Salvation Army Bell

Sweet Charity (Giving Tuesday)


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We have Black Friday, Small Business Saturday, Cyber Monday, and now Giving Tuesday.

Being charitable is a good thing – especially if it will get the guy next to the red kettle to stop testing your eardrums with his bell.

Some people “tithe” – which is giving 10% of one’s income. It’s like God is their agent and that is his commission. I can hear Him now, “I put you in America, how about a little something for the effort? Thank you. Me Bless.”

We hit the lottery just by being born in the good ole US of A.  Everything else is gravy.  Still, some folks here have legitimate needs.

It’s great to do things for charities. If you were looking for ways to be able to give more to charities, I have a few suggestions that have worked for me.

  1. I have a savings account at my bank that I call my “Donation Fund”. Every month I have an automatic transfer from my checking to that fund. If your bank won’t give you a free interest bearing account, set one up at Capital One 360 Savings (.75%).  That pays interest, has no minimums and no monthly fees. EverBank (1.40% the first 6 months, 1.01% for the first year) requires $1,500 to open the account.  It’s amazing how fast those funds will grow!
  2. Now that I have my Donation Fund, when I get a request to Save The Tatas, Bike
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Resturant

TODAY Only – $3 for $25 Restaurant Certificates


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restaurantsdotcomREDEveryone eats, right?  Here is a perfect stocking stuffer / Hanukah gift idea.  Today only, you can buy a $25 restaurant gift certificate for $3.  Code “CYBER”.

I’m a late-adopter of Restaurant.com because it sounded too good to be true. Then I received $25 and $50 gift certificates from friends. Even though the gift certificate said that alcohol was not included, when I called to make a reservation, the restaurant/bar said alcohol could be included – so ask.

A few months ago, I picked up three. I decided not to use two of them. Both were credited back to my Restaurant.com account as two $25 credits. I can use those credits to buy a combination of $10, $15, or $25 gift certificates to ANY Restaurants.com restaurant.

So, buy certificates now at the $3 special offer.  Enjoy the restaurants you chose, or use that work-around to go to different places that they offer.

You can search by zip code or city. Certificates do not expire. This deal ends when “Cyber Monday” turns into “Regular Ole Tuesday”.  Click to get some now!

SmallBusinessSaturday ShopSmallCircle Smaller

Shop Small in ON – Get Out There!


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SmallBusinessSaturday-ShopSmallCircle-smallerAmerican Express’ VERY GENEROUS Small Business Saturday promotion is happening right now – November 29th. If you have already registered your cards, remember, they have juiced the prize! You can get up to three $10 statement credits per registered card.

I really like this promotion because it is a win-win for small businesses and consumers. Basically, Amex is buying you something at your local businesses.

Check out the map of participating shops at ShopSmall.com.  Get all the nitty-gritty here. Spend $10 or more in a single, in-store transaction at a qualifying small business location on Saturday, November 29, 2014. Do that three times per card for three $10 credits.

If you don’t have time to shop the Mom & Pops

Do what I do. Walk into your favorite participating restaurant that has gift cards. Have them charge each of your registered Amex cards three times for $10 per transaction. Total up the transactions and have them throw it on one gift card for future use.

You give business to the businesses – AND YOU GET FREE STUFF. It’s a win-win!

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CapOne360BF1

Get $100 + $100 at Capital One 360 “Sale”


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CapOne360BF1Now through Monday night ONLY, Capital One 360 will give you a $100 BONUS if you open a 360 Checking account and a $100 BONUS if you open a 360 Savings account.  Click on the links to learn more and open your accounts.

I have both of these accounts.  Once you meet the requirements (below) for the bonuses, there are No Minimums. No fees. No tricks. No brainer.

Black Friday is about deals.  Where else can you actually earn $200 in ten minutes today?

When you get back from the jungle of credit card wielding, sleep-deprived bargain hunters, reload your bankroll!

Let me know if you have questions. Details here:

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Uber GiveRidesGetRides+logo+30

Uber’s “$30 Free Ride” Is Ending


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Uber - GiveRidesGetRides+logo+30+CMTUber’s $30 sign up bonus for newbies ends this Saturday night.  If you have not signed up yet, click here to sign-up for Uber.  Then you will get $30 off your next ride. I will too, but his isn’t about me.  It’s about you, right?  The $30 bonus will drop to $20 when your chariot turns into a pumpkin Saturday night at midnight.  Sign up now and use the free ride later!

As I said in my review of Uber, there may be times when you should leave your car and grab a cab.  Grabacab is also the name of my favorite Genesis song.  That’s GOLD!  What, I can’t repeat my jokes?  C’mon, the Rolling Stones still play Satisfaction every show.

Go on now, git!  Here’s that fancy link that will get you $30 off your next ride.

Get $225 By Spending $500


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225 dollarsWould you spend $500 to get $225 tax-free cash back?  For a limited time – you can!  Chase just increased the sign-up bonus on their Freedom card from $100 to $200 cash back.  They also sweetened the pot with an extra $25 if you add an authorized user.  The card has 0% interest on purchases and balance transfers for 15 months.  See details below.

