Tag Archives: payments

May 2017

The first two weeks of the month were extremely busy. On the first, I took my prescription down to Rite-Aid to be filled. It would seem as if they wanted to “give company policy” to make me make a special trip the next day to get my prescription. I was considering seeing if there were alternatives, but it will seem as if the anesthesiologist will start submitting my morphine to the pharmacy electronically. I will expect I will still need to provide ID.

Seen my pain psychologist on Wednesday, and went to a community center for the food bank on Friday. These too were in the first week of the month. In addition, on Tuesday of the first week, I went to the pharmacy (again), followed by getting cleats on my shoes, and an appointment for an eye exam and new glasses. It would seem as if my eyes were a bit worse. To make matters worse, not only did I need Transition Lenses (when the lens gets darker in sunlight), but the eye doctor wanted me to have a no glare lens as well. I expected to have a $500 bill, and the bill came to $493. This meant I needed to use a credit card. I got the new glasses on May 12.
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Week 40 – 2014

This week started quiet, but ended with a little bit of hectic activity. This is because the first of the month came in the middle of the week. On Wednesday, I paid my rent, electric, and my credit cards. On Thursday, my credit card payments was acknowledge which I then used a part of the credit to pay my Internet, and Phone (which is my normal behavior). On some worse news, my only set of headphones are not working effectively which means I will have to try to acquire a new pair which means about $25 that I didn’t plan for.

As for plans for next week, I will have to eventually acquire groceries, and should expect money from Andrea, and Chris for their portion of the phone bill. And with about 2 months left in this year, I need to address a document that I will like to submit to city, county, and state government as well as PAT (Port Authority Transit). The reason is I feel if you are going to complain about something, you should have a reasonable and realistic solution proposed to solve what is being complained about. So, much of my effort will be to that document and the companion web site.

Week 31 – 2014

This week was the last week of the month, and therefore not much happened. I was able to give the dogs a long walk, and had to go to the Grocery store, but otherwise – not much happened. The first of the month came on Friday which meant my benefits came on that day. I paid my bills with exception of my Verizon bill which they manage to put an inaccurate amount on the bill again. I am at the point where if they don’t fix this problem, I will reduce my speeds – especially since some times I don’t even see a benefit of the “50MBPS” connection.

As for plans for the next week, I should be getting money owed for their portion of the bill from both Andrea and Chris. I should also be able to hopefully pay my Internet bill, and will be expecting a bag of dog food to come in. Otherwise, not much is planned.

My 7 Month Cashless Experiment

Now, I am not saying that we should eliminate money. At this time, there are simply too many political, logistical, and social issues that will stand in the way of that Utopia. However, I am suggesting that we go Cashless. There is a difference. Money is what we use to trade for goods and services. Cash is the physical representation of money. Since January of 2014, I have conducted a small experiment. I decided to discover the impact and consequences of going cashless. I am the type that wants to be as unbiased as possible, and if I am going to complain about something, I am going to know what I am complaining about, and bring up realistic solutions to whatever my gripe is.

So, what did I rely on, and what happens when someone gave me cash? Well, what I would always carry will be my photo ID, my Google Wallet card which has all of my discretionary money, and if needed – I could transfer money from a credit card to my Wallet account. Last I had my Public Transit card. The ID had nothing to do with going cashless. However, to ride the public transit system, I used the Public Transit Card. When I needed to refill the card, I used a credit card, or my Wallet Card. So what happens when someone handed me cash? Well, I placed it in an envelope and would take that money down with me the next time I would be close to my bank. Once a month, I will take $10 of that cash to do laundry. This is because the Laundromat in Troy Hill supports only cash. Once my money was deposited into my bank account, I can then pay bills, or transfer to my wallet. Also, the shoe repair shop will require a minimum of $10 for cashless transactions. If need be, I will get cash – but will be spent within 15 minutes to address the shoe repair. The only other instance in where there is some form of physical representation will be my Landlord and sending him a check. However, I pay my landlord through the bank’s site and they mail him a check with no additional cost to me. However if my Landlord would take Google Wallet, he could get his money in minutes on the first rather than maybe the 3rd – 5th of the month, only to have to take time to deposit it.

Again, let’s go into the difference between cash and money. Cash is a physical thing. You can touch it, and put it in your pocket. It can be stolen, lost or given away rather freely. Money is the backing of a government and promise to honor a means of trade without having to rely on goods. At one time, cash and money was one and the same. Then came the banking system, and computer transactions. Think about it. If a Millionaire went an bought a $400,000 car – do you really think he is going to bring a briefcase with $400,000 in the dealership? No, he is going to write a check. That check is a promissory note of $400,000 that authorizes the bank to take that money and give it to the dealership. Now, do you really think that banks send large sums of money to each other? In a time before computers – yes. There would even be $100,000 US Notes that could be used to purchase something. These were typically used between banks. Now, it is a simple modification of a computer system and databases. Already – most of the money that transfers and used in commerce is digital. So what are the reasons for not going cashless? Well continue reading

