Archive for the ‘Uncategorized’ Category
Tuesday, May 5th, 2009 |
We’re done! My wife and I set out on a mission to give 10% of our generous gift to various family and friends in need. Do you know how hard it is to give money away to people not only in need but deserving?
We figure, we could have blown the money on dumb stuff ourselves so we wouldn’t give it to friends and family members who had no business with a lump sum of money. So we had to quietly (since no one knew we even inherited the money) weed out qualifying targets.
We gave the money on 2 conditions:
- They don’t tell anyone we gave it to them
- They help someone else out in the future.
There were tons of people that needed the money but we were skeptical as to if they’d actually be responsible with it. Some we KNEW wouldn’t be, so we paid bills off for them. Others we gave straight cash to because they had no choice but to be responsible with it. You know the types that have plenty of mouths to feed or young ones depending on them and just need a small “push”. Some just bought a house and since they were first time home owners, didn’t expect bills to mount so quickly and the utilities to be so expensive.
I must say, the feeling it gives you to be able to help someone is AWESOME! We all talk about what we’d do for each other if we ran across some money. The wife and I, actually followed through with it. What’s amazing about it is we all fantasize about the million $ lotteries, all the while, we were able to make a difference in a lot of people lives with only $4,000.
The reaction from people was various. It’s amazing how many people quickly turn to God to thank you for their blessings. Some started tearing up. One confessed that we’d changed his life (beyond comprehension) since he was dealing with some personal issues and he’d let me know when it all got sorted out (still waiting).
Truthfully, after having the money for about 6 months, it started to feel like a curse. It started feeling like, “we had good intentions”, and would just pocket the rest. We were constantly trying to identify people to give the remaining $1000 to. It got to the point we were like Will Smith in seven pounds where we were trying to see if people had a bad side to them before we sacrifice the money to them.
I actually, ran across one person (who shall remain nameless) that kept ignoring me over the Internet when I asked him a questions about how much things were going to cost to get him out of a rut. Only after I’d already given the remaining $536 away would he respond with “what did I want again”. His loss.
All in all, I’m happy to even have the had opportunity to bless people. Giving should be something that we all practice. I’m even leaning towards a new idea that instead of going Xmas shopping for the kids this year, we take that money to do a sort of Secret Santa type deal during the holidays. That’s only in thought at the moment, because right now, we’re in the brunt of the recession just like everyone else.
Maybe I’ll compromise my thoughts and get them all one gift a piece and plant a bigger seed in their heads with the gift of giving.
So what would I do differently if the opportunity presented itself again? Not a damn thing. The experience was awesome and right up there with the births of my children or swimming with the dolphins in Nassau.
Posted in Inspirational, Uncategorized, success | 2 Comments »
Monday, May 4th, 2009 |
I just hit another milestone on RDL. People ask me why do I have ads and what’s the point of doing this “little stupid website”.
Well for the most part, I do it to help others realistically look at their financial situation and understand that it can be overcome. As a by product of that, I also use it as a resource for additional income.
During RDL’s inception, I was pumping out articles at a pretty frequent rate (not frequent enough) considering my schedule. That turned into more visitors. Then when my schedule got really hectic, I had to take a small hiatus.
To put it all in a numbers or payout perspective… I run google adsense within my site and get paid per click. This niche (financial freedom) is a pretty good niche to be in for paid per click ads. Some ads getting clicked can produce $4 or more per click. To put it into perspective, some ads on my other websites can produce only $.03. When google pays out it only pays out in $100 increments (no matter how frequent). Some site make $100-$1000/day. I only hope to be there one day
So basically within 2 months of launching this site along with kcpcrepair.com, I was able to get my first $100 check from google. After that, it’s been a long steady climb to receive my second $100 check. Today, I finally reached that plateau. It’s taken 6+ months for me to get there, but I’m as excited as all get out.
Hopefully, I can keep producing quality content which’ll keep you guys interested and in turn get more other’s interested. Cause (let’s be honest), this isn’t fun if I’m talking to myself.
So congratulations to me for getting my second $100 pay day from google and here’s to many more.
Thank you guys very much for supporting the site. Keep up the good work.
Posted in Uncategorized | No Comments »
Saturday, May 2nd, 2009 |
By MP Dunleavey
So you’re having trouble saving money. Welcome to the club!
In the best of times, saving money is tough, and these are not the best of times.
