Pay Your Rent with Credit Card With No Fees With RadPad and Android Pay

Update: This offer was ended early, basically saying they had to break their word because they were faced with huge losses. Not a well-run promotion.

radpad0With a new promotion by RadPad and Android Pay, you can pay your rent with a credit card (Visa, Mastercard, American Express) and earn points/miles/cash rewards through the end of 2016. Your landlord will simply receive a check on your behalf from RadPad.

Android Pay requires an NFC-enabled Android device running KitKat 4.4+ and the Android Pay app. A partial list includes LG G4, LG G5, HTC One M9, HTC 10, Nexus 6P, Nexus 5X, Samsung Galaxy S6 and S7, and Moto X. Here is a 3rd-party list of NFC-enabled phones.

You must log into Pay with Radpad from an Android device or use the RadPad app, and then pay using Android Pay.

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If you have a compatible phone, this promo seems like an easy way to rack up some extra frequent flier miles or satisfy a bonus requirement. You can schedule payments ahead of time if you wish. The standard fee is otherwise 3.49% for credit cards and free for debit cards. (You can now search for an apartment, sign your lease using Docusign, and pay rent using your debit card for free, all through Radpad.)

Free Two-Month Pandora One Subscription

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.

The plan will automatically renew to $9.99 a month unless canceled. Thankfully, you can choose to cancel now (or at any time) and your service will keep working until the end of the three months. Not valid for current customers. While supplies last, over 10,000 taken already.

Google Photos: Unlimited Free Photo Storage Ends June 2021

Updated 2021. Google announced it will stop offering free unlimited storage for high-quality photos on June 1, 2021. All photos uploaded before that date will not be counted towards your storage limit. Photos uploaded after that date will count towards your Google Drive limit (15 GB standard). If the account is inactive or exceeds the 15 GB limit for two years, Google may delete your photos.

Original (outdated!) post:

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Google may already see all your search queries, have access to all your e-mails with Gmail, and now it wants to store all your photos. Why would you let them? How about unlimited space. Free. From the Google Blog:

Google Photos gives you a single, private place to keep a lifetime of memories, and access them from any device. They’re automatically backed up and synced, so you can have peace of mind that your photos are safe, available across all your devices.

Google Photos will store unlimited images for free, with a few conditions. You can choose from one of two options:

  • High quality – Unlimited free storage. Recommended for phones or point-and-shoot cameras that are 16 megapixels (MP) or less. Good for typical printing and sharing. Will be compressed using their special algorithm. Anything under 16 megapixels will have minimal degradation of quality, supposedly it is optimized so that visually you can’t tell the difference. Anything bigger than 16 megapixels will be downsized to 16 megapixels, which can be significant for DSLR users.
  • Original quality – Limited free storage: Uses your Google Account’s 15 GB of free storage. Recommended if you take photos with a DSLR camera and want to maintain the exact original quality. Recommended for printing large banners or to store your original files. Store your photos and videos exactly as you captured them.

Google Photos will store unlimited video for free at 1080p quality. This is pretty big for me, as my videos take up the most space and right now I don’t pay to back them up in the cloud – only on external hard drives. If you upload something 4K, it will downsize to 1080p.

As you might expect with Google, they have also tried their best to make searching through your huge image library as easy as possible:

VISUAL SEARCH: Your photos are now searchable by the places and things that appear in your photos. Looking for that fish taco you ate in Hawaii? Just search “Hawaii” or “food” to find it even if it doesn’t have a description.

There is even facial recognition that groups photos with the same face. The app automatically creates collages of similar photos, albums of photos taken at the same time and place, and even animations.

Amazon Prime members can get free unlimited photo storage, but only 5 GB of free video storage.

Here are the links for the Web interface, Android app, and Apple iOS app.

Free Airport Lounge Pass with LoungeBuddy and Visa

loungepass0Update: LoungeBuddy ended the offer really early. Sorry!

LoungeBuddy is a smartphone app that helps you navigate airport lounges around the world. Their new promotion offers a free airport lounge pass (up to $40 value) when you book with LoungeBuddy and pay with your Visa card. Valid until 10/31/2016 or until supplies last. One per customer.

Be sure to book online through LoungeBuddy.com/visa and not through their app. You will be limited to select airport lounge partners. For example, I only see one lounge for Los Angeles International (LAX):

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Here are the full terms and conditions.

I keep the LoungeBuddy app on my smartphone, and have found it very handy if you participate any sort of lounge access program and want to optimize your usage.

