cashback http://www.wisebread.com/taxonomy/term/10583/all en-US 10 Questions to Ask Before Accepting a Credit Card Offer http://www.wisebread.com/10-questions-to-ask-before-accepting-a-credit-card-offer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-questions-to-ask-before-accepting-a-credit-card-offer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_credit_card_000069657419.jpg" alt="Woman asking questions before accepting credit card offer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Unsolicited credit card offers can flood your mailbox and email inbox, and in most cases, you may not give these offers a second glance. But once you're ready to add a new credit card to your financial portfolio, it's important to understand the basic features of these offers and choose the right card. Credit cards are not one and the same, so it's important to ask yourself these 10 questions before accepting an offer. (See also: <a href="http://www.wisebread.com/pre-approved-for-credit-card-offers-are-you-pre-qualified?ref=seealso">How to Understand Pre-Approved and Pre-Qualified Credit Card Offers</a>)</p> <h2>1. Is This the Right Time to Apply for a Card?</h2> <p>You may not know this, but there are right and wrong times to apply for a credit card. Typically, you don't want to apply for new credit if you're in the process of or thinking about financing a home. Anytime you get a loan, lenders take your current debt load into consideration. If you get a new credit card and amass a large balance fairly quickly, this can increase your debt ratio and reduce purchasing power. There's nothing wrong with getting a new card, just make sure that the decision to accept an offer doesn't interfere with your ability to get financing in the near future.</p> <h2>2. Am I the Right Candidate?</h2> <p>There are credit cards for every type of borrower. Before accepting a credit card offer, read the fine print and know the qualifications for the card, or else you'll waste time applying for cards you're not eligible to receive. Some credit cards are designed specifically for people with excellent credit, whereas other cards are suited for people with low credit scores. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-people-with-fairaverage-credit?ref=seealso">Best Credit Cards for People with Fair or Average Credit</a>)</p> <p>Credit card companies typically prescreen and match recipients with the appropriate credit card offer. So if you receive an offer in the mail, you're more than likely a suitable candidate. But if you're researching offers on your own, be aware of basic qualifications.</p> <h2>3. What's the APR?</h2> <p>If you'll carry a balance from month to month, make sure you know the card's annual percentage rate (APR). This rate lets you know how much you'll pay in interest if you don't pay off the card in full every month. Interest rates vary and depend on your credit score. Ideally, you want the lowest rate so that you pay the least amount in finance fees.</p> <p>See also: <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=seealso">Best Cards With the Lowest APRs</a></p> <p>Credit card applications feature the APR prominently. A credit card may offer interest rates ranging from 10.99% APR to 21.99% APR, in which case borrowers with the lowest scores pay the highest rates. Some cards also have low introductory rates, such as <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards">0% interest on balance transfers</a> and standard purchases for a certain number of months. The interest rate on a credit card can also be fixed or variable. A fixed rate remains the same, but a variable rate can move up or down based on the market.</p> <h2>4. Is There an Annual Fee?</h2> <p>Some credit cards charge an annual fee which can range from $50 to $450. The fee often depends on the number and level of cardmember perks. Make sure you read the fine print for information on annual fees. Not every credit card has an annual fee. If you're looking for a basic, no-frills credit card and you don't care about cardmember perks, it is possible to find <a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees">credit cards with no annual fees</a>.</p> <p>See also: <a href="http://www.wisebread.com/how-to-decide-if-an-annual-fee-credit-card-is-worth-it-for-you?ref=seealso">How to Decide if an Annual Fee Card Is Worth It for You</a></p> <h2>5. Is There a Rewards Program?</h2> <p>Many credit cards offer rewards, such as miles, points, or cashback for every dollar you spend. A rewards credit card can work if you use credit cards frequently. But it's important to find a credit card with rewards that fit your lifestyle. If you're a frequent traveler, you can search specifically for <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards">airline credit cards</a> or a credit card that lets you <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">earn miles or points redeemable for travel</a>. The point of the rewards is to get something back for spending (as an incentive for spending, too), so you might as well get something you want or need.</p> <p>See also: <a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you?ref=seealso">Cash Back vs. Travel Rewards: Which Credit Card Is Right for You?</a></p> <h2>6. Does the Bank Report to the Bureaus?</h2> <p>Not every credit card company reports to the three major credit bureaus on a regular basis. Whether you want to build or <a href="http://www.wisebread.com/how-to-use-credit-cards-to-improve-your-credit-score">improve your credit score</a>, choose a credit card company that will report your activity to the bureaus on a monthly basis. You can find credit bureau reporting information in the terms of agreement on the application, or you can call the bank for this information.</p> <h2>7. Do I Need Another Credit Card?</h2> <p>Getting a credit card offer in the mail doesn't mean you have to complete the offer. Consider whether you need another credit card. Will the new credit card offer you <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about">additional perks and benefits</a>, or save you money by <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">offering cash back</a>? Is there a card with an <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">enticing sign up offer</a>? Then again, if you can't keep up with your current monthly payments, or if your current credit cards are maxed out, adding a new card may further complicate your finances.</p> <p>See also: <a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year?ref=seealso">How to Save $1,094.86 a Year With Credit Cards</a></p> <h2>8. What Are the Credit Card Fees?</h2> <p>The cost of owning a credit card doesn't stop with the annual fee and APR. Credit cards include a variety of other fees, and it's important to count the cost before accepting an offer. You need to consider the late fee, the cash advance fee, and the balance transfer fee. Additionally, if you used the credit card in a foreign country, would you be charged a foreign transaction fee? Credit card fees add up quickly. You can save money by picking a card with the least amount of fees.</p> <p>See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=seealso">Best Credit Cards With No Balance Transfer Fee</a> and <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=seealso">Best Credit Cards With No Foreign Transaction Fees</a></p> <h2>9. What Else Can the Card Offer Me?</h2> <p>Besides reward programs, credit cards include a host of other offers and incentives to lure customers. For example, some credit cards give cardholders <a href="http://www.wisebread.com/the-5-best-credit-cards-that-offer-free-credit-scores">free access to their credit scores</a> and the ability to download an app and manage their account from a mobile device. Other cards include <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card">car rental insurance</a>, trip cancellation insurance, <a href="http://www.wisebread.com/how-to-take-advantage-of-free-extended-warranty-from-your-credit-card-issuer">extended warranty protection</a>, price protection, and many other perks.</p> <p>See also: <a href="http://www.wisebread.com/the-best-credit-card-perks-beyond-points-and-miles?ref=seealso">The Best Credit Card Perks Beyond Miles and Points</a></p> <h2>10. How Does the Offer Compare to Other Offers?</h2> <p>It isn't enough to review the specifics of a particular credit card offer, you should also determine how this offer compares with other offers. The truth is, you can't truly identify a good credit card offer until you make comparisons. After receiving an offer, the fees and interest rate may seem fair and reasonable. But shopping around may open your eyes to something better. This doesn't mean you have to spend weeks comparing different credit cards, but you should compare at least three cards before making a decision.</p> <p><em>What do you consider before accepting a credit card offer?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p style="text-align: center;"><a data-pin-do="buttonPin" data-pin-color="red" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-questions-to-ask-before-accepting-a-credit-card-offer&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Questions%2520to%2520Ask%2520Before%2520Accepting%2520a%2520Credit%2520Card%2520Offer.jpg&amp;description=10%20Questions%20to%20Ask%20Before%20Accepting%20a%20Credit%20Card%20Offer"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Questions%20to%20Ask%20Before%20Accepting%20a%20Credit%20Card%20Offer.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-questions-to-ask-before-accepting-a-credit-card-offer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-important-things-you-should-know-about-balance-transfer-cards">7 Important Things You Should Know About Balance Transfer Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-a-balance-transfer-offer-a-good-deal">Is a Balance Transfer Offer a Good Deal?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-signs-its-time-to-break-up-with-your-credit-cards">7 Signs It&#039;s Time to Break Up With Your Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement">5 Smart Ways to Meet a Rewards Card Minimum Spending Requirement</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases">5 Best Credit Cards with 0% APR for Purchases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards applying for credit APR balance transfers cashback fees rewards Wed, 20 Apr 2016 10:30:10 +0000 Mikey Rox 1690617 at http://www.wisebread.com Save Big at These 4 Discount Supermarkets http://www.wisebread.com/save-big-at-these-4-discount-supermarkets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/save-big-at-these-4-discount-supermarkets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_grocery_shopping_000051605340.jpg" alt="Woman saving big at 4 major discount supermarkets" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You're a savvy grocery shopper. You create a budget, review store circulars, clip coupons, make a shopping list, and use mobile shopping apps. You're ready to save big. But are discount grocery stores a part of your routine? If not, you could be overpaying by more than 50%!</p> <p>Below is an overview of four discount grocery stores that can help slash your food budget and keep more money in your pocket.</p> <h2>1. Aldi</h2> <p>Aldi is probably the holy grail of supermarket discount chains. Owned by the same company that runs Trader Joe's, Aldi continues to expand, with plans to open hundreds of new stores by 2018.</p> <p>Since they only carry about 1400 items (compared to 30,000 found in typical stores), you will save time as well as money. Aldi keeps prices low by concentrating on products and not fancy décor. The store is laid out warehouse-style with merchandise displayed in the boxes they arrived in. The vast majority of their food is &quot;Aldi brand,&quot; though occasionally you might find a limited-supply brand name item. They also offer something called a &quot;Double Guarantee,&quot; which means they'll replace an item that you don't like <em>and </em>refund your money.