The $100 Winner is….

July 12, 2008 · Filed Under Noteworthy · 3 Comments 

After spending almost two hours writing the names down….

With the help of my little brother aka Lil Hustler…

The HustlerMoneyBlog $100 winner is

Congratulations b.c4rb0n

I have sent you an email. Write back to confirm along with info for the $100.

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I need your input

July 8, 2008 · Filed Under Noteworthy · 40 Comments 

A little background about me:
I’m turning 28 with income around 90K. Income would go up with my business ideas and all. I have a bachelor and Masters. Single, no wife or kids.

I have 3 options:

A) Stay on course, build my wealth. House paid off in two years. Career would stall, but very easy and high job security. I can say with confidence millionaire before 40.

B) Take LSAT, go law school next year in the fall. Done with Law school by 32 but $120K in student loans at least. However, prestige factor in my family is a great honor. Future uncertain, but I would like a challenge.

C) This sounds crazy, but my passion is filmmaking. Roll the dice, and move to L.A. Being single and all, you only live once. F*ck it, life is too short. Follow your dreams. If I make it I make it, if not, live without regrets.

I find it very hard to decide right now. It has been on my mind over the last 6 months. My heart is going toward C, but my mind is telling me A or B. To me, money is not an issue. I couldn’t care less if I’m living in an apartment and eating Ramen noodle. Respect is important to me.

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Top Ten Posts

June 29, 2008 · Filed Under Noteworthy · Comment 

Lets take a stroll down memory lane. Here’s my top ten favorite posts of all time.

  1. HustlerMoneyBlog Series
  2. How I got hustled
  3. How to plan your children’s financial future
  4. Grand Hustle with credit cards issuers
  5. How to build a website
  6. Personal Finance Class of 2007
  7. Cheapest family phone plan
  8. Do the bills-o-rama
  9. 10 Quick Hustles to save money
  10. 8 ways to check your credit score for free

So what is your favorite?

Chase FreedomSM Credit Card gives you another $50 bonus after first purchase

  • Receive $50 after you make your first purchase
  • 3% Cash Back in your top 3 everyday spending categories
  • 1% cash back for every $1 you spend on all other purchases
  • Receive an extra $50 each time you save and redeem $200 in rewards

    • Apply today!

Chase Freedom SM Credit Card

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Referrals, Subscribe, and Advertise

June 17, 2008 · Filed Under Noteworthy · 10 Comments 

Blogging ain’t easy..especially when you got 4 blogs to run. Help your boi out and make money at the same time when you sign up to these offers:

1) Ebates $10 bonus- Sign up for you, your wife, kids, etc..and shop through their shopping portal to save you money to many stores and get $10 bonus in free money. You must make 1 purchase to get your $10 bonus.

2) Prosper $25 Bonus - Sign up for free and fund your first account with $50 to receive $25 bonus right away. That’s a 50% return on your money right away. Full review.

Earn Great Returns. $25 Sign-Up Bonus.

3) $25 ING Bonus (3.00% APY) - Write to me hustlermoneyblog@gmail.com with your full name and ask for a ING referral link. Simply deposit $250 and get your $25 bonus instantly.

4) $20 Virtual Bank Bonus (3.05% APY) - No fees whatsoever, all you need is deposit $100 to get $20 bonus, once you get it, you can withdraw, simply email me with your first and last name and say you want an Virtual Bank referral and I will send you one.

5) $25 Amboy Direct Premium Savings Bonus (3.05% APY)

This is one the highest savings online account, and it comes with a bonus. You must deposit 3K for 90 days to get the $25 referral bonus. Send me an email with your first and last name, with Amboy Referral on your subject line.

6) $100 OptionsXpress Bonus - Ask for a referral link to get this $100 Bonus. Make sure to read this post for full information.

