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Posts tagged with: service

Financial Injury Report… Part II…

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When it comes to cars, I have a poor track record.

Sure I get my oil changes, my tires rotated, and every once in a while, I’ll throw in a radiator flush when the service guy nags me enough, but that’s pretty much where it ends.

I’m more of a reckless, fix it when it makes weird noises kind of gal.

This always worked when I was in college – but maybe that’s because dad was always there to ‘borrow’ my car and bring it back a few days later after he paid a mechanic to clean up my mess.

After I graduated, I bought a new car and with that, bought myself out of any service requirements for at least 50,000 miles (in my mind anyway).

Unfortunately for me (and VERY fortunate for my car), my husband believes in regular maintenance. Both our cars hit 60,000 miles this month and he scheduled maintenance on his truck this month and mine next month.

He worked with a family friend and was able to get the service done for $300. As I was figuring out where to pull the $300 from in our budget, the lovely state of California sent his truck registration bill of $295 – the fee unexpectedly raised yet again from last year (Thank you Arnold Schwarzenegger).

My husband and I were both able to work some odd jobs this month – thank goodness! – and should have most of it covered. But this week is turning out to be one expensive week!


Recognizing Good Banks…

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Based on my current experience with Bank of America, it’s been easy to rant about bad banks – especially when articles like this surface. Unfairly, I have failed to share the good with the bad and have not adequately praised those who deserve it.

My sister and I were discussing our choices in mortgage lenders last night and were both surprised at how pleased we were with Wells Fargo (Her first mortgage and my home equity line are with Wells Fargo). And yes, we talk about stuff like that. Today’s topic at lunch? The differences between revolving and installment accounts and their impact on credit scores – oh, and the wow factor of that good looking guy from New Moon.

Wells Fargo’s service over the last three years has far exceeded my expectations. As an example, I had a concern about my account a few months ago and wanted to talk to a Wells Fargo representative. The representative, John, resolved my concern kindly and quickly then gave me his phone extension if I ever needed to call again.

I’ve heard about movements to convince consumers to pull money out of big banks and move it to small local banks. It sounds like a good idea… but I’m not planning on removing my Vice Grip clasp from Wells Fargo anytime in the near future. If I could, I’d move my first mortgage to Wells Fargo because I feel a connection with them. I feel valued. Sometimes I pick up the phone to call John to invite him to a summer BBQ before I remember John doesn’t live in California and he’d probably be a little more than creeped out that the lady with the endless questions from San Diego wants to spend time together.

Maybe you love Bank of America. Maybe you hate Wells Fargo. Maybe you hate them both and love your local credit union. It’s not about big or small banking; it’s about where you feel at home.

Banking is about feeling valued. If you don’t feel valued, it’s time to move on.


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