Just the Tip(s)

Category Archives for Just the Tip(s).

Have You Checked Your Small Business Credit Score Lately? Get It for Free Here.

Nav is a service that’s primarily set up to match small businesses to financing options, loans, and credit cards. And as an added resource, they let you pull your small business credit report for free.

If you’ve ever opened a small business credit card, you probably have a business credit score. Through Nav, you can see your business risk grade from Experian, Equifax, and Dun & Bradstreet.

Experian and Equifax give you a grade of A through F, while Dun & Bradstreet use their own scoring model with a rank between 0 and 100.

But small business credit reporting is still the Wild West, because they match business names and addresses – and these aren’t always unique, so they do a lot of “near matching.” It’s a good idea to check the information that’s out there, particularly if you have a generic business name.

Plus, it’s free to check with Nav, so why not?

nav credit report

I still rent my spare room on Airbnb, and use the income I make to apply for small business credit cards. My Experian credit grade is a B 

Here’s more about your business credit score.

Nav credit report – pull it for free

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Good Deal: Get a Year of VPN Service for $24 – Secure Your Desktop & Mobile Traffic

I’ve been looking to get a VPN (Virtual Private Network) for a while now. While there are pros and cons to using a VPN, the good stuff far outweighs the bad.

Having a VPN:

  • Lets you steam content from anywhere (no geoblocks!)
  • Gives you a new IP address
  • Protects you when using unsecured public wifi (like in airports)
  • Secures VOIP phone calls
  • Prevents your ISP from tracking BitTorrent and other torrent sites
  • Helps you get around bandwidth throttling tied to your IP address

I primarily use a VPN to stream content from other countries (like when Spotify or YouTube says “this isn’t available in your country” – problem solved), and torrenting. Though when I’m connected to a VPN, I have to go through the whole security routine with bank logins (they want to send a text or email to confirm it’s me – which is a PITA).

That said, I found a deal to get 12 months of NordVPN service for $24 – and so far, I really like it! Particularly because they have apps for every device. So I can secure the traffic on my iPhone. Because I already use Face ID for most apps, the security is actually much easier for mobile.

I’ll show you how to stack the deal to pay $24 for a year of service.

nordvpn coupon

Get a year of NordVPN for $24 – better than a sharp stick in the eye

They also have a 30-day money back guarantee, and make it super easy to cancel auto-payments.

NordVPN coupon + TopCashback = $2 a month for a year of VPN service

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Using Points for Emergency Travel: Why Having a Stash Is a Huge Relief for Same-Day Flights

What a week. Just got back from Memphis. Last Friday, I got one of those phone calls. One of those drop everything and fly home right this minute phone calls.

My dad was in the ICU with a brain lesion near his optical nerve – and no one knew why. Doctors thought it could be anything from a simple infection all the up to brain cancer. He had to have biopsy surgery to find out.

Tickets home were $659 round-trip, or $329 each way. I didn’t want to spend the cash, so I went to my usual tricks: using miles and points to fly cheap or free.

I threw clothes in a bag and headed to the airport. This was the first time I’d ever had to fly back so quickly. It was a bizarre experience I don’t want to repeat any time soon.

And it showed me why having a stash of points ready to use at all times is so important for these situations.

points for emergency travel

I hate hospitals. Using points got me home the same day my dad went to the ICU

Here’s the series of quick steps I used to fly home right away.

When you have to fly immediately, having points for emergency travel can help so much

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Hacking Uber: Earn Points, Cashback, and Credits Every Time You Ride 🚙

Updated 5/23/19.

I’ve been riding Uber more lately because they make it so easy to stack multiple offers when you ride.

earn points with uber

Oh, Uber. I am “getting there”

And, I’m hopeful they’re slowly but surely turning things around.

With Lyft, you can only earn 1X Delta miles – and 30 JetBlue points on airport trips. Which, meh.

I’d rather earn cashback and Drop points, use travel credits, and get Uber credits for shopping around town. And many times you can stack these deals. You know I love a good stack!

1. Earn points and get cashback with Freebird

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The 12 Best Card-Linked and Cashback Apps (10 Get You Completely Free Rewards)

Lord knows I love playing around with new apps on my phone, especially in the interest of free, passive cashback just for linking my cards one time.

And other apps can save you money too, but require more interaction. I’m happy to click a few buttons to earn a few free bucks.

There are a LOT of card-linked and cashback apps out there.  Here are the 6 best card-linked apps, and 6 best cashback apps.

Between the 12, you stand to gain $95+ right out the gate!

 

best cashback apps

These apps get you ongoing rewards for linking your cards. Set and forget!

Between them all, I’ve gotten back $100s in free rewards in the form of cash and gift cards.

12 Best Apps for Free Rewards

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Up to $10 Back for Uber & Lyft Rides + Earn Points Every Time With Freebird

I recently discovered Freebird – an app that aims to reduce drinking and driving, and partners with local bars, restaurants, and liquor companies to reward consumers for taking Uber or Lyft rides to their businesses (and back home). Rewards come in the form of points per ride, and cashback when you visit a participating business.

And right now, you can get up to $10 back when you connect your Uber and/or Lyft accounts and start riding.

Even better, it pulls prices directly from Uber and Lyft – but booking through Freebird gets you the benefit of earning rewards on every ride.

