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Meet the 6 Amazing Winners of Our Spring 2018 Student Loan Hero Scholarship

by Rebecca Safier @ Student Loan Hero

Student Loan Hero is excited to announce the six winners of our spring 2018 scholarship. After reviewing hundreds of applications, our financial experts selected six amazing students who impressed us with their drive and commitment to their education. Not only are these students determined to reach their goals, but they also demonstrated incredible resilience in […]

The post Meet the 6 Amazing Winners of Our Spring 2018 Student Loan Hero Scholarship appeared first on Student Loan Hero.

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 […]

4 QuickBooks Online Tips to Simplify Tax Season for Business Owners

by Stacy Kildal @ Fundera Ledger

QuickBooks Online contains lots of little ways to make tax season simpler for business owners. And in this crazy-busy time […]

The post 4 QuickBooks Online Tips to Simplify Tax Season for Business Owners appeared first on Fundera Ledger.

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 […]

Who Can be LLC Members?

by Matt Horwitz @ LLC University

When forming an LLC, who can be an LLC Member. An LLC Member is an owner of an LLC. This Quick List explains which type of people and which types of companies can be LLC Members. US citizens, US residents, Non-US citizens, Non-US residents, US immigrants, US foreigners, Other LLCs, Other Corporations (C-Corporations and S-Corporations), Other legal entities (besides LLCs and Corporations), Trusts, Pension Plans, and Individual Retirement Accounts (IRAs) can be LLC Members.

The article Who Can be LLC Members? first appeared on LLC University.

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.

PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts

by Lindsay VanSomeren @ MagnifyMoney

PenFed Credit Union—also known as Pentagon Federal Credit Union—got its start in 1935. Since then, it has grown to become one of the largest credit unions in the country, with over 1.6 million members and $24 billion in assets. While it does offer in-person branches, anyone can also access their accounts online. Like most credit … Continue reading PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts

The post PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts appeared first on MagnifyMoney.

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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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.

Best Free Checking Accounts in Canada

Best Free Checking Accounts in Canada


Personal Finance Made Easy - Banking, Loans, Credit Card Advice | echeck.org

We cover some of the free checking accounts in Canada. They don't give much away for free in the North by the looks of these banks.

What are the Requirements for Forming an LLC in California?

by Matt Horwitz @ LLC University

This article outlines the requirements to forming an LLC in California. You can start a California LLC by filing a form called the "Articles of Organization" (Form LLC-1). This form can only be filed by mail as the California Secretary of State currently does not have an online filing or the ability to file by fax. California is one of the largest states in the US and therefore is also one of the states where the most LLCs are formed. In addition to its sheer size and volume of filings, the California Secretary of State is just slow. It takes 4 to 5 weeks before you receive back a stamped and approved copy of your California Articles of Organization,

The article What are the Requirements for Forming an LLC in California? first appeared on LLC University.

How To Invest in Real Estate (11 Different Ways!)

by Jeff Rose @ Good Financial Cents

Most investment portfolios and retirement plans are invested in stocks and fixed-income investments. But real estate is an excellent portfolio diversification because it’s a “hard asset”. As well, the long-term investment performance of real estate is hard to argue with. Adding some real estate to your portfolio can improve your investment returns over the long... Continue Reading-->

The post How To Invest in Real Estate (11 Different Ways!) appeared first on Good Financial Cents.

Everyday Banking: Checking & Savings | BECU

Everyday Banking: Checking & Savings | BECU


BECU

Great rates + no hidden fees = a better way to bank. Our personal checking and savings accounts offer benefits most traditional banks just can’t. Learn more here.

How to Plan Your Dream Wedding Without Going Into Debt

How to Plan Your Dream Wedding Without Going Into Debt

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.

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.

What Is a Savings Account — and Should You Open One?

by Andrew Pentis @ Student Loan Hero

Maybe your piggy bank is overflowing, or the space beneath your mattress is filling up. Wherever you’ve been putting your money, you’re now interested in storing it more safely. But if you’re new to saving with a brick-and-mortar or online bank, you could be stuck on a basic question: What is a savings account? What […]

The post What Is a Savings Account — and Should You Open One? appeared first on Student Loan Hero.

