Steak a commodity is marketed,

its overall value is paid for in money but it might also be paid afterwards and marketed today. This idea is known as charge. Formerly only cash was that the medium for purchasing products, this can be replaced by tokens or IOU's or bonds, all kinds of charge money. The seller lender and becomes and the purchaser Is your debtor. If a product is sold cash isn't traded simultaneously throughout the trade. Money is no more the intermediately from the trade it concludes the trade. After the buyer isn't able to acquire the money to cover the vendor after, the house or the commodity in question could be marketed. Hence the value of this commodity is vital.


The product may be sent or even absorbed until the cash is accomplished. Any sort of security or financial instrument which isn't repaid instantaneously is known as charge. When folks purchase a home or automobiles on credit cash, the banks problems loans and this is a kind of credit that's reimbursed by the purchaser afterwards in installments. If a product is sold, instead of the intrinsic worth of the good the vendor takes credit for this. Credit isn't but cash loaned, it may also been viewed as an arrangement between the purchaser and seller that the purchaser gets the service or good beforehand and pays afterwards more with interestrates. In case a lender loans you money then it implies you are credit worthy.


All-Clad VIP Factory Seconds Sale: Next One 11/6-11/8

allcladvipAll-Clad cookware is known to be very high quality, but also quite expensive. If you cook regularly, you can justify the high price with the fact that the stainless steel pots and pans will essentially last forever. (I would skip the non-stick stuff, even anodized won’t last forever.)

HomeandCooksales.com is how All-Clad unloads their products with slight cosmetic blemishes. All sales final. However, you still get the same limited lifetime warranty as if you’d bought them at Williams-Sonoma. Really, who cares about dents and scratches when it comes to cookware?

The products which are for sale on this site are FACTORY SECONDS. They have minor cosmetic scratches and/or dents. There are no defects which will affect the cookware’s performance. For this event, all sales are final, no returns will be accepted.

The next big sale is 11/6-11/8 but you can see some items available now with the passcode ACVIPNOV17. To get future passcodes and reminders, send an e-mail to [email protected] to get on their mailing list.

I would still compare prices before purchasing. Amazon has been known to make price drops in response to these sales, and those items are not factory seconds (and also accept returns). You can also get 5% back at Amazon with an Amazon Prime credit card or Discover It card this quarter.

I’ve been slowly accumulating my “permanent cooking portfolio” of All-Clad pots/pans and Le Creuset/Staub dutch ovens. I recommend buying some Bar Keepers Friend as it helps wash off the stuck bits on stainless steel. Also good on bath tubs, kitchen sinks, and stove tops.

Costco New Membership Discount Certificate

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Here’s a new link for a Costco Membership Activation Certificate where for $60 you can get the following ($115.63 total value):

  • 1-year Gold Star membership ($60 normally), which includes a membership card for the primary cardholder as well as one free Household Card
  • $20 Costco Cash card
  • $35.63 in free coupons – Free Paper Towels Create-a-Size 12/160 ct ($15.69 value), Free VitaRain Zero Flavored Water 24/20 oz bottles ($9.99 value), and Free Food Court Whole Pizza ($9.95 value)

Offer valid for new memberships only. To qualify as a new member, an existing Costco membership must be expired at least 18 months or more. Offer Expires 12/31/2017.

The website should be legit as it has handled the backend for similar offers from Groupon and LivingSocial. If you buy two certificates, you can use that to redeem for an Executive Membership. Executive members earn a 2% cash back reward on your Costco spending (up to $1,000 a year). If you spend $3,000 annually times 2%, that’s a breakeven $60 back.

Update: Some folks are reporting trouble with purchasing. Some suggest trying this link (without the ) and double-clicking the purchase button. I would also consider contacting Costco about this sub-par customer experience.

Capital One® Venture® Rewards Credit Card – 50,000 Miles Limited-Time Offer

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The Capital One® Venture® Rewards credit card has increased their sign-up bonus to 50,000 miles after spending $3,000 on purchases within 3 months from account opening. Those 50,000 miles can be redeemed as a $500 credit towards any travel purchase made with the card (any airline, any hotel, no blackout dates). It may help to think of “miles” as “points”. The annual fee is also waived for the first year ($95 after that). learnmore_green

The highlights:

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

The 2 miles on on every $1 in purchases essentially make this a 2% back card when applied towards travel. This is pretty good overall, but compare with these other 2% cash back cards below.

Bottom line. The combination of a limited-time bump to 50,000 bonus miles and the annual fee waiver for the first year makes this a good time to apply for the Capital One® Venture® Rewards credit card. You’ll also get 2X miles on your purchases, so after you spend your $3,000 within 3 months to get the bonus, you can redeem 50,000 + 6,000 = 56,000 miles for $560 toward travel on any airline or hotel. That could be a nice discount on your next vacation.

