Consolidated Information for the 2018 General Elections in New York

The general election is coming up next week on November 6, 2018. This is basically my research that I did for informing my choices on election day. By posting this I am hoping that it will be of use for others as well.

In order to find out who the candidates are, you will need to do a ballot lookup through Ballotpedia which will give you a look at your options during voting day.

I’m posting this even though I don’t have videos for everyone because election day is tomorrow. I’ll update this post as I come across more videos.

As for New York, the following candidates are up for election:

Question 1: New York Campaign Finance City Charter Amendment

Summary: This amendment decreases the amount that a candidate for city elected office may accept from a contributor and increases the public funding available for a citywide candidate participating in the city’s public matching funds program.

Question 2: New York Civic Engagement City Commission Charter Amendment
Summary: Sets up a Civic Engagement City Commission that has a focus of increasing engagement by the public. One example is to provide translators at voting locations.
Question 3: New York Community Boards City Charter Amendment
Summary: This amendment will impose term limits for community board members, require appointed board members to have a diverse background and for the Civic Engagement City Commissions (if passed) will provide resources, assistance and training to communicy boards.

Flip Your Ballot NYC has an in depth explanation of all 3 with translations into many languages.

U.S. Senate NY
  • Kirsten Gillibrand (D) Incumbent
  • Chele Farley (R)

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New York Democratic Primary Elections 2018

The democratic primary election is being held on September 13, 2018. In preparation of this, I am doing my best to research the candidates. I’m a political noob and had to stumble around the internet to figure out what to do.

In order to find out who the candidates are, you will need to do a ballot lookup through Ballotpedia which will give you a look at your options during voting day.

As for New York, the following candidates are up for election:

New York Governor

The current Incumbent Governor Andrew Cuomo is being challenged by Cynthia Nixon.

Here is CBS‘s coverage of the debate:

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Chase Freedom 5% Cash Back Categories for Q2 2018

Chase Freedom Credit Card

Chase Freedom Credit Card

It’s time to activate the second quarter 5% cash back categories for your Chase Freedom credit card.

Here are the details:

Earning Details: 5% cash back on up to $1,500 spent
Period: April 1 – June 30, 2018
Categories: Paypal, Chase Pay, Grocery Stores
Other Offers: 1% cash back on all purchases, including on top of your 5% category purchases
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Citi Dividend Card – 5% Cash Back Categories for Q2 2018

The second quarter 5% cash back categories for the Citi Dividend Card has been published and is available for activation.

Citi Dividend Card

Citi Dividend Card

Earning Details: 5% cash back on up to $1,500 spent
Period: April 1 – June 30, 2018
Categories: The Home Depot & Home Furnishing Stores

Total cash back you can earn is $300 per calendar year.
Points will be applied only after 2 business days of when you enroll if enrolled after the quarter period has begun.
Points will expire after 12 months of inactivity.

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Discover 5% Cash Back Categories for Q2 2018

Discover it Credit Card

Discover it Credit Card

It’s time to sign up for the second quarter 5% cash back categories for your discover cards. These categories applies to both the Discover it and the Discover More credit cards.

Detailed review for this card can be found here.

Earning Details: 5% cash back on up to $1,500 spent
Period: April 1 – June 30, 2018
Categories: Grocery stores

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Citi Dividend Card – 5% Cash Back Categories for Q1 2018

The first quarter 5% cash back categories for the Citi Dividend Card has been published and is available for activation.

Citi Dividend Card

Citi Dividend Card

Earning Details: 5% cash back on up to $1,500 spent
Period: January 1 – March 31, 2018
Categories: Gas Stations & Car Rentals

Total cash back you can earn is $300 per calendar year.
Points will be applied only after 2 business days of when you enroll if enrolled after the quarter period has begun.
Points will expire after 12 months of inactivity.

Continue reading

Chase Freedom 5% Cash Back Categories for Q1 2018

Chase Freedom Credit Card

Chase Freedom Credit Card

It’s time to activate the first quarter 5% cash back categories for your Chase Freedom credit card.

Here are the details:

Earning Details: 5% cash back on up to $1,500 spent
Period: January 1 – March 31, 2018
Categories: Gas Stations, Internet/Cable/Phone Services, Chase Pay, Android Pay, Apple Pay, Samsung Pay
Other Offers: 1% cash back on all purchases, including on top of your 5% category purchases
Activate by: March 15, 2018
Continue reading

Discover 5% Cash Back Categories for Q1 2018

Discover it Credit Card

Discover it Credit Card

It’s time to sign up for the first quarter 5% cash back categories for your discover cards. These categories applies to both the Discover it and the Discover More credit cards.

Detailed review for this card can be found here.

Earning Details: 5% cash back on up to $1,500 spent
Period: January 1 – March 31, 2018
Categories: Gas Stations & Wholesale Clubs

Continue reading

2018 Credit Card Benefits-At-A-Glance

Here is a list of credit cards listed alphabetically by bank and card name. The list will be updated periodically.

1st Financial Bank

1st Financial Bank Credit Card1st Financial Bank Logo

  • All categories: 2% cash back
  • Unlimited cash back, cash is applied directly to statement
  • Annual Fee: None

American Express

Blue Cash Everyday Card

  • Earn 3% cash back at supermarkets
  • Earn 2% cash back at gas stations
  • Earn 1% cash back on all other purchases
  • Free Monthly FICO credit score
  • Annual Fee: None Continue reading

Ally’s Holiday Rate: 2.00% APR on a 12-Month CD


For those who like good rates but not too crazy about rate chasing or long term commitment this one’s for you. Ally Bank just announced a special rate for the holidays. From today till Jan 2, 2018, you can open a 12-Month CD with a 2.00% APR with no minimum deposit required. This is one of the best rates (if not the highest) on the market right now. There is an early withdrawal penalty though, but at least it’s a short term commitment.  If you already bank with Ally, this would literally take you less than 5 mins to open. For more details, you can visit here.