Best posts made by mtnagel

@vegasvegan
Guess Vegas is more expensive than Cincinnati. The Walmart 64 oz vegetable juice is $3.12 here, which is $0.04875/oz. My last order was $2.97 so it’s gone up a bit, like everything else.

@vegasvegan
Oh yeah, that would make much more sense in the context of this thread

But I don’t mind the Walmart brand. I think V8 is better, but in a bloody mary with a bunch of spices, I’m okay with the Walmart brand.

Got a free bar today at Kroger. Thanks!

@mistercheap
Thanks for clarifying. I just recently started using it and I guess I read their terms incorrectly.

Damn, not a single OH rebate.

@alanmax said in Best Nationally Available High APY Liquid Accounts:

@atikovi said in Best Nationally Available High APY Liquid Accounts:

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Brio Direct High Yield Savings was 1.15% now 1.80%
Just noticed it says “$25k” to open, should be “Open with just $25”

No balance limit to get the 1.80% rate? I don’t see that mentioned on their website.

What bank and link is for 1.80%???
TY!!!

Google is your friend - https://www.briodirectbanking.com/high-yield-savings/

I just signed up yesterday. Moving some money around to move the bulk of my money there.

@mrvietnam said in Amazon Prime Day Deals exp. 7/13/22:

I was manually credited the $12.50 promotional credit yesterday for buying a $60 Amazon gift card, but this morning I see an automatic $12.50 credit was issued. I will call Amazon later today and explain to them the duplicate credits and let them know they can take one of the 12.50 credits back. At the time I called customer service yesterday I did not realize the promotional credit was not instant.

Their support reps should have know the rules and informed you it would be delayed. There is no way I’d contact them to tell them to take money back. They are giving out millions in promo credits. I don’t think they care about your $12.50.

Maybe common knowledge, but if you open the link in an Incognito window, it will give you a new coupon with a new code with an expiration date a month from today. So seemingly you can keep printing new coupons until they shut it down.

@mrvietnam said in Target/WMT/Acme: Blue Diamond Extreme Almonds - Free or up to $5 mm ac's/IBOTTA/$5 online rebate:

            Use Alexa’s shopping list to get cashback in physical grocery and pharmacy stores.

You pretty much figured it out Alexa app. Add offers. They are almost all identical to coupons.com, but not always. The process is pretty much - Buy item, submit picture of receipt, scan bar code. Get $ back as Amazon gift card. First time it took days, but now it’s been within 24 hours lately. You can double dip with coupons.com. Amazon has always given me my credit when coupons.com has rejected it (when an item was on sale, for example).

I opened and funded the account on July 7th. I have a linked external account, but when I try to transfer some of my money out of my Bread account into an external account, no matter what amount I put, I get the error, “That’s more than you have to transfer!” Even trying $1 gives that error. Is there a reason I can’t transfer any amount of money out? I sent them a message, but anyone here know if they have some limit where the money has to stay in your account?

@mtnagel said in Best Nationally Available High APY Liquid Accounts:

I opened and funded the account on July 7th. I have a linked external account, but when I try to transfer some of my money out of my Bread account into an external account, no matter what amount I put, I get the error, “That’s more than you have to transfer!” Even trying $1 gives that error. Is there a reason I can’t transfer any amount of money out? I sent them a message, but anyone here know if they have some limit where the money has to stay in your account?

To answer my own question. It turns out there is a 10 business day hold for accounts <30 days old. That gets reduced to 5 business days for older account. Kind of annoying, but it is what it is. I just wish they were more upfront with it. Here was their exact response:

Within the first 30 days following account opening, all deposits will have a 10 business day hold applied. Please note that this hold does not apply to direct deposits initiated by your external financial institution or wire deposits.

Following the 30 day new account period, the hold for electronic deposits initiated by Bread Savings (via telephone or through your online banking) will decrease to 5 business days. The hold time for deposits by check will remain at 10 business days.

