Tuesday, October 27, 2015

IPO's will soon be Available through Motif.com

IPO's Will Soon Be Available via Motif

I've previously written about the great opportunity of IPO's and everything you need to know about IPO's.

There are now 2 online companies that make IPO allocations available to the general public:

  1. Loyal3 
  2. Motif

I think that it's awesome that the general public now has opportunities to get IPO allocations. Motif.com is now making IPO's available through their platform for FREE. It appears that it will be very similar to Loyal3's platform. Motif may even have more IPO opportunities then Loyal3 as they are partnering with JP Morgan, which is one of the largest banks that brokers IPO allocations.

Who Cares?

Well, getting in on IPO allocations can be a great way to get a big jump in your investment short term. Here is my past experience with IPO's:

  • LendingClub (LC) -  $3,750 investment increased by 70%+ on day 1
  • Store (STOR) - $2,666 investment increased by 8%+ on day 1
  • Blue Buffalo (BUFF) - $4,300+ investment increased by 30%+ on day 1
  • GoDaddy (GDDY) - $7,800 investment increased by 30% on day1
  • First Data (FDC) - $20,000 investment decreased by 0.12% on day 1

Note: The above are a combination of 2 Loyal3 accounts. Some of these stocks are now in the negative. There certainly is risk in any investment and you shouldn't invest any money that you would be willing to lose or that you need. 

If you want to learn more about IPO's and my strategy for buying IPO's, read the article listed above.

Possible upcoming IPOs:


So What Do You Do Now?

  1. Sign up to Loyal3's IPO notification newsletter. Once you get a notification, reserve the max amount you can. You willl then have about a week to look into the investment further and decide if you want go through with it or not. If you do, then make sure the funds are available. If you do not want to invest, then don't fund your account or cancel your reservation. But, if you want to have the opportunity, you need to make a reservation as soon as you get the notification because allocations usually go fast.
  2. Motif - Same thing. First open up an account. Next sign up for their IPO email notification. Jump on the chance to reserve an IPO as soon as you get a notification. Research and decide if you want to go through with the reservation in the next few days. Bonus: Motif is actually pretty cool and right now you can get a $100 bonus when you open an account, fund it with a $1,000 and make a trade ($9.99) = Free $90 bucks! You have to use this link to get that bonus though. You could even make a trade and sell it right away if you did not want to keep the money in stocks.


Loyal3 First Data (FDC) IPO BUST

Loyal3 First Data (FDC) IP Bust

This past week I invested $20,000 in getting IPO share allocations of First Data (FDC) via Loyal3 trading platform. Up until this point, EVERY IPO that has been made available via Loyal3 has had a positive return on DAY 1....Until now.
It wasn't a huge loss, but it was a loss. It started up over 1%, but then quickly sank below the $16 IPO price. My strategy when purchasing IPO's is to sell the same day it goes, public unless I really, really like the stock. Whether it goes up or down, I am committed to sell on day one.
By the time the Loyal3 sell order went through the price was $15.92, so I lost just under $100 on this deal. It could have been worse, so I'm okay with the $100 loss. The risk/reward is usually worth it when purchasing IPO's.

Lesson's Learned when buying IPO's via Loyal3:

  • If the IPO is available on Loyal3 for a long time (a day or longer) then, that may mean there might NOT be strong interest in the stock. First Data (FDC) was available for a full day and the hotter IPO's usually will be unavailable within a couple hours.
  • If the price for the IPO is set lower then the price range initially given, this might also be another warning sign. You would think that it's a good thing if the price is set lower, but I think this is actually signaling lower interest in the stock, which will then NOT have as much hype and "pop" when it goes public. The price is set the day before the stock goes public. For First Data, the price range was listed on the prospectus as $18-$20. The final price set the day before going public was $16.
*These are just my personal observation

First Data (FDC), has been up and down $16 since it's IPO, but I'm still glad I sold on day one. I feel the risk of staying in with a company I don't have interest in is not worth the risk. This is just my strategy. Although, there is the school of thought that you should never invest in a stock, even for a minute, that you are not willing to keep for the long term (3+ years).

