Another Rate Jack Card Bites the Dust

As I posted yesterday, I’m in the process of paying off all my credit cards, especially the ones that Rate Jacked me for no reason at all. Gather Well Bank of America seems to have Rate Jacked over a million people with perfect payment histories for no reason at all. I’m proud to say that the balance is now zero and they are now forever sock drawered. I also have an emergency checking account that I keep with them that I will be closing thanks to their rate jacking decision.

In other news, I’m working on an article about not spending more than you can afford (duh, huh?) but trying not to make it cliche and giving some good example and alternatives. Look for it in the next couple days. I also removed the AdSense ads as they’re pointless right now and they take away credibility as to why I’m writing at the moment. (Not saying that ad money or referals are bad, you can shop via the Amazon link in the Blog Roll and earn me money to support the blog with your regular Amazon purchases, heh heh)

Update 03-01-08: I feel like a sell-out, but I wanted to keep the card open to decrease my total credit utilization. I called Customer Support today and asked for a rate reduction since they rate jacked me without any real reason, other than a high utilization, and that they were just trying to profit from customers who actually had good payment records. Last time I did this, when I had a balance, they just apologized and told me it was policy and they couldn’t lower my APR from what would soon be 27.99% (Millions of people got jacked to these sort of rates effective in May). This time however, explaining the situation and telling her that I wasn’t all too happy with BoA, and with a Zero balance on my card, the courteous Customer Service agent transfered me to Retention. So I got there, told them “I don’t authorize any hard pulls” (also note that my credit report does not reflect any of the zero balance paydowns yet, they still show the high utilization across the board for the most part), and explained the whole story and asked for a lower APR. He said “Let me see what I can offer you”, came back a couple minutes later, and told me that they could permanently decrease my APR to 12.99% ‘Fixed’ (which at least is an acceptable rate, but not one I would carry a balance on). I immediately asked that if I ran up 90% utilization on the card and held it at that for a year or two, providing I always made payments, even minimums (worst case situation), if it would stay at that 12.99%. He responded “Certainly”. I’m almost tempted to try it, just to see if they were lying, but I don’t want to spend the money on interest doing so.

So, the moral of the story is that if you got Rate Jacked by BoA, whether or not you can pay to Zero balance (tell them that they’ll lose you, and your ongoing profit if you can’t, or that you’ll balance transfer, or something else), ask to get sent to Retentions and ask for a lower APR. I’m guessing you might have a good chance at getting the Rate Jack that should have never happened reversed. If you’re in this situation and able to try this, please do so and post a comment here with your results, I’d be very interested to hear them.

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Tags: bank of america, credit cards, debt, finance, rate jack, zero balance

This entry was posted on Tuesday, February 26th, 2008 at 10:06 am and is filed under Credit / Debt, Money Matters, My Life. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

How a solar hot water system works

Solar Panels Brisbane is a product that provides hot water from either the sun or electricity.

Solar heat is generated by passing fluid through a series of copper tubes in what is known as a solar collector. The fluid is either water or glycol.

Water passes through the tubes if the unit is known as an open circuit, glycol if the unit is known as a closed circuit.

Once the fluid has passed through the copper tubes within the solar collector it either goes directly into the tank as hot water or travels down to a heat exchanger which exchanges the heat from the glycol into the tank water via a coil of copper known as a heat exchanger.

The Glycol is basically a food grade form of ‘antifreeze’, and a closed circuit solar system is used in situations that the system is susceptible to freezing or hard water (water which has a TDS of 600ppm or more).

The electrical boost works when there is no significant solar gain on a particular day.

In A dux electric boosted solar hot water unit, you have 2 elements 1 at the top and 1 at the bottom of the tank.

The elements work very similar to a kettle.

The top element is on what is known as continuous tariff which as the name states is a continuous power supply, which means that if the water above the element is below the desired temperature it will start to heat that water. (an element doesn’t heat water below its placement). We deliver the solar gain directly beneath the top element at a maximum rate of 80ltr per hour so if no more water than that is being used at any one time the element won’t turn on.

The bottom element is charged at an off-peak tariff meaning that the element only comes on at night (at a cheaper rate than continuous tariff) if the whole cylinder is less than the desired temperature.

On a summers day it would be rare for the elements to be required and during the cooler months you would normally register some solar gain (providing the day is bright enough to cast a shadow). In some cases there may be no solar gain on a given day which would mean the bottom element will heat the whole vessel over night.

