Marshalls Comes to Longview, WA

Marshalls2024Months ago I was made aware that where Bed, Bath & Beyond was once located, Marshalls would soon take its place in the Triangle Square shopping center of Longview, WA.  Photo by R. Jackson, moderator of The Diamond Press.  All rights reserved.

Shoppers will be treated to new shopping experiences that would bring them a variety of merchandise to choose from and at competitive and cost saving prices.

With only a handful of retail options, it is hoped that this paves the way for other popular retailers to bring new shopping alternatives to the small town.  As it is, our options are very limited when we are talking about shopping for family and friends, and household goods.

We have to take into consideration that not everyone can afford high end merchandise, therefore with Marshalls preparing to open its doors soon, is a breath of fresh air.

When we think about where we can find quality items without having to jump on the highway and drive for hours to the next shopping mall, we rely on stores like:

  • Big Lots
  • Fred Meyers
  • JC Pennys
  • Maurices
  • Ross Stores
  • Target
  • Walmart

…and a couple of boutiques downtown Longview.  But let’s be honest here, Marshalls is what the town needs.  Something new.  Something exciting.  A popular and major retailer coming to a small town that whole family can enjoy.  But it is certain that it will not be without putting security measures in place to protect both goods and customers.

There are a host of eateries and tattoo shops, but as I was driving around town last Thanksgiving, it occurred to me that the town lacks shopping alternatives.  After a while, one gets tired of going to the same place, seeing the same things, and feeling discouraged because of the selections that are sometimes not up to par, or too overpriceded…there are not a lot of options available for one to choose from.

Lets hope that we can see more retail stores find their  way to Longview, WA as a prime location for more shopping alternatives.

Tech Diva: The Motorola G Power, Reviewing the Pros and Cons

Coffee TalkHello…Hello…Hello…today I am reviewing the Moto G Power cell phone by Motorola.  The first and last time I owned a Motorola cell phone was when they came out with the Razr several years ago, and if you remember, if you had that phone your friends thought you were balling, because the Razr (according to some) felt it was Motorola’s top of the line phone with its slim and sleek design.

Today Motorola is hitting the market with lines of cell phones that has some people raising an eyebrow and creating talking points about their phones.  If you’ve been paying attention they recently brought back their Razr which I understand has a low end and high end price tag that depends on where your purchase the phone, and if you get one unlocked.  I have seen them priced over a thousand dollars. 😮

The only reason why I even got the phone is because I made up my mind that I wanted to get away from the Samsung Galaxy family for a while and try something new outside of my spectrum of phones, and the fact that I did not want to stay with Sprint.  I eventually decided to port my number to Xfinity’s mobile network whom at the same time had a deal going on where you could get a Moto G or Moto G Power, so I was able to get it and paid very little at the time.  After I received the phone, I ported my number over successfully and completed everything online. I was not prompted to into the service center. 

I admit, I was skeptical at first because I was not sure what I was getting myself into and it took me a few days to even make up my mind to actually switch providers and get the phone or use my Samsung S8+ (now fully unlocked).  At the time I got the S8+ I was under the impression it was a new phone but later found out it was refurbished.  I gave Sprint a piece of mind about that because they tried to argue with me about it until they read in my account what they sent me.  Talk about the nerve of them!

So, let’s talk about what I like and don’t like about the phone. 

First thing I noticed when I received it, the phone does not come with headphones.  And I know good and well Motorola can afford to put headphones in the box of their phones.  Wait…let me think about this….I don’t thin the Razr I had came with earphones either. 🙂  Second thing I noticed was the weight.  I’m ok with the weight, just says I have a meaty phone. The phone, in depth, length and width, is larger than the S8+.  It’s easy to grip and handle and I don’t worry about it slipping out of my hand.

Actually screen size is not that much difference in size of the S8+, and it is clear and crisp.  However, I did have to set it so it would not automatically dim because I wear glasses and at night I need to have my phone slightly brightened for good readability.

Moto G Power-2The phone does not have a dedicated gallery outside of using Google Photos, so I thought that was a bummer.  If you download photos from Facebook, take screenshots, take pictures, they will store to the internal storage of the phone, however you have to use Google Photos in order to view them, or go to your Files app.  What I found to be disappointing is in Google Photos you cannot actively move photos from one place to another.  You will have to do it through the Files app, otherwise you would have to connect your phone to a desktop or laptop to move photos to where you want them.  You can use the Files app to move files to and from the internal storage and the SD card, so Motorola does give you that advantage. 

