Here are a few ways you can get it free (Tweet it):
A) You could steal it. But, it’s probably best to not spend the 7th day resting while simultaneously shattering one of The Commandments.
B) You can get it free if you are a new customer to DirecTV, and sign a two-year contract with the “Choice” package or higher. If you apply via this link, I get a taste from them. It’s the same deal for you, but I get a li’l sumthin’, and isn’t that what life’s all about?
Or… if you are going to be a new customer to DirecTV, you can also get $100 off if you are referred by someone who has it. The referrer also gets $100 in statement credits. Order online at directv.com/refer or by calling 1-800-507-4045. Please give them my account number 15929124 when asked who referred you – so we can both get rich. Rich, I tell you. RICH!
C) If you are already a DirecTV subscriber and eschew thievery, here’s the first step I took to getting it free. I called DirecTV. I told the robot that I wanted to “disconnect service”. This got me a human in “Customer Retention”. If you aren’t going to utter the words…
When you owe more on something than it’s worth, you are “upside-down”. If this describes your home, fear not. There’s an upside to being “upside-down”.
Get the Tax Man to reassess your property’s value and thereby lower your tax bill.
My buddy JT had his home’s value reviewed. The Assessor came back with an even lower value than what JT hoped. He saved over $1,000 in property taxes. Remember, that is after-tax money. In his case, that was more like what is left after paying taxes on income of $1,500.
I dunno what goes on in your parts, but here is information about the appeal process in Los Angeles, where property owners are allowed to appeal their value between July 2 – Nov. 30.
Contact your local assessor and turn those lemons into a half full glass of lemonade!
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.
Here are the new categories:
Would you spend $500 to get $225 tax-free cash back? For a limited time – you can! Chase just increased the sign-up bonus on their Freedom card from $100 to $200 cash back. They also sweetened the pot with an extra $25 if you add an authorized user.
The card has 0% interest on purchases and balance transfers for 15 months. See details below.
This is the Visa that I carry in my wallet. It never has an annual fee. You always get 1% cash back on everything. You get 5% cash back on various categories that change every every 3 months like Gas Stations, Restaurants, Movies and Groceries.
To get the bonus, you need to meet the $500 spending requirement in the first three months your account is open. That might be pretty easy to do by just paying your phone, internet and cable bills. $500 in three months is an average of only $5.55 per day. Like I said, it’s pretty easy to achieve. Read my post 11 Ways To Meet A Spending Requirement for some helpful ideas.
Remember, you don’t have to give a card to an authorized user. You just have to give a name that gets printed on a card for the authorized user to use. Maybe you get one for Pampero Firpo or Ivan the Terrible. Ha ha. As you know, they are the same person.
Who doesn’t like a 2-fer? April 22 thru August 21 – go here on a Friday. Buy two or more tickets to a Friday movie and one will be free (up to $19.50 value). You must buy your tickets with a Visa Signature card. Plug in your Visa at the above link to see if it is eligible.
You can cut to the front of the cyber line if you have a Chase Visa Signature card. With it, you can buy your tickets Wednesday – Friday for any film currently on sale for that Friday showing.
Limit 1 complimentary ticket per Visa Signature card per 30 days. Multiple cards = multiple times you can do the offer.
If you used a different card each of the 18 weeks, this could save you $351.00! That’s only 4-5 cards total. If you and you movie-buddy each happen to have two Visa Signature cards, you can make it happen! Knowwhattamean?
Want some of this hot 2-fer movie action, but don’t have a Visa Signature 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.
I filed my taxes yesterday, so… Dude, where’s my refund? Don’t bogart my bucks! The only thing better than getting a tax refund is knowing when you will get it. Pop over to IRS.gov.
It’s very user-friendly. Yes, I am suggesting you spend some of your free time browsing the Internal Revenue Service website. Do I know how to have fun or what? Don’t harsh my mellow.
Many of us are about to get back the “no-interest loan” we gave Uncle Sam. Generally speaking, that’s what a tax “refund” is. If you don’t have debt to pay down, you might wanna put a fistful of those dollars in your checking account – and fuhgeddaboudit.
Most checking accounts these days are not free unless you jump through hoops. Banks vary, but you usually have to pay at least $10/month unless you have a daily balance of about $1,500. You should not have to pay ANY monthly fees to have a personal checking account. I never have.
People don’t think of it his way, but the money you pay for a checking account is usually after-tax money. You might have to earn $200-$300 at your job to have enough money left after taxes to pay your bank $150 in fees – every year. That adds up!
Make the best of your tax refund. If you already have free checking and no debt, start building that Emergency Fund. EverBank’s Yield Pledge Money Market Account pays 1.40% guaranteed for six months on balances up to $50K. I’ve had it. FDIC & legit. And a pretty sweet rate!
Freedom!!!!!!!!!!!!!! That was my William Wallace impression. Your thoughts?
The Freedom card from Chase can get you a pretty quick $57 in tax free cash. As you may know from reading this post, this quarter’s 5% category for Chase Freedom includes grocery stores. If that card is not your #1 go-to card, get the card out of your sock drawer and pop over to your grocery store’s gift card kiosk. Grab three Visa or MasterCard gift cards and head to the check out. Tell the cashier you want to put $500 on each gift card. She may think she misheard you or that you are a crazy person. Yeah, crazy like a fox who is about to have enough extra cash to graze on some organic, free-range chickens! Pay for the gift cards with your Chase Freedom card.
Just like that, you have maxed out the 5% quarterly spending on your Freedom card. The $1,500 grocery store purchase will result in 7,500 Chase Ultimate Rewards points hitting your account when your statement drops. Those points can be redeemed for $75 cash, a statement credit on your Chase Freedom bill, or merged into another Ultimate Rewards card tally that you may have on another card (like Sapphire or Ink cards).
(UPDATE: June 1, 2015 – UFB discontinued the the ability to get 1% cashback when use their debit card to pay off your credit card. It was great while it lasted!)
(UPDATE: May 1, 2015 – UFB discontinued the Premiere CashBack Checking account for New Customers. Those who have it already will be grandfathered in. If you already have any UFBDirect account, contact them to see if you can get it.)
As a rule, I don’t use a debit card because it gives direct access to my bank account. If someone stole my debit card info, they could access my cash. A credit card puts a firewall between hoodlums and my money.
I make an exception with the UFB Direct debit card because it gives me 1% cash back on whatever I PAY my credit card company. That means I will earn several hundred dollars a year paying off my credit card bill with this debit card instead of a check. I only use this debit card to pay off my credit card bill and one other thing.
Here’s the scoop. UFB Direct has a special VIP, double-secret, pinky-swear offer. If
When I graduated from college, I got a job and spent every penny I had. Hey, those skis weren’t going to take themselves down that hill. Someone had to buy them, along with a plane ticket, lodging, and lift ticket to get them down the slopes. That person was me.
When tax time came, I wished I had that thousand bucks to pay The Man, man. Turns out the IRS doesn’t care about my Rossignol Make-A-Wish outreach program. The Taxman wants to get paid – now. Lemme tell ya. Nothing makes you feel all grows’d up like explaining to your folks that their college graduate was actually stupid and then striking a deal with them to bail you out.
PayUSATax allows you to “Pay personal and business taxes by credit or debit card”. There is a convenience fee of 1.87% if you use a credit card and $2.79 if you use a debit card. Generally speaking, both of those options are a waste of money. For every $1,000 paid in taxes with a credit card, they take another $18.70 scoop in convenience fees.
But… here are 5 Ways using a card can be a GOOD idea: