Home » Instant Hot Deals
About DealHI.com
DealHI.com provide hot deals hourly and instantly to your browser, email and phone. Never miss out on hot deals again!
Sponsor Deals
We recently bought a new home. I had 20% down payment but at the last moment went with FHA loan since I was afraid with the Florida housing market. THis is our primary home. The lender assumed I did my homework and didn't question my move from 15 yr conventional to FHA loan. He thought I did my homework and just mentioned about the 1% FHA fee that is bundled into the loan. We thought this is fine since we are doing only 3.5% down payment.
My lender knew my credit score is 732 but still didn't question my move from conventional to FHA at the last moment.So we did the closing and I started working out plan for next 2 years. I always assumed that I'll wait for the market to steady in next 6-12 months and payoff to reach 78% LTV so that the FHA MIP goes away. Now, the following came as a big surprise to me1) The FHA MIP doesn't go away for 5 years
2) The FHA MIP amount stays the same even though the principal goes down every yearI am really upset about my move to FHA and I want to get out of it asap. Loan is $283K and 3.75% fixed interest FHA
P+I = $1274
MIP = $259I asked my lender that he should have atleast advised me to do 5% conventional with PMI. That PMI would have been $165 plus I would anytime give away remaining principal to reach 78% LTV and get rid of PMI. Also, my lender told me that I shouldn't be that upset because conventional interest rates are more than FHA. I really need some guidance here as I am a first time home buyer and went wrong with my first big financial move.Should I refinance to 15-year conventional right away or refinance to 15 year FHA which gives me the option to pay off and get rid of MIP?Please advice!! Thanks
My lender knew my credit score is 732 but still didn't question my move from conventional to FHA at the last moment.So we did the closing and I started working out plan for next 2 years. I always assumed that I'll wait for the market to steady in next 6-12 months and payoff to reach 78% LTV so that the FHA MIP goes away. Now, the following came as a big surprise to me1) The FHA MIP doesn't go away for 5 years
2) The FHA MIP amount stays the same even though the principal goes down every yearI am really upset about my move to FHA and I want to get out of it asap. Loan is $283K and 3.75% fixed interest FHA
P+I = $1274
MIP = $259I asked my lender that he should have atleast advised me to do 5% conventional with PMI. That PMI would have been $165 plus I would anytime give away remaining principal to reach 78% LTV and get rid of PMI. Also, my lender told me that I shouldn't be that upset because conventional interest rates are more than FHA. I really need some guidance here as I am a first time home buyer and went wrong with my first big financial move.Should I refinance to 15-year conventional right away or refinance to 15 year FHA which gives me the option to pay off and get rid of MIP?Please advice!! Thanks
There doesnt seem to be a thread strictly dedicated to credit cards with frequent flyer mile bonuses, and I thought it would be nice to have a one stop shopping experience for Frequent Flyer Mile (Not) Arbitrage. I just completed a FFM AOR, but had to search tirelessly through different threads and Google searches to find some of the better deals. I literally did hundreds of searches and cruised through countless threads for an entire day at work.This thread is for people who want the following:
- Bonus Miles of 25k or greater
- Maximum spend requirement of $3k within three months (ideally after first purchase)
- First year annual fee waived, or maximum of $100 for first yearThe following are nice, but since these are often not our primary cards, and we will probably cancel the card before the first annual fee, they dont matter a great deal to us:
- Low purchase APR
- No foreign exchange fees
- Points per $1 spentIdeally, this will be a self-sustaining topic: the Member Summary gets updated by FatWallet Members as deals come and go. With that in mind, lets try to limit the Member Summary to cards with the above wants.Ive got the list started with the best of the best I was able to scrounge up. Today I applied for United MileagePlus Explorer (app being reviewed), Southwest Rapid Rewards Premier (app being reviewed), and the Citi ThankYou Premier Card (instant approval). I basically applied for 150k bonus miles, with only a $99 annual fee on SW, and total spend minimum of $2,500 within 3 months. With a credit score of over 800, I dont ever recall not getting instant approval, so while this hurt, I am still hopeful and will keep you updated. Last year my 3 card FFMA AOR successfully yielded me 130k miles with no annual fees, and $2,500 spend within 4 months.In summary, this thread is for people who just love to travel and want serious bonus miles! So to continue our glorious free trips, I need you FatWallet members to help me, help you.Master List that I will update:Citi ThankYou Premier Card:
50,000 bonus ThankYou Points after you make $2,500 in purchases within the first 3 months.
