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Archive for February 2008

How To Get Free Stuff By Using Drug Store Rebates (CVS, Rite Aid, Walgreens)

Published 3/1/08  (Modified 3/9/11)

By MoneyBlueBook

Now why would anyone want to spend money at a drug store chain like CVS, Rite Aid, or Walgreens to begin with? Looking at their store prices, it's clear everything is ridiculously overpriced compared to that offered at supermarkets. The reason why you would shop there - for the amazing drug store rebate deals that they offer (no, it's not a scam). If you can learn to take advantage of drug store rebates, you will find yourself getting a lot of free stuff for your money and winding up with merchandise whose total retail value greatly surpasses what you spent out of pocket.

Ever since I discovered and started actively using drug store rebates, my frugal living life has been transformed for the better. No longer am I paying shocking $3-4 dollars prices for ordinary household items like a roll of toothpaste. I'm not even resorting to generic store brands either. I'm simply taking advantage of the many store rebate deals offered by well known drug store franchises like CVS, Rite Aid, and Walgreens. Most of these major chains offer great rebates and deals, usually published weekly or monthly.

Supermarkets Offer Coupons and Discounts, But Drug Stores Offer Them Plus Rebate Store Credit

It's the bonus store credit offers that truly make drug store rebates so special. By taking advantage of these rebate deals and promotions, I've been able to consistently and regularly buy items at pennies on the dollar and continuously roll free rebate money from one month to the next. This drug store rebate flipping game

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Gas Cards: The Best Gas Credit Card Rewards and Offers

Published 2/28/08  (Modified 1/7/14)

By MoneyBlueBook

Updated List Of The Best Gas Rebate Credit Card Offers To Help You Save Money On Gasoline and Fuel

Want to save money or earn extra cash back when you fill up your vehicle despite high gas prices at the pump? It doesn't matter if you're an ordinary consumer, a business, or even a student - I'm sure we all wouldn't mind getting what essentially amounts to a cash back discount at the gas pump. If you are a frequent driver, you definitely will want the edge when it comes to taking advantage of the best possible card reward and cashback opportunities available for drivers. Gas prices have skyrocketed recently so anything you can reasonably do now to lessen the cost burden would be a wise financial move on your part as a gas consumer. Of course, only those who can handle the responsibility and burden of credit management should apply for and use credit cards. The rewards and rebates they offer are certainly attractive but they're not suitable for those with a shaky credit usage history.

Currently, many reward credit cards include gas station purchases on their special list of places that yield extra high bonus cash back credit card rewards. When you use the card to purchase gas, you'll frequently earn much higher reward rates than ordinary purchases made at other locations. If you strategically use a combination of reward cards like I do, you can designate higher rebate gas credit cards to be used specifically and primarily for gasoline expenses, and use your

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Which Investment Companies Should You Open Your Roth IRA With?

Published 2/27/08  (Modified 6/17/11)

By MoneyBlueBook

So you're thinking of opening a Roth IRA account? Congratulations! Although it's only one small step forward in sound financial planning, it's one giant leap towards building your financial future and saving for retirement. By now you've likely settled on which investment retirement account (IRA) vehicle is best for you. There are three major types - Roth IRA, deductible IRA, and the non deductible IRA. All offer tax deferral benefits but the retirement account that is most appropriate for the majority of ordinary individuals and married couples is the Roth IRA. Unlike traditional IRA's (both tax-deductible and non-deductible), Roth IRA's enjoy several great advantages and benefits which make them very attractive for those who want to invest and plan for their future retirement. Here is what every prospective Roth IRA investor and account holder should know:

  • Withdraws from Roth IRA's after age 59.5 are generally not taxed, because you pay your taxes on the front end by contributing after tax dollars.
  • Because most people steadily increase their total income over time as they get older, they usually either stay in the same marginal tax bracket or end up at a higher bracket level at retirement. Thus, Roth IRAs enable savvy savers at retirement to accumulate more money than even tax-deductible IRA's.
  • Unlike a traditional IRA, not everyone is eligible to open and contribute to a Roth IRA. For both 2009 and 2010, the Roth contribution limit is $5,000 as long as your income falls below $105,000 if you're single, and $166,000 if you're married filing a joint tax
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    Visit The Amusement Park During Off Peak Times And Use A Discount Code To Get Your Money's Worth

    Published 2/26/08  (Modified 3/9/11)

    By MoneyBlueBook

    I love roller coasters and visiting amusement parks. Luckily there are several great amusement and water parks near where I live in the Washington D.C. area including Six Flags, Busch Gardens, and King's Dominion. All of the theme parks have wonderful attractions and rides for both children and adults, and feature a wide variety of entertainment performances. Most of the theme parks take at least an entire day to enjoy so do plan ahead. But if you truly want to have a memorable experience, I recommend saving up and planning a vacation trip to the prime destination of them all - Walt Disney World in Orlando, Florida. The last time I went, I was just a little boy but since then the park has made substantial strides with the addition of multiple expansion parks and new rides. Disney World is very expensive (expect to pay $500-$1000 per person) and will require at least 3-4 days to fully enjoy, so it's best left for those rare and special vacation trips.

    No Lines And Half Priced Tickets - My Happy Experience At King's Dominion

    It doesn't matter which amusement park you visit - if you want to fully maximize your time and money spent, I highly advise you to visit during off-peak season, such as the very start of the park season. Amusement park opening dates and hours vary and are dependent on the climate of where the premises is located. Parks located in sunny Los

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    10 Common Expenses To Avoid If You Want To Really Save Money

    Published 2/23/08  (Modified 3/9/11)

    By MoneyBlueBook

    When you're standing in front of the cash register about to make a large purchase for hundreds of dollars, it's easy to immediately recognize the high cost and the financial gravity of the situation. The price is high and it's easy to see how the large one time expenditure is going to hit your pocket book. But what about those pesky little daily expenses that we often take for granted? They are just as effective at draining money, but the only difference is that they usually occur over a wider span of time. Those type of silent and hidden expenses do add up quickly over a month or even a one year period. It's important to be aware of what some of them are so that we can learn to avoid these money traps and do a better job of pocketing the savings.

    1) Bottled Water - Although I list this as my first money drain due to the consensus of many, it's actually one daily expenditure that I personally find to be worth the daily cost. While not necessarily healthier in terms of purity, due to the convenience and the healthy consumption habit the act promotes, I actually think drinking bottled water is worth the regular cost. However, there is a right way to do it and a wrong way. The right way is to buy bottled water in bulk supermarket 24 packs or in Costco's mega 32 packs. The absolute wrong way is to buy them in single units from a place like

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    The Best 0% APR Purchase Credit Card Offers (With Balance Transfers)

    Published 2/22/08  (Modified 4/24/13)

    By MoneyBlueBook

    Updated List Of The Best 0% APR Interest Credit Card Offers Below

    Zero percent purchase credit cards are specially suited for credit savvy consumers looking to make free purchases for 12 months or more without having to pay the amount back until the end of the promotional offer period. If you've low on spending cash or find yourself in a temporary financial emergency, 0% purchase credit cards can help you deal with your personal finance expenses until you get back on your feet. In the last few years there have been at least two occasions when I personally needed to depend on 0% card offers to help get me out of a temporary financial jam that lasted a few months. Although I was in good financial shape at the time my liquid spending money was just momentarily tied up in stock investments. So to successfully weather the cash strapped period, I paid off daily living expenses using my newly applied no interest credit card. Hey, it beats relying on pay day loans any day (which I've never had to use, thankfully).

    Both 0% Balance Transfer and 0% Purchase Credit Cards Have Pros and Cons

    While 0% balance transfer credit cards have gotten more publicity among those seeking debt reduction and among those looking to profit from high yield savings account interest, they usually require more careful management effort to maintain. One top differentiating benefit of using 0% purchase credit cards is to avoid the initial transfer fees associated with many balance transfer cards. For those who want

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