The G Power does not come standardly equipped with your usual apps like Spotify, Amazon Shopping, Facebook, Notes, or other apps you would usually see pre-installed on a phone.  I had to download these apps and other apps I regularly use, including Instagram, a notes app, a health app, my car insurance app, credit card services app, Amazon Prime and Kindle, and other apps I use.  The size of the internal storage being 64gb is a plus.  With all that apps I have downloaded so far, I still have over 34gb remaining, that means I’ve used almost half of the storage space in the short time I’ve had the phone, and the phone still performs well.

I have not had too much of a reason to use Motorola’s Gestures, but you can do things like set a power touch, and swipe to split screen.  If I find a need to use it, I’ll come back with a mini review of what I thought about it.

I don’t like the camera! I am just going to come straight out and say that now. I think Motorola could have done a whole lot better with it’s performance capabilities.  It sucks at taking photos whether you’re using the front facing for selfies or the rear facing.  It’s a poor quality phone period. 

You cannot take a selfie without it starting out to be a really good photo then processing to the absolute worse, and then trying to use editing features that do not do anything for the photo.  The two things I do like are the two blur features because one is in color and one is in black and white, but depending on how and where you take the photo, you don’t even get the blur features.  For example I had recently taken two photos that were exactly the same, in the same setting and everything.  The blur features were only available on one photo.  Imagine how ticked I was because I could not do two different editing styles like I wanted.  

I saw different reviews in how they had good things to say about the camera, and I think one review that had very little good things to say about the camera.  Understand, I’ve had this phone almost a month and noting I do makes this camera work any better…it just sucks.  I go to my Samsung tablet for better quality selfies, and transfer them to my G Power via email.  I edit them using the blur features (when available) and save a copy to preserve the original photo if I need to. 

The one cool feature about the phone is you can lock your home screen, shake your phone and the camera app will open.  The phone is not overly priced depending on where you get it, but still, Motorola could have done better with the camera to make it more affective.

What I want to know is why is Google charging a $1.00 subscription fee to unlock editing features that do absolutely nothing?  I don’t understand their reasoning.  Even if they are giving you 100gb of storage, they should up the quality of their editing tools if that’s the case.  

The call quality of the phone is good, volume level is excellent.  I can be anywhere in he house and hear my phone go off.  However, I don’t like where the power button is only because of how the cases are made with that flimsy little part that is going to wear and break off, especially if you’re just using a plastic case.  I may have to spring for a more sturdy case to avoid that happening.  For now I just got a plastic clear one to keep from scratching my phone.

You can add a them to the keyboard, not something I’ve seen in all the years we’ve used Samsung Galaxies and you can change the layout of the numbers pad as well, it’s remember how to change it back that took me a minute to figure out how to do.  

The batter life of the phone seems to be alright.  I can go a whole day into the next morning without having to put phone on the charger.  It does depend on how much I used my phone during that day and if I took photos, shot a video, or talked on the phone.  I use the battery optimizer to avoid certain apps that run in the background from taking up too much batter life, so that helps to preserve the batter as well.

Other issues I have run into are that the phone has frozen a couple of times in apps I were using.  It got stuck in texting when I was attaching a photo and it got stuck in using an email when I was downloading a photo.  I had to restart the phone each time to unstick the apps.  And there were periods where the phone was not connecting to the network because a couple of times people have tried to reach me and the phone went straight to voicemail, and there was a time I was talking to my mom and the call dropped off the network and I lost the call.  Very frustrating!  I do plan on contacting Xfinity to determine the quality of their network to be sure I made the right decision choosing to switch over to them as a carrier, especially when I am getting ready to travel in the next coming weeks.

It took a little bit of learning how to navigate the phone to determine its best use in terms of what my expectations are for having a good phone that performed on a level that is to my liking.  I am not super impressed with phone only because there are too many things I feel Motorola missed the market on this phone.  If people paid $300 – $500 or even more for this phone they are getting ripped off because it is not worth more than $200. It is not considered a high-end phone with all of the bells and whistles.  I’m sure if my late husband were still here (because he bought me the Razr when it was in its hay day), he would have plenty more to say about the overall quality of this phone.

In closing, I reviewed this phone based on my overall perspective and opinion.   Aside from good phone and volume quality, and ok battery life, I would rate this phone as adequate.  If Motorola is going to do any serious system updates to the G series, they need to start with its connectivity and majorly update the camera to have better quality, and they should consider a stand alone gallery where you move photos and videos around.

If you thought this post was helpful, please like and feel free to comment below.  If you’re using any of Motorola’s current devices, I’d like to hear your thouhgts.

Money Matters: Struggling to Save Money? Why a Good Budget Plan Can Positively Impact How Much You Can Save Monthly

DISCLOSURE:  I am not a professional financial advisor.  Information provided in this post is for informational and reference purpose only and is not considered financial advice.  I am not licensed or trained to provide any financial guidance.

Are you struggling to save money each month?  And do you feel that your current savings plan is not working?  This is how I felt after my late husband passed away in 2017.  I was on the road of actively trying to save money to get back on my feet.  When I came up with a savings plan once I started working in Washington State after I left California, I immediately realized that the new savings plan was not as affective as I would have liked it to be.  I kept hitting road blocks and was falling short of my forecasted savings goal.  After my job promotion I was able to create a new savings plan and — for the most part — I thought I was on a good path, that was until I received a new budget worksheet in a newsletter my bank had put out and I received in my email.

I reviewed the budget worksheet and did not think I needed it.  The more I thought about I went back and took a second look at the budget worksheet. I downloaded, plugged in some numbers, and the end result — even with my already established savings plan — that I was going about this savings thing all wrong!

The way the budget worksheet is set up, it looks at your:

  1. Monthly net income
  2. Household expenses
  3. Entertainment expenses
  4. Your wants and needs
  5. Where you are falling short and where you have wiggle room
  6. And what you should be saving monthly

It is a broad snapshot to help you stay inside of an active budget plan and chart any additional expenditures that are  considered a regular expense or a last minute purchase.

I took it one step further.  I broke the budget worksheet into two payroll periods based on my current pay cycle.  Because I tend to work anywhere from 20 – 35 hours in overtime per payroll period, I averaged what my net payroll for that period is going to be.  From that amount, I total what expenses come out of that pay.  That includes:

  • Cable
  • Credit card payments
  • Software memberships
  • Amazon Prime memberships
  • Utilities
  • Car insurance
  • Technology lease payments
  • Technology memberships
  • Vision insurance
  • And other family entertainment subscripts I have

Subtracting these expenses from my pay for that period provides an estimated balance over a thousand dollars.  From amount, and based on what the projected monthly savings should be per payroll period, this budget plan (if followed to the number) can help to allocate $220 – $250 transferred to a savings account.  What’s left over can help to pay off expenses that are considered non-negotiated expenses to get them out of the way, leaving a “cash on hand” balance.

Keep in mind that careful spending still has to remain a priority to avoid over spending when following an affective budget plan that can increase your monthly savings by more than 50%.  With the extra that is left over, after all bills have been paid during that period, and the allocated savings amount has been transferred out, it is not a green light to run and go on a major shopping spree.  In fact, it forces you to really look at your spending habits and where you can do better in terms of being able to keep money in your bank account.  Following a plan of this magnitude shows your what your spending habits have been and what positive impacts a well developed budget plan can have.

Followed closely, it could provide you with a savings of up to $500 at the end of each month, especially if you have other options set up on your account to transfer money to a savings account.  Although savings strategies vary with each individual and their monthly income.

Having said that, by following this budget plan, I created two budget plans for the month, and have been able to forecast out to the end of the year of what my savings goals are, establishing that not only will I have an increased amount going into a primary savings account, but will also be able to set aside a separate Holiday fund.  This is a milestone in meeting major savings expectations.  But you have to be realistic in what your savings goals are and think logically if you can meet those goals by setting aside what you are anticipating a doable plan.  If you find that financially, you cannot meet that savings goals based on the strategy you’ve establish, revisit it and determine if you can go another route.

Some banks allow you cash back on purchases that goes into a savings or back into your checking account, and some allow you to set up a specific amount that can be adjusted at anytime that is to be transferred to your savings account for every purchase you make in a day.   For example, if you made 6 purchases in one day, $12 will be transferred to a savings account.  You may be required to keep a daily balance above a certain amount in order to meet the transfer criteria.  Key Bank requires customers have an Active Saver Account for this type of transaction and primary checking account balance must be at $50 or above.

Another reason why having an effective budget plan in place is important, it allows you to create a nest egg for yourself or have emergency funds set aside if an emergency arises.  You can also think about something that you have been wanting, or that vacation you’ve been wanting to take, or what about an investment you been wanting to make, actively having automatic transfers to a savings can help you establish and meet specific goals to do the things you desire to do without necessarily breaking the bank.  This effective savings pattern can help you pay off credit card bills and use them a lot less.  I have been able to put away two credit cards a debit card and have a set amount per month to help get them paid off before end of the year and automatic transfers to the debit card twice a month, set at a certain amount.

In closing, it takes a lot of discipline to get and stay on a savings plan that starts with having an effective budget plan in place.  If you are continuously hitting pitfalls in your savings plan, consider re-evaluating what your methods are to determine where changes can be made.  It can help you identify some keys points that you did not realize were affecting your ability to save more than you have per month.  The numbers can be staggering when you realize you can cut corners in how you spend in order to successfully pay household expenses, set aside a certain amount to savings, and what’s left be to do the things you need to do and even decide to transfer an additional amount to savings, which is not a bad idea.

