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Cash Chats ep49: Ask Andy inc unused credit cards, O2 trick, Monzo changes & spending Nectar

by Andy Webb @ Be Clever With Your Cash

I’ve answered your questions in this week’s episode of the podcast. It’s been a while since I’ve tackled the questions you’ve sent me via email, Twitter and through comments on the blog, so I picked four of the recent ones to share my answers. Here’s what’s in this episode. Do you have to keep putting […]

The post Cash Chats ep49: Ask Andy inc unused credit cards, O2 trick, Monzo changes & spending Nectar appeared first on Be Clever With Your Cash.

Project Potential Students Start 9th Grade with $13,000 Donation from HTB

by Scott Fahy @ HomeTrust Banking

Lexington, NC – HomeTrust Bank is pleased to be supporting the 2021 class of Project Potential. Entering 9th grade this month, a group of talented students are now back to school, and on the path to higher education thanks to a $13,000 donation from HomeTrust Bank. With much excitement, students and bankers celebrated this donation […]

The post Project Potential Students Start 9th Grade with $13,000 Donation from HTB appeared first on HomeTrust Banking.

Let’s Get Social! 4 Tips For Driving Sales Through Social Media

by Taylor Marcucci @ USB

A question on the mind of many small business owners is whether social media is a worthwhile investment for driving sales. Social media has been and continues to be a boon for large brands, but many smaller companies are still on the fence. In fact, the Connecticut Business and Industry Association reported that 59% of small business owners don’t see a quality ROI from their social media efforts. ...

The post Let’s Get Social! 4 Tips For Driving Sales Through Social Media appeared first on USB.

4 Tips On Planning Succession For Your Small Business

by Taylor Marcucci @ USB

Business succession planning is essential for small business owners, especially since ownership transition can be necessary at a moment’s notice due to unforeseen events such as illness, death or retirement. The Hartford Business Journal reported that up to 85 percent of small and mid-size businesses in Connecticut don’t have a comprehensive succession plan in place. This widespread lack of busine...

The post 4 Tips On Planning Succession For Your Small Business appeared first on USB.

The 23 Best Free Business Checking Accounts

The 23 Best Free Business Checking Accounts


Fundera Ledger

We’re making it easy to weigh all possible factors and find the best free business checking account for you. Never settle with your small business!

Is AARP Worth It? We Asked a 35 Year Old Who Joined

by Jim Wang @ Wallet Hacks

There's a running joke in our household that my wife gets AARP solicitations because of her name. It's a little old-fashioned, like Thelma or Gladys (but not those), and unlikely to make a comeback (sorry honey!). We get the mailings because AARP uses the postal service's geographic mailing service, it's literally spam by mail without […]

The post Is AARP Worth It? We Asked a 35 Year Old Who Joined appeared first on Wallet Hacks.

Follow Your Bliss — Or At Least Figure Out What It Looks Like

by Miranda Marquit @ Adulting

Have you thought about what it means to live a purposeful life? More info.

The post Follow Your Bliss — Or At Least Figure Out What It Looks Like appeared first on Adulting.

Grand National 2018 – Reaction from leading trainers including Gordon Elliott, Willie Mullins and Nicky Henderson as the weights were published

by hfuller @ The Sun

The weights for the 2018 Randox Health Grand National have been revealed. Read what connections had to say about their contenders for the Aintree spectacular. Trainer Brian Ellison – Definitly Red (11st 10lb) “I sort of expected him to be top-weight really. He’s rated 167 so they couldn’t do much else. “The Gold Cup is […]

What Is Cryptocurrency? (Infographic)

by Meredith Wood @ Fundera Ledger

The invention of bitcoin started the phenomenon of cryptocurrency, and many other digital currencies have since emerged on the market. […]

The post What Is Cryptocurrency? (Infographic) appeared first on Fundera Ledger.

Premier America Credit Union Promotions: $50 + $50 Bonus [CA, TX Residents]

by Tony Phan @ MoneysMyLife

Premier America Credit Union promotions and sign-up bonus offers will be updated at this page. Typical offers in the past have been for $100 to $200 in bonus cash. Headquartered in Chatsworth, California and established in 1957, Premier America Credit Union has around 20 locations in California and Texas. If you’re not a resident of either […]

For many small businesses, the best bank isn’t a bank at all

For many small businesses, the best bank isn’t a bank at all


Financial Post

Dan Kelly: Credit unions win at outperforming the big banks in serving the needs of Canada’s entrepreneurs

Valentine’s Day poems, quotes and messages to help you write the perfect card to your wife, husband or partner

by sroberts @ The Sun

TRYING to turn on the romance this Valentine’s Day but don’t know what to write in your card? The language of love doesn’t always come easy, so here are our top quotes and poems to get you some real brownie points on the most romantic day of the year. What short poems can you write […]

Top 8 European Destinations for the Perfect Erasmus Experience

Top 8 European Destinations for the Perfect Erasmus Experience

by Sabrina @ The Spotahome Blog

We explore the top cities in Europe for your Erasmus experience, from the best universities to the perfect nightlife, to sports, fashion and food,

Create a Kickass Career Strategy for the New Year

by Zina Kumok @ Adulting

Make THIS the year you get out of that career rut. More info.

The post Create a Kickass Career Strategy for the New Year appeared first on Adulting.

How to Invest When You’re Broke AF

by Miranda Marquit @ Adulting

You don't need big bucks to get a jump on everyone else. More info.

The post How to Invest When You’re Broke AF appeared first on Adulting.

The Best International Banks for Expats: The Spotahome Blog

The Best International Banks for Expats: The Spotahome Blog


The Spotahome Blog

Your choice of bank can have a big impact on your finances. We review top choices of international bank accounts for expats and study abroad students to give you a starting point.

Report: Here are the cities with the most credit card debt

Report: Here are the cities with the most credit card debt

by Craig Johnson @ clark.com

Most people do all they can to pay their bills on time and be good stewards of their financial lives, but even with the best-made plans, setbacks sometimes occur. So it is with credit card debt, which, as we’ve written

Alliant Credit Union Checking, Savings, CD Promotions & Offers

by Tony Phan @ MoneysMyLife

Find the latest promotions, offers, and updated rate information for Alliant Credit Union here. Alliant Credit Union is based in Illinois and offers personal banking products and loans to hundreds of thousands of members. Unlike many credit unions, Alliant allows anyone nationwide to join with just a $10 charitable donation to Foster Care to Success. […]

You Don’t Have to Overpay for Your First Home

by Holden Lewis @ NerdWallet

A typical first-time home buyer pays thousands of dollars more than an experienced buyer would pay for the same house, according to research from two housing economists. First-time buyers overpaid…

What is a Valentine’s box and how can you make one?

by Anna Johnstone @ The Sun

CELEBRATING Valentine’s Day is a great excuse for you to get crafty with your kids. One simple thing to make is a Valentine’s Box, which you can often create from things you already have at home. What is a Valentine’s Box? They are very popular in the US, as a way for children to bring […]

Why you’re paying too much for medication

by Andy Webb @ Be Clever With Your Cash

Spend less money to get better. When you’ve got a cold, you’ll ask for Lemsip. When you’ve got a headache, you’ll ask for Nurofen. When you’ve got a hangover, you’ll ask for a Berocca. Yes they cost more than own brand, but surely that’s because they’re better at making you feel better? Well, it turns out […]

The post Why you’re paying too much for medication appeared first on Be Clever With Your Cash.

More than half of older Brits have too little sex, survey finds

by crichards @ The Sun

MORE than half of older Brits have too little sex, a survey found. It showed 52 per cent of over-65s want more bedroom action. And a third of randy pensioner have jumped in bed with a first date or would consider it. Only one in five over-80s are happy with their love lives. More than […]

Top 10 Best Financial Advisors in New Jersey | 2017 Ranking | New Jersey Wealth Management Firms

by AHQ Ranking & Review Team @ AdvisoryHQ

2017 RANKING & REVIEWS TOP RANKING NJ WEALTH MANAGEMENT FIRMS Intro: Examining the Top 10 Best Financial Advisors in New Jersey Choosing the right financial advisor isn’t an easy task. Not only do you have to be willing to have open, honest conversations about money, but you also need to find an advisor that you […]

Copyright © 2018 www.AdvisoryHQ.com. All Rights Reserved.

Choose and switch to a better bank for you | A step-by-step guide to cheaper & easier banking

Choose and switch to a better bank for you | A step-by-step guide to cheaper & easier banking


Clark Howard

Most people stick with the same old bank because they just don’t want to deal with the hassle of moving everything — but it can be a lot easier than you think — and save you a ton of cash! He…

Uber institutes mandatory 6-hour break for its most active drivers

Uber institutes mandatory 6-hour break for its most active drivers

by Craig Johnson @ clark.com

When you summon an Uber, how often do you think about your driver’s well-being?

Do we know where he or she has traveled in the last hour – or last few hours? Do you have any idea how rested the …

The Best Online Savings Accounts in February 2018

by LaTisha Styles @ MagnifyMoney

Updated February 9, 2018 After years of low interest rates, there is a pricing war happening for online savings accounts. Long gone are the days of 0.01% APY. If you are willing to open an online savings account (which is FDIC insured), you can now easily get a 1.50% APY or higher. Interest rates are … Continue reading The Best Online Savings Accounts in February 2018

The post The Best Online Savings Accounts in February 2018 appeared first on MagnifyMoney.

Firms assessing disabled for benefits either lying or incompetent, MPs warn

by FIONA NIMONI @ The Sun

A “pervasive lack of trust” among disabled people in the method of assessing their welfare claims risks undermining the operation of the Government’s flagship benefits, MPs have warned. Since 2013, 290,000 rejected claims for Personal Independence Payments or Employment and Support Allowance have been granted on appeal – a total of 6% of all those […]

4 Frugal Tips That Are Completely Not Worth It

by Makenzi Wood @ Wallet Hacks

Frugality gets a bad rap these days. Too often folks assume that being frugal is the same as being a cheap, miserly skinflint. Of course, frugality means different things to different people, but at its basest definition, it's about being wise about where you spend your money and time. I like to simplify things, so […]

The post 4 Frugal Tips That Are Completely Not Worth It appeared first on Wallet Hacks.

Kate Upton is swept off a rock during topless photoshoot in terrifying moment caught on video

by Lauren Clark @ The Sun

KATE Upton was ungraciously knocked off a rock while posing topless for a magazine shoot on an exotic island. The American model, 25, was in the middle of a photo shoot on the island of Aruba for Sports Illustrated when a particularly strong wave caused her to take a tumble into the sea. In the […]

How a twisted neo-Nazi group called Atomwaffen has been linked to multiple murders in the US

by gbirchall @ The Sun

A NEO-Nazi group has been linked to five killings and an alleged bomb plot over the last year in the United States. Atomwaffen Division, a white supremacist organisation believed to have been set up in the last two  years claims it is a “revolutionary National Socialist organisation centred around political activism and the practice of […]

Boris Johnson’s message to Remoaners is a vital fightback against EU fanatics trying to halt Brexit

by Andrew Whiteford @ The Sun

Bojo flies flag BUCCANEERING Boris is back — and about time too. It’s good to see a senior Minister flying the flag for Brexit, rather than apologising for it. The Foreign Secretary’s article must start the fightback against the doom-mongers who think the country’s going to the dogs — and have been almost unchallenged on […]

Clark Howard 2.9.18

by @ clark.com

Topics: Clark Stinks; Uber getting into the electric bike game

Learn more about your ad choices. Visit megaphone.fm/adchoices

First Tech Federal Credit Union Review

by Jeff Rose @ Good Financial Cents

There are plenty of different banks and credit unions for you to use all across the country. Each of them has different products, perks, and disadvantages you'll need to consider when you're shopping around for the perfect bank. What separates one from another? Today we're going to look at First Tech Federal Credit Union. We'll... Continue Reading-->

The post First Tech Federal Credit Union Review appeared first on Good Financial Cents.

When Will I Get My Tax Refund? 2017 Tax Year Refund Schedule (2018 Tax Season)

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at When Will I Get My Tax Refund? 2017 Tax Year Refund Schedule (2018 Tax Season).

The first day to file your 2017 taxes is January 29, 2018. The IRS reports that 9 out of 10 taxpayers who filed electronically in 2017 received their tax refunds within 21 days. Some taxpayers receive their refund in as little as 8 days, and most receive it within 10-14 days. The IRS no longer ... Read More about When Will I Get My Tax Refund? 2017 Tax Year Refund Schedule (2018 Tax Season)

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Are These 5 Things Worth Credit Card Debt?

by Erin El Issa @ NerdWallet

People don’t talk much about their credit card debt, but it’s common to have it — and to have mixed feelings about it. A recent NerdWallet survey found 55% of U.S. adults…

Spotahome Neighbourhood Guide: Best things to do in Brixton, London

Spotahome Neighbourhood Guide: Best things to do in Brixton, London

by Sabrina @ The Spotahome Blog

Heaven for foodies, clubbers, art and music lovers, Brixton is the right place to be. Here's your guide to the best places to eat, drink, dance and shop.

What to Do When You’re the Kinky One in the Relationship

by Zina Kumok @ Adulting

It's ok to get your freak on. Here's how to do it comfortably with your partner. More info.

