Thursday, November 22, 2012

Kellogg’s Family Rewards™ Points


kfr-logo

Free Codes:

ERESUNGANADORHOY (50 points)
FOODNETMAG50PNTS (50 points)
KFRNOWONFACEBOOK (20 points)
GOODHOUSEMAG50PT (50 points)
FOODNETMAG50PNTS (50 points)
KFRNOWONFACEBOOK (20 points)
GOODHOUSEMAG50pt (50 pts)
REDBOOKKFR50pnts (50 pts)
KFRFREEGROCERIES (50 pts)
MYFAVCHARACTER50 (50 points)
HALLOWEENPARTY25 (25 Points)
JOINKELLOGG2SAVE (50 Points)
HOWITWORKS20PNTS (20 points)
KELLOGGSMEDAL20P (20 points)
KFRFIBERPLUSPOLL (10 points)
LVNGSOCIAL25PNTS (25 Points)
KELLOGGSMEDAL20P (20 points)

FREE $25 Statement Credit for American Express Card Members




FREE $25 Statement Credit for American Express Card Members

To receive the $25 statement credit, the Cardmember must use his or her enrolled Card to spend $25 or more in a single, in-store transaction at a qualifying small business location on Saturday, November 24, 2012. To receive the credit, the transaction must equal $25 or more.

Enrollment for the American Express $25 Statement Credit Cardmember Offer opens November 18. Enrollment is limited so come back November 18th to enroll.

FREE $25 Statement Credit for American Express Card Members

Black Friday Deals - Toys"R"Us Lalaloopsy Large Doll 2-Pack, $29.99 40% off


I just found this on shopkick and thought you might like it. Check it out here: Shopkick



Toys"R"Us
Toys"R"Us Lalaloopsy Large Doll 2-Pack, $29.99 40% off
Ages 3-up. While supplies last. Offer valid on Thursday 11/22/2012 from 8pm to Friday 11/23/2012.


Want to find cool stuff too? Download shopkick on iPhone or Android. You'll also get get awesome rewards at stores like Target, Macy's and many more. See you soon!

Black Friday Deals- Old Navy Select Coats for Women $19


Hey there - I just found this on shopkick and thought you might like it. Check it out here: Shopkick


Old Navy
Old Navy Select Coats for Women $19
Subject to price and availability. Offer only valid until 12pm on 11/23/12.


Want to find cool stuff too? Download shopkick on iPhone or Android. You'll also get get awesome rewards at stores like Target, Macy's and many more. See you soon!

Black Friday Deals - Sephora Collection Gilded Brush Set Trio, now $10


 I just found this on shopkick and thought you might like it. Check it out here: ShopKick



Sephora
Sephora Collection Gilded Brush Set Trio, now $10
Save $20 on Friday 11/23. Prices subject to change and may vary by location. While supplies last. Limit 2 per item.


Want to find cool stuff too? Download shopkick on iPhone or Android. You'll also get get awesome rewards at stores like Target, Macy's and many more. See you soon!

Just discovered this on shopkick - Free gift with purchase. 2012 V.I.P Bag


 I just found this on shopkick and thought you might like it. Check it out here: shopkick




Bath And Body Works
Free gift with purchase. 2012 V.I.P Bag
Over $100 Value! With 7 merry must-have. While Supplies last.Offer only valid on 11/23/12.


Want to find cool stuff too? Download shopkick on iPhone or Android. You'll also get get awesome rewards at stores like Target, Macy's and many more. See you soon!

Wednesday, October 24, 2012

10 Workplace Rights You Think You Have -- But Don't -


This is a really great article. Must Read

This article is from Aol.com, by Donna Ballman

10 Workplace Rights You Think You Have -- But Don't


1. "I was wrongfully terminated."
Maybe if you lived in Montana you'd have a point. Montana is the only state in the nation with a law saying you can only be fired for just cause. Otherwise, you live in an at-will state. That means you can be fired for any reason or no reason at all. They don't have to have a good reason. They don't even have to give a reason in most states. Boss in a bad mood? He or she can fire you. HR didn't like the shoes you wore that day? Buh-bye.

