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United’s Awesomeness Expires Sunday Night


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

United just announced that they will be discontinuing this offer.  This is the easiest way to get more than enough miles for a free flight.  All you need to do is use the card one time, and you’ll get 25,000 miles. Get another 5,000 miles for adding an authorized user (even if you don’t actually give a card to the person you named in the application). That’s 30,000 miles for buying a pack of gum, or whatever floats your boat. No annual fee, free checked bag for you and a companion on your reservation Sometimes they kill these off even sooner than later, so if you want the deal, and it is great, apply right now!


Reminder: Two Things To Do This Week


Get your $75 from loading up some Amex Prepaid cards. These are NOT credit cards, even though you will use them wherever Amex cards are accepted. So even if you have horrible credit, you can do this. Offer expires Saturday, June 30th. Who couldn’t use $75 free?

One really nice feature is that you can use the Amex Prepaid card at an ATM with no charge, once a month. That means, you could load up the card(s), go to an ATM, pay that ATM’s fee, and withdraw your cash in $20 increments. If you know of an actually free ATM, even better! Get it all at once. Done and done.

If you have a 5% cash back card, the quarterly categories are going to change on Sunday. This quarter, one of the easiest ways to spend up to the $1,500 limit on the Chase Freedom card, is to buy gift cards at a grocery store. That purchase must be posted before July 1st. Check your April – June Chase Freedom statements under “Bonus from 5% categories: Apr – Jun”. Add those numbers, divide by four, subtract that from $1,500, then go buy gift cards for the difference, with your Chase Freedom card.

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My Hooptie’s Total Recall


When I say “Total Recall”, I’m not talking about a movie remake that comes out August 3rd.  I’m talking about what happens when your insurance company wants to total your car instead of paying for repairs, but then you recall (see what I did there?) improvements you have made to your vehicle.

Your car may be worth more than you think, thanks to something called “Betterment” or “Diminished Value”.   Gather ’round whilst I regale you with a personal experience that got me $4,000.

13 years ago, I had a fender-bender.  When I asked the other dude for his insurance, he said, “I lost it yesterday.”  Since that was also the day I was born, I believed him.  Uninsured motorists are soooo clever.

Happily, there wasn’t that much damage to my 1986 maroon Honda Accord DX.  Unhappily, the insurance adjuster said my car was totaled.  I asked, “How do you figure?”  He went Socrates on me and answered my question with a question.  Our conversation ping-ponged as if Aaron Sorkin had written it himself.

“How old is the car?”  13 years.
“How many miles?”  328,536.
“It’s totaled.”

My hooptie had sentimental value, but did it have much actual value?  I’d put about $4,000 into it the previous year.  Was I like one of those people who spend thousands of dollars on dialysis for their 27 year old Siamese kitty, Mr. Tibbers?  Maybe.

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The Frugal Way to Maximize 5% Cash Back


If you are like me and have 5% cash back cards from Chase, Citi and Discover, you no doubt like the slew of 5% tax-free rebate dough in different categories every three months.  But what happens when your frugal ways don’t spend enough to take full advantage of that quarterly rebate?  Two words: “Gift Cards”.

For example: From April thru the end of June, Chase Freedom pays 5% at these Grocery Stores & Movie Theaters on purchases up to $1,500 total for the quarter.  That’s $75 back in my wallet!  I know from looking at my card statements under “Bonus from 5% categories: Apr – Jun”, that I have spent $900 in those categories.  Because Chase will give me 5% on a total of $1,500 per quarter, I can still get 5% cash back on $600 spent in those categories.  Since I don’t want to waste this opportunity or frivolously blow $600 on an impromptu shopping spree…  Hello, gift cards.

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Up to $75 Bonus with Amex Prepaid (not a credit card – no credit check)


Here’s an easy way to get $25 – $75 in free dough – even if you have bad credit!  Order your American Express Prepaid card, load it up with $200 from your bank account, and you’ll get a $25 gift card.  You can get up to three cards.  According to my abacas, that is $75 free!

Anyone can do this offer.  It is not targeted to a chosen few.  “Limit of one $25 Gift Card per new Card User named on a Card.”  Three cards with three different names = 75 bonus bones.

This might be a good time to remember your legal name, initials and nickname – or load up one prepaid card for you and load two other cards for gifts.  Offer ends June 30, 2012.

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Last Day – Big Ben Tolls for Thee


Thursday,  June 7th, is the last day to get the British Airways card worth up to 100,000 Avios Points.  In plain plane English, half of that many points will get you a round trip from Los Angeles to London.  You get those for making just one purchase – of anything anywhere!

To get in the mood to personally congratulate the Queen on 60 years of throne-sitting, might I suggest using your British Airways card to buy some Yorkshire pudding, crumpets or Jammie Dodgers – go nuts!  APPLY today before it goes away!  “Read More” for more details.

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Shoeboxed – Free 30-Day Trial


I am weird.  For me, entering transactions in my accounting software is like soaking in a hot tub on a chilly, star-filled night. Reconciling a bank statement is like getting a shoulder massage. Assimilating data is a Q-Tip twirling in my ear. Me likie!

Shoeboxed would deprive me of these simple pleasures. Since most of you are not in my camp, you might give their 30-day free trial a whirl.  Click “Read More” for the scoop and video demo >>>

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UPDATE: Lipitor Gone Rogue !!


Do you have cheese in your veins?  Do you count deep fried potato skins as a vegetable?  Do you believe with unbridled fervor that ranch dressing is the greatest invention since the ball peen hammer?  If so, you are probably one of the gajillion folks like me who pop Lipitor like Tic Tacs.

Lipitor had a good run with its cholesterol-lowering medication, but its patent expired.  Alas, you can click here to get the real-deal Lipitor for only $4 per month.

UPDATE: When I first wrote about this back in November, you only had to pay $4 for any monthly prescription of $54 or less.  They bumped it up to $79 or less, for a monthly savings of up to $75.  Mmm… bacon.  They also extended this offer through 2014!

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