[jwzimm]

Originally Posted by John 070

It's not that complicated, let's say you have a wife and 2 kids which is normal. You could be M 0, M 1, M 2, M 3, M4. Why would you change that to M 8 so you have less withheld?

Income taxes are not rocket science. You may make 60k on your first job out of college and get a 12k bonus. that bonus will be taxed at a higher than normal rate for you and you'll thus get a refund.

I just don't buy the "no excuse for getting a refund" argument, it's weak.

Set your withholding at the right number. If you get a refund, there are circumstances that lead to it (I'll mention it again itemized deductions). Very few people have the exact circumstances year in and out.

Lol. I have been doing this for the better part of 10 years now and have never had an issue. There is nothing stating that you MUST follow the guide for claiming your W-4 deductions. Also note, there is a section on the W-4 for "additional withholding" amount that you can use to fine tune your withholdings. It is basic accounting. If you choose to give the government an interest free loan every year, that is your business. I prefer to more actively manage my finances and reap the benefits.

[My335iTT]

lol this is crazy where are you guys shopping. I have been using a credit card for 11 years and never had an issue.

*knock on wood*

[E90SLAM]

Originally Posted by P1et

Did Chase tell you in which countries the fraudulent activities came from and what they tried to buy?

Not this time. But the merchants were definitely in US.
And one of it was paypal transaction! Which I could not find it in my paypal account.

In the past there was once a hotel in South Africa charged. Which I have never been there!

[Eat.Sleep.Race]

that blows….

[upstatedoc]

So I'm looking at the statement from my BOA cash rewards and it says:

cash rewards total available 380.73

Does that mean I have $380 to spend or use toward my balance? Of course the statement does not mention anything on how to redeem this..

[NemesisX]

Originally Posted by upstatedoc

So I'm looking at the statement from my BOA cash rewards and it says:

cash rewards total available 380.73

Does that mean I have $380 to spend or use toward my balance? Of course the statement does not mention anything on how to redeem this..

Once you click on your cash rewards card, there's a small button under the "Rewards" heading that says "View my rewards." Click that first.

Then, simply click the big grey button "Redeem cash rewards" and you can redeem as much as you want (minimum $25). You will also get a 10% bonus beyond that if you put that money into a BoA checking or savings account so if you redeemed all $380.73 you'll actually get $418.80.

I think you still get the 10% bonus if you just use that to pay down your cash rewards credit card balance. Don't worry if your balance is currently $0. Negative balances are fine (at least in my experience).

[NemesisX]

Oh, and I'm talking about online banking with bank of america. So you'll have to sign in to bankofamerica.com first with your online ID and passcode. I believe you have to sign up for online banking though, but it's free and there's no reason not to do it. It's much easier to deal with than paper statements.

[NemesisX]

You can have both an online account and still receive paper statements if you want, so it's not an either/or deal.

But online banking makes it very easy to redeem cash rewards whenever you want.

Not only that, but your bank of america cash rewards deal has bonus awards that you can get. They have a list of coupons that you "select" (it's free to select and you should always select all of them since there's no downside to doing so).

Typical examples of some of these additional bonus reward coupons are as follows.

1. Stay at the Hilton between now and 1/1/2015 and receive 10% back on your bill

2. Dine at Johny Carinos and receive 10% cash back (expires: 2/2015)

3. Dine at Pei Wei and receive 10% cash back (expires: 2/2015)

It's a bunch of restaurants and hotels and various other stores where you can get additional cash back.

The expiration dates are meaningless. Quite often when a coupon expires they'll replace it with another one with a later expiration date.

[P1]

My credit card was hacked again last week... two hits from a Mexican telephone operator.

[upstatedoc]

Originally Posted by P1et

My credit card was hacked again last week... two hits from a Mexican telephone operator.

don't get me started on mexico..