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Chase Ink Plus Business Card Review: $700 Cash, $875 Travel, or 70,000 Rewards Points Bonus

MyMoneyBlog.com - Mon, 09/29/2014 - 17:57

Limited-time 70,000 point bonus offer now available online. Biggest offer I’ve ever seen for this card! Chase has a new small biz credit card, called the Ink Plus® Business Card. It turns out to be very similar to the Chase Ink Bold Business card (full review), but with the important difference that the Ink Plus is a credit card where you can carry a balance and the Bold is a charge card that you must pay in full each month. The current APR for both purchases and balance transfers is 15.24%.

The good news is that the Ink Plus has a sign-up bonus, offering 70,000 Ultimate Rewards points after your after spending $5,000 in the first 3 months your account is open. You can read about my Ink Bold bonus experience here. To briefly recap:

Ultimate Rewards points are very flexible:

  • Cash. 1 point = 1 cent in cash, so 50,000 points = $500 cash.
  • Travel. 1 point = 1.25 cents towards travel, so 50,000 points = $620 towards travel at the same prices at Expedia or Travelocity (no % markups), split up however you like into multiple tickets, down to the penny. Good for people who don’t like to bother with miles.
  • Frequent flier miles and hotel rewards points. Transfers directly to United miles, British Airways miles, Hyatt hotel points, and Marriott hotel points. Best for folks that are willing to research and maximize their miles. Top up your account to reach an award, an transfer over only what you need.

The card also has the following same Ink Bold features:

  • LIMITED TIME BONUS OFFER: Earn 70,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $875 toward travel when you redeem through Chase Ultimate Rewards.
  • Named “Best for Travel Rewards for Small Business” MONEY® Magazine, October 2013
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $95 Annual Fee

You can buy Amazon.com gift cards at Staples and OfficeMax and get the 5x points, effectively discounting them 5% in cash (6.25% in travel), which may also help you with the spending requirement. Based on past experiences, you should be able to get this card and bonus in addition to the Ink Bold card as they are different cards. I already have the Chase Sapphire Preferred personal card and the Ink Bold card, so I’ll probably wait for a bit during my no-annual-fee first year and then try out this new card as well for my business. Gift cards purchases are also useful for satisfying the spending requirement for the bonus.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, or other one-person business. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

“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.  “The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.”


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Chase Ink Plus Business Card Review: $700 Cash, $875 Travel, or 70,000 Rewards Points Bonus from My Money Blog.

© MyMoneyBlog.com, 2014.

Categories: Finance

CEO of Spyware Maker Arrested For Enabling Stalkers

Slashdot.org - Mon, 09/29/2014 - 17:52
An anonymous reader writes: U.S. authorities have arrested and indicted the CEO of a mobile software company for selling spyware that enables "stalkers and domestic abusers." The U.S. Department of Justice accuses the man of promoting and selling software that can "monitor calls, texts, videos and other communications on mobile phones without detection." The agency pointed out this is the first criminal case based on mobile spyware, and promised to aggressively pursue makers of similar software in the future. Here's the legal filing (PDF). The FBI, with approval from a District Court, has disabled the website hosting the software. "The indictment alleges that StealthGenie's capabilities included the following: it recorded all incoming/outgoing voice calls; it intercepted calls on the phone to be monitored while they take place; it allowed the purchaser to call the phone and activate it at any time to monitor all surrounding conversations within a 15-foot radius; and it allowed the purchaser to monitor the user's incoming and outgoing e-mail messages and SMS messages, incoming voicemail messages, address book, calendar, photographs, and videos. All of these functions were enabled without the knowledge of the user of the phone."

Read more of this story at Slashdot.








Pro Travel Tips: Never Ask If They Speak English

MyMoneyBlog.com - Mon, 09/29/2014 - 17:45

I’ve been getting back into podcasts while driving, and have been catching up on the Alton Brown podcast. In the Samantha Brown episode, she shared a good tip about international travel and language barriers that I’ve never read in a guidebook: Never go around asking people if they speak English. Even if you say the question in their home language. Because when you say:

Do you speak English?

What they often hear is:

You speak English, DON’T YOU?

