Your new Refer-a-Friend link

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Please use the link and email me back. I will pay you back $20 worth of items or cash.

Xoom Refer-A-Friend Program
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Hi,

Thanks for participating in our Refer-a-Friend program. We recently upgraded our technology to make it easier than ever to refer friends and receive rewards.

Please use the link below to Refer-a-Friend. (Your old link will no longer work.)

http://refer.xoom.com/s/scyoy

This is your personal link to share with as many friends as you like.
If you have any questions, please feel free to email us or call anytime.
Toll-free: 1-877-815-1531 | From outside the U.S.: 1-415-395-4225
Thanks again for passing the word about Xoom!

Sincerely,
The Xoom Team

___________ Prefer to Refer-a-Friend on Facebook?
No problem. Here’s your link to start sharing on Facebook.

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If you do not wish to receive additional email invitations about this promotion, please click here.
If you have any questions, send an email to customerservice, or write to:
Xoom Refer a Friend c/o Extole
425 Market St.
San Francisco, CA 94104

Rebtel signup bonus

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Rebtel signup bonus.

Use the link below to signup for Rebtel.com great low India and Pakistan calling rates and get $5 free credit.

http://reb.tl/YDFDfp

Money Transfer to India? Try Xoom.com and get $25 free!

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Xoom: I LOVE IT! Earn a $25 gift card when you send money internationally.

Use the link below to signup and transfer your money! You will get $25 free.

http://refer.xoom.com/a/clk/20fMl6

Newspaper subscription deals- LA times, Wall Street Journal, Washington Post

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Believe it not, newspaper deals were available at such a great rate few years ago, you will get a heart attack if you are market for print edition subscription for newspapers or magazine. Some magazine deals can be still found. Try to find a website that has affiliation with Bizrate.com. Once you make a purchase, the BizRate will pop up and ask you to fill up a quick survey. Do that. Once you fill up the survey, it will offer great magazine subscription deals like Time magazine for a full year for $2!! You can get many magazines like Sports Illustrated, Travel, Bloomberg, Money, Businessweek etc just for $2 per year. The catch is they auto renew so if you don’t want them to renew, you call and cancel. Or while signing up, use some Visa/Amex gift card so they can’t automatically bill on it later.

Newspaper subscription deals for LA times, Wall Street Journal, Washington Post can be found at:

http://deals.profitfromprices.com/Best_newspaper_subscription_offers_deals.htm

Some markdowns

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http://www.rather-be-shopping.com/blog/2014/05/13/best-day-of-the-week-to-make-purchases/

Best day of the week for shopping. See link above for tips:

Have you ever been staring at that awesome blender at Costco, dreaming of blending your fruit smoothie with ease, and notice the odd price tag of $149.97 and wonder how the heck they came up with that price? If you are normal, probably not. But after you read this article you’ll be checking out every price tag you see because if you know what to look for, you can quickly determine if the price might go even lower or if it’s as low as it’s going to go. How? Well, many stores use an internal pricing system which shows you if an item has been marked down, if it will be marked down again, or if it’s a final markdown. You just gotta be able to crack the price tag code. Thanks to former employees and code crackers like me, you too can join the ranks of price tag checkers. Here are the details from some of your most popular retailers (in alphabetical order):

Here is another one important:
http://www.rather-be-shopping.com/blog/2013/09/24/retailers-big-secret-crack-the-price-tag-code/

Costco Wholesale

I found the Costco pricing system to offer the most potential savings if you are a diligent and always examine the price shelf tags before making a purchase. Here is what I discovered:

  • Prices ending in .99 – this is the full retail price of items at Costco.
  • Prices ending in a 7, namely .97 – means it is a buyer designated markdown and offers substantial savings over the full retail price.
  • Prices ending in .00 – this is typically a “returned unopened item that has already been deleted from the system or a one-of-a-kind item.” Usually it’s a marked down price and a great buy. Thanks to Eric for passing this tip along.
  • Price Tag with an Asterisk (*) on it – if you can find products ending with a 7, along with an asterisk in the upper right hand corner of the shelf tag, you are getting the best price at Costco. The asterisk means the item is “Pending Delete” and will be removed from the warehouse once it sells out. The above Costco price tag has an asterisk in the upper right hand corner.
  • All other pricing – If the price ends with something other than a .99 or 7, it is typically a manufacturer’s special or manager’s special. These ending prices will vary from store to store. I am currently attempting to get more concrete details on these.
  • Date Under the Price – In small print, under the price, is a date which tells us when the shelf tag was either created or had a price change. If the item is regularly stocked and has a fairly recent date on the shelf tag, you can typically take that to mean the price was lowered on that date and is a smart buy.
  • Bonus: To save even more at Costco, check out our article 10 Best Way to Save Money at Costco.

