Best posts made by marcopolomle

It’s been a long standing thread mainly maintained by tracfancier on FW.

Other forums:
http://www.howardforums.com/forumdisplay.php/330-Tracfone-Net10?s=&pp=40&sort=lastpost&order=desc&daysprune=-1

http://s1.zetaboards.com/Turk/index/

These are my favorites:

1. Sandboxie - great for staying safe on the net, simultaneously logging into same website by using different sandboxes, trying out software etc

2. Malwarebytes

3. Cute PDF (print to PDF)

4. X-change PDF viewer (great for filling PDF forms)

First two are the only software I ever paid for and have lifetime license.

https://web.archive.org/web/20171007093025/https://www.fatwallet.com/forums

Card Link

Annual fee of $95 (not waived first year)
$100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services and airline lounge fees. Only applies to domestic-originated flights on certain U.S. Domestic airline carriers.
$100 airport security statement credit towards TSA Pre✓ ® or Global Entry Application fee every four year
Sign up bonus of 50,000 points after $3,000 in purchases within the first 90 days of account opening
Card earns at the following rates:
2x points for every $1 spent on travel and dining purchases [Read: Best cards for dining purchases]
1.5x points for every $1 spent on all other purchases
No foreign transaction fees
Eligible for Bank of America Preferred Rewards, meaning you can get an additional 25-75% rewards on all purchases. Makes the card earn at the following rates with top tier status:
3.5x points per $1 spent on travel & dining purchases
2.625x points per $1 spent on all other purchases
Points are worth 1¢ each and can be redeemed for cash back as a statement credit into eligible Bank of America or Merrll Lynch accounts or to purchase travel through the Bank of America travel center or to redeem gift cards

Title says it all.

Please note:

DISCLAIMER: Rates are for information purposes only and do not represent an endorsement or recommendation of any listed institution. Indicated rates are those published by the institution. Updates are made by FW members on a timely basis. However, as rates can change frequently and without notice, contact the institution to verify the current rate prior to investment. Investigate before you invest!

Only FDIC Insured Banks in the USA as well as Insured Credit Unions with NO or MINIMAL restrictive membership requirements.

Includes primarily rates that are posted on the institution’s website as these can be more easily monitored and updated. Exceptions should be noted.

Posted offerings should generally be OPEN NATIONWIDE TO ALL PERSONS - NO GEOGRAPHIC OR OTHER RESTRICTIONS and posted as “% APY”.

Key:

$ - Opening balance under $2500
$$ - Opening balance $2500 to $9,999
$$$ - Opening balance $10,000 to $24,999
$$$$ - Opening balance $25,000 and higher (+ denotes high end of range)(++ $100,000 and up)

Please post all types of questions in this thread.
Ask anything you were afraid to ask elsewhere.
No flaming or fighting please.

@marcopolomle said:

DO NOT CALL LOCAL STORES TO CHECK INVENTORY !
Employees have been known to tell you they have none and set aside the good deals for themselves

Staples Office of the President: 1-800-338-0252 Business days only M-F, 9-5 EST

Currently working Staples inventory checkers:

http://www.userquote.com/tools/inventory_checker.php

http://checkinvt2.appspot.com/

http://checkinventory.site44.com/

http://checkinventory.net/

http://brickseek.com/inventory-check/staples/

sd.site88

This is a targeted offer like any AMEX Offer

Select American Express cardholders are receiving an AmEx offer:
Get an additional 5,000 Membership Rewards points one-time by using your enrolled card to spend $99+ on an annual Amazon Prime membership at Amazon.com by 1/31/18. Points will post by 3/2/2018 Thanks @VegasVegan

Check your Amex offers !

According to him “Innovis offers a path to obtaining your credit report four times each year for free” and
"My suggestion is to do so at the end of each quarter, bearing in mind the current quarter conveniently ends this coming Saturday"
However, I don’t see that on their site that you can order 4 time per year In the wake of the Equifax data dump debacle ?

@bostonone said in Welcome FatWallet Refugees:

Checking in. Thanks to the folks who got this up & running. Reach out if you need help - glad to volunteer and help in any way I can.

Glad to see you here.
What I am doing is:

1. Make people aware about this site.
2. Post important threads from FW to continue the discussion here after FW is shut down.

