Tuesday, December 28, 2021

Challenges


                                                                      Hello Family

Happy New Year. So, tell me what your money challenges or life challenges are for 2022. Think about what is important to you. Money, health, happiness, family, peace of mind and then go for it. As we can see this year and last year was more about family then money. Try to make it both in 2022. Save that money but also visit the people that you care about. Heck visit the ones that you really don't care about to.

Make 2022 be the year that you make a difference in your money life and family life. Happy New Year Family you are always loved and appreciated.

                                                            


                                                             

Thursday, December 23, 2021

Love this show

                                                                        Hello Family..

For my cheapskate past time, I watch the show the Secret Lives Of The Super Rich. you can watch it free on peacock tv. Anyway, the reason I like watching it is because this show tells you what muti millionaires and billionaires buy. And if you look at it from a frugal/cheapskate point of view you say why are you buying this stuff just to say you have it and you're buying for the purpose of what else are you going to do with all that money but buy stuff just to have.

On one of the show a multimillionaire purchased a 100-million-dollar Manhattan penthouse in the highest building in New York. He stated that he never was going to live in it. So why buy it then?  A lot of the multi-millionaires and some billionaires buy stuff just to show off to other billionaires and millionaires.  They all have such big egos.  I find the show entertaining because people with money can spend it on such foolish things. It's fun to watch and comment on it. Think about it what if you were muti-millionaire what would you buy? Being a frugal cheapskate, I would update my home. buy a condo in Vegas ( a cheap one at that) and invest the rest so that I could live off the interest. My lifestyle would not change as much I just would have more money.

                                              Have a Happy & Safe Holiday & Save that $$$$  

Tuesday, December 21, 2021

Happy Holidays


                                                                     Hello Family..

With the holiday Season coming soon. I just wanted to wish my Cheap Cheetah Family a Safe & Happy Holiday. Be Happy, Content & Save that $$$ for 2022.

                                        Have a Great Cheap Cheetah Day & Holiday!


Sunday, December 19, 2021

Better Late Then Never


                                                                       Hello Family

Today I sharing with you last minute gift ideas. Also, I am telling you what I did as far as gifts giving goes this year. Join me and let's talk Money https://anchor.fm/cheapcheetahmoneyshow

                                             Have a Great Holiday & Save that $$$$

Thursday, December 16, 2021

Love this


                                                                  Hello Family

 I saw this comic strip and wanted to share with you it's cute & funny. Have a great Thursday!

                            Have a Great Cheap Cheetah Week & Save that $$$$

                                      https://coinqueensyardsale.ecrater.com/

                                                           

Friday, December 10, 2021

Great Idea


                                                                   Hello Family 

I was reading about this idea from a woman who does it and I wanted to share it with you.  When this woman returns her bottles back to the store for the 5 cent deposit. She saves the money from the bottle returns and uses it for the holiday season to buy stocking stuffers and whatnots. I thought this was a great idea. Even though your bottles returns can be $2 dollars or sometimes less. This money does add up. So, what do you think? I might try this myself starting 2022. If you have any great ideas that you want to share right here with your cheap/frugal family regarding Making, Saving and Having fun with money we would love to hear them.

                                      Have a Great Cheap Cheetah Day & Save that $$$

                                             https://www.ebluejay.com/store/coinqueen57


   

Sunday, December 5, 2021

Money In The News


                                                                      Hello Family

Money In The News Today!!! We are talking about The great coupon Scam, Covid-19 Scams. Plis great money saving ideas and suggestions. Let's Talk Money Today!

                             https://anchor.fm/cheapcheetahmoneyshow

                                           Have A Great Cheap Cheetah Day & Save that $$$

                                                      https://coinqueensyardsale.ecrater.com/

Saturday, December 4, 2021

Dollar Tree Holiday Gift Ideas 2021 | Easy Gifts On a Budget

                        

                                                                      Hello Family 
 
                Watched this dollar tree Gift Basket Video. Great ideas for under $20 bucks. I have done gift baskets with free samples. But it's the thought that counts right. Good Ideas for us cheapskate/frugal people.

                                    Have a Great Cheap Cheetah Day & Save that $$$$
                                                 https://coinqueensyardsale.ecrater.com/

Monday, November 29, 2021

Love Family Dollar


                                                  
                                                                      Hello Family.

