Citi® Diamond Preferred® Card: 0% Intro APR for 21 months on Balance Transfers

Posted on January 2, 2020 // Leave a Comment

One of the most common resolutions is to pay down debt. Rewards-earning credit cards may not be optimal for those carrying balances and thus more impacted by 18% interest rates than a relatively puny 2% back on purchases. Consider the Citi® Diamond Preferred® Card, which doesn’t offer a fancy rewards structure but has brought back their longest 0% APR intro balance transfer period. The highlights:

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.99% – 28.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No annual fee.

The strong part of this card is the long 21 month period, so you can spread out payments over 1.75 years and ideally pay it all off by the end. There is a 5% balance transfer fee ($5 min). However, if you’re currently paying 18% APR, then a 5% fee is the equivalent of paying 3.33 months of interest at that previous rate, and then you’ll still be left with 17.7 months at 0% interest.

Once the intro period on all 0% cards expire, the rates will go right back up. You’ll either need to pay it off or transfer your balance again if you need more time. This card lets you spread your payments out over 21 months instead of 6 or 12.

If you are certain that you can pay it off within a shorter time period, look for a card with no balance transfer fee. Compare with other low fee 0% APR balance transfer offers.

Bottom line. The Citi® Diamond Preferred® Card is a card targeted that for those serious about paying down their balances. The 0% introductory period of 21 months on balance transfers is the longest they offer, with a one-time 5% balance transfer fee ($5 min). No annual fee.

  • Citi® Diamond Preferred® Card application link
Filed Under: Credit Cards, Deals & Offers, General //

Domino’s Pizza Gift Cards: 25% Cash Back

Posted on December 24, 2019 // 1 Comment

MyGiftCardsPlus has a promotion with 25% cash back on Domino’s Pizza gift cards for a limited time. For example, buy a $100 gift card and get $25 cash back. The gift card has no expiration. Limit $1,000 per household. While supplies last. I do enjoy the pure convenience of the Domino’s app!

There are also promos from Delta Airlines (10% cash back), Jersey Mike’s (10% back), Bed Bath and Beyond (10% back), and Fanatics (20% back).

The cash back is in the form of Swagbucks, which you can cash out via PayPal or Visa Prepaid card. Not a member? Join via my Swagbucks referral link and earn a $3 referral bonus + an additional $10 bonus if you spend at least $25 through their shopping portal within 30 days of registration. (Unfortunately, MyGiftCardsPlus purchases do not qualify.)

Filed Under: Deals & Offers //

Keep or Close Old Bank Accounts? How To Manage Multiple Bank Accounts

Posted on December 12, 2019 // 12 Comments

In 2019, I opened new accounts at the following banks and credit unions in order to earn higher interest on my cash reserves. Some of the offers are now expired, but the idea is to show you that I do accumulate new accounts every year:

For the most part, I keep these new accounts. I also profited from these promotions via accounts I opened prior to 2019:

I’ve gotten a few questions about what I do with all of these accounts. Do I keep them forever? Close them immediately? Here’s my thought process.

Opening new accounts. In general, I will consider opening a new bank account or credit union account if the following conditions are met: Is the net benefit is roughly $100 or higher? Are the monthly fees avoidable? Is my money not already tied up elsewhere? Does it incur a hard credit check upon opening? Most banks do not perform a hard credit check for new accounts. Many credit unions do, however, as their business model is strongly dependent on lending between members. This used to matter more when you could open 20 credit cards in a year and thus you’d want to avoid having too many inquiries on your report, but nowadays the credit card issuers have limits based specifically on your credit card history and less about your number of inquiries.

However, a lot of it also depends on soft factors. Does it seem like it will be a hassle to collect the bonus? Does this bank/CU offer a history of competitive rates and offers? Does it have a reputation for good customer service?

For inactive bank accounts that you don’t care about. For a bank that is no longer offering me something useful and doesn’t look like it will in the future, I will set it to paperless statements, remove all external bank account links, and withdraw all my money. Usually, if there is no activity and $0.00 inside for over a year, the bank will quietly close the account for me. If not, there is minimal ongoing mental load and I’ll usually just let it sit idle indefinitely. If the account charges a monthly fee or somehow causes me hassle, I will go ahead and close it manually.