For more info, use the contact form below:

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Thank You for Your Support

Hustler

My Buddy List

Do you have a personal finance blog? I have been around for over a year with over 25K pageviews a month. As a favor to all the regular readers who has a personal finance blog, I would like to exchange link with you on each other blogroll. Simply comment on this post and I will add you to my blogroll. Make sure you do the same. Thanks.

Help me with HustlerMoneyBlog

If you are a regular reader, and have made good money from my site, please tell your family and friends about my site. I know some of my posts are ghettooo, but hey, at least come for the laugh. My posts are all about saving or making money. You won’t hear any whining like “oh..man…I shouldn’t have bought this or that PF kinda crap.” Pick some of your favorite posts from this site and email them the links. There is only one True Hustler! Holla at yo boi if you have any personal finance questions.

Subscribe to Hustlermoneyblog:

I update Hustlermoneyblog daily with money make tips that anyone can do. If you haven’t done so, please bookmark my site by hitting Ctrl-D or Command-D. If you have an online feed reader, my yahoo, or google personalized homepage, then check it out here to subscribe:

Add to Google Reader or Homepage

If you don’t have one, I recommend to visit Bloglines to get one. If you are like me, and read up to 10 blogs daily. RSS feeder is a very useful tool. It will save you time.

Subscribe in Bloglines

More options here:Subscribe to Hustler $$$ Blog

And finally, you can also subscribe via email. I respect your email privacy and you can opt out whenever you like.

Enter your email address:
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Check out my advertisement rate:

Interested in advertising on Hustlermoneyblog? Currently, I have over 25,000 pageviews each month and growing. My Google pagerank is a 4. If you have a website you want to promote, and would like a link or a hyperlink picture logo on my site on the top corner right sidebar under Featured Sites, shoot me an email hustlermoneyblog@gmail.com. The location is prime real estate on this site, however other locations can be discussed. Here are the going rate:

$50 a month for a link to your site.

$100 a month for a 125×125 logo frame.

You can also purchase a post on my site, whereas you send me an article about your company, and it will be like a regular post on my website. The price is $150.

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How much money have you made from this website?

June 3, 2008 · Filed Under Noteworthy · 9 Comments 

I got an email from a longtime reader, Mike, a few weeks ago and it goes like this,

I feel like I’m doing $200 worth of work for $100. I want to make it work, then get others to do it too… but I don’t know…

Thanks though. I’ve made at LEAST $3,000 in the past year–less time than that, really–from your hustles. thanks!

Mike wrote to me about OptionsXpress and how the manager gave him an extra $15 in his account for some troubles with verifying his account. Anyways, his email got me thinking, “How much have you personally made from all the bonuses, saving tips, hustles, etc etc from this website alone?”. When I first started this website, it was an exciting time because everything was new and bonuses were popping up everywhere. Writing was easy and contagious. With less bonuses showing up, I find it more difficult to write meaningful posts about making/saving money.

Currently, I’m going through a big transition in my professional career that would allow more free time. The posts haven’t been top notch lately. Expect to see fresh content coming soon in about a week. I hope to get more ideas from my readers and what you like best. Feel free to contact me via email. Thanks.

Top Cash Back Gas Credit Cards:

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8 Ways to Check Your Credit Score for Free

March 5, 2008 · Filed Under Noteworthy · 3 Comments 

Here are the many ways to check your credit score for free:

  1. Credit.com: Get a free credit report, a credit score and a debt analysis, all on your desktop in seconds.
  2. Get your FREE credit score!: From free credit report.com, however you must sign up with a credit card and cancel within 30 days.
  3. CreditKarma: Use offer code CKFRND to sign up. It’s a TransUnion credit score. Some reported to be an average of 50 points higher than the norm.
  4. Lending Club: Even if you already sign up as a Lender, Sign up again as a “Borrower.” They will give you a grade such A1 = 770+, A2 = 747 - 769, A3 = 734 - 746, etc etc. Sign up through the link, and you qualify for a $25 bonus.
  5. Prosper: Another $25 bonus sign up. By signing up as a “Borrower”, then you can check your credit score. It’s Experian ScoreX PLUS.
  6. E-LOAN: Free Credit check at the very bottom under “Free Credit Score (Credit Score Only).” It’s not a trial and no credit card required.
  7. ESPN Wamu Credit Card ($25 bonus): Sign up for a WaMu credit card and check your FICO score each month for free.
  8. Quizzle: Free credit score, free credit report, and free home value estimate every six months.

