WHAT’S YOUR ANNUAL HEALTH INSURANCE COST INCREASE?: I just got my annual benefits package from my employer–I’m looking at an increase of 15% this year, though I’m not going to complain since I’m only paying $205 every two weeks, and you can do a lot worse than that. If you want to see how others are doing there’s a Fatwallet thread here where everybody’s posting their numbers, and you’re of course welcome to post your numbers in the comments below. [Read more…]
How to hack the NFL, Youtube, Netflix, and old age
HOW TO HACK NETFLIX AND HOW TO WATCH THE NFL ONLINE: In theory, it’s not possible to watch NFL games online in the United States. In practice, it is:
What’s a cord-cutting fan to do? For just a couple of dollars you could digitally pretend to be from somewhere overseas, which would give you access to every single NFL game, live and in high definition, through your Internet connection. And while doing so almost certainly violates the NFL’s terms of service, it might not be otherwise illegal.
That’s the promise of Canadian startup Adfreetime.com, one of a handful of providers to offer what’s called a DNS-switching service. Launched in May by 26-year-old Richard Probst, the website offers subscribers the ability to mask their browsers’ location by rerouting the embedded geographical identifier through a server somewhere else in the world. Turn on the region-unlocking service through a simple Web interface—Adfreetime has designed these as on/off buttons, like light switches—and it will appear as if a user in, say, Iowa is actually signing on from Ireland.
The origin story is interesting too:
Probst launched his startup out of frustration with Netflix, which offers a very different menu of movies and TV shows to subscribers in different areas. “We Canadians kind of get screwed on Netflix content. Americans have 10 times more than we have here,” he said. “Half of what we get is French crap that I can’t understand.” For $1.99 per month, Adfreetime allows users to access the Netflix streaming libraries in the U.S., U.K., Ireland, Brazil, Sweden, Finland, Netherlands, or Canada with a simple click. The differences are pronounced: British viewers can see the most recent episodes of Breaking Bad, which remain unavailable to American Netflix subscribers; the Swedish have access to such recent blockbuster fare as The Hobbit that is likewise not offered in the U.S.
I noticed the Netflix thing when I was in Nicaragua last winter: the movie selection was better, and Spanish subtitles were an option on a lot more films.
HOW TO RIP MUSIC FROM YOUTUBE: This is probably old hat to the technophiles among you, but it was news to me: there’s a site that will let you extract music from youtube videos. If you the sort of reader who like lots of pictures and helpful arrows to guide the way, then here you go.
LIFE-EXTENDING BIOTECHNOLOGIES: Get caught up with the latest science on John Mauldin’s website. Plenty of reasons to be optimistic about the future! Well, the long-term future, anyway.
OBAMACARE EXPLAINED: Until science figures out how to make us all perfectly healthy, this post from Dough Roller gives the best overview of Obamacare I’ve seen so far.
CHIPMUNK’S PLAN FOR FUTURE BETTER CRAFTED THAN THAT OF 8 OUT OF 10 AMERICANS: The Onion has the scoop:
Researchers stated that the striped 7-inch mammal displayed a degree of foresight and determination far exceeding that of the average U.S. citizen. In contrast to most Americans, the chipmunk was said to routinely work toward meaningful goals in an orderly and decisive manner without procrastinating for days on end, melodramatically sighing and complaining, or becoming immediately sidetracked by emails or online videos.
That one hit me a little too close to home.
10% cash back at Sears! And several other great deals…
It’s raining deals! Let’s start off with…
BANK OF AMERICA OFFERS 10% CASH BACK AT SEARS AND KMART: For those of you familiar with BankAmeriDeals, B of A’s awkwardly named deal page, you may have noticed that both Sears and Kmart are offering 10% cash back through October 19. The T&C’s:
Shop Sears and earn 10% cash back! Not valid at Sears Auto or shopyourway.com. Offer valid one time only. Offer expires 10/18/2013.
So that’s a one-time 10% cash back. Some folks have reported trouble getting B of A to hold up its end of the BankAmeriDeals bargain, so you might want to consider grabbing a screenshot.
But wait, that’s not all! There’s also…
AMEX $25 OFF $75 AT STAPLES: Log into your Amex account and you may just see $25 off any $75 purchase at Staples. I saw it for two of my three cards. The fine print clearly says, “Gift cards are eligible!!!!!” (The bolding and exclamation points are mine.)
But wait, there’s more!
GET PLINK POINTS AT STAPLES: Thanks to Frequent Miler for alerting me to the fact that Staples is now available on Plink. You can get 300 Plink points, worth about $3 in gift cards, on $60 in purchases at Staples. That would go quite nicely with that Amex deal!
Right now, you’re probably thinking, “Wow, this is a lot of deals! I need some time to think about this!” Well too bad! Because Frequent Miler keeps posting amazing deals! Like…
36X AT SEARS THROUGH OCTOBER 12: No, this isn’t the same deal from two days ago, this one starts off with 12 miles per dollar from the American Airlines portal. Check out FM’s article for details.
