BuffetGo: Reduce Food Waste and Buy a Big Box of Leftovers for $3

bgo0The cheap, hungry student inside me couldn’t help but mention a new site called BuffetGo. In an effort to reduce wasted food, both mom-and-pop and hotel buffet restaurants work with BuffetGo to offer a special deal. You show up at their restaurant within a 15 or 30-minute window before closing, and you can fill a take-out box with whatever is available for $2 to $5.

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The number of participating restaurants is still quite limited, but locations include Chicago, New York, and Southern California. Your first meal is also free (may expire on October 31st):

FIRST MEAL FREE FOR NEW CUSTOMERS
We’re committed to an excellent cause, and we want you to be too. To get you on board we’re offering you your first meal completely free. Just place your order via the website and we’ll refund the full amount of your first meal back onto your payment card within 72 hours – it’s as simple as that. See you at the buffet cart!

This won’t work for most people, but it does seem like a clever win-win for the parties involved and indirectly helps the environment. My cheapskate side would hope that I could grab enough food for two meals in one box.

More: Vice, Business Insider

Free 500 Virgin America Points for Newsletter Sign-Up

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Get another 500 free Virgin America Elevate points when you sign up for the new Virgin America Produced e-mail newsletter.

* Offer valid until October 26, 2016. Only one email address is allowed and only one set of 500 points will be awarded per Elevate account number. Bonus reward points earned in this offer do not qualify towards Elevate Gold or Elevate Silver status. Please allow 10 days for your points to post from the promotion end date.

You’ll also extend the expiration of your points balance. Virgin America points expire after 18 months of inactivity. Virgin America is also merging with Alaska Airlines, so these should eventually become Alaska miles.

Follow-up: Georgia Tech Online Master’s Degree in Computer Science for $7,000

gtomsI’m always fascinated by the potential power of cheap, accessible education. Back in 2013, I wrote about how Georgia Tech planned to offer an online master’s degree in Computer Science for only $7,000. Three years later, the NY Times has a follow-up article on the program. Here are my notes in case you’re stuck behind a paywall.

  • Georgia Tech has a Top 10 CS program, according to U.S. News & World Report. Their online version offers lectures from the same professors, the same homework assignments, and the same exams.
  • A few other top universities have online versions of their masters programs, but they charge the same tuition as in-person ($40,000+). Georgia Tech’s online masters can be completed with only $7,000.
  • Through the use of online discussion software, a CS professor claims he now interacts with online students more often than with on-campus students.
  • A study found that this program attracted students that would not otherwise study for a master’s degree. This could be due to cost, geographical limitations, current employment, or other factors. Most enrolled students were older and currently employed while taking courses.
  • The first students started in 2014, and the first class of 20 graduates got their diplomas in December 2015. The current enrollment is over 3,000 students.
  • The Georgia Tech diploma will read “Master of Science in Computer Science,” exactly the same as those of on-campus graduates. There will be no “online” designation for the degrees of OMS CS graduates.

Promotional video below:

It’s still unknown whether this online degree will have the same impact as a traditional on-campus degree. For now, Georgia Tech is still the only university to offer a prestigious, high-quality computer science degree that is both convenient and affordable. The OMSCS program states their $7,000 tuition is priced to just barely cover their costs. Will any other university attempt an “at-cost” pricing model? What if someone extended that model to undergraduate programs?

On a related note, Khan Academy is trying to combine their free online educational materials with “internationally-recognized diplomas that provide direct access to economic and educational opportunities.” I think they should pursue accreditation, which I imagine would require human graders at the very minimum even if they used video lectures and community-based teaching support. Perhaps they can form some sort of volunteer network to keep costs low. Proposal video below:

Platinum Delta Skymiles American Express Companion Certificate

amexdeltaplatThe Delta American Express card line-up has some limited-time bonus bumps going on right now. Offer ends 11/9/16. In particular, I noticed that the Platinum Delta American Express is offering:

  • 70,000 bonus miles after you spend $3,000 in eligible purchases on your new Card in your first 3 months. If you care about elite status, you’ll get 10,000 Medallion® Qualification Miles (MQMs) as well (not actual redeemable miles).
  • In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • First bag checked free.
  • Enjoy a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Platinum Delta SkyMiles Credit Card.
  • $195 annual fee, not waived the first year.

As with all American Express cards, the sign-up bonus is now only one per card per lifetime. If you’ve ever had this card, you can’t get the sign-up bonus again:

Welcome bonus offer not available to applicants who have or have had this product.

