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Negotiating with Rogers Wireless for a better cell phone contract. An example that persistence is key!

In an earlier post last week, I wrote about a general step-by-step guide on how to negotiate a cell phone contract.  Today I’ll reveal the actual flow of the conversation I had when I called into Rogers Wireless for my sister.  I should note that it was much harder to get a good deal than it was in the past – even with our ninja negotiation skills.  They really pushed the “share everything” plan pretty hard, but that didn’t really make sense for my sister.  Apparently when a few companies dominate a country’s industry it’s rough on consumers – who would have guessed?

Click here to download my Free Printable phone negotiation script.  I’ve used these exact phrases to not only garner a lower phone bill for myself, but several friends and family as well.  It will guide you through every step of the process, including easy pre-call research, how to get get past the gatekeeper, and the secret sauce I use to get the final perks added to any phone plan.

Here’s the scoop on the conversation with Rogers: My sister was paying over $95 a month including tax for a mediocre package that she had signed up for years ago.  Her needs had changed a lot since then however, and I thought I could get her a better deal that fit her user profile.  She also wanted a new phone.  I tried to coax her into sticking with the old one (although it was looking pretty beat up) knowing that if we got one of the Rogers-subsidized phone plans it would add to her monthly bill substantially and take away some of our negotiating leverage.  No dice though.  I guess for most teens these days, cell phones are something they really want to splurge on.

Being the young-un that she is, many of her friends text, Snap, and Insta all day long (Twitter and Facebook are where us old people hangout).  As you know, this can add up!  She wanted unlimited text messaging and a generous helping of data in her next phone plan, so we got down to business and did our research on the RedFlag forums and a few other sites like we talked about last week.Save Money with Cell Phones

Putting Our Canadian Cell Phone Script Into Action

When I called in directly to the Retentions Department for her, I spoke to Tristan (names have been changed) after a fairly brief delay.  After filling him in on the conversation and casually noting that “my” (speaking on behalf of my sister) contract was due in a week, I was wondering if we could work out a new deal, since I had talked to a couple of phone companies at the mall, and they had some “pretty good deals on”.  I have no idea if they have deals on or not of course.  Ain’t no one got time for that.  I just repeated what I’d read online about current best deals and loyalty promotions being offered. 

After asking if he could put me on hold for a while in order to speak to his supervisor (Tristan and I both knew that this was BS, and that he was really talking to his buddy next to him about where they were watching the game that night – but it didn’t hurt me to be polite, and I didn’t mind since I was fully prepared) Tristan reported that since rates had went up, he could get the unlimited texting, but since everyone was paying more now, the plan rate would have to go up as well.  At this point I calmly stated that I had been a loyal customer of Rogers now for several years and that I was really disappointed that I would have to cancel my contract and go with one of these other companies.

Renegotiate with Rogers

Who would have guessed that Tristan quickly decided that maybe he could speak to his supervisor again on my behalf.  He came back with the following deal:

  • 2.5 GB of Data
  • Unlimited Canada-Wide Calling
  • Unlimited Text Messaging
  • Call Display
  • Enhanced Voicemail
  • Call Waiting

In other words a pretty basic plan for $95.  When I inquired about all the extra add-on fees, of course there was a boatload of those too.

Warm Transfers and Levelling Up

This just wasn’t going to cut it.  The interesting thing is that during the break in action, I talked to my sister about how much data she actually thought she needed.  While she did spend an insane amount of time on her phone, we realized that she could save a lot of data if she simply made sure to use her Wi-Fi capability as often as possible. The vast majority of her time was spent in places with a Wi-Fi connection after all.  She thought she could keep it under 2 GB of data pretty easily even though she’d been going over on her old plan of 1GB fairly consistently.

Renegotiate with Rogers

At this point I told Tristan, there had to be a better deal for a young person that been with Rogers since her first cell phone and that would be buying a shiny new latest model along with the new plan.  While Tristan was very reluctant to say much else, he finally agreed to let me talk to his supervisor after I repeated that if this was the best Rogers could do then I was going to go to the mall next week because I knew that I could sign with any company once my contract was up.  When I kindly asked Tristan to “warm transfer” me with his supervisor he seemed a bit surprised, but quickly agreed.