The post What to Do When You’re the Kinky One in the Relationship appeared first on Adulting.

Spotahome Neighbourhood Guide: Best things to do in Soho, London

Spotahome Neighbourhood Guide: Best things to do in Soho, London

by Sabrina @ The Spotahome Blog

Soho is maybe the area of London that is hardest to pin down. Despite changes, the big brands, the coffee chains, the pulsing heart of London is still here.

Cyber Security Awareness Month

by Scott Fahy @ HomeTrust Banking

October is Cyber Security Awareness Month, and HomeTrust wants to make sure you have all the resources you need to keep yourself protected.  As a HomeTrust customer, you may want to start by reviewing our privacy policy, security tips and other info publicly available on our website: Privacy Policy Bank Security Identify Theft and the […]

The post Cyber Security Awareness Month appeared first on HomeTrust Banking.

Defence Secretary Gavin Williamson warned the war against ISIS is ‘far from over’

by Sun Internet 2 @ The Sun

DEFENCE Secretary Gavin Williamson said the war against ISIS was far from over. He spoke out following a summit of international Defence ministers in Rome to review the coalition campaign to annihilate the terror state. In the last three weeks RAF war jets and Reaper drones have struck jihadis 22 times, destroying drone squads, hideouts […]

Bank Of The West Review: $150 Checking Account Bonus

by Tony Phan @ MoneysMyLife

Get the latest Bank of the West bonuses and promotions here. There are branches in the following states: AZ, CA, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, UT, WA, WI, WY. Typical promotions for Checking accounts have been for $150, $200 and $300. They also oftentimes have promotions for their investment services […]

3 Ways to Personalize Your Online Customer Experiences

by Taylor Marcucci @ USB

An outstanding customer experience is one of the pillars of small business success, and it’s a topic we cover often here on our business blog. When we last explored best practices for standing out with a killer customer experience, one of our tips was to put a personal touch on interactions with your customers. Whether you offer gift wrapping services during the holidays or include hand-written th...

The post 3 Ways to Personalize Your Online Customer Experiences appeared first on USB.

8 Tips for Travelling with Allergies or a Special Diet

8 Tips for Travelling with Allergies or a Special Diet

by Aimee Smith @ The Spotahome Blog

Travelling can be made difficult when you battle with food restrictions. Read our easy and compact guide on how to tackle travel when you have allergies or a special diet

20+ Best Bank Promotions & Bonus Offers ($100 Minimum!)

20+ Best Bank Promotions & Bonus Offers ($100 Minimum!)


Wallet Hacks

See the best nationally available bank promotions and signup bonuses available ($100 minimum!) - we keep this list of 20+ bank offers updated weekly. No expired promotions or tiny banks listed, just nationally available, easy to get promos.

The 7 Best National Banks In America for 2018

by Jeff Rose @ Good Financial Cents

Everyone needs a safe place to stash their money, instead of burying it in the backyard (or worse, under your mattress). If you're looking for a new bank, you have hundreds of options to choose from, but every year, it seems like there are more banks who enter the market. And we know, every bank... Continue Reading-->

The post The 7 Best National Banks In America for 2018 appeared first on Good Financial Cents.

Premier League TV rights: Sky Sports and BT to show 160 matches a season in new £4.46bn deal

by ashilton @ The Sun

SKY and BT have paid £4.46billion to show 160 live Premier League games in the next three-year cycle. Sky Sports were awarded four of the seven packages, totalling 128 games. BT Sport have paid £295m per season for 32 live games, with two 20-match packages to be handed out – meaning 200 out of 380 […]

5 Types of Commercial Loans to Consider for Your Business

by Meredith Wood @ Fundera Ledger

If you have a small business and need funding to grow into a new space, purchase a new piece of […]

The post 5 Types of Commercial Loans to Consider for Your Business appeared first on Fundera Ledger.

An In-Depth Review of Ally Bank’s Rates

by Sarah Li Cain @ MagnifyMoney

Since it spun off from General Motors auto financing in , Ally Bank has proved to be one of the best online-only banks in the industry. Like most online-only banks, Ally charges minimal fees for deposit accounts and requires low or no minimum balances. Rates on Ally’s checking, savings, CD and money market accounts are … Continue reading An In-Depth Review of Ally Bank’s Rates

The post An In-Depth Review of Ally Bank’s Rates appeared first on MagnifyMoney.

I know Valentine’s Day will be awful because I’m romantic and my husband isn’t

by Andrew Whiteford @ The Sun

DEAR DEIDRE: I STRUGGLE with Valentine’s Day because I’m a hopeless romantic and my husband clearly isn’t. I’m 35, he’s 36 and we’ve been married for eight years. He has never bought me anything for Valentine’s Day. I did get a card last year but only because I went on and on about it. I’m angry […]

Bord Gáis Energy launches new bonkers.ie exclusive energy deals

by @ bonkers.ie blog

It’s been a rough couple of months for Irish consumers, with gas, electricity and broadband providers announcing price hikes right, left and centre, with many of these increases coming into effect just before Christmas last month. 

However, we've seen some value return to the energy market this month, as earlier this week both SSE Airtricity and Just Energy launched new discount offers and now Bord Gáis Energy has joined their ranks with some new special offers of its own. 

From today you’ll be able to save an average of €194.31 by switching your electricity bills or €288.05 by switching your gas and electricity to Bord Gáis Energy.  

Save €194 on electricity

Bord Gáis Energy is offering a 28% electricity discount to new customers who sign up via bonkers.ie from today. 

With the discount included, customers will pay 13.26 cent (inc. VAT) per kWh of electricity over the course of a 12-month contract. At this rate, customers with average consumption will spend about €810.93 on electricity over the course of the year, with all taxes and charges included.

That’s about €194 cheaper than typical standard rates and makes this deal from Bord Gáis Energy the cheapest on the market right now.

Save €254 on gas and electricity

If you decide to switch dual fuel, Bord Gáis Energy is offering a 31% electricity discount and an 18% gas discount to new customers who sign up via bonkers.ie.

With the discount included, customers will pay 12.70 cent (inc. VAT) per kWh of electricity and 4.776 cent per kWh of gas over the course of a 12-month contract.

On these rates, customers with average consumption will spend about €1,452.26 on gas and electricity over the course of the year, with all taxes and charges included, making this deal from Bord Gáis Energy the cheapest dual fuel offer on the market right now.

Time to switch? 

These are some great value offers from Bord Gáis Energy and if you haven't switched suppliers in the last year, it's definitely worth carrying out a quick comparison on bonkers.ie to find the best deal for you. Need more convincing? Check out the video below:

The switching process only takes a few minutes and you’ll only need three pieces of information to sign up; your MPRN and GPRN (which are written on your electricity and gas bills respectively) as well as a recent meter reading.

Don’t forget to compare all deals

If you are thinking of switching, be sure to compare all deals from all suppliers before you make any decisions to make sure that you’re getting the best deal for your own personal consumption habits.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Look Beyond the Numbers: How To Get Into Your Customers’ Heads With Consumer Insights

by Taylor Marcucci @ USB

What do you need to create a more effective business marketing plan? If you’re looking to grow grow your overall business or certain areas of your business, then you might consider how to answer this question. Refreshing your understanding of your customers and industry with market research is a good place to start. However, most traditional research focuses on the numbers to unearth generalities ...

The post Look Beyond the Numbers: How To Get Into Your Customers’ Heads With Consumer Insights appeared first on USB.

Three Questions to Ask Yourself Before Getting a Mortgage

by Taylor Marcucci @ USB

If you’re a small business owner who works out of your house then you’re well-acquainted with the unique challenges that face a home-based company. Whether it’s shutting out distractions from family, pets or roommates, going the extra mile to maintain a professional image, or finding ways to combat cabin fever, there are a number of obstacles you deal with on a daily basis that business owners wit...

The post Three Questions to Ask Yourself Before Getting a Mortgage appeared first on USB.

The 8 Best Bank Promotions (Checking and Savings) in 2018

The 8 Best Bank Promotions (Checking and Savings) in 2018


The Dough Roller

Looking for the best checking accounts or savings accounts? These bank promotions can get you cash back when you open a new account and a top APR.

Amazon vouchers & deals: Fire, Kindle and Echo price drop | top-up bonuses | Cheap Prime | Amazon Prime Now code | More!

by Andy Webb @ Be Clever With Your Cash

From Amazon vouchers and free trials of Amazon Prime to flash sales and tricks for free delivery. Let’s face it, Amazon is probably the one website that most people will use at some point each year, so it helps to have a voucher or discount stored up. Here are the best deals at the moment. Read […]

The post Amazon vouchers & deals: Fire, Kindle and Echo price drop | top-up bonuses | Cheap Prime | Amazon Prime Now code | More! appeared first on Be Clever With Your Cash.

Return of Premium Rider

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Return of Premium Rider.

If you have people in your life that you care about, then you are likely a good candidate for life insurance coverage. That is because the funds that are received from a life insurance policy can be used by the beneficiary (or beneficiaries) to pay off debt, continue paying ongoing bills, and even to make ... Read More about Return of Premium Rider

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How to say Happy Valentine’s Day in French, Spanish, German and 11 other languages

by egritt1 @ The Sun

WE’D all like to be fluent in the international language of love – and knowing how to wish someone a “Happy Valentine’s Day” in Thai is a start. As the big day gets closer, we reveal how to share some romantic sentiments with people from across the globe. How do you say Happy Valentine’s Day […]

How To Become a Certified Financial Planner (CFP)

by Jeff Rose @ Good Financial Cents

I get asked pretty frequently about what the requirements are to become a Certified Financial Planner™ and what I went through to achieve the designation. Knowing there are over 800,000 people who can be considered “financial advisors” to some degree, I knew I had to differentiate myself. But, it wasn't all about being different; it... Continue Reading-->

The post How To Become a Certified Financial Planner (CFP) appeared first on Good Financial Cents.

Cincinnati Federal Review: $250 Checking Account Bonus [OH Residents]

by Tony Phan @ MoneysMyLife

Find the latest promotions and bonuses from Cincinnati Federal updated here. Offers have typically ranged from $150 to $250 in the past. Established in 1922 and headquartered in Cincinnati, Ohio, Cincinnati Federal has 4 locations in the state. If you’re not an Ohio resident, use our Bank Bonuses page for other offers, including those from […]

Best Banks to Stash Your Million Dollars

Best Banks to Stash Your Million Dollars


Investopedia

Get the richest perks and red carpet treatment for you and your money from these financial institutions.

HomeTrust Bancshares, Inc. Reports Financial Results For The Second Quarter Of Fiscal 2018

by Scott Fahy @ HomeTrust Banking

ASHEVILLE, N.C., Jan. 29, 2018 — HomeTrust Bancshares, Inc. (NASDAQ:HTBI) (“Company”), the holding company of HomeTrust Bank (“Bank”), today announced a preliminary net loss of $10.7 million for the quarter ended December 31, 2017, driven by an estimated $17.7 million deferred tax revaluation resulting from enactment of the Tax Cuts and Jobs Act (the “Tax […]

The post HomeTrust Bancshares, Inc. Reports Financial Results For The Second Quarter Of Fiscal 2018 appeared first on HomeTrust Banking.

Arsene Wenger under pressure to get Arsenal in Champions League as board reportedly consider meeting in summer to discuss his future

by ituckey @ The Sun

ARSENE WENGER is battling for his Arsenal future and needs to qualify for the Champions League, according to reports. The Mail claims the Gunners board want stability for next season as the Frenchman approaches the last 12 months of his current two-year deal. And Arsenal chiefs are said to regard finishing in the top four […]

American Express is hiring and you can work from home

American Express is hiring and you can work from home

by Mike Timmermann @ clark.com

American Express is once again hiring work-from-home customer service professionals.

Best Checking Accounts with No Overdraft Fees - MagnifyMoney

Best Checking Accounts with No Overdraft Fees - MagnifyMoney


MagnifyMoney

Don't keep struggling with overdraft fees. These 5 banks offering checking accounts with no overdraft fees.

The Best Exercise Bikes

by Philip Palermo @ Reviews.com

How to Get Free or Cheap Flu Shots

by Jim Wang @ Wallet Hacks

The flu is bad news. Like really bad news. And the 2018 flu season is going down as one of the worst in recent memory. The Centers for Disease Control and Prevention keeps an influenza map of the United States and for the first time, the entire contiguous United States is the same color – […]

The post How to Get Free or Cheap Flu Shots appeared first on Wallet Hacks.

How to Get Out of Debt, Fast! A Step-by-Step Guide

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to Get Out of Debt, Fast! A Step-by-Step Guide.

If you know the basics of personal finance, you may already know the most powerful force in the financial universe is compound interest. With compound interest, it’s easier to grow wealthier over time as the interest you earn compounds on itself over and over again. Unfortunately, compound interest can just as easily work against you as ... Read More about How to Get Out of Debt, Fast! A Step-by-Step Guide

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All content copyright Cash Money Life | Personal Finance, Investing, & Career; if you are reading this on another website it has been illegally reproduced in violation of copyright laws.

Enhance Your Business Strategy with a Community Relations Program

by Taylor Marcucci @ USB

As a community bank, our team at Union Savings Bank is a huge believer in giving back to our community, neighbors, and customers. Over the last 150 years, we’ve prioritized the donation of our time, resources and financial support to local causes and charities throughout Connecticut. Today, our community relations efforts support more than 300 non-profit organizations throughout the year.
Whether ...

