Tuesday, July 31, 2012

Discover It Credit Card Review

Disclaimer - The Discover offers are no longer valid.


The Discover it™ is an essential part of any credit card lineup.  It is one of my favorite cards (I have too many favorites to count ;) and I'll try to explain why.  You shouldn't try to use it as your only card, but it is a great secondary card.

Advantages

  1. 5% cashback rotating categories in categories that you actually spend money in.  (Starting in July it is gas and in October through December it will be Holiday shopping)
    1. 5% cashback is really 6.25! Once you accumulate $20 of rewards, you can redeem that for a $25 gift card in many stores.  
      1. Examples are Bed Bath and Beyond, Banana Republic, Old Navy, Gap, The Children's Place, Brooks Brothers, DSW, Eddie Bauer, Lands End, LL Bean, Motherhood Maternity and many more.
  2. Extra cashback when you shop through Discover's shopping portal.  
    1. Before you buy anything online you should always check ebates or your credit card's shopping portal to see if you will get extra cashback.  I have found that Discover is consistently better than every other credit card for cashback online.  
  3. No foreign transaction fees
    1. If you use the Discover Card in a foreign country you will not be charged an extra fee.  Most cards do charge you.
      1. Credit cards without foreign transaction fees
Disadvantages
  1. Not as widely accepted as Visa and Mastercard, but it is accepted in most places
  2. Does not give you 1% everywhere else.  Until you spend $3,000, you will only get 0.25% cashback outside of the 5% categories.

For these reasons, I think the Discover it™ is a great addition, but shouldn't be your only card

Shoes.com and Discover Card- 20% Cashback

Disclaimer - The Discover offers are no longer valid.

Shoes.com. has a special back to school promotion if you shop with your Discover it™ and shop through Shop Discover on their website.

They have free shipping and free shipping on returns within the first 60 days so you can buy shoes in a few colors and sizes and only keep the ones you like.

Monday, July 30, 2012

Lending Club Review


Disclaimer - This is an sponsored link to lending club.  I do get a fee if someone signs up for an account, but I would not recommend it if I didn't use it myself and didn't think it was a good investment.

Lending Club is one of many peer-to-peer lending sites.  Returns from the stock market has been rather volatile in the last 15 years while Lending Club has enjoyed some very good and steady statistics.  

Lending Club is also a great place to go for a loan if you can't qualify for a standard loan from a regular bank.

Like any loan, there are defaults so if you spread your money out to many different borrowers you are more likely to do well.  You can invest in $25 increments so it isn't hard to spread out your money.


Rates

The creditworthiness of the borrower is graded on an A-G system and this is how the loans have historically performed




- As I said before, volume is better - here are statistics if you invest $20,000 or more
91.78% of Lending Club investors with 800+ Notes earn returns between6% and 18%800 Notes can be purchased with a minimum investment of$20,000

The breakdown is as follows:

- If you invest less than $5,000, the average return is 7.01%
- $5,000-$10,000 averages 8.22%
- $10,000-$15,000 averages 9.15%
- $15,000-$20,000 averages 10.41%
- $20,000+ averages 11.08%

There is a strategy to get even higher rates.  They break down the statistics of returns depending upon the stated goal of the borrower when he receives his funds.  Here are the categories in order of average return.  If you stick to the top categories, you should get even more money

- Credit Card payoff - 10.57%
- Home Purchase - 10.06%
- Home Improvements - 9.47%
- Wedding - 9.41%
- Other 8.55%
- Car Financing - 8.28%
- Major Purchase 8.14%
- Green/Solar - 5.30%
- Training/Learning - 2.14%


Funding

You can fund your account via your checking account or via paypal.  This means you can get even better returns!  If you use paypal through your credit card, you can get your normal cashback from your card as well.  This means that if you have a Fidelity AMEX (my favorite general credit card), you will automatically get an extra 2% return on your loan before you start or whatever percentage you normally get from your credit card.  There is a minimum of $250 with paypal and a maximum of $5,000 with paypal.

