The Moana Surfrider, A Westin Resort & Spa is an icon in Waikiki, a beachfront neighborhood in Honolulu popular amongst tourists. In fact, it was the first hotel in Waikiki Beach. Walking through the lobby of the hotel, which first opened its doors in 1901, feels like stepping into a bygone era. Much of the elegant architecture remains — and of course, so do the ocean views.
The sprawling courtyard, shaded by a massive, 100-year-old banyan tree, is a delightful spot for an afternoon mai tai as you soak up the Hawaiian sunshine. And the Moana Surfrider breakfast — held on a wraparound porch overlooking the water — is divine.
(Photo by Sally French)
But here’s the thing — anyone can visit the bar or restaurant, whether they’re a hotel guest or not. So do the rooms make it worth staying at the hotel? Or, would you be better off staying at another hotel on an Oahu vacation and simply popping over to the Moana Surfrider for a meal or drink?
Here’s our review of the Moana Surfrider, A Westin Resort & Spa:
The Moana Surfrider location
The Moana Surfrider’s beachfront location is top-notch. It offers direct access to Waikiki Beach, steps away from the ocean.
(Photo by Sally French)
The opposite side of the hotel lines Kalakaua Avenue, which is Honolulu’s main shopping street. The prime location means it’s bustling with people, both outside the hotel and on the beach.
Speaking of cars, though, you might not want a rental car in Honolulu given this hotel’s central location, proximity to public transportation and expensive parking rates. The Moana Surfrider parking fee is $65 daily for valet, which is the only option.
There’s also no free airport shuttle sadly, so you’ll have to book a shuttle or rideshare if you forgo a rental car.
Moana Surfrider rooms
(Photo by Sally French)
Moana Surfrider rooms with an ocean view are exceptional; the best rooms offer a panorama that includes both the ocean and Diamond Head, which is a volcanic tuff cone that now stands out as one of the most iconic natural landmarks on Oahu. However, these rooms tend to cost about $200 or more per night as an upcharge for the view.
(Photo by Sally French)
Aside from the view, the rooms are somewhat forgettable and a bit dated. Here’s a look at a Tower room with a king bed and Diamond Head vista:
(Photo by Sally French)
Beds are comfy, but nothing to rave about.
(Photo by Sally French)
The in-room coffee maker is a nice touch.
(Photo by Sally French)
Bathrooms typically feature a tub, though it’s not an oversized tub you’d necessarily want to soak in for a long time.
Rooms also have amenities including a mini fridge and hair dryer.
Key amenities at the Moana Surfrider
The Moana Surfrider charges a $42 daily resort fee, but there are a fair amount of amenities that potentially make the resort fee feel more worth it.
(Photo by Sally French)
The Moana Surfrider pool offers ocean views.
(Photo by Sally French)
The gym is good, but not amazing. Its low ceilings feel a bit cramped, but the cardio machines that face Kalakaua Avenue offer a nice view. There are dumbbells, weight machines and other small pieces of strength equipment like plyometric boxes.
Other, employee-led activities or classes vary by day but include yoga, hula dancing, lei making, a historical hotel tour and a traditional sunrise ceremony.
The resort fee also covers a few extras like a complimentary shopping tote bag and GoPro camera rental.
Moana Lani Spa, a Heavenly Spa by Westin
(Photo by Sally French)
There’s one key amenity that’s not included in the resort fee: Moana Lani Spa. As is usually the case with resort spas, services like facials and massages come at an additional cost. The Moana Surfrider spa is unique in that it’s Waikiki’s only oceanfront spa.
Moana Surfrider restaurants
The Moana Surfrider has one main restaurant serving breakfast, dinner and afternoon tea. There’s also a beach bar, a cafe, a coffee shop and a cocktail lounge.
Dining on the wraparound porch
For a fancier meal, head to the Moana Surfrider’s wraparound porch facing the water. That porch moonlights as a few different restaurants, depending on the time of day.
Veranda at the Moana for breakfast
In the morning, it’s called the Veranda at the Moana. You can choose to dine either buffet-style or order a la carte. Menu items embrace Hawaiian flavors, including the hearty loco moco (a Hawaiian dish of rice, hamburger patty, gravy and egg) and the mango pancakes served with lilikoi curd (lilikoi is the Hawaiian word for passion fruit).
(Photo by Sally French)
If you are committed to dining here, it can make sense to upgrade to the buffet, which offers one of the best brunches in Waikiki. It costs about $10 more than ordering entrees individually, but it entails an all-you-can-eat version of many items on the a la carte menu. Rather than decide between mochiko (local rice flour) waffles, Moana pancakes or an omelet, you might just try it all.
(Photo by Sally French)
Moana Surfrider afternoon tea
After breakfast, the space turns into the site for afternoon tea. Prices for Moana Surfrider tea start at $73 per adult and $37 per child. There, you’ll sip on island flavors like Hawaiian coconut or passion orange guava tea. Treats include tropical sorbet.
Beachhouse at the Moana
At night, that same wraparound porch becomes Beachhouse at the Moana. The white tablecloth restaurant serves fancy fare including steak and seafood.
Other standout dining at the Moana Surfrider
(Photo by Sally French)
The Beach Bar at Moana Surfrider: For casual dining with a stellar atmosphere, consider The Beach Bar. Menu items include poke, burgers and salad. The big draw is the live entertainment — typically ukulele — performed under the famous Moana Surfrider banyan tree.
(Photo by Sally French)
Vintage 1901: For drinks indoors, Vintage 1901 is one of the most charming bars in Waikiki. It’s primarily a wine bar, though other drinks include cocktails with local liquors. Located in the lobby, the bar stands out for its live piano music.
(Photo by Sally French)
Honolulu Coffee: The Moana Surfrider also hosts an outpost of Honolulu Coffee, which is a local coffee chain. Be aware that the lines can get long.
Who is the Moana Surfrider best for?
Travelers who want the best location: If you prioritize being within walking distance of major attractions, restaurants and shopping, then the Moana Surfrider is one of the best hotels in Waikiki. Direct access to Waikiki Beach is convenient, and the beachfront pool is delightful if you’d rather swim in a pool than the ocean.
(Photo by Sally French)
People who appreciate a historic property with charm: Known as the “First Lady of Waikiki,” the property is the first hotel on Waikiki Beach. The property goes a long way to acknowledge its history, including a museum on the second floor plus biweekly historic tours.
Who should skip the Moana Surfrider?
People who prioritize value over the view: Moana Surfrider rooms are impressive primarily because of the views, but you only get a view if you’re willing to splurge. If you’re the kind of person who ends up booking the cheapest available room, you’re better off booking a room without a view at a different hotel.
(Photo by Sally French)
Those travelers might be better off at properties like the Sheraton Princess Kaiulani, which is also a Marriott Bonvoy property. Though it’s not waterfront, that hotel is located just across the street from the Moana Surfrider, providing tourists a similarly central location (albeit a walk across the street to get to the water). Prices vary by night, but NerdWallet found some examples where the Sheraton Princess Kaiulani was going for nearly 50% less on the same night than the Moana Surfrider across the street.
Travelers seeking peace and calm: The lobby, wraparound porch and outdoor space under the banyan tree draw tourists who aren’t staying at the Moana Surfrider, which means the lobby and porch might be packed with a lot more than just hotel guests. If you’re seeking a quiet getaway, you might find the Moana Surfrider overwhelming.
(Photo by Sally French)
Booking the Moana Surfrider
(Photo by Sally French)
One of the best ways to earn Marriott points and free night certificates is through Marriott credit cards.
Top cards for Marriott stays
Marriott Bonvoy Bountiful™ Card
Marriott Bonvoy Bevy™ American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Business® American Express® Card
Annual fee
Rewards
• 6 points per $1 at participating Marriott Bonvoy hotels.
