Truist responds to data breach, notifies employees and some customers (2024)

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"},{"_id":"ZEMZRQEHFVGDVAK5LBFU5JBDSY","type":"text","content":"If you’re not already a Discover it® Cash Back cardholder, you may be wondering if it’s worth adding to your wallet."},{"_id":"UUZVUEHY3FH4ZN54CKGZUDGL3Q","type":"text","content":"The rotating 5% cash back opportunities are tempting, and we keep it on our list of best rewards credit cards thanks to the unlimited dollar-for-dollar match of all the cash back you can earn in your first year of membership."},{"_id":"KWNUF6H6RBEUHCAZAWBZJ53KH4","type":"text","content":"Throw in a 15-month 0% intro APR period and easy cash back redemption methods, and you may be tempted to sign up."},{"_id":"5L3XNMLVEREHTPUM33BIMQNZTY","type":"text","content":"Money expert Clark Howard generally recommends that you sign up for a no-annual-fee credit card that earns at least 2% cash back on everyday purchases. That way you can lock in a 2% discount on everything you buy."},{"_id":"F4E5ELWNLNARZLPBOWKKVJTC2Y","type":"text","content":"This card doesn’t do that, but it could be a secondary card to use in addition to your everyday spender."},{"_id":"V2W67GM325G2LNC3PZ2HYS2CKU","type":"text","content":"Do you have the Discover it® Cash Back Credit Card? We’d love to hear about your experiences in the Clark.com community."},{"_id":"AY33VXELKBGL3G6KKK3QUTVTPQ","additional_properties":{"href":"https://clark.com/credit-cards/discover-it-cash-back-calendar/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER"},"type":"interstitial_link","content":"This article was originally published on Clark.com","url":"https://clark.com/credit-cards/discover-it-cash-back-calendar/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER"},{"_id":"ECA6GBVPYBGXRHVJKTKJVQC7DM","type":"text","content":"The post Discover it® Cash Back: New Info on the 2024 Rotating 5% Category Calendar appeared first on Clark Howard."}],"display_date":"2024-06-26T15:20:34Z","credits":{"by":[{"org":"Clark Howard","name":"Nick Cole","type":"author"}]},"subtype":"Wire","headlines":{"basic":"Discover it® Cash Back: New Info on the 2024 Rotating 5% Category Calendar"},"first_publish_date":"2024-06-26T15:20:34Z","taxonomy":{"primary_site":{"path":"/news/business","parent_id":"/news","name":"Business","description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution","_id":"/news/business","additional_properties":{"original":{"parent":{"AmpNav":"/news","default":"/news","MainMenu2024":"/","BottomNav":null,"TopNavRedesign":null,"SectionMap":"/","MainMenuRedesign2021":null,"subnav_news":"/","ComposerNav":"/news"},"site":{"section_comments_enabled":"Yes","site_description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution","site_title":"Atlanta Business news and updates"},"navigation":{"nav_title":"Business"},"inactive":false,"node_type":"section","name":"Business","_id":"/news/business","ancestors":{"AmpNav":["/"],"default":["/"],"MainMenu2024":["/"],"BottomNav":[],"TopNavRedesign":[],"SectionMap":["/"],"MainMenuRedesign2021":[],"subnav_news":["/"],"ComposerNav":["/news"]},"order":{"AmpNav":2006,"default":2006,"MainMenu2024":1003,"SectionMap":1068,"subnav_news":1005,"ComposerNav":2008}}},"type":"site","version":"0.5.8"},"sections":[{"path":"/news/business","parent":{"default":"/news"},"_website":"ajc","parent_id":"/news","name":"Business","description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution","_id":"/news/business","additional_properties":{"original":{"parent":{"AmpNav":"/news","default":"/news","MainMenu2024":"/","BottomNav":null,"TopNavRedesign":null,"SectionMap":"/","MainMenuRedesign2021":null,"subnav_news":"/","ComposerNav":"/news"},"site":{"section_comments_enabled":"Yes","site_description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution","site_title":"Atlanta Business news and updates"},"navigation":{"nav_title":"Business"},"inactive":false,"node_type":"section","_website":"ajc","name":"Business","_id":"/news/business","ancestors":{"AmpNav":["/"],"default":["/"],"MainMenu2024":["/"],"BottomNav":[],"TopNavRedesign":[],"SectionMap":["/"],"MainMenuRedesign2021":[],"subnav_news":["/"],"ComposerNav":["/news"]},"order":{"AmpNav":2006,"default":2006,"MainMenu2024":1003,"SectionMap":1068,"subnav_news":1005,"ComposerNav":2008}}},"_website_section_id":"ajc./news/business","type":"section","version":"0.6.0"}],"primary_section":{"path":"/news/business","name":"Business"},"tags":[{"text":"clark"}]},"type":"story","last_updated_date":"2024-06-28T15:20:49.944Z","promo_items":{"basic":{"width":150,"type":"image","distributor":{"mode":"reference","reference_id":"19e74e53-bba3-4c5d-a445-1a2a4a7cd2fe"},"url":"https://cloudfront-us-east-1.images.arcpublishing.com/ajc/ULA6HCSRWSU5H2B4NUHCS5NSSM.jpg","height":150}},"canonical_url":"/news/discover-it-r-cash-back-new-info-on-the-2024-rotating-5-category-calendar/J5BQVMDNHZFGBAXRPC2Y47H23E","_id":"J5BQVMDNHZFGBAXRPC2Y47H23E"},{"content_elements":[{"_id":"THSQ3KBPGJB25OPPRTA3VSQMGQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719397535995},"type":"text","content":"The chair of the National Transportation Safety Board lambasted Atlanta-based Norfolk Southern on Tuesday and accused the railroad of interfering with the agency’s investigation of the derailment of its train carrying hazardous materials in Ohio last year."},{"_id":"N5753DH2PRHDZJ6NCGFRZLQ6QI","additional_properties":{"inline_comments":[],"comments":[],"_id":1719362718162},"type":"text","content":"NTSB Chair Jennifer Homendy called the derailment in East Palestine and subsequent fiery hazardous materials release “devastating for an entire community.” At the hearing in the town where the train derailed the night of Feb. 3, 2023, she criticized Norfolk Southern’s actions during the wreck investigation, at one point describing a meeting that was marked by a “threat.”"},{"_id":"XPB7T7W6DRB3RNH43QJYBBM7GI","additional_properties":{"inline_comments":[],"comments":[],"_id":1719363835846},"type":"text","content":"“We can’t change the past. What we can do, based on facts, is work to ensure this never happens again,” she said."},{"_id":"NDZOLZE6OFCGDOB6RC354R5HEI","additional_properties":{"inline_comments":[],"comments":[],"_id":1719362718164},"type":"text","content":"Homendy said Norfolk Southern numerous times delayed or failed to provide critical investigative information to NTSB investigators, actions she described as “unconscionable.” She revealed that she twice called Norfolk Southern, stating that she would issue a subpoena to get information if it weren’t provided to the NTSB."},{"_id":"BXBRGRNFQVFJDMVYGOTMAXDR5Q","additional_properties":{"inline_comments":[],"comments":[],"_id":1719362718165},"type":"text","content":"At the close of the hearing she said she was “so deeply troubled with how Norfolk Southern approached this investigation.”"},{"_id":"6HNTOORC2RBYPNRUGZAH6BOPCM","additional_properties":{"comments":[],"_id":"TOHELE757FDSVEGFLWPV7SD3FA"},"type":"interstitial_link","content":"Ohio derailment costs continue to hit Norfolk Southern’s bottom line","url":"https://www.ajc.com/news/business/norfolk-southern-first-quarter-earnings-drop-as-railroad-grapples-with-ohio-derailment-costs/OKJ4PDWMIZFVHJ7ZEWHVP5CFFQ/"},{"_id":"GX43P3PLPZAOBAD5CQO3KPJHGE","additional_properties":{"inline_comments":[],"comments":[],"_id":1719352922060},"type":"text","content":"Norfolk Southern took issue with the criticism Tuesday evening, saying in a written response: “At all times, Norfolk Southern cooperated fully and ethically with the investigation, with full transparency.”"},{"_id":"B5LXPIUKSVCH3EQ36IT3HCKHHM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719355175467},"type":"text","content":"“Our communications with NTSB staff and Board Members were always motivated by a desire to ensure they had all the relevant information for their independent evaluation and by a shared commitment to advance rail safety,” the railroad’s statement said."},{"_id":"BU4IRX56T5HIZIDHQBREOOX37Q","additional_properties":{"inline_comments":[],"comments":[],"_id":1719352922061},"type":"text","content":"But Homendy called Norfolk Southern’s “abuse” of NTSB’s investigative process “unprecedented and reprehensible.” She recounted a meeting with Norfolk Southern that “ended with what everyone from the NTSB knew, heard in the room, was a threat.”"},{"_id":"QAOWWC5HDFHGDAIDEZ6PUWSHGY","additional_properties":{"inline_comments":[],"comments":[],"_id":1719352922062},"type":"text","content":"“We are the gold standard when it comes to accident investigation around the world. I will not allow — will not allow — any entity to impugn that reputation or malign the reputation of our investigative staff,” Homendy said. She said there would be an internal evaluation of NTSB’s policies to ensure it is “adequately protected from undue interference with the federal investigation.”"