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:
Registration for Small Business Saturday is now open. Click here to register your American Express cards. You’ll get $10 statement credit per registered card when you use it to spend $10 or more in a transaction this Saturday, November 30th.
I really like this promotion because it is a win-win for small businesses and consumers. Basically, Amex is buying you something at your local business.
If you don’t have an American Express card yet, there may still be time to get in on this hot, credit card credit action. While you’re applying, here’s why you should add additional users.
American Express has many personal and business cards. I’m a fan of the Starwood & Delta cards. To pick a card, any card, 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 just had our first November rain in Los Angeles. That means it’s time for my annual post about turning off your sprinklers! Woo-Hoo!!
The reason you do that is really SEXY: Saving on your Sewer Service Charge (SSC). Hubba-hubba. My most recent bill’s SSC was $24.99. I had paid as much as $155.55 until I wised up.
I will tell you the answer first, because the explanation could put you in REM 3. If you have automatic sprinklers and you live in an area that charges you a sewer usage charge based upon water you use – you might wanna shut them off until Spring. I live in the warm and sunny Los Angeles “Valley”. I shut off my lawn sprinklers between the first rain in November until March-April.
I started doing this a few years ago and my lawn, in full sun, has not suffered a bit. Individual results may vary. Void where prohibited without the expressed written consent of Major League Baseball.
Serve your environmentalist side with your “green” stance on water conservation while currying favor with your inner capitalist by keeping “green” in your wallet!
Here’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!
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I’ve been using Quicken for years. If you wanna dip your Fred Flintstone sized big toe in the Quicken pool, I think the Quicken Starter Edition will do just fine. Right now it is only $29.99 ($10 off). That link has a better price than what I found at Amazon. It comes with a 60-day money back guarantee. You might give it a whirl for a couple months. They even have a Quicken Essentials for Mac.
One of the greatest things about Quicken is that with one click, it will go out to all of your financial accounts and bring in all of your new transactions. It goes to your checking, savings, CDs, credit cards, stock, retirement and brokerage accounts – and scrapes in the new info. You can see your empire in one place!
It makes tax time quick and painless – especially if you itemize deductions.
Another great feature is that Quicken 2014 comes with a free Quicken App that syncs your desktop and your iPhone, iPad, and Android phones and tablets. Now you will know exactly where your finances stand, even if you are out of town. No need to check into several bank websites. It’s all in the free Quicken app. I whipped up a li’l Chip’s Money Tips example of a Quicken account for you screenshot lovers: