Give Me Back My Five Bucks

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If you won $1 million, what would you do?

  1. Scream and jump up and down.
  2. Call my boyfriend.
  3. Scream and jump up and down some more.
  4. Pay off all debts. ($7,000)
  5. Max out emergency fund: 6 months worth of income. ($18,000)
  6. Buy a new 2 or 3-story detatched townhouse in my city. ($400,000)
  7. Buy the dream car: Mini Cooper S convertible. ($45,000)
  8. Take distance education courses to obtain my B.A. in Communication Studies. ($20,000)
  9. Set $$ aside to go travelling once I’ve obtained permanent employment. ($10,000)
  10. Talk to a trusted financial advisor, and invest the remainder. ($500,000)

That’s what I would do. What would you do?

Dear Visa: what’s going on?

This is strange. So I bought my computer last Sunday. A few days later I went to check my Visa online. I saw that the entire $3100+ was pending, and the available credit reflected that amount. But it hadn’ t actually posted the transaction yet. That seemed normal. However, now all of that credit has been released (the CC is back to its original amount of ZERO), and I don’t have any money pending. What happened? How did it go from reflecting the purchase on my card, to no sign of the purchase at all? And according to FedEx, the package has been shipped and is set to arrive on Tuesday, so my payment must have gone through (otherwise they wouldn’t have shipped it) … maybe it’s too early in the morning, but I’m in total WTF-mode.

Maybe my wildest dream has really come true – there was a glitch in the system, and I’m really going to get the computer for free! Oh, wouldn’t that be the greatest thing in the world? Sigh, but it’s probably not true. Visa’s probably just teasing me. Damn you Visa, DAMN YOU!

Medical coverage and my looming surgery

I’m on my boyfriend’s health care plan from his work. So the plan costs approximately $100 per month to be on for the both of us (which is still cheap as hell), but he only has to pay the taxes on the cost of the plan. So taxed at a rate of 22% (it gets taxed as income on his paycheque), it only costs us $22/month for full health care for the both of us, including dental, and a $35 deductible on prescriptions. The prescriptions alone are worth it.

Anyway, the reason why I bring it up is because next Wednesday I have to go in for my wisdom teeth surgery. I know, I should have gotten it done a billion years ago … but I moved for University before I could even really think about it way back when I was 17. The surgery without health care would cost over $2,000, but it is fully covered under my medical plan … all except the general anesthetic, which I’ll have to pay $200 for, because apparently it’s not considered “essential” to the surgery. It’s a far cry from having to pay $2,000, but considering it a non-essential is pretty bold. I mean, would anyone in their right mind have their wisdom teeth taken out without being put under? Honestly, it seems so ridiculous.

There goes another $200, plus any lost wages from days I miss off work … damnit!

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