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Tuesday, February 17, 2015

Buying Merchants Gift Cards


http://www.towerhillhealth.com/wp-content/uploads/2012/11/gift-card.jpg


Discounted Gift Cards. Worth it?
Gift Cards has been around for so long and yet gift cards trading recently become a trend when online trading platforms were brought to consumers.

It may be tempting to buy gift cards at discounted price for the merchants that you shop often. However, you have to be always remember, gift cards are as good as cash under conditions but nowhere to replace cash. Cash is King.

When you purchase gift cards, you are basically paying your purchases in advance before you even decided what to buy. In most cases, your wants is not what you need. This is not a proper way to shop, in other words, your shopping is not a necessity.You tend to spend more to use up the balance with a gift card.

Remembering balances and carrying multiple gift cards is a pain. It is not convenient to carry multiple gift cards and remember the balances of each when you have a multiple merchants gift cards. A lot of times, there are even restrictions on when and where to use gift cards such as online shopping.

Tips in buying gift cards
  • Only buy gift cards from known merchants and those big chain stores. When a merchant go out of business, there may be a chance that you will not get to use the gift cards or redeem it back in cash terms.
  • Look at the fine prints on the back of the card or on the merchants' website. Some gift cards has condition of using it and may have an expiry date.
All in all, money is money. Evaluate your spending pattern and the gift cards discount being offer on your favorite stores. Spend your hard earned money wise and don't lock in too much money for something you don't really need.


Friday, December 19, 2014

Thursday, November 20, 2014

I Buy Everything But Haircuts On Amazon Prime

Is Amazon Prime Membership for you?

Overall, it depends on what kind of shoppers you are.
If you are a student, why not? It's free for first half year.

Amazon Prime Membership (USA) $99 USD per year
  • Free Two-Day Shipping
  • Unlimited photo storage
  • Exclusive access to movies, music and Kindle books.
 
Amazon Prime Membership (Canada) $79 CAD per year
  • FREE Two-Day Shipping on millions of eligible items to most cities in Canada
  • Discounted One-Day Shipping for as low as CDN$ 3.99/item
  • FREE Standard Shipping where One-Day and Two-Day Shipping are unavailable
  • No Minimum Purchase - don't worry about meeting a threshold to get free shipping


I Buy Everything But Haircuts On Amazon Prime


As much as I love to support local business, life with two young children means convenience trumps just about everything, at least for now.
I earned a year of free Amazon Prime by subscribing to Amazon Mom in 2009 when my daughter was a baby, and watched as Prime membership quickly became one of life's necessary luxuries.
Along the way additional benefits like free streaming of movies and TV shows were added, and the annual membership fee increased from $79 to $99.
Here's how and why we keep using Amazon Prime in our house.

Ship it to me.

These days I buy everything except haircuts on Amazon.
A swift moving current of household essentials arrives at our door all year: detergents, toothpaste, soap, tissues, toilet paper, cat food.
We spend an average of $160 a month on Amazon, comprised mainly of these household items, birthday gifts, clothing, and craft supplies.
I spot check prices from time to time, and for non-perishables like these, Amazon continues to meet or beat any store I could drive to. Often you'll see the note "Available at a lower price without free Prime shipping from other sellers" but when I check, the lower prices almost always come with a shipping fee that brings the total price up to or over the Amazon fulfillment price.
Finally, my favorite trick for confirming the lowest prices online — Invisible Hand is a free add-on for your web browser that displays an unobtrusive notification at the top of the page when it finds a lower price elsewhere on the web.

Birthday party hero.

With two kids on the birthday party circuit, two-day shipping has come through for me more than a few times. I need a pair of walkie-talkies — STAT! This item is currently Amazon Prime eligible and listed at $24.48, with the next best price according to Invisible Hand at $27.43. (Boys love walkie-talkies, by the way.)
I've tried stockpiling favorite toys in the past, but somehow gifts on hand always seem not quite right for the recipient, or I simply forget that I have them. The "just in time" strategy works better for our lives right now.

