Comments for FILAM FINANCE http://www.filamwords.com Personal Finance, Bargains/Deals and My Misc Ramblings Tue, 07 Oct 2008 14:44:27 +0000 http://wordpress.org/?v=2.0.5 Comment on How To Get Free Membership At Costco by Kerry McCollough http://www.filamwords.com/how-to-get-free-membership-at-costco/#comment-8246 Wed, 24 Sep 2008 23:47:46 +0000 http://www.filamwords.com/how-to-get-free-membership-at-costco/#comment-8246 Having non-household members sign up as household members can be risky and. according to Costco's own rules, against the rules. Consider the case of a fellow employee, responsible for arranging for a Costco representative to come to the workplace and sign folks up. Said employee (known as the first employee) offers to another employee (the second employee)--'hey, we'll sign up and split the $50 membership fee.' The Costco representative breaks the rules by not requiring proof of residence from the first employee. The second employee decides to sign up for an American Express Card. Unbeknownst to him, so does the first employee. Shortly thereafter, the second employee changes his mind and cuts up the card when he receives it. He does not call or write AMEX and convey this decision. Because the second employee (just to be clear--the first employee has her own card with its own PIN) is the primary, guess where the AMEX bills get mailed to? And who the late fees are charged to? And whose credit is destroyed? What a nighmare--just because the second employee was a 'nice guy' and didn't realize that saving $25 would cost him his credit rating. No, he just thought that the first employee would 'take care of it.' I'm not personally involved in this mess except as a friend, trying to assist the second employee as he drafts a chronological account for the lawyer he's hired. If any one has any ideas to help this poor guy, give me a holler! thanks for listening... Having non-household members sign up as household members can be risky and. according to Costco’s own rules, against the rules. Consider the case of a fellow employee, responsible for arranging for a Costco representative to come to the workplace and sign folks up.

Said employee (known as the first employee) offers to another employee (the second employee)–’hey, we’ll sign up and split the $50 membership fee.’ The Costco representative breaks the rules by not requiring proof of residence from the first employee.

The second employee decides to sign up for an American Express Card. Unbeknownst to him, so does the first employee. Shortly thereafter, the second employee changes his mind and cuts up the card when he receives it. He does not call or write AMEX and convey this decision.

Because the second employee (just to be clear–the first employee has her own card with its own PIN) is the primary, guess where the AMEX bills get mailed to? And who the late fees are charged to? And whose credit is destroyed?

What a nighmare–just because the second employee was a ‘nice guy’ and didn’t realize that saving $25 would cost him his credit rating. No, he just thought that the first employee would ‘take care of it.’

I’m not personally involved in this mess except as a friend, trying to assist the second employee as he drafts a chronological account for the lawyer he’s hired. If any one has any ideas to help this poor guy, give me a holler!

thanks for listening…

]]> Comment on How To Get Free Membership At Costco by carol tower http://www.filamwords.com/how-to-get-free-membership-at-costco/#comment-7572 Tue, 02 Sep 2008 01:58:08 +0000 http://www.filamwords.com/how-to-get-free-membership-at-costco/#comment-7572 I belong to the oregon farm bureau and I believe one of the benefits is membership to costc Please advise. I belong to the oregon farm bureau and I believe one of the benefits is membership to costc Please advise.

]]> Comment on Health Is Wealth - The Key To Staying Young by go inside now http://www.filamwords.com/health-is-wealth-the-key-to-staying-young/#comment-7539 Mon, 01 Sep 2008 14:42:51 +0000 http://www.filamwords.com/health-is-wealth-the-key-to-staying-young/#comment-7539 <strong>go inside now...</strong> I Have To Agree, You Said it well... go inside now…

I Have To Agree, You Said it well…

]]> Comment on The 89th Edition of the Festival of Frugality by jeroen http://www.filamwords.com/the-89th-edition-of-the-festival-of-frugality/#comment-7375 Mon, 25 Aug 2008 20:53:03 +0000 http://www.filamwords.com/the-89th-edition-of-the-festival-of-frugality/#comment-7375 It\'s a great and valuable site! It\’s a great and valuable site!