2. "I know I have the right to see my file."
Probably not, so don't go stomping into HR and making demands. No federal law requires private employers to allow employees to inspect or copy their own personnel files. Only some states require employers to allow you to look at your file and even fewer require your employer to allow you to copy items in your file. Many times, the only way you'll find out what's in your file is if you sue and you get it with a Request for Production, or if you subpoena it in unemployment or other proceedings.

3. "I demand my break right now."
Yeah, only problem with this is that no federal law requires employers to offer any work breaks for anything, even meals. Some state laws do require work breaks, but it's not a majority. No federal law even requires bathroom breaks, but it's probably a health issue, so OSHA might protect you if your employer denies bathroom breaks. If you're a nursing mother, you're entitled to an unpaid break to express breast milk if your employer is big enough. Some states also offer protection for nursing moms taking breaks. Lots of people get fired for insisting on breaks they're not entitled to. Don't do it.

4. "I'm working in a hostile environment."
It's pretty much your boss's job to create a hostile work environment. A hostile environment is not illegal. Workplace harassment is not illegal. Bullying is not illegal in any state. Only hostile environment or harassment due to race, age, sex, religion, national origin, disability, color, taking Family and Medical Leave, whistle blowing, or some other legally-protected status is illegal.

5. "I exercised my First Amendment rights."
If you work for a private employer, you really shouldn't have done that. Only government employees have free speech protections, and those are very limited. Otherwise, you can be fired in most states for your speech (including political speech) in the workplace or outside the workplace. You can't be fired for speaking on behalf of coworkers in order to improve work conditions or for objecting to something illegal, but be very careful to make sure you're protected before you speak out.

6. "My boss invaded my privacy."
Your boss can read your work e-mails and monitor your Internet usage at work. If your employer is going to listen into or record phone calls, there are some legal restrictions. You also have privacy rights in your medical information. There is no federal law protecting your social security number, but California and New York do offer limited protection against employers displaying your number.

7. "But this is a right to work state."
Hopefully you didn't say that right before you signed a non-compete agreement. Right to work doesn't mean your employer can't restrict your ability to work for competitors after you leave. What it means is they can't make you join a union in order to work there. Some states, but not all, are right to work states. If your supervisor tells you that signing a non-compete agreement is meaningless or that it won't be enforced, they are lying to you.

8. "I was retaliated against after I complained."
Oh no. Tell me you didn't write a long letter complaining about your boss being unprofessional or incompetent. There is no law prohibiting an employer from retaliating against you for reporting or objecting to policy violations, ethical violations, bullying, or the fact that your boss is a jerk. If you do something that puts you in a legally protected category, you may be protected from retaliation. Examples would be objecting to discrimination, making a worker's comp claim, or taking Family and Medical Leave.

9. "I was discriminated against because my boss didn't like me."
If your boss is discriminating against you for being you, that isn't illegal. Favoritism, nepotism, and being obnoxious are not illegal. Discrimination based on age, pregnancy, race, sex, religion, national origin, disability, color and genetic information are illegal. In some states, other categories such as sexual orientation, gender identity, marital status, and being a domestic violence victim are protected.

10. "I not only want to sue my company -- I want to sue my boss."
As much as it may be satisfying to sue your ex-boss personally, you probably can't. Federal and many state discrimination laws, Family and Medical Leave Act (in some states the courts disagree on this), and most other employment laws simply don't allow it. One major exception is wage and hour violations. Some state discrimination laws do hold supervisors liable for violations. But what's the point? Unless they're rich, you probably won't be able to collect anyhow.