Contact your bank or financial advisor to determine if they offer a budget worksheet or if they can assist you in creating one.  If not, consider creating one in Excel by breaking it up into categories based on monthly and/or per payroll periods, and using some or all of these suggested categories, or create your own based on your specific needs:

  • Household expenses
  • Entertainment expenses
  • Wants & Needs
  • Savings
  • Savings Goals

And have a projected amount in savings you would like to have by a certain time and chart your progress. I am sure you will be amazed at the outcome.  I know because my daughter and son-in-law were able to save enough money to buy their first home and a good running car from a one of their friends and my daughter is still maintaining a credit score at or above 750. Mostly because they were able to pay off the majority of their debt to where they hardly have any.

I hope this post has been helpful.  If you liked what you read, and it provided some insightful information, please like this post and feel free to comment below.

Thanks for reading, and enjoy the rest of your weekend.

Announcement: Tech Talk Changes to Tech Diva

Coffee TalkHey there everyone.  Because I am doing a lot more blogging these days, I thought I would do a little housekeeping as well.  I changed one of the blog’s categories from “Tech Talk” to “Tech Diva” — I thought it had a better ring especially coming from someone you wouldn’t expect to be a techy person…LOL.

I am also spending a lot more time in the tech world, contemplating getting back on the scene of technology troubleshooting, repairs, and networking.  I did a lot of it years back but decided to stop because of certain reasons.  But as the world of technology is continuing to change and now we are fighting to stop cyber crimes, now is a good as any time to step back into it and do my part to help protect consumers from fraudulent activity.

Be sure you are running the most up-to-date virus protection software on your systems, and are backing up your files regularly in case of system crashes.  Nowadays you have to have a backup to the backup in order to safeguard your important files and data.

So, these are some of the things I’ll be touching on and will be sharing information.  I am thinking about a whole separate blog, so stay tuned for that.

Keep checking back for tech info.  In the meantime, I hope everyone is staying safe.

Tech Talk: Office 365 Trial Period Ends

office365I have been hearing that people who had received a free version of Office 365 when the purchased their laptop, desktop computer, or tablet received notification about their subscription expiring 04/21/21.  At best, and from I can understand, is unless you opt in for a paid subscription at the end of the your trial period you are going to receive a notification that your subscription is expiring, and while you may still have access to the Office 365 portal, perhaps 30 days after it expires, you are going to likely find that you have very limited access to what you can do with regards to saving files, sending emails and updating information.

Office 365 gives you the option to download it to five different devices with the ability to move it around to different devices.  If you have a subscription and you are paying monthly, at the end of the one year period it will be auto renewed and you continue to be billed monthly for the subscription.

Reports of Lock Out:

So basically, if you signed up for the free trial of Office 365, it’s important to keep track of when your trial period ends.  I have heard it said people were locked out or their access was deactivated and they cannot open files, make edits, save or even email the documents. 

From this point let’s be clear of what is happening.  I needed to get a clear picture of what was going on, so the more questions I asked the more the picture became clear.  So, if you had a trial period of Office 365, you had one year access to all of the perks that it offered aside from Word, Powerpoint, Excel, Publisher, and Access.  When the trial period ends and if you did not provide a credit card to continue with the service, you basically will be notified when your trial period is due to expire.  Once it has expired, and from what I read, you still have access to the account for another 30 days then after that it is deactivated until you sign up for a subscription. 

You have to understand how the subscriptions work.  I have a subscription to Office 365 Business.  I pay $8.92 a month and at the end of the year I receive a notification that my subscription has renewed for another year and I continue to pay monthly.  I can download to five devices and I can manage which devices I have used to download my apps.  You have also have the option to pay for the full year of service in advance and it will just auto renew at the end of the year.

For the people who are receiving a notification stating their trial version is expiring, or it has expired on a system they no longer use or have not used in a long time, and they want to continue using the programs, they become surprised and alarmed that that they cannot access those programs to save, edit, access or email files.  The solution is really simple. 

You are basically at the mercy of Office 365 in regaining access to those files.  But if you don’t have a backup resource, or you have not backed up your files to an alternate source other than your internal hard drive, or you have not created backup files on Google Docs, then once Office 365 has been deactivated off your system(s) because it was not set up to auto renew then you are pretty much out of luck.

Office 365 subscriptions are very easy to obtain and manage.  Simply create an account and setup your payment option to auto pay monthly or annually.  Once you have made that establishment, you can open up Word or any of the Microsoft programs and it will open up to screen asking you to sign in to the your account you used to setup your subscription, and once it has been verified during that process you will have regained access to your files.

Trials periods are just what they mean.  They are temporarily being made available to you as a courtesy.  It is ultimately your responsibility to maintain the service or feature by continuing with a paid subscription or just letting it cancel out and move on to the next best thing.

