Posts made by jtownsucks46

jtownsucks46

good to see so many great names continuing to join!

jtownsucks46

@mrsguin said in FREE Online Eye Exam + Prescription:

https://www.1800contacts.com/online-contact-lens-prescription

1. Qualify
Answer a few questions to find out if you’re eligible.
2. Take the online vision test
All you need is a smart phone and a computer.
3. An eye doctor reviews your results
An ophthamologist licensed in your state will review and approve your prescription within 24 business hours.
4. We send you your prescription
You’ll receive a signed Rx you can use anywhere.

Anyone done this - wonder how accurate it is - interesting!

jtownsucks46

@mrsguin said in FREE NFL Thursday Night Football 2017 On Amazon Prime:

https://www.amazon.com/dp/B074Q5J1M5
Also - here
Add the season to your watchlist and wait until they air and you can watch them right away.
Watch the Chicago Bears vs. Green Bay Packers at Lambeau Field, Green Bay, WI on Thursday, September 28. Pregame begins at 7:25 PM Eastern with Kickoff at 8:25 PM.

Great info - thank you!

jtownsucks46

Savings, Checking, and Money Market Accounts - Nationally Available Liquid Accounts

WSJ Prime Rate : 8.00% - Difference from best liquid account: 2.50%
Fed Funds Rate : 5.00%
Next FOMC meeting

