Hill is finally being released. There will be no one to meet her. Her parents who brought her here…are dead.  They have found her a room in a rooming house, a job washing dishes in a restaurant. She will do fine, they said. But no one told that women in St. Simeon are already dying at the hands of a vicious predator. One, an actress who lived previously in her building.  And others. And now, as Caroline struggles to survive on the outside, she realizes someone is stalking her."

Brilliant Prey - "Even a genius can be played for a pawn by a cunning and deadly manipulator. Lauren James is a former psychiatrist, still reeling from her husband's suicide and the subsequent miscarriage that swept away her tidy life the year before. On the anniversary of his death, she opens what she hopes to be a "Welcome to Mensa" envelope and pulls out a threatening puzzle along with the identical suicide note she had burned the previous year."

While the Savage Sleeps - "Cameron Dawson's got a past he can't seem to shake, but he's hoping to change that. He's moved back home to Faith, New Mexico and taken a job as assistant sheriff. What he doesn't realize is that his newest nightmare's about to begin. Strange things are happening. People are disappearing, and for others, it's far worse"

Shot of Tequila - "Now one man must face the entire Chicago Outfit, a group of hardened Mafia enforcers, a psychotic bookie, the most dangerous hitman on earth, and Detective Jacqueline Daniels..."

Banana Hammock - A Harry McGlade Mystery (A "Write Your Own Damn Story" Adventure) - "an interactive text adventure" - "Private Detective Harry McGlade is hired by an Amish woman who suspects her husband is cheating on her. Going undercover into their community, Harry must untangle a web of lies and deception to find the truth. This will be his biggest challenge yet. Because Harry McGlade is an idiot.

Lead Harry through a series of comic misadventures and bad puns as he traverses the J.A. Konrath universe, popping into many familiar books and stories. Prepare to be shocked and amazed by scenes that are just plain wrong."

25 Language Phrasebook from Mobile Reference (Mobi Travel) - "FREE 25 Language Phrasebook: German, French, Spanish, Catalan, Portuguese, Italian, Greek, Dutch, Swedish, Norwegian, Finnish, Czech, Polish, Hungarian, Russian, Croatian, Turkish, Hebrew, Arabic, Japanese, Chinese, Indonesian, Malay, and Thai. Navigate from Table of Contents or search for words or phrases. Learn how to say Hello, How are you, Please, Thank you and much more in 25 languages!"

Kissing Kelli (A Texas Legacy Romantic Comedy #1) - "Rodeo champion and wealthy rancher, Bobby Gray Nelson, is used to women setting out to lasso him. But when he meets feisty Kelli Palmer, she refuses him on every count. He's always up for a challenge and is determined to woo this beautiful veterinarian who he thinks could be his soul mate.

Losing is not an option for this gorgeous cowboy. He comes up with a 5-step plan to place his brand on Kelli's heart."