MISC. ARTICLES

EDUCATION

   


See the "Education" page for Contract Article information.


 

Second Quarter 2010 Bostonian


The Smart Money Knows Where the Money Goes
Do you?

Laura Provost

Today’s economic climate necessitates, at the very least, an awareness of where our money goes. One of the best exercises you can do for your financial health, especially if you are nearing retirement, is a "budget". A budget is not for those less fortunate than us. Budgeting is a process that financially savvy people use to take control of where their money goes.

This process can quickly reveal some obvious misuses of income. Here is a heads up on one expense that the process would reveal – the cost of your Federal Employees Group Life Insurance (FEGLI). It is expensive now and it gets even more expensive as the years pass.

Many Postal employees do not realize how much this insurance is costing them until it is too late. Many do not feel the pinch until they hit their 50’s – when 5 times their salary costs about $160 per month. (At age 60 – take a deep breath – the same coverage costs about $340 per month.). For some, health conditions will prevent them from getting an individual policy (which bases the cost on your health). For most, it makes tremendous sense. Lock in your age and lock in your health. We are not getting any younger and chances are not any healthier than we are now.

Be "in" with the smart money. To receive an analysis of your current and future FEGLI cost, and to discuss options, give me a call at:Laura Provost (888)-647-0043

Or email at: Laura.provost@ingfa.com

                 
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MAY/JUNE 2009  BOSTONIAN

An Overlooked Way to Save on Your Monthly Bills

Laura Provost


Even those who are not affected by the current recession are taking a look at their own finances and buckling down. Everyone is looking for places where they can save a few dollars on services like cable or cell phones.

One often overlooked expense is your life insurance payment. If you are enrolled in the Federal Employees Group Life Insurance program (FEGLI), the cost is taken out of your check bi-weekly. Many of you may not be aware of what you have for coverage, or what you are paying until it is too late – meaning that the cost goes up so much that you really start to notice.

This is what $250,000 of life insurance (5x your pay at $50,000/ year) costs now and in the future (if you stay with the plan).

IT GOES UP EVERY FIVE YEARS


Less than Age 35    $16.25 / month

        Age 35 - 39    $21.67 / month

        Age 40 - 44    $32.50 / month

        Age 45 - 49    $48.75 / month

        Age 50 - 54    $75.83 / month

        Age 55 - 59   $151.67/ month

        Age 60 - 64   $325.00 / month

        Age 65 - 69   $390.00 / month

        Age 70 - 74   $650.00 / month

        Age 75 - 79   $975.00 / month

             Age 80+ $1,300.00 / month


If you want to explore the savings options -


    1. Check the code on your paystub. It starts with IN_____


    2. Call us with that code, and we can tell you what you are paying now and what you will pay in the future for that insurance.


    3. If you live in NH or MA, we can also provide you with quotes to compare insurance rates for multiple insurance carriers.


Call us toll free at: 888-647-0043 or 603-647-0043, or email
fedbenefits.provost@gmail.com


We have significantly cut monthly and long term costs for many of your fellow Postal Workers. It does not pay to wait until the costs goes up; you will be older and may not have the health you have today.


Federal Benefits and Retirement Services

Laura Provost @ 54 Shady Lane, Manchester, NH 03104

Phone (603) 647-0043


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SEPT/OCT 2009 BOSTONIAN


The (real) Voice of the Employee

by Jeff Blout  (Arlington P.O. Clerk)


"No excuses."

That’s what we’ve been told.

I’m back on the window after a three-year hiatus. Did a two-day retraining gig. Most everything was easy to relearn; stamps, money orders, mail classification, hold mail, special services, customs forms, The Script.

Now, if I remember correctly, three years ago The Script consisted of approximately twenty words having to do with service commitments and prohibitions concerning hazardous materials. Seems somewhere along the line, a team of Hollywood screenwriters were brought in to expand and improve The Script to a bloated seventy-five-plus word soliloquy. Kind of like taking a TV commercial and turning it into The English Patient.

Now The Script, and the proper word-for-word recitation of The Script, is the measuring stick by which the effectiveness of all window clerks is determined. Instead of being judged by the level and quality of our service, we are now – and have been for some time, I know – subject to a customer-by-customer pass/fail test based on our ability to regurgitate The Script. And, as we all know, there are no acceptable excuses for diverting from The Script.

None.

Believe me, I know all you window clerks have been dealing with this a lot longer than I have. I’m like the athlete who retires, comes back after three seasons to a familiar game, but has trouble adjusting to some of the rule changes. We all have our Mystery Shopper stories. Here’s mine...

I’m not one of the brave souls who work the window eight hours a day; most of my time is spent down back performing allied functions. The Mystery Shopper would have to find me during lunch coverage and short relief appearances.

It was a Friday. Due to short-staffing, my co-worker – we’ll call him Clerk A – was forced to work the busy window alone. Knowing what a lousy proposition that can be, I voluntarily put my drawer in to assist him until a third co-worker, Clerk B, returned from lunch.

