$392.52 is what I will save over the next six months on my internet, land line and DirecTV. It is pretty easy to do. Best of all, it has taken much longer for me to type this than it took to get the $392.52 in discounts for the next six months.
Here is what I suggest, blow by blow: Call your provider and tell them you want to cancel your service. If they do not immediately transfer you to the Customer Retention department, ask to speak to someone there. Don’t mess around with the first customer service representative who answered your call. You want Customer Retention. Those are the folks who wield the power to give you the best discounts.
UPDATE for 2013 — ING DIRECT is now Capital One 360.
Shhh!!! ING DIRECT doesn’t know what “sale” means. They think it means to give away cash. Now through Sunday night ONLY, they will give you $107 if you open an Electric Orange account (usually $50 bonus), $32 for a MONEY account and $27 for a Kids Savings Account.
I have an Electric Orange account. No Minimums. No fees. No tricks. No brainer.
Black Friday is about deals. Click here to open an Electric Orange account and you’ll be $107 richer. Where else can you make $107 in ten minutes today? When you get back from the jungle of credit card wielding, sleep-deprived bargain hunters, reload your bankroll (up to $366).
Do you have cheese in your veins? Do you count deep fried potato skins as a vegetable? Do you believe with unbridled fervor that ranch dressing is the greatest invention since the ball peen hammer? If so, you are probably one of the gajillion folks like me who pop Lipitor like Tic Tacs.
Lipitor had a good run with its cholesterol-lowering medication, but its patent has expired. A generic is expected this month. Alas, you can click here to get the real-deal Lipitor for only $4 per month.
Baseball great Satchel Paige once said, “Avoid fried meats which angry up the blood.” Too bad he died before Lipitor came along or he might have enjoyed a chicken finger or two. Get a month’s supply of cholesterol medication for the price of a Whopper. That having been said, ya might wanna hold off on your cholesterol blood test until after Thanksgiving’s gravy runs its course.
> Check out Lipitor For You to sign up for the $4/month co-pay card.
Please save me from getting bummed out. When I see an empty storefront or a “Going Out of Business” sale, my heart sinks. My dad was a small businessman with a dozen employees. Many of my friends have their own businesses as well, providing thousands of jobs. I too have dabbled in several entrepreneurial endeavors: La Parisienne Pizza Shack, anyone? (See video. Apologies to Dan Aykroyd. Do you recognize the voice of my cameraman?).
I know how hard it is to create a business out of thin air. When I see a failed business, I think of all the excitement surrounding the opening and possibilities. Then I think of all the hard work, stress and great disappointment as the business slowly dies on the vine, and as a final kick in the teeth – all the money that was lost.
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Renaissance Man & TV star Greg Grunberg talks about his frozen yogurt biz, networking with J.J. Abrams in a sandbox and how he created his popular couponing app Yowza.
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Comedian Jimmy Pardo is my very first guest on the ChipsMoneyTips Podcast, or should I say, PodCASHt? Jimmy talks about financial challenges in his early days in Hollywood, monitizing his podcast, and how a ChipsMoneyTip got him $750. Woo-Hoo! Scroll down for a Bonus Sketch with Jimmy.
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Jimmy Pardo, Jimmy Dore and I wrote and performed “The Golfers” back in the 1900s. It debuted in March 1996 as part of our Must-See Sketch Show (with Pat Francis and Jack Thomas) at The Complex in Hollywood. Watch as The Golfers impart wisdom on Personal Finance and technology.
Suggestions on how to avoid Bankruptcy: If it’s credit card debt that is killing you, see my post about 0% balance transfer credit cards to take a breather from paying high interest, while you regroup. If that doesn’t work for you, watch my Peer To Peer Lending post. Here’s another option: If you have a good job with disposable income, but all of that extra money is going to pay interest on your huge debt, do you know someone who is loaded? If so, they can only get about 1% to 2% on their money now. Assemble your bills and paystubs. Offer them 4% if they’ll play bank and give you a consolidation loan to pay off all your cards. They’ll want to know how quickly you can pay them back. If that is not an option, approach a bank for a consolidation loan.