I have been a Netspend customer for about seven years. I was a victim of identity theft before that and had a terrible time when someone used my "real" credit cards. Now, I have every cent of my paycheck direct deposited. I pay all my bills online, by mail, by phone, in person, whatever. I get cashback at stores that offer it when I need it, and if I need larger amounts, I stop at any local bank, no matter where I am, and withdraw the money at no charge to me or my card. I use the card for hundreds of transaction a month, including dozens of purchases for goods at local stores, online, by phone, and mail. The fee for this is $9.95 a month. That's a fair price to know that no one can charge up 10 or 15 thousand dollars on a card and I would have to do the endless paperwork and calls to fix it. Been there- not again. I have had unautorized charges a few times, maybe three or four. One was for $483.00 from an obscure company in Germany. Netspend re-imbursed me immediately, and after trying for seven months, wrote me a letter that they had finally gotten the money back from the German company. But they had fixed the problem for me, on my end, months before they were even sure it was a bogus transaction. They also have an insurance plan that pays you the amount of your last months deposit to the card (in my case, all my earnings) for 12 months if you are disabled or in case of death (it will go to your beneficiary). That's a year of my net income. And the cost for it is NOTHING.
This company has gone above and beyond for me. I'm very loyal to them I get several offers every month for cards, insurance, magazines, and other services. If I'm not interested, I toss them in the trash. But not all of them are scams just because they send something in the mail. I routinely get offers from AAA, AARP, Sears, and others. All good companies.
Take a deep breath, folks. Not everyone is out to get you.
I believe 2010 will be a fresh new and upward start for most of us. Let us hope this new year will bring a new round of thinking that most worthwhile things in life are a long-term investment that comes after work, not a quick handout that happens instantly and you pay for years later.
The second half of this year has definitely been the worst so far with hardly anyone showing an interest in employing me despite my sending out hundreds of resumes. Unless I'm living in a cardboard box and begging for cash by the end of 2010, things really can't get much worse, right?
i am hopeful for 2010. 2009 was a very difficult year physically for my husband and i was not too skilled as a nurse. so with him healthy we should have a much better year.
I also did this summary and posted it on my fridge. I added this step too...
Review all debt accounts from credit cards, mortgage, student loans, car loans etc. Write down the interest amount charged or the portion of your payment that goes to interest from the most recent monthly statement for each account. Also find out if any account charges an annual fee to hold cards or other misc fees like late or over limit charges and divide by 12 to figure out your monthly average "fee" for each account. Now tally up all fees and interest for a total monthly amount from all accounts.
I did this earlier this year and was surprised to see the monthly total amount going toward interest and fees(NOT principal) even though my rates weren't very high! I only did this once when I was "getting my grip" on debt. The posting on the fridge was a huge motivator for me and I'm glad to say I'm now paid off on everything except for a student loan. And that one's gonna be gone by August 2010.
I'm hopeful, it's an exciting time to be alive - albeit a little scary with all the economic and policy changes of late.
But I've found that regardless of where I am in life there is always people who have a tougher time than me. If you don't think so then find a local nonprofit and volunteer your time, you'll appreciate life more.
I've recently become more involved with http://www.ForgottenVoices.org and I've got to tell you I say I'm doing it to help others but really I'm the one who ends up benefiting.
10 reasons I'm hopeful about 2010 (in no particular order): I quit smoking this year. My husband and I are decreasing our debt load. The economy is improving. If the company where I work fails, it will be the impetus for my return to the nonprofit work I love. My marriage is happier than ever. I've reconnected with old friends. We're using more solar power at home. The new mattress has eased my back pain. I've lived to see 2010 and share it with friends and family I love.
My hubby & I continue to work on our debt as well as carry on living frugally with fun. We pulled in "extra" income in December - which helped w/xmas - altho I had already knitted scarves for EVERYONE! Hubby's job holds fast & I continue in my performing work - Actually things look rosy for 2010 - but we are so used to pennypinchying that we have turned it into a high art!