Google Play Promo: 75% off any Movie Rental

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Here’s another small but easy promotion. Get 75% off any movie rental on Google Play with code PAYPALCAUS. If you click on the link, it should already be applied. So a $4 rental will only cost you a $1. Redeem by 8/31/16 and rent by 10/31/16. Hey, it’s easier than dealing with Redbox.

Enjoy a discounted movie rental, compliments of Google Play and PayPal. Choose from thousands of titles in the Google Play Movies Catalog. Redeem your offer by August 31, 2016 and complete your movie rental purchase by October 31, 2016.

SPG 20% Transfer Bonus: 20,000 Starwood Points = 30,000 American Airlines Miles

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American Airlines (AA) has a new promotion on transferred Starwood Preferred Guest (SPG) Starpoints, where they will add a 20% bonus on any transferred AA miles from 8/1 to 9/14/16.

Starpoints are already quite flexible and transferrable to multiple airlines on a 1:1 basis (which is why everyone likes their credit card). Even better, when you convert a minimum of 20,000 Starpoints to miles, you get a 5,000 mile bonus. (If you only convert 19,999 Starpoints, then no bonus.)

Therefore, combining the two gets you this:

  • You ask to convert 20,000 Starpoints to 20,000 American Airlines miles.
  • Starwood will add 5,000 miles, and the miles will arrive in your account in 3-4 days.
  • American Airlines will add another 20% (5,000 miles) in 7 business days.
  • 20,000 Starpoints is now 30,000 American Airlines miles.

From the terms and conditions:

To earn the 20% conversion bonus, member must convert points from the Starwood Preferred Guest program. This offer is non-transferable and non-reversible.

Bonus miles will be posted by American Airlines to the qualifying AAdvantage® member’s account within 7 business days after the initial conversion activity has been posted by Starwood Preferred Guest. Bonus miles earned in this promotion do not count toward elite status qualification.

American Airlines also recently updated their award redemption rules so that they are less valuable in many instances, so be sure to check first before transferring. Also, note that you are allowed to place a free 5-day hold on award redemptions. Therefore you can hold an award first and then transfer over Starpoints, although the 20% American bonus portion may not arrive in time.

Download Free App, Get Free $10 AppStore Amazon Credit

haydaySeems easy enough. If you have an Android device including Amazon Fire Tablets, download the Hay Day app for free and get $10 Amazon appstore credit. I have no idea what the game is about, but if the credit is indeed only for apps then I can buy an educational app for my preschooler. (We like the Endless series by Originator, and Endless Alphabet is free with Amazon Underground.)

For a limited time, customers who download Hay Day from Amazon Appstore between August 1, 2016 and August 31, 2016 will receive a $10 credit toward purchase of digital content in Amazon Appstore. Only customers who have not previously downloaded Hay Day from Amazon Appstore are eligible for this offer.

Update: This is showing up for me as a $10 Amazon credit towards anything shipped and sold by Amazon. Just add any items over $10 that is shipped and sold by Amazon to your cart, and you should see this. I just added some enzymatic dental chews for my dogs for $12.08 and saw this:

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As of 8/3, they added the following sentence to the terms and conditions: “Please note, it may take up to 48 hours for you to receive an e-mail confirming that the $10 Amazon credit has been applied to your account.” As of this day, the credit also appears to be limited to App Store purchases as well.

Comcast Internet Essentials Review: Affordable Internet Access For Low-Income Households

comcastieComcast offers an affordable internet access program called Internet Essentials that provides high-speed internet service for $9.95 a month + taxes, a subsidized $150 computer with Microsoft Office, and free digital literacy training to eligible groups. Over time, they have expanded their eligibility rules and also added new features. Specifically, you now get:

  • XFINITY Cable Internet Service
  • 10 Mbps download & 2 Mbps upload speeds
  • No credit check
  • No activation or installation fee
  • No contract
  • Free modem + WiFi router rental

Here are the current ways to qualify for this program.

Low-income Families. You are eligible if you have at least one child who qualifies for the National School Lunch Program. If I read the income guidelines for the NSLP correctly, a family of 4 within the contiguous 48 states can’t make more than $31,590 a year to get free lunches during the 2016-2017 school year.

HUD Housing Assistance Households. You are eligible if you receive HUD housing assistance such as Public Housing, Housing Choice Vouchers (Section 8 Vouchers) or Multifamily Vouchers (Project-Based Section 8).

Seniors Pilot Program. You must be 62 years old and live in one of the current eligible areas. You must also be enrolled in an eligible state or federal public assistance program. As of mid-2016, the list includes Boston, Palm Beach County, Philadelphia, San Francisco, and Seattle.

Community College Student Pilot Program. You must be enrolled in an eligible community college, and also be a Pell Grant recipient. As of mid-2016, the list includes select community colleges in Colorado and Illinois.

In addition, for all groups, you must not have any outstanding debt to Comcast that is less than a year old. Families with outstanding debt more than one year old may still be eligible. You must also live in an area where Comcast Internet Service is available but have not subscribed to it within the last 90 days.

Problems and controversy. If you are already a low-income family that stretches to pay for Comcast internet access, you would need to cancel your existing service and then wait for a full 90 days before signing up for Internet Essentials. If the idea is to give your children the educational benefit of internet access, then it may be difficult to go without internet for 90 days.

This program is not supported with government taxes. Instead, it is a way for Comcast to make happy with various government regulators when they want to merge with another huge company. Indeed, Comcast as a monopoly or part of a duopoly in most areas may be the reason why average people are being charged $40 or $60 a month for basic internet access in the first place.

In any case, it exists, millions more households are eligible that aren’t signed up, and I think it is worth spreading the word. Apply online at internetessentials.com or over the phone (1-855-8-INTERNET or 1-855-846-8376).

Ally CashBack Credit Card Review: 2% Cash Back on Gas and Groceries + 10% Relationship Bonus

allycbccIf you have an Ally Bank savings or checking account, you’ve likely been pitched their new Ally CashBack credit card recently. Here are the highlights:

  • $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles.
  • 2% cash back at gas stations and grocery stores
  • 1% cash back on all other purchases
  • No limits on rewards categories.
  • 10% boost on earned rewards when you deposited into an eligible Ally Bank account.
  • No annual fee.
  • Intro 0% APR for 12 billing cycles on balance transfers. (No 0% APR on purchases.) Balance transfer fee is either $10 or 4%, whichever is greater.

As with all the big banks, Ally is working on their cross-marketing. They want you to keep your checking, savings, IRAs, brokerage, and credit cards all at the same place. Ally’s strong in the online banking side (named best online bank by Money Magazine for the fifth year in a row). Credit cards are here, and a brokerage arm is just around the corner (TradeKing). I am personally interested in such convenience, as for years Ally Bank has been my primary checking, savings, and CD accounts.

Including the 10% relationship bonus, this Visa Signature card would get you 2.2% cash back on gas stations and grocery stores and then 1.1% on all other purchases. While this structure is better than the traditional 1% flat credit cards, the competition has heated up in the last few years. Consider:

The best program to compare against is Bank of America. The BankAmericard Cash Rewards Credit Card offers 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Bank of America also offers a 10% bonus on rewards earned when you redeem your cash back into a Bank of America checking or savings account. However, they also have premium relationship tiers that offer up to a 75% bonus on rewards that would work out to 1.75% cash back on every purchase, 3.5% at grocery stores and wholesale clubs, and 5.25% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. To me, this made it worth it to build up a “relationship” with them, including opening up a new brokerage account and new credit cards.

Ally touts this new card as “simple”, but what would have really been simple is a flat 2% cash back card on everything and then a small relationship bonus on top of that. That way, when taken together with an Ally Bank account, the card would have been the best in many respects. Combined with their high-interest deposit accounts, you’d have a combo that could shake up the industry. The weakest point of my Bank of America combo is their piddly 0.05% APY on savings accounts and sad CD rates, whereas one of the strongest points of Ally is the 1.00% APY of their savings account and highly-competitive CD rates.

Bottom line. The rewards are above-average overall, and might be worth a look for Ally-centric customers. However, there are top cards in the marketplace that offer close to a flat 2% on everything, and better gas and grocery-specific cards as well. I personally prefer to pick things à la carte unless the sum is greater than the parts, as is the current situation with Bank of America.

Google Fi: Simple, Pay As You Go Cell Plan With High-Speed International Data Included

filogoWe recently returned from a family trip to Europe, and I found myself missing my data plan more than ever before. I kept thinking about the slow 2G data that T-Mobile includes in their postpaid plans and how it might power data-light apps like maps, weather, Uber/taxi, and public transit “when is the next one coming?” apps. (Oh, how it would have helped in the pouring rain in the middle of the city with a 1 and 3-year old…) Why couldn’t this be offered to the rest of us for a half-decent price? I didn’t even consider surfing the web fully, watching a video, or streaming GPS directions due to the fear of a huge bill.