Annual Fee: $125, waived for the first year.United MileagePlus Explorer (Chase):
50,000 bonus miles after your first purchase.
Annual Fee: $95, waived for the first year.
Important: to see the offer, you need to make sure that you first login to your United Mileage Plus account, and that you have miles in the account (any minimal amount is OK). Then, the homepage at United should show that 60k offer. Without these steps, you will only be seeing a 40k offer.Southwest Airlines Rapid Rewards Premier Card (Chase):
50,000 bonus points after your first purchase - that's over $800 in Wanna Get Away Fares that can be redeemed for 2 free roundtrip flights.
Annual Fee: $99.Chase Sapphire Preferred:
50,000 bonus points after you make $3,000 in purchases within the first 3 months.
Annual Fee: $95, waived for the first year.Gold Delta SkyMiles (Amex):
30,000 bonus miles after you make $500 in purchases within the first 3 months.
Annual Fee: $95, waived for the first year.Citi Platinum Select AAdvantage Visa Signature:
30,000 AAdvantage bonus miles after you make $750 in purchases within the first 4 months.
Annual Fee: $85, waived for the first year.Citi Platinum Select AAdvantage Visa Signature:
50,000 AAdvantage bonus miles after you make $3,000 in purchases within the first 4 months. $150 travel credit, 2 AA club passes.
Annual Fee: $85, waived for the first year.
- Bonus Miles of 25k or greater
- Maximum spend requirement of $3k within three months (ideally after first purchase)
- First year annual fee waived, or maximum of $100 for first yearThe following are nice, but since these are often not our primary cards, and we will probably cancel the card before the first annual fee, they dont matter a great deal to us:
- Low purchase APR
- No foreign exchange fees
- Points per $1 spentIdeally, this will be a self-sustaining topic: the Member Summary gets updated by FatWallet Members as deals come and go. With that in mind, lets try to limit the Member Summary to cards with the above wants.Ive got the list started with the best of the best I was able to scrounge up. Today I applied for United MileagePlus Explorer (app being reviewed), Southwest Rapid Rewards Premier (app being reviewed), and the Citi ThankYou Premier Card (instant approval). I basically applied for 150k bonus miles, with only a $99 annual fee on SW, and total spend minimum of $2,500 within 3 months. With a credit score of over 800, I dont ever recall not getting instant approval, so while this hurt, I am still hopeful and will keep you updated. Last year my 3 card FFMA AOR successfully yielded me 130k miles with no annual fees, and $2,500 spend within 4 months.In summary, this thread is for people who just love to travel and want serious bonus miles! So to continue our glorious free trips, I need you FatWallet members to help me, help you.Master List that I will update:Citi ThankYou Premier Card:
50,000 bonus ThankYou Points after you make $2,500 in purchases within the first 3 months.
Annual Fee: $125, waived for the first year.United MileagePlus Explorer (Chase):
50,000 bonus miles after your first purchase.
Annual Fee: $95, waived for the first year.
Important: to see the offer, you need to make sure that you first login to your United Mileage Plus account, and that you have miles in the account (any minimal amount is OK). Then, the homepage at United should show that 60k offer. Without these steps, you will only be seeing a 40k offer.Southwest Airlines Rapid Rewards Premier Card (Chase):
50,000 bonus points after your first purchase - that's over $800 in Wanna Get Away Fares that can be redeemed for 2 free roundtrip flights.
Annual Fee: $99.Chase Sapphire Preferred:
50,000 bonus points after you make $3,000 in purchases within the first 3 months.
Annual Fee: $95, waived for the first year.Gold Delta SkyMiles (Amex):
30,000 bonus miles after you make $500 in purchases within the first 3 months.
Annual Fee: $95, waived for the first year.Citi Platinum Select AAdvantage Visa Signature:
30,000 AAdvantage bonus miles after you make $750 in purchases within the first 4 months.
