Coffee heat rising

Return Policies: It pays to shop where they’re generous

Yesterday, at Frugal Scholar‘s repeated urging, I returned to Costco’s optical department, bearing the goggle-like glasses I’ve disliked so vigorously. As you may recall, the progressives work adequately for watching TV (which I rarely do) and for eating dinner, but I can’t read sheet music for choir through them, or much of anything else; the “intermediate” pair the optometrist proposed to take the place of a pair of glasses that worked fine for reading and computing is more or less adequate for the computer but I can’t read a book or a newspaper through them.

The optician proposed to make a new pair of lenses for the progressives. Tentatively, I asked if there was any chance I could get my money back instead, since I’d had to buy another pair somewhere else.

“That’s your choice,” said she.

“Well,” said I, “I’d rather have my money back, if that’s possible, since these new glasses I had to buy were pretty expensive.”

Amazingly, she agreed to refund the entire cost. But it gets better!

“Is there any chance I could get my money back for the other pair, too, since I can’t read through them, either?”

To my astonishment, she agreed to that, too!

I walked away with $283.96 credited to my American Express card.

What’s staggering about this is not just that they returned my money for something they can’t resell. It’s that I bought these glasses LAST NOVEMBER!

Can you imagine? I still can’t, and I watched it happen.

This refund erased the $94 worth of red ink in this month’s budget and put me $151.46 in the black. I then bought $82 worth of groceries and household products. leaving me about $70 to the good.

Today is the 9th. I bought gas over the weekend, which, since I’m not driving around much, should run the car for another ten days. The grocery run provided enough food to last, probably, until the end of the budget cycle on the 20th. I may need a head of lettuce, but that’s sure not going to cost seventy bucks.

So. Despite overspending the budget this month, I come out unscathed.

It really does pay to shop at stores with generous return policies. With this sort of customer service, Costco has made such a fan of me that one little troll, gorged on troll kibble (I buy it at Costco, of course), decided that Funny must be a paid shill for Costco.

I wish. But they certainly have me coming back.

In contrast, I try to avoid shopping at stores that won’t let me bring back unsatisfactory items. I rarely go into Fry’s Electronics, for example. They have a one-month return period, and although they’ll eventually give you back your money,  in the past I’ve found it’s quite a hassle to engineer a refund. The useless vacuum cleaner, whose replacement is the main cause of this month’s budget overrun, was purchased there over a month ago and so can’t be returned. The new vacuum came from Costco. You can be sure I won’t be buying much from Fry’s again.

B’Gauze, one of the few stores that carries clothes that fit and don’t look just hideous on me, accepts no returns at all. Consequently, the $700 spent on the late great shopping spree went to J. Jill, not B’Gauze. Women’s clothing is weird stuff: it can look OK in the store, but when you get it home and look it over by the light of reality, you’ll find it doesn’t actually fit very well, or it’s shoddily made, or the red dye rubs off on your white pants. So when a clothing store refuses to take returns, it discourages one from shopping there. I never buy more than one or two items at a time from B’Gauze, and my trips to the store are few and far between.

Paradoxically, then, a generous return policy works as much to the store’s benefit as it does to the consumer’s.

Sidestream Income: Have you read this guy’s amazing story?

Good grief! I’ve just been browsing around a site called Deliver Away Debt. This guy decided he was going to pay off his debt by throwing sidestream income at it. The stream? Delivering pizzas.The blog is the story of his adventures in this quest.

Each month, he details his daily earnings and then totals them up. The man is earning $1,400 to $1,800 a month moonlighting 22 hours a week!

You realize…$1,500 was what I netted in 80 hours at a mid-level university administrator’s job, with a Ph.D. and 30 years of experience. LOL! Another boat missed. 😀

Glorioski!

Deliver Away Debt is a member of the Yakezie challenge. He just published 600 Money-Saving Tips that he personally gathered from his fellow Yakezites. It’s quite a compendium!

Image: ElfQrin (Valerio Capello). GNU Free Documentation License.

Emergency Preparedness for Your Pets

Left behind in Hurricane Katrina

What with tornado season bearing down on the South and the Midwest and earthquakes rumbling along any number of Western Hemisphere faults, most of us think now and again about emergency preparedness. While it’s crucial to get the people out harm’s way come flood, wind, wildfire, quake or terrorist, the televised sight of all the dogs and cats left behind in the New Orleans flood was heart-rending. Many shelters turn away pets, and even if you find a place that would let your bring your animal on principal, would they really accept your pit bull?

The Pet Evacuation and Transportation Act, signed into law in 2006 by President George W. Bush, requires the Federal Emergency Management Agency to accommodate domestic animals in its emergency and evacuation plans. The government has a disaster readiness site that advises citizens on emergency preparations. Even if you don’t keep a pet, the main page directs you to advice on stocking supplies and navigating your way through an emergency. Where your animals are concerned, a few ahead-of-time strategies can help.

First, be sure your pet can be identified. Microchip the animal, and dress it in a collar with an ID tag.

Plan to take your pet with you if you have to evacuate. However, bear in mind that few shelters will accept pets, and so you may have to make your own accommodations. Keep a list of nearby pet-friendly hotels in your emergency kit. Several websites provide leads to hotels and other amenities that allow dogs and cats; Dogfriendly.com is just one of them.

Confirm in advance—now, not after a disaster strikes—that listed hotels actually do accept pets. And keep your list updated, as these policies may change.