 This is one that I wanted to share with you when it comes to thinking about the real cost of Holiday gifts. I wanted to purchase 2 gift baskets from Harry & David. The cost would be $40 for each basket plus they have now added a surcharge to your purchase. Because you are sending it after Nov 24th. That's something new because I use to always send items without the surcharge. Anyway, with shipping the price would have cost me over $100.  I said forget about it. Instead, I went to family dollar took $25 dollars and purchase the items that I needed to make my own holiday gift baskets for two people. The only thing extra would be the postage to ship the items. But overall, it would be less than $100. 

Being a proud cheapskate, I say when it comes to giving gifts for the holidays always think of other ways to give gifts. Give your time or scratch off lottery tickets (I do this one myself) Cook something the person likes that you make.

             The holidays do not have to be expensive; it just has to be fun and loving.

                                  Have a Great Cheap Cheetah Day & Save that $$$$


Sunday, November 28, 2021

BIGGEST Powerball Winners EVER & And Where Are They TODAY!

                            
                                                                         Hello Family,

The thought of winning all that money and being a cheapskate all I can say is WOW. I enjoy watching programs like this because it teaches you a lesson. That  lesson is no matter how much money you are blessed to win. Be care how you spend it. Plan your life not around your money but around your happiness. Don't tell anybody about your good fortune just give them anonymous gifts. Take a minute to breath and plan plan, plan what you want your life to be since you now have all the money you might need in a life time. Last but not least always stay true to you cheapskate/ frugal self. Yes, I got that from just looking at this and other lottery winners' videos.
                                                  
                                      Have a Great Cheap Cheetah Day & Save that $$$$
                                             https://coinqueensyardsale.ecrater.com/

 

Thursday, November 25, 2021

Happy Thansgiving

                                                                      Hello Family

                              Wishing you and your family a safe & happy Thanksgiving

                             Have a Great Cheap Cheetah Day & Save that $$$
                                       https://coinqueensyardsale.ecrater.com/

Sunday, November 21, 2021

Pay Attention


                                                                    Hello Family..

Pay Attention That's what I am talking about today on The Cheap Cheetah Money Show https://anchor.fm/cheapcheetahmoneyshow. You can learn a lot when it comes to saying money if you just pay attention to other peoples actions and reactions to things. Let's talk about it 

                                    Have A Great Thanksgiving & Save that $$$

                                           https://coinqueensyardsale.ecrater.com/

                                   

Sunday, November 14, 2021

Holiday Saving

                                                                       

                                                                     Hello Family..

Let's talk Holiday Saving & Free Turkeys today. I have some very different ways to save for the holiday season & here's a way to get a free turkey. Interested  

                                        https://anchor.fm/cheapcheetahmoneyshow

                                Have a Great Cheap Cheetah Day & Save that Money!!!

                                             
 

Friday, October 29, 2021

Cheap & Good Pies


                                                                    Hello Family...

How are you today?  I was thinking with Thanksgiving around the corner I started planning my menu. Which it's not going to be much but here it is.

  • Turkey Legs on sales 4 in a pack for $7 
  • Can Of cranberry sauce .76 cents
  • Bag of mixed salad  2 bags for $3.
  • Stove top stuffing box $1.19 I know that was kind of expensive for a cheapskate like me
  • Box  of jiffy  corn bread mix .79 I remember when cornbread mix was .49 cents 
  • Pecan/Apple/Or blueberry pie  .50 each
  • Something to drink Water.

I was thinking the other day if you want a small thanksgiving and not spend to much money. Look into going to Walmart. I love their pies 2 for $1 and mixed veggies are about $1 a bag. Their meats look ok to be honest I have never purchase any from them. Other then free I find that Walmart comes close to the cheapskate prices I want to pay for food. I am a new yorker so you know our food prices along with everything else is expensive. If your doing thanksgiving on the frugal/cheap share your menu plan with me. 

                                                                             


                                                                Happy Halloween

                                                 https://coinqueensyardsale.ecrater.com/


Sunday, October 24, 2021

Scary Money


                                                                     Hello Family

Happy Halloween today I am randomly talking about some of the money situations that's more scarier then monsters. Please share your scary money situation with me right here on The Cheap Cheetah Money Show

                                          https://anchor.fm/cheapcheetahmoneyshow

                                  Have A Great Cheap Cheetah Day & Save that $$$$

Sunday, October 10, 2021

Coins & You


                                                                Hello Family..

