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POST EDIT: Giveaway ends Saturday, Dec 18th at noon (MST). Winner announced Sat night!
This weekend I'm going to share a couple of last minute Christmas present ideas. See you then!
Oh, I'd love to win those fat quarters. How cute! Thanks for the opportunity.ReplyDelete
Those are like the cutest fabric ever! Love the one with the stars and little girls!
Love you Christmas Quilt pattern! It would make an awesome quilt for every holiday!
Love the blog! I hope you have a wonderful holiday!
What a lovely win that would be! The quilt looks gorgeous and I even have some of the fabrics in my stash! Good idea, to use so many different fabric lines!ReplyDelete
Oh, Amy, I love those fabrics - and your quilt is gorgeous AND on my bucket list!! What a great giveaway!!ReplyDelete
I love this quilt! What a fun giveaway!ReplyDelete
Thanks for doing a giveaway! Christmas quilts are so fun and yours is beautiful!ReplyDelete
Thanks for the chance! I love retro fabs!ReplyDelete
That quilt is so much fun! Great giveaway!ReplyDelete
I love your pattern and the fabrics are great. Thanks for the giveaway!ReplyDelete
I love retired prints. & This will be my first quilt if I ever get started.ReplyDelete
Hi there,
what a nice pattern!
best wishes
what a great give-a-way! love the fabrics and your pattern looks awesome!ReplyDelete
I do not own one piece of Christmas fabric, so this would be a lovely start for me!! :)
Those retro prints are adorable! Thank you!ReplyDelete
Those would be lovely to win! And the pattern is so doable,,,and available on the web right away....cool!ReplyDelete
That quilt is gorgeous! Thank for offering a chance to win! I missed the sew mama giveaway too...so I'm just having my own giveaway...hardly any entrys...but I guess that up's the chance for others to win! =)
those fabrics are adorable!ReplyDelete
I Love, Love, Love those fabrics! Thanks for having a giveaway anyway. I love stopping by!ReplyDelete
Love your Christmas quilt! Thanks for a chance to win some great fabric. Happy Holidays!ReplyDelete
I love vintage, especially vintage fabric.
Those retro fabrics are fabulous. I'm sure they would love to come to my house in Michigan for Christmas! And I seriously love the quilt pattern. Thanks for the giveaway!ReplyDelete
Great giveaway! Thanks for the chance to win!
ohhh, what a delightful giveaway. Thank so much for sharing! I am big fan of your vintage designs.ReplyDelete
oh, I love that quilt! maybe I should start it now to have it done by next christmas! looking forward to the last minute gift ideas!ReplyDelete
Oh, I love this fabric, so cute!ReplyDelete
Oh, what a fun giveaway! I feel like the only person not working with Christmas fabric right now so I'd love to win some.ReplyDelete
Fun fabric and I love the pattern! Thanks for offering this great giveaway.ReplyDelete
I love the new look of the crisp white quilts popping up in quilting blogs. LOVE this white quilt with all the holiday fabric. Thanks for sharing the picture. MiriamReplyDelete
I love your Christmas quilt, though I work to slow to make one for this year, I'd love to be able to have one for next year!ReplyDelete
I already have the quilt pattern--I'm enjoying making my own Christmas quilt, but I'd love to win the fabric! Thanks for the inspiration!ReplyDelete
What an adorable quilt! I love it! Thanks for such a sweet giveaway :-)ReplyDelete
Thanks for sharing Amy! I love that print with the little deer.ReplyDelete
This comment has been removed by the author.ReplyDelete
I like your way of thinking - you can have a giveaway any time you'd like ;) Hope you have a great Christmas and a happy, healthy New Year!ReplyDelete
I'm brand new to quilting, but excited to try it! Thanks!ReplyDelete
Thanks for the giveaway. Please enter me!ReplyDelete
LOVE this quilt and the fat quarters.ReplyDelete
Thank you so much, Amy. It all looks wonderful! Here's hoping from Idaho.ReplyDelete
Those fabrics are way too cute! And if by some chance I don't win I might just need to pick myself up that pattern for Christmas!ReplyDelete
I think this quilt is gorgeous! and would love this giveaway!ReplyDelete
Those are adorable - just perfect for a friend of mine, just her style!
Thanks for the chance :)
Thanks for the sweet giveaway :)ReplyDelete
Cute fabric, and I love that pattern. Thanks!!
What a SWEET giveaway this is! Those little retro prints make me smile!ReplyDelete
Amy--those are so cute! Such vintage appeal!
Thank you for offering them as prizes!
I would love to win this, I LOVE Christmas so much! Would love to have this project completed by next year! :)ReplyDelete
Thank you Amy! I love reading your blog and feel a kind of "kinship" to you as you live in Orem...right where I grew up! Your prints are darling and your quilt is stunning.ReplyDelete
Thank you for your lovely giveaway.Those prints are really nice.
Merry Christmas
Wonderful, thanks for the chance to win something. I love holiday quilts, and the retro fabric is great.ReplyDelete
Oh, I am making a retro Christmas quilt before next year, no matter what. I would love to win and get started. Thanks for the chance!ReplyDelete
Very nice giveaway! Lovely fabrics! Thank you for the opportunity!ReplyDelete
me, me! I missed out on your Christmas quilt kit and these fqs would be great :)
sasikirana at yahoo
I love those fabrics! They would be great to add to my meager Christmas fabric stash.ReplyDelete
Oh, I just love those prints! I bought the one on the very right from fat quarter shop and I'm so enamored of it. It will be perfect in my retro christmas quilt, which I'm planning to make sometime next year with your pattern. I didn't notice that you had it in your retro christmas quilt. Now I'm even more excited about it! Thanks for the giveaway!ReplyDelete
Found your blog a month or two ago, searching for some tutorials - love your work and your blog! And thanks for all the tips and help and fun!ReplyDelete
Oh thank you! Your original post about the retro Christmas quilt inspired me to make one for next year. This would help me get started.ReplyDelete
That is such a cute quilt! I'd love to enter your giveaway to win the fat quarters! I'm trying to build a stash. :)ReplyDelete
What a wonderful Christmas gift!! I would absolutely LOVE to win these. :D Thank you so much for sharing with us.ReplyDelete
What great fabric, it really makes this quilt POP! I've always given away my Christmas quilts and I would love to make this one and keep it for myself!ReplyDelete
Love the quilt you made!! And thanks for having such a wonderful giveaway.ReplyDelete
those retro fabrics are fab! and i love that quilt pattern!!ReplyDelete
I would love to win! Love your blog! Such great projects and inspiration.ReplyDelete
I have decided that I want to make my mom a Christmas quilt for next year so I'm on the hunt for fabric. This would make it oh so easy to do! thanks for doing the giveaway!ReplyDelete
Beutiful quilt and fabrics! I have some little caroler girls fabric that would fit right in with these. Thanks for the chance!ReplyDelete
Those fat quarters are so darn cute!ReplyDelete
Oh please let the give-away gods smile on me today!! I was so sad to miss out on the kits you sold for this! Love it!ReplyDelete
Love this giveaway! Cute, cute, cute fabric.
The fabrics remind me so much of my childhood. Looking forward to your last Christmas present ideas.
