I Text On The Toilet Tshirt

Get Free Cell Phone Insurance ($600 Per Phone)


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i_text_on_the_toilet_tshirtA rash of people in my life have dropped their cell phones in public toilets.  How many people in a “rash”?  Three.

This post’s title is more than a Spam Catcher’s entrée – it’s true.  If you pay your monthly cellular telephone bill with your Wells Fargo personal credit card, you’ll get up to $600 protection (subject to a $25 deductible) against covered damage or theft at no cost.  You can do this twice a year.  If you need it more frequently than that, what’s wrong with you?

Thinking of gaming the system?  Terms and conditions specifically address phones that are lost or “mysteriously disappear.”  This coverage is on the primary phone, and up to three secondary phones on the account.

What if you break your phone, take it swimming, or drop it in a Port-A-Let?  Your provider doesn’t let you out of your contract.  You have to buy a new phone unless you have insurance.

I used to pay Sprint $8/month for insurance before realizing it was a bad plan.  If I used

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AA USAirMergersm

Fly American? This One’s For You


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US Airways-American Airlines merger moves forwardThe official okie-dokie came down yesterday for the merger of American Airlines and US Airways.  This is an excellent chance to boost your American Airlines frequent flyer miles.

For an unknown amount of time, you can get a US Airways credit card that has no annual fee the first year and gives you 35,000 frequent flyer miles if you make one purchase.  Click here for that application.  I did that one and it worked like a charm.

A few years ago, I got a Northwest Airlines card and bonus frequent flyer miles before they were absorbed by Delta.  Last year, I did the same with Continental before they became United.

Once my miles were safe and sound, I eventually canceled the defunct airline’s card.  This made it possible to get the sign-up bonus on the surviving airline’s card.  It’s a double-dip of sorts.  Had I not canceled the card, the new and improved airline would have eventually replaced the old airline’s card with the new airline’s card – but no second sign-up bonus.

I don’t know if I had ever flown Northwest or Continental, but I knew their miles would eventually become Delta and United miles.  It’s the same with US Airways becoming American miles.

For the US Airways, use the link in this post above.  Other airlines have cards that offer nice sign-up bonuses.  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.

Photo: nypost

New 100 Bill

Do You Want $200?


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New $100 BillHere’s an opportunity for some free money.  You’ll get $200 tax free if you get the new Chase Freedom card, and spend $500 on it in the first 3 months that you have it.  If you aren’t an ultra-maroon or filthy rich, you might wanna check it out.

$500 is only $167/month x 3.  Use the card to pay for your phone bill, internet, TV, gasoline, groceries, banjo lessons – whatever!  Checkout my post on Amazon Payments to see how you can use the card to pay someone (maybe your landlord) money you owe.  Then pay off the card with the cash that you were going to use to pay for your stuff in the first place.

No catch.  The Chase Freedom card is the Visa that I carry in my wallet.  I got this card years ago when they last had the $200 offer.  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.

It never has an annual fee.  It pays 1% cash back on all purchases.  It pays 5% cash back on various categories that change every quarter.  For example, from October 1st – December 31st, it pays 5% cash back on purchases at Amazon.com and these select department stores.

Again, this $200 is tax free, so it’s more like what you have left after paying taxes on $300 – $400 earned at your job – depending upon which tax bracket you are in.

If you and your significant other get the card, well, you’ll be able to afford roast beast and taters this Christmas!

 

This content is not provided or commissioned by the company whose  products are featured on this site. Any opinions, analyses, reviews or  evaluations provided here are those of the author’s alone, and have not been  reviewed, approved or otherwise endorsed by the Advertiser. This site may be  compensated through the Advertiser’s affiliate programs.

Backfuture

If Your Credit Blows, Let’s Fix That


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backfutureIf you are like me, you have done things in the past to screw up your credit.  Like me, you can fix it – without a Hot Tub Time Machine or a fully-functioning Flux Capacitor.  I’ll tell you how you can join me in rarefied credit score air so high you’ll wanna bring a Sherpa.

The past is the past.  Mistakes do not have to continue.  We all used to wear diapers, but at some point that way of life lost its appeal.

Having good credit is possible even if you defaulted on loans, made late payments on credit cards, have collection agencies bugging you, or have gone bankrupt.

As detailed in my post “I Cut My Mortgage Rate in Half” when I refinanced my house, my FICO credit score was 817.  That’s on a scale of 300-850, thankyouverymuch.

