Pepper Rewards Review: 5% Back on Gift Cards - HYPE WORTHY?

 

Are you looking for an easy way to save money when buying stuff on Amazon, dining out,  or even buying groceries? Well in this video, we’re going to be looking at the  app Pepper Rewards, which offers instant rebates on digital gift card purchases Hey everyone this is Kyle from Fioney - your financial resource  for a changing world. For cashback app reviews, travel tips, and more,  be sure to subscribe and thanks for hitting that like button. A few months ago, the app Pepper Reward celebrated its official launch and instantly gained some buzz. And, spoiler alert, after checking it out for myself, I can see why.

So, what does Pepper offer and what makes it so awesome? Let’s take a look at what you to know about the app. The first things to know about Pepper are how to find the app and how to sign up If you search the name Pepper in the app store, you’ll probably get a bunch of results that aren’t the app in question. Instead, I’d recommend searching Pepper Rewards in the App Store or Google Play Store to make it a bit easier.

After you download the app, you can start the sign-up process by providing an email address  and your name.

This is also where you’ll enter a referral code if you have one — but, more on that later. Of course, you’ll also create a password for your account. After that, you’ll also enter your zip code and your phone number, which you’ll verify via an SMS code. Once you’ve created an account, the next step is to add a form of payment you’ll use for your purchase. Pepper does accept Visa, Mastercard, American Express, and Discover.

On that note, now’s a good time to mention that gift card purchases from the app will show as Pepper and will not code to the gift card’s brand category. One other thing to mention is that Pepper is actually a rebrand  of a previous app called Moochoo that had a very similar premise,  but the updated Pepper app does include some improvements that make it even easier to use.

Next, Pepper features gift cards from a lengthy list of brands - all offering 5% back In the app, you’ll find gift card offered from such brands as Amazon, Lowe’s, Walmart,  Target, Chipotle, and many many more. Since the list of brands is so long,  you may want to try using the category filters  that Pepper provides or do a search for the gift card option you’re looking for.

Once you find a gift card you want to buy, just tap the logo and then enter the amount you want.

Keep in mind that the minimum purchase amount may vary - with Amazon’s being just $1 while Delta’s is $50. It also seems that most purchases are limited to $500. Other than those restrictions, you can enter any amount you want. Then, you can complete the purchase by hitting buy gift card.

Once your transaction is complete, Pepper will display your gift card info,  including the card number, a PIN if applicable, and a scannable barcode.

The lattermost option  is nice if you plan on using your gift card in store. If you end up navigating away from this  screen before you're ready - never fear- as you can access your previously purchased gift cards  by tapping the profile icon on the right, going to transaction history, and selecting which card you  want to see. Even better, from this section, you can quickly check the balance of certain cards. When you purchase gift cards on Pepper, you’ll earn Points that can then be redeemed for more gift cards As I mentioned, when you purchase gift cards on Pepper, you’ll earn 5% back. However, this amount will come in the form of Pepper Points.

For every $5 you spend in gift cards, you’ll earn 1 Point. So, a $100 gift card purchase would net you 20 points. Then, these points can be redeemed at a value of a quarter each, meaning that 20 points equals $5.

When you’re ready to redeem your Points, just select which brand you want to buy a gift card  from. Then, tap the + button and select how many points you want to apply toward  your purchase.

At this time, you can only do this in $5 or 20 point increments. Also,  once points are applied, it doesn’t seem as though there’s a way to remove them. From there,  you can either purchase a gift card using only your redeemed points or can buy a larger card,  with the Points discounting your total. Also, if you do opt for the latter, you’ll still earn points on the non-redemption  part of your purchase. So, if you apply 20 points toward the purchase of a $50 gift card,  you’d earn 9 points on the $45 difference.

In addition to the regular 5% back, Pepper also runs occasional bonuses or discounts Since I first joined Pepper, I’ve seen an increasing number of special offers in a couple  of different forms. For one, the app offered bonus Points when you spent $125 or more on cards from select brands.

