Just the Tip(s)

Category Archives for Just the Tip(s).

AncestryDNA Vs 23andMe – Which Ancestry Test Is Best?

Over the holidays, I did something I’ve wanted to do for a long time: starting tracing my ancestry. Because both AncestryDNA and 23andMe had DNA tests on sale for Cyber Monday, I decided to get both – and compare.

AncestryDNA Vs 23andMe

Which DNA test reigns supreme?

For the basics, they’re pretty much the same – with an edge to AncestryDNA because of its bigger database.

But the health reports addition to 23andMe blew me away. And it’s worth spending the extra money to unlock a huge amount of personal information you might not even be aware of yet. That’s scary and exhilarating – and makes you consider how much you really want to know.

Dang it, I already let it slip which one I like more. #fairandbalanced 🤷🏻‍♂️

AncestryDNA Vs 23andMe Review

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Use Earny for Automated Visa and MasterCard Price Protection

I wrote about Trim and Paribus to track price changes and get a refund from merchants. Now there’s Earny, which tracks price changes and uses price protection from many bank Visa and MasterCard credit cards – and files the claims for you automatically. In return, they take 25% of the bounty.

earny app

Earny automates price protection with several bank Visas and MasterCards

I shop online a lot with my Citi AT&T Access More card (no longer available although you can still product change to it). All Citi personal cards come with Citi Price Rewind, which puts the onus on you to file a claim if you find a lower price. But now Earny automates the work. After you link your cards, nothing else is required to file a claim when Earny finds a lower price.

If you shop online a lot, this could save you big bucks!

What’s Earny?

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7 Holiday Gift Ideas for Travelers (Many With Discounts)

Also see: 

Merry merry! What a year it’s been. Some amazing products and services crossed my path this year. And I want to share them in case you need some gift ideas for the travelers in your life.

I have personally used them all. And can attest to their quality. It can be a challenge to shop when you don’t know exactly what to get someone. Consider these!

(And for good measure, here are some stocking stuffer ideas.)

Holiday Gift Ideas for Travelers

1. A new blazer and/or chinos

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Trim + Paribus: 2 MUSTS for Online Holiday Shopping (Save Money & Time)

If you plan on purchasing gifts online this holiday season, there are two major things to watch for: price drops and missed delivery dates.

Price drops are extremely common with the onslaught of Black Friday/Cyber Monday deals – and often there are even more as “the big day” draws near.

Trim is useful to:

  • Track price changes on Amazon
  • Set spending alerts
  • Monitor your monthly subscriptions
  • Get the best price on your cable/internet bill
track price changes

Trim lets you know when a price on Amazon decreases

And I wrote about Paribus waaaay back in May 2015. Not only has their service improved – it’s now completely free.

It’s helpful for tracking price drops at tons of merchants. And helps you get a little something if there’s a late delivery.

Both of these tools can save you money in the background while you go about your shopping. They’re even better when their powers combine.

Trim aims to help your overall financial life

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New Credit Card Checklist: What to Do When You Receive Your New Card

Getting a new credit card is a big step for lots of peeps. It’s a new account, new financial history, and something else to track.

New Credit Card Checklist

Did you know your new credit card came with a checklist? It does. Sorry 

Some of you might be like “Ugh,” but I’m like “Yay!” Even though I have 33 credit cards right now (yep!).

Here are the steps I take with each new card. And you should, too. It’ll help maximize your benefits, earn more rewards, and keep track of what’s what!

So ya got a new card, eh?

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

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. Easy win: $1 from Ibotta every time you ride

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How (and Why!) to Use Mint.com to Track Your Credit Card Spending

With over 30 credit cards in my sock drawer wallet now, I have a lot to keep track of. Especially minimum spending requirements and limited-time promotions. I’ve long advocated everyone use Mint.com to track transactions on all their accounts.

