— Beer Money —

There's a lot of businesses offering refer-a-friend bonuses that typically are great for both the new customer and the one sharing the offer. Because of this, I've compiled a list of businesses that I use as a way for you to benefit, too. None of these have paid to be on here other than the incentives they offer, but I actually like doing business with them and would speak positively about them even if there wasn't some sort of kickback. If you are interested in any of these, feel free to use the links below or if you have any questions, use the generic SchwarzTech contact page to contact me!

— Eric

— Tech —

> Morning Brew

I don't like polluting my inbox with extra emails, but this is a subscription I've kept for awhile—Morning Brew is a brief, snarky newsletter that focuses on business and technology. It's free, and if you sign up with my referral link, there are some perks that get unlocked for a certain number of referrals.

> HP Instant Ink

Printers suck, and inkjets do especially, but HP has subscription ink that runs $3/month for up to 50 pages (I could just print solid colors from edge to edge and they wouldn't care). They also replace dried out cartridges if you print as infrequently as me. If you have a supported printer, you can get on this subscription and never worry about dried out ink for $36/year (cheaper than replacing cartridges once!) If you print more often, there are a few tiers you can select. Either way, this referral will get you a free month to try the service and I get the next month free.

> Hover

If you're thinking of making a web site, get your domain through Hover - they're priced fairly, have great customer service, take Apple Pay, and you get $2 off your domain purchase and I get a $2 credit.

> Amazon Prime Student

If you're affiliated with an educational institution, Amazon's Prime Student is about half the price of a normal Prime subscription with all of the benefits. We each get $10 if you sign up.

> Lyft

Because Uber is a bunch of scumbags.

> Lime

Lime has bikes or electric scooters in many cities—I had the change to ride on the scooters and they're a lot of fun (gets up to 18mph. If you use the referral link, we both get $3 in ride credits after your first ride.

— Telecom —

> Cricket Wireless

This is AT&T's in-house budget prepaid service. Prices are very reasonable ($35 for 5GB on a single line, or the current promotion of $100 for four Unlimited lines on a family plan). This is especially true if your the type who has a paid off phone or bring your own. Service is identical to AT&T, although speeds are capped at 8Mbps (more than adequate for everything) or 3Mbps on the basic Unlimited plan (fine for many users), and taxes and fees are included.

I switched some family members over from postpaid AT&T service and save about as much every year to buy one "regular" new iPhone outright ($600-$700), so if you plan correctly, it can not only save money, but get you off the carrier payment cycle. You can save even more by getting refill cards when they're on sale at places like Best Buy or Target. With the referral, we each get $25 on our accounts if you sign up and maintain service for 60 days.

> Kabletown Comcast Xfinity

This is probably the exception to the intro paragraph. My service has been fine and I don't really have any complaints, but cable and telecom companies are a necessary evil for home internet. Why not profit off of needing them? You get $25 in a Visa gift card for every kind of service you sign up for as a new customer (120 days between having service "resets" things), so there's some incentive along with whatever new promotional prices they're offering.

— Finance —

> American Express Cash Magnet

There have been some changes with how American Express handles referrals—now, you can use the link above and click the "View all Cards with a Referral Offer" to get us both a referral deal for a card different than the one I've linked.

This card has become my "daily driver" of sorts, as it gets a flat 1.5% cash back on all purchases. I also take advantage of some of their in-app "Offers" for things I'd buy anyway. It's got all the usual Amex bells and whistles, but without an annual fee (warranties get doubled, for example). Other notable things are that it's a credit card (pay in full or carry a balance, unlike many Amex charge cards that must be paid in full) and it includes an Experian FICO score every month. For this referral, I get $75 if you're approved, and you get $150 if you spend $1000 in the first 3 months. If you spend an additional $6500 over the first year, you get another $100. These are on top of the 1.5% you'd normally get.

> Discover It

Discover tends to be very customer-focused, with some good credit/fraud tools and excellent customer service. The regular Discover It is good for its 5% quarterly categories up to $1500 spent (gas/warehouse clubs, groceries, restaurants, Amazon/warehouse clubs this year), and 1% unlimited on everything else. Also included is a TransUnion FICO score every month. Rewards are doubled in the first year for new customers (so 2% on everything and 10% on categories). When you apply, we both get $50 as a bonus.

> Finn by Chase

I keep most of my money in other financial institutions, but there's a Chase branch on almost every block near me. Finn by Chase is an online-only version of their checking and savings accounts and it feels like a bonafide Chase account. Although you won't get many resources in-branch, it allows access to both Chase and Allpoint ATMs. The Chase app and web site work, but I actually prefer the Finn app. Also, it doesn't allow writing of checks, but many online-only services don't. Things like Chase Pay and Apple Pay ATM access work just fine—there's no fees and we each get $25 when you open an account. As a bonus, if you're a first-time Chase checking customer, you can get an additional $75 for completing 9 more qualifying transactions within 60 days.

> Cash App

Although I use Apple Pay Cash for a lot of transfers to and from friends these days, I still think Square's Cash App is pretty cool. It's a service where you can send and receive money with just about any debit card for free, and it has additional features like having its own Visa debit card and the ability to buy or sell Bitcoin. Use the referral link and we both get $5 if you set up an account.

©2018 Eric Schwarz. All rights reserved.