Comments on: Two Must-Do Money Saving Tips http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/ A site to share my tips, tools, and humble thoughts on the journey to wealth Sun, 02 Oct 2011 19:26:45 +0000 hourly 1 http://wordpress.org/?v=abc By: Credit Card - Balance Transfer Reminder http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/comment-page-1/#comment-2288 Credit Card - Balance Transfer Reminder Fri, 26 Jan 2007 09:41:56 +0000 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/#comment-2288 It is worth checking out this website. <a href="http://www.balancetransferreminder.com" rel="nofollow">www.balancetransferreminder.com</a> It's a free service that sends you an e-mail reminder before your 0% or promotional credit card, loan or mortgage rate ends. Credit card companies, banks and other lenders often offer 0% or promotional rates to entice you into using their products. However forget to transfer to another deal and you could end up paying lots of interest! Regards, Richard. It is worth checking out this website.

http://www.balancetransferreminder.com

It’s a free service that sends you an e-mail reminder before your 0% or promotional credit card, loan or mortgage rate ends. Credit card companies, banks and other lenders often offer 0% or promotional rates to entice you into using their products. However forget to transfer to another deal and you could end up paying lots of interest!

Regards,

Richard.

]]> By: credit card rewards enthusiast http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/comment-page-1/#comment-1672 credit card rewards enthusiast Sat, 04 Nov 2006 04:48:20 +0000 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/#comment-1672 Yeah, well, actually it's even a bit worse than 3%. The Citi Dividend Platinum Select now only pays out 2% cash back on gas stations, grocery stores, and drug stores (as of 10/13/2006). There are some decent replacement cards though, such as the Citi Driver's Edge (6% for the first year), AmEx Blue Cash (5%), Direct Rewards card (5%), etc. Depending on the categories in which you spend money (e.g. restaurants, travel, etc.), it's possible that other cards would pay you more cash back or that you would greatly benefit from a 2-card or 3-card combination. (I have 3 cards.) There is a free calculator tool at <a href="http://www.creditcardtuneup.com/" rel="nofollow">Credit Card Tune-Up: Maximize Your Cash Back Rewards</a> (www.creditcardtuneup.com) that will calculate the best card and mixes of cards for your spending profile. Yeah, well, actually it’s even a bit worse than 3%. The Citi Dividend Platinum Select now only pays out 2% cash back on gas stations, grocery stores, and drug stores (as of 10/13/2006).

There are some decent replacement cards though, such as the Citi Driver’s Edge (6% for the first year), AmEx Blue Cash (5%), Direct Rewards card (5%), etc. Depending on the categories in which you spend money (e.g. restaurants, travel, etc.), it’s possible that other cards would pay you more cash back or that you would greatly benefit from a 2-card or 3-card combination. (I have 3 cards.)

There is a free calculator tool at Credit Card Tune-Up: Maximize Your Cash Back Rewards (www.creditcardtuneup.com) that will calculate the best card and mixes of cards for your spending profile.

]]> By: My 1st Million At 33 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/comment-page-1/#comment-1302 My 1st Million At 33 Thu, 14 Sep 2006 07:16:36 +0000 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/#comment-1302 <strong>Replacement for Citi Dividend Platinum Select Card...</strong> Yes, Citibank Dividend Platinum Select card will no longer pay out 5% but 3% cashback on gasoline, grocery, and drug, starting October. I have found my replacement credit cards. I have planned to cancel my cards, and have applied & received the f... Replacement for Citi Dividend Platinum Select Card…

Yes, Citibank Dividend Platinum Select card will no longer pay out 5% but 3% cashback on gasoline, grocery, and drug, starting October. I have found my replacement credit cards.
I have planned to cancel my cards, and have applied & received the f…

]]> By: frugal http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/comment-page-1/#comment-958 frugal Thu, 10 Aug 2006 12:24:26 +0000 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/#comment-958 Well, not necessarily. I think if you have spare money that you don't need for a long time, you may want to put some into a CD right now at about 5.7% at IndyMac. Fed may start cutting interest rate towards the end of this year. At such time, all rates in money market and CD will be falling. Well, not necessarily. I think if you have spare money that you don’t need for a long time, you may want to put some into a CD right now at about 5.7% at IndyMac. Fed may start cutting interest rate towards the end of this year. At such time, all rates in money market and CD will be falling.

]]> By: Mmm... Life... http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/comment-page-1/#comment-957 Mmm... Life... Thu, 10 Aug 2006 11:36:35 +0000 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/#comment-957 At rates like 5.15%, people should also realize that they should NOT be putting money in CD's that are earning the same (or barely higher) rates. The great thing about savings accounts is that you don't sacrifice any liquidity while earning the same rate, so if a better opportunity comes along, you can start earning that better rate. At rates like 5.15%, people should also realize that they should NOT be putting money in CD’s that are earning the same (or barely higher) rates. The great thing about savings accounts is that you don’t sacrifice any liquidity while earning the same rate, so if a better opportunity comes along, you can start earning that better rate.

]]> By: frugal http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/comment-page-1/#comment-791 frugal Thu, 03 Aug 2006 13:31:59 +0000 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/#comment-791 John, "spending more to get more cash back" is a broken logic as you said (and I didn't say that by the way). Everyone has to spend to live & eat. So might as well getting back some percentages that the merchants pay to Visa/Mastercard as their cost of doing business. In fact, it's almost stupid not to get some cash back while you can. Why would you want to pay cash, when the merchants incorporated the roughly 2% cost to Visa/Mastercad into their pricing model, and charged you for it? John, “spending more to get more cash back” is a broken logic as you said (and I didn’t say that by the way). Everyone has to spend to live & eat. So might as well getting back some percentages that the merchants pay to Visa/Mastercard as their cost of doing business.

In fact, it’s almost stupid not to get some cash back while you can. Why would you want to pay cash, when the merchants incorporated the roughly 2% cost to Visa/Mastercad into their pricing model, and charged you for it?

]]> By: John http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/comment-page-1/#comment-788 John Thu, 03 Aug 2006 08:00:10 +0000 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/#comment-788 If the broken logic of "spending more to get more cash back" finds any fertile ground in your mind, then there's no sense in using a cash-back card. I kinda want one anyway. If the broken logic of “spending more to get more cash back” finds any fertile ground in your mind, then there’s no sense in using a cash-back card. I kinda want one anyway.

]]> By: Freedumb http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/comment-page-1/#comment-768 Freedumb Tue, 01 Aug 2006 20:31:55 +0000 http://www.1stMillionAt33.com/2006/08/two-must-do-money-saving-tips/#comment-768 Great write up! I can't imagine not taking advantage of the 2 musts you listed. Great write up! I can’t imagine not taking advantage of the 2 musts you listed.

]]>