The post Enhance Your Business Strategy with a Community Relations Program appeared first on USB.

How to Decide Whether to Get an Instant Approval Business Credit Card

by Maddie Shepherd @ Fundera Ledger

When you’re searching for a business credit card, time is of the essence. It’s easy to be intrigued at the […]

The post How to Decide Whether to Get an Instant Approval Business Credit Card appeared first on Fundera Ledger.

New vaginal mesh material could offer hope to thousands of women living in agonising pain

by adowney @ The Sun

A NEW material developed by UK scientists could provide relief for thousands of women living in agony due to vaginal mesh implants. Vaginal mesh is used to treat prolapse and incontinence, conditions often caused by childbirth. But the implants, many made from polypropylene, have left some women in excruciating pain, unable to walk or have sex. Now, scientists from […]

New Estimated Annual Bill rule will make it much easier to spot good electricity deals

by @ bonkers.ie blog

Electricity prices have been too confusing for too long.

New research from the ESRI has proven something we’ve had a hunch about for a long time - the way electricity prices are structured and marketed isn’t as clear as it could be.

Most suppliers offer big discounts to new customers, and those discounts can range from 5% all the way up to 33%. But here’s the catch: those discounts are often taken off different unit rates, depending on the supplier.

So, a supplier offering a 30% discount isn’t necessarily going to be cheaper than a supplier offering a 20% discount.

Pretty confusing, I’m sure you’ll agree.

Thankfully, the CRU agrees too and has introduced a new rule, forcing suppliers to provide an estimated annual bill in their ads.

ESRI findings support Estimated Annual Bill rule

To test to the potential effectiveness of the new Estimated Annual Bill rule, the ESRI has run a number of experiments to give us an insight into the factors that influence our decision-making when choosing an electricity supplier.

In one experiment, 36 consumers were presented with pairs of electricity deals and asked to pick their favourite. The prices of some deals were presented as discounts from standard rates and others were presented as actual unit rates (i.e. no discounts).

When participants were shown prices presented as discounts off standard rates, they chose the cheapest option 54% of the time. But when they were shown actual unit rates, they chose the cheapest option 80% of the time.

We’ve all been confused by electricity prices and bills in the past, but the ESRI’s findings prove that this confusion has, in many cases, led to costly wrong decisions.

In a second experiment, 40 consumers were shown a series of ads, some of which included an estimated annual bill for average users expressed in euro terms, others of which didn’t.

Unsurprisingly, participants were more successful at accurately identifying good value when the estimated annual bill was displayed. And as it happens, when the estimated annual bill was presented with the same prominence and font as other pricing information, accuracy improved further.

These findings bode well for us consumers. We can expect to see a clear estimated annual bill the next time we’re presented with printed advertising or marketing material. From mid-2018, suppliers will also have to include an estimated annual bill on radio and TV ads.

Clarity for consumers

The CRU’s decision to require Ireland’s electricity suppliers to display an estimated annual bill in their marketing material is good news for consumers and a big step forward in improving transparency in the domestic market.

The final price a customer pays for electricity is made up of a large number of items - unit rate, standing charge, PSO levy, VAT and, in some cases, a prepayment service charge. With so many things to consider, it can be very difficult to make informed decisions, and the ESRI’s research confirms this.

Thanks to the CRU’s new regulation, it will be much harder for suppliers to spin their offers as better value than they actually are and to confuse consumers into making costly bad decisions.

Greater transparency in the electricity market will allow households to make informed decisions when choosing a supplier and, ultimately, to save money on their bills.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

New report: The 3 best SUVs under $30,000

New report: The 3 best SUVs under $30,000

by Mike Timmermann @ clark.com

If you're shopping for a new vehicle soon, Consumer Reports is out with a list of the best SUVs on the market in 2018.

American Express Personal Savings Account Review

by Jim Wang @ Wallet Hacks

American Express (AMEX) is best known for their credit cards but they do much much more. Credit cards is where they started, many years ago, but now they offer bank accounts too. We know they have great perks on their credit cards, but what about their bank products? Their high yield savings account is called […]

The post American Express Personal Savings Account Review appeared first on Wallet Hacks.

Cash Chats ep48: Escaping the 9-5 rat race

by Andy Webb @ Be Clever With Your Cash

Get your money in shape so you can start working on your dream job. Five years ago I knew I want to do something different, something outside the normal corporate working regime. Now, I’m my own boss, doing something I love (that’s this blog and podcast by the way). So how do you get yourself […]

The post Cash Chats ep48: Escaping the 9-5 rat race appeared first on Be Clever With Your Cash.

How I Get Tons of Goods and Services For Free — And You Can Too!

by Michelle Jackson @ Adulting

Michelle Jackson When I began my debt-freedom journey one of the biggest issues that I worried about was how my life would change. Now, let’s think about that for a moment. I was financially overextended, stressed out, and dealing with chronic anxiety from all of the debt that I was dealing with. But, my biggest … Continue reading "How I Get Tons of Goods and Services For Free — And You Can Too!" More info.

The post How I Get Tons of Goods and Services For Free — And You Can Too! appeared first on Adulting.

These banks have special incentives for newcomers in Canada | Moving2Canada

These banks have special incentives for newcomers in Canada | Moving2Canada


Moving2Canada

Don't miss out on the special offers you can get, just for being a newcomer in Canada.

Daily horoscope for Wednesday February 14 – here’s what the stars have in store for you today

by Andrew Whiteford @ The Sun

ARIES March 21 to April 20 It’s a day of choices as Mars plans passion with an adventurous twist. It may not have a lifetime guarantee but it’s unforgettable. Meanwhile, a card that’s so romantic identifies an alternative candidate for love. Stay focused at work where an extra task that seems routine could win you […]

Groundbreaking at Mountain Housing Opportunities New Development

by Scott Fahy @ HomeTrust Banking

Asheville, North Carolina – HomeTrust Bank was proud to participate in the ground breaking ceremony for Mountain Housing Opportunities (MHO) newest affordable housing development on September 27, 2017. The development is the Lillie Farm Cove Subdivision located in Weaverville. 46 affordable homes are planned for the subdivision, of which HomeTrust made a loan to build […]

The post Groundbreaking at Mountain Housing Opportunities New Development appeared first on HomeTrust Banking.

Matera: Weekend Getaway from Rome (and Milan)

Matera: Weekend Getaway from Rome (and Milan)

by Sabrina @ The Spotahome Blog

Only a few hours drive away from Rome and 1-hour flight from Milan, Matera is the perfect destination for a weekend getaway.

David Harris Joins HomeTrust as County Executive

by Scott Fahy @ HomeTrust Banking

Asheville, NC   – HomeTrust Bank is pleased to announce that David Harris has joined HomeTrust Bank as Vice President and County Executive for the bank’s Cleveland, Gaston, Polk and Rutherford County Markets in North Carolina.  Jonathan Jobe, Senior Vice President, and Regional President, commented, “David is a proven banker and experienced leader.  He brings a […]

The post David Harris Joins HomeTrust as County Executive appeared first on HomeTrust Banking.

Best Places to Work & Study Remotely in Turin

Best Places to Work & Study Remotely in Turin

by Sabrina @ The Spotahome Blog

Turin is one of the most underrated Italian cities, but there is so much to see and do. Discover where you can work whether you're a freelancer or a student.

Life Insurance Living Benefits Rider

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Life Insurance Living Benefits Rider.

Having life insurance in place can allow you the peace of mind in knowing that those who love and care about will not have to face financial hardship in the case of the unexpected. That is because, in addition to providing funds for replacement of income, the cash that life insurance offers can also be ... Read More about Life Insurance Living Benefits Rider

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All content copyright Cash Money Life | Personal Finance, Investing, & Career; if you are reading this on another website it has been illegally reproduced in violation of copyright laws.

Top 5 2017 Business Challenges for Connecticut Small Businesses

by Taylor Marcucci @ USB

We’re nearly a month into 2017, and like the beginning of every New Year there are business challenges both new and old that small and medium-sized businesses across the country are preparing to address (not to mention the unique obstacles that we Connecticut businesses have to overcome on a daily basis).
With the hope of encouraging everyone to start the year on an optimistic note, here are five ...

The post Top 5 2017 Business Challenges for Connecticut Small Businesses appeared first on USB.

Best Checking and Savings Accounts For Couples - Couple Money

Best Checking and Savings Accounts For Couples - Couple Money


Couple Money

Looking to get the most out of your money? Learn how to find the best joint check and savings accounts to build your wealth! 

Breaking up is easy with bonkers.ie

by @ bonkers.ie blog

One of the most inconvenient, needless to say, most boring parts of being an adult is having to take care of a litany of household bills that we’d rather not think about on a daily basis. In fact, the less time spent thinking about them the better!

At bonkers.ie we’re all about making things like switching consumer service providers to make sure you’re always on the best deal for you as easy and as hassle-free as possible!

In this article, we’ll give you a refresher on just how easy it is to use bonkers.ie to switch broadband, phone & TV providers, energy suppliers as well as mortgage lenders.

No one likes that awkward cancellation conversation. Compare providers and deals to find the best one for you, then let us take the wheel and do your breaking up for you!

#BreakUpsByBonkers

Broadband, Phone & TV  

Fed up with super slow broadband speeds when you’ve been advertised just the opposite?

Find you’re paying far too much for a landline connection you rarely use?

Looking to upgrade your TV package so you can kick back to some premiere live sports in the comfort of your own home rather than trekking down to the pub every time you want to watch a match?

If you answered yes to one or more of these questions, it might be time to break up with your current provider and find a better deal.

On bonkers.ie you can compare all broadband, phone & TV deals including details of price plans, broadband download speeds, TV channel packages, landline packages, bundle options and any perks that come with a particular deal, across all major providers on the Irish market.

There is some great value to be found on the market right now, with both Virgin Media and Vodafone offering compelling January sale deals. Better hurry though, there’s just a week left to snap these offers up before they revert to standard pricing!

Gas & Electricity

If there’s any household utility you should make a habit of reviewing and switching every year it’s your household’s energy bills.

Why? Simple. It pays to do so!

Lots of people are unaware that in a pretty saturated market (Ireland now has a total of 10 energy suppliers to choose from) suppliers find themselves in a position where they need to offer enticing sign-up incentives in order to attract new customers and drive up the competition.

This is good news for customers because it means that if you shop around you more than likely will find some great discounted sign-up offers and these typically last for the duration of 12 months (also typically the standard length of a contract). These discounts make for some significant savings on your energy bills.  

In fact, you could make an average saving of €379 right now by switching your gas and electricity from standard rates to the cheapest deals currently on offer.

Mortgages

When we think about switching service providers, switching providers for something as big as a mortgage is not something that pops into mind straightaway and the exceptionally low figures for people carrying mortgage switches in Ireland reflect this mindset.

Though just 777 borrowers switched or remortgaged in the third quarter of 2017, it represents a 15% growth on the year and it’s expected that those figures are only going to grow in 2018.   

In fact, experts at MyMortgages.ie have predicted that switching will experience double-digit growth in the first six months of the year. This is because an increasing number of mortgage holders are becoming aware that switching to a lower rate can potentially save them thousands on the remainder of their loans!  

Check out this example to see what we mean:

A couple with €390,000 (LTV <80%) outstanding over 28 years on a 4% variable rate switched lenders to a 4 year fixed rate of 2.6% bringing monthly repayments down by €300, saving interest of €99,000 over the remaining term!

Like those figures? Why not compare mortgages right now and see how much you could save.

Looking for more info?

If you’d like to find out more about on any of our comparison services - which are not limited to those mentioned above but also cover health insurance, serious illness cover, personal loans, credit cards, prepaid cards and current accounts - you’ll find that each sector has its own dedicated price comparison calculator.

Additionally, we have a very active a thorough blog dedicated to providing coverage on changes in the markets we cover as well as advice and tips on how to save money.

Don’t forget to check out bonkers.ie TV too which also covers all of these topics in video form.

Finally, to make sure you never miss out on the latest personal finance news, you should follow us on social media. We’re very active on Facebook, Twitter, LinkedIn, Instagram and Google Plus. You can contact us during business hours on any of these platforms and we’ll get back to you double quick!  

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

5 Money Books for Couples Looking to Become Financially Independent

by Elle Martinez @ Couple Money

Some of the best investments you can make with your marriage and money are books. A lot of couples hear about that. Maybe it’s retiring early maybe it’s just having […]

The post 5 Money Books for Couples Looking to Become Financially Independent appeared first on Couple Money.

Life Insurance and Millennials — What to Consider Now

by Barbara Marquand @ NerdWallet

Getting married, buying a house and having kids are all good reasons to purchase life insurance. But if other financial priorities keep getting in the way, there’s an economic consideration…

The 6 Best Credit Cards for Business Expenses, No Matter What You Spend On

by Brayden McCarthy @ Fundera Ledger

Very few things are certain in small business finance, except that no two businesses’ balance sheets are identical. And since […]

The post The 6 Best Credit Cards for Business Expenses, No Matter What You Spend On appeared first on Fundera Ledger.