APY	Eff	Bank/CU/Other	Min	Max	Hard Inq	Checks	Debit Card	ACH Orig/Des	PWF	Notes

5.05%	12/13/24	Patriot Bank Money Market	$1	?	?	N	N	Y/Y	-	$100 minimum deposit to open but no ongoing minimum required.
5.05%	12/7/24	Timbr Savings	$1000	?	N	N	N	Y/Y	-	Timbr is a division of Bridgewater Bank. $1,000 minimum to open.
5.00%	12/2/24	Pibank Savings	$1	?	?	?	N	Y/Y	-
5.00%	11/26/24	Open Bank High Yield Savings	$1	No Max	N	N	N	Y/Y	-	Nationally available except for Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island. Minimum opening deposit of $500 required.
5.00%	11/26/24	Zynlo Bank Money Market	$10	No Max	N	N	N	Y/Y	-	Balances greater than $250,000 will receive 0.10% APY.
5.00%	8/11/23	mph Bank Future Savings	$1	No Max	N	N	N	Y/Y	-
4.90%	11/27/24	Newtek Bank Personal High Yield Savings	$1	No Max	?	N	N	Y/Y	-	No minimum balance to open, but customers must have a balance of $0.01 to earn interest. You may make up to 6 withdrawals from your Newtek Bank, N.A. Savings account per statement cycle, including preauthorized, automatic and telephone transfers.
4.86%	12/3/24	Total Direct Bank Money Market	$2500	$1M	?	?	?	Y/Y	-	Nationally available except FL and US territories. Minimum opening balance is $25,000. Minimum ongoing balance to earn advertised interest rate is $2,500. Balances below $2,500 do not earn interest. Limited to 6 withdraws/transfer each month with $10 fee charged for any additional.
4.85%	11/15/24	Brio Direct High Yield Savings	$25	?	?	N	N	Y/Y	-	$5k minimum opening deposit; ongoing minimum balance to earn APY is $25
4.85%	9/27/24	Brilliant Bank Surge Money Market	$1	No Max	?	?	?	Y/Y	-	Nationally available except AR, KS, MO, and OK. Minimum $2,000 balance to avoid $10 monthly service charge. There is a $2.55 charge for external transfers initiated at Brilliant Bank and 5k daily/monthly limit on transfers initiated at Brilliant Bank.
4.80%	11/8/24	Valley Direct Savings	$1	?	N	N	N	Y/Y	-	4.80% rate is for new customers only. Current customer rate is 4.00%.
4.80%	10/24/24	Jenius Bank Savings	$1	?	?	?	N	Y/Y	-	Not available to residents of Hawaii or New Mexico.
4.75%	11/26/24	State Bank of Texas Money Market	$1	?	?	?	N	Y/Y	-	$100,000 minimum deposit required to earn rate
4.75%	11/26/24	Poppy Bank Premier Online Savings	$1000	?	?	N	N	Y/Y	-	A minimum balance of $1,000 must be maintained to obtain the advertised Annual Percentage Yield. Electronic statements must be activated, and enrollment maintained, to avoid a monthly $5.00 paper statement fee.
4.75%	11/26/24	Lending Club High Yield Savings	$100	?	?	N	Y	Y/Y	-	Requires $250 monthly deposit. Without $250 monthly deposit, account pays 4.30%.
4.75%	11/20/24	Quontic Money Market	$1	No Max	?	N	Y	Y/Y	-	Minimum opening balance of $100 required. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle.
4.75%	11/15/24	Modern Bank High Yield Money Market	$100k	?	?	N	N	Y/Y	-	100k min balance to open and receive interest ongoing.
4.75%	11/15/24	First Foundation Online Money Market	$1	?	?	N	N	?	-	The minimum balance to open the Online Money Market Account is $1,000; new money only. The minimum balance to earn the APY is $0.01. External transfer limits are $100,000 per day/settlement period, and up to $250,000 per rolling 30-day period.
4.75%	11/15/24	First Foundation Online Savings	$1	?	?	N	N	?	-	External transfer limits are $100,000 per day/settlement period, and up to $250,000 per rolling 30-day period.
4.75%	11/8/24	EverBank High Pledge Online Savings	$1	?	?	Y	Y	Y/Y	-	Previously was TIAA Bank.
4.75%	11/1/24	Northern Bank Direct Money Market	$1	?	N	Y	Y	Y/Y	-	$5k min to open but no ongoing min balance requirements
4.70%	12/6/24	Primus Bank Savings	$1	?	?	N	N	Y/Y		New customer sign-ups currently on hold. Free incoming wires.
4.69%	11/11/24	First Internet Bank Savings	$1M	No Max	?	?	?	?	-	1M minimum balance required. Balances below 1M earn 3.77%. Must maintain $4,000 average daily balance to waive $5 monthly fee.
4.66%	12/13/24	Vio Cornerstone Money Market	$1	?	?	N	Y	Y/Y	-	$100 minimum to open. A $10 fee will be charged for each withdrawal in excess of 6 per monthly statement cycle. $5 fee to receive paper statements.
4.65%	12/13/24	MyBankingDirect Savings	$1	?	Y	-	-	-		$500 to open; no ongoing minimum
4.65%	11/15/24	Bask Bank Savings	$1	?	?	N	N	Y/Y	-
4.60%	12/6/24	Bread Financial High Yield Savings(formerly Comenity Direct Bank)	$100	?	?	N	N	Y/Y	-	Maximum deposit limit of $1 million per account and $10 million limit per customer
