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Well, let's just say I usually "pretend" that I work for Enron and shred everything, then I burn it in my portable fire pit. Hasn't failed me yet 8)
I can pass along a little bit of info along about my sister who was scammed by a contracting company.
Mind you, many contractors are legit and an asset to those of us who need home improvements. But there are a few snakes out there who prey on young married couples who are somewhat ignorant sometimes about finances and "deals".
This company sold my sister and my husband new, installed siding on their first "fixer upper" home. It was a fly by night job done in two days by a shoddy work crew. They were conned into a very bad deal with extremely high interest and financed the job with about $200. down payment.
Here is another tipoff **They were also told that their house would be photographed and used in the company's marketing materials and would get a price break for allowing their home to be used for their company publicity, which of course never materialized.
What they got was a nasty looking siding application, terrible finance deal, and a next to nothing guarantee. Yes, the company was crooked, but also, more importantly I think was that my sister and her husband just didn't know how to shop for financing or smart contracts and things of that nature to protect themselves.
You know what they always say, "once bitten, twice shy". They were happy to learn an important lesson early on in their marriage.
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