Does it really save money?

amazon prime samantha sands 2Samantha Sand / Digital Pen StudioThe author estimates she spends about $160 a month at Amazon.
Now, you say, why pay $99 a year for "free" shipping when most orders over $35 qualify for free shipping anyway?
Plus, you can enjoy free shipping without Prime membership by using the Subscribe and Save program — and I do, every month.
The honest answer is really not about saving money. If all I need is a $15 item, I'll spend way too much time optimizing my shopping cart in order to earn the free shipping.
What else do I need? (Spend time looking around house.) Am I putting unnecessary things in the cart? (More second-guessing and editing.)
Prime membership minimizes the hoops between me and the "Buy Now" button. I save time and most likely money on items I don't need anyway. You might say that for $8.25 a month what I'm really buying is a bit of relief from the decision fatigue I experience everyday — and you'd be right.
Interestingly, the more cost conscious the buyer, the more valuable Prime membership might feel. A less frugal shopper won't agonize as much over meeting a $35 minimum. Just throw in some extra stuff you might need and be done with it! Which strategy saves the most money at the end of the year really depends on what kind of shopper you are.

Free shipping, with a side of entertainment

Included with a paid subscription to Amazon Prime is the Prime Instant Video library: unlimited, instant streaming of thousands of movies and TV showsPrime Music offers millions of ad-free songs, and for Kindle owners the Prime Lending Library includes thousands of books to borrow for free. Finally the newest benefit is Prime Photos, unlimited photo storage with automatic backup.
One day when I have time to consume media not already available on the Cartoon Network, I'd like to try out some of these entertainment extras.

Keeping it green

amazon prime samantha sandsSamantha Sand / Digital Pen StudioThe author's son reuses an Amazon Prime box.
At first I worried about the environmental impact of a steady stream of packages delivered right to my door.
But then I realized that the UPS truck cruises our neighborhood daily anyway, and home deliveries keep my car off the road just a little bit more.
Fortunately we have the storage space and buying in bulk means less packaging, more product.
The boxes go to good use as well — we recycle, burn, or get creative with them, as demonstrated in the picture to the right by "Mr. Cherrywood" the postman.
One day I'll have time to thoughtfully shop local markets and craft fairs again, and watch movies at the art house downtown. For now I'm caught in the currents of modern family life and find Amazon Prime membership well worth the expense, particularly for household and kid essentials. Good value and convenience team up well here, and entertainment extras like free movies, books, and music help sweeten the deal.

Thursday, October 30, 2014

Best 100 Global Brands


An interesting stats.

More from http://www.bestglobalbrands.com/2014/ranking/#?listFormat=sq


Thursday, October 23, 2014

10 Highest Paying Work from Home Job

Interesting ranks for 10 highest paying work from home job.

Read more from Business Insider

http://www.businessinsider.com/highest-paying-work-from-home-jobs-2014-10

Highest Paying Work From Home Jobs

Wednesday, July 23, 2014

11 Secret Tips For Saving at Starbucks


POPSUGAR Smart Living

Don't Tell Anyone: 11 Secret Tips For Saving at Starbucks

Don't despair if store-bought coffee is your biggest spending vice. Help is on its way, in the form of these smart saving tips that will work at your local Starbucks. Don't thank us — just drink up!
— Additional reporting by Whitney Bania
Source: Flickr user rekre89 [1]

Get Creative

Don't limit yourself to the standard drinks. There are plenty of options that are well under $4, such as iced coffee. If you think that spending less means boring drinks, think again. Check out some the most creative Starbucks mystery menu [2] concoctions under $3.
And if you must go the latte route, try the caffe misto, which is made of of half coffee and half milk. It is not only cheaper, but also has less calories!
Source: Flickr user StephenCarlile [3]

Refills For 50 Cents

Sometimes one cup just doesn't cut it. Any time throughout the day and on any size, you can refill your cup with brewed coffee for just 50 cents during the same visit. Not a bad price for an extra pick-me-up.

