OK, I
recognize that I have never been this old and the elderly—bless their hearts—tend
to stick with the reliable and proven. They (we) typically appreciate frugality,
but willingly pay a premium when the value proposition seems fair. On the other
hand, we realy, really resent getting nickled and dimed by bogus new billing
line items.
With that
benchmark, I retain my wireline (Verizon) phone service, have a prepaid (Pageplus/Verizon)
monthly wireless subscription, and have a grandfathered, slow, broadband (Comcast)
monthly plan. My wife and I used older smartphones,
typically with the data capability off.
We both use tablets and personal computers at home.
We make do just
fine, except for traveling instances where a data plan would come in handy,
e.g., to find an alternative route when unexpected construction blocks onramp
access to an interstate.
Increasingly,
this strategy has become unsustainable, for reasons that, to me, do not come across
as compelling. Here are some examples:
Several
restaurants conserve waitstaff time and numbers, by requiring guests to scan a
QR code for the menu and online ordering. No one is available to answer
questions about the meals and beverages offered. This strikes me as significantly reducing the
value proposition in dining out. Why
bother when the restaurant unbundles elements of the dining experience? Adding insult to injury, payment by phone or
terminal defaults to a 22% tip which takes time and maneuvering across multiple
screens to change or eliminate.
Grocery
stores have started offering discounts that one must "load onto your app"
in lieu of bar code activation. While I
am ok with the compilation of a dossier building from analysis of all bar code
scanned purchases, the app install strikes me as a trojan horse. What kind of surveillance does the app
generate, especially across multiple sites and commercial transactions having
nothing to do with the grocery store?
Comcast and
Amazon, among other major ecommerce vendors, go out of their way to make it
unduly complicated and time consuming to terminate or modify service. The FTC recently sued Amazon for erecting an
epic "Iliad" lengthy hassle to terminate a Prime subscription. See: https://www.ftc.gov/system/files/ftc_gov/pdf/amazon-rosca-public-redacted-complaint-to_be_filed.pdf;
https://www.ftc.gov/news-events/news/press-releases/2023/06/ftc-takes-action-against-amazon-enrolling-consumers-amazon-prime-without-consent-sabotaging-their.
Finding
news ways to reduce customer care has become the prime mission of way too many
ventures. They route calls to unqualified,
offshore staff equipped with nothing but mindless scripts to recite. Now, some have eliminated any option of
interacting with a live person. See https://www.cnbc.com/2022/11/25/frontier-airlines-gets-rid-of-telephone-customer-service.html.
Vanguard
Investments, which already accrues ample management fees from me, recently raised
from $1 million to $5 million the amount required to secure a waiver of a $25
account servicing fee. To avoid paying, clients
must agree to receive all documents via email, including monthly
statements. How many of us maintain a
file of hard copy statements for banking and other financial service
transactions? If not, are you content to
have online access to prior statements?
I guess
Digital Natives and other non-curmudgeons have no affinity to paper. I like reading the newspapers, magazine, and
books on paper. I consider it essential
to maintain monthly hard copy statements of credit cards, etc. for budgeting
and tax planning.
Call me
old, but also prudent.
