Bank coupon

after much waiting, Chase is back with their coupon!

This coupon is available on their website. As much as I hate all banks, gotta love free money.

November 26, 2010

Black Friday.

2 words meant to accelerate your heart rate and pulse, making people do crazy things like wake up, get dressed, and stand in long lines for hours in the dark clutching a wrinkled ad with a crazy glint of determination in their eyes.

If a person were to really think about it, the whole day is crazy and goes against human nature. After all, when finished with a large meal a human being is usually tired and wants to sleep for long periods of time (think polar bears).  But not in this society.

I am ashamed to admit I did not fully resist the sales of the day.  In an effort to control the urge to run out and buy diamond earrings at 4 a.m., I called my mother and took her to lunch. I presented her with a $50 Nordstrom Rack coupon (obtained for $25 online).  Then she suggested we go to this place and my resolve cracked (a resolve that was shaky due to seductive emails from Amazon with insane discounts on dvds). 

This very afternoon I have to go back to Nordstrom Rack and return some of these items because I don't need them (unless I plan to show up to work in a cotton jersey dress that is too loose around the top) and because it's crazy I even bought this stuff. Though I did need seasons 1 and 2 of It's Always Sunny in Philadelphia ($10.47 on Amazon) for mental health reasons because when I'm feeling down this show always cheers me up.

At least I didn't get the diamond earrings.

Though little Max has no idea I spent the funds earmarked for unmanning him and runs innocently around (testicles intact and testorone running high for now).

Lesson learned? To leave my wallet at home and have less than half a gallon of gas in my tank at all times.

Mad Max Monday

While we're all hard at work (or finding it hard to be at work), Max is sleeping like only the cute and insane sleep.

TGI BLACK FRIDAY

Top 5 favorite holiday gift ideas under $50

1. Belle Hop Travel Door Alarm

It's a great gift for anyone you know living alone or for anyone concerned about safety in general. It hangs on your doorknob with the sensor between the door and doorframe. If anyone opens the door (like a serial killer) it will immediately sound. You can also use this nifty little door alarm for hotel rooms and dorm rooms. When I saw this at The Container Store I immediately snatched it up (my fear of serial killers has led to a ban on Criminal Minds).  

2.  Itunes Gift Card

Yes you were expecting a suggestion that was a tad more personal for someone.  Well Apple is everywhere.  An itunes gift card enables someone to buy anything from songs, books, audio books, movies, tv shows, etc. What's not to love?  If the person you gift this to is far away, well you can just email them the gift card and ensure they not only receive it but save an additional 44 cents in postage. 

3.  12 Volt Jump-Start and Power Supply

Jumper cables belong with the cassette tape era. You charge it once for 24 hours and voila! You are set to go. You can not only jump start your car with a simple push of a button (the one in the photo is similar to mine and lets you know when it needs to be charged again) but you can also use the adapter to provide light (has a built in flashlight) and use as a small generator for your computer, cell phone, etc. when the power is out. If you don't use it that often (I've used mine once in the last 2 years) just charge it once every 3 months. Less than $50 and basically all around awesome.

4.  Digital Photo Frame

Your loved one can look at your smiling mug all day long. This Friday I know Target is going to have a digital photo frame on sale for less than $25 and I plan to buy it, load with only pictures of myself and give to my mother. She can't escape me!  Very thoughtful if you load it before you gift it with special photos. 

5.  Mini Camcorder

Cheaper than the Flip, some companies like Coby and Kodak offer mini camcorders as an alternative to the bigger camcorders, which offer great video recording and are easy to download onto your computer (have usb). This would be great for a teenager who doesn't necessarily have a cell phone with a video camera (I'm sure they exist out there. I wouldn't give a teen a car much less a $400 cell phone) or for you wanting something a bit more easy to use and with a zoom function to record your memories. 

Pooch Wednesday!

Financial Mistakes

Financial mistakes I've made this past month that I am correcting:

1. Bought expensive dog harness that I am now going to return. After all, there's nothing wrong with Poochi's current harness except being old. The $30 could be applied somewhere else (like an existing credit card balance. I battle spending impulses often.