Map out several escape routes, and be sure your lists include pet-friendly lodgings in all the possible directions you might go.

It’s also a wise idea to build a list of veterinarians and boarding kennels in nearby towns and cities. That way, should your pet be injured or get sick, you won’t have to scramble to find help once you’re out of harm’s way.

When you prepare your own disaster kit, include first-aid and survival items to cover pets, too:

A supply of any meds your pet takes
Ample first-aid supplies
A carrier for each animal
An extra leash and collar for each pet
A week’s supply of bottled water for each pet
A week’s supply of food for each pet
Dishes to feed and water animals
A can opener
Dog beds and toys
Blankets
Cat litter and box for cats; newspapers for dogs

Some people suggest packing canned or moist pet food, as this reduces the pet’s need for water. Bear in mind that abruptly changing a dog’s diet can induce diarrhea, not something you want to have to deal with in a traffic jam. If you live in a disaster-prone area, it probably would be a good idea to feed the dog routinely with whatever you would want to take with you in an evacuation.

Work a deal with a neighbor to care for or rescue each other’s pets if one person can’t get home during an emergency. Be sure your pets are familiar with these surrogate caregivers, and supply your neighbor with the same information you’ve created for yourself, let her or him know where you keep the pet emergency kit, and provide signed permission for veterinary and guidelines to financial limits for such care.

When a state of emergency begins, bring your pets indoors. If there’s a great deal of noise or other stressful conditions (as, for example, in a tornado), separate the animals so they do not harm each other in fear. If at all possible, crate each animal separately, and keep them crated if you have to evacuate.

After the emergency passes, keep an eye on your pets. Domestic animals are likely to be disturbed by changes in the environment, including scattered debris, puddles, and other aftermath. Wild animals, also, are highly disturbed and may appear in your yard, where they can confront your pets. Snakes and other creatures may be borne into your area on flood waters.

If you’re forced to leave your pet behind, secure the animal in the safest part of your house and be sure to leave an ample supply of fresh water—possibly twice as much as you think necessary—and plenty of dry food. Leave messages on your doors and windows letting rescue workers know pets are inside.

Have you had experiences with caring for pets during natural disasters or human-caused emergencies? What preparedness steps would you advise?

Image: Rescued dog hiding under a house. Katrina Dog Rescue.

Funny Joins the Yakezie Challenge

Yakezie-symbol

Lookit this spiffy golden clover! There’s one over on the right sidebar, too. Designed by Eliminate the Muda and CJ Bowker, that’s the badge of the  Yakezie Challenge, a network whose members try to break 100,000 in the Alexa rankings.

This scheme the brainchild of Financial Samurai, who promises that all proceeds generated by the group’s site will be donated to charity.

The goal is simple: build traffic. Says Sam:

If you’re outside of the top 200,000, get in the top 200,000 within 6 months. . . . If you’re already in the top 200,000, get in the top 100,000. And if you’re already in the top 100,000, get in the top 50,000.

Funny’s Alexa ranking is at 212,477 today. It’s been rising slowly since I signed up for Alexa about ten days ago, although it’s off from April, when a large spike in traffic pushed the ranking into the 100,000s. (The lower the number, the higher your ranking.) I’d like to keep traffic up at a constant level in the “spike” range—the site cranked money during the two or three days the spike lasted. And every dollah Funny cranks is a dollah closer to freedom from those de rigueur freshman comp courses! 😉

Several of my friends, most notably Crystal at Budgeting in the Fun Stuff, Mrs. Accountability, and Jackie at Money Crush, have urged me to quit dragging my feet and sign up. Apparently there are now around 80 members—to see who they are, check out this page.

So! I’m psyched! Can’t wait to see what happens next.

A$k and Ye Shall Re¢eive

A small mercy: The air-conditioning guy returned to the downtown house to fix the rattle in the motor he’d installed in the swamp cooler. As you may recall, they clipped us to the tune of $500 for that job, something that frosted my cookies because the guy showed up when neither of us was there (the roommate was in the offing) and they didn’t bother to call and let us know how much it was going to be.

Although a swamp cooler is vastly cheaper to operate than refrigeration, $500 is way, way more than the cooler will save on electric bills this summer. If M’hijito had known how much they intended to charge, he would have told them not to do it.

Then about three days after the work was done, the thing developed a rattle. So I called and bellyached. They said they’d send him back to fix it, free of charge. Last I heard, the thing was working OK.

Sooo… Friday evening along comes a bill in the mail: $85.

Ever notice how announcements that agitate you always arrive on Friday, about an hour after the close of business hours?

In-freaking-furiating! The main reason I’m $94 in the hole right now is that the dentist and the air-conditioning guy joined forces to clean out my checking account last month.

So I called and pointed out that they didn’t leave me with enough cash to pay this bill, and besides, they said they’d get the job done right without charging us for it.

She said, “Just void it!”

Done!

Whenever you have a question about a bill or—let’s be frank—get even a whiff of a possibility that you can work a better deal for yourself, A$K! Merchants do want to keep your business, and they often will try to give you a break if you have a good argument for it.

Frugal Scholar reminded me this morning that everyone has been urging me to take the unfortunate progressive glasses back to Costco and ask for a refund. Since I paid for them last November, I kinda doubt they’re going to do anything for me. But at her urging, I’ve decided to try it.

What can they do? Throw me out of the place? I doubt it.

The worst that will happen is they’ll tell me “no,” and then I’ll wander off to the cooler room and buy the bottle of orange juice I need.