Problem is, of course, I need to start these things in July. Work sort of gets in the way along with everything else. Joelle
I'd love to make that quilt!!! And I kind of like the idea of an "after giveaway" giveaway to your loyal readers!!! I'm going to do the same thing later this month ;-D Thanks for the inspiration...ReplyDelete
I love this quilt! Christmas is my favorite time of year so i would keep mine out all of the time:)
amy@ email@example.com
Love that fabric - so cute. Also, great job on the quilt. Keep up the good work with the blog, I love visiting it!ReplyDelete
Would love to win!!
Ooooo! How darling! Here's hoping. . .ReplyDelete
The bright colors are great and the kids are so cute! Thanks for the chance to win!ReplyDelete
I adore the traditional colors and prints of Christmas! How cute are these! My boys would love this :)
Thanks for the chance!
Happy Thursday!
hugs, margie
I love these prints! So cute!ReplyDelete
I love your retro quilt. I wish that I made a new holiday quilt for our family....
Happy holidays!
would love to win those fat quarters, thanks for the give away!ReplyDelete
Love the fabric!ReplyDelete
Thank you for the chance! I cannot wait for the last minute gift ideas :) ~AmyReplyDelete
This fabric is SOO darling! Thanks for the awesome giveaway.
Pick Me! Pick Me!ReplyDelete
Oh, I'm loving the quilt! Too cute!ReplyDelete
your christmas quilt is wonderful, so cute. thanks for the giveawayReplyDelete
I would love to win!! I was looking for a Christmas quilt pattern. I love your blog! Thanks for the chance!ReplyDelete
I love the fabrics and the patternReplyDelete
Thanks for doing your giveaway! Love the look of your retro fabric (and I'm going to make that quilt even if I don't win!).ReplyDelete
The quilt is lovely. Thanks for the giveaway opportunity.ReplyDelete
This is such a happy giveaway with happy fabric!!ReplyDelete
Thanks for the chance! I love your Christmas quilt! Thank you so much for all the inspiration that you provide everyday! Merry Christmas!ReplyDelete
I've been saving fabric and would like to make a Christmas quilt to give to ME next Christmas.ReplyDelete
I love that quilt! And the fabric too. I need to make myself a Christmas quilt.ReplyDelete
Love retro and love Christmas fabric. Great quilt. Thanks for the giveaway.ReplyDelete
Love the fabric and the pattern. OH the things I could do.ReplyDelete
I love winning things. Yet I never seem to actually do it. Maybe this time!ReplyDelete
I love that retro Christmas fabric! Robin at firstname.lastname@example.com
Yay, what a great giveaway, I really <3 that pattern and the fabrics look great!ReplyDelete
Cute fabrics!
rebekahricker at yahoo dot com
I absolutely love this quilt that you made. Would love to win your giveaway. I follow thru Google Reader.
Lovely pattern and lovely fabrics. Would be thrilled to give them a new home.ReplyDelete
I love your pattern Amy and especially enjoyed the one you made for your in-laws and showed the other day. I shared the stocking tutorial with friends at sew night..wow! so Easy!ReplyDelete
After seeing all the fun vintage Christmas fabrics this year, I am purposing to set some Christmas fabric aside each year. It won't become vintage for quite some time but one day... ;)
Thanks for the giveaway!
Jennifer :)
What a fun pattern and so cute with retro fabric.ReplyDelete
Such a beautiful quilt. Thanks for the giveaway! Mrs. G (geauxmrsg at gmail dot com)ReplyDelete
Wow! I love the fabric and the pattern. Thanks for the chance to win.ReplyDelete
I would love to win that pattern!! and the cute fabric too :)ReplyDelete
I'd be delighted if I could make a quilt as Snappy looking as your Retro Christmas Quilt.
Happy Holiday Hugs,
Such cute fabrics!ReplyDelete
Love the fabric and the quilt!
I just found your blog the other day, but I have already spent too much time perusing your posts, wanting to learn how to quilt. I also added your blog to my list of favorite blogs on my own blog :)ReplyDelete
LOVE that fabric! thanks for the giveaway!
bess :)
Thanks for a great giveaway. Love the pattern and the fun fabrics. Merry Christmas!ReplyDelete
What a fun thing to win before Christmas! Thanks! The fabric is so cute!!!ReplyDelete
I love this quilt and I love the fabrics too!! Thanks so much for the chance to win :)
love it! thanks for a chance to winReplyDelete
Such a great quilt...and pattern...and fabrics! What a great giveaway!ReplyDelete
I need some cute Christmas fabric!!ReplyDelete
LOVE the retro fabrics.ReplyDelete
I think this is a GREAT giveaway!
Merry Christmas!
Thanks for the chance to win! (firstname.lastname@example.com)ReplyDelete
What adorable FQs - especially the white & red one with the vintagey reindeer! Thanks for the chance Amy!ReplyDelete
Those fabrics are sew cute and what a great pattern!ReplyDelete
Beautiful quilt and I too am loving all the vintage Christmas fabric. Thanks for the give-away chance. Happy Holidays!ReplyDelete
thanks amy, those fabrics are just too too cute! i really really am challenging myself to have one, if not two christmas quilts done for next year!! your pattern is a fabulous place to start!ReplyDelete
what a fun and festive giveaway!ReplyDelete
Thanks! And those are gorgeous prints!!ReplyDelete
I love retro prints! What a neat Christmas giveaway! Thanks for the chance. :o)ReplyDelete
This is a sweet giveaway! Thanks so much! Happy Holidays!ReplyDelete
Cute quilt Amy! I would love to win the FQ's and patternReplyDelete
Love the fun prints! thanks!ReplyDelete
Ooooooooooooooh, how I would love to win! Those Christmassy prints are making my drool. Thanks for the giveaway!
sohobutterfly ( a t ) gmail ( d o t ) com
I already have the pattern and made the quilt from one of your kits lol but I LOVEEEE those fabrics!!! My fingers are crossed!!ReplyDelete
I really like the prints, thanks for the giveaway & have a happy holidays :}ReplyDelete
Thanks for sharing and I'm looking forward to the last-minute Christmas gifts post. I could use a little inspiration.ReplyDelete
Awesome quilt - I don't have a holiday quilt yet, and would love to win this. I love your blog (I'm a follower through Google Reader). As a new sewer/quilter I really appreciate your quilting tutorials. Thanks!!
Oh I would love to win this! It's beautiful and I would love to make it for my mom next Christmas.ReplyDelete
I love this quilt!! Thanks for the chance to win the pattern and some beautiful FQs. email@example.com
I love this quilt!! Thanks for the chance to win the pattern and some beautiful FQs. firstname.lastname@example.com
Wow! All very gorgeous. Thanks for all the great ideas you share here! Thanks for the chance.ReplyDelete
I love your quilt!
I'd love to make one of my own
Thank you
Your so cute.
The pattern looks awesome.!
I forgot to sign up for the Sew Mama Sew giveaway Day too! But I'm having one soon anyway, just like you.
Thank you for the chance to win this great giveaway!
I love those Christmas fabrics, I could use them....ReplyDelete
LOVE that quilt pattern! THANKS for the chance!
a LITTLE giveaway... are you NUTS?!? This is HUGE! I was so sad when you sold out of your kits (which was faster than fast by the way!) This is the most beautiful Christmas quilt I've seen in a long time and I would so love to make one... ESPECIALLY with those fabulous fabrics!!
so... please pick me!
and... thanks for the chance!