Don't sleep on your coins. Meaning  the pennies, nickels, dimes are more valuable then you think. Let me tell you how https://anchor.fm/cheapcheetahmoneyshow

                                     Have A Great Cheap Cheetah Day & Save that $$$

                                                https://coinqueensyardsale.ecrater.com/

                                    

Saturday, October 9, 2021

DOLLAR TREE MEALS || TEN DOLLAR CHALLENGE!

                           
                                                                    Hello Family..

Love her videos. You can learn a lot  when it comes to making meals for $10. Good suggestions. I am learning a lot from her. You know a cheapskate like me loves to  learn about ways to make more for less. Enjoy!
                                   
                                  Have a Great Cheap Cheetah Day & Save that$$$
                                         https://www.ebluejay.com/store/coinqueen57
                                               

Dollar Tee & Family Dollar



                                                                    Hello Family

The media is doing it again telling everyone that there are food shortages in many stores because of the shipping containers that are stuck at sea. Also because there are no truck drivers to deliver the shipments  to the  stores. The media says  Gas prices, food prices and eating out has gone up between 10-15%.

That's why the media  is suggestion that people find other places to shop beside their normal supermarkets. I can not lie everytime  I shop in my supermarket I spend a good $100 on 2 bags of nothing.. I look for mangers specials now when it comes to meat and other items that are expensive. I wait until my store has eggs for 99 cents and other sales.  I have also notice that the packaging  is smaller and the price is higher.

Family dollar are the places that people are shopping at now. They are making a killing in their food department. Yes you can buy and make some decent meals for under $10 at the dollar store. ( I Posted a video about this)   But don't forget some of the stuff you find in the dollar store/family dollar  you don't know where it comes from. So be careful. Only buy the products that you know and shop with a budget. Also you need to look into purchasing stock in Family Tree/ Family  dollar stores that way your getting your money back in dividends when you shop the store. Just a suggestion.  

                                 Have a Great Cheap Cheetah Day & Save that $$$

                                         https://www.ebluejay.com/store/coinqueen57

 

Friday, October 1, 2021

Happy October

 

                                                         Happy October Family.

I don't know about you but this is a new month to start fresh with spending or shall I say not spending any money. Have you done your October Budgets, decided on what your not spending money on for the month. Me it's  I am on the lotto wagon again. Have you challenged yourself to make more money . I have  created the make $2 dollars a day challenge for myself . This challenge might sound simple but believe me it's not.  the goal is to see if you can make $2 dollars a day or $14 for the week. 

Also have you looked at your goals and decided what you have to do to get to them be it money or anything else? October is a great month to start over and to make your money challenges happen.

                                     Have a Great Cheap Cheetah Day & Save that $$$

                                                     https://coinqueensyardsale.ecrater.com/

Thursday, September 30, 2021

It's Killing Me



                                                                       Hello Family..

This is not good for a cheapskate person like myself. I did my monthly spending budget for Sept 2021. I see that I spend most of my money on breakfast sandwiches from the bagel place and gambling. Really playing the lottery. I have spend  about $70 a month on breakfast but that's for 2 people and Over $100 playing that darn lotto.  But sometimes I do win a few bucks from lotto. I know this is wrong but I will do better. I look at it like this way . Yes I like to save money but life is so short. Covid-19 showed me that. So why not live a little. Enjoy the money that you have worked so hard to save.

                                                  I could be wrong what do you think?

                                     Have A great Cheap Cheetah Day & Save that $$$

                                                  https://coinqueensyardsale.ecrater.com/

Sunday, September 26, 2021

Covid-19 & Money

                                                                            Hello Family

Not only is this Pandemic wrecking havoc on our health it's also killing our money. Let's talk about it  right here on The Cheap Cheetah Money Show https://anchor.fm/cheapcheetahmoneyshow

                         Have A Great Cheap Cheetah Day & Save That Money

                                               https://coinqueensyardsale.ecrater.com/
 

Tuesday, September 21, 2021

Keep It Up


                                                                       Hello Family..

With everything that's going in  the world today. It's hard to keep up. When it comes to your money besides your family & health. Your money  should be #1 , 2 or maybe 3 on your list of things to keep up with. We all need money and without it how will you pay your bills, eat, drive, or take care of yourself and family without it.