For inactive bank accounts that you want to keep open. For a bank where I don’t keep my cash there anymore, but I still want to keep it open in case the interest rate improves, a future promotion pops up, or to maintain a perk like free notary service, I will keep at least $10 in the account and also make a $1 in/out transaction once every 12 months. This keeps the account active so that they won’t close it without at least some sort of warning.

Finally, I track all my bank accounts using Mint and Personal Capital. I also use a password manager to keep complex, distinct passwords at each financial institution. Enable two-factor authentication where available.

By monitoring all of my open accounts using such services, I help guarantee that I will stay well within the 60-day window provided by Regulation E to notify the bank of any unauthorized activity. If you lose your debit card (“access device”) and report it lost or stolen no more than two days after becoming aware of the theft, your liability is limited to $50. If you experience an unauthorized ACH transfer, you must report it within 60 days of the statement. Here’s an example from ConsumerFinance.gov:

For example, a consumer’s account is electronically debited for $200 without the consumer’s authorization and by means other than the consumer’s access device. If the consumer notifies the institution within 60 days of the transmittal of the periodic statement that shows the unauthorized transfer, the consumer has no liability. However, if in addition to the $200, the consumer’s account is debited for a $400 unauthorized transfer on the 61st day and the consumer fails to notify the institution of the first unauthorized transfer until the 62nd day, the consumer may be liable for the full $400.

Filed Under: Banking, Deals & Offers //

Best Interest Rates on Cash – December 2019

Posted on December 9, 2019 // 3 Comments

Here’s my monthly roundup of the best interest rates on cash for December 2019, roughly sorted from shortest to longest maturities. I track these rates because I keep a full 12 months of expenses as a cash cushion and also invest in longer-term CDs (often at lesser-known credit unions) when they yield more than bonds. Check out my Ultimate Rate-Chaser Calculator to see how much extra interest you’d earn by moving money between accounts. Rates listed are available to everyone nationwide. Rates checked as of 12/9/19.

High-yield savings accounts
While the huge megabanks like to get away with 0.01% APY, it’s easy to open a new “piggy-back” savings account and simply move some funds over from your existing checking account. The interest rates on savings accounts can drop at any time, so I list the top rates as well as competitive rates from banks with a history of competitive rates. Some banks will bait you with a temporary top rate and then lower the rates in the hopes that you are too lazy to leave.

Short-term guaranteed rates (1 year and under)
A common question is what to do with a big pile of cash that you’re waiting to deploy shortly (just sold your house, just sold your business, legal settlement, inheritance). My usual advice is to keep things simple and take your time. If not a savings account, then put it in a flexible short-term CD under the FDIC limits until you have a plan.

  • No Penalty CDs offer a fixed interest rate that can never go down, but you can still take out your money (once) without any fees if you want to use it elsewhere. My eBanc has a 11-month No Penalty CD at 2.00% APY with a $100,000 minimum deposit. Marcus Bank has a 7-month No Penalty CD at 1.90% APY with a $500 minimum deposit. Ally Bank has a 11-month No Penalty CD at 1.90% APY with a $25,000 minimum deposit. CIT Bank has a 11-month No Penalty CD at 1.85% APY with a $1,000 minimum deposit. You may wish to open multiple CDs in smaller increments for more flexibility.
  • Quontic Bank has a 12-month CD at 2.25% APY ($1,000 minimum).

Money market mutual funds + Ultra-short bond ETFs
If you like to keep cash in a brokerage account, beware that many brokers pay out very little interest on their default cash sweep funds (and keep the difference for themselves). The following money market and ultra-short bond funds are not FDIC-insured, but may be a good option if you have idle cash and cheap/free commissions.

  • Vanguard Prime Money Market Fund currently pays an 1.72% SEC yield. The default sweep option is the Vanguard Federal Money Market Fund, which has an SEC yield of 1.60%. You can manually move the money over to Prime if you meet the $3,000 minimum investment.
  • Vanguard Ultra-Short-Term Bond Fund currently pays 2.06% SEC yield ($3,000 min) and 2.16% SEC Yield ($50,000 min). The average duration is ~1 year, so there is more interest rate risk.
  • The PIMCO Enhanced Short Maturity Active Bond ETF (MINT) has a 2.05% SEC yield and the iShares Short Maturity Bond ETF (NEAR) has a 2.15% SEC yield while holding a portfolio of investment-grade bonds with an average duration of ~6 months.

Treasury Bills and Ultra-short Treasury ETFs
Another option is to buy individual Treasury bills which come in a variety of maturities from 4-weeks to 52-weeks. You can also invest in ETFs that hold a rotating basket of short-term Treasury Bills for you, while charging a small management fee for doing so. T-bill interest is exempt from state and local income taxes.

  • You can build your own T-Bill ladder at TreasuryDirect.gov or via a brokerage account with a bond desk like Vanguard and Fidelity. Here are the current Treasury Bill rates. As of 12/6/19, a 4-week T-Bill had the equivalent of 1.52% annualized interest and a 52-week T-Bill had the equivalent of 1.57% annualized interest.
  • The Goldman Sachs Access Treasury 0-1 Year ETF (GBIL) has a 1.83% SEC yield and the SPDR Bloomberg Barclays 1-3 Month T-Bill ETF (BIL) has a 1.44% SEC yield. GBIL appears to have a slightly longer average maturity than BIL.

US Savings Bonds
Series I Savings Bonds offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. There are annual purchase limits. If you redeem them within 5 years there is a penalty of the last 3 months of interest.

  • “I Bonds” bought between November 2019 and April 2020 will earn a 2.22% rate for the first six months. The rate of the subsequent 6-month period will be based on inflation again. More info here.
  • In mid-April 2020, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months. I will have another post up at that time.

Prepaid Cards with Attached Savings Accounts
A small subset of prepaid debit cards have an “attached” FDIC-insured savings account with exceptionally high interest rates. The negatives are that balances are capped, and there are many fees that you must be careful to avoid (lest they eat up your interest). Some folks don’t mind the extra work and attention required, while others do. There is a long list of previous offers that have already disappeared with little notice. I don’t personally recommend nor use any of these anymore.

  • The only notable card left in this category is Mango Money at 6% APY on up to $2,500, but there are many hoops to jump through. Requirements include $1,500+ in “signature” purchases and a minimum balance of $25.00 at the end of the month.

Rewards checking accounts
These unique checking accounts pay above-average interest rates, but with unique risks. You have to jump through certain hoops, and if you make a mistake you won’t earn any interest for that month. Some folks don’t mind the extra work and attention required, while others do. Rates can also drop to near-zero quickly, leaving a “bait-and-switch” feeling. I don’t use any of these anymore, but the Orion offer is worth consideration.

  • Consumers Credit Union Free Rewards Checking (my review) has up to 5.09% APY on balances up to $10,000 if you meet make $500+ in ACH deposits, 12 debit card “signature” purchases, and spend $1,000 on their credit card each month. Orion FCU Premium Checking (my review) has 3.00% APY on balances up to $15,000 if you meet make $500+ in direct deposits and 8 debit card “signature” purchases each month. Find a locally-restricted rewards checking account at DepositAccounts.
  • If you’re looking for a high-interest checking account without debit card transaction requirements, the rate won’t be nearly as high, but take a look at MemoryBank at 0.90% APY.

Certificates of deposit (greater than 1 year)
CDs offer higher rates, but come with an early withdrawal penalty. By finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency. Alternatively, consider building a CD ladder of different maturity lengths (ex. 1/2/3/4/5-years) such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account. When one CD matures, use that money to buy another 5-year CD to keep the ladder going. Some CDs also offer “add-ons” where you can deposit more funds if rates drop.

  • You could build a CD ladder at Lafayette Federal Credit Union (LFCU) at 3.03% APY for 5-years, 2.78% APY for 4-year, 2.52% APY for 3-year, 2.27% APY for 2-year, and 2.02% APY for 1-year. As with many credit union deals, this likely won’t last long. Anyone can join this credit union via partner organization ($10 one-time fee).
  • Andrews FCU still had their special 7-year certificate at 3.05% APY. Anyone can join this credit union via partner organization.
  • You can buy certificates of deposit via the bond desks of Vanguard and Fidelity. You may need an account to see the rates. These “brokered CDs” offer FDIC insurance and easy laddering, but they don’t come with predictable early withdrawal penalties. The rates are not competitive right now. Watch out for higher rates from callable CDs listed by Fidelity.

Longer-term Instruments
I’d use these with caution due to increased interest rate risk, but I still track them to see the rest of the current yield curve.

  • Willing to lock up your money for 10+ years? You can buy long-term certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer FDIC insurance, but they don’t come with predictable early withdrawal penalties. I don’t see anything noteworthy. Watch out for higher rates from callable CDs from Fidelity.
  • How about two decades? Series EE Savings Bonds are not indexed to inflation, but they have a unique guarantee that the value will double in value in 20 years, which equals a guaranteed return of 3.5% a year. However, if you don’t hold for that long, you’ll be stuck with the normal rate which is quite low (currently a sad 0.10% rate). I view this as a huge early withdrawal penalty. You could also view it as a hedge against prolonged deflation, but only if you can hold on for 20 years. As of 12/9/19, the 20-year Treasury Bond rate was 2.13%.

All rates were checked as of 12/9/19.

Filed Under: Banking, Deals & Offers, Investing //

Amazon Prime Photos: Free $15 Amazon Credit for First-Time Users

Posted on December 5, 2019 // Leave a Comment

One of the perks of Amazon Prime membership is that you get unlimited cloud storage of your photos in full resolution.

Amazon Photos is currently offering targeted users a free $15 Amazon promo credit if you download the Amazon Photos app (iOS, Android, or desktop) and upload at least one photo for the first time. Offer expires at 11:59pm Pacific on December 31, 2019.

Filed Under: Deals & Offers //

Giving Tuesday 2019: Double Your Impact With Matching Donations

Posted on December 2, 2019 // Leave a Comment

givingtuesdayTuesday, December 3rd is Giving Tuesday 2019, an international day all about giving support through charities and nonprofits by donating money and goods or volunteering your time. In case you aren’t inundated with mailings already, this time of year is a big deal for charities, with 40% of donations occurring in the last six weeks of the year. Here are some ways you can “double your impact” with a matching donation.

Facebook Match (good toward any charity that accepts donations via Facebook). Starting at 8am Eastern on 12/3, Facebook and PayPal will match $7 million in donations to U.S. nonprofits – up to $100,000 per nonprofit and $20,000 per donor. Donations will be matched dollar for dollar on a first-come, first-served basis. All processing fees will be paid so 100% of your donation goes to charity.

For example, give directly with the donate button on the The Humane Society Facebook Page. You can also start your own fundraiser here or simply post up a donate button to support your favorite charity.

Check for an employer match. Try this lookup tool from DoubleTheDonation. Most of these programs don’t require you to actually give on a specific day, but you may want to start the process today so you don’t forget in the holiday rush.

Individual charities. Many charities are organizing their own matching program for #GivingTuesday. Here are some large charities have organized their own matches in the past, but I would check to make sure.

Also check with your favorite local community nonprofit. GivingTuesday.org has a local database.

Having trouble deciding where to give? Here are some charity comparison sites that will help you pick where to send your help.

  • CharityNavigator – Largest and well-publicized charity rating site, provides a 4-star rating based primarily on financial criteria.
  • GiveWell – Tries to identify the best charities, not rate them all. Focused primarily on charities working internationally
  • GreatNonProfits – Allows clients, volunteers, and funders to post personal reviews based on their experiences.
  • GuideStar – Tries to be a one-stop shop for both financial data and personal reviews of charities. Must register to see a lot of things, and pay a subscription fee for premium in-depth data.
  • Philanthropedia – Ranks non-profits based on opinions of experts, and groups them to mutual fund-like portfolios.

Looking to volunteer your time? Check out FeedingAmerica.org and find a volunteer opportunity at a food bank near you.

Filed Under: Deals & Offers, Giving Back //

Amazon Black Friday Cyber Week+ 2019: Gift Cards, Apple iPad, MacBook, Samsung, Bose Deals + Stackable Discounts

Posted on December 1, 2019 // 4 Comments

Updated with new deals. Most recently added:

Full post with all the deals:

Here are the highlights of all the Amazon Black Friday/Cyber Week deals in one post, updated daily. You can view all of the Amazon Cyber Monday Deals here. Here are the Amazon Device deals.

Pay With Points promotions. First, if you have credit cards with Chase Ultimate Rewards, Citi ThankYou, AmEx Membership Rewards, Discover CashBack, or Capital One points, see if you are eligible for one of these stackable discounts. I was mostly ineligible after doing them in the past. You may also try removing any old linked cards from your profile and then adding them back if you are ineligible.

If you have a Discover card, Amazon is one of their 5% cashback categories this quarter.

Apple. If these are shipped and sold by Amazon, you can stack with above.

Electronics

Other Stuff

Amazon Services

Amazon Devices

Filed Under: Deals & Offers //

TopCashBack: $25 to Spend at Walmart Freebie (New Members)

Posted on November 25, 2019 // 6 Comments

TopCashBack.com rebates you back a percentage of your purchases made through online stores like Macys.com or Walmart.com. There are many such cashback portals, but TopCashBack promises to rebate you 100% of all commissions earned. If you are going to shop online for Black Friday, Cyber Monday, or any day, you should try to use a cashback portal. Many will boost their payouts on certain days.

Black Friday is usually when TopCashBack has the best offers of the year for new members. Right now, they are offering a $25 to Spend at Walmart Freebie. This is the highest amount they have ever offered. Here are the directions:

  1. Sign up at this specific link for new TopCashback account (my referral link specific to this offer). It’s free to join and they won’t ask for credit card info. Be sure to check your email and click on the link to confirm your email address.
  2. After entering your e-mail and pick a password, you should be redirected to the Walmart freebie offer page. This will include details and directions. Click on the pink “Get Offer” Button.
  3. Purchase anything for $25.00 or more from Walmart (exclusions apply), and get $25.00 cash back. Note that Cashback CANNOT be earned on Walmart Grocery service, Food, Household Essentials, Purchase and Redemption of Gift Card, Cellular Purchases, Prepaid Phone Cards, Sam’s Club, Pharmacy, Travel, Tires, Optical, Newer Model Apple Products. Try Free Store Pick-up or Free Shipping over $35.
  4. You’ll need to be a little patient, as it will take up to 7 days to show up online. After another 14 days the $25 cash back will become payable. Cash back can be credited straight to your checking or PayPal account.

Net result: You spend $25+ at Walmart and you’ll get the stuff + $25 cash back. Offer ends November 30th, 2019 at 23:59 PST.

p.s. Existing TopCashback members should check their e-mails for a special cashback offer. I got $5 back on any $25+ purchase from any retailer.

Also see: Rakuten (formerly eBates) ($10 bonus) BeFrugal ($10 bonus) also have new user sign-up bonuses that can offset some holiday shopping purchases. I have cashed out of all these within the last 6 months.

Filed Under: Deals & Offers //

Andrews FCU 3-Month/84-Month Certificates at 3% APY

Posted on November 25, 2019 // 6 Comments

afcu_logo

Andrews FCU has a few special certificate rates going on right now. These aren’t my idea of doorbusters, but interest rates are low again and these do manage to break the 3% APY barrier (barely).

  • 3-Month Share Certificate at 3.01% APY ($1,000 min). This is their “Black Friday special”. Offer valid November 25, 2019 through December 6, 2019.
  • 84-Month Share Certificate at 3.05% APY ($1,000 min). The Special 84-Month Certificate has a penalty equal to 360 days of dividends.

