Financial Update: Free (Bill Pay) At Last!
So I've been sucking up these charges for my Bill Pay account at Wells Fargo every month for a few years, and like everything, those fees recently went up. $6.95 a month! I still think this is a service that is worth the cost, because you save a good bit of money just in stamps, but other places offer it for free. I started using my credit union's bill pay service, which I didn't have to pay for, but I grew to hate it. The interface was okay, but the sticking point for me was that it treated each type of payment individually. E-payments were immediately deducted from my account, payments to businesses that were sent as checks came out three days after the check was sent, and (I just found out) payments sent to private parties weren't withdrawn until the person actually cashed the checks. It drove me batty, and I could see it rapidly spinning out of control. I called to ask if there was any options, and the customer service rep laughed at me. For real. And it wasn't one of those "I understand the boat you're in" kind of laughs, it was a snide chuckle that wasn't meant for me at all.
So.
I sheepishly called up Wells Fargo, as I should have a long time ago, and asked them if they could just wave the Bill Pay fees. Sure, they said. (That dull thud was the sound of me smacking my hand against my forehead). They upgraded my checking to a (free) souped-up account, and I then had to open a savings account and automatically deposit $75/month into it, but I'm also able to set up a second auto-transfer to put the money back the next day, so it really wasn't an issue. I asked Dustin, the nice guy I was working with at Wells, if he could give me back some of my old service fees I'd paid into Bill Pay, and he said he could go half-way, and then hinted I could probably get more back if I sent a letter or something, which I'm not interested in doing, because half is fine.
A while ago (I can't find the post!), I noted that Wells Fargo had drastically improved their customer service, and they seemed to have kept up this commitment. A few years back, they were jerks. I was too young and too indebted and too uncertain of my finances to switch accounts, so I stayed. I'm glad I'm with the new and improved Wells Fargo. They're still a big bank, so there's still issues with their fee schedules, especially with lower income people, but they have a really fantastic online interface, and they've really improved their customer service. I'm now officially happy to be with this bank.
Workout Update: End of Week 5 in Body for Life!
End of Week 5! Or almost. Things are going very well. I hit every workout this week so far, although I have to say, last night was rather hellish. I slept very little Wednesday night and I was just dragging myself through the day. Despite the overwhelming feeling of this sucks, I got into the gym for a quick run. The run did not go well, but I feel better for having done it. I definitely need to switch to biking for a week or two, however, because I'm starting to develop some shinsplints.
I'm just over a third of the way through the program and I'm starting to see benefits. My shoulder, arms and pecs are definitely getting larger and more defined, and I think my stomach is trimming down. I can see that by the end of 12 weeks in this program, I'm going to be looking pretty damn good.
I actually bought a huge box of the Myoplex Lite nutritional shakes a couple of days ago. They're discontinuing the double-sized packs at GNC (42 servings), and so I got a great deal. I got the box for ~$50, and I have enough to see me through a month. This will allow me to decided if they actually have a positive impact on my eating/workouts. So far? They taste good (I have the chocolate), and I like them for mid-morning and mid-afternoon 'meals.' They seem to work well--better than a snack, easier than real food.
That's basically it! Writing is going well. I got the thesis advisor I'd hoped for. He's very smart and has good, no B.S. insight into my work. We're going to meet in a week and he's got a reading list for me for over the summer.
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