The Best U.S. Bank Credit Cards of 2018 | Credit Karma

The Best U.S. Bank Credit Cards of 2018 | Credit Karma


Credit Karma

Here are our top picks for the best U.S. Bank credit cards of 2018, complete with serious travel perks and cash back rewards.

Things to See & Do in Istanbul in 2 Days

Things to See & Do in Istanbul in 2 Days

by Spotahome @ The Spotahome Blog

A perfect mix of cultures. It's the only city to have been the capital city for 3 different empires. Read on to find the best things to do in Istanbul...

Requirements to Get Your Personal Loan Approved

by Marty Minchin @ MagnifyMoney

For the right consumers, personal loans can be a quick way to get much-needed cash for anything from a home repair to a college tuition. With the right qualifications, you can be approved for a personal loan in the morning and have the cash deposited into your account in as little as one day depending … Continue reading Requirements to Get Your Personal Loan Approved

The post Requirements to Get Your Personal Loan Approved appeared first on MagnifyMoney.

Who’s This? Here Are 5 Customer Personality Types You Might Have To Sell To

by Taylor Marcucci @ USB

There’s a popular saying that no two snowflakes are the same, and that mentality can be applied to the customers you’re selling to. If you pay close attention to the customers walking in your store (or, if you’re in the B2B world, the decision makers you’re pitching), then you’ve probably already identified a few distinct customer personality types. If you haven’t started yet, you should start cri...

The post Who’s This? Here Are 5 Customer Personality Types You Might Have To Sell To appeared first on USB.

Account Fraud – An Old Criminal Activity with Modern Tweaks: How to Stay Protected from Scams

by Jason Ginsberg @ USB

Written by: Jason Ginsberg, Vice President, Head of Treasury Services, Union Savings Bank
Account fraud is one of the largest challenges facing businesses today. In fact, 45 percent of fraudulent activity in business is related to check fraud alone. The amount of inconvenience, anxiety, headache and, of course, cost that results from account fraud can be quite considerable. The FBI estimated aroun...

The post Account Fraud – An Old Criminal Activity with Modern Tweaks: How to Stay Protected from Scams appeared first on USB.

How Your Money Mindset Can Help You Build Wealth

by Elle Martinez @ Couple Money

Tried different budget systems, but can’t seem to get them to work? Jen Hemphill, Her Money Matters author, shares how changing your mindset can help you build wealth!  Understanding Money […]

The post How Your Money Mindset Can Help You Build Wealth appeared first on Couple Money.

Publix offering 90 days of generic meds for just $7.50

Publix offering 90 days of generic meds for just $7.50

by Theo Thimou @ clark.com

You probably already know that a lot of other retailers have offers of a 30-day supply of select generics for $4 or a 90-day supply for $10. Well, Publix is lowering that price to $7.50 for a 90-day supply.

Switching mortgages: what are the legal fees and which banks will pay them for you?

by @ bonkers.ie blog

Figures from the Banking and Payments Federation of Ireland reveal that just 777 borrowers switched or remortgaged for the third quarter of 2017, and though that number seems small, it represents a 15% growth on the year.

Experts at MyMortgages.ie have predicted that switching will experience double-digit growth in the first six months of 2018. This is because an increasing number of mortgage holders are becoming aware that switching to a lower rate could potentially save them anywhere in the region of €311 per month and €112,000 over the lifetime of an average €350,000 mortgage.

So, with so much to save, why have mortgage holders been so slow to switch?  

Well, switching can be scary, particularly when it comes to your biggest monthly bill. Then there’s all the paperwork and small print. And significantly, there’s also the murky legal fees that are associated with switching too.

If you’re like me, you recoil at the sound of ‘legal fees’, assume that they will always be big, and feel uneasy about the prospect of spending a lot of money without really knowing what it’s going towards.

So, let’s take a closer look at those legal fees, see what they’re for and find out how much they’ll cost you.

Why do I need to pay legal fees to switch mortgage providers?

If you decide to switch mortgage providers, you must employ a solicitor to take care of the processing, paperwork and liaising. Thankfully, when it comes to switching, the cost and workload for the solicitor is about half of what it is when buying a new property.

Most of your legal costs will go on your solicitor’s professional fee, with some extra euro going on his/her outlays, associated costs and, of course, VAT. Here’s a summary of what they’ll do for their fee:

1. First, your solicitor will request the deeds to your home from your old bank and act as the point of contact with your new bank for the switching process.

2. Your solicitor will then invite you in for a consultation to go through the loan offer from your new bank and to advise on any questions or concerns you might have.

3. If you’re happy to proceed with the switch, you’ll sign a new loan agreement, which your solicitor will send to your new bank. If you wish to add a new name to the title deeds of your home, your solicitor can help with that too.

4. Once there’s a legally-binding contract in place, your solicitor will continue to deal with your new bank (and a broker, if there’s one involved) until your loan cheque is issued.

How much can I expect my legal fees to be?

On top of the professional fees for the basic legal services provided by your solicitor, there will also be some “outlays”, which must be covered too. This includes the consultation time, along with the cost of the paperwork and administration. And then there’s VAT.

Although not strictly a legal fee, there is always a valuation fee associated with switching mortgages too, which will cost you between €150 - €250 plus VAT.

All in, legal fees for switching mortgage providers should amount to somewhere between €1,200 and €2,000.

Which banks will cover my legal fees when I switch?

As a clear sign of increasing confidence in Ireland’s property market, most banks are now offering to cover some or all of your legal fees to encourage borrowers to switch. Here’s what’s on offer:

Bank of Ireland – 3% cashback on the mortgage’s total value

If you switch your mortgage to Bank of Ireland before June 30th 2018, you’ll receive an unlimited 2% cashback return on the total value of your mortgage.

So, if you’re buying a home for €200,000 and are taking out a €180,000 mortgage, you’ll get €3,600 back straight away. That will cover your legal fees and should still leave you with something left over for a new coffee machine for your kitchen.

If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). 

KBC - €3,000

If you switch mortgages before March 31st 2018, KBC will contribute €3,000 towards your legal fees. You’ll receive this tidy sum within 30 days of drawing-down your mortgage, and it should cover your legal fees in full. KBC is also offering a 50% discount on its Home Insurance product for 12 months if you switch.

Ulster Bank - €1,500

By switching your mortgage to Ulster Bank, you’ll get €1,500 towards your legal fees. This offer is available until June 30th 2018.  

Permanent TSB - 2% cashback

Switch mortgages to Permanent TSB before March 31st, 2018 and you’ll get 2% cashback on your mortgage at drawdown and now 2% cashback on your mortgage repayment every month until 2027. What does that mean? Check out the following example:

Let's say your mortgage amount is €300,000. At drawdown, you'll get €6,000 back in cash and then you'll get a further €29.40 per month (€352.77 per year) until 2027. (Monthly cashback based on 3-year fixed rate of 3.30% over a 25-year term paid to 2027).

AIB - €2,000

To help cover your switching legal costs, AIB will pay you €2,000 into the current account you use to pay your new mortgage within two months of your switching.

Mortgage interest rates are where the real savings lie

While the prospect of having all switching legal fees covered is enticing, it is the interest rate on offer that will determine whether or not switching mortgages will save you money over the lifetime of your loan. Our mortgage calculator will help you determine where your best long-term option lies.

There are potentially tens of thousands of euros to be saved by switching mortgages. The banks' incentives to switchers are a sign of increasing competition in the mortgage market, which is promising for borrowers. The incentives on offer also confirm that short-term financial costs shouldn't be a deterrent to switching for borrowers who believe they are over-paying, and we hope to see the number of mortgage switchers continue to increase over the coming months.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Dreaming of a Franchise Business? Consider These 4 Questions Before Getting Started

by Taylor Marcucci @ USB

A question we regularly explore on this blog is how you can build on your business’s successes, and we’ve approached that challenge from several angles. Is there more you can do to personalize your customers’ shopping experience? Can you expand your presence on social media? Should you open a second location? There are many ways you can grow your business, and this week we’re going to take a look ...

The post Dreaming of a Franchise Business? Consider These 4 Questions Before Getting Started appeared first on USB.

Best Big Banks In The U.S. | Bankrate.com

Best Big Banks In The U.S. | Bankrate.com


Bankrate

They may not compete on interest, but large banks sure do on convenience and tech.

Social Media Marketing: Social Media Tips For Business

by TJ Ryan @ Business Transaction Accounts – Canstar

According to MYOB, only one third of all Australian businesses now have a website (31%), and even less have any social media presence (22%). These figures get a bit more promising when only looking at small and medium-sized enterprises; according to MYOB, roughly 50% of SMEs have a social media presence. We were surprised to find … Continued

The post Social Media Marketing: Social Media Tips For Business appeared first on Canstar.

First Time Home Buyers in Arizona | Best Loans for AZ First Time Home Buyers

by AHQ Ranking & Review Team @ AdvisoryHQ

Getting the Best Mortgage as a First Time Home Buyer in Arizona While homes in the dry, warm Arizona climate may have traditionally been thought of as for retirees-only, the state’s dynamic economic growth has boosted demand from first time home buyers in AZ. As reported in Forbes, cities like Phoenix and Flagstaff are experiencing […]

Copyright © 2018 www.AdvisoryHQ.com. All Rights Reserved.

10 things you must do if your identity is stolen

10 things you must do if your identity is stolen

by Laura Sayers, ClarkDeals.com @ clark.com

As cliché as it may sound, I never thought I would be a victim of identity theft. I have always been extremely careful with my personal information — shredding my personal documents, leaving my checkbook at home and only providing …

Kristi Liggins Appointed Senior Vice President-Deposit Operations Manager

by Scott Fahy @ HomeTrust Banking

Asheville, NC – HomeTrust Bank has announced the appointment of Kristi Liggins as Senior Vice President/Deposit Operations Manager.  According to Howard Sellinger, Chief Information Officer of Home Trust Bank, Liggins will oversee all deposit operations functions and will be responsible for ensuring the accuracy and efficiency of back-office processes in support of consumer accounts. “Kristi’s […]

The post Kristi Liggins Appointed Senior Vice President-Deposit Operations Manager appeared first on HomeTrust Banking.

Review of Barclays Online Savings and CDs

by Lindsay VanSomeren @ MagnifyMoney

Barclays is one of the largest and oldest banks in the world. In fact, it’s even older than the United States itself, having been founded by two London bankers in 1690. It’s been chugging along ever since, and while it’s still headquartered in the UK, they’ve branched out to become a multinational corporation with operations … Continue reading Review of Barclays Online Savings and CDs

The post Review of Barclays Online Savings and CDs appeared first on MagnifyMoney.

Mark E Smith’s family have revealed that the singer died from cancer

by Sun Internet 2 @ The Sun

THE Fall rocker Mark E Smith died of lung and kidney cancer, it emerged yesterday. Until now the cause of death of the 60-year-old on January 24 was unknown. But cancer was confirmed by his sisters Barbara, Suzanne and Caroline. They said on the band’s official website: “Mark fought a long and hard battle after […]

Chase Coupon Promo Codes: $200, $300, $350, $500 (Feb 2018)

by Tony Phan @ MoneysMyLife

Chase Bank coupon codes, bonuses, and promotions for their Checking, Savings and Business accounts can all be found up-to-date here. Chase promotions are constantly updated throughout the year, so bookmark this page for updates. Many Chase coupon codes are periodically available. Current and past coupons include the following: $100, $150, $175, $200, $250, $300, $350, $400, $500, $600 and […]

Compare Business Bank Accounts - CANSTAR

Compare Business Bank Accounts - CANSTAR


Canstar

Compare business transaction accounts to find low fee accounts with the right features for your business.

Open banking is coming and it's going to change everything

by @ bonkers.ie blog

In the last couple of weeks or months, you may have received an email or letter from your bank informing you of changes known as PSD2 coming into effect in early 2018. If you’re the curious sort, you probably looked into it yourself - but, if like me - you saw an email with the less than compelling subject line of “PSD2 is coming” or something to that effect, you probably scrolled right on past it and went on with your day...

No, it wasn’t just some small and inconsequential change to your bank’s terms and conditions, it’s actually quite a big deal and could have the potential to change how we conduct our day-to-day finances forever.

So, what’s it all about? The very short answer? Banks are now required to grant access to customers’ account details to third parties (at the customers’ discretions of course).

The long answer is a lot more complicated but we’ll endeavour to provide a fairly comprehensive overview of the new EU regulation and what it will mean for you, for banks and for other affected parties.   

What is PSD2?

The ‘2’ in ‘PSD2’ refers to the fact that it is a revised edition of the first Payment Services Directive which was introduced in 2007. PSD1 was designed to create a single market for the payments with the EU.

As time went by, and as customer demands changed and the market saw a distinct growth in new payment-related FinTech (or financial technology) companies, PSD2 seeks to level out the playing field to include all kinds payment service providers and not just traditional banks.

As previously mentioned, PSD2 requires banks to open their payments infrastructure and customer data assets to new forms of payment organisations. This means that banks’ application programming interfaces (or APIs) must be accessible, and they also must ensure strong customer protection through enhanced security measures. This will enable third-parties to build financial services on top of banks’ data and infrastructure.

The new directive aims to drive innovation and transparency amongst banks and fintech companies, reinforce consumer protection, improve internet security where payments are concerned, while also generating more competition in the market for the benefit of consumers.

