Bump. Started today.
Posts made by fivetalents
RE: BOGO Free Starbucks Holiday Drinks Nov. 9-13 2 - 5 pm
RE: Question abt Secured Credit Card
@fivetalents afaik, NONE of the prepaid V/MC reloadable/non reloadable cards are useful to build one’s credit. Applying for a secured CC will build one’s credit.
Yes, I know. That’s why I prefaced with “Not that this will help the OP.” My earlier comments were made not knowing if the OP wanted a secured card to build credit (a point the OP still hasn’t confirmed but is a reasonable assumption since she specified “secure”).
IMHO, paying high interest on a very small loan is a very cheap price to pay to build credit history… assuming you will adhere to all of the terms and and use credit very wisely going forward… otherwise it’s just throwing money away.
RE: Question abt Secured Credit Card
I’m guessing she wants a secured card to build a credit hx, and that a reloadable MC/Visa GC, a MC/Visa bank debit card, or
even the new PayPal MC debit card(too many fees) wouldn’t work?
Not that this will help the OP, but I saw a review site that said PayPal had fees. However, according to PayPal themselves, that’s not true so I’m posting a correction:
“A debit card linked directly to your PayPal account balance, giving you simple access to your money with no hidden fees. The PayPal Cash Card is not a credit card, so no credit check is required. Plus, there are no monthly or annual fees, and no minimum balance requirement.”
RE: Anthem Data Breach Class Action Settlement
My 10-yo daughter got the postcard… The credit monitoring is only 1 year, right? I hope her credit will be OK by the time she’s into college
According to the FAQs, it’s “at least 2 years” of monitoring, but the laws holding these companies accountable need to be changed ASAP to provide lifetime coverage, IMHO. I don’t see how anyone could hold a child that young accountable, but then they may decide to go after said child’s legal guardian(s). See… there’s always a bright side to everything! .
From Question 11:
“Settlement Class Members are encouraged to submit a claim to receive at least two years of future Credit Monitoring Services. If you already have credit monitoring services, you may still sign up for this additional protection.”
"Credit Monitoring Services will be provided for an initial period of two years. Credit Monitoring Services may be automatically extended to Settlement Class Members for a period longer than two years if there are sufficient funds left in the Settlement Fund. More detail about how Credit Monitoring Services could be extended longer than two years is available in Question 19.
Credit Monitoring Services are being provided by Experian. The features
of these Credit Monitoring Services include: … Identity Monitoring of minors under the age of 18 (through their parents or legal guardian), including Social Security number trace, internet surveillance, identity restoration, and identity theft insurance"
From Question 15:
“The deadline to file a Credit Monitoring Services or Alternative Compensation Claim is January 29, 2018 (this is the last day to file online and postmark deadline for mailed claims).”
“You may choose either Credit Monitoring Services or Alternative Compensation, not both.”
From Question 19:
"If some of the money from this Settlement is not claimed…
None of the money in the $115 million Settlement Fund will be paid back to Defendants if the Settlement becomes final. The Settlement Fund will be used to pay for Credit Monitoring Services, Fraud Resolution Services, Alternative Compensation payments, Out-Of-Pocket Costs payments, Settlement administration costs, Class Counsel’s fees and expenses, and Service Payments to the Settlement Class Representatives.
Any money left in the Settlement Fund after these expenditures will be used to extend the time period for the Credit Monitoring Services claims, i.e. credit monitoring beyond the initial, guaranteed two years, up to four years in total.
If there is not enough money to extend Credit Monitoring Services by at least one month, or, if funds are left over after Credit Monitoring Services have been extended for as many full months as possible, the remaining funds will be distributed in equal parts to non-profit organizations, or “Cy Pres Recipients.” The Cy Pres Recipients are: the Center for Education and Research in Information Assurance Security at Purdue University and the Electronic Frontier Foundation."
Fred's Black Friday 2017 Ad Scan
“Fred’s will be [open on Thanksgiving but store hours will vary](link url) and their [sale is valid Thursday - Saturday](link url) so there is no need to rush in. They are offering 15% off over 100 gift cards which is a great discount!”
HP Home & Home Office Black Friday 2017 Ad Scan
“Sale will start online on Thanksgiving, but we don’t yet know the time.”
CVS Black Friday 2017 Ad Scan
"Their sale will start on Thanksgiving and run until Saturday.
They are offering a few great deals like Free After Coupons Toothpaste, Free After Rewards Mascara, Gum, Razors and even Green Giant vegetables. Plus grab a 3-Month Xbox Live Membership card for $9.99 after rewards. If you’re a couponer make sure you watch for coupons on these items because some of them will be better than free!
If you’re unfamiliar with CVS ExtraBucks program the rewards will print on your receipt and you can spend them like cash on future purchases. They do have a few exclusions like alcohol, lottery tickets, prescriptions, etc. They also have a spend by date so make sure you use them before they expire!
They will be offering 30% Off and Free Shipping online, which is a great way to stock up on personal care and health items that are rarely discounted, just make sure you do your price comparison research!"
Cabela's Black Friday 2017 Ad Scan
"Cabela’s will be open at 8AM on Thanksgiving but their doorbuster sale doesn’t start until 5AM on Black Friday! Their doorbuster sale will only be 5 hours long and the first 600 people in line at 5AM are entered to win over $8,000 in prizes! This is a major change for Cabela’s as they were always previously closed on Thanksgiving, however now that they are owned by Bass Pro Shops things may be different.
The doorbuster deals in the ad are only valid from 5AM until 10AM on Black Friday. The rest of the prices are valid from Wednesday November 22nd, until Wednesday November 29th. Plus, on Saturday November 25th you can head in with the kids to take free pictures with Santa!
The ad is packed with everything you need to go hunting and fishing! If you’re a camo fan they have you covered; you can even get a Cabela’s Outdoorsman Max Heat/Massage Rocker/Recliner in camo for only $399.99!"