Monday, October 22, 2012

Energy Star Program


Energy Star Program

The below are great ways to save on Energy and get possible rebates!!!
I got one this summer from Con Ed for busying an emergency efficient air conditioner.
This North Carolina home gets most of its space heating from the passive solar design, but the solar thermal system supplies both domestic hot water and a secondary radiant floor heating system. | Photo courtesy of Jim Schmid Photography, NREL
Live in a cold climate, but get lots of sun? Active solar heating may be the most efficient option for heating your home.Active Solar Heating
This North Carolina home gets most of its space heating from the passive solar design, but the solar thermal system supplies both domestic hot water and a secondary radiant floor heating system. | Photo courtesy of Jim Schmid Photography, NREL
Live in a cold climate, but get lots of sun? Active solar heating may be the most efficient option for heating your home.
Electric Resistance Heating
Baseboard heaters are one type of electric resistance heaters. | Photo courtesy of ©iStockphoto/drewhadley
Electric resistance heating can be expensive to operate, but may be appropriate if you heat a room infrequently or if it would be expensive to extend the existing heating system to an addition.
Heat Distribution Systems
Radiators are used in steam and hot water heating. | Photo courtesy of ©iStockphoto/Jot
Does your home have an efficient system for distributing heat? Learn about different distribution systems.
Radiant Heating
In-wall radiant heating in a house under construction near Denver. | Photo courtesy of Warren Gretz, NREL.
Say goodbye to cold floors in winter. Radiant heating can be a comfortable and efficient heating choice.

Looking for an inexpensive way to heat a room? Portable heaters are useful for supplemental or occasional heating, but must be installed and operated properly to avoid fire and burn hazards.


Mail in Rebates

Mail in Rebates

PRINGLES MIR FOR FREE SPEAKER CAN x 10/31/12
-MIR for FREE Pringles Speaker Can x10/31Get a FREE Pringles can speaker (while supplies last) when you buy 4 Super Stack cans between May 15, 2012 and October 31, 2012. You will just need to mail in your receipts by November 30th along with the rebate form which you can print HERE. The speaker actually fits on top of a Pringles can and you should allow 10-12 weeks for delivery.


3M FILTRETE $5 MIR wyb AIR FILTER W/1500+ MPR x12/31/12
-$5 MIR wyb a Filtrete® Air Filter with a 1500 Microparticle Performance Rating (MPR) or Greater
Buy a 3M Filtrete air filter with a 1500+MPR and submit rebate form, proof of purchase and register receipt. One rebate per household. Purchase must be made between 1/1/12 and 12/31/12 and rebate request must be received by 1/31/13.

3M FILTRETE $6 MIR wyb (2) HIGH PERFORMANCE AIR FILTER W/1500+ MPR x12/31/12
-$6 MIR wyb (2) High Performance Filtrete Air Filter with a 1500 (MPR)+ x12/31
Buy two 3M Filtrete high performance air filters with a 1500+MPR and submit rebate form, proof of purchase and register receipt. One rebate per household. Purchase must be made between 5/1/12 and 12/31/12 and rebate request must be received by 1/31/13.

3M FILTRETE $5 MIR wyb Filtrete Water Station x12/31/12
-$5 MIR wyb Filtrete Water Station x12/31/12
Buy a Filtrete Water Station between 1/1/12 and 12/31/12 and submit rebate form, proof of purchase and register receipt by 1/31/13 to receive a $5 rebate. One rebate per household.


FREE REUSABLE LUNCHSACK FROM ANNIE’S HOMEGROWN x10/31/12
-Get a FREE Reusable lunchsack wyb 2 Select products x10/31
You can get a FREE reusable lunch sack when you buy ANY TWO of the following items: Annie’s Homegrown Products, Stonyfield YoKids Organic Yogurt 6 pks or Squeezers, Honest Kids Organic Drinks 8 pk Carton or 64 oz Bottle or Seventh Generation Disinfectants (sprays or wipes). Just go HERE to print the form or find out more information. Products must be purchased between 8/1/12 & 10/31/12 and you will need to mail in your proof of purchases and you should allow 8 to 10 weeks to receive your lunch sack.

JUST FOR MEN TRY ME FREE REBATE x12/31/12
MIR for purchase price of Just for Men Haircolor or Gel up to $9.50 HERE x12/31/12
You will need to mail your original register receipt dated before 12/31/12, proof of purchase, andrebate form HERE. There is a limit of one rebate per household.

$20 MIR wyb SELECT ORAL B TOOTHBRUSHES x10/30/12
-$20 MIR wyb Select Oral B Toothbrushes x10/30/12
Get a $20 rebate in the form of a prepaid card wyb Oral-B Professional 1000, 1500, 3000, 4000, 5000, Sam’s Club Professional Care Series Dual Handle Pack or Pulsonic Electronic Toothbrush (excludes Costco Professional Care Advantage Dual Handle Pack, Professional Care 8850, Vitality Pro-Health, Cross Action Power, Complete Action, 3D White Action, Refill Heads and ETS). Mail form with original UPC bar code and receipt dated between 7/1/12 and 9/30/12 with store name and purchase price circled. Request must be postmarked by 10/30 and there is a limit of one rebate per name, envelope or address.