In fact, sometimes it can seem as if the universe is conspiring against you.
“How is it that the minute you have a spare $25 to save, there’s a mysterious $25 expense?” asks Angela Bauer, a longtime Women in Red member.
That’s exactly the phenomenon I’m struggling with as I try to reach my $15,000 savings goal.
Luckily, say Bauer and several psychologists and economists I interviewed, when it comes to saving, money is almost the last thing you need to worry about.
It’s not the money
“What all the economics research suggests is that you don’t have to find more money to save — you need to be very intentional with the money you have,” says Bauer, who is a founder of the Women in Red Savers and has watched hundreds of women become successful savers. (See “How to save $200,000 in six months.”)
Socking away money is tricky, experts believe, for the same reason that diets often fail. The brain resists sacrificing immediate pleasures (eating, spending) for abstract, far-off goals, such as looking cute in a swimsuit or having money in the bank for a rainy day.
According to Princeton psychology professor Eldar Shafir, one obstacle is that the choices we make in one context become more or less appealing when circumstances shift. It’s like going to the grocery store when you’re hungry, Shafir says. “You promise yourself beforehand that you’ll only spend X, but if you shop when you’re hungry, you’re almost certain to spend more.”
To save successfully, you have to recognize that your choices are vulnerable to these unruly changes of heart. So don’t expect yourself to do the right thing; assume part of you is likely to fail. Then put your smarter self in charge.
For example: You depend on your practical side to put the alarm clock out of reach at night so that in the morning, your sleepy self can’t hit the snooze button. In the same way, when choosing to save money, rely on your most motivated self to make all the arrangements.
Embrace inertia
“It turns out that the most powerful force in our financial behavior isn’t knowledge — it’s inertia,” says Ray Boshara, the director of the asset-building program for the New America Foundation, a nonprofit public policy institute that develops savings programs nationwide.
Fortunately, much like gravity, fiscal inertia can be useful if you know how to handle it. The aim is to have to do as little as possible.
- Make it automatic. The best strategy: automatic transfers. “There’s no way we’d save without it,” Bauer says. One member of the Women in Red Savers automatically transfers a dollar a day from her checking account to her savings account. “It’s only seven dollars a week, and it doesn’t sound like much,” says Bauer. But without the automatic transfer of a single dollar each day, Bauer points out, she might not find that $30 a month.
- Move your money. Just moving funds from checking into savings seems to deter people from touching their own money. Putting the money into a certificate of deposit or money market account protects your stash even more. One woman even put her savings in a bank across town so she would be less likely to pass it each day. The point is, by understanding when and where you’re likely to fail, you can find clever ways to increase your chances of saving successfully.
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Enlist technology. Ask your employer whether it’s possible to have part of your paycheck funneled into a savings account, instead of direct-depositing the whole thing into checking. A growing number of companies offer this option — and so does the Internal Revenue Service, thanks to Form 8888 (.pdf file).
“The last thing you want,” Boshara says, “is to cash your refund check and expect yourself to save any of it.”
Posted in Uncategorized | No Comments »
Wednesday, April 29th, 2009 |
Yup.
This is one of those articles that should have no place in a financial freedom blog.
Let’s be honest. Who am I kdding?
There’s a reason I haven’t been one of those success stories I constantly read about. You know the one, (The typical Dave Ramsey caller just sending in their last mortgage payment and get to yell “I’M DEBT FREE!!!” with some idiot named Jimbo in the background). I Loathe to become “Jimbo”.
Or do I?
How is it I can hear the background so clearly in their household? And how did they pay off $120K in mortgage debt in five years while only bringing home $60K/year between them? I started thinking about the difference between me and them and quickly realized that the reason that their background is so quiet is because of the absense of kids.
Now, I’m probably an atypical parent that makes jokes about kids being worrisome or being around. Truth is, I’d be lost without them. I have a great nuclear family and couldn’t /wouldn’t ask for anything more out of what the wifey and I have made. Having said that, we currently have 4.7 to be exact (one due in July) so there has to be an end to this madness somewhere right?
RIGHT! On April 10th, 2009. I sat down on the Dr. Teitjan’s slab in Lee’s Summit, MO and did the unthinkable/most femenizing thing a man could do…
I GOT SNIPPED!
