Tuesday, May 24, 2016

Why did I close my Amex Serve Account?

Let me first say why I opened the American Express Serve account. I did not want to use my credit card ( Amex card) and I had to pay for my lunch, and since the restaurant is actually Amex Cafe, so I got prepaid Amex card Serve.

Loading money was pretty easy. Just link your credit or debit card, and you can load money any time. Just note, I added my debit card, as I was not sure if adding credit card with the prepaid account would be a good idea. Credit card might treat these loading as cash advance and charge you fees, anyway, hence I went with debit card, pretty stupid, huh?

Although loading a prepaid debit card with another debit card look pretty stupid but the point to note here, my chase debit card does not give me any cash back but serve does. So serve can be treated as 1% cash back card.

Few other reasons to use Serve -

1. Serve wont check your credit score, so not hit

2. You get 1% cash back

3. Manage account online, you can get direct deposit

4. Get amex offers, buy stuffs at certain store and get cash back that is around 5% or more

5. Use it as debit card, you can withdraw cash from ATM with pin

Now let me tell you why I decided to close the account. They charge a fee to use serve, and I did not see a point of paying fee to use a prepaid card that I could live without. Fee I was charged was around $5.95 per month, but you can find serve with lower fee too.

My suggestion - if you do not need it, do not get it, even if you are getting it, make sure you would spend at least $600 on this card to make $6 in cash back to beat the fee.

Monday, May 23, 2016

How to naturally cure insomnia ?

If you are insomniac or experienced insomnia then I am pretty sure  right now you are more anxious about the fact whether or not you will be able to sleep tonight, than tired. Since I know few things about insomnia since I have experienced this myself, I know how exactly you feel right now.

10% of population experience chronic insomnia and 40% population experiences occasional insomnia.  Yes that is pretty big health risk.
Throughout the day we put stimulus such as caffeine, alcohol in our bodies and to make the matter worse, electronic devices such as your TV , tablet or smartphone become your best friend exactly before you go to bed. While you are watching those screens, they are just stimulating your brain, so when you go to bed and try to close your eyes, your thought process does not shut down. So, main problem is your brain is still active. It has nothing to do with how smart or stupid you are.

We all know we should sleep for 7 hours, when I say 7 hr of quality sleep that means, if you spend 8 hrs on bed , not sleeping, it is not really helping you. You wont feel rested, you will remain anxious, you will get easily irritated and your energy level will go down. There are worse side effects for long term insomnia, like heart attack.

My suggestion, take NOW Foods Melatonin 5mg Vcaps, 180 Capsules , before you go to bed. And before that get tested if you are allergic to caffeine, lower caffeine and alcohol consumption. Drink lot of water, and I hope after a while you will see good result.

Melatonin supplements do not have any side effects, they help you support your sleep, so that next morning you feel fresh. This supplement just helps our brain with melatonin which naturally produced by brain to put us to sleep, so this is not exactly a sleeping pill. this is the most popular on on amazon with more than 700 reviews , so go and read the reviews and give it a try.

Sunday, May 22, 2016

How to Save money on Groceries?

Following are a apps I use or have used to earn cashback on groceries, if you have any question just ask me below in the comment section

Receipt Hog - Whenever you are visiting grocery store or buying anything anywhere, do not skip those receipts because taking snaps and uploading them will help you earn you points and first 100 points is equal to $5. Receipt Hog pays via paypal and minimum payout is $5.

EBates - Ebates offer you cashback on your online purchases, the minimum payout is $5 and pays every quarter via paypal. If you get 5% on purchase from and if you are earning 1% credit card rewards, you are actually saving 6%.

Ebates Coupons and Cash Back-

ibotta - ibotta has loads of cashback offers for every nearby store. So just buy the brand, verify your purchase and get cash back. They pay via paypal, minimum payout $20.

SavingStar - Same concept as ibotta, you get cashback to buy specific brands and items, minimum payout is $15 and pays via paypal.

Checkout51 - You get cashback for buying specific items from specific brands, once you upload the receipt you will get cash back and minimum payout is $20, payments are made via paypal.

Plenti - is a reward program from American Express. This reward program has partnered with many brands, and lets you earn points just to use the services, such as "Hulu". And it gives you cashback to buy certain grocery items too. Just check them out, you can redeem your plenti points in Macys or at gas pump.

Tuesday, May 17, 2016

How to earn money online - how to get paid to search ?