Meanwhile, they’ve also run instant discount deals for certain brands, including this Uber and Uber Eats promotion where you could save 10% off the purchase of a gift card or these deals where you’d get $7 off a $25 card. Plus, you still earn the regular 5% on top of these offers. Although it’s hard to predict exactly when more offers will arise and what they’ll be for,  if these early deals are anything to go by, it’s certainly worth keeping an eye out.

Finally, let’s talk about Pepper’s current referral bonus As a Pepper user, you can earn rewards by referring friends — and they may be able  to earn a bonus as well.

First, to refer someone, head to your profile page and  look for your six digit code. Then, have your friend or loved one us that number at sign-up. Currently, at the time that I’m shooting this video in March 2024,  Pepper customers who refer friends can earn a $20 bonus when the referred user makes at  least $100 in purchases in the app within 15 day of joining. As for the person being referred,  they’ll currently earn double points for their first 15 days,  meaning 10% back on all purchases.

That said, these offers are subject to change. OF course, if you want to potentially score a bonus for yourself and support Fioney at the same  time, feel free to use our Pepper referral code by entering 587870 when you sign up for the app. Overall, I’ve been really impressed with Pepper, including the list of brands and  how easy it is to use. Most of all, I love the instant gratification when it comes to rewards. Honestly, in my opinion, Pepper lives up to the hype it gained upon launch.

With the  ability to earn 5% back on gift card purchases and immediately redeem those points for gift cards,  I’ve really enjoyed using the app so far. In particular, I’ve taken to purchasing  Sam’s Club gift cards for my total shopping trip amount and then pasting the gift card  number into the store’s Scan and Go feature for an easy check out experience.

Similarly,  I recently bought a lawnmower at Lowe’s and was able to buy a gift card just  before checking out and have them scan my phone to redeem it. In both cases,  I was then able to take the Points I received and turn them into gift cards for Amazon. My only fear is that, as someone who’s seen his fair share of personal finance apps get  nerfed over time, I wonder if Pepper can sustain the current level of deals.

But,  in the short term, it seems the company only has plans to expand, with their website noting  an upcoming desktop browser extension and even an expense tracking feature. In any case, I’m all for this current version of Pepper and  will continue to be a regular user of the app for the foreseeable future.

Hopefully this gives you a better idea about what Pepper Rewards is all about but for more on the app, I’ll have a link to my full written review in the description box down below. Also, if you have a gift card cashback app you prefer, I’d love to know what it is - so go ahead and share it in the comments. So, thanks again for watching and I’ll see you next time here on Finney.

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How to Stop Overspending - 5 Tips for Compulsive Buying Disorder

 

So, we all have those moments when we’re feeling down. Well guess what can make you feel better almost immediately? Spending money. You got it! It turns out that for the most part, we all like shopping – even when we’re buying things we don’t really need.

When we’re feeling depressed going to the mall on a spending spree can give you a feeling of relief. It feels good – so much better than having to deal with all your problems. It’s kind of like a drug. But what can start out as an innocent habit of some “retail therapy” can lead to a shopping obsessing and even a full blown addiction. This addiction can give you major money problems – financial stress from running up your credit cards and even relationship problems because we might try to hide our spending from others.

At it’s worse we might even be tempted to steal money from our retirement accounts or even from family members to feed a shopping obsession. So how do you handle the urge to go shopping? In this video, I give 5 tips for how to stop spending money. Coming up! Hey, I’m Dr. Brad Klontz! On this channel, we help you transform your relationship with money, master the psychology of wealth, and live a life of abundance! So, if you’re new here, please subscribe and click the bell so you don’t miss anything! 

So, Tip Number 1: Ask Yourself, why are you shopping? Sure, it does feel good, but why are you doing it?

Are you trying to fill an emotional need by shopping? Are you feeling lonely? Sad?

 Depressed? Angry?

For many of us, that’s exactly happening. We’re trying to fill a void in our life. So why are you shopping? Tip Number 2: Embrace Your Emotional Needs. So, we’ve established that you are spending to fill an emotional need.

So, I want you to embrace your emotional needs. What are some better ways to fill that sense of emptiness inside, or to help you feel less alone or less stressed? How about talking to a friend, or journaling about your feelings, or even cuddling with someone you love.

How about going for a jog, or just having a good cry? Work on finding other ways – better ways - to help you satisfy your emotional needs.

Tip Number 3: Leave Your Credit cards at home. So when you DO go out shopping, take cash with you and leave your cards at home. Research shows we spend about 30% less when we use cash. It hurts slapping down those 20-dollar bills on stuff we don’t need. Tip Number 4: Hit the Mental Pause Button.

By this I mean try to put some time between your impulse to buy and pulling the trigger.

 Hitting the mental pause button can really help a lot. Jot these questions down on “Notes” on your phone and read them before you hit the check-out counter: DO I really need this? Do I have room for this? What if I wait to buy this?

How will I feel about this tomorrow? Take some time to answer these questions. It will really help you slow down and will stop your spending. Then if you decide you need it.
Buy it tomorrow.

Not today. This is a huge power tip. When your emotions fade, chances are you won’t buy it after all. Buy it tomorrow is a great psychological hack. Try it out for yourself.

Tip Number 5: Are you stuck? Then ask for help. If these tips aren’t enough to help shift your spending behaviors, and you feel stuck, then please ask for help. Sometimes shopping can become an addiction – what we call a compulsive buying disorder. If left unchecked, this can have devastating consequences.

But like other addictions, the great news is that it can be treated. So if you have difficulty controlling your spending and it’s causing you problems in your life, seek the help of a therapist or a support group such as Debtors Anonymous. I have links to some resources in the description below. Question for you: If you’re vulnerable to overspending, what’s one thing you can do differently based on these 5 tips. Write it down and put it into action this week.

Special thanks to the Heider College of Business at Creighton University for helping sponsor this channel. If you like this video, give it a "thumbs up," and if want to see more like it, please subscribe.

And make sure to check the video description below for links and resources. I’ll see you next time!

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Cyber Security for kids | Internet Safety Tips for Kids | Internet safety for Kids | Internet safety

 

The internet is like a web that connects millions of computers worldwide. With the internet it's possible to access almost any information, communicate with anyone else in the world and do much more. You can do all of this by connecting a computer, a tablet or phone to the internet a phone connected to the internet. It is like the world at your fingertips! the internet can be a fun place but at the same time it can be a dangerous place to be in if you are not careful!

Internet thieves who are also known as cyber criminals can break into your computer and steal your personal data Now let's learn about staying safe on the internet tip number one, do not open emails from strangers! email is a message that is sent and received using computers It is an important form of fast communication that allows people to contact one another and share information all over the world.

But you must be very careful when you open an email from strangers. some emails can contain computer viruses that can infect your computer and wipe the entire data from your computer. always check within adults before opening emails from strangers.

tip number two you never share your password with others. password is a secret word or phrase that a person must know to be allowed to enter a computer system. You should always try to use longer password password must always be a secret. In the digital world the bad guys are called cyber criminals. if they can figure out a person's password, they can access their private information using that password.

Now let me ask you something. Do you share your toothbrush with others? No! correct? Passwords are like your toothbrush!

You never share your password with others! You can share chocolate, but not your password Tip number three Beware of fake or misleading information! Please be aware that the things that you read online are not always true! So, you must check the information with a parent or teacher.

Tip number four keep your private information safe!

Privacy is very important, do not share your personal information on the internet. do not share the information such as your name, phone number, address, email, school name, your parents work address, telephone numbers, credit card information, your pictures, your passwords, on the internet. always ask your parents' permission before doing so. Tip number five, Limit your screen time online. You should always limit your screen time there is time for screens, but not at the expense of time for physical activities.

Internet can be very addictive and being on internet all the time can create other problems such as obesity, insufficient sleep etc please subscribe thank you for watching bye.

