Tag Archives: DEAL

The Benefits of a Himalayan Salt Lamp

I have had a Himalayan salt lamp for years and also got one each for my GrandKids. I bought it for the reasons below and if nothing else the ambiance for a bedroom is quite peaceful. I found it interesting the benefits of these lamps so thought would pass it on.

You do need to be aware that there are many fake salt lamps on the market. I have seen them at dollar stores and farmers markets that are quite cheap so I suspect they are not the real deal.

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Found A Deal With Ting.com – Save On Phone Charges

I am always looking for a deal – found one. Well someone told us about it so I checked it out. 

 

 

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A phone company called ‘Ting‘. Best thing since sliced bread I believe. Only available for those in the States though (Sorry Aussie’s you are stuck with those uncompetitive, unco-operative phone companies and paying through the nose). We anticipate that we will save $50 a month at least, and we were already on a discounted program. The nice thing about it, you pay for what you use and you can go on the website and check up on your usage at anytime. (I know some companies offer this as well)

This is not one of those money making sales pitches.  The only benefit  is it does offer the usual ‘refer a friend’ and if someone joins you do get $50 off your phone bill. It is only a ‘one off’ thing.

We had a small problem in changing over and received instant help from someone who spoke the English we are used to (like from our own country – being USA).

If you are interested in saving on your phone bills it is worth checking out and compare with the company you are dealing with at the present moment. Better in your pocket than theirs.

Make sure you click on this link because it is worth $25 off a device or $25 in Ting credit to you when you sign up.

Ting.com

 

 

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Top 7 Credit Card For Those With Good Credit

If you have good credit then you obviously know how to manage your money. Ideally a credit card should be used for investing rather than consuming, but you already know that.
A credit card can be an advantage when making a quick turnover deal, that way you can use the banks money for very little cost and the money is always available especially if your credit rating is excellent. Anyway I thought this was a good article for anyone that is not happy with the credit card that they have.

Credit-Cards

Top 7 Credit Card Offers For Those With Excellent Credit
by Tasha Lockyer November 6, 2013

Do you have excellent credit? If so, banks are actively looking to win you as a new credit card customer by offering some unprecedented deals. Although banks have been more careful about acquiring customers with questionable credit since the 2008 Financial Crisis, they are now fighting harder than ever to win coveted customers with great credit. If you are in the excellent credit sweet spot, they are effectively giving you money (and a lot of it) to use their credit cards. These are the top 7 deals you can take advantage of today:

Citi Simplicity® Card: Shopping for a special item for yourself or someone else? This card will let you make big purchases then carry that balance into 2016 without paying a dime of interest. The Citi Simplicity Card features an incredibly lengthy 18-month 0% introductory APR for purchases and balance transfers. And there are no late fees, convenient if you sometimes forget to pay your bill on time, as well as no annual fee. The combination makes this card perfect for anyone looking to make a large purchase (or several purchases) or who is interested in transferring balances from other high-interest credit cards to this one. Either way it’s a smart choice.

Cash Preferred® Card from American Express: This is such a great cash back card that I have one. Cardholders earn 6% cash back at supermarkets (up to $6K in purchases), 3% on gas and at department stores and 1% on everything else. The 3% cash back at department stores is sure to come in handy this holiday season, as will the 6% at supermarkets if you’re hosting any holiday dinners or have guests visiting. Plus there is a $150 intro bonus that you’ll get after making $1,000 in purchases with your new Card in the first three months – that’s a 15% cash back bonus on the first $1,000 you spend! In addition you’ll enjoy a 0% 15-month intro APR on purchases and balance transfers. There is a $75 annual fee, but depending upon your spending patterns this card should easily pay for itself and then some.

Barclay Arrival Plus™ World Elite Mastercard®: Like to travel? This is the card for you. You’ll earn 2 miles per dollar for every purchase, and a bonus 40,000 miles – equal to $400 in travel – after spending $3,000 in the first 90 days of card membership. To use your miles, just book your travel and redeem your miles for a statement credit. You can make your travel arrangements however you’d like (by phone, online, using an agent, etc), fly any airline to any destination, and enjoy no blackout dates.

An added perk of this card is that if you use your miles to pay for travel you’ll receive 10% of those miles back. So redeeming 10,000 miles will actually earn you a 1,000 mile bonus that will be deposited into your awards bank! That means if you take the 40,000 bonus miles and redeem them for travel they’ll actually be worth 44,000 miles or $440. That’s a pretty nice bonus just for signing up and using the card. Plus there are no foreign transaction fees, so you’ll save money when you travel outside the US. There is a $89 annual fee, but it’s waived the first year. Overall this is a fabulous travel card and we highly recommend it.

Blue Cash Everyday Card from American Express: Need some extra cash? The Blue Cash Everyday Card from American Express (a NextAdvisor advertiser) is offering a great $100 bonus for a limited time. To get the bonus you only need to spend $1,000 in the first 3 months, which is pretty easy to do for most people. When you think about it, it’s a 10% cash back bonus on the first $1,000 you spend! Plus you’ll earn 3% cash back at supermarkets (on up to $6K in purchases each year), 2% cash back at gas stations and select department stores like Sears, J.C. Penny and Kohls, and 1% cash back on everything else. You’ll also enjoy 15 months of a 0% APR on both purchases and balance transfers, giving you a little bit of a cushion to help pay items off. And to top it all off there’s no annual fee and the cash back rewards never expire.

