Ever eat chicken wings, but are still hungry, so you graze over the pile of bones looking for scraps you missed? That’s what us “rate chasers” do perusing the best places for our cash.
Right now, The Big Cheese on Curd Mountain is TIAA. What the what? Man, I shouldn’t write posts on an empty stomach. TIAA’s High Yield Savings account has the best rate out there at 1.25% without having to jump through hoops. FYI: If you don’t mind leaping like a lord, CCU can give you 4.09% + $50.
If you plan on sprucing up your house, pad, crib, hizzy, or tornado magnet (as the kids say), check out Craigslist for some coupons. I rehabbed my rental houses in 2009. Since my Lowe’s and Home Depot honor each other’s 10% off coupons, I jumped on Craigslist and bought several for just a few bucks. It saved me hundreds! These coupons come from many sources. I even got one from a USPS Change of Address packet. If it is slim pickins locally, give Search Tempest a whirl to cast a wider net of Craigslisters.
Get an additional 5% cashback from April 1st through June 30th, by using your Citi Dividend card at Home Depot. Watch my Home Depot commercial from 2003.
Get a $10 Amazon.com Gift Card for $5. This is hardly worth mentioning, except that it is so easy. Click here and get a gift card for $5. Remember to buy it with your Chase Freedom card so you can get and extra 5% back on that $5. That’s a quarter back, or “two bits” if you have a handlebar mustache and ride a tricycle with a huge front wheel. Offer ends at midnight.
Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on my favorite credit cards and more. Email me if you have any questions about which card might be right for your situation.
It turns out there is such a thing as a free lunch. If you sync your American Express card with your Twitter account and tweet the special offer #hashtags, American Express will give you automatic statement credits for qualified purchases.
#AmexSeamless5 #AmexZappos #Amex1800flowers #AmexMcDonalds #AmexHM #AmexGulfOil #AmexC21stores #AmexWholefoods AND #AmexVirginAmer #AmexFedEx #AmexCheesecake #AmexFTDflowers #AmexSportsAuth #AmexBestBuy #AmexDell
Offers that jumped out: $20 off $75 at Whole Foods, $5 off $25 at Gulf, $10 off $50 at Cheesecake Factory. The easiest and freebiest is $5 off $5 at McDonalds. It’s Lent. Go enjoy a couple fish fillets.
Need an American Express Card? Howsabout the Gold Delta SkyMiles® Credit Card from American Express card – 30,000 free miles if you spend $500 on the card in the first 90 days.
If you watch A&E’s Shipping Wars, you’ve heard of uShip. But maybe you don’t have to transport a yacht, a camel, or a 20 foot garden gnome. Maybe your stuff is bigger than a breadbox but smaller than a Sherman tank. uShip coordinates big and small.
It’s like a carpool, but instead of people, the cargo is… cargo. What I think is cool about uShip (but is pretty boring TV), is that you can piggyback your items on a shipment that is going where you need your stuff to go. The hauler gets some extra cash to fill his truck, and you get to ship your stuff for less money. It’s a win-win!
Like Kramer & Jerry, a lot of folks don’t really know what a write-off is. It’s a tax deduction, but a lot of folks think it is a tax credit. The difference is HUGE. A tax credit lowers the amount you owe in taxes, dollar for dollar. That’s pretty sweet. A tax deduction is basically a discount equal to your tax bracket.
If you are in the 25% tax bracket, and you spend $1,000 on something that you can write-off your income taxes as a tax deduction, you will save $250 in taxes. But a $1,000 tax credit chops $1,000 off what you owe in taxes, no matter which bracket.
So where do I gets me some of them tax credits?
– Adopt at $13,360 a pop!
– Buy a Chevy Volt and get $7,500.
– If you’ve been fixin’ to get a propeller on a stick, go solar or geothermal, get 30% of the cost.
Maybe that’s why Brangelina adopted so many babies. It was a profit deal! The tax credit for adoption
4.09% is atop the Rate Leader Board. Find it at Waukegan’s own Consumers Credit Union. Apply online. You can get a $50 bonus just for trying them out for two full months. The Free Rewards Checking rate is guaranteed through June 30, 2012 on deposits up to $10,000.
Think outside the box, outside the 9 dots, baby! Yes, this is a “checking” account, but think of this as an awesome 4.09% savings account. Having the Free Rewards Checking account does not mean you must close your current checking account and move all your banking to CCU. Take them up on their
$50 offer (expired) to try them out. While doing so, get 4.09% interest on your money.
UPDATE: The $50 bonus has ended. Starting July 1, 2012 the 4.09% rate is scheduled to drop to 3.09% for balances up to $5,000.
UPDATE: As of October 13, 2014, you will no longer be able to make person-to-person payments.
Use AmazonPayments.com‘s AmazonWebPay to send money to other AmazonWebPay account holders using a credit card. Send up to $1,000 in a calendar month with no fees. Choose “Goods & Services” and it will not be a cash advance. Amazon even suggests using it for “paying your babysitter”. Heck, I say use it for paying your rent! Here is more AmazonWebPay info.
Why would you want to do this? If you are like me and make a lot of money every year using a no fee cash back credit card, or need to reach a spending requirement to get airline bonus miles or rewards points (click on those links to read how I do it) – this will help you achieve those goals.
Let’s break it down, Bobby Brown. Too soon? If you spend $1,000/month on your credit card using AmazonPayments, that is $12,000/year. That alone would get you:
Get Free Money: 0% Balance Transfer cards with No Transfer Fee: Chase Slate (15 months)
Get High Interest: 4.09% is at the top of the Leader Board at Consumers Credit Union + $50 bonus
No-Hoop Option: EverBank’s 1.05% on the Yield Pledge Checking Account. 6 month rate guarantee