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Popps
02-07-2009, 11:44 PM
So, I was thinking given the economy and the state of things, it might be interesting to have a sort of "all things helpful" thread. It's amazing what's out there that we might not have heard of, or thought of to save some money, time, trouble, etc.

My thought for the thread is that it doesn't have to be too specific as far as genre, but it should be concise and specific as far as details, links, etc. In other words... not just saying "use coupons"... but giving a link to a source someone might not have thought of.

Some very basic examples could be...
-Discount sites
-Investing/savings tips with specific resources/links
-Coupons
-Ways to cut expenses on insurance (for example) with links to reputable source
-Tax write-off ideas (with links to further explanation) ... etc.

I think if the thread got rolling, it could produce some interesting results. I'll try to kick it off with some very random ideas.

Again, the concept here would be an idea that perhaps a few people may not have thought of... or just things people might overlook.

Popps
02-07-2009, 11:46 PM
For new investors, this is pretty sweet...

http://www.sharebuilder.com/

In specific, they now offer a sort of "all you can eat" plan that allows something like 5 stock purchases to be automated up to once a week (I believe) for only $12!

Not really for traders, but a great deal for long-term investors.

Popps
02-07-2009, 11:48 PM
Just posted this one on another thread...

Free credit reports... literally FREE, not the bull**** where you sign up for 30 days and they **** with you. The law entitles you to 1 report from all agencies, once per year...


https://www.annualcreditreport.com/cra/index.jsp

Popps
02-07-2009, 11:51 PM
If you are thinking about buying or leasing a new car, this is a regularly updated list of the incentives the manufacturers are offering...

http://www.edmunds.com/incentives/RebateController?vdp=off&step=1&setzip=91506&change=Change+zip+code

(Change the zip code to your own)

Popps
02-07-2009, 11:52 PM
If you have kid(s) .... get VERY familiar with this:

http://www.sec.gov/investor/pubs/intro529.htm

529 College savings plans.

(When will the government allow the same for private schools!? For those in states with poor public schools, this should be
an option... or anywhere, imo.)

Popps
02-07-2009, 11:57 PM
Oh, another note on the car purchasing...

Aside from Edmunds, if you're interested in leasing... be sure to ask the dealer if the manufacturers finance arm is offering any lease incentives.

Just got my wife a Volvo for a ridiculous price because Volvo Finance is offering a MASSIVE incentive to the dealer to offer leasing through another bank. In this case, U.S. Bank is writing the leases and you get a huge discount from Volvo. They're literally paying the dealers to finance the deal elsewhere.

Dig below the surface. There is a lot of this stuff going on and it's not always widely advertised. I found out about that by digging around auto message boards.

Cito Pelon
02-07-2009, 11:58 PM
I don't know about specifics, but if you're into the philosophy of 'buy low', now is the time to buy. I'm seriously thinking about buying another rental property even though I don't want that headache again. I'm not a big stocktrader, but I'm moving my mutual funds into stocks again and out of money market funds.

That's the best I can do for you, Popps.

Popps
02-08-2009, 12:00 AM
AAA

Not a secret, but some of the new drivers here might not be aware of how kick-ass it is to be a cardholder.

Cheap as hell, and if you live in CA... it's worth it for the DMV services, alone.

One tow, or call-out for even a dead battery and it pays itself off.

You also get discounts out the wazoo. (Hotels, rental cars, etc.)

Again, not a secret... but I actually let mine lapse for a couple years and renewed it after I realized how silly that was!


http://www.aaa.com/AAA_Travel/MemberServices/member_services.htm

Popps
02-08-2009, 12:04 AM
I don't know about specifics, but if you're into the philosophy of 'buy low', now is the time to buy. I'm seriously thinking about buying another rental property even though I don't want that headache again. I'm not a big stocktrader, but I'm moving my mutual funds into stocks again and out of money market funds.

That's the best I can do for you, Popps.

Cool, I figure maybe people will spark ideas and maybe just pull this thread up from time to time.

I also agree that buying into the market right now is a good thing to do.

http://www.tdameritrade.com/welcome1.html

TD Ameritrade is a great site for traders.