Not only did I get snipped. Teitjan had problems finding my left vas deferens and poked and prodded for 20 minutes too long causing post operative complications. It’s not his fault my vas defrens was retracted further than normal so I blame him for nothing. However that doesn’t stop the hemotoma I’ve now developed immediately afterwards because of the complications.
So as I’m typing this article almost 3 weeks to the day later, I have a hard lump the size of a egg in my scrotum. It’s not as bad as it sounds and Teitjan says it should go down after several weeks while the body slowly absorbs it.
Now enough about my castration. Back to Jimbo in the background. Jimbo is able to pay his mortgage down so quickly because he doesn’t have the pleasure of paying for $80/month gymnastic classes, $250 for softball registrations, $640-$1400/month in daycare (when the wife was working), $1000 Christmases, $80 every time a violin string gets severed. I stopped there but that doesn’t include the co-pays and extra money we have to pay for health care costs for the kids.
Sounds like I’m bitching about my predicament with the kids. Trust me, I’m not. I love my life and the challenges that present themselves. The kids keep the wife and I young, entertained, and constantly appreciative.
So while I’d love to have that paid off mortgage in the next five years, I’m going to have to cut back on my intensity towards my goal because our family is evolving at the moment. We’ll eventually get there, but I’ve come to understand that Rome wasn’t built in a day (we’re only 32) and sometimes it’s just not in the cards.
The reason I’m writing this is because even though I can get preachy/demanding towards my goal, I have to realize that my goal is to really be healthy and fit for my kids for as long as I can. I’ve always realized it and have never put the kids or my family second. I just felt I needed to say it loud in case some of you may have forgotten.
Having had this cum-bah-yah moment… we still need to get to work on our secondary goal on becoming debt free so having kids doesn’t let us off the hook.
Posted in Inspirational, Personal debt, Uncategorized, goals, relapses | 1 Comment »
Thursday, April 16th, 2009 |
By Jeff Schnepper
Refunds: They’re wrong!
It’s hard to get that through to my clients. But refunds are bad.
Sure, it’s exciting to get a check from the Internal Revenue Service. Well, actually, it’s from the Treasury, but you know what I mean. That misses the point, however.
It’s not like you’re gaining anything. That money was always yours. The feds are just giving it back. And that’s the point.
When you get a refund, what that really means is that you’ve given the federal government an interest-free loan. You’re just getting your money back.
In fiscal 2007, 105.9 million Americans received tax-refund checks averaging $2,324 — about the same as the IRS paid out the year before. Either way, when you do the math, that’s a whole lot of interest-free dollars.
An offer you can’t refuse?
People just don’t learn. They want that check from the government. But I can give you the same deal.
I hereby offer to allow anybody reading this to send me money. I’ll take cash, checks, money orders, even food stamps. Send me as much as you want. And I promise — on my word as MSN Money’s tax expert — that I’ll send it back to you on April 15, without interest.
It sounds silly when you put it that way, doesn’t it? But it’s no different than getting a tax refund from the IRS.
Some people argue that refunds are a great way to save money. If they never see the dollars in their checks, it’s easier to put aside money for, say, that big-screen plasma TV they’ve been drooling over.
Open your eyes, financial fool! That’s what payroll savings deductions are designed to do. Buy savings bonds or, better yet, increase your retirement-plan contributions. Or just put an extra $50 per paycheck into a money-market fund.
Here’s what I’ll do. I’ll up the ante on my original deal. Not only will I give you your money back, but I’ll add a whopping 2% to your original contribution. That’s twice what the money-market funds were paying not too long ago. You can’t beat that kind of deal.
Posted in Uncategorized | No Comments »
Wednesday, April 15th, 2009 |
Here’s what pisses me off about the American Dream. Excuse me while I politically rant but I have to get this out because it’s currently pissing me off at the moment.
HEALTH CARE!
Medical bills are the number one reason families file for bankruptcy.
Instead of doing something about it that helps the common man (i.e. democrats), the republican’s try to shoot nationalized healthcare down so it can keep big businesses pockets lined. So instead of (mostly) responsible families being rewarded for their hard work, they get the shaft by having to foot an enormous bill once a family member falls ill.
I understand that other countries have nationalized health care and I also understand that some of those countries have problems with their nationalized systems. But why should we have to pay $100 for a prescription to get filled when other people pay as little as $4 in other countries? This is, I’m only mentioning prescriptions. In Canada all necessary surgeries are free (free meaning you’re taxed more but don’t have to come out of savings or file bankruptcy later).
