Free 3-Month Tidal Premium Subscription Voucher Code

tidalReady for more music? Groupon is offering a free 3-month subscription of Tidal Premium music streaming service, which usually costs $9.99 per month. The standard free trial offer is only for 30 days.

Promotional value expires 30 days after purchase. Amount paid never expires. New subscribers only. Limit 1 per person. Claim codes cannot be resold, transferred for value or redeemed for cash. This promotion may not be combined with other offers. Limit one per customer and account. To redeem, must register credit card with merchant. After the 3-month promotional period, plans will automatically renew to $9.99 a month, unless canceled with merchant.

After purchase, you must view the Groupon PDF which will contain a unique voucher code needed to activate your free 3-month subscription. I’m not sure if you can cancel early to prevent auto-renewal after the 3-month period. I plan on waiting on redeeming this code until my other free music trials end, as my main concern is maximizing my listening time without ads.

World’s Most Popular Online Course: Learning How to Learn (Free)

courseraThe NY Times highlighted what is “arguably the world’s most successful online course”, Learning How to Learn: Powerful mental tools to help you master tough subjects by Drs. Oakley and Sejnowski and sponsored by the University of California, San Diego. The course has been taken by 1.8 million people and it is free to access all the instructional materials ($49 to receive a certificate of completion).

The course provides practical advice on tackling daunting subjects and on beating procrastination, and the lessons engagingly blend neuroscience and common sense.

The course lasts 4 weeks and the time commitment required is estimated at 2-3 hours per week (depending on if you just watch the videos or complete all the exercises and additional reading). Also available in Spanish, Portuguese, and Chinese. While the production quality is “home-brew, not Harvard”, people seem to like it. (This is not meant to be offensive, but it sometimes reminds me of “Fun with Flags” from the Big Bang Theory TV show.) Here’s an intro video from YouTube:

The next session starts August 28th, and I’ve signed up and watched a few videos already. So far, I prefer using the Coursera app on my smartphone. I don’t know if I’ll be able to complete everything, but you can always extend into the next session. I hope to learn something for myself and also some tips to pass on to my children.

Amazon Prime: Spend $25, Get Free Snack ($5-$8 value) and Free Vitamins ($10-$25 value)

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(Update: Amazon is also offering free vitamins with a $25+ order. If you haven’t done the snack deal below yet, you can stack them and get both a free snack and free vitamins with a single $25+ order.)

Amazon Prime members who spend $25 or more can get a free Happy Belly or Wickedly Prime snack with the promo code PRIMESNACK. Amazon Prime members who spend $25 or more can also get a free bottle of Amazon Elements vitamins with the promo code PRIMEVITAMIN.

Here are the eligible snack products:

To redeem, first add $25+ worth of products that are sold by Amazon.com or Amazon Digital Services LLC to your cart. Amazon gift cards don’t qualify, but the a $25 physical gift cards from Whole Foods, Starbucks, or Panera Bread should work.

You could also buy $25 of Household items from this 30% off deal.

Next, add one of these Amazon snacks (~$5 to ~$8 value). Enter promo code PRIMESNACK at checkout and the snack should be free. Add one of these Elements vitamins listed at the bottom. Enter promo code PRIMEVITAMIN at checkout and the vitamins should be free. I picked the Calcium supplements made from algae.

Kanopy: Free Movie Streaming for Library Cardholders and Students

kanopyLooking for high-quality streaming content? The NY Times recently highlighted a new video streaming service called Kanopy, which has partnered with 200+ public library systems and educational institutions to offer access to 30,000 movies free of charge. There are no commercials. You can stream via Roku box, Apple/Android smartphones and tablets, or via web browser. Check if your local library offers access here. Note that there may be a monthly limit:

Each library imposes its own limit to the number of free movies a single cardholder can watch each month, from three to 20 titles per card, a spokeswoman for Kanopy said. Once they’ve registered their library cards with Kanopy, viewers can keep track of how many movies they have left in the upper right-hand corner of the onscreen interface. The limit for New York Public Library cardholders is 10 free movies a month, while Brooklyn Public Library allows six. Outside of New York, Los Angeles County libraries, for example, have a 10 movie limit.

You won’t find the latest Marvel movie, as Kanopy’s library is heavy on classic cinema, independent films, and documentaries. They boast “hundreds of new films every month”. There are many films from the Criterion Collection like Fellini’s 8 1/2 and Kurosawa’s Rashomon. If you still have interest in the solar eclipse, check out Chasing Shadows. There are neat educational materials in the Great Courses section, including the Everyday Gourmet series.