Even though First Data was a failure for me, I still think there is tremendous opportunity in acquiring IPO's.

What has been your IPO experience?


Wednesday, October 7, 2015

A few good deals

There are a few good deals going on that might be worth your time. Check them out!

Visa Checkout free $10 credit. 1) Create a new visa checkout account, 2) add your Chase Slate credit card (if you have one) and in 1-2 billing cycles you will get your free $10 credit. This took me 3 minutes to do. No purchase required. Limited to first 90k people. Ends Oct 31st, 2015.

Sams Club - Free membership...if you are pregnant or have a child under 1 years old. Call this number 1-888-746-7726, choose option #2 and then tell the representative you are calling for the New Mom membership offer. Warning: you may have to be on the phone for a while:(

Discover 20%+ off all purchases (up to 10k) when you use Apple Pay - I wrote about this a couple of weeks ago. You need 1) An apple device that can do Apple Pay, 2) A Discover credit card. This promotion goes until the end of the year, so there is still plenty of time to apply for a new discover card if you don't have one yet. Terms say that gift cards are excluded, but we'll see if that is actually the case. Still a good option for some extra savings during the holidays. Here's a list of stores that accept Apple Pay. You'll have to think about how you could use this offer...there are potentially very large savings here. However, DON"T get a credit card if it's going to make you spend more money:)

Coinbase - Free $10. 1) Sign-up for Coinbase using this link and then 2) fund the account with $100. Once the transaction goes through (about 1 week), you will be credited $10. Coinbase is a brokerage for bitcoin. Bitcoins are basically virtual currency that can be exchanged for most currencies in the world. There is a small fee when you buy/sell bitcoins, if the Bitcoin price stayed the same, you would make closer to $9. In the time it takes for your transaction to go through, the value of the bitcoin could go up or down just like the stock market. When I got mine, I sold the bitcoins the same day that the order went through. I wouldn't recommend holding onto your bitcoins once the transaction goes through. Just sell them.


These few deals don't take that long to do and could save/make you a nice bit of change. It's the little things that add up!


Monday, October 5, 2015

Cheapest Place to Buy Colored Contact Lenses for Halloween

Okay, so you want to have a sweet costume for Halloween...what better way to stand out with your constume then to have red, green, blue, yellow, pink black contact lenses. It's one of the easiest ways to make your constume look sweet. Heck, you could just wear the contacts alone and call yourself a vampire and it would be cool.

Alight, so this post is really about WHERE you can get these contacts for the CHEAPEST or best price. Because in reality, there are tons of companies that sell colored halloween contact lenses and they are all the same product. So I put in the time to research all all the companies to figure out where we can buy the best/cheapest contacts.

Here are the results:

Buy Halloween Costume Contact Lenses
ACLens.com $43.42

Halloweencolorcontacts-depot.com - $47

LensDirect.com - $47.90

Lens4vision.com - $49.99

America's Best Contacts - $69.98

So clearly ACLens.com is the winner. Enjoy your halloween!

Other notes:

  • You are supposed to have a prescription from an eye doctor even if you want "plano" or contacts without correction. Although some have reported getting an order filled without a prescription by simply filling in the prescription form.
  • Costume ideas: Vampire, zombie, walking dead, hulk, wolf,

Let me know in the comments if you know of other cheaper places to get Halloween colored contacts.


Wednesday, September 30, 2015

Get a $5 Walgreens gift card with purchase of 2 Vanilla Visa Gift Cards

With the possible 20%+ cash back promotion going on with Discover and Apple Pay, you might be trying to figure out how to maximize the promotion. The purchase of gift cards is excluded in the terms, but whether or not that is enforced is unsure.

One location that accepts Apple Pay is Walgreens. Right now they have a promotion until Oct. 24th 2015 where if you purchase 2 Vanilla Gift Cards you will get a free $5 Walgreens gift card. Here is the offer that should be available at most walgreens accross the country:

I've used this deal twice already at 2 different Walgreens. I purchased 2 $500 Vanilla Visa Gift Cards with my Discover card via Apple Pay. Both times the cashier didn't know how to get the offer to work on the register and ended up having the manager just give a $5 gift card seperate of the transactions.

