Washington Mutual 3.75% APY Savings Account + Free Checking
My favorite and only everyday’s brick & mortar bank is Washington Mutual. Their rate just jump from 3.30% to 3.75% APY. By signing up online, you will get free checking + 3.75% APY Savings account. You can’t beat that for a brick & mortar bank! From personal experience, I get great customer service. If you ever overdraft your account, they will give you one freebie per year. Did I mention that you will get free bill pay and free checks for life? There is no monthly checking fees. If you do use their debit card, get 3 cents back on each purchase. Wow! Simply amazing.
This bank deserves Hustler’s 5 out 5 stars rating. If you already has a WaMu account and you are not getting the 3.75% APY rate, simply open this new one and close your old one. Open now by clicking through the link below.
Open a free checking and high-yield savings account, with a 3.75% APY by filling out the WaMu Free Checking™ application. Learn more!
And if you apply for a WaMu’s ESPN credit card(2500 Bonus Points), you get to see your FICO score for free each month.
Make Money With TimeShare
No, I’m not trying to make any sales pitch to you. You, I, and everyone including their dogs and cats know that TimeShare is a scam. Trying to get you buy a piece of property for $5K-$10K, along with a yearly maintenance fees, management fees and costs to upkeep common areas such as pools and tennis courts, you know they are making a killing out of you.
However, these companies offer free packages, tours, travel accommodations, and gift cards for you to attend their presentation. During the 90 minute presentation, the timeshare salesmen will make you feel cheap, set you against your spouse, guilt you into purchasing their property, and so on. These presentations are not for the weak minded. If you got thick skin and like the freebies worth hundreds of dollars, then follow these tips for getting timeshare bonus.
How To Sign Up TimeShare Bonuses:
- Google online “time share promotions.” Example of sign up link.
- Contests boxes in restaurants along the highways where you can win a “valuable free prize?”
- Call the resort directly to ask if they have any visitor’s or timeshare promotions. You can get a list of resorts from an RCI or II membership catalog.
- Activities desk in the hotel front lobby. You usually get a free buffet breakfast, $50 in tour tickets, a bottle of booze and such.
- Airport or street hustlers will offer you 80% in the form of tours, dinners, shows or cash. Keep asking for more because they can offer more. Have it in writing.
Get Qualified for Presentations
- Usually, you must be over 25 years old.
- Bring a government I.D.
- Even if you have a wife/husband, tell them you are single. Best deal is your wife/husband go separately to double up on the bonus or go alone.
- Do not agree to processing fees, since it’s non-refundable. They might ask for “good faith” deposit, then tell you got no cash. Credit card is okay so that you can report to the issuers if they don’t refund your initial $10 or $20 deposit.
- They will ask for your income, so it’s best to pick around the $40K to $50K range.
- When making a presentation appointment, ask them when can you get the most gifts. Tell them to throw in dinner for two, or extra gift certificates, and so on. Again, get it in writing.
Get Out of TimeShare Presentation using Hustler Lingo:
- STFU. Yes, be as boring as possible. Do not lead them on. Don’t ever say “wow”, “that’s great”, “awesome.” Answer with No, Not interested, Nah, No Thanks, ETC.
- If they keep on insisting, tell them “this is a 90 minutes presentation, time is up, I gotta go”, “what part of NO you don’t understand, why are you badgering me sir?”, “what da hell, I need my freebies NOW, I got reservation in 10 minutes at a Restaurant!”
- If they continue to insult you, start acting ghetto, “shiiiittt, betta get ooutta my face foo!”, “Peace out mofo!”, “what da f*ck! Stop badgering me biatchh!”
Okay, #3 is a joke. If you are a 50 year old white dude reading this website, and actually thinking of doing number 3, please secretly film it and put it on youtube or America’s Funniest Home Video, I’m positively sure you will win it or become the next internet sensation.
The Top Cash Back Reward Credit Cards:
- Blue Cash From American Express - Get 5% cash back for everyday purchases and 1.5% cash back for everything else after spending $6,500 in purchases. For some people who has no trouble of getting to the $6500 in spending, this card gives a higher return that the Chase freedom.
- Citi Cash Returns Card - You will get 1.2% cash back on all purchases for the first 12 months since it offers an additional 20% cash back bonus on the rewards. After the first year, it is 1% cash back for all purchases, cash advances, and balance transfers. Use this card for purchases not in special categories such as supermarkets, gas, and dining out.