Very cute - I want to win!!!ReplyDelete
Love the prints!! I have been wanting to start a stash of Christmas fabrics but have to put nearly everything crafty on hold. I am due any time with my 4th baby. Hopefully next year!!! I love the quilt!! Just my style, darling, light and relatively simple!ReplyDelete
oh this is such a beautiful quilt and fabrics. I love your blog and would be so thrilled to win this giveaway! Thanks for such a generous giveaway!ReplyDelete
The retro fabrics are absolutely adorable and a the quilt pattern is such a fun way to showcase them. Thanks for the opportunity to win.ReplyDelete
Okay, that quilt is Gorgeous! I would love some new (old) fabrics to add to my Christmas stash! Thanks for the giveaway!
Great pattern and the fabrics are so cute. I love your blog.ReplyDelete
thanks for being such an inspiration to me !ReplyDelete
what sweet fabrics!! Love the pattern too- thanks for the chance!
proboh1 @ yahoo . com
Love your blog--and that quilt is beautiful!
Thanks for the chance to win--and I would say you have enough readers to have a giveaway whenever you want to!
super cute! they remind me of when i was little.... :) i would love to win.. love you blog too :)ReplyDelete
I would absolutely love to win this pattern. Since my husband deployed, I just started sewing and have gotten some wonderful ideas from your blog. Thanks for posting!ReplyDelete
Love the fabric and love love love the quilt!ReplyDelete
I also forgot to sign up for the giveaway day.
Love the quilt!
Beautiful quilt and fabric! Thanks for the chance.
jennykartchner @ gmail
Love this giveaway. I wanted to by the kits you made but was not fast enough:( This would be a great start!ReplyDelete
I love these retro Christmas prints! I'm making an advent calendar out of some other retro Christmas fabric that totally reminds me of my grandma. Love it!ReplyDelete
I'd love to win! Your Xmas quilt is beautiful! Maybe if I won I'd have the motivation to do one too!ReplyDelete
I love your quilt and those fabrics would be the perfect start for it!
I forgot to sign up for the SMS giveaway day too. :S What I forgot was the email by Saturday.
Oh how cute! Thanks for the opportunity to win :)ReplyDelete
I really love this quilt. I've started collecting Christmas prints tihs year to make my own.ReplyDelete
Oh how I love that quilt!!!ReplyDelete
Cute, cute cute!! Love the quilt, so festive and cheery.ReplyDelete
Great job on that quilt! It is super festive! I love that fabric too! Thanks for doing this giveaway!ReplyDelete
Beautiful patterns! Both the quilt and the fat quarters! Thanks for such a great giveaway!ReplyDelete
Oh Amy- this is great!!! I love the quilt pattern (you did an awesome job!) and would love the fabric to go along. Thanks for the chance!:)ReplyDelete
Love those fat quarters! Thanks for a chance to win them.ReplyDelete
What a beautiful quilt!ReplyDelete
Oh my goodness, how sweet are these? Please, please, PLEASE pick me!ReplyDelete
Wow! I am #175! I guess I have a snowball's chance of winning, but I'll enter anyway.ReplyDelete
These would be wonderful --thanks for the chance to own them!ReplyDelete
The quilt is adorable, The fabrics mix new and old. Very nice.ReplyDelete
Sweet! That is a really pretty pattern, I sure hope I win! :)ReplyDelete
Retro!!! Love it!! Hope to win?!! Love your blog!!ReplyDelete
Love the fabric! Totally adorable!ReplyDelete
I love this quilt and would love to add the retro prints to my collection. Thanks for your generosity and Merry Christmas!ReplyDelete
Please enter me, too. I have been collecting christmas fabric for the last 2 years but never got around to making a quilt with it because the time before christmas is crazy! Maybe if I start right after christmas when I am still in the mood, I wil get it done until next year :)
Thank you for the chance!
Thanks for posting the contest....and I don't think your whiney...I think your divine....
Shannon Margaret
shannon . margaret . brott @ gmail (dot) com
I'm pretty 'retro' myself as I begin my 70th year, and I remember when Christmas fabrics were few and far between. Your FQs and your pattern are just lovely. I'd be happy and proud to make that Chrismas quilt or any other, from them. Thanks for the giveaway. Hugs, Finn
I really like that quilt pattern! So simple, yet festive with the chosen fabrics!ReplyDelete
I'd love these fat quarters and I really like your quilt pattern.ReplyDelete
Eekkk...love the fabric and the quilt pattern! Thanks for the giveaway!ReplyDelete
I would love to make a Christmas quilt!ReplyDelete
How fun. This may be just the kick I need to start quilting. I've done bits, but haven't attempted a quilt in years. Thank you!ReplyDelete
I am new to your blog. Would love to win!! :)ReplyDelete
Love the blog, I am a new follower still but I commented on the stocking and I love all your little projects, hopefully I will have a blog some day. Thanks for the chance to win!! :)ReplyDelete
I'm new to sewing and I'm so excited about it! Any chance to win fabric gets me even more excited and your selection is charming!
what fun fabric! Thanks for thinking of us during this busy time of year!ReplyDelete
What a fabulous giveaway. Thank you. My first and only Christmas quilt was the second quilt I ever made: a modified pineapple using all bird prints in the center. The retro prints and the pattern would make a great 2nd Christmas quilt, if you know what I mean.ReplyDelete
Wow, such cute prints! Thanks for the giveaway!ReplyDelete
I LOVE your retro Christmas quilt! I've been planning on making a couple of Christmas quilts, and this fabric and pattern would be great for that.ReplyDelete
I love your Christmas Retro Quilt.ReplyDelete
Love that fabric, and it's such a pretty pattern!ReplyDelete
Beautiful pattern!ReplyDelete
What a festive quilt. And I love the Christmas fabrics.ReplyDelete
Thank you so much for your comments - they make my day! I try to respond to as many as my 'mommy' time allows, but life sometimes gets in the way. Please know how much I appreciate each of them.
I apologize for the current comment settings that require a registered user account. They are the only way that I don't get tons of gross spam. I'm hoping Blogger will make a way where people who are not registered users, but would like to leave a comment can do so. Please, Blogger! In the mean time, thanks for your patience.
I also love to respond to questions. If you are a no-reply blogger, please leave an email address so I can get back to you. Or you can email me directly: amy @ diaryofaquilter.com. Thanks!


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Tuesday, December 10 @ 4:30pmTeens (Ages 13 - 18) are invited to join our Teen Advisory Board and have a say in the materials we order for teens, the teen programs we offer, and much more at the Ponte Vedra Beach Branch Library. Participation in the Teen Advisory Board counts as volunteer service hours and snacks are provided by the Friends of the Ponte Vedra Beach Branch Library. Join us for our meeting and get involved.
Tuesday, December 10 @ 11am
Relax, build strength, and move towards achieving mental balance with yoga. Experienced teacher, Sharon Sprenger, leads this class. All levels of experience are welcome.