For those who want long term solution and all three scores, check out this post about credit score for $19.95 for 1 full year. If you only want a free credit Report, then visit annualcreditreport.com from the government official site.

Chase FreedomSM Credit Card gives you $50 cash back after first purchase.

  • Receive $50 after you make your first purchase
  • 3% Cash Back in your top 3 everyday spending categories
  • 1% cash back for every $1 you spend on all other purchases
  • Receive an extra $50 each time you save and redeem $200 in rewards

    • Apply today!

Chase Freedom SM Credit Card

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Top Reasons to get a Business Credit Card

February 16, 2008 · Filed Under Credit Card bonuses, Noteworthy · 14 Comments 

I spoke to many people about credit cards. They don’t feel comfortable about applying for a business credit card. I tell them over and over again, whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can 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. The absolute answer is: Yes, it’s a good idea to get a business card!

Top reasons to get a business credit card

  1. When you charge on your business credit card, the amount is hidden from your personal credit report. For that very reason, your credit utilization is lower hence you credit score stay higher.
  2. Business cards have the best 0% APR on purchases or balance transfer.
  3. For the most part, you are most likely to get a higher credit limit when applying for a business credit card. Make sure to request a high credit line on your application. Household income will dictate how much you get on your credit line for a regular card. With a Business credit card, issuers are willing to increase your credit need for your business startup.
  4. If you have reached the maximum credit exposure across the board with most issuers, now is the time to call them and ask moving your personal lines over to the business side to hide some of this available credit. After your credit profile is updated, then apply for more credit cards.
  5. Your punctual in payments is worth more when it comes to Business credit ranking and less on utilization. They see spending as investment leverage in order to grow your business.

I will review in details on how you can apply for new business credit cards.

When you click on a Business credit card like the American Express SimplyCash, enter your information like you normally would with name, DOB, Social Security, and so on. Fill out home address.

  1. They will ask you to fill out the business address, so simply check the box “My Home Address is the same as my Business Address”
  2. Put your full name as your legal business name
  3. Home phone is the same as business phone
  4. Pick an industry..any will do..Normally I pick retail since I claim Ebaying as my business.
  5. Years in operation: 1-2 years
  6. Federal Tax ID: LEAVE THIS BLANK They will assume leaving blank as sole proprietorship
  7. Annual Business Revenue: $1 - 25000
  8. Put down your name as your business name for the card.

I highly recommend the American Express SimplyCash, since you get 5% cash back on gas, office supplies, and wireless services. Then 1% cash back on everything else.

The above steps are perfectly legal. As long as you have sold anything on Ebay or Amazon, mowed someone’s lawn, painted a house, or washed a car and got paid for it, then you are a sole proprietorship. You do not need to file any paper to be a sole proprietorship. For tax purposes, your Social Security Number is your TIN.

One thing I would recommend is Do not lie on your application. If your business makes $0 so far, then put down $0. Many startup businesses start with $0 revenue. Don’t put your day job workplace as your business. That would be fraud unless you own the business.

The cards below are my recommended list of business credit cards.

Balance Transfer Fee is Cap

  1. Advanta BusinessCard Rewards - 15 months 0% APR on BT. $50 cap on BT fee.
  2. Advanta Platinum BusinessCard - 15 months 0% APR on BT. $50 cap on BT fee.
  3. Chase Home Improvement Rewards - 12 months 0% APR on BT. $75 cap on BT fee.
  4. Chase GM Business - 12 months 0% APR on BT. $75 cap on BT fee.
  5. Chase Platinum Visa Business - 12 months 0% APR on BT. $75 cap on BT fee.
  6. Discover Business Miles - 12 months 0% APR on BT. $75 cap on BT fee.