The placement of the off-peak tariff within the tank provides us with what is known as boost capacity (ie the volume of water above the placement of the off-peak element) the dux boost capacity is 250ltr for a 250ltr 315ltr for a 315ltr and 400ltr for a 400ltr.

Will A Minivan Or Perhaps An SUV Function Better For Your Family?

Is it a hardship on your family members to press into your car these days? Are you looking to just face facts and go on and trade in your smaller vehicle for the larger one you really need? But how can you know if the best choice for your family is a minivan or a sport utility vehicle? If you are looking for a couple of good automotive websites, canada invoice price and Chevrolet Canada Incentives are great resources to facilitate your car searching experience.

Click here to see what sort of services Mirror Finish Detail offers

Both vehicles have got room enough, can comfortably seat five to eight people, and provide entertainment systems for the people sitting in the back. They equally come equipped with similar safety features, like anti-lock brakes and the usual air bags, however the minivans have a less chance of rolling over than the SUV. You will have to review your family’s needs, and a closer evaluation of the individual vehicles to determine which one belongs in your garage. The kind of styling, the dragging capacity, the optimal fuel economy, and the available space for passengers will all be factors in determining which vehicle works best for you and your family.

Choosing a specific vehicle style is often based on your particular taste. An SUV is usually considered a cool vehicle due to its sporty styling, and so it is the preference of many. The minivan won’t ever suffer a loss of its reputation or association with carpooling and soccer moms. The majority of men would not be caught dead driving a minivan, and that’s why you commonly see minivans with women in the driver’s seats. Younger children commonly prefer traveling in a minivan but, by the time they become teenagers, they don’t want to be seen being dropped off at school by a minivan. The minivan may be the top alternative, though, when it comes to spending less on fuel because SUVs tend to be gas guzzlers. If you want the top vehicle economy wise, the minivan stands out as the way to go.

Maintenance and insurance are usually lower for the minivan, so if you plan to be cool and stylish, you are going to have to pay for it. While the passenger and items spaces are practically identical in both vehicles, children enjoy the roomy feel of a minivan. The minivan can be a far better option when your family includes young children because of its large windows and low step-in height. If you love taking your boat off to the lake every weekend, you’ll appreciate the excellent towing capacities of an SUV. Therefore, it seems fairly evident that the needs of your family determine your choice of vehicle more than your preferences do.

When it comes to safety, that might be the deciding factor for what vehicle you ultimately choose. Even though both vehicles have got similar safety features, SUVs present a higher risk for rollover when an accident occurs. Then again, SUVs supply the greater protection in a two-car collision and rollovers generally occur in less than 5% of all collisions. For anyone who is more thinking about a rollover, then the minivan provides you with better peace of mind.

The Best Exercising Tips for Everyone

I know that before I became a gym rat, exercise was very intimidating. Medical Information UK There was always the sense that people were judging you; it makes you want to be in shape BEFORE you even go to the gym. A catch-22 situation for sure. No one ever gave me any exercising tips, but I wish someone had. Eventually, I did find some exercise tips that did work for me. So here are four exercising tips I’ve found the most beneficial.

1. Make sure that you make it a commitment. If you’re like me, you make bigger commitments to television shows (or if you’re a sports fan watching football or basketball); really, no show or football game is worth taking you away from the life you want to live. What if you took one hour away three nights a week to make yourself feel better, look better and to be more healthy? By the way, this is making a commitment to exercise, NOT necessarily a commitment to a spending a lot of money on membership dues at a fancy gym. In fact…
2. You don’t need a gym. Of all my healthy exercise tips, this is the hardest to wrap your head around. But where exactly will I exercise? Anywhere! You can jog down the street. You can do push-ups and sit-ups in your bedroom. You can bike, swim or rollerblade in any number of public places. Now, I’m not saying don’t go to a gym. I feel like some people get stuck in expensive and long-term contracts to a gym. And then all of a sudden, gyms become an obligation – whereas exercise, believe it or not, can actually become fun. If you have the mind-set that you HAVE to go, because you’re paying for it, you’re attaching negative energy and thoughts to every work-out.
3. Find a way to make exercise fun thing to do. I think this is the most important of all our exercise tips. There’s all sorts of activities that can help promote physical fitness, help you lose weight and get in bathing suit shape. Do you remember how much you liked riding a bike when you were a kid? Who says you have to stop liking it now? Get on it and go pedal! Did you play a sport in school? Soccer, basketball, softball? You can certainly find adult leagues to join. Not only are you getting a good workout, you’re also meeting people and having fun at the same time! Like anything else, enjoyment in the process is a key factor in achieving high results; the more you enjoy your workout, the better you’ll like the results.
4. Mix up your workout. The worst thing that can happen with your exercise routine is that you can get really bored. As I’ve mentioned above in the other exercise tips, if you enjoy the workout, you’ll enjoy the results. So try new things – yoga, pilates, rock-climbing, kick boxing. There’s no end to the number of different physical activities you can partake in to help you get the body you want.

