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Google Plus Class Action Settlement: Up to $12 Cash Payment

I received an email that Google settled a class action lawsuit claiming that the now-defunct Google+ social media service exposed your personal data in a harmful manner. You can submit a claim here, where you must attest to all of the following:

  • I was a user of the consumer Google+ service while a resident of the United States at some point during the period from January 1, 2015 to April 2, 2019.
  • I entered private (meaning non-public) information in at least one of my Google+ profile fields that was not set to be shared publicly; and
  • Either I shared that information with another Google+ user through the Google+ service or I authorized an app to access my Google+ profile field information.

The maximum award is $12 cash, depending on the total number of claimants: “Class Members who submit a Valid Claim may receive a pro rata share of the Net Settlement Fund up to a cash payment of $12.00 depending on the number of claimants.” They will ask for name, address, and e-mail address. You can opt for payment via PayPal or ACH transfer (must provide bank routing and account numbers). According to the site, it looks like there will be $7.5 million set aside for claims, attorney fees, etc. Claim must be submitted no later than 10/8/2020.

Chase United Explorer Card Review – 60,000 Miles Offer + Annual Fee Waived First Year

60k limited-time offer. The United Explorer Card is a Chase-issued credit card that offers unique perks on United Airlines including free checked bags and expanded award seat availability for redeeming miles. Right now, the offer is a higher 60,000 bonus miles (previously 40k) with the annual fee waived during the first year. Here are the highlights:

  • 60,000 bonus miles after $3,000 in purchases in the first 3 months.
  • Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • Up to $100 Global Entry or TSA PreCheck Fee Credit
  • Priority boarding + 2 United Club one-time passes every year for your anniversary.
  • 2X miles at restaurants and on hotel stays.
  • 2X miles per on purchases from United.
  • 25% Back on United inflight purchases (Wi-Fi, Food and Drinks).
  • No foreign transaction fees.
  • Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.
  • Use your miles for any seat, any time, on any United flight.
  • Annual fee waived for the first year, then $95.

Keep in mind the following terms and conditions:

This product is available to you if you do not have this Card and have not received a new Cardmember bonus for this Card in the past 24 months.

This card is very focused on making it a better experience to fly on United. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The bag fee is usually $30 per person, each way, so that adds up to $120 each roundtrip. Before you board, you might use one of your free United Club lounge passes. You also get Priority Boarding, which helps you find space for your carry-on. While onboard, you get 25% back on your inflight purchases of WiFi, food, and drinks.

Expanded award seat availability. You earn United miles for all your purchases (double miles on restaurants and hotel stays), but then they also make it easier for you to redeem those miles on Saver level tickets with no blackout dates. Expanded award seat availability is another of the top perks from this card, and I’ve found a very significant difference when searching. If you’re constantly trying to find economy tickets for the entire family like me, this is a big deal. Saver Award ticket redemptions start at 12,500 miles one-way within the continental U.S. and Canada.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On most other consumer cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.

Bottom line. The United Explorer Card offers great perks for folks that fly United even just once or twice a year. The card provides lounge passes, a free checked bag, priority boarding, and inflight discounts. There are bonus categories to earn more miles, and special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for flights. Right now, the offer is 60,000 bonus United miles with the annual fee waived during the first year.

I’ll be adding this higher offer to my list of Top 10 Best Credit Card Bonus Offers.

Kneading Dough Podcast: Athletes Talk Openly About Money

Another podcast that I discovered late is Kneading Dough, where famous athletes sit down and talk openly about their finances. Created by UNINTERRUPTED (founded by Lebron James and Maverick Carter) and sponsored by Chase, guests over the three … [Read the rest]

Amazon Prime Video: Watch Select TV, Get $5 Cheez-It Credit + $5 Prime Video Credit

Getting compensated to watch TV with Cheez-its and more TV = horrible on multiple levels, or dream come true? The time commitment of 5 hours is way too long if you weren't going to watch these movies already, but I do like Cheez-Its, I did want to … [Read the rest]

SoFi Money $50 + $75 Bank Bonus, $50 Stock Bonus, 10% Cashback Promo

Updated bank bonus details, 10% cash back categories still active. If have you a SoFi Money account, don't miss that they are offering earn 10% cash back on select Grocery: Whole Foods, Trader Joe’s, Instacart and Subscriptions: Netflix, Disney+, … [Read the rest]

Fidelity Spire Saving App, Fidelity Go Roboadvisor Pricing Changes

Fidelity is gradually moving into the areas previously catered to by startups like Betterment and Wealthfront. Younger customers, more mobile features, lower fees, etc. It was only a matter of time, but now we will have to see which big brokerage … [Read the rest]

Marcus Bank AARP 0.10% APY Rate Boost, CD Special, Free AARP Membership

This is a multi-part deal, but you may already have some of these accounts. Marcus is the online banking arm of Goldman Sachs. AARP members are eligible for two member benefits at Marcus: 0.10% APY rate increase to the Online Savings rate … [Read the rest]

BBVA $250 Bank Bonus: $200 Checking + $50 Savings

BBVA has a new $250 bonus promotion, with a $200 bonus for opening an Online Checking account and receiving a qualifying direct deposit of $500+ by October 31, 2020. Get an additional $50 bonus by adding an Online Savings account and having a savings … [Read the rest]

Amazon Pay with Chase Ultimate Rewards Points, Get $15 off $50 (Targeted)

New version of promo, check if eligible! If you have Ultimate Rewards points from Chase credit cards, you can use them to buy eligible items at Amazon.com. The redemption rate is 1 Ultimate Rewards points = 1 cent at Amazon, which is the same rate … [Read the rest]

Internet Archive / Open Library: Borrow Hard-to-Find Books For 1 Hour

The Internet Archive (IA) is a non-profit digital library with the stated mission of "universal access to all knowledge." They have a lot going on, from the Wayback machine that archives websites (including this one) to old video games to TV shows … [Read the rest]

The Case For Only Looking At Your Portfolio Balance Once A Year

There are many excellent insights within Fooled by Randomness: The Hidden Role of Chance in Life and in the Markets by Nassim Nicholas Taleb. A useful everyday tip is that you should accept that you have behavioral biases and that they don't go … [Read the rest]

Chase Freedom Unlimited Review – $200 Cash Bonus + 5% Back on Groceries (Up to $600 Cash Back in First Year)

New limited-time offer. The Chase Freedom Unlimited Card is a no-annual-fee rewards card which earns a flat 1.5% cash back on all purchases (or a possibly more valuable 1.5 Ultimate Rewards points per dollar spent). This is a different card from the … [Read the rest]