4.60%	12/5/24	Bank 5 Connect High Interest Savings	$100k	No Max	?	N	N	Y/Y	-	100k minimum balance to earn rate. FDIC Insured for up to $250,000 and DIF Insured for over $250,000, meaning 100% of deposits are insured in full; $1 monthly fee for optional paper statements
4.60%	12/4/24	Ivy Bank High Yield Savings	$2,500	1M	?	?	?	Y/Y	-	Nationally available except CA. Balances below $2,500 do not earn interest.
4.60%	11/15/24	Popular Direct Select Savings	$1	?	?	N	N	Y/Y	-	$100 to open; no ongoing minimum
4.55%	11/15/24	CIT Bank Platinum Savings	$1	No Max	?	N	N	Y/Y	-	$100 to open; no ongoing minimum. Balances $5k+ earn 4.85%. Balances less than 5k earn 0.25%.
4.52%	12/13/24	CFG Bank Online High Yield Money Market	$1000	No Max	?	N	Y	Y/Y	-	Minimum balance of $1,000 must be maintained to earn advertised interest rate
4.51%	11/26/24	CIBC Agility Online Savings	$1k	$1,000,000	?	N	N	?	-	Initial deposit limited to no more than $250k
4.50%	12/13/24	Raisin Platform Highest Rate	$1	?	?	N	N	Y/Y	-
4.50%	11/8/24	Merchant’s Bank Money Market Savings	$1	$1M	?	N	N	Y/Y	-	$50 to open but no ongoing minimum balance
4.50%	11/8/24	Evergreen Bank Group High Yield Online Savings	$1	?	?	N	N	Y/Y	-	$100 min required to open; no ongoing min; capped at 1M
4.50%	11/8/24	Virtual Bank Money Market	$1	?	?	?	?	?	-
4.50%	9/27/24	Rising Bank High Yield Savings Account	$1,000	500k	?	?	?	Y/Y	-
4.50%	9/27/24	Primus Bank Premium Checking	$1	?	?	N	N	Y/Y		New customer sign ups currently on hold. Foreign ATM fees reimbursed. First check order is free. Free incoming wires.
4.50%	5/5/23	Prime Alliance Personal Savings	$1	?	?	?	?	Y/Y	-
4.46%	11/26/24	Republic Bank of Chicago Digital Money Market	$2,500	?	?	?	?	?	-	Nationally available except IL, IN, MI, and WI. $2,500 minimum balance required to avoid $25 monthly fee and earn interest. External Transfers using Republic Bank’s transfer service: The monthly maximum is 10 total external transfers, not to exceed the aggregate monthly total of $10,000.00. The individual transfer limit is $2,500.00 per transaction.
4.46%	11/8/24	Western Alliance Bank Savings Premier	$1	?	?	?	N	Y/Y	-	$500 minimum deposit to open; no ongoing minimum
4.40%	9/27/24	All America Bank Mega Money Market	$1	$100k	N	N	Y	Y/Y	-	$100k max
4.40%	9/27/24	Redneck Mega Money Market	$1	$100k	N	N	Y	Y/Y	-	$100k max
4.40%	8/25/23	Colorado Federal Savings Bank High Yield Savings	$1	No Max	?	N	N	Y/Y	-	Only allows transfers to & from original linked account. New customers who deposit a minimum of 50k may choose to open a Premier Savings account which pays 4.45%
4.37%	12/4/24	Tab Bank High Yield Savings	$1	No Max	?	N	N	Y/Y	-	$2,500 to open and $1 minimum ongoing to earn advertised interest rate. E-statements are free; paper statements $5 a month.
4.35%	3/29/23	b1BANK High Yield Savings	$1	?	?	?	?	?/?	-	This account can only be opened with funds not currently on deposit with b1BANK. $0 quarterly service charge if account receives eStatements. ($5.00 paper statement fee.)
4.35%	12/16/22	MySavingsDirect My Savings Account	$0	?	N	N	N	Y/N*	-	2 max external bank links, can only push money out (no pulls)
4.30%	10/24/24	EverBank High Pledge Money Market	$100k	?	?	Y	Y	Y/Y	-	Previously was TIAA Bank. Current ongoing tiered rates are: 100k+ 4.30%, 50k-99.9k 4.30%, 25k-49.9k 4.30%, 10k-24.9k 4.30%, 0-9.9k 1.00%
4.26%	7/21/23	SFGI Direct Savings	$500	?	N	N	N	Y/Y	-	$500 min to open. Only 1 external account
4.25%	12/4/24	Community Wide Federal Credit Union Hi Rate Monthly	$1	?	?	N	N	Y/Y	-	Withdrawals are only allowed during first 5 days of each month. Withdrawing outside of this timeframe incurs a 15 day interest penalty.
4.25%	11/26/24	Dollar Savings Direct Dollar Savings Account	$1	No Max	N	N	N	Y/N	-
4.25%	11/20/24	Wealthfront Cash	$1	No Max	?	N	N	Y/Y	-	No minimum balance requirement. Sweep account into 4 banks so up to 1M in FDIC insurance.
4.25%	11/15/24	SalemFiveDirect High Yield Savings	$100	$1M	?	N	N	Y/Y	-
4.25%	11/15/24	Betterment Cash Reserve	$1	?	?	?	N	Y/Y	-
4.20%	12/9/24	Live Oak Bank Savings	$1	?	N	N	Y	Y/Y	-
4.20%	11/15/24	CIT Bank Savings Connect	$1	No Max	?	N	N	Y/Y	-	The minimum to open a Savings Connect account is $100.
4.15%	12/13/24	Western State Bank High Yield Money Market	$1	$10M	?	?	?	Y/Y	-
4.12%	12/4/24	iGObanking Money Market	$25k	?	N	N	Y	Y/Y		Minimum balance required is $25,000 to earn interest.
4.12%	12/4/24	PurelyMoneyMarket	$25k	?	N	N	Y	Y/Y		Minimum balance required is $25,000 to earn interest.
4.10%	12/6/24	Sallie Mae Money Market	$1	?	N	Y	N	Y/Y	-	Sallie Mae FAQs
4.10%	12/6/24	Sallie Mae High Yield Savings	$1	?	N	Y	N	Y/Y	-	Sallie Mae FAQs
