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:
With all the Christmas and New Year’s parties, there may be times when you should leave your car and grab a cab. Grabacab is also the name of my favorite Genesis song.
You might wanna give Uber a whirl. If you haven’t heard of Uber, it is an easy to use car service that is comparably priced to a cab. Heck, that’s what it is even if you have heard of Uber. It’s pretty simple. Request a car from the app on your phone. The closest one will pick you up in minutes. You can even track them on the app.
If you sign up for Uber by clicking on my link which contains the promo code “uberChipCheese”, you’ll get $20 off your first Uber ride, and I’ll get a $20 credit too.
Once you are ready to try Uber, open the app, and choose which type of ride you want: UberX, Black Car or SUV. You can also get a Fare Quote right there to help you make a decision. Here are some actual Uber estimates that I got today versus a taxi cab.
For me, paying for the privilege to shop at a store reeks of buying a seat license for the honor of purchasing season tickets, or a membership to a video rental store. The latter may sound nuts, but in the 1990s I was a card carrying, dues paying member of Lakeside Family Video.
I’m sure a Costco membership works out financially for some people who buy stuff they actually need. It was not worth $55 a year for me. Like I said here, most of my purchases were for booze, taquitos and tube socks.
If you are thinking about joining Costco, here are three things you might wanna consider:
- Two people in a household can share a membership, even roommates. Who are we to say what a household is? It takes a village! No H8! Sisterhood of Traveling Pants! Who’s with me?!?!?! I know a couple dudes who got a Costco membership when they were roommates. When they moved out into their own swingin’ bachelor pads, they kept the membership alive. Sure, this may get them thrown in Costco jail if their cover is blown. For now, they split the cost of membership.
- There is such a thing as a Costco Cash Card. It’s a gift card that can be purchased and reloaded by a Costco member in denominations from $25 to $1,000. Regardless of whether you are a member or not, if you have one, you may use it to
When it comes to Christmas parties, you are either throwin’ or goin’. In both cases, alcohol is probably involved. It can get pricey unless you have a still, or belong to a wholesale club. But will you save enough to pay the membership?
As you know, membership has its privileges, but so does non-membership. Turns out, you don’t need a membership at Costco to buy prescription drugs and alcohol. You pay the same price as members. The same may apply to your area wholesale club.
Years ago, I joined Costco in the Bank of Bur (Burbank, CA). All I’d buy at their li’l boutique was party fixins and tube socks. Once I stocked up on athletic hosiery, I pulled the plug on my $55/year membership.
Thanks to Attorney Daniel Perlman for providing me with the chapter and verse from the California Department of Alcoholic Beverage Control Rule 27 (b). From Title 8, CCR §27 re: qualifications for licensing.
“Alcoholic beverages offered for sale shall be displayed and available for convenient inspection and purchase by the general public. The licensee shall not refuse to sell, for immediate delivery, to qualified purchasers any item of alcoholic beverages on display for sale.”
I confirmed all this with the store manager. She said that if the greeter at the door is unaware that you can walk in for alcohol or prescriptions, just tell them you are going to “Membership”, then go shop. Check your local Costco, Sam’s Club and BJ’s to see if your state makes this possible for you.
A 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
The 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.
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.
- 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 (.86% for the first year) requires $1,500 to open the account. It’s amazing how fast those funds will grow!
- Now that I have my Donation Fund, when I get a request to Save The Tatas, Bike
UPDATE 12/3/13: It was sweet while it lasted, but this offer is now closed.
For a limited time – American Express will give you a $25 statement credit after you spend $75 at Amazon.com by 12/31/13. The catch: You must register your eligible card(s) for the promotion. To see if you’re in with the in-crowd, login to your Amex account and scroll down to see “Offers For You” (screenshot below).
My Modus Operandi: I registered my cards and then popped over here to buy Amazon e-Gift Cards. If you click my link, it will cost you the same price, but I’ll thank you today for a tiny tasty referral credit I’ll get from Amazon on Tuesday.
Buying e-Gift Cards meets the requirement and lets you leisurely spend the money at Amazon.com. I once bought gift cards for myself for $75 each, I received an email with the gift card code. I entered the code in my Amazon account and the $75 is banked in my Amazon account (screenshot below).
This does not appear to be a targeted offer. Although I received only one email about this offer, I registered my other cards here. Then, I got emails from Amex thanking me
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!
Shhh!!! Capital One 360 doesn’t know what “sale” means. They think it means to give away cash.
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: