I just called Time Warner Cable about my Internet subscription. Right now I’m paying about $34/month for internet, but I also have a Clear mobile hotspot. Thinking I don’t need both, I asked if there was anything we could do about my bill. After repeating I have been a customer for years, the rep transferred me to the Customer Services Department.
I went through the same routine again and now this agent said I already have the best promotional rate. I finally pulled out the big guns, “Is there any way I could get a free month or two?” I inquired With this, she mentioned she could apply a $7 credit/month for the next 6 months. Not bad I’ll take it. $42 for a 15 minute phone call.
Give it a try and see what happens.
A month back I came across a posting about a peer to peer lending service called Lending Club. I’ve heard of the services, but never got around to testing them out.
Then the bonus put me over the top. I saw they were offering $100 bonus if you invest $2500
I had just signed up for the United Mileage Plus Explorer 50,000 mile offer and needed to spend $1,000 to get the miles. With Lending Club they actually let you fund the first $5,000 with credit card. So now everything seemed to fit:
- I was curious about how peer to peer lending worked
- Needed to spend $1,000 to get 50,000 miles. And would get 2,500 more miles by spending $2,500 to fund the account
- Would get $100 bonus
So I went ahead and created the account and funded $2,500 with the card. You actually get transferred to PayPal and then enter your credit card details. The transaction is NOT counted as a cash advance with Chase, so you get normal miles and counted as a usual transaction.
The account was instantly created and funded.
Now the fun part, digging through stacks of loans to find some that make sense. In reality, they have a tool that can specify your desired risk level and return. Loans are broken down in A-G. The majority of the loans are used for debt consolidation. The A loans pay about 6-7% while the C and D loans pay in the range of 14-19%.
I let the system pick a stack of B-D loans and funded them. I thought this would happen near instantaneously. Some got issued in a few days, I still have a few that are in processing 2 weeks later. Once all $2,500 get issued then I’ll get the $100 bonus.
Will keep it updated how this whole thing works out. If you have any experience or thoughts on it, leave a comment I’d love to hear your experiences.
Positive thinking is an absolute contributor to a good life. However its often a challenge taking all of those negative thoughts and throwing them out.