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Second Chances

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About Second Chances

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    Lucky O*

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  1. One of my jobs is at an essential business in Georgia and our work has not stopped. We laid off a few people before PPP was passed, but we still have some work. Some of the workers have stayed home and asked to be laid off, so they get fed benefits in addition to state UI. Owners are letting people stay home without pay right now if they want, but not laying off anyone else, because we still have work.
  2. This was in the email I received today from Nationwide. Nationwide has helped our members through challenging times for 94 years, and together, we'll get through this one. To get relief in your hands quickly and simply during the COVID-19 pandemic, we are offering a one-time premium refund of $50 per policy for personal auto policies active as of March 31, 2020.
  3. I was working on PPP paperwork today for the company I work for. The guidelines still aren’t crystal clear, but the paperwork today required the previous 12 months of employee compensation (wages/salary, paid time off, employer contributions to insurance, etc.). We had to list it off by employee for each month, as well as the quarterly tax records. For PPP, the funds used for the 8 weeks following the approval (not application) are forgiven if at least 75% is used for payroll costs and the the remainder is used for things like rent, mortgage interest, utilities, etc. Additionally, if the payroll is reduced by more than 25%, the forgiveness is reduced also. Still not clear on if it is the number of employees, the total compensation, etc. For example, we’re an “essential business” and have the work, but some workers are taking unpaid time off, reducing the average payroll amounts, but not the employee number. Not sure what affect that has on forgiveness.
  4. It actually was stolen a few years ago because of the Anthem breach and closing the various cards, cell phones, etc. they was a PITA that I didn’t want to repeat, so pretty kept them frozen continuously since then. Usually just unfreeze the one that is most likely to be pulled.
  5. I’m going to app Freedom for the rotating categories and was wondering who they pull these days (creditpulls didn’t have that many recent entries and they were all over the place)? I live in Georgia and my reports have been frozen for years because of identity theft.
  6. I definitely did a double take the first time I processed the new W-4 for a new hire. I need to change mine, but I’m not getting a refund and didn’t have to pay a penalty when I paid taxes last year, so still somewhere where I want to be.
  7. I recommend still doing the police report and flagging your reports with an extended fraud alert and/or freezing them. A few years ago I had a CK alert about a new CC account and since I didn’t move on it immediately, they (the credit thieves) opened up one more CC, a cell phone, and attempted another CC and cell phone. It was ID theft from the Anthem data hack and I can’t help but think about how many hours of time I would have saved if I had put an alert on my CRAs the moment I got that alert. (Not to mention postage for all those CMRRR letters 😂).
  8. Do you have paper copies of your credit reports from each of the big 3 CRAs (Experian, Equifax, and Transunion)? If you don’t, that should be your next step.
  9. I’ll probably switch to that soon—I actually had an email about the bill pay from my bank this week. The current box of checks I still use are more than a decade old and list a bank that has gone through two changes since then (went under and acquired by another bank, then that bank was bought by yet another bank). I also do write a check to transfer money maybe once or twice a year, when needed to avoid fees.
  10. I pay our water bill with a check, otherwise it’s a 3% surcharge, and our yard guy only takes checks. That’s pretty much the only checks I write.
  11. I'm not advocating going cash only like Dave Ramsey recommends, but running a card through a reader doesn't have the same psychological effect as having a stack of cash in your hand that depletes every time you make a purchase.
  12. https://www.ajc.com/blog/airport/changes-and-higher-fees-coming-for-delta-amex-cardholders/lKxNUy4zyuith337ZIFZ3I/
  13. It's disturbing how much info is collected on people these days (and it's all for sale).
  14. There's been several threads about it. Apparently Walmart wasn't thrilled with Synch and transferred their credit card program to Cap1 instead. https://creditboards.com/forums/index.php?/topic/619800-capital-one-and-walmart-reimagine-the-retail-credit-card-program/

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