"If you have a Bank of America credit or debit card, and your card gets declined and you call and find out it was because of a data breach, the fraud department that you speak to is forced by the bank to tell you that they can't see where or when the data breach occurred, but we can see it. It shows us right there on our computer. It's really f**king annoying for everyone involved, other than the bank apparently since they're the ones that enforce this. It's a major problem because your card gets completely shut off right there over the phone, and we have to send in a request to have a completely new card and card number sent to you. Then, you wait about two weeks to receive it in the mail, and have to change everything you pay your bills on to the new card number. But if you go back to the store with that new card that had the data breach and they still haven't resolved the problem with the breach, then your card will be shut off again. Rinse and repeat. Please try not to get too angry at the people you talk to on the phone, they don't work at BoA, they're just lowly call center workers, and they're fired if tell you where it happened. The bank is saving their own ass to not piss off big companies that don't want that info to leak to the public." Source
"A lot of people probably know that when a tv show goes into syndication that some scenes will be cut from episodes to make them slightly shorter, to fit in more commercials. What people don't know is that the show can be slightly sped up as well, to squeeze in just a little more advertising." Source
"If you get involuntarily bumped from a flight you can get paid out 200-400% of the flight's cost back depending on how late you get to your destination.
If this happens to you they'll offer you a bunch of vouchers, but be persistent and they'll pay you out. If the airline arranges substitute transportation that is scheduled to arrive at your destination between one and two hours after your original arrival time (between one and four hours on international flights), the airline must pay you an amount equal to 200% of your one-way fare to your final destination that day, with a $650 maximum. If the substitute transportation is scheduled to get you to your destination more than two hours later (four hours internationally), or if the airline does not make any substitute travel arrangements for you, the compensation doubles (400% of your one-way fare, $1300 maximum). Here's the link to the rules: http://airconsumer.ost.dot.gov/publications/flyrights.htm#delayed" Source
"Ask to have the late fee waived for insurance. I literally cannot do anything with it until you specifically ask. 'So you have a late fee of $30 on this.' 'Gee that's a lot. Why is it so much?' 'That's the late fee we have. I do apologize for that inconvenience.' 'Well I guess I'll have to pay it then...' 'Ok, so your bill is $150.' 'Do you realize how much that is?" "Yes, and I do apologize for the inconvenience.' 'Well, can you do something about it?' Yes. Now I can because you asked. Please stop making me feel guilty that you paid your bill late." Source
"Hospitals and doctors office bills in the U.S. can be negotiated, and many will offer huge cash discounts if you pay at the time of service. But once the insurance gets billed, there is much less room for negotiation. If your bill gets applied to the insurance deductible, then the facility, by law, is supposed to collect the full amount that was applied to the deductible from you. Also, if there's a co-pay, the facility, by law, is supposed to collect that as well. For the average person on a high deductible plan ($1000+), you'd have to get cancer, or be in a huge trauma for the insurance to kick in any meaningful payment. Insider advice: when you make an appointment at a doctors office, ask if they have a "point of service" discount. Also, if you go to a hospital, don't let them know you have insurance until after they give you the bill. Do the negotiation first, then do the math and see if it's cheaper to pay out of pocket. If not, the facility has 6 months to bill your insurance after the date of service." Source
"Not sure if this is an industry practice, but a very popular online retail company in my country has no in-house web designers or any other IT staff beyond your generic networking techs. Any time their website or backend systems need work they simply advertise a permanent position and give the job of sorting out whatever they need done as a 'trial' for the candidate. Once completed, they then inform them that the position is no longer available and send them on their way. They've been doing this for years." Source
"I attended a songwriting workshop at berklee school of music, and Anna Wise (Grammy winning songwriter, Kendrick Lamar collaborator) told the audience during a presentation that whenever someone 'magically' blows up on soundcloud or YouTube, that it's not authentic. A label will sign the artist in secret, and then suddenly boost their viewership tremendously to make it look like the independent artist did it on their own." Source