I advise people to call them and try to haggle out a deal. Tell them you have 5K to open an account, but you want 100 free trades. You'd be surprised how willing companies are to make deals right now.

On an unrelated note, someone posted here recently that they got their cable bill reduced by just haggling. I also recall people saying they got the NFL Sunday Ticket cheap by right before game day, or in week 2...and haggling.

Popps
02-08-2009, 12:08 AM
Free Amazon Prime Trial

One month free!

Not a bad time to start with V-day coming.

Amazon Prime isn't what it used to be, but you can still save a ton of money in the course of a year if you remember to use it. I used to use it to order baby supplies.

I imagine more items may start shipping free again (prime) now that gas prices have come down. But, that's just a guess. Anyway, it's free to check out for a month...

http://www.amazon.com/prime

Florida_Bronco
02-08-2009, 12:10 AM
I haven't personally used them, but I know people who have had good luck with Restaurant.com

http://www.restaurant.com/

Anaximines
02-08-2009, 12:12 AM
all you need:

fatwallet.com

NYBronco
02-08-2009, 04:10 AM
I don't know about specifics, but if you're into the philosophy of 'buy low', now is the time to buy. I'm seriously thinking about buying another rental property even though I don't want that headache again. I'm not a big stocktrader, but I'm moving my mutual funds into stocks again and out of money market funds.

That's the best I can do for you, Popps.

We have a rental property and dropped the rent for our current tenants in an effort to keep them.

Dedhed
02-08-2009, 04:42 AM
www.ebay.com

If you haven't used ebay because you're worried about getting scammed, get over it.

You can get a great price on just about anything, and I would bet the average person could find $2500 worth of crap in their attic. Take an honest look at the junk you have lying around, take some pictures and get rid of it for some cash.

Paladin
02-08-2009, 07:20 AM
The Edmunds site was helpful, Popps. Thanks.

I am thinking about getting a new vehicle.

Rulon Velvet Jones
02-08-2009, 07:23 AM
Slickdeals.net

Spyoptics.com weekly deal is awesome

Dukes
02-08-2009, 07:24 AM
If anyone in Colorado or Utah is interested in buying a used car, I'd check out Autosourcemotors.net in Utah. I'm not sure where they get their inventory, but most vehicles are $3000-$5000 less than a comparable car in Colorado.

hades
02-08-2009, 08:48 AM
I sasw this in Yahoo Finance the other day, if you shop online, there are tons of coupons you can use.
http://finance.yahoo.com/family-home/article/106535/Coupon-Web-Sites-Never-Pay-Full-Price-Again


http://print.coupons.com/Couponweb/Offers.aspx?pid=13306&zid=iq37&nid=10

http://www.couponcabin.com/index.htm

http://www.retailmenot.com/

Requiem
02-08-2009, 09:23 AM
For new investors, this is pretty sweet...

http://www.sharebuilder.com/

In specific, they now offer a sort of "all you can eat" plan that allows something like 5 stock purchases to be automated up to once a week (I believe) for only $12!

Not really for traders, but a great deal for long-term investors.

I have been looking into investing lately, and quite honestly being 21 -- I'd like to start as early as possible. Popps, I'm not privy to a lot of this financial stuff; but do you think this is a pretty good investment opportunity? If you have any additional resources regarding ING Direct (I've heard good things about them, and a friend actually referred me to them as well.) I know it isn't a lot, but I could afford to invest about 500 bucks into something right now and have been looking for options.

If anyone else has any suggestions, ideas or advice for me -- let me know.

Popps
02-08-2009, 10:27 AM
I have been looking into investing lately, and quite honestly being 21 -- I'd like to start as early as possible. Popps, I'm not privy to a lot of this financial stuff; but do you think this is a pretty good investment opportunity? If you have any additional resources regarding ING Direct (I've heard good things about them, and a friend actually referred me to them as well.) .


I believe ING pays a fairly nice percentage (in relative terms) on their checking/savings accounts and I've heard nothing bad about them at all. They own Sharebuiler, now. Acquired it a couple years ago.

I think right now is an excellent investment opp for people with long-term horizons. There are a lot of big companies with great balance sheets that had their stocks beaten down for no good reason.

