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Old 02-07-2009, 11:44 PM   #1
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Default 2009 Deals and Resources Thread

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.
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Old 02-07-2009, 11:46 PM   #2
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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.
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Old 02-07-2009, 11:48 PM   #3
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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
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Old 02-07-2009, 11:51 PM   #4
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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/Re...hange+zip+code

(Change the zip code to your own)
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Old 02-07-2009, 11:52 PM   #5
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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.)
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Old 02-07-2009, 11:57 PM   #6
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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.
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Old 02-07-2009, 11:58 PM   #7
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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.
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Old 02-08-2009, 12:00 AM   #8
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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/Member...r_services.htm

Last edited by Popps; 02-08-2009 at 12:04 AM..
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Old 02-08-2009, 12:04 AM   #9
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Quote:
Originally Posted by Cito Pelon View Post
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.
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Old 02-08-2009, 12:08 AM   #10
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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
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Old 02-08-2009, 12:10 AM   #11
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I haven't personally used them, but I know people who have had good luck with Restaurant.com

http://www.restaurant.com/
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Old 02-08-2009, 12:12 AM   #12
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all you need:

fatwallet.com
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Old 02-08-2009, 04:10 AM   #13
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Quote:
Originally Posted by Cito Pelon View Post
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.
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Old 02-08-2009, 04:42 AM   #14
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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.
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Old 02-08-2009, 07:20 AM   #15
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The Edmunds site was helpful, Popps. Thanks.

I am thinking about getting a new vehicle.
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Old 02-08-2009, 07:23 AM   #16
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Slickdeals.net

Spyoptics.com weekly deal is awesome
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Old 02-08-2009, 07:24 AM   #17
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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.
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Old 02-08-2009, 08:48 AM   #18
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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...ll-Price-Again


http://print.coupons.com/Couponweb/O...id=iq37&nid=10

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

http://www.retailmenot.com/
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Old 02-08-2009, 09:23 AM   #19
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Quote:
Originally Posted by Popps View Post
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.
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Old 02-08-2009, 10:27 AM   #20
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Quote:
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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.
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Old 02-08-2009, 10:27 AM   #21
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Quote:
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This is great.
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Old 02-08-2009, 10:31 AM   #22
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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.
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Old 02-08-2009, 03:23 PM   #23
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Quote:
Originally Posted by Requiem View Post
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.
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Old 02-08-2009, 03:36 PM   #24
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http://www.dansdeals.com/

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

http://slickdeals.net/

enjoy
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Old 02-08-2009, 03:52 PM   #25
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http://www.jomashop.com/

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