Anyone complaining about the look of PWF see here when FW started

For the deals here on credit cards with Balance Transfer offers.

Requirements for cards to be included in this list:

1. Must have no Balance Transfer fee or capped Balance Transfer fee (BT fee).
2. 0% or very low APR for Balance Transfers.
3. Must not be a pre-approved offer like you get in the mail.
4. Geo-specific cards (like National City & Fifth Third Bank) are OK, but note if they are restricted.

Some useful sites:
http://www.magnifymoney.com/blog/balance-transfer/no-fee-balance-transfer-credit-card1322859387/?xcust=ebs2d4246631d13681d1506195638328sbe

https://www.nerdwallet.com/blog/top-credit-cards/nerdwallets-best-balance-transfer-credit-cards/

Thanks Mr, C as always

I am so happy that MrsGuin is here

There is a new rule from Bank of America whereby they’ll only approve you for at most two cards per rolling 2 months, three cards per rolling 12 months, and four cards per rolling 24 months.
While the rule sounds similar to Chase’s 5/24 rule, in fact it’s much more manageable. Chase’s rule looks at new cards from all card issuers combined, essentially weeding out churners from ever getting a Chase card. BofA merely limits us as to how many new BofA cards we can get per 2/12/24 month timeframe.

Other Banks with similar restrictions:

Chase has their 5/24 rule, and they recently limited having multiple Sapphire cards.

With Barclays it’s always been hard to get many cards, and they’ve now severely limited Arrival+ card approvals.

Citi limits us to one bonus from within each card family per 24-months.

Amex for quite some time has their rule about only giving the bonus on each card once.

Thanks DoC

LG Fiesta 2 5.5" 16GB, 2GB ram, Android TracFone with 13MP Camera, Case, Car Charger, App Pack and 1500 Minutes, Texts and Data with 1 Year of Service

Sign up for their emails and get $25 off 50 coupon that can be used on this deal (must use an email not used on HSN previously)

Thanks tracfancier & NotYourMomma

Wow. What a scam.
Maybe they themselves leaked our info to the hackers in order to make make money both ways.

Anyone still hung over from FW can visit here till they get over the loss.

1. DO NOT keep money in an account more than FDIC coverage limits

2. DO NOT link PayPal to an account with more money than you are willing to lose.

3. DO NOT Keep Cash or other assets at Banks with whom you have Credit Cards.

   Please feel free to add your suggestions.

However, being a former FWer you all probably have multiple bank accounts which you can use for different purposes

@fivetalents said in Planters Deluxe Mixed Nuts 15.25 oz $3.93 at jet.com:

The unsalted version costs $4.47 before any discounts but currently there is a 10% JetCash offer so it wouldn’t cost much more than the OOS lightly salted version for those who can make use of the JetCash. You can add your own salt to the can and shake it if desired.

Planter’s Snack Nuts, Deluxe Mixed Nuts, Unsalted, 15.25 Oz

I must be going nuts.
I ordered 8 unsalted mixed nuts after receiving the $10 off on your first 3 orders coupon for a grand total of $25.xx

@fivetalents said in Google Home Mini w/ $25 Walmart credit to the Google Express store $29 in-store @ Walmart:

20% 0ff your 1st order (up to $20) with code SHOP2018. Expires 03-01-2018, exclusions apply.

I tried using it last night but it doesn’t combine with $25 Walmart credit which is a coupon.
This was my worst deal in recent times since first they price adjusted to bring the total down below $50 and I didn’t get the $20 Amex offer credit either and now having to buy overpriced items,
Never going to use Google Express again.

If you do this deal on February 4th it can stack with the 10x UR points offer when using Chase Pay with Freedom or Sapphire Cards

Link

My referral code is YAA0662
You have until June 15 to apply!

To get the $100 Bonus, the following requirements must be met:
• Direct deposit of $250 or more posted to the account by midnight July 16, 2018. Bank transfers do not qualify for direct deposit. Direct deposit should be recurring payroll, Social Security, pension or other government benefit. Multiple deposits that aggregate $250 do not count towards bonus.
• 5 or more debit card purchases of at least $5 each or more, during the promotional period of May 3, 2018 through July 16, 2018. ATM transactions do not apply. All transactions must be posted to the account by midnight July 16, 2018.
• Enroll in online banking.
• Sign up for E-Statements.