Renegotiate with Rogers

When Supervisor Tom got on the line with me, I could tell right away he was the smooth-talking closer.  I’ll spare the back-and-forth details, but needless to say I think Tom was a bit surprised to be negotiating like this with a younger customer!  When the dust settled, here is what I was able to nab for little sis:

  • 2.5 GB of Data
  • 150 day time local minutes (“who calls each other during the day anyway” my sister claimed)
  • Unlimited Canada-wide evening and weekends from 6pm
  • Call Display
  • Enhanced Voicemail
  • Call Waiting
  • Unlimited Texts
  • PLUS Spotify Premium (which she was pretty jacked about)
  • A $120 discount on top of the usual subsidization of her new phone.

For $85 per month with all fees included, but not taxes.  Not unbelievable, but we were both pretty happy with the new package considering how uncompetitive the Canadian market appears to be.  There were better deals available if you brought your own phone to the party, but the new phone was apparently a pretty big deal! 

Renegotiate with Rogers

While I had frankly hoped to score a better deal, I wasn’t surprised by the hardball approach since I had read about this recent development online and we live in BC (MB, SK, and Quebec are known to get better deals due to local competition).  All in all, it wasn’t a bad result in that for 90 minutes of my time, as I figure I probably saved a family member $20-$30 per month for the next two years.  Once again, our cell phone negotiating script triumphs over the almost-evil phone empires and their weapons of boredom: “talking to supervisors”, endless holds, and fine print.

Hope that helps and good luck getting a better deal!

As always, it’s important to remember that everything in life is negotiable – and that a little patience and politeness goes a long way.  Whether you are trying to cut some costs from your satellite radio bill, your online bank fees, or your mortgage rate, simply picking up the phone and asking nicely can save you a boatload of money.  Remember that every dollar in spending you save, is like earning $1.40 for most people because it’s after-tax savings!

Have you had success with phoning in and negotiating with Rogers Wireless? If so, please share!

Article comments

Pat says:

My experience is that if you call Rogers and get someone from the East coast you will have a very very pleasant experience. However, if you get someone from Ontario, good luck. You’ll end up wanting to drop Rogers. My opinion is based on years of dealing with Rogers.

Brad Einarsen says:

Super fun description of negotiation call… even for a GenXer. I found this on Google FYI.

Carol says:

It’s not you against Rogers customer service. You don’t need negotiation tactics to call Rogers. All you need is patience while cs finds something doable for you.
And don’t encourage people to be underhanded. There’s no need for that.
Just make sure you have some time set aside to go through some questions to figure out what you need in a plan or a phone, and if you like what they have to offer expect more time while they set everything up for you. If they don’t have any promos available where you fit the criteria then they don’t have anything. Simple.
Cut out the loyal customer crap. Everyone is a loyal customer!

Kyle says:

This is simply not true Carol – and to be honest I don’t really appreciate the “underhanded” comment. What about this negotiation tactic is underhanded? Essentially it’s just comparison shopping on the free market. I know for a fact (after helping 12+ people personally, and hearing back via email from dozens more) that just because there is no promos available for “your fit” doesn’t mean you can’t negotiate lower. I’m not sure what you mean by “everyone is loyal customer”. I’m not really all that loyal a customer to be honest – if someone else gives me a better deal I will leave!

CoCo says:

No dates here? Two years ago (March 2015), I got a good corporate discount on Rogers Business section: $70 including tax for unlimited talk & text, all the voicemail bells & whistles, plus 3 gigs of data. I paid $299 up front and received an iPhone 6 plus on a two year plan. My phone was recently stolen. The contract was up, but I would have stayed with that phone for a while. They hooked up my old 4 for free, but the best they can do for me now is $10 more a month for 1 gig less (2 gigs would be fine)- even if I am willing to pay the $500 toward an iPhone 7 Plus. I know that is not much of a difference, but I am not willing to pay more for less AND invest in a new phone. (Keep in mind, they would have let me keep paying on the original plan for years, even though the phone was now paid for…no discount for that. If I spend $1200 (!!!!!) for a 7 Plus, I will only save $10 on my contract. What happens if I buy a phone outright from someone else and get them to activate it on my current plan? Will Rogers let me keep my plan or will they force me to change it? I have home security, tv and internet with Rogers (regular, not their business section) and they are usually good about negotiating, but it seems different this time (I will try again, though).

anne says:

Well I tried to upgrade my 4 to a 6S as I keep getting texts from Rogers….But as we are on an old Share talk and text plan, currently paying $120 total a month. They want to practically triple the plan price on a monthly basis. If I want to pay $149. extra for the phone, they still want to double the price. We have been paying monthly after our plan expired and they still don’t care that we will shop around elsewhere or not upgrade the phone…so much for loyalty to Rogers….no amount of polite discussion helped….will keep the 4s until it dies!

