My 401k’s slowly making it’s climb, with just a small +0.18 in unit price today. It started out pretty good, but it does seem to have slowed down at a lot lower price than before the slump. I’m relieved to see that it’s progressing. I kind of wish it had held off until after the company had contributed their match. That would have been a significant increase on my match. I guess this is where dollar cost averaging is really going to pay off for me in the long run.
Did anyone not have the same kind of lackluster return to a pre-subprime-lending-crash state?
Many of my readers already know that while I’ve already started my savings plan and enrolled in the company’s 401k, I do have some outstanding debt that I’m in the process of eliminating.
One of the first credit cards I got when I was trying to repair my credit was a CapitalOne card. It cost a bunch for the setup fee and the yearly fee was terrible (about $170-$200 combined), but I had to do something to get things turned around and headed in the right direction…no one else was giving me a credit card, and this was an unsecured card, so I took it.
I’ve maintained that account and watched my credit score climb. They were satisfied with me as a customer and have since offered me two more cards (Platinum Plus Preferred) with a 0% introductory rate and lower annual fees.
I took them up on both offers. That left me with three CapitalOne cards. It’s a hassle to manage all of those accounts and also pay for the annual fees, so I decided to do something about it.
After the success with lowering my interest rate on one of the cards, I thought maybe they could offer something as far as merging the accounts. I called and they were very accomodating. I combined the two lower credit limit cards into one and waited for that process to complete.
Today, I called to combine the remaining two. Those two calls took less than 20 minutes combined and saved me $90 this year. Yes, I’m really happy about it.
I found a great all in one article on CNNMoney.com today. It’s not a site I regularly frequent, but this article is definitely top notch. It covers “10 simple strategies for finally achieving your financial goals“.
It takes a deeper look into saving more money, investing smarter, getting out of debt, getting your career kick-started, and more.
It’s actually a collection of 10 articles, and will take some time to get through all of them, but it’s time well spent.
Oh boy. Here we go. I took a trip to Baton Rouge, LA over Christmas weekend. My Speedpass was stolen and I didn’t realize it until this morning. Yes, that’s been a long time, but my regular ExxonMobil stations have switched to Texaco and Chevron, so I haven’t needed it. I noticed a charge at an exxonmobil yesterday that showed FL and I haven’t been to FL in a couple of years, but sometimes merchant accounts will report a corporate address or something like that, so I kind of questioned it, however no big alarm went off in my head. $20 so it looked like a fill up. I thought : “My wife used the car in a different part of town on the day the charge was taken, so maybe she filled it up.” Today, I see two more. Another city in Florida and one in Mississippi. Now I know something’s amiss. I noticed they’re all at ExxonMobil’s and checked my keychain. Sure enough, it’s missing and I’m short $64. I called ExxonMobil and they’re cancelling and re-issuing new SpeedPasses and referred me to my bank. I called Wells Fargo and they’ve filed a fraud claim. I have to fill out some paper work, get it back to them, and jump through those hoops. I dug back a little further to see when the last time I used my speedpass was, because Wells Fargo asked me, and I noticed another fraudulent use of the Speed Pass. This time it was the day I left Baton Rouge (I didn’t get gas the whole time I was in Baton Rouge) and it said this charge was in Baton Rouge. I called Wells Fargo back and told them about it and asked if it could be put on the same fraud claim. I was told “not usually”. It takes Claims 24 hours to get it. They were nice and said that since this charge was so small ($11.75) that they would simply credit it back to my account and reference the already open claim. I know Wells Fargo is extremely conservative and has high fees, but quite frankly when I deal with them, they’re great.
I’ll let everyone know how the claim continues. Speedpass told me to call them back if Wells Fargo is unable to resolve the unauthorized use claim.