</p> <p><strong>Locations:</strong> In 17 countries and more than half of the U.S. states. There are 1300 U.S. stores and 4,000 worldwide.</p> <p><strong>Products:</strong> Aldi brand with an occasional brand name popping in for a limited time.</p> <p><strong>Payment Method:</strong> Cash, debit, or EBT.</p> <p><strong>Coupons:</strong> No.</p> <h3>Is It Worth It?</h3> <p>It depends. If you're loyal to or prefer a particular name brand, Aldi is probably not for you. Some Aldi products are good quality, while others I'd never buy again. Unlike stores that remarket brand name goods, you don't have to worry about expiration dates. However, check the ingredient list. In some Aldi brand items that were supposed to be similar to a name brand counterpart, I found ingredient substitutions or additions that I didn't like.</p> <p>There are some items, like their Parmigiano Reggiano cheese and spices, that I love because they're super cheap compared to regular supermarkets. As far as their meat, I've purchased chicken and found the quality to be good. Know your produce prices, however, because sometimes the regular supermarket may be cheaper.</p> <h2>2. Grocery Outlet Bargain Markets</h2> <p>Formerly Amelia's, this discount chain is the nation's largest &quot;retail grocery remarketer.&quot; That is, their markets are full of name brand items at significantly lower prices than regular supermarkets. As a remarketer, they buy excess inventory (products that have packaging changes, or overruns), which is how consumers save money.</p> <p>Grocery Outlet is smaller than an average supermarket, but it delivers more of a grocery store experience. They even have bags for your groceries (though it's greener to bring your own). One great thing about the Grocery Outlet is their selection of NOSH (natural, organic, specialty, healthy) foods. I've found many items that I've only seen in high end stores like Whole Foods.</p> <p>If you're squeamish about buying food close to its sell by date, be sure to check the packages. My experience has shown that most items have weeks left, and there has never been an issue with meat or dairy. A few items, like some of their condiments, were a little past their &quot;best by&quot; date. But, research shows that there are <a href="http://www.nrdc.org/food/expiration-dates.asp">no industry standards</a> with labeling (&quot;Best By&quot; vs. &quot;Sell By&quot; vs. &quot;Use By&quot;), and the dates often have nothing to do with food safety.</p> <p><strong>Locations:</strong> 210 locations currently in California, Idaho, Nevada, Oregon, Pennsylvania, and Washington.</p> <p><strong>Products:</strong> Brand names as well as NOSH (natural, organic, specialty, healthy).</p> <p><strong>Payment Method:</strong> Cash, debit, credit, or gift card.</p> <p><strong>Coupons:</strong> Yes. (Their website says no, but my local store does. Check in your area!)</p> <h3>Is It Worth It?</h3> <p>Grocery Outlet is my personal favorite because they carry the brands I know and love, and my store accepts coupons (from the Sunday paper, not the Internet). I also love that I can use my credit card, which earns me <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">points for grocery purchases</a> which I can redeem for cash or gift cards. I've found amazing deals, but you have to jump on them because when they are gone, they are gone.</p> <p>If you shop at the Grocery Outlet often enough, you will start to recognize some patterns. Some products come around just once &mdash; so if you like it, you better grab it. Other products are cyclical and show up in my area store every couple of weeks for 50% off the large grocery chain price.</p> <h2>3. Price Rite</h2> <p>Price Rite is owned by the same company that runs the ShopRite supermarket chain. It is the smallest of the four discount grocery chains with around 60 locations. They also pass on savings by placing function over design, and making customers bring their own bags. Here you'll find many products, which are a mixture of name and store brand.</p> <p>I've found the stores to be larger than Aldi and Grocery Outlet, though not as large as regular grocery stores. Their produce section is definitely larger than the other discount marketers, and almost as well stocked as a regular supermarket &mdash; but at farmers market prices.</p> <p>While definitely less expensive than a regular supermarket, I haven't found deep discounts here like I do at the Grocery Outlet. While they have more variety than Aldi, I've found it to be a little more expensive. However, if you enjoy fresh produce, the savings starts to equal out because their selection is much larger and greater than a regular grocery store.</p> <p><strong>Locations:</strong> About 300 locations in Connecticut, Massachusetts, Maryland, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Virginia.</p> <p><strong>Products:</strong> Brand names as well as store brand.</p> <p><strong>Payment Method:</strong> Cash, debit, credit, EBT, or gift card.</p> <p><strong>Coupons:</strong> No.</p> <h3>Is It Worth It?</h3> <p>I love Price Rite for their produce selection and prices, and always leave with enough to last until my next shopping trip. While the non-produce items were definitely cheaper than regular chains, they weren't less expensive than the Grocery Outlet or Aldi. I would recommend anyone try it if one is near.</p> <h2>4. Save-a-Lot</h2> <p>With more than 1300 locations nationwide, Save-a-Lot has about as many U.S. stores as Aldi. They call themselves the nation's &quot;extreme value grocery store,&quot; where customers can save up to 40% retail prices every day. They feature a combination of store brand and brand name products, as well as USDA inspected meat.</p> <p>As with other discount grocery chains, they offer a limited number of items (around 1800). Customers also use their own bags (or purchase them there), and bag their own groceries.