If you have any other broadband available to you, ie: DSL, cable, or FiOS, go with one of them. I just switched to the aircard because I was using satellite and it was just a little better than dialup. The aircard is usually faster unless you are on the 1XX(voice) service. Then it may not be any faster than dialup. So a lot depends on where you are located and where you are in relation to a tower. The aircards are primarily designed for business travelers who need broadband service "on the road". But many of us in areas where we have no other choices are beginning to use this service at home. Of course, the more crowded the service becomes, the slower the service becomes. I notice a slowdown during the evening hours where I live, but that happened with satellite, too. For e-mail, surfing, some streaming music and UTube, the 5GB limit should be okay, but as I stated before, lots of videos, movies, etc. will use up your alloted bandwidth in a hurry. There is lots of information available, so use your friend Google.

Since I have worked like crazy from day 1, and havent had much time to post, I guess I should fill in what I didnt on my post Monday morning-- I was hired on November 8 to fill a newly created position in the accounting department. It was the position of Accountant/Supervisor, and I was told that a 4-year degree was needed for this position. I was also told that I would learn the 5 audits that the department performs, as well as any other additional accounting functions that were needed. I was not given a deadline in which to have finished my training. During the last 2 weeks of November, I was taught one audit, and in December, I was sent to supervisor training, and then my direct supervisor, "H" re-certified as a supervisor me on December 28th and wrote on my evaluation "Good Job!!". I also started learning the slot audit about during the first/second week in Dec. And that is where I stayed until. On or about January 4, "H" called me into her office to say that from the reports she was hearing, that I was "burnt-out" (wtf???) on the slot machine audit, and that I was being put on another audit on January 8. When I asked what the problem was, she replied that she had received reports that I was stressed out. The only slot auditor for the week in question (December 25 to December 29; that supposedly burnt me out; it was also the busiest week at the property) was "R", who at one point told me to "stop f*cking things up", among other various job-misleading "help" she gave me while she was "training" me. I was told previously that she ("R) was very angry with me coming on board as she thought she should get the new position, even though she does not have the required degree. She ("R") was hostile to me while training, uncooperative and very demeaning to me and my background. She refused to help me on more than one occasion when I had problems with the audit, and would have a negative attitude when I asked for advice. And no, she wasnt too busy with her work to help-- I went to the other audit, and have been there ever since. "H" called me into her office on Sunday, January 22, told me that my position was eliminated because I wasnt trained enough to supervise the office for the week of January 23 27 (since the other supervisors were in training that week), and that I had had problems with that week in the slot audit. (Seems to be a re-occurring theme.) At this point, told her that I had never been given any specific guidelines as to when my training was to be finished, and this was the first I had heard that the other supervisors were to gone from the office that week. Then, I spoke up, and finally told her the conflicts with "R", and some of the things she said to me, and that she deliberately tried to teach me wrong procedures concerning the slot audit. (I learned about the wrong procedure from the other slot auditor when she came back to work, and I asked the correct procedures.) I also pointed out that I was never given a timeline that I was to know the whole department, and that she, "H", was my supervisor, and had failed to inform me of this. "H"then kept repeating that that week in the slots was bad (see, keeps re-occurring), and that I was being demoted to this other position, with a 50% reduction on pay (and I now became hourly; I was salaried before) and that my off days would be changed to reflect my new status. She also asked me not to say anything to the rest of the department until next week. (I assume the week starting January 29.) On Tuesday, January 23, I was sorting paperwork at the printer, and "H" apparently did not see me standing there, and I over-heard her, speaking in a low voice, tell "R"that my supervisor position was open, and she should go apply for it. No one else in the accounting department knew, as they might have a degree and be qualified for the position, but "H" did not choose to share that information with anyone other then "R", who has been sabotaging me since she had the chance in December. So, at this point, I figured that since it was, ahem.. public knowledge at this pointhey"H" told "R"and I let it slip at lunch to the others. Everyone was shocked, as I get along with them, and have helped out with their problems before. And, I figured that it was best to hear it from me, so that I dont look like a whipped pup. One of the guys that reported to me went back to the department and let it slip that he found out, and "R"s face was pricelessshe got defensive and her voice got high. It was funny to see and hear. He said that he overheard "H" tell "R", and she immediately started to backpedal. I did go to HR, and register my complaints, and the rep asked what I thought the repercussions would be, and I told her that I figured Id be fired, and she said "Well see about that", and smiled. Throughout all of this, I have kept my composure, and have smiled and not acted any different. I still talk and laugh and cut up, and I have kept the same level of work standards that I have from the first day. I finished one audit by 10am yesterday, the second by 4, and still and time to deal with other peoples problems with their work. So, I am still employed, but I think things will change on Sunday. And probably not for the better. Oh well. Its just a job that paid very well; its not my life and it does not define me. I did tell Rog on Monday, after I took a good assessment of things, and he is OK with things, no matter what happens. I told him everything, and I told him the reason that I could not tell him Sunday was that I couldnt bear the look of disappointment in his eyes, he told me I was silly, and that I couldnt disappoint him, ever. BJI love you, my sisnothing you can say to me would ever hurt me, b/c I know you speak from your heart. If I were hourly, I would say you are right, but I was salaried, and all supervisors must stay until all the work is finished, even if they themselves have been done for hours. And I was told that everyone must help the others out to finish up, which is fine with meso, thats why I would always ask, when I was finished, if I could help with someone elses work. (Although, in retrospect, I never did see any of the other supervisors do thatever. ???) My insurance will not kick in until Marcha long way to go--, and I was not given any type of review until this past Sunday. Nor any sense of unfilled expectations on anyones partI was told by one of me peers that I was going a very good job And as for the "down with" statement, I merely meant that I was now down in the pit with themnot a put down (LOL!) in anywaythey are great people! J The coatit is a Burberry, and it came form a consignment store with a no-return policy. (I rarely buy anything from a mall.) Still, even for that price, I wouldnt have bought it now. Its so gorgeousI feel like a million bucks with it onJJJ And---about the attitudeyoure right, and thats exactly what Ive been doing all week. Im still the same person I was this time last week, and Ill be that same person this time next week. While I hate being in this position, it is just a job, and it does not define me anymore than my MIL does. So, Im disappointed, but Ill liveits OK, and Ill just start over again Enough of me Patti(((((hugs))))) to you and your friendI can not imagine that pain NHSuzannegreat pics! JJ Marcithanks for the birthday exchange! Gotta goRog will be home in a bit Love and hugs to all Maddie