Lipstick on a Pig
Even if you have sworn off borrowing any more money, you should polish up your credit report as best you can – and correct any mistakes on there.  Employers are increasingly doing credit checks of job applicants.  Yes, your credit determines rates at which you can borrow money, but also whether you have to pay deposits on utilities and cell phone plans.

Of course, landlords don’t like to rent to folks with a sketchy credit history.  As I mentioned in “The Chickenpox of Your Report”, in my ten years of landlordiness I found that not all people with bad credit are irresponsible, but most irresponsible people have bad credit.  Here’s how we un-sketchify your credit history:

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1971johnnybench

Results of My April “App-Aloosa”


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1971johnnybenchMy hobbies have always involved cards: baseball, poker and credit.  Last week in my April Amex App-Aloosa, it took 20 minutes to apply for four American Express cards.  I was approved for all of them.

This hobby isn’t for everyone.  I like trying out different credit cards while marinating in their huge sign-up bonuses.  I always pay the cards off in full so I never pay any interest – otherwise this would be a losing proposition.

Here’s how my April Amex App-Aloosa went down:

I got the Gold Delta SkyMiles personal and business cards, as well as the Starwood personal and business cards.  I will get over 100,000 miles/points in bonuses once I meet the spending requirements.  These cards have great perks.

Check out my thoughts on Starwood Points here and Delta SkyMiles here.

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.

I opened up a clean browser window for each application and clicked on “In Private Browsing” in Internet Explorer.  Google Chrome calls it “Incognito”.  You may feel compelled to do this in a tuxedo while drinking something shaken not stirred.

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Deathandtaxesandmoretaxes Cartoon

Is a “Bereavement Fare” Fair?


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deathandtaxesandmoretaxes-cartoonBen Franklin said, “Nothing can be said to be certain, except death and taxes.”  April 15th is only 20 days away, so the latter is top of mind.  Unfortunately, the former made a surprise visit to my extended family this week.

I don’t wanna be pushy, but I hope you will take this as a Call To Action.  Don’t compound a huge personal loss with a financial one.  Just like how you (hopefully) keep some money stashed away for emergencies, you should have frequent flyer miles at your disposal.

Bereavement Fares are NOT the Answer
In the past two years, I have had to catch a quick flight to be with my dying dad and to attend a close friend’s funeralBoth flights would have cost $1,000 each – even IF I qualified for the bereavement fare.  That’s the way it is.  Period.

Bereavement fares aren’t cheap.  They are for close family who must be there – not friends.  Basically, if you aren’t mentioned in the obituary or married to someone who is, don’t expect to get the small discount.  Airlines have requirements that must be met.

What’s The Solution?
The best/easiest/cheapest way to get miles that never expire is via Delta offers for personal and business cards.  Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on these cards and more.  For some, the toughest hurdle will be getting rid of the mindset that having a

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DonAdamsShoePhone

Why I Called…


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DonAdamsShoePhoneI usually reserve the use of my phone to win concert tickets, give my political opinions to robots, and to ask strangers if their refrigerator is running.  Alas, I have found another use:

Stop the Presses!  I was asked to take this post down.  I will try to get some version of it back up. Meanwhile, treat yourself to these awesome bonuses – while they are still around. 50,000 points = $500 cash or $625 in travel.

Remember, if you aren’t a business entity like an S-Corp or LLC, you can still apply for the Ink cards as a Sole-Proprietor, use your name as the business name, your social as the Tax ID number. Very easy, legal and FUN!  Click here for more info on this, Snoop Dogg and Festivus.

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.

  • Chase Ink Bold® Business Card – 50,000 bonus points after you spend $5,000 in the first 3 months. $95 annual fee waived first year. No Foreign Transaction Fees.
  • Chase Ink Classic® Business Card – 20,000 bonus points after you spend $3,000 in 3 months from account opening. No annual fee.
  • Chase Ink Cash® Business Card – 20,000 bonus points after you spend $3,000 in 3 months from account opening. No annual fee.
  • Chase Ink Plus® Business Card – 50,000 bonus points after you spend $5,000 in 3 months from account opening. $95 annual fee waived first year. No Foreign Transaction Fees.
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SWAirTransLimtedTime

Two Free Round-Trip Flights on Southwest AND AirTran


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Just a quick mention about two current airline offers for TWO FREE FLIGHTS.  Go getcha one now!

This is billed as “Two Free Flights” but the 50,000 Southwest bonus points can be stretched to many more round-trip flights.  For example, I just plugged in a random mid-January trip from Burbank to Las Vegas that is 5,880 points – round trip.  Big Bonus-Point Bang!

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.

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