(offensive expensive harness)

2. Bought many packs of bottled Fiji water thinking "I can't possibly drink Zephyrills!" This reasoning changed after 1 fitness boot camp session where I drank an entire bottle of Fiji water, remained thirsty and bought a store brand bottled water sold at boot camp. I wouldn't have cared if it was from a rusty tap at that point.

Goodbye many bottles of water, hello environmental & fiscal conservation!

 

(water bottle courtesy of boot camp)

3. Bought books from the itunes bookstore. Now I just read them at the bookstore without purchasing. If you're wondering why I don't go to the public library it is because when my car was stolen 9 years ago I had library books in the trunk and the public library refused to absolve the costs (though I was a victim of a crime and had a police report itemizing these books!). I refuse to pay these fines as I see it as a matter of principle. If my public high school was willing to absolve the cost of an expensive video camera (don't leave anything in your car folks) then why can't the public library?!

4. Bought too many lunches instead of packing it from home. Goodbye $4.51 a slice pumpkin cheesecake.

(I know it looks good and tastes even better) 

My biggest obstacle was making lunch in the mornings, till I got the idea to make it in bulk on the weekend and just have the sandwiches waiting to be grabbed in the fridge before the work week begins. So this week I have 3 roast chicken and provolone cheese sandwiches waiting to be eaten. Why roast chicken? My boot camp instructor insists this is healthier than deli meat. No picture of the sandwiches because it doesn't look as great as the food porn above. Though its healthier!

Many of my mistakes are simple common sense errors yet I know many make the same mistakes. I heard water bottles are taking up the most space in landfills these days. And as for the cheesecake, well take a look at that photo! Only the blind can resist!

Mad Max Monday

Before:





After:





Just call him Mr. Polished

TGIF

Medication Costs

Rising healthcare costs are a problem people are facing everywhere, especially for medications. Now many people shop online for some prescribed needed medication and receive it from India, Canada, etc. If you're not sure you should check for cheaper prices outside of the U.S. because you've heard horror stories about people receiving the wrong medication or fake medication, you should check out pharmacychecker.com. It is completely legitimate and only features real pharmacies and products. You just enter in the name of your medication and it will give you a list of online pharmacies offering what you're looking for as well as the prices for each site. You can also check out pharmacyreviewer.com to double check the online pharmacy in question.

Another option I strongly suggest and utilize myself for medications that are not available online and are ridiculously expensive is to go to the actual pharmaceutical company's website and look for coupons.  For example, I have ADD and take Vyvanse a new product that I can't buy online yet need to take daily (believe me I need this). I'm lucky enough to have an individual health plan paid for by my employer but before I meet my $250 prescription drug deductible Vyvanse is $149 a month. Yet last month I was able to find a coupon on Shire's website which offered a free month's supply. I printed it, took it to CVS and voila! free drugs for me.  This month I checked again and while there isn't another free month's supply, there is a $50 coupon! 

Now I'm set for this month. However, in 2 months I am going back to school and do not have a healthcare plan or a job. So when looking on Shire's website I also noticed they have an assistance program for this particular drug for people making less than $25,000 a year.  Since I'll be in school and working part time I plan to apply in order to continue being able to take my important medication and not have to struggle to pay for it.

So go ahead, surf the web and check the pharmaceutical company who created the drug first to see what they offer. I think the reason Shire has all the coupons for this particular drug is because there isn't a generic version for this drug yet, they want people to take it (since it lasts for 14 hours) and they're aware it's pricey. If not check out pharmacychecker.com and pharmacyreviewer.com and see if you can get your drugs outsourced! 

Capital One interest rate reduction attempt

My interest rates on some of my credit cards are ridiculously high. So I periodically log on to myfico.com, search for the backdoor numbers and make the calls.