Annual Fee: $85, waived for the first year.Citi Platinum Select AAdvantage Visa Signature:
50,000 AAdvantage bonus miles after you make $3,000 in purchases within the first 4 months. $150 travel credit, 2 AA club passes.
Annual Fee: $85, waived for the first year.
Wife gets the FR call today. She has a few accounts with 30+ CL. I also have several cards. Will complying trigger an FR for me? Our income on our last tax return was <45K. Should all the cards be cancelled, or go along with it. I know this has been covered on several other websites, I just want the FWF advice...
Titan iPad 2 Protective Case With Integrated Wireless Bluetooth Keyboard $25 Shipped @ 1 Sale
Added on : Friday January 27th 2012 07:07:25 PM
http://1saleaday.com/
FatWallet Welcomes Bloom.com with 30% Back First Purchase 6.0% Cash Back!
Added on : Friday January 27th 2012 07:03:49 PM
1 Posted By: FatWallette
Views: 708 Replies: 1
A social beauty store that's revolutionizing the way you buy beauty products. Personalize your shopping experience with Best4You recommendations based on unbiased feedback from women who are your beauty matches. 6.0% Cash Back Available!
Special Offers from Bloom.com:
30% Back First Purchase Code: 30BACK Cash Back
Free Shipping Both Ways Cash Back
Bloom.com Coupons & Cash Back!Use of coupons without FatWallet's Cash Back designation can void Cash Back.
6.0% FatWallet Cash Back Available!
Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email
Views: 708 Replies: 1
A social beauty store that's revolutionizing the way you buy beauty products. Personalize your shopping experience with Best4You recommendations based on unbiased feedback from women who are your beauty matches. 6.0% Cash Back Available!
Special Offers from Bloom.com:
30% Back First Purchase Code: 30BACK Cash Back
Free Shipping Both Ways Cash Back
Bloom.com Coupons & Cash Back!Use of coupons without FatWallet's Cash Back designation can void Cash Back.
6.0% FatWallet Cash Back Available!
Receive the Hot Deals and Offers Added Each Day by Email!
Subscribe to the FatWallet Daily Email
Nestle Butterfinger Funsize, 12.5-Ounce Bags (Pack of 6 bags) $11.61 Amazon
Added on : Friday January 27th 2012 07:03:35 PM
Nestle Butterfinger Funsize, 12.5-Ounce Bags (Pack of 6) $11.61 AmazonThat's 75 ounces (or 4.69 lbs.)of chocolate for you!
Butterfinger deal on AmazonI bought these to take to a Super Bowl party. No way do I want to keep these laying around my house. LOL
Butterfinger deal on AmazonI bought these to take to a Super Bowl party. No way do I want to keep these laying around my house. LOL
Leberna 10 Foot X 10 Foot Four to Five Person Camping Dome Tent $79.99 Shipped Amazon
Added on : Friday January 27th 2012 07:03:34 PM
http://www.amazon.com/dp/B003OA1BR4/
TextFree Shipping w/$150+ order
Recertified Netgear Powerline Network Adapter $14.99 Shipped at Newegg
Added on : Friday January 27th 2012 07:03:32 PM
NETGEAR XET1001-100NAR Powerline Network Adapter Up to 85Mbps
Refurbished$14.99 w/ coupon code EMCNJHC34
Free Shipping
At Newegg.comLink
Refurbished$14.99 w/ coupon code EMCNJHC34
Free Shipping
At Newegg.comLink
XBOX 360 Call of Duty Modern Warfare 3 Limited Edition 320GB Console w/2 Controllers $279.99 Shipped @ Newegg
Added on : Friday January 27th 2012 07:03:32 PM
Microsoft XBOX 360 Call of Duty Modern Warfare 3 Limited Edition 320GB Console
Includes Game + 2 wireless MW3 controllers, wired headset,and one month subscription to Xbox LIVE GoldLink
Includes Game + 2 wireless MW3 controllers, wired headset,and one month subscription to Xbox LIVE GoldLink
Skullcandy Icon 2 On Ear Headphones w/ Mic and Limited Lifetime Warranty $11.99 Shipped
Added on : Friday January 27th 2012 07:03:32 PM
Text
CORSAIR 8GB (2x4GB) Corsair DDR3 1333 Laptop Memory CMSO8GX3M2A1333C9 $22.99 After $25 Rebate Free In Store Pickup - Fry
Added on : Friday January 27th 2012 07:03:31 PM
add to cart for $47.99
$25MIR (Ends 02/02)
Text
$22.99
Free in Store PickupText
$25MIR (Ends 02/02)
Text
$22.99
Free in Store PickupText
http://www.amazon.com/dp/B000FOPPBA/
walkers short bread tins 50% off plus free shipping over 25$.HURRY!
