Helen Brett Schedule 2018-2024 Form

This is my fake Amex Centurion card. I bought it online for about $150 in 2016. Sadly, that operator is no longer in business, and I haven’t been able to find any others who do quite the same thing since then.When I bought it, I was given a form where I had the options to add a name, credit card number/expiry date (which I just made up randomly), and a “member since” year (which I made the same as my real Amex Gold card, so that my story would be at least somewhat consistent if I was ever called out on it).When the card came in the mail, I was also given a paper form that I could fill out where I could send the card back along with my “real” credit card details, which they would then program into the chip and the magnetic stripe so it would actually work. That was too risky for me, so I declined.So indeed, it is possible. But having the card and not using it has a much better effect than actually using it I think. Since it’s mostly a social experiment to me, I think it’s more interesting to see how people act when they think they subtly noticed my black card and they’re being all sneaky acting “suddenly” nice and interested in me. Whereas if I hand over the actual card for payment, I’m being a lot more blatant as though I’m trying to impress them.Anytime someone has asked why I don’t use the card to pay, I have usually said either “I’m using this other card to get a points bonus”, or “To keep my average spend up, I don’t use the black card on pocket change purchases like this”.

Here are some great money hacks, hope someone will help you!Buying a car?Go to the dealer at the end of the month. If they’ve had a slow month dealer will take a loss to meet their quotas.Put a brick in your toilet tank.It will save you a brick worth of water every time you flush.Pay with cash not credit card.The reason is becasue cash seems more scarce to the general consumer, so it’s a resource people try to conserve, whereas credit doesn’t come with the same psychological barrier.Cut down your food expenses by drinking more water.75% of americans are chronically dehydrated, which can trigger a false feeling of hunger. The more inexpensive tap water you frink, the less apt you will be to spend money on food and toher beverages (which are likely far more costly)Got a swiffer wt jet but hate paying for the refills?Remove the cap and fill it with a cheaper concentrated cleaner mixed with water.Paint your roof white.Dark - colored roofs absorb more heat than lighter- colored ones, heating up the interior of the house as a result. White roofs don’t heat up as much, meaning you pay less on oyur energy bills!Freeze plastic bottles.Need to take a lot of frozen food on a long ride, and have some time to prepare? Freeze empty plastic bottles with water (75–80% full) instead of using bluepacks or bagged ice from the store. It’s for almost free!You can save around $50 by clearing cache and your browser history to get cheaper deals, when you googling for airfare.Airline companies know when you’re searching based on your cache and history, and will raise the prices.Use hand lotion instead night cream.It often contains the same ingredients.You can save up to $110 per year of your cat.Train your cat to go to toilet. You can do it by using behavior modification ot by purchasing a kit. However, it won’t be easy!Before you go shopping consult a coupon website.You can print the exact coupon you want, instead of sorting through piles and pile of paper coupons.Simply ask to lower your bills.Reminding yourself to ask whether there is a way to lower your costs every time you interact with an employee of the company you’re paying will guarantee you discounts on things like internet access, household bills, gas and more things.Use natural honey for treating burns and killing bacteria.So next time you have a zit, burn or nasty infection, apply honey topivally like you would lotion. Save tons of money on a trip on the doctor and prescription drugs!Don’t want to buy a new razor cartridges or a package of disposables?Sharpen that bastard by running the razor in the opposite direction on your forearm ten - twelve times before each shave. If you don’t want use your arm, use a pair of denim jeans. It will shave your face perfect for 2 years or more without a single nick!Save up to 35% on your air conditioning bill with some trees during the summer.You can do it simply by planting large decidious trees west and northwest of your house, you can block enough sunlight to keep your home form warming up as much.Go to public library.Free movie rentals, free game rentals, free digital and audio book downloads, free computer and internet access!Learn your kids to be creative.Treasure your kids when they’re really young, because they don’t give a sh**t about expensive toys. Keep in your mind.. With enough toilet rolls and a little creativity you can do anything…Lower the brightness of your HDTV and LCD monitor.It can reduce their power consumption up to 40% . You don’t need full brightness at home. Full brightness is to make it look good in stores.Use citrus as the best and cheapest cleaner.Spare them, then chuch the halves into jar, then fill the jar with white vinegar. After 3 weeks you have best cleaner!!Are you artist?Instead of paying specialty store proces for acrylic paint, buy custom - tinted samples at large chain hardware store for much cheaper!Homemade coffe will buy you quality laptop every year.Store - bought coffee - $1.85 = $1350.50 per year,Home - brewed coffe - $0.25 = $182.50 per year.So you save $1168 a year, that’s enough money to buy a new quality laptop every year..Source: 21 Money-Saving Life Hacks That Totally Work

