That got me thinking--what are your best tips for spending a small amount of time (<15 minutes) that may yield a significant recurring payoff?
In case you're wondering, the bank I switched to is Ally, but there are several good options.
This is a bogus insurance plan that credit card companies add to protect you against unknown evils. I had no idea how they signed me up.
That one is slightly less scammy, in that it will save your relatives a hassle in the event of your death.
Part of my work is processing claims for those, and it is one less burden for the insured's relatives.
It is a bit scammy in that the premium is much higher than it should be given the risk, because people don't shop around for that kind of low cost insurance, it often comes bundled with the credit card itself.
I have the "security protection fee" (they got past my guard and I said "yes" over the phone) and I don't have the slightest idea what aditional benefit it gives me.. I should try to fight it, but the idea of spending several hours on the phone to cancel it is not appealing.
There are other ways to earn points too (aside from the 15/day) which is why it works out closer to every month...
Edit: it looks like it :(
"Bing Rewards isn't available yet in your country or region."
Learning to cook (admittedly it took >15 mins) is probably the best investment I ever made.
The ohones are less fancy and less selection but still do everything I need.
They cost 70$....
I pay around 50 bucks/mo for full service and I don't need insurance because if it gets stolen or breaks 70 bucks is nothing, also I think the plans are cheaper, and I like the freedom of not being on a contract.