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How to Enroll in Chase Online Bill Pay

by Anthony Nguyen @ Bank Checking Savings

Got a busy schedule and need to pay your bills on time? Chase Online Bill Pay allows you to bank on your own schedule. Save time and money by taking care of any recurring bills without the hassle of writing or check or paying for postage. Essentially, this Chase feature allows you to automatically set... Keep Reading↠

The post How to Enroll in Chase Online Bill Pay appeared first on Bank Checking Savings.

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

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

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

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

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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 Get Started with the Chase Mobile App

by Anthony Nguyen @ Bank Checking Savings

Chase Mobile is the mobile banking app for customers of JP Morgan Chase Bank, and it’s available for Android, iPhone, Windows, and Amazon Fire. The app offers a number of convenient features and can complete almost all of your personal banking tasks. Some of you guys out there may have trouble getting started with this app, so... Keep Reading↠

The post How to Get Started with the Chase Mobile App appeared first on Bank Checking Savings.

Southern Banks Boost Checking Bonuses

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Two big Southern banks -- Regions Financial and SunTrust -- have are vying for new checking account customers by offering bigger cash rewards for signing up.

Best of Banking Promotions for February 2018

by CashBonusMoney @ Cash Bonus Money

Banks are vying for your business with many financial institutions experiencing a decrease in profits. Banking promotions and bonuses are available from a wide variety of local banks and national banks. So instead of just offering perks just as no fees, free checking, or free check card when you sign up for an account, banking promotions […]

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.

Tips for Keeping Your Finances on Track when You Need to Go Back to School

by Vanessa @ Cash Cow Couple

When you put together a list of your financial goals for the future, you often realize that to get to where you want to go, you need to head back to school. Having the right education for your dream job is often a key part of becoming financially stable, yet unfortunately going back to school …

Tips for Keeping Your Finances on Track when You Need to Go Back to SchoolRead More »

The post Tips for Keeping Your Finances on Track when You Need to Go Back to School appeared first on Cash Cow Couple.

How Can Decluttering Save You Money?

by Chris Ceballos @ BrightStar Credit Union

What is the current state of your closet? Is it stuffed to the brim with clothes, shoes, suitcases, cleaning supplies, […]

How to Repair, Rebuild, and Improve Bad Credit

by Jacob Lumby @ Cash Cow Couple

When you have a limited credit history, most creditors are reluctant to extend you new lines of credit because they don’t know anything about your borrowing habits. This presents a minor challenge, but there are several straightforward solutions that can help you build credit from scratch. If you have poor credit, there are additional challenges that …

How to Repair, Rebuild, and Improve Bad CreditRead More »

The post How to Repair, Rebuild, and Improve Bad Credit appeared first on Cash Cow Couple.

Chase United TravelBank Card $150 Bonus + No Foreign Transaction Fee + No Annual Fee

by Danny Nguyen @ Bank Deal Guy

Compare this card with other travel related cards here. With the United℠ TravelBank Card, you can $150 in TravelBank cash after you spend $1,000 on purchases in the first 3 months your account is open. In addition to the bonus incentive, you will earn 2% in TravelBank cash per $1 spent on tickets purchased from United and 1.5%... Read More →

The post Chase United TravelBank Card $150 Bonus + No Foreign Transaction Fee + No Annual Fee appeared first on Bank Deal Guy.

The Ultimate Checklist for 2018 Grads Preparing for Student Loan Payments

by Andrew Pentis @ Student Loan Hero

For all the knowledge you gained in college, you might feel uneducated and unprepared about how to handle your student loan payments once you graduate. After all, that grace period after graduation when you don’t have to make student loan payments won’t last forever. With the average graduate’s monthly payment hovering around $351, you might […]

The post The Ultimate Checklist for 2018 Grads Preparing for Student Loan Payments appeared first on Student Loan Hero.

The Complete Guide to Private Student Loans for Undergrads

by Jordi Lippe-McGraw @ Student Loan Hero

You’ve gone through all of the steps to secure as many scholarships as possible for college and filled out the Free Application for Federal Student Aid (FAFSA). But you still have a gap in covering all the costs of attending school, so you need to take out private student loans. You’re not alone. In fact, […]

The post The Complete Guide to Private Student Loans for Undergrads appeared first on Student Loan Hero.

25+ Restaurant Apps That Give Free Food for Downloading

by Jim Wang @ Wallet Hacks

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

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

Award flash sale: Alaska flights from 5K, many cities

Award flash sale: Alaska flights from 5K, many cities

by Nick Reyes @ Frequent Miler

Alaska Airlines has responded to Delta’s award flash sale with a sale of their own, sending out an email with some nice deals like San Francisco to Dallas for 5,000 miles one-way and New York to Dallas from 7,500 miles one-way. Even Midwest markets like Indianapolis, Kansas City, and Minneapolis have sale flights from 9,000 miles one-way. If you’re going to try to take advantage of the Quick Deal we posted a little while ago on the Kimpton in Seattle (See: Book Fast:…

The post Award flash sale: Alaska flights from 5K, many cities appeared first on Frequent Miler.

Huntington Accelerated Business Checking $750 Bonus

by Tom Andrew @ Rebates Money

Sign up by August 31, and receive $750 on us! Huntington Accelerated Business Checking is the premiere banking experience that will make your business thrive with many of the  features that is exclusive only to Huntington. You can have hundreds of transactions free of charge every month. Our customer service operates 24/7 and you can […]

7 Things You Can Use College Loans For — Besides Tuition

by Elyssa Kirkham @ Student Loan Hero

As a student, figuring out the wisest way to use college loans is tricky. You want to borrow enough to pay for college and focus on your studies, but it can be hard to know where to draw the line. Can you borrow to pay for a new computer? What about your internet bill? Some […]

The post 7 Things You Can Use College Loans For — Besides Tuition appeared first on Student Loan Hero.

Chase $500 Coupon – Checking, Savings, & Business

Chase $500 Coupon – Checking, Savings, & Business


Rebates Money

Chase Bank is the best at offering special bonus promotions for new Checking, Savings and Business account sign-ups. Look no further for those seeking the Chase $500 Coupon! Chase is known for offe…

6 High Yield Savings Accounts Without Minimum Balances or Hidden Fees

by Jackie Cohen @ Everybody Loves Your Money

High yield savings accounts are a nice way to make a wee bit of extra income without added risk. This gives you the best of both worlds: Since there’s deposit insurance, you have an element of safety yet you are earning income. The bank earns this income through overnight investments in bond-like instruments and passes on some of the proceeds to you in the form

The post 6 High Yield Savings Accounts Without Minimum Balances or Hidden Fees appeared first on Everybody Loves Your Money.

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.

Emergency Savings Account

Emergency Savings Account


brightpeak financial

Hello, savings and rewards. Goodbye, freak-out. Be prepared for whatever life throws at you with the Emergency Savings Share Account.1

After Holidays Saving Money Plan

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

We wish you a Merry Christmas and a Happy New Year! And we wish you to recover from holidays too, for they can be rather difficult to process both to your tummy and your wallet. Indeed, if you had stood on your weight scale before and after holidays (and we are sure some of you ...

The post After Holidays Saving Money Plan appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

6 Ways To Save Money On Your Utilities

by interestguru @ Top Online Savings Accounts & Money Market Rates 2017

Do you dread opening your utility bill each month? If you have a utility bill that seems to be higher, you need to understand why it’s so high. Many people are not sure how to save money on their utilities and they end up doing the same thing each month only to see that their […]

Baby Rey has arrived, but is preparing for departure

Baby Rey has arrived, but is preparing for departure

by Nick Reyes @ Frequent Miler

A few months back, I mentioned that there was a big coming change in my life (See: Baby Reyes is on board and scheduled for arrival). Regular readers might have noted my absence from the blog for a few weeks recently — and I’m excited to announce that the much-anticipated arrival of Baby Rey came with only a minor delay (and it was a welcome one since I fell down a set of slushy stairs…

The post Baby Rey has arrived, but is preparing for departure appeared first on Frequent Miler.

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.

Is Online Banking Safe? How to Boost Your Banking Security

by Margarette Burnette @ NerdWallet

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

Waiver of Premium Rider

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

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

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

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American Express Platinum Delta SkyMiles Business Credit Card Review: 5,000 MQM + 35,000 Delta Skymiles + $100 Statement Credit

by Anthony Nguyen @ Bank Checking Savings

The Platinum Delta SkyMiles Business Credit Card is currently offering 35,000 Delta Skymiles and 5,000 Medallion® Qualification Miles (MQMs)  when you spend $1,000 in purchases within the first 3 months. Additionally, you can get a $100 Statement Credit when you make a Delta purchase within the first 3 months. For every 5,000 bonus miles redeemed, that’s $50 off... Keep Reading↠

The post American Express Platinum Delta SkyMiles Business Credit Card Review: 5,000 MQM + 35,000 Delta Skymiles + $100 Statement Credit appeared first on Bank Checking Savings.

Personal Loans vs. Credit Cards

by Jeff Gitlen @ LendEDU

Oftentimes, consumers are faced with options when they need to cover an expense that can’t be paid for out of pocket. They typically have to rely on some form of credit to meet this expense. Two popular options are credit cards and personal loans. Both of these leave the consumer with debt; here’s a little […]

The post Personal Loans vs. Credit Cards appeared first on LendEDU.