Probably also on Amazon Alexa shopping lists for $1.25 back.

@mrvietnam Mines says 3 business days.

@mtnagel said in FREE Can of Serious Bean Co. Beans Coupon - exp unk:

Maybe common knowledge, but if you open the link in an Incognito window, it will give you a new coupon with a new code with an expiration date a month from today. So seemingly you can keep printing new coupons until they shut it down.

FYI, this is still working.

@mistercheap said in WALGREENS B&M: Get your flu shot between now and 9/30, earn $10 WAGS CASH when you spend $1 (some states excluded) see post/link.:

@mtnagel said in WALGREENS B&M: Get your flu shot between now and 9/30, earn $10 WAGS CASH when you spend $1 (some states excluded) see post/link.:

I just got this for a COVID booster. Figured it wouldn’t apply since it specifically says flu shot. But it’s annoying that it’s added as Walgreen Cash after the first purchase, which I didn’t know. I would have purposely bought something cheaper first, then bought something over $10.

I think you get it for the new Covid Booster too, however, personally I wouldn’t get them done together. Also, I think you have to wait 6 months between boosters? not sure if that ‘rule’ is still being applied with Covid. But the flu shot one is only until 9/30, not sure the T&C for the Covid booster offer.

Yes as I mentioned, I got it for the COVID booster.

Pretty sure it’s 4 months between boosters. My last booster was last Nov so I’m way past that.

@briarycliffs Thanks for letting me know. It is odd that I had that NBPR gas rebate several months ago that worked in OH.

@mrvietnam said in New Ibotta Changes Affect Coupon & Rebate Stacking ... and It Isn't Good: Ibotta no longer allows you to stack coupons - quietly put into effect on 9/14/22:

@mtnagel said in New Ibotta Changes Affect Coupon & Rebate Stacking ... and It Isn't Good: Ibotta no longer allows you to stack coupons - quietly put into effect on 9/14/22:

It’s annoying that it’s only on certain offers so I’ll have to make sure to check each offer closely before buying.

As I pointed out in my post on the policy page it is banned across the board.

@mrvietnam said in New Ibotta Changes Affect Coupon & Rebate Stacking ... and It Isn't Good: Ibotta no longer allows you to stack coupons - quietly put into effect on 9/14/22:

@mtnagel said in New Ibotta Changes Affect Coupon & Rebate Stacking ... and It Isn't Good: Ibotta no longer allows you to stack coupons - quietly put into effect on 9/14/22:

It’s annoying that it’s only on certain offers so I’ll have to make sure to check each offer closely before buying.

As I pointed out in my post on the policy page it is banned across the board.

Well not as of yesterday at Kroger and Meijer at least. 2 offers at each that didn’t have the new note about stacking and I stacked coupons and they both went through quickly. Maybe that will change, but for now, it appears that as long as the specific offer don’t have the new note, you can stack.

Sorry, it was yesterday morning. I already pulled out the money but sounds like they can pull it from my bank account but no indication of that yet.

@dangeruss said in New Ibotta Changes Affect Coupon & Rebate Stacking ... and It Isn't Good: Ibotta no longer allows you to stack coupons - quietly put into effect on 9/14/22:

@mrvietnam coupons.com had had the policy for a while but I feel like it still goes through

It’s hit or miss for me. Sometimes they go through sometimes they don’t. Just had a Colgate offer rejected where I used store coupons/discounts as well. So I only do it when it’s still a good deal if I don’t get it.

@atikovi said in Best Nationally Available High APY Liquid Accounts:

@mtnagel said in Best Nationally Available High APY Liquid Accounts:

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Dollar Savings Direct Savings was 2.00% now 3.00%

I already have an account, but it only says 2% and the asterisk on the homepage says effective today Sept 20th, so I wonder if I have to open a new account?