How does forming an LLC protect me?

by Matt Horwitz @ LLC University

An LLC helps protect your personal liability, meaning, it helps protect your personal assets (bank accounts, home, vehicles, and any valuables) from your business in the event your business gets sued. Think of the LLC as creating a legal "barrier of protection" between your business and your personal life.

The article How does forming an LLC protect me? first appeared on LLC University.

PNC

PNC


PNC

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

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.

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.

Best Bank Account Bonuses For February 2018 | Bankrate.com

Best Bank Account Bonuses For February 2018 | Bankrate.com


Bankrate

Walk away with sacks of cash just for opening a checking or savings account.

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.

[Adulting B046] Choose a Health Plan That Won’t Make You Sick with Jennifer Jackson, ADLT 101

[Adulting B046] Choose a Health Plan That Won’t Make You Sick with Jennifer Jackson, ADLT 101

by Harlan and Miranda @ Adulting

Choosing a health plan sucks. But it has to be done. Here's how to do it with as little pain as possible. More info.

The post [Adulting B046] Choose a Health Plan That Won’t Make You Sick with Jennifer Jackson, ADLT 101 appeared first on Adulting.

Savings & Money Market Accounts - Personal Banking

Savings & Money Market Accounts - Personal Banking


Gate City Bank

Gate City Bank offers competitive interest rates for Money Market and Savings, helping you reach your goals faster. See the latest online money market and savings rates and open your account online today.

Community Bank Announces New Headquarters

by Drew Hardin @ Community Bank

Community Bank is pleased to announce its plans to construct a new headquarters located in Flowood, Mississippi.  “We are proud to be a part of Rankin County, having been a member of this community for over twenty years. Community Bank is delighted to further our commitment to the area by bringing this new state of […]

The post Community Bank Announces New Headquarters appeared first on Community Bank.

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.

The Best Internet Service Providers

by Amanda Cole @ Reviews.com

10 Bank Promotions That Pay You To Open An Account

10 Bank Promotions That Pay You To Open An Account


Investopedia

Find out which banks are running cash promotions this summer.

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.

Looking for Credit Union Student Loans? Here’s How to Find and Apply for Them

by Christy Rakoczy @ Student Loan Hero

Do you need private student loans to cover the cost of your education? Though many prospective borrowers head straight to a big bank or online lender for a student loan, these aren’t your only options. Consider student loans from credit unions, too. Like banks and online lenders, credit unions are financial institutions that lend money. […]

The post Looking for Credit Union Student Loans? Here’s How to Find and Apply for Them appeared first on Student Loan Hero.

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.

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.

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.

Are You Prepared For Christmas?

by Drew Hardin @ Community Bank

The Christmas season is upon us–gift buying, giving, holiday gatherings, and family events will very much consume the month of December for many of us. With the holiday season comes much hustle and bustle, and if you haven’t planned well, this can sometimes become more chaotic than joyful. Here are a few tips to keep […]

The post Are You Prepared For Christmas? appeared first on Community Bank.

The Best Checking Accounts of 2018 | Reviews.com

The Best Checking Accounts of 2018 | Reviews.com


Reviews.com

The best checking account lets you spend money on bills and transactions rather than extra costs like monthly maintenance or ATM surcharges.

Watch Out for This New Tax Scam

by KaToya Fleming @ MagnifyMoney

Tax season can be the most profitable time of year for savvy thieves. And just a week into filing season, the IRS has uncovered a new trick cybercriminals are using to scam you out of your money. The IRS warns tax preparers and consumers about a new scam in which criminals are using consumers’ account … Continue reading Watch Out for This New Tax Scam

The post Watch Out for This New Tax Scam appeared first on MagnifyMoney.

Fidelity Go Review: Robo-Advisor With Low Management Fees

by Tony Phan @ MoneysMyLife

Brought to you by the well-known firm, Fidelity Investments, Fidelity Go is a robo-advisor that offers a clear pricing structure that is somewhat different to its rivals, giving you an all-inclusive fee that impressively covers all investment expenses too.  This is one of its most significant benefits as it gives you access to all of […]

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.

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.

