TopCashBack: Shopping Portal That Promises Highest Payout + $10 Bonus

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Updated with $10 bonus for new users. When you shop online these days, it’s become habit to search out a coupon or go through a shopping portal that gives a percentage back on purchases made through their links. Well, talk about a race to the bottom. Instead of rebating you part of their merchant commission, TopCashBack.com promises to rebate you all of it (and make money via ads on their website). In addition, they even have no minimum payout threshold. You wouldn’t think that would be a viable business model, but the company is already the #1 cashback site in the UK so apparently it works for them.

For example, get 0.5% back on eBay purchases and 12% back at GNC.com.

I just got an e-mail that for the next two weeks, new customers can get a $10 bonus once they reach $10 in earned cashback if they are referred by a new user (who also gets $10 if/when the new numbers reaches $10 in cashback). See full terms and conditions. I’ve been a member since 2012 and have already cashed out successfully multiple times. Here is my referral link for the $10 bonus. Thanks in advance if you use my link, and you can also leave your own referral link in the comments.

If you aren’t already a member, some other portals also offer sign-up bonuses:

  • eBates ($10 new user bonus after any $25+ purchase, $5 mininum cash-out)
  • Mr. Rebates ($5 new user bonus, $10 minimum cash-out)

Sometimes one of these sites may privately negotiate a higher payout temporarily, so TopCashBack may not always be the highest. Also, if you use miles or points, you may prefer getting 2 points/miles per dollar back as opposed to 2 cents per dollar back. For example, I’ve been warming up to the UltimateRewards Mall (must first have a Chase Sapphire, Chase Freedom, or Chase Ink card) as 1 Ultimate Reward point is worth 1.25 cents towards travel or converts to 1 United or British Airways mile.

ShareBuilder Promotion Codes: Free Stock Trades (Updated 2014)

Added another new code. Here are some promotion codes for ShareBuilder, a discount brokerage now owned by Capital One. Real-time trades are now $6.95 and automated trades are $4. They give out codes for various promotions, and like coupon codes they often work in your account even if you weren’t given the code directly. Sometimes they don’t though, so have reasonable expectations.

Don’t have an account yet? Get a up to a $600 opening bonus depending on your initial deposit size, and then add the promo codes below afterward. You can often double-dip on codes if you have both a individual account and joint account. Custodial accounts for kids are also available.

How To Use
To enter the codes into your account, log in and go to the Accounts tab > Overview > Profile & Settings > Enter Promotion tab shown below.

In the marked box, enter a code. If it works, you should see a confirmation that says something like:

Thank you for referring ShareBuilder to your friends! Your 2 real-time trades have been credited to your account and are available to use immediately.

Most recently updated codes

  • SWEEP2014 (1 free real-time trade, hat tip to reader Hog)
  • PLACETRADE14 (1 free real-time trade)

Codes added within the last year or so (possible success)

BDAY14Y (hat tip reader Sean)
SWEEP600 (1 free real-time trade)
BDAY14AU (1 free automatic investment)
3AIP
3AIP*GEJZOH

[Read the rest]

Baby Gear Reviews: Playards, Swings, and Baby Carriers (Part 1 of 5)

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As a father of a 2-year-old and 2-month-old, I am now an unquestionable expert on all things parenting (that's how it works, right?). Funny how parents can come off that way when in reality we live in constant fear of messing up our kids … [Read the rest]

Effect of Student Loan Debt on Homeownership Rate

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Multiple sources are suggesting that increasing student loan debt levels will have a significant impact on future housing prices because people will delay their home purchases (or put them off entirely). Although that seems like a reasonable … [Read the rest]

WiseBanyan Review: Free Portfolio Management Experiences & Screenshots

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Earlier this year I wrote about WiseBanyan.com, an online portfolio advisory service similar to Betterment and Wealthfront. WiseBanyan charges no advisory fees, no trading commissions, and have no minimum opening deposit. They will design, buy, … [Read the rest]

Bank of America Better Balance Rewards Card Review

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A couple of readers have asked me about the BankAmericard Better Balance Rewards credit card. It definitely has a unique rewards structure (full details): Earn a $25 cash reward for each calendar quarter in which all of your monthly payments … [Read the rest]

New Phased Retirement Program Details For Federal Workers

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I'm always interested in non-traditional retirement stories, and saw that the US government just released their final regulations on Phased Retirement for federal workers. Phased retirement in general refers to transitioning from full-time to … [Read the rest]

Why Didn’t Technology Create a 4-Hour Workday?

Technology is supposed to make our lives easier over time, but what is the reality? We may not spend all day hunting and gathering anymore, but we still work similar hours to our great-grandparents. From the paper A Century of Work and Leisure … [Read the rest]

How Reliable Is The Income Stream From Dividend Stocks?

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If you're trying to achieve early retirement, that means you have less time for compound interest and more time living off your investments. As a result, many early retirement investors like to own income-oriented investments like rental properties … [Read the rest]

Early Retirement Lesson #3: Home-Buying and Mortgage Advice

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Here’s another installment of what I would tell my kids about pursuing financial freedom (if they weren't still in diapers). Previous topics have included the importance of savings rate and whether to focus on earning more or spending less. This t … [Read the rest]

The Big Flavor Grill Cookbook: No Marinade, No Hassle Recipes (Book Review)

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Another thing I've been getting into this summer is grilling over 100% natural hardwood charcoal. My gateway drug was Alton Brown's Steak on Coals recipe. The smell and flavor brings me back to my childhood, even though technically that was a pile … [Read the rest]

Costco Meal Planner Service: 20 Family Dinners For $150

5dollardinners

I know it's still summer, but with two kids under two I've been trying to cook extra on the weekends and coast on the weekdays. This past weekend I made beef stew and pulled pork sandwiches in the slow cooker, and they turned out pretty good. … [Read the rest]