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.

First Bank Financial Centre Business Checking Bonus: $300 Promotion (Wisconsin only)

by John Catral @ Bank Checking Savings

Available for business owners of Wisconsin, First Bank Financial Centre is currently offering residents of Wisconsin a generous $300 bonus when you sign up and open any new Business Checking Account. All you have to do to get started is open any new business account at your nearest branch or online, and then have at least 50... Keep Reading↠

The post First Bank Financial Centre Business Checking Bonus: $300 Promotion (Wisconsin only) appeared first on Bank Checking Savings.

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 […]

5 Savings Accounts That Pay a Cash Bonus - Everybody Loves Your Money

5 Savings Accounts That Pay a Cash Bonus - Everybody Loves Your Money


Everybody Loves Your Money

If your goal is to save more money this year in an account that is separate from your current bank, here are 5 savings accounts that pay a cash bonus.

How to Balance a Checkbook in 2018

by Jeff Gitlen @ LendEDU

After we entered the digital age of banking, many people felt comfortable giving up check registers and balancing checkbooks because they can monitor their checking account online. However, being able to balance a checkbook is still a useful skill to have in personal finance. If you are living paycheck to paycheck, then you might benefit […]

The post How to Balance a Checkbook in 2018 appeared first on LendEDU.

Here’s something a little different … A robo-adviser with killer checking

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Aspiration Fund Adviser has created a website that offers automated investment advice and allows the user to choose how much they want to pay for that service.

$500 When You Open a New Business Checking Account

by Tom Andrew @ Rebates Money

     The Huntington National Bank offers the opportunity for small, upcoming business owners who want to open a new Accelerated Business Checking account and gain up to $500 just by doing so. This would be great for businesses with the average collected monthly balance of $25,000 to $100,000 in the checking account. The amount inside the account […]

How Much Does a Post Office Box Cost?

by Jim Wang @ Wallet Hacks

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

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

$5 per referral from Ebates

by CashBonusMoney @ Cash Bonus Money

If you do great deal of online shopping, you should consider Ebates to get some cash back bonus. This is a great offer from Ebates! If you have never used Ebates – here is an opportunity to earn cash bonus money. They are currently offering a extra bonus to current members if you refer a friend […]

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.

A Beginner’s Guide to Monetizing a Hobby

by Shen Lu @ MagnifyMoney

Making extra money from a side hustle can be extremely gratifying, especially if it’s something you love doing. And it seems like it’s never been easier to pick up side gigs or monetize your hobbies. There are 57.3 million freelancers in the U.S., according to a 2017 survey commissioned by the Freelancers Union and Upwork, … Continue reading A Beginner’s Guide to Monetizing a Hobby

The post A Beginner’s Guide to Monetizing a Hobby appeared first on MagnifyMoney.

SunTrust Bank Business Checking Account $200 Bonus Offer

by MM Team @ Banking Bonuses – Maximizing Money

SunTrust Bank will give you $200 in bonus cash when you open a new SunTrust Business Checking account and make $1,500 in qualifying deposits within 30 days, available for businesses in Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, Washington D.C., and West Virginia. [Read More] SunTrust Bank Business Checking Account $200 Bonus Offer

The post SunTrust Bank Business Checking Account $200 Bonus Offer appeared first on Maximizing Money.

Safest Places to Live in New Hampshire ( 2017 Updated ! )

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

Located in the northeastern region of the United States, New Hampshire is one of the New England states. It is bordered by Massachusetts, Vermont, Maine, the Atlantic Ocean, as well as the Canadian province of Quebec. New Hampshire is the 5th smallest and the 10th least populous state in the United States, with over 1.33 ...

The post Safest Places to Live in New Hampshire ( 2017 Updated ! ) appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

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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Tips to Eliminate Debt in 2018

by Jacob Lumby @ Cash Cow Couple

This is a collaboration between Cash Cow Couple and National Debt Relief, one of the country’s largest debt settlement companies. Vanessa and I entered marriage with more than $25,000 in combined student loan debt. At that time, we both fully committed ourselves to becoming debt-free. Eliminating our debt became our joint vision and our highest priority, …

Tips to Eliminate Debt in 2018Read More »

The post Tips to Eliminate Debt in 2018 appeared first on Cash Cow Couple.

Chase $500 Coupon – Checking, Savings, & Business

by Vicky Huang @ Rebates Money

Chase Bank is the best at offering special bonus promotions for new Checking, Savings and Business account sign-ups. Look no further for those seeking the Chase $500 Coupon! Chase is known for offering great deals and promotions in hundreds of dollars just by opening an account with a few additional requirements. Forget those measly free gift […]

Chase Savings Coupon Code

by Anthony Nguyen @ Bank Deal Guy

The Chase SavingsSM Account is made simple. With this account, you can start saving with ease! You’ll have access to chase.com and our mobile banking tools. Plus, 24-hour customer support is just a phone call away. See table below for more info regarding the Chase SavingsSM Account Coupon. For more offerings from Chase, be sure to... Read More →

The post Chase Savings Coupon Code appeared first on Bank Deal Guy.

Best Bank Bonuses in Florida

by Anthony Nguyen @ Bank Checking Savings

Editor’s Note: If this is not your state, you can click on the state(s) above to see the Best Bank Bonuses being offered in your selected state(s). As the Floridians say,”Visit Florida” for some of the Best Bank Bonuses in Florida! Before you head out to Walt Disney World, grab some awesome bank deals for some extra spending... Keep Reading↠

The post Best Bank Bonuses in Florida appeared first on Bank Checking Savings.

Chase Boosts Spring Bonuses Up To $250

by Mike Sante @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Chase Bank is bringing back its $150 checking account bonus and adding a $100 savings account bonus to the promotion.

Earn 1,000 IHG Rewards Club Points When Booking Activities

Earn 1,000 IHG Rewards Club Points When Booking Activities

by Stephen Pepper @ Frequent Miler

IHG Rewards Club has teamed up with Viator and is offering 1,000 points whenever you book activities directly with them. The IHG activities portal can be found here. Simply do a search for a destination, attraction or tour and it’ll display all the options that could normally be booked through Viator. My wife and I are currently in Atlanta and are due to visit the World of Coca-Cola in the next few days. We already…

The post Earn 1,000 IHG Rewards Club Points When Booking Activities appeared first on Frequent Miler.

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.

CIT Bank Review: High-Yield Savings and No-Penalty CD

by Jacob Lumby @ Cash Cow Couple

In our current low-interest rate economy, I’m always on the hunt for banking products that offer a competitive interest rate. With my local big bank offering a measly 0.04% interest rate on my checking account, I turned to the internet to find something better and came across several glowing reviews of CIT Bank. As many …

CIT Bank Review: High-Yield Savings and No-Penalty CDRead More »

The post CIT Bank Review: High-Yield Savings and No-Penalty CD appeared first on Cash Cow Couple.

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.

5 Insider Tips to Making $15,000 Off Your Side Hustle

by Jordi Lippe-McGraw @ Student Loan Hero

Taking on a side hustle is a great way to make some extra money. For attorney and creator of personal finance blog Financial Panther, Kevin Han, these extra gigs helped him pay off his $87,000 worth of student debt in just two and a half years. Even though he had a well-paying full-time job as […]

The post 5 Insider Tips to Making $15,000 Off Your Side Hustle appeared first on Student Loan Hero.

Chase United MileagePlus Explorer Review: 50,000 Bonus Miles + $100 Statement Credit

by Anthony Nguyen @ Bank Checking Savings

When you sign up for a United MileagePlus® Explorer Card you can earn yourself a attractive 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months of account activation. Also, you can earn $100 statement credit after you make your first purchase. In addition to that, get priority boarding and 2 redeemable United Club passes each year, so I... Keep Reading↠

The post Chase United MileagePlus Explorer Review: 50,000 Bonus Miles + $100 Statement Credit appeared first on Bank Checking Savings.

10 Things I’ll Buy When I’m Rich

by retirebyforty @ Retire by 40

It is going to be a fun and easy one today. I’ll share 10 things I’ll buy when I’m rich and then you tell me some of yours. We all need a break from the wild gyration on the stock market. It is nerve racking to see the stock market plunge so steeply in just […]

10 Things I’ll Buy When I’m Rich is a post from: Copyright © 2010-2016 Retire By 40 All Rights Reserved

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Bank of America $100 Checking Account Cash Bonuses

by MM Team @ Banking Bonuses – Maximizing Money

Bank of America has a new $100 bonus offer available for opening a Core Checking or Interest Checking account by February 28, 2018, and receiving 2 qualifying direct deposits of $250 or more each within 90 days from account opening. [Read More] Bank of America $100 Checking Account Cash Bonuses

The post Bank of America $100 Checking Account Cash Bonuses appeared first on Maximizing Money.

Chase Banking Bonuses - Earn $250 for Signing Up!

Chase Banking Bonuses - Earn $250 for Signing Up!


Good Financial Cents

Advertising Disclosure While most people are well aware you can earn cash back with a rewards credit cards, few know banks offer yet another way to earn free cash. With bank bonuses, you can earn a

You Can Use American Express Card Points on Grubhub

by Jeff Gitlen @ LendEDU

Grubhub is a food delivery service available for 75,000 restaurants in 1,300 U.S. cities plus London. Through Grubhub’s web site or app, users can enter their address and search through all the restaurants that have a delivery service to their location.When a user places an order through Grubhub, the order is sent to the restaurant. […]

The post You Can Use American Express Card Points on Grubhub appeared first on LendEDU.

