Target Mobile Coupon Text Codes: $10 off $50 in Food Purchases & More


targetgroceryAttention Target shoppers… Target is offering some special coupons if you text specific messages to them at 827438 (TARGET). They’ll reply with a link to a unique coupon code that you just show the cashier on your smartphone. This week there is a pretty good $10 off coupon if you spend $50 on food and beverage purchases, and then I got sucked down the rabbit hole and wanted to find all the other available codes (even though I’m really not an avid coupon person). Here are all of them that I could find:

  • Text GROCERY to 827438 for a $10 off $50 coupon good on food and/or beverage purchases. Excludes alcohol, baby food, nutrition shakes and bars, pet food, Target Cafe and Starbucks Cafe. Expires 4/19/14. (GROCERY2 works as well.)
  • Text OFFERS to 827438 for a link to sign up for future coupons offers on your phone. Obviously, this means you’ll get ongoing marketing messages from Target. Up to 5 texts per month.
  • Text BABY to 827438 for a link to sign up for Target Baby Alerts. New subscribers get 10% off your first online baby order (excludes clearance items, diapers, wipes, training pants, and formula). Up to 6 texts per month.
  • Text APPAREL to 827438 for a $5 off $25 coupon good on Apparel and/or accessories purchase. Men’s, Women’s, Kids all included. Expires 4/19/14.
  • Text RECIPE to 827438 for a bunch of various food-related offers (this week $2 off $5 fresh fruit purchases, $1 off various easter and Target Pantry items). Expires 4/20/14.
  • Text SPRING to 827438 for a bunch of various offers (this week food, detergent, toilet paper, diapers). Expires 4/23/14.
  • Text THANKS to 827438 for a bunch of various offers (looks very similar to SPRING code above). Expires 4/23/14.
  • Text BAREURHAIR to 827438 for a bunch of various grooming-related offers (razors, shampoo, toothpaste). Expires 4/23/14.

Messaging and data rates may apply. Text STOP to 827438 to end. All the coupons say “Limit one identical coupon/offer per guest, purchase total must be met for each coupon/offer individually.”

Some of these coupons you can just find on their Weekly Ad coupons page.

Free PDF of Rich Dad Poor Dad Book


richdadRich Dad, Poor Dad by Robert Kiyosaki and Sharon Lechter is probably one of the most controversial best-selling personal finance books out there. Some people love it, others hate it. I am bringing this up because until 4/13 you can download a PDF of the book for free at Specifically, you have to sign up for an account with your name and e-mail. Unless you really want a lot of spam, I’d use a disposable or temporary e-mail address. After verifying the e-mail I was able to download the PDF without issue.

I read and reviewed Rich Dad, Poor Dad in 2005, and while I do admit the book has many flaws I guess I still have a little nostalgic soft spot for it. Somehow his message of buying assets with your hard-earned money and not liabilities connected with a lot of people. Don’t get me wrong though – having read three other Kiyosaki books and listened to an audio CD series, my opinion is to skip everything else Kiyosaki sells! Just read the original. Don’t buy any other books or products, and please please don’t pay for a get-rich-quick seminar.

American Express Twitter Promotions (Updated)


twitter-bird-white-on-blue(New offer for $20 off $100 at Staples (gift cards eligible). Get a one-time $20 statement credit by using your connected Card to spend a total of $100 or more in-store or online at by 4/30/2014. Tweet #AmexStaples. Details. Staples sells a variety of gift cards, I’m going with Home Depot myself.)