Tuesday, December 10 @ 3:30pm
Teens, join us for gaming on the Xbox, PlayStation or Wii, play board games, paint, or just hang out with your friends in a fun, friendly environment. Guitars and a keyboard are available if you feel like getting musical.

subset: commoncrawl


text:
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Cabela's Inc. To Present At The Goldman Sachs 21st Annual Global Retailing Conference
Cabela's Incorporated (NYSE:CAB) announced today that management will present on Wednesday, September 3, 2014, at the Goldman Sachs 21 st Annual Global Retailing Conference at The Plaza Hotel in New York, NY.
A live webcast of the Company's presentation will begin at 2:25 p.m. ET on September 3, and can be accessed through the "Webcasts & Events" section of the "Investor Relations" page of the Company's website at www.cabelas.com. Please visit the website at least 15 minutes prior to the presentation to register for the webcast and download any necessary software. A replay of the webcast will be archived on the Company's website.
About Cabela's Incorporated
Cabela's Incorporated, headquartered in Sidney, Nebraska, is a leading specialty retailer, and the world's largest direct marketer, of hunting, fishing, camping and related outdoor merchandise. Since the Company's founding in 1961, Cabela's® has grown to become one of the most well-known outdoor recreation brands in the world, and has long been recognized as the World's Foremost Outfitter®. Through Cabela's growing number of retail stores and its well-established direct business, it offers a wide and distinctive selection of high-quality outdoor products at competitive prices while providing superior customer service. Cabela's also issues the Cabela's CLUB® Visa credit card, which serves as its primary customer loyalty rewards program. Cabela's stock is traded on the New York Stock Exchange under the symbol "CAB".
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Paying debts and taxes promptly is part of the responsibilities of a good citizen. Such expenses will require a person to maintain a constant funds by generating it from work. But sometimes; there are a few situations just like accidents, illness and joblessness that make an individual to compromise their monetary resource. If you can't work, then meeting these financial expenses will be very difficult in the long run.
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Nevertheless, you will be able to surmount this issue once you have the help of income protection insurance. When untimely dilemmas are unavoidable just like sickness and unemployment, this type of insurance policy will suffice your financial expenses.
Income Protection Insurance and Its Particulars
When speaking about an income protection insurance, it's an insurance plan that assists you in sustaining your daily bills and expenses particularly in times of incidents or health problems which may affect your way of earning a living. Until you are all set to get back to work or until the agreed benefit period is over, 75% of your original salary will be provided to you. Upon recuperation, demise, retirement, or at the end of the contract, the benefit will be repaid.
Waiting Period – How Long?
A certain waiting period is set when getting income protection insurance. Waiting timeframe is the length of time needed before the insurance covers your expenses. This duration of waiting may vary; it might range from 12 days to 2 years. However, as this period keeps you waiting for long, the premium will price lesser for you. Policy providers will pay for your bills during the benefit period, which could last as long as 6 months or until 5 years according to the kind of policy you bought. Keep in mind that there are also insurance firms that will halt the benefit period base on the age of the plan holder.
What are the Choices?
As a plan holder, you can pick between the agreed value and the indemnity value. If you choose agreed value, you have to know that all throughout the benefit period, the benefit amount that was set throughout the application of insurance will remain the same. However, indemnity value indicates that salary changes after the application to the policy will affect the benefit amount you will get.
Restrictions to bear in mind
If you're applying for an income protection insurance, the companies will usually take your age, health, and work stability into consideration. Its because these things can affect your insurance premium status. However, there's one thing you need to keep in mind and this is the fact that insurance policies will only compensate your bills if your unemployment is due to a mishap or illness. Some limits of doing specific jobs are also made by the insurance company.
Generally, income protection insurance is a great deal for most people. Several options of insurance policies such as pooling the expenses towards healthcare or college fees are also feasible. For safety measures, you should know that accidents come at you unexpectedly and so preparations should be thought about.


text:
The sleepy, forgotten town hasn't seen a crime in decades, but within the span of three days it witnesses events that leave everyone stunned. An unidentified man is found beaten and shot to death on a lonely country road. The police chief and his wife are butchered on a quiet Sunday morning. Then a bank executive disappears from his home, leaving his keys on the table and his wife frozen with fear.
The easiest suspect is Jack Reacher - an outsider, a man just passing through. But Reacher is not just any drifter. He is a tough ex-military policeman, trained to think fast and act faster. He has lived with and hunted the worst: the hard men of the American military gone bad.
Don't miss any of Jack Reacher's adventures.
©2004 Lee Child; (P)2004 Brilliance Audio
Retired former magazine editor who is working harder than ever as Mr. Dad to his 11-year-old daughter.
"Comic book tough guy"
This book is pure escapism with a protagonist that is bigger than life. Part avenger, part vigilante, part superhero, Jack Reacher is confident that he will prevail no matter who the opponent. He comes up against some pretty evil characters, most of whom underestimate the calibre of their opponent. It's good (well mostly good) against evil and there is usually little doubt as to who will prevail. Never mind that the storyline is fairly preposterous; the action and flow, coupled with some twists and turns made for good entertainment. Author Lee Child took some liberties with his research, for example his re-creation of the layout of Atlanta's airport and his ignoring of the truck inspection facilities on the Georgia/Florida border. But he made up for it with a compelling narrative and descriptive (but not overly so) language. Dick Hill did a good job with the narration and I'd listen to other books he's done without hesitation. This type book should probably max out at four stars and I'm glad to award them. If you're turned off by violence and evil characters, shop elsewhere. Otherwise this book is well worth a listen.
"Starts strong & then fades"
"Killing Floor" begins with an intriguing, attention grabbing opening. Unfortunately, if you're a logical analytical reader (my downfall), this book has so many frustrating plot gaps and reality disconnects that you'll either have to put part of your brain on a shelf, or be annoyed with both Lee Childs and his editor. If you're disturbed by multiple, one in a million coincidences, and utterly unrealistic individual and institutional behavior "Killing Floor" will frustrate you. A couple examples (not plot revealers) a government agent is killed in the line of duty, and no one shows up to investigate; bodies are hidden in a car in airport long term parking and supposedly won't be found for weeks--in a very warm climate (decomposition maybe??); the main character causes serious mayhem, with multiple witnesses, while driving a Bentley, and is apparently never sought by the police and later drives (still in the Bentley) by the scene, which is surrounded by police, and no one raises an eyebrow.
This may sound trivial, but this book is a never ending series of implausabilities that gets irksome.
This said, I found Jack Reacher to be a compelling character, and I'm hoping that the series will improve, so I'll be listening to another one.
"Awesome - Great Opening!"
I started listening to Lee Child when I exhausted the Patterson Alex Cross series. I started with some of the more recently released titles and then went back to the beginning - Killing Floor. What an awesome, suspense filled delight. Lee Child started his Jack Reacher series with a winner.
"Another Great"
Just when I was starting to think I had run out good books to listen to, I disocvered Lee Child.
Though the main character is a bit rough around the edges, that's part of his charm & what makes this book a good one.
Its certainly not for the faint of heart but if you enjoy a twisting plot with some interesting character development then this is well worth the listen.
I am looking forward to the rest of the them.
"Great book"
This is a greaat read. Great tough-guy character, Jack Reacher at his best. Ramps up about a third of the way into the book and ties together beautifully at the end. During the last 3 hours I was late to work on two occasions sitting in my car listening for the outcome of various predicaments.