This is the Visa that I carry in my wallet.  It never has an annual fee.  You always get 1% cash back on everything.  You get 5% cash back on various categories that change every three months.  For example, now through December 31st you get 5% cash back at Amazon.com, Zappos and these Department stores.  January 1- March 31st, it is grocery stores, Starbucks, and movie theatres.

To get the bonus, you need to meet the $500 spending requirement in the first three months your account is open.  That might be pretty easy to do by just paying your phone, internet and cable bills.  $500 in three months is an average of only $5.55 per day.  Like I said, it’s pretty easy to achieve.

Remember, you don’t have to give a card to an authorized user.  You just have to give a name that gets printed on a card for the authorized user to use.  Maybe you get one for the President or First Lady.  It’s your call.

Read my post 11 Ways To Meet A Spending Requirement for some  helpful ideas.  Click on Chip’s Favorite Credit Card Offers and then “Cash Back”.  Email me if you have any questions!
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Amex SmalBizSat3x10 2014

Small Business Saturday – Register Now!


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Amex - SmalBizSat3x$10 - 2014Oh, it’s on.  As of now, you can register your American Express credit cardsssssss (that’s the super-plural) for Small Business Saturday.  Do it at ShopSmall.com.  You can get $30 in statement credits per card.  Read my post $240 for Hooters and Me for more info and how I do it – quickly.

This is a great win-win. Basically, Amex is buying you stuff at small businesses on November 29th.  If you don’t have an Amex card but want in on some of this hot, free-money action, you still have time.

Which Cards Work?

I’m a fan of the Delta Airlines & Starwood hotel and travel cards.  Click on Chip’s Favorite Credit Card Offers for more info.  Email me if you have any questions. Some of the cards that qualify are:

  • Gold Delta SkyMiles® Credit Card
  • Starwood Preferred Guest® Credit Card
  • Amex EveryDay Credit Card
  • Amex EveryDay Preferred Credit Card
  • Blue Cash Everyday® Card
  • Blue Cash Preferred® Card
  • Platinum Card® from American Express
  • Premier Rewards Gold Card
  • TrueEarnings® Card from Costco
UFB125 Combo2

1.25% at UFBDirect


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UFB Direct has made a big leap in interest rates on your cash.  To get the 1.25%, you have to have at least $25,000 in the account.  If you don’t have $25K, you will only earn .2%.  In that case, you’d be better off leaving it at Capital One 360 Savings where you get .75% on every penny.

If you have $25K, click here for more info on the UFB Direct Savings account.

Years ago, UFB Direct had some of the highest interest rates like they do now.  But then other whipper-snappers beat them out and I moved my dough elsewhere.  This is one reason I leave a buck in old bank accounts and sign in online now and then to keep my account from going dormant.  Of course, my Quicken signs in for me every time I tell it to update all of my accounts.

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SmallBusinessSaturday ShopSmallCircle

$240 for Hooters & Me!


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SmallBusinessSaturday-ShopSmallCircle-smallerAmerican Express’ VERY GENEROUS Small Business Saturday promotion is back on November 29th.  This year, they have juiced the prize!  You can get up to three $10 statement credits per registered card.

I really like this promotion because it is a win-win for small businesses and consumers.  Basically, Amex is buying you something at your local businesses.

Get all the nitty-gritty here.  In a nutshell, you must register your Amex card(s) at ShopSmall.com as soon as November 16.  Then spend $10 or more in a single, in-store transaction at a qualifying small business location on Saturday, November 29, 2014.  Do that three times per card for three $10 credits.

To pick a card, any card, click here to get the ball rolling.  Email me if you have any questions.

If you don’t have time to shop the Mom & Pops

Do what I do.  Walk into your favorite participating restaurant that has gift cards.  Have them charge each of your registered Amex cards three times for $10 per transaction.  Total up the transactions and have them throw it on one gift card for future use.

You give business to the businesses – AND YOU GET FREE STUFF. It’s a win-win!

Double, Triple… Gazillionize the Promotion

Authorized users on your account can register for the promotion as well.  Amex makes it easy to add a card member to your account.  Sign in to your Amex account online, click

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Incorporate 101sm

To Inc. or Not To Inc.


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Incorporate_101smIt’s Election Day, unless you are going to cancel out my vote in which case it is next Tuesday.  Liberal, Conservative and an all shades in between – I don’t know anyone who willingly pays more taxes than they owe (although you can here).  With the goal of paying lower taxes, many of my showbiz friends form S-corporations for themselves.  But should you?

Last week, a couple Chip’s Money Tips subscribers asked me that very question.  Unlike Harry Truman, I passed the buck to my accountant Ernest Hicks.  He is an Enrolled Agent.  If you have any questions about what he wrote, please click here to email Ernest.  Take it away, Ernie!

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