Great Cashback Business Credit Cards:

  1. American Express SimplyCash: 5% cashback on gas, wireless services, and office supplies
  2. American Express Blue Cash : 5% cashback on everyday purchases
  3. Chase Business Rebate Card: 3% cashback on restaurants, office supply stores, gas stores, and more.

Great Bonus Points/Miles/Cash Business Credit Cards:

  1. Chase Continental Airlines Business: 20K Bonus Miles after first purchase. $85 annual fee.
  2. AmEx Platinum Business FreedomPass: 5000 points = $50 gift card after first purchase.
  3. AmEx Starwood Business: 10K Starwood points. No fee first year.
  4. AmEx Business Gold Rewards: 5000 points = $50 gift card. No fee first year.
  5. AmEx Gold Delta SkyMiles Business: 15K Skymiles after first purchase. No fee first year.
  6. AmEx JetBlue Business: 50 True Blue points = 1/2 free flight. $40 annual fee

Here are the many ways you can get money from the 0% APR Balance Transfer offers from above:

  1. Advanta: Request direct deposit to your checking account.
  2. Chase: They will send BT check or request the BT check with card, make check to yourself, and then deposit into personal checking account.
  3. Citi: Call and request BT check payable to yourself, and then deposit into your checking account.
  4. Discover: Call and request BT checks, write check to yourself, and then deposit into your checking account.

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Qtrax - Free Legal Download over 25 Million Songs

January 28, 2008 · Filed Under Freebies, Noteworthy · 1 Comment 

You can now download songs for free with Qtrax. It’s a new legal online file-sharing service with over 25 million copyrighted songs from major labels. It’s free because they get funded through advertising and music companies get a cut of it. Qtrax guarantees that its network is free of spyware or adware such as pop-ups common on many peer-to-peer networks. Everyone know it’s illegal to download using P2P services like Limewire and e-Donkey. Instead of spending money by buying CDs or using Itunes, you can now use Qtrax to download millions of free songs from major companies include Vivendi’s (VIV.PA) Universal Music Group, Sony BMG Music Entertainment, Warner Music Group (WMG.N) and EMI Group.

In order to take advantage, you must download the Qtrax software. They will also have music videos, artist documentaries, interviews, album reviews and biographies among other features.

Citi® ProfessionalSM Card with Thank YouSM Network gives you 10000 Thank You points bonus = $100 Gift Card

  • No Fee Rewards Program
  • Get 3 ThankYou Points for every dollar you spend at restaurants, gas stations, on auto rentals and certain office supply merchants.
  • 1 ThankYou Point on every other dollar spent.
  • Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.
  • No balance transfer fee with this offer

    • Apply Now!

Citi® Professional(SM) Card with Thank You(SM) Network

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Holla at Yo Boi!

January 27, 2008 · Filed Under Noteworthy · 13 Comments 

My Buddy List

Do you have a personal finance blog? I have been around for over a year with over 25K pageviews a month. As a favor to all the regular readers who has a personal finance blog, I would like to exchange link with you on each other blogroll. Simply comment on this post and I will add you to my blogroll. Make sure you do the same. Thanks.

Help me with HustlerMoneyBlog

If you are a regular reader, and have made good money from my site, please tell your family and friends about my site. I know some of my posts are ghettooo, but hey, at least come for the laugh. My posts are all about saving or making money. You won’t hear any whining like “oh..man…I shouldn’t have bought this or that PF kinda crap.” Pick some of your favorite posts from this site and email them the links. There is only one True Hustler! Holla at yo boi if you have any personal finance questions.