American Express and Twitter continue to have some unique discounts for specific stores. You may also be able to access these discounts via the AmEx smartphone app or by logging into your account and scrolling down to the “Offers For You” tab, but I’ve found Twitter to be the most reliably available to everyone with an account. Highlights include:

  • Lowes Home Improvement. Get a one-time $10 statement credit by using your connected Card to spend a total of $50 or more on qualifying purchases at Lowe’s by 5/31/2014. Lots of gift cards at Lowe’s as well. Tweet #AmexLowes.
  • BP Gas. Receive a one-time $5 statement credit when you make a single purchase of $30 or more at a BP pump by 5/31/14. Tweet #AmexBP.
  • Sports Authority. Get a one-time $10 statement credit by using your connected card to make a single purchase of $50 or more in store at The Sports Authority by 4/30/14. In-store and phone orders only. Tweet using #AmexSportsAuth.
  • Petsmart. Get a one-time $5 statement credit when you spend a total of $25 or more at PetSmart by 4/30/14. Tweet #AmexPetSmart.
  • Receive a one-time $5 statement credit by using your enrolled Card to spend a total of $25 or more online at by 6/16/2014. Online only. Tweet #AmexPetco.
  • Get a one-time $30 statement credit by using your connected Card to spend a total of $150 or more on qualifying purchases online at by 5/31/2014. Tweet #AmexZappos.
  • Crate & Barrel. Get a one-time $10 statement credit by using your connected card to spend a total of $50+ on qualifying purchases at Crate & Barrel by 5/22/14. Tweet #AmexCrateBarrel.

(I also got a $5 off $5 at iTunes under my “Offers For You” tab that isn’t available on Twitter.)

The best way I’m aware of to keep track of new hashtags is via the Favorites list for @AmericanExpress.

Haven’t signed up yet? Link your American Express card and Twitter account at You can also link up your Facebook and Foursquare accounts for similar (usually identical) offers. If you wish to change your linked card (useful to checking which one is linked), go to

Finally, don’t forget to follow me @mymoneyblog!

Free Starter Personal Finance Book: How Millennials Can Get Rich Slowly


ifyoucanbookWilliam Bernstein, author of several books on investing, has recently released a short book targeted at giving young folks a primer on saving for retirement. The title is If You Can: How Millennials Can Get Rich Slowly (Amazon link for the reviews). It costs the minimum 99 cents there, but you can also download it for free in PDF, MOBI ebook, and Amazon AZW3 formats. From his website:

For years I’ve thought about an eleemosynary project to help today’s young people invest for retirement because, frankly, there’s still hope for them, unlike for most of their Boomer parents. All they’ll have to do is to put away about 20% of their salaries into a low-cost target fund or a simple three-fund index allocation for 30 to 40 years. Which is pretty much the same as saying that if someone exercises and eats a lot less, he’ll lose 30 pounds. Simple, but not easy.

Not easy because unless the millennials learn a small amount about finance, they’ll fall victim to the Five Horsemen of Personal Finance Apocalypse: failure to save, ignorance of financial theory, unawareness of financial history, dysfunctional psychology, and the rapacity of the investment industry.

The book is only 27 pages long, but there are also several “reading assignments” of other books to complete your education. Those other books are not free but they have all been around long enough that it shouldn’t be too difficult to borrow a copy from your local library.

Free eBooks on Real Estate Investing and Renting Out Your House

biggerbook is a popular discussion forum for real estate investors. Founder Joshua Dorkin and Senior Editor Brandon Turner have also written a couple of books about the subject. For a limited time, they are free in Amazon Kindle format.

I have not read either book (yet). According to the Amazon reader reviews, it looks like there is some solid beginner information inside both books along with numerous references back to their BiggerPockets website. I believe the first book is also available as pages on their website but it may be easier to read this way.

Download the books now while it is still free and read them later. As a reminder, you can read Kindle books on a web browser, Mac or Windows computer, tablet, or smartphone.

5% Cash Back Credit Cards: Rotating Categories Update 2014


2nd quarter activation now open for all cards. The cards below offer a hefty 5% cash back on certain categories that rotate each quarter. With a little extra attention, I can easily rack up hundreds of dollars in additional rewards per year without otherwise changing my spending habits. Sometimes this involves buying Amazon gift cards at stores offering 5% back. None of these have an annual fee, so it costs me nothing to keep them around. New cardmembers often also get an initial sign-on bonus.