How many times do you google something everyday? All you need to do is to replace "Google" with "Bing". There are search engine services who will pay you to perform web searches. But it is like every 3 search will bring you 1 cent, but if you are savvy internet user, you can still make a significant amount of money with paid search.

Sign up for Bing regards to start earning money for performing web search.

Swagbucks pays you money to search using there search engine.

You can make some money to use inboxdollars search engine too.

How to get paid to try out new services ?

Yes, you can make money to try out new things, such as services or sign up for trial offers. Some of the new subscription services get you money to try them out, but I will say trial offers are really great to make money with. You need to sign up for a service for say $1 and you get $5 and you need to cancel the membership before the trial period gets over, so that you can make profit on your investment :)

Mintvine - I make most of my online earning from this site, check their offer section, 100 point is equal to $1 and you get paid via paypal once you reach minimum of $10.

Swagbucks - Check the discover section for new offers or just keep an eye on emails, you will get lot of offers to make money with. Payouts are very low and you can cashout via paypal once you reach $25 or 2500 points.

Inboxdollars - The payout is bit high, it is $30. But with so many ways to ear that includes signing up and subscribing to different services, reaching that level is easy enough.

Read more -

How to make money online with paid emails?

How to make money online with paid emails?

Paid emails do not help you make a lot of money, but, in case you want to make few cents in exchange of few seconds ( it won't take more than 30 seconds) then you can give it a shot.

I primarily use 3 sites to make few cents with emails, although the pay is not high but I do not invest too much time either, so, it is like something for nothing.

Donkeymail - The best part about this company is that, there is no minimum payout, you can cashout amount as low as 1 cent via paypal. No Minimum Payout

Swagbucks - Swagbucks is already very popular, all the way you can make money with them include paid emails too, usually the paid emails offer 2 swagpoints which is equivalent to 2 cents. You can cash out as soon as you reach $1 . in form of gift cards though.

InboxDollars - They offer different ways to make money, paid emails pay you 2 cents, and the minimum payout is $30. You can get gift cards, prepaid visa or check mailed to you.

Read More -

Make money shopping online, get cash to shop online

How to make money watching videos?

Watching short videos for 30 seconds to 3 minutes  can make you anywhere between 1 cent to 3 cents, that is not a lot but you can play these videos on background while you are doing something else on another browser or another tab.

Videos are pretty interesting too, definitely not cat videos, in case you hate those already, but there is no easy way of creating playlist and play all videos, you need to go one by one.

Sign up for Inboxdollars and check there videos section to make money watching videos.

Swagbucks offers paid videos too, so sign up today.

Sunday, May 15, 2016

How to Blend - How to make smoothie using personal jar?

1. Add liquid like milk , water or juice first

2. If you want ice cube, add it now.

3.Hard fruits such as frozen berries or any fruit that sort will go next

4. Soft fruits like mangoes , bananas, apples goes next

5. Powder goes next, powders such as wheatgrass or protein powder

How to blend - How to make smoothies using a full size jar?

1. Add liquid like milk , water or juice first

2. Powder goes next, powders such as wheatgrass or protein powder

3. Soft fruits like mangoes , bananas, apples goes next

4. Hard fruits such as frozen berries or any fruit that sort will go next

5. If you want ice cube, add it now.

Friday, May 13, 2016

5 Fatty foods you should not skip

LDL , HDL, triglyceride or just the cholesterol is not a easy problem to solve. The whole universe of fats is mainly divided among good fat and bad fat. We all want the good fat and we all want to avoid bad fat.   But, affordability and availability of food definitely play a vital role on what's on your plate tonight.

And here are 5 sources of good fats ( please remember, even the good won't be good if it is not being used in moderation) -

  • Fatty fish like salmon, tuna, mackerel, sardines, herring, anchovies even tilapia
  • Nuts such as walnuts(my favorite is glazed walnuts from sprouts), almonds, cashews, pecans and pistachios. My recommendation would be to snack on walnut ( has omega 3) and almonds.
  • Seeds such as pumpkin seed kernels, sesame ( add some in salad), sunflower seeds, hemp seeds, chia seeds( full of fiber) and flax seeds( you can get flax flour too in Fry's)
  • Plant-based oils like extra virgin olive oil, cold pressed canola oil , soybean oil , avocado oil, grapeseed oil( this is my personal favorite) and flaxseed oil
  • Avocados - yeah, just google few recipes and make them
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