How will PSD2 affect the banks?

PSD2 poses a real shake-up for banks because it introduces quite a few risks for them, chief among which is the threat of being reduced to a mere infrastructure provider by third party providers who’ll be able to position themselves between them and customers.

Commentators on PSD2 have noted that though open banking poses a threat to banks, it also serves a catalyst for growth and opportunity. Banks who focus on innovation, customer-centricity and collaboration with FinTechs will be those who emerge victorious on the other side.  

Banks are going to have to work very hard to establish methods of combating new players stepping in on their existing business models. PwC suggests a few ways that they could do this; for instance, by offering competitive, user-centric services themselves or interfacing with other banks to provide a comprehensive service that improves the relationship with their existing customers and is attractive to new customers.

We’ve already seen banks experimenting with their APIs and collaborating with fintechs in the last few years (think Apple Pay and Android Pay) in response to changed customer expectation and increased digitalisation, so it will be very interesting to see what kind of customer-centric innovation we will see in the coming years driven by open banking.

Let’s hope it can only mean good news for you and your bank!

How will PSD2 affect me as a banking customer?

So, what will open banking mean for you in a more tangible sense, you ask?

Essentially, PSD2 will break down your bank’s monopoly on your data. It will allow a variety of businesses to retrieve your account data from your bank (always with your permission) to make payments. For example, in the next couple of years you could find yourself paying your bills via Google or Amazon.

The number of new services that could arise as a result of PSD2 regulation are numerous, as suggested by this list of suggestions from PwC;

  • Innovative payment services from merchants that wouldn’t require cards.

  • Apps that give access to information through a single touchpoint or an app that aggregates and monitors expenses across various different bank accounts.

  • Cardless withdrawal via NFC technology will become a convenient and popular option.  

  • Already an existing technology, we could see location-based couponing gaining a lot more traction. This is where nearby companies reach out to you via your smartphone to offer discounts and coupons.

  • Instant P2P payments: Instantaneous payments via mobile wallet on many p2p accounts and towards operators with advanced features

  • Decoupled cards (debit cards not issued by, and not tied to, any particular bank) offering decoupled from payment accounts.

The future is bright

PSD2 shouldn’t be a cause for worry for banking customers, indeed it looks as if it’s the banks who are going to have to make all the effort to keep us interested as the market is opened up to newcomers, doubtlessly offering new and innovative digital financial solutions.

Here at bonkers.ie, we’re expecting to see some interesting things in the coming months and years.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

eir vs Sky vs Virgin Media vs Vodafone – how do they compare?

by @ bonkers.ie blog

If I was to ask you what you look for in a broadband plan, what would you say?

You’d want it to be fast and reliable, right? And not too expensive? Maybe you’d like to see if there are any nice sign-up up bonuses too. Sometimes, these can be very nice indeed!

There a lots of other nitty-gritty details such as landline minutes, HD compatibility and extra TV channels that might be of interest to you too.

But let’s be honest, these features aren’t the most important things to be considering when signing up to a 12- or 18-month contract, are they? They’re side-notes.

Chances are, you mostly care about three basic things when picking a bundle:

    1. What you get

    2. What it costs

    3. What sign-up bonuses are on offer

So let’s put a pin in the distracting details, introductory discounts and head-spinning marketing messages and take a look at how the main providers really stack up.

To create as level a playing field as possible, we’ll compare the entry-level Tripleplay bundles (that’s broadband, TV and home phone) from eir, Sky, Virgin Media and Vodafone. And to make the pricing as clear as possible, we’ll compare the average monthly cost over the course of the contract with each.

Right, them’s the rules. Now let’s get comparing!

eir

1. What do you get?

With eir you get unlimited 100 Mb broadband, a home phone plan and over 50 digital TV channels. Great!

2. What does it cost?

It’s an 18-month contract and costs €50 a month for the first 12 months and €91 a month after that. So, the average monthly cost over the course of the contract is €64.

3. What sign-up bonuses are on offer?

Here’s where it gets really good.

You get eir Sport for free which comes with seven premium live sports channels that usually costs about €20 a month.

With such a long discount and sign-up bonuses like free access to sport, eir will take some beating. And you can sign up to this eir deal now.

Let’s see if Sky can take them on.

Sky

1. What do you get?

With Sky, you get unlimited 100 Mb broadband, a home phone plan and over 50 digital channels. So, essentially the same as eir.

2. What does it cost?

It’s a 12-month contract and the monthly price is €64.50 a month for the first year, rising to €84.50 thereafter. Since it’s a 12-month contract, the good news if you want to leave once the discounted rate comes to an end, you can!

This Sky bundle is available for sign up now.

3. What sign-up bonuses are on offer?

With Sky, you get access to the ridiculously popular Sky Atlantic. Good news for Game of Thrones addicts!

Virgin Media

1. What do you get?

With Virgin Media, you get unlimited 240 Mb broadband, a home phone plan and over 50 digital channels. So, faster broadband than eir and Sky.

2. What does it cost?

Virgin Medias offering €25 off its standard pricing for this offer for the first 12 months (or the entire length of your contract!) so you'll pay €64 per month for the first 12 months, after which the price will rise to €89 a month. As with Sky, it's a 12-month contract so you can switch providers again once the special discount rate comes to an end. 

3. What sign-up bonuses are on offer?

As a new Virgin Media customer, you’ll have exclusive access to its Red House Ninja service. A team of tech experts will visit your home and make sure that you’re getting the best out of your Virgin Media services. The team will install the best modem, check the Wi-Fi signal in every room, repair any old wiring issues, connect all home devices, give advice on how to maximise your in-home speed, as well as ensuring that you are getting the most out of your TV service.

You can sign up for this Virgin Media deal right here, right now.

Vodafone

1. What do you get?

With Vodafone, you get unlimited 100 Mb broadband, a home phone plan and over 50 digital channels. So, basically the same as eir and Sky, but the broadband ain’t as fast as Virgin Media’s.

2. What does it cost?

Until the end of February 2018, you can sign up for this offer and pay just €25 per month for the first 6 months, rising to €80 per month after that. It’s an 18-month contract so the average monthly cost works out at €61.67.

3. What sign-up bonuses are on offer?

You can pick between 6 months of free eir Sport or 6 months of free multi-room viewing.

This Vodafone offer is up for grabs right now.

Who wins?

Well, it’s impossible to pick a clear winner across the board.

Virgin Media has the fastest broadband at the moment but eir and Sky have great sign up incentives.

The key point here is that there are some genuinely fantastic Tripleplay offers out there at the moment.

If you aren’t happy with your broadband speed or the price you’re paying, there’s no reason to settle. All of the deals we’ve covered are available for sign up on bonkers.ie right now.

Provider

Core features

Avg monthly price

Sign up bonus

eir

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€64

  • free eir Sport

Sky

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€64.50

  • free Sky Atlantic

Virgin Media

  • 240 Mb broadband

  • 50+ TV channels

  • home phone

€64

  • Red House ninjas

Vodafone

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€61.67

  • 6 months free eir Sport or

  • 6 months free multiroom

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Poundland hits back after school magazine brands GCSE Grade 4 a Poundland Pass

by FIONA NIMONI @ The Sun

DISCOUNT retailer Poundland has hit back after a school magazine branded a GCSE Grade 4 as a “Poundland Pass”. The popular store was targeted by TES, a weekly publication aimed at school teachers in the UK. They said despite a Grade 4 and 5 both equalling a C, “grade 4 is Poundland C and grade […]

Do’s and Don’ts When Using Shopping Apps

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Retailers such as Target and Amazon are embracing mobile applications to help consumers save money and time with features like digital wallets and augmented reality. When used strategically, apps can…

How to Raise Your Credit Score 100 Points or More in Less Than 5 Months

by Jeff Rose @ Good Financial Cents

Raising your credit score 100 points is easier than many people might think, especially if you currently have bad credit. Step 1 – Know Where You Are Pull your credit score to determine where you are and how much damage control you need to do. There are dozens of websites that you can use, but... Continue Reading-->

The post How to Raise Your Credit Score 100 Points or More in Less Than 5 Months appeared first on Good Financial Cents.

The best bank switching, cashback and interest offers | Be Clever With Your Cash

The best bank switching, cashback and interest offers | Be Clever With Your Cash


Be Clever With Your Cash

One of the quickest ways to make some extra cash is to take advantage of the very competitive current account market and get a switching bonus, cashback or high interest on your savings. If you’ve been with the same bank since your first job or University, you’re probably missing out. Since seven-day switching was introduced in …

Let Alexa spice up your Valentine’s Day with these romantic Amazon Echo skills

by Sean Keach @ The Sun

DON’T leave the success of your Valentine’s Day down to chance – enlist the help of a smart speaker to make sure your night of romance goes smoothly. Amazon has exclusively revealed to The Sun the very best Alexa skills for your Amazon Echo to help you get your Valentine’s Day in order. If you’ve […]

Best Bank Account Interest Rates - Summary for February 6, 2018

Best Bank Account Interest Rates - Summary for February 6, 2018


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The post Get Off Your Assets and Put Your Money to Work appeared first on Adulting.

Bank or Credit Union: Which One Is Right for You?

Bank or Credit Union: Which One Is Right for You?


The Balance

Banks and credit unions offer similar services, but credit unions are customer-owned not-for-profit organizations. Rates vary from place to pl

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One of the core challenges of running a business is ensuring you have the appropriate level of inventory to meet anticipated demand. While you may have an inventory system that times your seasonal demand cycles down to a science, securing the capital to finance your inventory is an entirely different task. Accessing credit to fund short-term inventory needs can be especially difficult if your busi...

The post Is Inventory Financing Right For Your Small Business? appeared first on USB.

Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans

by Lindsay VanSomeren @ MagnifyMoney

Most Americans probably think of fancy white-collar stock traders on Wall Street when they think of Goldman Sachs, a global investment firm that’s been around since the late 19th century. In recent years, Goldman made a major pivot, launching a new arm of the company called GS Bank, which would provide internet-only savings accounts to … Continue reading Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans

The post Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans appeared first on MagnifyMoney.

Travel deal alert: The best cheap Spring Break destinations for 2018

Travel deal alert: The best cheap Spring Break destinations for 2018

by Mike Timmermann @ clark.com

Booking.com reports that some of the most popular Spring Break destinations will actually be more affordable this year! Here's the list.

Student Checking Account Comparisons | MyBankTracker

Student Checking Account Comparisons | MyBankTracker


MyBankTracker

Choosing the right checking account for your child is important. Compare student checking accounts offered at the top 10 banks to find the right one for your child.

PNC

PNC


PNC

We can help you gain the confidence you need to make important financial decisions for you, your family or your business.

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Have you looked at the unit price on food items and household necessities at Dollar Tree? Sometimes the price is far from a deal...

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by Mandy Lutman @ The Spotahome Blog

Brussels' position in the centre of Europe makes it the perfect base, and within less than two hours to the cities of Bruges, Leuven, De Haan, Dinant and Ghent.

10 Best Financial Advisors & Wealth Management Firms in Houston, TX | 2018 Ranking

by AdvisoryHQ Ranking Team @ AdvisoryHQ

RANKING & REVIEWS BEST FINANCIAL ADVISORS IN HOUSTON, TX 2018 Ranking: Top Financial Advisory Firms in Houston, Texas If what they say is true, and everything really is bigger in Texas, you should easily be able to find bigger and better financial advisors in Houston, right? Well, if you came to this page looking for one […]

Copyright © 2018 www.AdvisoryHQ.com. All Rights Reserved.

College Savings Month

by Scott Fahy @ HomeTrust Banking

The new found independence of college can be hard! Here are a few articles and helpful hints to help get you started on your new journey. If you ever need any hands on help, come on in to a branch nearest you. Paying for College Top 10 Personal Finance Tips for College Students 6 Financial […]

The post College Savings Month appeared first on HomeTrust Banking.

Female friendship is a joy but it’s best for celebrities to walk away when there’s a fight

by Sun Internet 2 @ The Sun

WELL, well, well. Who knew what fantastically accom­plished actresses those Sex And The City gals were, eh? The cosy chats in cafes, the raucous nights in wine bars, the shared sobfests over lost loves . . .  all scripted to exude the warm glow of an unbreakable female friendship spanning decades. But as soon as the cameras switched off, […]

How to get the most out of your digital marketing analytics

by Taylor Marcucci @ USB

“What are our marketing dollars buying us?”
If you’ve been around long enough, you’ve either asked this question about your own business or had an executive ask this question to you. Regardless of who asks the question, it’s definitely one of the biggest challenges that companies face. The correct insight can help you double-down on a successful campaign, while a wrong answer can cause you to wast...

The post How to get the most out of your digital marketing analytics appeared first on USB.

Bank accounts: �200 switch bonus or 5% interest current account

Bank accounts: �200 switch bonus or 5% interest current account


MoneySavingExpert.com

Martin Lewis reveals how to compare and switch to the best bank accounts that can save you �100s a year.