</p> <p>A review of their sales circular over the course of a few weeks showed a mixed bag. For fresh produce, there were typically a few items that were less expensive than a non-discount market. For example, I found grapes that were $.30 a pound cheaper. That's not what I would call a deep discount, but if the everyday price is always less expensive by that much, the savings could add up. I found similar discounts for other items such as frozen and canned foods.</p> <p><strong>Locations</strong>: More than 1300 nationwide.</p> <p><strong>Products:</strong> Brand names as well as store brand.</p> <p><strong>Payment Method:</strong> Cash, debit, credit, EBT/QWEST, or gift card.</p> <p><strong>Coupons</strong>: No.</p> <h3>Is It Worth It?</h3> <p>Though Save-a-lot has many stores, there isn't one near me, so I have no personal experience with this market.</p> <h2>Save Even More With Mobile Shopping Apps</h2> <p>In addition to shopping at discount grocery stores, you can save even more money with mobile shopping apps. Simply download to your phone, look through the available cash rebates, make your purchases, scan the barcode, and upload the receipt to their site. Your cash rebate will be placed into your account once it's approved. (See also: <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year?ref=seealso">30+ Cash Back Sites to Earn You Thousands Per Year</a>)</p> <p>Apps such as Checkout 51, Shopmium, BerryCart, Snap by Groupon, and Shrink allow users to purchase items at any store as long as the store provides an itemized receipt. (Note that Ibotta and SavingStar won't work, since they specify which stores are eligible.)</p> <p>Ensure your store receipt fully itemizes, however, to earn your rebate. For instance, I purchased a name brand granola at the Grocery Outlet, but the receipt simply said &quot;granola.&quot; In this case, I would not be able to use my shopping app. Luckily though, some of the apps also offer small cash amounts for fresh produce, meat, fish, or dairy. When I purchased limes from the Grocery Outlet, I was able to get a cash rebate because the receipt said, well, &quot;limes.&quot;</p> <p>You can also check out Receipt Hog, which awards points for every receipt you scan to their site. Points can then be redeemed for gift cards.</p> <p><em>Do you shop at discount grocery markets? Which one is your favorite? Let me know in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kim-owens">Kim Owens</a> of <a href="http://www.wisebread.com/save-big-at-these-4-discount-supermarkets">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-easy-ways-to-stretch-your-grocery-dollars">20 Easy Ways to Stretch Your Grocery Dollars</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-9-easiest-food-budget-wins">The 9 Easiest Food Budget Wins</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-stay-on-budget-while-eating-paleo">How to Stay on Budget While Eating Paleo</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/negotiate-better-prices-on-these-6-grocery-store-buys">Negotiate Better Prices on These 6 Grocery Store Buys</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-ways-you-can-cut-grocery-expenses-today">13 Ways You Can Cut Grocery Expenses Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping Aldi cashback food costs groceries grocery outlet price rite save-a-lot Tue, 01 Dec 2015 12:00:26 +0000 Kim Owens 1617374 at http://www.wisebread.com How to Get 5-20% Cashback on... Pretty Much Everything http://www.wisebread.com/how-to-get-5-20-cashback-on-pretty-much-everything <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&fot=1124&foc=1" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/shopdiscover.png"></a></p> <p>You know how some cashback credit cards make you jump through hoops or cut through forests of red tape in order to actually take advantage? Well the <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&fot=1124&foc=1" rel="nofollow">Discover it</a> doesn&rsquo;t. In fact, it has so many participating retailers agreeing to give you 5-20% on purchases, you can <i>buy</i> the hoops, and the tape, and pretty much whatever else you want, from wherever you want.</p> <p>Seriously: the Discover It card gives you cash back on over 200 online retailers. And these aren&rsquo;t obscure, &ldquo;we&rsquo;re offering them because you&rsquo;ll never use them&rdquo; retailers. These are the Best Buys, Banana Republics, Brookstones, and Bloomingdale&rsquo;s of the world (&hellip;and that&rsquo;s just the B&rsquo;s).</p> <p>If you're shopping at these places already, it makes no sense to <em>not</em> <a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&fot=1124&foc=1" rel="nofollow">sign up for a Discover it card</a> and start saving today!</p> <p>Here are a few of the 200+ retailers where you can get 5-20% cashback by shopping through the ShopDiscover portal using your Discover it card.</p> <table> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/bloomingdales_0.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/Expedia_129x76_small.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/golfsmith.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/kmart_6.jpg" width="129" /> </td> </tr> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/macys-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/nike-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/nordstrom.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/target-129.gif" width="129" /> </td> </tr> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/walgreens-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/oldnavy-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/underarmour-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/travelocity_0.png" width="129" /> </td> </tr> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/northface_0.png" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/bananarepublic.gif" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/lego.svg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/sears-129.jpg" width="129" /> </td> </tr> <tr> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/ralphlauren-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/petco-129.png" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/gap-129.jpg" width="129" /> </td> <td align=center valign=center> <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/orbitz-129.jpg" width="129" /> </td> </tr> </table> <p><strong>Watch this quick 90-second video to learn how ShopDiscover works.