Hello all,

I`m struck on daily bases by people and institutions that they think I`m complete fool. I guess I think they count on this factor to make more money. Last scam I have discovered is that BoA has increased and changed rewards/points program. Now $50 Macy's Gift Card will cost you 6500 points where just in 2012 it was 5000 points. Well they never send me any info about that BUT when they changing their penalty rates I will always get 10 letters. Nice catch..... yeah... well there is more. Like this 1,2,3 % back program is also kind of (personally statement) silly. You will get 3% back in cash but I guess all your earning must be reported to IRS so I guess you will need to pay TAX from earnings. Unless it is going directly to your saving account which i think is fine. So why you need this program at all?

Well I just thought this might be interesting...