New Office Expansion For Our Hong Kong Corporate Services

by Michael Michelini @ Global From Asia

Happy Chinese New Year everyone! It is going to be a great year of the dog, and with the chicken year past us, we are entering a new phase for the corporate services division here at Global From Asia. With our office expansion, we are excited to announce our own permanent address!

The post New Office Expansion For Our Hong Kong Corporate Services appeared first on Global From Asia.

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.

The 10 Best Checking and Savings Accounts for Your Money | Student Loan Hero

The 10 Best Checking and Savings Accounts for Your Money | Student Loan Hero


Student Loan Hero

Are you looking to open a bank account? Here is your guide to some of the best checking and savings accounts available today.

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.

What you need to know about opening a joint bank account

What you need to know about opening a joint bank account


finder US

Need to open a joint bank account but don't know where to start? Compare the best savings accounts for couples that you can apply for online.

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.

The Best Wedding Insurance

by Philip Palermo @ Reviews.com

16 Best Free Business Checking Accounts in 2018 - LendGenius

16 Best Free Business Checking Accounts in 2018 - LendGenius


LendGenius

Many of your business activities are affected by whether or not you have a free business checking account. How much money you’re able to spend, how easy it is to withdraw cash when you need it, and how much in fees you have to pay to do any of this is all determined by the …

The Rise of Bitcoin, is This Marketplace Adding it and Pushing Down Paypal?

by Global From Asia Team @ Global From Asia

Dear Global Business Enthusiast, Michael Michelini (@michelini) here. You’re getting this email because you requested my periodic thoughts on international business from Hong Kong. [Edit: Actually, it’s possible that you’ve never gotten an email from me. Somebody might have just given you the link to this page, which is an online archive of an email that I sent to folks ... Read More

The post The Rise of Bitcoin, is This Marketplace Adding it and Pushing Down Paypal? appeared first on Global From Asia.

The New Parent’s Guide to Life Insurance

by Matt Becker @ Mom and Dad Money

Life insurance is the most cost-effective way to make sure that your children will always have the financial resources they need, no matter what. This guide walks you through the entire process of figuring out how much life insurance you need, what type to get, and how to get it without spending any more than you have to.

The post The New Parent’s Guide to Life Insurance appeared first on Mom and Dad Money.

Estate Planning with Life Insurance

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

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Estate Planning with Life Insurance.

Although most people don’t like to think about what might happen to their loved ones after they’re gone, the reality is that if you aren’t properly prepared for certain situations, a potentially bad scenario could become much worse for the people that you care about most. In fact, for most people to achieve lasting peace ... Read More about Estate Planning with Life Insurance

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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.

How to Open a US Bank Account Overseas as a Non USA Citizen

How to Open a US Bank Account Overseas as a Non USA Citizen


Global From Asia

If you’re a frequent traveler to the US, someone who plans to relocate in the US, or maybe a student who plans to take a degree in the states, opening US bank account is probably one of your things to do. It can get a bit complicated for someone who doesn't reside in the US to do but fret not, opening a US bank account as a foreigner is still possible with preparation, proper documentation and a little bit of patience :)

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.

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.

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.

Amazon FBA Trends in 2018 with Danny MCmillan and Will Tjernlund – GFA214

Amazon FBA Trends in 2018 with Danny MCmillan and Will Tjernlund – GFA214

by Michael Michelini @ Global From Asia

Let's discover all about Amazon FBA trends! We are in for a treat today - two amazing Amazon experts, Danny McMillan and Will Tjernlund come on the show to share insights and trends they are seeing in Amazon and e-commerce in this new year of 2018. For full show notes, check out GlobalFromAsia.com/episode214

The post Amazon FBA Trends in 2018 with Danny MCmillan and Will Tjernlund – GFA214 appeared first on Global From Asia.

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 […]

Back-to-School Savings Just Makes ‘Cents’

by Drew Hardin @ Community Bank

As of this week, school is officially back. The excitement of a new year, new friends, and new sports seasons, often times comes with a heavy price tag. Back-to-school and back-to-college spending will reach $83.6 billion in 2017, a 10% increase over last year. The average family plans to spend an average of $688 on […]

The post Back-to-School Savings Just Makes ‘Cents’ appeared first on Community Bank.

How to Open a China Bank Account | Expat Guide for 2018

by Josh Summers @ Travel China Cheaper

How does one open a bank account in China? Whether you’re a foreigner who is on a travel visa or somebody who is living in China on a residence permit, opening a bank account in China has many benefits. Here’s a quick guide to help you open a China bank account. Thankfully, opening a bank […]

The post How to Open a China Bank Account | Expat Guide for 2018 appeared first on Travel China Cheaper.

The Best Whole Life Insurance Company

by Philip Palermo @ Reviews.com

Best Options for Your Child’s First Bank Account - MagnifyMoney

Best Options for Your Child’s First Bank Account - MagnifyMoney


MagnifyMoney

Helping your child build a healthy relationship with money can start with opening his or her very first bank account. We explain how to pick one.

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 […]

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.

Best Banks in 2018 - The Simple Dollar

Best Banks in 2018 - The Simple Dollar


The Simple Dollar

If you’re searching for the best bank, you have a dizzying number of choices. The growth of online and mobile banking means there are more ways than ever t

The Pros and Cons of Using a Roth IRA for College Savings

by Matt Becker @ Mom and Dad Money

While Roth IRAs are technically retirement accounts, they are incredibly flexible and they have a few characteristics that make them particularly useful for college savings, especially if you're not 100% sure you want to be saving money specifically for education. But there are some downsides too, and in this post we'll explore the pros and cons.

The post The Pros and Cons of Using a Roth IRA for College Savings appeared first on Mom and Dad Money.

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! 

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.

Get Off Your Assets and Put Your Money to Work

by Miranda Marquit @ Adulting

Your savings account is a freeloader. Put your money to work by investing now. More info.

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

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.

A Special Salute to Our Veterans

by Matt Williams @ Community Bank

Sacrifice? Honor? Service? These characteristics instantly trigger in our minds the American Heroes that make up our Military. Our military Veterans and those currently serving sacrifice a great deal for our country, many paying the ultimate sacrifice with their very lives. At Community Bank, we deeply appreciate the service of these brave American heroes. To […]

The post A Special Salute to Our Veterans appeared first on Community Bank.

Open Checking Account - Community Bank

Open Checking Account - Community Bank


Community Bank

Before setup begins, we need to know your location so we can designate a home branch for you. Please select from one of these four regions:

Attention All Summer Travelers!

by Drew Hardin @ Community Bank

Traveling this summer? We want you to share your travels with us! Maybe it’s to the beach, the mountains, a trip overseas or maybe just to grandma’s house that is on the agenda. Wherever you may be heading, be sure to bring your Community Bank debit card along for your chance to win a $1,000 […]

The post Attention All Summer Travelers! appeared first on Community Bank.

The Best Extended Car Warranty

by Philip Palermo @ Reviews.com

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.

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. […]

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 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 […]

Trump Budget Proposal Takes Aim at IDR, PSLF, and Billions in Grants

by Miranda Marquit @ Student Loan Hero

With the latest Congressional budget battle just ended, President Donald Trump just submitted his budget proposal for fiscal year 2019. The $4.4 trillion budget boosts spending on the military and infrastructure while cutting funding a number of programs, including Medicare. Among the Trump budget cuts are those to education spending. The budget calls for huge […]

The post Trump Budget Proposal Takes Aim at IDR, PSLF, and Billions in Grants appeared first on Student Loan Hero.

The Best Savings Accounts of 2018 | MyFinance

The Best Savings Accounts of 2018 | MyFinance


MyFinance.com | Personal Finance Doesn't Have to be Complicated

The best savings accounts pay up to 10x more than the average. But how do they compare to each other? Compare rates, banks, monthly minimums and more...

The Best Spin Bikes

by Philip Palermo @ Reviews.com

The Best Exercise Bikes

by Philip Palermo @ Reviews.com

Best Savings Account for 2018 - The Simple Dollar

Best Savings Account for 2018 - The Simple Dollar


The Simple Dollar

Looking for places to grow your money without much risk is difficult these days, but finding the best savings account might be a good place to start. Altho

How to Apply for a Business Credit Card Online

by Brayden McCarthy @ Fundera Ledger

It’s easy to think that applying for a business credit card online is super simple. After all, with all of […]

The post How to Apply for a Business Credit Card Online appeared first on Fundera Ledger.