Especially because you can see your transactions at a glance – that’s helpful to monitor any unwanted activity if you have several accounts.

mint card spending

Mint.com is the (free!) ace in your hole

But there’s another extremely helpful use: you can track your spending on a particular account based on date or timeframe. Which helps you know how close you are to meeting a spending threshold. Here’s how.

Mint.com – an easy way to track your spending

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5 Ways to Earn Points for Airbnb Stays (10% Back at Least!)

My friend Meghan asked if I knew of any ways to save on an Airbnb booking. I gave the obvious one – get $40 off a $75+ stay with a new account.

New to Airbnb? Save $40 off your first $75+ stay

Most everyone already has an Airbnb account by now. But if you don’t, here’s my link if you’d like to sign up (and I’ll get a $20 travel credit as well).

That’s honestly the biggest savings. Still, there are other ways to get a return on your Airbnb stay: earn points or miles for it. Depending how you like to redeem them, you can get big value by stacking a few of the methods I’ll tell you about.

Lezz begin, shall ve?

5 ways to earn points and miles for Airbnb stays

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Costco Members: 2 Dozen Kirkland Golf Balls for ~$35! (Limit 2)

Quick!

If you’ve been on the hunt for the Kirkland Signature 4-piece Urethane Cover Golf Ball, here’s your chance because they’re back in stock!

Kirkland Signature Golf Balls

Kirkland Signature Golf Balls are a hot item in the resell community

They’re ~$30 for 2 dozen, shipping is ~$5, some states have taxesand the limit is 2 per membership. If you’ve been looking for these either to resell or just have as gifts or to use, go go go!

The elusive Kirkland Signature Golf Balls are back

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I Had to Use (My Chase Visa’s) Primary Rental Car Insurance – and Saved $692!

It finally happened – I had to file a claim to use my card’s collision damage waiver benefit. I knew the day would arrive sooner or later.

After I hiked down from Granite Park Chalet, I found my rental car had a little *DING* on the front passenger side door. The parking lot was packed, and it was obvious someone parked too close and opened their door too hard into my rental car. It was nearly imperceptible to the point where I thought about not saying anything about it.

Primary Rental Car Insurance

See that little dent? Yeah, I nearly didn’t either… *grumble*

But, I was responsible and filed a proper report when I returned the car. I wasn’t expecting to ever hear anything about it again. Until one day, I got a random call saying they filed a claim against me. In a near-panic, I filed my own claim online through Chase in just a few minutes.

THANK GODS I waived the CDW and put the charge on my Chase Sapphire Reserve card. Taking those small steps saved me nearly $700 – for a little ding on a car door.

Chase Sapphire Reserve Primary Rental Car Insurance

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Last Day: Get 5,000 Drop Points ($5) for Out and Out Readers!

Special Drop Offer for Out and Out Readers: 5,000 Point Sign-Up Bonus!

Just a quick reminder. Spencer from Straight to the Points set up a special promotion code for Out and Out readers for downloading the Drop app.

Get 5,000 Drop Points

Get early access to Drop!

You get:

  • Early access to the app
  • Higher earning rates if you sign-up today
  • 5,000 Drop points with promotion code “outandout” – worth a $5 gift certificate at tons of merchants

There’s also an ongoing offer to earn extra points with Plastiq. If you haven’t already, take a minute this Saturday and get $5 free for downloading!

After you link your banks, the points add up automatically. The only reason you’d want to interact with the app is to activate special offers and redeem your points.

There’s currently a waitlist for the public – but the promotion code above also gets you early access. It’s a pretty cool deal, so definitely take advantage if you haven’t already!

Boom

You can also search “earn with Drop” or “Drop loyalty” in your device’s app store to find the app. Follow the prompts and under the “Account” section under Settings, there’s a box that says, “Have a code?” Click it and enter “outandout” to activate your bonus. 👍🏻

Oh and if you can’t find the Plastiq offer listed under “Ongoing Offers” shoot Drop a quick email (inside the app) and ask them to add it for you. Other readers have had success that way.

Thank you for reading – hope you all have a good weekend! 😺