Kyle says:

Hey Anne, why not see what competitors will offer?

SK Suh says:

I like my $60 Telus plan with:
-2.5GB data
– unlimited Canadian long distance
– unlimited Cdn messaging
– voice mail etc

Helps that I’m off contract with my own supplied iPhone

Kyle says:

That’s impressive SK!

Dion Penner says:

Would this work for getting a new phone in store? I’m hoping to get the Galaxy S8 when it comes out but don’t want to spend a thousand dollars. Any tips for in person negotiating?

Kyle says:

This would absolutely work for negotiating in person Dion – but just remember that they are used to negotiating in person while you might do it once or twice a year. It can make things a bit awkward. Just print out your info, do your homework, and know what you are capable of getting down to. Let us know how it goes – good luck!

Stan lovkford says:

Who out there is aware that rogers recently dropped 80 million dollars to change Thur logo ????

Yes it’s true you probably never noticed because all they did was reverse it !!

I have to wonder why they would do such a stupid thing this means anywhere you see the Rogers logo on a printed piece of paper ,sign in the store ,Or stadium it’s been removed and replaced

You going to Roger’s and get yourself a cell phone you’re looking at a minimum $80 a month payment !!
I think of a lot of ways I can spend that kind of money and if they’ve got that much money to throw around then why don’t they just lower the cost of the phone plans

Mary Babin says:

well, I’m neither young (70) nor am I thrifty, but I can tell you I came across site by accident & was really impressed by the whole thing…now that we are completely retired, for now,I am more aware of needing to cut back where I can without feeling too much pain, the last time I negotiated with Rogers, I ended up getting 4whatever it is for data & several other things for way less than what I was paying before when I only had 1….anyway, my Iphone is really acting wonky so a new phone is what I need..probably a “7” I guess…but want an even better plan than I have….I also am thinking of using Rogers as my home phone now so I plan to use that as a bargaining tool as well since they’ve been after me for some time to convert it from Bell….previously I had been paying over $60 month for Bell home phone but took off everything except the basics so I now pay $25….I know many are doing away with landlines but all homes should still have a landline so when making calls using credit cards & important info, you cannot be overheard….its very easy for people to eavesdrop on cell phone conversations as I have actually witnessed someone doing it….anyway, I plan to use that as a bargaining tool as well….they will not want to lose me because I have internet, TV & 3 cell phones with them & also up until last month had my business internet & cell phones with them…any way, I appreciate the tips & look forward to many more as we will be looking for a new home as well in the near future…so, keep up the good work.

Kyle says:

Great job understanding your leverage Mary! Good luck!

John says:

good job. just a word of advise if you persist you can get something even better so never settle for the first or second deal that you get. example. I just got my friend for $48 + tax
-unlimited Canada calling
-unlimited international text
-5 GB
-voice mail
-caller ID
-can’t remember what else

Kyle says:

Nice deal John!

Black Widow says:

Ok I don

Kyle says:

That is impressive Black Widow!! Is that $46 include a cell phone or you’re bringing your own phone to that deal? Also, I’m curious, are super agents the same thing as the “loyalty managers”?

Len Satov says:

when did you do this?

Kyle says:

A few months ago Len.

Maniaan says:

Thats not even remotely a successful negotiation. While I am from MB, where plans are cheaper, the principle of getting a better deal applied to all customers in Canada.

I think you got ripped off here. Daytime minutes should have been unlimited; thats one of the easiest things for them to relent on.

Your sister will be paying near $90/month with taxes added on; 2.5 GB for $90/month is a bit steep considering people can get roughly 6 or 10 GB for the same amount of money.

All in all, Rogers is utterly ludicrous in its customer negotiations. At times, their offers are counter-intuatitive to what would normally come from bargaining. I

Kyle says:

Hey Maniaan. I completely agree on American Envy! I happen to be from Manitoba as well so I thought I’d jump in here and reply on Young’s behalf. The truth is that we here in Manitoba and Saskatchewan have ridiculously good plans compared to the rest of Canada. Check out the RedFlag.ca forum for more details. I only know this because I started looking when the Bell-MTS talks started – now I know what we’re in for! I too pay like $65 for a plan that is slightly better than this – but that’s the market right. In principal at least the article is a good guide to negotiating! That is crazy about Rogers not matching that deal despite an 8-year relationship. It’s just a pure numbers game for these guys hey?