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.

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.

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.

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.

How To Protect Your Identity

by Daniel Luter @ Community Bank

As you gear up for summer – planning your vacation, kid’s activities, or even the back yard barbeque, taking steps to prevent fraud before it happens is one of best things you can do to make for a relaxing summer. 8 Fraud prevention tips: Routine review of your account activity is important. Review your monthly […]

The post How To Protect Your Identity appeared first on Community Bank.

The Story of Founder of Valuelink & CEO of AMZ Tracker with Jerry Gan

by Global From Asia Team @ Global From Asia

Jerry Gan, founder and CEO of Valuelink, went to Peking University and studied English literature back in 2002, 2004. Jerry then found a part-time job as being an interpreter for some foreign investors who were trying to invest in China. He started the business about 11 years ago in Albuquerque of New Mexico and moved the business back to China ... Read More

The post The Story of Founder of Valuelink & CEO of AMZ Tracker with Jerry Gan appeared first on Global From Asia.

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

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


Deposit Accounts

These are the days when deposit accounts can be very appealing. When stock markets are tanking, it’s nice to know that nothing is dropping in your savings...

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.

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.

Add to Your Cash Stash With These Smart Financial Moves for 2018

by Michelle Jackson @ Adulting

Last year's finances were rough? No problem. Here's how to make smart money moves. More info.

The post Add to Your Cash Stash With These Smart Financial Moves for 2018 appeared first on Adulting.

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.

China Business Guide | Gifts for China Business Partners

by Andrea Adriano @ Travel China Cheaper

What are appropriate gifts for China business partner? This is an especially important question during Chinese New Year – also known as “Spring Festival” – a time similar to Christmas when Chinese people all over the world exchange gifts with friends, family, and business contacts. Being able to understand the culture of giving gifts in China […]

The post China Business Guide | Gifts for China Business Partners appeared first on Travel China Cheaper.

How to Find the Best Health Savings Account

by Matt Becker @ Mom and Dad Money

Health savings accounts are a fantastic tool. They are actually the ONLY type of account that lets you save money completely tax-free. But finding a good one can be difficult. There are a lot of variables to consider and it can quickly feel overwhelming. So here are the steps I took to find the best health savings account for my personal needs.

The post How to Find the Best Health Savings Account appeared first on Mom and Dad Money.

How to Find the Best Health Savings Account

How to Find the Best Health Savings Account


Mom and Dad Money

Finding a health savings account can be a little overwhelming. Here are the steps I took to find the best health savings account for my personal needs.

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.

Best VPN for China 2018 (with Discount Codes)

by Josh Summers @ Travel China Cheaper

What are the best VPNs for China in 2018? That’s a loaded question that often gets met with simple answers from people who don’t even live in China. I’ve been living here for 10 years and I’ve worked with 20+ VPNs. While there are plenty of options to choose from, I’m aiming to let you know […]

The post Best VPN for China 2018 (with Discount Codes) appeared first on Travel China Cheaper.

A Lifelong Commitment to Community Bank

by Drew Hardin @ Community Bank

Community Bank hosted our Annual Stockholder’s event in March where we reflected on 2016 and looked forward to the exciting things to come in 2017 and beyond. Each year at our annual meeting, CB’s senior management takes the opportunity to recognize our staff-owners for their outstanding achievements. This year was no different, with one of […]

The post A Lifelong Commitment to Community Bank appeared first on Community Bank.

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.

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.

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.

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.

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.

Utilizing Talent in His Team to Build a Logistics Powerhouse with Paul Gao, Founder of Globalebuy Supply Chain Company

by Global From Asia Team @ Global From Asia

Since 1991, Paul has done an outdoor advertising industry for more than 10 years in Shenzhen. In 2003, he accessed to cross-border e-commerce eBay accidentally. Paul started a business for a couple of reasons: to live and eat better, to win honor for his parents, provide his wife and children and to be able to do business with like-minded people.

The post Utilizing Talent in His Team to Build a Logistics Powerhouse with Paul Gao, Founder of Globalebuy Supply Chain Company appeared first on Global From Asia.

