alfreda89: 3 foot concrete Medieval style gargoyle with author's hand resting on its head. (Default)
So, I thought I would spread out payments on having a crown done. Just keep money in the bank drawing interest, right? Especially with cards designed for dental services. Now, although I have very good credit, there can be hitches, because I'm self-employed, and other exciting things. And, the last time I checked, I had incorrect stuff in the files relating to my divorce YEARS ago. I straightened out two companies, I thought. The third required letters, here in Texas -- and I was becoming ill, so that didn't happen. It's on the list of to do as soon as I can turn away from acquiring some income.

So I try an on-line application. We're okay until they get to questions to identify myself. And they ask me in what state does XXX own property.

It is my ex-husband's new wife.

I decide that, for this question, the right answer is, I don't know this person. Fearing that this will be the wrong answer.

Then, I am asked where YYYY owns property. Never heard of YYYY.

And tell them so.

Then I get denied because they can't confirm my identity. Worse, it's one of the companies I thought was straightened out! AND -- they are now in some sort of thing with a fourth group, who has to deal with the problem. And it will take months to resolve.

I am SO thrilled. This will be SO annoying....
alfreda89: (Tea -- the universal cure (ask the Docto)
Well, the week started out a bit fogged, and got further fogged when I realized I had not paid the VISA last month. This thrills them -- that $39 hit brings them joy, since I normally pay it off every month. I just paid it off, so I have a chance of remembering the next time it's due.

And -- those of you paying attention to the insurance crisis might remember that my health insurance has been increasing an average of $160 a month every six months for the last two years.

Just got another one of those letters. It's going up another $170 a month on July 1st. This sort of takes all the money saved by moving my one expensive Rx to Canada. I will be paying $885 a month for insurance that pays very little for my current treatment. But because of the current treatment, I will not be able to buy insurance anywhere else just for car accidents, etc.

I may have reached the wall. It may be time to cancel the policy and simply swallow the bills from now on. I won't be doing some of the things they recommend you do, like bone density (if you don't do the hip, my doctor considers it useless) or colonoscopy or such exciting stuff. I will join the legion of people who try to eat well and take care of themselves, because there is no alternative. But I have a lot of places I could use that $885 a month, since everything is coming out of savings.

Have been doing a pretty good job of not worrying, and just trying to get well. But this, shall we say, is stretching my ability to stay calm. I think tomorrow I will call Costco and see how much my drugs cost without insurance....
alfreda89: 3 foot concrete Medieval style gargoyle with author's hand resting on its head. (Warning Sign on a CA entrance to a parki)
This video of a credit card funeral made my tech list today. It's been around for six years; a writer created it for her book. Did she sell more books to help people get out of credit card debt? I don't know. I was lucky -- I saw a member of my extended family get into trouble with only a couple of plane tickets. That person struggled to make them go away paying monthly, but of course they lingered forever. I know several people who had to declare bankruptcy over bills that never went away.

http://www.youtube.com/watch?v=AWR6TgJIPWQ

It's ironic now that since I've been ill, and Quicken would no longer download from my bank, I had to transition into credit cards so I knew what was actually being spent. I finally started a roster so I had no surprises at the end of the month. But I pay them off each month. In fact, when a plane ticket or unexpected medical ($470 in dental last month) jacks up the cards, I pay more than that month's cost, so the next month isn't so bad. And then the card gets little or no use. (I buy meds with AMEX, since I have a Costco membership. Other medical fills out the usual bills, with gasoline and some food.) It's a rule that is broken only to establish credit or take advantage of a one year no credit deal. (You must divide and have it paid off in 11 months, just to be sure you don't get careless....)

Be very cautious and pay attention to your bills right now -- some banks are switching to 21 day no interest. Don't get caught big!
alfreda89: 3 foot concrete Medieval style gargoyle with author's hand resting on its head. (Warning Sign on a CA entrance to a parki)
Clearly, I'm too tired to rant. Chase Services just closed one of my credit cards with them -- the one I use for major conventions. I had not used it in two years, apparently, since sharing with other writers I'm often paying them instead of the hotel.

I kept that because I'd had it since 1980, and I thought that might count as something. The woman at Chase said the credit score people look at anything kept for 10 years or more, so it will, in theory, stay up.

Why couldn't they be efficient about something useful?

I was going to write the division, but may just blow it off and get a card somewhere else -- like an airline.

April 2025

S M T W T F S
  12345
6789101112
13141516171819
20212223242526
272829 30   

Syndicate

RSS Atom

Most Popular Tags

Style Credit

Expand Cut Tags

No cut tags
Page generated May. 23rd, 2025 07:26 pm
Powered by Dreamwidth Studios