I do too and forgot what a pain they were to deal with. Can’t ACH funds in from an external account. To originate ACH through DSD from an external account it mush be from a checking account that has actual paper checks. You will be asked to provide us with a signed Account Verification Authorization Form which will allow DollarSavingsDirect to contact your bank directly should we require further verification of ownership of the external funding account. You must send the Account Verification Authorization form along with a voided check with your DollarSavingsDirect account number written in the memo portion Of all the banks to have the highest rate, why does it have to be this one.

Hmmm, I don’t remember any of that, but I’ve had an account since 2008. I still have my main checking account that I’ve had forever as an account I can transfer money from, but it is a real checking account that I have paper checks for (somewhere), so maybe that’s why. If I can get the 3%, I’ll just transfer the bulk of my money sitting in Brio Direct earning 2.2% to my checking account and then to DSD.

I’ve checked 2 Krogers and a Target and neither had these despite their sites showing they carry them. And now I just read it again and it says refrigerated, but I’ve been checking the freezer section. Doh!

Email I got today. I’ve already taken all my money out awhile ago.

Upcoming changes to the HMBradley Deposit Program
Inbox

Hi Matthew,

The deposit program sponsored by Hatch Bank will end on October 31, 2022. We are working hard to make sure HMBradley continues to improve and grow with you.

On September 29, 2022, we will be launching a new deposit program with New York Community Bank (NYCB).

Your action is required and you have choices. Please continue reading for important information about what you need to do.

Hatch Bank will automatically close all deposit accounts at Hatch Bank after October 31, 2022, unless you:

Open a new HMBradley Deposit Account with NYCB, transfer your available balance to your new account, and close your deposit account at Hatch Bank, or
Close your deposit account at Hatch Bank and direct them where to send any funds on deposit by October 31, 2022.
As an incentive, customers who open an HMBradley Deposit Account with NYCB by October 31, 2022, will be eligible to earn either 3.00% or 2.00% annual percentage yield (APY) until January 31, 2023. See the NYCB Deposit Account Promotion for promotion details and NYCB Deposit Account Terms & Current APYs for the NYCB Deposit Account Agreement and Disclosures and current APYs.

Learn more
What happens when I open up a new HMBradley Deposit Account with NYCB?

When you open a new deposit account with NYCB before October 31, 2022, HMBradley will close your deposit account with Hatch Bank and transfer your available balance to your HMBradley Deposit Account with NYCB. To allow for the time it takes to switch your direct deposits, we will give you the option to permit us, until November 30, 2022, to redirect these deposits from your deposit account at Hatch Bank to your new HMBradley Deposit Account with NYCB (“Switch Service”). You will earn interest on funds transferred to your HMBradley Deposit Accounts with NYCB from the date the account is funded. Hatch Bank will not pay any interest on any funds credited to your deposit account at Hatch Bank after your new account is opened at NYCB.

Important considerations:

Switch your direct deposits and incoming transfers to your new HMBradley Deposit Account with NYCB before October 31, 2022. Please provide your employer or payroll provider with the account number and routing number for your new HMBradley Deposit Account with NYCB. You will be able to find your deposit account number and NYCB’s routing number in your HMBradley profile. If you don’t elect Switch Service, Hatch Bank will close your account and return any deposit transfers to the originating bank.
Discontinue any recurring ACH or debit card electronic funds transfers from your deposit account at Hatch Bank and re-establish those ACH transactions from your new HMBradley Deposit Account with NYCB.
Remove your current HMBradley debit card from your digital wallet (including Apple Pay, Google Pay, and Samsung Pay).
Please make sure your email address, phone number, and mailing address are correct in your HMBradley profile so we can process any claims of error or unauthorized transactions, merchant refunds or credits, or any other credits due to your account at Hatch Bank.
Starting September 29, 2022, you will not be able to initiate inbound ACH transactions from your deposit account at Hatch Bank.
What if I want to close my deposit account at Hatch Bank?

