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Honey: An Honest Review
TL;DR: It’s worth using but don’t expect miracles. So Honey is this app that’ll run coupon codes/promotions automatically whenever you’re about to make a purchase. The point is that it can find discounts for you without you having to scour the internet. I’ve had the Honey extension installed for a couple years and I’ve saved maybe around $50 total (as a guess). Honey coming up with promos/discounts I could actually use is infrequent enough that I’m not super excited about it. I also still end up scouring the internet for promos and occasionally find things Honey misses. However, it is totally passive so I keep it. It has somewhat recently…
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10% Off Doordash
TL;DR: Samsung pay is currently offering $50 Doordash gift cards for $45. Not bad for a delivery service that you may need during this pandemic! You can of course stack this with a credit card too – you’ll be getting your credit card cash back as well as some nominal Samsung points (though those are worth virtually 0 now). This significantly lowers the cost of using Doordash, especially if you have a Dashpass, and/or you’re new to Doordash and you get $5 off your first 3 orders as well. Happy Doordash’ing! TheJKW
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The Master Guide Continues (at Step 2: Income)
It’s about Income! Check it out! TheJKW
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Visa Signature Benefits
TL;DR: Your credit card may have more perks than you thought! When we compare credit cards, we focus on the perks/benefits from the card itself, and whether the card is a Visa/Mastercard/Amex/Discover/etc… card is almost an afterthought. However there’s a lot more to those payment networks behind the cards, and I’m just going to quickly highlight Visa. They have things like $5 off $50 orders on Target, auto rental collision damage waivers, potential price/purchase protection, and so on. I’d recommend spending some time and reading up on it. Happy Visa’ing! TheJKW
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5% Back on UberEats!
TL;DR: Ibotta is offering 5% back on UberEats orders It’s not bad at a time like this to keep your food game up while supporting local restaurants. You just have to click through Ibotta to get to the UberEats app for the 5%, and you’ll be able to earn the cash back on your Ibotta account. They’ve got other offers on there, but I gotta be honest – I’m looking into naiceee using it a bit more often but it’s not exactly passive. You can sign up here and use code “wrfhulp” to start with a $10 bonus! Happy Ibotta’ing, TheJKW
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70% back on Ubers?!?!
TL;DR: For at least the next 4 days, Drop is currently offering 700 pts per $1 spent on Uber rides. Ok, so Drop has been sucking a little lately because of how they keep raising the minimum requirements for gift card cash outs. Currently the minimum is $75 for cash outs, unless you buy through one of their deals then the minimum is lowered to $25. This is much worse than the previous minimum of $5. Yikes. However, this offer seems too good to ignore – you can get 700 points per $1 spent on Ubers through their “boosted” deal. In the current environment, it’s super helpful to have the…
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Check your mortgage rates
TL;DR: Rates have fallen Usually mortgage rates follow the 10-year bond rate, which has fallen a lot recently. If you’re fortunate enough to be able to think about this, it may be time to ask for some quotes. Even if mortgage rates haven’t completely kept up with the fall recently, there’s a chance they may in the future, and it may be time to start thinking about that. That’s whether you’re buying or refinancing. Happy Rate’ing, TheJKW
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Covid-19
TL;DR: Social distancing is important. This week I’m going to take some time to acknowledge the current state of the world, as states in the US are beginning to shut down. As of this writing, the death rate across the world is 13% (high risk individuals include older folks and those with pre-existing conditions). While the Coronavirus poses a low risk to most of the healthy population, the infection is extremely contagious. Even if you are not at high risk, anyone can be a silent carrier with no symptoms and spread the disease. Please, for the sake of yourself and others, stay home when you can. As for your finances…
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Time to Review FDIC insurance
TL;DR: Check that your banks offer FDIC insurance. In the 2008 crash, some people who banked with banks that went under couldn’t get into their own funds. Since then the world has learned a lot, and FDIC insurance (which is meant to protect us consumers from that) raised it’s limit to $250k. With the given market conditions, it’s time to double check our bank accounts and make sure we’re FDIC insured. That means: Double checking your bank accounts is FDIC insured, and your securities in brokerage accounts are SIPC insured. And check You’re not over the limit at any one bank. If that doesn’t make any sense I’d suggest Googling…
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Empyr Rewards
TL;DR: Supercharge your rewards with an Empyr-backed app, which stacks with the Rewards Network and a credit card. Empyr powers a number of different rewards programs for restaurants and other activities – and all you have to do is link a card and activate your offers. My favorites are Payce and Mogl. (Specifically for me the 5% back at AMC/CVS on Payce, and the offers for restaurants at Mogl). Because these offers are for different categories, I attach different credit cards to take advantage of both – you can only link one credit card to one Empyr program. Because Dosh recently moved off the Empyr network, you could get both…