Hallelijuah!
I can pay some bills! My 401k money was available to me on Weds and I requested a disbursment and I just got the check in the mail today. Of course the bank wants to put a hold on the check for a few days before they release the funds to me. But it is here and I can now make an effort to get caught up!
I had spent the morning calling everyone that I owe and updating them and getting extensions on the two that were scheduled for disconnection. Luckily they were both very helpful and I got that all set up. These calls take so much time. I think I was on the phone for 3 hours before quitting.
The worst call was to my Lowes credit card company. The card is under written by GE which had I known that in the beginning I would never have opened a credit account with them in the first place. They outsourse their work to India which is frustrating because it is difficult to understand the person on the other end. All of them have been taught English but the guy I got today had a thick accent and was so frustrating and the phone connection today was terrible. I was trying to be proactive and contact everyone not to set up payment because I did not know when the money was arriving nor did I know how much I would be able to pay. I was calling to simply give them the chance to update my account. The people they hire are not capable of talking off "script". The guy "Steve" that I was on the phone with today would not revert from script and listen to me. I finally got frustrated and asked to speak to the manager. "Steve" asked why and I told him "because I don't want to talk to you any longer!" I finally got a manager who started again with the "I apologize" I stopped him and said "I don't want your apology, I want you to listen, take notes and update my account not spout your script". Any way he finally said he had updated the account and I thanked him and hung up. I cancelled this account in March and there is nothing in the world that will entice me to have any retail credit cards ever again! Especially ones that are through GE.
I cancelled a bank account at Chase bank when I realized that they were started by JP Morgan Chase who also is the greedy bastard who started General Electric. GE is a horrible company!
On the upside for the day a mere five calendar days since I requested my 401K money I received a check in the mail. Happy dance!!! I stopped making calls and went right to the bank where I discovered that they would not let me take a third of the money in cash and would only let me have $500; this is because they put a 7 day hold on the money. Apparently the manager can override this restriction but she was not in today; I decided to come back tomorrow. Then I got to thinking that maybe I should check out the other local branch to see if they had a manager onsite which they did but he said the same thing that he could give me the $500 but he would have them run it on same day business and not next day and he would not put the 7 day hold on the money. This frees me up to pay my bills! Yay Bless you Mr. Manager!
So now how do I go about wisely using this money that should have been for my eventual retirement but which I will need to live off of for the next bit of time. . . Hum I need a wise financial guru! I will figure this out I will but it would be awesome to have a wizard on my team! Night all!
I can pay some bills! My 401k money was available to me on Weds and I requested a disbursment and I just got the check in the mail today. Of course the bank wants to put a hold on the check for a few days before they release the funds to me. But it is here and I can now make an effort to get caught up!
I had spent the morning calling everyone that I owe and updating them and getting extensions on the two that were scheduled for disconnection. Luckily they were both very helpful and I got that all set up. These calls take so much time. I think I was on the phone for 3 hours before quitting.
The worst call was to my Lowes credit card company. The card is under written by GE which had I known that in the beginning I would never have opened a credit account with them in the first place. They outsourse their work to India which is frustrating because it is difficult to understand the person on the other end. All of them have been taught English but the guy I got today had a thick accent and was so frustrating and the phone connection today was terrible. I was trying to be proactive and contact everyone not to set up payment because I did not know when the money was arriving nor did I know how much I would be able to pay. I was calling to simply give them the chance to update my account. The people they hire are not capable of talking off "script". The guy "Steve" that I was on the phone with today would not revert from script and listen to me. I finally got frustrated and asked to speak to the manager. "Steve" asked why and I told him "because I don't want to talk to you any longer!" I finally got a manager who started again with the "I apologize" I stopped him and said "I don't want your apology, I want you to listen, take notes and update my account not spout your script". Any way he finally said he had updated the account and I thanked him and hung up. I cancelled this account in March and there is nothing in the world that will entice me to have any retail credit cards ever again! Especially ones that are through GE.
I cancelled a bank account at Chase bank when I realized that they were started by JP Morgan Chase who also is the greedy bastard who started General Electric. GE is a horrible company!
On the upside for the day a mere five calendar days since I requested my 401K money I received a check in the mail. Happy dance!!! I stopped making calls and went right to the bank where I discovered that they would not let me take a third of the money in cash and would only let me have $500; this is because they put a 7 day hold on the money. Apparently the manager can override this restriction but she was not in today; I decided to come back tomorrow. Then I got to thinking that maybe I should check out the other local branch to see if they had a manager onsite which they did but he said the same thing that he could give me the $500 but he would have them run it on same day business and not next day and he would not put the 7 day hold on the money. This frees me up to pay my bills! Yay Bless you Mr. Manager!
So now how do I go about wisely using this money that should have been for my eventual retirement but which I will need to live off of for the next bit of time. . . Hum I need a wise financial guru! I will figure this out I will but it would be awesome to have a wizard on my team! Night all!
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