Restaurants, tips, and gift cards

A couple of weeks ago we had dinner with a friend visiting from Hawaii.  We had a $100 Visa gift card in hand to put a big dent into the bill. We were confused when the card came back declined.  At first we checked the balance on the card because we thought that they had … Read more

Defeat the ever-bolder marketers that captured your coupons

Actually, this isn’t a recent capture:  Coupons have always been doing the bidding of the marketing department.  Companies don’t distribute coupons because they’re nice.  They want more of your money, and coupons are a way to get you to spend more. There are three basic mechanisms for companies to get more revenue:  (a) increase the … Read more

Rewards giveth, and rewards taketh away

Customer reward programs go by a number of different names: customer loyalty programs, frequent flier programs, shoppers’ club, and so forth.  In exchange for some of your personal information and the ability to laser-target their advertising to you by tracking your purchases, you get discounts or rebates on your purchases. Maybe it’s just my opinion, … Read more

Why are some gift cards more “expensive” at MyPoints?

MyPoints is a rewards program that gives you the opportunity to earn free gift cards by reading e-mails, completing surveys, and purchasing from online retailers through their site. Each action has a point value associated with it, it doesn’t take too long to earn gift cards, and many of the point opportunities are free. There … Read more