Now we are rolling

@moonknight said in Welcome FatWallet Refugees:

Looking forward to the new site, willing to help with things if I can, just let me know. (ubermoonknight)

You can help by posting deals and important thread contents from FW to make sure this site have enough content for soon to be former FW members.

@tracfancier said in Current Tracfone Deals / Discussion thread:

Thanks marcopolomle, I had not heard of this new site.

I haven’t heard of it till this morning either !!!
You should be a Mod here simply based on your contributions on FW.
I officially propose your name for a Moderator.

@dangeRuss
I was wondering that we should put a little note on the signup page for members to preferably keep their FW username.
It will make it much easier for everyone knowing who’s who from FW.
What everyone else think?

I sometimes find it hard to figure out which App works for a particular job.
A Google search often leads me to sites with confusing results and which probably gets some commission out of recommending them.
I am hoping that FW members here will some personal insight about various Apps based on their personal experiences.

@mikk1 said in Post your favorite windows software thread:

I don’t know that it’s really considered software - but, anyone here using a VPN that they would recommend?

I’m using PIA vpn service and it has worked well for last 3 years.
I have nothing to compare it with since it has been the only VPN I have ever used.
So, take it with a grain of salt.

You go G Girl !
I’m learning so much from you guys
I never knew all these existed.

• A FAST/good document feeder/scanner where you can quickly store documents on your computer. Flatbed scanner won’t cut it.

• SSD hard drives.

• Autopay/direct debit credit cards: only have credit cards that can be set up to automatically withdraw full balance from bank acct on the payment due date. I still review the statements to see if any charges are inappropriate, but otherwise don’t bother with paying credit card bills.

• Autopay all utilities, other recurring charges: I try to have them charged to a credit card, rather than withdrawn from checking (to maximize cc points, minimize revealing bank account info, and to be able to dispute the cc charge if there is a problem).

• Pay all remaining bills by checkfree/bank online type programs. Sometimes these can be automated as well to automatically write and send the check (or wire equivalent). BOA & Citibank works well for this.

• Direct deposit of paycheck.

Many trade jobs: If I can pay someone $X/hour to do that work, and I make $X Y/hour at my job or I otherwise value my leisure time at that much, and Y > any extra time/cost in dealing with the outsourcing, then it is simple math that it makes economic sense to outsource/delegate/hire out certain tasks. ** BUT, remember the money you earn is pre-tax. The money you spend is post-tax. With this in mind, it’s costing you ~30-40% more than what you’re earning.

• House cleaning - would take me 4-5 hours, get it done for $XX.00
• Oil changes - would take me about an hour in my garage and get it changed for $XX.00 in labor.
• Snow Removal
• Painting
• Car washing (I drop it off with the guy in the parking garage)
• Handyman jobs
• Lawn mowing
• Gutter cleaning ( see @mikk1 post above or let someone else be at risk to fall off the ladder)

• When outsourcing many trade jobs, the trick is finding a good person. That usually means not using a professional service that advertises and instead finding an individual who works on their own – usually recommended by a friend.

@ma-barker said in TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money):

btw, talking of deductibles, I know of someone who chose the highest deductible to get lower premiums on their auto insurance. Then one day, she got involved in a minor accident that needed minor repairs to her car. When she filed a claim, she realized she has to come up with her deductible first before insurance takes the rest of the tab; she didn’t have an EF to cover for it so she can’t have her vehicle repaired.

Wonder why she filed a claim.
The whole idea behind this strategy is to pay OOP for minor repairs.
Also, the premium goes up if you use insurance claims.

Title says it all.

DO NOT CALL LOCAL STORES TO CHECK INVENTORY !
Employees have been known to tell you they have none and set aside the good deals for themselves

Staples Office of the President: 1-800-338-0252 Business days only M-F, 9-5 EST

@meed18 said in Bank of America Premium Rewards Credit Card – 50,000 Point Bonus, $100 Annual Travel Credit:

Happy to see that my last useful post from FWF was reproduced here as one of the first finance posts. thanks @marcopolomle !

Thanks meed18
I’m just trying to keep the discussion continue here once the FW is shut down.