Review: Capital One 360

I normally don’t review financial products/services as typically everyone’s needs are different. For example, I have a basic credit card with a relatively low interest, but no cash back. I don’t use the credit on my card enough to really benefit from cash back especially at a threat of higher interest rates. However, this is a bank account, and most people need a bank account, right? Now, your bank account may serve you well, and if that is the case – keep it. However, if you are looking for a new account, this might be an option to consider.

I chosen to open a Capital One 360 account for a few reasons. First, my previous account (which I still have the account open) gave me a bank account, but seem to refuse me when I asked for a credit card or a personal loan to consolidate debt, and get a few essentials. With the fact that I already had a credit card and on time payments with them had been 100%, I felt as if I wasn’t being looked at as a customer, but a number with another number attached. With this in mind, I have loss any personal sense of loyalty and commitment to them. I already had a Capital One Credit card which I had for more than 8 years when I applied for the loan, so I had an established payment history – one that was longer than my bank account. So knowing that I will be treated as a number with a big bank like Capital One, I didn’t see much difference in customer relations to what I been dealing with already. Continue reading Review: Capital One 360

March 2017

Some things for the better and for the worse happened this month. While my life on the surface is rather quiet, there has been some significant impacts that happened. There is still some things that remain the same. My income and financial situation hasn’t changed. I have no significant other in my life, and the pain still remains.

One thing that happened is my neighbor went to the hospital as she typically does, and asked me to feed her cat. Maybe it is just me, but if you can’t stay out of the hospital, you shouldn’t have pets. I told her I would do what I can, and reminded her that I should not be going up and down steps on a regular basis because of my issues. It is times like this that I wish I could just have my own place where the neighbor doesn’t feel entitled that I am somehow responsible for their choices. Continue reading March 2017

February 2017

This month could have been better, but one can’t complain. With the month being warmer than most Februaries – Malak was able to get more walks. Started to see a new therapist for my social anxiety, however he hasn’t given any recommendations other than what was recommended before with the pain psychologist. Still have yet to have a new psychiatrist.

On some other news, I have been having problems with my cellular phone. I think I will stop buying Blu Products since anything I seem to buy from there never meet my expectations a few months later. Considering that Pixel (successor to Nexus) is so expensive, I might have to look for alternatives. However, my plans do not allow me to replace my current phone; so I have some time yet.
Continue reading February 2017

Declaring War on My Debt

At time of writing this post, I have three debts of $2,650 + Interest, and one debt in collections (which I will detail later in this post). This is a significant improvement from a couple of years ago where I owed nearly $40,000. Needless to say, I have declared war on the money I owe to banks, and other creditors and taking on my financial mistakes with a vengeance.

This however is not without sacrifice. I had to make some serious decisions in my life, and I am sure some people will disagree with my actions, but the ideal is to live meagerly now so I can have a better life later. Some people will want to get out of debt so they can buy a car or a house. I don’t see me having such options available to me. In reality, the idea of owning a place I can call my own is a fantasy rather than a dream. So why am I doing it? Well, first – it is the right thing to do. Second, when I seen a light at the end of the tunnel, I had to make $125 in minimum payments per month to be on good terms with the companies I deal with now. Considering that I live below the poverty line, this is a serious challenge that will never end unless I first fix my life, and second attack my debt with the ferocity it deserves. Continue reading Declaring War on My Debt

January 2017

A few things have changed. I reactivated my Republic Wireless phone line to their Wifi Only plan. This is about $10. Since I terminated the relationship with the previous psychiatrist, I had to look for another resource to address my social anxiety. It doesn’t seem as anything I do have been very successful.

On the second week of December, I went to a new clinic which I had an assessment, and they informed me that I should get a new therapist and psychiatrist anywhere between 1 and 3 weeks. I am also to call if I don’t get a new appointment by the 31st.

I also seem to be having problems with Puretalk (a cellular provider). I received my SIM card at the end of the first week, but either the service activation, or the SIM card failed to provide me with service. This has led to a change in my initial plans while I tried to get the problem resolved.

December 2016

This month was more than most months I have. An acquaintance that really likes to have Malak to come and visit broke her hip, and was in the hospital for a time. Because of buses, I wasn’t able to take a part-time under the table job – which I guess is just as well. Malak has been resisting on using the treadmill which may mean he won’t get as much exercise as he should. I guess if I had foresight, I wouldn’t have spent the $200 on a credit line to get it.

I also received an email from TelNIC which is in charge of the registry and hosting of .tel domains. They are making some changes which includes allowing them to be hosted with other companies, and no longer supporting sub-domains. For the catered nature of .tel domains, I am not in agreement with either option. Obviously, if someone hosts their .tel outside of TelNIC, they will likely have sub-domain support, however – this could dismiss the reason why .tel domains served a role. Now they are just like any other domain. And for those that don’t know what a sub domain is – an example will be frank in http://frank.pilone.name. Continue reading December 2016

November 2016

Still been having some issues with dealing with crowds. My pain psychologist has suggested speaking with my representative at the community center which I have done. I didn’t expect much, and while she tried to help, didn’t give anything I hadn’t tried already.

Acquired a new Windows 10 PC which is functioning reasonably well, and a Chromebook PC. My goal is to see if I can get everything (or most things) done on a Chromebook which should make future PC acquisitions easier. The Windows 10 PC is a laptop/tablet hybrid and actually works nicely. My main gripe is the lack of an SSD, and no apparent means of upgrading the hard drive.
Continue reading November 2016

October 2016

Not much happened in October. I seen my psychiatrist which has been impotent in his desire to help me with what I see him for. Also signed up with the food bank associated with the community center I joined. While this will mean I will have to take two buses, it also means no waiting in lines, and the issues I had with the more local food bank is reduced. Not much else has been going on. My sister sent an SMS but she has been unreliable in communicating and when she does, it is always about her.

No plans for November. I noticed an increased in my Amazon credit line which will likely mean I will replace my worthless notebook, and consider trying to move everything to Chrome based systems for future use. There is hardware that will only work on Windows, so I will need a Windows machine for that at the very least. Will just have to make due with or without.

September 2016

This month could have been better. The medicine still isn’t working as well as I would like it too. Will be seeing that doctor in a couple of weeks. In the meantime, that doctor doesn’t seem to have much of an interest in communicating with my pain psychologist. In addition, the case manager I received have been of no value, and don’t even have any confidence that he is doing anything for me.

I also canceled my Facebook account. All of the “friends” I had on there had made no attempts to reach out to me, so it shows how much of value that Facebook really had. The handful of people that I had contact information will likely be cleared out in my bi-annual cleaning of my contacts. Other platforms are a little more useful, but not much. Continue reading September 2016

August 2016

This month could have been better. Not much happened. I acquired an iPad Mini 2 which in most instances performs inferiorly to my former Nexus 7. If I had a choice between the two, it would have been an Nexus. I got a new counselor with the community center my pain psychologist recommended. I will have an initial appointment with her in the second week of September. Got a new wallet which will reduce the bulk that I would otherwise carry.

Someone asked if I will take their dog for a couple of reasons. I told them I and Malak will have to meet with the dog, and a few things will need to happen first. I was supposed to meet with the dog on one of the weekends late in the month, but never happened. Continue reading August 2016