Added on : Friday January 27th 2012 07:03:31 PM
WALKERS from Scotland is providing 50% off today on their short bread special tin items...and use code LOVE2012 in the first page of checkout on top left hand corner of the pagelink to the three items...see on top of pagePath to the Hills (Assorted Shortbread) Regular price: 12.99$...Today's price: 6.49$
Chocolate Chip Shortbread Regular price: 12.99$...Today's price: 6.49$Robert Burns (Assorted Shortbread) Regular price: 14.99$...Today's price: 7.49$add one more of these tin items to bring your total over 25$ and then in the check out first page add LOVE2012 code to get free shipping......HURRY IT'S STOCKING TIME...EXPIRY DATE: END OF FEB 2013
Chocolate Chip Shortbread Regular price: 12.99$...Today's price: 6.49$Robert Burns (Assorted Shortbread) Regular price: 14.99$...Today's price: 7.49$add one more of these tin items to bring your total over 25$ and then in the check out first page add LOVE2012 code to get free shipping......HURRY IT'S STOCKING TIME...EXPIRY DATE: END OF FEB 2013
Seagate 3tb USB 3 expansion Hard drive $169.99 Amazon
Added on : Friday January 27th 2012 07:03:29 PM
Amazon has Seagates 3tb Expansion at $169.99. Lowest this has been in about 2 months. check it out. Good deal if you are in the market.http://www.amazon.com/Seagate-Expansion-Desktop-External-STAY300...
bluenile - Love Saves You 10% on Her Valentines Day Gift
Added on : Friday January 27th 2012 07:03:29 PM
A fool in love can save 10% on the perfect Valentine's Day gift and put more in your pocket for a day she'll always remember.
Use code BLUE12 at checkout.* Terms & Conditions:
* Offer valid on full-price jewelry items excluding sale merchandise, loose diamonds, Build Your Own Diamond Jewelry, watches, gift certificates, and polishing cloth purchases. Reference code BLUE12 MUST be entered in cart or mentioned over phone at time of purchase. Offer may not be combined with any other offer and cannot be applied retroactively. Void where prohibited. Offer valid through midnight PT on Sunday, February 5, 2012.
Use code BLUE12 at checkout.* Terms & Conditions:
* Offer valid on full-price jewelry items excluding sale merchandise, loose diamonds, Build Your Own Diamond Jewelry, watches, gift certificates, and polishing cloth purchases. Reference code BLUE12 MUST be entered in cart or mentioned over phone at time of purchase. Offer may not be combined with any other offer and cannot be applied retroactively. Void where prohibited. Offer valid through midnight PT on Sunday, February 5, 2012.
Logitech Webcam C260 Dented Box 997-000175 $13.99 Shipped
Added on : Friday January 27th 2012 07:03:28 PM
add to cart for $24.99
$11 off coupon logi_c260_12712
$13.99
Free Shipping Text
$11 off coupon logi_c260_12712
$13.99
Free Shipping Text
Duke Nukem Forever Xbox 360 or PS3 Game $5.99 Shipped
Added on : Friday January 27th 2012 07:03:27 PM
XBOX 360
PS3
PS3
While at HD today I found this workbench on clearance for $39.I picked one up for my kids to use for their projects.