If you just want to close your deposit account at Hatch Bank before November 1, 2022, contact customer support for assistance. When you contact them, you may direct Hatch Bank where to send any remaining funds on deposit. If you do not close your deposit account at Hatch Bank by October 31, 2022, Hatch Bank will automatically close your deposit account and send you any remaining funds over $1. On October 14, 2022, the annual percentage yields (APYs) associated with the Savings Tiers on all deposit accounts at Hatch Bank will be 0.01%. The Savings Tier Boost Promotion will be terminated for all deposit accounts at Hatch Bank effective as of September 30, 2022.

When Hatch Bank closes your account, it has no obligation to accept deposits or pay any outstanding items.

Important considerations:

Switch your direct deposits and incoming transfers before October 31, 2022. Please provide your employer or payroll provider with the account number and routing number for your new bank account.
Discontinue any recurring ACH or debit card electronic funds transfers from your deposit account at Hatch Bank.
Remove your current HMBradley debit card from your digital wallet (including Apple Pay, Google Pay, and Samsung Pay).
Please make sure your email address, phone number, and mailing address are correct in your HMBradley profile so we can process any claims of error or unauthorized transactions, merchant refunds or credits, or any other credits due to your account at Hatch Bank.
Starting September 29, 2022, you will not be able to initiate inbound ACH transactions from your deposit account at Hatch Bank.
Questions?
We’ve prepared FAQs for this transition, and you can always reach out to us here.

We value each and every one of our customers – thank you for being part of HMBradley!

All deposit accounts are provided by New York Community Bank or Hatch Bank, Members FDIC.

Thanks. Available at Whole Foods and Fresh Market near me.

Got it but it was $2.99 minus $0.49 savings minus $0.25 prime savings, but yet I only got credited $1.99. Not sure it’s worth fighting for $0.26.

I had a free Light Life flavored tempeh that said it was free, but it was only $3.99 back and it was $6.29 at Whole Foods. I still bought it. Have a free Core Keto bar, but couldn’t find it at WF or Kroger. I have separate offers for a free Perfect bar at Kroger and Walmart. Kroger does have them so I should be able to get it. A bunch of BOGO stuff they annoyingly put in the Free section that I won’t buy.

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Bank Purely Money Market was 2.75% now 3.01%
iGo Banking Money Market was 2.75% now 3.01%
Synchrony Bank Savings was 2.25% now 2.45%
Bank7 Savings was 2.00% now 2.50%

And now Dollar Savings Direct is at 3.05%. I love that they keep raising to make the claim, “America’s Highest Rate.”

@my4mainecoons said in Checkout 51 offer: $3 off a 48 oz bottle of Wesson cooking oil - limit 3. A 48 oz bottle costs $4.84 at Walmart.:

@niniss Since I use oil slowly I keep the bottle I’m using in the refrigerator. The others are in my unheated basement and are still good after years. I refrigerate a lot of stuff because I use it so slowly, e.g. ketchup, raisins, mustard, even moisturizer.

We store nuts in the fridge. Anything with oils are subject to oxidation and will taste off. Don’t have to worry about canola oil, but for oils that solidify in the fridge, like EVOO, I keep a small bottle out of the fridge I use as needed. When it’s getting low, I get the big bottle of EVOO out to thaw, fill the small bottle and put the big bottle back in the fridge. Lasts a very long time that way.

Might finally be dead. It now says it’s “paused” so it might be back I suppose. I still have a few more coupons so I’ll probably be able to get another couple cans. I used one of the Southwest Smokehouse black beans in a chili yesterday and that worked out well.

It’s now happened twice now that I’ve tried to use the app, but my receipt has been rejected because the receipt doesn’t have last 4 digits of the credit card. As if I have any control over what the business puts on their receipt. The first one was like $0.50, so no big deal, but this last one was 30% off of ~$30 bill so ~$9 back that I won’t be getting that I was expecting. It wasn’t the only reason I went to the business, but it was one of the reasons. I feel like I should just delete the app if they aren’t going to pay out for something I have zero control over.

