• venusaur@lemmy.world
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    21 hours ago

    If your bank can only deposit a certain amount of a check the same day and you need it all just cash it and deposit the cash

      • Chainweasel@lemmy.world
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        15 hours ago

        It’s still valid today.
        Payroll fucked up and I didn’t get a deposit a few weeks back. They gave me the choice of waiting 2 weeks and having the deposit added to my next paycheck, which is totally undoable, or they would cut me a paper check that day.
        I took the paper check.
        I decided it would be easiest if I could use my Bank apps Mobile deposit but it only allowed me to access $500 of it that day, the rest had to wait until the next business day which was Monday.
        If I would have thought about it I would have done it this way so I could have had access to the whole check before the weekend.

        • Passerby6497@lemmy.world
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          12 hours ago

          You still don’t necessarily get the full amount. Depending on the bank writing the check, you may only get a person available today. Payroll checks might give you all of it, but I’ve had checks deposited in person that only let me have the first 3-500 available immediately.

        • Mr_Blott@feddit.uk
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          12 hours ago

          Sorry, can’t imagine having a banking system that’s a decade behind fuckin Eritrea or Kazakhstan and thinking it’s the norm 😂

  • RememberTheApollo_@lemmy.world
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    12 hours ago

    If you get married the tradition is for one partner to change their last name to match so both have the same last name.

    We didn’t do that, so we have different last names.

    So when you sign up for services that offer (x) months free or discounted cost per unique household, you use one name, cancel, and sign up under the other name. They don’t know you’re married, don’t know if it’s a rental, or don’t know if it’s a roommate thing. So when we were poor AF we could save a lot of $ on services at least for a few months or so. Usually cable tv that offered a 6-month discount.

    • DBT@lemmy.world
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      6 hours ago

      Even with the same last name they don’t know you’re married. We share a last name and have done this a few times before.

      • RememberTheApollo_@lemmy.world
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        5 hours ago

        Eh, this was years ago we played this game. We tried to keep it on the DL by not changing immediately after the discount, usually several months later. We also had separate checking accounts and cards, so that probably helped. The policy may have updated since then, but I don’t see how they’d know if one person canceled the policy and another with an entirely different name and payment account opened a new one.

        • HubertManne@moist.catsweat.com
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          4 hours ago

          yeah and actually if its a single family home I have gamed the system by putting apt 1a, 1b, etc but I have not tried it when I actually have an apt/unit/whatnot

    • CileTheSane@lemmy.ca
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      2 hours ago

      Where I live you can freely use your maiden name or your spouse’s name and switch between them whenever you want.

      We didn’t like either of our last names so before getting married I legally changed mine so my Spouse could adopt it after the wedding, instead of both of us legally changing it after the wedding.

  • friend_of_satan@lemmy.world
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    37 minutes ago

    I had a pager that I didn’t want to pay the bill on when I went out of the country. I called them to turn the service off while I was gone. Instead of turning it off they just quit charging me. I realized that when I got back and had a bunch of pages. That continues for several years until I traded it away, still working, still not costing anything.

  • friend_of_satan@lemmy.world
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    45 minutes ago

    There was a time when Discover would give you checks that you could use to transfer debt from other cards or accounts, which had a promotional rate of 0% for the life of that debt. I deposited one check into my checking account that filled up my discover card credit limit, then used that money to pay off my higher rate credit card debt. Then I did that a few more times until my entire Discover card balance was 0%. Then I paid off my other credit cards while that debt sat there accruing no interest penalty.

    Also, the way the accounts worked was higher debt would be paid off first, so until I fully paid off that account, there was always some 0% debt below all the higher % debt.

  • 2ugly2live@lemmy.world
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    14 hours ago

    I don’t know if it’s a “loophole,” but I find my phone to be a pretty good eReader. I did the same with an old tablet (just has the eReader and the book(s)). I’ve never had a real eReader so I can’t really comment on the difference, but if you’re just trying to read, a good app costs a couple bucks, way cheaper.

    • tyo_ukko@sopuli.xyz
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      11 hours ago

      Doesn’t it strain your eyes tho? I thought the appeal of having an e-reader is having the screen easy on the eyes.

      • shalafi@lemmy.world
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        10 hours ago

        I’ve always used Android tablets. You need an app that allows you to fiddle with the colors. Mine is dark orange on a black background.

        eReader Prestigio has been good to me.

  • felixwhynot@lemmy.world
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    20 hours ago

    I enjoyed paying $1.50/mo for YouTube premium by signing up with a VPN to Turkey 🇹🇷 but that’s not a thing anymore 😢

  • spongebue@lemmy.world
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    20 hours ago

    My brother-in-law didn’t want to carry his jacket around at Disney World, and he didn’t want to get a locker for it, so he had his dad turn it in to lost and found. At the end of the day, before leaving the park, he picked it back up.

    • u/lukmly013 💾 (lemmy.sdf.org)@lemmy.sdf.org
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      19 hours ago

      Somebody else could’ve taken that.

