-
More Uber Cash back
TL;DR: Ibotta offers $0.75 back per ride with Uber. With Samsung Pay no longer offering $1 back per ride, Ibotta is now a good alternative for getting more rewards for your Uber rides. Remember, you can use this in addition to Drop Rewards, ShopYourWay, Uber’s own rewards system, and your credit card rewards. A full guide is here. Use code wrfhulp to start with a $10 welcome bonus! The Ibotta app’s main feature is also to get cash back on groceries and receipts, if you spend the time to click through their offers. Happy Saving! TheJKW
-
Receipt Hog: More Grocery Rewards
TL;DR: Download the Receipt Hog app to upload grocery/drug store receipts and get rewards! Receipt Hog accumulates points a little bit more slowly than Fetch Rewards it seems. However, it’s also one of the few that requires minimal effort on the user’s part to gain points. Just take a picture and rack up points! Happy Hog’ing, TheJKW
-
Fetch Rewards
TL;DR: Fetch Rewards gives you rewards for shopping. And it’s more passive than other similar apps. Unlike competitors like Ibotta*, Fetch Rewards doesn’t require any work from you except to upload your receipts. They’ll take any receipt, and give you points if what you bought matches any brand they have. Just download it from the app store and start scanning your receipts! Use code Q8DDH to start off with 2000 points (worth $2), and 750 more points for uploading your first receipt. You can start redeeming at 3000 points for gift cards like Amazon. Happy Saving! TheJKW *You can, however, still double up with an app like Ibotta. Start with $10 with code wrfhulp.
-
3%-4% back on Entertainment
TL;DR: Get 3% back on entertainment spending when you use Capital One’s SavorOne card, or get 4% back with Capital One’s Savor card (which comes with an annual fee). Capital One recently launched their Savor and SavorOne credit cards. Their main feature is that they give 3% and 4% respectively on dining and entertainment. They also give 2% back on groceries and 1% on any other purchase. Given that other cards like the Uber visa card give 4% back on Restaurants, the exciting new thing is Entertainment. That’s defined, as described on their website: This is a great way to boost up cash back in another category not really touched by other credit cards. Other differences between Savor and SavorOne: the Savor has a $95 annual fee (waived for first…
-
Uber credits: A guide
TL;DR: An update on getting cash back on Uber Credit Cards. One of the US Bank Cash+ credit card’s 5% categories is ground transportation, which includes Uber and Lyft. If you’d want to use other categories there instead, you can also opt for the Wells Fargo Propel Card which gives 3% back on Ubers, or 4.5% when redeemed for airfare if you use it in conjunction with the Wells Fargo Visa Signature. FreeBird. Download this app to get 250 points per ride (this is $0.5. They’ve cut it down since they started), along with $4 if you’re riding to one of it’s partner restaurants. You get $5 twice a week if you’re riding back home. Use code b2183…
-
Savings: 2.45% APY with CIT
TL;DR: CIT offers a Savings Account offers a rate of 2.45% APY, one of the highest out there. It’s always smart to keep some of your money just in cash and not as an investment for emergencies. Marcus, which I’ve mentioned before, has recently raised their APY to 2.25%. However, CIT has come out with a new savings account with an APY of 2.45%, which beats out most accounts. CIT is also FDIC-insured, and it seems like the way they’re able to offer such a high rate is by running everything online with a very mediocre website. They pass on those savings to the customer. The only catch is you need either a $25k balance in your account or a monthly deposit of $100 to achieve…
-
Earny: Price Protection, Automated
TL;DR: Earny is an app that automates the process of asking for refunds when prices for your purchases drop. Not many people know, but many credit cards come with price protection. That is, for some time period (usually 60 or 90 days) after an online purchase you’re entitled to refunds for any price drops in the products you buy. However, it’s usually a hassle to track all your purchases and reach out to Amazon’s (or whoever’s) customer service when this all happens. Earny does this all automatically. They claim the refunds for you and pass the value on to you. It’s that easy. They also track late deliveries on Amazon purchases and find refunds for you there too. So what’s the catch? There’s a couple. Not all credit…
-
Get Paid to Travel
TL;DR: Airmule pays travelers for free, unused checked luggage allowances. Ever notice how airlines ask in advance how much of your checked luggage allowance you will use on an international flight? They sell unused slots to other companies such as FedEx and UPS and make a bunch of money on it. Airmule changes that dynamic by allowing you to sell your own checked luggage allowance by matching your free slots with courier companies who need to ship packages. The standard rate is about $100-$150 per package per leg of your trip. Not bad! All you do is set up an account and list your upcoming flights. Airmule will match you with packages, and all you have to do is…
-
Investing and Taxes: Continued
TL;DR: Follow the steps at the end to change your Schwab account to automatically help you with optimal taxation Last time we talked about short-term vs. long-term capital gains. However, imagine this scenario. You bought 10 shares of AAPL stock in 2014 at a price of $75. You buy another 10 shares in 2018 at $222. It is now trading at around $160, and you decide to sell 10 shares. When it comes to taxation, is this a short-term or long-term gain or loss? The answer is it depends. The default most accounts give you is FIFO (first-in-first-out), which would mean that you are selling the shares you bought in…
-
Investing and Taxes
TL;DR: Use Retirement accounts, and in general take long-term gains and short-term losses. When it comes to taxes, nothing’s ever simple*. However, when I started I wished someone explained this all to me. How your investments are taxed matters a lot! We’re going to start with the very basics and work on more in the following weeks. There are two main ways investments are taxed: Short-term capital gains/losses: For most investments, when you hold your position (say you buy 1 share of AAPL) for less than a year (i.e. you sell that share of AAPL back out), it becomes a short-term capital gain/loss. Whatever you make or lose is taxed at your ordinary income rate. Long-term capital gains/losses: When you hold your…