- Discover More Card - Earn up to 5% cash back throughout the year with special categories. It changes from groceries, travel to home, gas, and apparel. This is a good second card since you get 5% cash back on categories you might not get from other cards. Everything else is 1% cash back.
Cheap Movie Tickets
I’ve been going to the movies a few times this summer, and they were expensive. The tickets were $10.50 each at my local theatre. Inside the theatre, food were even more costly.
Here’s a list of saving sites for going to the movies:
BulkTix - choose value or ultimate movies passes as low as $7.50 per ticket. They never expire. They have some new coupons via Google Checkout: freeship - free shipping (still works), tryitout - $4 off $60 of more (works with 8 of any type), fiveoff - 5% off any order of $100 or more
For those with a big family, you can order 50 tickets at $6 a piece at AMC Theatre. Costco members can get a good deal on movie tickets with no restrictions.
Your Entertainment booklet has tickets as low as $6. You could also shop at Spun for more offers. There is always the popular Fadango for those who need tickets right away. AAA members also get big dicounts.
Got kids? Take them to AMC summer movie camp for $1 movie.
Discover® Business Card is giving $100 cash back bonus after $1000 in purchases. Use your SS # and real name as business name under sole proprietorship to sign up for business credit card.
In Summary:
- Earn $100 Cashback Bonus when you apply now**
- 0% Intro APR* on Balance Transfers and Card Purchases for 12 months
- 5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases
- Earn 5 to 20% Cashback Bonus at top retailers through Discover’s exclusive online shopping site
- No Annual Fee
- Fee-free Purchasechecks that earn Cashback Bonus®. to pay merchants who don’t accept credit cards
- Free employee cards with customizable limits and monthly reporting on their spending Apply Now!
2000 Bonus Starpoints
Sponsored Links
For people with the Starwood American Express card, just add two new people to your account and make a purchase to earn 2,000 bonus Starpoints. They just need the names of two new people, and no additional information is needed. I would put my mom and dad’s name to get the additional bonus points free. From the website:
1,000 bonus Starpoints will be awarded to your Starwood Preferred Guest Account 8-12 weeks after the first purchase on an approved Additional Starwood Preferred Guest Credit Card submitted with this application. The Additional Cardmember must make their first purchase with the Starwood Preferred Guest Credit Card within one year of Card approval. Bonus offer applies to first 2 Additional Card added on this application only.
Starwood Preferred Guest from American Express is an excellent reward card. Currently, you can get 10000 bonus starpoints for signing up. The 10000 Starpoints can be exchanged for $100 gift card or 3 hotel nights stay. You can read the full review here.
Freebies Roundup, Best Coupons, and Top Deals
I’m going to make a regular Friday post whereas you can find the best freebies, coupons, and deals for your shopping weekend. As always, use a junk email and never give out your real phone number or credit card number.
Freebies Roundup:
- Free Samples of Welch, Tylenol, Bounce, Acuvue, etc
- Free admission to participating Museum’s on Museum Day — Sept 27, 2008
- Free T-shirt From Wasabi Systems
- Borghese makeup samples
- Free subscription to Motor Trend
- Remedy Life Free Samples
- Free Well Water Arsenic Testing Kit
- Free World is Flat audiobook
- Free Green Cleaning Products
- Free Conservative Guide to Energy
- Free Mighty Dog Can from Purina
- Free Pet Birthday Party Planner Kit From Purina
- Free College Scholarships
- Free Vivanno drink at Starbucks - July 25-26
- Free Trade Publication Magazines
- Free Sample of Tide Total Care
- Free Shampoo Sample From Gillette
- Free Guide to Sleep Disorders
- Magazine–Free Subscription to Motor Trend Magazine
- Free One Year Subscription To American Cowboy Magazine
- Free Enfamil Baby Formula
- Oatmeal Crisp–Free sample of Oatmeal Crisp from Wal-Mart
- Alli-We Lost It Book Free!