* 48 in. long and 24 in. wide for ample working space
* Ball-bearing drawer glides for convenience
* 3 wooden shelves provide excellent tool storage
* Pegboard offers convenient tool storage4.5/5 stars - 16 reviewssku 510320
* 48 in. long and 24 in. wide for ample working space
* Ball-bearing drawer glides for convenience
* 3 wooden shelves provide excellent tool storage
* Pegboard offers convenient tool storage4.5/5 stars - 16 reviewssku 510320
Sirius Free Preview Feb 1 - 14 (Radio, Mobile, Online) + 6 months/$25 for previous subscribers
Added on : Friday January 27th 2012 07:03:24 PM
http://www.siriusxm.com/listen3
Sirius Free Preview Feb 1 - 14. Listen on your Radio, Mobile, or Online. Also, there is an offer for 6 months for $25.Got the same flier in the mail as a past customer.
Sirius Free Preview Feb 1 - 14. Listen on your Radio, Mobile, or Online. Also, there is an offer for 6 months for $25.Got the same flier in the mail as a past customer.
$50 after MIR BIOSTAR TA870U3+ AM3 AMD 870 SATA 6Gb/s USB 3.0 ATX AMD Motherboard
Added on : Friday January 27th 2012 07:03:24 PM
LINK!!!$50 after MIR Good deal on a biostar motherboard. not the greatest motherboards out there i would actually say there bottom of the line but they do the job most of the time. and for a budget system there a decent choice. and with 2 way crossfire and usb 3.0 ifs a nice deal
12 Pack Tradewinds Lemonade Tea, 20-Ounce $7.83 Shipped Amazon
Added on : Friday January 27th 2012 07:03:21 PM
add to cart for $9.21
15% off Subscribe & Save
$7.83
Free shipping http://www.amazon.com/dp/B004KPHZ86/
15% off Subscribe & Save
$7.83
Free shipping http://www.amazon.com/dp/B004KPHZ86/
Olympus FE-4030 14 Megapixel Digital Camera White $69.99 Shipped
Added on : Friday January 27th 2012 07:03:16 PM
Text
TextThese things are hard (at least for me) to find on sale.
spotted this at SD and didn't se it posted here.
i was able to get a std suv at MIA (miami airport)in may/june,
Standard SUV Chevrolet Equinox or similar,
Base Rate and Charges
$259.67 USD for a week,
used code MUWA130 which should get me another $35 off Get an Intermediate SUV for $159 per week/$22 per weekend day or a Standard SUV for $169 per week/$25 per weekend day. Use Avis discount AWD S767700 for rental pickup by 6/30/12. Valid at airport and off airport locations, may require Saturday night keep, blackouts apply.adding coupon MUWA130 is suppose to get me an extra $35 off and they state that will happen at the counter.Terms & ConditionsIntermediate SUV for $22 a weekend day or $149 a weekly rental
Standard SUV for $25 a weekend day or $169 a weekly rental
AWD # S767700 Offer can be reserved now for pickup by 6/30/12 at participating Avis locations in the contiguous U.S. excluding New York. The offer is valid on Intermediate SUV (group F) and Standard SUV (group W). Offer applies to weekend and weekly rates; weekly rates require a five consecutive day minimum rental and a 14-day maximum rental. A Saturday night keep is required. The weekend rental period begins Thursday at noon and car must be returned by Monday 11:59 p.m. or higher rate may apply. A Saturday night keep is required. To use this offer, reservation must be booked 24 hours in advance of pickup. Please use AWD S767700 to take advantage of this offer. Offer subject to vehicle availability at the time of reservation and may not be available on some rates at some times. Offers may not be available during holiday and other blackout periods; rate surcharges apply during peak periods. Blackouts include, but may not be limited to the following: Boston, FL, CO. 2/1 2/5: Indianapolis. 2/9 3/18: Ski Locations in DEN, COS, ASE, EGE, GJT, GUC, HDN, MTJ, DRO, CYS, RKS, JAC, SLC, BOI, IDA, PIH, SUN, TWF, BTM, BZN, GTF, HLN, SAF, ABQ, FMN, RNO, DN2, SL1, MU2, UT1. 2/9 2/15: Ski Locations in PDX, RDM, SEA, SE4, B3S. 2/16 2/27: Fl, AZ. 2/23 2/26: Orlando, FL. 2/16 2/21: Denver, Salt Lake City, Reno. 3/29 4/2: New Orleans, LA. 4/5 4/8: Florida 3/29 4/8: Fl, AZ. 4/16 4/26: Raleigh. 5/3 5/5: Louisville Dist. 5/24 5/28: Boston, Indianapolis, Charleston Dist. 6/28 7/1: Fl, Seattle. 6/28 7/5: BOS OPS, Charleston Dist Chicago, Minneapolis, Pittsburgh. Rates are non-discountable; they may not be combined with any other AWD number, coupon, discounted rate or promotional offer. Renter must meet Avis age, driver and credit requirements. Minimum age is 25, but may vary by location. An additional daily surcharge may apply for renters under 25 years old. Offers are based on US currency. Vehicle must be returned to renting location. Taxes, concession recovery fees, vehicle license recovery fee, customer facility charges may apply and are extra. Optional products such as LDW ($29.99/day or less) and refueling are extra. Rental must begin by 6/30/12.
