Monday, October 10, 2016

Canceled Verizon Switched To Walmart Family Mobile

So i switched my phone provider a few months back and i have been saving over $50 a month.

This plan has 3 phones unlimited everything. Yes i do have 1GB of 4G data per phone but after the data is used up i have unlimited 2G. But even with my old carrier i never have gone over 1GB of data a month especially since most of the time i am on WiFi.


The total bill after all taxes and fees is $92.50 a month for 3 cell phones. Try to beat that even with 2 cells phones on another carrier and you will have trouble. Best part is there is no contracts but you do have to buy or bring your own phone.

I have a Samsung Galaxy Core i purchased for under $100

Keep in mind the network you will be on is T-mobile but just at a higher discount in price then if you bought your plan at the T-Mobile store instead of Walmart.




Saturday, October 1, 2016

Chase Reserve 300 Credit

So i paid for some travel on my new card and i got the $300 statement credit right after the transaction cleared. This alone almost pays the $450 annual fee for the card!!!


Chase Reserve Credit Card

New card came in the mail this week I will do a full review next month. I need to spend $4000 within the next 3 months to qualify for the 100,000 points.

Meet Spending Bonus Requirements

So you sign up for a new card and you have to spend $1000 within 3 months of the card open date. Why spend $1000 on something you have no use for to gain a $150 sign up bonus.

A trick i have learned is to pay your utility company a one time payment using your credit card you need to make the $1000 spend requirement on. So you would charge $1000 on you electric company bill they should only charge you around $3-4 for this one time transaction.

Now you have met the spending limit and you get the $150 signup bonus. You also get points/cash back for the charge of $1000. Then in turn you can just run a credit on your electric bill and not have a bill for the summer.

Image result for sign up bonus credit

Monday, September 26, 2016

Forget the travel insurance.



     Next time your travel agent ask if you would like to purchase travel insurance for $200 a person think twice. A little known secret is some credit cards offer this for free. For example chase reserve and Chase sapphire preferred offer up to $10,000 travel protection from illness or weather conditions etc.

      Just make sure you read the fine print on everything that is covered. Usually all you need to qualify for this protection is purchase the entire trip using your credit card that offers the protection.

So your thinking about buying a Lamborghni Galardo

     So your thinking about buying a Lamborghini Gallardo. The current prices on these cars have come down to sub 100k price range. Many of these cars already have a brand new clutch installed. Just make sure you check the details out before jumping right in. As you will have to pay for delivery if you are not in there area and sales tax when you register it at home.

For example Empire Exotic Motors currently has this one for sale for $97,777
5.0L V10 SMPI DOHC, 6-Speed Manual, 30508 mi



     I am not sure if this car has a brand new clutch but for the price how could you go wrong. Just make sure you have the budget to maintain these supercars.

Amex EveryDay Credit Card


Apply my referral link

There's an American Express® Card that's designed for your every day: the Amex EveryDay®Credit Card.
Welcome bonusGet 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.1
APR0% intro APR on purchases and balance transfers for 12 months. After that, your APR will be a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors. Rates and Fees
Membership Rewards®
Program
Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You cantransfer points to our selection of frequent traveler programs.2
Earn 20% more pointsUse your Card 20 or more times on purchases in a billing period and receive 20% extra points on those purchases less returns and credits. Terms and limitations apply.3

2x points at US supermarkets*
1x points on other purchases

*On up to $6,000 in purchases per year.

Terms and limitations apply

Chase Reserve Card



So I just got approved for my Chase Reserve card today. I plan to do a full review on the card and its perks as soon as it arrives in the mail. This card works perfect as i will get 3x the points on any travel or dining.


Mailinator



     If anyone wants to sign up for some special deal and they do not want there email address spammed then i would recommend this great service. Basically a throw away email that doesn't even have a password.

Sunday, September 25, 2016

Fandual



Play Fantasy Football online for real money!

Last year i cashed out for over $460 bucks when Drew Brees had that huge game with 7 touchdowns.



Saturday, September 24, 2016

GoldMoney



Buy Gold instantly with a credit card or bank account. And when your ready cash it out for real physical gold. Even have a debit card linked and be able to actually spend your gold in stores.

GoldMoney Sign up My Referral Link

Ebates

     If you haven't heard Ebates pays you to shop. My total Ebates cash back is over $700 Lets say I need to buy some tires for my car at Pepboys. I get on Ebates and search for Pepboys then follow there link to the actual Pepboys site. Anything I now purchase I earn cash back usually around 2-5% depending on the store.

      Every quarter I recieve a check in the mail from them. Or you can get paid via Paypal or Amazon gift certificates. Ebates even has coupons listed on there site for even more savings. There is no excuse not to use Ebates unless you hate money. Even if I was as rich as Bill Gates i still would use the great site.








Friday, September 23, 2016

Recent lending club notes purchased



All purchased at a Discount.

Just purchase some more lending club notes using the Folio note trading platform. So far all the loans i have just purchased have a 100% on time payment history and are all current.

Lower the grades higher the interest rates.



Just Walk

  
Image result for free parking lot images

     This post really has little to do with money. But you might save a few cents in gas by not waiting with your car running.
  
     How many times have you been with a person in there car and they spend 10 minutes to find a closer parking spot at the mall? Avoid this at all cost simply park your car far from other people. Not only will you instantly get a parking spot but you avoid dings since your car will be alone and you get more exercise walking to the store. Win Win Win situation!

Thursday, September 22, 2016

Carnival Cruise Credit

Carnival


     So i am going on a Carnival cruise next year and i booked the cruise early on. A little known secret is you can keep checking the price and see if it lowers as the trip gets closer. Then you can claim the difference in a statement credit or even a room upgrade. Remember you have to have the booking type that allows this as i did a early saver cruise.

     Also the fair you will see does not include all the fees taxes etc so check with the travel agent at carnival or for example Priceline if that is who you booked with before you apply for a credit. Cool thing about Priceline is that they will do the credit for you without even having to fill the forms out if you call them.

Check this link often until you sail.
https://www.carnival.com/BookingEngine/FareViewer/


Use this link for the credit if the Cruise price goes lower.
https://www.carnival.com/core/requestforms/PriceProtection

Sunday, September 18, 2016

Lending Club

So far these are my current results with Lending Club as you can see i am just getting started.






So far i have 18 total notes with one in grace period and the other over 30 days late. I am thinking i will recover these 2 late notes as the lenders are on a new payment plan.




Current Notes