- Free Lind Waldock Stock Analysis Poster
- Free Cooking Light “Perks”
- Planet Heroes DVD - (New) for kids
- Free Remedy Life Magazine
- FREE Gardening Shears & Transplanting Tool
- Free Box Huggies Baby Wipes
- Free Sample of McCormick Montreal Steak Seasoning
- Free GeoTrax DVD from Mattel
- Free 4oz Corroseal Rust Converter Sample
- Get Paid to Review Products
- Free Alpha Geek T-Shirt
- FREE Schick Quattro Titanium Trimmer
- Earthblend Premium Dog Food Sample - FREE
- Gillette Shampoos and Conditioners
Best Printable Coupons:
- Staples 12% Customer Appreciation Valid July 27 to Aug. 2nd
- 10% Off Home Depot Sign-Up
- 20% off any used game or accessory - limit 3, coupon is good through 7/24
- FireStone $15 oil change + tire rotation service. Good until August 15th
- New Bestbuy 10% and 12% coupons from 7/23 - 7/28/08
- New Express $10 off 20 (+20off75) coupon Web or B&M exp 7/28/08
- 5 off 30 at CVS this Saturday July 26th Only
- Rockport 50% off August 13th to 17th
- Circuit City 10% Off ends this Saturday July 26th.
- Sears $5 off $50 coupon in-store B&M expires 7/26
- Office Depot $20 off $100 exp 26 July 2008
- Borders 30% off coupon good until July 27th
- AMC Theatre Free Popcorn good until July 31st
- Sears 10% off on Electronics good until August 2nd
- K-Mart 20% off August 2nd Only
- K-Mart $10 Bonus Prescription Transfer Coupon
- $30 New York and Company In Store Coupon good until July-27
- Barnes and Noble 15% off good until August 4th
- 4 Chuck E Cheese Coupons good until August-05
- Bath & Body Works Coupon For A Free Body Lotion good until August-13
- 3 Printable Lord And Taylor Coupons August-12
- Printable Target Grocery Coupons good until Aug-16
- 15% Printable Jc Penney In Store Coupon good until August-10
- 3 Home Depot Garden Club Coupons good until August-06
- 20% Printable Linens N Things Coupon good until Dec-31-08
- 20% Kirklands Coupon good until July-31
- $15 Dicks Sporting Goods Coupon good until January-31-09
Top Deals:
- Garmin nuvi 200 GPS for only $99 at Best Buy. Just choose in-store pick up and use this $50 coupon when paying at the counter.
- Select 15″ Dell laptops starting at $499 after instant savings. Hurry - Expires 07/31/08!
- HP 14.1″ Laptop: Core 2 Duo T5550 (1.83Ghz), 3GB DDR2 RAM, 250 GB HD, Wireless-N, $629 after $50 rebate @ OD
- Logitech Harmony 880 Universal Remote
- $85 AR/FS at Amazon
- Western Digital Caviar WD6400AAKS 640GB 7200 RPM 16MB Cache SATA II OEM Hard Drive for $90 - $5 Code: EMCAHCFAD = $85 with free shipping
- Dell Studio 15
T5850 C2D 2.16ghz 256MB Radeon 3450 3GB RAM 320GB HDD Notebook w/ Webcam + Backlit Keyboard + FREE Timbuk2 Messenger Bag - $743 shipped, 2-day shipping. Now with free Timbuk2 Messenger Bag with coupon code 879LB51C3F8GT$
- Antec P180 Black Mid Tower Case $39.99 AR +s/h @ Frys.com
- iPod Speaker System Logitech X-240 - 2.1 Black - 970285-0403 » for $14.99 (AR). Use 10% off coupon code 8MAJTZLA9L - to be entered at step 3 under gift cards, coupons etc during checkout
- Sennheiser CX300B Headphones @ Newegg for $15ar
- DYSON DC14
6000 Bonus Thank You Points for a 2 Minutes Survey
Those with a Citi checking account, you can call 1-866-422-1443 by 08/08/08 and mention code ATTS to get 6000 bonus points. Make sure to tell them you got the offer in the mail. They will ask you to verify your account and ask basic questions(just decline the offers), and the 6000 bonus points will be awarded in 60-90 days.
Here’s the picture of the offer:
6000 points can get you a $50 gift card through their Thank You network. If you don’t have a Citi checking account, the 16000 bonus Thank You points offer is still available. Call 1-866-579-8491 or visit a Citibank Financial Center and mention code: CY54
Make sure to read the fine print. Offer expires 8/31/08
More Citi offers:
CitiBusiness - 15000 bonus points after $250 in purchases. Make sure to read the full review to find out how to get the extra points.
Citi Professional - 10000 bonus points after $250 in purchases. Great card with reward system.
Citi Diamond Preferred - 6000 bonus points after $100 in purchases. 5 Thank You points for every $1 spent on purchases at supermarkets, drugstores, and gas stations for 12 months.
