I had a student checking account with my savings on overdraft protect, so I personally never had either of those issues.

I personally feel like if I pay for insurance then I'm entitled to what I pay for, but that's just me. If my insurance company doesn't like me after that then there are 10 other companies that have been calling me nonstop.

But Youtube only monetizes people with certain amounts of views. How would you prove to the IRS that you are running a legitimate business vs. some guy who just tricked his room out for gaming?

Younger people use cash for a lot of things. Many of them work as servers or side jobs that don’t offer direct deposit. It’s also convenient to have a location nearby in the event you make a mistake as they typically only have one card they rely on.

I dislike BofA and Wells Fargo but they’re extremely convenient, especially if it’s difficult to get around.

I bank at Charles Schwab and find myself using Wells Fargo atms 80% of the time.

I know this doesn't help, but in the future, do all charges onto your major credit card instead of your bank debit card.

Card services is much more likely to bend backwards for you and dispute transactions than a bank (especially smaller banks like credit unions).

The best bank for a young person is one that has many branch offices , atms, and physical locations nearby. I'd shoot for a Bank of America, or Wells Fargo.

Tax evasion is when you are knowingly avoiding paying taxes. At this point, you don't even know if you owe taxes. So I think calling yourself a tax evader is a bit of a stretch.

Being on the lease is a lot more than just being on hook for the rent. You are on the hook for the entire property.

Seems a bit disingenuous that you want to disregard her as a writer but still worship her novels. If you’re truly disappointed with her actions then you would stop supporting all her works and not just the ones you don’t care for.

Those smoke sensors can be triggered by hair spray, steam, etc.

Most people can knock thousands off the charge just by calling up and making payment arrangements...

Yes there is a syndicate that is going around and hijacking your drug store rewards points. They have a coordinated system where agents around the globe engage in point fraud and channel these points through underground systems and compile them into a single account.

You can imagine how lucrative this must be. Just the other day they managed to get a free bottle of Cerave gentle facial cleanser.