You can argue whether this is ethical or even possibly stealing, but you can also get "free" money in this way.  You can fund via paypal and then withdraw the money to your checking account and you are left with your rewards for your credit card without spending anything.  This can also allow you to reach spending thresholds for credit card sign up bonuses, which can sometimes be very high.  You need to transfer electronically to a bank account for a free transfer.  If you have a check sent, there is a $15 fee.


Tuesday, July 24, 2012

Voltage Tester - $3.99 from Meritline

My wife and I decided to try to save a few dollars by doing some house repairs by ourselves.  We have two switches for our kitchen lights and one of them broke so we decided to see what we can do.  We (read: my wife) watched a youtube to figure out what to do.



We bought all of the parts for about $15-$20 and saved ourselves about $100 because we didn't have to call an electrician for a very small job.

These kinds of little tasks can easily be done if you just watch a couple of videos online first.

One tool that is necessary for changing light switches is a voltage tester.  You need to tell which switch is the live wire and which one is not.

Right now, you can get a voltage tester for $3.99 from meritline

Start your purchase at from Ebates and get 1.0% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Thursday, July 19, 2012

16 GB USB 3 Pack for $19.99!

Update: Dead!

Get a Memorex 16GB Mini TravelDrive USB Flash Drive (3-pack) for $19.99 at Buy.com! Valid 7/19-7/23

Start your purchase at from Ebates and get 2.5% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Wednesday, July 18, 2012

Joseph A. Bank - $20 off your next $20 Purchase

Keurig B130 - $55 with Free Shipping

Keurig B130 - $55 with Free Shipping from Office Depot after you use coupon code 683550516  ($20 off a $75 purchase).  


The Keurig only costs $69 so you need to buy something that it is a little bit more than $5 in addition to get the coupon code


Office Snax Border 2% Reduced Fat Milk costs exactly $5.01 so it will get you to the $75 mark


Start your purchase at from Ebates and get 2.0% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Tuesday, July 17, 2012

Joseph A. Bank - 70% off Everything with Free Shipping

Today Only!

Get 70% off the entire site with free shipping.

Use coupon code FATW10 in promo code 1 slot and SHIPJULY in promo code 2 slot.

FATW10 will take off an additional $10 for a $50 purchase so if you are buying $100 worth of items or more, you want to buy them in as many $50 increments as possible to keep getting the additional $10 off.

Shoe Trees for $7.50
Wrinkle Free Shirts 2 for $21.25 each (after $10 promo code)
Instant Shoe shine for $2.10
Cedar Tie Hanger $8.50
Cedar Belt Rack $4.50

These are some great deal so don't miss out!

Start your purchase at from Ebates and get 5.0% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Monday, July 16, 2012

Philips Norelco 8200 Electric Shaver - $49

16GB Sandisk USB for $8 - Buy.com

16GB Sandisk USB for $8 - Buy.com - Valid 7/16-7/20

Start your purchase at from Ebates and get 2.5% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Toys R' Us/ Babies R' Us - $25 off an $125 order when you a Mastercard

Today Only! Toys R' Us/ Babies R' Us - $25 off an $125 order when you a Mastercard and use promo code MC125

You cannot buy gift cards.  You cannot use a gift card to pay for some of the $125

Discount is applied at order review, not shopping card

Start your purchase at from Ebates and get 1% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Sunday, July 15, 2012

Payless Shoes - $10 off a $25 Order

Payless Shoes - $10 off a $25 Order

Use coupon code 73809

Shipping is free to your local Payless Store

They have many pairs of shoes that are $20 or less in clearance so you can get a couple of pairs that you want to reach the $25 mark.







Start your purchase at from Ebates and get 3% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Monday, July 9, 2012

Snapfish - Free Shipping and 20% Off

It is usually not difficult to develop pictures inexpensively on Snapfish, but often the shipping adds significantly to the price.

Right now, Snapfish is running a special with FREE SHIPPING and 20% off.  Use promo code THANKS2YOU



Start your purchase at from Ebates and get 10% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Tommy Hilfiger - Extra 40% off Sale Items

Tommy Hilfiger - Extra 40% off Sale Items

Use coupon code JULY40

These swimming trunks are normally $59.50.  After the promo code they come out to $24.