},{"_id":"HUSYUMXRTBFOZGOWRVO2SDMFFA","additional_properties":{"comments":[],"_id":"M6PDVFIP3RBE7GDKYBRICFPUE4"},"type":"interstitial_link","content":"Norfolk Southern reaches $310M settlement of fed probes into Ohio wreck","url":"https://www.ajc.com/news/business/norfolk-southern-reaches-310m-settlement-of-fed-probes-into-east-palestine-ohio-derailment/VNZHSFXVDBAWVAEWMR6Y5LHAMM/"},{"_id":"ZUIDROPDVBFUBIBHH2JYJGAZ6I","additional_properties":{"inline_comments":[],"comments":[],"_id":1719334541825},"type":"text","content":"The investigation of the East Palestine crash identified a number of safety issues, with the NTSB making dozens of safety recommendations aimed at preventing future disasters. The NTSB has no regulatory or enforcement authority, but makes recommendations to other government agencies, companies and industry to improve safety."},{"_id":"2T5FT2O34RAGVJNLI6QITKIJAQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719352922065},"type":"text","content":"The derailment itself was caused by a defective wheel bearing, but the NTSB found other factors contributed to the release of hazardous materials, potentially endangering the public and emergency responders. Those factors included problems with a tank car and a controlled burn decision after the wreck, a delay in telling emergency responders what the train was carrying, and insufficient training of volunteer firefighters."},{"_id":"HLOCGNZY3ZBHTL2JOZENIEPZQQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087021},"type":"text","content":"Norfolk Southern, in its written response said it has already moved to improve safety. “We will move quickly to compare the NTSB’s recommendations to our current protocols and will implement those that advance our safety culture,” it said."},{"_id":"MUFQVTTMDJHWRB6XJLAMWXADJU","additional_properties":{"comments":[],"_id":"WLCMGGYH5VG4XE3MRCDDIUR3IQ"},"type":"interstitial_link","content":"Norfolk Southern reaches $600M settlement for Ohio train wreck suit","url":"https://www.ajc.com/news/business/norfolk-southern-reaches-600m-settlement-for-ohio-derailment-lawsuit/ENZVGS66XRFPJGFYMLADN73F34/"},{"_id":"ERKIMRWLIJDGNL3TECSAV3QZJA","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087022},"type":"text","content":"But the railroad and the agency are at odds over one of the most consequential actions of the disaster: the railroad’s recommendation that toxic vinyl chloride in some of the rail cars undergo a controlled burn."},{"_id":"WMIKJ57T2BGVDJBFBQ7PBDWAOE","additional_properties":{"inline_comments":[],"comments":[],"_id":1719334541826},"type":"text","content":"The NTSB criticized Norfolk Southern for recommending the controlled burn and for not relaying dissenting opinions to the incident commander."},{"_id":"BE47VQJEEZGHRL4U3ET7RGEACU","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087024},"type":"text","content":"Vinyl chloride manufacturer OxyVinyls told Norfolk Southern that there was not a chemical reaction in the cars posing risk of an explosion, but key officials on the Unified Command of officials led by the East Palestine fire chief were not told that before they decided to do a “vent and burn” operation, according to remarks during hearings."},{"owner":{"id":"ajc"},"copyright":"Copyright 2023 The Associated Press. All rights reserved","address":{"locality":"East Palestine","country_name":"USA","region":"OH"},"auth":{"1":"004c130a8788d53d3ca978d8f78691a9956894a4783d54b420be79e56d91a4cd"},"caption":"FILE - A black smoke plume rises over East Palestine, Ohio, after a controlled detonation of part of the derailed Norfolk Southern trains, Feb. 6, 2023. A watchdog group says the Environmental Protection Agency should have conducted additional soil studies around the site of the derailment and tested garden crops after independent testing found high levels of chemicals in locally grown garlic. The Government Accountability Project filed a formal petition on Thursday, June 13, 2024 with the EPA. (AP Photo/Gene J. 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It has also caused lasting fears among some in the area about the potential for long-term health effects. Exposure to vinyl chloride, which is used to make PVC pipes, is associated with an increased risk of cancer."},{"_id":"MD3BE3MKVVACVGZHJBBAHCJQMY","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087027},"type":"text","content":"Norfolk Southern and its contractors continued to assert a “vent and burn” operation was necessary, “even though available evidence should have led them to reevaluate their initial conclusions,” according to NTSB investigator Paul Stancil. He told NTSB members that there was “a misunderstanding or confusion” between OxyVinyls’ support team and Norfolk Southern’s expert contractors."},{"_id":"OZDRY5ILBVHDLHOAWBLVE4U54E","additional_properties":{"comments":[],"_id":"WJA2R4WL6ZGPXM7MNPRDEQVSY4"},"type":"interstitial_link","content":"Norfolk Southern to study controlled burns in Ohio wreck settlement","url":"https://www.ajc.com/news/business/in-settlement-after-norfolk-southern-ohio-derailment-group-to-study-controlled-burns/3ZC2KT2WN5CZRAR6PWXQOZUZDQ/"},{"_id":"SKQNP5UCFVF4LMY2LVJ5XGWJ7Q","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087029},"type":"text","content":"“The decision-making process was very much flawed,” said NTSB member Thomas Chapman during the hearing. “I think it’s really unfortunate.”"},{"_id":"DMNXBFB3KFFUVB5Q2OVWDR4LNQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087030},"type":"text","content":"Norfolk Southern on Tuesday said along with its expert contractors, its “only motivation in recommending the vent and burn to the Unified Command was the health and safety of the community and first responders.”"},{"_id":"I2ASLGB2PJB4HKMUZWYBU3UCRM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087031},"type":"text","content":"The railroad said several factors “indicated the strong possibility of a catastrophic, uncontrolled explosion.” Norfolk Southern also said it “received conflicting information from OxyVinyls’ personnel” and that OxyVinyls could have made its views known to decision makers."},{"_id":"HZNTRXRNDZE4JIXPSV5D7RZQDA","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087032},"type":"text","content":"During Tuesday’s hearing, Homendy said: “I’ll just note how insulting it is that Norfolk Southern just this afternoon released a statement that said that we mischaracterized their vent-and-burn decision-making process.”"},{"_id":"ZGYHAGEPJNC4RKDEUZTXPMFZ4A","additional_properties":{"inline_comments":[],"comments":[],"_id":1719397536021},"type":"text","content":"The NTSB recommended more comprehensive guidance from the Federal Railroad Administration on when vent-and-burn operations should be done."},{"_id":"AYHRQCLOFNAZJNJM45HXBBBJKE","additional_properties":{"inline_comments":[],"comments":[],"_id":1719345087034},"type":"text","content":"It also recommended the Pipeline and Hazardous Materials Safety Administration add more hazardous materials to its classification of “high-hazard flammable trains” that are subject to more stringent restrictions on speed, routing, braking and other standards. The Norfolk Southern train that derailed in East Palestine did not meet the definition of a high-hazard flammable train, even though the wreck released hazardous materials and resulted in the evacuation of about 2,000 residents, according to the Federal Railroad Administration."},{"_id":"TOI3RGDXKVAIZEMBLOQ75VITNA","additional_properties":{"inline_comments":[],"comments":[],"_id":1719355175488},"type":"text","content":"Others, including U.S. Sen. Sherrod Brown of Ohio, renewed calls for stronger rail safety regulations."},{"_id":"5EYY6YOOVZEHDMANWIduch*eWTA","additional_properties":{"comments":[],"_id":"F6IYQ66WABFZVJX73GCTKK4XFY"},"type":"interstitial_link","content":"Ohio town still recovering year after Norfolk Southern train derailment","url":"https://www.ajc.com/news/business/a-year-after-norfolk-southern-train-derailed-an-ohio-town-tries-to-recover/36NE3BXWBJC7JHDOLEGX6PVWBA/"},{"_id":"PW3NN6UHDNCCPCABLC2HQGWEUQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719334541828},"type":"text","content":"Norfolk Southern said since the East Palestine derailment, it has installed 187 more hot bearing detectors, 17 acoustic bearing detectors and three digital train inspection portals."},{"_id":"HRFROJ5N4VGG3KD64MHLEZMEA4","additional_properties":{"inline_comments":[],"comments":[],"_id":1719334541830},"type":"text","content":"At the hearing, NTSB investigators presented their findings and the board voted on the findings and recommendations. The final report on the investigation will be published in several weeks."},{"owner":{"id":"ajc"},"copyright":"Copyright 2024 The Associated Press. All rights reserved.","address":{"locality":"East Palestine","country_name":"USA","region":"OH"},"auth":{"1":"070f27de45a248a7d8502f09a24b44b0704a9f09cc17c86b1e172dc896c3397e"},"caption":"Jami Wallace, center, talks with other audience members during a break in a meeting of the National Transportation Safety Board to discuss and the Norfolk Southern Train Derailment Investigation Tuesday, June 25, 2024, in East Palestine, Ohio. 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Norfolk Southern said since the East Palestine derailment, it has deployed real-time access to train consists with information on rail cars."},{"_id":"EUFDLR6X3BHGVAETYCAFCYOOCE","additional_properties":{"inline_comments":[],"comments":[],"_id":1719352922091},"type":"text","content":"Among the concerns is the safety of volunteer firefighters who may be as young as 18 years old, according to the NTSB."