"Killer thriller"
This is a good listen if you are into mysteries and thrillers. A fast paced book with a lot of plot twists and a tough guy hero.
"Excellent "First-in-the-Series" Book"
The mark of a good first book in a series is to get you to continue to follow it. I started with this one and have downloaded two more since in short time and will probably continue on. To quickly sum things up, Jack Reacher is a tough, no-nonsense, ex-military guy who seems often to be at the wrong place at the wrong time. He's the kind of man women want and the kind of man men want to be. One knock on Reacher from this book and the others so far, is how he always seems to be the only person smart enough to figure things out. The Harvard-educated policeman in this story seemed to stumble left and right, and needed Reacher's guidance to figure it out. That said, I think that's also a huge part of his appeal. It's nice sometimes to drift away into a world where you can pretend you're Reacher (if you are a guy or that you know a guy like that if you are a woman), and you use both brains and braun to deflect anything that comes your way. How great would it be to go through life like that? So if that type of escapism is calling out to you, let Reacher answer it.
"Killing Floor -- Terrific for the genre"
I like these books. I like their allusions to cultural heros, old music, and literature. I like the way Childs weaves those things into his plot. There are phrases that I **know** he lifted from old rock songs.. .I hear them all the time in his books, but can't think of any one now except, "walked on down the hall," but there are many. Among the Child/Reacher novels, this is quite good. Yes, it's a bit of a stretch to accept the coincidences, but so what? It's fun, it's harmless and, as always, we get a lot of education -- geography, history, psychology and always specific information about an important and interesting subject -- this one being... well, you know.. can't spoil it here. But from this book I learned more about the economy and about printing processes and qualities of paper than I ever thought I'd need to know. All good stuff. All worth listening to.
I believe a reviewer should finish a book before submitting a review. What do you think?
"Decent Mystery"
This book maintained my interest throughout. The story was a bit unbelievable though because the arrogant main character (Reacher) has all the great ideas, while the experienced(20 yrs) and Harvard educated primary detective comes off as pretty inept and rather dim-witted. But regardless, it was a good story and creepy fun.
"Started 5* later 2*s- why?"
Tight noirish gripping beginning held for a few hours in very detailed page turning?, tension.
Then the book seemed to change to less original more cliched, and increasingly predictable until I lost interest except for plot resolution.
I thought that perhaps a ghost writer took over or an editor said make it much longer and the author lost the mood and his focus.
Anyway, it was interesting for the writing process and the way the characterization was very good and distinct for quite a while.
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Stay away from American General's personal loans
Posted by
DELAWARE, OHIO -- In 2006 we got a loan to fix our windows for $2,500 plus financing it was going to cost us $3,748 well a couple months later we hit a bind and they offered to loan us another $500. Turned out what I thought was just an extension to our loan was in fact our 1st loan paid off and then they rewrote a new loan including the extra $500. That stupid $500 just cost us 1 more year and the loan is now for $5,900. How the hell this loan just doubled I can't get these loan sharks to admit to but I'm determined to let anyone and everyone know that they are just as bad if not worse than any loan shark out there and they did this legally...it was my fault I sat and listened to them as they said they would just "amend" the contract when in fact they had me paying back twice more than I borrowed. I filed an BBB complaint and they have a neg report on them but I don't think that they care....stay clear of these people they will take you to the poor farm and will keep trying to sell you snake oil. Research if you don't believe me but I have proof they have ripped me off and they won't even send statements of receipt of payment because I paid extra and I paid monthly and they still have me behind on payments. Wish me luck in fighting these jerks!
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Anonymous on 07/31/2009:
OK.... here's a wish of luck.
Soaring Consumer on 07/31/2009:
Sounds like you need to contact the Attorney General - your state's Office of the Attorney General's Consumer Protection Division.
Anonymous on 07/31/2009:
Soaring, did you see that part where the OP stated what happened was legal? Their only option is to pay off the loan, or not pay it and suffer the consequences.
jktshff1 on 07/31/2009:
Read the fine print and understand what you are agreeing to.
Very simple. How hard is that?
Soaring Consumer on 07/31/2009:
That part may have been legal, but marking him as behind in payments when he is actually ahead is wrong.
madconsumer on 07/31/2009:
did you think the 500$ was a free gift? or did you expect it to be a second loan?
Anonymous on 07/31/2009:
How did they know that you 'hit a bind'?
grandma005 on 08/01/2009:
American General is AIG. What did you expect? I used to work for American General. I have seen their loan applications and yes they are crooks. Did you really need money that bad?
grandma005 on 08/01/2009:
I don't understand the math of this loan. If the loan was taken out in 2006-three years ago, why is the balance now 5,900? Did they not credit any payments for the past 3 years? The interest rate of the first contract was 50%. If you paid any payments for the past 3 years plus the extra $500 how could you owe that much? $2500 plus $500=$3000. $5900 =$3000 equals $2900 in interest and that is not giving you any credit for payments.
Jenbenoh on 08/01/2009:
I was told that the $500 was going to be added on to the loan, I did not read the fine print and yes that was my fault. The point I was trying to make was that they knew we were in a financial bind (broken down car etc..)I want to warn people not only of AIG/American General but others like them and when they ask you to go ahead...extend the loan it's not helpful to you just them.
old fart on 08/01/2009:
All of the independent finance companies are legal loan sharks...
When we were first married and flat broke 42 years ago, they were the only viable alternative but in this day and age I'd NEVER consider them...
Eloise on 08/01/2009:
It was an expensive lesson! This business is set up to make money from your 'bind'. To think any other way would be foolish. American General is supposed to be for short term loans. Not for loans that extend several years. As a result you pay in blood, sweat, and tears.
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A Bum Deal
Posted by
BELLEVUE, WASHINGTON -- I decided to buy a new motorcycle and the dealer arranged the financing through American General Financial Services. I had a blemish on my credit and could not get premium financing and decided this was a way to rebuild my credit at a cost of about $50 per month over good bank financing.
I applied for and was granted a loan for $7500. The motorcycle cost $10,000 and I was prepared to put down the difference..no problem. While sitting in the parking lot for American General, I called my own bank who financed both my cars and worked out a much better plan. If I put $8,000 into a CD they would loan me $8,000 for only 3% over prime. Over a 48 month period I would earn more money on the CD than the finance charges on the loan.
I left American General hanging and drove straight to my bank and did the deal. When they called to ask if I was still coming, I told the representative 'NO' and explained the deal I got at the bank. He admitted he could not match the deal and I thought OK, game over.
Then I got a denial letter from American General saying I was 'DENIED' the loan due to information on my credit report...which was not true. I called the Branch Manager in Bellevue, Washington and she would not return my calls so I filed a complaint with the State Attorney General followed by a letter to the Branch Manager advising them of my action. Finally a few days later some other guy called claiming to be the REAL manager and said he was sorry for the confusion. He said no report was filed with the credit bureau and the denial was just internal. Yeah sure!
The end result was my State Attorney General forwarded my complaint to Scott Murphy, the American General Assistant General Council, who replied saying they were in their right to file a denial report since I applied for a $10,000 loan (not true) and they could not grant that loan amount due to my credit report (also not true).