The companion certificate as deal-maker and deal-breaker. Frequent fliers often complain about Delta’s poor selection in international business-class redemptions, but some people (like me) just want economy seats to a Delta-served airport. If you regularly travel as a couple or otherwise buy two cross-country domestic economy tickets together on Delta, this companion certificate will easily offset the $195 annual fee all by itself. If you are wasting this free companion ticket, then this card probably won’t be worth keeping around. The paid tickets earn miles, MQDs, and MQMs, but the free ticket does not.

Note that you only earn the certificate upon renewal, so you won’t get it the first year and that means you’ll have paid $390 in annual fees by then. So the first year’s annual fee of $195 must be offset by the sign-up bonus. The limited-time offer of $100 statement credit + 70,000 Skymiles should do the trick, assuming you make decent use of the miles. With the Pay with Miles options, you should get at minimum a 1 cent a mile value. That would make it $100 + $700 – $195 annual fee = $605 value in the first year. For future years, you’ll need to get $200 value out of that companion certificate.

Geographical restrictions. If you live in the contiguous 48 states, you must travel roundtrip to/from the contiguous 48 states. If you live in Hawaii, Alaska, Puerto Rico or the United States Virgin Islands (USVI), then you can originate there to the contiguous 48.

You must pay applicable taxes and fees, which vary and depend upon the number of flight segments included in the itinerary. They will be no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments).

You can book your Delta flights using the certificate online without having to call in. In my experience, the class restrictions on the certificate have not prevented me from getting the lowest fare available, although it can happen. If I can get a $300 ticket for $25 in fees, then I still consider this card worth it given the other perks like one free checked bag per person. If I don’t use it myself, I can also book a flight for a friend/relative and have them pay me back in cash.

Example with screenshots. I have a live companion certificate in my account right now, and I just ran a test flight. Atlanta (ATL) to San Francisco (SFO), 11/23 to 11/30 roundtrip, flights DL 1401 outbound and flight DL 939 return. If I just searched for a single cash ticket, it would have cost $318.70. Two tickets would be $637.40. If I apply the companion certificate, the first ticket again costs $318.70 and the second ticket costs $0 + $28.20 in fees. The first paid ticket costs the exact same amount as it would have otherwise. Thus, my total savings with this certificate is $318.70 – $28.20 = $290.50. See screenshot below for details:

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Here’s a copy of the terms and conditions regarding the companion certificate:

Delta Platinum Companion Certificate at Renewal
Taxes/fees/restrictions: Companion Certificate is valid for one round-trip Main Cabin Companion ticket with the payment of applicable taxes and fees detailed below and the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii, Alaska, Puerto Rico or the United States Virgin Islands (USVI) must originate from there to the 48 contiguous United States and have an address on their SkyMiles account in Hawaii, Alaska, Puerto Rico or the USVI. Each year, the Companion Certificate will be made available for redemption on delta.com in your renewal month. Applicable government imposed taxes and fees vary and depend upon the number of flight segments included in the itinerary and are no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments). Basic Card Members (not Additional Card Members) with the Gold Delta SkyMiles Credit Card, Platinum Delta SkyMiles Credit Card, Delta Reserve Credit Card, Gold Delta SkyMiles Business Credit Card, Platinum Delta SkyMiles Business Credit Card, and Delta Reserve for Business Credit Card are eligible to receive the first checked bag fee waiver on Delta and Delta Connection carrier tickets. $35 fee for second checked bag. These allowances are subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Seats are only available in L,U,T,X,V classes of service and may not be available on all flights or markets. Companion tickets are not transferable once issued. Companion certificate cannot be combined with another offer or discount including, but not limited to, web fares, sale fares and eCoupons. Primary ticket and Companion ticket must be purchased with your Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Travel for Companion certificate must be booked and completed by the date on the front of certificate. Validity is not based on the calendar year. Redemption is available only on delta.com. Certificate terms and conditions may vary each year of Card Membership. Additional restrictions apply. See Companion Certificate for details.

10-Minute Digital Privacy Tuneup from Consumer Reports

1plogoFollowing the news of the Yahoo hack of half a billion users (noted as the biggest data breach in history), you may be interested in some more tips regarding online security.

In their latest issue, Consumer Reports has a 10-minute digital privacy tune-up. Here are highlights and direct links for your convenience:

  • Turn on automatic software updates wherever available.
  • Use screen locks wherever available.
  • Check where else you’ve been hacked at haveibeenpwned.com. You’ve probably been pwned. Adobe and Dropbox for me.
  • Use temporary e-mail addresses. I tested their recommendation 10minutemail.com and I will definitely use it in the future for those “Give me your e-mail and get XXX” offers.
  • Cover up your laptop webcam.
  • Use the HTTPS Everywhere Browser Extension (available on Chrome, Firefox, Firefox for Android, and Opera). Help you use encrypted https whenever possible.
  • Turn off location tracking in apps.

I would also add a reminder about free and/or cheap password managers. All of my accounts now have their own unique, complex passwords. I can’t imagine not using one anymore. I still use 1Password mostly because it was the first one I tried, but if they force me into a monthly subscription I will likely bail. I’ve heard positive things about LastPass, KeePass, Dashlane, and RoboForm.

Marriott / Starwood Hotels Merger: Status Match, New Points Transfer Options

mr_spg2Marriott completed its acquisition of Starwood Hotels last week, and has already started the merging process for their loyalty rewards programs. Both programs will essentially be run separately for a while, but you can now match status and exchange points. The new name is Marriott International, although a full merger will not be completed until sometime in 2018. Here’s a quick summary of your options:

Manually link your Starwood Preferred Guest (SPG) and Marriott Rewards (MR) accounts at this Starwood page or this Marriott page. They will not be linked automatically. You can only link one MR account to one SPG account (and vice versa), so you’ll need to merge any duplicate accounts first.

If you are an elite member of one program, your status will be matched in the other program. SPG Preferred Plus = Marriott Silver. SPG Gold = Marriott Gold. SPG Platinum = Marriott Platinum.

You can transfer points both ways with no fees. 3 Marriott points = 1 SPG point. You can transfer up to the full balance of your account in increments of 1,000 points into the linked account. Ex. 1,000 Marriott points = 333 SPG points. 1,000 SPG points = 3,000 SPG points. Transfers should be instantaneous.

Points transfer and expirations. Transferring into Starwood will help extend your Starwood points expiration, but transferring into Marriott will not help your Marriott points expiration. If your Marriott points are really going to expire soon, just move them all over to Starwood? Taken directly from their Frequently Asked Questions:

If I transfer points from my Rewards account to SPG, does it count as activity against points expiration?
Transfers don’t count as a qualifying activity in the Rewards program, so transferring points won’t keep your points balance from expiring.

If I transfer points from my SPG account to Rewards, does it count as activity against points expiration?
SPG Starpoints don’t expire as long as your account remains active. Linking and transfers count as activity.

Possible new transfer options. You can now mix and match the various external partners to get improved or previously-impossible transfer options, including:

  • 60,000 Marriott points = 20,000 SPG points = 25,000 American, Hawaiian, Delta, or Alaska Airlines miles.
  • 18,667 Starwood points = 56,000 Marriott points = 25,000 United Airlines miles.
  • 90,000 Starwood points = 270,000 Marriott points = 120,000 Southwest points and 7 nights in a Marriott category 1-5 hotel. Why is this handy? Earning 110,000 Southwest Airlines points in one year will get you the Southwest Airlines Companion pass which lets you choose a friend to fly with you for free – for this year and the next! – your paid or points-redemption tickets. (If you want to do this, do it quickly, as this option may end prematurely…)

Credit card considerations. Given the 3:1 ratio, Chase Marriott card now has bigger relative sign-up bonus, but SPG American Express has earns more rewards on all everyday purchases.

  • Chase Marriott Rewards Premier Card can get you 80,000 + 7,500 Marriott points if you meet the purchase hurdle. 87,500 Marriott points = 29,166 Starwood points.
  • Starwood Preferred American Express can get you 25,000 Starwood points if you meet the purchase hurdle. You’ll also get 1 Starwood point per dollar spent = 3 Marriott points per dollar spent on all purchases.

Ooma Hub Upgrade Offer: Discounted Telo + No Monthly Taxes and Fees

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I replaced my landline with Ooma VoIP home phone service over 6 years ago and and haven’t had a monthly bill since. This ended up being one of those deals where early adoption was rewarded. First there was no monthly fees, then it was about $1 a month, then about $3 a month. Today, buyers of the newest Ooma Telo are subject to the upfront equipment cost plus monthly taxes and fees of roughly $4.23 a month (varies by location). I’ve resisted upgrading to Telo as it would have forced me to give up my grandfathered monthly fee waiver.