This comes off as a challenge, with the suggestion that you are expected to serve them. It starts off your conversation on the wrong foot. I know, I used to do it myself. You can see their face clench in a defensive manner.

The trick is to simply attempt your question in their home language (with a smile). Even if it is just “Hello” or “Excuse me” and then gibberish. They’ll be able to tell you don’t speak their language well. Most likely, they’ll even be able to figure out you speak English (even if you don’t think you look American) by your accent. Then if they do speak English, they’ll help you. If they don’t, they’ll still try to help you. People tend to be very nice in this regard. As Samantha Brown sums it up:

It’s better to butcher their language and show that you care, rather than speak perfectly in your own language and prove that you don’t.

For more pro travel tips check out Top 20 Hacks to Travel Like a Kiva Pro and How to Travel by Anthony Bourdain.


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Pro Travel Tips: Never Ask If They Speak English from My Money Blog.

© MyMoneyBlog.com, 2014.

Categories: Finance

Apple has released a patch for last week's Shellshock bug.

LifeHacker.com - Mon, 09/29/2014 - 17:40

Apple has released a patch for last week's Shellshock bug. If you didn't patch the bug manually , you can download and install Apple's patch for OS X Mavericks here.

Read more...








Categories: Hacks

Discover Card 5% Back At Lowe’s, Shell Gas, or Walgreens

MyMoneyBlog.com - Mon, 09/29/2014 - 17:39

Discover It and Discover More cardholders may be able to get 5% cashback at your choice of one of the following stores: Applebee’s, Bed Bath & Beyond, Lowe’s, Olive Garden, Shell, or Walgreens from now until November 30th, 2014. Subject to a cap of $1,000 in purchases. Valid both in-store and online. I think the best options for most would be Lowe’s (home improvement or wide selection of gift cards to Amazon, etc), Shell (gasoline), or Walgreens (coupon book items, expensive meds, or gift cards). I was able to get the promo by doing the following:

  1. First, log into your existing online account at Discover.com.
  2. Then, come back here and click on this link from the same browser.

You should see this page (click to enlarge):

This is in addition to the standard 5% back categories on the Discover it card, currently 5% back on up to $1,500 in purchases at Online Shopping and Department Stores and movies for 4th quarter of 2014. Selected fine print:

*Sign up to earn 5% Cashback Bonus on up to $1000 in total purchases made at your choice of one of the following stores: Applebee’s, Bed Bath & Beyond, Lowe’s, Olive Garden, Shell, or Walgreens from 10/1/14 (or the date you sign up, whichever is later) through 11/30/14. Once you sign up, no changes can be made to your selection. Purchases made using virtual wallets or third party payment providers will not be eligible. Purchases made outside of the U.S. will not be eligible. Rewards are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for further details.


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Discover Card 5% Back At Lowe’s, Shell Gas, or Walgreens from My Money Blog.

© MyMoneyBlog.com, 2014.

Categories: Finance

Man Walks Past Security Screening Staring At iPad Causing Airport Evacuation

Slashdot.org - Mon, 09/29/2014 - 17:10
First time accepted submitter chentiangemalc writes While Australia is on "high alert" for terror threats a man walked past a Sydney Airport security screening while engrossed in his iPad and delayed flights for an hour. From the article: "This event was captured on CCTV and unnerved officials so much that they evacuated passengers. As the Sydney Morning Herald reported, the man found himself (or, perhaps, didn't) going into the terminal through an exit passage that clearly was convenient for him, but less convenient for the hordes of passengers who not only had to be removed from Terminal 3, but also re-screened. A spokeswoman for Qantas told the Morning Herald: 'The man disembarked a flight and left. It appears he wasn't paying attention, was looking at his iPad, forgot something and walked back past (the security area).'"

Read more of this story at Slashdot.