Basically they twisted the facts to suit themselves, blathered on about their compliance with the Equal Credit Opportunity Act to justify their 'denial' of credit when in fact it was I who denied them and I think they just got pissed off about it.
I suggest if you are ever in this situation go to the creditor and get a copy of your complete file, get a letter from them at that time stating they will NOT file a denial of credit with the credit bureau and that your application was closed due to your choice not to proceed.
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Anonymous on 03/14/2009:
You may want to look at that loan again. While a secured loan is a good idea for you, no bank ever pays YOU more interest on the deposit than you pay to them on the loan. On secured loans the rate is generally 2 or 3 percent over the rate you are getting on the CD, so it's low interest (net), but not no interest.
tnchuck100 on 03/14/2009:
If you have the money to put into a CD why not just use that money and not finance the motorcycle at all. 0% interest, $0.00 monthly payments, no possibility of a late fee and YOU get the title.
Using the banks offer amounts to them making interest money from you with absolutely no risk on their part.
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Mortgage Issues
Posted by
ILLINOIS -- I have recently been questioning our mortgage company and its lending practices. We were first time home buyers and went to a finance company where we had done small loans with before. We trusted these people but now I am really wondering about things. We received just one document at closing, which was an open end mortgage. We had to meet with the manager on a Saturday, and we were rushed through the signing. Basically it was a sign here, initial there, we will take care of the rest the next week. Well, I finally after 7 years got most of the documents from our loan. We have been requesting this information for the last 2 years. We have now found out it was a HELOC mortgage. We finally received a good faith estimate, which they also call their settlement statement, basically a range of what we were supposedly charged. Our interest rate is 15%, which was not what we were told in the beginning, but we paid points to have it bought down. We have a pre-payment penalty, a balloon payment in 2016, and a mandatory arbitration clause. There was not a 3 day right to cancel, a truth in lending statement.
We bought a modular home which cost $41,898.00 now we find out the HELOC states our initial line of credit was $49,941. and the initial advance was $47,178.88. So where did the approx. $6000.00 go? We have made payments for the last 7 years and I requested a payoff statement as of December 2008 and it was 50,521.68 with a per diem interest 15.90. We were also charged for a single premium insurance at the cost of $1160.00 which we were unaware of. I'm not sure if any of this makes any sense to anyone, because I am having a hard time understanding it myself. We were very naive buyers, but we really felt secure with borrowing from this company, and expected them to be open and honest with us. We had not questioned any of this before, but my husband became very ill a couple of years ago, and we were told we had disability insurance, which is a whole other story that I won't go into. My husband became disabled and we waited 18 months on SSDI but got behind one payment during his illness.
When I try to talk to the branch manager about any of this she threatens foreclosure, which she tells me, they can make us move out immediately. I have been trying to read some info on the net about HELOC's and open end mortgages, but I am starting to get more confused, the more I read. Am looking for anyone else's input if at all possible. Thanks
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Bait and Switch
Posted by
MARTINSBURG, WEST VIRGINIA -- I decided in 2005 that I needed money for Christmas and American General seemed to give me what I needed. I was very satisfied in the beginning with them until I went to pay off my first loan. I had only been with them a little over 8 months when I paid them off and then I needed another loan. I went to purchase a vehicle with the proceeds from refinancing my home and American General told me that they would give me back the money in a loan. I used every penny I had in the bank (11,000) to buy this car on a Saturday because they were closed. When I went to their office on that following Monday they told me that I could only get 6,500 dollars. I was very upset but evidently did not learn my lesson. I sold the vehicle and did a payoff from CarMax.
They told me that I would still have a balance of around 700 dollars I would owe and that was fine. I asked them since I just paid off 8,500 dollars by selling the car, that they could let me borrow on a personal loan about 3,000 dollars (including the 700 balance from old loan). What I was told was NO PROBLEM!!! Then when they received the payoff from the other company they told me that they were sorry, they could only refinance the balance owed and that my interest rate would go up if I refinanced almost 10%!!!! What a rip off. I don't recommend these people to anyone and I hope you think twice about going to them for a loan. I got burnt twice but I can bet you it won't happen again. Remember this is the location in Martinsburg, WV.
I don't think it matters where they are though. The corp. office did nothing to solve my problem. They said that it was up to the District Manager to make the call. I was never late on a payment because I had direct debit out of my checking account. I was told that I had the lowest possible rate because I was a valued customer. But you won't give me another loan because my credit score dropped because I purchased a new vehicle and they had inquiries on my credit report?
And by the way, a flawless credit report at that with NO degrogatories on there. Please consider this before you go to them for your financial needs.
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Hugh_Jorgen on 01/08/2008:
These types of places are some of the most expensive places to go to borrow money. With your good credit, find a local credit union that you can join, or barring that, find a good locally owned and managed bank - they will appreciate your business.
HKong on 01/09/2008:
I agree with JayD. If your credit was so good you would have gone elsewhere. It seems as if you are trying to borrow your way to prosperity. Of course with loans and requests, your credit score would go down, did you think it would go up?
ChrisSA on 01/09/2008:
It was late on a Saturday when I went to purchase my vehicle. I had been with American General for a while and I appreciated the way they helped me out for Christmas that previous year. I am not saying I have perfect credit in the 800's but I do not have ANY negative items on there. I am in the 700's and I thought that they appreciated me as a customer since I had been so trustworthy. I do not sit on the computer and just put things on there to give a company a bad name. I had a 10,000 limit with them too that they gave me for a furniture store in Hagerstown and they did not charge me any interest on that one. I am a hard working mother of 3 and one of my children are handicap. I need funds to be able to afford my daughters therapy. She has Erbs palsy, so unless you have walked in my shoes then you have no idea how they treated me. They treated me like I was one of these low class citizens (probably like you) that do not have credit or a pot to piss in or a window to throw it out. I am very upset that people like you go on this website and do not take people's word that they were screwed. Please take my advice and quit saying things to people that you have no idea what is going on.
towney007 on 05/15/2008:
AGF is usually pretty great about re-financing people. I used to work for them and while I've been gone from there for like two or three years, they're pretty reputable by consumer finance company standards..Chris, did anything change on your account or in your budget? The thing is, unlike a lot of places, they have pretty strict income guidelines and what not. Might not have had anything to do with your credit. Sounds like you're carrying a pretty substantial burden there, so that might have had something to do with it. I would've asked them.
Also, whomever looked at it could've been different. Some Financial Reps there are really strict, some are more lenient. If a District Manager is in the office, sometimes they're more hesitant to do certain loans. I know my branch manager was pretty flexible, but my district manager there was freaking Stalin. It depends on who is in the branch on what day sometimes.
The other thing to keep in mind is that the office staff is usually REALLY young, and depending on what neck of the woods you're in, there's sometimes a lot of turnover. So while one FR might be really buddy, buddy with you, if a newer one had a bad experience with you, it could've soured them. Immature I know.. but still.
I wouldn't sour on them altogether. Here's the thing to keep in mind with them.. especially coming from someone who used to work there... The Interest bearing loans are pretty bad. They don't lie to people about the terms, but the terms are REALLY complicated and the people presenting them need to be well-versed to communicate them well. It's not really the company's fault, as they've got an a$$ load of regulations to dodge from the government.