If you are also a grandfathered Ooma Hub owner, you should check your e-mail for the following message titled “Important Service Update for Ooma Hub Owners”. (Thanks to the readers who asked me about this offer, as I would have probably deleted the e-mail.)

As a valued Ooma Hub owner and one of our earliest customers, we’d like to thank you for your support over the years.

As you may know, we discontinued technical enhancements and customer support for the first generation Ooma Hub product over three years ago. Recently, we made several network infrastructure upgrades for our Ooma Telo product, which unfortunately could cause Hub users to experience reduced service reliability due to the firmware limitations of the Hub.

As one of our earliest customers, we’d like to offer a special opportunity to upgrade to our latest Ooma Telo device for just $79.99 with free shipping. Plus, we’ll continue to waive the taxes and fees for the lifetime of your Telo device!1

When you upgrade to the Ooma Telo, you’ll enjoy better reliability and voice quality with PureVoice. Ooma Telo also supports HD Voice, integration with Amazon Echo, additional connectivity options like Bluetooth and Wi-Fi, and support for our whole family of accessories such as the Linx and HD2 Handset.

Okay, so $80 will get you a new Ooma Telo box and continued no monthly fees for the lifetime of the new box. Is it worth the upgrade? Some considerations…

Pros

  • My Ooma Hub is now 6 years old, and the fee waiver is only for the lifetime of the device. This offer would get a a new device and thus a new “lifetime”, which ideally would extend my fee waiver.
  • The Telo-exclusive features may interest you (better voice quality, Amazon Echo and Nest integration, Bluetooth and WiFi connectivity, Linx and HD2 accessories). Some folks seem to love their Amazon Echo, and using a wireless Bluetooth headset may offer valuable convenience.

Cons

  • It costs 80 bucks.
  • The warning of “reduced service reliability” is rather vague. I’m still satisfied with the current voice quality, although I am not a heavy user.
  • Is it possible that my old Ooma unit is more reliable than the new Telo? Or am I just pushing my luck? Running for over 6.5 years x 24/7 is pretty great. I have a Macbook from 2006 that still runs fine.
  • Telo Basic users have to pay extra for certain services that are included for free with Ooma Core/Hub including caller ID name (not just number) and e-mail alerts of new voicemails. It is unclear if this upgrade will cause us to lose these free features.

Bottom line. If you are a heavy Ooma user, it may be worth taking advantage of this offer to “future-proof” yourself for perhaps another 5 years or more. If like me you are a light Ooma user thanks to unlimited cellular minutes and/or robo-calling politicians, then a potential loss would not be as severe. The original Ooma Hub advertised “free monthly home phone service for life” (of the equipment), so I suppose I’ll see how long that ends up being.

Join Fairmont Hotels President’s Club, Get 1,000 Free Aeroplan Miles

Here’s an offer for 1,000 free Air Canada Aeroplan miles if you sign up for the Fairmont Hotels President’s Club loyalty program and use the enrollment code FED16 (embedded in link). Be sure to enter your Aeroplan number (join free here) under the expandable section labeled “FREQUENT FLYER PROGRAMS (OPTIONAL)” and select that plan as your earnings preference. You must join by November 15, 2016. Found via FFB.

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These bonus miles can be handy as Air Canada requires activity every 12 months to prevent Aeroplan miles expiration. The basic free tier of Fairmont’s loyalty program still gets your free room Wi-FI during your hotel stay.

Uber and Android Pay: 50% Off 10 Rides (Up to $5 Each Ride)

uberpayUber and Android Pay are running a promotion offering 50% off 10 rides (up to $5 per ride) now through 10/15. No promo code required. The instructions they provide are pretty straightforward:

  • Download and set up Android Pay on the Play store
  • Open your Uber app
  • Add Android Pay as a payment option in the Uber app
  • Make sure to select Android Pay in the confirmation screen when requesting a ride and you will get 50% off 10 rides* (up to $5 per ride) now through 10/15
  • No need to apply any additional codes

* Supplies limited. Offer good for 10 rides. 50% off up to $5.00 off a trip requested using the Uber App and Android Pay. Only one offer per Uber account. Offer expires October 15th, 2016, or earlier at Uber’s sole discretion. No cash value. Valid in the US only.

Not a bad deal for regular Uber users. Thanks to reader Tom for the heads up.

Related: Through March 2017, Capital One and Uber also have a partnership that gets you every 10th Uber ride free up to $15 with the Capital One Quicksilver credit card (review).