Cheryl says:

I just renegotiated with rogers 2 months ago and got a better deal. I had a similar plan to your sisters old one.

My new plan includes:
2Gs data
Unlimited Canada wide calling
Unlimited text msgs including MMS
Enhanced Voicemail with visual VM
Call waiting, display and forward
1 year free shomi
And an additional $5 off a month for a year

Including taxes and fees I pay $68.47.

It depends who you get for sure.

rogers is a joke says:

Don’t bother negotiating with Rogers. Rogers’ customer service is at the bottom of the pile. What I was offered before ditching Rogers is a joke.

RogersCSR2 says:

PEOPLE- customer service rep from Rogers here.
Retention isnt the “better deals hotline”. Stop treating it as such.
If you’re getting a premium smartphone, expect to pay $75+ msfs. Its how we get the phones to you at a discounted price.
Phone plans are expensive now because customers insisted on 2-year contracts.
We do not want to give out credits all the time – we get marked on how much we use them, and potentially get in huge trouble.

activation fees,
government fees,
Early Upgrade Fees (aka buying out your old contract

wpgcelluser says:

So how exactly do you get through to the Retention area? Is it as simple as simply asking calling the regular 800 number and asking to be put through to this area?

Andrew Spencer says:

I don’t get it…why stay with Rogers and why sign another 3 year contract. A person could get a month-to-month with the big three even back in 2009-2010….I had one with Bell. Just add the features you want and remove the ones you don’t…change it up every few months if you want.

So if you had that great of a deal with Telus…why didn’t you just tell your sister to set up with them too?

Also, why sign a contract if not getting a new phone?

Doesn’t make sense to me…well, its all mute now anyway….Koodo Mobile knocks the competition dead.

Keri Olivia says:

This is shocking, it is a ridiculous deal, clearly she should look for one more worth her money next time, and make sure she isn’t being conned like this.

RogersGirl says:

Remember Rogers plans every 3 months and promotions expire if we tell you its no longer available we’re not lying its true…we cannot add its gone from our lists forever!! Also 1 more thing everything thr other person said is true retention is getting harder they cannot offer on every call if you u wanna cancel they may just say ok here’s what it is to cancel and that’s it! Good luck on ur deal finds guys 🙂

RogersGirl says:

I myself work for Rogers as well 🙂 I love what the other person said I just wanna add a little.my pet peeves are when customers call in and ask for lower pricing on phones. The price online for phones is the price you get in store and through Customer Care! That is the cheapest price we have so please stop referring to other providers for that please us “little people” at Care cannot change the price and don’t ask to speak with Retention they cannot offer anything for people who are just starting with us. You have to have ur phon for at least 6 months in order to get any retention offers. Also if you have a smartphone then expect to pay at 75 dollars a month after tax! And please stop calling in saying “my friend/relative has this plan and I would like to have it” we are not able to pull up their accounts for you!” You guys have to remmber

young says:

@RogersGirl- Thanks for sharing your insider thoughts Rogersgirl! Rant on! 🙂

Commando Nando says:

My biggest issue with Rogers is the fact that they have “Quality Phones” originally priced at $699 and over; they offer you a 3 year contract, and for my last 3 phones, they always seem to have battery issues or operating issues (especially after the supposed “updates”) exactly around the time the warranty expires. To top it off, the warranty only lasts 1 year (for a phone over $500.00 really??)but the contract is for 3 years? So on top of paying (a discounted price of a hard earned $99-$199) for a BRAND NEW PHONE, if you’re lucky enough for the phone to start acting wacky BEFORE the warranty expires, they issue you a REFURBISHED PHONE?!? And they charge you an exchange fee??! WTF?!?! Its not a surprise that when I watched the news last night on BNN Rogers reported HUGE losses in new customer sign up, down 131’000 from 2012 (the numbers are for 2013, being compared against 2012)meanwhile Bell (who I despise more than Rogers)made huge gains over Rogers to which Rogers’ new CEO is not happy about. The problem with Rogers is an Image and PR issue. unfortunately, you don’t require any higher education to be a customer service rep for Rogers. Which is fine, because I know its a stepping stone for many university students that are working and going to school, but they face no accountability for the way they represent Rogers as approximately 60% of the reps have no manners, don’t enter notes, unless you ask them for their name and rep# and advising them that you have the time and date of the conversation. Many times, reps answer the phone, but leave you with dead air and no response. So, maybe Canadian CSR reps don’t appreciate their pay as much as their foreign counterparts, who seem to do a much better job for less pay?! The point is, especially for Rogers CSR reps coming on here to defend their employer; If you want the customer to pay for 100% of their invoice, they should be receiving 100% of the service and benefits. Otherwise, for the prices ROGERS is charging and for the service and customer service that you get in return, don’t be surprised if you’re not treated with much respect or courtesy.