How to Remove Credit Report Errors

by Chris Ceballos @ BrightStar Credit Union

What do you do when you spot an innacuracy on your credit report? Take steps to dispute it. Because of […]

4 Ways to Avoid Over Spending During the Weekend

by Chris Ceballos @ BrightStar Credit Union

Blue Federal Credit Union Offers Are Quite The Gimmick

by Tony Phan @ MoneysMyLife

Blue Federal Credit Union offers some impressive rates on their Checking and Savings accounts. Unfortunately, the highest rates available are a bit of a gimmick, so don’t get too excited. On the plus side, accounts are available for nationwide application. Established in 1951 and headquartered in Cheyenne, Wyoming, Blue Federal CU has nearly 15 locations […]

Smoke in Rear of Southwest Plane Causes Emergency Evacuation

Smoke in Rear of Southwest Plane Causes Emergency Evacuation

by Jeffrey Preis @ The Points Guy

A Southwest Boeing 737 headed from John Wayne International Airport (SNA) in Orange County, California, to San Jose (SJC) was evacuated in an emergency Monday night due to a fire. Flight 2123 was stopped by ground crews after being pushed back from its gate when they noticed a fire in the rear of the plane. The Boeing 737-700, with …

Chase Bank Bonus Coupon Codes – $150, $200, $350, $500 – New $500 Combo Link Available

by MM Team @ Banking Bonuses – Maximizing Money

Check out these Chase Bank bonus coupon codes to earn a $150, $200, $350, or even $500 cash reward when you open a new Chase checking account or savings account including business accounts, plus there is a new $500 Chase combo link available through March 3, 2018. [Read More] Chase Bank Bonus Coupon Codes – $150, $200, $350, $500 – New $500 Combo Link Available

The post Chase Bank Bonus Coupon Codes – $150, $200, $350, $500 – New $500 Combo Link Available appeared first on Maximizing Money.

Up To $350: Chase Checking And Saving Bonus Offer Reviewed - MagnifyMoney

Up To $350: Chase Checking And Saving Bonus Offer Reviewed - MagnifyMoney


MagnifyMoney

By opening a Chase Checking and Savings account, customers can earn up to a $350 bonus. We explain how it works and whether it is worth it. 

Best Bank Account Bonuses and Offers February 2018 - NerdWallet

Best Bank Account Bonuses and Offers February 2018 - NerdWallet


NerdWallet

Excellent cash bonuses are available if you open checking or savings accounts with some banks. Here are the best offers this month: Checking account offers and savings promotions Top picks…

What to Know About Bank Account Opening Bonuses | LendEDU

What to Know About Bank Account Opening Bonuses | LendEDU


LendEDU

You might have noticed recently that banks seem to be in an arms race to see who can offer the biggest bonus for opening a new account. Whether they're offering iPads or cash bonuses of anywhere from $50, to $500, you might have considered opening a new account to take advantage of one juicy bank bonus.But …

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.

Here’s What You Need to Know About Investing in Real Estate

by Vanessa @ Cash Cow Couple

Historically, real estate has outperformed the S&P 500, making it one of the best investment vehicles around. The benefits of investing in real estate are many: real estate investors can use a mortgage to fund the purchase of investment properties, and in a good market, real estate can all but guarantee a steady cash flow. …

Here’s What You Need to Know About Investing in Real EstateRead More »

The post Here’s What You Need to Know About Investing in Real Estate appeared first on Cash Cow Couple.

Legacy Texas Bank Checking Review: $200 Bonus (Texas only) *Current Clients only*

by Howard Young @ Bank Checking Savings

Are you currently banking with Legacy Texas Bank? Legacy Texas Bank is currently offering existing clients a generous $200 bonus when you apply and qualify for a new Maximum Checking Account with a minimum opening deposit of $100 by March 31, 2018. Once you have signed up for a new account, all you have to have to... Keep Reading↠

The post Legacy Texas Bank Checking Review: $200 Bonus (Texas only) *Current Clients only* appeared first on Bank Checking Savings.

New Bank Deals, Bonuses, & Promotions February 2018: Checking & Savings Accounts

New Bank Deals, Bonuses, & Promotions February 2018: Checking & Savings Accounts


Bank Deal Guy

Best bank deals, promotions and sign-up bonus offers. Bank deals, offers for Checking, Savings account promotions. Best Business account offers.

Chase Total Checking Account Bonus

by Liz Pham @ Bank Deal Guy

Right now, Chase Bank is offering a sign-up bonus when you open their Chase Total Checking® Account. This account is very easy to use and you’ll have access to many features such as online banking, bill pay, mobile banking services like Chase DepositFriendlySM ATMs nationwide, and more! With over 16,000 ATMs and 5,100 branches, convenience is definitely... Read More →

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$10 off at Amazon with Discover (widely available)

$10 off at Amazon with Discover (widely available)

by Nick Reyes @ Frequent Miler

Amazon and Discover are out with a new promotion offering $10 off your next order when you change your 1-click payment setting to a Discover card. This promotion appears to be targeted, but I was able to force it to show up (even after it initially said I wasn’t targeted) by following the steps below (courtesy of Doctor of Credit). The Deal Save $10 on your next eligible Amazon.com purchase (on items shipped & sold by Amazon) when you change your 1-click…

The post $10 off at Amazon with Discover (widely available) appeared first on Frequent Miler.

Navy Federal Credit Union $25 New Membership Promotion

by MM Team @ Banking Bonuses – Maximizing Money

Navy Federal Credit Union is offering a $25 new membership promotion for simply starting a new membership and opening a new membership savings account with a $5 minimum balance. [Read More] Navy Federal Credit Union $25 New Membership Promotion

The post Navy Federal Credit Union $25 New Membership Promotion appeared first on Maximizing Money.

Checking Deal Pays 1.4% For Six Months

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

The bank's Yield Pledge Checking isn't a rewards account, so there are no hoops to jump through, and there's no minimum balance or monthly fees.

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-->

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A Checkless Checking Account Could Save You Money, Simplify Your Life

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

If you're one of those people who never carries a checkbook and hates writing checks, a checkless checking account could help you cut down on paper and fees.

Which Southwest Credit Card is Right for You?

by feedback@creditdonkey.com (Anna G) @ CreditDonkey

Fly Southwest? You may want to consider a Southwest credit card from Chase. But which one is right for you? We break it down.

Southwest offers a couple of the best airline cards for domestic travelers.

If you fly Southwest at least a couple of times a year, consider one of the two co-branded credit cards offered by Chase: Southwest Rapid Rewards Plus and Southwest Rapid Rewards Premier.

Both cards offer a high sign-up bonus and good reward potential. The Plus has a lower annual fee but is not ideal for international travel. The Premier is the more upscale version with slightly better rewards.

Which makes more sense?

We'll do a full run-down comparing the two cards, so you can make your own choice.

Overview: Southwest Plus and Southwest Premier

Before we start comparing, let's go over how the two cards work in a nutshell. Both cards give you the same sign-up bonus and reward points. There are a couple of major differences:

  • The Southwest Plus card has a $69 annual fee. You get 3,000 bonus points each anniversary year. There is a foreign transaction fee.

  • The Southwest Premier card has a $99 annual fee. You get 6,000 bonus points each anniversary year and earn points toward elite tiers. There is no foreign transaction fee.

Now, with these major differences in mind, let's go over why you may prefer one over the other.

Note: Chase has a 5/24 rule, which means that if you've opened 5 credit card accounts in the past 24 months (from any bank), you will not be approved for a new card. The Southwest cards fall under this rule.

Why Either Card Is a Good Choice

Both cards are designed to earn Rapid Reward points, which can then be redeemed for Southwest award flights (more detail in the next section). With both Southwest cards, you get:

  • Sign-up bonus. You can earn 50,000 points after you spend $2,000 on purchases in the first 3 months of account opening.

  • 2x on Southwest purchases. You get 2 points per dollar spent on Southwest purchases, including participating Rapid Rewards hotel and car rental partner purchases. You get 1x per dollar on all other purchases.

  • Points for balance transfers. You get 1 point for each $1 in balance transfers made within the first 90 days of account opening (up to $10,000 for the Plus, and $15,000 for the Premier). Most credit cards don't let you earn points for balance transfers.

  • Earn points toward Unlimited Companion Pass. If you earn 110,000 Rapid Reward points in one calendar year, you can name one companion to fly free with you on unlimited Southwest flights until the end of the following year. This is one of the best companion deals out there. With the sign-up bonus alone, you're more than a third of the way to the Companion Pass.

    Note: Only points earned with the Southwest credit cards qualify towards a Companion Pass. So, for example, if you have the Chase Sapphire Preferred and transfer points to Southwest, they won't qualify.

  • Bags fly free. Your first and second checked bags are free.

  • No blackout dates, seat restrictions, or change fees. You can use your miles to book any seat on any flight. And if you need to change the date of a flight, there's no change fee (though you will still need to pay the fare difference).

  • Rewards never expire. Your miles never expire as long as your card account remains open.