},{"_id":"QBAXG2LX3JHYBP7P3TFYTOJXNM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719334541833},"type":"text","content":"An NTSB member who went to East Palestine, a town of about 4,700, after the derailment said he was greeted there by a young volunteer firefighter who “told us about his experiences that night, receiving the call, quickly responding with his friends and fellow volunteer firefighters to protect their community — and the dangers they faced on the scene.”"},{"_id":"SJS3S7PQY5AP7D3UIARK34DTZU","additional_properties":{"inline_comments":[],"comments":[],"_id":1719334541834},"type":"text","content":"“Later, the firefighter’s mother surprised us by bringing the NTSB investigative team a crock pot full of homemade sloppy joes, chips and water for lunch,” said NTSB member Michael Graham. “I’ll never forget that.”"}],"display_date":"2024-06-26T01:12:35.382Z","credits":{"by":[{"image":{"version":"0.5.8","url":"https://s3.amazonaws.com/arc-authors/ajc/5f92eb8c-65ec-4d6b-905f-1943f365f66f.png"},"socialLinks":[{"site":"email","deprecated":true,"deprecation_msg":"Please use social_links.","url":"kelly.yamanouchi@ajc.com"},{"site":"facebook","deprecated":true,"deprecation_msg":"Please use social_links.","url":"https://www.facebook.com/atlantaairportnewsnow/"},{"site":"twitter","deprecated":true,"deprecation_msg":"Please use social_links.","url":"https://twitter.com/atlairportnews"}],"social_links":[{"site":"email","url":"kelly.yamanouchi@ajc.com"},{"site":"facebook","url":"https://www.facebook.com/atlantaairportnewsnow/"},{"site":"twitter","url":"https://twitter.com/atlairportnews"}],"name":"Kelly Yamanouchi","description":"Business reporter Kelly Yamanouchi covers airlines and the airport including Atlanta-based Delta Air Lines, one of the world's largest carriers, and Hartsfield-Jackson, the world's busiest airport. 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(AP Photo/Sue Ogrocki)","type":"image","distributor":{"mode":"reference","reference_id":"425c44eb-5b03-4ce5-89fa-69e74b50003b"},"url":"https://cloudfront-us-east-1.images.arcpublishing.com/ajc/ORINLJHDTI6K53VIKUMT65227E.jpg","height":2000}},"canonical_url":"/news/business/ntsb-criticizes-moves-in-norfolk-southern-s-2023-derailment-in-ohio/V2N24UWXWJDZTFRNCGYN2SJ2ZU/","_id":"V2N24UWXWJDZTFRNCGYN2SJ2ZU"},{"content_elements":[{"_id":"CUH55MGNSRFXXGYOLX3B7DXFJM","type":"text","content":"You may have noticed that Walmart and Capital One are back in the news regarding their co-branded rewards credit card."},{"_id":"GRPK6ZXSSZGALNIW5QCNOVED5I","type":"text","content":"This time it was the revelation that the companies have settled a lawsuit over their soured partnership on the Capital One Walmart Rewards® Card."},{"_id":"CXG7FAHFQBF23NSGGH7DNPY7BQ","type":"text","content":"Neither company commented on the terms or the path forward following the settlement. There are questions to be answered, though. New customers can’t sign up for the card and existing customers are wondering if they should make a move."},{"_id":"FDQLS6H6NBFH5MDHPWCXSLPEYA","type":"text","content":"If you’re behind on this drama, here’s a “quick catch-up” on how things got here:"},{"list_type":"unordered","_id":"FFNV3C6RXVFKXMIIXTPYLL6AEU","type":"list","items":[{"type":"text","content":"September 2019: The Capital One Walmart Rewards® Card launched."},{"type":"text","content":"April 2023: Walmart sued Capital One over its handling of the credit card partnership. Per reports, Walmart said the bank was \"too slow to post transactions to cardholder accounts, and failed to replace lost cards promptly.\""},{"type":"text","content":"May 2024: Walmart and Capital One announced the end of their credit card partnership. Capital One announced that it will \"retain ownership and servicing\" of the credit card accounts generated during the partnership. It promised that \"additional information will be provided in the coming months to Walmart credit card holders.\""},{"type":"text","content":"June 2024: The two sides announced they have reached a settlement for the lawsuit. Capital One no longer appears to be accepting new applicants for the card via their website."}]},{"_id":"A5FL3ZFTMNHJDJIQJ3FXRC55GQ","type":"text","content":"So, with the relationship appearing to be nearing the end of its road, it's fair to wonder: What's next?"},{"_id":"CT3XDIZD4VA4HBP2QTM4NCSQ74","type":"text","content":"Let’s talk through it."},{"level":2,"_id":"T5HICKHYXJBCHIUG364C4YLC4A","additional_properties":{"id":"h-what-should-walmart-shoppers-do-in-the-meantime","class":["wp-block-heading"]},"type":"header","content":"What Should Walmart Shoppers Do in the Meantime?"},{"_id":"XZUSFZP3TVD6RNY3A7IEITYRDU","type":"text","content":"It’s clear that we’re in a “transition” period for Walmart as it relates to its co-branded credit card. There may be a new one coming, but we don’t know when, from who, or what the details might look like."},{"_id":"RTWZM7GFKVB4NITNGKCQIIOMZQ","type":"text","content":"And if you're a regular Walmart shopper who wants to maximize credit card rewards, you're likely still spending money there and wondering what this breakup means for the future of earning rewards at the store."},{"_id":"IDCLYH6Z5RAS5KMCZIW36LKALU","type":"text","content":"After all, the existing credit card is one of the best shopping rewards cards for customers who use the Walmart app. You can earn 5% back on your purchases via the Walmart website or app for pickup or delivery purchases!"},{"_id":"BBJQAE2SXBHNRIGEVNNN4U4SXU","type":"text","content":"The short-term solution differs based on whether you have the Capital One credit card or not."},{"level":3,"_id":"TASBC27PQFHMZK6BSHZHRN4NHU","additional_properties":{"id":"h-if-you-have-the-capital-one-walmart-rewards-card","class":["wp-block-heading"]},"type":"header","content":"If You Have the Capital One Walmart Rewards® Card:"},{"_id":"3HJIBQGPWZFFXBMT6JQYAFFHQY","type":"text","content":"When Capital One and Walmart announced they were parting ways in May 2024, Capital One issued the following statement to existing cardholders:"},{"content_elements":[{"type":"text","content":"\"While Capital One andWalmarthave ended their card partnership, nothing changes today for cardholders – cardholders can continue to earn and redeem rewards, and previously accrued rewards will retain their value. Until informed otherwise,cardholders can also continue to use their Capital OneWalmartRewards® Card wherever Mastercard is accepted and theWalmartRewards® Card for purchases atWalmart.\""}],"_id":"OC6JKKK76VCA3DXQAC2CYUEA4I","type":"quote"},{"_id":"34WW3MJOYZARXN4X7BI2OSTUFM","type":"text","content":"Our suggestion is to keep earning the rewards as long as they’ll allow you."},{"_id":"F4W4VZ7SWJBN3IMIZMUWLNZDIE","type":"text","content":"You already have the card, so you may as well continue to enjoy the opportunity to continue compiling up to 5% back on your purchases. But, do so with the understanding that they may change the terms on your card at any time."},{"_id":"5ZEUZURNRJGSHMC4WVLJ7RBFKA","type":"text","content":"And remember: You don't want to unnecessarily close the card account prematurely, as it could impact your credit score based on length of credit and credit utilization metrics."},{"level":3,"_id":"ZL5GQY46HFBYHJPQM3RBXATB5M","additional_properties":{"id":"h-if-you-don-t-already-have-the-capital-one-version-of-the-walmart-card","class":["wp-block-heading"]},"type":"header","content":"If You Don’t Already Have the Capital One Version of the Walmart Card:"},{"_id":"VNAFT66UDNEJDKPJQD6U5DHWJM","type":"text","content":"It appears that Capital One is no longer accepting new applications for the card on its website."},{"_id":"NDQH72CIZFHJPOW2LKAYXE4V4E","type":"text","content":"So, while existing customers can still earn their rewards, you’ll need to come up with a different way to get rewards on spending at the world’s largest retailer."},{"_id":"LK2SYQOMH5A3REAF3ZJZWGJAHA","type":"text","content":"One easy solution is to use a 2% cash back credit card with no annual fee. Money expert Clark Howard typically recommends signing up for one of these cards as your first cash back credit card."},{"_id":"KDSS3COXWRC25N62A6LI2TXRQM","type":"text","content":"Doing so will ensure that you not only get an effective 2% discount at Walmart, but also on every other purchase you make."},{"_id":"QSY5XT46J5CKVO6CQSXVYNADEA","type":"text","content":"If you already have one of these cards and are looking to beat the 2% back you can get, you might benefit from playing the “waiting game” on Walmart."},{"_id":"MPGUCTQOBJAJ3MITXYQZ2APK4A","type":"text","content":"There’s a strong chance that we’ll eventually see a new rewards credit card from them. And there’s a possibility that it could offer a chance to beat 2% back in earnings via Walmart Pay, the Walmart app, Walmart.com and maybe even on in-store purchases."},{"_id":"MAWEco*kRL5GPBBY4623V5IXLPU","type":"text","content":"Are you disappointed by the end of this partnership? Or are you hoping for a bigger and better rewards card to come? We’d love to hear your thoughts in the Clark.com community."