</strong></p> <p id="video-player-discover">ShopDiscover video</p> <script type='text/javascript' src='http://static.wisebread.com/files/wisebread/press/video/bin/swfobject.js'></script> <script type='text/javascript'> var s1 = new SWFObject('http://static.wisebread.com/files/wisebread/press/video/bin/player.swf','player','600','337','9'); s1.addParam('allowfullscreen','true'); s1.addParam('allowscriptaccess','always'); s1.addParam('flashvars','file=http://cdn.discover.com/videos/shopD/mcd_DISCOVER_CARD_640x360.mp4'); s1.write('video-player-discover'); </script> <p>Need any more reason to save? <strong><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&fot=1124&foc=1" rel="nofollow">Sign up for a Discover it card today.</a></strong></p> <p>&nbsp;</p><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/staff">Staff</a> of <a href="http://www.wisebread.com/how-to-get-5-20-cashback-on-pretty-much-everything">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-credit-card-applications">Get the Perfect Credit Card from Capital One</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up">5 Best Credit Cards that Offer Bonus Cash for Sign Up</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/credit-card-rewards-programs">Credit Card Rewards Programs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Commentary cash back cashback credit card Wed, 04 Jun 2014 16:05:53 +0000 Staff 1139712 at http://www.wisebread.com Bing Double Savings Days Currently Paying up to 50% Cashback http://www.wisebread.com/bing-double-savings-days-currently-paying-up-to-50-cashback <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/bing-double-savings-days-currently-paying-up-to-50-cashback" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bingcashback.jpg" alt="Bing Cashback" title="Bing Cashback" class="imagecache imagecache-250w" width="250" height="250" /></a> </div> </div> </div> <p><a href="http://www.bing.com/">Bing </a>is the new search engine from Microsoft, and right now they are sponsoring a promotion called &quot;Double Saving Days&quot; that is giving shoppers cashback of up to 50% on select merchandise until the end of August, 2009. The Bing cashback program is completely replacing the old Live Search cashback program and this is how it works.</p> <ol> <li>&nbsp;Go to <a href="http://www.bing.com/cashback/">http://www.bing.com/cashback/</a><br /> &nbsp;</li> <li>&nbsp;Click <a href="https://cashbackaccount.bing.com/cashback/welcome.aspx">cashback account</a> on the left side and sign up for an account if you do not yet have one. You may need to sign up for a Windows Live ID first, and then sign up for the Bing cashback account. This requires your email address and physical address. The physical address cannot be a&nbsp; PO Box and has to be in the United States. You also have to be at least 18 years old.</li> <li>&nbsp;Search for the product you are looking for and look for the &quot;Bing cashback&quot; symbol: <img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/blog_image_full/files/fruganomics/blog-images/cashback.gif" alt="" /><br /> &nbsp;</li> <li>&nbsp;Compare prices and shipping options and go to the store with the best option.<br /> &nbsp;</li> <li>A window will pop up asking for your email address if this is the first time you are using it. Make sure you use the same email as what you registered the cashback account under.<br /> &nbsp;</li> <li>If you purchase the item you will be able to claim your cashback after 60 days. You need a minimum cashback balance of $5.<br /> &nbsp;</li> <li>After you request your cashback payout it takes another 7 to 21 days to get your money. So you do have to remember that you need to wait up to 3 months to get your rebate and that means you need enough money now to cover the full price of the item you are purchase.<br /> &nbsp;</li> <li>There is a maximum cash back amount of $2500 per person per year.</li> </ol> <p>Here are some pitfalls of this promotion you should be aware of:</p> <ol> <li>Using extra coupon codes at the store you are shopping at may void the cashback reward.<br /> &nbsp;</li> <li>Some items can be backordered, and some stores only charge you when the item ships, and that may be outside of the promotional period.<br /> &nbsp;</li> <li>Returns and exchanges may void your cashback.<br /> &nbsp;</li> <li>You have to purchase the item through the Bing search results. This is because they track your purchase with cookies. If you close the browser and then go back to the store directly to make the purchase, the cashback may not register correctly. Also, if you clicked through to a store via&nbsp; another affiliate link before going to Bing, it is possible that earlier cookie could be overriding the Bing cashback cookie. Make sure to clear your cookies, and then go to Bing&nbsp; if you want the Bing cashback.&nbsp;</li> </ol> <p>Currently <a href="http://www.bing.com/shopping/Nike-Shox-Turbo-Oz-Little-Kids-White-Pink-Silver/search?q=kids%20nike%20shox&amp;p1=[CommerceService%20scenario%3d%22o%22%20docid%3d%22565186BF13634FFF17E1%22%20cashback%3d%221%22]&amp;wf=Commerce&amp;scope=cashback&amp;FORM=CBFT03">both Eastbay.com and Footlocker are giving 50% cash back on Bing</a>, but this may change at any time. This program is great for large purchases because the cash back amount is bigger. For example, I searched for some baby crib models that I was interested in and found stores giving cash back of up to 30%. Some of the prices of these new cribs were even less than the prices I saw on Craigslist because of the rebate. I also like the fact that Bing manages to search thousands of stores and products quickly, but you do need to know exactly what you want to narrow down the copious amounts of search results.