I generally ignore the new year. It's just another day. I think 2010 will be pretty similar to 2009. I don't expect the world to end or the US to fall tomorrow.
I am always hopeful each new year. This year I would like to try to be healthier--eating healthier, excercising more regularly. Not only for my own health, but I feel I need to set more positive examples for my children. I am not sure how to do this, as finances are difficult, but I hope to educate myself on making healthier, economically sound choices.
I have been using Netspend for about a year. Blah blah I'm a single mom with horrible credit. Owe banks and other creditors etc... For me it works. I am a premier user so I pay 5.00 a month and that eliminates the 1.00 per swipe transaction and have my pay direct deposited (never been a problem). Yes, if you do not read the print you can easily lose money in fees. But I pay bills from my Netspend account, keep a small savings, and I no longer have to keep my money in a shoebox. Banks charge sometimes 35.00 on overdrafts, TD bank has effin cycle service charges, and some make you keep a minimum. And the poster who mentioned the "REFERRAL" is 100% on the money. I referred friends and family and they too received cards in the mail. That was an older option as Netspend now notifies the referred party via email.
People can and will be SCAMMED routinely and by almost everyone. How you can avoid that is to smarten up. Ask questions. What they are doing in NOT illegal. They are a branch of Meta Bank which has the largest ATM distribution in the US. Just about every ATM is owned and operated by Meta Bank. I like Netspend (not as much as I would like to bank for free) but to my knowledge there is no such thing?
Honestly, I haven't felt the effect of the economy where I work. I have continued to get raises/promotions except for a brief few months when they froze everything. I have been able to save quite a bit in 2009 and hope that continues through 2010. Things have gone quite well for me in 2009 and I hope that everything continues to get better for everyone. I am more anxious to see what 2010 brings us all.
I do like the "Wine Cube" wines from Target. I'll have to try the Black Box wines too!
My boyfriend prefers beer over wine. Fine by me, but I can't drink a bottle of wine by myself if I want to feel great the next morning. And I don't like next day opened wine. I started getting the wine boxes so I wouldn't have to waste a 8$ or more bottle of wine just to have a glass with dinner. The boxes are great!
My husband and I have a number of big decisions to make for 2010 (maybe moving, going to grad school, etc), but I am very excited for whatever we decide!
Wow, what stories. I work in their IT and we spend, spend and spend millions of dollars for equipment I see where this money comes from. Buy Cisco stock!
You are correct....there are some wonderful places to visit around the world. Not sure how this all works so please assist if you can. Steps I would take...simply contact the locations of my choice, visit at my expense and then the waiting period begins. If not, please let me know the appropriate steps. Am I responsible for all the fees, travel (air or car)? Or shall I ask what fees am I responsible for?
My husband is not as excited as I am about embarking on such lifestyle. He's 15 years older, retired and pretty settled. This is something that I have always wanted to do. I have actually collected maps of the world for years and have planned on this. Additionally, I have followed Suzi Siegle while she traveled the world too. She was a successful single female from NY and had graduated from Harvard. Her reason for traveling for a year was that she "felt stuck and needed to get unstuck." She posted a journal for the entire year and I tracked her and downloaded the journal. Should I let me husband deny me of such a dream? I have only been married for 1 year. The way I feel is that we have less time ahead of us then we have behind us. What's your thoughts?
Also, I contacted the organic market site you have listed as well. I paid the small fee for the year and have not been able to access the site contents. I submitted an e-mail to them and have not received a reply as of yet. Any suggestions?
Hope is not a course of action. Set definite goals and work them. Hope is passive. Be positive and take action.