},{"_id":"TR5Y7PP7MBABNNYIFA5BYYZI4M","additional_properties":{"href":"https://clark.com/credit-cards/walmart-capital-one-credit-card-future/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER"},"type":"interstitial_link","content":"This article was originally published on Clark.com","url":"https://clark.com/credit-cards/walmart-capital-one-credit-card-future/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER"},{"_id":"QCKWJ5MPYZAKHG5NTHT5QR2FHU","type":"text","content":"The post What's the Future of Walmart's Credit Card After Capital One Break Up? appeared first on Clark Howard."}],"display_date":"2024-06-25T21:13:29Z","credits":{"by":[{"org":"Clark Howard","name":"Nick Cole","type":"author"}]},"subtype":"Wire","headlines":{"basic":"What’s the Future of Walmart’s Credit Card After Capital One Break Up?"},"first_publish_date":"2024-06-25T21:13:29Z","taxonomy":{"primary_site":{"path":"/news/business","parent_id":"/news","name":"Business","description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution","_id":"/news/business","additional_properties":{"original":{"parent":{"AmpNav":"/news","default":"/news","MainMenu2024":"/","BottomNav":null,"TopNavRedesign":null,"SectionMap":"/","MainMenuRedesign2021":null,"subnav_news":"/","ComposerNav":"/news"},"site":{"section_comments_enabled":"Yes","site_description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution","site_title":"Atlanta Business news and updates"},"navigation":{"nav_title":"Business"},"inactive":false,"node_type":"section","name":"Business","_id":"/news/business","ancestors":{"AmpNav":["/"],"default":["/"],"MainMenu2024":["/"],"BottomNav":[],"TopNavRedesign":[],"SectionMap":["/"],"MainMenuRedesign2021":[],"subnav_news":["/"],"ComposerNav":["/news"]},"order":{"AmpNav":2006,"default":2006,"MainMenu2024":1003,"SectionMap":1068,"subnav_news":1005,"ComposerNav":2008}}},"type":"site","version":"0.5.8"},"sections":[{"path":"/news/business","parent":{"default":"/news"},"_website":"ajc","parent_id":"/news","name":"Business","description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution","_id":"/news/business","additional_properties":{"original":{"parent":{"AmpNav":"/news","default":"/news","MainMenu2024":"/","BottomNav":null,"TopNavRedesign":null,"SectionMap":"/","MainMenuRedesign2021":null,"subnav_news":"/","ComposerNav":"/news"},"site":{"section_comments_enabled":"Yes","site_description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution","site_title":"Atlanta Business news and updates"},"navigation":{"nav_title":"Business"},"inactive":false,"node_type":"section","_website":"ajc","name":"Business","_id":"/news/business","ancestors":{"AmpNav":["/"],"default":["/"],"MainMenu2024":["/"],"BottomNav":[],"TopNavRedesign":[],"SectionMap":["/"],"MainMenuRedesign2021":[],"subnav_news":["/"],"ComposerNav":["/news"]},"order":{"AmpNav":2006,"default":2006,"MainMenu2024":1003,"SectionMap":1068,"subnav_news":1005,"ComposerNav":2008}}},"_website_section_id":"ajc./news/business","type":"section","version":"0.6.0"}],"primary_section":{"path":"/news/business","name":"Business"},"tags":[{"text":"clark"}]},"type":"story","last_updated_date":"2024-06-27T21:25:49.981Z","promo_items":{"basic":{"width":150,"type":"image","distributor":{"mode":"reference","reference_id":"19e74e53-bba3-4c5d-a445-1a2a4a7cd2fe"},"url":"https://cloudfront-us-east-1.images.arcpublishing.com/ajc/OIHYU4WJM7TJUH2EJIGKSLXHSA.jpg","height":150}},"canonical_url":"/news/whats-the-future-of-walmarts-credit-card-after-capital-one-break-up/MN7VK3GF5VEIZPFUTGDBPQT7AA","_id":"MN7VK3GF5VEIZPFUTGDBPQT7AA"},{"content_elements":[{"_id":"RSDX2COACNBBPD7PYF22FOR3GE","additional_properties":{"inline_comments":[],"comments":[],"_id":1719347693587},"type":"text","content":"One of the most profitable companies in the world will net some hefty tax savings in Fulton County while building another gigantic data center."},{"_id":"SCPTMGNSF5A2XC6JG7UAWIYCYQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514883},"type":"text","content":"The Development Authority of Fulton County’s board voted 5-3 on Tuesday to approve $75 million in tax savings over a 10-year period for the project in Union City. The project on vacant land at 4810 Stonewall Tell Road is estimated to be valued at $1.8 billion and will be built by data center developer EdgeConnex."},{"_id":"35QUX7CZQBFZDCFPGQQSDMVWOM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514884},"type":"text","content":"Microsoft’s name wasn’t mentioned during the meeting, but the tech giant owns the land and confirmed to The Atlanta Journal-Constitution that it is the end user for the project."},{"_id":"FUZ6GE5ZYFDMHDFC7YNBMP2QGU","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514885},"type":"text","content":"So far this year, Microsoft has paid at least $171 million to acquire more than 480 acres across Atlanta’s southside for data center development, adding to a rush of computer server storage facilities that are being built across the region. A representative of the developer said topography challenges and the huge electricity usage taxes help justify the incentive. "},{"_id":"FT4I7QWB5BAEXFHPPECPW4UD5U","additional_properties":{"comments":[],"_id":"VSH3GIKTNNBBDGUSS3OW7FW36E"},"type":"interstitial_link","content":"Fulton board approves controversial $10M tax break for Elon Musk’s X","url":"https://www.ajc.com/news/atlanta-news/fulton-board-approves-controversial-10m-tax-break-for-elon-musks-x/XQOXPL36LBFLDKOBVOTWKDX7ZU/"},{"_id":"326NP5NOUNC4XK3NEH2YDTPPEQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719347693593},"type":"text","content":"Critics of DAFC cite the voracious demand for data centers as reason the authority should not offer tax breaks for them."},{"_id":"XVFYSWGOS5GLHOCESVIHN4DVQQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514889},"type":"text","content":"DAFC, also known as Develop Fulton, has faced intense scrutiny for doling out tax savings to developers in hot neighborhoods and for incentivizing data centers despite their proliferation in the Atlanta area. The board received an undisclosed number of public comments before Tuesday’s meeting, and board members indicated many of them were in opposition to granting the data center the requested tax break."},{"_id":"JAOSM2XL7FH73FSU2DVJPKEGYY","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514890},"type":"text","content":"Those comments were not read during the meeting. Julian Bene, a former board member of Invest Atlanta, the city’s economic development arm, told the AJC that Microsoft should have to pay its full tax burden."},{"_id":"QL44DH42GNDNNPJDDTTJWMXUBI","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514891},"type":"text","content":"“Microsoft chose the site strategically, bought the site — for a price that reflects its topography — so it’s a fair bet they’ll develop the data center there without the tax break,” he said."},{"_id":"LR2V43P2VFDO3CXERHTMD2V35A","additional_properties":{"comments":[],"_id":"LGQLA7MSMVBCDB4I2RUABX7LIQ"},"type":"interstitial_link","content":"Fulton board grants 3 big tax breaks, including $32M abatement for data center","url":"https://www.ajc.com/news/dafc-grants-3-big-tax-breaks-including-32m-abatement-for-data-center/UZIWCT7GB5AH5J5LI4Q3D7RXN4/"},{"_id":"BWWUMOQDHZHD5J2MJN5C54WDD4","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514886},"type":"text","content":"Todd Workman, an advisor for EdgeConnex, told the DAFC board that the tax savings were needed to level the playing field against three other sites under consideration. He said the project will be valued at $387 per square foot, which he said is 10 times more than other warehouse projects."},{"_id":"WZV4FNIRY5FVJGBZLXR6IFH7QE","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514887},"type":"text","content":"“There’s more investment put in a data center per square foot than pretty much any other kind of development,” Workman said. “... Property taxes are not a rounding error. 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The company operates hundreds of data centers across the globe, including several in Fulton. In 2020, DAFC voted to approve tax breaks totaling about $32 million for Microsoft for a pair of data centers in the county."},{"_id":"ALDPEWBNYJAHDKSM6QCNSUW7WA","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514898},"type":"text","content":"Atlanta has emerged as a top market for these facilities. Since 2023, data center construction in metro Atlanta has increased 211%, which is the fastest among major data center markets across the country, according to real estate services firm CBRE."},{"_id":"AWTUXMUXC5BCRLR2QNSRUFFZ7A","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514899},"type":"text","content":"The rush of data center development has sparked pushback from some communities and lawmakers over their strain on local utilities, consuming copious amounts of water and electricity. State regulators in April allowed Georgia Power to expand its electricity-generating capacity — mostly powered by fossil fuels — mainly because of data center projects in the pipeline across the state."