Bring Your Own Cup

You'll save 10 cents on the price of your drink when you bring in your own reusable cup, mug, or travel tumbler.
Source: Etsy User TheMasonBarCompany [4]

The Water Secret

You don't have to reach for bottled water in Starbucks, as the water at Starbucks may even be cleaner. The ice and water used in Starbucks is triple-filtered!

Order in Bulk Via Coffee Press

Another way to save money is to order a coffee press pot of coffee, which serves a few cups of coffee. It will be cheaper than ordering the drinks individually. Share with friends or hoard it if you plan on staying at Starbucks for a while, and enjoy the caffeine buzz.

Ask For "No Water" With Your Tea

According to one barista on Quora [5], "Iced Teas are double-strength in pitcher and watered down for your final recipe."
To get more a bang for a buck, request "no water" with your tea, and it won't be watered down.
Source: Flickr user Justin Capolongo [6]

Take Advantage of the Birthday Treat

If you sign up for the Starbucks reward program [7] (registration is free), you're entitled to a free drink when your birthday comes around. Keep in mind that you'll have to redeem it in the 30 days after your birthday.
Source: Instagram user realgrumpycat [8]

Get a Starbucks Card

If you're a frequent Starbucks customer, there's no reason not to get a Starbucks Card. At no cost to you, a registered card will get you lots of freebies. Here's what you can expect:
Welcome level (which you attain after using your card once)
  • Free drink or food on your birthday
Green level (which you attain after using your card five times)
  • Free refills in store
  • Welcome level rewards
  • Specialized email offers
Gold level (which you attain after using your card 30 times in 12 months)
  • Free drink or food reward after every 12 purchases
  • Welcome and green level rewards
  • Personalized offers and coupons
  • Personalized gold card
Source: Instagram user starbucks.card_collector [9]

Order a Short

There's an even smaller size than "tall," and it's called "short." It's smaller than a "tall," but it's also less expensive. The "short" cappuccino, will have the same amount of espresso as the as its "tall" version, says Slate [10].
Source: Instagram user olovelychloe [11]

Brew It at Home

Be your own barista at home by buying beans at Starbucks stores — they'll even grind the beans for you. Or, you can pick a bag up at the grocery store.
There are even recipes you find online that show you how to make more of its complicated drinks like this frappuccino recipe [12].

Fido's Freebie

Don't forget, your furry pal gets his own freebie, too. Order a puppy latte or puppycino, and your best friend will get a sample cup full of whipped cream.
Want to save even more at your favorite stores? Here's how to save money in Target [13] and shopping online at Amazon [14].
Source: Instagram user jessmorgan9 [15]


Thursday, July 17, 2014

Pay less for PCs/Laptops

Technology updates rapidly that there are new PCs and laptops every few months. If you do not want to pay more for your PCs or laptops, do the following to save money on these electronics. You can do the same for your other electronics purchases.

https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTwnc0PuTQkouzDx05UHpaY-mwxj_QQ6TDMu_CQTD2jDWNKpmkZJ7PXuRN4iLFBVAwDuZ8rgZYgMxFKAXyd2JT6eTfzOIWXFlGcbacT-O0UJD3m5jRJJrO0xBACKCbl5XrKaDknC8e6vA/s1600/buy-desktop-computer.jpg
  1. Buy when there are big sales (usually near Back to School Sale, Christmas sale, and Black Friday Sale)
    •  Reports show that you can save up to 60% on computers during promotional periods
  2. Compare prices and models between stores and online merchants
    • Even if a single model is sold by different stores at the same MSRP price, you will still realize each merchant has their own promotional strategy such as price match, credits rewards, bundling price, free gift, etc...
  3. Consider after sale support
    • You may want to consider after purchase support for your computers because it can get pricey if you need to ship it back for repairing if you buy from an online-only store.
  4. Pay with your loyalty points or credit card cash rebates
    •  It makes sense to pay with your points or cash rebates before it expires
  5. Look for store coupons or online shopping coupon codes (you can find coupon codes by typing the merchant name with coupon codes following on Google search or go to site like www.retailmenot.com)
  6. Buy refurbished ones
    • The refurbished computers/laptops are usually manufacturer checked and certified before they are returning back on shelf. Therefore, they are under manufacturer warranty like the new in box ones. Many purchased these but decided no longer need them and returned to stores. Therefore, quite many refurbished computers may not have been used by someone. Refurbished computers are usually at least 10% off regular price.