One thing to keep in mind with these gift cards is that you CANNOT load them onto Bluebird/Serve accounts. You CAN load them onto a RedCard prepaid. So be aware when trying to liquidate these gift cards.


Thursday, September 10, 2015

Up to 20% cashback with Discover and Apple Pay

UPDATE: The terms by Discover now say that purchasing gift cards is excluded in the offer...however, it is still unclear if this will actually be enforced. 

This is a deal with HUGE potential.

Discover just announced that from Sept 16th until the end of 2015, they will be giving an extra 10% cashback to customers who use their Discover credit card with Apple Pay in stores that accept Apple Pay (duh). On top of that, right now if you get a new Discover card you'll get DOUBLE the cashback so that 10% becomes 20% (on top of the normal 1-3% cashback you already get). So really, the total potential is 23% cash back.


There is a maximum of spending $10,000 that you'll get the 10% cashback on.

So let's do a little math. 

  • If you already have a discover card, you'll get the 10% cash back plus the normal 1% = 11%. 
  • Buy 20 $500 visa gift cards at Walgreens for $10,119 ($10,000 in gift cards + $119 in fees)...you'll make $1,100 - $119 = $981

Of course, you don't have to max out this offer. Just use your card with Apple Pay to get 20% cash back this holiday season when you use Apple Pay. 20% cash back on regular purchases is still pretty nice, but the HUGE potential comes when you buy visa/master gift cards and then liquidate them back into your bank account....if you are new to how all this works then this may be very difficult for you to do.

There are 2 different cards you would want to consider getting if you don't have a Discover card or only have 1.

  • You can not have more than 2 discover credit cards. 
  • If you got a Discover credit card within the last 12 months, you can't get another one. 

My Plan

I already have the Discover It and the Discover Miles credit cards. One of them is new and qualifies for the 20%+ cashback, the other will only get the 10% cashback. Boo hoo :(

My wife has the Discover It card which will only get the 10% cashback. She does not have a second card so she will get a new Discover Miles credit card which will be eligible for the 20%+ cash back.

I will max out spending $40,000 between the 2 of us buying visa gift cards at Walgreens with Apple Pay. I will liquidate all the the gift cards onto our Redcard (Vanilla One Visa gift cards that are sold at Walgreens cannot be used on Serve/Bluebird). The total profit with all of this will be about $6,000. Merry Christmas to us!

Problem: I don't have an iPhone (By the way, this deal will only work with iPhone's 6 or 6s or iWatch or the new iPad). I'll have to get an iPhone or iWatch or one of the newer tablets to make this work. Making $6,000 is worth spending $750 bucks...If I don't want to keep the iPhone I guess I could always sell it in January for 80%+ of what I got it for.

So if you don't have 2 discover credit cards sign up HERE or click below to get another one (I don't think you can get 2 at a time, although you could try filling out 2 separate applications and submitting them at the same time).


Friday, August 28, 2015

Cheapest way to send a fax online for free

I hate the fax machine. I would much prefer sending something via email. For some reason unknown to me we are stuck with the fax for the time being. I think within the next 30 years it will be obsolete. The problem is, unless you have a fax machine at home you may have to go to staples or office max and pay some outrageous price to fax a few pages. To hopefully avoid that, here are a few of the cheapest ways to send a fax online.

1.) FaxZero

  • This is by far my favorite. It is simple and FREE. You don't have to sign up for an account or make a password, etc. All you do is put in your name, phone number, email and the name and fax number you are trying to reach. Here is a screenshot

2.) Everyone else. These other options might be better if you need a personal fax number or need to receive faxes.
  • SmartFax - gives a 30 day free trial. After that it is $7/month
  • MyFax - gives a 30 day free trial as well. After that it is $10/month
  • eFax - $15/month. They do have a free version that lets you receive up to 10 faxes per month. 
  • k7 - is free for incoming and outgoing faxes. But you have to send/receive a fax every 30 days or your account will be deleted. 

There are a lot of other online fax companies that I didn't cover. If you find a good one feel free to post about it below. 

