We deposit money through electronic transfer to a money market account at our credit union, but to withdraw money, our rule is, we need to physically go to the credit union. This means we will have to really want to spend the money for the effort it ...

I like to start the day with a little brain workout, so I do some crosswords and word wipe. And if I have earned points, I need to do something with them so I usually enter a sweepstakes or 2. And I have won at the sweeps so overall it's a big plus i...