I have been a Netspend customer for about seven years. I was a victim of identity theft before that and had a terrible time when someone used my "real" credit cards. Now, I have every cent of my paycheck direct deposited. I pay all my bills online, by mail, by phone, in person, whatever. I get cashback at stores that offer it when I need it, and if I need larger amounts, I stop at any local bank, no matter where I am, and withdraw the money at no charge to me or my card. I use the card for hundreds of transaction a month, including dozens of purchases for goods at local stores, online, by phone, and mail. The fee for this is $9.95 a month. That's a fair price to know that no one can charge up 10 or 15 thousand dollars on a card and I would have to do the endless paperwork and calls to fix it. Been there- not again. I have had unautorized charges a few times, maybe three or four. One was for $483.00 from an obscure company in Germany. Netspend re-imbursed me immediately, and after trying for seven months, wrote me a letter that they had finally gotten the money back from the German company. But they had fixed the problem for me, on my end, months before they were even sure it was a bogus transaction. They also have an insurance plan that pays you the amount of your last months deposit to the card (in my case, all my earnings) for 12 months if you are disabled or in case of death (it will go to your beneficiary). That's a year of my net income. And the cost for it is NOTHING.
This company has gone above and beyond for me. I'm very loyal to them I get several offers every month for cards, insurance, magazines, and other services. If I'm not interested, I toss them in the trash. But not all of them are scams just because they send something in the mail. I routinely get offers from AAA, AARP, Sears, and others. All good companies.
Take a deep breath, folks. Not everyone is out to get you.
I believe 2010 will be a fresh new and upward start for most of us. Let us hope this new year will bring a new round of thinking that most worthwhile things in life are a long-term investment that comes after work, not a quick handout that happens instantly and you pay for years later.
I'm also joyful, scared, determined, and eager! Who is this strange person I've become? :)
The second half of this year has definitely been the worst so far with hardly anyone showing an interest in employing me despite my sending out hundreds of resumes. Unless I'm living in a cardboard box and begging for cash by the end of 2010, things really can't get much worse, right?
I'm always hopeful at the start of a new year.
2010 is going to rock. I even have a job this year!
i am hopeful for 2010. 2009 was a very difficult year physically for my husband and i was not too skilled as a nurse. so with him healthy we should have a much better year.
I do still have a mortgage, that's gonna take awhile...
I am looking forward to 2010, but I am not anticipating any big changes.
I also did this summary and posted it on my fridge. I added this step too...
Review all debt accounts from credit cards, mortgage, student loans, car loans etc. Write down the interest amount charged or the portion of your payment that goes to interest from the most recent monthly statement for each account. Also find out if any account charges an annual fee to hold cards or other misc fees like late or over limit charges and divide by 12 to figure out your monthly average "fee" for each account. Now tally up all fees and interest for a total monthly amount from all accounts.
I did this earlier this year and was surprised to see the monthly total amount going toward interest and fees(NOT principal) even though my rates weren't very high! I only did this once when I was "getting my grip" on debt. The posting on the fridge was a huge motivator for me and I'm glad to say I'm now paid off on everything except for a student loan. And that one's gonna be gone by August 2010.
I'm hopeful, it's an exciting time to be alive - albeit a little scary with all the economic and policy changes of late.
But I've found that regardless of where I am in life there is always people who have a tougher time than me. If you don't think so then find a local nonprofit and volunteer your time, you'll appreciate life more.
I've recently become more involved with http://www.ForgottenVoices.org and I've got to tell you I say I'm doing it to help others but really I'm the one who ends up benefiting.
Bring on 2010!
10 reasons I'm hopeful about 2010 (in no particular order): I quit smoking this year. My husband and I are decreasing our debt load. The economy is improving. If the company where I work fails, it will be the impetus for my return to the nonprofit work I love. My marriage is happier than ever. I've reconnected with old friends. We're using more solar power at home. The new mattress has eased my back pain. I've lived to see 2010 and share it with friends and family I love.
My hubby & I continue to work on our debt as well as carry on living frugally with fun. We pulled in "extra" income in December - which helped w/xmas - altho I had already knitted scarves for EVERYONE! Hubby's job holds fast & I continue in my performing work - Actually things look rosy for 2010 - but we are so used to pennypinchying that we have turned it into a high art!