If you are a regular international traveler, you may have heard of the Google Project Fi cell phone plan. Here are the basics:

  • $20 a month flat for unlimited domestic talk and text, unlimited international texts, and tethering. Non-WiFi international calls can get a bit expensive, $0.20 per minute inside the UK for example.
  • $10 a month per gigabyte of data used, either domestic or international. You pay only for what you use, down to the penny! So if you use exactly 1.4 GB of data, you end up paying $14.
  • No annual contract.
  • Taxes and fees not included, as with other postpaid plans.
  • You must use an approved Google phone. The new ones on sale are the Nexus 6P and Nexus 5X (starts at $199 with activation). The older Nexus 6 is also an option.
  • Once you have activated service, you can add additional tablets like select iPads using their data-only SIM card, all while sharing the same data plan.

In the United States, your phone will switch between Sprint, T-Mobile, and US Cellular networks based on which has the best signal. You have full access to the fastest 4G LTE networks where available.

Previously, international data was throttled to 256 kbps, which is roughly 3G speed. On July 12th, 2016, Google announced that due to an agreement with Three, those speed caps will increased “10-20X faster than before”. That means you’d be getting close to full 4G LTE speeds for international data. They also announced a limited-time offer of $150 off the Nexus 6P, bringing the base model down to $349 with activation.

There are some cons. If you are a big domestic data user and/or you have a family plan, Google Fi can end up being more expensive than existing plans from the major providers. There also doesn’t appear to be any plans to support other phones like Apple iPhone or Samsung Galaxy.

Bottom line: Although it won’t work out as the cheapest for everyone, the simple elegance of this plan is the most intriguing feature. For you “digital nomads” out there, recent changes now make Google Fi one of the best plans for frequent international travelers that want high-speed smartphone data wherever they go.

UberPool vs. Public Transportation: New York City Promotion

It’s no secret that Uber wants to take over the world… or at least replace individual car ownership. Uber just announced a New York City UberPool promotion that offers unlimited rides this July and August:

  • Two-Week Unlimited Commute Card (July or August) for $49
  • Four-Week Unlimited Commute Card (July or August) for $79
  • Eight-Week Unlimited Commute Card (July and August) for $159

Trips must begin and end in Manhattan below 125th Street. Valid Monday–Friday from 7–10 AM and 5–8 PM. Valid for both new and existing Uber riders. A quick view of how UberPool works:

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Quartz ran some rough numbers that found that this promotion can make with UberPool cheaper than taking the New York City Subway:

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For now, this is a limited promotion. But I wonder about the future. Even as someone who lives in the suburbs, I have enjoyed the convenience and savings of Uber.

Amazon Prime Day 2016 Deals, Wal-Mart Free Shipping

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(Amazon Prime Day was July 12, 2016 and is now over. Some of the related deals below may still be live.)

Last year, Amazon made up it’s own Black Friday-esque holiday and called it Amazon Prime Day. It was mostly disappointing, but this year they have promised to do better and said that any marked deals will be at least a 20% discount from the previous 90-day average price. Hopefully, it will be worth a look and you’ll be able to save money on things you’ve been looking to buy anyway.

You must be an Amazon Prime member to get in on the deals, but free 30-day trial members also count. If you have a .edu e-mail address you can get a 6-month Amazon Student trial and $10.

Here are all the Amazon Prime Day deals, which will last until the end of July 12th 11:59pm Pacific. Selected ones below:

Other Amazon deals that are available:

  • Alexa users can get a $10 discount on their first Amazon order using Amazon Echo, Echo Dot, or Amazon Tap. Talk to your cylinder to find out more.
  • You can buy an Amazon Dash button for 99 cents and get $4.99 credit towards your first purchase. These WiFi-connected buttons can be hacked to do other things.
  • Free gift if you buy something $50+ from your Amazon baby registry.
  • $10 off your first Amazon PrimeNOW order of $20 or more with coupon code 10PRIMENOW. Do this by 7/12 and you’ll get another $10 off coupon on 7/13 that will be valid through 7/31.
  • Get 20% off Amazon Warehouse (open box and/or used items) with promo codes WDEARLY20 or WDEARLY.

I’ll try to update if anything interesting comes up. Note that other merchants will be piggy-backing on the publicity bandwagon. For example, Walmart.com is offering free shipping with no minimum purchase size through 7/15. Stack this with limited-time 5% cash back + $10 new user bonus from eBates, or the free 120-pack of water balloons from Wal-Mart offer ($14.43 value) for new TopCashBack members.