Tech Talk: Norton Email Scams and What to Look For

Last August I signed up for a total of five Norton licenses, set up on a promotional rate. In three months my annual rate will be fee will be $99. Everything was going smoothly as I was adding license to laptop systems in our home. I created a spreadsheet to track the licenses for when licenses are removed from laptops and are available. What’s alarming is not more than a few days later after subscribing to Norton 360 I received numerous emails alerting me that my subscription was due to expire and I needed to renew it at once or lost the virus protection services.

Fortunately for me, I am in the unique position of being able to identify emails that are sent from a legitimate source and from a source that is aimed at being a scam and phishing for information. There are specific ways you can check to determine if you receive an email that is bogus and is clearly sent by a scam artists who thinks they can trick you in to providing vital information that will be used to steal your information.

  1. Check the email address the email is sent from. If the email address does not include the name of the company that is clear indication that it is sent from a bogus email. Norton’s email address will either be from no-reply@nortonlifelock.com or norton@secure.norton.com and will always say NortonLifeLock, and they will never address you by name. You’ll receive a notification once your account has been setup and will come from a notification email. So, these are just of the things you can look for to determine if the email you receive is coming an authentic Norton email address.
  2. Email format. Whenever Norton sends you an information they don’t address you by name. In fact it comes over like a NortonLifeLock newsletter. If you receive an email that has nothing but block letters in different colors with some off the wall information in it, I can guarantee you that it is not an authentic email. You should not respond to anything in that email because you don’t know what is encrypted in the email.
  3. Protect yourself. Scammers try to make these emails look like the real thing often by using jargon to get you to be on alert and to want to include your information to make sure your account is up-to-date. What will happen is once you login your login details, you have just given them free pass to steal your details and get into your account and steal your information. Is this the way it happens? You never know, but it is very possible that this is how they can get your information.

When the pandemic hit, and many of us found ourselves spending more time on computers, laptops and cell phone (because nowadays our cellphone can function very much like a laptop) cyber crime has heightened and there have been more reports of identity theft where consumers social security cards, identification information, credit card information, bank accounts and other vital information has been stollen. My daughter has Victoria Secret credit cards where she paid off the balance on one of her accounts early spring 2020. Last November she receive a card statement around the same time she received her new cards because they had expired. What was so alarming is that the purchases were made on a card that had not yet been activated, and the cards were were still in their envelopes sitting on her nightstand.

My daughter acted quickly to notify the company to have the cards cancelled, the purchases investigated, and new cards issued. The individual who committed the theft purchased $120 in underwear. While I don’t recall where the investigation determined the purchases were made from, it’s the fact that the person was able to make the purchases on cards that had not been activated.

This just lets you know how cyber criminals can infiltrate your information and use it to their benefit and leave you holding the bill. The key thing you have to remember is no matter how we fight to increase our security measures to protect ourselves, there is always a way around the cyber system and if they want in, they will get in and will get your information.

What can you do to protect yourself?

  1. One of the things I do is I run my Norton regularly.
  2. Delete all suspicious emails. Do not open any emails with attachments if you do not know who it is coming from and do not click on any hyperlinks if you do not know the source of the email.
  3. Backup your files.
  4. Consider resetting your system at least once ever three to six months.
  5. Check your programs in your Control Panel for any programs that should not be there. Malware has a habit sneaking through the backdoor of your system and reeking havoc. If you locate programs you know did not come with your system and you did not download them, uninstall them at once. If they cannot be uninstalled, make sure your files are backed and perform a system recovery to restore to its original manufacturing setting. It can be a headache to do, but it will keep you from having to pay for it later if your system becomes infected and/or hacked.
  6. Be mindful of the information you store on your system that would be considered vital/critical information. Store this information on a separate storage device such as a flash drive or external hard drive.

The key is to stop cyber criminals not feed their criminal minds and make it easy for them to steal your information.

Set your virus protection software to run non-stop whether you have McAfee, Norton, or other virus protection program. Make sure it is a reputable and trusted software that you can trust to do a full scan of your system, block suspicious activity, and notify you when that has been threat and even when there is no threat.

Protect yourself at all cost. While they can try to disguise themselves to be trust email source, if you’re smart, you will be able to do identify their attempts to commit a cyber crime and commit fraud.

If you liked this post and it has been helpful to you, please like this post. Feel free to share this information if you feel it will be helpful to someone else. Thanks for reading.

Money Matters: Best Credit Cards To Date

We have online sites that help you compare various credit cards in order to choose which one best suits your credit card needs.  Outside of American Express, Capital One, First Premier Bank, and Discover — well known names that have been providing a long list of credit cards, it makes you almost wonder if many of these other ones are going to be around for long whiles these companies have a long history of meeting credit card demands.

