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Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts

CenturyLink vs. Comcast

I've taken nearly a month to make a decision on a new broadband provider since I've recently moved from a more rural area.  With greater options and too many choices, it made the decision to go with CenturyLink for DSL or Comcast with Cable Internet with the other amenities of cable.

I initially threw out any consideration for CenturyLink, because I assumed that I would be required to have a phone line, for which I didn't need.  Comcast offered the Double Play option with Internet and TV, which was fine, because we've completely abandoned the need of a land line.  Other options, such as my previous provider Air Pipe were completely out of the question because the cost was typically double and the connection speeds were dismal.  It's funny to consider a 1Mbps connection speed dismal these days.  Additionally, other wireless providers such as Clear Wire, AT&T, and Verizon, though have impressive speeds, weren't the direction I was interested in pursuing.

Challenges with Comcast

I had initially called and arranged service with Comcast without the consideration of CenturyLink because of the perceived phone line requirement, but my first three attempts all fell through.  The first contact I had made, I was put on hold for nearly close to 30 minutes while the representative determined why she couldn't figure out what city my zip code was in.  Unfortunately, at about the 30 minute mark the connection was lost, as if I reached a max hold time.

My second attempt ran into the same zip code fiasco, but the representative was able to get around the issue rather quickly.  When she was describing the services, I was more informed that digital doesn't really mean HD.  If I wanted HD content, I was going to have to pick up a heftier TV service plan, premier that is.  The problem with that is, I don't watch a lot of TV, and like the Netflix ability to stream a show at your convenience.  With that, I decided, I'd go with it and provided my information, and upon sign-up the representative stated I would be receiving a post card with my installation date within a few days.

About a week and a half later, no notice had arrived and I started thinking that maybe this is a sign that I should look elsewhere for broadband service.  I contacted Comcast again, and the representative stated, that she'd never heard of them sending out a card with installation dates.  Amazed by this, I still considered them as an option, but a new concern had arisen.  The current incentive program for new customers requires a 2 year agreement, but the pricing is only locked in for 1 year.  I don't like that option as a customer, even though they specify what the increases typically are.  If you're going to want me to specify an agreement, I want that price for the entire term.  With this new discrepancy, I decided again, to pass on Comcast.

CenturyLink Options

After another week or so, I checked out the CenturyLink site, and found that they had a broadband plan that didn't require a phone line in order to establish service.  This was a great find for me, being that we have mobile phones, and have been without a traditional telephone for about 5 years now.  I chatted with the representative on the website was able to get all of the details regarding the services and costs.  I opted not to start service via the chat, even with the additional $50 closer card that was being offered.

 On the morning of Black Friday, I was walking through the local mall, and saw a CenturyLink booth and talked to the sales representative about the service and what other options that may exist for me.  I thought more about my desire for media content when the rep shared that Hulu Plus is a great option for augmenting Netflix, and the price is very reasonable.

I ended up going with the CenturyLink service, obtaining a 20Mbps connection at $40 per month with a guaranteed price for 12 months, and no term agreements.  This is 50% less than what I was paying for a 1Mbps wireless connection just a couple months ago.  Additionally, it was recommended to talk with their loyalty group to negotiate a new price at the end of 12 months, which I can see being a hassle, but the price after 12 months, is not that drastic of a variance.

In the end

Overall, I've gotten a great plan, the device was easy to set up, and we didn't have to have anyone on site from CenturyLink to roam around the house getting things turned on.  I'm sure they had the capability to enable service from the maintenance panel on the side of the house or at the neighborhood presence.  So far, the service has been great and the connectivity is fast and responsive.  If you're looking for an internet provider without the need of cable TV or telephone service I recommend giving CenturyLink a try.

The Red Pill by Jay Pounder


I recently read the book titled The Red Pill by Jay Pounder, which I believe was self published in 2012.  The book is clearly a wake up call to Americans to change their spending and self reliant ways.  I think the book was informative and there were a few criticisms that I had, as I started thinking about the practicality of taking measures to prepare your families for the upcoming economic collapse.

China Prints Their Currency

I just can't help but wonder how one of the poorest nations, for centuries, now in recent history has came out of nowhere economically.  A country with "extractive" economic and political systems, with a per capita GDP 1/10th that of the United States.  I realize that over the last 10-20 years we have been falling behind in a trade deficit and losing our innovative technologies by shipping our ideas for production and theft, but are these the key elements of their financial strength to where they can keep buying US debt?  Is the Yuan really backed by gold?  How would you know?  I'm just asking the question here, and am willing to learn along the way if you have the answer.

Bullets & Beans

One aspect of The Red Pill was the preparations that families should be making with bullets, beans, and band-aids.  I agree, we should be prepared for disasters, and we should be prepared for a loss of our constitutional rights and freedoms.  We should be willing to fight for those ideals.  As I was reading, the real frustration that came my way was related to the number of guns and ammunition one should be stockpiling away.  I'm sure, if you have more you should prepare more, but the laundry list was nearly $10,000 worth of  rifles (hunting and automatic), handguns, shotguns, and ammunition.  More practically, I'd challenge the average American to put that $10,000 on their credit card balance to seek after a debt free life, rather than  armory building.

Search & Seizure

A good portion of the book was focused on a hypothetical scenario where the government was requesting, then requiring, all goods of value that could help the country during an economic collapse, through martial law..  So here's my point, is it wise for me to stockpile a large portion of silver, gold, food, water, and firearms, if I'm going to be required to hand it over for the good of the order?  I'd have to consider, if I have gone that far to prepare, I better be willing to protect it at all costs.  How frustrating would that be to make all those preparations, only to have agency come in and take it for their own distribution.

As Federal As Federal Express

Jay Pounder gives an interesting overview of the Federal Reserve and shows how it functions in relation to the US Government and our commercial banks.  I think the one thing I found strange that this banker, in the industry for 10-15 years had only discovered that the Federal Reserve was not a government agency only a year ago.  I've heard the phrase, Federal as Federal Express for years, after doing my own research, I just found this strange to be discovered so late in our economic history.  I don't fault him there, clearly most Americans have no idea what the Federal Reserve is, so I give him credit for learning, discovering, and changing.

One other interesting highlighted by Mr. Pounder was his detailing of the Fed's history and some of the presidential assassinations in relation to changing or inhibiting the Federal Reserve, such as when John F. Kennedy established the $2 and $5 silver certificates.  Correlative, and strange.

In closing, I recommend getting a copy of The Red Pill, if anything, it'll make you think, ask questions, and determine whether or not you need to make a change in your financial life.  The book is a short read at only about 80 pages and definitely a conversation starter for your friends and colleagues.