Rule 9. If your credit card company’s interest rate (APR) is too high, ask for a lower rate.
Another example of “If you ask, ye shall receive.” It cannot hurt to ask for a lower rate, which will mean less interest being charged to your account, which means you will be able to pay off that card faster. If you make payments on time, month after month, you become more reliable in the credit card company’s eyes, and hence it’s more likely you’ll be eligible for a lower APR. Many credit card companies automatically offer you a lower rate when you qualify, but if that call doesn’t come, take the initiative and ask for a lower rate yourself. If the first customer rep you ask says no, remember to ask for a supervisor!
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- Life Alert Emergency Response
- Life Alert, founded in 1987, provides two-way communication for its members at the touch of a button when an emergency strikes, and sends help immediately. On average, Life Alert saves one of its members from a catastrophic outcome approximately every 23 minutes, saving 22,490 lives in 2009 alone, and has received over 14,000 testimonials from grateful customers in the past 2 years. Former U.S. Surgeon General C. Everett Koop, M.D. is the spokesman for Life Alert -- the only company he endorses. Once help is summoned by a Life Alert dispatcher, he/she stays on the line with the customer until assistance arrives -- and notifies family members, friends, and/or neighbors of the situation. In January 2008, “The Martha Stewart Show” featured Life Alert. The popular national television program recommended Life Alert during a segment on health-tech devices. Dr. Brent Ridge (who co-hosted the segment and is V.P. of Healthy Living at Martha Stewart Living Omnimedia) said that “we recommend this to all of the patients at the Martha Stewart Center for Living,” pointing out that Life Alert is "so inexpensive yet so vital for people."
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