If you’ve been watching the market of credit cards, we’ve seen new credit card companies come and go.  One in particular was Providian.  They were designed to help people rebuild their credit card history, however they were not around long enough.  There is nothing like having a credit card then receiving notification that the credit card line is going out of business or just discontinuing their credit card services. This has happened to me a couple of times.

Today, there are many credit cards available to choose from.  But when you are looking for the best one to choose from, it’s a lot of information to take in when you have to do a lot of comparison in order to determine which one is right for you and offers attractive features such as a rewards program and cashback.  Instead what you should be looking at is if you have less than perfect credit, which credit cards do not require you to have excellent credit.  This is where Capital One and First Premier Bank steps up to the plate. 

Let’s look at Capital One first.  If you do not want to apply for a major credit card with them, they do have a secured card that offers you the opportunity to make a deposit starting from $49 to $200, however you can deposit more and whatever the amount you deposit over $200, that will become your credit line.  You do not have the option to add an additional deposit later on like some other secured credit cards may offer. Let’s look at how the card works:

  • Capital One’s secured platinum Mastercard does not have an annual fee.
  • You cannot request credit line increases, however your account will be reviewed over a period of time, no set time identified as to when the account will be reviewed.  If, based on your account history they feel you have maintained above satisfactory status with the account, they can increase your credit line.
  • You do not have access to the 360 Checking Account 
  • You do not have the opportunity to have checks with a secured account
  • There are no rewards or cashback features on the account
  • The web site does state that your deposit can be as little as $49 to up to $200, however when I completed my application and was approved for the secured platinum Mastercard, I was informed that I had to fund my account with the maximum amount of $200.  I also had the option to make a higher deposit which would have become my credit line.
  • You can earn credits by shopping at select stores
  • Deposits to the account are refundable.  If you decide you do not want to continue with the card, you pay off your balance and notify Capital One that you want to cancel the card and close the account and they will return your deposit to you.
  • Even though this is a secured account, it does function like a major credit card

Capital One offers credit cards for individuals with fair credit.  One of the nice things about having their secured credit card is if you have maintained an excellent payment history they will allow you the opportunity to qualify for one of their unsecured credit cards.  You can prequalify to determine if they can qualify you for one of their unsecured lines of credit.  

After you have had your card for some time, you can try to qualify for one of the followings;

  • The Quick Silver card which has a $39 annual fee
  • The Platinum Mastercard that offers no annual fee
  • The Journey Student Rewards that offers no annual fee

Capital one will allow you to have both secured and unsecured credit card accounts.  These accounts come with account alerts, auto pay to setup automatic payments on your account.  However, the secured Mastercard does not offer auto pay setup.  I have looked into this.

For more information on the lines of credit offered, visit Capital One’s website to read more on their card’s features and to determine which card suits your needs and that you would be qualified for based on your credit history.

First Premier Bank has been around for several years offering credit cards to help consumers rebuild their credit.  I have always had a good experience with their cards, and I have accounts with a few times.  They are really good with helping consumers establish credit as well as rebuild their credit.

This is the first time that I have been in the position where I have been able to have two accounts with them, with the second account being a platinum card.  When my first card recently expired, they updated it to a platinum card, this all comes from having an excellent payment history.

What are the features of this card?  For starters, when you prequalify for the card they will tell you whether or not you can apply for an account.  Once you are approved, they base your credit line on your credit history.  After you have had an excellent  year of making your payments on time for an entire you, you can request a credit line increase.  The downside to getting a credit line increase is that they will charge you.  I believe the fee is about $25 more or less.

There are you cash back features on the cards nor are there any rewards or other perks to having a card from First Premier Bank.  The annual fee is about $45 and they will notify you when  annual fee will become due.  There is also a “maintenance fee” of some sort is charged every month.  Personally I don’t pay too much attention to it because I always tend to pay more than my monthly payment.  If I have an occasion coming up that will require hotel accommodations and car rental services, that is when I pay off the balance on one of my cards in order to use it for that specific purpose.

The thing you want to do is stay away from credit card companies that charge you to be on their “credit rebuilding program” because once you miss a payment or you become late on a payment, your low interest rate will sky rocket and late fees can add up.

There are a lot of new companies with credit cards that are said to help you build your credit, but unless you know about that company, how long they’ve been around, and whether or not they have a short life span is something you will need to look into.

Other credit card companies you can consider are Discover and American Express because of how long they have been in existence.  I call them vintage companies because they have been serving customer’s credit card needs well over 40 years.  But if you are just starting out, look at Capital One and First Premier Bank.  So, the next time someone ask what’s in your wallet, let it be a card from one or both of these companies.