• 4 points per $1 on up to $15,000 a year in combined purchases at grocery stores and on dining.
• 2 points per $1 on all other eligible purchases.
• 6 points per $1 at participating Marriott Bonvoy hotels.
• 4 points per $1 on up to $15,000 a year in combined purchases at U.S. supermarkets and at restaurants worldwide (including takeout and delivery in the U.S).
• 2 points per $1 on all other eligible purchases.
Terms apply.
• 6 points per $1 at participating Marriott Bonvoy hotels.
• 3 points per $1 at restaurants worldwide and on flights booked directly with airlines.
• 2 points per $1 on all other eligible purchases.
Terms apply.
• 6 points per $1 at participating Marriott Bonvoy hotels.
• 4 points per $1 on worldwide dining, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2 points per $1 on all other eligible purchases.
Terms apply.
Elite status benefits
• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.
• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.
Terms apply.
• Platinum Elite Status and 25 Elite Night credits per year.
Terms apply.
• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.
Terms apply.
Welcome offer
Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Terms Apply.
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Terms Apply.
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Learn more
Another good booking option is to reserve through The Edit by Chase. If you have a Chase Sapphire Reserve®, you can use either Chase points or cash to book from a curated collection of luxury hotels worldwide and get added benefits including daily breakfast for two, an $100 property credit and space-available room upgrades.
And unlike many other travel portals, The Edit is an official Marriott booking channel, meaning you can earn rewards from both the hotel and Chase for a stay booked through The Edit. Compare prices though before booking.
To view rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, please visit this page.
To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page.
To view rates and fees of the Marriott Bonvoy Business® American Express® Card, see this page.
Airlines, including Delta Air Lines, use dynamic pricing for ticket sales. As a result, the cost of flights between the same cities can vary greatly. This variability is influenced not only by the class of service, but also by the specific type of ticket, known as the fare class.
Delta’s cabin classes range from basic economy to Delta One (first class on international and long-haul domestic flights). Then, these cabin classes are divided into ticket or fare classes, which can also affect the price of the ticket.
Let’s examine the Delta cabin classes and class codes to understand what is included in each ticket type and why you should care.
What are fare classes, and why do they matter?
Fare classes (sometimes called “buckets”) are different ticket types within the same cabin class.
For example, Delta One may have multiple fare classes, such as fully refundable, changeable for a fee and nonrefundable. Each fare class is given a letter, which is used internally by airline staff to understand details about the ticket purchased by the passenger.
Passengers should pay attention to these letters because they can affect the restrictions on their ticket, how many miles they will earn and their ability to upgrade to a higher cabin or use a Delta Companion Certificate.
When it comes to travel day amenities and benefits, cabin class matters more than your fare bucket. The fare bucket comes into play when dealing with ticket change restrictions or potential upgrades, as well as the hierarchy for complimentary upgrades.
Delta fare class overview
These are the Delta fare classes the airline most often uses:
First class/Delta One
Premium Select
Economy/Comfort+
Discounted Main Cabin – U, T.
Deeply Discounted Main Cabin – X, V.
Basic economy
Depending upon the aircraft and destination, not every plane or flight will offer each of these cabins or ticket classes. For example, an international wide-body flight will have Delta One, while a regional jet-operated domestic flight won’t.
🤓Nerdy Tip
Award tickets booked with Delta SkyMiles use a different fare bucket system.
How do I find the Delta fare class?
Delta.com makes the fare bucket information easy to find when searching for airfare. It is the letter in parentheses above the fare.
To learn more about what the fare bucket will include, click on the letter within the parentheses. It will provide details on the seat and any restrictions that go along with it.
SkyMiles earnings by fare class
When traveling on a Delta flight, Delta SkyMiles members earn miles at different ratios. The higher your tier in the Medallion elite status program, the more miles you’ll earn per dollar spent.
Members earn miles based upon the cost of the ticket at these ratios:
Note that basic economy tickets don’t earn miles.
How it works with Delta partners
When traveling on Delta airline partners, it is important to understand how many miles you’ll earn because this will vary based on the fare bucket.
Each fare bucket category earns different amounts of miles. For example, a full-fare business ticket in the J bucket would earn 200% of the miles equal to the distance flown, while discounted fare classes earn fewer miles and Medallion Qualification Dollars (key for earning Medallion status).
🤓Nerdy Tip
If you plan to credit a Delta flight to another frequent flyer program, you will want to compare the earning for the fare bucket in that program with Delta’s. They aren’t always the same. The website WhereToCredit.com can be especially helpful.
What are the benefits of Delta’s classes of service?
Delta One and Delta One Suites
This is Delta’s most premium cabin and is used primarily on international flights as well as select premium long-haul domestic routes.
Delta One has a variety of seating, with the most appealing being the Delta One Suites with doors that close for privacy. Most Delta One cabins are in a 1-2-1 configuration, with those at the windows offering extra solitude.
🤓Nerdy Tip
The Boeing 757s have a 2-2 configuration. Delta.com’s aircraft overview page makes clear the layout for each flight.
Delta One passengers receive multicourse meals, an open bar, amenity kits stocked with Grown Alchemist toiletries, noise-reducing headphones and more dedicated service. On certain flights, mattress pads make the seat more comfortable, but all passengers enjoy a large pillow and duvet.
Delta Premium Select
This is Delta’s premium economy cabin, which is mostly found on international flights and wide-body aircraft. It includes a larger seat with more recline. These seats are similar to what you might find in domestic first class. They recline more than seats in economy class but don’t lie flat. A footrest and spacious armrests with a small table add to the comfort.
Food and beverages include plated meals with a more impressive presentation than economy class and an open bar. A day blanket, a small amenity kit with Grown Alchemist products, noise-reducing headphones and a memory foam pillow await at each seat. Sky Priority access and the option to check two bags up to 50 pounds each round out the experience.
Medallion members don’t receive free upgrades to this cabin unless they use an upgrade instrument like a Global Upgrade on longer flights.
Delta first class
This is Delta’s premium cabin on most domestic and regional international flights. The cabins are in a 2-2 layout or 1-2 layout on regional jets. These seats are more spacious than those in economy with a side table to place a drink and larger seat pockets.
On some newer aircraft, Delta has installed seats with small privacy “wings” that act as side headrests, too. One complaint of these seats, however, is that they aren’t as padded as other Delta first class seats.
The standard level of service in first class is a welcome bottle of water at the seat, pre-departure beverages, complimentary drinks from the bar and, based on flight length and time of day, a meal. When flights don’t have a meal, a snack basket is passed around. Passengers receive Sky Priority access and the ability to check two bags per person up to 70 pounds.
Most domestic and regional first class flights are eligible for complimentary upgrades for Medallion members, which is a great perk although availability can be limited.
Delta Comfort+
These seats are integrated into the main cabin but have additional legroom and expedited boarding. They also receive a few extra food and beverage perks like complimentary alcoholic drinks and more snack selections.
There are no additional checked bag perks for this fare class, but those with a Delta co-branded American Express card get these benefits without an upcharge.
Passengers must pay a fee to upgrade to one of these seats, but Medallion members receive free upgrades to them.
Main cabin
The economy class section with standard airplane seats is the main cabin. On domestic Delta flights, nonalcoholic beverages and a snack are complimentary, but on long-haul international flights, a hot meal is served with complimentary drinks from the bar.
On long-haul international flights, a blanket is available. Passengers must pay to check a bag unless they have a Delta credit card or Medallion status.
Basic economy
This is the most restrictive Delta fare class and doesn’t include a seat assignment. These passengers are the last to board, which means finding space for carry-on bags can be a challenge (often, travelers must gate-check their bags).
Changes aren’t permitted to these tickets, and passengers won’t earn miles for their flight. Medallion members won’t be eligible for seat upgrades and cannot access the Sky Club.