The line of customers appeared happy to see me; that doesn’t make me a hero, they would’ve been happy to see anyone at that point. Within twenty minutes, Clerk A and I had cleared the lobby. No complaints.

At least not from a real customer.

The following Tuesday, I was informed that I had failed The Mystery Shopper. The time of the alleged infractions was 2:50, which just happened to be when I was voluntarily working the window so my co-worker wouldn’t have to work alone and our customers wouldn’t have to wait any longer than necessary. (I’m sure some of you hardliners are thinking I got what I deserved for putting my drawer in when I didn’t have to. You’re entitled to your opinion. I don’t agree.)

I had points deducted for not saying "and free tracking" after offering Express Mail. Maybe it’s me, but I have trouble looking a customer in the eye and offering "free" services then charging them over $13. I was also penalized for not offering Priority Mail even though the non-customer – because that is what Mystery Shoppers are – chose to mail their package that way. I wonder how they explained that one. Well, they didn’t have to. Their word is gold and we window clerks have no recourse.

Of course, we did very well on question #1 - How long was your wait in line? We grabbed all 25 points, instead of zero, which is what we would have gotten if I hadn’t taken the initiative to better serve our (real) customers and support my co-worker. By thinking for myself, I made my manager look good, and, according to Mystery Shopper, made myself look incompetent.

Let it be known that not one complaint was lodged by a real customer. The only one with a problem was someone who forced our patrons to wait even longer than necessary while pretending to mail something. I wonder what The Voice of the Customer would say if they knew people were being paid to deliberately clog up the lines. Seriously, what would you think if you were in a hurry and were told the person in front of you was going to be reimbursed for making you wait longer than you had to?

I also find it astounding that a Mystery Shopper can pretend to be a consumer then run out to their car and accurately answer a 35-question evaluation based on a five-minute interaction. Were there even 35 questions on the postal exam? People equipped with that kind of recall should be put to better use.

My first customer after being informed of my failure was an older woman who bought money orders and mailed a letter. As I ran her and her letter through The Script, she began telling me about her daughter who was dying of cancer. I thought, Wait a minute, this isn’t part of The Script. Teary-eyed, she said, "Oh, I’m sure you’ve heard it all before." I told her about my mother who is a two-time survivor of breast cancer and that sometimes things turn around. I let her know that she and her daughter would be in my thoughts. I diverted from The Script, but didn’t feel like a failure.

According to postal literature, the Mystery Shopper was implemented to "correct conditions that are detrimental to customer satisfaction and may inhibit revenue growth." If you ask me, the Mystery Shopper often inhibits our humanity. And in case you were curious, the answer to Mystery Shopper item #33 - Revenue loss (based on scenario expectations) was $0.00. Forgive me for not living up to scenario expectations. No excuses.


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ARTICLES FROM PAST ISSUES . . .


APWU COPA
needs your voluntary contribution because the union is prohibited from using dues money for political purposes.


The APWU has made it possible for you to support the union’s COMMITTEE ON POLITICAL ACTION by giving an amount you choose through a payroll allotment with PostalEase. By creating a COPA allotment, you can help our union make a stronger effort to support the political candidates who will fight fo us. It is an easy way to give, and - - just like your other deductions - - it will go to work for you immediately.


A salary allotment to APWU COPA - the Committee on Political Action - - can be set up easily and efficiently. Just follow the guidelines on the worksheet below and call PostalEase to begin your COPA salary allotment.

1. Before you dial, write down the following account number: 2932001, followed by your Social Security number. You will use this number in #11 below. This will enable the APWU to identify that this contribution comes from you.

2. Dial 1-877-477-3273 (1-877-4PS-EASE).

3. Press #1 for PostalEase.

4. When prompted, enter your Social Security number.

5. When prompted again, enter your PIN number. (This is the same number you use for telephone bidding and / or other payroll allotments.)

If you do not have a USPS PIN number, or cannot remember your PIN number, follow the instructions at the bottom of this page, under (Don’t have your USPS PIN?).

6. When prompted, choose option #2 (to select payroll allotments).

7. When prompted, choose option #1 (to select type of allotment).

8. When prompted, press #2 to continue.

9. When prompted, press #3 to "add" the allotment.

10. When prompted, enter ROUTING NUMBER: 054001220.

11. When prompted, enter the ACCOUNT NUMBER: 29320001, followed by your Social Security number (No hyphens, 17 digits total). Press #1 if correct.

12. When prompted, press #1 for checking.

13. When prompted for the dollar amount of the allotment, enter your choice for a biweekley allotment. Press #1 if correct.

14. When prompted, press #1 to process.

At this point, you’ll be provided with a confirmation number and the start date of the allotment. Record the confirmation number and start date.


Press #1 to repeat, or press #9 to end the call. Retain this form for your records.

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Don’t have your USPS PIN? To obtain your PIN:


1.)
Call PostalEase at 1-877-477-3273. 2.) Press #1 for PostalEase.

3.) When prompted, enter your Social Security #. 4.) When prompted for your PIN, pause, then press #2. 5.) Your PIN will be mailed to your address of record the next business day.


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