It’s time for a major overhaul of our healthcare system. The old system does not allow Americans to achieve the American Dream. It keeps American’s slaves to the the medical fraternity while prohibiting personal and social growth needed to revitalize the country.
If I want to take a chance and open a small business I’m immediately hit by a road block that keeps me in one sided employment contract that offers a healthcare plan. One sided meaning you can be let go for any reason but you’re more apt to stay there because of the health benefits.
I get it! We’ll get taxed more in order to provide a universal healthcare plan. So be it. We’re already getting taxed out the ass, why not tax an extra 3-5% out of my check to cover me and other U.S. citizens health care costs?
I’m willing to bet once the country as a whole stops filing bankruptcy on the inability to pay for rising healthcare costs, we’ll quickly see a prosperous America built on the ideas that anything is attainable.
As for me personally… this rant is brought on by the fact that I’m about to drop $3000+ out on medical bills (and that’s WITH insurance) at a time my wife is without work. We have an emergency stash but that’s beside the point! $3000 on medical bills that could be easily avoidable?
Hopefully Obama gets it and I think he will make the change needed.
Because of the new stimulus, we no longer have to pay $378 to Cobra /month for the wife and kids health insurance plans. Instead we get a 65% discount. Hopefully, Obama is going to do more to bring us to socialized medicine cause I’m sick and tired of being sick and tired of paying for medical help out of pocket WITH insurance.
Posted in Uncategorized | 1 Comment »
Friday, March 27th, 2009 |
Thinking you are a bad person for saying no is a symptom of “the disease to please.” “Saying yes when you need to say no causes burnout. Here’s how to do the right thing — for yourself and others — in 10 common scenarios where you know that opting out is your best option. Don’t feel guilty. Just take these tips from experts on etiquette and communication — and a cue from your favorite two-year-old — and say no.
Saying No for the Sake of Your Wallet
Request: A friend in need asks for a Trump-worthy loan.
What you should say: “I wish I could, but as a rule, I don’t lend money to friends.”
Why it works: It’s clear that you are not singling out this person as untrustworthy.
Why you shouldn’t feel guilty: Lending any amount of money can cause problems, says communications trainer Don Gabor. “It can change the nature of your relationship if the person doesn’t pay you back.”
How to avoid the situation in the future: Never lend money to friends and you won’t get a reputation as a walking, breathing ATM.
Request: A coworker wants you to chip in $25 for a gift for a colleague you wouldn’t recognize at the watercooler.
What you should say: “Oh, I’ve never really had a conversation with Sam. I think I’ll just wish him a happy birthday in person.”
Why it works: Chances are, the person taking donations has no idea how close you are (or are not) with the intended recipient. By clarifying the nature of your relationship — and emphasizing your intention to get to know the person better — you come across as thoughtful rather than cheap.
Why you shouldn’t feel guilty: “A gift isn’t a gift if it’s an obligation,” say etiquette writers Kim Izzo and Ceri Marsh.
How to avoid the situation in the future: If workplace gift giving is getting out of hand, take the lead in restoring sanity by circulating a card before someone can break out the gift-donation plate. Make sure others know you don’t expect anything on your birthday.
Request: Your third cousin asks to bring her boyfriend-of-the-month to your $150-a-plate wedding reception.
What you should say: “We’ve already had to make so many tough decisions to get the guest list down to size. We really can’t squeeze in/afford another guest. But I would love to have you two over for drinks sometime so I can meet him.”
Why it works: If you illuminate some of your behind-the-scenes planning, your cousin may get a clue about the inappropriateness of the request.
Why you shouldn’t feel guilty: It’s your party and your pocketbook, says author Patti Breitman.
How to avoid the situation in the future: Make a few calls before you put together the guest list to see if there are new additions you should consider as you plan.
Saying No for the Sake of Your Time
Request: You are offered a promotion that you don’t want. Even though it means more money, it demands more hours and more of what your boss calls responsibility and you call tedium.
What you should say: “I’m flattered that you want me, but for personal reasons I’m not in a situation where I can take this on. Perhaps in a year from now things will be different. Can we talk again if my circumstances change?”
Why it works: If you’re caught in this enviable dilemma, your boss will understand you have personal priorities that take precedence.
Why you shouldn’t feel guilty: By saying no to more time at the office, you’re saying yes to other things you cherish, be they long walks alone at sunset or evening time with your children.