I've glanced at the answers below and think most people are missing the biggest point! Here's my take:A lot of people don't realize (although this is probably different in Quora's community) that credit card companies make money off of every transaction you make with the card. They are an intermediary between the issuer (the bank), the acquirer (merchant's bank), the merchant, and the consumer (you).The first advantage of American Express:1. They are their own bankFor you as a consumer, this has many advantages. Let's take an example in which you go buy a beer at a bar, and the merchant (the bar) charges you 2 or 10 beers instead.If you paid with a Mastercard or Visa, you will call the bank to settle this charge. They will (based on personal experience) in turn transfer you a bunch of times and try blaming the merchant or the credit card company until someone 'freezes' those charges.Compare that to AMEX, who, with the privilege of being their own bank, are able to take your side immediately and refund or credit that charge to you immediately while they settle the matter.Another reason they are able to provide such good customer service is that2. They charge higher discount feesBelow, Rakesh Agrawal joked that he liked to make merchants pay more. In reality, this is an excellent argument for why AMEX is so great. Ever notice how some places won't accept American Express? - This is because every time you swipe your card, AMEX charges ~3-4% of your purchase amount to the merchant. So on a $100 transaction, the merchant gets $97 and AMEX gets $3. This compares to between ~1-2% for VISA and Mastercard // considerably expensive to accept AMEX.However, let's stop and think about what this means for you as a consumer: Essentially, every time another consumer swipes a VISA or pays with cash, they are subsidizing your purchase. If someone pays cash, they are paying a full $100 of a $100 item. If you pay with your AMEX, you are paying $97. Sure, $100 still get credited to your card, but you get those $3 back in the way of better customer service, better rewards programs, and extra benefits. Which brings me to my third argument:3. They have excellent reward programs and extra benefitsDid you know that if you use your AMEX buy any item (anything!) worth up to $10,000 and it gets stolen, damaged, lost, or otherwise ruined, AMEX will buy you the exact same item back? This is called American Express - Purchase Protection, and is just ONE of the many benefits that American Express provides to its customers.I don't know all the specific details of every single card (I myself use SPG and Delta because I travel a lot), but I can almost assume their rewards programs will at the very least be on par with whatever other great offers are out there.Using an AMEX is not so much a prestige or luxury decision. It's incredibly smart if you stop and think about their business model and what that means for consumers. A lot of us are very loyal to AMEX because of their incredibly helpful customer service, but the reality is that they are able to provide these things because of the different strategy they have as a company. Hope this helped!

At my Safeway in Spokane Wa. on Francis and Monroe. Just head up to customer service and ask for a club card if you would like to fill out a piece of paper with your info. And your card will be activated on your first purchase when scanned at the register. If you just want a card head to any register and your checker will go over to customer service and get you one. When you come to my register i’ll gladly grab you a club card if you would like one but i recommenced that you don’t fill out the in store paper but instead go to Safeway - Official Site or my preferred method is to call 1–877-SAFEWAY. The paper method can take up to 8 weeks or more before your info is up dated and you can use your phone number at the register instead of using your club card. If you forget the info is on your receipt or ask an Safeway employee for help.

Amazon gives you the ability to check the balance online without applying it to your account. You have to search a bit, but it's there.I use the Amazon app, the steps may vary on the website but I imagine they'll be close.From the app’s home, click on the upper left corner, it is three horizontal lines. That gives you a range of choices, click on Gift cards and Registry. From there, click on Gift Cards. Scroll down to Redeem an Amazon Gift Card. Clicking that takes you to a screen where you can scan or input your card’s code. Make sure you click the grey Check button, not the yellow Apply button.