Who the Southwest Plus Card Is Good For

If you're an occasional domestic flyer (you fly Southwest just a few times a year), then this card is probably good enough for you. Since both cards have the same sign-up bonus and reward earnings, the Plus will save you money with a smaller annual fee.

Remember, it also gives you 3,000 points every anniversary year. This doesn't fully cover the annual fee, but it makes it easier to swallow.

Why the Southwest Rapid Reward Premier Card Is Superior

If you fly Southwest more often, the Premier card may be better for you. Here are some other perks that come with the Southwest Premier:

  • Tier qualifying points (TQPs): For every $10,000 spent on the card (on eligible purchases), you earn 1,500 TQPs. You can earn up to 15,000 TQPS per year. TQPs can be used for Rapid Rewards elite status.

    • If you achieve A-List status (35,000 TPQ per year), you get: priority check in, security, and boarding; dedicated phone line; free same-day standby; and 25% earnings bonus on Southwest flights.

    • If you achieve A-List Preferred status (70,000 TPQ per year), you get the above plus: free in-flight Wi-Fi and 100% earnings bonus on Southwest flights.

  • 6,000-point anniversary bonus: You get a bonus 6,000 points every year on your account anniversary. 6,000 points could be worth a flight around $100, so this already justifies the higher $99 annual fee.

  • No foreign transaction fee: The Premier card has no foreign transaction fee for purchases made abroad.

Do you own a business? There is also a business version of the Premier card – the Southwest Rapid Rewards Premier Business Credit Card.

Both Do Have Downsides

Keep in mind some of these downsides for both cards:

  • No priority boarding. Unlike other co-branded airline cards that give you priority boarding just for owning the card, the Southwest cards don't include this perk. The only way to get this perk is to earn enough TPQs in a year to qualify for elite status.

  • High APR. Neither card has an introductory APR offer for purchases or balance transfers. The regular APR is quite high, so make sure you are able to pay off the balance each month.

  • You only get bonus points for Southwest flights, and hotel and car rental partners. Unless you fly Southwest a lot and use their hotel and car rental partners, it may be hard to rack up points. If your goal is to earn points faster, then consider whether the Chase Sapphire Preferred may be a better fit. It gives you 2x points on travel and dining purchases. Then you can transfer the points 1:1 to Southwest (but they won't qualify for the Companion Pass).

  • You can only redeem on Southwest flights. This isn't much of a problem if you take a lot of Southwest flights. But if you want more flexibility or want to travel to places Southwest doesn't go, then think about whether it's better to get a general travel rewards card that lets you use any airline.

  • The Plus card has a foreign transaction fee. The Plus card charges a foreign transaction fee on purchases made out of the country (3% of each transaction in U.S. dollars on purchases). However, the Premier card has no foreign transaction fee, so it is better if you travel internationally.

How to Use Southwest Rapid Reward Points

Both cards earn Rapid Reward Points, which you can redeem towards any Southwest flight, with no blackout dates and no seat restrictions.

Using your points is very easy. Simply sign in to your Rapid Rewards account (create it for free) to book travel, and select the option “Points.”

You will then see the flight options listed in points. You can also toggle back and forth between dollars and points to compare the points value.

Southwest has three types of fares. Wanna Get Away is the cheapest fare. It's nonrefundable, but can be cancelled for credit good up to 1 year from purchase date. Business Select and Anytime fares are fully refundable.

So what are Rapid Reward points worth?
Southwest points have pretty good value, especially for the Wanna Get Away fights. We find that, generally, each Rapid Reward point is worth between 1.6 and 2.0 cents. This means that 10,000 points could be redeemed for a flight that costs around $160 - $200.

For example, in the sample flight above from Los Angeles to Seattle in March 2018, the highlighted flight costs 4,248 points. If you were to buy it with cash, it costs $86. That means the point value of the flight is 2.02 cents.

You don't pay any taxes or surcharges for domestic flights, except for the $5.60 Security Fee in each direction.

Do You Fly Other Airlines?

Not a frequent Southwest flyer? If there's another airline you prefer instead, consider these cards:

Bottom Line

So, which Southwest card is right for you? Since both cards give the same sign-up bonus and have the same reward structure, which is better?

If you fly Southwest just a few times a year domestically, the Plus card will do the job just fine. If you travel to any of Southwest's international offerings, you'll want the Premier card as it has no foreign transaction fee. It also has a larger anniversary bonus each year, which helps justify the $99 annual fee.

Which Southwest Credit Card is Right for You? appeared first on CreditDonkey

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Southwest Rapid Rewards Premier Credit Card, United MileagePlus Explorer Card, Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, and Southwest Rapid Rewards Plus Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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.

How to Recover Financially from the Holidays ?

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

As the holidays come and go, you may notice that your wallet feels thinner than usual or that you’re up to your neck in bills. Although the holidays can be a joyful time, they can also put a damper on your finances. This post-holiday finance distress can be something you try to run away from, ...

The post How to Recover Financially from the Holidays ? appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

Have You Calculated Your Net Worth Lately?

by budgetqueen @ Top Online Savings Accounts & Money Market Rates 2017

When you hear the words “net worth” do you think they only apply to the rich? Not so! Not so! Your net worth is an excellent gauge for you to determine how you are doing financially and what you can do to improve. Just jot it down on a piece of paper. This will take […]

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.

Chase Savings $300 Coupon – Requires $25K Deposit (Direct Working Link & Available Online)

by Vicky Huang @ Rebates Money

Chase Bank is the best at offering special bonus promotions for new account sign-ups. With holidays around the corner, this is a great time to take advantage of the Chase Savings $300 Coupon when you deposit $25K to the savings account and meeting few simple requirements. Forget those measly free gift promotions and actually make your […]

Huntington Bank Coupons: $150, $200, $300, $500, & $750 Deals, Offers, & Promotions

by Danny Nguyen @ Bank Deal Guy

Huntington Bank Coupons, Coupon Codes, Promo Codes, Bonuses, Deals, Offers, and Promotions for their Checking, Savings and Business accounts can all be found here. Huntington Bank Coupon & Bonus Promotions are constantly updated throughout the year, so bookmark this page or check back on our Huntington Bank Deals, Offers, Bonuses, and Promotions master post for updates. Check out... Read More →

The post Huntington Bank Coupons: $150, $200, $300, $500, & $750 Deals, Offers, & Promotions appeared first on Bank Deal Guy.

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 […]

Milwaukee Deal: $200 Checking Bonus

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

First Federal Bank is making it pretty easy for anyone who opens any of its four types of checking accounts to collect this checking bonus.

What You Need to Know About Your Company’s DSCR

by Vanessa @ Cash Cow Couple

CAGR, EPS, NAV, ROCE — business finance is filled with confusing acronyms. Fortunately, you don’t need to remember most of them as long as you have a handle on the most important of all: DSCR. If you rely on lending of any type to procure funding for your business, your debt-service coverage ratio (DSCR) should …

What You Need to Know About Your Company’s DSCRRead More »

The post What You Need to Know About Your Company’s DSCR appeared first on Cash Cow Couple.

How 12 Olympians Pinched Pennies to Chase Gold

by Teddy Nykiel @ NerdWallet

We’re used to hearing stories of triumphant Olympians overcoming all odds to achieve their dreams. But for many, staying afloat financially is a lesser-known hurdle as they ski, skate, jump,…

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 […]

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Best Bank Deals, Bonuses, & Promotions In Iowa

by Danny Nguyen @ Bank Deal Guy

Editor’s Note: Not your state? No worries, you can click on the state(s) above to see the Best Bank Deals, Bonuses, & Promotions being offered in your state. New to bank bonuses? No worries! See our Beginners Guide To Bank Bonuses. Amongst the sea of corn fields you can find some pretty nice bank bonuses. Here is a... Read More →

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Earn 10,000 IHG Points For A Kimpton Stay (Now Open To All)

Earn 10,000 IHG Points For A Kimpton Stay (Now Open To All)

by Stephen Pepper @ Frequent Miler

Last week we shared a targeted deal offering 10,000 IHG Rewards Club points for staying at the Kimpton brand. Good news for all those of you that didn’t receive an email about it – the offer’s now open everyone. The Deal Receive 10,000 IHG Rewards Club points with your next Kimpton stay from now until April 30, 2018. Key Terms Must be an IHG Rewards Club member and must register your member number in advance to participate in this Offer. (n.b.…

The post Earn 10,000 IHG Points For A Kimpton Stay (Now Open To All) appeared first on Frequent Miler.

How To Avoid Chase Bank Account Monthly Fees

by Hilary Tran @ Bank Deal Guy

Bank accounts are a useful way to track your transactions and keep an eye on all your expenses. Not only do you know that your money is safe, but you can also earn interest with the money that you have in your bank account. However, nothing is free and bank accounts come with the threat... Read More →

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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.

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

~$~

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.

Chase Premier Plus Checking Coupon Code

by Anthony Nguyen @ Bank Deal Guy

Need a checking designed to help you easily manage your everyday banking needs & earn internet? You can with the Chase Premier Plus CheckingSM Account. Need more than basic checking with online bill pay and mobile banking? Not only can this checking account earn you interest, but you’ll also save money on ATM fees and other select... Read More →

The post Chase Premier Plus Checking Coupon Code appeared first on Bank Deal Guy.

Evolve Federal Credit Union Rewards Checking Account Review: 5.00% APY Up To $10,000

by John Catral @ Bank Checking Savings

Available for residents of Texas, Evolve Federal Credit Union is currently offering a generous 5.00% APY when you sign up and open a new ePriority Checking account. If you are currently interested, the bank is offering you the attractive APY rate on a balance up to $10,000. Not only are you able to bank with ease with... Keep Reading↠

The post Evolve Federal Credit Union Rewards Checking Account Review: 5.00% APY Up To $10,000 appeared first on Bank Checking Savings.

How to Improve and Increase Your Credit Score

by Jacob Lumby @ Cash Cow Couple

A good credit score unlocks a wide variety of financial opportunities, including easier and cheaper access to credit and loans, reduced insurance premiums, better lease agreements, fewer utility deposits, and even potential employment opportunities. In our modern economy, your credit matters more than ever before, and you should take every opportunity to improve your credit score …

How to Improve and Increase Your Credit ScoreRead More »

The post How to Improve and Increase Your Credit Score appeared first on Cash Cow Couple.

$150 Checking Bonus at First Tennessee Bank

by CashBonusMoney @ Cash Bonus Money

Get $150 checking bonus when open a new First Tennessee Bank checking account by April 30, 2018. You will need to make opening account of $300 and direct deposit as qualification merit. How do you get the $150 checking bonus promotion at First Tennessee Bank? You must open the checking account online here. If you unable to […]

This Is The Tallest Hotel In The World

This Is The Tallest Hotel In The World

by Katherine Fan @ The Points Guy

In Dubai, a city synonymous with superlatives, the Guinness Book of World Records just confirmed newcomer Gevora Hotel to be the world’s tallest at just over 356 meters high (1,168 feet). Neighbor and previous record-holder the JW Marriott Marquis Dubai stands just one meter shorter at 355 meters (1,165 feet). The Gevora Hotel has four restaurants, …

BBVA Compass Bank 12-Month Certificate of Deposit Account: Earn 1.50% APY [Nationwide]

by Danny Nguyen @ Bank Deal Guy

Available nationwide, you can earn 1.50% APY when you open up a new 12-Month CD Account with BBVA Compass Bank! Below is all the information and details you need to open your BBVA Compass Bank 12-Month Certificate of Deposit Account to earn 1.50% APY! Editor’s Note: See our full list of BBVA Compass Bank Deals, Bonuses, Rates, and Promotions. BBVA Compass Bank... Read More →

The post BBVA Compass Bank 12-Month Certificate of Deposit Account: Earn 1.50% APY [Nationwide] appeared first on Bank Deal Guy.

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 […]

Understanding Implied Volatility

by feedback@creditdonkey.com (Kim Pinnelli) @ CreditDonkey

Wouldn't it be nice if someone could tell you which options to trade? If you had a crystal ball that showed you how an option would perform?

That might not be reality. But there is a way to have an idea of how a stock might perform. It's called the implied volatility. It's the market's opinion on how a stock will react in the next 12 months. The IV may predict how much a stock may move, but it doesn't predict the direction.

Knowing this opinion can help you decide which option, if any, is right for you.

A Closer Look at Implied Volatility

In more technical terms, implied volatility is a percentage of the stock price. For example, ABC stock has a 20% IV. This means the market predicts the stock will increase or decrease 20% in the next year. The IV is based on one standard deviation.

A standard deviation is a statistical term. In statistics, it means that there is a 68% chance of the IV prediction coming true. In the above example, there is a 68% chance that the stock will move 20%. It could be 20% higher or lower than its current price in 1 year.

Looking at it in simpler terms, it's a type of boundary set up for the stock's price. Knowing a stock's potential range can help you choose the right investment. You can measure the IV against your thoughts on the stock's movement. Then you can decide if and when you should buy and sell options.

Keep in mind, though, that there's still a 32% chance that the prediction won't come true. There's a 16% chance the stock could fall lower than the designated range. There's also a 16% chance it could increase even more.

Here's an example:

ABC stock currently trades at $40/share. The implied volatility of the option contract is 30%. This means within the next year, the market predicts the stock will move up or down 30%. In other words:

$40 x .30 = $12

The stock could end up:

$40 + $12 = $52

or

$40 - 12 = $28

Again, this is just a prediction and it's over the course of a year. However, you could use $28 and $52 as the "boundaries" for the stock's price for investment strategy purposes.

How Implied Volatility Affects an Option's Price

Implied volatility and option prices have a direct relationship. If implied volatility increases, the option's premium increases. If the implied volatility decreases, the option's premium decreases. In other words, rising implied volatility can be bad for buyers. The option's premiums will continue to increase. This could make the option more expensive. This also increases the buyer's break-even point.

However, a rising IV can be good for sellers. They may make an inflated premium. This can help their position. It helps lower their break-even point in an uncertain market.

There is a flip side, though. If you already own options and want to close the position, you'll feel differently. Closing the position means:

  • If you bought an option, you want to sell it back to the market to close the position.
  • If you sold an option, you want to buy it back from the market to close the position.

In this case, a rising IV is good for the buyer. Since he originally bought the option, he is trying to make money back. A rising IV could mean he collects a higher premium.

The seller, on the other hand, will regret a higher IV. The higher premium means it'll cost the investor more to buy the option back. It could result in a loss depending on how much he initially paid for the option.

Figuring Out the Option's Standard Deviation for Expiration

The implied volatility shows how the price might change over a year. But the most common options contracts expire in 1 to 3 months. Knowing what it might do in a year doesn't help much.

You can use this calculation to figure out the percentage change based on the yearly IV:

Stock price x Implied volatility x v(Days to expiration/365)

Take for example, a stock price of $50 with an implied volatility of 20% and 30-day expiration. It would have a standard deviation of:

$50 x .20 x √(30/365) = $2.80

In the next 30 days, the stock is predicted to move up or down $2.80.

In the next 12 months, however, the stock is expected to move a total of $10 either way.

Which Options Does IV Affect the Most?

As a general rule, implied volatility has the most effect on an at-the-money option. This option has a strike price equal to the market price. Here's an example:

ABC stock is currently trading for $50. You have a 3-month call for ABC stock with a $50 strike price. You wouldn't exercise the call right now. You could buy the stock from the open market at the same price. If the option has a 20% IV, it means the stock is predicted to increase or decrease 20% over the next year.

This means over the next 3 months:

ABC stock could trade for $45 or $55.

$50 x .20 x √(90/365) = $5

If it falls to $45, your call expires worthless. You wouldn't exercise your right to buy a stock at $50/share when it's trading for $45.

But, if the stock price rose to $55, you would exercise your call. You could then buy 100 shares at $50 and then sell them for $55/share. You'd realize capital gains of $500 minus the premium you paid for the option.

Any change in the stock's price can affect your option's position.

On the other hand, deep out-of-the-money or in-the-money options aren't as affected. Even a 20% predicted change won't affect your position as much.

For example:

ABC stock currently trades for $50. You have a 3-month call with a $30 strike price that you haven't exercised yet. Right now you are in-the-money. You have $20 intrinsic value on the stock.

Intrinsic value: The equity you have in a stock or the difference between the stock's price and the option's strike price.

Again, the 20% implied volatility means that in the next 3 months, the stock might change $5. You are already deep in the money with a $30 call. That $5 change won't affect your position.

If the stock increases $5, it would be $55. You exercise your option at either price. If the stock falls $5, you could still exercise your option as it would trade at $45.

Using Implied Volatility in Your Strategy

As a general rule, you want to buy when the implied volatility is low and sell when it's high. This way, you buy for a lower premium and have a lower break-even point. The longer your expiration date in this case, the better, though. It gives your stock more time to change in the direction you need.

If you sell when implied volatility is high, you increase the premiums you make on the option. Of course, high volatility means higher risk that the stock could move in the wrong direction.

The Final Word

Implied volatility shouldn't be the only thing you consider. You can, however, use it as a factor. Knowing what a stock might do in the future can help you strategize. That's what buying and selling options is all about.

Understanding Implied Volatility appeared first on CreditDonkey

Special Offer for Opening a New Merrill Edge Account

Special Offer for Opening a New Merrill Edge Account


Merrill Edge

Get up to $600 when you enroll in the offer and open and fund a new Merrill Edge investment account.

Northern Paper Mills CU $100 Checking Account Cash Bonus – Wisconsin

by MM Team @ Banking Bonuses – Maximizing Money

If you live or work in Brown County, Wisconsin, or work for Georgia Pacific Corporation in Green Bay, Wisconsin, you can earn a $100 bonus for opening a new personal checking account with Northern Paper Mills Credit Union. [Read More] Northern Paper Mills CU $100 Checking Account Cash Bonus – Wisconsin

The post Northern Paper Mills CU $100 Checking Account Cash Bonus – Wisconsin appeared first on Maximizing Money.

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.

Should my dad sell an investment property in the Bay Area?

by @ The Money Mustache Community

Hey guys,

So my parents own a couple investment properties in the Bay Area. One of them is a small 1bd/1br bottom-unit condo in Alameda built in 1969 I believe. He probably paid $40-45k or less for it and it would likely sell for somewhere between $500...

Sign Up Now For A $200 Checking Bonus

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Fifth Third Bank will pay you a $200 bonus just for opening a new checking account, signing up for direct deposit and making a few bill payments online.