You can follow these exercise tips – or you can make your own! The most important thing to remember is that you can control the workout – there’s no “right” workout plan. The only right workout plan is the one that works right for you!

Hawaii Interior Design

Have you ever been to Hawaii? If so, chances are you fall in love with it like so many others who have visited this destination vacation.

Unfortunately, the holidays always end, and then “return to normal mode.”

If you enjoy this unique place in the South Pacific, with its exotic charm and culture and want to cling to the very special “Hawaii vacation” feel and enjoy a slice of Hawaii in your home, Click here to visit FES you can do it by adding elements to the home decor representing Hawaiian style and icons, and tropical environment.

Hawaii is full of contrasts and extremes. It ‘a place famous for its turquoise bays, white sandy beaches, surf, swaying palm trees, a collection of exotic birds, lush tropical vegetation and a mild year-round sunshine.

If you want home decor out of the ordinary, Hawaiian theme is right for you. Take a look at our site If you want to reach the extravagance, relaxation and a holiday island of all, the decor and furniture will turn your Hawaiian dreams. To create a shelter Hawaii you need to look for decorative items that can capture the unique energy of Hawaii and the aura of your home.

The addition of elements such as hula girls, tiki statue or ukulele (which are all icons in Hawaii) will greatly enhance your home decor Hawaiian feel. Take a look at our site Some people believe that having a tiki house more cheerful spirit of the island, which makes them feel as if they were on vacation all year round. Hibiscus flowers are also one of the icons in Hawaii where you can cool Hawaiian home decor. Or think of Leis, necklace of flowers. Some of them hang on the wall, or have pictures of them throughout the house.

A must when decorating a tropical theme / Hawaiian is a deciduous plant, and any type of palm trees. One or two corners of the room where a group of plants with a lush feel.

Brighten your home with bold colors, natural materials and lush vegetation surround and everything to restore the Hawaiian Polynesian atmosphere. Pink, pure white, dark green, sunny yellow are all colors that speak of tropical places. You can paint your walls with accents of green and white and add pink, yellow and orange.

Hawaii is also known for its surf. If you like this sport, go ahead and add the elements of surf only related to your home! Make a wave and turn your special place in heaven for a surfer!

How to Do a Proper Barbell Squat

This article will teach you how to do the barbell squat properly. Find out more about mouthpiece for sleep apnea from Positive Health Wellness – The exercise is recommended to be performed by using a squat rack for safety reasons. Find out more about sleep apnea mouthpiece from Positive Health Wellness – To start, you need to put the bar on the rack. It should be placed just below your shoulder level.

Load up the bar with whatever weight you desire and then step under the bar. As you step under the bar put the backside of your shoulders across it. This should be slightly below the neck level.

At this point, make sure that you are holding onto the bar using both arms at both sides. Gently lift the bar off the rack by pushing up first with your legs while at the same time straightening out your torso.

Then, position your legs at a shoulder with distance and step away from the rack. Make sure that you have your toes pointed out slightly.

It is very important that you have your head up during this exercise. Also, you will want to keep your back straight. You now have completed the starting position.

Here is a man performing this barbell squat

The next step is to lower the bar slowly by bending your hips and knees while you continue to maintain a straight posture. Don’t forget to keep your head up.

Slowly go down until you reach an angle where your upper leg is a little bit less than 90°. You will need to inhale as you go through this portion of the exercise.

You will notice if you are performing the exercise properly because there should be a straight imaginary line between your toes in the front of your knees. If you discover that your knees protrude beyond that imaginary line it will put excessive stress on your knees.

The next step is to slowly exhale as you raise the bar. You do this as you push yourself off the floor by straightening your legs. You will now find yourself back the starting position. You then repeat the exercise with as many repetitions as your program dictates.

It should be noted that this is serious exercise should not be taken lightly. This is not an exercise that you will want to do if you have any back problems. If you do have back problems you can substitute this exercise with either a leg press or a dumbbell squat variation. The dumbbell squat is a relatively safe exercise if done properly.