Footlocker, Footaction, and Champs Sports 30%+ Off
School is about to begin and we could all use a new pair of sneakers. Shoes can cost easily over $100 for a good pair of Nike. Don’t worry, I got you cover with these 30% coupons good from July 24th to July 27th:
Printable coupons:
If you are like me and prefer to order online to save time and money, use these online codes below to get 30% off.
- I would shop through Ebates($10 bonus for new member) to get 5% cash back.
- At Ebates, search either Footlocker, Footaction, or Champs and go through their links to earn cash back.
- Then use these 30% off online codes at checkout.
Footlocker: FF87L247
Footaction: FF87V727
Champs Sports: FF872427
I’m not sure this would work, but you might be able to get an additional 15% Footlockers cash back by creating a MSN Live account, then go through this Live Search link.
Sponsored Links
If you are looking for some quick Skymiles points,
- Get 20000 skymiles after first purchase with Platinum Delta SkyMiles® Credit Card from American Express ($150 annual fee but it comes with free companion ticket each year)
- Get 15000 skymiles after first purchase with Gold Delta SkyMiles® Business Credit Card(No annual fee first year)
- Get 15000 skymiles after first purchase with Gold Delta SkyMiles® Credit Card from American Express(No annual fee first year)
Best 0% APR Balance Transfer Cards
To those who do not know what Balance Transfer(BT) is, I want to explain this as clear as possible.
A balance transfer is an option offered by many credit card issuers for the card holder to use their available credit from one card to pay off the balances due on other cards.
This is just transferring a loan to another loan. Kinda like refinancing your home sort of. It makes financial sense to balance transfer to a lower rate. Many issuers will offer 0% APR for 12 or even 15 months to balance transfer. After the the 0% APR introductory rate, they will revert back to their normal high rate.
Card issuers are not doing this out of the kindness of their heart. It was set up to make money. Period. However, if you know the terms and play by the rules, doing a balance transfer will save you a lot of money.
How To Do A Balance Transfer
Lets take an example of a person who has a $10,000 credit card balance on 17.99% APR. We call him “Tim” for this example. If Tim continue to make his minimum payment, he will end up paying at least $1800 on interest alone per year! Someone with better math can give me the exact number. This is not counting late fee, over the limit fee, all kinda crap fee that credit cards can pour on Tim.
Tim saw a 12 months 0% APR offer in the mail and decided to do a balance transfer. As you can tell, Tim is not a very smart guy. He didn’t read the fine terms and didn’t know anything about Balance Transfer Fee. The card has a 3% BT fee with no maximum. Bam! He is hit with $300 in fee for a $10K BT. Also, Tim decided to go shopping and buy expensive items with his old card now that the balance is 0. He’s incurring more debt and dig himself into a bigger hole. Luckily, Tim stumble upon HustlerMoneyBlog and learn a few tricks below:
Pick the right cards:
The following cards have no annual fee, balance transfer fee is capped, and balance transfer period is at least 12 months.
- Advanta BusinessCard with Rewards - 15 months BT period (3% fee, $90 max)
- Advanta Customized Business Rewards - 15 months BT period (3% fee, $90 max)
- Chase Business Rebate - 15 months BT period (3% fee, $99 max)
- Discover More - 12 months BT period (3% fee, $75 max)
- Discover Miles - 12 months BT period (3% fee, $75 max)
- Discover Open Road - 12 months BT period (3% fee, $75 max)
- Chase Flexible Rewards - 12 months BT period (3% fee, $75 max)
- Chase Free Cash Rewards - 12 months BT period (3% fee, $75 max)
- Chase Platinum Mastercard - 12 months BT period (3% fee, $75 max)
- Chase Platinum Visa - 12 months BT period (3% fee, $75 max)
The first three cards are business cards. Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. Just put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.
If you don’t plan to pay off by the end of the 12 or 15 months balance transfer period, then check out these life time balance transfer rates:
Sponsored Links
- Advanta Life of Balance - You will get 2.99% fixed APR for the life of the loan on balance transfer. There is no balance transfer fee.
- Blue from American Express - 4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
- Blue Cash from American Express - 4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
- Blue Sky from American Express - 4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
- Clear from American Express - 5.99% fixed APR for the life of the loan on balance transfer. There is no balance transfer fee.