Once the flight takes off, there are no additional restrictions with basic economy passengers afforded the same benefits as the rest of the main cabin, including free nonalcoholic drinks and snacks (a hot meal, alcoholic beverages and blanket on longer sectors).
What if I want to change my booking class?
After you purchase your ticket, Delta may send you offers via email, on the website or through the Delta app to upgrade your ticket using miles or paying in cash. Medallion members will also be added to the upgrade list for a higher cabin on eligible flights.
For long-haul flights, the only way to get an upgrade without paying miles or cash is to use an upgrade certificate.
These are an option for Platinum and Diamond Medallion members, but competition for upgrade seats (like with complimentary upgrades) can be fierce. For that reason, some travelers choose to pay the difference upfront to guarantee a better cabin.
Delta doesn’t charge a fee to change your ticket, but if you choose to upgrade or downgrade, any difference in fare would be charged (or credited).
Book smarter: Delta credit cards
Secure the best earning rates and benefits for your Delta flight needs by purchasing your tickets with the right credit card.
Here are a handful of Delta card options — or you can read a NerdWallet analysis on which are the best.
Top Delta cards
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Reserve American Express Card
Annual fee
$0 intro for the first year, then $150.
Welcome offer
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. Terms Apply.
Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Learn more
If you seek more flexibility in redeeming miles for award flights, consider applying for a general travel credit card instead. A general travel credit card differs from an airline card in that you can book flights with multiple carriers, rather than reaping the benefits of staying loyal to a single brand.
The more high-end (or “premium”) the travel credit card, the more benefits you can enjoy, including airport lounge access or elite status in certain programs. That said, a brand-specific airline card can net you benefits like waived baggage fees, which can have a meaningful dollar value.
Delta fare classes recapped
Delta has several different cabins and levels of service, as well as fare classes that correspond to each one.
Understanding Delta fare classes can be a helpful way to make sure you have the flexibility and experience you want for a trip, including helping you earn more SkyMiles.
(Top photo courtesy of Delta Air Lines)
To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.
Wells Fargo was supposed to be a major beneficiary of higher interest rates, but depositors seeking more bang for their buck and soft loan demand from business customers combined to to pinch profits in the second quarter.
The bank’s stock price fell 6% in mid-afternoon trading Friday, as investors absorbed the disappointing news about how much interest income the megabank is raking in.
High borrowing costs helped lead to “tepid” loan demand from businesses, said CEO Charlie Scharf, putting a lid on how much interest the bank can collect. All the while, the $1.9 trillion-asset company had to shell out more in interest to keep depositors happy, since they can find higher interest rates elsewhere.
The two factors caused Wells Fargo’s net interest income — the difference between its interest revenues and its interest expenses — to fall to just under $12 billion for the first time since the Federal Reserve started raising rates in 2022.
“They’re still having to pay more to their deposit customers,” said Kyle Sanders, senior equity research analyst at Edward Jones. “Until the Fed cuts, that’s going to continue to happen.”
Investors’ negative reaction on Friday grew out of their expectation that Wells Fargo might upgrade its net interest income guidance for the year, Sanders said. The bank’s balance sheet came into the rate hike cycle better positioned for higher rates than some other banks. Its consumer-heavy deposit base fueled hopes that less-savvy customers wouldn’t notice rates were rising.
But like others in the industry, Sanders said Wells has “consistently underestimated” the size of increases in its deposit costs. While rising interest expenses have been a bigger pain for regional banks, megabanks such as Wells and JPMorgan Chase have also felt the pinch in recent months.
While Wells stuck to its forecast that net interest income will drop by 7% to 9% this year, the bank also said that it anticipates the metric will land at the higher end of that range.
Even so, Sanders said the stock-price decline on Friday seems “a little bit overdone.” He and other analysts pointed to strong growth in the company’s revamped credit card business and its fee-driving investment banking business — two areas that CEO Charlie Scharf has built up during his nearly five-year tenure.
Piper Sandler analyst Scott Siefers wrote in a note to clients that the initial pressure on the bank’s stock price Friday may fade “as better fees may overwhelm the higher cost guide.”
Overall, the company’s profits rose to $4.9 billion between April and June, up from $4.6 billion in the first quarter. Higher fee revenues and Scharf’s campaign to trim noninterest expenses — the bank’s employee headcount is down 11,000 compared to last year — helped reduce the drag from lower interest income.
The higher interest expenses were partly due to depositors’ “continued migration into higher-yielding alternatives,” Mike Santomassimo, Wells Fargo’s chief financial officer, told reporters Friday. Rather than keeping their cash in low-paying checking accounts, consumers have shifted toward higher-yielding savings accounts or certificates of deposit.
However, the pace of that migration “has slowed and continues to slow,” Santomassimo said. Interest expenses climbed 3.3% during the quarter, compared with a 5.4% increase in the first quarter and a 12% jump in the fourth quarter of 2023.
One driver of the most recent increase: Wells Fargo bumped up the interest it pays on deposits in customers’ wealth and investment management accounts, a change that will cost the bank $350 million this year.
There was one silver lining to the higher rates the San Francisco-based bank paid on deposits. Wells grew deposits “in every line of business for the first time in a long time,” Santomassimo said. The pricing for corporate deposits is competitive and thus adds to interest expense pressures, he noted.
But the deposits are “going to be very valuable over a long period of time, particularly as rates start to come back down,” Santomassimo said.
Amazon’s Prime Day is just around the corner, but you don’t have to wait to start saving. Discover some of the best early deals on home decor items that combine style with functionality, all at prices that are easy on your wallet.
Featured early Prime Day home decor deals
These early deals are a great opportunity to upgrade your home decor before the official Prime Day rush. Whether you’re looking to revamp your living space or optimize your storage solutions, these items offer both quality and value.
Hello! Today, I have a great article to share about how to become an Amazon Vine Reviewer from a reader, Nicole Nicolet. She is a member of the Amazon Vine program and she has received over 100 free products from Amazon and has saved over $4,500 in the last 6 months. If you want to…
Hello! Today, I have a great article to share about how to become an Amazon Vine Reviewerfrom a reader, Nicole Nicolet. She is a member of the Amazon Vine program and she has received over 100 free products from Amazon and has saved over $4,500 in the last 6 months. If you want to learn how to get free products from Amazon, this is a very helpful read!
Did you know that you can get hundreds of free products, worth thousands of dollars every year from the Amazon Vine Program?
It’s surprisingly easy to join, and once you are a member you have access to thousands of everyday items that you can use, gift to friends and family, and even make money from.
Though there are certain rules that you will need to follow to maintain good standing with the program, it is worth all the effort.
So, if you’re looking to save, and maybe even make a little bit of money, the Amazon Vine Program may be a good fit for you.
How To Become An Amazon Vine Reviewer
Below is what you need to know if you want to become an Amazon Vine Reviewer.
Recommended reading: 7 Ways To Get Paid For Amazon Reviews
Here’s a screenshot from Amazon showing how much free stuff I’ve received so far.
How I’ve saved thousands with Amazon Vine
I have been a member of the Amazon Vine Program since November 2023. During this time I have received over 100 products from clothing to home decor, to health and beauty products, and even some electronics.
Just the other day I got a pretty awesome projector that looks and works amazingly! And, I also got a pretty sick electric guitar too!
Because the Vine program allows you to request 3-8 items per day, I have been able to find gifts for friends and family, start new hobbies (like making sourdough bread!), and even find nearly all of the decor I need for my wedding.
Over the past 6 months, the total value of all the items I have requested comes out to a little over $4500.
So, as you can see how easy it is to save money as a Vine Voice.
What is Amazon Vine?
Amazon Vine is a program that Amazon offers to its stores and businesses to help them get product reviews for their products sooner than they would have otherwise.
This helps businesses make more sales since most customers read reviews before they decide to buy.
When a business or store decides to put some of its products into the Vine program, Vine Voices (like myself) will test out the product and leave an honest review.