CIT Bank Premier High Yield Savings $100 Bonus

by Tom Andrew @ Rebates Money

Thank you for your interest in our company! We’d like to return your interest with interest – literally. If you open a Premier High Yield Savings Account with us, the benefits are endless. We reward our customers with 1.30% APY, which is more than TWENTY ONE TIMES the national average. On top of that, we […]

How To Save Money On Auto Insurance

by Susan Paige @ Everybody Loves Your Money

Shopping for auto insurance can be stressful, confusing, and expensive. It doesn’t have to be any three of those things though. In fact, with technology, buying car insurance is fairly simply and, with the right tools, budget-friendly. When it comes to saving money on insuring your vehicle, it is important to remember that your insurance is there to protect you and the passengers in your

The post How To Save Money On Auto Insurance appeared first on Everybody Loves Your Money.

Safest Places to Live in Maine ( 2017 Updated ! )

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

Located in the northeastern region of the United States, Maine is the easternmost state and along with Washington, the northernmost state in the country. It borders New Hampshire, the Atlantic Ocean and Canadian provinces New Brunswick and Quebec. With over 1.3 million residents, it is the 9th least populous state. The capital of Maine is ...

The post Safest Places to Live in Maine ( 2017 Updated ! ) appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

Life Insurance and Millennials — What to Consider Now

by Barbara Marquand @ NerdWallet

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

BBVA Compass Bank Deals, Bonuses, & Promotions: $50, $100, & $200 Checking & Savings Offers

by Danny Nguyen @ Bank Deal Guy

Find the latest BBVA Compass Bank Deals, Bonuses, & Promotions here at BankDealGuy! BBVA Compass Bank is available physically in a few states but available for residents in 48 contiguous states! Check out excellent checking, money market, savings, certificate of deposit accounts, and more! See below for our list of BBVA Compass Bank Deals. BBVA Compass Bank has numerous... Read More →

The post BBVA Compass Bank Deals, Bonuses, & Promotions: $50, $100, & $200 Checking & Savings Offers appeared first on Bank Deal Guy.

New York City Checking Bonus Pays $250

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Astoria Bank has a checking account that works almost like a short-term CD. A very, very good short-term CD.

British Airways Visa Signature Card 75,000 Avios Bonus + 3 Avios for Every $1 Spent on British Airways Purchases

by Anthony Nguyen @ Bank Deal Guy

Compare this card with other travel related cards here. The British Airways Visa Signature® Card is offering a chance to earn up to 75,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus, earn an additional 25,000 bonus Avios after you spend $10,000 on purchases within your first year of account... Read More →

The post British Airways Visa Signature Card 75,000 Avios Bonus + 3 Avios for Every $1 Spent on British Airways Purchases appeared first on Bank Deal Guy.

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.

Discover Bank Review: CD Rates and Savings

by feedback@creditdonkey.com (Lee M) @ CreditDonkey

Discover offers high interest rates on its online savings and CD accounts. But there are some downsides. Here's what you need to know before you open an account.

Traditional savings accounts pay very little interest. If you want to earn a more impactful return on your savings, online banks often offer higher rates.

In this article, we will look at how you can use Discover's Online Savings Accounts and CDs to help grow your savings.

How It Works

Discover offers high yield savings accounts and Certificates of Deposit (CDs). Both earn a higher interest rate than a typical savings account. However, the two products work in fundamentally different ways.

  • Discovers Online Savings Accounts can earn up to a 1.40% annual percentage yield (APY). They work much like typical savings accounts, except that Discover does not have any physical branch locations.

  • Discover's CDs require you to deposit your savings for a set period of time. Withdrawing funds from a CD before the term has ended will incur a penalty. Also, CDs often have a higher minimum deposit than savings accounts. Due to these requirements, some CDs earn a higher APY than savings accounts.

Now that we've covered the basics, let's get into the specifics.

Discover Bank Promotions: February 2018

Online Investor Savings

Discover is an online bank, so they don't have many of the overhead costs that brick-and-mortar banks do. This allows Discover to offer no minimum deposit and a high APY on its Online Savings Account. Here are some additional details:

  • 1.40% APY
  • No minimum deposit
  • No account opening fees
  • No monthly maintenance fees
  • Daily compounding interest
  • Free online and mobile banking
  • FDIC insured

As with any savings account, you'll be limited to 6 withdrawals per month. This is a federally-imposed limitation.

If you need to withdraw money from your Discover savings account, you have a few options: internal Discover transfers, external transfers to another bank, wire transfers, and mailed checks.

Is Discover Safe?: Discover is FDIC insured. This means that if Discover defaults, the federal government guarantees the balance in your savings account, up to $250,000.

Certificate of Deposit (CD)

For CDs, you must deposit a fixed amount of money for a fixed amount of time.

There are a few key factors to consider when deciding on a CD: the term length, the minimum deposit, and the APY. Discover also offers some retirement account qualified CDs, which can be a good option to supplement your retirement savings. Contact your financial professional to see if these retirement options are right for you.

Here are your options:

  • Term CDs: Discover's basic CDs are available in 3, 6, 9, 12, 18, 24, 30 months, and 3-, 4-, 5, 7- or 10-year terms. They require a minimum deposit of $2,500, and their APY range from .35% to 2.45%.

  • IRA CDs: Discover offers a retirement account qualified CD option as well, if you qualify. Both Roth (post-tax) and Traditional (pre-tax) options are offered. Terms and APY of these products are similar to that of Discover’s term CDs.

Why We Like Discover

Here are a few things that we like about Discover's online savings accounts and CDs:

  • Low minimum deposits: If you have just started saving or want to set aside a small balance, Discover can be a great choice. Their Online Savings have no minimum balance requirements at all. Their deposits for term CDs and IRA CDs are some of the lowest in the industry.

  • High rates: Discover's Online Savings offers such a high APY that it outperforms some of their short-term CDs. This is great news for anyone looking to save, but especially for those who can't pay the high minimum deposits that some other banks require. And if you meet a higher minimum deposit, you can earn as much as 2.45% APY on a CD, depending on term length.

  • Minimal fees: Discover cuts out many fees that other banks profit from. For example, you will not be charged any account opening or maintenance fees.

  • Retirement options: Discover offers IRA CDs, which can be utilized in a retirement planning strategy.

Reasons You Might Skip Discover Savings

For all of Discover's advantages, there are some downsides that need to be considered:

  • No branch locations: In exchange for the high interest rate on your online savings account, you are required to do your Discover banking online or over the phone.

  • No ATM card: Discover Savings does not provide an ATM card for easy withdrawals. This could be a good thing so you’re not tempted to spend your money. But if you like that convenience, look into their Money Market account instead. Or there are some other online savings accounts that come with an ATM card.

  • No Relationship Rewards: Some retail banks in the U.S. are now offering relationship bonuses to incentivize their customers to keep all of their business in one place. If you move your savings balance to Discover from your retail bank, you may miss out on some of these relationship bonuses. Contact your bank for more details.

Common Questions

If you're still interested, you probably have some questions. We'll clear up some of the basics here:

  • Should I open a CD or savings account?
    This is a really broad question and everyone has different investment goals. The decision comes down to how much you're looking to set aside, how much risk you are willing to take, and how much you'll need to access your savings.

    If you can commit to not touching your savings for at least 1 year and can meet the minimum deposit, you may be able to earn a higher interest rate with a CD versus a savings account. If you need liquidity, a savings account gives you more flexibility to withdraw your savings when needed.

  • How can I deposit funds with Discover Bank?
    For savings accounts, there are a few ways to deposit funds: deposit checks with your mobile device, transfer from Discover checking, transfer from an external account, mail a check, or set up a direct deposit to your new account. For term CDs, you can transfer from Discover checking, transfer from an external account, transfer by phone, or mail a check. For IRA CDs, contact Discover for instructions on how to fund a Discover IRA account.

  • What is the penalty for early withdrawals from Term CDs?
    It depends on the term of your CD. Here's how it breaks down:

    • Terms less than 1 year: 3 months' interest on the amount withdrawn
    • Terms from 1 year to <4 years: 6 months' interest on the amount withdrawn
    • Terms over 4 years to <5 years: 9 months' interest on the amount withdrawn
    • Terms over 5 years to <7 years: 18 months' interest on the amount withdrawn
    • Terms over 7 years and greater: 24 months' interest on the amount withdrawn

Bottom Line

If you're ready to start building your savings, then you should consider if Discover's Online Savings Accounts or CDs are right for you.

Even if you only have $1 in savings, you can start earning interest in a high yield savings account. Or, if you have at least $2,500 set aside and aren't concerned about liquidity, you can earn an even greater return with a CD.

Discover's savings offerings might not be the right savings product for you, but if you're looking to earn interest above that of a standard savings account, opening a savings accounts or CD from Discover is an investment option worth considering.

Discover Bank Review: CD Rates and Savings appeared first on CreditDonkey

Disclaimer: Opinions expressed here are those of the author's alone. Please support CreditDonkey on our mission to help you make savvy financial decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

Re: First Job in 16 Years - Advice, Please!

by @ The Money Mustache Community

PetiteMouche, way to go on returning to the workforce!  Very glad you are making your decisions and sticking to them.  Here's hoping you keep standing up for yourself and making good choices.  The other job sounds great.  I support 4 weeks being plenty...