},{"_id":"QJ3CYBGWCRFV3IN3QUJGPN72XQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514900},"type":"text","content":"This year, state lawmakers passed a suspension of the state sales tax break program for certain large data centers. The bill’s sponsors said the incentive program isn’t giving the state much financial return on its multimillion-dollar investment. But Gov. Brian Kemp vetoed that measure earlier this month, saying a suspension would be abrupt, especially since the state Legislature two years ago extended the program until 2031."},{"_id":"VXOMQC3GP5HVVGIXL4Y5GQNMAI","additional_properties":{"comments":[],"_id":"AEPNHWKI6BE4ZK3NQDJBSVN52Y"},"type":"interstitial_link","content":"Data center developer proposes 3rd campus near Atlanta","url":"https://www.ajc.com/news/business/t5-data-centers-pursues-495k-square-foot-campus-in-fairburn/UVYQWF3CD5F2NM7JTKVPDX7E3E/"},{"_id":"7LEKJ35H7ZFWBGEOQWTZDDA53Q","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514901},"type":"text","content":"DAFC estimates local governments will collect $198 million in taxes from the project over the next decade despite the potential tax abatement. DAFC earns fees off of the tax break deals it approves that fund its budget."},{"_id":"IJOTBBHDINCWDBZ2ZDWIXIKKTU","additional_properties":{"inline_comments":[],"comments":[],"_id":1719347693613},"type":"text","content":"Mike Bodker, the board’s treasurer, argued that taxpayers will immediately benefit from the project."},{"_id":"6RBEKFYGZRAHJM6N6KLKKTWRFM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514902},"type":"text","content":"“The community will benefit from day one, there’s no ifs, ands or buts about that,” he said. “The only person who couldn’t see it that way would be someone who believes that a similar project or a better project will come regardless, and I’m not that person.”"},{"_id":"TXZYW6X6QBF7FAVE7QLTDWZ7WY","additional_properties":{"inline_comments":[],"comments":[],"_id":1719346514903},"type":"text","content":"The board added a requirement that EdgeConnex finish building the full campus, which consists of three data center buildings, by 2032."},{"_id":"JAQ7NZL22BGPVFQ5VALT6R4XPU","additional_properties":{"inline_comments":[],"comments":[],"_id":1719347693616},"type":"text","content":"DAFC Chairman and state Sen. 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Ambassador Andrew Young and King Center CEO Bernice King were some of the officials tapped to join the ethics council."},{"_id":"35AQNPKN6ZGYBFVPT43I4IBXA4","additional_properties":{"comments":[],"_id":"OHA5FMYKYNCTZKIX552FUTUO5Q"},"type":"interstitial_link","content":"How Black Atlanta leaders could help tackle racial disparities in AI","url":"https://www.ajc.com/news/business/how-black-atlanta-leaders-could-help-tackle-racial-disparities-in-ai/Z45RDBJLZBFCNMVZDOXU4OZKYY/"},{"_id":"3MOFQLDM7RD45CBHNGCANAHRQA","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686477},"type":"text","content":"Leaders from Big Tech companies would also be asked to be part of the group, Bryant said in December. 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He said he wanted to be thoughtful with the council, which is why he has slowed the rollout."},{"_id":"BO7N5AXH2FHEDCPMQNKAKSJ5II","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686481},"type":"text","content":"OpenAI did not respond to questions about the council’s timeline."},{"level":3,"_id":"YEFLFRTMXZDC3JTH23ECD47IUM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686482},"type":"header","content":"Trust in AI"},{"_id":"4E46QAFHI5CBNIHQA2ILFTUD7I","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686483},"type":"text","content":"Most Americans aren’t convinced AI will benefit society. Only one in 10 think the technology does more good than harm, according to a 2023 Gallup survey, though Black Americans are more optimistic. More than two-thirds of Black adults said AI does either more good than harm or equal amounts of harm and good."},{"_id":"ELSTSN7MAVAYXMAOUPGNRQR3UQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686484},"type":"text","content":"Altman and OpenAI are some of the most prominent figures in the industry because of the popularity of ChatGPT. In May, there were more than 637 million visits to the AI chatbot, which is down from the 1.8 billion visits in April, according to data from analytics firm Similarweb."},{"_id":"OOIVRV6HFRE47ARX33IEVZHT3M","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686485},"type":"text","content":"But OpenAI has faced recent controversies. Safety-minded employees have left the company because they don’t trust Altman, Vox reported in May."},{"_id":"42HX7Z2B2REBXETAOQZUFOENLM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686486},"type":"text","content":"OpenAI also faced public backlash when actress Scarlett Johansson accused the company of copying her voice for ChatGPT despite her refusing the company’s licensing request, which OpenAI denied."},{"_id":"5K7PZW5NN5FZLJP3XFDYDD42FA","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686487},"type":"text","content":"The company did not respond to questions about if it had more urgency to launch the AI ethics council because of the recent controversies."},{"_id":"5AWFJFU4EVASXFRYQBDNVIKKPE","additional_properties":{"comments":[],"_id":"C7FRGSMP5VGQ7CLE7UBYYRUUSA"},"type":"interstitial_link","content":"OpenAI’s Altman sidesteps questions about governance, Johansson at UN AI summit","url":"https://www.ajc.com/news/nation-world/openais-altman-sidesteps-questions-about-governance-johansson-at-un-ai-summit/AOMO64274RHVRAUUR53NGFTWRM/"},{"_id":"D5YN2TDYAJFAXOKSZJWX274OTI","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686489},"type":"text","content":"Despite mistrust and missteps, AI has already had a major impact. This month, the chipmaker Nvidia briefly overtook Microsoft as the most valuable company on the S & P 500 because of its role in powering AI. But Bryant said Altman acknowledges the good and the bad of AI, which earned his trust."},{"_id":"RIF2ZLB7H5BC5GPD2BSI6RSBRU","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686491},"type":"text","content":"As for the council, Bryant said it will start having expert briefings in the next month and a half and will unveil its first report at the HOPE Global Forum in December, Operation HOPE’s annual summit. He describes the forum as a “Black and brown Davos,” referring to the influential annual World Economic Forum held in Switzerland."},{"_id":"SJGZVTRZCBDH7CFNLUOIAST5U4","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686492},"type":"text","content":"He also wants to get Microsoft, Google and leaders from other tech companies on the council, though he did not detail a timeline."},{"_id":"H3C7IASBY5EMLGYEWP3KOM6HEM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686493},"type":"text","content":"Bryant was straightforward when talking about why the council hasn’t launched yet."},{"_id":"DYAHNSYF5JF5VJRPIO53QVRZLM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686494},"type":"text","content":"“Don’t blame the timeline lag on the members, blame it on me,” he said."},{"_id":"6EBZOMOICZD3VD2BWJXDN34UFI","additional_properties":{"inline_comments":[],"comments":[],"_id":1719341686495},"type":"text","content":"“I believe they would have gone as fast as Sam and I asked, but Sam has been a little busy and I’ve been a little busy, and I also just thought there was no benefit in rushing this. It ain’t going nowhere.”"},{"_id":"ORH5KVYCVVGRXP7ARYMCUYQF74","additional_properties":{"comments":[],"_id":"GWNPC6WZ3VGA7AYJRLBWLZZZ6U"},"type":"divider"},{"_id":"K64ZJ4QXJJGE3DQXJHZMNWMEWQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719340293538},"type":"text","content":"The Atlanta Journal-Constitution and Report for America are partnering to add more journalists to cover topics important to our community. Please help us fund this important work here."}],"display_date":"2024-06-25T19:13:48.945Z","credits":{"by":[{"image":{"version":"0.5.8","url":"https://s3.amazonaws.com/arc-authors/ajc/cd29b87e-92eb-4491-a6db-63b7de0abfb1.png"},"socialLinks":[{"site":"email","deprecated":true,"deprecation_msg":"Please use social_links.","url":"mirtha.donastorg@ajc.com"},{"site":"twitter","deprecated":true,"deprecation_msg":"Please use social_links.","url":"https://twitter.com/mjdonastorg"}],"social_links":[{"site":"email","url":"mirtha.donastorg@ajc.com"},{"site":"twitter","url":"https://twitter.com/mjdonastorg"}],"name":"Mirtha Donastorg","description":"Mirtha Donastorg is a reporter on The Atlanta Journal-Constitution’s business team focusing on Black wealth, entrepreneurship, and minority-owned businesses as well as innovation at Atlanta’s HBCUs. 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Schwartz, a former journalist and longtime executive within Cox Enterprises who most recently served as the CEO of the Cox Family Office, plans to retire from the company at the end of this year."},{"_id":"BZUBHSXOVRHXJJ6Q23TJLABLZM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719281696713},"type":"text","content":"Schwartz, who joined Cox in 1985, will be succeeded by Cody Partin, Cox senior vice president of enterprise security and corporate services, the company said in a Tuesday news release."