Buying Gift Cards from major retailers at 20% off!!!

December 31, 2006 · Filed Under Hot Deals, Street Smarts, Uncategorized · 1 Comment 


If you join dealpass.com and pay $19.95 a year on membership, you get only 5% off gift cards among many other benefits. Unlesssss…haha..you know me, you follow these guidelines:

I know of a few programs right now that you can sign on a 30 days trial, get all the gift cards that they will allow you, and cancel the membership within the free trial period.

1) Buy something from Vistaprint (i got a rubber stamp for free with $5 shipping/Handling), then they will ask you if you like to join a couple of programs such as 24Protect(you can get $1500 of Lowes and Home Depot gift cards at 20% off). The other one let you buy gift cards from retailers such as Best Buy, Circuit City, etc. You want to join around the 2nd week of any month. Why? Say you buy $100 Lowes gift card. You will have to pay the full price at the time of purchase, but they will credit $20 back to your credit card at the end of the month. Then cancel the program. Again, please read their policy carefully.

2) Check out Backporch, here you can get 20% off automatically to most major retailers gift cards, gas cards, restaurant gift cards etc. They got 3 programs(Savings2go, backporch, etc) to join around $8.95 a month each, but all come with 30 days free trial. You want to call 1-800-272-6611, talk to customer service to join, ask specifically what program you want, etc. You want to call, and call back after about 3 days to get your membership id for quicker access instead of waiting in the mail. The bad thing is they limit you to buy 3 of the $25 gift cards for each retailer for each month. Order as much as possible, then cancel membership. Make sure you check your credit statement because I had to call them back to remind them to remove the first month membership fee. It is a little hassle, but if you want more gift cards, use a different phone number to call when sign up again or use another family member. Again, please check out their policy on their website and ask customer service to sort out all the details.

P.S. If you know of any other programs such as backporch, savings2go, etc…Let me know so I can share with everyone.

Happy New Year Everyone!!!! I’m ready to get my Hustle on for 2007!!! Peace out Biatchh!!

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PenFed Money Market Certificate Rates: 6.25% on 3,4,5,7 years term

December 30, 2006 · Filed Under Bank deals & offers, Credit Card bonuses · 1 Comment 

What: MONEY MARKET CERTIFICATE RATES Term Rate APY 6.25%

Where: PenFed
How much: $1,000 minimum deposit

When: Effective December 28, 2006 – January 31, 2007

How to Join Penfed: Get National Military Family Associaton membership (NMFA) $20 fee only first year

or SAME membership(Society of Military Engineers) for free to meet PenFed requirement.

Also, apply to their Visa Platinum Rewards Card Application for 1.25% cash back on everything and 5% on gas.

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Affinity Bank $75 bonus (maybe) and 10% APY account for your kid!

December 29, 2006 · Filed Under Bank deals & offers · 1 Comment 

Affinity bank often has $75-100 Direct deposit promotions to their Free Checking. They don’t advertise it, so you might call
800-489-1562 and ask to see if they still have the promotion. The advertise one is the free 2007 Quicken Premier special offer for opening a new account. The best part is that you can open an account for your kid that will earn 10%APY each year up to $500 balance. Pretty easy $50 each year for your kid.

Here’s more info about the account:

  • NO monthly service charge
  • NO charge for online banking or BillPay
  • NO surcharges at over 32,000 ATMs nationwide
  • NO limits on checks you write
  • NO restrictions on visiting the bank
  • NO maximum on customer service calls
  • NO limit on using our bank-by-phone feature

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$140 free money for opening two sharebuilder accounts

December 28, 2006 · Filed Under Free Random Money · 1 Comment 

If you haven’t open any sharebuilder accounts for bonus, try use a couple of these codes in order to get some free money. Originally I only open using the costco link for $90 bonus (you must be a costco member), but I open another one for a $50 bonus using the code ENTHOLIDAY.

Here is the list of codes, links, and directions below:

From fatwallet

ENTHOLIDAY $50 bonus for new sharebuilder accounts expires 01/15/2007
2,000 Delta Sky Miles
Alaskan Airlines/Horizon Air Up To 10,000 Bonus Miles With sharebuilder
Continental OnePass $25 plus 2000 bonus miles – No expiration listed
Continental OnePass 5 free trades – No expiration listed
IPLANGIFT $50 bonus for new sharebuilder accounts – Thread – must enter through link
FREEGUIDE40 $40 Compass Bank bonus
COMPASS5006 $50 Compass Bank bonus Expires 12/31/2006 (New updated code!)
SHAREBUILD25 sharebuilder $25 bonus – Expires 12/31/06
SBGIFT30 $30 holiday account cash bonus – Expires 12/31/06
ENTERTAIN50 $50 – Expires 12/31/2006
ENTERTAIN30 $30 – Expires 12/31/2006
ISK40 $40+1 year of Money Magazine – Link Expires 12/31/06
STBANK50 : SunTrust Bank customers, $50. Expires 10/31/06
PEOPLE30: $30 – People’s Trust Federal Credit Union Exp. unknown
SMEAUG50 – Sallie Mae (linkless) Expires 9/30/2006
EQREWARDS30 $30 + “The Automatic Millionaire” book + One year “Money” magazine
FOLLETT50 $50 (Thanks richardc020 @ SD)
CAMPUS50, or $50 Barner&Noble GC
FREEGUIDEPAT $30 and a free gude to long term investment from PaTelCo, expires 12/30/06

Here is a quick guide on what to do and how to max out your benefit:

