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It has been a long week and I haven’t completed as many things as I would have liked to; however, I did mention to my supervisor at my day job that I plan to take an extended leave of absence. It’s not quite quitting, but this is what works for me for the present.

This will, of course, allow me to focus on Consumerism Commentary. Years ago, I was able to write two or three articles a day, but when my writing style changed, the most I have been able to do, in addition to other writing responsibilities and administrative tasks, has been one or slightly more than one. With more time, I believe I will be able to take this website to the next level.

Here are some interesting articles for weekend reading, starting with one I’ve written as a freelance author. You’ll notice I’ve begun using a real name (insofar as it is a “non-cartoon” name) for some writing; expect to see more of that.

Snagging a Great Holiday Travel Deal. This is my latest contribution to Currency from American Express. Booking travel early, but not too early, is the key to finding the best fares. I lucked out this year and found a great deal on my flight to California for Thanksgiving, while in previous years I searched too early or too late.

Renting Gives You More Freedom — So Take Advantage. Here’s more from Currency. All of us renters out there should be celebrating some of the advantages we have over homeowners.

Actions Have Consequences. Investor Junkie talks about his family problems involving drugs and alcohol, and points out how every choice you make has an effect on the path your life takes.

Verizon Promo Code: FiOS Internet & Cable TV Deals. One of these days, FiOS will be available where I live. Then again, I may move before that happens. When it comes to watching television, the FiOS experience is significantly better than traditional cable or satellite service. Television itself may be a poor way to spend time, but it’s harder to argue that the past few years with the emergence of incredibly well-written shows (though the acting is often lacking).

Peter Thiel Wants To Give Kids $100,000 to Drop Out of College. This is a nice follow-up from the discussion of whether to drop out of college. Some people can drop out of college and be successful. Most people won’t. $100,000 is not nearly enough incentive to take the risk of a lower lifetime income, cognitive development, and all the other benefits that a college experience can offer. People should not be swayed by stories of outliers like Bill Gates who were successful after they dropped out of college; they were successful beforehand.

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The prevailing wisdom when dealing with customer service representatives is to just keep repeating, “Let me speak to your supervisor,” until you eventually get what you want. Every time I read this, though, I get defensive and annoyed. I can’t forget that year I spent answering the phones for Bank of America, and the myriad of emotions I’d go through in a given day. Sure, BofA is an obscenely big multi-national corporation that probably deserves some serious punishment for its role in our recent financial collapse, but it’s also run entirely by human beings, and the customer service department are the human beings you talk to the most.

I learned a couple of very important lessons as a CSR that are in direct conflict with the “let me speak to your supervisor” rule.

Lesson 1: A friend is more likely to help you

As a CSR, when a customer made a human connection with me, I was always more eager to find ways to help them. Of course I always stayed within the rules (well, almost always), but we bank employees had a surprising amount of leeway for actions such as refunding overdraft charges. Not that that’s really a problem, anymore.

When a conversation begins with understanding, I find that progress is easier to make. So now that I’m always on the other end of the phone line, I start with humility instead of anger. For example, pretend I’m talking to someone who just introduced himself as Alex:

Hi, Alex, my name is Smithee. I’m hoping you could help explain something that’s got me really confused.

  • Write down (or just temporarily learn) his/her name. Use it conversationally, but especially near the end just before whatever changes that need to be made are about to be made.
  • Acknowledge that he/she is an independent, intelligent human being with feelings. They will reciprocate that point of view on you, too.
  • Remember their position: they’ve been talking to people with problems like yours for hours. Believe it or not, they like it when they’re able to help. Give them a chance to help you.

Sometimes I’ll go all out and just start with nothing but a little humor:

Hi, Alex, my name is Smithee and I’m afraid I’m totally ignorant, but I hope you can help.

This opener always seems to get a chuckle from the other end, which makes both of you feel good.

Using this method has been successful for me: people don’t get mad at me, and I don’t get mad at them, and I don’t have to ask to speak to a supervisor. Sure, supervisors get brought in sometimes, but it’s always their idea first.

Starting with friendliness, I get fees reversed, special deals made, you name it. When I used to call the cable (or satellite, or FiOS) company, I always ended up paying less per month for more channels, or higher bandwidth.

It’s not all hugs and puppies, of course.

Lesson 2: Even your friends can’t always help you

The other thing that bugs me about the “let me speak to your supervisor” rule is the innumerable times I personally witnessed irate customers being passed up the line, to no avail. If you’re calling with an unreasonable request (for example, this all-too-true story: “I wrote a $500 check two days before I got paid, sure, but you guys knew I’d get paid on Thursday, why did the check bounce?!”), no amount of yelling will fix the situation. You’ll simply end up ruining other people’s days, ten minutes at a time.