Plan for Balance Transfer
You can request to balance transfer right away on the application or request one over the phone once you get your card. I have successful attempts in the past wherease the CSR waive the balance transfer fee when doing balance transfer over the phone. Simply ask and tell you would like a balance transfer if you do not have to pay the BT fee. YMMV.
Once you have made the balance transfer, it’s very important to not charge up on the balance transfer card. Put the card away and continue to pay the minimum monthly payment. For 0% APR BT, all of your payments during the promo period are going toward principal. A month before the 0% promo period ends, make plan to pay the entire balance off or apply for another 0% APR card to do another balance transfer.
Anything you don’t understand, feel free to comment below.
$25 E-Trade Bonus, $25 ING, and $20 Virtual Bank
Here’s the new E-TRADE $25 bonus good until 8/13/08. You just need to open a complete savings account with $1 deposit to get the bonus money. There is no hard inquiry for opening the account. From the website:
$25 will be credited to your Complete Savings Account within 30 days of the account being funded with a minimum deposit of $1. Payments will be reported as interest income. Accounts must be opened by 8/13/2008 to quality for the $25 offer. Must be a new account opened with new funds. Offer applies to one new account per customer. Not good with any other offer. This offer is not valid for E*TRADE FINANCIAL employees
The savings account has a yield of 3.30% APY with more ACH external linking and fast transfer transfer speed.
Here are the features:
- $1 minimum deposit to open account
- No minimums or account fees
- Free online ACH transfer system
- 6 withdrawal limits per month
- $100K per day limit on outgoing and incoming ACH transfers
- ACH transfers complete in one business day
- 9 day hold time for initial deposit (ACH or check). No hold for wire transfers.
You also could get $20 bonus with $100 deposit for opening a Virtual Bank account. Email me for a referral link.
Don’t forget about the $25 ING Bonus for opening with $250 deposit. Easy money just a click away.
$25 ING Bonus Links - Checking Accounts
- Top Cash Back Gas Credit Cards:
- 5% Discover Open Road Card
- 5% TrueEarnings Costco AmEx Business Card
- 3% AmEx SimplyCash
- 3% Chase PerfectCard MasterCard, 6% first 3 months
Cheap Garmin GPS for $99
I went and got this Garmin nuvi 200 GPS for only $99 today. Just choose in-store pick up and use this $50 coupon when paying at the counter. Sign up to be a Best Buy rewards member, which is free to join, in order to use the coupon.
Some people manage to get this free leather case with a purchase of a Garmin. It’s an in-store promo. However, I didn’t get so lucky as the cashier made me choose between the leather case or the $50 coupon.
Garmin is the top brand in the GPS business. There are higher models with more features which are more expensive. However, for starters, I think the Garmin nuvi 200 is a good GPS.
If you are buying an accessories, then be sure to use this 10% off coupon good until July 31st.
Here are the features of the Garmin nuvi 200 GPS:
* Preloaded City Navigator NT map system contains detailed road maps of the continental United States, including Hawaii and Puerto Rico
* Built-in Secure Digital media card expansion slot (media not included)
* 3.5″ QVGA TFT-LCD color, touch-screen display with 320 x 240 pixel resolution and white backlight* Turn-by-turn, voice-prompted navigation allows the unit to audibly announce upcoming directions, so you can keep your eyes on the road
* Garmin Lock antitheft feature disables the unit from performing any functions until you type in your 4-digit PIN or take the unit to a predetermined location
* Customizable vehicle icons let you choose an icon to represent your position on the map
* Points of interest (POIs) loader program allows you to set up proximity alerts for school zones, safety cameras and customized POIs
* Built-in travel kit includes features such as picture viewer, world clock, currency and measurement converters and a calculator
* Displays both 2D and 3D map perspectives
* USB interface for downloading additional map data
* Built-in, lithium-ion battery provides up to 5 hours battery life
* Ultraslim design fits in your pocket
* Includes suction cup mount, DC adapter, dashboard disk and set-up-and-go guideSponsored Links
Business Gold Rewards Card from OPENSM the small business team gives you 5000 bonus points = $50 gift card for signing up.
- Business ownership has become more rewarding
- Earn up to 40,000 bonus points in one year - enough for one domestic round-trip airline ticket plus other business supplies.
- Points have no expiration date
- No limit to the number of Membership Rewards® points you can earn
- No annual fee for the first year - a savings of $125
- No pre-set spending limit* and no finance charges
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
- Automatic Complimentary enrollment in the Membership Rewards® program
- Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
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