As a Vine Voice, you get these products for free. However, there are some legal requirements that may affect your taxes, depending on your tax situation. More on this in a moment.
So, who does Amazon choose to become Vine reviewers?
The Amazon Vine program is an exclusive program where they will hand-select people to join the program. These people will need to have written consistent ‘helpful’ and insightful reviews from their previous Amazon purchases.
You may be eligible to be an Amazon Vine Voice Reviewer if:
You have written consistent reviews of your previous Amazon purchases
Your reviews are considered ‘helpful’ to other customers
Your reviews are honest and trustworthy
https://www.amazon.com/vine/about
How do you join Amazon Vine?
If you are eligible to join the program and Amazon has decided they want you to become a Vine Voice, you will receive an exclusive invitation by email.
Once you join the Amazon Vine program, you will have access to the Vine Voice dashboard where you will find thousands of products from houseware to beauty products and more.
All Vine reviewers start in the Silver member status and have the ability to upgrade to Gold member status (that’s where I’m at now!)
Tips to increase the likelihood of receiving a Vine Voice invitation:
Go back into your previous purchases and write a thorough review
Include pictures or videos in reviews of your previous purchases
Provide helpful insight into your reviews (include both pros and cons)
Include tips on how you use the product in your reviews
When Amazon has decided they would like you to join their Vine review program, they will send you an invite through your email. So, keep an eye out for whichever email account you have connected to Amazon.
Check your spam folder if you think you missed the invitation.
Here’s a screenshot of some of my reviews.
How to become a Vine Voice (how to become an Amazon Vine Reviewer)
You can become a Vine Voice once Amazon has decided you provide trustworthy reviews. This is important because they only want members who provide honest, relevant, and insightful feedback.
Anyone is eligible to join the program as long as they have left enough reviews that other customers have rated as ‘helpful’.
So, unfortunately, there is no exact or magic number that I can give you as this varies by the quality and quantity of your reviews, as well as the number of visits those products may get.
However, when I was invited, I had just caught up on about a half dozen reviews and received the invite in my inbox about 2-3 weeks later.
Does it cost anything to be a Vine Voice?
No, there is no membership fee, or one-time fee to join the program. However… it is important that you know that taxes are involved in the process.
While you are never charged for the products themselves, Amazon is required by law to account for the value of products as ‘self-employed’ income. If you have requested products for a total amount over $600, Amazon is required to send you a 1099 form.
You can check in your Vine account dashboard to keep track of your total running amount.
How much are you taxed for the products?
Each product will have an ‘estimated tax value’ that Amazon has to report. This value is totaled up on your 1099 tax form.
However, as for what percentage you are taxed all depends on your specific financial situation. The percentage you are taxed will vary by state and your tax income bracket.
One tip though, to avoid higher taxes, is to request more health-related items that have no estimated tax value. Or, otherwise try to keep your total value down so that you pay less in taxes.
Unfortunately, this can be difficult when you become a Gold Member as the items can be any priced value and are usually better quality. Plus, some products are hard to turn down. Like that projector screen I mentioned earlier.
Here are some of the items I’ve received for free through Amazon Vine.
What are some of the best products you’ve received from Amazon Vine?
Well, for one, a projector that works great for indoor and outdoor entertainment.
But, here’s a list of some other really neat products I’ve gotten from Vine.
3 shade lamp ($90 value)
Shoe rack bench with a cushion ($60 value)
That cool projector I keep talking about ($160 value)
Gorgeous blue electric guitar ($140 value)
Camping gear ($100 +)
Wedding decor and gear ($500 +)
Leather car seat covers ($173 value)
Wing shaped book ends ($40 value) (P.S. these look super cool!)
Brand new silverware
21-piece knifeset ($199 value)
Stationary ($100 +)
Gifts for friends and family ($400 +)
Clothing ($100 +)
Automated pet feeder ($60) (My cat’s an absolute unit, so he eats through his food quickly)
Rainfall showerhead ($55 value)
Christmas projector lights ($60 value)
I could keep going with this list, and I will keep adding to this list as long as I am still a member of Vine. But, needless to say, there are some great finds on here that will save you money on many household items, gifts, and more.
And, if you’re a parent, I will mention that I have seen tons of baby items and things for kids. So, if you’re looking to save money on your kids, becoming a Vine member can be a great way to save some money.
When I searched for “baby”, almost 2,000 items popped up.
How to get free products from Amazon Vine
Requesting free products through the Vine program is both fun and easy. You can select from a list of thousands of products in just about any category.
After becoming a member, you can follow these steps to request products.
Log in to your Vine account, navigate to your dashboard and locate the “Recommended for You”, “Available for all”, and “Additional Items” tabs.
The ‘recommended for you’ items are based on your previous Vine searches. And, if I’m not mistaken, may also be partially based on your regular Amazon purchases and searches.
There was one time that I looked for, and eventually purchased a specific lamp on Amazon. And, not one week later that same exact product showed up on Vine. You win some you lose some, right?
You can also search for a specific product using the search bar. But, if you don’t find what you’re looking for, try broadening your search or using a different but related keyword.
Sometimes a product is ranked under different keywords than you might expect.
Once you have found the item you want, you can look into further detail by clicking through to that link, or by reading the details when selecting the “see details” button. Then, once the product pops up, hit the “request product” button.
Now you just wait for the product to ship to you!
You will find the shipping information in your item orders on your Amazon account or Amazon App. There is no special place for just for shipping information of Vine products. It’s all on your regular Amazon account.
Do you get paid with Amazon Vine?
You do not get paid in cash as a Vine Voice. You do, however, receive free products that you can later sell if you choose.
There are some restrictions as to when you can get rid of the products you have requested.
Amazon requires you to keep the products you request for at least 6 months before you get rid of the product you’ve requested. This means you are not supposed to gift, give away, sell or otherwise toss the product for 6 months.
How Amazon can track this, I don’t know. How strictly do they monitor this, I don’t know.
But, what I do know is that you definitely shouldn’t sell any of your Vine products online within the minimum time frame if you want to remain in good standing as a member of the program.
What countries have this program?
The Amazon Vine program is available in the US and a few other countries.
Unfortunately, the products that are available are only the products that ship within that country or may be stored in local distribution centers.
Some larger items may also only be shipped very locally to where they are stored.
So, if you live outside the U.S. you may still be able to join the program but may be much more limited on what products you have access to request.
Process of reviewing Amazon Vine products
In your Amazon Vine dashboard, you will be able to find products recommended specifically to you, products for all Vine reviewers, and any other product that is available to request for all members.
It’s best to check back frequently for any items you want as this changes daily, and sometimes hourly.
There have been times when I’ve found an item I wanted several weeks or even a month or two later than when I first checked. Give it time and most likely what you want will become available.
Once you find the items you want, go ahead and request the products. Most products will be shipped to you in a couple of days, or within a month.
Being an Amazon Prime member does not change how quickly something is shipped to you though. But, there are tons of other great benefits as a Prime Member other than free 2-day shipping.
Step-by-step process to review Vine products:
Request the product you want
Test the product within a thorough, but timely period
Write a complete and honest review of the product (include pictures, video, and/or other information you feel is ample for that product). Real reviews are great, they aren’t just looking for positive reviews
Submit the review and wait for it to be approved (usually a few days to a week)
Update the review if you feel this is necessary
If you struggle to find the products you want to review, try using different keywords. Rather than looking up “bridal shower gifts” try just looking up “bridal” or “wedding”.
This will greatly broaden your search as some items may be ranked under a certain keyword, but not another.
If this does not work, try also using another term for the product.
For example, when I type in ‘tumbler’, I see an insulated thermos, and I also see some stickers that go on thermoses. When I type in ‘cup’ I see thermoses again.
Contrary, when I type in ‘bookends’ with no space, I find a dozen products. But when I type in ‘book ends’ with a space, I only get one product. This is because of how businesses add their products to Amazon when using keywords.
