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Deceptive Credit Card Offers, Part 1: Two-Cycle Billing

by Flexo

Although it’s common to recieve mailing from credit card companies offering credit cards with attractive terms, like 0 percent APR balance transfer offers or offers on small business credit cards they won’t tell you all the terms of the agreement until you actually apply for the card. This is often the case regardless of your “pre-approved” ... Continue reading this article…

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Dealing With Two Companies

by Flexo

I am still in the process of trying to resolve my unaccepted balance transfer to a new Discover Card with a 0 percent APR offer from my existing Wachovia Visa card (offered by MBNA). I am told this will be resolved within five business days. It’s also been a major pain dealing with the University of ... Continue reading this article…

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Reasonable and Customary?

by Flexo

This coming Friday, I’ll be the happy recipient of oral surgery. My third molars (wisdom teeth) have been slowly creeping towards the surface of my gums for the last ten years, and I’ve decided it’s time to get them yanked. My company’s health plan requires that these expenses are covered by dental insurance rather than ... Continue reading this article…

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Balance Sheet and Income Statement, October 2005

by Flexo

If you continue reading, you’ll see my balance sheet and income statement for the end of October, 2005. Progress has been slow this month. Some comments about my balances are below the chart.

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Carnival of Personal Finance is Up

by Flexo

The latest Carnival of Personal Finance is online at Free Money Finance. My blog entry on Medical Billing Errors is included. Check out the Carnival if you have a chance, and discover some new bloggers — and some great posts by familiar bloggers such as the spirited discussion on the black market of CDs.

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Medical Billing Errors

by Flexo

If you ever find yourself in a hospital, always check your bill once you get out. A few years ago, I found myself in the hospital for a few hours for something minor. My insurance took care of mostly everything without a problem. I checked my explanation of benefits from the insurance, and I noticed ... Continue reading this article…

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Auto Insurance – Yikes!

by Flexo

When I had my 1997 Honda Civic, and with an excess of points from my “wild and crazy” days that I’m waiting to drop off my record, my auto insurance premium was already high. I don’t have the policy in front of me, but it was around $3,400 per year. In June, I purchased a ... Continue reading this article…

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