GiftsforBanking CD Review: 2-Year CD at 1.85% APY + Gift Valued Up to ~1% APY

applewGiftsforBanking.com has a unique FDIC-insured certificate of deposit that pays out a mix of traditional cash interest and a physical gift. The underlying bank is GObanking.com, which is in turn a division of Flushing Bank. Via DepositAccounts, they just upped their 2-Year CD to a competitive 1.85% APY of cash interest, plus a choice of gifts based on your deposit amount:

In the perfect scenario, you open a 2-year CD with $25,000 (or $50,000) and get 1.85% APY plus a gift worth another 1% APY. (Ex. $25,000 x 1% APY = $250 per year. For 2 years = $500 total.) A theoretical 2-year CD paying 2.85% APY (or even 2.5% APY) would be a top available rate in the current market.

However, it is important to note the following fine print:

*Annual Percentage Yield. APYs are effective as of 8/18/17 and are subject to change without notice. There is a substantial penalty for early withdrawals, including the value of the gift chosen. The value of all gifts will be considered as interest on your account for tax purposes in the first year the account is opened. A 1099-INT statement for the value of the gift (including applicable sales tax, shipping and handling costs) will be issued for the year of gift redemption. Please allow up to three weeks from the time that you place your gift order for delivery of gifts. Photos of gifts may not be exact model. GiftsforBanking.com reserves the right to make gift substitutions of comparable value and assumes no liability for any defects in, or consequential damages relating to gift items. The warranty is the sole responsibility of the manufacturer. CD Reward codes will expire twelve (12) months from the date that the code is first emailed to you.

This brings up the following concerns:

  • You will receive a 1099-INT for the cash interest and the value of the gift (including applicable sales tax, shipping and handling costs). It is unclear exactly what this number is for each specific gift option. It is traditionally the MSRP, but sometimes even that number is hard to figure out. How much extra will they tack on for shipping and handling? In the end, you could be on the hook for taxes on a amount significantly higher than the actual resale value. (Update: Commenter David reports that the $25k/$50k tier gifts will have a 1099 value of $575/$1,100 respectively.) You could try to dispute this amount but is it really worth the trouble?
  • The early withdrawal penalty includes both 6 months of interest plus the value of the gift. That is a relatively heavy penalty.
  • There is a minimum opening balance of $25,000 for each CD.
  • Why does the website look like it traveled in time from 1999?

The good news is that 1.85% APY on a 2-year CD all by itself is a pretty competitive rate. So if you wanted, you could simply consider the additional gift “interest” as a special discount. Instead of paying say $360 for an Apple Watch from Amazon and $80-$95 for a $100 iTunes Gift Card, you might only have to pay income taxes on $500 or so. The key is whether you actually wanted to buy a 2-year CD anyway, either for your cash reserves or as a bond replacement. For comparison, right now a 2-year US Treasury bond only yields 1.32%.

Bottom line. This is a quirky bank CD promotion with the potential to be a good deal, but some important things have to align. You already want a 2-year bank CD. You should be quite confident you won’t withdraw early. You can get good value out of the gift options or are willing to resell. Is the potential extra value worth the added hassle?

Free 3-Month Pandora Premium Subscription Gift Code

pandoraGroupon is offering a free 3-month subscription of Pandora Premium music streaming service, which usually costs $9.99 per month. This upgrade includes access to 40 million songs on-demand, removal of all ads, unlimited skips, offline listening, and individualized playlists.

With Pandora Premium, enjoy personalized radio with on-demand listening. Users can search and play any song or album. Create playlists and use the power of Pandora to help complete them. Save data by downloading the music you want offline, and enjoy all of your favorites with no ads and unlimited skips and replays.

After purchase, you must view the Groupon voucher which will contain a link with a unique gift code needed to activate your free 3-month subscription.

Although the plan will automatically renew to $9.99 a month unless canceled, you can simply choose to cancel right away (or at any time) and your service will still keep working until the end of the three months. That way, it won’t auto-renew. Not valid for current customers (or you could create a new account). While supplies last, over 10,000 taken already.

Amazon: Buy 3 Items, Save 30% on Household Essentials

tpAmazon is offering a Buy 3 Items, Save 30% promotion when you buy selected items from their on Household Essentials and Health & Wellness categories.