Latest food & drink deals inc Pizza Day discount | Uber Eats/Amazon Restaurant codes

by Andy Webb @ Be Clever With Your Cash

The best deals right now for some free or cheap food and drink! From lunch discounts and vouchers to free samples and restaurant deals, read on for the best food and drink deals you currently available. Here are a few quick links to help you navigate. Restaurant deals, including Tastecard offers and Pizza Day discount  […]

The post Latest food & drink deals inc Pizza Day discount | Uber Eats/Amazon Restaurant codes appeared first on Be Clever With Your Cash.

The 10 Best Vanguard Funds

by Jim Wang @ Wallet Hacks

I love Vanguard. The bulk of my investments are there, minus a few dividend growth stocks I hold in an Ally Invest account (formerly TradeKing). I'm not the only one. Of the top 25 largest mutual funds by assets, sixteen are from Vanguard (source). A clarification – many of the funds on the Marketwatch list […]

The post The 10 Best Vanguard Funds appeared first on Wallet Hacks.

25+ Restaurant Apps That Give Free Food for Downloading

by Jim Wang @ Wallet Hacks

Do you like free food? And it's nowhere near your birthday? If you have a smartphone and are willing to download some apps, you can still score some free food. Fast food is a guilty pleasure for many of us, especially when life is crazy, and you need food fast or when you need a […]

The post 25+ Restaurant Apps That Give Free Food for Downloading appeared first on Wallet Hacks.

The Best Bank Sign-Up Bonuses and Perks

The Best Bank Sign-Up Bonuses and Perks


Two Cents

Let’s say your bank sucks, treats you poorly, and you’re ready to break up with them. While you’re on the hunt for a new, better place to store your money, remember this: some banks will pay you to switch.

Best Events and Festivals in Europe - February 2018

Best Events and Festivals in Europe - February 2018

by Sabrina @ The Spotahome Blog

With Carnival season upon us, we look at the best parties around Europe this February, from the Carnival celebrations in Venice to Chinese New Year.

The Best Banks In America | Bankrate.com

The Best Banks In America | Bankrate.com


Bankrate

Our winners score big with both a top checking account and a quality savings account.

Protected: Testing New Bankrate Tags

by Ogbe Airiodion @ AdvisoryHQ

There is no excerpt because this is a protected post.

Copyright © 2018 www.AdvisoryHQ.com. All Rights Reserved.

3 Programs That Help Small Business Owners Get Loans through Their Local Bank

by Jen Tomaino @ USB

It can be difficult to secure small business funding as a business owner, especially if you’re just starting out or have hit hard times. In these situations, it pays to have a relationship with your local community bank. A local rep can take the time to get to know your unique needs and recommend solutions tailored to your financial situation. When it comes to securing funding, there are a number ...

The post 3 Programs That Help Small Business Owners Get Loans through Their Local Bank appeared first on USB.

Pizza Express gives away free meals to customers – here’s how YOU could get one

by Danny De Vaal @ The Sun

Pizza Express is giving away free meals to lucky customers – and here’s how you could bag one. The pizza chain has been giving out blank bills to certain diners and it seems those customers who are nice are more likely to receive one. A picture posted on the ’10 Ways to Have More Money’ […]

How to Plan Your Dream Wedding Without Going Into Debt

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by Elle Martinez @ Couple Money

Do you want your wedding day to be beautiful, memorable, and meaningful without spending a ton of money or getting into debt? Learn how you can plan your dream wedding […]

The post How to Plan Your Dream Wedding Without Going Into Debt appeared first on Couple Money.

Love quotes for him and her – the best quotations for Valentine’s Day 2018 from books and films

by rpemberton @ The Sun

WITH Valentine’s Day only a day away, some people suffering with writer’s block may be struggling to find the words to let their loved one know how they truly feel.   But when in doubt, it can be good to get inspiration from some of the most memorable love stories in movies and books. What […]

The 6 Best Small Business Checking Accounts for 2018

The 6 Best Small Business Checking Accounts for 2018


Fit Small Business

There are a lot of factors to consider when choosing the best small business checking account, including costs, terms, and physical locations. Take a look at how the best checking accounts compare for small businesses.

Ally Bank Online Checking, Savings, CD, Investing Promotions

by Tony Phan @ MoneysMyLife

Ally Bank is another great online-only bank, and offers nationwide online Checking, Savings, Money Market, CD and IRA accounts that earn market leading rates. Ally Bank is an internet-only bank based in Utah and offers a wide variety of deposit accounts, as well as auto financing services. Their online banking platform features Ally eCheck Deposit, which offers […]

What’s the Subway Valentine’s Day 2018 offer? How to get a free sub in the February 14 meal deal

by rpemberton @ The Sun

VALENTINE’S Day is a time of love and romance, and it’s just got a whole lot better – you can now get a free 6in Subway on the big day! Forget having to splash out on an expensive restaurant menu for your lover or friend, as you can pick up a sub free of charge […]

The Secret Sauce to Financial Independence & Early Retirement

by Elle Martinez @ Couple Money

Want to retire early or achieve financial independence? Learn the one KEY habit that has helped couples retire in their 30s! Achieve Financial Independence Together Over the years, as I’ve […]

The post The Secret Sauce to Financial Independence & Early Retirement appeared first on Couple Money.

January Gets the Cheapest Flights So Book Your Next Vacay Now

by Miranda Marquit @ Adulting

Ready for a break? January might be the best time for you to book your next flight. More info.

The post January Gets the Cheapest Flights So Book Your Next Vacay Now appeared first on Adulting.

Who Has The Best Car Insurance for Young Adults in 2018?

by Jeff Rose @ Good Financial Cents

When you’re a teenager or young adult, buying car insurance isn’t the most pleasant of experiences. On the one hand, auto insurance coverage is required for all drivers in every state in the US (except New Hampshire). On the other, teenagers and young adults pay the highest premiums for coverage. We’re going to try and... Continue Reading-->

The post Who Has The Best Car Insurance for Young Adults in 2018? appeared first on Good Financial Cents.

Best Savings Accounts And High Yield Rates February 2018

by Tony Phan @ MoneysMyLife

Do you need to find out which bank has the best Savings Account rates? Or, how about which has the best Money Market interest rates? Maybe you need a quick overview of the differences between the two types of interest-earning accounts to begin with. We’ll go over all of these questions and help you find the best […]

Children Who Kill was ‘toughest challenge’ of Susanna Reid’s career

by Andrew Whiteford @ The Sun

SHE tackles breaking news, grills slippery politicians and talks to victims of tragedies as a presenter on Good Morning Britain. But SUSANNA REID says filming for her latest ­documentary, Children Who Kill, has been the ­toughest challenge of her career. In particular, Susanna dubbed her interview with American murderer Joshua Phillips “extremely distressing” — as […]

Where can I buy vegan chocolate for Valentine’s Day 2018? From Hotel Chocolat, Ben & Jerry’s, and Booja-Booja

by Anna Johnstone @ The Sun

IF YOU’RE wanting to treat your partner or friend to some chocolate this Valentine’s Day, it can be quite tricky if they’re on a restrictive diet. But many brands now cater to vegans and have dairy-free options available, so they’ll still be able to tuck into a box of chocolates on February 14. The All […]

Dancing On Ice’s Kem Cetinay gets romantic with partner Alex Murphy in backstage snaps

by lrandell @ The Sun

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Is Online Banking Safe? How to Boost Your Banking Security

by Margarette Burnette @ NerdWallet

When you bank online, you trust that your account is safe from hackers. Even so, online accounts can seem to consumers like easy targets: Instead of robbing a bank, a…

Best Bank Accounts for Adults, January 2018 | Adulting

Best Bank Accounts for Adults, January 2018 | Adulting


Adulting

Choose one of these best bank accounts to handle your finances like an adult.

HomeTrust Bancshares, Inc. Reports Financial Results For The First Quarter Of Fiscal 2018

by Scott Fahy @ HomeTrust Banking

ASHEVILLE, N.C., Oct. 30, 2017  — HomeTrust Bancshares, Inc. (NASDAQ:HTBI) (“Company”), the holding company of HomeTrust Bank (“Bank”), today announced preliminary net income of $5.6 million for the quarter ended September 30, 2017, a $1.7 million, or 45.6% increase over net income of $3.8 million for the same period a year ago. The Company’s diluted […]

The post HomeTrust Bancshares, Inc. Reports Financial Results For The First Quarter Of Fiscal 2018 appeared first on HomeTrust Banking.

Fixed 2% mortgage rates on the way for some first-time buyers

by @ bonkers.ie blog

The challenges facing Ireland’s first-time buyers are well-documented.

Rents are at an all-time high, house prices are up 9.2% year on year and the banks still require a minimum deposit of 10% from first-time buyers looking to get on the property ladder.

Coupled with a chronic housing shortage, these conditions have created a perfect storm of barriers for prospective buyers.

To help make housing more accessible, the Government recently renewed its commitment to the Help-To-Buy Scheme and has now launched a new initiative, designed to help certain first-time buyers who have been unsuccessful in their attempts to make that elusive house purchase.

What are the details of the new scheme?

From February 1st, first-time buyers who meet certain criteria (detailed below) will be able to apply for a Government-funded Rebuilding Ireland Home Loan from a local authority.

The Government has committed €200 million to the scheme for 2018. If it’s successful, this amount could be increased next year.

What are the eligibility criteria?

To qualify, first-time buyers must have a gross annual income of €40,000 or less; couples applying together must earn must earn €75,000 or less.

Applicants must also have had mortgage applications rejected or been offered a loan that wasn’t large enough to make a purchase on at least two occasions.

What type of property can be purchased with a Rebuilding Ireland Home Loan?

Rebuilding Ireland Home Loans can be put towards new builds, second-hand homes and self-builds.

Houses with a value of up to €320,000 in the greater Dublin area, Cork and Galway can be purchased under the scheme. In all other parts of the country, values are capped at €250,000.

The Central Bank’s loan-to-value ratio rule still applies, meaning that first-time buyers must provide a deposit of 10% when making a purchase.

What mortgage rates are available?

Mortgage rates of as little as 2% to 2.25% are available with a Rebuilding Ireland Home Loan.

Significantly, these rates are fixed for 25 to 30 years, giving certainty and peace of mind to borrowers.

These rates will be the lowest first-time buyer rates available on the Irish market by some margin.

How do Rebuilding Ireland Home Loan rates compare to the banks’ best rates?

Ireland’s mortgage rates are still among the highest in the EU, despite cuts from most leading lenders in 2017.

The best first-time buyer rate available at the moment is 3.15%. So, a Rebuilding Ireland Home Loan will be significantly cheaper over the lifetime of a mortgage.

Take a first-time buyer looking to buy a house in Dublin for €320,000, for example. Let’s say she/he has the requisite 10% deposit (€32,000) and is looking to borrow the remainder; €288,000.

With a repayment rate of 3.15%, her/his monthly repayments will be €1,388 every month. Over 25 years, that’s a total of around €416,000.

With a fixed rate of 2%, however, a mortgage for the same property would cost €1,220 every month, or about €366,000 over 25 years. That’s over €50,000 cheaper.

How can I apply?

The Government's new scheme will launch on February 1st when rebuildingirelandhomeloan.ie goes live.

First-time buyers who don’t qualify for a Rebuilding Ireland Home Loan should compare mortgage rates from Ireland’s leading lenders to find the best rates available.

Pressure on the banks

This latest attempt by the Government to tackle Ireland's housing issues is unlikely to solve the fundamental problems of low supply and pent-up demand, but it should significantly help a select group of first-time buyers.

The greatest impact of the initiative could be the pressure it puts on Ireland's leading lenders. Borrowers across the country will rightfully wonder why it is feasible for the Government to fund loans at 2% over 25 years, at a time when traditional lenders still seem reluctant to offer sub-3% loans to anyone.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Places Where Americans Live the Most Balanced Lifestyles

by Kali McFadden @ MagnifyMoney

As Americans, we’re often focused on status markers, like the amount of money we make, but research indicates that time we spend with people we care about, good health and income equality are some of biggest factors that lead to happiness. It’s not just how much we earn, it’s what we have to do to … Continue reading Places Where Americans Live the Most Balanced Lifestyles

The post Places Where Americans Live the Most Balanced Lifestyles appeared first on MagnifyMoney.

Pub landlord faces investigation over golliwogs behind his bar in Essex — but refuses to remove them

by rbayne @ The Sun

A PUB landlord is under investigation over a collection of golliwogs he put on display in the bar. Chris Ryley, 59, refuses to take down the dolls, which have been given to him by customers. But he could lose his licence after a racism complaint was made to the licensing authority. Chris, who runs the […]

TaxAct Review 2017 – A Powerful Tax Software Solution to Fill Most Needs

by Kevin Mercadante @ Cash Money Life | Personal Finance, Investing, & Career

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at TaxAct Review 2017 – A Powerful Tax Software Solution to Fill Most Needs.

TaxAct is one of the leading tax preparation software packages available. The service was founded in 1998, and it enables you to prepare all types of returns, regardless of the degree of difficulty. Small and medium-size business tax returns are a niche of this product, but they even have a professional edition available for career ... Read More about TaxAct Review 2017 – A Powerful Tax Software Solution to Fill Most Needs

~$~

All content copyright Cash Money Life | Personal Finance, Investing, & Career; if you are reading this on another website it has been illegally reproduced in violation of copyright laws.

The Definitive List of the Best Bank Website Designs

The Definitive List of the Best Bank Website Designs


SilverCloud Inc.