      The lost and found at my school sometimes gathers interest on some items. Umbrella on a rainy day got 4 people claiming it’s theirs. But a golden chain is still winning at 8 people claiming it as theirs.

      • JackGreenEarth@lemm.ee
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        15 hours ago

        That’s why you hide the item and get the person claiming it’s theirs to tell you a piece of identifying information about the item so they can prove it’s theirs.

          • datavoid@lemmy.ml
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            9 hours ago

            That’s a different problem entirely, your school needs to rethink things. Kind of funny though!

            • superkret@feddit.org
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              31 minutes ago

              Why does the school need to rethink things?
              It’s in their interest to get rid of the items quickly so they don’t have to store them.
              Who gets them doesn’t matter to the school.

  • 🇰 🌀 🇱 🇦 🇳 🇦 🇰 ℹ️@yiffit.net
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    12 hours ago

    I remember there was a time when you could use the self-serve kiosk at McDonald’s, order a bunch of plain cheeseburgers and remove everything so it was just a bun and it would credit back enough money that you could get a whole meal (plus a bunch of empty buns) for free.

  • jet@hackertalks.com
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    19 hours ago

    In the USA the FASFA is used to determine how much financial aid (grants, or zero interest loans) someone can get for university

    Unfortunately it looks at parents assets as well as the adult students assets.

    Unless

    • over the age of 25
    • military veteran
    • married

    So the loop hole here is obvious, two students should get married, then their financial need will be totally unmet and get the highest level of benefits

    • qantravon@lemmy.world
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      6 hours ago

      I know someone who had to do this. Her parents were abusive and were refusing to do the FASFA paperwork, holding it over her head for something. She had already been in college a couple of years at this point. So, she found a friend she trusted and they got married, allowing her to get the funding she needed to continue to attend college.

    • BigLime@lemmy.ml
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      18 hours ago

      I’m fr curious if this can work. If it does, it seems beyond impossible to find a 25 year old college woman who would even want to marry

      • jet@hackertalks.com
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        18 hours ago

        Two 18 year old students about to start university get married. I think it can even be same sex, marriage is marriage.

        Remember Marriage isn’t for life! You and your partner could get married with the understanding this is just a college marriage.

        • Flax@feddit.uk
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          17 hours ago

          That’s a whole abuse of the purpose of marriage, though

          • MagicShel@lemmy.zip
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            14 hours ago

            You’re thinking about this all wrong. The age of marriage and childbearing have been going up. Think of the kids who would just decide fuck it might as well just stay married and do this. This could be the arranged marriage of the future.

          • jet@hackertalks.com
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            17 hours ago

            A loop hole that is technically correct is still correct.

            What is the purpose of marriage?

            • MNByChoice@midwest.social
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              15 hours ago

              Legally it is a shortcut to establishment of a number of implied contracts, tells the courts how to unwind those contracts, and rights. In some cases the implied contracts are more effective than written ones. Medical decisions and visitation rights being first ones I can think of.

              I sm not a lawyer.

            • Flax@feddit.uk
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              15 hours ago

              Two people bound together for life for the purposes of creating a family

              • CileTheSane@lemmy.ca
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                2 hours ago

                “You shouldn’t use marriage to stop yourself being legally chained to your parents. The purpose of marriage is to legally chain you to your spouse.”

                If people could “divorce” their parents you wouldn’t have to worry about this.

              • Ledivin@lemmy.world
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                10 hours ago

                Yeah, you can miss me with the religious bullshit. This is a legal loophole in a legal system.

                • Flax@feddit.uk
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                  9 hours ago

                  If it was for religious reasons, I would have specified it as a “man and a woman”

              • Dragon Rider (drag)@lemmy.nz
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                9 hours ago

                Only two? That seems needlessly restrictive. Is it for religious reasons? Church and state should be separated.

                • Flax@feddit.uk
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                  9 hours ago

                  If it was for religious reasons, I would have specified it as a “man and a woman”

                  Also, if it’s more than two, that’s not a marriage; that’s a group chat.

                • Flax@feddit.uk
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                  12 hours ago

                  Only as a last resort. You shouldn’t get married without intending to stay together for life.

        • Asetru@feddit.org
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          15 hours ago

          “Hey, let’s just get married to be eligible for benefits. Yeah, we’ll just pinky promise that we won’t ever abuse the hell out of our ‘partner’ who we now share every single responsibility with. I also took out a huge loan to buy a boat, why are you asking, dear? Half of it is technically yours, why aren’t you happy?”

          • jet@hackertalks.com
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            15 hours ago

            two penniless students are judgement proof, so even in this scenario when they divorced there wouldn’t be anything to recover. As a 18 year old with nothing, as long as you don’t have kids, there is almost nothing to lose.

  • waz@lemmy.world
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    17 hours ago

    There was a burrito shop that had a frequent customer card that you could use to earn points towards a free menu item. You could register the card online and for whatever reason you could add multiple cards to the same account.

    A friend of mine realized that if you registered a new card they would give you a decent chunk of points just for signing up, then you could merge that account in with your existing account and get free points.

    Every chance he got he would grab handfuls of the cards, activate them all, and get tons of free food.