This is a list of installation, miscellaneous, and other extra lost items/recovery fees for Time Warner Cable in Southern California. This list is updated and new as of December of 2009 and is currently still in effective (February 2010).

The cities this list applies for are:

North: Acton, Canyon Country, Hot Springs, Lancaster, Newhall, Palmdale, Santa Clarita, Stevenson Ranch

Metro: Bellflower, Bell Gardens, Covina, Downey, El Segundo, Gardena, Glendora, Hawthorne, Inglewood, La Mirada, Lawndale, Lynwood, Maywood, Paramount, Pasadena, Pomona, San Marino, Santa Fe Springs, Torrance

South: Alta Loma, Anaheim, Beaumont, Brea, Buena Park, Calimesa, Chino, Chino Hills, Colton, Corona, Costa Mesa, Cypress, Fontana, Fountain Valley, Fullerton, Garden Grove, Grand Terrace, Highgrove, Highland, Huntington Beach, La Habra, La Habra Heights, La Palma, Loma Linda, Long Beach, Menifee, Mentone, Midway, Montclair, Murrieta, Muscoy, Newport Beach, Ontario, Orange, Plancentia, Pomona, Rancho Cucamonga, Redlands Rialto, Riverside, Rossmoor, San Antonio Heights, San Bernardino, San Jacinto, Santa Ana, Seal Beach, Stanton, Sunset Beach, Temecula, Tustin, Upland, US Naval Weapons Station, Villa Park, Westminster, Wildomar, Winchester, Yorba Linda, Yucaipa

Installation Fees

• Additional Outlet at Time of Installation ———— $ 14.95
• Custom Work Hourly Service Charge ———— $ 30.00
• Digital Phone Installation ———— $ 19.95
• DVR Service Deposit ———— $ 50.00
• High Speed Online Installation ———— $ 19.95
• Prewired Video Installation, Primary Outlet ———— $ 19.95
• Service Deposit ———— $ 35.00
• Trip Charge ———— $19.95
• Unwired Video Installation, Primary Outlet ———— $19.95
• Wireless Gateway/Home Networking Installation Fee —— $49.95

Miscellaneous Fees

• Addressable Change of Service Fee ———— $ 2.99
• Agent Assisted Payment ———— $ 2.99
• Agent Assisted PPV Order ———— $ 2.99
• Late Payment Fee ———— $ 4.75
• Insufficient Funds Fee ———— $ 25.00
• Telephone Number Transfer Charge ———— $ 25.00
• Telephone Number Change Fee ———— $ 20.00

Unreturned / Lost / Damaged

• AC Power Cord/Converter ———— $5.00
• CableCARD ———— $70.00
• Cable Modem ———— $ 81.00
• Digital Receiver ———— $ 120.00
• DVR ———— $454.00
• HD Receiver ———— $344.00
• HDTV Adapter ———— $85.00
• Home Networking Device/Router ———— $129.00
• House Amplifier ———— $43.00
• Power Adapter ———— $12.00
• Power Cord and Adapter/Modem ———— $10.00
• Remote Control Unit ———— $15.00
• Voice Modem ———— $129.00

What are some of the fees Comcast impose on their customer? The answer is difficult as it depends on the particular Comcast service you have, plus, Comcast doesn’t exactly make these clear on their website. So far, we have description of the fees for Comcast Digital Voice. Will add more going forward.

Comcast Digital Voice Fees

The taxes, fees and surcharges assessed on your Comcast Digital Voice service are comparable to those charged by most voice service providers that provide a full suite of services, including access to services for the hearing- or speech-impaired, and enhanced 911 service.

Listed below is a description of the most common taxes, fees and surcharges assessed on your Comcast Digital Voice service. For specific pricing information, please contact your taxing authorities.