What is required to maintain Amazon Vine membership?
To be in good standing with the Amazon Vine program you will need to write reviews in a timely manner. For some products, a thorough review may require several weeks of testing, whereas other products can be reviewed almost right away.
Some products I really try and include an image of. Things like electronics, clothing, and other things that are difficult to see in scale from a product image alone. Real life images work best for buyers to make an informed decision.
As a Silver Status Member, you will be able to request up to 3 items per day and up to $100 value each. You will need to review at least 80 items, and 90% of your items by or before the end of your evaluation period. After your evaluation period, you can get upgraded into the Gold Status.
As a Gold Status Member, you will be able to request up to 8 items per day with any price value. The review requirements are the same with at least 90% of 80 products reviewed by the end of the evaluation period.
You will need to have at least 60% of your products reviewed at any time to stay in good standing. However, this will take some time while you are getting enough products to review, so don’t worry too much about this in the beginning.
If you do not keep up with your reviews, your account may be placed under review (no pun intended here). I had this happen to me at one point around last Christmas when I became too busy for a while to write any reviews.
But, I got caught back up and was able to return to good standing status as a member. And, I was still able to request items during this period, just in case you were wondering.
I have noticed there is some confusion among many Vine Voice members as to when you get upgraded to Gold Status. At one point I thought if I reached the minimum requirement of 80 products with 90% of reviews I would be upgraded.
But, you will not be upgraded until the end of your evaluation period, unless you are somehow an exception to this rule.
I recommend catching up on your reviews about once a week. Or, more often if you would like. This helps you to avoid getting behind.
How to make money from Amazon Vine
According to the rules of the program, you cannot sell, gift, or otherwise give away your Vine products for a 6-month period. After this period, you may do with the items as you wish.
At this point, you may turn or flip the products and sell them for profit. However, if you decide to make some extra cash with this, please do not sell a product for more than it is valued on Amazon.
This is wrong, deceitful, and may cause bad blood among those involved. So, it is best to sell the items for less than the original value.
You may also use any products you get in your business if you wish. They are still just products, so if you use a Vine product in your business to make money, then more power to you.
Example: One item I had requested was an off-brand KitchenAid mixer attachment. I could easily use this to make money from baking.
When can you sell the products you get?
There is a required 6-month waiting period before you get rid of any products by any means. It is best to wait this period before you decide to gift or sell any product.
If you decide to gift or sell any products sooner than this period, you can and may be removed from the program. So, if you are concerned about this, make sure to date the products you receive so you don’t forget.
You can also look in your account to check on those dates.
It’s best to not sell any products for more than the taxable value. You also should not market any products as any brand other than what they actually are.
So, when I mentioned I got an off-brand KitchenAid attachment, it would be wrong and deceitful for me to market it as an ‘official’ brand attachment.
Can you gift the products you get?
Yes. After the 6-month waiting period required by Amazon. If gifting an item is necessary for a thorough review, however, and the product is within your family, in most cases this should not be too much of an issue.
But, this does not guarantee that you aren’t breaking the program rules. So, do this at your own risk.
Can you be both an Amazon Affiliate and a Vine Voice?
As a blogger, I am also a member of the Amazon Affiliate program, and I am also a member of the Amazon Voice program.
As of June 2024, I am not aware of or have been informed of any restrictions that an Amazon Affiliate can’t also be a Vine Voice. Nor, have I found any information that states otherwise.
So, I say the more the merrier!
Final thoughts on how to become an Amazon Vine Reviewer
The Amazon Vine program is a great program for companies, customers, and Vine Voices alike. It’s actually a fairly easy program to join and can be a great way to save and even make money.
While there are some important requirements you’ll have to follow as a Vine Voice, the benefits far outweigh any negatives.
So, if you’re looking to save some money this year, start reviewing your previous Amazon purchases to increase your chances of becoming a Vine Reviewer, and keep an eye out for that email!
Did you know that there was a way to get free stuff from Amazon?
Author bio:
Hey there! My name is Nicole Nicolet and I am a blogger at Let’s Make Life Great. When I first learned that blogging could make you money full-time I was skeptical, but decided to give it a try as a way to make passive income on the side. So, after taking Michelle’s free blogging course, I jumped in!
I started writing and researching different ways to save money, make money, and budget better. I also tried different side hustles like making digital printables, online courses, and more. Even though I’m still learning and growing, I enjoy writing posts about my blogging journey to help me document the tricks and tips I’ve learned since I started.
I aim to help my audience make more money, grow a business, and reach their financial goals through the content I create. And I even have a free resource page on my site, because who doesn’t love free stuff?
So, one day, when I stumbled upon the Amazon Vine program I decided to try it and see if I was eligible. And, sure enough, I was.
I’m inspired to share my journey with you in hopes that you too can learn different ways to save thousands each year as an Amazon Vine Member.
Making Sense of Cents Note: I hope you enjoyed this article on how to become an Amazon Vine Reviewer. This invitation-only program looks for high-quality reviews to help improve a product’s visitibility. This can be a great way to get free stuff from Amazon and save some money! I’ve read that there are around 5,000 to 10,000 Amazon Vine reviewers currently, and it looks like they are still accepting many new product reviewers.
Planning air travel can be often stressful, time-consuming and expensive without throwing in complications like baggage fees and the different ways airlines treat carry-on bags and personal items.
But if you don’t want to be surprised by excess fees at the airport, you’ll need to know the differences between the two. Is a backpack a personal item? How big can my rolling bag be to still be considered a carry-on? You’ll also want to know what the airline allows with your fare.
To make it more confusing, some budget airlines like Spirit Airlines and Frontier Airlines and even United Airlines (when you purchase its lowest fare option) don’t allow a free carry-on, just a free personal item. So it’s important to know what’s a carry-on bag versus personal item. We’ll break it all down here.
What’s a carry-on bag?
A carry-on is the larger of the two bags you may be permitted to bring into the plane cabin.
While exact size restrictions vary slightly among airlines, generally, a carry-on bag measures around 22 inches by 14 inches by 9 inches.
That often includes large backpacks, duffel bags and rolling carry-ons (but it’s wise to measure your bag and compare it with your airline’s size restrictions). Be sure to include the wheels and handles in your measurement.
A carry-on must fit in the overhead bin (it can be a tight squeeze on some smaller aircraft for larger roller bags) but not necessarily under the seat in front of you.
What is allowed in a carry-on?
Just remember that if you’re bringing only a carry-on or personal item and not checking a bag, everything you pack must be Transportation Security Administration (TSA) compliant.
That means no knives or other sharp objects, firearms or other weapons, or liquids (which include creams and pastes) over 3.4 ounces.
If you forget and pack these items, TSA will remove them from your bag and you’ll have to abandon them or step out of line to mail them home.
What counts as a personal item?
A personal item tends to be a smaller bag that typically fits under the seat in front of you. That means most wheeled luggage is out. What often counts as a personal item is a large purse, laptop bag, tote bag, small pet carrier and other similarly sized items.
Again, check with the airline you’re flying with for size restrictions so you don’t get pulled aside in the boarding line and made to pay for a carry-on because your bag is too big. Restrictions vary, but as a general rule, you’ll probably want to keep your bag at or under 9 inches by 10 inches by 17 inches.
Is a backpack a personal item?
Whether a backpack counts as a personal item or a carry-on depends on the backpack. A typical backpack, like the kind and size a child might carry to school or you might take on a short hike, often counts as a personal item.
Larger backpacks, however, like the type you would take on a multiday hiking or camping trip or to backpack around Europe, are usually too big. If the backpack is between about 12 inches and 19 inches, it may still count as a carry-on (especially if it’s soft-sided and can compress to fit), but anything bigger will likely have to be checked.
Remember, personal items have to be small enough to fit under the seat in front of you.
Are carry-on bags and personal items free?
Whether carry-on and personal items are free or cost extra depends on the airline. The domestic airlines below allow free carry-ons and free personal items.
Alaska Airlines: You can bring a carry-on and personal item for free on Alaska flights.
American Airlines: Everyone gets a free carry-on and personal item on American flights.
Delta Air Lines: On Delta flights, carry-on and personal items are free for all passengers.
Hawaiian Airlines: Passengers get one free carry-on and free one personal item on Hawaiian flights.
Southwest Airlines: Not only does Southwest allow two free checked bags for every passenger, but you also get a free carry-on and a personal item.
United Airlines: One carry-on bag and one personal item are free on most United flights except with basic economy fares. You’ll get only a personal item for free on most flights booked with the airline’s lowest fare class.
These domestic airlines allow only a free personal item, usually with the option to pay extra for a carry-on or other checked luggage.
Breeze Airways: Carry-on bags cost extra (or can be purchased with a bundle during booking), but one personal item is free.
Spirit Airlines: One personal item per passenger is free on Spirit flights.
United Airlines: Those who book the least expensive United fare, basic economy, get a free personal item, not a carry-on (except on some international routes).
Credit cards with free carry-on bags
Cardmembers must spend $15,000 on the card, after which they get a free bundle upgrade on a one-way flight, which could mean a free carry-on. It’s not a particularly valuable benefit based on required spending, though.
Airline cards with baggage fee perks
Delta SkyMiles® Gold American Express Card
United℠ Explorer Card
on Chase’s website
AAdvantage® Aviator® Red World Elite Mastercard®
JetBlue Plus Card
Alaska Airlines Visa Signature® credit card
Annual fee
$0 intro for the first year, then $150.
$0 intro for the first year, then $95.
Checked bag benefit
First checked bag free for you and up to eight others on your reservation. Terms apply.
First checked bag free for you and a companion traveling on your reservation.
First checked bag free for you and up to four others traveling on your reservation.
First checked bag free for you and up to three others traveling on your reservation.
First checked bag free for you and up to six others traveling on your reservation.
Learn more
Personal item vs. carry-on recapped
When deciding between packing a personal item or carry-on (or even figuring out which is which), find out what your airline allows for free, the exact size restrictions and what you’ll have to pay for if you require more than a small personal item.
To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
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AE Jobs, CU Patelco Ransomware Attack; Fed Primer; Jobs Data Nudges Rates Lower
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AE Jobs, CU Patelco Ransomware Attack; Fed Primer; Jobs Data Nudges Rates Lower
By: Rob Chrisman
Fri, Jul 5 2024, 11:47 AM
Before the internet, everything worked fine without it, right? Just ask the members, whether they be depositors or borrowers, of credit union Patelco, the scene of the latest (known) hack attack. Yes, it is a good reminder for companies to continue to beef up their computer systems, and have a plan in place should something happen. It is also a reminder for anyone with their money in a bank or credit union to have some of their money at a different institution. The news isn’t much better for lenders in general: According to Curinos, June 2024 funded mortgage volume decreased 13 percent year-over-year and decreased 5 percent month-over-month. The average 30-year conforming retail funded rate in June 2024 was 7.11, 1bps higher than May 2024 and 66bps higher than the same month last year. Curinos sources a statistically significant data set directly from lenders to produce these benchmark figures. We drill into this data further here. (Today’s podcast is found here and this week’s is sponsored by Bundle, the attorney-prepared legal documents company that is dedicated to the real estate, mortgage, and title industries. Fuel your operations and execution of documents from deeds to subordinations to assignments, and everything you need for any order, in one bundled price; receive 20 percent off using the code “Chrisman” at checkout. Hear an interview with realtor Clint Jordan on the latest NAR Settlement effects from a realtor’s perspective and ways he is working with loan originators to be more efficient together.)
Fed Purchase Primer
Remember when the Fed was gobbling Treasury and mortgage-backed securities? That has, of course, ended, but the Federal Reserve Open Market Committee’s activities, however, should also be of interest to every lender, its originators and borrower clients. Rates were low during the pandemic, in part, due to this constant buying. Both Treasury and mortgage rates are higher now than three years ago… is that entirely the Fed’s doing?
First, a short history lesson. The Federal Reserve has not always purchased billions of dollars of securities as it was doing in 2020 and 2021. Between mid-2007 and early 2015, it purchased approximately $3.7 trillion of Treasury and mortgage-backed securities (MBS). Purchases quieted down between mid-2017 and mid-2019, and then picked back up. The Federal Reserve owns about $2.4 trillion in Agency fixed-income securities. There’s about $12 trillion outstanding, which means the Fed is holding about 20 percent of total MBS outstanding…the proverbial 800-pound gorilla in the MBS marketplace.
Everyone knew that the Fed’s purchases (though announced well in advance), that drive up security prices and drive down rates, at some point would taper off and stop entirely as they have, depending on economic conditions. It is important for MLOs to remember that one of the purposes of the Central Bank of the U.S. is to increase the stability of our financial system. Sudden moves have the opposite impact. When the Federal Reserve began reducing its billions of daily and monthly bond purchases, thus driving up long-term rates and cutting origination volumes, lenders struggled to replace this income (when interest rates rise, banks holding the fixed portion of the contract lose money on a mark-to-market basis. In essence, a bank is receiving a lower rate than what the market is offering).
The Federal Reserve was purchasing $40 billion in mortgage bonds and $80 billion in Treasury securities each month to augment a near-zero short-term interest-rate target range. No more, and the portfolio is “running off” as borrowers refinance or sell their homes and pay off the debt.
Investors and economists watch any speeches or policy statements from the Federal Reserve for any indication that recent data, including faster-than-expected inflation and slower job growth, will change easy-money policies. Remember that many economists expected the Federal Reserve to begin lifting the target range for the federal funds rate in 2023 and to begin tapering long-term asset purchases in the first half of 2022, which is indeed what happened.
Capital Markets
Ahead of today’s June payrolls report, markets received several labor market indicators on Wednesday. There was a below-consensus ADP Employment Change report for June (150k) and a larger-than-expected increase in weekly jobless claims (+4k to 238k). Separately, Fed minutes showed officials are looking for additional evidence that inflation is cooling before cutting rates and were divided on how long to keep rates elevated. Domestic data has, of late, pointed toward a slowing economy, reinforcing the case for a rate cut. Growth and unemployment forecasts were unchanged.
Following yesterday’s break, markets return today with the release of June payrolls. Payrolls increased 206k, slightly better than expected but with a dramatic back-month revision 111k, with the unemployment rate at 4.1 percent, and average hourly earnings were +.3 percent for the month and +3.9 percent year-over-year. The only other point of interest on today’s economic calendar is New York Fed President Williams delivering remarks. After the employment data, if anyone is around to care, we begin Friday with Agency MBS prices improved from Wednesday’s close by about .250, the 10-year yielding 4.29 after closing Wednesday at 4.36 percent, and the 2-year at 4.63.
Jobs
“Kind Lending is seeking experienced Wholesale Account Executives in the mortgage lending industry. We are one of the fastest-growing mortgage lenders in the country, committed to building a positive and collaborative team that prioritizes people and aims to bring happiness to our valued broker partners and their borrowers. Our team believes that kindness is crucial and places great importance on providing clients with a positive experience. Check out this brief message from our Chief Production Officer of TPO by visiting here. Join the #kindmovement and grow your business by taking advantage of Kind’s expanded product offerings and best-in-class operational experience. Don’t wait! Contact Delfino Aguilar or (619) 726-0377 to kickstart your career path to kindness!”