I have notice that a lot of us do not pay attention to our money and the main reason is that we might not have any to pay attention to. If that is the case. You can find ways to make  money. Your creative. Think outside of the box. Create a business, sale at vendor events, take on a part-time job. Where there's a will there's a way. 

If your paying down your debt, saving for retirement, saving for a home, education, vacation. all I can say to you is keep it up. It takes baby steps to make something great happen.  You might fall down lord knows I have fell a few times  but I get up and keep it moving toward my goal one step at a time.

                                       Have a Great Cheap Cheetah Day & Save that $$$ 

                                                    https://coinqueensyardsale.ecrater.com/

Wednesday, September 15, 2021

$2000


                                                                     Hello Family

Have you thought about how much you will need to live in retirement. Some say you need millions of dollars. Some say you don't. Being a frugal/cheapskate I say do a basic budget to see how much your expenses are now. I did a basic budget and I see in order to maintain my simple lifestyle and pay my bills I need an extra $200-2500 coming in a month. My pension and social security will not cover my basic living expenses.

Some say to live off your saving good advice if you have saving. But what if you have a little bit of saving say $10,000. If you keep taking from that to live on you will not be paying your bills after a period of time because you would have  used up all your saving.   What I am getting at is this life is so unpredictable but if you start now do a budget, cut back on the  things you don't need and save what you can. You might be able to  continue to live your lifestyle or a simpler one when you retire.

Look at your life and what you want it to be in retirement. Save for it, Budget for it and then go for it!

                               That's what I am doing in a cheapskate fashion.

                           Have a Great Cheap Cheetah Day & Save that $$$

                                    https://coinqueensyardsale.ecrater.com/


Sunday, September 12, 2021

Insurance


                                                                    Hello Family

Today I am talking about the various insurance that we all need. No it will not be cheap but you can not put a price on a peace of mind.    https://anchor.fm/cheapcheetahmoneyshow

                                                Have A great Cheap Cheetah Day

                                             https://coinqueensyardsale.ecrater.com/

Tuesday, August 31, 2021

Almost Labor Day


                                                                 Hello Family..

It's almost Labor day. Well in 2 weeks it will be. Have you thought about what your plans will be? If your having a family BBQ/ If so then here are my cheapskate suggestions about what to do  for  your BBQ.

1. Find mangers  specials  in the meat department of your supermarket. I have seen some mangers specials tags on meat.  The  meat  was  still good but  it was  expiring soon that 's why they had the mangers specials tag on it. These specials are marked down at a good discount. I have  purchased lamb chops  for $3.00 a pack where they normally go for $7-8 dollars a pack. Same with turkey legs. If you can not find mark down meat go with chicken it's usually cheap, forget hamburger and steaks  to expensive. Hotdogs your might can find cheap if your not picky on the brand you buy.

2. Dollar Tree is your friend you can find your decorations, some basic food items like chips, cookies, cakes mixes, peanuts ,cups and plates that you might need for your BBQ.

3. Everybody loves Walmart they are not a cheap as they use to be. But they can come in handy when it comes to buying sodas or that big can of Lipton ice tea and fruit punch mix. Making your own ice tea and fruit bunch is much cheaper then buying it.

4. For music you can always set up a radio or your iPad, or if you know someone that is a part-time Dj ask them to hook you up with the music for a  small fee or a plate of food. Which ever works the best for the both of you

5. Entertainment for the kids you can buy balloons for a water fight, freebee,  a big plastic ball for dodgeball.  Set up a volley ball net  play volley ball. All these things can be found at your local dollar tree or family dollar store.

6. If your drinking alcoholic beverages have some of your company bring some. You can buy bottles of wine under $5 at your local wine store or some Walmart  stores carry wine and beer at a low cost. What about the booze you got for the holidays use that up and save your money. 

7. Dessert you can make cookies,  get fruit on sale and make a fruit salad dessert, ice pops, Tell the family to bring dessert as well.

8. Most importantly it's family and fun enjoy yourself but be wize about spending when you do it.

                                             Have A Great Cheap Cheetah Day

                                          https://coinqueensyardsale.ecrater.com/


 

Sunday, August 29, 2021

Money In The News


                                                                       Hello Family

Happy Sunday today on The Cheap Cheetah Money Show we are talking Money In The News. More like inflation and what we need to do with our money and inflation. Join me and let's talk money.