$15 MIR wyb $50 WORTH OF SELECT P&G PRODUCTS x12/31/12
- $15 MIR wyb $50 worth of select P&G Products x12/31
Get a $15 MIR wyb $50 worth of Select P&G products between 10/14/12 and 12/31/12. Products include Aussie, Clairol, CoverGirl, Crest 3D Whitestrips, Head & Shoulders, Herbal Essences, Ivory, Olay, Pantene, Puffs, Safeguard, Secret & Venus. The total amount of your purchases needs to be $50 BEFORE coupons. You will need to mail the rebate form along with your original receipt(s) with items & purchase price(s) circled by 1/30/13. You will also need to enter the UPC codes from products purchased on the form. The rebate will be in the form of a gift card which you should receive in 6 – 8 weeks.

Thanks to TotallyTarget for these great Rebates


Recyclebank Trick or Treat: Earn 70 More Points

Rewards_Points_Halloween_Treasure_Hunt_Recyclebank



Go to Recycle Bank to Earn a quick 70 points!! Not a member, not a problem, go Here and sign up today. Once you log in or register, look under the Earn Points Tab for the Trick or Treat Treasure Hunt point earning opportunity.Review all the houses and complete the activities including pledges and short quizzes. PLUS at the very last house you might be rewarded with a special treat! I GOT 50 ADDITIONAL POINTS!

Remember, Recycle Bank  is one of the best rewards programs, and does not require purchases.

About RecyclebankRecyclebank is a great program that rewards you for recycling by working with a variety of partners. You can add points in many different easy ways, answering quick questions, purchasing specially marked products and trading in your old electronics. Just go HERE to sign up for Recycle Bank to find out all the ways to earn and save!

Happy Halloween!!! Boo...

Elly

Free credit score and complimentary credit report

Wells Fargo

Wellsfargo.com/freecreditscore

COFFEE-MATE BREW CREW REWARDS PROGRAM

brew crew

COFFEE-MATE BREW CREW: FREE PROMOTIONAL ITEMS, SAMPLES & COUPONS

Join The COFFEE-MATE Brew Crew, an elite team of COFFEE-MATE fans who help spread the word about COFFEE-MATE and provide feedback on COFFEE-MATE products, promotions and marketing efforts to COFFEE-MATE’s marketing team.

In exchange, COFFEE-MATE Brew Crew Members can receive Free Promotional Items, Free Samples, and Coupons to share others who drink coffee. There are also simple and fun weekly activities you can do to earn points that can be used to redeem for great rewards in the online store.

If I have an addition/s it would be coffee and shoes. So, this Rewards program is perfect for me, as I drink a couple of javas a day.  This is super excited.

Thanks MoJoSavings

shopkick!! Earn free gift cards


Found a fun shopping app called shopkick! It gives you rewards and insider deals at Target, Best Buy, & many other stores. I left you 50 kicks on shopkick - use them for rewards or donate to causes.
Shopkick is an app that allows smartphone users to get sent special deals when they enter a participating store. The app  has been around since 2009, prior to its gran debut, the start-up gained $2.5 million in financing. 


P.S. Here's where to get it: shopkick.com


Saturday, October 20, 2012

List of Rebates


3M FILTRETE $5 MIR wyb AIR FILTER W/1500+ MPR x12/31/12
Buy a 3M Filtrete air filter with a 1500+MPR and submit rebate form, proof of purchase and register receipt.  One rebate per household.  Purchase must be made between 1/1/12 and 12/31/12 and rebate request must be received by 1/31/13.

3M FILTRETE $6 MIR wyb (2) HIGH PERFORMANCE AIR FILTER W/1500+ MPR x12/31/12
Buy two 3M Filtrete high performance air filters with a 1500+MPR and submit rebate form, proof of purchase and register receipt.  One rebate per household.  Purchase must be made between 5/1/12 and 12/31/12 and rebate request must be received by 1/31/13.