The simple interest or precomp loans are a steal though. They really are. I know people whine about the interest rates, but honestly, they HAVE to be higher for these places to make money. If you've got good credit, unless you're looking to get money FAST, you're best off going to a bank. Commercial lenders don't have the controls banks do. Like if you default at a bank, they can freeze your account and the risks are lower for them. For commercial lenders, they don't have the ability to aggressively collect like banks do, so they need to compensate and charge higher interest rates. Also, because of it, they generally have to weed through 'less desirable' customers than Banks. Just sorta the way it is.
The second mortgages are FANTASTIC, especially if you're using one for Credit Card Consolidation. The first mortgages... unless you've got bang up credit, aren't too great. The pre comp loans are great and I'm still convinced that their retail programs are the best one going. FAR better than HSBC who slap credit insurances all over your loans without letting you know it.
So. Use American General if 1.) You want a loan FAST; 2.) Retail Financing or 3.) A Credit Card consolidation second mortgage.
Stay away from the Lines of Credit and higher Pre-comp loans. Smaller pre-comp loans are fine.
But most of all: MAKE YOUR PAYMENT!
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Stay away
Posted by
A very unforthcoming rude company with employees to match. I won't go into my personal info, let's just say the fact that I took time to do this should tell the story. Stay away from this place at all costs
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Anonymous on 01/24/2011:
No, it doesn't tell us anything.
saj80 on 01/24/2011:
I had a loan with American General Finance years ago, when I was first establishing credit; always paid on time and never had a problem.
tnchuck100 on 01/24/2011:
Content Rating: Insufficient Information
rockfishing on 01/24/2011:
The fact is factless.
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American General Financial mislead us on a loan
Posted by
COUNCIL BLUFFS, IOWA -- American General reviewed our credit report and suggested that we apply for a loan to refinance our home, consolidate some bills, and do some home improvement. We followed the requirements of supplying the proper paperwork and such. We were contacted a few times asking for different information. Each time we were told that the loan looked good. On 8/23/10, we received a phone call stating that our loan was OK'd and they needed some information about the bank that had our mortgage. When I called them back with the information they required, I specifically asked them if the loan was passed for sure and could we contact some companies about estimates on the home improvement. They said, "Absolutely". We contacted some companies and set up appointments. We also told a couple of our friends about our plans. On 8/24/10, we received a call stating that the loan was refused because of something that they saw on the credit report. This item that they mentioned has been on the credit report for 8 months. They should have seen it when they originally checked the credit report. Also, I might mention that our house which they would have had for collateral on the loan is worth much, much more than what the loan would have been for. I feel that we were the victims of unfair business practices. I suggest you don't deal with American General unless you want the rug jerked out from under you.
Resolution Update 08/26/2010:
I must admit that I have to withdraw my complaint posted on 8/25/10. It was all due to a large misunderstanding. I had sent a letter to American General Financial containing the information I posted on this site. I received a phone call from the Regional Manager today stating that this was all a major misunderstanding and that application would revert back to its original status and the loan would be approved. The whole incident happened because of miscommunication between the home office and the local office. In speaking with the main office and the local office, everything has been settled to our satisfaction and we are now very happy with American General. Thank you American General. Donald G. Powers
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tnchuck100 on 08/26/2010:
Count your blessings. American General Finance is a predatory lender. Their interest rates are atrocious.
grandma005 on 08/26/2010:
I second that. I used to work for them and I saw the loan doc's and all their fees.
Anonymous on 08/26/2010:
I get spam mail from AG all the time, those letters that they send out with partial facts about your mortgage payments and interest rates and claiming I'm prequalified to refi with them. How would they know I'm prequalified w/o running my credit? They don't. Predatory lender is spot on.
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Really Screwed Up!!!
Posted by
LAS CRUCES, NEW MEXICO -- I applied for a personal loan through Money Now USA which states they work with numerous lenders. I actually have tried a few times to see and it always refers to American General Financial Services (member of AIG). I filled out the application and was emailed that it was accepted and I would be contacted in less than one business day. I noticed through a credit monitoring service I use that my credit rating was verified immediately. Two business days later, no call. I decided to call them where they questioned me on the same things contained in my initial application. They took almost an hour of my time, only to offer me a loan of about 15% of what I asked for and at 35.99% interest. The manager was rude and condescending, unprofessional, and even actually called me again after I turned them down on their ridiculous offer. They are a branch office in Las Cruces, NM. I have tried repeatedly to contact their corporate customer service with no luck at all. They never answer, much less return calls.
Now get this, AIG is getting billions of our tax dollars for a "bailout" and their financial services group does this kind of stuff to American taxpayers! WOW!!! I am not ashamed to say I have a score of 668, had a work accident and it shot everything. Still not bad, great pay history over last few years. And everything I have credit wise is under 11.99%.
Way to go with the tax dollars and the Presidential order to start lending money! Lets see how my Congressman handles this.
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madconsumer on 12/06/2008:
I think the money aig got was to cover old home loans that went foreclosed. aig was the insurer. not sure if the bailout was to cover personal loans.
nanomarket on 12/06/2008:
Like madconsumer, I don't see the connection between American General Fianacial Services and AIG. AIG insures loans, it does not write them.
wna on 12/06/2008:
I am clearly understood of the function/role of AIG. The point I am trying to make, in addition to the poor customer service is that they are part of AIG. Our (at least mine, and I lose at least 400 a week in fed taxes) is given to them in the billions. Yet, they do business at their financial services level on loans for 35.99%. Why do you think we are in trouble as a nation. I work my butt off, get allot deducted, total deuctions about 44% of my gross and my tax dollars go to mis-management and high salaries. I do not know about you but I think this is all a bunch of bs. I do work for a living, how about you? I am a taxpayer, at ridiculous amounts.
wna on 12/06/2008:
One more thing...
undersdtand the parent company process. Many large institutions in corporate America own companies, govern them entirely from the background, and abuse the system and the American public.
nanomarket on 12/06/2008:
You are correct; American General Financial Services is an indirect wholly owned subsidiary of American International Group, Inc. (AIG).
Anonymous on 12/06/2008:
wna, you are right. You should not be ashamed of your credit score. All of us at one time or another have had a legitimate reason for having a less than stellar credit rating. It happens and I am sure you are working to improve it. AIG is in big trouble financially. You walking away from American General's loan offer (even though upset) was probably the best thing you could have done. If they are going to treat you this poorly before the loan documents are signed, imagine how bad it would have been if you were actually a client. There was no reason for this man to call you back unless he had a better offer to propose. He was just trying to keep his sales pipeline from running dry. Good luck to you and I hope you are able to obtain a better solution to your financial needs.
nanomarket on 12/07/2008:
I just noticed that the complete text of my previous comment did not post; here it is again:
You are correct; American General Financial Services is an indirect wholly owned subsidiary of American International Group, Inc. (AIG). I had hoped that the $billions that Congress gave to AIG would filter down to people, like you, who need personal loans. Apparently, the money stays at the top of the organization.
wna on 12/10/2008:
Thanks to all of you for the feedback. I am just very disturbed with the way our nation and the corporate system is working. I am tired of losing so much of my pay to a failing tax system. And JohnInSoCal... Thank you for the moral support. I had a work accident a few years ago. Liberty Mutual, was the wc carrier and failed to pay medical expenses that really hurt my score. I am not saying I have done all so well, but I have a definite 3+ year unblemished record of payment. Vehicle & mc payments, cc payments, and the misc. of course. All under 11.99% What is happening to our great Nation? Could it be...
