Socialsecurity IdaMayFuller

Social Security Week… Woo-Hoo!


Comments

socialsecurity_IdaMayFullerAs you know, last week was the 2nd annual “National My Social Security” week.  Who’d you go as?  As always, I dressed up as Ida May Fuller: the very first recipient of Social Security.

Back in 1935, Social Security was enacted to provide a little sumthin’ sumthin’ for the elderly and poor.  Contrary to what many think, it is not meant to fund your retirement.  It is only meant to help you get by.

Go to SSA.gov to see what you could have coming.  When you check out your stash, keep in mind that your estimated benefit is a future-dollar that will not stretch as far as today’s dollar.

For example, let’s say that in 20 years, you were going to collect $2,000 a month at

Read More

CapOneMoneyBox Only Sm

My Latest $590.14 Windfall

CapOneMoneyBox-Only_smRemember that frivolous World Series of Poker tourney I played in last month? As I wrote in A Colossus Breakdown, WSOP-style it cost $565 to enter. I splurged 565 BUCKS on a long-shot. How did I justify doing that?  Would you like that kind of MAD MONEY? With a little planning, here’s how you can get that much tax-free money to blow with a clear conscience.

Right now, get 2% cash back on everything when you use Capital One’s Spark Cash for Business credit card.  Its current promotion gives 50,000 Bonus No Hassle Rewards points if one spends $4,500 in the first three months the card is open.  That’s a lot of dough, but I knew I had some big bills coming up.  I got the card and spent $4,507.21.  When my statement dropped, I received 2% cash back on those purchases ($90.14) PLUS the 50,000 bonus points ($500).

That’s a grand total of $590.14 for using a credit card to pay for things that I otherwise could have paid for with cash or a check. Read my 11 Ways To Meet A Spending Requirement.

If you’d like your own windfall, click on Chip’s Favorite Credit Card Offers then “Business Cards” to get all the info and to apply. Email me if you have any questions. You may already be a “business”.  Check out How To Fill Out A Business Card Application.  Here’s my card’s screenshot:

CapOneSparkBizcash

Read More

House Money

How To Lower Your Property Taxes


Comments

When you owe more on something than it’s worth, you are “upside-down”.  If this describes your home, fear not.  There’s an upside to being “upside-down”.

Get the Tax Man to reassess your property’s value and thereby lower your tax bill.

My buddy JT had his home’s value reviewed.  The Assessor came back with an even lower value than what JT hoped.  He saved over $1,000 in property taxes.  Remember, that is after-tax money.  In his case, that was more like what is left after paying taxes on income of $1,500.

I dunno what goes on in your parts, but here is information about the appeal process in Los Angeles, where property owners are allowed to appeal their value between July 2 – Nov. 30.

Contact your local assessor and turn those lemons into a half full glass of lemonade!

Uber 20percentOff

20% Off Every Uber Ride


Comments

Uber-20percentOffDo you use Uber?  If yes, you will get 20% back as a statement credit thru April 30, 2016.  All you have to do is hook up your Capital One Quicksilver Cash Rewards card to pay for your rides.  No sign ups, no codes.  Just choose to pay for Uber with your Quicksilver card.

An Uber virgin?  Click here to get $20 off your first ride.  Read my Uber review.

If you don’t yet have the Quicksilver card but want in on this hot 20% off action, click on Chip’s Favorite Credit Card Offers then “Cash Back” to get all the info and to apply. Email me if you have any questions.

The Quicksilver card always pays 1.5% cash back on ALL purchases.  It never has an annual fee.  No foreign transaction fees.  Right now Quicksilver has a promotion that will pay you a $100 bonus if you spend $500 on the card within the first three months.  That is very easy to achieve, as you will see here: 11 Ways To Meet A Spending Requirement.

The $100 bonus and all of the 1.5% cashback proceeds are technically rebates and therefore tax-free.  And now, please enjoy The Steve Miller Band…

Read More

CapOne360Save500

Up To A $500 Bonus From Capital One 360 Savings


Comments

CapOne360Save500

New to Capital One 360 Savings?  If yes, you can earn up to a $500 bonus.  That stack o’ cheddar is in addition to a great everyday rate, currently at 0.75% Annual Percentage Yield/APY.

Capital One 360 Savings is fee-free.  There is no minimum to open or keep a Capital One 360 Savings account, but you will need to meet the thresholds below to earn a bonus.  Click here to open a Capital One 360 Savings account.

What do I need to do to get my bonus?