Remember to use your credit responsibly.  Credit cards should never be obtained if you do not have the financial income to make the monthly payments on time or to even pay off your balance regularly on a monthly basis.  Because my secured Mastercard’s credit card has a low credit line balance, I am able to pay off my balance every month and that’s by not going over a certain my because I set a limit on how much I spend and I always stay within that mount.

Thank you for reading.  If you like this post, or have some questions, you post your comment below.

The Office: When Respect of Assistants Becomes Overlooked

KeyboardBeing an office assistant of any levels will come with a range of demands, duties, and will require a level of skillsets and qualifications that are considered much needed depending on who the managing supervisor is.  We have to remember the key factor that regardless of the title the assistant wears, he/she is still an adult…a human being and should not be treated any less than that nor spoken to as if they were a child.

Of course, the managing supervisor is entitled to ensuring that their assistant is doing the tasks they are assigned for the day, as well as any follow ups that they must adhere to when requested, but if there is a mistake made, or of something falls through the crack, at no time does the managing supervisor have the right to reprimand their assistant in front of other colleagues, customers, or clients.  It’s an embarrassing and humiliating moment and many assistants have quit their job for such a situation.

Photo by Rene Jackson all rights reserved.

Bottom line is respect is not automatically given, it is earned.  Assistants walk into their new role with automatic utmost respect for the people they are working for and who they are reporting to.  That respect goes out of the window when it is not mutual and when they are not treated with the same level of respect as they have made an effort in given.  Truth be told, it works both ways and if management from the managing supervisors to the higher ups are not in the habit of showing respect for the people they employ, they may as well call it day and shut the doors and discontinue doing business.

Let’s look at it like this –> Employees are the nuts and bolts of a company.  They are what holds the spinning wheels together.  Those nuts and bolts continue to thrive when a company continues to show a genuine care and concern for their efforts and reward them accordingly for the hard work that they do.  The wheels on the machine of the company starts to break down when the nuts and bolts are not getting the attention required to continue to thrive.  Therefore, when one nut and bolt fall off, others are likely to follow.  A successful company is only successful when their employees are successful, so when assistants are treated like mediocre peons, it does not give them courage to want to continue a long-term employment with that company.

Talking down to any employee is and should be considered disrespectful, and treating them as if they do not know how to to do their job is a jab at their integrity and should never be allowed.  Calling them incompetent or any other word that is a negative remark against their intelligence is grounds for that employee to submit their resignation.  And think about how much money a company is losing every time an assistant quits or resigns, and the time it takes to find a replacement.  Some companies will go the route of not replacing that employee but rather double up the work on another employee for less than what it cost to replace the employee who left.  It’s possible that some employees who have been treated poorly have filed lawsuits calling it a grievance lawsuit based on why the employee felt forced to leave their job, thus possibly costing that company thousands and thousands of dollars if it can be proven and that employee wins their case.

If you’re an owner of a company, think about how your staff is treated day to day.  And the next time you want to open disrespect an employee because you are not satisfied with their work, rather than sitting them down like an adult and talking to them like their an adult, ask yourself what situation are you putting  yourself in if that employee decides to quit based on how poorly you treated them.

City Scape: Homeless Moved to Camp to Get off City Streets

Longview, WA:  City Council of Longview, WA decided that the homeless people needed to be moved off of public sidewalks and out of city parks.  An area was designated on Oregon Way near businesses and homes in an effort to keep them off city streets and sidewalks, and most importantly away from the Civic Center Circle.

At this homeless camp, they are allowed to use their tarps and tents where back in May 2019 they were outlawed to use them in city parks.  The camp allows them to set up however they deem necessary to protect themselves from the elements of the fall and winter weather in the Pacific Northwest.

While residents, business owners and employees have been put on alert that the homeless were moving just yards away from where they work, the city wasted no time erecting a fence to protect their employees vehicles.  Property managers and landlords or nearby businesses were onsite ensuring to enforce their security of the buildings and employees were instructed to protect their property by not leaving doors and windows open, and not leaving valuables in plain site.

It was seen locks being put on dumpster to keep the homeless people from “dumpster diving.”  While this is a great concern for business owners, employees and residents in the area, people have been seen dropping off bags of groceries and other items.  It has not yet been determined if this is to keep them from disturbing the properties and residents, or if they are just being good samaritans.

Businesses have experienced problems with clients being accosted, leaving garbage on properties, urinating in back yards, causing all sorts of problems that it is possible that City Council has not taken a hard look at.

“On Dec. 27, a new city ordinance will go into effect banning camping on city right of way during the day between 6:30 a.m. and 9:30 p.m. It is intended to address the makeshift homeless campsite that has cropped up in front of City Hall.” From an article on TDN.com.