GREED!!! at the top?
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Interest more than required Payment
Posted by
Mrs. M.
MOUNT VERNON, WASHINGTON -- This company actually has an address of 1616 N 18th St Ste 120 Mount Vernon, WA 98273-2699. Phone number 360 424-7081. When we initially made the loan I made an early payment, every payment was always before the due date and I always paid more than the amount of the required payment. Two times they took every penny for interest. I would have thought that at least the amount made over the payment would have gone to the balance, if only $4! So they tried to explain that because my early payment was so early that the even though the next payment was still early the interest charged all meant that everything I paid them went to interest. OK, I let that slide--Now here it is several years later and AGAIN I paid $500 instead of the $416.68 that my payment should be and they took out $425.42 in interest!
The thing that gets me upset is that how can they take out in interest an amount greater than the payment I was supposed to pay. Especially when I have always paid more than the required amount!
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grandma005 on 02/23/2008:
Why did you pay them extra? Save money up and pay them off in one large sum at one time and end the bleeding of your money. Yes they are crooks. I used to work for them years ago and even then their interest was really high. To get rid of them is the only way to be free of them.
Aerocave on 02/23/2008:
Sounds like this loan is based on of actuarial interest but you are attempting to pay as if it was based on of simple interest. Every extra dollar you pay on a simple interest contract goes towards reducing the principle balance...most automotive contracts are based on simple interest...if it is a loan with actuarial interest, paying extra is basically "prepaying" interest. I would pay the exact payment, refinance under new terms, or pay the whole thing off and be done with it.
Mrs. M. on 02/25/2008:
granma005 and Aerocave, thanks for your comments and advice. I will work on getting rid of them. I recall there is an early payoff penalty but I could leave $5 on there and that would not be considered paying it off...
fyifbi on 08/02/2008:
I feel sorry for anyone that has to do business with AG. I suggest you all go to the collection laws website and see what they can and cannot do and then report them to the State department of financial institutions. They think they are above the law.
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The Worst Of The Worst
Posted by
GREENSBURG, INDIANA -- I recently contacted American General Finance on behalf of my son. He had asked me to help him out with a payment. I contacted them at the Greensburg, Indiana office and informed them I wished to make a payment. They said they would not give me any information on their account, but then told me that 473 dollars would bring the loan current. I offered to pay it with a credit card. They refused. Most places take credit cards these days. I then offered to pay them with a check that I would mail today. The manager of the office said the payment had to be in their office by Friday which it probably would not be if I mailed it. The man was not very customer oriented so I asked for his bosses name and number and called him.
He was even less customer oriented. I would say that he probably costs the company a lot of money as his attitude belonged with Satan and not the angels. To make a long story short, they said they would proceed with litigation against my son. When a company can not wait one more day for a check to bring a loan current, it is time to stop doing business with them.
This company is a perfect example of what is wrong with our country, and why we are losing ground so fast. Their terrorist tactics are inexcusable.
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Anonymous on 08/29/2007:
How did the Founders structure the American system so that socialism would be unconstitutional?
They did it by setting up a "limited" form of government with carefully enumerated powers. Jefferson called these limitations on government the "chains" of the Constitution.
Slimjim on 08/30/2007:
It sounds like that one more day of waiting you want from them, has long since come and gone if they are threatening legal action. I'm sure that's why you are making this payment in the first place. Why don't you just overnight the payment to make sure it hits by Friday.
thegene on 08/30/2007:
In response to slimjimjohnson2000 1) I was making making the payment because my son had asked me to. I know no history about other items. 2) What has happened prior to my first (and only) contact with American General is totally unimportant to my request to make the payment. There attitude and words were confrontational and abusive and highly illogical and totally uncalled for. 3) I will say that there is a chance that they were so "mean" because they have had to deal with all kinds of people going through the same thing and getting no positive results. At age 64 I have dealt with many difficult situations and almost all of them were handled in the long run in a calm and productive manner. After seeing just a few of the complaints on the net about American General, I now understand a lot about how they treat people. Though there could be reasons for how unresonable and disrespectful they were of me, there can be no excuse within comes to a customer relationship.
ChrisSA on 01/08/2008:
I don't blame you a bit for your comments to them. They are very mean and only look out for them. Way to go!!! I hope you take legal action against them. I am thinking about starting a Class Action Suit against them. Maybe we can start something together. If anyone else would like to start something too, just let me know. Word needs to get out on how they treat people.
GordonShumway on 06/06/2009:
OK here is the situation, you were not on the account and were asking for information...do you think your bank is going to discuss your accounts with me if I call; even asking to make a payment. Also there are not any banks that let you pay a credit type bill with credit card. American Express is set up with a very few banks to pay your mortgage and that is the only one I know of, so seriously don't act so surprised. If I could pay my car loan with my American Express I would just for the rewards. I take it Friday was either the last day of the month or when the demand letter expired and payment was needed. Sounds like the account was already 3 months behind or due for 3 payments in that month...so I have to ask should they just wait for the account to charge off before trying to pursue other means of collecting the account. I don't know but that doesn't make any good business sense to me. Regardless of what happened when you talked to them, the situation would have never came about if your son had paid as he had agreed to in the first place...and people wonder why the credit markets are frozen.
Guera8678 on 02/01/2010:
No Ma'am your son is the reason why banks don't have money to loan or want to loan anyone anymore these days even with a decent credit score and the ones who have not had a chance to even establish credit yet get no chance because people like your son take out a bunch of loans they cannot afford.
jktshff1 on 02/01/2010:
Guera...you are way off base, it's the irresponsible actions of the lenders AND borrowers.
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Bad accounting
Posted by
ST. LOUIS,, MISSOURI -- American General has been harassing me for payment due. I have OVER paid them. Their accounting practices are a joke. Also, their payment memos never let you know how much of your loan you have paid down. You have to be careful, it is REALLY easy to over pay.
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saj80 on 07/31/2009:
Not sure what you mean by stating you overpaid them, but if you sent extra, it will be applied to the principal balance. Thus, your next monthly payment will be due for the scheduled payment amount. Also not sure why you don't know how much the scheduled payment is. I have used American General in the past, and the minimum due each month was clearly stated on the statement.
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Guest blog by Deborah Dubow Press, Regulatory Affairs Manager, ASPCA Government Relations
The ASPCA believes that an ounce of prevention is worth a pound of cure. The more prepared animal facilities are for emergencies, the better responders, like the ASPCA, can stretch our resources and focus our relief efforts when disaster strikes.
That's why today we applaud the U.S. Department of Agriculture's (USDA) new regulation requiring all facilities licensed under the federal Animal Welfare Act—this includes breeders, zoos, research facilities, dealers, and other exhibitors and intermediate handlers—to prepare emergency plans for protecting and caring for animals during disaster.
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Absolutely great news. Let's hope many thousands of animals benefit from this.
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