I generally ignore the new year. It's just another day. I think 2010 will be pretty similar to 2009. I don't expect the world to end or the US to fall tomorrow.
well ive already been told my job doesnt exist from may...whohoo!!! i havent had a summer off since i was at school, this is gonna be great :-P
I am always hopeful each new year. This year I would like to try to be healthier--eating healthier, excercising more regularly. Not only for my own health, but I feel I need to set more positive examples for my children. I am not sure how to do this, as finances are difficult, but I hope to educate myself on making healthier, economically sound choices.
2009 was the rock bottom so 2010 just has to get better.
doen't it?
I have been using Netspend for about a year. Blah blah I'm a single mom with horrible credit. Owe banks and other creditors etc... For me it works. I am a premier user so I pay 5.00 a month and that eliminates the 1.00 per swipe transaction and have my pay direct deposited (never been a problem). Yes, if you do not read the print you can easily lose money in fees. But I pay bills from my Netspend account, keep a small savings, and I no longer have to keep my money in a shoebox. Banks charge sometimes 35.00 on overdrafts, TD bank has effin cycle service charges, and some make you keep a minimum. And the poster who mentioned the "REFERRAL" is 100% on the money. I referred friends and family and they too received cards in the mail. That was an older option as Netspend now notifies the referred party via email.
People can and will be SCAMMED routinely and by almost everyone. How you can avoid that is to smarten up. Ask questions. What they are doing in NOT illegal. They are a branch of Meta Bank which has the largest ATM distribution in the US. Just about every ATM is owned and operated by Meta Bank. I like Netspend (not as much as I would like to bank for free) but to my knowledge there is no such thing?
Honestly, I haven't felt the effect of the economy where I work. I have continued to get raises/promotions except for a brief few months when they froze everything. I have been able to save quite a bit in 2009 and hope that continues through 2010. Things have gone quite well for me in 2009 and I hope that everything continues to get better for everyone. I am more anxious to see what 2010 brings us all.
I do like the "Wine Cube" wines from Target. I'll have to try the Black Box wines too!
My boyfriend prefers beer over wine. Fine by me, but I can't drink a bottle of wine by myself if I want to feel great the next morning. And I don't like next day opened wine. I started getting the wine boxes so I wouldn't have to waste a 8$ or more bottle of wine just to have a glass with dinner. The boxes are great!
I am hopeful that I will take all I have learned & put it to good use toward helping my family to become debt-free and financially sound.
My husband and I have a number of big decisions to make for 2010 (maybe moving, going to grad school, etc), but I am very excited for whatever we decide!
Wow, what stories. I work in their IT and we spend, spend and spend millions of dollars for equipment I see where this money comes from. Buy Cisco stock!
Nora,
You are correct....there are some wonderful places to visit around the world. Not sure how this all works so please assist if you can. Steps I would take...simply contact the locations of my choice, visit at my expense and then the waiting period begins. If not, please let me know the appropriate steps. Am I responsible for all the fees, travel (air or car)? Or shall I ask what fees am I responsible for?
My husband is not as excited as I am about embarking on such lifestyle. He's 15 years older, retired and pretty settled. This is something that I have always wanted to do. I have actually collected maps of the world for years and have planned on this. Additionally, I have followed Suzi Siegle while she traveled the world too. She was a successful single female from NY and had graduated from Harvard. Her reason for traveling for a year was that she "felt stuck and needed to get unstuck." She posted a journal for the entire year and I tracked her and downloaded the journal. Should I let me husband deny me of such a dream? I have only been married for 1 year. The way I feel is that we have less time ahead of us then we have behind us. What's your thoughts?
Also, I contacted the organic market site you have listed as well. I paid the small fee for the year and have not been able to access the site contents. I submitted an e-mail to them and have not received a reply as of yet. Any suggestions?