• The Regulatory Recovery Fee recovers costs that Comcast Digital Voice incurs in order to ensure the adequate support of various public services and to support various regulatory programs. These costs may include charges imposed by state and local governments to help pay for emergency services such as fire and rescue, and for the relay center that transmits and translates calls for hearing-impaired and speech-impaired individuals. The Regulatory Recovery Fee also recovers costs related to state programs that guarantee affordable voice services for all Americans, including consumers with low incomes, those living in areas where the costs of providing telephone service is high, schools, libraries and and other programs. The Regulatory Recovery Fee is not a tax or a government-required fee.
• The Universal Connectivity Charge recovers costs that IP enabled voice service providers are required to contribute to the Federal Universal Service Fund which supports federal programs that guarantee affordable voice services for all Americans, including consumers with low incomes, those living in areas where the costs of providing telephone service is high, schools, libraries and rural health care facilities. The Universal Connectivity Charge is not a tax or government required fee.
• A State Sales Tax is imposed on voice services and is mandated by state government.
• A Local Sales Tax is imposed on voice services in some jurisdictions, and is mandated by local government.
• Gross Receipts Taxes and Excise Taxes may also apply to voice services in certain jurisdictions.
• In certain jurisdictions, the state or local government may require IP enabled voice service providers to apply a 911 surcharge directly on IP enabled voice services. In these jurisdictions you may be assessed a 911 surcharge in the Taxes, Surcharges and Fees section of your invoice. In this case, you will not be assessed charges related to emergency services in the Regulatory Recovery Fee.
• Comcast Digital Voice service does not asses a Subscriber Line Charge, which is a fee that many voice service providers charge in order to allow their customers to converse with callers that use other networks. By not charging this fee, Comcast Digital Voice service provides savings of up to $6.50 per line, per month or more.

Yes. Surprise surprise. Another online savings account. Like others, Ally Bank does not have minimum or monthly maintenance fee. But it does have other banking fees when you want specific services done. Below are the fees:

Ally Bank Online Savings Account Fees

*Why only 6 transactions per statement cycle?

The limit is actually set by federal law for electronic and telephone transactions, as well as checks issued to third parties, from all U.S. savings and money market accounts. Deposits are unlimited. Please remember, you will be charged a $10 fee for each transaction that exceeds these limits by Ally Bank.

FNBO Direct online savings account is another popular high-yield online savings account, currently offering a 1.40% APY savings account that’s considered the best of 2008 via Kiplinger’s Magazine. The account has no monthly fees or minimum balance requirement (although you need to open the account with at least $1), there are however some other additional fees for certain banking services. They are listed below:

FNBO Direct Online Savings Fees Disclosure

E-Trade Bank’s Complete Savings Account is a popular high-yield online savings account. At it’s current rate of 3.01% APY, it is one of the higher rated no fees, no minimum online savings account.

Although there is no account maintenance or minimum balance fee, there are some additional fees you should be aware of if you plan to use E-Trade’s online savings account beyond the online capabilities.

Here’s a list of Bank Service Fees that applies to the Complete Savings Account, as per E-Trade’s website:

If you’re considering signing up for an E-Trade online savings account, check out this E-Trade Bank Online Savings Account Review for more information on opening process, account usage, and transaction transfer speed.

Some Brief Facts on FICO Scores

A FICO score is a credit score computed by the good folks at Fair Issac Corporation. The score is formulated base on various factors from each of your respective credit report. What a FICO score basically represent is your creditworthiness to lenders. The higher your score, the better your chances for credit approval. The lower your score, your chances of credit approval from lenders will be less likely.

Why FICO Scores are Important

Knowing your FICO score allows you to know what type of interest rate you can receive from lenders, and how likely you are to be approved credit. A FICO score range from 300-850, and each score, as mentioned, is based on your report from the big three credit reporting agency: Experian, TransUnion, and Equifax. Because each of the report may be different from one and another, you may have three different FICO scores.

Unfortunately, FICO scores are not free, and they’re not cheap either. You can purchase your FICO score from Fair Issac’s website. Thankfully, there are a few different ways you can get comparative credit scores for free.

There are also numerous locations for promotional discount codes on FICO scores from myFICO at various place on the web. They range anywhere from 10% off to 20% off purchases.

Here are four tips to save money on your FICO credit scores:

1. Estimate Your FICO Score for Free

Get your FICO score estimated for free from myFICO.