},{"_id":"GL7CGPB6VJCQFJWVETJVTCEDIQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719281696714},"type":"text","content":"“There’s no one more qualified than Cody to be the next leader of the Cox Family Office,” Alex Taylor, chairman and CEO of Cox Enterprises, said in a news release."},{"_id":"XP7AV3Z3FRHQDORVGCI6CZ4ZSM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719281696715},"type":"text","content":"Taylor also praised 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He also helped close one of Cox’s biggest transactions, the 2015 purchase of auto dealership services firm Dealertrack for $4 billion."},{"_id":"GXZ26N3MYRGLJHMQ2HGXTUUKZY","additional_properties":{"inline_comments":[],"comments":[],"_id":1719281696720},"type":"text","content":"Before running the automotive division, Schwartz led Cox’s media division, which at the time included multiple newspapers and dozens of television and radio stations. Since taking over the family office in 2020, Schwartz has been involved in Cox’s acquisition of media startup Axios and efforts to transform the AJC into a modern media company."},{"_id":"OADD2GCSERFXXHSQEPAKHXBHO4","additional_properties":{"inline_comments":[],"comments":[],"_id":1719281696721},"type":"text","content":"Schwartz joined Cox working at a newspaper in Phoenix, ultimately rising through the ranks in the newsroom and later the business side of the paper. 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He worked closely with Chairman Emeritus Jim Kennedy, the third generation of family leadership, Taylor, the fourth generation, and most recently a fifth generation Cox family member worked with the company as an intern."},{"_id":"ZRNAYSVSJFDTLLZ33UKWMCUYRA","additional_properties":{"inline_comments":[],"comments":[],"_id":1719281696724},"type":"text","content":"“He’s been a mentor to so many people and represents the very best of our people-first culture,” Taylor said of Schwartz. “He will be greatly missed as head of the family office, but he will continue collaborating with me on certain strategic projects in the future.”"},{"_id":"SXQ6MTLUWNE2NJO3I6XFXIHNAQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1719281696725},"type":"text","content":"Partin joined Cox in 2009. He is a real estate attorney by trade, earning his law degree from Harvard Law School. 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And it can do so in a passive, automated way."},{"_id":"6ZL6HUKC4FAQDO3SVUERGW4FKI","type":"text","content":"But on a small scale, the Stash fees can be costly. And Stash’s long list of bells and whistles can confuse an inexperienced investor into thinking that the price tag comes with more value than it does."},{"_id":"Q6KHZKW4RBDPLDXWHLWITNLAXU","type":"text","content":"It’s a glass half-full or half-empty type of Rorschach test with low stakes."},{"_id":"SOBP7LL4RFAELKYTOKW2GNAHNI","type":"text","content":"In this article, I'll explain how much Stash costs, who should use Stash and whether there are better alternative investing companies."},{"level":3,"_id":"C524AHCR45FUDFF3YM3DW4IPNA","additional_properties":{"id":"h-table-of-contents","class":["wp-block-heading"]},"type":"header","content":"Table of Contents"},{"list_type":"unordered","_id":"3DKX7DBE6JBQVIOQPSNGRIBFKQ","type":"list","items":[{"type":"text","content":"What Is Stash?"},{"type":"text","content":"How Does Stash Work?"},{"type":"text","content":"How Much Does Stash Cost?"},{"type":"text","content":"Investing With Stash"},{"type":"text","content":"Stash Review: Where It Shines"},{"type":"text","content":"Stash Review: Where It Falls Short"},{"type":"text","content":"Who Should Use Stash?"},{"type":"text","content":"Stash Alternatives"}]},{"level":2,"_id":"632SE4ABQBEP7G6V6U7SUW3XHQ","additional_properties":{"id":"h-what-is-stash","class":["wp-block-heading"]},"type":"header","content":"What Is Stash?"},{"_id":"MDMTLG6OOFGEXJOHVZLVNMV6J4","type":"text","content":"Stash is a fintech company that combines banking, investing and education."},{"_id":"ZV4EG7IYGVGJNNPAZ5RSTRJWXE","type":"text","content":"With the tagline “investing made easy,” Stash gives inexperienced investors a simple way to save for retirement."},{"_id":"EH5H2S7IINEI7D45A2KIER7EIM","type":"text","content":"It’s best known for automated investing."},{"_id":"OFGVUQCPGVB55HAXALZJRWUG34","type":"text","content":"When you buy with a Stash-issued debit card, Stash rounds up your purchase to the nearest dollar. It then invests that extra change through an automated portfolio (essentially a robo-advisor)."},{"_id":"UVNU6VIS7JEMRBYSHLKRK3MJCI","type":"text","content":"Investors pay a variable fee because it’s a subscription-based investment plan. It’s $3 per month for Stash Growth or $9 per month for Stash+ (more on that shortly)."},{"_id":"TCWYYS5MCBF6HK2ZCZGEWNTREQ","type":"text","content":"Co-founded in 2015 by a pair of Wall Street veterans, Stash got rid of crypto as an investment option in 2023 and hired a CEO in ’24."},{"_id":"C2FDEPBUCZDERO5ND6VHLMO5ZE","type":"text","content":"In addition to recurring, automated investments, Stash offers fractional shares, educational content, cash back via the Stash Stock-Back® Debit Mastercard®, direct deposit, custodial accounts for children and more."},{"level":2,"_id":"XVNWCYNCNVGGXIVQHJ4DGG3XFM","additional_properties":{"id":"h-how-does-stash-work","class":["wp-block-heading"]},"type":"header","content":"How Does Stash Work?"},{"_id":"HFC4ORR7FJGVNIUEIDMPSLQ6VE","type":"text","content":"When you enroll, you select from six goal options, pick between the $3 and $9 a month subscription plans and add a credit card. You’ll receive online banking, including ATM access and your Stash Stock-Back debit card."},{"_id":"WAAUCVMGDVCBVHNINICKI2MJEE","type":"text","content":"When you use the debit card tied to your Stash account, Stash’s “Stock Round-Ups” feature rounds up to the nearest dollar and sets aside your change. For example, if you buy a candy bar for $1.40 at a gas station, Stash will set aside 60 additional cents of your money into a digital piggy bank of sorts. Your total purchase will be $2."},{"_id":"FNNHNXHQ2FEBPM5EIFCCX6CGF4","type":"text","content":"When the digital piggy bank holds at least $1, Stash will sweep the money into your Stash investment account. (You can also make automatic or one-time scheduled transfers)."},{"_id":"GXWMQ6F4YRF7NI3M6Z4JWHP4Y4","type":"text","content":"Stash will invest your \"loose change\" into Smart Portfolio, the company's robo-advisor. It also gives you the ability to invest on your own in more than 4,000 individual stocks and ETFs either through a taxable brokerage account or IRA."},{"level":2,"_id":"P4MHJJFZNZD3BKK4TUU543CJXY","additional_properties":{"id":"h-how-much-does-stash-cost","class":["wp-block-heading"]},"type":"header","content":"How Much Does Stash Cost?"},{"_id":"FKQDZILA3FBXXNCZAXRIGYPRFY","type":"text","content":"When full-fledged financial advisors charge 1% of assets under management annually, and a client gives them millions of dollars to manage every year, it can seem like they’re committing highway robbery."},{"_id":"N5LTV6FKHND55PZZYYUCXKIEEE","type":"text","content":"Yet when platforms such as Stash or Acorns sometimes charge much higher fees on a less wealthy class of investor, it's ignored as low consequence because there are fewer zeros involved."},{"_id":"RBBXCC2CXJHSXMPJVKY3DACJBY","type":"text","content":"Stash offers two tiers: Stash Growth, which is $3 a month or $36 a year, and Stash+, which is $9 a month or $108 a year."},{"_id":"IIRE3SEEJRDYTEHOFC7WIM7TYY","type":"text","content":"With the more expensive plan, you unlock:"},{"list_type":"unordered","_id":"SFV7XQ2QRRG6PIY6RYOHZYGRBI","type":"list","items":[{"type":"text","content":"Two Kids Portfolios: Custodial investment accounts for up to two children."},{"type":"text","content":"Earn 1% in stock on card purchases: The lower tier offers \"cash back\" in the form of stock at 0.125%."},{"type":"text","content":"$10,000 in group life insurance: Provided by Avibra, Inc., this policy is only available to Stash users ages 18 to 54 who meet terms and conditions. (The lower tier offers $1,000 in group life insurance.)"}]},{"_id":"VG37IK6LBRBDBD6KIBTB6ZXLUU","type":"text","content":"Stash Growth “was made for beginners,” the company website writes, while Stash+ “includes every tool, feature, and account type that we offer.”"},{"_id":"B36DBXBSLVHEXBPVAWBTGJRCLM","type":"text","content":"Back to the fees. Betterment and Wealthfront are Team Clark's two favorite robo-advisors. They each charge a 0.25% annual fee and offer a 0.09% weighted expense ratio."},{"_id":"EB4GVRIRBNEDNFTWDTUISW4CN4","type":"text","content":"The expense ratios that Stash offers are competitive (0.08 to 0.14%). But if you’re paying $36 or even $108 per year for a service, your de facto annual fee is going to vary dramatically based on the amount of money you’re investing each year."},{"_id":"JSQ5BLNROBGWLKWYZAJFKYFG7Q","type":"text","content":"If you’re not making any automated transactions and you’re making 10 debit card purchases per week with an average roundup of 50 cents per purchase, you’re contributing $260 to your investment account for the entire year. Stash Growth members are paying an annual fee of 13.8%. Stash+ members: 41.5%(!)."