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Bonus: AI Words to Avoid

Predators Targeting Minors With Dating Apps & Combating Hotels Profiting From Human Trafficking

 

Congress has announced an investigation into the safety of dating apps for reportedly allowing registered sex offenders and minors to use free digital dating services. The investigation comes in response to media reports about sexual predators using dating apps to lure and attack minors. RTs Brigida Santos joins me now with another one of her stories. She's always at the edge of a story like this, so give me the edge on this one, Brigida. The, you know, I saw, we saw stories like this about six months ago and then they disappeared.

Now this story is back in, in play because people, people are now saying, let's investigate. What's your take on this story? Yeah. Yeah, and at least there is an investigation right now. The chairman of the subcommittee on economic and consumer policy has launched an investigation into the use of free online dating services by minors and the presence of sexual predators on those same dating sites.

The inquiry comes in response to those reports that you were talking about, that many popular dating apps are allowing registered sex offenders to use them while the paid versions of those same apps screen out those registered sex offenders. The committee has asked several dating services to produce documents about their policies and procedures for determining and verifying the age of their users, whether registered sex offenders or people convicted of violent crimes can use their platforms, how they determine whether someone is a minor or a sex offender, and to submit all consumer complaints related to minors, statutory rape, sexual assault, or rape. Some dating services that have been asked to deliver those documents include the Meet Group, Grinder and Bumble as well as the Match Group, which owns most major online dating services, including Tinder, OkCupid, Hinge, and Plenty of Fish.

You know, Brigida, I remember doing this story, maybe God, it seems like a year ago, and what we were hearing is, well, you know, you're giving us anecdotal information. These are just hypothetical stories.

These aren't real life stories. You're, you're, you're embellishing what might happen. The stories that Congress is hearing right now, these are real cases. I mean, and these are really, really bad cases aren't they? Talk about that.

Yeah, they're not hypothetical anymore. There are many disturbing stories. You know, teenagers are accessing free dating apps by simply lying about their ages. Sites like Tinder claim that they block underage users but they really don't. And to give you an example of a real life case, a Missouri man recently pled guilty to third degree child molestation after he was charged with sodomy, statutory rape and kidnapping an 11 year old girl on a dating app.

Because these sites are often international, these apps, similar incidents are also being reported all around the world. For example, the UK has discovered dozens of instances of pedophiles using dating apps to abuse and prey on children.

Some of them as young as eight years old. This brings me to the next big issue; these dating services don't conduct background checks on users. While the companies absolutely hold some responsibility, parents need to be aware that giving their kid a smartphone will give them access to these apps, and they need to take measures to make sure that their kids know about the dangers of them and that their kids don't get access to them.

Several companies have also been accused of selling and sharing users' personal data. So they're looking into that as well. Brigida, my next guest up after you actually is going to talk about the relationship between these dating apps and child trafficking, human trafficking and they're, it's inescapable. These apps are also, being used as the go between for what they call the room, the Romeo take.

That's where, you know, you start off, somebody believes that they're falling in love with somebody, meet me someplace, and then these things are used for human trafficking in a big way.

So, the next story we're going to do is actually going to talk about it, but the investigation is going to be looking into how these companies collect and share user's personal data. Which is incredible that they're sharing it wherever they want and they're taking advantage of it any way they want. What can you tell me about that? Well, the committee on oversight and reform says that American consumers may not receive adequate notification of the commercial use of their sensitive personal information from these dating apps, including sexual orientation, gender identity, drug and alcohol use, employment, political views and so on.

It is asked that the company submit all documentation on their data collection practices and any information about the third parties that they're sharing that personal data with and that's all well and good, but I'd like to see Congress also do the same for other internet companies that are also collecting data.

Last, last question, Brigida. Is there any question in your mind that these apps know exactly what they're doing? That they understand exactly how this is being abused both as to this and to human trafficking. What's your take? Yeah.

There is no question to it. They absolutely know, especially because of all the news stories that have come out revealing it. So, if they are saying that they didn't know before, they certainly know now and it doesn't seem like they're taking any measures at this point to really crack down and try to stop this abuse that's going on.

Brigida Santos, keep busting them up on this, this is an important story. Thank you for joining me.

