Sunday, November 29, 2009
I was thrilled last year when I received an offer for a Chase card that was 0% until October 2009. I transferred part of a very high balance (at a high interest) that belonged to my husband to the card. Fast forward to now... The balance that remained on the high interest card is paid off. The card is now at it's "normal rate" of 6.99% fixed. Or so I thought... Saturday I get a notice in the mail that with all the government changes that pretty much permit credit card companies to do whatever they want, my card terms are thrown out the window. My card will follow the prime rate beginning 1/1/2010. Effectively, the fixed interest rate is GONE. The established rate (for now) will be 11.74% subject to change again of course. I called today to verify that this was indeed the case. I declined the changes to the card. This means that the card is closed. There can be no new charges (no loss there), and I just need to pay it off. I contacted my other credit card company, and need to get in touch with them again tomorrow morning when they open at 8 am. They are offering a 3.99% balance transfer rate right now. I will take advantage of that if they will increase my credit limit to cover the amount I need to get rid of this Chase card once and for all.
The funny thing is that last month I paid off and closed my Bank of America card (I have a really great debt reduction plan in place), and the day after I paid it off, I got a notice in the mail that they were doing the same thing. So far the only companies that haven't jumped on board are National City/PNC and my credit union issued card.
This credit card crap is for the birds. I can't wait to be finished all together. If they will let me do what I want, then I will have canceled two cards in the last 30 days and will only have two credit cards in our household. Not bad I think... I have other store charges that we pay in full because they offer perks, but I'm not so foolish to leave a balance on those because they are of the 28% variety. I do like the "bucks back" that they offer for use though, and I make sure I never spend more than I can easily afford to pay off entirely.
Sorry for the rant... Don't know if anyone else is out there getting these wonderful little missives from their credit card companies, but good luck getting rid of the suckers. I know I'm not going to stay a customer if they break the backs of the people who keep them in business. I wish them luck with their future federal bailout money though!
Thursday, November 26, 2009
I'm the anomoly... I really don't care for any of the traditional Thanksgiving foods. So today at our Thanksgiving dinner, I can say that I ate...
.33 cup sweet corn
.5 cup stuffing
.25 cup mashed potatoes (I hate potatoes)
2 small dinner rolls
Around 9 am, I had had a bottle of Cranenergy, and around 5 pm I added half a slice of pumpkin pie.
You would think I was doing okay right???
Thanksgiving is easy right??? I don't like the food!!!
Then I had to go to Redbox to return some dvds... And across the street is McDonalds... Needless to say, I ended the day with a Big Mac, Apple Dippers, and an Unsweetened Iced Tea with Lemon... Hmmm... Did I say Thanksgiving was easy???
Thursday, October 01, 2009
There's a difference between interest and commitment. When you're interested in doing something, you do it only when it's convenient. When you're committed to something, you accept no excuses; only results. -- Kenneth Blanchard
When this popped up today, I thought... WOW! It really is true. It's funny how it now applies to the way I feel about running. Before, I would have said that I had an interest in running, but for the first time in September, I met my running goal of 50 miles for the month. That may not be a lot to some of the distance runners on some of my teams, and that may seem like A WHOLE LOT to some of the newbie runners who are still on C25K teams with me. For me, psychologically, it's a change. I met my goal because I am now COMMITTED to it.
In my mind, that can be the only difference, but the DIFFERENCE THERE IS HUGE!!! I've set the same goal for the month of October. Thanks to all who support me in my commitments and goals!!!
Tuesday, September 22, 2009
I planned on posting about my most recent race today, but instead, I decided that I needed to focus on a more pressing topic. My NIke+ is driving me insane!!! I use it with an iPod Touch. I have the walk calibrated, and it is always spot on. The run seems to be off. It was off by approximately .14 after the race. I attempted to run tonight (not only for health), but I also wanted to finally get this thing calibrated for my running. It didn't work! After running for 1.75 miles, I was tomato-faced and ready to pass out. I ended up finishing the rest of the 2.5 miles at a brisk walk.
Now the only thing I need to do is figure out what is happening with the Nike+ so I can be off and running again!!!
Thursday, September 17, 2009
It's Campbell's "Click for Cans" time again...
Let's get started and put the Steelers up to an early lead this year!!!
Get An Email Alert Each Time POOH_BEAR_69 Posts