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New York City doesn’t publicize it in any way, but they offer a guaranteed reduction on parking ticket fines if you challenge the ticket in person, online, or via mail.[New York Times]
tips
EECB Convinces Best Buy To Pay For Damage To Car
By 11.20.08
Here’s a good example of how to write an effective Executive Email Carpet Bomb, or EECB, to break through the “please hold” purgatory of the company’s phone system. Alicia’s car’s bumper was scratched by a Best Buy employee, and calling consumer relations as directed proved fruitless. Now she’s got a check in her hands from Best Buy to pay for the repairs.
By 11.20.08
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If you have an account with Mint, and you’ve enabled mobile alerts, you can now text “Bal” or “Balance” to 696-468 (MyMint) and receive a summary of all of your accounts. [Mint]
By 11.18.08
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Are you so loaded that you exceed the FDIC’s guarantee limit for deposits? Consider the Certificate of Deposit Account Registry Service. Deposit the funds at one of 2,500 CDARS member banks and they’ll automatically spread your cash among other member banks as needed to stay within FDIC coverage limits. Kiplinger says, “You’ll earn one rate (set by the home bank) and get one statement and one form at tax time.” [Kiplinger]
Reader Talks Citibank Down To A Lower Interest Rate On Her Credit Card
By 11.17.08
Nicole was hit with a surprise 6 point interest rate increase on her Citicard, so she fought back. Her story is a good reminder that you should look at all of your options and be prepared to argue on your behalf, even if you’re not in a position where you can just pay off the entire balance and walk away.
Alert: You Cannot Buy Consumerist With Doodle Money
By 11.17.08
Our post last Friday gave people some great business ideas. We appreciate the offers, but we must insist that you do not try to purchase Consumerist with doodle currency that you have minted yourself, probably while drinking. You can, however, try to bail out the auto industry with it if you want.
Alert: You Cannot Send A Drawing Of A Spider As Payment
By 11.14.08
David didn’t have the money to pay his account (for some mystery service—we don’t know what), so he decided to see if they’d accept a drawing instead. Turns out they won’t. The email exchange that follows is hilarious, and much more entertaining for both parties than the old put-the-wrong-check-in-the-envelope trick.
Never Get Locked Out Your Car: Drill Hole Through Key, Screw To License Plate
By 11.13.08
On Meghann’s post about a reader who fell for a locksmith scam, the aptly named commenter “yetiwisdom” left a great tip for never getting locked out your car again:
Save $1,000 In 30 Days?
By 11.4.08
Ramit over at I Will Teach You To Be Rich has thrown down a challenge. Can you save $1,000 in 30 days? He, like us, is annoyed with crappy frugality tips that will save you $1 a week, and promises to post decent money saving tips every day in November. If you follow them, he thinks you’ll be able to save $1,000 in 30 days.
Test Your Personal Finance Skills With These Quizzes
By 10.9.08
Kiplinger has two quizzes named “Financial Truth or Bunk?“, and they go through some of the more popular tips you’ve heard about personal finance, including lines like:
- You can’t lose money investing in bonds.
- Stay-at-home moms or dads need life insurance, too.
- Don’t buy a red car — it’ll cost more to insure.
- Dollar-cost averaging boosts investment returns.
- The percentage of stock in your portfolio should equal 100 minus your age.
Stop Payment Orders On Checks Only Last Six Months
By 10.8.08
Jennifer says National City Bank has contacted her fiance to inform him that the stop payment order he placed on a check is about to expire, and he’ll have to pay another $32 fee to renew it for six more months. She writes, “Have you heard of stop payment now only being ‘suspend payment for six months’? This seems to me to be extortion.” We’re going to come down on the side of the banks in this case—but because of the recurring nature of the fee, it might just be cheaper to close the account.
How To Get Past The UPS Phonebot
By 10.6.08
Luke writes, “I recently had a package delivered to me by UPS, and by ‘delivered’ I mean that they left a little yellow slip stating that they showed up and left.” Thanks to a burst of anger, he figured out how to get past the phonebot that intercepts calls. It turns out you don’t even need to add the curse word to the end.
The Idiot-Proof Way To Securely Use Public Wi-Fi
By 10.6.08
We talk a lot on this blog about personal data and privacy, but not so much about how to secure that data on your own computer. That’s because a.) we’re not Lifehacker and b.) the solutions frequently bloat into crazy, jargon-filled recipes that scare away the non-IT crowd. Not this time! For all you novices, here is a single idea you should consider that will help keep your personal data personal, and make your identity that much harder to steal.
Get Your Expired Bloomingdale's Gift Card Balance Restored
By 10.1.08
Pam had a Bloomingdale’s gift card that went unused for a couple of years, and when she tried to spend it last weekend, she was told it had expired. Pam found a way to get the balance restored fairly quickly, though. If you’ve got a card from before February 2008, try Pam’s advice below.
Beware Of Apartment Scammers
By 9.24.08
In the course of searching for a new place to live in Minneapolis, I found a great condo right in the area I was looking for, renting for $900/mo for a 1 bedroom which included electricity, gas, water, sewer, garbage, cable, and high speed internet! Sound too good to be true? You bet…it was a scam.
How To Get Utilities And Phone Service Without Giving Up Your SSN
By 9.23.08
As several readers discussed in yesterday’s post, utility, phone, and cable companies usually require your Social Security number in order to perform a credit check before activating service. You don’t have to provide it, but they don’t have to extend their services to you either. Here’s one reader’s explanation of how he was able to turn on water, electricity, gas, and an AT&T land line without turning over his SSN.
