CIT Bank CDs With Rising Rate Protection

Update: CIT Bank has closed its RampUp CDs to new customers. Please visit this page for current CIT Bank products and rates.

Previously, CIT Bank offered CDs with some unique features including a “rate bump” option that allows to you raise your rate in the future if the interest rate increases. The second unique feature was that you could add more money to your CD one time at any point you choose throughout the term.

Free Meal Planning Service Membership – Food on the Table

Food on the Table is a meal planning service that tries to link the foods on sale at your local grocery store with recipe ideas to help you plan your shopping and cooking. They have a free trial, but right now if you sign up with promo code MAYFREE you’ll get their “premium” service free for life. There is a free iPhone/Android companion app so you’ll have a shopping list while you’re in the store. The main complaint seems to be that some stores aren’t covered, but my local Safeway store was. The site seems like a work in progress, but it’s an interesting idea.

Simplisafe Alarm Review: Cheap, Effective DIY Home Security


Old security system vs. New security system

I’ve never had a security system until now, other than our dogs which are all bark and no bite. I suppose the main reason for that is that I didn’t own enough property to be worth protecting. Burglars could take everything and it would perhaps fetch $600 total on Craigslist, which is less than what a year of ADT monitoring fees might cost.

Combine the baby nesting instinct with a rash of recent break-ins in our quiet neighborhood, and my mindset has changed. I wanted a home security system, but I didn’t want to pay $60 or even $30 a month for monitoring. The monthly bill is where companies make most of their profit. $60 a month = $720 a year = $7,200 over a decade.

After some research, we settled on a company called Simplisafe. Here’s a list of reasons why we chose it:

  • Wireless. Simplisafe uses GSM cellular technology, which means you don’t need a landline (which can also easily be cut by a criminal). Wireless monitoring was a requirement for me, and usually costs extra with other brands.
  • Affordable up-front cost. The total cost of equipment was about $400 to completely cover my 2,000 sq. ft. house. You could probably cover an apartment or condo for $200-$300.
  • DIY Installation. You order it, and install it yourself using the included 3M sticky tape. No drilling holes. Installation literally took less than half an hour. (Their YouTube video has it done in one minute.) If I moved, I just remove the sensors and buy some new sticky pads for $10.
  • Affordable monitoring fee with no contract. Again, the monthly fee is where your cost over time adds up, and you’re usually stuck in a 2 or 3-year contract. Simplisafe 24/7 monitoring is only $15 a month with no contract. You can add instant text message alerts for an optional $5 a month. That’s is pretty much as cheap as UL-listed monitoring will cost. If you prefer, you don’t have to buy monitoring at all and you’ll just have a loud audible alarm (you can also buy extra sirens) which may be adequate for condos and apartments.
  • Battery-powered. The base station has a rechargeable battery that will last up to 8 hours in a power outage. All the rest of the sensors use their own individual lithium battery. This means the entire system will work in a power outage or if the power is cut on purpose.
  • Expandable. Everything is a la carte on the website, so you buy just as many sensors as you need. They recommend a contact sensor for each entry into the house, and motion sensors to cover important areas.
  • UL-listed 24/7 Monitoring. On a cheap system, I imagined the monitoring system to be two minimum-wage employees taking turns in an apartment. But Simplisafe is certified by United Laboratories just like ADT and commercial fire alarm systems. Central station monitoring is provided by AMCEST Corporation (UL #S2299). This may also make you eligible for a discount on your homeowners or renters insurance.

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Citi ThankYou Preferred Card Review

The Citi ThankYou® Preferred Card from our partner Citi is a rewards credit card where the primary feature is currently an Intro 0% APR offer for 15 months. Here are the highlights:

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% – 25.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

I’ll be pretty frank here. The rewards program on this card is not great. There is not currently a sign-up bonus. You get double points on dining and entertainment, but nothing else. ThankYou points can be useful, but are not even easy to get a cash value of 1 cent per point. The good news is that there is no annual fee, so you can keep your ThankYou points account active without having to pay an annual fee.

Bottom line. Perhaps the card features will change in the future, but at the current time I would definitely recommend the Citi Double Cash Card over this card. The Citi Double Cash earns 2% cash back on all your purchases and the introductory 0% APR on balance transfers is for 18 months. Alternatively, check out the Citi ThankYou Premier Card which has an annual fee but a lot more perks in return.

SunTrust Bank & Delta Check Card – 30,000 Bonus Miles Promotion

SunTrust Bank is offering 30,000 Delta Skymiles for opening a new checking account by 6/30 with qualifying direct deposit and choosing the Delta SkyMiles World Check Card. Available in AL, AR, FL, GA, MD, MS, NC, SC, TN, WV, VA and Washington, D.C. The debit card does have a $75 annual fee but do you get 1 mile per $1 spent (for those that avoid credit cards). However, you don’t get the free checked bags or Priority Boarding of the Delta American Express credit card.

Still it’s not a bad deal, $75 for 30k miles if you live near a SunTrust branch. Some of the text suggests that you can get 15k of those miles with just the new checking account and no debit card, but it’s not entirely clear. Direct deposit must be $100 or more. The “Balanced Banking” checking account option has a $12 monthly fee, waived with a $3,000 minimum balance across Suntrust accounts. Selected fine print below:

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Obihai + Google Voice = Free VoIP Phone Until End of 2012

Update 12/26/12: Now good until the end of 2013. 🙂

Are you still looking for a home phone solution that’s cheaper than a landline? A new startup called Obihai has started making ATA VoIP boxes that are actually easy to set up. You buy their box, add in Google Voice (GV) service, plug in a normal landline phone, and it will use GV to make and receive phone calls. No computer required.

Now, Google Voice/Gmail has promised free long distance within the US and Canada for the rest of 2011 2012. Past that, it’s unknown so I wouldn’t want to commit too much money upfront, even though the box is compatible with other VoIP providers.

They also offer number porting from cell phones now for $20. If you have a landline phone number you wish to port over, you’ll have to port it over to a cell phone first, and then port it over to GV. (Don’t ask me why.)

Available at Amazon, the OBi100 model is currently $43.99 with free shipping, and all you need to get yourself set up. They also have a slightly more expensive OBi110 model that allows you to bridge a traditional POTS landline with your new VoIP gadgetry, which I figure most people won’t need if the point is to save money by ditching your landline in the first place.

Earn 750 United MileagePlus Miles For Joining MyPoints.

Just received this e-mail, does not appear to be targeted. Earn 750 bonus MileagePlus miles when you sign up for MyPoints at their link and keep your membership active for 30 days.

MyPoints is a program where you get points for reading marketing e-mails, taking surveys, and they are also a shopping portal like eBates. I used to use them but haven’t for a few years as the points have gotten even more devalued to the point that I don’t bother accumulating them.

But 750 United miles is worth taking 2 minutes to sign up with a temporary anti-spam e-mail address and forgetting about it. 750 miles is 3% of a 25k roundtrip award. 😉

Amazon Instant Video Free $3 Credit with Twitter Link

Amazon is giving away a $3 credit towards Amazon Instant Video purchases if you connect your Amazon and Twitter accounts. Amazon will make you follow them @amazonvideo and tweet a message about the promo. It kind of worried me giving so much control over to Amazon, but you can always remove the link afterwards. Must tweet by May 1st, use credit by May 31st.

While you’re at it, follow @mymoneyblog as well. 🙂 I do share links and smaller deals on Twitter that you won’t see on the blog. Tweets are re-syndicated on my Facebook page as well.

Blockbuster Express Kiosk Promo Codes – Free DVD Rentals

Updated with new codes. Below is an easy way to get free promo codes good for a free $3 off coupon on DVD rentals at all Blockbuster Express kiosks. Their rental price structure has changed to $1 to $3 a day depending on how new the movie is, so these are again free rentals.

New method: You must text a special keyword to 39777 and receive a unique one-time use promo code back via text message that will expire in 10 days. The code takes $1 off any rental transaction. Active keywords (newest listed first), usually found via Slickdeals:
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Tingo: New Hotel Booking Website That Allows Price Drops

If you haven’t heard, Autoslash was a website that let you book car rentals and then re-booked you whenever they could find a better price via price drops or discount codes. It worked well for me in the past. Then the major car rental companies (which are really 3 huge companies with 10 different names) stopped allowing them to provide quotes. Things do not look good for them.

Tingo.com is a new site that wants to do basically the same thing but with hotel rooms. You book a room, and if there are future price drops, they’ll rebook the same room at the new lower price. It appears that you have to pay for the room upfront, and then future price drops are refunded to your credit card.

I like the idea, and I don’t see why you wouldn’t try them out if they give the same upfront rate as other big sites like Expedia, Travelocity, Orbitz, etc. (I tried a few dates and places and Tingo did offer the same prices.) It would seem you have nothing to lose? But given what happened to AutoSlash, don’t be surprised if they receive a corporate smackdown as well. I do see that Tingo is a subsidiary of TripAdvisor, so maybe they have cleared this with the major hotel chains.

Walgreens Pharmacy $25 For Transferring Prescription

Walgreens Pharmacy has a new promotion where you get a $25 gift card if you transfer a prescription over to them. Looks like you can do it online and have it shipped to you for free if you don’t want to pick it up. I remember when it seemed like every pharmacy was doing this and you could hop from one to the next for months. Some probably still do… Target, Wal-mart, CVS, Walgreens, Rite-Aid, Kroger, and so on. Fine print quoted below. It appears to be one gift card per prescription transaction.

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AmazonLocal: $10 Amazon GC for $5

If it wasn’t for the ads on my Kindle (no good offers recently… boo), I wouldn’t even know that Amazon had their own Groupon-clone called AmazonLocal. I don’t even bother subscribing to any new copycat sites other than Groupon and Livingsocial, otherwise I get coupon overload.

Well, they are going to try and change that by selling a $10 Amazon gift certificate for $5 today, Tuesday 3/20. Limited quantities. I expect over a million to be sold, or else this promo will sell out in a flash with many disappointed people. Check out this page for details.