Note that all 3-Month Certificates are automatically set to renew at the 12-Month share certificate rate and term upon maturity. You must manually tell them if you want to simply withdraw.

Please see my Andrews Federal Credit Union Application and Account Opening Review for more details on the opening process. Note that applying for this credit union will result in a hard credit inquiry. They checked my TransUnion report back in 2016.

Filed Under: Banking, Deals & Offers //

The Permanent Gift Guide 2019 – Give Stuff That Lasts Forever

Posted on November 21, 2019 // 13 Comments

I’m reading through all these gift guides and so much of it seems just trendy and disposable. Do any of the authors actually own all the stuff they list? How many of these gifts will end up forgotten in a few months? I decided to create an alternative “Permanent” Gift Guide, consisting of things that (1) I actually own, (2) I’d buy again if I lost it (it sparks joy), and (3) I expect to last for a very long time (or at least comes with a lifetime replacement guarantee).

Coleman Classic Gas Camp Stove – $44

We found one of these while cleaning out my in-laws’ house, which means it is probably 30+ years old. This is the classic Coleman double burner camp stove, which is simple and sturdy. Even if you aren’t a camper, this is useful as an extra burner during Thanksgiving or a backyard party (connect any propane tank with adapter). Use it during a blackout or as part of your survivalist gear. We already had our own Coleman single-burner butane stove, and I had this beefier-looking red copycat on my wishlist.

Moka Pot Coffee Maker – $30
A lot of people love espresso, just like the Italians. But traditionally Italians only drink espressos in cafes. They don’t have huge, fancy espresso machines at home; they have Moka pots! (Okay, they now like Nespresso pods.) Something like 90% of Italian homes have a Moka pot. Read this Atlas Obscura article for details. I also learned why Cuban households also love Moka pots. Comes in different sizes. Bialetti is the original but there are other Moka pots that are cheaper and with good reviews.

LEGO Classic Medium Creative Brick Box 10696 – $28
When cleaning out my parents house, what were the toys that still worked and my own kids could pick up and start playing with instantly? Legos and Hot Wheels. As a kid, I never ever followed any of the directions that came with a Lego kit, so I am partial to these big assortment Lego mixes. Lego wants their bricks to be biodegradable, which is nice but at least their stuff lasts forever and can be used forever!

All-Clad Stainless Steel All-in-One Pan – $180
I first heard about this brand when they kept winning comparisons by America’s Test Kitchen. However, they are quite expensive. Now, you don’t need All-Clad everything, but do I think a large stainless steel fry pan or all-in-one saute pan from All-Clad is an important kitchen addition that will pretty much last you forever. (Skip the non-stick All-Clad and go with T-Fal for best non-stick value.) Resurrect occasionally with Bar Keepers Friend.

Patagonia Houdini Jacket – Men’s and Women’s – $100
This ultra-lightweight jacket (3.4-3.7 oz) packs into it’s own chest pocket (so there’s no extra bag to lose). This means you can throw it anywhere, from your cargo shorts pocket to your purse to your travel carry-on. It’s good for wind and light rain (not fully waterproof though) and just those times when you’re a bit chilly. It’s relatively expensive but the quality is high and it has traveled with me everywhere for several years.

mmbcastiron0

Lodge Pre-Seasoned Cast Iron Skillet – $15
With over 10,000 reviews (!) and a 4.5 out of 5 star average rating, these heavy-duty beasts are trendy again. Great for searing and pan-frying, oven-safe, no worrying about scratches or dings. They will outlive you for sure. Got a rusty one? They are easy to resurrect; here’s a quick video on how to season your cast iron. Here’s a slightly-more expensive version with a silicone handle and the bigger 12-inch version.