Man Walks Past Security Screening Staring At iPad Causing Airport Evacuation

Slashdot.org - Mon, 09/29/2014 - 17:10
First time accepted submitter chentiangemalc writes While Australia is on "high alert" for terror threats a man walked past a Sydney Airport security screening while engrossed in his iPad and delayed flights for an hour. From the article: "This event was captured on CCTV and unnerved officials so much that they evacuated passengers. As the Sydney Morning Herald reported, the man found himself (or, perhaps, didn't) going into the terminal through an exit passage that clearly was convenient for him, but less convenient for the hordes of passengers who not only had to be removed from Terminal 3, but also re-screened. A spokeswoman for Qantas told the Morning Herald: 'The man disembarked a flight and left. It appears he wasn't paying attention, was looking at his iPad, forgot something and walked back past (the security area).'"

Read more of this story at Slashdot.








Man Walks Past Security Screening Staring At iPad Causing Airport Evacuation

Slashdot.org - Mon, 09/29/2014 - 17:10
First time accepted submitter chentiangemalc writes While Australia is on "high alert" for terror threats a man walked past a Sydney Airport security screening while engrossed in his iPad and delayed flights for an hour. From the article: "This event was captured on CCTV and unnerved officials so much that they evacuated passengers. As the Sydney Morning Herald reported, the man found himself (or, perhaps, didn't) going into the terminal through an exit passage that clearly was convenient for him, but less convenient for the hordes of passengers who not only had to be removed from Terminal 3, but also re-screened. A spokeswoman for Qantas told the Morning Herald: 'The man disembarked a flight and left. It appears he wasn't paying attention, was looking at his iPad, forgot something and walked back past (the security area).'"

Read more of this story at Slashdot.








Man Walks Past Security Screening Staring At iPad Causing Airport Evacuation

Slashdot.org - Mon, 09/29/2014 - 17:10
First time accepted submitter chentiangemalc writes While Australia is on "high alert" for terror threats a man walked past a Sydney Airport security screening while engrossed in his iPad and delayed flights for an hour. From the article: "This event was captured on CCTV and unnerved officials so much that they evacuated passengers. As the Sydney Morning Herald reported, the man found himself (or, perhaps, didn't) going into the terminal through an exit passage that clearly was convenient for him, but less convenient for the hordes of passengers who not only had to be removed from Terminal 3, but also re-screened. A spokeswoman for Qantas told the Morning Herald: 'The man disembarked a flight and left. It appears he wasn't paying attention, was looking at his iPad, forgot something and walked back past (the security area).'"

Read more of this story at Slashdot.








Man Walks Past Security Screening Staring At iPad Causing Airport Evacuation

Slashdot.org - Mon, 09/29/2014 - 17:10
First time accepted submitter chentiangemalc writes While Australia is on "high alert" for terror threats a man walked past a Sydney Airport security screening while engrossed in his iPad and delayed flights for an hour. From the article: "This event was captured on CCTV and unnerved officials so much that they evacuated passengers. As the Sydney Morning Herald reported, the man found himself (or, perhaps, didn't) going into the terminal through an exit passage that clearly was convenient for him, but less convenient for the hordes of passengers who not only had to be removed from Terminal 3, but also re-screened. A spokeswoman for Qantas told the Morning Herald: 'The man disembarked a flight and left. It appears he wasn't paying attention, was looking at his iPad, forgot something and walked back past (the security area).'"

Read more of this story at Slashdot.








Man Walks Past Security Screening Staring At iPad Causing Airport Evacuation

Slashdot.org - Mon, 09/29/2014 - 17:10
First time accepted submitter chentiangemalc writes While Australia is on "high alert" for terror threats a man walked past a Sydney Airport security screening while engrossed in his iPad and delayed flights for an hour. From the article: "This event was captured on CCTV and unnerved officials so much that they evacuated passengers. As the Sydney Morning Herald reported, the man found himself (or, perhaps, didn't) going into the terminal through an exit passage that clearly was convenient for him, but less convenient for the hordes of passengers who not only had to be removed from Terminal 3, but also re-screened. A spokeswoman for Qantas told the Morning Herald: 'The man disembarked a flight and left. It appears he wasn't paying attention, was looking at his iPad, forgot something and walked back past (the security area).'"

Read more of this story at Slashdot.