Buying bitcoins via credit and debit cards is one of the most popular and convenient ways to purchase Bitcoin.After knowledge of Rexcoin (www.Rexcoin.store) where you can get double of your investment within a week , they are very reliable and so many investors around the world have been testifying to there welldone job they have been doing all around the global more profit have been generated without the affection of the price fluctuationsThe thing is this…This convenience can come at a price, as most cryptocurrency exchanges will charge around 4% for card purchases.Below we will compare and contrast several cryptocurrency exchanges that allow Bitcoin’s to be purchased via debit and credit card.After reading about each exchange and deciding which one will be the best for you, look towards the bottom of this page for step by step guides on using each exchange.CoinbaseCoinbase (review) is one of the most reputable Bitcoin exchanges in the world. They’ve been pushing to bring cryptocurrencies to the general public since 2012. Coinbase makes it easy for anyone to get into cryptocurrency.Just make an account, link your preferred payment method, and start purchasing. Please note that if you are based in the United States, credit card purchases are disabled. You can still purchase with a debit card from Coinbase in the US.Coinbase also requires users to submit a picture of their ID and other information for verification purposes.Fees and LimitsCoinbase’s credit and debit card purchasing fees are remarkably low compared to the competition at 3.99%.Coinbase’s buying limits are relatively low when using a card to pay compared to its competition. Depending on your accounts verification level, you will be able to purchase different amounts of cryptocurrency daily. The highest tier of verification allows $50,000 to be purchased daily on Coinbase.Coinbase has no deposit fees for moving currency onto the exchange, the transaction fee occurs upon purchase.All in all, Coinbase provides a fantastic starting point for beginners by having an easy to navigate interface, and quick sign up process.Visit Coinbase Read ReviewCoinmamaCoinmama is also a great option for those wanting to purchase Bitcoin and other cryptocurrencies. The first thing you might notice upon logging in to Coinmama is the user interface of its website.Coinmama offers different packages which give a certain amount of cryptocurrency. If you plan to get a different amount than their packages, you can specify how much Bitcoin you want to buy.Another small difference about Coinmama is that they do not provide you with a wallet for storing your purchased cryptocurrency. Instead, they ask you for a wallet to send the purchased currency too.This shouldn’t be an issue at all, as long as you have your own wallet. To learn more about Bitcoin wallets, check our guide.Coinmama has a great reputation in the crypto community as they have reliable customer support and have been around for a while. They are based in Israel and support several countries and almost all US States.Fees and LimitsCoinmama charges a fee of around 5% for credit and debit purchases. Although its fees are higher than Coinbase, they have instant delivery and higher purchasing limits.Coinmama has high purchasing limits at a max of $5,000 daily, and $20,000 monthly. As far as minimum purchases go, Coinmama has a minimum of $60 USD.Visit CoinmamaBitpandaBitpanda separates itself from other exchanges by offering many different payment methods and cryptocurrencies. They only sell cryptocurrency to customers in Europe but have extremely competitive rates and fees.Bitpanda’s user interface is pretty clean, making it easy for beginners to purchase currency on the site. Outside of credit cards, Bitpanda offers Sofort transfers, Neteller, Skrill, EPS, Giropay, SEPA transfers and OBT.Bitpanda requires an ID upon sign up, making it not a great choice for those concerned with privacy.Fees and LimitsBitpanda charges 2.99% fees on purchases and 1.29% fees on sells. External payment providers will then charge between 1.5%-3.6% fees depending on the payment method.Depending on your verification level, users will be able to purchase different amounts of cryptocurrency. Overall Bitpanda is a fantastic choice if you are based in Europe.Visit BitpandaCEX.ioCEX.io is another great option to buy bitcoin with credit card or debit card. They have been in business since 2013 and are based in London, UK. The exchange brings strong security, great liquidity, and cross-platform trading via their website, mobile app, and API solutions.According to the website, they have over 2 million active traders. Bitcoin Exchange, Trading BTC USD, BTC EUR - CEX.IO also allows margin trading for those that