— 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 form to contact me!

— Eric

— Tech —

> 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.

— 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 me), 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.

> 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 EveryDay

My Amex gets use for all kinds of odds and ends purchases, as well as travel, big purchases (warranties get doubled), and take advantage of some of their in-app "Offers" for things I'd buy anyway. Normally, this card gets 2 Membership Rewards points for every $1 at grocery stores and 1 point per $1 everywhere else. If you make 20 or more transactions in a month, total points are increased by 20%. While the rewards aren't as great as some other cards for statement credit, they're still decent, and Membership Rewards points have more value (>1¢) when transferred to another program (frequent flyer miles, hotels, gift cards).

It's got all the usual Amex bells and whistles, but without an annual fee (so arguably a better card than the iconic "green" card). Other notable things are that it's a credit card (pay in full or carry a balance, unlike many Amex cards that must be paid in full), includes an Experian FICO score every month, and access to the Amex Travel site (the comparisons were handy to determine the best day/time to fly). For this offer, I get 10,000 Membership Rewards points if you're approved, you get 15,000 when you spend $1000 in three months.

> Discover It / Discover It Miles

Right now, I'm using two Discover cards, with slightly different reward structures. 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 (gas/warehouse clubs, groceries, restaurants, Amazon/warehouse clubs this year), and 1% on everything else. The Discover It Miles is a flat 1.5 "miles" per $1 spent and can be redeemed for either cash back (effectively making this a 1.5% cash back card) or a reimbursement for travel purchases.

Additional features include Discover Deals (I've used the 5% back at the Apple Store online a few times), $30 reimbursement/year for in-flight Wi-Fi (It Miles only), and a TransUnion FICO score every month. On both cards, rewards are doubled in the first year for new customers. Finally, when you apply and use either, we both get $50 (cash for regular It, 5000 miles for It Miles) as a bonus.

> Cash App

Although I use Apple Pay Cash for a lot of things these days, I still think Square's Cash App is pretty cool. It's a digital wallet 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 (great if your bank doesn't issue one), and the ability to buy or sell Bitcoin. Use the referral link and we both get $5 if you set up an account.

A new feature has been added called Boost, which allows you to pick one deal and apply it to your Cash Card. Some of the current rotation includes $1 off at coffee shops, $1 off at Subway, 10% off at Panera, 10% off at Chipotle, 5% off at Whole Foods. You can reuse these every two hours and change them every 24 hours (so coffee shops one day, Whole Foods another). It's an innovative way to do rewards, and might be very generous (at least the coffee shops and Subway) to drum up business, but worth taking advantage of while you can.

©2018 Eric Schwarz. All rights reserved.