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All Over the Place

January 31st, 2013 at 01:44 am

My physical therapist was sick today and cancelled our appointment. I have to say I am glad because I really didn't feel up to being tortured this week. Come to think of it, she was showing symptoms last week, so that's probably where this cold came from. Anyway, that's $90 I didn't need to spend this week. I'm glad of that, because I'm not sure about my doctor's appointment tomorrow whether or not physicals go towards the deductible or they are covered outright. I'm thinking outright, but I won't know for sure until I get there. I gave them insurance info over the phone. Plus throw in the new patient thing and who knows.

Today I am at least making what's on my meal plan for the week. But then roast chicken and baked potatoes are easy. 5 minutes of hands on time.

I need to start taking my vitamins again. I've been slacking off and only doing the vitamin D3, but I need to add back in C, fish oil, E, magnesium and potassium. I always feel better on that regimen, but when I need it the most, in winter, is when I tend to slack off on it.

I will be getting my rewards coupon from AMEX in February. The only thing I don't like about it is that since it's tied to my Costco card, I have to take the coupon in to Costco to get my cash. I'd prefer they just send me a check I can cash at the credit union or apply it directly to my account. I hate going to our Costco. The parking lot is a nightmare. It's one thing when I am actually buying groceries, but another thing when I am not.

We have one of the busiest Costco's in the state. I really do not understand why so many Canadians cross the border to shop here, but every other license plate is Canadian. There is a Costco on their side in Abbotsford two minutes from the border.

I can't see how waiting in a 40 minute (or longer) border crossing line, coming stateside to shop and get gas, and then spending another 40 minutes (or more) to cross the border again, could ever be worth it. I would think you'd be wasting as much gas in the lines as you would save from getting it stateside.

I wouldn't do it. Maybe back in the olden days when gas was 99 cents a gallon and dairy products were cheap, but now? Of course, they are probably the only thing keeping the retail economy of this county afloat. I doubt it would survive without the influx. But it does make it difficult to park, run in, and get back out quickly with all the non-local shoppers.

I've been thinking about just getting rid of this card and dropping Costco as well. Only thing is, this is the only card in just my name. All of our other cards are my husband's and I'm either a co-signer or an authorized user. I know they changed the law a while back so that it was no longer based on household income, so if you don't make an income of your own, you couldn't get a card of your own. I don't know if that change was ever rescinded or not. I know there was some hoo hah about it, but not how it turned out. So I'm not sure I'd be able to get another card in just my name if I did cancel it.

It probably doesn't matter too much as I don't intend to need a bunch of cards and my marriage is solid, so I'm not expecting to lose access to DH's, but it just seems smart to have at least one card in my own name.

Right now I'm breaking even on the Costco membership fee and that's about it. And there are less and less products we buy there as we've switched to getting our meat from the ranch and not from Costco. I may give it another year and track it and then figure out whether or not it is worth it to me. They've stopped carrying the brands of tomato sauce, peanut butter, and green beans that I liked so that's going on the con side. Mostly I am just buying the non-food products there. It's becoming less and less worth it.

2 Responses to “All Over the Place”

  1. Susan Says:

    I have been a "stay-at-home mom" (no personal income)for 20 years. My husband and I have been playing the "credit card rewards game" for several years and I've had multiple credit cards in my name only. As I recall, the bank asks for the household income... I've honestly never been turned down for a credit card due to a lack of income (or any other reason).

  2. LuckyRobin Says:

    I haven't either, but this was something relatively new introduced in the second half of last year.

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