Start with the merchant to find satisfaction, and then escalate if that doesn't work.
Last month, I went to a Trader Joe’s to buy a package of coffee filters. For whatever reason, their packages of unbleached cone filters are always remarkably cheaper than anywhere else, despite Trader Joe’s higher-end reputation. On this particular trip, there was some sort of technical problem with the register.
I would swipe my card, sign in the box, and then the system would skip the receipt printout step. Each time, the person working the counter would politely insist that the charge didn’t go through and we’d have to swipe it again. We did this three times.
Unfortunately, the only technical problem was that a receipt wasn’t printed and it wasn’t until a week later that I saw I had three charges for one box of coffee filters. The annoying part about all this was that the charges were for only $1.80 each, which meant I was only out $3.60. Part of me wished it was more like $360 so that it would be more worth my time to deal with it.
If you need to dispute a credit card charge, here’s what you should do:
If you're interviewing with people who are half your age, there are certain things you'll want to avoid doing.
Old dogs can learn new tricks, but not everyone believes it.
So, when you’re of a certain age (like me) and interviewing for a job, you need to be aware of not emphasizing how many years you’ve walked the face of the Earth, Pamela Redmond Satran, blogger at the delightful How Not To Act Old, advises in a post at CBS MoneyWatch. (Female readers, the underwear photo at the top of her blog should give you some inkling on whether you’re acting old or not.)
Her tips aren’t over the top -- they don’t scream, “I’m not over the hill” in an inappropriate way -- like, say, getting multiple piercings. Just as appearing past your prime can be “more subtle than simply offering your interviewer a nice piece of hard candy,” she writes, diverting attention away from your age involves avoiding certain behaviors.
With the April 30 deadline for the homebuyer tax credit approaching, gambling that a lender will close the deal in time is risky.
You are probably already too late to snag a deal on a short sale.
Or why smart people fall for stupid cons.
Sometimes it mystifies me that so many people can fall for the oldest tricks in the book. Bernie Madoff’s operation was nothing more than a Ponzi scheme -- you know, that scam that was invented in the 1920s. Do people really think that a random Nigerian prince selected them to handle gigantic sums of money? Does it really never occur to a tourist that a street-side card game probably isn’t on the up-and-up?
- Video: $1 million or a magic penny?
It mystifies me, that is, until I fall for one. Then the excuses get rolled out. Even in hindsight, you try to convince yourself that you’re not a sucker: There was no way you could have seen that coming.
So why is it that we fall for these silly cons?
Collective-buying sites offer low prices, but there's plenty of fine print.
Get enough people together and you can leverage discounts of 50% or better on spa services, dinners out, yoga classes, event tickets and other services.
The key concept here is “enough.” Group-buying sites have carved out a niche promising deals if more than a set number of people opt in during a short window of opportunity. The idea works great when supply and demand line up:
Everyone outsources any number of tasks. So are you lazy if you hire someone to clean your house?
J.D. and I have been employing an independent housekeeper for about 10 years. The one who’s been working for us for almost five years, Michele, is fantastic and we feel lucky to have her. (We found her through Craigslist). Housecleaning is her full-time job.
It took us some time to get over our self-imposed barrier of hiring some help with the house chores. I’m not lazy, and it struck me as a weak, self-indulgent thing to do. But, as J.D. freely admits, he’s a slob.
Save some dough with these easily digestable tips, and use the savings to pay down debt.
This post comes from Stacy Johnson at partner site Money Talks News.
According to the Bureau of Labor Statistics, in 2008 the average American family spent $6,443 on food. To put that number in perspective, that "average" family consists of 2.5 people with an annual income of $63,563. So from these numbers we can surmise that our average family spends about 10% of their income on food.
Depending on whom you choose to believe (there's some dispute about this) the average American family also carries a $5,000 balance on credit cards. If that balance comes with a 15% interest rate, that's $750 a year in interest.
Conclusion? We could materially affect two expenses simultaneously if we could persuade the average American family to eat their credit cards. But if that doesn’t sound like an appetizing solution, here"s another thought:
Radiohead, Sister Hazel and country stars are all on the free playlist this week.
While rounding up this week’s selection of food deals and freebies, I came across free stuff you can’t eat that seemed too good not to share.
- Bing: Free Internet radio
How about some free music that you actually want to hear:
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Which store penalizes you for too many returns? And which one will let you retroactively apply coupons?