I’ve been using it for a week or so and I gotta say, it’s pretty cool.

freebird

Freebird is an app that connects to Uber and Lyft and rewards you for riding

Here’s how to get the cashback.

What’s Freebird?

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Awesome Targeted Deal: Up to 50% Off at Amazon With 1 Amex Membership Rewards Point

Talk about an amazing deal – you can get $30 off a $60+ Amazon purchase when you use 1 Amex Membership Rewards point and put the rest on a qualifying Amex card.

This deal is targeted. You can check your account at this link to see if you’re eligible.

It was in my account, so I immediately got a $60 Whole Foods gift card for only $29.99. That’s 50% off!

The deal works on items sold and shipped by Amazon, and excludes digital content. I love easy wins like this.

Amazon Amex 30 off

I can get everything I need for my heavy metal detox smoothie for 50% off with this latest Amazon Amex promotion

Here are more deets!

Amazon Amex $30 Off $60+

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‘Tis the Season to Use 0% APR Cards to Avoid Interest for up to 21 Months (If You HAVE to Carry a Balance)

Happy New Year! I can’t believe it’s 2019! I’m working on travel plans and my credit card strategy – and soon I’ll have gigantic news to share.

If you spent too much over the holiday season, and carrying a balance is inevitable, consider transferring your balance to a new card with a 0% APR period.  They vary from 12 months to a staggering 21 months! This will hugely minimize the interest you’ll pay.

Depending which card you get, you won’t have to pay it off until January 2020 at the shorter end – or October 2020 at the longer end. That’s awesome!

Or if you have a big purchase coming up, opening a card with a 0% APR period gives you time to pay it back.

I’ve used both strategies successfully. But beware – pay close attention to the dates (which are listed on every statement you’ll get), or you’ll be right back where you started.

Still, it’s a LOT better than carrying a balance and paying huge interest rates. NEVER carry a balance if you can help it!

balance transfer cards

Paying interest negates any rewards you earn. Your balance will grow and you’ll get stuck on a debt treadmill – don’t do it!

Here are card options for balance transfers and big-ticket purchases. Because yes, life happens. Just try to control the damage as best you can.

Get unstuck with balance transfer cards

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Acorns Found Money: Automatic Cashback With 8 Merchants (BarkBox, Gas, Sam’s Club) & $60+ Free for Completing Offers

File this under semi-interesting. It’s niche, but worthwhile if you spend with any of the participating stores.

Acorns is offering free cashback (Found Money) for spending with a linked card at 8 merchants. Some are set amounts, others are a percentage back in your account.

And, you can earn $60+ for completing offers with their partners – things like free trials and insurance quotes.

I’ve earned $50+ for riding with Uber, filing taxes, and booking a pet sitter. So if these current offers don’t interest you, know they’re always rotating – and something’s bound to catch your interest sooner or later.

Acorns is an investment account that costs $1 per month. But considering how much free cash I’ve earned, it’s already paid for itself for several years.

You get a free $5 bonus when you signup using this link.

acorns found money

Don’t turn down free money! Just link your cards and spend like normal

Here’s how to get free cash coming your way.

Free Found Money with Acorns at 8 merchants (and it’s always changing)

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Dog Owners! Get Acorns & Earn Automatic Cashback to Invest With Rover & BarkBox Purchases – Just Link Your Card

It’s always nice to earn unexpected rewards for expected spending. That’s exactly what happened to me this week.

After I dropped my pup off at his sitter’s house (who I booked on Rover), I got an email saying I just got a $25 bonus from Acorns.  And when I checked my account, I saw another 5% back from his monthly BarkBox!

This is free, easy money if you use either service with regularity. All you have to do is link your card within your Acorns account. Nothing to activate!

But of course me being me, I had to go and stack it to the Nth degree. 😬

acorns rover barkbox

I love spoiling my critter. And getting free money for spending on him is even better!

I’ll share deals going on with both these popular merchants!

Get Acorns, Save With Rover and Barkbox

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Targeted: 20% Off (up to $100) at Amazon When You Use 1 Amex Point – Easy Savings!

Too good not to share. When you shop at Amazon, you can get 20% off items sold and shipped by Amazon when you use 1 Amex Membership Rewards point as part of your payment method – if you’re targeted.

The discount is good for up to $500 in purchases, which means you can save a maximum of $100.  But you can only use the discount once, and it’s good through December 23, 2018 – so use it for a big purchase this holiday season! Although Amazon could pull it way before that date.

20% off at amazon

Click the page and “Click to activate” 20% off at Amazon

Easy win if you shop at Amazon!

Save up to $100 (20% off) at Amazon with this promotion

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Before You Buy! Use a Shopping Portal & Get FREE Money When You Shop Online (Quick Recap of Current Bonuses)

Black Friday slash Cyber Monday is coming fast. Not only can you earn free cash, points, or miles, but use a shopping portal to get extra bonus money just for signing up and clicking a link before you shop.

Here’s a recap of current portal bonuses if you’re a new member, and a few apps that will give you free money when you shop.

If you’re going to buy stuff anyway, always get something back from it. Even if it’s a few bucks here and there, it all adds up!

use a shopping portal

Don’t miss out on bonus points for your troll doll purchases

Here’s a list of current bonuses!

Try a New Shopping Portal and Earn Free Cash

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