Tuesday, August 28, 2012

e-Miles: earn miles for free

I love accumulating airline miles. 
e-Miles offers one of the easiest methods to earn free airline miles.  You earn miles simply by viewing short marketing messages and answering a few questions afterwards.

Every few days you can login to your account, click on a few 
advertisements, and you will quickly start to earn e-Miles miles which can be deposited into various frequent flyer programs, hotel programs and more. 

Sunday, August 26, 2012

Making mobile investments with Vanguard

I’ve talked about investing with Vanguard before.  I prefer Vanguard for their low expense ratios, no account maintenance fees, and no load fees when it comes to setting up an IRA. 

Today I will talk about making mobile investments.  Vanguard offers several ways of making mobile investments that you can see here including: iPhone, iPad, and android devices. 
If you regularly follow any news, check out yahoo finance, or listen to NPR from time to time, you will always hear status updates on the stock market, including updates on how the DOW, S&P 500, and NASDAQ indices are doing.  These indices are a simple way to measure the performance of big companies trading in the US stock market. 

It’s fun to watch the market values go up and down in response to economic news in the financial world.  Market value fluctuations will have a direct effect on any investments you have, whether it's for your retirement or for any short term savings goals.  When you make an investment, you can either: invest in one lump sum, or dollar cost average.

Tuesday, August 21, 2012

Chase Sapphire Preferred credit card review

Yesterday my mom asked me: “What is the best credit card for me right now?”

She travels internationally on a regular basis, likes to stay in classy hotels and dine at nice restaurants.  Without hesitation, I told her that the card for her was the Chase Sapphire Preferred.  I’ve talked briefly about my love for Chase and this card in the past. 
Chase makes this card looks so shiny and blue - the real card is actually a dark blue
First thing I did was log in to her Credit Karma account to make sure her credit score was fine.  With a score of 800+, I knew she would have no problem getting approved for this card.  She was happy to see this message pop up after I helped her apply for the card:

Thursday, August 16, 2012

Cash Call Mortgage refinance

As you’ve heard on the news, mortgage and interest rates have fallen to record lows over the last few weeks.  The ongoing debt crisis in Europe, coupled with the slowing U.S. economy, has contributed to these extremely low mortgage rates.

I purchased a home 2 years ago, at a fixed rate of 4.375% for 30 years.  This was a great rate at the time.  However, times have changed, and rates are currently at the lowest they have ever been since long-term mortgages began in the 1950s.

A colleague of mine recently refinanced his mortgage through Cash Call Mortgage division and shared with me how quick and easy his process was.  He referred me to the loan officer who handled his case.
Cash Call.  I know what you’re thinking.  This is the company that used to use Gary Coleman has it’s spokesperson.  That was for the personal loans division of the company, which if you search, has terrible reviews.  I have no experience with Cash Call personal loans.  Today I will share my experience with the Cash Call Mortgage division, which has very positive reviews online.

Sunday, August 12, 2012

Rewards Network Dining Summary

I’ve previously described double dipping as a way to earn extra rewards on top of the regular credit card rewards you’d normally earn with each credit card purchase.

Signing up for Rewards Network (RN) Dining programs is another way to double dip.

If you eat at a RN participating restaurant and pay for the meal with your linked credit card, you will earn:
  1. Points from your rewards credit card of choice that you used to pay for the meal
  2. Extra airline miles, hotel points, or other rewards from the Rewards network

Tuesday, August 7, 2012

The Starwood Preferred Guest® Card from American Express (expired now)

Edit: this deal is now expired!  The current promotion is 25,000 Starpoints (10,000 points after first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership).  This is still an excellent promotion that I would not hesitate to recommend!

One of the best travel credit cards out there is undoubtedly the Starwood Preferred Guest® Card from American Express.  I’ve had my eyes on this credit card for some time, and I’ve been patiently waiting for a good sign up bonus offer to appear.  Well, now is that time.  

From now until September 3, 2013, American Express will offer the SPG card with a 30,000 Starpoint sign up bonus.

The points will be awarded as:
  • 10,000 bonus Starpoints after your first purchase
  • 20,000 bonus Starpoints after spending $5,000 in 6 months
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