Kenneth Cole – 50% Off Select Men’s Shoes – Today Only

Kenneth Cole is having a 50% off One Day Sale on select men’s shoes.

Here is the link to the shoes that are available for 50% off. After you add them to the cart, you still need to use the promo code of R2146 to get the 50% off.

There is free shipping when you spend over $100 and $4 ground shipping when you spend less than $100.

As with any one day sale, quantities are probably going to sell out fast, so get in early!

Negotiate Your Way To Lower Prices

Most people think negotiating prices only works when dealing with large ticket items like cars or homes. Well in this declining economy, consumers are noticing that pretty much anything is negotiable.

I don’t negotiate much since I think it wastes times, and my wife hates when I do it, but I will let you in on one time I we did and it was very successful. My wife (girlfriend at the time) needed to have her gall bladder removed. She had United Healthcare Insurance. She went to an Out of Network doctor so she thought it was covered 80/20. 80% paid by UHN and 20% paid by her. Well UHC decided that it couldn’t agree on a price with the doctor and they opted to pay nothing. According to their plan literature, they will by 80% on out of network procedures once they agree upon a price. I was pissed, I told her to call and refuse the pending balance. My wife had paid into that plan for years and the one time she needed it, they denied her. She received a bill for $8,500 from the doctors office. My wife basically called up the doc and said, “look, I am a recent grad with student loans and cannot afford to pay the total bill”. They asked how much could she pay and she said $2000. The lady in the billing office said fine, we will send you a bill for $2000 and the rest will be written off I was shocked, I guess I never really gave it a thought that it would work. After working in health care years later, I have realized that most doctors are happy to get anything due to the high amount of uninsured patients. Besides, outside of the doc fees, I bet the surgery didn’t cost much more than that anyway.

Other things I have negotiated down is my cable bill, phone bill and internet bill.

There was a Forbes Article just published that shows even more things you can negotiate. I may think about trying this, since I realize that most companies are willing to due anything to sell products these days since no one is spending!

If anyone has any interesting negotiating stories, please post a comment, I bet everyone can benefit from your experiences!

90% Off Restaurant.com Gift Cerfiticates – Today (10/1) Only!

Today (October 1st) only, you can save 90% off of gift certificates from Restaurant.com when using the code WOW during the checkout process.

Most restaurants allow you to use one gift certificate per table. And most have a minimum purchase requrement which is usually around $35, but I have seen the range from $20 – $50. Even still this is a great offer since you can get $25 worth of food for $2.

Restaurant.com allows you to search for Restuarants in your area by zipcode. You can then see the requirements per each restaurant.

So say for example you and a friend go out to eat and it will cost you $40. You then figure a 20% tip. The total comes to $48. Now say you had purchased a $25 gift certificate for $2, your total would be $48 – $25 – $2 (cost of certificate) = $25. Not bad for a two person meal!

I like to stock up on these when they have a restaurant.com promo since that can be big savings over time if you like to eat out alot. To date I have never had an issue where the restaurant refused my certificate, besides they uses these as ways to get you in to their place to eat so that is the cost of advertising for them. Plus I’m sure they hope you will stay and drink too!

Capital One Interest Online Checking

Capital One Bank is now offering a new checking account product called Interest Online Checking. The current rate is 1.10%.  And this is not a tiered rate, meaning you will earn 1.10% on your balance regardless of what it is.

Some features of the online account are:

• No fees or minimum balance requirements
• First order of paper checks is free
• Free Online bill pay and online banking
• Free MasterCard Debit Card to access your funds
• Your ATM Fees will be reimbursed up to $10 each month
• ACH Transfer between you Capital One Checking and your existing bank

It appears that this account is available in areas that do not have physical branches. Their branches are mainly located in New York and Texas, so it is safe to assume that it should be available in most areas. It asks you for a zip code prior to allowing you to open the account, so you will know for sure right away.

Once you add in the $10 ATM reimbursement and a non-tiered interest rate, this account seems pretty competitive with the likes of Ally Bank and ING Direct’s checking account products. It also is nice that they offer paper checks. ING Direct’s electric orange checking does not allow for paper checks, so if actually having a checkbook is important to you, then you may consider opening an account here.

There is no capital one promo code for this account, but with all the features and it being a completely free account that earns interest, I think the account pretty much speaks for itself.

Checkout Capital One’s Interest Online Checking page for more details and to appy.

Bing Cash Back is Ending!

For those of you that have been using Bing Cash back, a sad day is upon us. While I was logging into my account, I noticed a little message that said the following: “As of July 30th, 2010 9:00 p.m. PT, we will no longer be offering the cashback program”. According to their Community Site it says that “did not see the broad adoption that we had hoped for”.

This is said in the fact that Bing Cashback had the highest percentages of cash back than any other cashback site. And at times they would do an unadvertised promo like when they did the 20% cashback at Walmart.com last Christmas, or the current 20% cashback at Drugstore.com.

Yes I will admit I was a late adopter of Bing Cash back and was starting to finally get into it. All in all, it wasn’t a total loss. I received just under $200 cash back since I started using the site last December, but I was hoping for a lot more.

I guess it is time to move on and back to the likes of Ebates, Mr Rebates and Big Crumbs. It will be hard to miss that 20% back, that is for sure.

Ally Bank – Raise Your Rate CD

Here is an interesting new product being offered from Ally Bank. It is called the Raise Your Rate CD. Basically it works the same as a CD, but the twist is that it allows you to raise the rate once during the term of the CD rather then being locked into the interest rate as with a regular CD.

This is very nice since if rates start going up, which most likely they will be in the next few months, you have the opportunity to increase your CD to that rate. Currently the Raise Your Rate CD is being offered at 1.99% for a 2 year term. If rates start increase, just give them a call and have your CD set to that new rate.

The Raise Your Rate CD also comes with Ally’s 10 day best rate guarantee which means when you open the CD and the rate increases in the first 10 days of the CD period, you will receive that increased rate. This does not count toward your one time CD rate increase.

Another nice feature of Ally Bank CD’s is that they will automatically renew when the term is up if you don’t call them ahead of time to cancel the renewal. When the CD does automatically renew it will do so at the current rate for that CD, so if you plan on just letting your money roll then there is nothing you need to do to receive the most recent rate.

This is a great deal considering that the 2 year rate is pretty competitive and with the option to increase that rate of the 2 year term it is hard to find a better place to hold your money. Ally Bank, formerly known as GMAC Bank, is FDIC Insured and has been around for many years. It also has a history of having very competitive rates along with no hidden fees in their products.

More details on the Raise Your Rate CD.

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