California Residents: Southwest Credit Card Companion Pass Shortcut Offer

Southwest Premier Credit Card ArtIf you are a California resident, check out this special offer on the Southwest Rapid Rewards® Credit Card that provides a shortcut to the SWA Companion Pass:

The Companion Pass lets a designated person fly with you for free on all your Southwest flights – both paid and award flights! (You must still cover taxes and fees from $5.60 one-way.) Usually, you have to fly 100 qualifying one-way flights or earn 110,000 Rapid Rewards points within a calendar year in order to qualify. However, this special offer lets you get it after applying for a new card and making a single purchase of any amount.

Here are some additional things to consider:

  • How California residency is determined: “Individual must have a valid California address as evidenced by their application for the Rapid Rewards® Credit Card.” PO Boxes are not allowed as billing addresses. You should probably have the same billing address on your Rapids Rewards account.
  • You must open the card by 11/30/17, and allow up to 8 weeks after your first purchase to receive the Companion Pass. The pass will be valid until 12/31/18.
  • Chase has a rule that they will automatically deny approval on this credit card if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule).
  • Not available to either (i) current cardmembers of any Rapid Rewards Credit Card, or (ii) previous cardmembers of any Rapid Rewards Credit Card who received a new cardmember bonus for a Rapid Rewards Credit Card within the last 24 months.
  • Rapid Rewards® points won’t expire as long as your card is open or you have flight-earning or partner-earning activity at least once every 24 months.
  • You must still pay the annual fees of $69 or $99, depending on the card.

Southwest recently announced that they plan to start flying to Hawaii, but the flights probably won’t be until late 2018 or early 2019. Therefore, you might try to time your purchases so that you get the 40,000/60,000 point bonus in 2018 as part of a larger plan to earn 110,000 points throughout 2018 and get another Companion Pass good through the end of 2019.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review: 60,000 Miles Limited-Time Offer

Citi AAdvantage Platinum Select MasterCard Art

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, from our partner Citi, is running a limited-time offer on their co-branded American Airlines credit cards. Here are the updated card highlights:

  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • No Foreign Transaction Fees on purchases
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*

Note the following language for the personal card. Basically, to get the personal card bonus, you can’t have had the personal card opened or closed within the last 24 months. Having the business version is okay.

American Airlines AAdvantage® bonus miles are not available if you have had any Citi® / AAdvantage® card (other than a CitiBusiness® / AAdvantage® card) opened or closed in the past 24 months.

To clarify, you can have one of both the consumer version of this card and the CitiBusiness® version designed for businesses under your name. The bonuses are also separate. You can get one consumer bonus every 24 months, and you can also get one business bonus every 24 months.

The annnual fee is $95, waived for the first 12 months.

American Airlines MileSAAver awards are still 25,000 miles for a round-trip ticket within the contiguous 48 states. If the trip is less than 500 miles, then it is only 15,000 miles roundtrip within the contiguous 48 states. Under-500 miles routes include Las Vegas to/from Los Angeles, Charleston to/from Miami, New York to/from Washington DC, Philadelphia to Boston, and many others.

This card also makes you eligible for Reduced Mileage Awards, where you save up to 7,500 miles on roundtrip MileSAAver® awards to select destinations on American Airlines operated flights. Combine this with the 10% rebate on redeemed AAdvantage miles, and you can stretch your miles a lot further.

Bottom-line. Due to the 24-month waiting periods, it is best to apply during a limited-time offer such as now. The annual fee is waived during the first year. As with most of these co-branded cards, a lot of the potential value comes when you fly on American and utilize the free first checked bag benefit ($50 per person, roundtrip) and also when you redeem miles.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review – 60,000 Miles Limited-Time Offer

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The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, is running a limited-time offer on their co-branded American Airlines credit cards. Here are the details:

  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, care rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*

Note the following fine print:

American Airlines AAdvantage® bonus miles are not available if you have had any Citi® / AAdvantage® card (other than a CitiBusiness® / AAdvantage® card) opened or closed in the past 24 months.

To clarify, you can have one of both the consumer version of this card and this business version under your name. The bonuses are also separate. You can get one consumer bonus every 24 months, and you can also get one business bonus every 24 months.

Annual fee is $95, waived for the first 12 months.

American Airlines MileSAAver awards are still 25,000 miles for a round-trip ticket within the contiguous 48 states. If the trip is less than 500 miles, then it is only 15,000 miles roundtrip within the contiguous 48 states. Under-500 miles routes include Las Vegas to/from Los Angeles, Charleston to/from Miami, New York to/from Washington DC, Philadelphia to Boston, and many others.

There are some small differences between this and the consumer version of this card. This business card offers 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations. The consumer version does not. I also do not see any mention of the ability to earn 10% of your redeemed AAdvantage® miles back on this business card.