]]> Comment on The 89th Edition of the Festival of Frugality by Siber http://www.filamwords.com/the-89th-edition-of-the-festival-of-frugality/#comment-7355 Sun, 24 Aug 2008 23:12:45 +0000 http://www.filamwords.com/the-89th-edition-of-the-festival-of-frugality/#comment-7355 Dear web-master ! I looked your site and I want to say that yor very well Dear web-master ! I looked your site and I want to say that yor very well

]]> Comment on The 89th Edition of the Festival of Frugality by Martin http://www.filamwords.com/the-89th-edition-of-the-festival-of-frugality/#comment-7290 Sat, 23 Aug 2008 13:33:11 +0000 http://www.filamwords.com/the-89th-edition-of-the-festival-of-frugality/#comment-7290 The site\'\'s very professional! Keep up the good work! Oh yes, one extra comment - maybe you could add more pictures too! So, good luck to your team!s The site\’\’s very professional! Keep up the good work! Oh yes, one extra comment - maybe you could add more pictures too! So, good luck to your team!s

]]> Comment on How Would The New Law Affects California by How Would The New Law Affects California http://www.filamwords.com/how-would-the-new-law-affects-california/#comment-7128 Mon, 18 Aug 2008 19:46:11 +0000 http://www.filamwords.com/how-would-the-new-law-affects-california/#comment-7128 [...] Original Celebrity JPG - Celebrities pictures and gossip. [...] […] Original Celebrity JPG - Celebrities pictures and gossip. […]

]]> Comment on The 89th Edition of the Festival of Frugality by Hannes http://www.filamwords.com/the-89th-edition-of-the-festival-of-frugality/#comment-7083 Sat, 16 Aug 2008 16:18:48 +0000 http://www.filamwords.com/the-89th-edition-of-the-festival-of-frugality/#comment-7083 I like it and the background and colors make it easy to read I like it and the background and colors make it easy to read

]]> Comment on Why You Should Buy Tires At Costco And Tips For Prolonging Tire’s Life by Dave http://www.filamwords.com/why-you-should-buy-tires-at-costco-and-tips-for-prolonging-tires-life/#comment-6903 Thu, 07 Aug 2008 23:54:13 +0000 http://www.filamwords.com/why-you-should-buy-tires-at-costco-and-tips-for-prolonging-tires-life/#comment-6903 I am really unhappy with Costco tire store's service at Yonkers, NY. The reason are: 1. I was not informed on the day I came that they would serve executive member first in early morning. I spoke with Jonathan who recommended me to come at 10 am on the next day. On the next day, Roger (manager) initially was reluctant to start serving me. 2. When I came on the next day, I got un-polite service from Roger (manager). Even he threatened not to start serving me until 10.30 am. It was 10.20 am. 3. Misleading advertisement on the door " no appointment necessary" . I came at 10 am, then Roger asked me to come back at 2 pm. Is it appointment or arrangement or …? When I came back, they ask me if I have appointment. So, we need appointment to buy tire at Costco Costco’s price is around 10 dollars cheaper and it does give after sell services, but this experience makes me reluctant to recommend the Costco tire store to my colleagues /family members. I am really unhappy with Costco tire store’s service at Yonkers, NY. The reason are:
1. I was not informed on the day I came that they would serve executive member first in early morning. I spoke with Jonathan who recommended me to come at 10 am on the next day. On the next day, Roger (manager) initially was reluctant to start serving me.
2. When I came on the next day, I got un-polite service from Roger (manager). Even he threatened not to start serving me until 10.30 am. It was 10.20 am.
3. Misleading advertisement on the door ” no appointment necessary” . I came at 10 am, then Roger asked me to come back at 2 pm. Is it appointment or arrangement or …? When I came back, they ask me if I have appointment. So, we need appointment to buy tire at Costco

Costco’s price is around 10 dollars cheaper and it does give after sell services, but this experience makes me reluctant to recommend the Costco tire store to my colleagues /family members.

]]> Comment on Top 10 Reasons Why There Won’t Be a Filipino US President by chikwaters http://www.filamwords.com/top-10-reasons-why-there-wont-be-a-filipino-us-president/#comment-6815 Tue, 05 Aug 2008 05:53:52 +0000 http://www.filamwords.com/top-10-reasons-why-there-wont-be-a-filipino-us-president/#comment-6815 lolz! some of you makes me laugh. where's your sense of humor?im a pure bred Pinoy and I think this has to be one of the funniest I've seen. It actually makes me proud to see something like this get aired in national tv,or should I say, global tv as well. Im proud that we as Pinoys have our own identity and uniqueness,good or bad,tha's what makes us who we are. lolz! some of you makes me laugh. where’s your sense of humor?im a pure bred Pinoy and I think this has to be one of the funniest I’ve seen. It actually makes me proud to see something like this get aired in national tv,or should I say, global tv as well. Im proud that we as Pinoys have our own identity and uniqueness,good or bad,tha’s what makes us who we are.

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