3M FILTRETE $5 MIR wyb Filtrete Water Station x12/31/12
Buy a Filtrete Water Station between 1/1/12 and 12/31/12 and submit rebate form, proof of purchase and register receipt by 1/31/13 to receive a $5 rebate.  One rebate per household.

FREE REUSABLE LUNCHSACK FROM ANNIE'S HOMEGROWN x10/31/12
You can get a FREE reusable lunch sack when you buy ANY TWO of the following items: Annie's Homegrown Products, Stonyfield YoKids Organic Yogurt 6 pks or Squeezers, Honest Kids Organic Drinks 8 pk Carton or 64 oz Bottle or Seventh Generation Disinfectants (sprays or wipes). Just go HERE to print the form or find out more information. Products must be purchased between 8/1/12 & 10/31/12 and you will need to mail in your proof of purchases and you should allow 8 to 10 weeks to receive your lunch sack.

BISSELL $20 MIR wyb SPOT BOT OR SPOT BOT PET x10/15/12
Get a $20 MIR wyb Bissell Spot Bot or Spot Bot Pet between 8/29/11 and 10/15/12.  Mail in rebate form, UPC code and original receipt by 11/14/12.  One entry per household, allow 6-8 weeks for delivery.

BISSELL $20 MIR wyb STEAM & SWEEP x10/15/12
Get a $20 MIR wyb Bissell Steam & Sweep between 9/1/11 and 10/15/12.  Mail in rebate form, UPC code and original receipt by 11/14/12.  One entry per household, allow 6-8 weeks for delivery.

CREST 3D WHITE $10 MIR x9/29/12
Get a $10 MIR in the form of a prepaid card wyb Crest 3D White Intensive Professional Effects 7 ct, Professional Effects 20 ct or 2 Hour Express 4 ct Whitestrips between 7/29/12 and 9/29/12. Submit form, original UPC and original sales receipt with the store name and purchase price circled by 10/31/12. Limit of one rebate per name, envelope or address. Allow 6-8 weeks to receive rebate.

JOHNSON & JOHNSON MIR for $90 in COUPONS wyb $50 SELECT J&J PRODUCTS x9/30/12
Get $90 in coupons wyb $50 worth of select J&J products (ETS) between 7/29/12 and 9/30/12. Products included are: Ambi, Aveeno, Band-aid, Bengay, Carefree, Clean & Clear, Cortaid, Desitin, J&J, Johnson's, K-Y, Lactaid, Listerine,  Lubriderm, Neosporin, Neutrogena, o.b., One Touch, Reach, RoC, Rogaine, Splenda, Stayfree, Viactic, & Visine.

JUST FOR MEN TRY ME FREE REBATE x12/31/12
MIR for purchase price of Just for Men Haircolor or Gel up to $9.50 HERE x12/31/12
You will need to mail your original register receipt dated before 12/31/12, proof of purchase, and rebate form HERE.  There is a limit of one rebate per household. You will need to reach $50 BEFORE coupons and tax, and purchases can be on multiple receipts. You can use coupons on your purchases as long as your total amount of original purchase prices circled on your receipts totals $50 before coupons. Your original cash receipts and the completed form must be received by October 31, 2012. Only 1 offer per household and street address and only while supplies last. Qualifying products are: Aveeno, Band-aid, Bengay, Carefree, Clean & Clear, Cortaid, Desitin, Johnson's, J&J Red Cross, K-Y, Lactaid, Listerine, Lubriderm, Neutrogena, Neosporin, o.b., One Touch, Reach, Rembrandt, ROC, ROgaine, Splenda, Stayfree, Viactiv, and Visine.

FREE LYSOL WIPES wyb (2) LYSOL PRODUCTS x9/30/12
-FREE Lysol Wipes (up to $3) wyb (2) Lysol Products 8-5-12 SS x9/30
Get a rebate for Lysol Wipes (up to $3) wyb Lysol wipes and two additional Lysol products between 8/1/12 and 9/30/12 and submit form, original receipt with purchase price(s) circled. Request must be postmarked by 10/31 and you should allow 6 to 8 weeks to receive your rebate. One offer per person or household.