Start your purchase at from Ebates and get 3.5% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Amazon MP3 - Free $2 Credit

Amazon MP3 - Free $2 Credit

Use promo code heartmp3


You can download Jewish themed music like Miami Boys ChoirMordechai Ben DavidMoshav Band and many others


Sunday, July 8, 2012

BIC Mechanical Pencils - 24 pack for $4

United Airlines - It's Worth it to Complain

Round 2 - United Airlines Finally Owes Up to their Mistakes


On June 24th, I was scheduled to leave Newark Airport at 9:25am on a United Airlines flight to Puerto Plata, Dominican Republic.  I was headed on a dental mission to give free dental care to underserved Dominicans.  I go to the airport at 7:15am, before the recommended 2 hours before an international flight.

The place was busier than I had ever seen it.  There must have been about 100 people waiting on line past where the line is supposed to end (after the poles and ropes end).  The line was also moving very slowly.

By the time I got to where the line normally starts, it was already 8:45, an hour and a half after I got there.  Part of the problem was that the workers would randomly choose people from the back of the line and bringing them to the checkout so that they could make their flights, but it made every one else wait longer.

I asked if I could go to the front of the line so I could make my flight and the worker asked me when my flight was and I said 9:25 and she responded, "I'm sorry you already missed your flight.  You need an hour for international flights."

Everyone around me was missing their flights and really upset at United and giving the workers a very hard time so I decided that it wasn't the time to get angry with a kipah on my head.

I rescheduled for the same flight the next day and left.

Here is where the helpful tip comes in: 

I called up United and I spoke to someone and explained the situation and I said that I wanted compensation (if you don't ask for it, they won't give it to you) otherwise I was not flying on United anymore as this wasn't my first significant problem with their airline and their customer service.  The person on the line said I should have been their earlier and it was my fault.  I was clearly not satisfied with that response.  Two hours before a flight is the airline's recommended time of arrival.

My Email to United:

After I hung up on United, I then sent their customer service the following email:

Message: I got to the airport at 7:15, over two hours before my flight.
I was going on a dental mission to Puerto Plata to provide free dental
care to under-served people.  I waited on the line until it was my turn
at 9:45 (my flight was at 9:25) in order to rebook my tickets.  I have
never seen such a level of mismanagement.  Randomly, people would be
picked off the line to make their flights while everyone else had to sit
there waiting in the regular line while the their flights left without
them.  I am not able to go back until tomorrow, I have missed my group
flight and I will miss a day of my mission.

If you know it is a peak time, you need to have more people working so
that the line moves faster

I was very disappointed that United was unable to get me on my flight
considering I left with plenty of time.  This is not the first time this
has happened to me on United and I cannot imagine flying United again.
I booked the flight on Continental hoping I would Continental service
and I was seriously mistaken.  You have lost one more United customer (a
lot of other people on line were also saying the same thing).  I hope
you are able to rectify the situation for the future.  You can't
mistreat people, give them no compensation and expect them to keep
coming back.

United's response:

After a couple of days, I got the following response from United:


Thank you again for taking time to let us know about your recent experience with United Airlines.

An Electronic Travel Certificate has been issued to Oren XXXXX (Mileage Plus xxxxxxxx) valid towards the purchase of one electronic airline ticket, where eligible, on United up to $150.00.
Redemption information - Total Value: $150.00  Promotion Code: xxxx  PIN Code: xxxxxx  Issued Date: 7/3/2012  Expiration Date: 7/3/2013  Original Ticket Number: xxxxxxxx



If you have a bad experience with a company, tell them about it, who knows what you will get.  $150 is about a third of what I paid for the ticket, but it is more than $0 and I'll bet 99% of the people on line got a big fat check of $0 and just a big headache.






Friday, July 6, 2012

20% off at Office Max until Saturday Night

Take 20% off at Office Max until Saturday Night with Coupon code SUMMERSAVE20





Start your purchase at from Ebates and get 3.0% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Coastal.com - Free Eyeglasses for 1st Timers!

Get your 1st pair of eyeglasses for free from coastal.com when you use coupon code: FIRSTPAIRFREE

Noteworthy Terms and Conditions
» This promotion is for first time Coastal.com prescription glasses customers only.