Wednesday, August 26, 2015

Free $10 e-gift card from Newegg via AMEX

UPDATE: This deal has ended. Subscribe to newsleter to get updates on future offers.
If you have an American Express credit card, you can get a free $10 gift card delivered to your email with a promotion that is going on until 09/07/2015. This will work for EACH AMEX credit card that you have. In my opinion these are some of the best gift cards available:

Home Depot
Gap/Old Navy
Papa Johns
Red Robin
Burger King

This is the promotion: Spend at least $10 at Newegg.com with "American Express Checkout" and you'll get a $10 statement credit. So you can spend more than $10, but the best deal is to just purchase an e-gift card to a place you might go to in the future. NO NEED to register your card...just make sure you use American Express Checkout and you'll get the credit. Too easy!

NOTE: This are several other merchants that you can get a $10 credit, but Newegg is the only one that really makes sense to me.

You can get the $10 credit on all of your consumer and business AMEX cards...even authorized users.

If you have multiple cards you want to get the free deal on (I have over 10), then I found that making the purchases with the Newegg App on your smart phone is the easiest way to do it (there are errors that occur when I tried doing on my laptop).

You can only get ONE $10 gift card per vender in a 48 hour period per Newegg account. So if you wanted 2 $10 home depot gift cards by using 2 different AMEX cards, you would have to wait 48 hours before purchasing the 2nd $10 home depot gift card.

So, for your convenience, here are the screen shots of the whole process that I did from my phone:

Search for "gift cards" and select a $10 gift card and Add it to your Cart

You will see the shopping cart in the upper right corner have an item. Click on that to checkout. 

This is the important part. DON'T click on "Secure Checkout". Select "AMEX Express Checkout"

You will then be asked to sign into your american express account. 

Select the card you want to use.

You will then be sent a code that will be used to verify the transaction. And then you will be asked to complete the order. It's very easy to do and definitely worth the few minutes to get some free $10 e-gift cards. You don't even need to pull out your credit card to do this which is really nice. 

Don't have an AMEX credit card or want to get some more?

I would recommend getting the SPG AMEX credit card as the bonus is temporarily increased to 30,000 points, which is a a good offer. You can use that to book 3-10 hotel nights or you could cash it out for $300-$500 in cash. Not sure how you will spend enough to get the bonus? This is a good starting point to help you figure it out>.

Another thing you could do is add an authorized user to your current account and you'll get another card in the mail in a week or so. I've added myself to all of my wife's accounts and her to all of my accounts. 

Small Business Saturday is coming up in November, so this is a good time to collect a few more AMEX credit cards. 

Wednesday, August 12, 2015

Manufactured Spending Online with Giftcards.com

UPDATE: I am no longer able to make purchases via giftcards.com. Orders keep getting canceled by them. Their customer service is terrible giving to reasons for the problem. Maybe you will have success though, in which case, this is a great option for you.

The methods of how to manufactured spend are always changing. That's why it's important to read blogs like this one if you want to stay up-to-date on ways to earn miles/points, and get big credit card bonuses.

Disclaimer: As always, you have to be very careful with credit cards!

A couple of months ago, I got approved for the AMEX Business Platinum card. The card came with an offer to get 150k MR points after spending $20,000 within 3 months. My total expenses right now are about $3,500/month, so of course, there is no way I could normally spend that much. That's where manufactured spending comes into play!

This is how I decided to spend the $20,000 to get that bonus (which I plan on cashing out for over $2,000 in cash):

I bought $20,000 worth of Visa Gift cards on Giftcards.com. 

I actually bought 40 $500 visa gift cards in separate orders of $1,500 per order. Why $1,500 orders? Because there is a free first class shipping promo code that will work on orders up to $1,500. So this made the shipping free! The promo code that I used is FREEUSPS915. This code is good until the end of the year, can be used multiple times, and it can be used by anyone. 

You can get the visa gift cards in increments of $25-$500. It makes the most sense to get the $500 amount as there is a fee associated with getting these cards of $4.95 and it is the same for all gift card amounts.

So the cool thing about Giftcards.com is that they have a rewards program where you earn "G Money" for all your purchases (make sure you sign up for it). You get one point for every dollar spent and you can redeem the points on any future orders. So, that's basically 1% cash back. This cancels out the visa gift card fee, so in the end you are buying these visa gift cards with no shipping fee (above promo code) and you earn back the gift card fee with their rewards program.