Ask yourself:

  1. Was this my mistake?
  2. Even so, do I have a good history as a customer? (Oh, the data these CSRs can look up…)
  3. Can I spare five minutes to walk off some steam and try to identify with the point of view of someone with a worse job than my own?

If the answers to all of those are yes, then please pay it forward instead of stealing it backward by taking that five-minute walk.

Are there exceptions? Of course! Sometimes the big behemoth is the one who screwed up. But mostly, it’s us customers who made the mistake. If you can sound like you’re willing to laugh it off, the company will be more willing, also.

That’s been my experience, anyway.

Additional photo: melloveschallah

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No More Cable TV For Me

This article was written by in Consumer. 23 comments.

Well, we went and did it. As of today, the Verizon FiOS TV service we’d been mostly enjoying for almost three years is suspended. We’re not replacing it with cable or satellite television, either. The normal TV service is effectively turned off.

I’m scared and nervous and excited all at once. It’s been nearly seven years since I didn’t have a reliable 100+ channel TV service, and back then I was literally eating pancakes for dinner most evenings (and for lunch, when I could afford it, I was having McDonalds).

I say “suspended” because it’s not actually canceled just yet. I suspect we’ll go through with canceling it, but in the meantime we have two (or possibly nine) months to decide without being charged for the service (or the DVRs, or the multitude of taxes…). I was prepared for a termination fee upwards of $200, but I got another option when I called to make the change.

Calling the TV company

When making any changes to your TV (or phone, or Internet) service, always call instead of clicking around online. I have a near phobia of talking to strangers on the phone, but I force myself to do this, because the results are always better. Kelly recently wrote about how persistence pays off, and I have no doubt it’s all true, but I also find that being polite and patient can work wonders.

So I called Verizon and described the situation: “we’re interested in turning off the TV service for at least six months as an experiment to see if we can live without it”. I made an initial call to get a price estimate and check out all the options, since we still wanted to keep the home phone and Internet service. I called back later and was pleasantly surprised to talk to someone who mentioned that if we simply suspend the TV service instead of shutting it off, we can avoid the early termination fee. (I’m sure the business objective here is “more than 0% of the TV suspenders will simply forget they didn’t cancel, and we can start charging them again”. The gentleman I spoke to wasn’t sure if the suspension was good for two or for nine months, so I set a reminder on my calendar to call back and check in 48 days.)

We’ll avoid the fee even if we still do decide to turn it off before the suspension is over, because they’ll only penalize you with the early termination fee within the first four months of the start of a new contract, which we started almost four months ago.

NOTE: Anything in the previous two paragraphs might turn out to be false. I trust Verizon’s Billing Department as far as my dog can spit. Furthermore, I will not be surprised to come home later and find that the Internet and phone were shut off, and that Verizon has lost all record of me ever being a customer. They’ve done that to me before, and it’s one of the reasons I had a black mark on my credit report for years and years.

Multiple replacements

This isn’t to say that we’ll be without TV. I’m finally happy with the way I’ve got a computer hooked into the TV, and between:

I honestly don’t think we’ll be missing any of the shows we currently enjoy.

By the way, have you heard of Boxee? I’ve been experimenting with it for months, and next month it’ll finally be in Beta. Here’s an intro video:

That’s what the alpha Boxee looks like. The beta screenshots are quite different, but it looks even more usable.

Yesterday, I also hooked up an over-the-air tuner to the computer, in case we need to watch live TV for some emergency reason like a tornado or what-have-you. I suspect our plan of “watch almost nothing live” wouldn’t work well for people who enjoy watching sporting events, but even so, there have been occasions when an event is big enough that Boxee will carry it live. In a pinch, we could always watch something in a browser window, though that’s not very elegant.

How much are we saving, then?

Remarkably, this will save us about $100 a month (although it remains to be seen how much we’ll spend through iTunes). That’s a stupid amount of money just for TV service, and I’m hoping our experiment works out, because I’m looking forward to saving that money for a long time hence.

What else will change?

I also suspect that this will change our watching habits somewhat. Currently, we’re not a family who sits down in order to watch anything at all that we can find. We’re not channel-flippers. We have a list of shows we like, and we don’t watch things we don’t like. Of course, you have to give new shows a fair audition (four episodes maximum, I’d say), and sometimes my wife will want something on in the background while she’s working at the house, which I suspect will largely be filled with Netflix offerings.

But I think that we might gradually tend toward even more careful viewing. I suppose we’ll have to: there will no longer be an on-screen guide of “what’s on now”. We’ll have to think harder about what we want to watch. Or we might decide in a few months that no, in fact, this is not for us, please give us our TV back. I will, as always, keep you updated.