Xoom.com has best current conversion rates and fast service to transfer money to India.

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(Source: http://jayesh.profitfromprices.com/India_Money_transfer_services.htm)

Xoom.com: Like PayPal, you can fund your transfer with any Credit or Debit card, or from a bank account transfer. For Credit card funded payments, they will charge a higher fee but it is still very low compared to PayPal.com. Plus, your credit card issuer may charge such transaction as money advance and you may end up paying some fees to it. So use a debit card or a bank account to lower your transaction fees. However, at the time of transfer, enter the coupon code COMEBACK2014 and your transfer will be free.

The benefits: Your counterpart in India will get money within hours!! Plus their USD-INR rates are very good. Nice website. I loved their service when I tried it yesterday. You can access them and look at current promotions by clicking here.

Also, for a limited time, Xoom.com offers $50 Amazon gift card when you transfer $150 or more.

Fat wallet account opening bonus.

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Use this link to Sign up for your Fatwaller account. Link: http://www.fatwallet.com/?referral=pateljr
After you signup, email me your email address and I will give you back $8 when I get paid.

Get $20 for inviting 2 friends. Bloggers, get up to $1,500! See Webview
Visit FatWallet.com My Account Blog Refer a Friend
Cash Back Stores Coupons Sales Product Deals Local Deals Forums
Get $20 for inviting 2 friends
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A “qualified referral” is a new member of FatWallet referred by you that signs up at FatWallet.com during the referral period starting January 1, 2014 and ending March 31, 2014 and that complies with the rules set forth below. If a qualified referral makes purchases totaling $25 or more that earn cash back within one year following signing up, FatWallet will pay you $5 for each such qualified referral. FatWallet will pay you an additional one-time bonus for the referral period if two (2) or more of your qualified referrals each make purchases totaling $25 or more that earn cash back before the end of the referral period. You will receive the highest one-time bonus for which you qualify in the table above. Your one-time bonus will be added to your FatWallet account at the conclusion of this promotion. A qualified referral must be made using your custom referral link, (i) the invitation forms on this page or (ii) other methods supplied by FatWallet that allow for proper tracking of referrals. The following activities are not permitted and will disqualify you from earning a referral bonus: (i) self-referral, (ii) posting your referral link on any FatWallet merchant’s Facebook or forum page, (iii) keyword bidding for the purpose of generating traffic to pages containing your referral link, and (iv) any similar activity determined by FatWallet in its sole discretion to be inconsistent with the purpose of the FatWallet Tell-A-Friend Program. FatWallet decisions are final. You are responsible for any applicable taxes. This referral bonus promotion is open only to individuals who are legal residents of the fifty (50) United States, the District of Columbia or Puerto Rico and are at least eighteen (18) years of age.
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Certain prices, offers & cash back are valid until 11:59PM CT today and subject to change. See site for details or restrictions.
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Stock Brokerage accounts

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Best stock trading account offers or new stock account promotions- Around 100$ incentive

How much you are worth to a stock broker company? Usually 100$ plus free trades.

Most people go directly to websites of TDAmeritrade, E-trade, Fidelity, Scottrade or Choicetrade and open their account online. Instead of going directly, go to Google or Yahoo and search for current promotions. I am not going to say which is the best online broker. I will leave it to you. I have accounts withTDAmeritrade (use this link and you can get up to $600 additional bonus!), FidelityETrade and Choicetrade (and now with Zecco too. Zecco sucks though. Click here for “Zecco IRA” account review.). For most of the accounts, I am paid 100$ or so. I do most of the trading with TDAmeritrade and ETrade but if you are looking for minimum research and use no tools as such, I would advise to minimize commissions and recommend to explore ChoiceTrade.

Anyway, this page is not to recommend any brokerage firm as such. We do not know who is the best online broker. You do your search. There are many websites that compare brokers. Just make sure the broker you select is SIPC member. SIPC is like FDIC for banks. SIPC insures your account up to million dollars so if I always make sure the broker is member of SIPC (most of the online brokers are insured with SIPC though.

Some notes based on experience:
Zecco :It is a shame on the industry.
1) It is frustrating to deal with their customer service and their trading policies (As always, there is no free lunch in financial markets LOL).
2) They charge $30 annually for an IRA account.
3) To close out an IRA account you need to pay at least $80. $50 for Account Transfer- which is compulasy. They just do not issue you a check for depositing into another IRA account. Plus they will charge $30 in account closing fees.
4)
 If you have a cash brokerage account instead of margin, you can NOT sell one stock and buy another same day! You have to wait 3 days before you can buy stock or use the fund of your sell trade!!!

(If you like to follow stock market, here is a blog that lists Best Stock Market related news/articles on the web)

 

If you like a specific broker, search for offers from that specific broker. It is best to Google for new account offers. Try searching for ‘TDAmeritrade new account offers’, ‘etrade promotions’ or ‘scottrade deals’. A 10 minutes spent on Google can find you some great offers. So why open an account for free when you can get money for opening the same account?

Current TDAmeritrade Stock Trading new account offers

Etrade Account opening bonus offers

Scotttrade new account bonus

Are you ready to get your $100-$200? Search Google from right here:

Google

Credit Card deals

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1. Credit Card Incentives:

How much you are worth to a credit card issuer? Usually 100$-$500. Most people open a new credit card account online or on the phone. We also keep getting lot of credit card offers in the mail. The fact is, ‘customer acquisition cost’ for a credit card company run into 100s. Issuing credit cards has become a profitable business from variety of things- the interest rates are high on credit card balances plus credit card issuers, VISA, MASTERCARD, AMEX and DISCOVER, charge around 2% fees to merchants on every transaction. This sums up into lot of income for credit card issuers and also for credit card networks. If you don’t believe me, look at the stock prices of V (VISA) and MA (Mastercards)

I don’t want to tell you which is the ‘best credit card’. You make your own choice. Few things to consider are annual fees, rewards or cashbacks and APRs. If you intend to carry balance on your credit card, let me tell you that your every credit card issuer is going to love you. This means you have a higher value provided your credit score is good.

How to find credit card offers? Most offers are available online. Most aggressive credit card issues are Citicards, Sony, Airline companies, Chase, Bank of America etc. So look for their reward/cash back cards that offer you at least $100 upfront. It is not hard to find credit card they give you up to 25000 points or miles which translated into roughly $250.

Citibank, Chase are most aggressive. They always have some cash promotion for new credit card accounts with them. So it is best to Google ‘Citicard credit card promotions’ or ‘Chase credit card offers’. You can also do a general search for ‘Credit card offers’ or ‘credit card deals’. A 10 minutes spent on Google for credit cards can find you some great offers. So why open an account for free when you can get money for opening the same account?

Are you ready to get your $100-$200? Search Google from right here:

Google

2. Credit Card Rewards:

If you are still one of those unfortunate people who get only a credit card bill every month from credit card company, wake up. Besides monthly bills, you should be getting some cash back, points or miles to redeem for variety of things. Some credit card issuers do not pay anything upfront but pay you accelerated rewards- like up to 5% on gas purchases or grocery purchases for up to first 12 months. For an average US family that spends around 20,000 in purchases a year, the credit card rewards should bring in around $200 every year.I am planning to list below some good credit cards you should own from Sign-up bonus and Cashback rewards perspective.

Highlights:

The Chase Freedom Visa Credit Card offers 5% cash back on where you spend the most (15 categories). Categories include: Grocery Stores, Gas Stations, Fast Foot Restaurants, Cable/SAT TV/ISPs, and more. * Earn 5% Cash Back for every $1 spent in your top 3 categories * Earn 1% Cash Back for every $1 spent in purchases everywhere else * Save up $200 in rewards and redeem for $250 cash back * No Annual Fee * Get $50 Cash Back after your first purchase!

Do you keep balances on your credit cards? Here are some great 0% APR Cards.