This includes common items like toilet paper, paper towels, flushable wipes, ziploc bags, soap, laundry detergent, and vitamins. Amazon really wants you think of them when you buy everyday items.

MoviePass: $9.95 a Month for Unlimited Movies (1 Per Day)

moviepassMoviepass recently slashed their prices for unlimited in-theater movies (one per day) to only $9.95 per month. Here how it works in practical terms:

  • You are limited to one 2-D movie per day. You can watch first-run movies on opening day. No 3D. No IMAX.
  • This service is not affiliated with any specific movie chain. You can use the official Moviepass website (scroll to bottom) or this handy-but-unofficial locator to see eligible theaters.
  • You must download and use the service through the Moviepass smartphone app (Android and iOS). You can’t use Fandango or other 3rd-party service.
  • You must be within 100 yards of the theater (tracked by GPS via phone app) before you can redeem your free ticket for the day. This helps prevent you from sharing your subscription. If you want to reserve seats, you should get to the theater area early.
  • Once you check-in via the app, the appropriate funds will be loaded onto a your personalized Moviepass Mastercard debit card. You then use that specific debit card to pay for the ticket (at kiosk or ticket counter).
  • There is no contract.

My take? I don’t see how this is a sustainable business model. MoviePass is paying full price for the movies (not even some sort of wholesale discount). MoviePass must be hoping that a lot of casual people sign up and then forget to watch movies some months? I don’t think it’s a coincidence that they wait until after the summer movie season to announce this. I am skeptical that they can monetize the group data enough to cover their costs.

AMC doesn’t like Moviepass but since the are just using a normal debit card to pay full price, I don’t see how they can stop the service.

Bottom line. The service seems legit in that they’ve been in business since 2011 and the CEO is one of the co-founders of Netflix and former Redbox executive. However, I still see a late “pivot” for a wobbly startup. Watch a bunch of movies in the next few months if you can, but don’t be surprised if your Moviepass card suddenly stops working.

Citi Prestige Card Review

Citi ThankYou Prestige Card Art

The Citi Prestige Card is their premium ThankYou point rewards card. Here are the highlights of the cards perks and sign-up bonus:

  • 50,000 bonus points after spending $4,000 in purchases within the first 3 months of account opening.
  • 50,000 bonus ThankYou® Points are redeemable for $500 in travel, anytime, with no blackout dates when booked through the ThankYou Travel Center.
  • Annual $250 Air Travel Credit, valid for flight-related expenses charged to your card including airline tickets, baggage fees, and upgrades.
  • Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com or the Citi Prestige Concierge (based on your average night stay, exclusive of taxes and fees).
  • Airport Lounge Access. You and your authorized users get access to hundreds of VIP lounges through Priority Pass™ Select.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • 5x points on Air Travel.
  • 5x points on Restaurants.
  • 3x points on Hotels and Cruise Lines.
  • Early 1X Points on All Other Purchases.
  • No Foreign Transaction Fees on Purchases.
  • $495 annual fee.

Note the following fine print:

Bonus ThankYou® Points are not available if you received a new cardmember bonus for Citi Rewards+?, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier? or Citi Prestige®, or if you have closed any of these accounts, in the past 24 months.

Annual $250 Air Travel Credit details. Unlike other cards, airfare counts as well as baggage fees, lounge access, and other incidental purchases. This renews every calendar year, so it can be used to help offset the annual fee every year.

This statement credit is an annual benefit available for purchases appearing on your billing statements from December through the following December. Pending transactions that do not post in your December billing cycle will count towards the next year’s Air Travel Credit.

Hotel points and airline miles transfer options. Citi ThankYou points are also now available to transfer to certain airline mileage programs on a 1:1 basis including JetBlue, Cathay Pacific, EVA Air, Etihad, Flying Blue by Air France and KLM, Singapore Airlines, Qantas, EVA Air, Jet Airways, Turkish Airlines, and Thai Airways. For example, 50,000 TY points can get you 50,000 Singapore Airlines KrisFlyer miles. If you know how to redeem this points wisely, you can get a lot of value for international flights.

Virgin Mobile Full Year of Unlimited Service for $1 w/ iPhone Purchase

virginmobie

Virgin Mobile has extended their promotion offering a full year of unlimited service for $1 for new customers who buy an iPhone and transfer their number, as well as current Virgin Mobile customers who upgrade to an iPhone. Auto-pay required. It has officially been extended through 8/31/17.