You can also use Shabuilder to invest in ETFs, now. An ETF is a fund that's traded like a stock. So, it means you can sort of create your own mutual fund without having to put a ton of money in right away.

For example, you could set up your account to invest in:

IYH - Healthcare ETF
IYE - Global Energy ETF
ROM - Technology ETF

You could take three sectors like that... put $100 into each of them to start and then automate your account to invest $25 a month into each. (More as you can afford it.)

This dollar-cost-averages your investment (a good thing) and gives you a broad market purchase without having to take high risks on single companies.

Popps
02-08-2009, 10:27 AM
I sasw this in Yahoo Finance the other day, if you shop online, there are tons of coupons you can use.
http://finance.yahoo.com/family-home/article/106535/Coupon-Web-Sites-Never-Pay-Full-Price-Again


http://print.coupons.com/Couponweb/Offers.aspx?pid=13306&zid=iq37&nid=10

http://www.couponcabin.com/index.htm

http://www.retailmenot.com/


This is great.

Popps
02-08-2009, 10:31 AM
Flexible Spending Account

Check with your employer to see if this is offered. You can do some research on-line. Here's the Wiki overview:
http://en.wikipedia.org/wiki/Flexible_spending_account

Basically, money is pulled out of your pay-check BEFORE TAXES and put into an account for you to use for medical and transportation expenses for the year. (You pre-set the amount.)

ANY pre-tax money pulled from your check is like a gift from god. It's a little tricky to figure out the right amount, so start conservative.

Popps
02-08-2009, 03:23 PM
I have been looking into investing lately, and quite honestly being 21 -- I'd like to start as early as possible. Popps, I'm not privy to a lot of this financial stuff; but do you think this is a pretty good investment opportunity? If you have any additional resources regarding ING Direct (I've heard good things about them, and a friend actually referred me to them as well.) I know it isn't a lot, but I could afford to invest about 500 bucks into something right now and have been looking for options.

If anyone else has any suggestions, ideas or advice for me -- let me know.

http://www.filife.com/reviews/ing-direct-sharebuilder

Just stumbled upon that. It says $50 for opening a Sharebuilder account. Not too shabby. Double-check the link, though. It just came up in a google search.

BABronco
02-08-2009, 03:36 PM
http://www.dansdeals.com/

http://www.fatwallet.com/forums/hot-deals/

http://slickdeals.net/

enjoy

Dukes
02-08-2009, 03:52 PM
http://www.jomashop.com/

Up to 50% off on authentic watches. I've bought a few and they're legit.

BABronco
02-08-2009, 03:56 PM
Free silver (real silver jewelry)

http://www.silverjewelryclub.com/

enjoy

RMT
02-08-2009, 03:57 PM
http://www.techbargains.com/

RMT
02-08-2009, 03:59 PM
http://www.netquote.com/ to save on insurance.

i used it and ended up saving $1000/year on my car insurance going from all-state to esurance

broncos-rock
02-08-2009, 03:59 PM
With circuit city closing there are some good deals there! Found a nikon d40 for $349 with lens

RMT
02-08-2009, 04:10 PM
earn points towards gift cards, etc.

http://www.mypoints.com/ ... members earn points for referrals (i'm NOT asking you to use me as a referral" but if you wish to, send me a PM and i'll send a direct link to you) :)

earn points for playing games at http://club.live.com/ (this site is run by Microsoft so if you have a hotmail address or live.com account, you can sign in) - i've used my points to get 30,000 frequent flier miles over the past 6 months.

Popps
02-08-2009, 04:41 PM
With circuit city closing there are some good deals there! Found a nikon d40 for $349 with lens

Nice.

I've wondered how those closings have been going. I was over there one day (by chance) but couldn't even find a parking spot.

BABronco
02-08-2009, 04:44 PM
Nice.

I've wondered how those closings have been going. I was over there one day (by chance) but couldn't even find a parking spot.

Goodies is closing in my area, not sure about nation wide. They are having some sick sales. Got 5 good pair of jeans for 40 bucks.

Dukes
02-08-2009, 04:44 PM
Nice.

