i ' ve heard you are something of a sheiko specialist around here ? Yeah just a bit of a sheiko nerd . I ' ve been running his programs and then my own adaptation of the method which I refer to as The Polkov Method since 2012 and I was even coached by Boris for 6 months . Old or new versions ? You can compare the volume on the various spreadsheets available online . The newer ones are better balanced and make a little more sense due to some of the old ones being badly translated but in terms of what is best for you then it ' s a matter of how well you handle volume . <| sep |> Not really . retail is $ 27 , $ 40 is 13 <| sep |> Maar dat is het ook niet altijd . Een heleboel krijgen ze gewoon ongevraagd thuisgestuurd . <| sep |> Tangerine is pretty great . No fees , 1 % cashback on every purchase , 2 % back for three selected categories , deposited into your bank monthly . Is there a better no fee deal than that ?