Virgin Mobile USA is a wholly owned subsidiary of Sprint and is thus on the Sprint network. Unlimited talk, text, and data with de-prioritization after 23 GB each month. Although taxes are technically not included, people report being charged only 8 cents per month, so apparently it’s not a concern. After the first year, the unlimited plan costs $50 a month including all taxes as this is a prepaid service.

The cost of the newest iPhones from Virgin Mobile is comparable to buying direct from Apple. For example, iPhone 7 32GB version is $649. However, there are discounts for older models: iPhone 6 32GB is $320. iPhone SE 32GB is $280.

Compare this offer with the Sprint Free Year of Unlimited offer. For the Sprint offer, you must bring your own eligible device and qualify via a hard credit check. If you don’t want an iPhone, you could buy a New Unlocked Moto E4 for $99 from Amazon. For this Virgin Mobile offer, you must buy a new iPhone for at least $280 but there is no credit check. Sprint includes mobile hotspot tethering, while Virgin charges an extra $10 a month.

Per this press release, Virgin will also throw in the following perks:

  • A round-trip companion ticket to the United Kingdom on Virgin Atlantic
  • One night’s stay at Virgin Hotels
  • $170 savings on an introductory offer to Virgin Wines club
  • Up to 20% off flights on Virgin America
  • 20% off on the Virgin Sport San Francisco Festival of Fitness (Oct. 13-15)

If you wanted to buy an iPhone anyway (a new model is coming out soon) and are okay with the Sprint network, this can work out to a good deal. You could get a new iPhone 6 (which is still perfectly useable in my opinion) and a year of Unlimited talk/text/data service for $321. After the first year, you’ll still have the iPhone 6 which you can use on another network.

Alaska Airlines Dash For Miles Promotion: 3,000 Bonus Miles, Reset Expiration

alaskamilesAlaska Airlines has a Dash for Miles promotion where you can earn up to 3,000 bonus miles: 1,000 bonus miles times three partner sites through September 30, 2017. You must register at the link above first, and then complete at least one transaction from any of the following:

All of these sites are relatively easy to participate in. Mileage Plan Dining has a relatively wide restaurant network and you could link a credit card and buy a $2 soda. Mileage Plan shopping can be triggered with a $5 purchase at Staples.com, Gap.com, or Groupon. The Opinion Terminal only takes the time commitment to fill out an initial survey. (I was able to get the 400 miles after about 15 minutes. Some people only get 5 miles, but that’s enough to trigger the 1,000 point bonus.)

This promo can also be used to reset the expiration of your Alaska Mileage Plan miles for another 24 months. If a Mileage Plan account is inactive for 2 years, Alaska Airlines may close the account, delete any mileage balance and reassign the Mileage Plan number. Deleted mileage can be reinstated for a fee for up to 1 year.

Dash for Miles Challenge Offer Terms & Conditions:

Limited time offer valid August 7, 2017 through September 30, 2017: Mileage Plan™ members who register for this offer and complete at least one transaction with each of Mileage Plan Dining, Mileage Plan Shopping, and Miles for Surveys during the promotional period will receive 1,000 bonus Miles for each partner they earn with. Registration is required prior to the first qualifying transaction. Bonus Miles do not count towards Mileage Plan Elite Status. Bonus Miles will be awarded within six weeks of the last qualifying transaction posting to a member’s account. All terms and conditions of the Mileage Plan program apply. Offer subject to change without notice.

1,000 Marriott Rewards Points for New Visa Checkout Customers

visacheckoutHere’s another promotion for Visa Checkout (they are really pushing this thing). Create a new Visa Checkout account from Marriott.com and earn up to 1,000 free Marriott Rewards points: Earn 500 points when you sign up for Visa Checkout on Marriott.com and 500 points when you use Visa Checkout within 15 days of signing up.

Stack with the Starbucks / Visa Checkout promo. You can have multiple Visa Checkout accounts (each one needs a separate e-mail/phone number and credit card). For this promo, the e-mail address must match between Visa Checkout and Marriott Rewards, so you might need to change one or the other beforehand. Fine print:

Offer valid through 9/24/17 while supplies last. Only new Visa Checkout users eligible. Address on Visa Checkout account must match email address associated with Marriott Rewards member account. […] Allow 6 to 8 weeks from the end of the Promotion Period for delivery of the bonus points award. Marriott Rewards members who have elected in their account profile to earn miles are not eligible for the Promotion.