4.10%	12/4/24	ConnectOneBank Online Savings	$2500	?	?	N	N	Y/Y	-	Tiered rate: $0 - $2499 pays 0%, $2500 to $249,999 pays 4.00%, and $250,000+ pays 4.10%.
4.10%	11/26/24	Synchrony Bank High Yield Savings	$1	?	N	N	N	Y/Y	-	If your account is left with a $0 balance for greater than 60 days, it may be subject to closure.
4.10%	11/20/24	E Trade Premium Savings	$1	?	?	?	?	Y/Y	-
4.10%	11/1/24	Barclays Online Savings	$1	No Max	N	N	N	Y/Y	-	remote deposit via PC or mobile; online 1099-INT but paper copy sent in the mail.
4.10%	10/10/24	SmartyPig by Sallie Mae	$1	?	N	N	N	Y/N	-
4.07%	1/25/23	Mutual One Mo Premium Savings	$20k	?	?	N	N	Y/Y	-	Ongoing 20k balance required to earn advertised rate.
4.05%	11/20/24	USAlliance Financial High Dividend Savings	$500	?	?	?	?	?/?	-
4.01%	12/13/24	UFB Direct Portfolio Savings	$1	?	?	N	Y	Y/Y	-
4.01%	12/13/24	UFB Direct Portfolio Money Market	$5,000	?	?	N	Y	Y/Y	-	$5,000 balance required to avoid $10 monthly maintenance fee.
4.00%	11/20/24	Webull Cash Management	$1	?	?	?	N	Y/Y	-
4.00%	11/20/24	Quontic High Yield Savings	$1	No Max	?	N	Y	Y/Y	-	Minimum opening balance of $100 required. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle.
4.00%	11/15/24	Empower Personal Cash	$1	No Max	?	N	N	Y/Y	-	Interest begins accruing once your funds are transferred into the Program Banks, generally within 2-3 business days after a deposit is initiated. 8 Partner Banks so up to 2M in FDIC insurance.
4.00%	11/15/24	IGObanking Money Market	$25k	?	N	N	Y	Y/Y	-
4.00%	11/15/24	Bank Purely Insured MoneyMarket	$25k	?	N	N	Y	Y/Y		Minimum $25k to open and earn interest ongoing.
4.00%	9/27/24	Elements Financial Credit Union High Yield Savings	$10k	No Max	N	N	N	Y/Y	-
4.00%	7/7/23	Emigrant Direct American Dream Savings	$1	?	N	N	N	Y/N	-
3.90%	12/4/24	Marcus by Goldman Sachs Savings	$1	$250k	N	N	N	Y/Y	-
3.90%	12/4/24	American Express High Yield Savings	$1	?	N	N	N	Y/Y	-	-
3.90%	11/26/24	Citizen’s Access Savings	$5,000	No Max	?	N	N	Y/Y	-	0.25% for balances under $5,000
3.90%	11/26/24	Discover Bank Savings	$1	No Max	N	N	N	Y/Y	-	No minimum deposit
3.90%	11/15/24	FNBO Direct Savings	$1	?	N	N	N	Y/Y	-	No minimum balance requirement
3.90%	9/27/24	My e Banc Money Market	$100k	?	?	?	Y	?	-	Balances below 100k earn 3.40%.
3.80%	12/13/24	Ally Bank Money Market	$1	No Max	N	N	N	Y/Y	-	1099-INT online & paper, unlimited external bank links, offers 1-day ACH transfers
3.80%	12/13/24	Ally Bank Online Savings	$1	No Max	N	N	N	Y/Y	-	1099-INT online & paper, unlimited external bank links, offers 1-day ACH transfers
3.80%	12/6/24	Capital One 360 Performance Savings	$1	?	N	N	N	Y/Y	-
3.77%	4/19/24	First Internet Bank Savings	$100	?	?	?	?	?	-	Must maintain $4,000 average daily balance to waive $5 monthly fee. Pays 4.95% with a daily balance above $1M
3.40%	9/27/24	My e Banc Money Market	$5,000	?	?	?	?	?	-	Minimum opening deposit is $5,000 but no ongoing minimum balance requirement. Balances below 100k earn 3.40%. Balances above 100k earn 3.90%.
3.25%	11/10/22	Northpointe Ultimate Money Market Account	$25k	3M	?	N	N	?	-	$25k min balance required to receive 2.95% interest rate
3.25%	11/10/22	Northpointe Bank Ultimate Savings	$25k	3M	?	?	N	Y/Y	-	25k minimum balance required to receive 2.95% interest rate
3.10%	3/1/23	Alliant Savings	$5		N	N	A	Y/Y	-	Rate requires a daily average minimum balance of $100.
3.00%	6/7/23	PenFed Premium Online Savings	$5	?	N	N	N	Y/Y	-
2.64%	12/4/24	Self-Help CU Money Market	$500	?	?	Y	Y	?/?	-	$5 fee for balances less than $500
2.53%	8/11/23	National Cooperative Bank Impact Money Market	$100	?	?	N	N	Y/Y	-	$25 monthly fee if balance falls below $5,000
2.50%	12/13/24	Varo Savings	$1	?	?	N	N	Y/Y	-
2.50%	10/10/24	Paramount Bank High Interest Checking	$1	?	?	Y	Y	Y/Y	-	Paramount Bank will automatically refund up to 20 (twenty) convenience fees per month.
1.55%	9/22/22	CIT Bank Money Market Account	$100	?	?	N	N	Y/Y	-
1.50%	8/18/22	Bank 5 Connect High Interest Savings	$100	No Max	?	N	N	Y/Y	-	FDIC Insured for up to $250,000 and DIF Insured for over $250,000, meaning 100% of deposits are insured in full; $1 monthly fee for optional paper statements
1.25%	12/4/24	Community Wide Federal Credit Union Savings	$1	?	?	N	N	Y/Y	-
1.10%	12/14/22	Vio Bank High Yield Online Savings	$100	?	?	N	N	Y/Y	-
1.00%	9/25/22	Elements Financial Credit Union Helium Savings	$2,500	No Max	N	N	N	Y/Y	-
1.00%	9/22/22	CIT Bank Savings Builder	$1	No Max	N	N	N	Y/Y	-	Requires minimum $100 deposit to open. Balance under $25,000 pays 0.40%, under $25,000 with at least $100 monthly deposit pays 1.00%, over $25,000 pays 1.00%