$20 MIR wyb SELECT ORAL B TOOTHBRUSHES x10/30/12
Get a $20 rebate in the form of a prepaid card wyb Oral-B Professional 1000, 1500, 3000, 4000, 5000, Sam's Club Professional Care Series Dual Handle Pack or Pulsonic Electronic Toothbrush (excludes Costco Professional Care Advantage Dual Handle Pack, Professional Care 8850, Vitality Pro-Health, Cross Action Power, Complete Action, 3D White Action, Refill Heads and ETS). Mail form with original UPC bar code and receipt dated between 7/1/12 and 9/30/12 with store name and purchase price circled. Request must be postmarked by 10/30 and there is a limit of one rebate per name, envelope or address.

PRINGLES MIR FOR FREE SPEAKER CAN x 10/31/12
Get a FREE Pringles can speaker (while supplies last) when you buy 4 Super Stack cans between May 15, 2012 and October 31, 2012.  You will just need to mail in your receipts by November 30th along with the rebate form which you can print HERE.  The speaker actually fits on top of a Pringles can and you should allow 10-12 weeks for delivery.


Thanks to TotallyTarget

Thursday, October 11, 2012

Today: Free full-sized Frederic Fekkai shampoo ($25 value)


Free full-sized Frederic Fekkai shampoo ($25 value)

main_img_product.png
Get a free full-sized Frederic Fekkai shampoo valued at $25 on Thursday, Oct.11, at Sak's Fifth Avenue stores. No coupon is necessary.
Bring in any full-size shampoo and exchange it for a free, full-size 8-ounce Fekkai Advanced Shampoo. Choose from Fekkai Advanced Essential Shea, Full Blown Volume, Brilliant Glossing or Salon Technician Shampoo, while supplies last.





Store details:

SAKS FIFTH AVENUENEW YORK
611 5TH AVENUE
NEW YORK, NY 10022
212-753-4000

REGULAR HOURS:
MONDAY THROUGH SATURDAY 10 TO 8
SUNDAY 11 TO 7
CAFE SFA ON 8:
SUN - SAT 11AM TO 4:30PM
SNACKS ON 5:
MONDAY THROUGH SATURDAY 12 TO 7
SUNDAY 12 TO 6

Wednesday, October 10, 2012

Are you a Capital One cardholder? Read this..American Express to Pay $85M to 250K Consumers

Another great article. If you are a Capital One cardholder, you should definitely read this article.

Capital One to Refund $140 Million to Cardholders

By , About.com GuideJuly 20, 2012
The Consumer Financial Protection Bureau has ordered Capital One to refund $140 million to approximately two million cardholders after the card issuer deceived customers into purchasing certain add-on services, like payment protection plans and credit monitoring.
Current and former Capital One customers who initially enrolled in one of the add-on services on or after August 1, 2010 or who unsuccessfully tried to cancel after August 1, 2010 will receive a refund of all fees plus interest. Current cardholders will receive the refund as a credit to their credit card account. Former cardholders will receive a check in the mail.
Watch Out for Phishing Scams
The CFPB warns of scams related to the refund. Scammers may ask for personal information or tell you to send money to receive your refund. The refund is automatic. If you're entitled to a refund, you won't have to do anything to receive funds.
Always remember not to give out personal information on a call you didn't initiate to a number you've confirmed belong to your card issuer. Never give out personal information via email or a website you landed on from an email click. Instead, log in to your account by typing the company's URL directly into your internet browser.
What Capital One Did Wrong
Capital One isn't being penalized for simply selling or suggesting payment protection plans and credit monitoring services. It's the way the company's customer service reps sold services that got them in trouble with CFPB.
According to the CFPB, Capital One misled customers about the benefits of the services, failed to inform customers that the services were optional, failed to inform certain consumers they were ineligible to receive benefits of the services, misled to think the services were free, and enrolled without consent.
In addition, Capital One made it difficult and impossible for some cardholders to cancel services.
Other Penalties
In addition to the $140 million penalty, Capital One is required to pay a $25 million penalty to the CFPB. The card issuer is also not allowed to market these products until they submit an acceptable compliance plan to the Bureau.

