FYI, this is a freemium game - always free to play but heavy push of digital assets

@studentsavings I think you may have misunderstood my point.

“$100 a year out of nothing” could be one interpretation, but you’d need to get 1% interest bump get $100 (pre-tax). If you’re a student with a 0% federal tax rate, then it’s truly $100. If (like me) you’re in a 25%+ bracket, it’s really $75 at most, even less if your state taxes it (hint: mine does).

Right now, Ally Bank pays 0.6% on savings accounts so $10K vs. 0.10% at BOFA is a net 0.5% gain or about $50/$30 pre- or post-tax annually.

While I certainly wouldn’t give up gobsmacks of interest for in-person services, some of them are incredibly helpful. If you have need for: cashier’s checks; notarization; medallion guarantees; in-person on-the-spot large amounts of cash (ATMs will limit you to $500 a day or so); HELOC or mortgage loans at the lowest possible rates (I got Prime minus 1.01% on a HELOC for having a local account, 1/2 point lower than the best online competitor); or just about anything else requiring a human being, having a branch is helpful.

I’m more than willing to have an account with $10K or so in it locally in exchange for all of this, which in effect costs me $4/month or less after taxes. YMMV.

If all you want is a place online to get your bucks, go for it. Just be aware that anything else is going to be difficult to get service for unless you have at least one local bank with someone there with the authority to help.

@studentsavings How much is “some”? Even if you had $10K, the difference in interest would be $100 per 1 point of additional interest. And that’s before taxes.

As for risk, I’ve had an Ally Bank account for ages (current rate: 0.60%). There are no branches if you need branch services, but they are FDIC insured and stable, their phone customer service is prompt and high quality, and they have fewer fees than their no-monthly-fee brick-and-mortar competitors.

@mrsguin I started to go through the process and after several minutes hit a page where it asked for SSN and other PII including this phrase “This credit check may impact your credit score”.

I suspect this is a hard pull so be forewarned

@fivetalents I own this exact TV. I paid…uhhh… more than $148 for it that’s for sure.

Good luck to anyone who wants one. If you can get it, you’ll be exceptionally pleased imo.

@mistercheap Everything I want to buy is promo restricted, lol. Any recommendations?

YMMV but I got a mailer yesterday with $5 off any purchase no minimum starting today (Nov 11). If you have it and can get it to stack that makes the deal even hotter - brings the price for $25 down to $7.

@mistercheap I’m guessing he uses a GPS spoofer. There are tons of them that are fairly cheap but I haven’t used one in ages.

@mrvietnam Just got mine as well. Looks like next day turnaround. Now to figure out what to do with my Cheez-It credits…

Ok, I finished up 8+ hours this morning November 3rd at around 9am ET. Will report back on the success of getting the $5 Prime credit, $5 Cheez-It credit, both or neither