Zipcar $25 Free Driving Credit Offer

ZipCar is a membership-based car-sharing company that lets you rent cars by the hour (gas + insurance included) in many metro areas and college campuses. It can be good deal for those thinking about having one less car in your household (or who don’t have a car but occasionally want one). Right now, you can get $25 in free driving credit when you join. You’ll need a driver’s license and credit card. Plan prices vary by location.

If you don’t drive your car very much, adding up the total cost of depreciation + car insurance + maintenance + parking + gas can actually make ZipCar a much cheaper alternative (ZipCar savings calculator). Also, we were selling an old bookshelf on Craiglist once and the buyer rented a Honda Odyssey via Zipcar to pick it up.

 

Free Priority Club Points Via Survey (Up to 500)

Here are a few short surveys that offer some free Priority Club hotel rewards points. They may not all work for everyone, but if they do work the points will post instantly to your account. You’ll need to provide your Priority Club number and last name.

Survey #1 (100 points)
Answers: 15, AOTA, Silver

Survey #2 (100 points)
Answers: AOTA, Anytime, AOTA

Survey #3 (300 points)
Answers: AOTA, AOTA, AOTA, 4,300+, and 50/60,000

500 Free Miles via United Mobile Offers

Link a Visa card with United Mobile Offers and you’ll get 500 free United miles. You’ll need to receive a few text messages (max of 3 per week ongoing) and the 500 miles posts in 4-6 weeks. I have no idea if these special offers will be any good, I hope at least in the beginning they have some good ones. You can cancel the service at any time, but I’d wait until after the miles post.

Any ole’ Visa card works, but I’m sure they would love for you to link up their new Chase United MileagePlus Explorer Visa card targeted at regular United fliers that offers you 30k bonus points, free checked bags, priority boarding, primary rental car insurance, and more.

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Free SmartMoney Magazine Subscription

Rewardsgold is offering a free 2-year subscription to SmartMoney magazine for a limited time. You have to fill out a brief one-page survey as well as “tell” two friends about the offer. Your friends don’t actually have to sign up for the offer or actually do anything at all. No credit card required. Arrives in 8-10 weeks.

These free subscription promos are usually done to boost subscriber counts for the magazines so they can sell more ads, and most times actually do arrive in my experience.

MMB Reader Invitation: Citibank Paid Market Research Panel

Citi is trying to learn more about the needs of small business owners and believes that many MyMoneyBlog.com readers might fit their desired profile. They are looking for primary banking decision-makers of small businesses (titles will include but not limited to: owner, principal, partner, CFO) to join the Business Advisory Board for Citibank.

In the Business Advisory Board for Citibank, an online community created by Citibank, you will have the rare opportunity to “Learn, Do, and Connect” with other business owners and decision-makers who share your goals and challenges, as well as get an advance look into and impact the creation of new products and services aimed at businesses like yours, as well as the chance to impact the development process.

Community members will receive a $10 welcome gift as well as around $20/month for participating an average of 5-15 minutes per week at a time of your convenience. The sign-up period and the spots are limited (update 5/30 still live), so please apply promptly below if interested.

Citibank Business Advisory Board application page

Database for Searching Class Action Settlements

Here’s another potentially useful bookmark. MySettlementClaims.com is a database of class action settlements so that you can quickly determine if you’re are eligible for a claim. It appears to be run privately by an individual, so I don’t know how extensive or well-updated it will be in the future, but for now it does include a lot of settlements that I wasn’t aware of. AT&T DSL, Apple iTunes gift cards, Skechers shoes, Vita Coco water, etc. In the end, you’re given the link to the appropriate official claim form.

It reminds me of sites that help you find unclaimed money, which I never really trusted until it actually worked for me. There are still many scammy unclaimed money sites, though, so I’d never pay money for any such services.

Miles by Discover Card Promotion: Up to 20,000 Bonus Miles

Here’s a promo that would work great together with the the ChargeSmart fee waiver for utilities purchases. The Discover® Miles Card has upped their sign-up bonus so that you can get 1,000 Bonus miles every month you make a purchase for the first year – up to $120 in travel rewards. To confirm, look for the following in the Terms & Conditions on the application:

TERMS OF 20,000 BONUS MILES OFFER: Earn 10,000 Bonus Miles for every $2,000 you spend, up to 20,000 Bonus Miles. Purchases must be made within 6 months from the date your account is opened. We are not responsible for merchant delays in processing transactions. This promotional offer is in addition to the Standard Miles earned on purchases. Promotional Miles will be applied within 8 weeks of reaching $2,000 and $4,000 spend amounts. (This promotion is now over)

The $2000 spending requirement over six months works out to $333 per month. What you’d be looking for is $350 per month in utilities (electric, gas, sewer, water) that previously didn’t accept credit cards for payment (at least without a big fee), which now you can pay Discover via ChargeSmart.com with no fees. If you don’t reach that, I would even prepay some utilities and let it apply to future bills. There is also double miles (2 miles/$ spent) on the first $3,000 spent combined on restaurant and travel purchases. If you can charge $4,000 in 6 months, you’d get the max 20,000 bonus miles.