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Week 27 – 2014

This was a busy week. The first of the month fell in this week which will explain why. I was out most of the days in some degree, and had been a bit busy throughout. First, I spent a little on my credit card to get new socks and briefs. I was lacking in socks without holes, and my briefs were falling apart. I swear though, underclothes are getting too expensive. On the first, my benefits came, although there was some delay. I was able to address most things quickly though. I paid my rent, and electric bill. I then transferred the rest to my two Capital One cards. The Quicksilver got the money for the phone bill, and Internet service. The reason for this is because this card provides a cash back on purchases made. While nothing to brag about, it is better than nothing. However, even though I paid the bills before the banks open on the first, the money didn’t get recognized until the third.

I also decided to buy a new phone. I of course used T-Mobile’s EIP in-house credit which seems to rival my two credit cards put together. This is rather depressing, but I am not complaining. I was considering trading in the old phone for credit to the new phone, but they only wanted to offer me $20 for my near perfect condition Nexus 4. For that T-Mobile, FU! Needless to say, I kept the Nexus 4. It is now being used as a house phone which therefore retires my old cordless phone from service.

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2014-01-31

Not much happened today. I received my benefits which was then used to pay my bills. My electric bill was higher than I would have liked, so I wasn’t able to put as much as I would have wanted on my credit card. Obviously my minimum balance is still paid (minimum×2+Interest+Monthly Recurring). Alexis got her new SIM card active so she is now able to use her new phone. In addition, the dogs got a walk today, and the pipes unfroze.

Not much else happened today. And no real plans for tomorrow. I will have to walk the dogs as expected, but otherwise – nothing much to go on. Sometime this weekend, I will like to do my laundry, but will wait until after I see my brother, or on Sunday, whichever is to come first.

2014-01-28

Today could have been a better day. UPS came, but the driver couldn’t locate the phone which was out for delivery. I didn’t expect it, but it would have been good to have it nonetheless. The driver however took back the USB hub that I had returned. After the failed UPS delivery, I let the dogs out so I can leave for my dental surgery. I had to get my wisdom tooth extracted and since the tooth was impacted, it was an outpatient procedure. The surgery took about an hour, and I had a prescription for anti-biotics which I will start tomorrow.

After the procedure, I went to my Andrea’s to collect the last month’s phone payment, and it also had a minor payment towards this billing month. They also told me of a problem which I had helped in resolving. After leaving Andrea’s, I walked to the local Rite-Aid in Bloomfield to get my prescription filled, and get a couple of cans of soup since I should be on a lite food diet for a few days (so the extraction can heal). I then had to wait about 20 minutes for a 54C, and another 20 minutes for the 4. I left home about noon, and got home about 5:30PM. Obviously with the pain, I wasn’t in the mood for much of anything.

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2014-01-22

Not much happened today. After sending the post dated blog posting for yesterday, my brother stopped by and gave a small amount for the money he owes me. In addition, this afternoon, someone else that owed money came by and dropped it off. Against my better judgment, I walked the dogs. The walk end up being shorter than I would have done as the cold affected them. They were happy to get home, and warmed up quickly. I also did some personal documents, and watched a couple of videos.

As for plans for tomorrow, I will have to go to deposit money in the bank so it could be transferred to my credit card. The money I have collected is about the amount that I will have to cover about half of the total amount of credit I used on my card. This should hopefully impact it in a way to reduce the amount of interest I will have to pay. I will also have to go to Downtown to get some documents addressed. I will return home to finish everything off, and will have to send the documents in the mail. I doubt it will be warm enough to walk the dogs though tomorrow. In turn, I will give them opportunity to play in the back for 5 minutes at a time.

A Nexus 5? Not from T-Mobile

T-Mobile decided to offer the Nexus 5 16GB model for an easy payment plan of $42 + 24 payments of $17. This comes to a price tag of $450 + sales tax. However, this is a serious issue, especially when you consider other factors.

First, if one was to pay full price for the phone upfront, they will have to pay $450+sales tax. At Google, the 32GB model is $50 cheaper than what T-Mobile will sell for the 16GB model. And since they may no mention of the 32GB model, I will only presume that T-Mobile does not wish to sell a Nexus 32GB for $550 which seems to be what T-Mobile will likely do. However, this major discrepancy of price is not the only issue.

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2013-08-29

Not much happened today. I received money that was owed to me. I in turn, took the money to the bank to deposit it. Those funds were then used to pay my electric and ISP bill. I also went to the grocery store to get a couple of things that was needed. I was able to do everything in the hour before the next Troy Hill came back.

Not much else happened today. As for plans for tomorrow, I will be home for the most part. I will be paying my rent, T-Mobile bill, and my Capital One bill. I am hoping to be able to get the extended warranty on my PC in the next week. I will also have to make a phone call or two which I will hopefully be able to do in the morning.