“Mega Capital continues to expand across the country by adding AEs along with operation staff to support the growth of the organization. In recent months we have rolled out our new broker platform mPOWERs to help with ease of use for the broker. We have added improvements to our non-QM platform with MGenius getting an upgrade to help assist brokers with their NON-QM needs. On top of our great rates for conventional and government loas, we continue to improve our NON-QM offerings. 3-month bank statement program, Assets utilization, and a refi with essentially a mortgage only rating needed. Our latest offering is our MVP program- $3M Loan amounts, FICO down to 660, 40 yr. I/O’s, transferred appraisals accepted, P&L with no bank statements required, 1099 program No tax return needed and the list goes on. Please contact your local AE or Mega Capital at 818 657 2600 to partner with us. Always looking for great talent to join the team. We are always looking to add sales talent, all AE’s especially those with the NON QM background, please reach out to Ed Darrow at 818 657 2600 x340.”
A 49-state licensed mortgage lender with a large servicing portfolio and strong capital base is seeking to expand its retail footprint by partnering with large production teams or regional mortgage banks interested in a capital partnership. The goal of the relationship is to leverage back-office mortgage functions (e.g., secondary, technology, compliance, operations, and licensing) to provide you with long-term production growth opportunities. By partnering with us, you can utilize our mature systems to add loan officers and scale your operations across the U.S. If you are a strong retail loan origination team feeling constrained by layers of management, or an independent mortgage lender looking for new options for your team, we offer a compelling alternative to standard “branch” offerings. Confidential and serious inquiries can email Anjelica Nixt.
A very well capitalized, mid-sized IMB servicing 100 percent of its loans in-house without a sub-servicer, headquartered in a Rocky Mountain State, is looking to acquire smaller retail IMBs who would prefer to focus on production and at the same time gain operational efficiencies. Understanding that every company has a very unique culture, the IMB is willing to allow these IMBs to operate with a large degree of autonomy, allow you to keep your trade name, and treat you as your own company. Geography is not an issue. We believe that a larger company forcing their culture upon the company being acquired never works over the long term. The vision is for this IMB to hit $5 billion in annual volume with likeminded people, and it has no desire to grow beyond that volume as the President “wants to be big enough to be a player, yet small enough to keep our soul.” Confidential inquiries should be sent to Chrisman LLC’s Anjelica Nixt for forwarding.
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Update 6/30/24: The new 120k offer is now available via (newly generated) referral links (ht m16p). No referrals in the comments below.
The Offer
Southwest Business Performance | Southwest Business Premier
Southwest Rapid Rewards Premier Business Credit Card and Business Performance Credit Card are offering a signup bonus of up to 120,000 points:
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from your account opening.
Plus, earn an additional 40,000 points after you spend $15,000 on purchases in the first 9 months.
Offer slated to end 9/16/24.
Card Details
Premier:
$99 annual fee not waived the first year
Card earns the following rates:
3x for for every $1 you spend on Southwest Airlines purchases
2x points for every $1 you spend on Rapid Rewards hotel and car partners
2x points per $1 you spend on local transit and commuting, including rideshare
1x points for every $1 you spend on everyday purchases
Get 25% back on in-flight purchases
2 earlybird check-ins per year
Earn 1,500 tier qualifying points towards A-List status for every $10,000 spent, with no limit on the amount of TQPs you can earn
6,000 points anniversary bonus; the Plus earns 3,000 points anniversary bonus
Performance:
$199 annual fee (not waived first year)
Card earns at the following rates:
3x Southwest points per $1 spent on Southwest and Rapid Rewards hotel and car rental partner purchases
2x Southwest points per $1 spent on purchases in the following rewards categories: social media and search engine advertising; internet, cable, and phone services
1x Southwest points per $1 spent on all other purchases
Four upgrade boardings per year when available
Every anniversary year you will be reimbursed for the purchase of 4 upgraded boardings. Upgraded boardings are positions A1-A15. These can be purchased on the day of travel only at either the departure gate or ticket counter and aren’t always available. Price of these upgraded boardings varies based on the itinerary, I think it’s usually $30-$40.
The benefits of being in this boarding position is you may be able to get an exit row seat (and at worst you’ll get another seat you want) and you can find overhead bin space.
Anniversary year is defined as ‘the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year.’
Up to $100 Global Entry or TSA PreCheck Fee Credit
No foreign transaction fees
9,000 anniversary points each year
Inflight WiFi Credits, up to a total of 365 $8 credits per year for all WiFi transactions on the overall business card account
Earn tier qualifying points towards A-list status
See also these posts:
Our Verdict
We saw a similar offer last year, along with the high spend requirement to get the full bonus. I still consider it a nice offer for the large bonus and the fact that you’ll meet the 135,000 Companion Pass requirement with a single credit card signup.
Simply speaking, The Companion Pass timing isn’t ideal. Read this dedicated post where we broke down how it’s possible to delay signing up for the card until September and then get nearly two full years (2025 and 2026) of Companion Pass from this one card signup.
We’ll add this to our list of Best Credit Card Signup Bonuses. Before applying check out these 26 Things Everybody Should Know About Chase Credit Cards.
Each of us has our own agenda in terms of what makes stashing our cash away worthwhile. For some of us, it’s the anticipation of doing something fun or buying something beautiful. For others, it’s all about using our money to secure some quality of life and peace of mind.
Regardless of what gets you saving, whether you’re stashing funds to buy a new computer, a used convertible, a house, or even retirement funds to ensure your future, you’ll be honing your saving skills and likely boosting your financial wellness as well.
Why Saving Is Important
The importance of saving cannot be overstated; it’s a very big part of successful money management. Consistently putting away cash can make a major difference over time, especially in your quality of life. By planning and prioritizing what expenses to fund, you’ll have the means to achieve your goals. It’s incredibly rewarding when you make a plan for your money and then realize it.
To jumpstart your savings, try one or more of these creative strategies.
• Budget first. The mere mention of the word budget can stress some people out, but a budget is simply a plan for how you will spend your money. Having a strategy in place can really help keep your spending and savings on track. There are a number of methods you can use to budget, including the good old cash envelopes system and the 50/30/20 rule, as well as a number of mobile apps. Research your options online, and find the one that works best for you.
• Automate savings. One of the easiest ways to ensure you’re saving toward your goal may be to automate your savings. This can take much of the stress out of saving. For instance, you could set up an automatic bank transfer from your checking to your savings account every payday.
• Save consistently. Once you open a bank account, over time, you have a great chance of meeting your goal. Maybe it’s only $5 or $25 a pop, but contributing to your savings account regularly is vital. Be consistent and trust the process.
• Save bonuses, tax returns, and other unexpected windfall amounts. These extras can give your savings account a tremendous boost.
• Match your own purchases. For every amount that you spend on a treat, transfer that same amount into savings.
• Save every $5 bill. By setting aside every $5 bill you encounter (as change from a purchase, from an ATM, etc.), you can save quite a bit in a year’s time.
• Use the 30-day rule to control impulse purchases. Write down that shiny new thing you want, whether it’s a pricey new mobile phone or a designer bag, and wait 30 days to see if you still want it. You may find that your urge to spend on it has passed. If so, you can put the money you save this way into savings to fund something that’s on your wishlist.
Recommended: How Much of Your Paycheck Should You Save?
25 Smart Items to Save Up for
Spending money according to your own personal preferences — whether it’s a vacation, a new car, or a comfortable home for your family — should be the driving force behind your saving goals. This is how to make saving fun: Make a list of cool things to save up for. Create a vision board if you prefer; the idea is to entice yourself to perhaps pass up some unnecessary spending (takeout meals, a multitude of streaming services, and so on) and achieve those things you really crave. Not sure what to start saving for? Here are 25 ideas to get you going.
1. Vacations
You may have heard that vacations are good for both your physical and mental health. Even the act of looking forward to a vacation can improve your happiness. Whether the vacation you crave is a week at a nearby beach, a long weekend with your college besties, or a jaunt through Europe, the prospect of travel can be great motivation to save money.
