40% Off Quicken (Thru Sunday)


Quicken40offNow thru Sunday, February 23rd, Quicken is 40% off.  That’s on any version of Quicken.  There is a 60 day money back guarantee.  I’ve use it for years.

If you are serious about getting your finances in order, and want tax time to go smoothly, you should start here.  The “Starter” version is only $23.99.  If you already use Quicken, upgrade at these lower prices.  See how simple it is to use and how it simplifies your finances.  Use it for two months.  If you no likie, they’ll give you your money back.  They even have a Quicken Essentials for Mac.

See my review of Quicken 2014 here.  For convenience, here is that post “I Feel Like Quicken Tonight (2014)”:

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$300K Tax Exemption Deadline


HollywoodSignPlease tell your friends: Free email subscription, Facebook and Twitter!

Hundreds of the “early adopters” of Chip’s Money Tips are show-folk.  You know the triple-threats and hyphenates of which I speak.  This is my annual shout-out to the buskers, minstrels and long-hairs; the thespians, scribes and head-honchos who live and/or work in Los Angeles.

This is a reminder that if you received money via 1099 (not W2 income), the City of Los Angeles wants a taste. You can have up to $300K in 1099 earnings and have all of that money avoid the tax via the Creative Artist Exemption. Here’s the catch: You have to sign up for it every year to get it every year. Otherwise, you owe this tax!! Some people choose to fly under the radar and hope not to get caught.  You have through February 28th to register.

Click here to read more about the $300K Creative Artist Exemption. Talk to your accountant and watch my video about it from 2011 (below).  Also check out my posts on How I Found $3,200 MIA (Missing in Acting) and How to Move Money to Qualify for SAG Health Insurance.

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Sheckels In The Citi


ShekelBills2Yesterday’s post $252 Tax Free in Two Hours told you how you can get up to $300 tax free via drugstore purchases through March 31. 2014.  You can get that $300 by spending a grand total of $47.40.  That is exactly what I did last month.  It’s all legal and above board.  Here’s how it is done:

First you will need a Citi® Dividend Platinum Select® Visa® Card.  Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on this card and more.  If you don’t already have that card, right now, you will be able to pick up another $100 when you spend $500 on it in the first 90 days you have it.

Secondly, you will need a free Bluebird account which you can get by clicking here.

Once you have the Citi Dividend card, you must register for the 5% cash back categories.  Log in to your online account to do so.  Drugstores (including CVS) are in

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$252 Tax Free in Two Hours


252WyoHowdy Numbnuts! This is for folks who are watching their nickels, as well as deal-seekers. We have a pretty cool 7-week window of opportunity here for you to clear $252-$300 tax free. Plus $100 if this is new to you.

The Citi® Dividend Platinum Select® Visa® Card (boy that’s a lot of ®s for a name) is a card that pays 5% cash back in categories that change quarterly. What separates this card from other 5% cash back cards, is that you are only limited to $300 cash back in the 5% categories per calendar year. The others are $75 per quarter.

I love to use my Citi Dividend card for opportunities like this. It has “Drugstores” as one of its 5% cash back categories through March 31, 2014. CVS is a drugstore. Heck, I could earn $300 cash back at CVS in one stop!

Of course, I don’t need $6,000 in bunion pads, wart remover and unmentionables – which I won’t mention. Alas, CVS is more than opiates and Whitman Samplers. Here’s how you can easily get $300 without actually buying $6K in stuff.

Before I forget, you can 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.

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Old Friends Simon And Garfunkel2

Things I Did To Make Easy Money in 2013


old-friends-Simon-and-Garfunkel2My old friend and CMT reader Lee suggested I do a post detailing all the booty I hauled in last year.  Here you go!

There are plenty of things that have nothing to do with credit cards.  I’ll get to those momentarily.  But… I got 14 new credit cards that gave me $2,273 cash back and 425,000 airline miles and hotel bonus points – all tax free!  I didn’t pay for a plane ticket all year.  I earmarked that cash back dough as “mad money” to make playing in the World Series of Poker not seem like frivolous idiocy.

My Strategy
I use cards because cash is handled by hobos, hookers and booger-eating morons.  Not only do I like the firewall that a credit card puts between merchants, thieves and my money – but I also like the perks.  I use a credit card to pay for everything possible, and then pay the card off in full with money I would have otherwise used to buy the stuff in the first place.

I usually only carry an American Express and a Visa in my wallet.  But sometimes, I use

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Cyber Panty Raid on Target


TargetBullseyeAs you probably have heard, a few weeks ago hoodlums pulled a cyber panty raid on Target’s database of customer information.  They gathered semi-public information (names, addresses, phone numbers and emails) on 70 million people.

In an effort to calm the hysteria, Target is offering a year of free credit monitoring at creditmonitoring.target.com.  I found out about this from an email sent to me from TargetNews@target.bfi0.com.

Whoa!  Rule #1 of e-crimestoppers is to be suspicious of any weird looking URL in an email.  When I got the email, I figured it was some young-toughs out on a little cyber phishing expedition.  Maybe even the folks who stole the data from Target.  I deleted it.

Turns out the email was legit.  It was from Target’s email marketing company Big Foot Interactive.  You may have received previous Target emails from them if you are a regular shopper.

Still suspicious?  Go to Target.com and click on the “important notice: data incident involving certain guest information” near the top of the page to see for yourself.  It only takes a minute to sign up.  If someone tries to open a credit card or get a loan in your

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Amazon Prime Free 30 Day Trial



Amazon Prime is more than just free two-day shipping.  It’s also a desert topping.  Wait, that’s Shimmer.

Amazon Prime is kinda like NetFlix.  It streams 41,000 movies and TV shows to over 650 compatible devices and TVs.  As I wrote in 257 Channels and Nothing On, it may not be worth $1,000 a year to watch Honey Boo Boo and your Duck Dynasty via cable or satellite when these handy-dandy inexpensive program options are out there.

Only the primary Amazon Prime member can get the instant video streaming.  So if you piggy-backed onto someone else’s Amazon Prime account for free shipping (they allow up to four people to do that), you may have to give this free 30 day trial a whirl to see if you want your own account.  Amazon Prime also gives you access to 350,000 Kindle titles to borrow for free for you fancy pants, high fallutin’ intellectual types.

The free shipping is pretty handy at Christmas.  Instead of flying across the country with Legos and skillets, I buy stuff for my kin on Amazon and have them ship it free to my family back east.

Amazon Prime costs $79/year.  Click here for the free 30 day trial to help you decide if it’s for you.

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Uber and UberX — $10 Off


UberGlassWith 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 $10 off your first Uber ride, and I’ll get a $10 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.

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3 More Costco Angles / Loopholes


CostcoStoreFor 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:

  1. 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.
  2. 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
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CostCo BJs Sams Logo

Costco = Non-Members Can Buy Rx & Booze… Cheap!


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.

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