Citibank $400 Checking Account Bonus

citi400Citibank has a $400 bonus offer for new checking account customers. Here are the highlights:

  • To qualify for a $400 cash bonus, open a new consumer checking account in The Citibank Account Package by 10/31/16.
  • Within 30 days from the date you opened your new checking account, deposit $15,000 or more in new-to-Citibank funds into your new checking account or new or existing Citibank Savings Plus account.
  • A minimum balance of $15,000 is required to be maintained in the new checking account or new or existing Citibank Savings Plus Account, for 30 consecutive calendar days following the date you made your qualifying deposit.
  • The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements.
  • To be eligible for this offer, you must not currently have a Consumer checking account with Citibank or have been a signer on or owner of a Citibank consumer checking account within the last 60 days.
  • Limit of one of each offer per customer and one offer per account.

Here are details for The Citibank Account Package:

  • $25 monthly service fee waived if you have $10,000 in combined average monthly balances.
  • Interest rate is a tiny 0.01% APY.
  • Free withdrawals from all Citibanks ATMs.
  • Citibank will waive their $2.50 fee for using non-Citibank ATMs, if combined average monthly balances in eligible linked accounts are met. However, you may still be charged a fee by the ATM owner itself.
  • No early account closure fee.

Let’s see… To start, you must not have had a Citibank consumer checking account within the last 60 days. Next, you’ll need to bring in $15,000 of money from a non-Citibank account, and keep it there for 30 days. You’ll need to keep $10,000 in your account to avoid the $25 monthly service fee. You’ll need to keep the account open for up to another 90 days (up to 120 days total) until the $400 bonus arrives.

It is not clear if you need to keep you account at the “Citibank Account” package level past the first 30 days. To be safe, you may want to keep it at that level ($10,000 minimum balance) until the bonus shows up. After that, you may downgrade to their Basic or Access levels with much lower minimum balance requirements, or you may choose to eventually close out the account after that if it doesn’t work for you.

Worth the effort? If you had $15,000 sitting in a 1% APY savings account, you’d earn $50 of interest over 4 months. So you could view this as $350 in extra interest over 4 months. Alternatively, if you earn $400 of interest on a $15,000 balance over 120 days (also ~4 months), that works out to roughly a 8% annualized interest rate. If you take out $5,000 after 30 days and keep $10,000 in there, your effective interest rate will be even higher, closer to 10% annualized interest rate for those 4 months. If the bonus arrives earlier, you could do better. At these assumed balance levels, you will avoid all monthly account fees. Note that the $400 will be reported on a 1099-INT form. Thus your interest is taxable as ordinary income, but any monthly fees you pay are not tax-deductible.

Free BJ’s Club Membership for American Express Cardholders (New Customers)

bjlogoIf you are an American Express cardholder, they have a promotion with BJ’s Wholesale Clubs that will essentially net you a free 1-year membership if you are a new BJ’s customer. The membership is discounted 50% down to $25, and then you also get a $25 gift card. Here are details taken from this PDF with promotion terms (backup copy).

Here’s how to redeem the new membership offer from BJ’s by September 30, 2016:

  1. Show your American Express Card and photo identification at a BJ’s Club Member Services Desk and present this confirmation (or show the saved coupon on your phone).
  2. Purchase a new 12-month BJ’s Inner Circle® or InnerCircle® Business Membership to get 50% off the regular price ($25 off the $50 membership fee, plus state and local taxes, where applicable or required by law) and receive a $25 BJ’s Gift Card.

Some customers have reported being able to use the $25 gift card itself to pay for the $25 membership, but either way it is essentially a free year membership.

Offer valid in-Club only; not valid on BJs.com. Market code AMEX25 expires 9/30/16. This offer may not be combined with other BJ’s membership offers, is not redeemable for cash and is good for new Members only. Market code AMEX25 may not be copied or transferred. Limit one offer per household. Photo identification required when applying for Membership.

Free 25 Hertz Gold Plus Points

hertzgp0Hertz has a Summer Bonus promotion with bonus points on your summer car rentals through 9/5/2016. Not much time left, but you can still get 25 free Hertz points just for registering with your Hertz Gold membership number.

Register to earn up to two Free Weekend Days on your summer rentals with Hertz Gold Plus Rewards® from August 9, 2016 through September 5, 2016. You can earn:

275 bonus points on your first qualifying rental
275 points on your second
550 points on your third
That’s 1,100 Gold Plus Rewards points—enough for two Free Weekend Days!

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These points won’t extend your expiration date (you need rental activity every 24 months), but they may get you closer to that next free rental (starts at 550 points for a free weekend day).