With so much money being investing aimed at building up Downtown Longview to be more inviting for people to come and visit more, one could say they were looking at the bottom line of every single dollar they could possibly lose if they did not get a handle on the homeless issue.  Letting them set up their camps inches from businesses between set hours was just one solution, but obviously not a very good one.  Rotating campsites with the opportunity to clean up the previous site is a good plan for the most part, but it’s a matter of getting them shuffled from one camp to another, which can open the door for more ongoing problems.  It’s basically putting a band aid on the situation — it’s a temporary fix.

Housing shelters would be a better route to go.  It permanently gets them off the streets, out of city parks and out of back yards.  It presents a much better solution giving them warm beds, and if volunteered medical attention, meals, linen and toiletries could be added to the equation, some one consider the situation to be finally going in the right direction, and who knows…perhaps other states could get on board with handling their homeless crisis in the same manner.

Regardless of why they are homeless, we still have to remember that they are still people too.  The good thing that can be said about City Council is that they are actively looking for a solution to the homeless crisis in this town.  They are not just looking at one option as the set-in-stone solution, they are looking as several options that would be a win-win for everyone.

Money Matters: Scams and How to Protect Yourself

It would be safe that the economy has not fully recovered since it’s last crash because jobs are still hard to come by and the well educated are finding themselves taking jobs that are almost paying 2 – 3 times less than what they were making a previous jobs.  Therefore, every dime has to be accounted for while lives have to be readjusted, and the comfortable lifestyle has to take a back burner for as long as it takes in order to find a good comfort zone to live without having to live paycheck to paycheck.

That being said, there are people who have taken to the forefront of finding ways to get ahead by taking from others — those who are vulnerable, naive, and are not aware of the world around them and what others are capable of.  In the last few months a scam seems to be taking to the consumer waves that involves gift cards.  Now, if you would recall, PayPal was one of the biggest scams out there and people who were not familiar with PayPal and how they operate were falling victim to the scam, thus losing out on thousands and thousands of dollars.

The gift card scam is a whole new ball game that people have seem to have found easy to scam victims out of getting free products after being promised money in upwards of $1,500 transferred via a PayPal link.  How does it work?

  1. The scammer will create a story such as having millions of dollars they want to share, or the won the lottery and want to share their fortune with others, or whatever story they can conjure up.  Most likely they work at a fast food restaurant, they are your local postal mail delivery guy, they work minimum wage…get the general idea.
  2. They create this post and blast it all over Instagram, Facebook, or other social media platform to see who will bite.
  3. The first person or those who responds are promised $1,500, which seems to be the magical number.  So called “Sugar Daddies” are using this scam to lure in sugar babies looking for somebody to foot their lifestyle, because you they don’t want to work and want a free ride.
  4. Here’s the scam.  The person responding will be instructed provide a PayPal link, usually PayPal.me, then go buy a specific gift card.  Usually eBay or an Apple gift card.  It must be $50.  The person has to scratch off the back of the gift card, take a snapshot of it and send the picture to the scammer.
  5. The scammer will provide screenshots of messages received from other people claiming to have received their money after sending them the gift card information.  But here’s the thing, once you receive those images, they seemingly disappear as if to have never been there.
  6. Once the scammer receives the picture, they will be told that their money is being processed.  It will go to up to 75% and they are told that it stopped, the card is not working and will need to buy another card.  If that person does this, they will have been out of $100 or more while the scammer is reaping the rewards of buying merchandise for themselves.
  7. If the gift card continues to fail and the person refuses to purchases more gift cards, the scammer will ask for Facebook information which they will hijack if password information is provided.  Bank account information will be asked for and if provided, money will be stolen from the account.  It will be hard to recover the stolen information because it was freely provided.

Gift cards are nonrefundable, therefore it is very important that we as consumers pay very close attention to the people we come into contact with.  There is no telling how long this scam has been going on, but I first learned about it a few months ago on Instagram by someone claiming to have won lottery, and wanted to give me $1.500 after I simply replied, “Congratulations.”  I became very skeptical when I was told to buy an Apple gift card for $50 and send them the information from the back of it and I would get the money.  First of all, I never asked for it.

Times are hard everywhere, so it’s sad that there are people out there preying on people who are really feeling the crunch.  $50 can feed a family, buy diapers for a child, keep gas in the car, buy lunch for children, pay a bill, so when $50 is taken just like that through a gift card scam, the scammers do not realize how much that hurt them.  And to be told to buy another one because it didn’t go through, it turns people’s lives upside down.

This is the first post of the year for The Diamond Press.  I want all of you out there to protect your money on all levels.  Protect your assets, protect your family, and most importantly be aware of who you come into contact.  Not everyone or everything is at it seems.

This is your 2020 Money Matters Report.