&nbsp;</p> <p>For more information Bing has a <a href="http://www.bing.com/shopping/pages/faq.aspx?FORM=R5FD3">very good FAQ available here about the promotion</a></p> <p>The full <a href="http://help.live.com/help.aspx?project=tou&amp;mkt=en-us&amp;FORM=CBHT06">Terms and Conditions of the program is available here</a>.&nbsp; <br /> &nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> of <a href="http://www.wisebread.com/bing-double-savings-days-currently-paying-up-to-50-cashback">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-25-dining-certificates-for-3-at-restaurant-com">Get $25 dining certificates for $3 at Restaurant.com</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cheap-hotel-room-promo-get-a-room-at-super-8-for-888">Cheap Hotel Room Promo: Get a Room at Super 8 for $8.88! (offer expired)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/coupon-of-the-month-30-off-a-30-purchase-at-shopnbc">Coupon of the month! $30 off a $30 purchase at ShopNBC.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/papa-john-s-offers-23-cent-pizzas-to-cleveland-cavs-fans">Papa John’s Offers 23-cent Pizzas to Cleveland Cavs Fans</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-bargains-to-help-you-keep-your-cool-this-summer">5 bargains to help you keep your cool this summer.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Deals cashback deals Sat, 15 Aug 2009 17:00:20 +0000 Xin Lu 3500 at http://www.wisebread.com DON'T Buy It Now on eBay without using Live.com cashback http://www.wisebread.com/dont-buy-it-now-on-ebay-without-using-livecom-cashback <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/dont-buy-it-now-on-ebay-without-using-livecom-cashback" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/Live Search Products 3D.png" alt="" title="" class="imagecache imagecache-250w" width="250" height="169" /></a> </div> </div> </div> <p>You've been saving money with your online purchases thanks to Wise Bread, but wanna save even more? I know that got <em>your</em> attention.</p> <p>Periodically, <a target="_blank" href="http://ebay.com/"><strong>eBay</strong></a><strong> and Microsoft's <a href="http://live.com/">Live.com</a> run a joint promotion to award you cashback</strong>. It's plausibly beneficial for them because it drives traffic and ad revenue to Live amidst Google's dominance. Whatever the reasons, here's basically how it works:</p> <ol> <li>Sign up for a <a href="http://www.live.com/">Live.com account</a>.</li> <li>Do a Live.com search for a <strong>keyword match like &quot;</strong><a href="http://search.live.com/results.aspx?q=bullion&amp;go=&amp;form=QBLH"><strong>bullion</strong></a><strong>&quot;</strong>. A special link notifying you of a % cashback offer appears.</li> <li>Click the link and purchase an eligible item &mdash; so far, they've been <strong>&quot;Buy It Now&quot; with PayPal</strong>, not regular auctions.</li> <li>Cashback either gets awarded within a 60-day window, or in some cases (apparently random), instantly.</li> </ol> <p><img src="http://farm4.static.flickr.com/3633/3514749788_3e3bcdc14a.jpg?v=0" alt="" /></p> <p>You can read the <a href="http://search.live.com/products/pages/faq.aspx">terms and conditions</a>, which include a limit of total cashback and transactions.</p> <h2>Too good to be true?</h2> <p>At one point, I was skeptical &mdash; 35% cashback!? &mdash; but this is from eBay and Microsoft, not some shady fly-by-night operation. Alas, today the <strong>cashback is lower, at 10%, but up from 8% in days earlier</strong>. (But down from 14% that.) How do I know?</p> <h2>Use these tools</h2> <p>There's a useful tool called <a href="http://www.abevoelker.com/livesearch/"><strong>MS Live.com eBay Cashback % Notifier</strong></a>, thanks to a &quot;Waffle S.S.&quot; aka Abe Voelker. It does what it claims: enter a target cashback value and your email address. When it hits or exceeds that mark, you'll be notified as I was today:</p> <p><img src="http://farm4.static.flickr.com/3348/3514748824_6759ff157a.jpg?v=0" alt="" /></p> <p>If you'd rather not do that, you can setup a <strong><a href="http://forums.slickdeals.net/faq.php?s=&amp;do=search&amp;q=deal+alerts+faq&amp;match=all&amp;titlesonly=0">Deal Alert</a></strong> at SlickDeals.net which'll inform you of <a href="http://forums.slickdeals.net/showthread.php?sduid=328480&amp;t=1339763">epic threads like this</a>.</p> <p>I've earned over $600 cashback since my purchases last year &mdash; heck, that's enough to buy a <a href="http://www.wisebread.com/new-mac-minis-beware-small-gains-at-a-big-price">Mac mini</a>, or a combination of things you deem valuable. Each of us has our priorities; just don't go spending on eBay without this advantage.</p> <h2>Tips</h2> <ul> <li>Many retail stores, including <a href="http://stores.shop.ebay.com/Buys-Internet-Superstore__W0QQ_armrsZ1">Buy.com</a> and <a href="http://myworld.ebay.com/tigerdirect">Tiger Direct</a>, and specialty goods like <a href="http://myworld.ebay.com/novamusik/">Nova Musik</a>, have eBay presences in addition to their dot-com webshops. Compare the prices, and if they and other factors are equivalent, you'll <strong>save by buying through eBay with cashback</strong>.</li> <li>With competing listings around the same total price range, <strong>focus on where shipping is included</strong> in the &quot;Buy It Now&quot; price and (often) advertised as &quot;free shipping&quot;. Why? Because cashback applies to the item price but <em>not</em> to shipping. Try asking a seller if they'd be willing to make a change for you.</li> <li><strong>Watch cashback phases like a hawk</strong>, because when it ascends to a lucrative percentage, many eBay sellers jack up their prices to nullify any cashback advantage.