  1. Go to ebates.com to open an account (this is to make $20 by going through their portal)
  2. When you are in ebates.com, search for sharebuilder, go through the portal and search for this link to enter your code.
  3. Choose the basic plan.
  4. Fund your account with at least $20.
  5. Make a $5 minimum investment ($4 is the fee, $1 is the crap stock)
  6. Receive email that you got the promotion.
  7. Wait 4-6 weeks to get your bonus.
  8. Withdraw all your money, and let the $1 stock rot forever.
  9. Get your promo money from ebates.com
  10. Rinse and Repeat with different promo code every 4-6 months. (I don’t think I need to tell you this but, open one for husband/wife, or kid(s), etc. to make more money)

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$100 TradeKing Bonus – promotional code “Trade”

December 27, 2006 · Filed Under Free Random Money · Comment 

Here is what I did to make an easy $100 a few weeks ago following an old post from mymoneyblog.com . I went here to open a new individual TradeKing account. Down where it ask you for promotional code, put in “Trade” .

  • Fund your account with $1000,
  • Buy one trade (I bought EEM),
  • Get your bonus, then withdraw all your money,
  • Sell your share, and withdraw your money.

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Hot items! PlayStation Portable (PSP) for $160 and Canon SD 600 for $190 @ Circuit City

December 24, 2006 · Filed Under Hot Deals · 2 Comments 

Here’s what I did for my little brother Christmas presents.

  1. Make two copies of this $40off 199 coupon. (**I saved all coupons under category coupons)
  2. Go to Circuit city, and buy PsP(price $199) only first and show the $40 off 199 coupon. (why not do both? because you want the coupon to work for each item)
  3. Go back a few minutes later, and buy the Canon SD 600 for $229, use the 2nd coupon, and get it for $190.

You can also get the Canon SD 600 at Staples for around the same price by using their 12% off on $249 price first, then use the Circuit city $40 off 199 coupon on top of that. Yes, they will honor their competitor coupon.

There is another special at Office Depot whereas Canon SD 600 for $250 with $50 rebate and also use the $40 off 199 coupon to make it around $160.

Again, all of this is YMMV, meaning your mileage may vary.(you might get it or you might not)

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My Car Insurance – $830 for a year on a 2006 BMW 325i with Amica Auto Insurance

December 23, 2006 · Filed Under Uncategorized · 2 Comments 

My current premium on my car insurance with Allstate was going to be $710 for 6 months that is due in January, so I figure to go look elsewhere for a better rate. Car insurance is pretty hard to give advice on because everybody situation is different. There are many variables to consider: coverage type, deductibles, full coverage or liability only, Car model and year, your driving record, your credit score, etc etc.Instead, I will tell you what I did and how I got the best rate with the coverage that I wanted.

I did a little research and found the two best companies to go with are Amica Auto Insurance and Ameriprise Auto Insurance through Costco. Amica can be pretty selective with their customers, and you need Costco membership for Ameriprise 20% discount. Ameriprise quote was $600 for 6 months with better coverage than my current coverage, which also includes one year of free roadside assistance for being an executive costco member. Not bad I thought until I gave Amica a chance. The Amica quote was even lower when I talk to a CSR from their website. Here is the results with the coverage from Amica:

My Car: 2006 BMW 325i

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$100 bonus with Chase Cash Plus Rewards with 5% cash back on everyday purchase

December 21, 2006 · Filed Under Credit Card bonuses · 3 Comments 

Here is more free money and a credit card you can use for everday purchases.

  1. Call 1-888-787-0329
  2. Use code 94F for MasterCard or use code TP7 for VISA. (this is the most updated code)

More info on the card
Apply now for the Cash Plus Rewards Visa® Card.
• Bonus $100 cash back or gift certificate after first purchase.
• Earn 5% cash back on qualified grocery store, gas station, and drug store purchases and 1% on all other qualified purchases.2
• Redeem your cash back points for gift certificates at your favorite merchants or a cash back check.
• No annual fee.

Here is the difference between the Chase Visa and the Chase Master card by ffguru, both are cash plus rewards:

Both are offered as Visa and Mastercard, but they are not the same.
CASH PLUS- Max of $300 in rewards per year. REWARDS PLUS- Max of $750
CASH PLUS- Points good for Cash only REWARDS PLUS- Cash, Gift Cards, Travel, Merchandise
CASH PLUS- Redeem points at $50 without loosing value. REWARDS PLUS- Wait until $100
CASH PLUS- $50 (Visa)-$100 (MC) bonus for signing up. REWARDS PLUS- $0 (Visa)-$50 (MC) bonus for signing up.
CASH PLUS- can be converted into REWARDS PLUS without applying for a new card. Just redeem your points first.



Application status check:
1) Call 1-888-338-2586
2) Choose option 2 for status check
3) Punch in your SSN

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New $40 Citi Credit Protector offer!

December 20, 2006 · Filed Under Credit Card bonuses, Free Random Money · Comment 

After their $100 gas card offer, I manage to get $50 more except that they sent me $10 card rebate for the next 5 months. I’m thinking of signing this new $40 offer (should be on one rebate check), and cancel it within 30 days. It would be a good idea if you use a Citi Credit Card with 0 balance, hence you don’t worry about any charges.

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One of my favorite Dave Chappele’s skits – Wu Tang Financial

December 19, 2006 · Filed Under Uncategorized · Comment 

I figure we need a break from all the deals…here is one of my favorite skits from Dave Chappelle Show…haha..lol..too funny too funny

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