i was able to get a std suv at MIA (miami airport)in may/june,
Standard SUV Chevrolet Equinox or similar,
Base Rate and Charges
$259.67 USD for a week,
used code MUWA130 which should get me another $35 off Get an Intermediate SUV for $159 per week/$22 per weekend day or a Standard SUV for $169 per week/$25 per weekend day. Use Avis discount AWD S767700 for rental pickup by 6/30/12. Valid at airport and off airport locations, may require Saturday night keep, blackouts apply.adding coupon MUWA130 is suppose to get me an extra $35 off and they state that will happen at the counter.Terms & ConditionsIntermediate SUV for $22 a weekend day or $149 a weekly rental
Standard SUV for $25 a weekend day or $169 a weekly rental
AWD # S767700 Offer can be reserved now for pickup by 6/30/12 at participating Avis locations in the contiguous U.S. excluding New York. The offer is valid on Intermediate SUV (group F) and Standard SUV (group W). Offer applies to weekend and weekly rates; weekly rates require a five consecutive day minimum rental and a 14-day maximum rental. A Saturday night keep is required. The weekend rental period begins Thursday at noon and car must be returned by Monday 11:59 p.m. or higher rate may apply. A Saturday night keep is required. To use this offer, reservation must be booked 24 hours in advance of pickup. Please use AWD S767700 to take advantage of this offer. Offer subject to vehicle availability at the time of reservation and may not be available on some rates at some times. Offers may not be available during holiday and other blackout periods; rate surcharges apply during peak periods. Blackouts include, but may not be limited to the following: Boston, FL, CO. 2/1 2/5: Indianapolis. 2/9 3/18: Ski Locations in DEN, COS, ASE, EGE, GJT, GUC, HDN, MTJ, DRO, CYS, RKS, JAC, SLC, BOI, IDA, PIH, SUN, TWF, BTM, BZN, GTF, HLN, SAF, ABQ, FMN, RNO, DN2, SL1, MU2, UT1. 2/9 2/15: Ski Locations in PDX, RDM, SEA, SE4, B3S. 2/16 2/27: Fl, AZ. 2/23 2/26: Orlando, FL. 2/16 2/21: Denver, Salt Lake City, Reno. 3/29 4/2: New Orleans, LA. 4/5 4/8: Florida 3/29 4/8: Fl, AZ. 4/16 4/26: Raleigh. 5/3 5/5: Louisville Dist. 5/24 5/28: Boston, Indianapolis, Charleston Dist. 6/28 7/1: Fl, Seattle. 6/28 7/5: BOS OPS, Charleston Dist Chicago, Minneapolis, Pittsburgh. Rates are non-discountable; they may not be combined with any other AWD number, coupon, discounted rate or promotional offer. Renter must meet Avis age, driver and credit requirements. Minimum age is 25, but may vary by location. An additional daily surcharge may apply for renters under 25 years old. Offers are based on US currency. Vehicle must be returned to renting location. Taxes, concession recovery fees, vehicle license recovery fee, customer facility charges may apply and are extra. Optional products such as LDW ($29.99/day or less) and refueling are extra. Rental must begin by 6/30/12.