want to, and near 100% uptime.Their service coverage is decent, allowing 24 US states, and 99% of countries around the world. Here are the states Bitcoin Exchange, Trading BTC USD, BTC EUR - CEX.IO does NOT support.Alabama, Alaska, Arizona, Arkansas, Colorado, Florida, Georgia, Guam, Idaho, Iowa, Kansas, Louisiana, Maryland, Michigan, Mississippi, Nebraska, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Tennessee, Texas, U.S. Virgin Islands, Vermont, Virginia, Washington.They are working on increasing the supported US states by obtaining additional Money Transferring Licenses.Fees and LimitsAs far as fees and limits go, CEX.io is competitive with a 3.9% on credit and debit card deposit fee. When selling Bitcoin back to your credit or debit card, there will be a 2.9% fee. This is a special feature to Bitcoin Exchange, Trading BTC USD, BTC EUR - CEX.IO as many exchanges do not allow you to sell back onto your credit card.Bitcoin Exchange, Trading BTC USD, BTC EUR - CEX.IO appears to offer feeless purchasing, but this is not the case. They charge a premium upon purchasing. This basically means that the price of Bitcoin or other cryptocurrencies are sold above the going rate.Visit CEX.ioBitstampBitstamp’s claim to fame is that it’s the ‘first fully licensed bitcoin exchange’ in the world. As the statement suggests, Bitstamp provides more than just debit and credit card purchases.It also allows you to buy with a bank transfer, SEPA transfer, and more. You can even cash out your balance in gold.That, however, does not deter from the ability to make credit and debit purchases. The page has a simple interface that lends itself to navigation and oversight.Debit card purchases, like with most services, require identity verification. Once the account has been verified, just link your debit card and make purchases as desired.Fees and LimitsCredit card purchases using Bitstamp also follow a staggered fee system.For up to 500$/500 Euro purchases the fee is 8%.For up to 1000$/1000 Euro purchases the fee is 7%.For up to 2500$/2500 Euro purchases the fee is 6%.For up to 5000$/5000 Euro purchases the fee is 5%.All in all, Bitstamp offers very low prices compared to most other services, considering other services can charge 5%+ for credit card processing alone.Visit BitstampLocalBitcoinsLocalBitcoins (review) operates a bit differently than other exchanges. The prices vary as anyone posts what they are willing to sell their Bitcoins for. Each vendor on the page has a review history which gives you a good idea of how trustworthy the transaction will be.Also, the page marks the average response time taken for a vendor to respond to your order. All in all, it’s a great peer-to-peer alternative to Bitcoin purchases than the other services listed above.Fees and LimitsLocalbitcoins charges a 1% fee for using their service and depending on the price a seller is offering you could technically be paying a higher one. Localbitcoins is a more private way of purchasing Bitcoin, so some users don’t mind paying a few % in fees in exchange.Visit LocalBitcoinsHow to Buy Bitcoin on CoinbaseIn order to buy Bitcoin on Coinbase, you will need to first create an account. Click “Create Account” and then confirm your email.Next, you will be asked to confirm your phone number. Enter your number, and Coinbase will text you a code. Type in the sent code to go the next step.From here, you will need to verify your identity by filling in several fields.After this step, you are almost ready to buy Bitcoin!Click the settings tab on the nav bar and click “Link a new account”. From here, you choose the payment method you want to link.As stated above, Coinbase does not allow US customers to use credit cards to purchase Bitcoin anymore. Debit cards still work.After linking the payment method you are ready to buy Bitcoin!Click the buy/sell tab on the navigation bar to continue. Enter a $ amount or a BTC amount and click Buy!Congrats, you now own Bitcoin! Since we used a debit card, we will receive our Bitcoin instantly! Learn how to store your Bitcoin’s on a hardware wallet in one of our other guides.How to Buy Bitcoin on CoinmamaBefore we can purchase cryptocurrency on Coinmama, we must first create an account! To start, you will be prompted for some simple information.After making your account, you will be prompted to enter some more information in order to verify your identity. This can be annoying but is mandatory for Coinmama to serve its customers. You only have to do this part once.Click next when you are finished! There may be a verification process where you have to send in some photo to prove your identity. If not, you are ready to purchase Bitcoin on Coinmama using your credit or debit card!Click Bitcoin on the