Wednesday, July 22, 2009

Crown cost $268.00

Well, just got back from the dentist. My crown is going to cost $268.00. I had to pay half that today ($134.00) and then the other half in about two weeks when I go back to get my permanent crown put on.

Seems like I never get cavities filled anymore. It's always a crown. Without insurance it was going to cost about $750 so thank God for my insurance. They did not do a "build-up" which would have cost more so I saved some money there. Hopefully this will fix my pain problem. Dentist said if it doesn't fix it then I'll need a root canal.

Monday, July 20, 2009

Got a 3% raise!!!

Wow! I'm very excited and happy!

I know it's tough out there for a lot of folks. And I just hope the economy gets better.

My own personal news is that I got a 3% raise this month! That really helps my budget! Hopefully I'll have all my debt paid off one day. Still looking at sometime around December 2011 or early 2012.

Other news is that my wife will get a 6% raise starting in August. Every bit of good news helps.

Friday, July 17, 2009

Without a refrigerator for two weeks.

We rent. And the condo we rent came with a (Maytag) refrigerator. But there's been problems with it for almost two weeks. So we've resorted to coupons at fast food places but not for all of our meals. Sometimes a good PB&J hits the spot Other times a can of soup. But we can't refrigerate milk, any dairy products, no frozen goods, etc.

We had to toss out a lot of food that started to go bad when the refrigerator broke down. We dont own the refrigerator. And the landlord has already spent $500 trying to fix it. Maytag now says it needs a new compressor. They already shipped one but it came in damaged so now we have to wait another week without a working refrigerator.

What would you all eat? (besides MREs:)

Monday, July 13, 2009

CitiCard - had to sign up again for 1 YR BLP

My 1-yr Balance Liquidation plan with Citicard (my former AT&T Universal Card) ended last month. I missed the payment because they stopped auto-debiting my monthly payments from my checking account last month.

I explained my debt/income situation and I requested another 1-YR plan. This will be my third and final debt repayment plan with them. They said that regulations only allow three (3) one-year debt reduction plans back to back. They gave me the option of signing up for a 5-year plan with higher payments but if I missed any then there would be no other programs they could offer me - at least, that's what they told me.

So I opted for my third and final one-year repayment plan. In August of 2010 I will have to start paying a higher monthly payment and a higher interest rate. I pray that I will be in a better financial position to absorb those higher payments by then.

Monday, July 6, 2009

Setback - Got a speeding ticket

My wife and I were driving the freeway. I was going with the flow of traffic at about 76 mph in the fast lane (lane #1) when we came around a curve. There was a CHP. Everyone in front of me starting hitting their brakes. I pulled my foot off the gas pedal but people braking in front of me were slowing down faster than I was so I decided to change lanes. I put on my blinker checked that the middle lane (lane #2) was open and then I changed lanes.

As all of us passed the officer I saw him in my rear view mirror turn on his lights and speed onto the freeway. He came after me. Once he got behind me I pulled over off the freeway. He said he clocked me at 82 mph using Lidar (laser radar). He is mistaken. I told him I really disagreed with him giving me a speeding ticket since I was driving with the flow of traffic. I was only going 74 mph in a 70 mph zone. My wife agrees with me that I wasn't doing anything wrong and that I was not speeding - speed scares her for one thing and she'll always tell me to slow down when others are passing us by on the road.

Well, I told the officer I would fight the ticket. He said that he can't pull everyone over at the same time and that he has to pull over someone. I said I thought he pulled me over only because I was driving a sports car. He just repeated again that he has to pull someone over.

I told him that I think that sports car is a target and that our being the victim of a hit and run driver was proof along with the many times I have to swerve away from someone - usually a truck - that swerves into me. Just two days before receiving that ticket I had a minivan swerve into me on the freeway. The time I go that hit and run repair it cost me $1000 - $500 for insurance deductible and $500 for renting a car while my car was in the repair shop. I think people automatically assume that someone who drives a sports car is automatically an asshole and also has money to burn so they can and should pay for repairs, rentals and speeding tickets.

I consider speeding to be when someone passes me at 10+ mph over what I'm driving. When I'm not passing anyone else on the road and we're all driving the same speed - within 5 to 10 mph of the posted speed limit - then I dont think I'm speeding nor should I get cited when everyone else is driving the same speed.