And that’s all the deals for today. Once you’re done, you may want to blow your hard-earned money on a stainless steel Vault wallet. This is a Kickstarter project, and the wallets will cost $29-$39.
Finally: sorry to end the week on such a downer, but did you know that it’s dangerous to play the credit card game? Sad, but true. So forget all that deal stuff I wrote about, it will only lead you astray. Thanks, Yahoo Finance!
Have a great weekend, folks!
Earn $15,000 in bonuses with Ebates! Plus other odds and ends
THANKS FREQUENT MILER!: Some kind words and free PR for PFD! Inside Flyer recently interviewed several boardingarea.com bloggers, and Greg, aka Frequent Miler, was kind enough to mention your humble blogger:
Greg says he reads a great many travel blogs but a new blog called Personal Finance Digest has caught his attention. It isn’t a travel blog, but it covers travel deals as well as many non-travel financial opportunities.
Thanks to Frequent Miler for the shout-out, and thanks to Travel Blogger Buzz for letting me know about it!
And while we’re talking about FM, he scientifically proved after exhaustive research that CashBackMonitor is the best rebate portal finder.
HOW A MISTAKE LED TO FREE $2,000 LIFETIME FAIRMONT PLATINUM STATUS: And speaking of TravelBloggerBuzz, a recent post made passing reference to a story I hadn’t heard about, the story of how TBB earned lifetime platinum status with Fairmont Hotels:
On the coupon website Living Social last week, Fairmont’s landmark San Francisco hotel on Nob Hill offered a package that included a stay in a luxurious suite and an extraordinarily attractive bonus: perk-rich lifetime VIP status with the entire Fairmont chain. The cost: Either $2,000 or $10,000.
People who understood the significance of the bonus started snapping up the deal, salivating at the chance to be treated like royalty every time they step into a Fairmont hotel for the rest of their life for as little as $2,000.
But within hours after approximately 117 people bought the Living Social package, Fairmont mysteriously pulled the deal even though it was supposed to have been sold through next Tuesday, March 1.
The lifetime platinum part of the deal was a mistake, but to Fairmont’s credit they honored it. Perks include an annual free night, several free upgrades each year, and an annual $100 dining/spa certificate. Well done! It’s good to know what the heck you’re doing so that you can pounce on deals like this when they present themselves.
(EDIT: An earlier version of this article used the word “free” in the intro headline. A subsequent investigation confirmed that $2,000 is not, in fact, free. We regret the error.)
VIRGIN ATLANTIC 65,000 FOLLOW-UP: Thanks to commenters rick b and Paul for doing some legwork on my Virgin Atlantic 65000-mile credit card offer post. Paul dug up this One Mile at a Time post on redeeming Virgin Atlantic points on Virgin America flights and pointed out that you can also parlay the miles via Hilton into a free night at a $1,000-per-night resort. Rick noted that the miles can also go for cross-country flights on Virgin Australia and for Air New Zealand as well. Thanks guys!
EARN $15,000 VIA EBATES REFERRALS: If you don’t already have an ebates account, you can get a free $10 gift card to the retailer of your choice by signing up here. Note that this is a referral link for me, but this is open to the public so you can set up your own referral link if you want to. In either case, once you’re signed up–or if you already are signed up–there’s some potentially lucrative referral action you can get in on.
As per their referral chart, you get $5 per referral (but only if that referral makes a $25 purchase via ebates within one year of being referred) AND you also get some lucrative bonuses. If you can refer just two people who purchase $50 worth of stuff, that’s a $50 bonus, so your $50 worth of stuff is effectively free. The same free stuff ratio scales all the way up through the first 100 people.
Two thoughts on this: first, I hope somebody reading this is in college so he can sign up his entire dorm and earn $2,500 (or whatever) for a kick-ass party. Second, while looking at the T&C’s for loopholes, I saw this: “The following activities are not permitted and will disqualify you from earning a referral bonus: (i) self-referral…” In other words, you can’t keep referring yourself. But what if Person A refers Person B, and then Person B refers Person A, and so forth–does that count as self-referral? I have no idea. Anyone?
NETSPEND IS HIRING: Can one of my readers please take this job and carve out a friendly space at NetSpend for points & miles aficionados?
The Manager, Predictive Analytics and Modeling designs, develops, and executes key quantitative / modeling projects within Marketing Analytics team to drive decisions, maximize contribution margin, and continuously increase acquisition, retention, and winback efficiency & effectiveness. This position is located in San Mateo, CA.
It’s in Marketing, and not Risk/Fraud, so you wouldn’t actually be setting policy for churners, but you might at least be able to talk some sense into those who are. I’d do it myself for the good of my readers, but as you may or may not recall I have a strict policy against living in high-cost areas. Anyone willing to step up?
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