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 […]

The Summit Account | Aspiration

The Summit Account | Aspiration


Aspiration

With Summit you can earn more with a high interest rate, gain peace of mind with no monthly service fees and get free access to any ATM in the world.

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.

The Best Foundation

by Amanda Cole @ Reviews.com

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.

Is an IRA right for you?

by Drew Hardin @ Community Bank

Our very own Tina Gadd explains what an IRA is and how it might be the right option for you this tax season.

The post Is an IRA right for you? appeared first on Community Bank.

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 […]

7 Under-Appreciated Tourist Stops in Shanghai, China

by Josh Summers @ Travel China Cheaper

When you travel to Shanghai, don’t be surprised when you get inundated with recommendations from guidebooks and travelers telling you all about The Bund, The Pearl Tower and The Yu Gardens. Don’t get me wrong…these are all worthy places to see in Shanghai. But trust me when I say that there is so much more!  Feel […]

The post 7 Under-Appreciated Tourist Stops in Shanghai, China appeared first on Travel China Cheaper.

Bitcoin and blockchain conferences around the globe in 2018

by Karina Salce @ finder US

As the bitcoin and blockchain scene continues to explode, conferences and events with bright minds are popping up all over the world. finder has the complete list of 100+ crypto conferences across the globe in 2018; find the next event near you with our calendar.

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.

How to Open a China Bank Account as a Foreigner

How to Open a China Bank Account as a Foreigner


Travel China Cheaper

Opening a China Bank Account isn't terribly difficult as long as you follow these three simple steps. Includes tips and special instructions you won't find anywhere

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.

Offshore Banking in 2017 – Where, How & Why | Sovereign Man

Offshore Banking in 2017 – Where, How & Why | Sovereign Man


Sovereign Man

Learn about Four Excellent Offshore Banking Options that are available to foreigners (Even Americans) & much more in this in-depth guide.

Managing a 10 Million USD a month Amazon FBA Business in China with Patrick Zhang – GFA213

Managing a 10 Million USD a month Amazon FBA Business in China with Patrick Zhang – GFA213

by Michael Michelini @ Global From Asia

Welcome to episode 213 of the Global From Asia podcast! We have quite a treat on the show as many listeners have asked to hear more about Chinese Amazon FBA sellers and Amazon FBA business in China and this one will definitely come through with that request. For full show notes, check out GlobalFromAsia.com/episode213.

The post Managing a 10 Million USD a month Amazon FBA Business in China with Patrick Zhang – GFA213 appeared first on Global From Asia.

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.

How to get LLC papers?

by Matt Horwitz @ LLC University

How to get LLC papers? You need to get the proper LLC papers and file those with the Secretary of State where you want to form an LLC. This is the first step in registering your LLC. So how do you get the LLC papers? First, we need to know the correct LLC filing form […]

The article How to get LLC papers? first appeared on LLC University.

A Welcome to Laurel, America’s New Favorite Home Town

by Daniel Luter @ Community Bank

Laurel, Mississippi has been center stage over the last few months with the new hit HGTV show “Home Town” making waves. The show features Ben and Erin Napier working to restore homes in Historic Downtown Laurel. It has been a delight for the Community Bank family to watch this show come to fruition and seeing […]

The post A Welcome to Laurel, America’s New Favorite Home Town appeared first on Community Bank.

How to Start a New Project Without Stressing Out

by John Schneider @ Adulting

New project? No worries. More info.

The post How to Start a New Project Without Stressing Out appeared first on Adulting.

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.

Flying a Drone in China | 2018 Regulations + Travel Tips

by Josh Summers @ Travel China Cheaper

Over the past two years, I’ve had a chance to travel all across China, fly my drone and publish awesome drone videos. I’ve learned a lot about what I can and can’t do with my drone in China and (not surprisingly) I receive a lot of questions from people about drones such as: Can I […]

The post Flying a Drone in China | 2018 Regulations + Travel Tips appeared first on Travel China Cheaper.

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.

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.

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.

Articles of Organization for LLC

by Matt Horwitz @ LLC University

The Articles of Organization is the document that you'll file with the Secretary of State's office (or similar division) in the state where you are forming your LLC. Depending on the state, the LLC Articles of Organization may also be called a Certificate of Organization or Certificate of Formation… but they all do the same thing: they register your LLC with the state.