It sounds like with the number of credit cards you are currently holding, along with the large balance on the citibank card, you would be a great candidate for a REPUTABLE debt settlement program. I say reputable because it is well known that the majority of debt settlement companies have taken their fees first before they ever settle one of your accounts. However, new FTC legislation bans this practice, and as of October 27th, 2010, debt settlement companies must settle at least one of your debts before they can charge you for their services. You may genuinely benefit from working with an accredited debt settlement company. By doing so, the company will negotiate with your creditors on your behalf to help secure a settlement that is a percentage of what you originally owed. Great settlements are usually somewhere between 40-60% of the original debt. If you do choose to do this be aware that your credit will initially suffer, but that with more cash flow to go around because it is not being eaten up in minimum payments and interest, you can actually begin to repair your own credit by making solid financial decisions. In reality, you most likely already have poor credit due to your current situation, so you seem to have nothing to lose by seeking reputable, outside help. You can get ideas for repairing your credit from myfico.com. Further, I would be wary of going with a credit counseling agency. Though they may have a 'non-profit' status, they are in reality usually set up by the credit card companies themselves in order to recover as much of the original debt as possible. Nobody works for 'free.' Credit counseling works by contacting your creditors to lower the overall interest rate of a debt. Though this may save you some money, you would be better off finding an accredited debt settlement company to negotiate for you. Arm yourself with perseverance and a solid understanding of all your options. Once you set your mind on a plan, follow through- debt does not have to consume your entire life, and can be paid off in time.

One thing to know about debit cards...you cannot put a stop payment on a transaction. You must dispute it and wait. I had a legitimate reason to stop payment on a transaction, but found I could not because it was on my debit card. I was told by the bank that it's essentially like cash when it comes to payment. Whenever we need to purchase a big ticket item, or have a repair done, we use our credit cards...gives us some protection, and in some cases, the CC covers a longer warranty. I use checks very, very infrequently. Debit or credit cards almost exclusively. And every one of our household bills is done with on-line bill pay. I set up regular recurring payments (mtg, car insurance, etc) and for variable payments, I can set the amount I want to pay. Even for places (like the garbage co) that don't have electronic payment option, my bank sends them a check, but immediately deducts the payment from my account as if it were an electronic payment. I absolutely love it. No paper, no stamps, no finding a mail box, no late fees, and a permanent record of what was paid where all on my computer screen. My mother actually turned me on to it! I quit writing checks to stores when I got the 3rd degree after writing a check. Needed ID, managers approval, yada yada. But swipe my plastic and no problemo. Honestly, it'd be easier for an identity thief to clean you out with plastic than a check, but the stores act like you're a criminal for writing a check (unless you're white haired, barely reach the counter and take 13 minutes to complete your transaction )