Thursday, July 10, 2014

10 tips on Packing your suitcase

10 tips on Packing your suitcase

http://www.businessinsider.com/how-to-pack-a-suitcase-2014-7


Omaker M1 Ultra Portable Metallic Mini Wireless Bluetooth Speaker on Sale for $24.99

Two colour to choose from

Omaker M1 Ultra Portable Metallic Mini Wireless Bluetooth Speaker on Sale for $24.99

List Price: $79.99
Price: $24.99 & FREE Shipping on orders over $35. Details
You Save: $55.00 (69%)
In Stock.
Sold by Omaker Official and Fulfilled by Amazon. Gift-wrap available.
Want it tomorrow, July 11? Order within 35 mins and choose One-Day Shipping at checkout. Details
Blue
  • Metallic finish,Simple design with not buttons that are visible.Bluetooth 3.0+EDR,Compatible with all Bluetooth enabled media players.
  • Unique and compact ostrich egg fashion appearance slips easily into your bag for use on the go.
  • High definition and surprising fullness realized through a 4W driver and bass port - outclassing other similar-sized portable speakers.
  • Built-in big capacity Polymer Lithium Batteries,Line-in playback time: up to 8 hours,Battery charging time: 1.5 hours.
  • CE ,FCC,ROHS Certificated for using friendly to the enviroment.

Thursday, July 3, 2014

Coca Cola Retro Fridge on Sale $29.88 (Original $49.98)

Coca Cola Fans. Order yours before it is gone.

PRODUCT OVERVIEW

Model # KWC-4-2

Internet # 204467430

Store SKU # 1000021995

The Koolatron Coca-Cola Personal Cooler is the stylish and fun way to keep your drinks cold or warm. The Coca-Cola Personal Cooler looks like a small refrigerator and is perfect for the car, boat or home. State of the art thermoelectric cooling technology allows the cooler to operate silently. The Koolatron Coca-Cola Personal Cooler holds up to six 12 oz. cans of your favorite beverage.
  • 4 l capacity holds 6 (12 oz.) cans or 4 – 500 ml bottles
  • Operates on DC 12-volt/AC 110-volt
  • Cools up to 32 degree F below ambient temperature
  • Heats up to 149 degrees F
  • 1-sliding removable shelf
  • Self-locking door handle
http://www.homedepot.com/p/Coca-Cola-0-14-cu-ft-Retro-Fridge-in-Red-KWC-4-2/204467430?N=5yc1vZc9kt&AID=11210757&PID=2026489&SID=6rD3D1g8i3D1D2D1&cm_mmc=CJ-_-2026489-_-11210757&cj=true

4 Household Items to Clean Your Phone With

4 Household Items to Clean Your Phone With

http://mashable.com/2014/06/29/household-items-to-clean-phone/#:eyJzIjoiZiIsImkiOiJfMWhnaXc3ZnpnbXBjZzBvaCJ9

Wednesday, July 2, 2014

Belkin Cycling Gear Sale

Belkin Pro Cycling Sale. Many items are over 50% OFF

http://www.belkin.com/us/Products/c/WSPCT/


Apple Extra Credit on Mac, iPad or iPhone for University

When you are buying Apple products, don't forget the Educational pricing for University students. Now on top of that, Apple is giving extra credit on Mac, iPad or iPhone.

~Get a $110 Apple Store Gift Card when you buy a Mac for university. Or a $55 gift card when you buy an iPad or iPhone.* You’ll also save on a Mac or iPad with education pricing.

http://store.apple.com/ca/browse/campaigns/back_to_school?afid=p231|camref%3A10l8Z&cid=AOS-CA-AFF-PHG


How Financial Advisors Save For Their Children's Education

Parents do their best to save for their children's college education, but sometimes they aren't aware of all of the options.
U.S. News asked financial advisors what they're doing to save for their children's college expenses.