In addition, you’ll still get the standard 1 mile per $1 spent on the utilities charges. 10,000 miles can be redeemed for $100 towards any travel from any vendor. You just have to put a travel purchase (airfare, hotel, car rental) on the card and then go online and redeem your “miles” for a travel credit. So buy any $150 airfare from any website on the Miles card and redeem 10,000 miles for a $100 statement credit.

No annual fee. Rewards do not expire as long as your account is in good standing and the card is not inactive for 18 consecutive months.

Groupon Class Action Settlement: Use Your Expired Groupons

Update: There is now an official website at grouponvouchersettlement.com. The court hasn’t approved an official settlement breakdown yet, the claim form is available to submit by e-mail.

What, Groupon already has a class action settlement? Yup. Bloomberg reports that Groupon has agreed to pay $8.5 million to settle a class-action lawsuit alleging the expiration dates on its coupons are illegal. Part of the lawsuit alleged that Groupon should be treated like gift cards, which in many states are not allowed to expire. However, like with most settlements, Groupon denies that and doesn’t admit any fault, yada, yada.
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CIT Bank CDs With Rising Rate Protection

Update: CIT Bank has closed its RampUp CDs to new customers. Please visit this page for current CIT Bank products and rates.

Previously, CIT Bank offered CDs with some unique features including a “rate bump” option that allows to you raise your rate in the future if the interest rate increases. The second unique feature was that you could add more money to your CD one time at any point you choose throughout the term.

Free Meal Planning Service Membership – Food on the Table

Food on the Table is a meal planning service that tries to link the foods on sale at your local grocery store with recipe ideas to help you plan your shopping and cooking. They have a free trial, but right now if you sign up with promo code MAYFREE you’ll get their “premium” service free for life. There is a free iPhone/Android companion app so you’ll have a shopping list while you’re in the store. The main complaint seems to be that some stores aren’t covered, but my local Safeway store was. The site seems like a work in progress, but it’s an interesting idea.

Simplisafe Alarm Review: Cheap, Effective DIY Home Security


Old security system vs. New security system

I’ve never had a security system until now, other than our dogs which are all bark and no bite. I suppose the main reason for that is that I didn’t own enough property to be worth protecting. Burglars could take everything and it would perhaps fetch $600 total on Craigslist, which is less than what a year of ADT monitoring fees might cost.

Combine the baby nesting instinct with a rash of recent break-ins in our quiet neighborhood, and my mindset has changed. I wanted a home security system, but I didn’t want to pay $60 or even $30 a month for monitoring. The monthly bill is where companies make most of their profit. $60 a month = $720 a year = $7,200 over a decade.

After some research, we settled on a company called Simplisafe. Here’s a list of reasons why we chose it:

  • Wireless. Simplisafe uses GSM cellular technology, which means you don’t need a landline (which can also easily be cut by a criminal). Wireless monitoring was a requirement for me, and usually costs extra with other brands.
  • Affordable up-front cost. The total cost of equipment was about $400 to completely cover my 2,000 sq. ft. house. You could probably cover an apartment or condo for $200-$300.
  • DIY Installation. You order it, and install it yourself using the included 3M sticky tape. No drilling holes. Installation literally took less than half an hour. (Their YouTube video has it done in one minute.) If I moved, I just remove the sensors and buy some new sticky pads for $10.
  • Affordable monitoring fee with no contract. Again, the monthly fee is where your cost over time adds up, and you’re usually stuck in a 2 or 3-year contract. Simplisafe 24/7 monitoring is only $15 a month with no contract. You can add instant text message alerts for an optional $5 a month. That’s is pretty much as cheap as UL-listed monitoring will cost. If you prefer, you don’t have to buy monitoring at all and you’ll just have a loud audible alarm (you can also buy extra sirens) which may be adequate for condos and apartments.
  • Battery-powered. The base station has a rechargeable battery that will last up to 8 hours in a power outage. All the rest of the sensors use their own individual lithium battery. This means the entire system will work in a power outage or if the power is cut on purpose.
  • Expandable. Everything is a la carte on the website, so you buy just as many sensors as you need. They recommend a contact sensor for each entry into the house, and motion sensors to cover important areas.
  • UL-listed 24/7 Monitoring. On a cheap system, I imagined the monitoring system to be two minimum-wage employees taking turns in an apartment. But Simplisafe is certified by United Laboratories just like ADT and commercial fire alarm systems. Central station monitoring is provided by AMCEST Corporation (UL #S2299). This may also make you eligible for a discount on your homeowners or renters insurance.

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Citi ThankYou Preferred Card Review

The Citi ThankYou® Preferred Card from our partner Citi is a rewards credit card where the primary feature is currently an Intro 0% APR offer for 15 months. Here are the highlights:

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% – 25.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

I’ll be pretty frank here. The rewards program on this card is not great. There is not currently a sign-up bonus. You get double points on dining and entertainment, but nothing else. ThankYou points can be useful, but are not even easy to get a cash value of 1 cent per point. The good news is that there is no annual fee, so you can keep your ThankYou points account active without having to pay an annual fee.

Bottom line. Perhaps the card features will change in the future, but at the current time I would definitely recommend the Citi Double Cash Card over this card. The Citi Double Cash earns 2% cash back on all your purchases and the introductory 0% APR on balance transfers is for 18 months. Alternatively, check out the Citi ThankYou Premier Card which has an annual fee but a lot more perks in return.