jtownsucks46

Walmart.com has the Ozark Trail 35L Silverthorne Backpack (blue or orange) on sale for $13 with free in-store pick up or free shipping with $35 minimum.

jtownsucks46

@fivetalents said in Free Equifax Credit Freeze Through 11-21-2017:

@jtownsucks46 said in Free Equifax Credit Freeze Through 11-21-2017:

Equifax allows for free locks/unlocks through the trusted id product that is free for a year if you’re someone who may have been affected. Transunion has a similar product that allows free locks/unlocks called TrueIdentity. I’ve looked into it and these locks are very similar to freezes.

Excellent info, thank you. My concern is that if your SSN# and associated info was stolen from Equifax, you are compromised for life, not just one year… and you have to pay for the identity protection services at 3 different bureaus or the freeze/unfreeze fees for life because one agency screwed you over.

I agree - at least Transunion is free - I guess they could always change that though. I’m hoping that during the year, Equifax decides to offer their service free for life rather than just the year. Hopefully there’s pressure put on them to do this. No matter what Experian offers no way to lock without a subscription and because of their subscription price, for most people it will probably be more cost effective to just pay to freeze and then pay to unfreeze and refreeze as needed.

jtownsucks46

Equifax allows for free locks/unlocks through the trusted id product that is free for a year if you’re someone who may have been affected. Transunion has a similar product that allows free locks/unlocks called TrueIdentity. I’ve looked into it and these locks are very similar to freezes.

jtownsucks46

Yes, must carry over the Crown Vic suggestions!!

jtownsucks46

Sad to lose FW but happy to be here and hope many others from FW join here!!