Shiraz says:

I negotiated a great plan with Rogers when I was off contract. The mistake I made was to accept limited time credits and believing the rep when he said ‘just call back when they are about to expire and tell them to extend the credits’. Now that I’m back on contract they couldn’t give 2 hoots about me. I’ve pretty much decided against going with the major carriers in the future. 3 year contracts are too long when phones and plans are changing so rapidly.

young says:

@Shiraz- Oh yeah those are the WORST! Especially if it’s the first 6 months or the first year. They get you really bad.. and then you’re stuck until the end of the contract.

Ash Wells says:

This was a really fun read actually. Quite surprising. It is great that negotiating is still not out of the picture with companies. People often think these companies are “locked” into their prices, but this is simply not the case for many businesses. It was great seeing you not put up for the companies crap, but still maintaining your composure and acting cool and reserved. You simply wanted a better deal, and with some sly negotiating you were able to get it; and for your sister no less! You must be quite the brother to have.

young says:

@Ash Wells- Except I’m not a brother! LOL…. I’m a girl 🙂

prof M.Browne says:

I am usually a bit shy on negotiating these things but I now feel emboldened to see what sort of deal I can get for myself.

Marty says:

Great advice!

Everyone I know is paying a different price for their cell phone plans, so to gain a frame of reference for the really good deals, I set up a website called Dealboasters (smartphone edition)… Please drop in to share your hard negotiated win fall cell phone plans… It can only help when we all go back to re negotiate our deals!

Rogers csr says:

Ok, people, I work for Rogers Wireless as a Customer Service Rep. Let me tell you negotiating your contract every three years is perfectly fine. However, there are a lot of people nowadays wanting to get a Wind plan on the Rogers network. You have to understand that Rogers does offer a more reliable network ( I know some people have problems with coverage but they are a minority) It is by far bigger than these other companies with unlimited plans. From my and my co-worker’s experience the customer service is far better. Yes I do know that you will find the occasional person who just could not care less but in my specific call center customer service is key. Also, you have to understand that Rogers only hires agents in Canada thus paying more for their agents. Bell and Telus have pretty much the exact same plans as us but they hire agents abroad thus, paying them less. With Rogers you are paying for what you are getting. There are two things that I HATE in customers. Customers who just don’t want to pay for their services. They have overages and call in expecting to have them reversed. This will not happen, Rogers is toughening up with adjustment guidelines. You are all adult cell phone owners, you have to be responsible for what you use. Rogers gives out 10’s of millions of dollars away every month in “discretionary credits” these credits are not valid but as agents we give them away just to have the customer go away. They are not allowing this anymore. Another huge pet peeve is third party charges. It is extremely rare that the charges are actually not your fault, I would say about .01%. I am not exaggerating. People please use your common sense and don’t give out our cell number over the internet. Retention is also toughening up, cx were starting to only want to speak to them as they thought they could get credits every time they called in. You want a cell phone? PAY FOR IT!!! Also know that when you hear silence on the other line, the agent is either cursing at you, laughing at you, or gossiping with their neighbour while you yell at them. Please, please, please…. do not use the term “you people” it will really piss off the agent and most likely make the call worse for you. I hate to say this but it is true that if you are nice to me, you have better chances of getting what you want. I will give a nice customer a $50 goodwill credit just o re-activate their account if they are having money problems. I will flat out refuse a jerky customer a $5 credit for overages.

To wrap it up.