Incidentally, two nights ago we watched some TV shows without skipping commercials for old time’s sake. It was just as maddening as I remember.

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Net Neutrality Simplified

This article was written by in Consumer. 7 comments.

Depending on how you get your news, the topic of network neutrality can seem boring, or confusing, or both. Possibly you haven’t yet heard about it, or you’ve already formed an opinion. The reports I see are too often complicated, lacking reasoned arguments and full of hyperbolic guesses as to what the future might hold. Not to mention that both supporters and critics say that their side is the one promoting “freedom”. I’ve read all the boringly-written PDFs about the FCC’s new guidelines for you, and here’s what it means.

Same as it is now

Enacting an official policy of network neutrality means that the Internet you use now will not change. Broadband providers have ideas about limiting access to some content for customers who don’t pay as much, or aren’t on their networks.

As the specific FCC guideline is written:

broadband providers cannot discriminate against particular Internet content or applications

Without Net Neutrality

For example, imagine if you needed to be a Verizon FiOS subscriber in order to access www.startrek.com. Star Trek fans who didn’t have FiOS would throw a fit (those same Star Trek fans might recall this actually happened on AOL many years ago). As an alternative, the owners of www.startrek.com work out a deal with the other big broadband companies and they say, “okay, fine, you can have access to it, but your broadband bill will be $5 more per month”. Meanwhile, FiOS subscribers aren’t paying $5 a month for the Web site. Sound fair?

Here’s another made-up example of a world without net neutrality: you have AT&T broadband at home, and a Sprint mobile phone through work. Your company uses Google Apps, but AT&T decides they don’t like Google, so you can’t get to your work e-mail from home. Does that sound like a good idea to you? If you’re against that idea, then you are in favor of net neutrality.

No reason for prices to change

The Internet was built by a bunch of nerdy scientists to be open and accessible to everyone. It isn’t free, because moving data requires paying people to do various jobs. At my house, we’re paying about $60 / month for some very fast Internet. Critics of net neutrality claim that “new rules” will force providers to raise prices. But remember, neutrality is what we have now, as it’s been regulated by the FCC in the past on a case-by-case basis, so there’s no logical reason to raise prices for anyone. Besides, $60 a month is almost highway robbery as it is.

Internet providers charge more for faster speeds, and less for slower speeds. Critics of neutrality want to invent new ways to charge people in addition to this one simple rule.

Regarding congestion and illegal activities

The FCC’s published guidelines (they’re just getting started writing the actual rules), make exceptions that give Internet providers the ability to manage network congestion and prevent illegal activities. So if you’re on cable, and you’ve got neighbors downloading (and uploading) 68 gigabytes of Star Trek movies, providers can find a way to stop your speeds from being negatively affected. The new rules do not prevent throttling, and they do not encourage illegal activities.

Avoiding an ugly fight

I’m speculating here, but ensuring network neutrality will also mean side-stepping huge Public Relations nightmares for broadband companies. I think a provider has the right to consider limiting access to certain content or applications, and I think it would be massively stupid of them to go through with it. Millions of people would be instantly enraged.

Back when you needed to be an AOL subscriber to access www.startrek.com, they got complaint after complaint, and it was less than a year before access was returned to everyone. Why would anyone want to go through with that again?

Preserving a Free and Open Internet, at the FCC’s OpenInternet.gov web site (which is accessible to everyone)

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TV Ad Volume May Finally Be Moderated

by Smithee

This is something I’ve wanted to see happen for my entire life. I never thought it would, and I’m only mildly political so I never pushed for it, but we may see a new law that says a TV commercial can’t be “louder than the program it accompanies”, nor can it be “excessively noisy or ... Continue reading this article…

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Stealing Entertainment, Revisited

by Smithee

A week ago I wrote a post called “Is it Ever Okay to Steal Entertainment?”, which produced great comments from our readers, many of whom were clearly incensed that I would ever try to rationalize stealing from content creators. I’ve been thinking about the criticism and understanding that was added to the original article. I ... Continue reading this article…

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Intereviewed by MoneyCrashers (and Blog Round-Up)

by Flexo

Erik from MoneyCrashers contacted me recently and offered me the chance to share the story of Consumerism Commentary. We finished the interview this past week, and you can now read it online. I appreciate the chance, and it’s exciting to me that someone is interested in the motivation behind Consumerism Commentary. Here are some other ... Continue reading this article…

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An Education in High Definition for the Novice

by Flexo

Best Buy is campaigning for better consumer education in High Definition to prevent store returns. Customers apparently purchase flat screen televisions and expect the complete high definition experience immediately upon hooking up their system with the same old equipment and cables. Despite the lack of knowledge, I don’t think an entire “education program” is necessary. ... Continue reading this article…

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