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15 Oct. 2019

Going Down There are some rumored changes coming to Walmart. Some of those have been written about, and today a Walmart worker added to that speculation. Right now it’s rumored that Walmart will require ID verification for any money orders purchased over $100. That ID capture will be inputted into the system and count against

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10 Oct. 2019

Chase Expanding Further Into to Minnesota

Market Share Finally Chase has decided to compete in Minnesota. Even those with deep points and miles knowledge in my area don’t realize that Chase has already opened a branch in Minneapolis (on the University of Minnesota campus). That is a small branch that caters mostly to college students and don’t have any Private Client

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3 Oct. 2019

Flexperks for FIRE but not Cashing Out

Depreciated Like any currency, reward points and miles devalue over time. Perhaps there is one, but I’m not aware of a single rewards currency that has actually appreciated over time. With that said, in my 6th year of collecting travel rewards, I have developed healthy, but not grossly overweight, balances of various points and miles

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3 Oct. 2019

MoneyGram Shutdowns on the Horizon

Shut (It) downs This isn’t going to be a long post, but just a few words about some troubling trends. There have been some reports over the last several weeks about occasional manufactured spending (MS) shutdowns linked to Moneygram. I’ve been aware of shutdown scenario before it hit blog print, but initially chose not to

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24 Sep. 2019

The Risks Of An App-O-Rama

Strange Fruit Are you still using an app-o-rama to apply for new rewards credit cards? You might want to reconsider. Recently I had a strange experience in the points and miles space. After an app-o-rama (or multiple credit card applications at nearly the same or similar time frame) last month, I applied for, and was approved

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9 Sep. 2019

Mall of America Implements Gift Card Changes

Winds of Change Although there were rumors that the start of the gift card changes at the Mall of America (MoA) were delayed until the end of September, the actual change happened as previously announced, today (Sept 9). In a nutshell, Mall of America made significant changes to their gift card program, essentially all designed

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28 Aug. 2019

Mall of America Changing Gift Card Purchases

The Basics It’s only a local play, but Mall of America has long sold gift cards to customers. They sell up to $1,000 in gift cards per day to individual customers at any of the (4) customer service booths inside the mall. The maximum dollar amount is $500, each with a $2 fee. The cards

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23 Aug. 2019

My Podcast is Now on Stitcher Radio

Finally Many people don’t know that I have a podcast. Actually many people don’t know that I have a website or a podcast! Neither ventures are profit driven, but rather are an attempt to be creative in different ways. When I was younger I used to be into varieties of creative outlets like drawing, acting,

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