Do not call often
Expect to pay for your services.
Use common sense
Be nice.

young says:

@Rogers car- THANK YOU! 🙂 Much appreciated and I am loving your perspective on this 😉

meagain says:

Can you please explain why there is absolutely NO consistancy in policy or plan information or anything when calling in for an explanation? Ive been forced to call 3 times now in 3 months for the same problem, each person at Roger’s would give me the run around, we would come to an agreement then they would assure me that I will see the correction on my next bill. Im tired of explaining the problem especially since it was the Call Center who screwed up the add-on I wanted for texting & put me on for long-distance instead!!! Sometimes its difficult to stay calm with “you folks”. Cheers though, as I too, work in customer service & appreciate the struggles.

T. Charles says:

Insightful post on effective negotiation. I have a hard time when it comes to negotiation but your tips are very useful! Thanks for sharing your ideas. I really like them.

Reza says:

in fact I used the same strategy as explained above for almost 2 hours on the phone: knowing what I need ,persistent, nice and polite. also I mentioned Public mobile as a very good choice. the first offer was 38 $ per line which I refused completely. the final offer was 17.83$ per line plus 15 $ data plan (500 mb) which I took it.
after two months I called back to fix the voice mail issue and talked to Retention Rep so he modified the plan to 15 $ per line. these people have full power and very nice.

also when starting a negotiation don’t forget to mention the other good choices you have in hand to switch your service provider ( example: my sister has bla bla bla whit X company for only ..$ and she can add me to her plan ) or on Facebook I just started a chat whit 200 friends about the best cellphone plan…

have a good chance

Gene says:

Nice work with the negotiation. However, that is a long time to spend for a $48 yearly savings. I think I would have just found another company and told them to pound sand. 🙂

Reza says:

just last Feb. I talked to the Retention dep. .
I got two lines for me and my wife each includes for total 45 $ + tax:

-450 min. daytime
-evening 6 pm & weekend free
-Text message 100 sent and unlimited receiving
– 100 min. Canadian long distance
-enhanced voice email
– caller ID
– Rogers-Rogers free
-500 Mb data for 15 $ (1 line only)

young says:

@Reza- Wow that’s great!! 🙂 Good job! Any tips on negotiation tactics?

Lara Rai says:

Inspiring post! I hope I can negotiate mine with such efficiency too.

Ceiling_Fan says:

I managed to call them up, the way I believe it works is there is a three-tier retention plan, and i managed to get to tier 3 😛 I got 20$ off my current plan (dataphone) so its 350 weekly minutes, unlimited texting, e&w and 500 mb of data, plus voice callid yadayada for 46 taxes in. Its worth a shot! Just be patient and persist, get some good hits in with offers from other companies, tell them “what the other rep offered you”

young says:

@Ceiling_Fan- Three tiers, eh? I didn’t know that (I wonder if someone reading from Retentions could confirm that?? Hellooo out there!) Wow what you got is a steal. It really depends on the person you get eh? Some of them can be really nice and flexible whereas some of them can be really firm and stubborn.

Evan says:

I love these stories! Sticking it to the man.

Evolution Of Wealth says:

Asking for the retention department is definitely keep. So isn’t being persistent. People give up to easily and that’s what companies are expecting. When they say no we can’t do that, they want you to accept it but you definitely don’t have to.

young says:

@Evolution of Wealth- yes, so true! They sounded really firm too, saying that absolutely they could not do anything, but they really can. It’s the game they play.

Good job! Gives me hope I can negotiate something better with AT&T. My contract is up this month.

young says:

@David Thanks =) I’m sure you’ll be able to negotiate something better with AT&T. The wireless market is getting competitive these days, ya know =) Good luck!! Remember, persistence is key! If you don’t get what you really really want, just call back another time (especially when your contract is due up!)

We recently negotiated our tv/phone/internet bundle plan. It DID take at least a half hour on the phone with a couple ” I need to check with a supervisor” ploys along the way too:) But it worked! and it was worth it, to the tune of over $360 dollars a year.

PS – I agree, “retention dept” is the way to go.

young says:

@Stay at Home Mom CFO: Awesome!!! $360 a year is a big sum, so congratulations. I love these stories. It’s like David and Goliath-ish, and we’re coming out on top. =)

CONGRATS! That’s great. Wow, I’ve never had to do it, but I’ll keep your story in mind!

young says:

Thanks Investing Newbie =) It doesn’t sound like very much- $4 a off, but it adds up over a year, every dollar counts, right? =)