fbpx

Heads Or Tails On The New “Coin” Card?

It’s truly amazing about how fast a new product, app, or service can go viral through social media.  If you haven’t seen the video for new ultimate single credit, debit, and rewards card called “COIN” then you should really check it out!  Here is a link to the main website: www.onlycoin.com.  With all of our wallets looking a little bit more like a George Constanza special, Only Coin attempts to use modern day technology to take multiple cards in your wallet and shrink it down into one singular swipe card.   Will the new “COIN” card come up heads or tails with consumers? Coin has a mobile app that will allow you to add, manage, and sync the cards that you use most in your life to your Coin card.   The process of adding card information to your mobile app is supposed to be very easy according to Coin.  However, as we all know, technology is never as simple at the ...

Read More →

5 Gifts That You Can Regift

Who really knows how long the practice of ‘regifting’ has been going on as a true tradition? Don’t get mad at me for bringing this subject up because I’m not ‘Miss Manners’, and I know you’ve all done it at least once in your lifetime. Regifting became a really popular term after the famous “Label Maker” Seinfeld episode where Jerry and Elaine track down well known suspected regifter Dr. Tim Whatley. Jerry had received the label maker from Dr. Tim after Elaine gave the label maker to Dr. Tim for Christmas. Here are five gifts worth holding on to for a future regift. Wine– For most of us, we won’t be able to tell the difference between a $10 bottle and a $50 bottle. It’s not like you would care anyway whether Wine Spectator gave it 92 points or 72 points. If your wine rack is full or you just aren’t a big drinker then no harm, no foul. Keep ...

Read More →

5 Ways To Save Money At Department Stores

Gasp! Gasp! There’s nothing worse than having a white coated clinician spray some newly branded perfume on to a card and waft in your face as you gently stroll through the front doors of the department store.   You can get lost in a department store.   Some of them have three or four floors or if you take a trip over the pond to London take an afternoon to enjoy the ultimate department store in Harrod’s.   We shop at different department stores for different reasons, but here are five smart money moves tips for you if you choose to spend an afternoon trolling through racks of clothes and up and down escalators looking for a bargain. Start At The Clearance Racks– The upscale department stores are chock full of great merchandise.  Unfortunately for you, they don’t put it in the front of the store when you start shopping.  Work your way to the back of the store or to a particular ...

Read More →

Your Kid Has An I-Phone. Who Pays The Data Plan?

I’m pretty sure Apple can’t be hurting even though Steve Jobs is not at the helm anymore.   My kid’s went back to school last week and mentioned to meet the glut of Apple products that other students got from Santa Clause over the holiday season.    Apparently, even the elementary students stocked up on I-Pads, I-Touch, and the middle/high school students racked up on the I-Phones.     We all know that none of these technology gadgets are cheap to buy.    However, one of the topics that people don’t like to discuss is who will bear the cost for the data plan.  This is where the real dollars and cents add up over the long term. Parents will have varying opinions on this, but I’m of the opinion that when you child hits high school that you want to have them own part of the monthly data plan.  Each year that they get older, you should have them bear more and more of ...

Read More →

Will My Gift Cards Expire?

Now that the holiday season is over, I’m sure that everyone walked away with a few gift cards from family, friends, or co-workers. Whether it be an i-tunes card, store card, or just a good old debit card, each gift card should be closely examined so you make a smart money move and don’t lose any value of the gift. The Federal Credit Card Act of 2009 included provisions for gift cards that became effective August 22, 2010 and applies to cards sold after that date.  Under the Act, many types of retail cards are prohibited from charging inactivity fees unless the card has been inactive for at least 12 months.  All terms and conditions for a card must be disclosed directly on the card.  Additionally, gift cards may not expire for at least five years after purchase. (source: federalreserve.gov) Gift cards may still have terms and conditions that can decrease the value of the gift card.  These include charging: ...

Read More →