Tips To Dine Out For Less

by interestguru @ Top Online Savings Accounts & Money Market Rates 2017

Want to enjoy dining out once in a while? If you find that the cost of eating out is too expensive and it’s too difficult, you need to look for different ways in which you can save money on dining out so you can enjoy it once in a while! Here are some easy ways […]

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.

What To Consider Before You Borrow Against Your Retirement Plan

by Jackie Cohen @ Everybody Loves Your Money

Think carefully before you borrow against your retirement plan — it might be cost effective in the short term but has some drawbacks. This is one of the few types of loans that doesn’t require an application, let alone a good credit score, and in the short term it can be more cost effective than other types of borrowing, assuming your plan sponsor allows you

The post What To Consider Before You Borrow Against Your Retirement Plan appeared first on Everybody Loves Your Money.

Legacy Texas $200 Checking Bonus [TX] (Current Clients Only)

by Danny Nguyen @ Bank Deal Guy

Existing LegacyTexas clients now have the opportunity to earn a $200 checking bonus when you open a new Maximum Checking Account and meeting certain requirements. Below is all the information and details you need to earn your Legacy Texas $200 Checking Bonus! Legacy Texas $200 Checking Bonus Summary To earn your Legacy Texas $200 Checking Bonus, simply open... Read More →

The post Legacy Texas $200 Checking Bonus [TX] (Current Clients Only) appeared first on Bank Deal Guy.

Average Cost of Insurance

by feedback@creditdonkey.com (Kim Pinnelli) @ CreditDonkey

The average person pays around $4,200 per year for insurance, including car, health, dental, life, and homeowners insurance. That's before any adjustments.

Keep reading to learn the startling facts about the average cost of insurance and what you can expect.

The Average Cost of Car Insurance

Drivers spend around $982 every year on car insurance. Today, we pay an average of 8% more than we did 5 years ago. These figures may vary depending on the type of coverage chosen, though. Each state requires different types of minimum coverage that you must comply with.

  • How much does the average car insurance increase when adding a new teen driver?
    On average, a new teen driver increases a family's car insurance policy to $2,474 from $982. This is a 152% increase. Keep in mind that this only takes into consideration adding a teen driver. If you were to secure your teen his own policy, it would could as much as 2 times the cost of adding him/her to your policy.

  • How much on average does car insurance decrease as teens age?
    As teens gain experience, they get to take advantage of lower car insurance rates. Again, keeping a teen on a parent's policy saves the most money. 17-year-olds save an average of $467 per year on their own policy. An 18-year-old saves an average of $374 per year and a 19-year-old saves around $970 per year.

    19 years old is the "magic" age when teens have around 3 years of experience under their belt. This decreases the risk of car accidents and lowers an insurance company's risk.

  • How does the average cost of insurance premiums change as you enter adulthood?
    Young adults leaving the teen years behind pay an average of $1,945 for car insurance at the age of 20. The exact amount depends on the amount of the chosen deductible and the type of coverage chosen. As they enter young adulthood, they lose some discounts, such as the "good student discount" and "student away" discount. But there are other discounts they can soon take advantage of, including the multiple policy discount.

    Tip: Many insurance companies give a good student discount for high school and college students maintaining a 3.0 GPA.

    The student away discount lowers a teen's insurance premium if they go away to college and do not bring a car.

  • How much more does it cost men on average for car insurance than women?
    Men pay an average of $60 per year more than women for car insurance. This might not seem significant, but over a 10-year period, that's $600 more than women pay for the same insurance.

  • What is the average difference in insurance premiums between married and single drivers?
    One of the benefits of being married is saving money on your car insurance. Married drivers save an average of $9 per month on their insurance. This means $108 per year and more than $1,000 over 10 years.

Average Cost of Health Insurance

Looking at both group and marketplace insurance, individuals pay an average of $464 per month and families pay an average of $1,266 per month. Deductibles average $2,903 for an individual and $5,739 for a family.

  • What is the average cost of an HMO policy versus a PPO policy?
    PPO policies tend to cost individuals 3.4% more than HMO policies. Families pay an average of $5.7% more for the PPO.

    On average, individuals pay $548 per month for an HMO and $567 per month for a PPO. Families pay an average of $1,498 for an HMO policy and $1,584 for a PPO plan.

  • How does the average cost of health insurance differ for singles and married couples?
    The average single male pays $310 per month for health insurance on the exchange market, but the average woman spends around $332 per month. Married couples follow the same path, as they pay an average of $717 per month on the exchange market.

  • What is the average cost of insurance on the exchange versus employer-sponsored insurance?
    The average individual on employer-sponsored health insurance pays $536 per month for insurance. In comparison, on the exchange, individuals pay around $393 per month.

    On average, employer-sponsored insurance costs families 48% more than exchange policies. Families pay $1,512 for an employer-sponsored plan and $1,021 for a policy on the exchange.

    Determining which policy is the most affordable depends on the deductible and type of coverage. A lower premium doesn't always mean a more affordable policy.

Average Cost of Dental Insurance

Dental insurance costs the average person just around $30 per month and the average family around $56 per month for group coverage. Individual policies are a little more expensive, though. Individuals pay around $45 per month and families pay an average of $71 per month for individual dental insurance.

  • How much does the average dental policy cover per year?
    Dental policies often don't cover 100% of the cost of necessary dental work. The average PPO dental plan covers a maximum of $1,500 per year. However, less than 1 in 10 people hit the annual maximum for the dental insurance.

  • What is the average out-of-pocket expense for dental work?
    The average dental policy covers 80% of basic dental work and 50% of major work. This excludes preventative dental work, such as cleanings, which is often covered 100%.

    A simple tooth extraction is considered "basic" dental work. The average total cost is $293. At 80% coverage, the average person pays $59. A root canal may also be considered "basic" work. The aveage cost is $300, leaving the average person with $60 to pay out of pocket.

    Major dental work, such as a dental crown, costs around $1,675. At 50% coverage, this means the average person pays $837.50.

  • How does the cost of dental work affect the average person's dental care?
    Just over half of Americans see the dentist regularly. More than 20% of the population hasn't seen the dentist for a few years. Of those who don't visit the dentist, at least 60% of them skip it because of the high cost of dental care.

Average Cost of Life Insurance

Non-smokers with a $500,000 term life insurance policy pay an average of $2,037 annually for life insurance. Smokers with the same policy pay an average of $7,313 per year.

  • How does the average cost of life insurance change as you age?
    It pays to obtain life insurance early. People who secure life insurance at the age of 35 pay an average of $159 per year for a 20-year term life insurance policy worth $250,000. A 50-year-old pays an average of 65% more for the same policy, just because of the older age. A person who waits until they are 60 years old pays as much as 86% more for the same policy.

  • How much does the cost of life insurance increase for smokers?
    Smokers pay an average of 250% more for life insurance than non-smokers. Insurance companies do not consider a person a non-smoker until they have not smoked for at least 12 months.

  • What common medical conditions affect life insurance premiums?
    Life insurance companies base the premiums on the health of the person or the likelihood of them dying within the term of the policy. People with high cholesterol or blood pressure are a higher risk. Life insurance usually costs people with these health issues 50% more in premiums.

Average Cost of Homeowners insurance

The average person pays $3.50 per $1,000 of a home's value. A $500,000 home costs an average of $1,750 in homeowners insurance each year.

  • How much does an average claim increase your homeowners insurance premium?
    The average insurance company raises a person's premiums 9% after one claim. How much you pay depends on your location. Residents of Wyoming pay as much as 32% more in premiums after a claim. However, residents of Texas rarely see an increase after just one claim.

  • Which state has the highest and lowest homeowners insurance premiums?
    Florida residents have the unfortunate luck of paying the highest homeowners insurance premiums. However, they are also the state that boasts 13% of the nation's largest losses.

    Oregon residents luck out with the lowest homeowners insurance premiums. Their premiums are as much as 71% less than Florida's premiums.

  • What are the top ways to decrease your homeowners insurance premiums?
    The best way to decrease your homeowners insurance premiums is loyalty. Stay as long as five years with the same company and you'll receive an average 5% discount. Stay even longer and you could save an average of 10%.

    Loyalty isn't the only way to get a discount, though. Buying all of your insurance policies from one company can save you an average of 16% on your premiums. Auto insurance and homeowners insurance from the same company offer the largest savings of 16%.

    Lastly, beefing up your home's security can decrease your insurance premiums as much as 20%. The more frequently your system is monitored, the higher your discount.

  • What is the average cost of flood insurance added to a homeowners policy?
    Flood insurance is a separate policy from your homeowners insurance. Residents in a flood zone pay an average of $700 per year for the policy. Not everyone must buy this insurance, though. Just about 12% of homeowners in the U.S. have it. The premiums range from the highest premium in Rhode Island with $1,200 per year premiums and Maryland with $129 per year premiums.

Average Cost of Renters Insurance

Renters insurance isn't required, but it can be helpful. At just $190 per year, it can give you the peace of mind you need in the face of disaster.

You pay a premium based on the contents you have inside your home or apartment. The more belongings you have, the higher your premium. The size of the rental space also plays a role, as a larger space gives way to more injuries and potential liabilities.

  • Which states have the highest and lowest average renters insurance premiums?
    The highest renters insurance premiums are found in Mississippi. Even though we say the "highest," it's still just $262 per year. This is $1,488 less per year than homeowners insurance.

    You'll find the lowest renters insurance premiums in North Dakota. There, residents pay an average of $114 per year.