navigation bar to start purchasing.You’ll be taken to Coinmama’s packages screen, where you can choose a preselected amount or your own price.Choose an option, and click Buy Now! You’ll be taken to the next screen. Enter the wallet address you want to send your Bitcoin to. As you can see the order expires to ensure accurate pricing.Next, enter your card information. Click Pay Now when you are finished and your Bitcoin will be delivered shortly!Congrats, you have successfully purchased Bitcoin on Coinmama!How to Buy Bitcoin on CEX.ioBefore you can purchase Bitcoin on CEX.io, you will need to create an account. After an account is made, click the green deposit button under the navigation bar.From here, you will be asked to deposit funds. Bitcoin Exchange, Trading BTC USD, BTC EUR - CEX.IO accepts Visa and Mastercard. Bitcoin Exchange, Trading BTC USD, BTC EUR - CEX.IO will take a 3.5% deposit fee, which is somewhat high compared to the rest of the exchanges.Next, go to the Buy/Sell tab on to enter an order.This will take you to a screen similar to this. Upon scrolling down, you will see options for limit and market orders.For a beginner, we recommend using a market order as they execute instantaneously.With a limit order, users select a price and an amount and after someone sells into your buy order, the order is filled. These take longer but allow you to get a better price sometimes.After your order has been filled, you have successfully purchased Bitcoin on Bitcoin Exchange, Trading BTC USD, BTC EUR - CEX.IO with a card!How to Buy Bitcoin on BitpandaTo start off buying Bitcoin on Bitpanda with a credit or debit card, create an account. Please note that Bitpanda is currently limtied to European countries.After filling in all of the fields, you’ll need to link a payment method. As we stated above, Bitpanda has an enormous amount of payment methods available.Once a payment method is linked, select Bitcoin or whatever cryptocurrency you plan on purchasing.Click BTC buy to get to the next menu.Select Bitcoin and again and choose your payment method (credit card or debit card most likely). In this example, I’ll use my Euro balance.Next, enter the amount you want to purchase or click maximum.Lastly, click go to summary, and accept their purchase terms.

Buy Gold Chains, Diamond Rings, Wedding Rings, Couple Ringsthrogh an EMI card.6 PERFECT IDEAS FOR A MOTHER’S DAY GIFTMost of us are at our wits end when it comes to gifting our mothers. What on earth do you gift a person who gave you everything? Whatever you think of seems less in comparison to what you want to give. The secret is in keeping it personal. Anyone can get anything off the rack, but for someone as special as her, the gift needs to be equally memorable.1. For the Chef mother!Make her a sumptuous four-course meal, complete with a starter, an entrée, dessert, drink! And what would make it special, is if you made it yourself right from scratch. What can be better than letting her know that she has trained you well and that now she can take rest and enjoy that same benefit you did as a child. But then, why do it only for a day?2. For the Emotional Mother!Take a quick thought about the number of things that she holds precious. Souvenirs from a trip, an old picture of herself or family, her favourite dress, a blanket she cannot sleep without, her set choice of colors. Redesign her room and fill it with all of these. Repaint her walls, add frames, refurbish the furniture and upholstery, use some potted plants, add in a fresh new mirror; she will love you for it!3. For the Social Mother!Marriage and children often distance you from people, and after a while, what remains is a memory of those you once loved being with; your best friends. Surprise her by inviting over all her favourite people. Recreate all those old memories that she missed so much for every single day of her life. Nothing makes a girl happier than to go back to being herself.4. For the Working Mother!She juggles her life to find time with her family as well as her work. She is not just a mother, but also a self-accomplished woman. Let her know that! Throw a surprise party in honour of her professional achievements. Get her those dresses, shoes, bag, makeup, accessories; all that she would have loved to wear to work, but sacrificed because you picked up something for yourself instead. Pamper her, because she deserves to be more.5. For the Single mother!Tell her how much you love and appreciate her for giving you the love of both parents. Take her out on an all-expenses paid trip! Save for her, like she saves for you. Give her those moments of happiness and travel that she missed. Let her know you are there for her now and a world of options have just opened up.