Subscribe to Hustlermoneyblog:

I update Hustlermoneyblog daily with money make tips that anyone can do. If you haven’t done so, please bookmark my site by hitting Ctrl-D or Command-D. If you have an online feed reader, my yahoo, or google personalized homepage, then check it out here to subscribe:

Add to Google Reader or Homepage

If you don’t have one, I recommend to visit Bloglines to get one. If you are like me, and read up to 10 blogs daily. RSS feeder is a very useful tool. It will save you time.

Subscribe in Bloglines

More options here:Subscribe to Hustler $$$ Blog

And finally, you can also subscribe via email. I respect your email privacy and you can opt out whenever you like.

Enter your email address:

Delivered by FeedBurner


Check out my advertisement rate:

Interested in advertising on Hustlermoneyblog? Currently, I have over 25,000 pageviews each month and growing. My Google pagerank is a 4. If you have a website you want to promote, and would like a link or a hyperlink picture logo on my site on the top corner right sidebar under Featured Sites, shoot me an email hustlermoneyblog@gmail.com. The location is prime real estate on this site, however other locations can be discussed. Here are the going rate:

$50 a month for a link to your site.

$100 a month for a 125×125 logo frame.

You can also purchase a post on my site, whereas you send me an article about your company, and it will be like a regular post on my website. The price is $150.

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Email from a Reader

December 22, 2007 · Filed Under Noteworthy, Street Smarts · 1 Comment 

Here’s an email I just got from Angel:

Hustler- I’m sure you are busy with the holidays, but I had a quick question for you. I recently lost my WaMu debit card, and had to get it replaced. They sent me a new one, but it was with the wrong account. The card I received was with the account that only had $1 on it. The card I lost and was trying to have replaced was with the account that had all my money in it. I know I asked for the card with the correct account, and one of the managers I spoke with even admitted that this issue probably wouldn’t have taken place had he handled the card replacement, however they continue to tell me “[they] did not have the privilege to hear [my] conversation with the other bank teller” therefore they cannot say it is a bank error.

Since 5-10 transactions went through before my card started getting declined, I have a huge amount of overdraft fees, and was only comp’ed two of them. I have talked with 4 different people, a regular customer service rep, a manager, a supervising manager, and lastly the senior manager whom all say the same thing- that they cannot help me any longer. I can’t afford to pay all these overdrafts if I don’t have to, but I don’t know what to do.

The bank is telling me that since the letter they sent me with the new card had the last four digits of the card it was replacing, that it is ultimately my error. I feel like my only error was trusting the bank to send me the right card. Because I don’t use the other card, it was in a file cabinet with my other files. I didn’t remember the last four digits of the card it replaced, and honestly I didn’t notice the letter had that information until I checked the letter after the fact.

Do I have a case to get any more of the charges removed, or should I just pay the fees?

Angel

My reply:

Hello Angel,

I’m sorry to hear your situation. There is no way you should pay any overdrafts fees since it’s their fault. Here is my take on this and how to resolve this in your favor.

First, write a very long articulate letter explaining your situation, and how you want the fees to be taken off since it’s not your fault. Send one to the manager of your local bank, another one to the regional manager. Make sure to mention that if this doesn’t get taken care of, you will send one to the executives of WaMu about this and how you have to pay these fees that wasn’t your fault.

Wait to see their response. If the response is still not in your favor, write another letter telling them that if they don’t take care of this by removing all the fees. You will contact the Better Business Bureau, the local “On your side” local news station, and your local congressmen to make your case on WaMu abusive practice. You could also contact consumerist.com since they can make your case on the net by sharing with their readers.

Good luck,
Hustler

I hope Angel will get a positive result from my advice.  If you are in a bad situation whether it’s fighting a bank fee or credit card fee, feel free to write to me hustlermoneyblog@gmail.com for advice. You will get the “hustler’s angle” on how to deal with the problem.

As much as I like to write about the next “$100″ bonus deal, helping readers like Angel gets me going and makes blogging so much more enjoyable.

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