» One free pair of glasses per customer per prescription.» 1.5 index lenses included for free.

» Lens upgrades including: higher index lenses, progressives, Transitions, polarized and all lens coatings are available at additional cost.

» Shipping costs may apply, which is typically $5 to $15



Start your purchase at from Ebates and get 5.0% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Tuesday, July 3, 2012

American Express Prepaid Card - $10 Free!

Order a new American Express Prepaid Card and load $50 at the time you buy it and get a $10 AMEX gift card for free.
Order an American Express Prepaid Card, Load $50 or More at the Time of Order, and Receive a Complimentary $10 Gift Card. Offer Expires 7/31/12.
Just click on the banner below or the link above (it will take you to the promotion page)

  American Express Giftcards



Terms and Conditions:
(1) Offer expires on July 31, 2012. To receive a $10 American Express® Gift Card (“Gift Card”), you must load $50 or more at the time you order an American Express Prepaid Card (“Card”). Card orders must be received by 11:59 PM ET July 31, 2012. Limit of one $10 Gift Card per new Card User named on a Card. Offer valid for all new Card orders with a single $50 load, including additional/supplemental accounts associated with an existing Card purchaser’s account. Card must be active when offer is fulfilled. Cannot be combined with any other offer. Limit one (1) offer per Card. After qualifying for this offer, please allow 6 weeks for the $10 Gift Card to be mailed to the Card purchaser

Based on the Terms and Conditions, there doesn't seem to be a limit on the number of cards you can order as long as they have different names on them, but I cannot confirm.


You can make an ATM withdrawal once a month of up to $400 for free so don't actually have to spend any money as long as you do the withdrawal after you get your gift card.


You can find ATMs without withdrawal fees here


You need to be 13 years old to get a card.

The deal ends at the end of July.

American Express Giftcards

It takes about 6 week for the $10 gift card to come in the mail.

American Express - Shop Small $10 Credit

Update 6/24

Chicago
It seems that https://www.thespicehouse.com/ qualifies for Chicago.

The CRC has a list of spices that does not a hashgacha
http://www.crcweb.org/spice_list.php

If you spend $10, you should receive an email saying that you will get a statement credit.  Leave a comment if you get the confirmation email.


Boston
http://www.capeclogs.com/
You can buy one gift card with every amex card you registered and then you can stack your gift cards to make a purchase




Update 6/21 The promotion has arrived.  Prepaid cards do not work.  Each person can register one card, but you can register in all three cities for a total of $30 per user for free.  I have not seen any confirmed websites that will work for this.  When I do, I will let everyone know.  If anyone gets the confirmation email please leave a comment with the website that will work.

Here are the sites to register your cards.
Boston
Chicago
Philadelphia





It has been going around the internet (and here and here) that starting June 21st, you can register your American Express Credit Cards at this website run by AMEX and you will eligible for a one time $10 statement credit when you purchase something in Boston, Philadelphia or Chicago through July 4th.

I can't promise this will happen, but I would make sure to check on Thursday.  I will update once I have more information.  I will also try to find out if the AMEX prepaid cards (which was free money in the first place) will be eligible.  Usually you can get one credit per AMEX you have that you register, not just one per person so if you have a bunch of cards, you can get even more free money or stuff!


This may end up being a targeted offer (only for those who get the email), so stay tuned...


AMEX has run similar promotions in the past for everyone and I have gotten either free money or free items, another reason it is great to have AMEX credit cards (no, I'm not being paid to say that :)

Here are the posts from the past
http://www.orensmoneysaver.com/2012/03/make-5-donation-on-your-amex-and-get-10.html
http://www.orensmoneysaver.com/2012/04/2-for-4gb-flashdrive-with-amex-and.html

Sunday, July 1, 2012

Free Samples from Target! - K Cups and More

I'm sorry that I haven't posted in a little while, I have been in the Dominican Republic pulling teeth on a dental mission, which was a lot of fun.  I will have a nice post about my adventures in the airport soon and the free stuff I got for complaining, but that's for later!

Free Samples from Target

K cups from Starbucks, Shout Color Catcher and Garnier Fructis

The samples take about 8-10 weeks to come but they do eventually come!