Free 8gb iPod Touch Offer From BBVA Compass Bank

BBVA Compass Bank is offering a free 8gb iPod Touch when you open a checking account with $100 and set up direct deposit for 6 months. Unfortunately, there are a lot of restrictions. For one, you must reside in Alabama, Arizona, Colorado, Florida, New Mexico, or Texas. Secondly, the iPod is offered through a third-party fulfillment company (think mail-in rebates…) to which you actually have to pay the shipping and handling. Thanks to reader Susan for the tip. Selected fine print:

*To qualify for this offer, you must (1) by December 15, 2009, open a new BBVA Compass Build-to-Order consumer checking account with a minimum deposit of at least $100, (2) within 6 weeks of account opening, your paychecks must begin to be directly deposited into your new checking account at least once each statement cycle. At 6 months your account will be verified again to confirm you are still meeting the payroll direct deposit requirement. If not, BBVA Compass will debit $180 (the approximate cost of the iPod touch) from your checking account.

Free 80 Hawaiian Airlines Miles

Hawaiian Airlines is celebrating their 80th anniversary by giving out 80 free miles to anyone who registers, or every 80th person will get an $80 eCertificate. As usual, this is a free way to reset miles expiration. Ends today (11/11)! Register here.

All of us here at Hawaiian Airlines are grateful to you — our HawaiianMiles members — whose loyalty has made our 80th anniversary possible.

To celebrate, as we near the big day, we’re giving every HawaiianMiles member 80 free miles or an $80 eCertificate towards a flight between Hawaii and the Mainland U.S. Everyone will receive 80 miles just for registering and every 80th person to register will receive an $80 eCertificate in place of the miles.

Google Offers Free Internet in 47 Airports Until 1/15

In case you missed this on the front page of Google today, they are offering free WiFi at 47 participating airports and on every Virgin America flight from now until January 15, 2010. Many other airports already offer free internet, so give it a try when traveling. From their FAQ:

Q. What are you announcing?
In addition to working with Virgin America, Google has partnered with over 45 airports across the country to offer complimentary WiFi to travelers passing through these cities this holiday season (November 10, 2009 through January 15, 2010).

Q. Why is Google doing this?
We’d like to make the holiday travel crunch a little easier and more pleasant – and what better way to do it than with what we know best: the Internet?

Q. Who is powering this service?
We are working with Boingo, Advanced Wireless Group, Time Warner Cable, Electronic Media Systems, Lilypad as well as numerous airports that provide wireless services themselves.

MicroPlace: Buy a $20 Gift Certificate, Get One Free

Just got an e-mail from MicroPlace that they are running a gift certificate promotion where if you buy a $20 GC, you get another $20 GC free. The gift recipient can then lend out the money to a poor entrepreneur and receive interest + $20 back later. Since the person actually gets the money back (or at least most of it assuming some defaults), and thus isn’t the same as a “$XX has been donated in your name” gift, I think it’s a cool twist on gift cards.

Give a Gift that Keeps on Giving
Give a unique and special gift this holiday season. It is a gift of connection, a gift of hope, and a gift that believes that poor people can use their ingenuity and hard work to break out of the cycle of poverty.

Your gift can help fund loans to poor people who could start a business, save, and work their way out of poverty. And when you purchase a gift certificate of $20 or more on MicroPlace, we’ll give you a free gift certificate of $20 to send to someone else on your shopping list!

To learn more about Microplace check out these posts, including my last microlending update.

British Airways Credit Card – 100,000 Miles Offer

Here’s a nice credit card offer for those interested in international travel. The Chase British Airways Visa Signature card is offering 50,000 BA Executive Club miles for new cardmembers with first purchase, and another 50,000 BA miles after spending $2,000 within 3 months, for 100,000 miles total. Regular features include earning 1.25 miles per dollar spent. The card does have an annual fee of $75 as well.

50,000 British Airways miles is enough for an economy class transatlantic flight from USA to their “Europe Zone 1”, which includes the United Kingdom, Belgium, France, Germany, Ireland, Luxembourg, Netherlands and Switzerland. Note that “all reward flights are subject to taxes, fees, charges and surcharges, including airline surcharges.”, which can add up. I did a quick search and for a random San Francisco (SFO) to London (LHR) flight in March 2010 that cost $807, the taxes and fees alone were $387.

You’ll also need to fly out of a major city that BA services. Still, two free flights from US to London even for a few hundred dollars each is a big discount for those looking to buy such a ticket anyways.

What if you like to fly in style? 100,000 miles is good for a single business class ticket from USA to Europe Zone 1… and the fees are more reasonable on a relative basis. A business class flight from SFO to Paris (CDG) in March 2010 would have cost around $4,700 in cash, but the fees/taxes are only about $400 as well:

Finally, if you can manage to spend $30,000 a year on the card, you can even earn a 2-for-1 companion voucher. Time to buy some coins? Thanks to reader Paul for the tip.

Prosper P2P: $50 For New Lenders + Up to 2% Rebate Bonus

Prosper.com was the first big name in the person-to-person lending space. Things have been quiet recently, as they took a while getting SEC approval for their investment notes. In addition, the problems with “old” Prosper included the fact that they let just about anyone apply for a loan in the beginning, including people with horrible credit who had been basically turned down everywhere else. Many lenders thought charging a 35% interest rate was enough – it wasn’t. But as this recent Washington Post article outlines, things are picking up in the P2P space.

The way I see it, LendingClub (review, $25 bonus, performance update) basically looked at all the problems that Prosper had and tried their best to fix them. So now, Prosper is back, and in turn looks a lot like LendingClub. For example, LC requires a 660 minimum credit score to qualify for their lowest grade loan (amongst other things), and now Prosper requires a new borrower to have at least a 640 credit score with their new ratings system. With both, you can have them automatically construct a portfolio for you based on your risk/return preference, and you can buy/sell notes before maturity on a open trading market.

Prosper still has their “reverse auction” eBay-style method of determining the interest rate, but lenders are now are restricted to a specific range of interest rates. (LendingClub simply sets the interest rates for you.)

In order to stimulate lending activity, they have a few incentives going on. If you sign up as a lender and bid on two loans (minimum total investment of $50), they will provide you a free $50 bonus. Click here and on the orange “Invest Now” button and you’ll see it. You must reinvest this $50 by the end of 2009. On top of that, Prosper is also offering a 1% or 2% “rebate” back if you invest at least $1,000 or $5,000, which would help juice your returns. Details:

Starting on October 12 if you invest $1,000 – $4,999 you will receive a 1% cash rebate into your Prosper account or, invest $5,000 or more and receive a 2% cash rebate into your Prosper account. Lenders must invest the funds during the promotional period of October 12 through November 15 by being a winning bidder on loan listings that result in funded loans. Notes purchased through the trading platform are excluded from the promotion. Once you have bid and invested on the loan listings your 1% or 2% cash rebate will be deposited into your Prosper account by December 4.

529 Plan Promotion: Couples Get $150 Jumpstart to College Savings

This is a reminder that the Ohio CollegeAdvantage 529 Plan is offering some excellent incentives for those looking to start putting some money aside for college. Open to residents of any state, the best part is that this is one of the nation’s best 529 plans for those looking for low-cost investment options and a good customer experience. Here’s an example of how a couple can earn a free $150 jumpstart on their college fund. While I use the term “parent”, this would work for any two people – grandparents, aunts, brothers, friends, etc.

  • Parent #1 opens a new Ohio 529 account using a referral from an existing user (details below). They list the child’s name as beneficiary. Parent #1 earns $25 incentive.
  • Parent #2 open a new Ohio 529 account as well, using a referral from Person #1. This account can also list the child’s name as beneficiary. Parent #1 earns $50, and Parent #2 earns $25.
  • Both people also start a automatic savings plan with just a $25 minimum monthly deposit (details below). This earns another $25 each.
  • Add them all up, and that amounts to $150 in free money towards college. All the applications and deposits are done electronically quickly and with minimal hassle. Keep up the automatic deposits, and make saving for college easy.

Refer-A-Friend Bonus
If you open a new account and enter the referral code of an existing member, the new member will get a $25 bonus into their account. The referring member will get $50. My referral code is 2439350. This current promotion expires December 15, 2009. Many more details here.

$25 Systematic Savings Bonus
If you start a new recurring electronic funds transfer (EFT) from your bank account into your 529 account of at least $25 per month for 3 months, you will receive a separate bonus of $25. This recurring transfer must be started by January 31, 2010. Many more details here.

Use Google Voice To Enhance Your Cell Phone Voicemail

You can now add the voicemail features of Google Voice to your existing cell phone service for free. Check out the Google Blog post and Engadget.

More specifically, if you sign up for Google Voice with your existing number, you’ll get:

* Online, searchable voicemail
* Free automated voicemail transcription

* Custom voicemail greetings for different callers
* Email and SMS notifications
* Low-priced international calling

If you already have a Google Voice account, go to Settings and look for a link by your cell phone number. If you want one, people have been getting their invite requests filled within a few days. Don’t forget all the ways you can save money with Google Voice.

It would be convenient to have voicemail-to-text sent automatically via SMS. However, currently it appears that Sprint does not support free call forwarding and charges 20 cents per minute, so I’m left out for now. A short explanatory video from Google is below:

[Read more…]

American Express 15,000 Membership Rewards Points Bonus

American Express has a new card called the American Express Premier Rewards Gold Card, which offers these primary perks:

  • Earn 10,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership. MR points are very versatile, and can be converted to 15,000 frequent flier miles in a number of programs (or 10 Southwest credits), or you can simply get $150 in gift cards at several stores like Home Depot, Crate & Barrel, or Macy’s. I think you can also get cash equivalents at a reduced ratio.
  • Offers 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
  • Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
  • No annual fee for your first year. After that it is $175.

There are two ways to maximize this offer. The easy way is to simply sign-up, grab the 15,000 MR points bonus, and then cancel anytime within the first year, that’s a quick $150+ bonus which is rare these days.  The only other scenario is that you are a big spender and purchase a lot of airfare, because triple MR points is pretty rare and you’ll have to reach that $30,000 spending target to offset the $175 annual fee after the first year.

American Express Mandated Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

Free Google Voice Invite Giveaway

I almost forgot, I’m wanted to give away my Google Voice invite to a randomly chosen reader. So if you liked the features and money-saving opportunities, you can enter for a free GV invite by leaving a comment under this post with your First name (or nickname) only and valid e-mail address (will not be shown or shared). You can leave the actual comment box blank. For the first drawing, I’ll run it for 24 hours until 10/21 at 6pm Pacific. I’ll give out more if they put some more in my account.

No purchase necessary. Void where prohibited. Winners chosen randomly. One entry per person. Good luck!

Update: 6 winners were picked and sent an e-mail. Thanks to readers MattG, Gopi, Greg, and Pete who offered 5 additional invites. For those that didn’t win, I’ve gotten several comments that asking Google directly works and only take about 2 days to get your invite.

Free Edible Arrangements Box of Chocolate Dipped Fruit


Get a free 6-piece box from Edible Arrangements via their Facebook page. I was a little skeptical, but I got my coupon in less than 24 hours. Valid for first 100,000. Delivery is not included. Get one for your significant other and be romantic for a day on the cheap! 😉

Bring this coupon to any participating Edible Arrangements® locations and redeem it for one (1) box of 6 FREE PIECES OF CHOCOLATE DIPPED FRUIT. Valid at participating Edible Arrangements® locations throughout the (50) United States and District of Columbia as well as Canada. Six pieces of Chocolate Dipped Fruit may vary and include one or more of any of the following types of fruit: Apples, Oranges, Bananas, Pears, Strawberries, and Pineapple. Fruit selection is not specified and options are at the store’s discretion. Delivery costs are not included. Offer may be picked up from any participating Edible Arrangements location to avoid delivery charges.

Chase Freedom Credit Card