Source:

Are you an Amex Card Holder? Read this..American Express to Pay $85M to 250K Consumers

This is a great article. If you are an American Express cardholder, you should definitely read this article.

American Express to Pay $85M to 250K Consumers

By , About.com Guide

The Consumer Financial Protection Bureau means business. After ordering Capital One to refund $140 million to consumers and Discover to refund $200 million, the CFPB has ordered American Express subsidiaries to refund $85 million to approximately 250,000 consumers.
American Express is considered to be one of the most prestigious credit card issuers. While their settlement involves lower dollar amounts and fewer consumers, the charges seem a lot more severe.
The Bureau decided American Express did several things wrong over the span of several years.
American Express subsidiaries promised a $300 reward to some consumers who signed up for the American Express Blue Sky credit card. However, the bank failed to give the $300 bonus. The CFPB requires this bonus to be paid to eligible cardholders.
In some cases, consumers were charged a late fee above the legal maximum of $25 ($35 if late two times in six-month period). CFPB is requiring American Express to reimburse the late fees plus interest.
They also violated the Equal Credit Opportunity Act by using age as a factor in a credit scoring system but failing to apply the system to applicants over age 35.
American Express subsidiaries led some consumers to believe they could improve their credit by paying old debts when the accounts were actually beyond the credit reporting time limit, which is seven years for most kinds of debt. Your credit score isn't influenced by paying debts that are no longer being reported. The CFPB now requires American Express to notify consumers when they're collecting a debt that is too old to be reported to a credit bureau.
Some consumers were told they could accept a settlement offer and have their debt forgiven. However, the debts were not actually forgiven and consumers were later denied an American Express card because of it. To these consumers, American Express has to pay $100 and send a pre-approved credit card offer. Consumers who already paid a settlement to receive a credit card will receive a refund of that debt paid plus interest.
American Express will also have to pay $27.5 in penalty fees to the CFPB, the FDIC, the Federal Reserve, and the Office of the Comptroller of the Currency.
If you are eligible for a refund, you don't have to do anything. The refund will be made automatically as a credit to your existing American Express account or a check mailed to you.

From the time you miss your first credit card payment, you trigger a series of actions that could be hard to stop. If you think you're having a hard time making your payments now, wait until you're three or four months past due. It might be impossible to catch up then.
Here's what you can expect to happen When You Stop Making Credit Card Payments. As you read through the list, you won't see anything good and it might be worse than you expected.
If you foresee trouble making your credit card payments, explore your options before your due date passes. Once you're past due, some options disappear. For example, you won't qualify for a low interest rate balance transfer once a late payment shows up on your credit report.

Source:

Debt Load Worksheet

Trying to reduce your Debt, Here are some printable Worksheets.

Frugal Living Debt Load Worksheet


Ebates Rewards Website

I used to be a loyal shopping at the Brick and Mortar branches of my favorite stores. Over the last couple of years my responsibility have increased, automatically decreasing my time to shop. My bargaining skills have also increased with my growing family. Shopping online enables me to save time and money.

Rebate websites has been huge. I have saved hundreds of dollars over the past 5 years. It is a great way to get discounts on items that rarely go on sale. In addition to sale prices and other coupons or coupon codes applied to your order.

The first Rebate program that I joined was Ebates.





If you are not a member click Here to join.

Background on Ebates:

The sign up process is super quick, takes less than 15 seconds to sign up, and they’ll even give you a $5 bonus *just* for signing up!

To sign up now, click HERE. It’s FREE!
Once you’re signed up it’s easy and FAST to use.
  • First go to Ebates and find the link for the store that you want to shop at. You can search by store or category.
  • Click on the link, and you’ll be directed to the store’s homepage.
  • Shop as you normally would and a few days later you’ll see the cash back show up in your account.
  • That’s it!  It’s very easy!
Four times a year (2/15, 5/15, 8/15 and 11/15), Ebates will issue you a payment with all of the cash back that you earned. 
They’ll mail you a check or deposit your money into your PayPal account…your preference. If you have a balance of at least $5.01 or more in cash back for the previous quarter, you’ll receive a payment.