Darn Tough Full Cushion Wool Socks – Men’s and Women’s – $25
You wouldn’t think socks would come with an unconditional lifetime warranty, but they do from Darn Tough. If you wear a a hole in them a decade later, they will still replace them for free. Made in Vermont and comes in different thicknesses for use in both the heat and cold. High-quality wool keeps your feet dry and doesn’t stink. These are pricey, but I am slowly collecting them as part of my minimalist wardrobe.

zeroll

Zeroll Original Ice Cream Scoop – $16
If you walk into an ice cream shop, this is probably the brand that they use. Once you try it, you will wonder why all the other ice cream scoops in the world are so bad in comparison. It has conductive fluid that makes it easier to get through rock-hard ice cream. It creates the perfect ball shape for placing on cones. The 3-ounce size makes medium-sized ball, but other sizes are available. Why not own the best ice cream scoop in the world for under $20?

Osprey Packs Farpoint 40 Travel Backpack – $160
After doing a lot of research on travel/hiking backpacks, I decided to plunk down a lot of money on an Osprey Pack. They have an All Mighty Guarantee that will repair any damage for any reason free of charge, no matter when you bought it. So far, I have not been disappointed. Quality materials and construction. (My previous pack was from REI, but they discontinued their lifetime repair/replacement guarantee in 2013.)

lecreusetblue

Le Creuset Enameled Cast-Iron Dutch Oven – $350
I cook multiple times a week with our Staub and Le Creuset enameled cast-iron dutch ovens. Cast iron isn’t a lot of maintenance, but you do have to keep it dry after each use to prevent rusting (and seasoning it again takes time). With enameling, you can just wash and leave it wet. The dutch oven shape also makes it perfect for braises, stews, and soups. (They also look nicer at dinner parties.) They do run $200-$300 but spread out over years of use it’s not that bad. I love ours, but honestly I don’t know how much better they are than this Lodge Enameled Dutch Oven which regularly runs under $60.

Hot Wheels 20 Car Gift Pack – $20
I gave my old Hot Wheels to my daughters, but will be giving some new Hot Wheels to my nephews. I will admit that some of my old ones seem much more heavy with more metal content than the new ones, but none of the new ones have broken yet either.

wusthofclassic

Wusthof Classic Knifes – $350
I remember wondering if Wusthof and Henckels were worth the price as I zapped them onto our wedding registry. Then someone actually bought us a set of Wusthof Classic knives and we proceeded to use them nearly every day for over a decade. They have been professionally sharpened a couple of times (less often than recommended), but they still work perfectly with no chips or rust spots. I bought a $40 Asian cleaver from a shop in Chinatown a couple years ago, and it only lasted a few months before large rust spots appeared. My mom told me I didn’t treat it right. Probably. I told her I’d rather spend $80 on a knife and have it last decades even after not treating it right. So I bought this one.

Let me know if you have suggestions (preferably due to personal experience).

Filed Under: Deals & Offers, Frugal Living, Funny //

Discounted Delta Gift Cards: 10% Off at Costco

Posted on November 21, 2019 // Leave a Comment

Costco has 10% off face value on Delta Airlines gift cards for a limited-time. Face value $500 and $1,000. No expiration date. You must sign-in as a Costco member to purchase.

Delta Gift Cards can be used toward airfare on any Delta-marketed flights worldwide at delta.com, at the airport, or by phone through Reservations. The cards can also be used on Delta Vacations packages that include air transportation.

Filed Under: Deals & Offers //

Buy $100 Netflix Gift Card, Get $10 Amazon Credit (Expired)

Posted on November 12, 2019 // 2 Comments

Update: I would check the link in case it comes back in stock, but it shows as expired now. Sorry, thought it would last longer!

Amazon has a Netflix gift card promotion where if you buy a $100 in Netflix gift cards, you will receive $10 Amazon promo credit. Enter the promotional code NETFLIX at checkout. One offer per customer. While supplies last.

You can also stack this with the 5% back at Amazon from Discover card this quarter (or the Amazon Prime credit card).

Besides gifting, if you subscribe to Netflix anyway, you could apply these gift cards to your own account to almost get a free month of streaming for yourself. Treat yo’ self!

Filed Under: Deals & Offers //
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