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Pizza Hut Camp Book It! Kids Summer Reading Program

Some of you may remember the Pizza Hut “Book It!” program during your elementary school years that encouraged reading using free pizza as a reward. Well, it still exists in the form of Camp Book It!:

Parents, join us for our first ever Camp BOOK IT! and keep rewarding your kids all summer long. Track and reward your kids’ reading for June, July and August in our digital dashboard. When they meet their monthly reading goal, they’ll receive a free one-topping Personal Pan Pizza® from Pizza Hut! We’ll also share fun activities and book recommendations each week to keep the fun going throughout the summer!

This program is usually for homeschooling parents during the academic school year, but is open to all age-eligible children during the summer:

You must be one of the following: a parent homeschooling your own children in Kindergarten through 6th grade (ages 5-12 years old) as of September 1, 2020 for the October to March program OR a parent enrolling your own children in Kindergarten through 6th grade (ages 5-12 years old) as of September 1, 2020 for the summer program.

After signing up, I found that this program is much less involved than the one we signed up for at our local library, which requires us to log the book title, author, and time spent reading for each day. For Camp Book It, there is a simple daily counter. You can even count the days retroactively if you sign up in the middle of the month. Once you reach 20 days of reading in one calendar month (our goal is 20 minutes per day per child), you complete the goal and a prize code will be emailed to you.

I like that they give out little Personal Pan Pizzas as they are a novelty to our kids, making it feel like a special reward that they earned. Read books, earn free pizza, that’s my kind of deal!

Target REDcard 5% Off, $40 off $40+ Purchase For New Approvals

Updated. In my area, Target currently has the best setup for ordering via app and picking up at the store. No markups, well-organized, dedicated parking area, and minimal waiting. Walmart was a mess, and so was the grocery store. We were always missing something and/or were given someone else’s items. Here’s a quick update on ways to save at Target.

Newly approved REDcard applicants can currently receive a coupon good for $40 off $40+ purchase (valid in-store or online) along with their new card in the mail. Restrictions listed below. Apply online or in-store from 7/12-7/25.

The Target REDcard offers an ongoing 5% off all Target purchases both online and in-store (Target gift cards excluded, in-store Starbucks included) and free 2-day shipping on qualifying items. Available as either as a credit card or debit card. The REDcard debit card version connects directly to a designated checking account. Instead of a credit check at one of the 3 major bureaus, a reader reports that Target uses SageStream (formerly ID Analytics) for debit cards, another consumer reporting agency.

Target also has a Circle rewards program that offers 1% cash back, but only on non-REDcard purchases (no stacking, bummer). They will also offer various discounts and coupon that are targeted to you. You need to opt-in in order for them to track your purchases.

You can earn 1% to redeem at Target later when you use non-RedCard payment types on eligible purchases. (To earn 1%, a RedCard can’t be used for any portion of the purchase.) Just scan Wallet in the Target app or enter your mobile number in store, or make a purchase online. Restrictions apply.

Here’s the list of restrictions on that $40 off $40 coupon.

RedCard $40 offer: Get a coupon for $40 off a $40+ qualifying purchase when you are approved for a debit or credit RedCard in-stores and at Target.com between 7/12/20-7/25/20. The coupon will be mailed to approved cardholders with their RedCard and will be valid through 8/29/20. Excludes items sold & shipped by Target PlusTM Partners, alcohol, Apple products, Barbie Dreamhouse, Bose, Casper, clinic & pharmacy, dairy milk, DockATot, Disney Frozen Castle, DSLR cameras & lenses, Elvie, Fitbit, gift cards, Google, HALO baby, Hasbro games (Classic Monopoly, Connect Four, Jenga, Rubik’s Cube, Sorry, Trouble), Hot Wheels id, HP, Infant Optics, JBL, LEGO, Levi’s Red Label, LG OLED TV, limited-time designer partnerships, Mega Bloks, mobile contracts, Motrin pain relief, Nerf Ultra, Nintendo hardware and Switch games, Polder, Peg Perego, Philips Avent, power shave, power dental, Harry’s and Flamingo, prepaid cards, PS4 hardware, Samsung TVs, simplehuman, Sonos, Sony electronics, Target Optical, Thomas and Friends Wood, Traeger, Tylenol pain relief, 23andMe, Weber, and Xbox One hardware.

Protecting Your Portfolio From Hyperinflation, Deflation, Confiscation, and Devastation

The third book in the "Investing for Adults" series by William Bernstein is Deep Risk: How History Informs Portfolio Design. As before, I'm just trying to pull out a few practical takeaways rather than summarize the entire book. In Book 1: The … [Read the rest]

Free Social Security Tool for Optimal Benefit Claiming Strategy

Update: The free Open Social Security tool has been updated to include a new "heat map" visualization that illustrates the relative values of claiming Social Security at different ages. Details here. Here is a sample graph for a couple with … [Read the rest]

3 Months of SiriusXM Streaming + Echo Dot For $1

Here is a SiriusXM promotion link where you can sign up for a free 3-month trial of either their Essential or Premium streaming tiers (includes Howard Stern) and also get an Amazon Echo Dot (3rd Gen) smart speaker for only $1. After signing up, … [Read the rest]

Best 0% APR Balance Transfer Credit Cards – July 2020

Updated. I enjoy my credit card rewards, but they simply aren't worth it if you are carrying a balance at 18%+ interest! If you are ready to pay down that debt, consider transferring your balance to another issuer at a lower rate. Shopping around … [Read the rest]

Top 10 Best Credit Card Bonus Offers – July 2020 (Updated)

Updated July 2020. I'm still collecting points and miles and maximizing the value of my credit card spending. Things are quiet as credit card issuers get conservative, but that just means picking up some slightly lesser bonuses that I passed over … [Read the rest]

Top 10 Best Small Business Credit Card Bonus Offers – July 2020

Updated July 2020. Do you have small business income or work as an independent contractor? Uber/Lyft, Amazon, eBay, Etsy, Airbnb? You are eligible to open a small business credit card, which keeps your personal and business expenses separate. … [Read the rest]

Healthywage Review: Bet on Yourself, Get Paid To Lose Weight ($100 Prize Bonus)

($100 Prize Boost is back! Click this special link for $100 Healthywage Prize Boost for a limited-time until 7/13. $100 is the highest bonus that I've ever seen them offer, and it is only this high a few short times a year. This can effectively … [Read the rest]

Bask Bank Review: Earn American Airlines Miles As Interest (5,000 Mile Referral Bonus)

Updated with my own experience and new referral bonus. Bask Bank is a FDIC-insured savings account that pays you American Airlines (AA) miles instead of cash interest. Every $1 earns 1 mile a year. For example, $1,000 kept for a year would earn … [Read the rest]

Best Interest Rates on Cash – July 2020

The Fed rate is still at zero, which has bought us back to the time when anything above 2% APY is newsworthy (and there ain't much news). The only reason to pay attention is that being willing to switch bank accounts can still beat out Treasury … [Read the rest]

The Money Hamster Wheel, Part 2: Multiple Solutions, Not Just More Money

In Part 1: Identifying the Problem, I shared Lawrence Yeo's unique take on money and the hamster wheel metaphor, where we just keep spinning and can't get off. Since then, I have thought more about how best to slow things down by instead attacking … [Read the rest]