How to avoid the situation in the future: “If a position opens up at your workplace, you could let it be known that you are not in the running,” Breitman suggests. Being forthright saves your manager the trouble of pursuing a candidate who isn’t interested.
Request: You are asked to coordinate the bake sale — again — at your child’s school.
What you should say: “I know I’m going to disappoint you, but I’ve decided not to volunteer this year, because I fear I’ll end up feeling resentful. Is there any way to get some of the other parents to step up?”
Why it works: Often people feel manipulated into doing something (”The ice cream social just won’t happen without your help!”). If you can address the problematic pattern of one person’s doing all the work, you sidestep the manipulation. And if you say no, it might force others (who never get asked) to say yes.
Why you shouldn’t feel guilty: “You’ve done your fair share, and now others can do this job,” says Robinson.
How to avoid the situation in the future: “Encourage school leaders to present the problem to all the parents,” says Robinson. “If people know an important program may fail, they’ll usually remedy the situation.”
Request: You’re invited to a distant relative’s annual Lobster Luau — for the 14th year in a row.
What you should say: “I’ve really had fun in the past, but I can’t make it this year. That week is already packed for me.”
Why it works: “You’ve explained it in a way that doesn’t sound like a personal rejection,” says Robinson. “And you’ve asked for understanding, based on your need to take stress out of your schedule. Everyone can identify with that.”
Why you shouldn’t feel guilty: You have only so much free time — and so much tolerance for flying lobster goo. “Don’t R.S.V.P. yes, then back out at the last minute or, worse, not show up at all,” say Izzo and Marsh. “That is the least decorous way of handling the invite.”
How to avoid the situation in the future: In a note, thank the relative for thinking of you and explain that because you tend to be busy at this time of year, he should feel free to take you off his invite list.
Request: Your boss asks you to supervise this season’s intern — last seen with her feet up on a desk, iPod on, Gameboy in hand.
What you should say: “Wow, that’s an interesting project. I’m really busy with the ABC assignment right now, so let me know if you want me to re-prioritize.”
Why it works: “Asking your boss to prioritize tasks for you means you don’t have to actually say the no word,” Breitman says. If she tells you to just squeeze the new task in, then do it. But keep a list of all the extra work you’ve done — for your next review.
Why you shouldn’t feel guilty: You really do have enough work to do as it is.
How to avoid the situation in the future: If extra tasks keep getting dumped on your desk, ask your boss for a meeting. Explain that the added assignments are making it hard to do your primary job properly. Ask if she wants to review your job description (and renegotiate your salary while she’s at it).
Saying No for the Sake of Your Sanity
Request: A friend asks to borrow your car (because hers is in the shop to repair the dent she got while driving, talking on her cell phone, and unwrapping her kid’s juice-box straw).
What you should say: “I don’t lend anything worth more than $1,000.” Try to avoid the old “I don’t have insurance for a non-family member” excuse — most insurance policies cover the car, not specific drivers. (If your friend got into an accident, it could make your premium go up, though.) If you have time, offer her a ride instead.
Why it works: “It puts the blame on you,” explains author Patti Breitman. “Just don’t indicate you don’t trust the friend.”
Why you shouldn’t feel guilty: “Your car is probably the first or second most valuable thing you own,” says Breitman. “You’re protecting a big financial asset.” Plus, if your friend were to get into an accident, your relationship might be totaled, too.
How to avoid the situation in the future: Let your friends know that while you’re typically a generous lender (”Of course you can borrow my snorkeling gear!”), your car is off-limits.
Request: A guest offers to bring her seven-layer dip to your party. It doesn’t really go with the Greek theme you have planned.
What you should say: “What a kind offer — thank you. I have already planned the menu, but do you have any dietary restrictions I should know about?” If she’s just asking to be nice and insists on bringing something, suggest a bottle of wine or a loaf of bread.
Why it works: By acknowledging the generosity of the offer, you let that person know she did all she could. Of course, if the person has dietary restrictions that make cooking difficult for you, relent and let her bring a dish she can eat.
Why you shouldn’t feel guilty: The person is most likely offering just to be courteous. By saying no, you give her license to relax and enjoy your hospitality.
How to avoid the situation in the future: When you invite people, ask if there is anything they don’t eat, because you want to make sure your menu works for everyone. Emphasize the word menu, so people know that you have a plan or a theme for the meal (and so they won’t try to upset it).