Okay. Anytime, Mike. A panel of federal judges ruled against an effort to consolidate and centralize hotel sex trafficking lawsuits. The petition aimed to hold these hotels accountable for profiting off the backs of women and children by hosting sex trafficking and prostitution on their property. I'm joined now by attorney Steve Babin, who specializes in human trafficking law.

Steve, I think this was a surprise to everybody. I don't think it's, I don't think this court's over with this. I think they're going to look at it again, hopefully. But this first decision, it, it does cause some problems for, for trying to solve this trafficking problem, doesn't it? I think it causes some problems, but we have a path forward.

I think that what happened was the panel failed to recognize the breadth and scope of the issue was one problem and also that there is a, what the common question of fact was with respect to all of these cases.

Yeah. Well, a lot of times a panel of judges is, they're, they're posed a question that they don't, they're not in the middle of the fight. So I think your next step, this is not over, this is just the beginning, isn't it? What is your next step?

What do you want to do next to keep this trafficking case moving? Because it is heavily, heavily a hotel issue.

It's a trucking company issue. It's all the, it's an airlines issue. Interesting to me, the airlines are doing something about it.

The airlines, if you walk through Atlanta airport, you hear time and time again, the idea of about, if you suspect trafficking is taking place, call 911 right this minute, right? Yeah. And it's, it's really a hotel industry too, 92% of trafficking occurs in hotels. So the, the path forward is we're gonna, we're gonna continue to file lawsuits. We're going to file class action lawsuits against the hotel industry and we're going to bring the industry to the table, whatever, whatever way we have to.

We will approach the panel again and see consolidation, but we'll have a, you know, a, a multi-level attack against the hotel industry. Well, the advantage, the advantage of consolidation is you have one judge that's looking at all the facts for the entire nation.
It's called an MDL. That's how, as a matter of fact, how we're trying to solve the opioid crisis. That's how we, we solve hundreds of major complex cases where you have one talented judge making decisions about the evidence, about what's admissible, about what the companies did.

And that's what you were asking for here, right? You're asking to say, can you please put this in front of one judge? And that was up in Ohio correct? That was up in Ohio where I am and yeah, that's exactly right. You can have one judge see the entire problem and hear what the problem is, is it's the same across the board.

It's the deliberate repeated refusal to implement policies and procedures that would catch and, and prohibit sex trafficking from occurring on the premises. And the brands say, well, you know, we couldn't recognize or control sex trafficking and I think that argument is untenable. The, the reality is if, if somebody walked in, a man walked in who's in his, whatever age the guy is, with six girls in their 20s and paid with cash in hotel rooms for week long stays, you gotta know something's going on. Okay. You've asked us to be involved in the trial of these cases.

We will be trying these cases. I think that what's going to happen here, and this is unfortunate, but the companies who know they've done wrong are going to be hiding behind the companies who kind of tried to do this right. Some companies, hotel companies, airline companies, trucking companies, they've come up with standards, and they say these are the standards we're going to follow because we know in the hotel industry, 97% not, tell me if I'm wrong about it.

It's nine, 97% of all human trafficking, primarily of children, takes place in hotel rooms. In Atlanta for example, they bring kids into Atlanta central location.

People fly in from all over the world to actually be involved with sex trafficking. They all meet there in Atlanta. They're there for two days and then they leave. The airlines industry knows that the hotel industry knows that and you're asking the hotel industry to step up and do their job, right? That's right.

To step up and do their job and not only write down policies, but to implement those policies as well across the board.

What will a class action allow you to do? To me, if I think of your class action that you're filing, it allows, it allows lawyers to do discovery, to take depositions, to go after documents that show that the hotel industry clearly knew what was going on. Even though this panel decided now's not the time, when we get those documents and we can show them more, don't you, don't you kind of feel like everything falls into place? Everything should fall into place.
And what the class action does is exactly what you said. It lets us ask questions and determine, you know, how much did you know, and did you know? And what we will find is they absolutely did know.

Steve Babin, I promise you I'll go after him with you. Okay.

All right. Thanks for doing this.

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