                                                   https://anchor.fm/cheapcheetahmoneyshow

                           Have A Great Cheap Cheetah Day & Save that Money!

                                                   https://coinqueensyardsale.ecrater.com/

Tuesday, August 24, 2021

Bermuda Grocery Store Prices

                                 
                                                                      Hello Family.

I always wanted to live in a place like Bermuda it seems like paradise but... Just like Hawaii everything is so expensive. I thought NY grocery prices were bad , but  Bermuda's food prices are crazy. Makes me appreciate  high  New York prices. So tell me are food prices where you live this expensive?  

                                         Have A Great Cheap Cheetah Day & Save that $$$$
                                                         https://coinqueensyardsale.ecrater.com/

Wednesday, August 18, 2021

$8.30 A Day

                                                                         Hello Family..

$8.30 cents a day makes $58 a week which makes $3016 for the year. I tell you this because that is my goal for 2022. To make $8.30 cents a day so that  I can have $3016.00 for 2022 This money I would use for spending money on the two cruised that I plan to go on for my birthday next year.

That's the plan anyway. But have you ever tried to get $8.30 cents a day. I know you say do surveys tried that Most of the surveys I tried  I am not accepted or I wait to long and they have already closed. Maybe it's just me but spending 30 minutes for $1-3 dollar surveys are not that attractive to me.

I sell stuff on line but right now people are being very selectively of what they buy and the price they buy it for.  I see people more likely spending less then $10 for an item. So selling on line which I do is a hit or miss game for me.

Yes I mystery shop but they are far and few between to. Also the price they pay you to shop has gone down a lot I use to get $10 for phone calls now I am lucky if I get $7. I use to get $15 for bank shops now it's like $12. Let's not count the time and gas you need to get to these places. I am lucky if I make $5 on a shop after expenses.

All I am saying is making $8.30 cents a day ain't easy. But if you have a goal in mind and you have determination it could be done. Set your goals, don't let anything stop you, think outside of the box and  get moving.


                                 Have A Great Cheap Cheetah Day & Save that $$$ 

                                          https://coinqueensyardsale.ecrater.com/

 

 
 

Sunday, August 15, 2021

Bags To Go Funds Versus Money Funds

                                                                      Hello Family

Happy Sunday! Today I am talking to you about Bags To Go funds Versus Emergency Funds. There is a difference. Let's talk about it and other Money Saving, Making & Having Fun ideas Today.

                                                  https://anchor.fm/cheapcheetahmoneyshow

                                    Have A Great Cheap Cheetah Day & Save that Money!

                                                          https://coinqueensyardsale.ecrater.com/

            

Friday, August 13, 2021

I Need to Quit You


                                                                       Hello Family..

Am I the only one with this problem. When the Jackpots on mega Million and Powerball reach  227 million and 275 million I am running to the lottery place to purchase $10 dollars worth of tickets. I can not tell you how much I spend in a month playing lottery games. I have  fantasies in my head if I just hit it big one time I am out! I know being a cheapskate this is not good. But I say if I spend $20 a month for entertainment  and this is it I am still ahead of the game right?

 I  am a savaholic and yes I do save money but at what point can you spend money for enjoyment. Life is about saving and experiences to. I am finding this out  more  since I have  gotten older and  my friends and family are passing away to soon in life. What good is saving money if you can not enjoy it while your living?

Don't get me wrong I am a cheapskate for life but sometimes life is meant to be enjoyed. So save the money, have the emergency funds but enjoy some of that money you have worked so hard to save. Life is to short not to have enjoyment.

                                                      Have a great Cheap Cheetah Day

                                                                https://coinqueensyardsale.ecrater.com/

Monday, August 9, 2021

Did You See This ?


                                                                        Hello Family

Have you seen this. This is why I try and make my own coffee at home and take it with me when I have to go somewhere. Besides the price most of the take-out coffee is not to tasty. So how was your weekend. Save any money?