However, this business card does make you eligible for Reduced Mileage Awards, where you save up to 7,500 miles on roundtrip MileSAAver® awards to select destinations on American Airlines operated flights.

Business card eligibility. Many people aren’t aware that they can apply for business credit cards, even if they are not a corporation or LLC. Any individual can be a small business. Perhaps you sell items on eBay, Craiglist, or Etsy. Maybe you do some graphic design, web design, freelancing and/or consulting. If you received a 1099-MISC tax form and filled out a Schedule C, that means you have business income, you pay self-employment taxes, and you’re a sole proprietorship. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Bottom-line. Due to the 24-month waiting periods, it is best to apply during a limited-time offer such as now. The annual fee is waived during the first year. As with most of these co-branded cards, a lot of the potential value comes when you fly on American and use the free first checked bag benefit ($50 per person, roundtrip) and also when you redeem miles.

Please note this a business card, designed specifically for businesses. Click here for the consumer version.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

CIT Bank Review: Savings 1.35% APY, No-Penalty CD 1.45%, Opening Process

citbank200CIT Bank (not be confused with Citi Bank) has become one of the larger online-only banks with a multi-year history of competitive rates. They don’t offer a checking account, so their products are mostly designed to be savings products with high interest rates. Here are their most-interesting products, in my opinion:

They also have traditional term CDs as well as fancy CDs that allow add-on deposits and rate-bumps. Unfortunately, none of those rates are high enough even with the fancy features.

Rates are as of 10/16/17. Compare with the Ally Bank 11-month No Penalty CD, which requires $25,000 to open to get the 1.50% APY rate. At balances under $5,000, the Ally rate is only 1.00%.

Opening process overview. I recently opened an account with them, and here’s my review of the opening process.

  • The application process was completely online. You provide the usual personal information.
  • You must submit to a credit check, but in my experience it was a “soft” pull which did not harm my credit. None of my various credit monitoring services showed it was a hard pull.
  • You may fund via (1) electronic ACH transfer, (2) wire transfer, (3) mobile check deposit via CIT Bank mobile app (iOS and Android), and (4) mailing in a paper check. There was no option for credit card funding. I picked online ACH funding and you need to provide routing and account numbers, followed by manual verification via micro-deposits after a day or two. There was no instant linking option via login information.

After deposit verification, then your funding will go through.

You have successfully verified your external account. Please allow up to 5 business days for your funds to appear in your CIT Bank account.
No further action is required for this account. Thank you!

User interface. While the front-facing website is pretty slick, after you login the backend is run by Fidelity National Information Services (subdomain ibanking-services.com). This is a popular backend software system used by many smaller banks who don’t want to create their own software from scratch. It’s functional, but not very pretty. At least it’s familiar to someone like me who has too many bank accounts. Two-factor authentication is available using voice or SMS.

Amazon Prime: Buying Add-On Items Without Minimums w/ Alexa

alexaboxOn of the main benefits of Amazon Prime is that you can buy things whenever you want with no minimum purchase requirement, shipped to you for free. Mostly. Amazon classifies some of their lower-priced products as “Add-On” items, which must be bundled with $25 of items shipped by Amazon, excluding gift cards.

I understand the reason for this. I usually don’t even use 1-day or 2-day shipping even on larger orders. I pick up the No-Rush shipping credit and then let Amazon bunch up my orders and ship them more efficiently. However, I like actually making the purchase, otherwise some things will languish in my cart and I wonder why it never came. Also, this lets me lock in the current price for items that are temporarily discounted. Sometimes I want a $6 item but I just ordered $100 off stuff yesterday and I don’t need anything else.

You can have Add-On items ship without meeting the minimum purchase requirement by ordering it via the Alexa voice assistant. If you don’t have an Echo Dot or similar, you can also access Alexa on-demand via the Amazon Fire TV Stick, the Amazon Dash Wand with Alexa, and now through the Amazon Music app. These also let you access Alexa-only deals.

Here’s an additional time-saving trick, picked up from minisnoey of SD:

  • For example, let say you need Virbac C.E.T. Enzymatic Oral Hygiene Chews, Small Dog, 30 count. It costs $8 but is an add-on item.
  • If you tried to order via Alexa and say “order dog chews”, there are a hundred types of dog chews. It might take a long time for Alexa to figure out the exact type, size, and count of dog chews that you want. Some people have resorted to spelling out the product name letter-by-letter. T-E-D-I-O-U-S.
  • However, this time place the Add-On item in your online shopping cart via website or Amazon app. Do not buy it yet.
  • Now using Alexa, ask to buy the item “order dog chews”. Alexa should now know that you want the dog chews that are in your cart. She will verify the name and price, and you can now buy it via Alexa without any minimum order requirement. Frustration-free ordering.

