June 22, 2017

10% CashBack for Walmart at Ebates

Ebates currently has 10% cashback on purchases at Walmart.

Good way to get an extra 10% off of whatever you buy at Walmart.

I think this is just a daily double cashback deal so it may be gone by tomorrow.

Standard Ebates blurb: To get cash back from Ebates you need to be signed up with Ebates.  Then simply go to Ebates to get the referral to the store before you do your shopping.  I also get a referral bonus if you use my links to sign up with Ebates.  

--This article may contain referral links which pay this site a commission for purchases made at the sites.

June 21, 2017

Gold Investments Have Done Poorly Lately

Around the recession we heard a lot about gold as an investment.   I'm not hearing that much about it lately.

Here's why:

click for full size, source: Yahoo Finance
Gold has lost over 20% of its value in the past 5 years while the stock market is up over 75% in that same time.

If you'd bought gold almost anytime in the past 8 years you'd be losing money on it versus simply putting your money in a bank account.    If you'd bought gold between 1995 and 2005 you'd have been lucky to beat a savings account.      If you were lucky you bought sometime before 2005 and sold around 2010.   This isn't the kind of pattern for an investment that you'd want.  It takes extreme luck to do any better than beating a simple bank account.


June 16, 2017

500 Amazon Coins ($5 value) for $1 at HumbleBundle

The current E3 digital ticket game bundle on HumbleBundle has 500 Amazon coins included at the $1 purchase level.  500 coins would cost you $4.90 to buy at Amazon so this is basically $5 worth of app purchases.    You can get the bundle for as little as $1.   Of course you can pay more if you want to donate to the charity in question too.    There are some video game items too but it looks like "digital content" or downloadable content more than full games.

Note :  Make sure you've got a good use for Amazon coins.    Their app store doesn't have everything and theres plenty of free alternatives.    Some of the games I like aren't on Amazon at all.  


PSA : Credit Card Sign Up Bonus Gotcha To Watch For

I've been rotating through new credit cards to get sign up bonuses for a while now.   I've been targeting the best cash bonuses or at least cash/ travel bonuses.   Over all this has worked great for me and I netted over $2000 in various rewards in 2015.  

Unfortunately I just struck out with a Capital One Venture card.    Annoyingly it was my mistake that lost the bonus but I think its a slight trap anyone could fall into.     I signed up for the card in January of this year.    The sign up deal is that you get 40,000 bonus miles when  "once you spend $3,000 on purchases within the first 3 months".    OK thats easy enough and I've done this kind of spending deal on several cards before.   But no.

Make sure you figure out when the clock starts and what the exact time period is to meet a sign up bonus.

Some cards start the period on the day you sign up for the card.

Today I added up the spending on my first 3 monthly statements and I'm a bit over the minimum required $3,000 at about $3,025.   So I should get the bonus right?   No.    The clock for the bonus spending requirement started the day that I applied for the card.   The clock did not start when I got the card.   The clock didn't start when the statement periods started either.      I spent my $3000+ in the first three statements and missed the deadline by two weeks.    So that is annoying.  Lesson learned.    At least I can do is pass on the heads up to maybe help someone else from finding the problem.


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