Deep Impact Vs Armageddon2

Why NOW Is Home Fix-Up Time


deep-impact-vs-armageddon2In the summer of 1998, there were two movies about an asteroid coming to destroy Earth.  TWO!  “Armageddon” & “Deep Impact”.  The odds of that happening are about as remote as, well… an asteroid destroying our planet, AM I RIGHT PEOPLE?!  Pardon me for yelling into the microphone.

Here’s another freakish coincidence – of discounts.  Now through June 30th, all THREE cards I wrote about here are giving 5% cash back at Home Depot (Citi Dividend), Lowe’s (Chase Freedom), or Home Improvement Stores (Discover it) up to a certain amount.  The 5% cash back is limited to purchases up to $6,000 annually (Citi Dividend) and $1,500 per quarter (Chase Freedom & Discover it).  Besides 5% cash back which could total $450 tax free, you could also get $200 tax free in sign up bonuses.

Another 10% off
If you are planning on doing some fixing up around the homestead, please read my post “Craigslist for Coupons = Big Savings”.  That will tell you how to find 10% off coupons.

$10,000 for only $8,350
Let’s say you have a

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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:

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Get $125 + $75 at Capital One 360 “Sale”


CapOne360BlackFriday-OrigShhh!!! Capital One 360 doesn’t know what “sale” means. They think it means to give away cash.

Now through Monday night ONLY, they will give you a $125 BONUS if you open a 360 Checking account and a $75 BONUS if you open a 360 Savings account.  Click on the links to open your accounts.

I have both of these accounts. No Minimums. No fees. No tricks. No brainer.

Black Friday is about deals.  Where else can you actually make $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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Capital One 360’s “Sale” ($ for you)

YukonCorneliusRevYou guys always wanna know when someone is giving away free money.  Well, here you go!  Capital One 360 is giving away a lot of cash.  Period.  You must open your account(s) online by Wednesday night, July 3rd at 11:59pm Eastern.

I think the 360 Checking is the easiest $100 you can make.  The 360 Savings$76 ain’t too shabby either.

The interest rates are some of the highest you’ll find.  The promotional bonuses make them a no-brainer.

If this Financial Independence Days “Sale” sounds familiar, ING Direct used to do it.  Capital One 360 bought them.  This is legit & FDIC insured.  I got bonuses previously.

Open these accounts and you will have $$$ to blow at a shmancy steak joint.  Okay, sushi.  I’m staying out of it.  As Yukon Cornelius would say, “You eat what you like.  I’ll eat what I like.”


Linda Evangelista Thong Cropped Small

What Would You Do For $75.00?


linda_evangelista_thong-cropped-smallUber-model Linda Evangelista once said, “I don’t wake up for less than $10,000 a day.”  Well, neither should you – if you’ll dial that back to 50-75 bucks.

Are you darn near flat-broke?  If the needle on your fundometer is almost on “E”, why turn your nose up at free cash?  That’s baby-sitter money, a nice dinner, or poker dough!

Capital One 360 simply wants to give you $50 and $25 to date them.  Heck, if you wanted, you could close your accounts after you get your bonuses.  Just say, “It’s not you, it’s me.”  Then spend the $75 on tequila shots.

Remember, you don’t have to leave your current bank.  You are just trying out these Capital One 360 bank accounts.  They can co-exist.  You didn’t get rid of your Pepsi products before you tried Coke.  The scoop:

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Ink Blue Cropped

4 Ways Ink Don’t Stink


Chip’s Money Tips Subscriber-Extraordinaire Jacko has a question:

“Can you recommend a decent rewards card that will allow me to float some payables for a few months?”

Absolutely!  Three of the four Chase Ink cards have a 0% introductory rate for the first six billing cycles that your account is open.  Float, float on… until Summer!

Ink Classic, Ink Cash, Ink Plus and Ink Bold are similar but different.  If they were unfamiliar food, we might say they all “Taste like chicken.”

Ink Classic, Ink Cash and Ink Plus all have a 0% introductory rate for six billing cycles.  For that time period, there is 0% interest.

The Ink cards were created for business use, but that pretty much includes anyone who makes a buck doing something.  As I have said before, if you are a handyman, nanny, dog walker, actor, or sell stuff online – congratulations the IRS says you are called a sole proprietor!

When you apply for one of these cards, put your name as Name of Business, your social security number as Tax ID Number, and sole proprietor as Type of Business.  It’s all legal and legit.

Before I give you the breakdown of what each card offers, here’s a way to maximize these bonus babies!

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SmallBusinessSaturday ShopSmallCircle Smaller

TODAY is Small Business Saturday


Happy Guilt-Free Fun Spending Day! Today’s the day to help yourself and small businesses.  Take a minute to enroll all of your American Express cards at, then spend at least $25 per transaction on each card to receive a $25 statement credit.   Not sure what to buy?  Try gift cards for local shops, baby!  Confirm participating businesses at‘s map.  More details in my posts here and here.

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AmexSBS Enrollnow

Oh it’s on! ($mall Biz $aturday)


If you aren’t hip to this week’s Small Business Saturday awesome deal – read my post on it.  Enrollment started in the wee small hours of the night.  It ends on Small Business Saturday – November 24th.  Go to and plug in all of your American Express cards.  Go on now – GIT!  I did and immediately got an email thanking me.  If you don’t see an email, check your junk folder to make sure your card is enrolled.

Once enrolled at, check out their map of participating small businesses.  Type the name of the business in the search box or search by zip code to plan your attack.  I have so many cards to use that I am going to get multiple $25 gift certificates at a couple of my favorite restaurants – and a lube job.

Please do this for yourself and the Mom & Pop business trying to make a living.  This is a generous promotion from American Express and it really helps small businesses.

It’ll be tight, but here’s a last minute idea for you.  Remember that authorized users on your American Express card can register their cards as well.  You can still add authorized users.  You may have time.  It’s worth a shot.

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28. Chase Ink Bold 250.StillSmall Laptop

Just in Time for Festivus – UPDATE


My bromance with my Ink Bold card has never been stronger.  Its terms were tweaked on 11/13/12, but I’m still smitten.  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.

Now it is twice as easy to get 50,000 Ultimate Rewards points worth $500 in cash or $625 in travel.  The old promotion of getting 25,000 points for making one purchase has left the building.

Why should you get this one?  Like I said in the original post, it’s only a few weeks until Christmas, Hannukah… Festivus. Which means you could probably use some extra cash.  Here’s how you can actually get $500 tax free by Christmas.

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