Invest in a 529 plan.

State-sponsored college savings plans have become popular in the last few years. These savings plans, named after a section of the federal tax code, are exempt from federal taxation and often include state tax deductions. States offer traditional investing options like mutual funds or age-based options that shift their asset allocation as children get closer to college. Lisa Roll, a financial advisor in Warren, New Jersey, uses the age-based track for her children.

Set up a custodial account.

Under the Uniform Gift to Minor Act or Uniform Transfer to Minor Act, parents can set up custodial accounts. Rather than opening a 529 account, Ron Portell, a financial advisor in St. Louis, used this strategy to save untaxed money for his children's education. The act allows a minor with an appointed custodian to own assets that can be used for purposes other than college if necessary.

Use a Upromise credit card.

The Upromise cash-back program is a no-hassle way to save, Roll says. You can apply for the Upromise credit card and receive money back when you dine out, fill up on gas, and more. When you shop online with its retail partners, the program puts 5% of the cost toward your children's education. In many cases, it can directly transfer to your 529 account.

Put unexpected money in savings.

"Apply any bonuses or unexpected money toward college savings," says John Bohnsack, a financial planning associate based in College Station, Texas. One easy way to put money toward your children's college savings is to use your end-of-year bonus, since it does not interfere with your budget.

Split gift money and allowance.

Putting a fraction of your children's gift money and allowance toward college savings can add up. Half of any money Bohnsack's children receive on holidays and birthdays goes toward their college education. Roll takes this approach one step further. She uses an envelope system, letting her children use them to allocate money to four funds: long-term savings, spending, college savings, and charity.

Prepay your mortgage.

"Currently, we are working toward paying off our mortgage by the time my oldest daughter is 16," Bohnsack says. Paying off your mortgage sooner will allow you to invest more heavily in your children's education during the years leading up to their first semester in college.

Sign up for the SAGE Scholars Program.

 SAGE Scholars, a tuition rewards program, is one way Roll supplements her children's college savings. By investing in SAGE Scholars' financial partners, such as the Philadelphia Federal Credit Union, you can receive 5% annually in tuition points on your investment. Each tuition point equals one tuition dollar. These points are accepted at more than 300 universities and can be used to pay up to 25% of your children's tuition.
This article originally appeared at U.S. News & World Report. Copyright 2014. Follow U.S. News & World Report on Twitter.

Monday, June 30, 2014

Smartphone Controlled Aircraft for $49.99

Be your own pilot.

TOP FEATURES


  • Smartphone controlled & first of its kind worldwide
  • Intuitive app control
  • Gorgeous flying app
  • FlightAssist mode: autopilot-like support for better flights
  • Slow flying for longer flights and better control
  • Fully proportional rudder so your turns are smooth and stable
  • Touch & Go (Hold your phone close to the plane and you are connected within seconds!)

WHAT YOU’LL NEED

  • Smartphone, iPod touch or tablet needed
  • For iOS: iphone 4S or newer; iPod touch 5th Gen or newer; iPad 3rd Gen or newer; iPad mini
  • Android devices with Bluetooth Smart and running Android 4.3 or newer

THE PROOF

“the SmartPlane is the first complete package we’ve come across in terms of a smartphone-controlled RC plane.” – Darren Quick, gizmag
“The SmartPlane is a lot of fun. Sure, it’s a toy, but it gives a surprisingly satisfying flying experience.” – Luke Dormehl, Cult Of Mac
“this could be the best aircraft to hone your skills with.” – Andrew Liszewski, Gizmodo

PRODUCT SPECS

  • Weight: 0.4 oz
  • Dimensions: 8.7×8.7×3.2 in
  • Flight time: 8-15 min
  • Range: up to 200 feet
  • Charging time: 13 min

IN THE BOX

  • One (1) SmartPlane
  • One (1) USB charging cable
  • User’s manual
  • Extra propeller