},{"_id":"4LWLQ6JSQRAD3ALY7V6AXDW7S4","type":"text","content":"To get to the 0.25% annual fee that Betterment and Wealthfront are charging, you’ll need to contribute $43,200 if you subscribe to Stash+ and $14,400 if you subscribe to Stash Growth."},{"_id":"QPNUUOF3FZBATFENNHIANQ7VVU","type":"text","content":"If you're investing more than pocket change, you're probably using one of Clark's three favorites: Fidelity, Schwab or Vanguard. By default, you're (almost certainly) paying way too much in annual fees if you're using Stash."},{"level":2,"_id":"HBWEAOMWCBABLJM3QCZQI4TO4E","additional_properties":{"id":"h-investing-with-stash","class":["wp-block-heading"]},"type":"header","content":"Investing With Stash"},{"_id":"NJJXJPHU7ZGDTODHUMSRYGLRPU","type":"text","content":"When you invest with Stash, you can either use the robo-advisor or you can handle your own investments. With the robo-advisor, you'll get slotted into one of a few prebuilt portfolios based on your age, risk tolerance and goals."},{"_id":"DN3PPHBT6ND5XBXWI6KFNAQOTE","type":"text","content":"You may also choose a blend of robo-investing and managing your own investments."},{"_id":"DY3Y46TJHRHZLIZXO35MDQV654","type":"text","content":"Investing on your own through Stash gives you the option to contribute and invest in a Roth or traditional IRA."},{"_id":"GQQQBLU3YJEONLAIRUXR4PORMM","type":"text","content":"Stash offers users multiple ways to invest:"},{"list_type":"unordered","_id":"MPPFHKIZZZC3DG7WFKCLK2SQLM","type":"list","items":[{"type":"text","content":"Stash Stock-Back Card: Earn \"cash back\" in the form of bonus stock"},{"type":"text","content":"Stock Round-Ups: Debit card purchases round up to the nearest dollar and the spare change gets invested"},{"type":"text","content":"Recurring Investments: Automated, scheduled transfers from your bank account"},{"type":"text","content":"Dividend Reinvestment: Stash can automatically reinvest any dividends you earn"},{"type":"text","content":"Invest Anywhere: Manage your own investments within Stash"},{"type":"text","content":"Personalized Guidance: Use the Stash portfolio allocation software to get recommendations on diversifying your portfolio."}]},{"_id":"N7UUXAD4EBCY3D7RHGGV6DV6JQ","type":"text","content":"Stash gives away free fractional shares through what it calls Stock Parties. However, don't get too excited. On June 5, for example, Stash gave away $10,939 of Disney stock. But about 96,000 Stash customers split the pie. That's about 11 cents of Disney stock per person."},{"_id":"DYHOYQCFWFA2PDX337ZJHTE24E","type":"text","content":"Smart Portfolio, the prebuilt robo-advisor investing option, rebalances your investment allocation each quarter and when you contribute or withdraw. But it doesn’t offer any sort of tax-loss harvesting or prebuilt socially responsible investing options."},{"_id":"USO5KONAHFCQHHOYLIKYFQEIE4","type":"text","content":"You’ll also pay an Automated Customer Account Transfer (ACAT) of $75 to move your funds to another brokerage."},{"level":2,"_id":"ANO7OPMNSZGJ3OIPHTPG3Z5F7Y","additional_properties":{"id":"h-stash-review-where-it-shines","class":["wp-block-heading"]},"type":"header","content":"Stash Review: Where It Shines"},{"_id":"IU5PE6EYOVC2FJGVKAAJA5C3MI","type":"text","content":"Here are some of the areas where Stash excels:"},{"list_type":"unordered","_id":"E4VJHXNMWNCYHHXHCRHD4TLJGQ","type":"list","items":[{"type":"text","content":"Manage your own investments, automate them or blend both. A typical robo-advisor doesn't offer the opportunity to manage your own investments. You're stuck with the prebuilt portfolios that the company offers. With Stash, you can invest on your own and via the automated Smart Portfolio."},{"type":"text","content":"Access fractional share investing. Those who are investing in the tens, hundreds or low thousands of dollars often rely on fractional shares to invest in a balanced portfolio. Fortunately, Stash offers the opportunity to do so."},{"type":"text","content":"Build an investing habit. Money expert Clark Howard loves behavioral economics. Anything that gets people in motion toward saving for retirement in a consistent, automated way is a good thing."}]},{"level":2,"_id":"UQJ3OOL7UVBEBNFL6B44VP2ZWE","additional_properties":{"id":"h-stash-review-where-it-falls-short","class":["wp-block-heading"]},"type":"header","content":"Stash Review: Where It Falls Short"},{"_id":"BTYF3IZZ4JHUHCRK4IQRLDM52A","type":"text","content":"Here are some of the areas where Stash falls short:"},{"list_type":"unordered","_id":"3EYK3XLJFJCTJJAJQJHJ4WHLUM","type":"list","items":[{"type":"text","content":"Expensive fees. Unless you're pouring four figures into your Stash investment account each month, you're likely losing money via fees. It's relatively low consequence though. If you're investing just $300, even a high annual management fee isn't going to amount to life-changing money. But just as it's good to get in the habit of investing early, it's also important to prioritize low fees, not high ones."},{"type":"text","content":"No human advice. New investors may not feel comfortable navigating this online-only, automated, every person for themselves world. It's typical of a fintech, so we're not singling out Stash here."},{"type":"text","content":"No tax-loss harvesting or automated IRA investing. Clark loves, loves, loves automated investing. He's also obsessed with the Roth IRA. He'd rather you open a Roth IRA somewhere that allows you to invest automatically."},{"type":"text","content":"Reports of poor customer service. Stash scored just 1.4 out of 5 via TrustPilot on a high volume of reviews (nearly 750). Some common issues expressed include trouble withdrawing money and difficulty getting a customer service agent to engage and help. To be fair, Stash offers phone support Monday to Friday from 8 a.m. to 8 p.m. ET and Saturday to Sunday from 10 a.m. to 5:30 p.m. ET."}]},{"level":2,"_id":"H23RI4LJY5HNJOTPAL6MFZT7RE","additional_properties":{"id":"h-who-should-use-stash","class":["wp-block-heading"]},"type":"header","content":"Who Should Use Stash?"},{"_id":"F2EQZNZK5FFZLINQYQQHIKEWG4","type":"text","content":"Do you identify with any of these groups of people? If so, Stash may be a great investment option for you."},{"list_type":"unordered","_id":"V4FTKSD4KBD45L2P6GWWYI3BKM","type":"list","items":[{"type":"text","content":"Novice investors. Stash can be a good starting point to build the habit of investing. Going from $0 saved toward retirement to managing your own investment portfolio can be daunting. Dipping into the shallow end of the investing pool and getting more comfortable through automated investing can help."},{"type":"text","content":"Bad savers. Do you spend every dollar of your paycheck and then find your bank account sitting empty until next payday? This sort of \"forced\" saving mechanism may be good for you."},{"type":"text","content":"Passive investors with $10,000+. To overcome the cheapest tier's $36 annual fee and break even vs. other robo-advisor options, you'd need to put nearly $15,000 into your Stash account."}]},{"level":2,"_id":"4IZLXQTXTFEQDAWEU7PMJ5E2SY","additional_properties":{"id":"h-stash-alternatives","class":["wp-block-heading"]},"type":"header","content":"Stash Alternatives"},{"_id":"JSEWAK33UVHYNDUUQAV46QKSFE","type":"text","content":"Acorns is the closest competitor to Stash that I’ve reviewed. The price range for Acorns also is $3-9 per month. The two services offer similar features. I find Acorns to be more streamlined. So unless you want specific features that Stash offers, it may be the better choice of the two."},{"_id":"KS2MTWSU6NB7FOR6IW5Z37TORQ","type":"text","content":"I personally would not use Acorns or Stash due to the fee structure."},{"_id":"3LKDRKTHNBEYDNAVJJ2V2QL534","type":"text","content":"I've already mentioned Betterment and Wealthfront as our favorite robo-advisor options. Unless you're pouring tens of thousands of dollars into your Stash account each year, chances are you're losing on fees. Those two companies also provide significant budgeting and retirement goal software."},{"_id":"R3CXZQXJRJHMXPK73JVXXAZCB4","type":"text","content":"Stash offers some educational reading material that appears appropriate for beginning investors. However, if you need serious advice from a real human, consider a fiduciary financial advisor or a hybrid advisor."},{"_id":"XOSQAJJXTZC4DK256BR2MBYUPQ","type":"text","content":"All of Clark’s favorite investment companies — again, Fidelity, Schwab and Vanguard — offer some level of automated investing."},{"level":2,"_id":"Y36IVMIMVRAVDGLOIRSA6LXVWM","additional_properties":{"id":"h-final-thoughts","class":["wp-block-heading"]},"type":"header","content":"Final Thoughts"},{"_id":"TWVG2W6WGZGPJCYUKEA62BNJN4","type":"text","content":"If you haven’t started investing for retirement and the idea of putting some loose change into a Stash account every time you use your debit card is much less intimidating than, say, opening a Vanguard account, by all means, go for it."},{"_id":"VPPV6X2XDNAGDOMRWQWC5E2LIA","type":"text","content":"Even if you’re putting in $200 a year and losing $36 on the fees, if it’s teaching you the habit of investing, it will be worth it."