</li> <li>On occasion, <strong>some keywords return higher cashback than others</strong>. Stay on top of these, too.</li> <li><strong>Don't hold out too long if it's a matter of a few dollars</strong>; it's a sort of gamble, as the people waiting for 14% cashback to climb to 20% or higher recently found out when it dropped to 8%.</li> </ul> <p><strong><em>Have you saved big with eBay's Live.com cashback? Have tips for using it more effectively? Let me know in the comments!</em></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/torley-wong">Torley Wong</a> of <a href="http://www.wisebread.com/dont-buy-it-now-on-ebay-without-using-livecom-cashback">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-you-need-to-start-flipping-items-for-cash-online">What You Need to Start Flipping Items for Cash Online</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-times-cash-is-not-king">8 Times Cash Is Not King</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-awesome-art-of-getting-great-deals-online">The Awesome Art of Getting Great Deals Online</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/modifiers-5-things-that-change-an-items-final-price">Modifiers: 5 things that change an item&#039;s final price</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-dumb-places-you-re-leaving-your-money">6 Dumb Places You’re Leaving Your Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping alert back buy cash cashback eBay live.com Microsoft money paypal search slickdeals Sat, 09 May 2009 04:19:29 +0000 Torley Wong 3144 at http://www.wisebread.com Modifiers: 5 things that change an item's final price http://www.wisebread.com/modifiers-5-things-that-change-an-items-final-price <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/modifiers-5-things-that-change-an-items-final-price" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dice_0.jpg" alt="Dice" title="Dice" class="imagecache imagecache-250w" width="250" height="250" /></a> </div> </div> </div> <p>On <em>Who Wants to Be a Millionaire</em>, Regis Philbin's famous catchphrase was &quot;Is that your final answer?&quot; You should keep the same thing in mind when buying stuff, because spending a few seconds to check could <strong>save you a substantial stash of moolah</strong>.</p> <p>Not counting &quot;used&quot; (B-stock and refurbished) goods and store cards, <strong>here are 5 modifiers which affect the final price of what you</strong> <strong>buy</strong>, whether it's in person or on the Internet:</p> <h2>1. Coupons &amp; promo codes</h2> <p>How easy! Surely you've heard of these &mdash; magical slips of paper that give you a spontaneous discount at the register. Or online, it's even easier (and saves trees): just paste the code into the order form at checkout.</p> <p>Offline, there's no shortage of flyers being mailed to the point where it becomes overwhelming. If you don't already have a few favorite stores, <strong><em>focus</em> on your options and weigh not just individual item coupons, but the overall shopping experience</strong>. (It doesn't make sense to save a few cents and be let down by unhelpful staff.) Find out if you can be apprised of specials online, since they tend to be more searchable. For example, Costco has paper coupon booklets, but they (and many Costcoholics, apparently) also post them on the web, which makes them easier to find or even setup an automatic alert for. This includes big things you're waiting for the price to drop on &mdash; such as an HDTV or fridge.</p> <p>Clipping paper coupons is a time-honored art which my Mom excelled at, the details of which are beyond this article's scope. But one principle which must always be stated is: most coupons for lower-priced goods (like food) don't make much of a difference in isolation. It's in aggregate that the savings add up. However, while you can make more money, you can never make more time, so <strong>consider whether the laborious task of scouring booklets and compiling your coupons &mdash; a crimp on convenience &mdash; is worth the cost</strong>. This is highly individual and needs to meet your needs, as some people enjoy coupon-clipping as a hobby. <em>Don't knock 'em! </em></p> <p>Online, <a href="http://www.retailmenot.com/"><strong>RetailMeNot</strong></a> is essential. It's user-powered, meaning many people submit promo codes and other people vote on their accuracy. Stale/expired coupons sink into the red while hot ones rise upwards. Some vendors feel threatened by this collective knowledge so they've asked RetailMeNot to exclude them, but other companies actively participate in promos. Be skeptical, however, as they may make something look better than it actually is. That's marketing for ya.</p> <p>Always look out for <strong>stackable coupons</strong>. Some deals mavens have mastered combining them, such as:</p> <ul> <li>a time-unlimited $50 off +</li> <li>a one-week special which removes a further $25 +</li> <li>extra 10% off if you buy 2.</li> </ul> <p>The math can get confusing, but don't let that deter you from savings, because web checkout forms usually assist with calculations.</p> <h2>2. Cashback</h2> <p>Cashback often comes in the form of: you need to sign up, then click on a special link which tracks you when you buy something. Then, after an elapsed amount of time (so the participating company can reap a net profit), you get your cash back (literally). Under this are all manner of economic and social complexities, such as partner sites receiving commission payments.</p> <p>Cashback tends to be smaller amounts like 2-10% and there are many flavors &mdash; <a href="http://www.fatwallet.com/"><strong>FatWallet</strong></a> is one of the more popular sites to have strategically turned cashbacking into a community &mdash; but there are occasional jackpots. For instance, eBay's Buy It Now thru Microsoft Live Search once <a href="http://forums.slickdeals.net/showthread.php?t=846962">rose as high as 35%</a> (!), and while I missed out on that, the cashback amount was at a still-respectable 25% when I opted for some pricey music gear. I ended up saving myself over $600 (it took a rolling 60 days to receive all my money after the orders had taken place).