Now my Capital One credit card used to have a 12% APR. Which was great. Then December last year trying to take advantage of my benefits, I utilized my payment protector plan since I had moved that month. The payment protector plan paid my minimum payment for December. Then early January I called and attempted to cancel my payment protector plan (under the reasoning that if I was unemployed and broke, my credit card bills would be the least of my problems). I did not cancel since the representative convinced me I could use payment protector again that month to make my minimum payment since it was a new year then cancel with no repercussions. Ok, great. I utilized it.

So what happened? Obviously this story has a point and it is not to let you know I moved. Well the payment protector service made my payment but also charged me their monthly fee and then Capital One charged me an overlimit balance.

Voila! Goodbye 12% APR, hello high interest rate.

I didn't notice any of this because I was a fool who didn't look at any statements or charges (though I have always and remain great at moving).

So I called Capital One (via backdoor number where representatives are supposed to be nicer and able to make executive positive account decisions), explained the situation and asked for an APR reduction. After all, 23.99% is way over the WSJ prime rate and I have been making timely payments for over 3 years.

No luck. So I kept calling (I had 5 backdoor numbers for Capital One) and explaining each time that I would appreciate an APR reduction since I have been making regular payments steadily, the payment protector situation and how in these tough economic times they should appreciate the paying customers they have left since debt settlement companies are slowly but surely invading the deep in debt, minimum payment making population. Well it turns out that my new high APR increase was not due to the payment protector plan but because Capital One had changed the terms of my agreement (an agreement I did not receive), they would merely review my account later and to "keep doing what you're doing!"


When I'd say I've been doing what I'm doing for over 48 months and that nothing has ever happened, much less a positive account review, that I had not received this agreement at all and would appreciate some customer appreciation, I'd get "I'm sorry ma'am. That's all I could say. Keep doing what you're doing!" Awesome. That's great customer service Capital One. Keep it up.  From my POV, doing what I'm doing has lead to nothing with them.

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Then the last representative I spoke to was hysterical. Here's a rough transcript of the conversation:

Rep: I understand and I'm sorry. I have credit cards too.

Me: Please don't apologize. If I didn't receive the change in agreement terms, have been a 3 year customer in good standing, then why isn't an APR reduction possible?

Rep: Capital One reviews the accounts regularly. Keep doing what you're doing.

Me testy after an hour of basically begging for customer appreciation in some visible form: Well I've been doing what I'm doing for over 3 years and I don't think an APR reduction would hurt in keeping customer moral up. After all, there are many people who stop making their payments, settle their balance for half of what it originally was and the ones who get screwed are the people who actually continue doing the right thing by making monthly payments. What's the incentive here to continue paying each month?

Rep: Well that's not true ma'am. People do not settle for half ever.

Me: They do actually.  All the time.  One of my best friends did it.  She owed $4,500 and only paid $2,000.

Rep: Well I don't know about that. It isn't the right thing to do.  You have a moral obligation to do this. 

Me thinking about how I signed up for this credit card for a free pita. I should have just paid the $6 for the stupid pita.

Me: I don't see where the moral obligation is exactly.  How do these accounts get reviewed regularly if I've been a customer for a while and have yet to have my account reviewed?

Rep:  Well ma'am your balance is high.

Me: Right and I'd be able to lower my balance quickly if I had a lower interest rate which you're telling me is not a possibility at the time or apparently within the last year. Let me ask you a question.  If I stopped making my payments, what would happen? I don't own anything, my car is leased and I'm broke.  There's no one you could even go after for the money.  And each time a debt settlement company calls me, I'm seriously tempted.  All I am asking for is a little understanding.

Rep: You don't have to be rude ma'am.

Me: How exactly am I being rude? I am making factual statements and you are telling me that I have a moral obligation to continue making these payments which I don't understand.

Rep: It's not right.

basically the end of the call.
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Though I did not get an APR reduction this month I still recommend calling and asking anyway.  You don't know until you try.

I was able to reduce my Citi Card APR by over 10% because their customer service is basically better than Capital One.

As for Capital One, well in a few months I may just go the debt settlement route and hope the last rep I spoke to gets to read my settlement amount.

November 12