2. Brand New Electronics
Buying new electronics isn’t just a leisure pursuit. New electronics can help with your productivity and ability to earn an income (or a higher one). It may be worth it to you to save for and invest in tools, such as a new laptop or video equipment, that can make your life better.
3. Starting a Business
If starting a business and becoming your own boss is a dream of yours, savings can go a long way toward making it happen. In fact, 82% of small businesses fail because of cash flow problems. Start accumulating capital so you can hopefully avoid becoming part of that statistic.
4. Home Maintenance
Keeping your home in tiptop shape can not only make living in it more enjoyable and enhance its looks and curb appeal, it can be helpful when you decide to sell it. Maintenance can include such things as getting your furnace and air conditioner checked regularly and getting your carpets cleaned, to lawn care, landscaping, and painting.
5. Weddings
This is a popular motivation to save. Most people dreaming of their big day know that it doesn’t come cheap. The average cost of a wedding in 2024 was about $33,000, according to one survey. Saving for this expense means you can celebrate the special day with loved ones, just the way you want to, while minimizing money stress.
6. Pet care
Owning a pet is enjoyable and rewarding, but it can also be expensive: The annual costs of owning a dog can run anywhere from $1,000 to more than $5,000. Pet care costs include, food, treats, veterinary bills, toys, grooming, and supplies such as beds, collars and leashes. Saving up for these expenses can help you enjoy your furry family member without being stressed out about paying for the things they need.
7. Brand New Car
Most people need wheels to get around, but cars aren’t just about function. Maybe you are dreaming of a low-slung sports car or an SUV that’s ready to offroad. When you get the keys to a new car, you’ll likely know that your time and energy spent saving was worth it.
8. Down Payment on a Home
Saving for a home is a top priority for many and for good reason. Home prices will typically rise 18% to 20% in the next five years, based on historical averages, meaning the value of your home will rise and likely continue to do so. Aside from the potential financial benefits, owning your dream home is a major boost to your and your family’s quality of life.
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9. Clothing and Shoes
There’s something about fresh clothes and shoes that can give you a psychological boost. For a household, costs averaged $1,434 for apparel for the year. Saving a little toward making yourself look good is one of the fun things you can save up for. It could be a whole wardrobe upgrade or a special splurge piece, but clothes can be excellent saving motivation.
10. Hobbies
If there’s something you enjoy doing in your free time, be sure to save enough money to fully invest yourself in the activity. Do you want a new acoustic guitar or perhaps a pottery wheel? Save for it. You may even be able to monetize your hobby or start a business from it.
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11. A Quality Mattress and Mattress Accessories
According to the Centers for Disease Control and Prevention (CDC), one out of three Americans don’t get enough sleep. Being deprived of sleep can have a major impact on how you feel and function. Which is all the more reason to save for the comfiest mattress you can find.
12. Exercise Equipment
The right exercise equipment can help you make your health a priority and work out regularly. It’s not cheap, though. Equipment can cost less than $20 for a kettlebell or thousands for a top-of-the-line rowing machine, exercise bike, or Pilates equipment.
13. Professional Lessons (Sports, Dancing, Cooking, etc.)
Whether you want to dance more smoothly or perfect your golf swing, saving toward developing those skills can bring a lot of joy and satisfaction.
14. College
So many people feel the thrill of pride and achievement when earning a college degree, and it can help fuel a career. But college is expensive. As of 2024, the average cost of college in the U.S. is more than $38,000 per student per year, according to the Education Data Initiative. Saving toward these expenses, whether for yourself or your dependents, can help them get the education they need and dampen the blow of the cost of education.
15. Quality Home Appliances
Maybe you’d like to remove that old eyesore of a dishwasher and replace it with a top-notch new one, or swap out your old washer/dryer for an eco-friendly new model. Or, say, a professional-grade stove is calling to you to live out your gourmet dreams. Once you get the appliance you were dreaming about, you’ll likely feel that saving for it was worthwhile.
16. Home Security
While it may not exactly be a cool thing to save up money for, a home security system can give you peace of mind. As a bonus, you may have fun doorbell footage to look at once you buy your system.
17. Jewelry
If you love shiny baubles, they can certainly be worth saving for. Maybe there’s a dream piece you’ve been pining for. With the cost of some custom jewelry ranging from about $500 to $10,000 or more, you’ll definitely want to have a plan to save for it.
18. Home Furniture
If you value updated and stylish furniture, you’ll want to put it on your list. New furniture can uplift the comfort, function, and look of your home. Not to mention, when (or if) you sell your home, it can possibly help your place fetch a higher sales price.
19. Events & Special Occasions (Concerts, Dinners, Sports Games, etc.)
Many of us look forward to making lifelong memories at special events, from a Taylor Swift concert to the Super Bowl to a local gala. These occasions can both entertain and help you feel connected to the people who accompany you. Indulging in tickets every now and then is an incredibly fun and cool thing to save up for.
20. Home, Car and Health Insurance
Putting money toward insurance premiums may not always be fun, but it may give you peace of mind. It helps you know that you’re covered in case of accidents, unexpected health problems, and natural disasters. Saving up to afford a policy is wise if you are, say, planning to buy a house or car or are prepping for a big live event, like marriage or becoming a parent.
21. Retirement
Saving for retirement is a critical part of your financial health. A Federal Reserve survey found that only 34% of adults felt their retirement savings were on track. If you want to give yourself a healthy cushion for some of the most vulnerable years of your life, you may want to add to your retirement savings. While it doesn’t give you a tangible payoff now, you may rest easier knowing you’re prepared for tomorrow.
22. Anniversaries
Have someone (or something) special you want to celebrate? Put aside some money to do it up right, especially if it’s a nice round number that’s coming up. It’s up to you whether the funds go towards a gift, a trip, or a special night out with friends and family.
23. Repairs and Remodels
Home improvements can make your home more comfortable and functional but they are likely a major expense. With the average remodel topping $41,600 in 2024, it will take quite a chunk of change to make it happen. Saving for this type of cost can help you turn your place into the showplace you know it can be.
24. Birthdays
Celebrating birthdays is a fantastic way to nurture the relationships in your life. Maybe it’s with a candlelit dinner or tickets to a show, but it can be a great excuse to save and then spend some cash.
25. Holidays
Creating holiday memories is important for many of us. Saving up for the holidays and seeing your vision for your family come to life can be incredibly rewarding. Americans spend around $866 each holiday season, according to data from the National Retail Federation; 71% of that goes toward gifts. Stashing some cash in advance can help alleviate stress during the most wonderful time of the year.
Banking With SoFi
Focusing on a wish-list item can give you the motivation and discipline to start saving. Of course, the savings goal will vary with each person. One person may want a trip to Bali, another may need a new car, and a third may be focused on getting a down payment together for a home.
Whatever the goal, opening a bank account and consistently depositing your cash into it to save for an important purchase can be a great way to help build your financial skills, improve your financial foundation, and elevate your quality of life.
Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.
Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall.* Enjoy up to 4.60% APY on SoFi Checking and Savings.
FAQ
How can I develop the mindset to save long-term?
To develop a mindset to save for the long term, be sure to start with a goal. Brainstorm some important, meaningful things to save up for. Then, automate regular transfers to your savings account. If you don’t see that money in your checking account, you likely won’t spend it.
Is saving money long-term hard?
Saving can be hard, and even a small amount stashed regularly can make a big difference in your financial wellness. The Federal Reserve Bank of St Louis reports that the personal savings rate in April 2024 was 3.6%. It may not be a huge amount, but it can be a good start.
How do I make saving money easier?
Saving money is easier when you have a plan in place. Automating money transfers to your savings account when your paycheck hits is one easy way to start saving towards a goal. You can also experiment with different budgeting methods to help “find” more money to put into your savings.
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4.60% APY SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.
As an alternative to direct deposit, SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.
SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.
SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.
Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.
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