</p> <p>One downside of cashback programs, including the eBay-Microsoft one: at-face prices may be inflated slightly or hugely, so <strong>be careful the cashback doesn't merely reduce the price to its usual parity</strong>.</p> <p>Like coupons, take advantage of compound savings whenever possible: there've been a few times where I didn't just stack coupons, there was also cashback, sweetening the deal further. And sometimes there are rebates on top of that.</p> <h2>3. Rebates</h2> <p>Rebates come in different flavors, but they all have one thing in common: motivating you to take action (buy!) when you might normally not be so interested.</p> <p>MIR stands for Mail-In Rebate, another way of enticing you to buy an item with a lower final cost, but you need to wait weeks, or even months to get a check in the mail as compensation. If money is tight <em>today</em>, be sure to factor that in. The waiting game can be tense and rebate programs often have strict rules, such as how your claim form is filled out, and what you need to include from the original packaging &mdash; commonly both a copy of the receipt and original UPC (bar code). Let me assure you, it sucks to go through that trouble, miss out one detail, and receive a rejection letter instead of money. Some rebate programs are shady and unresponsive, so search for others who've dealt with certain companies before.</p> <p>This is why I prefer instant rebates &mdash; just like a coupon, but even easier, because it's automatically applied at checkout. All you have to do is buy. Ah, consumerism.</p> <h2>4. Shipping</h2> <p><strong>Don't be fooled by &quot;free shipping&quot;. It sounds tasty but often isn't true, as the cost is eaten up by a premium on the item itself.</strong> This applies everywhere from Amazon to eBay to Zappos.</p> <p>But it's also true some places have substantially better shipping deals than others, all costs considered. Some may spur you to buy over a certain amount, e.g., &quot;All orders over $99 get free ground shipping&quot;. This is tied to the economy of scale, since it takes about the same time to process most orders, but if you have a more expensive order, you (or at least your money) are viewed as more valuable to the company's bottom line.</p> <p>In those cases, if your order is close to the minimum for free shipping, it may make sense to buy a small, sub-$10 item (also known as a &quot;<a href="http://www.filleritem.com/">filler</a>&quot;) to push you over the limit. But <strong>don't force yourself to buy more than you actually need</strong>, 'cuz then you won't be saving at all.</p> <p>I previously wrote, &quot;<a href="http://www.wisebread.com/is-it-worth-paying-more-for-faster-shipping">Is it worth paying more for faster shipping?</a>&quot;. Check it out if you'd like related info.</p> <h2>5. Tax</h2> <p>Death and taxes may be certain, but at least you have a say in controlling the eventuality of the latter &mdash; like <strong>not paying sales tax if you order from out-of-state</strong>. After <a href="http://www.wisebread.com/new-mac-minis-beware-small-gains-at-a-big-price">writing about the Mac mini for Wise Bread</a>, I found out <a href="http://www.powermax.com/">PowerMax</a>, located one state to the south in Oregon, wouldn't ding me for $75 sales tax unlike Apple's own store. Sales tax becomes even more prohibitive on expensive orders: with high-end electronics, it easily runs into the hundreds of dollars.</p> <p>The point here isn't to deprive the government, but make the smartest decision based on what's legal and available. Be resourceful like MacGyver.</p> <h2>The most important lesson I've learned about modifiers...</h2> <p>is <strong>don't get excited until <em>you</em> see the final price</strong>. So often, I've thought &quot;That sounds like a bargain!&quot; but by the time I get to the register, all these additional hits, surcharges, and in the case of airlines, hidden costs have added up and stabbed me in the side.</p> <p>Online, don't be afraid to do a simulation by adding items to your cart and rushing to the checkout to see what it really costs. Some stores add additional friction (whether by dumb design or accident) and require you to signup for account &mdash; in which case, if you're understandably concerned about your privacy and getting spammed, have an alternate email address on hand to test the waters.</p> <p>If you're new to this, the first few times of keeping the above 5 modifiers and other elements straight can be confusing. But persist, know what you want, and <strong>get it at a better price than you originally thought possible</strong>.</p> <p><strong><em>What are your fave modifiers? Have a modifier that I missed? Share your knowledge with us!</em></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/torley-wong">Torley Wong</a> of <a href="http://www.wisebread.com/modifiers-5-things-that-change-an-items-final-price">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-awesome-art-of-getting-great-deals-online">The Awesome Art of Getting Great Deals Online</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-you-need-to-start-flipping-items-for-cash-online">What You Need to Start Flipping Items for Cash Online</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-little-known-amazon-shopping-hacks">5 Little Known Amazon Shopping Hacks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-strange-ways-online-shopping-has-changed-the-world">6 Strange Ways Online Shopping Has Changed the World</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-it-worth-paying-more-for-faster-shipping">Is it worth paying more for faster shipping?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Amazon cashback costco coupon eBay fatwallet modifier powermax promo rebate retailmenot shipping tax Zappos Sun, 22 Mar 2009 14:29:46 +0000 Torley Wong 2950 at http://www.wisebread.com