},{"_id":"74OTU7KNBZA2TDJCJ5SL44EUPA","additional_properties":{"href":"https://clark.com/personal-finance-credit/investing-retirement/stash-review/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER"},"type":"interstitial_link","content":"This article was originally published on Clark.com","url":"https://clark.com/personal-finance-credit/investing-retirement/stash-review/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER"},{"_id":"QPBL2A54IZGRDFQAD2J4IKN62Q","type":"text","content":"The post appeared first on Clark Howard."}],"display_date":"2024-06-25T02:23:46Z","credits":{"by":[{"org":"Clark Howard","name":"Christopher Smith","type":"author"}]},"subtype":"Wire","headlines":{"basic":"Stash Review: How It Works, Pros & Cons"},"first_publish_date":"2024-06-25T02:23:46Z","taxonomy":{"primary_site":{"path":"/news/business","parent_id":"/news","name":"Business","description":"Atlanta business news, Georgia company news, blogs and videos from The Atlanta 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updates"},"navigation":{"nav_title":"Business"},"inactive":false,"node_type":"section","_website":"ajc","name":"Business","_id":"/news/business","ancestors":{"AmpNav":["/"],"default":["/"],"MainMenu2024":["/"],"BottomNav":[],"TopNavRedesign":[],"SectionMap":["/"],"MainMenuRedesign2021":[],"subnav_news":["/"],"ComposerNav":["/news"]},"order":{"AmpNav":2006,"default":2006,"MainMenu2024":1003,"SectionMap":1068,"subnav_news":1005,"ComposerNav":2008}}},"_website_section_id":"ajc./news/business","type":"section","version":"0.6.0"}],"primary_section":{"path":"/news/business","name":"Business"},"tags":[{"text":"clark"}]},"type":"story","last_updated_date":"2024-06-27T02:30:49.635Z","promo_items":{"basic":{"width":150,"type":"image","distributor":{"mode":"reference","reference_id":"19e74e53-bba3-4c5d-a445-1a2a4a7cd2fe"},"url":"https://cloudfront-us-east-1.images.arcpublishing.com/ajc/EFA7563C5BP2HKXAEKX63YOP5A.jpg","height":150}},"canonical_url":"/news/stash-review-how-it-works-pros-cons/TFB2VECEDFCZBN2JEKWTXUBOR4","_id":"TFB2VECEDFCZBN2JEKWTXUBOR4"},{"content_elements":[{"_id":"7TCPPYQEERBVPDBQKOAW5OWA2Y","additional_properties":{"inline_comments":[],"comments":[],"_id":1594090779652},"type":"text","content":"Except for being in the same state, three Georgia cities vying for the prestigious Sundance Film Festival don’t have a lot in common in size, reputation or feel."},{"_id":"IY64JYFY6BDORG7T6QGHHZCTJY","additional_properties":{"inline_comments":[],"comments":[],"_id":1716907899722},"type":"text","content":"Atlanta, by far Georgia’s largest city and the state capitol, is diverse, business friendly and both the Hollywood and hip-hop center of the South. Athens is dominated by the University of Georgia, its football team and a vibrant local arts and music scene. Savannah is a massive tourist draw for its Southern Gothic feel, Spanish moss, fine food and pretty waterfront."},{"_id":"T62CR6TNYRFKHM2E63AHLDUJLY","additional_properties":{"inline_comments":[],"comments":[],"_id":1716907899723},"type":"text","content":"Here are comparisons, some of which the Sundance committee will consider as it ponders possibly moving from Park City, Utah in 2027. There are 15 cities in consideration nationwide, including these three cities."},{"_id":"N7U2OIX5MFBPDMXFITQLXPD2EU","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163139},"type":"text","content":"EXISTING FILM FESTIVALS"},{"_id":"BPUT2KHDC5AWDLLWUHI3MJFA3M","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163140},"type":"text","content":"Atlanta: Atlanta Film Festival, Atlanta Underground Film Festival, Atlanta Jewish Festival, Out on Film, BronzeLens Film Festival, et. al"},{"_id":"7VS4SPULH5AN7CUMGXDC7H65VY","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163141},"type":"text","content":"Athens: Athens Film Festival (debuting in 2024), Athens Short Film Festival, Athens Jewish Film Festival, EcoFocus Film Festival"},{"_id":"TDQF6PFJORCAZG27KW43FJJGS4","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163142},"type":"text","content":"Savannah: SCAD Savannah Film Festival, Mountainfilm Savannah, Savannah Jewish Film Festival"},{"_id":"CARJDQDR7ZBLHLTWBEICOFUDVM","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163143},"type":"text","content":"Park City/Salt Lake City: Slamdance Film Festival (besides Sundance)"},{"_id":"MCWHK27I6VCYZJTRTNHDCPW7GM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719326963467},"type":"text","content":"NOTABLE CELEBRITIES FROM EACH CITY"},{"_id":"DM7LJIOMCBDT7O4UBROCYW5XW4","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163189},"type":"text","content":"Atlanta: Chris Tucker, Jeff Foxworthy, Holly Hunter, Julia Roberts, Ryan Seacrest, Ludacris, T.I., Andre 3000, Zac Brown, Spike Lee"},{"_id":"6G4JOX3KQVHKTG7SL2KFXCC2OI","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163190},"type":"text","content":"Athens: Tituss Burgess, NeNe Leakes, Herschel Walker, Kim Basinger"},{"_id":"QDPKRA2RYBEXNLZYIK4LX7HS5I","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163191},"type":"text","content":"Savannah: Big Boi, Billy Currington, Johnny Mercer, Stacy Keach, Flannery O’Connor, Cindy Wilson of B-52s"},{"_id":"GM7BMVC4YZH4FKAHN4GUP6T3LY","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163192},"type":"text","content":"Park City/Salt Lake City: Roseanne Barr, Derek and Julianne Hough, Wilford Brimley"},{"owner":{"sponsored":false,"id":"ajc"},"address":{"street_address":"Stone Montain park","locality":"Stone Mountain","region":"Ga"},"syndication":{},"auth":{"1":"30d00d7532bc8b3d93b7be782277d6c1321d56876e3d4dcb3625b6cd471d88da"},"caption":"Celebrities from Georgia include actor/comedian Chris Tucker, chef Paula Deen, actor Tituss Burgess and comedian Jeff Foxworthy.","source":{"system":"photo center","name":"AJC","edit_url":"","source_type":"staff","additional_properties":{"editor":"photo 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Mountains here are largely for hiking."},{"_id":"DP2FU4Q7EBC3BIDICQ2E35KTQA","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163163},"type":"text","content":"City of Atlanta: Stone Mountain, topping at 1,686 feet above sea level"},{"_id":"4DR3BQBIFZGVXGMOFQTFK27FNM","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163164},"type":"text","content":"City of Athens: Nothing really close by. It’s at least an hour drive to notable North Georgia mountains like Yonah Mountain and Black Rock Mountain."},{"_id":"7CEW2TVVRBED7NZLH2FCCC6PWY","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163165},"type":"text","content":"City of Savannah: None. It’s pretty darn flat. No real mountains anywhere."},{"_id":"IMPP534KSJFIJCGYZZP6LXIES4","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163166},"type":"text","content":"Park City: There are 7,300 acres of skiable terrain at Park City Mountain with a summit peak of just over 10,000 feet."},{"_id":"WM4HSXSUHNHRHEILYXIOVMLI3E","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163167},"type":"text","content":"WEATHER IN JANUARY"},{"_id":"LN2ABDWWI5FDJHARZV6RKKFEMQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163168},"type":"text","content":"Atlanta: average high 52, average low 34"},{"_id":"MIKW5XKSRJG53IAQT2HXQXWUPI","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163169},"type":"text","content":"Athens: average high 53, average low 33"},{"_id":"C2RFFVCIUZCYDHPRTY5RBSAKOA","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163170},"type":"text","content":"Savannah: average high 61, 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NOT"},{"_id":"M2ZYJX46WFE6TLPQHLHPXR2VL4","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163199},"type":"text","content":"Atlanta: Hub of civil rights movement, Dirty South hip hop culture, corporate headquarters to Coca-Cola, Delta, Home Depot, heavy tree canopy"},{"_id":"7REN7F2A7RHG5D3LGC63OUVKWM","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163200},"type":"text","content":"Athens: Big college town, active bar scene, lots of artsy local businesses, cool local music"},{"_id":"E7CFP37NYVFP3OHMXTU2KK53YQ","additional_properties":{"inline_comments":[],"comments":[],"_id":1716928163201},"type":"text","content":"Savannah: Lovely beaches, ties to “Forrest Gump” and “Midnight in the Garden of Good and Evil,” massive presence of SCAD, the city’s picturesque historic squares"},{"_id":"GPH4XGWL3RBR5HGSYQKCHNOLWM","additional_properties":{"inline_comments":[],"comments":[],"_id":1719327108829},"type":"text","content":"Staff writers Adam Van 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\nSource: US Mobile"},{"_id":"DHYVBKXNCRCGPNALEWEARNHGVU","type":"text","content":"The first two network transfers are free on any US Mobile. After that, it'll cost $2 per transfer unless you're on the Unlimited Premium plan. The Unlimited Premium plan includes unlimited free transfers, although you can still only transfer networks eight times per billing cycle."},{"_id":"CZLGOKPAIZCSHJGMYFDSTHWJ2M","type":"text","content":"You can learn more about US Mobile's current network options and features here."},{"_id":"OFHOL7V2DNACLBPS6C7NP62Z74","type":"text","content":"Are you a US Mobile customer? 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