That's awesome!

Plus, of course, you'll get your credit card rewards points. So, if you use a credit card that gives 2% cash back you'll be making $10 per $500. Maybe it's worth buying these visa gift cards just to earn credit card points/miles, but it's especially useful to help meet spending requirements to get credit card bonuses...like in my case...spending $20,000. Note: it would be a good idea to not purchase too many gift cards at a time as you credit card company might freeze you account until you talk to them on the phone (not a problem, but it can just be a hassle). Start small and spead it out through the month.

What do you do when you get the gift cards in the mail?

Okay, so you get the gift cards in the mail and you activate them and write down the pin number (or I like to set my own pin number to be the same for all the cards).

The hardest part is to liquidate the visa gift cards back to cash or into your bank account. This takes the most time. You will want to use these gift cards to load you redbird card, serve card, or bluebird. You can read more about how to do that on these posts:

Buying Visa and Mastercard gift cards with a credit card
Ways to Manufactured Spend


Cheapest place to buy Flowers online

Note: This post is a paid advertisement 

There are very few things that we need in more occasions during the year than flowers. We use them for birthdays, for mother’s day, we give them to our girlfriends, our wives, our mothers and also to celebrate special occasion or pay tribute to someone who might have passed away. In this article we are going to give you the best options you can find online in order to be able to buy flowers all year long for the most affordable cost possible.

This place delivers to 184 countries and over 12279 cities in the world. The best thing is that you will never find a cheaper option that allows you to order from so many different locations and get your flowers as fast as possible. They also have great discounts for orders that go above a certain cost and this is the reason why we recommend this particular site as your first option.

This place is particularly good because they offer very good looking flower selections for a very low cost. They have bouquets, baskets and a large number of customizable options that will be ideal depending on your needs. Just input a zip code and a delivery date and you will get the best results to match your needs.

There is no other place quite like sendflowers.com because at first glance they seem like an expensive business, but they have all kinds of selections that can range from extremely affordable, to very expensive and elegant flower arrangements.


All of the sites that we have provided to you right now are going to be great choices for your needs, but you should check all of them out in order to see which one has the kind of floral arrangements that will be most useful for what you require at the moment. You can be sure that these are places where you can safely purchase anything without worries. 

Cheapest Online Site to rent a car

Note: This post is paid advertisement

Being able to move around freely while you are on vacations is going to be essential if you want to enjoy every minute. The good things is that now with GPS technology being so readily available to anyone, here is no question that people are going to how more interest in being able to drive around and not fear getting lost and wasting hours of their day trying to find paces. For this reason, we have decided to come up with a list of the cheapest online sites to rent a car in any locations of the world.

This search will only provide results from independent agencies and it will not show you result coming from the large rentals. There are over 300 agencies in their search results and they all have very affordable prices, so it’s definitely ideal.

This place is without a doubt one of the greatest choices you can consider. All you need to do is select a specific location, by city or zip code and the pickup and drop off date. Once you input that, you will be able to get a large number of results based on prices, distance, vehicle models and location. 

They have a very robust database that will display the vehicles based on rates and this gives you a chance to narrow your search to the most affordable available models.


All of these websites have plenty of options to choose from and they are all quite reliable too. You can expect a good service that will allow you to get the most out of your car rental experience and that is what truly matters.

Monday, July 13, 2015

Buying a Website

About a month and a half ago I purchased a website.

I didn’t even realize that you could buy a website until the beginning of this year. I found out about it from a interview on a podcast by SmartPassiveIncome.com. Pat Flynn interviewed Justin from EmpireFlipper.com.

The idea intrigued me, but was not something I was planning on doing for a while. Let’s be honest, I hardly have any experience with websites. This blog is run by a free Blogspot account by google. Yes, I have a little bit of experience…but not much. I’ve had this blog for about 3 years and have been able to monetize it a little (although, that has never been the goal of this blog). But, recently I decided to take a risk and purchase a website.