Just follow these few simple steps:

Read More

Car 16 Years 176700

My Car Can Drive Itself


Comments

Car_16_years_176700-cropped-mileageMy car can drive itself.  Well, it could, if it were human; and had its license.  In other words, my car is 16.

I don’t cotton to car payments.  I’ve had two cars in 29 years.  As I said in My Hooptie’s Total Recall, my first car ran for 13 years and 328,536 miles.  My 1999 Infiniti just turned 16 and 176,700 miles.  It’s just getting broken in and looks pretty sweet.  Thankfully, I don’t live where rust never sleeps.

About a year ago, I cancelled the Collision portion of my insurance coverage.  So, please don’t hit me.

My insurance agent said my car falls in the “classic/antique car arena”.  What tipped him off, my cassette deck?  My Thomas Guide map in the glove box?  A glove box?

He said it would be worth about $1,000 if totaled.  Well, that is my deductible, sooo… This must be what it feels like to stop taking a medication and start greeting every day as a gift.

Lots of folks assume any 16 year old car must always be in the shop.  In the three

Read More

3

3 Delta Bonuses Expire Tomorrow Night


Comments

3The jacked-up bonuses on THREE Amex Delta Rewards cards expire tomorrow, June 30th.

Click on Chip’s Favorite Credit Card Offers then “Airline Miles” to get up-to-date info on these cards and to apply. Email me if you have any questions.

On the personal AND business cards, get 50,000 Delta SkyMiles after spending $2,000 in 3 months of card opening.  That’s an average of only $22/day.  Use the credit card to pay bills that you otherwise would have paid using cash or check.  Use the miles to take free round trips!  Check out: 11 Ways To Meet A Spending Requirement.

Read More

TDAmer 100 100 Square

Updated 5% Cash Back Categories (+$100 Bonus on TWO Cards)


Comments

If you’re going to purchase something you need, and someone is willing to pay you tax-free cash for doing so – I say let them!

Check out these cash back cards. Right now, Chase and Citi sweetened the deal with $100 bonuses!

Here’s the scoop: Chase, Citi and Discover have credit cards that never have an annual fee and always give 5% cash back in certain categories.  The categories change every three months.  We can use these cards to get up to $900 cash back every year – without changing our spending habits.  That cash back money is tax free.  It adds up!

Instead of using cash, use these cards, get 5% cash back, and then pay off your bill with the cash you were going to spend in the first place.

Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on these cards and more.  Email me if you have any questions about which card might be right for your situation.

Here are the new categories:

Read More

ABC – Always Be Closing???


Comments

“Is it smart to close a credit card? If yes, when?”  That’s the gist of emails I received recently from Brad, Jan, Sam, and Tony.  Here’s what I do.

I try out a lot of different cards.  If I decide that I no longer want to keep a card after trying it out for a year, I do three things before cancelling.

  1. Call the number on the back of the card and ask if they will waive the annual fee for another year. If no…
  2. Ask if they have a free version of this card. Many do.  That keeps the card’s credit history alive.  If no…
  3. Ask if they will transfer the credit line to another card that I have at their bank. My experience is that they usually move all but $500 of the credit line.  This keeps one’s current available credit limit amount over all your cards at their bank virtually the same – even if you cancel the card.
  4. If I strike out on all three options… only then do I cancel the card.
Read More

Chip6kMan By Croston Sm

A Colossus Breakdown, WSOP-style


Comments

chip6k (by Croston)250As Travolta said in Saturday Night Fever, “You know what I wanna do?  Strut.”  No humble-brag here.

Over the weekend, I was in Las Vegas at the World Series of Poker.  I played in The Colossus event. With a field of 22,374 entries, it set a world record for the largest single poker tournament event ever held.

22,374 entrants. I beat 22,005 of them. I came in 369th. That paid $6,331.  I’m the Six Thousand Dollar Man!  Bettor, stronger, faster. One doesn’t usually crow about finishing 369th in anything, but that’s the top 1.6%.

See the video below (shot by my friend The Coaster) when they announced that we made it into the money during Day Two.

Affording A “Bucket List” Item

bucket-listI like playing poker, but plunking down a $565 entry fee + hotel + travel is an expensive, if not frivolous undertaking.

If you have a Poker Tournament, Scuba Trip, or Ski Vacation on your Bucket List, here are some tips as to how you might be able to afford it.

This is what I did to make it happen:

 

Read More

Page 1 of 3312345»102030...Last »