                                                 Have a Great Cheap Cheetah Day

                                             https://coinqueensyardsale.ecrater.com/

Sunday, August 1, 2021

Being Resourceful


                                                                       Hello Family

Happy Aug 1th today I am talking about ways to be resourceful and save money. Also  we are talking about life is not all about money. Yes I did say that and you know I am a cheapskate. Listen and I will tell you why I say that https://anchor.fm/cheapcheetahmoneyshow

Your suggestion on topics regarding Saving, Making & Having Fun with money are always welcomed  Also let's not forget that it's Aug 1th  and the challenges of saving $2 a day or no spend challenge continues for some and starts for others.

                                 Have a great Cheap Cheetah Day & Save that $$$

                                                 https://coinqueensyardsale.ecrater.com/

Wednesday, July 28, 2021

Vacation


                                                                      Hello Family..

Just back from a mini-vacation visiting family. My spending was out of control. I spent more with family then I would have gambling in Atlantic City. That's all I am saying.

                                               Have a Great Cheap Cheetah Day

                                            https://coinqueensyardsale.ecrater.com/

Sunday, July 18, 2021

Singles!!


                                                                      Hello Family..

 Are you single? Are you a frugal/cheapskate? Can you be both? Let's talk about it on The Cheap Cheetah Money Show https://anchor.fm/cheapcheetahmoneyshow

                                    Have a Great Cheap Cheetah Day & Save That $$$

                                              https://coinqueensyardsale.ecrater.com/

                                    

                                       


Sunday, July 11, 2021

I Love this


                                                                          Hello Family

                      I had to share this. I love this so much because it speaks the truth. Not just with Nike stock but any stock  like look if you would have purchased amazon back in the day. What about  a computer game company like PlayStation, Nintendo etc. I love this. So what do you think?

                                         Have a great Cheap Cheetah Day & Save that $$$

                                                   https://coinqueensyardsale.ecrater.com/

Sunday, July 4, 2021

Vacation Snacks


                                                                        Hello Family..

 Happy 4th of July! Today I am taking about ways to save money on food  when  you travel. Join me and let's talk Saving, Making & Having Fun with Money Together

                                          https://anchor.fm/cheapcheetahmoneyshow

                                     Have A Great Cheap Cheetah Day & Save that $$$

                                         https://coinqueensyardsale.ecrater.com/


                                                                 


Saturday, July 3, 2021

Happy 4th


                                                             Happy July 4th Family

This is not the day to talk money It's the day to enjoy friend, family and eat a lot of hot dogs and burgers.

                                 Have A Great Cheap Cheetah Day &  Save That $$$

                                        https://coinqueensyardsale.ecrater.com/

 

Sunday, June 27, 2021

Happy Sunday Family!

                                                                 Hello Family..

                               Just wanted to give you a little Sunday Motivation Today..

                           Have A Great Cheap Cheetah Day & Save that $$$

                                     https://coinqueensyardsale.ecrater.com/

Sunday, June 20, 2021

Talking About Influencers


                                                                       Hello Family..

Happy Fathers Day. I am talking about influences not on social media but the ones that you meet in person. I am reviewing the Movie The Jones and talking about the way  people can  influence people. What to look out for and how to be you. Walk your own path. Join me today  On The Cheap Cheetah Money Show

                       

                                       https://anchor.fm/cheapcheetahmoneyshow

                                          

Also if  you have a money topic that you would like for me to discuss on future cheap cheetah episodes Contact me I would love to hear from you.

                                    Have a Great Cheap Cheetah Day & Save that $$$$

                                            https://coinqueensyardsale.ecrater.com/

Tuesday, June 15, 2021

Tuesday Funny



                                                                       Hello Family..

Just wanted to give you a Tuesday Funny. Also show you the sign of the times. I use to go to the longest yard sale which starts in Alabama and ends in Ohio. You go through Tennessee which is a pretty long state and Kentucky. You had  miles of people selling all kinds of stuff. I loved it. When I went I ate good ( southern food) and the prices were right 25 -50cents, 1-5 dollars, free sometimes.

Now sign of the times last year  2020  prices for hotel stays  in the area's were $1200 or more for 3 nights. Last time I went I paid $325 for 3 night stay. The merchandise that people were selling in 2020  was 3 times the normal price. And with the virus people did not come last year like they did the pervious years. I saying this to you to say. Enjoy  the things your doing  or are  going to do while they last. Because things can change in a blink of an eye. 

                                        Have A Great Cheap Cheetah Day & Save that $$$

                                                       https://coinqueensyardsale.ecrater.com/