BankAmericard Cash RewardsTM Credit Card: If you’re in the market for a great cash back rewards cards that also has a 12-month 0% APR, this is a smart pick. Not only can you transfer over balances from your high-interest cards to the BankAmericard Cash Rewards card and pay zero interest for a full year, but you’ll get the same 0% intro APR on new card purchases. Plus you’ll earn 3% cash back on gas and 2% cash back on grocery stores (for the first $1,500 in combined grocery and gas purchases each quarter) and 1% cash back on everything else. And the cherry on top is you’ll earn an additional $100 cash back after spending $500 in the first 3 months. This card really does have it all – cash back, an extra cash back bonus, a length 0% intro APR on purchases and balance transfers AND no annual fee.

Slate® from Chase: This card was designed with credit card balance consolidation in mind. Its 15-month, 0% introductory APR on both balance transfers and purchases translates to interest-free payments until 2015. Plus, there are no balance transfer fees during the first 60 days of card membership. This is a big deal, as depending upon how much you plan to transfer, balance transfer fees can really add up. In fact, a $0 intro balance transfer fee can save you hundreds of dollars in fees, and the $0 annual fee is also a money-saver. So if you have excellent credit, you absolutely should not be paying any credit card interest. Get this card and transfer your balances.

Chase Sapphire Preferred®: This is a rewards cards with lots of flexibility. It starts off by earning you 2 points for each dollar spent on travel and dining out, and 1 point per dollar on all other purchases. That’s followed up by a 40,000 point bonus after spending $3,000 in the 3 months equal – equal to $500 in travel rewards. Redeeming your earned points via Chase’s Ultimate Rewards saves 20% off travel costs, enabling you to stretch 40,000 worth of points to $500 in travel. You can also redeem your points for cash back, gift cards and merchandise.

The best part is that you can transfer your points 1:1 to many frequent travel programs with no transfer fees, including United MileagePlus, SouthWest Rapid Rewards, Hyatt Gold Passport and Marriot Rewards. That means 1,000 points are equal to 1,000 partner miles/points, straightforward and simple. This feature is likely to appeal to road warriors who are members of various partner programs, as users aren’t limited to spending their points via Chase’s rewards program. There is a $95 annual fee, but it is waived the first year.

 

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Get a Greater Deal From Costco – Check the Codes

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How To Deal With Tuesdays

Totally agree with this.

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Saving Tip For Today – 09/06/2012

Compact Cars as a rental are a better deal.

Unless you are traveling with a large number of people or have lots of luggage, reserve a cheaper compact car.
The compact car is also fuel-efficient and easier to park.

According to AARP Bulletin Compacts are not popular and rental companies fill their lots with bigger cars: If they run out of compacts you may get a free upgrade.
Fuel consumption will me more expensive but you will have the luxury of more space for less.

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The New Deal For Student Loans

These Statistics boggle the mind. Something to consider before you head off to college.

New Student Loan Deal
Created by: Online University

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How To Get The Best Deal For A Used Car

The best way to get a good deal on a used car is to go armed with as much information about negotiating a deal, knowing what type of vehicle you want and having a limit on the price you want to pay. Know how to haggle.

There are a lot of pitfalls when buying a used car. Car salesmen know all the pitches to get you into a vehicle and drive off the lot at a price they want you to pay. They are a special breed. Good salesmen are very slick so you need to know what it is you want.

I found this article which will be a great help if you are about to venture out into the car dealership world.The author of this article took the time to do some practical research with a friend who was buying a car. Here is what he learned.


Knowledge Is Power

In the negotiation game, knowledge is truly power. And in the car buying business, the car salesman usually has the most information. Think about it. When the average buyer walks into the dealer, he’ll immediately divulge to the salesman which car he wants, how much he can pay per month, and which vehicle he’s trading in.

Meanwhile, the salesman gives away no information that would help the buyer. Information like how much the car really cost the dealership, how low they’ll really sell it for, or what’s the real value on the buyer’s trade-in.

Who do you think’s going to get the better deal in this scenario? The dealer, of course. He’s the one with all the information!

Thus, to minimize the amount you pay for a car, you need to do two things: 1) hold your cards close by not telling the dealer exactly what you’re looking for or how much you’re willing to pay and 2) find out as much information about the car you want to buy before you walk into the dealership.

Know How Dealers Make Their Money

When you’re talking with a dealer, it’s important to know that dealers make money three different ways with each customer.

They can make money on the front end of the purchase by selling the car for more than what they paid to buy it.

They can make money on the back-end, selling you things like financing, extended warranties, and dealer add-ons like rustproofing.

If the dealer includes trade-in value, they can make money on the difference between what they pay for your car and what they get when they sell it.

Most buyers just focus on #1. However, car dealers might actually make more money on numbers #2 and #3. Thus, when you start negotiating for a used car, take into account things like financing and the trade-in value of your current car when calculating the final price.

How to Negotiate for a Used Car

Buy cars that are at least two years old. Why two years old? Well, they’re new enough that they still look nice and probably don’t have a lot of problems. But more importantly, a new car’s wholesale value drops between 45 and 55 percent of its original sticker price after two years. What a bargain!

Read Consumer Reports annual auto issue. Consumer Reports annual auto issue comes out every April and has a used car section that gives you info like lists of most reliable and least reliable used cars and frequency-of-repair records for recent model years. This information can help you create a list of used cars you want to check out.

Get the big picture value. Once you have a list of possible used cars, get an idea of how much they generally go for by checking the Kelley Blue Book’s Guide to Used Cars and the National Automobile Dealer’s Official Used Car Guide. Don’t just rely on the website versions of these value guides. The websites won’t give you a car’s wholesale price, just the retail value. The wholesale price is what dealers use to determine how much they should pay for a car. After paying the wholesale price, dealers jack the price up for retail. You want to buy the used car for as close to the wholesale price as possible.

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