Request: Your future sister-in-law wants to throw you a shower, but you don’t want the fuss.
What you should say: “I really don’t want a party, but thank you so much for offering. Why don’t we splurge on a visit to a day spa instead?”
Why it works: “Not everyone likes a party in her honor or wants to be the center of attention with a paper plate of bows on her head,” say etiquette writers Kim Izzo and Ceri Marsh. Unless she has her own agenda, she should understand.
Why you shouldn’t feel guilty: “If you decline, you are taking away some pleasure from the people who care about you, but it is your occasion to shout about or be quiet about,” say Izzo and Marsh.
How to avoid the situation in the future: Announce what you would prefer to do instead of a shower before anyone offers to throw one.
Posted in Uncategorized | 1 Comment »
Thursday, March 26th, 2009 |
Even in the best of times, card companies are always looking for ways to make money off of us. With credit markets so unpredictable nowadays, they are not above using underhanded tricks and unsavory techniques in order to squeeze out every last dollar. Because of the increasing number of credit card defaults, banks are passing the losses off to their customers in the form of hidden charges, new rules, and outrageous fees. Knowing what kind of tricks to watch for can help ensure that your own wallet doesn’t get taken for a ride.
1. Unexpectedly Raising Your Interest Rate
According to most cards’ terms of service, the lender can raise your interest rate any time they want, especially if you have a high balance or your credit score drops. Credit card companies use information from all parts of your credit report to determine the rate they charge you, including your housing history and your records with other lenders. That means that if you get a few months behind on Card A, Card B will raise your interest rate, even if you’ve been paying them on time. Basically, they’re just looking for any excuse to charge you more money, and if you have even one delinquent account, all of your creditors can (and probably will) raise your interest rate.
2. Changing Your Payment’s Due Date
It’s hard to plan your monthly finances when your credit card payment is due on a different date each month and credit card companies count on this confusion. Sometimes it’s due the 4th, sometimes it’s as late as the 8th, and customers are stuck with a late fee every time their payment doesn’t make it on time, even if the due date falls on a weekend. And whether your payment is late by a few hours or a few weeks, the charge is the same. This tactic has become even more widespread now that more and more people use online banking and automatic payment services.
2. Lowering Your Credit Limit
Just because your card originally had a $5,000 limit doesn’t mean it always will and now more than ever, companies are re-evaluating how much credit they’re extending. Arbitrarily decreasing available credit doesn’t only affect your ability to make purchases, it can also negatively impact your credit score by making your cards appear to be maxed out. Credit companies have even been known to lower credit limits beneath a customer’s current balance, which triggers overdraft charges. Then once your credit score falls, they can raise your interest rate.
4. Selling You Fraud Protection
Think your bank is just looking out for you when it offers you its credit monitoring or fraud watch service? Think again. Credit card customers are never liable for more than $50 of any fraudulent transaction, so it’s okay to decline any additional coverage they might try to sell you. Fraud protection is part of every basic credit card agreement, and no matter how hard they try to scare you into buying it, it’s not worth paying an extra yearly fee for.
5. Cascading Fees
Credit card companies charge fees whenever a customer breaks the terms of service (like paying late or charging over the limit), but the rules are cleverly designed so that breaking just one sets off a cascade of other fees and penalties. Going over your account limit results in a penalty for every month you’re over, even if the bank lowered your limit in the first place. Or if you’ve racked up late payment fees, the card company may take the opportunity to raise your interest rate. As with many items on your credit card’s terms of service, breaking one rule can affect your account in multiple ways.
Whenever a card company changes its terms of service, they’re required to notify you in writing, so don’t throw away any mail from your credit card company without reading it. Those densely-written booklets packed with confusing credit jargon aren’t just junk; they’re the company’s way of informing you of the changes they’re making to your account. The best way you can protect yourself from sneaky tricks is to stay on top of your credit, because banks do their best to keep customers in the dark. Keep track of your interest rates and balances so that when changes happen, you’ll notice them right away.
If you see that your company is trying to pull a fast one on you, you can call customer service and voice your protest. They are often willing to negotiate with customers in good standing, so if you’re current on your account, politely ask them to refund the fee or reverse the change in terms, all the while reminding them of what a good customer you’ve been.
Posted in Uncategorized | No Comments »