Chase Freedom CardChase Freedom®
From April 1st through June 30th, 2014 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Restaurants
  • Lowe’s home improvement stores

Enroll each quarter at, it’s quick and as long as you activate by the end of the quarter the rewards are retroactive. All other purchases earn 1% back, with no tiers or expiration of rewards. Currently, the Chase Freedom® card is offering a $100 bonus cash back if you sign up and make just $500 in purchases in your first three months and a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period. No annual fee.

Citi Dividend Platinum Select Visa CardCiti® Dividend Platinum Select® Visa® Card
From April 1st to June 30th, you can earn 5% cash back from Citi on eligible purchases at:

  • The Home Depot
  • Home furnishing (classified as merchants that primarily sell furniture for homes. IKEA has counted for me in the past with Citi)
  • Home and garden stores (classified as merchants that primarily sell plants, flowers and related items and include florists, nurseries or landscaping service providers.)

Login into your online account or call 1-800-231-0891 to activate the rewards each quarter (starts upon activation, not retroactive). The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer.  See Citi Dividend Card Reward Program Information. Full 1% cash back on all other purchases and eligible cash advances and rewards do not expire as long as you have activity once every 12 months.

Currently, the Citi® Dividend Platinum Select® Visa® Card has a promotion offering $100 cash back after $500 in purchases within the first 3 months of account opening. 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness. No annual fee.

Discover it cardDiscover It® Card (new, better card!)
From April 1st to June 30th, you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Home Improvement Stores (including Home Depot and Lowes)
  • Furniture Stores (IKEA has counted for me in the past with Citi)
  • Bed Bath & Beyond

Login into your online account to activate the rewards each quarter (starts upon activation, not retroactive). The new Discover It® card now has a flat 1% cash back (no more tiers), free FICO score every month, late-payment forgiveness, and direct-to-human, 100% US-based customer service reps. No annual fee. (If you have an old Discover More card, you should call in and convert it to a Discover It card for free and get the new perks.)

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

Amazon Mom 3-Month Trial + 50% off Diapers

Amazon Mom is a program that has some nice perks for parents (open to anyone… mom, dad, grandparent, or caretaker). The main draw is the 20% off diapers & wipes (5% Subscribe & Save discount + 15% Amazon Mom discount) and the fast shipping.

If you already pay for Amazon Prime at $99 a year, you can sign up for Amazon Mom for free. New Prime/Mom members are eligible for a 3-month free trial of Prime (must not have had free trial previously on your account) where you’ll also get the free 2nd-day shipping of Prime but not the video streaming or free Kindle book borrowing. Canceling is easy, you can even cancel the trial ahead of time while still getting the remainder of your 3 months.

Right now, new Amazon Mom members with free or paid Prime who join between March 27, 2014 and April 10, 2014 get 50% off their first pack of eligible diapers. You can still use Subscribe & Save to lower the price even more. Details in link.

Discover It Card Review: Improved, 5% Cash Back Categories, Free FICO Score


discover2014q2(2nd Quarter activation open. I just logged on and noticed that you can now register to get 5% cashback on up to $1,500 in purchases in Home Improvement Stores, Furniture Stores, and Bed Bath & Beyond from April to June 2014. 5% rewards start only after activation each quarter and are not retroactive, so sign up now by logging into your account online.)

Scrappy little Discover is trying something bold. They’ve chucked everything and started fresh with only one card – the new Discover it® Card. (Yes, lowercase, don’t ask me why.) No longer promoted are the Discover More, Motiva, Open Road, Escape, and Miles cards.