I got a text message with my class member ID. Android/Samsung put it in my spam folder though.

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

All America and Redneck

WTF?

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

@mtnagel said in Best Nationally Available High APY Liquid Accounts:

WTF?

https://allamerica.bank/personal/banking/checking/mega-money-market-checking
Redneck Bank® is the Internet Banking Division of All America Bank®, established in 1969.
Bankin;s funner, love squirrel with lawnmower !
https://redneck.bank/accounts/mega-money-market

Seems like a really dumb marketing strategy. Wouldn’t think twice about signing up with any online bank that was FDIC insured, but I’d have a difficult time signing up for one named Redneck Bank.

@phatwallet said in FREE $10 Rebate Check or Subscription to Vanity Fair Magazine - exp unk:

$10 rebate form isn’t working.

https://drive.google.com/file/d/1uSn6odQ5Eci7AiQCLuiJOnX6eAkmrrwT/view?usp=sharing

Not available at my Kroger unfortunately. Oddly it’s only at Walmarts farther out of the city.

@sonofzeus said in Kroger (and affiliates) Cash Back offers:

@mtnagel I just discovered Kroger cashback offers. Minimum balance required to sweep? Customer service responsiveness to solve processing errors?

It takes a couple days after you buy an item to for it to show up in your cash back balance. You can cash out any amount to your shopper’s card. I think you need $5 to cash out to paypal.

I don’t think I’ve ever had an issue with them giving me the cash back but I honestly don’t use it much as there aren’t many things I buy in the offers, but their customer service is really good. I’ve complained about various issues (charged twice, not given a discount, poor quality product) and they always respond and add cash back (usually $5) to my account.

@ctujackbauer said in IBOTTA: Free Turkey and sides offer is back for 2022. Redeem 21 offers by 11/18 for free $14 Butterball Turkey and then unlock 3 sides (all major grocery chains):

Meh, if ibotta doesn’t bring back the 9 free Thanksgiving offers at Walmart, then ibotta can go stick that turkey where the sun don’t shine.

Although that does remind me that I really should use up that free cornbread mix I got last year.

The cornbread was good. I still have the fried onions that I opened last year so yeah those should probably be tossed.

@atikovi said in Best Nationally Available High APY Liquid Accounts:

@mtnagel said in Best Nationally Available High APY Liquid Accounts:

@atikovi said in Best Nationally Available High APY Liquid Accounts:

@goldsheet My head is dizzy transferring funds back and forth between all my banks the last month as they raise their rates.

Dollar Savings Direct has been raising their rates to maintain their claim of the “America’s Highest Rate” so I’d expect them to raise theirs to match Bask. So you could just put it there.

DSD has a lousy ACH transfer policy. You can’t use an external bank to transfer money out of your DSD account (and maybe in, too), and you can have only an external personal CHECKING account linked to your DSD account to transfer money initiated through DSD.

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

@mtnagel Dollar Savings Bank only allows one linked account it has to be a checking account and it’s the only way to transfer funds. = Horrible

I just set up my T-Mobile account to push money to DSD so it’s possible to push from an external savings account. My DSD account is linked to a checking account and I have used that account as a middle man to then transfer to another bank as well so that’s possible. I’ve had my account for many years and haven’t used it in awhile, but it’s been nice that they’ve just been matching the highest rate lately so I’ll jump through a few hoops instead of creating new accounts to chase the best rate.

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

@mtnagel
Yes, I mentioned previously Brio did the “switch-a-roo”
(like UFB, Popular, CIT, Salem Five, and a few others)
I have:
BRIODIRECT MONEY MARKET Interest Rate 0.698 %
BRIODIRECT SAVINGS Interest Rate 2.127 %
BRIODIRECT SAVINGS PLUS Interest Rate 3.682 %

Shady. Makes me want to just pull all my money and close my account.

https://www.cheesecakebonus.com/

Bizarre that you have to buy the GC in store at a Walmart. $5 bonus eCard expires 3/31/23.

