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That’s true for repairs as well, although how much you spend depends on what breaks and how badly. The usual rule of thumb is to set aside 1% of your home’s purchase price each year for repairs. Some years you’ll have money left over, but eventually you’ll face a cost like a new roof that overwhelms your savings. When that’s the case, that home equity line of credit can be a low-cost way to pick up the slack. 422

So, if you’re talking privately with your spouse or yelling at your children, it could be recorded and played back by the company.Steve Zansberg, a First Amendment lawyer at Ballard Sparr, says there is some grey area.  "On-hold portion of the call could be used against someone, whether or not it could be used lawfully or whether the mere recording of that information is lawful, is an open question," says Zansberg.The likelihood of someone being recorded while on hold is highly probable. According to a New York Times article, hundreds of millions of customer service calls take place every year, and millions of those are monitored."People should be very careful when they're speaking with the company after receiving an initial notice that this call may be recorded for training purposes or otherwise,” warns Zansberg.Research found, most of the time, companies use these recordings to monitor employees and make sure they are behaving appropriately. The centers who monitor the calls and listen to them are looking for irregularities with the phone representative to maintain customer service. In some instances, however, companies use them to prove that a customer said or did something.As for Adams, she says she’s learned her lesson. The company that caught her didn't appear to treat her differently because of what she said, but she says she’s embarrassed and will be careful about what she talks about when on the phone from here on out. 1456

Since 2014, we've had 302 discipline cases. Of those 302, three involved what you're talking about here. And they all happened this year, said DPD deputy chief David Quinones. "Obviously it's a concern for us, it's not the standard of service that we expect from our officers, and those three have been addressed." 319

Started in 2013 in Washington state, "Buy Nothing" now boasts some 60 neighborhood pages in San Diego County."Any time you can gain an inch in your pocketbook, it's helpful," Sloan said.MAKING IT IN SAN DIEGO: Woman builds granny flat to finance retirementTens of thousands in the county have joined up."You give freely and get freely. It builds community and minimizes waste," Baca-Craig said.Two Halloweens ago, Baca-Craig created all of her family's circus-themed costumes by going on the Buy Nothing page and asking for donations. After Halloween, she put all of the items back on the site."It's all those things that add up and makes everybody's life a little easier. That's why we do it," said Baca-Craig.To join a page, you do have to have a Facebook account. Find the page?that corresponds to your neighborhood, and ask to be added. 855

The Air Force Inspector General is currently conducting an investigation into what happened. The Pentagon has also requested that its own inspector general review the handling of Kelley's records, along with the Air Force, as well as its reporting practices more broadly. 271