Many times, I already have another order in process so it just gets bundled along.

Bonus tip: This deal is still working: $10 bonus on your first RE-order via Alexa ($10 minimum order).

In order to qualify for the $10 credit offer, you must: (1) be an Amazon Prime member that has never made a reorder with Alexa Voice Shopping and (2) order a physical product in your Amazon.com Order History of at least $10. The reorder must be made using voice shopping on your device with Amazon Alexa.

MoviesAnywhere: 5 Free Digital Movies After Linking Accounts

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MoviesAnywhere is a service that links up movies that you bought online at one retailer and lets you view them on another retailer. For example, you might buy a movie from iTunes and watch it from Amazon Video. This “digital movie locker” service used to be called Disney Movies Anywhere, but just expanded to include Disney, 20th Century Fox, Sony Pictures, Universal, and Warner Bros. Per e-mail from iTunes:

We wanted to let you know that Disney Movies Anywhere has expanded its list of participating studios to include Disney, 20th Century Fox, Sony Pictures, Universal, and Warner Bros. As a result, the service has rebranded to Movies Anywhere.

As Disney Movies Anywhere transitions to Movies Anywhere, you’ll need to create a new Movies Anywhere account in the Movies Anywhere iOS app or at the Movies Anywhere website before you can reconnect it to your Apple ID.

To encourage people to switch over, they are offering up to 5 free movies after you sign up at MoviesAnywhere for a new account and link up retailers (Vudu, iTunes, Amazon Video, Google Play). There is no promo code required (scroll down to see banner), but it is a limited-time offer.

  • Link one retailer, and get Ice Age and Ghostbusters (2016) for free.
  • Link a second retailer, and get Big Hero 6, Jason Bourne, and The Lego Movie for free.

I’ve used this feature for Disney movies, and I like the added convenience. I got my 5 free movies without issue instantly after linking.

Amazon Cash: Add $25, Get $5 Bonus Credit

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Updated. Amazon is running a new promotion that gives you $5 Amazon bonus credit if you add $25 via Amazon Cash. Amazon ran a similar promo earlier this year that expired, so note that this one is only valid if you haven’t used Amazon Cash before.

Amazon Cash let you load cash into your Amazon account and buy things online. You get a unique barcode linked to your Amazon account, and then bring it in to a participating physical store. You can either print it out or use your smartphone. There are no fees. Participating stores include GameStop, CVS Pharmacy, KwikTrip, Fred’s Pharmacy, Cumberland Farms, and more.

Ask the cashier to scan your barcode like you’re buying a physical item. The cashier may not be familiar with the program, but as long as they scan it/see screen/enter $25, and you pay, it will go through. You can pay with pay with cash or credit card, and the funds will be loaded onto your Amazon balance (same place as where gift cards go).

Try Amazon Cash for the first time by adding $25 or more to your Amazon Balance and earn a $5 Amazon Credit towards your next purchase on Amazon.com. Your discount will automatically be applied at checkout. This is a limited time offer, one per Amazon customer account. The promotional credit expires on December 31, 2017.

Something easy to do if you are already in a mall with a Gamestop or shopping at CVS. Note that the $5 free credit must be used on products shipped and sold by Amazon.

20% off at Amazon with 1 American Express Membership Rewards Point (Targeted)

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Amazon has a targeted promotion offering a 20% off your Amazon purchase (max discount $50). This may be targeted to people with an eligible American Express card with Membership Rewards points linked in their Amazon.com account. If you have one that isn’t linked, you may want to try adding it and then checking the link again.

After activating the offer, add only items shipped and sold by Amazon to your cart. During checkout, you only need to spend 1 single American Express Membership Rewards point after choosing your linked AmEx. Verify that you see the 20% discount before finalizing your order. Your maximum discount is $50, which means you could get $50 off $250 in purchases. Not applicable towards Amazon Gift Cards or third-party gift cards.

You could use this on things that are rarely discounted, like getting $50 off Bose QC 35 headphones. I’ve been eyeing the biggest 8-quart Instant Pot after reading this NY Times article about thinking of it as a slow cooker replacement. (The 8-quart goes on sale a lot less often for some reason.)

The wording suggests that you can come back and make multiple purchases at Amazon, and as long as you use 1 single Membership Rewards points on each purchase, you’ll keep getting 20% off until you reach the maximum discount of $50.

Amazon Music Unlimited: 4-Month Free Trial with Eligible Citi Credit Card

Update: The previous $10 credit sold out quickly, but Amazon has brought back this promo with a $5 credit. Still better than nothing if you missed it initially. 🙂

amuHere’s a quick and easy offer for new subscribers to Amazon Music Limited. Even if you don’t like to stream music, you can sign up for a free trial and get a $5 credit towards anything shipped and sold by Amazon.