In fact, you may want to convert your old Discover card to this one. The new card is a definite improvement over the old products, with many positive changes in direct response to the competition. Here are the highlights:

  • 5% cash back on rotating categories. My favorite feature. As with the Discover More card, you’ll get 5% cash back from select categories each quarter. From April to June 2014, get 5% cashback on up to $1,500 in purchases in Home Improvement Stores, Furniture Stores, and Bed Bath & Beyond.
  • 1% flat cashback on all other purchases. Previous cash back cards had an initial tier that only gave you 0.25% cash back on the first $3,000 in purchases, and then 1% after that. They’ve finally matched competitors and went for 1% flat.
  • Free FICO score every month. You get a free official FICO score, updated every month, shown on your billing statement.
  • Late payment forgiveness. There is no late fee for your first late payment, and your APR won’t automatically increase either. You can also pay-by-phone for free, up to midnight Eastern on your due date. We all make mistakes, so this is a nice addition.
  • Human. 100% U.S.-based customer service available any time. Guides a free, personalized online tour to help you get the most rewards for how you use your card. Instead of an intentionally-complicated robot phone tree, you can now select at any time to go straight to a human. I’m a little bummed that this has to be touted as a feature, but sadly it is…
  • No annual fee, no fee for going over your limit.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.  A fee of 3% applies for each balance transferred.
  • No foreign transaction fee. Discover is not accepted very widely in Europe, although it works anywhere you see the Diners Club International Logo. However, it is one of the best cards for Asia, especially China and Japan. You can use your Discover anywhere you see a China Union Pay, JCB, or Diners Club International logo.
  • Silly things. Things that shouldn’t matter, but still might. The card arrives via UPS/FedEx mail in a sleek-looking box. The card front is made to look like brushed stainless steel with no raised embossing – your name and card number are only on the back. I wonder where they got that idea?

Is it really a game-changer? Well, no. It’s not quite “one card to rule them all”, but it does combine the good bits from several other popular cards (Chase Sapphire, Chase Freedom, Citi Simplicity) to create a competitive offering. I like the 5% categories that are usually pretty broad and useful.

Discover is still the underdog to American Express/Visa/Mastercard, but it has its own perks. There are bonuses above cash back value for certain gift card redemptions. Their ShopDiscover cashback portal also often has the highest percentages for online shopping merchants, like 10% at Sears, better than eBates and such. Finally, Discover card has a lot of consumer features like return protection and an extended warranty that extends the manufacturer’s warranty for up to an extra year.

Basically, this Discover card is certainly improved and a worthwhile addition to your wallet, although rewards geeks like myself probably won’t it the only card in our wallets. ;)

Existing cardholders. I have not gotten any communication from Discover that my existing cards will be converted to an “it” card automatically. Readers report that if you call them up, they will convert you to the new card manually for free. You get to keep your same card number and thus credit history. Certain people with annual fee miles-type cards or those doing a 0% balance transfer promotion may prefer to stay, but again I think this card is definitely better than the plain Discover and Discover More cards.

American Airlines Free Bonus Miles – Facebook Required


aapassAmerican Airlines has a new AAdvantage Passport Challenge where you can earn free bonus miles for various small activities:

  • Play trivia and other games to earn up to 700 miles
  • Share and complete social actions to earn up to 350 miles
  • Take flights to earn over 9,000 miles

You’ll need a Facebook account, but it does present a good way to reset your miles expiration date at no cost. AA miles currently expire after 18 months of inactivity.
You should get 50 miles just for the Like, but I also did the first quiz “New American Trivia” to make sure I get some miles. You get less points if you missed questions, so here are answer hints:

  • More 330 locations, more than 50 countries.
  • Last 4 airports are Chicago O’Hare, Charlotte Douglas, Philadelphia and Phoenix.
  • American Eagle
  • All of the above.

Update: I did the 2nd tail fin quiz too. They were the same for both of our accounts, so here you go: 323 121 322 132.

That was the low-hanging fruit, I skipped the rest for now. Per the terms and conditions, “Bonus miles will be awarded within 3-4 weeks after the promotion period has ended”.