Ready to be inspired?! Take a look at some of the best bank website designs in the industry. And then get started on reimagining your own.

The Best Spin Bikes

by Philip Palermo @ Reviews.com

Kirk Bevan Joins HomeTrust as Branch Manager

by Scott Fahy @ HomeTrust Banking

Greenville, SC – HomeTrust Bank is pleased to announce Kirk Bevan has joined the Bank’s leadership team as Branch Manager of a Greenville, SC banking office. Bevan will manage the retail operations and sales & service staff of the office located at 499 Woodruff Road. “We’re thrilled to have Kirk at HomeTrust,” commented HomeTrust Market President […]

The post Kirk Bevan Joins HomeTrust as Branch Manager appeared first on HomeTrust Banking.

The Best Banks of 2018 | Reviews.com

The Best Banks of 2018 | Reviews.com


Reviews.com

The best bank should maximize your investment with high interest rates and low fees and it should also make saving and money management painless.

Tottenham star Dele Alli shows he is getting back to his best after starring against Juventus in Champions League

by Jake Lambourne @ The Sun

WELCOME back, Dele Alli. A month ago some of us were wondering if we would ever see the Tottenham and England back to his best before this summer’s World Cup. And after his early lack of concentration allowed Gonzalo Higuain to fire Juventus ahead after just 75 seconds you feared the midfielder was going to […]

Strictly’s Brendan Cole confirms AJ Pritchard and Mollie King DID get together on the show

by FIONA NIMONI @ The Sun

BRENDAN COLE is already spilling Strictly Come Dancing secrets – two weeks after being axed from the show. The professional dancer has confirmed MOLLIE KING and AJ PRITCHARD’s relationship — 70 days after I first revealed the pair, who danced together on the last series were secretly in a romance. Speaking from the stage on […]

The countdown to the 2018 bonkers.ie National Consumer Awards is on!

by @ bonkers.ie blog

We can’t wait to see all of the shortlisted nominees next Thursday at the beautiful Round Room at the Mansion House. Speaking of the shortlist, let’s remind ourselves which companies made the grade this year… 

Virgin Media leads the way with six nominations, Energia and Electric Ireland both have five nominations and eir has four.

Below is a full list of the companies that made the shortlist and you can view all of the categories on our dedicated awards site here.

The Shortlist:

  • Bord Gáis Energy

  • Eir

  • Electric Ireland

  • Energia

  • Flogas

  • Just Energy

  • KBC Ireland

  • Netflix

  • NOW TV

  • Pepper Mortgages

  • Permanent TSB

  • Pinergy

  • Pure Telecom

  • Sky Ireland

  • SSE Airtricity

  • Virgin Media

  • Virgin Mobile

The bonkers.ie National Consumer Awards will celebrate excellence in customer value in thirteen categories across banking, broadband & TV, energy, marketing and service.

The winning company in twelve of the thirteen categories will be selected by an independent judging panel, which is chaired by Bobby Kerr and includes an array of industry experts such as Michael Mulhall, Peter Callan and Lucy Campbell.

Best Customer Service – public vote

The winner of the Best Customer Service category will be selected by members of the public. This highly competitive category will be contested by Electric Ireland, Flogas, Pure Telecom, Sky, SSE Airtricity and Virgin Media.

A night to remember...

If the resounding success of last year’s awards is anything to go by, attendees are in for a treat! We look forward to greeting you at 6.30PM next Thursday but until then be sure to check out our awards website for full details of what’s in store.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Top 11 Best Online Savings Account Banks - Start Making Interest Today!

Top 11 Best Online Savings Account Banks - Start Making Interest Today!


Good Financial Cents

The industry's low interest rates don't have many excited about online savings accounts, but liquid and safe saving should still be part of your financial strategy. We outline the best accounts so that you can start earning interest today.

Rates, Fees, & Market Trends For Business Bank Accounts In 2017

by TJ Ryan @ Business Transaction Accounts – Canstar

Canstar’s latest Business Savings and Transaction Account research reveals the fees, interest rates, and features available in 2017.

The post Rates, Fees, & Market Trends For Business Bank Accounts In 2017 appeared first on Canstar.

Is Personal Capital Safe? Personal Capital Security Explained

by Jim Wang @ Wallet Hacks

I use Personal Capital on a monthly basis to collect my net worth information. I've been at it for over a decade. When I tell people I use a tool to do it, they all ask me the same question – is Personal Capital safe? Security is one of the biggest concerns people have with […]

The post Is Personal Capital Safe? Personal Capital Security Explained appeared first on Wallet Hacks.

Compare the Best Savings Accounts in Australia for February 2018* | finder.com.au

Compare the Best Savings Accounts in Australia for February 2018* | finder.com.au


finder.com.au

What's the best bank to have a savings account? Compare the best compounding interest savings accounts for saving money. Our top 10 here.

How to do Valentine’s Day the Clark Smart way

How to do Valentine’s Day the Clark Smart way

by Clark Howard @ clark.com

Valentine’s Day is coming up. Are you ready, guys? Every year I see people who haven’t planned ahead and have to make last-minute purchases at the end of the business day on February 14. I just know they’re getting fleeced …

I’ve had meaningless sex with dozens of women over the years but I struggle to find love — is there any hope for me?

by Andrew Whiteford @ The Sun

DEAR DEIDRE: I  HAVE had meaningless sex for years with dozens of women, but I thought I’d found lasting happiness when I appeared on a dating show. I had sex with a girl I met there and it felt like the real thing but sadly, this relationship ended quickly, just like all the others. I […]

Explore the Best Savings Accounts for Kids

Explore the Best Savings Accounts for Kids


Better Money Habits

Determine which savings account is best suited for your kids' needs. Learn more about the best child savings accounts with tips from Better Money Habits.

Navy Federal Credit Union Review

by Jeff Rose @ Good Financial Cents

You probably won't be surprised to hear there are over 6,000 banks and another 6,000 credit unions in the United States. You can't drive down the road without passing at least a dozen different banks. If you're looking for a new bank, it can be an overwhelming search. Each bank or credit union is going... Continue Reading-->

The post Navy Federal Credit Union Review appeared first on Good Financial Cents.

Your Last Will and Testament

by Jeff Rose @ Good Financial Cents

Creating an estate plan, writing down your last will and testaments, and identifying a healthcare proxy don’t seem like a fun way to spend a weekend. However, organizing your end of life paperwork and making sure you have a plan for your finances are some of the most important tasks you can complete as an... Continue Reading-->

The post Your Last Will and Testament appeared first on Good Financial Cents.

Top 11 Financial Advisors & Wealth Management Firms in Florida | 2018 Ranking

Top 11 Financial Advisors & Wealth Management Firms in Florida | 2018 Ranking

by AdvisoryHQ @ AdvisoryHQ

RANKING & REVIEWS BEST FINANCIAL ADVISORS IN FLORIDA 2018 Ranking: The Best Financial Advisors in Florida (Statewide) Florida is known for its glam and its luxury, which means there is a lot of money circulating through the Sunshine State. But if you want to keep the good times going without going bust, you’ll need professionals […]

Copyright © 2018 www.AdvisoryHQ.com. All Rights Reserved.

Best Banks and Credit Unions 2018 - NerdWallet

Best Banks and Credit Unions 2018 - NerdWallet


NerdWallet

Best Banks Want to keep all of your accounts under the same roof? We researched financial institutions to identify those with the best deposit accounts. Six earned spots in both…

Army chiefs forced to shell out £100m after decade of abuse claims

by Katherine Riley @ The Sun

BRIT troops have been targeted over alleged abuses for almost a decade. The MoD has paid out more than £20million in compensation to Iraqis. Another £13million has been spent settling around 300 abuse claims. The total cost of legal action arising from both the Iraq and Afghanistan conflicts is £100million. In 2009 the £31million Al-Sweady […]

Show Them You Care. 4 Ways To Step Up Customer Appreciation & Improve Customer Retention

by Taylor Marcucci @ USB

For many consumers, receiving the best product or service at the best price won’t win their business or improve customer retention – the key is actually a satisfactory shopping experience. Survey findings compiled by GrooveHQ reveal that 82% of consumers have left a company because of a bad service experience. This willingness to leave can cost your business a pretty penny. Last year alone, U.S. r...

The post Show Them You Care. 4 Ways To Step Up Customer Appreciation & Improve Customer Retention appeared first on USB.

What are the 7 signs which could mean you’ll get dumped on Valentine’s Day? Dr Pam Spurr reveals all

by rpemberton @ The Sun

VALENTINE’S Day is a time for extremes. There are loved-up couples canoodling over cafe menus, without a care they’ll pay inflated prices. Having someone to cuddle makes it worth it! V-Day is not only red-hot for romance but red-hot for heartbreak. So here are the seven signs to look out for so you won’t be surprised […]

The Best Wedding Insurance

by Philip Palermo @ Reviews.com

Top Financial Advisors and Best Wealth Managers in the US & UK | Top Ranking Lists

by AdvisoryHQ Ranking Team @ AdvisoryHQ

2017—2018 RANKING LISTS TOP RANKING BEST FINANCIAL ADVISORS & RIAS This publication presents the lists of top financial advisors, Registered Investment Advisors (RIAs), and wealth management firms across the U.S. and U.K. that have been reviewed and rated in 2017 & 2018.  Bookmark this page and check back often. As AdvisoryHQ performs additional reviews and rankings of top […]

Copyright © 2018 www.AdvisoryHQ.com. All Rights Reserved.

Ever wondered who gets to keep the ring if your break off the engagement? Here’s the legal answer

by Anna Johnstone @ The Sun

DURING a proposal, the last thing on anyone’s mind is the idea that the flashy engagement ring will ever be removed. However, circumstances change (perhaps don’t mention this to your friends who got lucky this Valentine’s Day though), and under UK law, the ring does have a rightful owner. So, in the unlikely and unfortunate […]

Organising Your Business: 10 ways to keep on track

by Justine Davies @ Business Transaction Accounts – Canstar

Running a small to medium sized business (SME) is an intensive and full-time role. With a high level of day-to-day pressure, there isn?t always time to take a step back and look at the bigger picture. National Australian Bank (NAB) has developed 10 top tips for SMEs to help keep your business on track this … Continued

The post Organising Your Business: 10 ways to keep on track appeared first on Canstar.

The Best Foundation

by Amanda Cole @ Reviews.com

Top 5-Star Rated Business Savings Accounts & Transaction Accounts In 2017

by TJ Ryan @ Business Transaction Accounts – Canstar

Looking for the best business bank account? Canstar reveals its 5-star ratings for 2017 for Business Savings and Transaction Accounts.

The post Top 5-Star Rated Business Savings Accounts & Transaction Accounts In 2017 appeared first on Canstar.

Looking to Attract (or Retain) Talent? Consider Sprucing Up Your Employee Benefits

by Taylor Marcucci @ USB

Employee acquisition and retention can be tricky tasks, especially when you’re dealing with new generations that have different values and expectations about their jobs than their parents and grandparents. These challenges are perhaps most apparent in the changing landscape of employee perks and benefits, which recently made headlines in a Washington Post report about a potential tax break in the ...

The post Looking to Attract (or Retain) Talent? Consider Sprucing Up Your Employee Benefits appeared first on USB.

Best Credit Cards for Adults, February 2018

by Harlan L. Landes @ Adulting

If you can handle a credit card like an adult, you might as well maximize the benefits! These best credit cards offer bonuses and other perks. More info.

The post Best Credit Cards for Adults, February 2018 appeared first on Adulting.

Shop Local, Bank Local: How Small Business Owners Benefit From Partnering With A Local Bank

by Taylor Marcucci @ USB

What’s your biggest concern as a business owner? If it’s related to managing your finances, then rest assured you’re not alone. The Allstate/USA Today Small Business Barometer, a survey issued to small business owners across the country, found that almost 50% of small business owners have sacrificed their own salary for the good of their business in recent months. As a business owner, you’re an ex...

The post Shop Local, Bank Local: How Small Business Owners Benefit From Partnering With A Local Bank appeared first on USB.

BBVA Compass Bank Checking, Savings, CD Account Promotions

by Tony Phan @ MoneysMyLife

Find the latest BBVA Compass bank promotions, bonuses and offers here for Checking and Savings accounts. Typical bonus amounts are $25, $50, $100, $125, $250, etc. Sometimes there will also gift bonuses, such as tablets and other electronics. BBVA Compass was established in 1964 and is headquartered in Birmingham, Alabama. They have over 650 branches […]

The Top 10 Best Life Insurance Companies in the U.S. in 2018

by Jeff Rose @ Good Financial Cents

Sorting through life insurance policies can be frustrating and time-consuming. We've done the research for you and come up with a list of the top 10 best life insurance companies - so you can get back to enjoying life knowing your loved ones will be taken care of.

The post The Top 10 Best Life Insurance Companies in the U.S. in 2018 appeared first on Good Financial Cents.

What’s on TV tonight? Shows to watch on Wednesday 14 February from Generation Gifted to Damned

by jgood @ The Sun

WHAT can’t you miss on TV tonight? Our guide to the must-see shows… Generation Gifted, 9pm, BBC Two This fascinating – and often emotional – social experiment follows six Year 9 secondary-school children who have been identified as gifted in at least one subject, but are living in poverty. Starting with three girls, it will […]

Waiver of Premium Rider

by Paul Moyer @ Cash Money Life | Personal Finance, Investing, & Career

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Waiver of Premium Rider.

