Payday Loans

September 2006 Monthly Archive

I generally don’t mention online savings that require a minimum balance, but E-Loan’s Online Savings of 5.50% APY is a pretty hot deal. For people with more than $5,000, this account easily beats out any other current high-yield online savings offerings.

One caveat: You’re not allow to ACH pull from outside sources. So the only way to withdrawal your funds are via E-Loan’s site.

As I was reading the Click Fraud story from Business Week, I got rather pissed off when I read the nonchalant responses from the people that participated in click fraud scheme. It’s as if they have no issue with stealing money from other people.

Click to Continue Reading…

$40 at local retailers (if you can find it). Also available online for around $100 (currently).

Crazy hype and marketing or really kick-ass toy? Do kids really have fun with these Elmo? Because forty bones sure is a lot of moola…

You can vote on the top left of the blog.

Poll Result:

Looks like crap, Big Bird!

Related Post:

Uh, does anyone here still use eBay? Especially to buy something?

I can’t recall the last time I bought something on eBay.

Couple of reasons:

  • Too many items from too many different sellers to sort through
  • Blatant & annoying fee avoidance – $49.95 to ship a 3 ounce memory card
  • Feedback + rating system still a joke
  • No warranty or support from select sellers
  • Prices no longer as competitive to offset negatives

Back in the days, whenever someone ask me if I know of a cheap place online to get something, I would tell them to search eBay first. Now, I just point them to various price comparison search engines or specific online forums for used goods.

Kept forgetting to mention these two noteworthy blogs that some people may be interested in:

Every time I get a service person with a stick up their you-know-what, I would do my best to remain neutral — not because I’m a masochist that enjoys getting push around by a stranger over the phone, but more so because two angry people on the phone will not be accomplishing much.

I recently had to deal with an incredibly rude customer service rep at one particular credit card company. Two minutes into the call and I was receiving attitude, sly remarks, signs of irritation — the works.

Usually at this point I would just end the call and try another rep, but this person was being enough of a jerk that I wanted to reach through the phone and strangle his throat. So instead of doing the impossible, I said:

“Hey listen buddy, I’m not sure what I did to offend you, but you’re being a hardcore jack ass and it’s totally uncalled for.”

The CSR paused for a few second — perhaps a bit surprised that my insult ability was that of a 12 year-old — and then he apologized to me. Sincerely too.

Apparently he had some major family problems at home, and he brought the problems to work with him on that day. Unprofessional? Definitely. But customer service are people after all, they’re not perfect, and you’re probably well aware of the mistakes they can make.

I’m not trying to make excuse for the guy, I didn’t appreciate his attitude, it’s pretty stupid to treat a stranger that way, and it’s even more stupid to do it at work — but as mentioned, they’re people like you and me.

You’ll recall from above that when I encounter an unfriendly CSR, I will do my best to remain neutral so I can have a better chance at resolving the problem — but the real reason (and the point of this post) is because at the end, customer service reps are people too, and they deserve a certain level of respect, regardless of how they treat you initially.

Let’s face it, common courtesy goes a long way, and I’ve found that it’ll travel both way if you give it a chance. Of course, if after your attempts at being civil failed and they still don’t treat you like a human being in return; then by all means, tell them to go to hell.

From Smart Money.  Good stuff.

Stop Buying Crap #9 | #10 | #11 | #12 | #13 | #14 | #15 | #16 | #17 | #18 | #19

Your regular household pets

Annoying Little Dogs That Cost More Than Your Mortgage Payment

A reader’s email:

I thought of another crap shoot that so many people have bought into. Small, expensive, annoying dogs! What is the point of buying a $500 (or more) dog that doesn’t do anything but sit in your Louis Vuitton bag?? Thought you may be able to use your gift to shed some light on the subject. Thanks!

Done and done.

Nothing beats fulfilling the request of one reader at the risk of alienating the rest of my readers. My fellow pet hater, Free Money Finance should enjoy this post (hah just kidding, FMF doesn’t hate pets).

To be honest, I have no real quarrels with pets — the problem I have are with potential pet owners who purchase a pet for wrong reasons. They can be buying it as a little-thought gift for a lover, child, etc.; or they may have bought it because of some short-term need for companionship. There are many more wrong reasons, but I will spare you with them as thinking about them makes my blood boil.

There are a few things many people should think about before they acquire a pet. They should realize that pets are living beings, with certain specific needs and wants. Pets are not your expensive iPods, or your brand new Porsche that can be traded-in, thrown away, or upgraded when they no longer interest you (or your child).

The cost of ownership of a pet can be surprisingly high in the long term, especially if you don’t prioritize your spending. Ever have a cousin, sister, brother, or mother-in-law that spends more on their pet than their monthly car payment?

Finally, pet ownership requires real commitment and responsibility. This is a purchase that needs to be considered carefully, both in the financial and moral aspect. If your pet becomes ill, how much are you willing to spend to save its life? What happens if you neglect to spay your cat, and suddenly find yourself with a litters of kittens?

Pets are hardly crap, but if you’re buying them as a spur of the moment “please forgive me and come back to me” gift to your ex-girlfriend, please tell me where you live so I can go kick your ass (or if you’re bigger than me, lecture you from afar).

Uh, Free Book!

Looks like anything can be a bestseller these days --- kidding!

Win a free copy of the New York Times Bestseller Marley & Me! Why? Because it’s entirely appropriate to give away a book on the joy of pet ownership in a blog post that tells you not to buy pets.

All you have to do is leave a comment on why pet ownership was worth the financial cost to you. If you’ve never owned a pet you can also try lying — although you should know how Santa feels about that.

Winner will be chosen randomly. Limit one entry per person and household address. Be sure to include an email address while leaving a comment. Ends 7/29/06.

Related Link:

  • Pets & Finances – Post dealing with pets & finances, from Free Money Finance

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