Wonder if electronic receipts would work? I don’t think you get paper receipts from Kroger grocery pickup. It says copy of receipt so I don’t see why it wouldn’t, but would hate to get it declined for that.

Anyone do this yet? Assuming no one got the credit yet. Boy those tomatoes are expensive! Bought 2 packs today and it was $5 each. Hopefully it works out. Sucks that you have to mail it in and you won’t know for 4 weeks so I could spend $20 on tomatoes and possibly not get it, but hopefully not.

@mrvietnam said in Kroger buys Albertson's Co (including all related chains - Acme, Shaws, Safeway, etc):

IF this goes through I see prices going up even more than they went up before.

You don’t believe a CEO when he says they will go down?

At the hearing Tuesday, McMullen said that the combined company could help lower food prices

I decided to do the reloadable but got declined. What the literal F? I was thinking maybe because my credit reports are locked, but it says they don’t check your credit. Very bizarre.

This is the first one I tried and I got the Merry Christmas one - https://www.swagbucks.com/?f=55&t=w&p=1&q=Santa+claus

And I was able to get it again with random searching.

In the before times, we’d eat in and get an appetizer and a burger and with bottomless fries and it was way more food than 2 people should be eating for a pretty good deal. I’ve done the takeout burger a couple times during covid and it wasn’t as good as fresh. So the changes don’t really bother me that much as it seems like most of the birthday rewards are getting reduced. First Watch went from a free entree to BOGO.

Looks like the changed the terms. Glad I checked before buying 2 more tomorrow. It now says:

Maximum reimbursement is two (2) products per household. Each rebate submission may include one (1) or two (2) qualifying NatureSweet products. Each household can submit one (1) rebate request with two (2) products, or two (2) rebate requests with one (1) product each.

Pretty shady. Hope I get my $10.

@phatwallet said in 2022 MASTER THREAD -NBPR (can now choose PAYPAL for reward) - No Beer Purchase Required Rebates online submission:

Are there any offers for '23? TIA

This website has a filter for state and NBPR rebates - https://beermoney.pro/

@dionaea said in Fetch Rewards point devaluation.:

Well, I got Ibotta set up and am working on figuring it out. Scanned and submitted a receipt for a couple items I purchased a few days ago that were on their points-for-purchase list, and it worked!

Thanks for using my referral!!

@dionaea said in Fetch Rewards point devaluation.:

I don’t want to link any of my store accounts to ibotta, so I’ll just keep doing the scan and submit thing even though it’s not nearly as user friendly as Fetch. While Fetch gives you 25 points for each receipt, even if you haven’t purchased anything on their points-for-purchase offers, Ibotta does not do that, right? Ibotta only gives points if you purchase something in the points-for-purchase offers?

You have to match an offer to get any money back. There are “any item” offers and “any brand” offers (like any brand baby food) as well. But there are many shopping trips I make that doesn’t match any item so I don’t scan the receipt in Ibotta.

@dionaea said in Fetch Rewards point devaluation.:

I saw CVS and a couple other drugstores, but what about grocery stores like Kroger and Publix and Walmart?

They are in there. You can search for stores in the search box.

@pakle said in Fetch Rewards point devaluation.:

I got 5pts from the Daily spin today so I think I’m done with this unless someone is nice enough to post when they get a 100pt or more spin day.

I got 25 today so I guess it’s not predetermined.

@atikovi said in Best Nationally Available High APY Liquid Accounts:

@turtlebug said in Best Nationally Available High APY Liquid Accounts:

MySavingsDirect MySavings Account now at 4.35% APY with $1 minimum initial deposit. Available nationwide.

How much hassle is getting 0.10% more interest over banks with 4.25% APY worth it?

And extra 82 cents per month per $10,000.