Life insurance can provide peace of mind in knowing that loved ones and survivors will have the funds that they need in case of the unexpected. But, not all life insurance policies are exactly alike, so in many cases, adding various riders can help to better “customize” the coverage to fit specific anticipated needs. A ... Read More about Waiver of Premium Rider

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The Best Whole Life Insurance Company

by Philip Palermo @ Reviews.com

Newtown Savings Bank $100 Checking Bonus [CT Residents]

by Tony Phan @ MoneysMyLife

Find updated Newtown Savings Bank promotions and bonuses at this page. Typical bonuses have been for $100, $150 and $200. Established in 1855 and headquartered in Newtown, Connecticut, Newtown Savings Bank has nearly 20 locations throughout the state. If you’re not a CT resident, head on over to our Bank Bonuses page for more suitable […]

Bloke claiming to be a time-traveller from 2030 ‘PASSES lie detector test’…so here’s what he predicts for the next 10 years

by jcox @ The Sun

A MAN who claims he’s from the year 2030 reportedly passed a lie detector test – and made a series of startling predictions for humanity. The self-styled ‘time-traveller’, who calls himself Noah, begged to stay anonymous claiming he could be assassinated for revealing what the future holds. Among his claims are that Donald Trump gets […]

Grand National 2018 weights revealed with Brian Ellison’s Definitly Red handed top-weight

by hfuller @ The Sun

BRIAN ELLISON’s Definitly Red tops the weights for the Randox Health Grand National on Saturday, April 14. Ellison’s chaser was an impressive winner of the Cotswold Chase and has the Cheltenham Gold Cup as his next target. If he were to then have another crack at the National, he would have to shoulder 11st 10lb. […]

eir extends 12-month discount offers deadline

by @ bonkers.ie blog

eir has extended the deadline for introductory 12 month discounts on certain bundles, meaning you can make significant savings across dual, triple and quad play deals if you snap them up in time! Let’s take a look at the deals in question.

Dualplay: eir Superfast broadband, Unlimited Mobile & UK Calls

For customers looking for a great broadband and home phone package, this could be the perfect fit.

This competitive dualplay deal is now available to new customers for as little as €40 per month for the first 12 months, rising to €76 per month thereafter.

This shows a total saving of €462 for the first year of your contract.

Tripleplay with TV: eir Vision TV Essential, Broadband, Unlimited Mobile & UK Calls

If you’re in the market for a great new tripleplay deal, you can’t really go wrong with introductory rates like these.

New customers signing up to this tripleplay bundle can expect to pay €45 per month for the first 12 months, rising to €91 per month thereafter.

This makes for a saving of €522 in the first year of your 18 month contract. 

Looking for mobile too?

The value doesn’t end there, however, as customers looking for a bundle that includes mobile in the offering are also looked after.

Customers looking for tripleplay bundles that include mobile rather than TV or indeed quadplay bundles that include all four elements (broadband, home phone, TV and mobile) can also expect 12 month price discounts.

FREE access to eir Sport

Don't forget that customers who sign up to any eir deal also get free access to eir Sport - eir's premium seven channel sports package! 

Is it time to sign up with a new provider?

In the last few months of 2017, we saw all four of Ireland’s biggest broadband providers announce unwelcome price increases but it’s great to see eir compensating by offering such competitive deals to new customers. 

But remember these deals won't last! These discounts will only be available to those who sign up to eir before the 14th of February, 2018. 

If you’re thinking of switching providers to find a more competitive deal, make sure to compare all deals across all providers using our price comparison calculator to ensure that you’re getting the very best value for money.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Is it worth going the extra mile to save money on petrol?

by Andy Webb @ Be Clever With Your Cash

Anyone who drives will have noticed the gradual creeping up of petrol prices. Prices at the pumps are actually at their highest since November 2014, with the average price last week 122.4p per litre, going as high as 150p per litre in some parts of the country. So it goes without saying that saving money on […]

The post Is it worth going the extra mile to save money on petrol? appeared first on Be Clever With Your Cash.

Electric Ireland’s price increase takes effect

by @ bonkers.ie blog

Electric Ireland received praise from customers and commentators when it announced in October that it would freeze its price until after winter.

The announcement came at a time when other suppliers were hiking prices with little notice and hitting customers with bigger bills at one of the most expensive times of the year.

Well, all good things must come to an end and Electric Ireland’s price freeze is no exception.

From tomorrow, February 1st, over 1.1 million of the supplier’s customers will be paying more for each until of electricity used.

Bills to increase by €35

Electric Ireland’s price increase will add about €35 to average annual bills.

Customers with average consumption will pay about €1,006 for electricity over the next 12 months, as opposed to the €971 they paid over the past year.

The increase is being blamed on increased wholesale energy costs and is generally in line with the increases introduced by other suppliers.

On November 1st, Bord Gáis Energy increased average annual gas and electricity prices by €25 and €57, and SSE Airtricity increased electricity prices by €47 a year.

Then, on December 1st, Energia increased electricity prices by €31, Flogas increased gas prices by €20, Pinergy increased electricity prices by €41 and PrePayPower increased electricity prices by €34.

Electric Ireland’s plan to reward loyalty

Despite the price increase, Electric Ireland has taken measures over the last year to offer long-term savings to its customers.

Last summer, the supplier began adding automatic discounts of between 4% and 8.5% to existing customers’ bills.

The supplier has an estimated 1.13 million electricity customers and holds a market share of nearly 55%, according to the CRU’s Q3 2017 Markets Retail Report.

With so many customers to keep happy, it’s not surprising that the supplier is doing all it can to discourage switching.

How to offset rising energy prices

Ireland’s energy customers haven’t had much to smile about over the last few months.

Seven suppliers have increased prices, the PSO Levy has gone up by 30% and, to make it all even tougher to swallow, in November we learned that Ireland has the fourth highest electricity prices in the EU.

But now for the good news...it’s ridiculously easy to offset the increases.

There are 10 energy suppliers to choose from and most of them are currently offering massive discounts and cashback to new customers who switch.

In fact, there’s an average of €380 to be saved by switching at the moment - more than enough to cancel out your price increase and the PSO Levy hike and leave you with some leftover savings for yourself.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Brexit is the great project of our age and does not mean Britain being insular — it means being more GLOBAL

by rbayne @ The Sun

THE other day a woman pitched up in my surgery in a state of indignation. It was a conversation I have often had since the referendum on June 23, 2016. No one was trying to understand her feelings about Brexit. She felt so downcast, she said, that she was thinking of leaving the country — […]

Best accounts revealed as banks are ordered to make it easier for customers

Best accounts revealed as banks are ordered to make it easier for customers


The Sun

BANKS have been ordered to make it a lot easier for customers and comparison websites to compare current accounts by the financial watchdog. The new rules will make it easier to find out if youR…

3 Ways to Better Engage Your Millennial Employees

by Taylor Marcucci @ USB

Millennials, or the generation born between the early 1980s and mid-1990s, have been labelled “the job-hopping generation” by some researchers. A recent study from Gallup reported that millennials in the workplace are the most likely generation to switch jobs compared to their older co-workers. The reason for this, according to the same Gallup study, is that the majority of millennials are not emo...

The post 3 Ways to Better Engage Your Millennial Employees appeared first on USB.

HTB Endows Scholarship at Davidson County Community College

by Scott Fahy @ HomeTrust Banking

This scholarship fund will support students who show academic leadership and/or extracurricular excellence, with awards based strictly on merit. When asked about the scholarship, HomeTrust Market President, Bob Callicutt, said “We look forward to seeing the good this scholarship does in our community. Enabling a gifted student to get an education and give back helps […]

The post HTB Endows Scholarship at Davidson County Community College appeared first on HomeTrust Banking.

How Much Does a Post Office Box Cost?

by Jim Wang @ Wallet Hacks

When I started my business years ago, I thought the responsible business-y thing to do was to get a Post Office box. Why? I honestly don't know. Like business cards, it's just one of those things (at least I use the PO Box!). Since then, I've found that a Post Office Box is a great […]

The post How Much Does a Post Office Box Cost? appeared first on Wallet Hacks.

[Adulting A104] Listen, Really Listen: Grow Your Emotional Intelligence to Make Better Decisions

[Adulting A104] Listen, Really Listen: Grow Your Emotional Intelligence to Make Better Decisions

by Harlan and Miranda @ Adulting

Forget IQ. What you really want is better emotional intelligence. More info.

The post [Adulting A104] Listen, Really Listen: Grow Your Emotional Intelligence to Make Better Decisions appeared first on Adulting.

Recall alert: Fujitsu battery packs pose fire risk

Recall alert: Fujitsu battery packs pose fire risk

by Craig Johnson @ clark.com

A brand of battery packs available throughout North America over the past few years is being recalled because they can overheat and cause a fire, its manufacturer said.

Lithium-ion battery packs, sold under the Fujitsu brand but supplied

Accelerated Death Benefit Rider

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Accelerated Death Benefit Rider.

Having life insurance means that those you love and care about may not have to suffer financial hardship at an already difficult time in their lives. That is because the proceeds from a life insurance policy can be used for a wide variety of different needs, such as the payoff of debt, the continuation of ... Read More about Accelerated Death Benefit Rider

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All content copyright Cash Money Life | Personal Finance, Investing, & Career; if you are reading this on another website it has been illegally reproduced in violation of copyright laws.

Thinking of the Lowe’s Business Credit Card? Here Are Some Alternatives

by Brayden McCarthy @ Fundera Ledger

Are you considering filling out the Lowe’s business credit card application but want to get more information before making the big […]

The post Thinking of the Lowe’s Business Credit Card? Here Are Some Alternatives appeared first on Fundera Ledger.

Commuter X-rayed after going through airport-style security scanner

by Sun Internet 2 @ The Sun

A COMMUTER is X-rayed after clambering on to a security scanner’s conveyor belt. The woman refused to be parted from her handbag and jumped on after it at a station. Shocked staff did not stop her as she clambered off and went to get her train at Dongguan, China. The woman had happily put her […]

I spent the night flirting with an old pal at a party — and now I want to leave my boyfriend

by Andrew Whiteford @ The Sun

DEAR DEIDRE: I SPENT a night flirting with an old friend and it’s made me question my relationship with my boyfriend. I’m 22 and my boyfriend is 24. We’ve been together for three years but it’s not been great recently and I’ve gone off sex with him. I went to a party alone last week when […]

How Apple Pay Works – A Guide To Apple Pay for Connecticut Businesses

by Taylor Marcucci @ USB

The digital revolution has touched nearly every aspect of business management, and that includes payment processing. Alternative payment options, including some that we at Union Savings Bank refer to as Digital Wallets, are becoming more and more popular among consumers. One of the most well-known Digital Wallets is Apple Pay, which allows consumers to connect their bank debit or credit card to an...

The post How Apple Pay Works – A Guide To Apple Pay for Connecticut Businesses appeared first on USB.

Best student bank accounts 2018

Best student bank accounts 2018


Save the Student

What is the best student bank account for 2018? We review and compare the major banks who offer student accounts plus tips on choosing the best one for you.

I’m scared that my extreme jealousy is going to push away my new lover

by Andrew Whiteford @ The Sun

DEAR DEIDRE: I AM lucky to have become very close to a woman after the death of my wife three years ago, but I worry my jealousy will ruin everything. I’m 42. This woman is 40. I’m jealous when she spends time away with friends and on other interests. I am from a big family but […]

The best bank switching, cashback and interest offers

by Andy Webb @ Be Clever With Your Cash

One of the quickest ways to make some extra cash is to take advantage of the very competitive current account market and get a switching bonus, cashback or high interest on your savings. If you’ve been with the same bank since your first job or University, you’re probably missing out. Since seven-day switching was introduced in […]

The post The best bank switching, cashback and interest offers appeared first on Be Clever With Your Cash.

New report names best wireless network for video streaming

New report names best wireless network for video streaming

by Mike Timmermann @ clark.com

Which of the major wireless providers gives you the best mobile video experience? A new study ranks them from best to worst!

How to Find a Cause You Believe In

by Miranda Marquit @ Adulting

Don't get hung up on changing the world immediately. Start local and watch your efforts bear fruit sooner. More info.

The post How to Find a Cause You Believe In appeared first on Adulting.

Burly lads get down and dirty across the UK in annual Shrovetide footie scraps

by Danny De Vaal @ The Sun

PLAYERS took to the streets to take part in the annual Royal Shrovetide football event in Derbyshire today – where the goals are miles apart. Hundreds of players are split into two teams – the Up’ards and the Down’ards depending on which end of the town they’re from. The teams battle over the course of […]

George Groves calls Chris Eubank Jr ‘ignorant’ in huge swipe at camp ahead of massive British battle

by achapman @ The Sun

GEORGE GROVES has blasted bitter rival Chris Eubank Jnr and claimed he is “ignorant”. Groves also took a swipe at Eubank’s working set-up with his famous father, saying: “It’s the blind leading the blind.” The two Brits square up for their world super-middleweight title in Manchester in the World Boxing Series semi-final on Saturday. And […]

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