Citi® Hilton HHonors™ Visa Signature® Card – Limited Time Offer


citihilton180emvCiti has a new limited-time promotion for its Citi® Hilton HHonors™ Visa Signature® Card. The sign-up bonus has been improved by 10,000 points and a $50 statement credit over their standard offer. This offer is only available on a handful of sites, not even on

  • LIMITED TIME: Earn a $50 statement credit after spending $50 on your first stay at any hotel and resort within the Hilton HHonors Portfolio during the first 6 months of cardmembership as well as 50,000 Hilton HHonors Bonus Points after $1,000 in purchases within the first 4 months of cardmembership.*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio. *
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations. *
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases. *
  • No annual fee.*

*Click for additional pricing and to learn more.

Due to the way the bonus is structured, this card is really best for people who at least occasionally stay at Hilton hotels (as this card is also giving you a bunch of points and complimentary Silver status to try and get you to become more loyal). Hilton HHonors points are worth the most when redeemed for a hotel stay, as there aren’t really that many great cash-equivalent redemption options. You can use this search tool to see how much a hotel will cost in any specific area (i.e. Honolulu or Paris).

This card has no annual fee. If you are willing to pay an annual fee in exchange for a bigger bonus and better ongoing perks, check out the Citi Hilton HHonors Reserve Card.

Uber Car Service Promotion Codes: Free $$ Ride Credits


(Updated. $20 referral credit extended indefinitely. Code stacking may have been disallowed. UberX also announced price cuts in 36 cities, making them 25% cheaper than taxis in many instances.)

Uber is a service that allows you to summon a ride via a private car or taxi using just your smartphone. All payment including tip is put on your credit card via the smartphone app, making it a cashless transaction. Your smartphone knows where you are, so you can tell how far away the nearest car is as well as estimate your total fare ahead of time. There are a few different flavors (from cheapest to most expensive): UberX, UberTAXI, UberBLACK (black town car), UberSUV, UberLUX.

Right now new users can get stack a few promotions to get $45 in free ride credit plus 20% off a single ride.

  1. Free $20 credit by signing up for a new account using this invite link: This is double the usual offer for a limited time, and contains my personal referral code uberMYMONEYBLOG for which I’ll get $20 in credit after your first ride.
  2. Next, log in to your account at and click on the “Promotions” link on the top-right menu. Type in the promotional code HIPMUNK and that should get you $25 off your first ride. Valid for all Uber flavors except taxi. Must be used by May 1st, 2014. You can still try, but I am told Uber has stopped allowing multiple codes on accounts.
  3. Expired – Use the code UBERTPG20 for 20% off any one trip that you take by January 13th. This last one is even good for existing users.

Kapitall Brokerage Promotion: $100 Bonus for $1,000 Deposit


kapitallKapitall is basically a brokerage with a user interface like a video game. Their motto is “Drag, Drop, Trade. It’s that simple.” I don’t think the idea of equating stock trading with a game is a good lesson for long-term investors, so I’m not a big fan. In general, the more a person trades, the lower their returns.

However, Kapitall is offering a up to $200 bonus promotion that is worth mentioning. New customers who open and fund an account by March 31, 2014 can earn the following:

  • Deposit $50-$999, get $50.
  • Deposit $1,000-$9,999, get $100 and 1,000 Kapitall Koins.
  • Deposit $10,000+, get $200 and 2,000 Kapitall Koins.

The $100 for $1,000 deposit is essentially a 10% bonus and I don’t see any minimum holding period or trade requirement. On a separate page. they do appear to add a 180-day minimum holding period for the initial deposit and one minimum trade. But if you want to withdraw your money, you’ll have to make a minimum of two trades (buy and sell).

$200 for $10,000 is only a 2% bonus but that’s still not a terrible risk-free return over 180 days when compared with current bank rates of 1% interest over a full year.

(Kapitall Koins are their form of reward points. As a reference, 2,000 Koins = 1 free trade worth $7.95.)

Fees and Commissions
Their commissions are $7.95 with no account maintenance fees and no inactivity fees. Paper statements and trade confirmations are $5 each so you should be sure to accept paperless statements. Here is the full fee schedule.

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