Man Walks Past Security Screening Staring At iPad Causing Airport Evacuation

Slashdot.org - Mon, 09/29/2014 - 17:10
First time accepted submitter chentiangemalc writes While Australia is on "high alert" for terror threats a man walked past a Sydney Airport security screening while engrossed in his iPad and delayed flights for an hour. From the article: "This event was captured on CCTV and unnerved officials so much that they evacuated passengers. As the Sydney Morning Herald reported, the man found himself (or, perhaps, didn't) going into the terminal through an exit passage that clearly was convenient for him, but less convenient for the hordes of passengers who not only had to be removed from Terminal 3, but also re-screened. A spokeswoman for Qantas told the Morning Herald: 'The man disembarked a flight and left. It appears he wasn't paying attention, was looking at his iPad, forgot something and walked back past (the security area).'"

Read more of this story at Slashdot.








Oracle MySQL Gets New Features: The Storage Wars Continue

LinuxToday.com - Mon, 09/29/2014 - 17:00

 The VAR Guy: Oracle has added new features to the enterprise edition of MySQL, the open source database storage platform.

Categories: Linux

Find the Solution to Any Stain with This Searchable Database

LifeHacker.com - Mon, 09/29/2014 - 17:00

Nobody likes a big ugly stain on their carpet or clothing. This searchable database has stain solutions for everything from automotive oil to mustard.

Read more...








Categories: Hacks

Overcome TV Show Binge-Watching with a Lesson In Plot

LifeHacker.com - Mon, 09/29/2014 - 16:30

If you can't seem to stop your TV show streaming marathon, learning about the plot lines that hook you in can help you break away and get some decent sleep .

Read more...








Categories: Hacks

New Research Casts Doubt On the "10,000 Hour Rule" of Expertise

Slashdot.org - Mon, 09/29/2014 - 16:25
First time accepted submitter Scroatzilla writes What makes someone rise to the top in music, games, sports, business, or science? This question is the subject of one of psychology's oldest debates. Malcolm Gladwell's '10,000 hours' rule probably isn't the answer. Recent research has demonstrated that deliberate practice, while undeniably important, is only one piece of the expertise puzzle—and not necessarily the biggest piece.

Read more of this story at Slashdot.








New Research Casts Doubt On the "10,000 Hour Rule" of Expertise

Slashdot.org - Mon, 09/29/2014 - 16:25
First time accepted submitter Scroatzilla writes What makes someone rise to the top in music, games, sports, business, or science? This question is the subject of one of psychology's oldest debates. Malcolm Gladwell's '10,000 hours' rule probably isn't the answer. Recent research has demonstrated that deliberate practice, while undeniably important, is only one piece of the expertise puzzle—and not necessarily the biggest piece.

Read more of this story at Slashdot.








New Research Casts Doubt On the "10,000 Hour Rule" of Expertise

Slashdot.org - Mon, 09/29/2014 - 16:25
First time accepted submitter Scroatzilla writes What makes someone rise to the top in music, games, sports, business, or science? This question is the subject of one of psychology's oldest debates. Malcolm Gladwell's '10,000 hours' rule probably isn't the answer. Recent research has demonstrated that deliberate practice, while undeniably important, is only one piece of the expertise puzzle—and not necessarily the biggest piece.

Read more of this story at Slashdot.








New Research Casts Doubt On the "10,000 Hour Rule" of Expertise

Slashdot.org - Mon, 09/29/2014 - 16:25
First time accepted submitter Scroatzilla writes What makes someone rise to the top in music, games, sports, business, or science? This question is the subject of one of psychology's oldest debates. Malcolm Gladwell's '10,000 hours' rule probably isn't the answer. Recent research has demonstrated that deliberate practice, while undeniably important, is only one piece of the expertise puzzle—and not necessarily the biggest piece.

Read more of this story at Slashdot.








New Research Casts Doubt On the "10,000 Hour Rule" of Expertise

Slashdot.org - Mon, 09/29/2014 - 16:25
First time accepted submitter Scroatzilla writes What makes someone rise to the top in music, games, sports, business, or science? This question is the subject of one of psychology's oldest debates. Malcolm Gladwell's '10,000 hours' rule probably isn't the answer. Recent research has demonstrated that deliberate practice, while undeniably important, is only one piece of the expertise puzzle—and not necessarily the biggest piece.

Read more of this story at Slashdot.








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