I've wondered how those closings have been going. I was over there one day (by chance) but couldn't even find a parking spot.

I wasn't impressed a couple weeks ago when I went there. You could tell everything was marked up, then down with a sale tag on it. Everybody was walking out of the store empty-handed.

broncosteven
02-08-2009, 05:28 PM
So, I was thinking given the economy and the state of things, it might be interesting to have a sort of "all things helpful" thread. It's amazing what's out there that we might not have heard of, or thought of to save some money, time, trouble, etc.

My thought for the thread is that it doesn't have to be too specific as far as genre, but it should be concise and specific as far as details, links, etc. In other words... not just saying "use coupons"... but giving a link to a source someone might not have thought of.

Some very basic examples could be...
-Discount sites
-Investing/savings tips with specific resources/links
-Coupons
-Ways to cut expenses on insurance (for example) with links to reputable source
-Tax write-off ideas (with links to further explanation) ... etc.

I think if the thread got rolling, it could produce some interesting results. I'll try to kick it off with some very random ideas.

Again, the concept here would be an idea that perhaps a few people may not have thought of... or just things people might overlook.



My biggest savings has been using the Public Library rather than renting movies.

I was surprised with the DVD selection at my local library. When I exhausted the local one I found out you can use your card at any library and am now going to one in a ritzy town that has a lot of money.

You can reserve movies, the only problem is the wait but I got over that.

I we haven't rented a movie in months and are saving about $15 bucks a week.

The best thing is when I checked out the crapiest movie ever, "the love guru" I didn't care because I paid nothing for it.

Dukes
02-08-2009, 05:33 PM
My biggest savings has been using the Public Library rather than renting movies.

I was surprised with the DVD selection at my local library. When I exhausted the local one I found out you can use your card at any library and am now going to one in a ritzy town that has a lot of money.

You can reserve movies, the only problem is the wait but I got over that.

I we haven't rented a movie in months and are saving about $15 bucks a week.

The best thing is when I checked out the crapiest movie ever, "the love guru" I didn't care because I paid nothing for it.

The library is a great resource if they have a good selection.

Popps
02-08-2009, 05:34 PM
I wasn't impressed a couple weeks ago when I went there. You could tell everything was marked up, then down with a sale tag on it. Everybody was walking out of the store empty-handed.

Yea... people are poaching. They'll wait for the 40% off deals to start hitting the big-name products before swooping in, and then it's the type of thing where you have to camp out. (No thanks.)

But, if you could catch a hint of when the drops will happen... it could be interesting.

broncosteven
02-08-2009, 05:36 PM
The library is a great resource if they have a good selection.

I have even checked out books! Did you know they have books too?

Lol

Meck77
02-08-2009, 05:37 PM
www.kayak.com

flights, car rentals, hotels...Fast!

_Oro_
02-14-2009, 05:43 PM
Has anybody found a better rewards credit card than Citi Dividend or Chase Freedom?

Those 2 are the best I've been able to find. The Dividend used to be great but apparently it was too great so they changed the rewards program.

Meck77
02-14-2009, 07:01 PM
www.yelp.com

"Real People, Real Reviews"

I've been able to find some real good grub via this site.

Popps
02-14-2009, 08:28 PM
Has anybody found a better rewards credit card than Citi Dividend or Chase Freedom?

Those 2 are the best I've been able to find. The Dividend used to be great but apparently it was too great so they changed the rewards program.

I might be in the minority, but Capital One has been one of my best. I moved a balance from a business card over and they gave me zero percent on the transfer and a locked-in (low) rate after that. You really have to watch your cards if you have a balance ever, or even if you don't.

Also, highly... highly... highly recommend joining a credit union. What a difference dealing with them as opposed to my other banks.

Needa Pass Rush
02-14-2009, 09:11 PM
http://www.travelzoo.com/

Needa Pass Rush
02-14-2009, 09:12 PM
http://www.smart401k.com/

Meck77
03-28-2009, 08:11 AM
Travel 30,000 miles around the world for $3,799. Up to 10 stops!

http://www.airtimetable.com/around_world_airfare_wings.htm