Get Cash Back On Spending & Increase Your Credit Score!

Here are a few tips to help put some of your hard-earned money back into your bank account and wallet, and ALSO increase your Credit Scores!

1. I highly recommend using the website NerdWallet to find good credit cards, banks, loans, retirement plan ideas, etc. I have been using this website for YEARS and is such an excellent resource to better spend AND save your money!
   
   
2. Use cash back store cards for companies like the Amazon Store Card. It's not a full fledge credit card, so you can ONLY use it at that specified retailer. With Amazon specifically, you will get 5% back on all that you spend/buy (this does not apply to financed purchases, however). It's an over-glorified version of the espresso stand punch card. I typically get around $1000 back every year just by funneling payments through store cards like this!
   
   
3. If you drive a lot, go out to eat a lot, etc. Get a credit card that gives you cash back on those purchases. I personally love my Costco Visa card as you get cash back on Gas, Food, Costco Purchases, and a lot more. Another example, I have an American Express card that I use just for my cell phone bill and also gas, because I get 5% cash back on those payments through Amex as well. With Costco, I get around $500 back every year; with Amex about $100.
   
   
4. If you have money saved and just sitting in a regular old bank savings account, think of putting that into a ROTH IRA or a Certified Deposit; or even a high-interest (and thusly high balance) savings account. Something where your money can sit AND earn interest as it just sits; there are other options as well. But the premise is to earn money as your savings just sit. *Roth IRAs are complicated but you can typically remove what you have personally invested without penalty.
   
   
5. People with credit scores in the 800s use less than 5% of their available credit. So if you had a $8,000 credit line, you use only $400 at a time. While people with scores from 701 to 750 have 27% credit utilization. So don't go maxing out your cards!! Responsible purchasing, on-time bill payments, and low credit usage will get your scores up FAST and HIGH!
   
   
6. If you create an account with each of the Major Credit Bureaus, they sometimes have a "spending scanner" available on the user's account page. This "spending scanner" can scan your bank accounts for purchases that can be applied to your credit score! I jumped my score through Experian by 10 points just by using their "purchase history spending scanner"! But, only do this if you feel comfortable letting these companies access and scan your bank accounts... Is a Better Credit Score Worth Exposing Your Bank Data?
   
   
7. Lastly, and MOST importantly, set up weekly automatic bill pay through your bank or through your card account for any/all of the cards that you have set up. That way you don't get hit with a big ol' bill at the end of the month, or accidentally spend more than you have.

These are just a few tricks that I use to better spend and save my money, and I just wanted to share some of what I have learned. Hopefully, it's not a bunch of "I already know that" kind of stuff...
Hopefully, you found at least 1 thing useful from this post  

Feel free to comment/share any other tips and tricks you might have!

IT Advocacy Services - We Can Be Your Technology Advocate!

What Is an IT Advocate?

An IT advocate is an individual who supports and advises clients with their IT product/service needs, as well as any other technology-related needs. Not everyone has, needs, or can afford a CTO or a dedicated System Administrator to help with, and represent, their business. But now, you can hire Pacific Northwest Computers to represent your company in those roles, if and when that need ever arises! 

The IT Advocating Services that Pacific Northwest Computers Provides, Include:

• Liaison Responsibilities

• Investigate, Document & Resolve Product or Service Issues With Vendors/Providers

• Refer & Consult Clients on Recommended & Needed Technology Products/Services

• Conflict Resolution & Mediation with Vendors/Suppliers/Etc.

• Crisis Management & Crisis Prevention/Response

• Malware Attack Investigation, Documentation & System Improvements

• Data Breach Investigation, Documentation & System Improvements

• Data Loss Disaster Assistance, Policy Development & Data Loss Prevention System Development

• Information Technology Professional Witness for Legal/Court Cases

• Help Set Up Appointments for Needed Services or Support From Vendors/Providers

• Warranty Exchange/RMA Support

• Termination of Service(s) Support (Software Vendors, Services, Etc)

• General IT/Technical Advising

• HIPPA Consultation

• Technical Documentation Services

• Reading & Understanding Technical Documentation 

• Reading & Understanding Service/Setup Material & Instructions

• Implementing Needed Technical Procedures for Products & Services

• "On-Demand" IT Administrator/CTO Services: 

• Develop policies and procedures

• Recommend the use of technology to enhance products and services for a client's internal operations, as well as their customer's experience.

Jon Pienkowski

Pacific Northwest Computers

www.linktr.ee/pnwcomputers

360.624.7379

Xbox Elite and PS4 Controller PC Gaming Issue - Keyboard Keeps Popping Up!

When gaming on a PC with a Xbox, Xbox Elite, or PS4 controller, a virtual keyboard opens when pressing the left stick!

A virtual keyboard that pops up when clicking the left stick on an Xbox controller (or even a Playstation Controller), is specifically related to a Steam App gaming feature called "Big Picture Mode".  Somehow this feature can get triggered outside of Steam if it just happens to be running in the background, and it can affect other controllers/games as well.

Here is how to fix the issue!

1. Go into "Settings" in the Steam App
2. Click on "Controller" near the bottom
3. Next, you want to click on, and open, "Desktop Configuration" settings
4. When the settings window opens, you will see the left stick has the "Show Keyboard" setting mapped to it
5. Click where it says "Show Keyboard" in the Left Thumbstick mappings list
6. At the bottom of the mapping window that opens up, click where it says "Remove"
7. Then close the "Desktop Configuration" settings window
8. Close out of settings all together
9. That should remove the problem permanently for you!

Jon Pienkowski
Pacific Northwest Computers
www.pnwcomputers.com
www.linktr.ee/pnwcomputers
360.624.7379