The article Articles of Organization for LLC first appeared on LLC University.

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.

Online Savings Account  - High Interest & No Monthly Fees | Discover

Online Savings Account - High Interest & No Monthly Fees | Discover


Discover Bank

Online Savings Accounts from Discover Bank, Member FDIC offer high yield interest rates with no monthly balance requirements and no monthly fees.

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.

How to open a student bank account in the UK - Student.com Blog

How to open a student bank account in the UK - Student.com Blog


Student.com Blog

If you’re not quite sure how to open a student bank account In the UK, here is a useful guide with everything you need to know. 

Best Bank For Small Business? These 4 Top The List

Best Bank For Small Business? These 4 Top The List


Fundera Ledger

If you’re ready to get serious about your business, you’ll want to set up a business bank account. Use this guide to find the best bank for small business.

29 Tools and Resources to Help You Make the Most of Your Money in 2018

by Matt Becker @ Mom and Dad Money

Knowing what you want to improve about your financial situation is one thing. Knowing HOW to do it is another. There's a maze of banks, investment companies, apps, websites, and everything else, and deciding between them can feel impossible. Here's a list of 29 of my favorite tools so that you can stop deliberating and start taking action.

The post 29 Tools and Resources to Help You Make the Most of Your Money in 2018 appeared first on Mom and Dad Money.

What is a Certified Financial Planner, and should you use one?

by Jeff Rose @ Good Financial Cents

In this day and age, professionals are laden with the alphabet after their names. My industry is no exception. When I started my career with my previous firm, we immediately acquired the AAMS (Accredited Asset Managment Specialist) Designation. While serving in Iraq, in my downtime I studied for the CRPC (Chartered Retirement Planning Consultant). These... Continue Reading-->

The post What is a Certified Financial Planner, and should you use one? appeared first on Good Financial Cents.

Here Are Some Helpful Tips On How to Open a Savings Account for a Baby

Here Are Some Helpful Tips On How to Open a Savings Account for a Baby


The Balance

Here are some tips on how to open a savings account for babies with suggestions on what to look for when opening an account.

Open a Personal Checking & Saving Account Today

Open a Personal Checking & Saving Account Today


SouthEast Bank

SouthEast Bank has a variety of checking & savings accounts that provide you great value. Let us help you choose an account that allows you to bank your way.

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.

Bury Your Money: Put Your Money & Investments in “Time Capsules”

by Jim Wang @ Wallet Hacks

When I started investing, I eased into it very gently. I didn't trust the stock market. I was comfortable with saving the money. I wasn't comfortable putting it in the “stock market.” My formative adult years started in 1998, the year I started college. I was going to Carnegie Mellon in Pittsburgh and studying Computer […]

The post Bury Your Money: Put Your Money & Investments in “Time Capsules” appeared first on Wallet Hacks.

How to Change (Convert) Sole Proprietorship to LLC

by Matt Horwitz @ LLC University

In order to change or convert a Sole Proprietorship into an LLC (also referred to as "incorporating a Sole Proprietorship"), you first need to form an LLC, wait for it to be approved, transfer everything over, then cancel/withdrawal your Fictitious Name/DBA.

The article How to Change (Convert) Sole Proprietorship to LLC first appeared on LLC University.

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!

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.

Can I get a Chinese visa without a return ticket or hotel reservation?

by Andrea Adriano @ Travel China Cheaper

What do you need to get a Chinese travel visa? People consistently ask me if they really need to have a round-trip tickets purchased and hotels booked before applying for a Chinese visa. If you plan to visit other countries before returning home or plan on leaving the country by land rather than by plane, […]

The post Can I get a Chinese visa without a return ticket or hotel reservation? appeared first on Travel China Cheaper.

Becoming A Super Saver

by Drew Hardin @ Community Bank

We can all agree that saving is important. Don’t we all wish we had started saving a little earlier in life? Teaching our children the importance of saving early and often is something Community Bank feels is crucial to a strong financial future. By hosting events in our communities, like our recent I’m a Super […]

The post Becoming A Super Saver appeared first on Community Bank.

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