2. Get Free Score at Credit Karma

Get credit score from CreditKarma, a non-FICO credit score, but good for comparison sake (plus its free).

3. Get Free Credit Grade at Know Before You Apply

Get a credit grade at Know Before You Apply, which grades your credit rating on a scale from F to A, just like in school (urgh).

4. Use Promotional Discount Codes for myFICO

A quick search on Google shows a few different websites with promotional codes for purchasing FICO scores at myFICO.

• Use this myFICO promotional code for discount found from a finance blog
• myFICO discount codes are also updated regularly at creditboards
• Search Google for “myfico discount” and you should find other updated promotional codes

Credit card fees blows.

To add insult to injury, when you get hit with a credit card late fee or a over-the-limit fee, your mistake will also be reported to the credit reporting agency, dinging your score and worsening your chance to get approval for lending. So much for that yacht you want to build from scratch via plastic bottles!

Here’s four easy ways to avoid credit card fees:

1. Setup an online account for your credit card. Most major credit card providers will have extra features for their online access, giving you email or text message alerts when your bills are due. What’s that? A message from Jenny, wanting to hook up for the weekend? Nope – just your credit card company reminding you to pay your freaking bill. Nice!
2. Pay Online! As with online access, one convenient feature is the ability to setup your account so that you can pay your credit card online. Slap in your routing number, checking account number, and bam – online payment saves the day.
3. Change your due date! Many major banks allows you to change your date to fit your busy lifestyle. After all, there’s parties to crash, Guild raids to run, and exams to fail. Chase allows you to set your due date to the specific day you want in the online account access. Don’t see such an option? Phone your credit card company and see if such an option is available.
4. Don’t get a credit card! Hah. If you have trouble managing credit card fees, find yourself constantly getting hit with an over-the-limit fee, then perhaps a check/debit card may work better for you. Or heck, good old fashion cash doesn’t hurt either.

Remember, each time you’re hit with a credit card fee due to a mistake you make, whatever purchase you’ve made on the card just became extra expensive. Save yourself money that can be better spend elsewhere, and take responsibility for your credit card. Use the tools available and combat those fees!

Ah. The Citi mtvU. Very cool and “hip” card, if you’re from 1990s. Regardless of the MTV co-branding, the Citi mtvU is indeed a great card choice for college student.

Why? Here’s a list of reasons:

• 5 points for every $1 spend at restaurants (including fast food), bookstores, music stores, video rental store, and movie theater. College necessity spendings? You bet. 1 point for everything else.
• Points can accumulate to exchange for gift cards to numerous nation wide retail stores, essentially making this a 5% cashback card on restaurants, bookstores, music stores, video rental, and movie theater.
• Up to 2,000 points per semester for maintaining good GPA. Two semesters of good GPA? That’s an easy $25 gift card to the Gap, Old Navy, Banana Republic, and more. Three semester? Make it $50 gift card.
• 25 additional points per moth for paying on time and not going over limits. That’s an extra 300 points per year just for doing what you’re suppose to be doing already.

But what about the fees?

Here’s the list of fees you should watch for:

Annual fee: None! Huzzah!

Foreign Transaction Fee: 3% for each purchase after its converted into US dollars. Aka = Don’t bother using this abroad.

Balance Transfer Fee: 3% of each balance transfer; $5 minimum

Cash advance fee: 3% of each cash advance; $5 minimum (never use cash advance!)

Late Fee: $15 on balance up to $100, $20 on balance of $100 to $250, and $30 on balance of $250 and over. Don’t pay late! Use automatic bill payment to avoid paying needless late fees!

Over-the-credit-line Fee: $39. Don’t go over your credit limit! You’ll not only get hit with a pointless fee, but you’ll also put a ding on your credit history! The same goes for paying late!

Got a question about a fee on the card? Leave a comment.

They can be hidden within microscope-required fine prints; scattered across snore-induced languages; and listed clearly — in the additional terms and condition you receive after you’ve signed the contract.

Yeah, we hate fees too.

We’ll be listing the fees as we see them. From the outrageous fees to the hard-to-find fees, like them or not, you’ll find them here.