Here’s my experience purchasing a website

So I had been keeping an eye on the available websites every once in a while and just recently I decided to take the plunge…and I bought my first website. Definitely a nerve-racking experience. What if it goes bust?...it definitely could). What if there are problems that I don’t know how to fix with my limited website knowledge?

Here are some of the potential problems that I thought of:

  • ·      Is the site a legitimate site?
  • ·      Is the current traffic and revenue verifiable?
  • ·      Is the revenue/traffic a temporary thing that will soon decrease?
  • ·      Will running the website require too much time?
  • ·      Will running the website require too much knowledge or expertise that I don’t have?

Criteria I set for my purchase:

  •        Be able to afford the possibility of losing all the money. Yes, it would devastate me if the website was not profitable or if somehow I got scammed, but I understood that was a slight possibility. I was not using money that I absolutely need. i.e. I wasn’t using emergency savings.
  •       Website be at least 6 months old, preferable at least 1 year. I figured the longer the website has been around, the more stable it will be.
  •        Some organic traffic. I wasn’t too comfortable with traffic from paid advertisement. 
  •       No more than 1 hour/per week required to operate the website. Ideally, I wanted a site that was basically on autopilot. I would be okay wilh a little bit of time required to maintain the current levels of income. I know this is possible, because my blog doesn’t really require any time to maintain current revenue (if I stopped blogging, my blog would still continue to make the same amount of money).
  •       Purchase the site from a genuine person.  This is hard to really know for sure, but I wanted to be able to talk to the seller and get a feel for why he was selling and who he/she was. I wrote down a list of questions and went over them when I Skyped with him.
  •       Purchase a website that was no more than $15,000. For me, this is actually a lot of money, but there are many sites that sell for much more. If things go really well after my first purchase and if I have some more available capital, I might consider a larger purchase down the road.

  •       New listing. I did not want to purchase a website that had been listed for more than a week. My thought process was that if it wasn’t sold by now, it must not be that attractive of a website. 

When I was looking at the list of websites available on EmpireFlipper.com, I found a site that matched my criteria. I decided to pursue it further. I made my initial refundable deposit that gave me access to more information about the website and I was allowed to set up a Skype call with the seller to ask him more questions. I was the 5th person to put a deposit on the website so I knew others were interested.  You can actually make an offer to purchase the website that is less than what is being asked, but the 1st person that made a deposit on the site will have the opportunity to better your offer. If you offer the full asking price, you will get the website. I offered the full asking price because I was worried someone else would get it before me. In hindsight, maybe it would have been wise to try offering a lower price. Who knows though.

After I interviewed the seller I felt good about making the purchase and went forward with it. EmpireFlipper support mediated the transaction and transfer of the website. It took about 1 week for the complete transfer.

One nice thing about the sale, was after the website transfer is completed you can verify the traffic and revenue that is now under your name. EmpireFlipper asked me to verify this. I think if the traffic or revenue was not as expected, EmpireFlipper would not release the funds to the seller until it was. Thankfully, the revenue and traffic was as expected. Although, it is important to note that if things go wrong with the website going forward, I would have full responsibility.

Here is a run down of the website:

  •       Average monthly revenue over the last 3 months: $650
  •       Average monthly expenses over the last 3 months: $50
  •       Average monthly net profit over the last 3 months: $600
  •       When was site created: 2012
  •       Monthly Traffic: 6,000
  •       Revenue Sources: Affiliate marketing and Adsense

Basically the site makes most of its revenue from generating leads from people wanting to purchase forklifts. I get paid $23 for every person that fills out a form on the website (feel free to visit and fill out the formJ). It also makes a small amount from Adsense ads. 

My hope is that it will continue to make $400-$600 per month and have my initial investment of $12,000 paid for in 2-3 years. If it takes 3-4 years to do this, I would still be okay with that.

I also don’t plan on making any changes to the site. It doesn’t really have that great of an appearance, but I feel that if it’s working okay right now, why change it? Sometimes trying to change something that is working only makes problems. It shouldn’t really take any time for me to run and is basically on autopilot.

Am I crazy to purchase a random website? Have any of you ever done something like this? What are some nerve-racking investments you have made?

Send a Message!


Email *

Message *