This posting falls along the lines of dealing with unreasonable consumer charges. So, to make the story short, last weekend I ordered new checks for my personal account at PNC. Much to my dismay, I noted a $24.99 printing fee on my account. This was somewhat shocking as I have a free account at PNC, and was assuming free checks were part of that. Evidently, PNC was not in agreement with this, and charged me the $24.99.

I wasn’t having it, and immediately sprang into action! I got on the phone and got through to PNCs customer service. At first the customer service guy didn’t budge. I tried everything. First, I asked nicely to have the charge removed. Then I invoked the “good customer” routine, and said they should waive the fee because I was a good customer of PNC. That didn’t work either. Finally, I determined that the rep could not help me, and asked to speak to his supervisor. That did the trick.

This morning the charge got removed.

Final Score: James: 1, PNC 0.

-James

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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