November 26, 2014

My FICO Score HIstory

I've got access to my FICO score for free via both Discover credit card and a Barclay bank credit card.  I occasionally check the scores to monitor them and I've got over a years worth of history recorded.



There has been a little fluctuation in there but in the past 14 months my score has stayed within a 10 point range so thats not really much movement.


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November 25, 2014

Citibank 5% Cashback Calendar for 2015


I got an email from Citibank about their 5% cash back categories for 2015.    Here is the table from the email :



Nothing too exciting for me personally.   But I suppose I could use this to get some Home Depot gift cards at 5% off in the spring.

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November 23, 2014

One Month of Unlimited Talk, Text and Data for under $15?

 While browsing in the cell phone area over at Amazon I saw a link to a T-Mobile SIM with a $70 unlimited talk, text and data plan for $10.40. 

You can find the SIM here : $70 T-Mobile Prepaid SIM Card Unlimited Talk, Text, & Web

 Shipping is another $4.49 so its just under $15 total.

So you can get a full month of unlimited cell phone use at 4G for under $15.  Thats an awesome deal!

In the details they say that they can move your number but not an existing T-Mobile number.  I'm assuming this is a deal where the person selling the SIM is getting it for virtually free and coming out ahead on the deal and T-Mobile is more or less giving away the first months service to gain a new customer in the process.   I can't help but think this looks a little shady though.    The reviews on the Amazon page seem almost all positive, but thats not conclusive proof since reviews can be faked.

I see another similar deal for a SIM :


$50 T-mobile Prepaid SIM Card Unlimited Talk Text and Web

But with that one theres at least a couple 1 star reviews from people saying that their credit wasn't honored or that its from an unauthorized dealer.


Bottom Line :  I don't know if this is a rip off or a good deal.   Probably best to avoid it though as it doesn't pass the "too good to be true" test.


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November 21, 2014

Best of Blogs for Week of November 21st

Every Friday afternoon I share some of the more interesting or notable posts that I have seen in the personal finance blogs and other sources for the past week

Ritzholz says you should ignore Tony Robinns financial advice and Trade Against a Self-Help Genius

Moneybox gives us America’s Awful College Dropout Rates, in Four Charts

DQYDJ tells us about Net Worth in the United States: Zooming in on the Top Centiles

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