$200 From TradeKing


TradeKing$200I hear ya: What the heck is a “TradeKing” and how many are there in a bushel?

TradeKing is a brokerage house (place to buy and sell stocks and funds).  They’re celebrating 10 years in business with this sweet promotion for new accounts.

All you have to do for the $200 is:

It’s only $4.95 per trade. Even if you only did 3 trades, you’d still be up $185. If you got a tax refund, open the account, deposit $3K and make a few trades. I have an account here. It’s legit. FINRA member and SIPC insured. You gotta click to collect!


Dude, Where’s My Refund?



I filed my taxes yesterday, so… Dude, where’s my refund? Don’t bogart my bucks! The only thing better than getting a tax refund is knowing when you will get it. Pop over to

It’s very user-friendly. Yes, I am suggesting you spend some of your free time browsing the Internal Revenue Service website. Do I know how to have fun or what? Don’t harsh my mellow.

Fistful Of Dollars

Here’s Where You Can Shove Your Tax Refund


fistful_of_dollarsMany of us are about to get back the “no-interest loan” we gave Uncle Sam.  Generally speaking, that’s what a tax “refund” is.  If you don’t have debt to pay down, you might wanna put a fistful of those dollars in your checking account – and fuhgeddaboudit.

Most checking accounts these days are not free unless you jump through hoops.  Banks vary, but you usually have to pay at least $10/month unless you have a daily balance of about $1,500.  You should not have to pay ANY monthly fees to have a personal checking account.  I never have.

People don’t think of it his way, but the money you pay for a checking account is usually after-tax money.  You might have to earn $200-$300 at your job to have enough money left after taxes to pay your bank $150 in fees – every year.  That adds up!

Make the best of your tax refund.  If you already have free checking and no debt, start building that Emergency Fund.  EverBank’s Yield Pledge Money Market Account pays 1.40% guaranteed for six months on balances up to $50K. I’ve had it. FDIC & legit.  And a pretty sweet rate!

Cardpool Home Depot Savings

How I Saved $217.59 in 5 Minutes


Cardpool Home Depot SavingsI hate coupons for individual products.  My brain melts when I have to find the 14.627 ounce size of pomegranate toothpaste with menthol to get half off.  The occasions on which I have tried being a coupon-clipper, it seems like I spend 4 times as long in the store, hunting for the thing that will save me $1.50.  I HATE IT!

But… I LOVE a nice discount off my OVERALL purchase.  That’s easy.  I buy what I actually want and get a discount off the top.  Done!

I have to spend over $1,000 in home improvement materials.  Here’s how I saved about $217.58 in 5 minutes.  That is over 21% off, after any discounts in price for things on sale!  Pretty sweet.

Read More
TDAmer 100 100 Square

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


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


How Many Days Old Are You?


100yearoldladyWe all have a friend or relative who sends us stupid emails.  Let’s face it, I may be that person.  When I see their email in my Inbox, I reach for the delete key as I scan the subject for a last second reprieve.  I just got a diamond in the rough!

Here’s a site that will tell you how many days old you are.  I’m over 17,000 days old!!  How much would you have if you saved a measly buck every day of your life?  What if you socked away $5 or $10 per day?

If you like this idea, here’s a good place to stash your cash: EverBank’s Yield Pledge Money Market Account pays 1.40% APY guaranteed for six months on balances up to $50K. I’ve had it. FDIC & legit.

You need $1,500 to open it.  Kickstart your account with your tax refund!

Frugal Hoosier Manager

The Frugal Hoosier


Frugal Hoosier Manager

Sorry about the break in posts, I was shooting an episode of the ABC sitcom “The Middle”.  I play Clark, manager of the Frugal Hoosier grocery store.  My worlds collide.  Typecasting!  You know I had to dig deep to research this character.  I’m a Buckeye, for crying out loud.

The money tip here is a reminder for you Chase Freedom cardholders.  You have the rest of this month to get 5% cash back at grocery stores with that card.  Details in my post “A Pretty Quick $57”.

Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on this card. Email me if you have any questions.

Cardpool Raise Logos

How I Bought A New Computer & Sold My Old One


I needed a new computer, but I didn’t have a guy.  Do you have a guy?  I don’t have a guy.  Then it occurred to me that my union may have the hook-up to get a computer at a discount.  So I called SAG-AFTRA and voila – they’ve got a guy!  Well, a website.

Step One:  Buying Through Your Hook-Up

working advantage logo-smIf I signed into, and plugged in my union’s code, I could go to Dell and get a computer at a discount.  The price was discounted 11%.  That was $90 off.  This brought the price down to $750.

The Takeaway:  Check with your employer, union, or social organization to see if they have any such hook-up before making a large purchase.

Step Two: How To Pay For The Stuff

Cardpool+Raise LogosYou can buy gift cards to stores (including Dell) at a discount.  Raise, Cardpool, Gyft, GiftCardRescue, and MonsterGiftCard are companies that buy and sell gift cards.  They buy your unused or partially used gift cards for less than face value, and turn around and sell them for more.  It’s a profit deal.  Stores will also provide cards to the discount gift card companies too.  The discount gift card companies make a profit, even though they sell the gift cards to you at a discount – below face value.  To you, it is an automatic discount.

Read More
William Wallace Braveheart Sm

A Pretty Quick $57


william_wallace_braveheart-smFreedom!!!!!!!!!!!!!! That was my William Wallace impression.  Your thoughts?

The Freedom card from Chase can get you a pretty quick $57 in tax free cash.  As you may know from reading this post, this quarter’s 5% category for Chase Freedom includes grocery stores.  If that card is not your #1 go-to card, get the card out of your sock drawer and pop over to your grocery store’s gift card kiosk.  Grab three Visa or MasterCard gift cards and head to the check out.  Tell the cashier you want to put $500 on each gift card.  She may think she misheard you or that you are a crazy person.  Yeah, crazy like a fox who is about to have enough extra cash to graze on some organic, free-range chickens!  Pay for the gift cards with your Chase Freedom card.

Just like that, you have maxed out the 5% quarterly spending on your Freedom card.  The $1,500 grocery store purchase will result in 7,500 Chase Ultimate Rewards points hitting your account when your statement drops.  Those points can be redeemed for $75 cash, a statement credit on your Chase Freedom bill,  or merged into another Ultimate Rewards card tally that you may have on another card (like Sapphire or Ink cards).

Read More
Debit Card

The Debit Card I Use For 2 Things


debit_cardAs a rule, I don’t use a debit card because it gives direct access to my bank account.  If someone stole my debit card info, they could access my cash.  A credit card puts a firewall between hoodlums and my money.

I make an exception with the UFB Direct debit card because it gives me 1% cash back on whatever I PAY my credit card company.  That means I will earn several hundred dollars a year paying off my credit card bill with this debit card instead of a check.  I only use this debit card to pay off my credit card bill and one other thing.

Here’s the scoop.  UFB Direct has a special VIP, double-secret, pinky-swear offer.  If

Read More
Page 1 of 3212345»102030...Last »