  • Does owning a pet increase renters insurance?
    Renters insurance often doesn't cover damages caused by a pet. The breed and your state of residence determine if you need a separate rider, which will increase your premium. Talk to your agent about the specifics of your state and the type of dog you have to make sure you are covered.

  • Is there a limit for personal loss on a renters policy?
    Don't make the mistake of assuming all of your personal belongings are covered on your renters insurance. If you have valuables, make sure you let the agent know. You may need a separate rider on those items to make sure you receive enough coverage should you need it.

Bottom Line

No matter the type of insurance you need, make sure you shop around. The averages can give you a guide, but your individual situation determines your actual premium.

Sources and References:

Average Cost of Insurance appeared first on CreditDonkey

Five Star Bank Checking Account Bonus: $250 Promotion (New York Only) *In-Branch*

by Howard Young @ Bank Checking Savings

Are you interested in making free money? Five Star Bank is currently offering qualified residents of New York a $250 bonus when you apply and qualify for a new Premier Checking Account by April 30, 2018. To get started, you must open a new account in-branch. For those who are not familiar with the current promotion, you... Keep Reading↠

The post Five Star Bank Checking Account Bonus: $250 Promotion (New York Only) *In-Branch* appeared first on Bank Checking Savings.

Earn up to $600 Cash Bonus with TD Ameritrade Brokerage

by CashBonusMoney @ Cash Bonus Money

TD Ameritrade Brokerage has a new cash bonus promotion for new customers to earn up to $600 cash bonus money. You will need to open a new online brokerage or retirement investment by September 30, 2017 and enable you to trade free for 60 days The TD Ameritrade $600 Cash Bonus Promotion requires you open […]

Earn An Easy $250 Checking Account Bonus In The Midwest

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Talmer Bank is offering a $250 checking account bonus to savers in Michigan, Ohio, Illinois, Indiana and Nevada.

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. […]

Re: Saving the family house

by @ The Money Mustache Community

If you proceed with this (which it looks like you will), then you may as well kiss the $50k goodbye, the full $108k if you co-sign for a refi. Setting aside all concerns about their money management skills, if the number of adults living there couldn't...

New Checking Account Is Savings Worthy

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Boston-based Radius Bank is billing its new Hybrid account as a cross between a savings account and a checking account.

Chase Business $300 Coupon – No Direct Deposit (Direct Working Link)

by Vicky Huang @ Rebates Money

Chase is offering business owners nationwide the chance to earn a $300 bonus when you sign up and open a new Chase Business Checking® account by February 22, 2018. To qualify for this generous offer, all you would need to do is head on over to your local branch and deposit $1,000 in new money within 10 business days […]

Use This Checklist to Get a Financial Life

by Jackie Cohen @ Everybody Loves Your Money

How strong is your financial life? Find out by seeing how many of the following items you have in place — go through and check off the ones you already have. [] Written Goals – Writing your financial goals will provide clarity and direction for your entire financial plan. [] Net Worth Analysis – Your net worth is the difference between the total value of your assets and the total balance of your

The post Use This Checklist to Get a Financial Life appeared first on Everybody Loves Your Money.

Debt Consolidation vs. Debt Management: Which Strategy Is Right for You?

by Ben Luthi @ Student Loan Hero

If you’re drowning in debt, you might be feeling a sense of helplessness. You’re not alone. U.S. households carry an average of $110,095 in debt, according to data from the Federal Reserve and U.S. Census Bureau. Your borrowing options are probably limited because of how much debt you have, and your credit is likely suffering. […]

The post Debt Consolidation vs. Debt Management: Which Strategy Is Right for You? appeared first on Student Loan Hero.

Wells Fargo Cash Wise Visa Card Bonus

by Tom Andrew @ Rebates Money

The Wells Fargo Cash Wise Visa Card is a credit card that provides many benefits to the customer when they choose to apply. Not only it gives you cash back and rewards, there are many features this credit card will provide.  When applying for the Wells Fargo Credit Card, annual fees aren’t required. According to […]

How Much Interest Would You Earn on a Million Dollars?

by Jeff Gitlen @ LendEDU

“If only I had a million dollars in the bank.” Who hasn’t pondered that at one time or another? But have you ever wondered how much interest one million dollars earns per year? Interest rates on savings vehicles are currently still pretty low – ranging from a paltry 0.01 percent in a bank savings account […]

The post How Much Interest Would You Earn on a Million Dollars? appeared first on LendEDU.

Up to $500 for Opening Chase Checking and Savings Accounts

Up to $500 for Opening Chase Checking and Savings Accounts


The Points Guy

For a limited time, Chase is giving up to $500 in bonuses when you open new checking and savings accounts.

Compound Interest Money Market Calculator

by interestguru @ Top Online Savings Accounts & Money Market Rates 2017

>> Click here to compare today’s top savings and money market rates << Check out today’s top online savings and money market account rates. Finding out how much money you could make from an investment can help you find the best savings rates and choose an account that will yield the highest return. Using a money […]

You Don’t Have to Overpay for Your First Home

by Holden Lewis @ NerdWallet

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

Saving Money On Investment Fees

by interestguru @ Top Online Savings Accounts & Money Market Rates 2017

We all want to invest wisely to have plenty of money set aside for retirement. If you are planning to invest your money for retirement, it is important that you know where to put the money and to ensure that you are investing a good amount so that you can get the best returns. There […]

How Can You Save on Your Electrical Bill?

by Chris Ceballos @ BrightStar Credit Union

Living in Florida has its benefits. You never have to shovel mountains of snow; you never pay an individual state […]

Life Insurance Living Benefits Rider

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

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

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

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

Best Tips To Save Money When Shopping

by Susan Paige @ Everybody Loves Your Money

Shopping for groceries and other household items make up a large portion of your monthly budget. It is simply inevitable; living in a consumer society means we have to take part in the endless cycle of earning money and spending it afterward to survive. However, not all shoppers are created equal; some actually know how to shop wisely to get more mileage out of their

The post Best Tips To Save Money When Shopping appeared first on Everybody Loves Your Money.

$5 back per Uber ride, $60 back on $60 in winter clothes with Sears ShopYourWay

$5 back per Uber ride, $60 back on $60 in winter clothes with Sears ShopYourWay

by Nick Reyes @ Frequent Miler

Three nice Sears ShopYourWay points promotions have popped up today: one promotion awards $5 in ShopYourWay points with every Uber ride over the next few days. The other two promotions are unrelated to travel but may also be of interest: buy $60 in winter clothes and get $60 in ShopYourWay points. Deal #1) Shop Your Way & Uber The Deal Earn $5 in Sears ShopYourWay Cashback for every Uber ride from February 13-15 Must first link your ShopYourWay…

The post $5 back per Uber ride, $60 back on $60 in winter clothes with Sears ShopYourWay appeared first on Frequent Miler.

Press Release: 44% of Parents Feel Guilty They Haven’t Saved More for Kids’ College

by SLH Staff @ Student Loan Hero

“A new survey by Student Loan Hero finds more than 57% of parents have saved less than $10,000” Austin, Texas, Feb. 13, 2018 — 44% of parents who are currently saving for family college costs reported feeling guilty that they haven’t stashed away more to date, according to a new survey from Student Loan Hero. […]

The post Press Release: 44% of Parents Feel Guilty They Haven’t Saved More for Kids’ College appeared first on Student Loan Hero.

Clever Ways To Save Money on Wrapping Paper

by Jackie Cohen @ Everybody Loves Your Money

Your holiday gift giving becomes more budget friendly if you simply scale back on wrapping paper. The savings can be really significant if you have a lot of recipients on your giving list — and it may feel better than having to cut back on what you spend per present. Reuse Gift Wrap For starters, get in the habit of trying to save the wrapping

The post Clever Ways To Save Money on Wrapping Paper appeared first on Everybody Loves Your Money.

Best Personal Checking Account Promotions in 2017 - The Simple Dollar

Best Personal Checking Account Promotions in 2017 - The Simple Dollar


The Simple Dollar

If you need a new checking account, banks from coast to coast are offering attractive promotional bonuses to lure your business. A bank checking account bo

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.

How to Refinance Small Business Loans

by Jeff Gitlen @ LendEDU

These days it's rare to find a small business that hasn’t taken on some form of debt to get started or get to the next level. Financing is almost a necessity at some point, and in many cases, a business obtains it under less than favorable circumstances. Small businesses that don’t have an extensive credit […]

The post How to Refinance Small Business Loans appeared first on LendEDU.

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PNC


PNC

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

United MileagePlus Explorer Card 50,000 Bonus Miles + $100 Statement Credit + 5,000 Bonus Miles When You Add an Authorized User + 2X Miles on United Airlines

by Anthony Nguyen @ Bank Deal Guy

When you open a United MileagePlus Explorer Card, you will earn 50,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, as a travel benefit, you’ll receive 2 United Club passes each year for your cardmember anniversary – over a $100 value. To top it all off, you can get a... Read More →

The post United MileagePlus Explorer Card 50,000 Bonus Miles + $100 Statement Credit + 5,000 Bonus Miles When You Add an Authorized User + 2X Miles on United Airlines appeared first on Bank Deal Guy.

Santander Has A Checking Account Bonus You Keep Earning, Month After Month

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Most big banks offer a single cash bonus when you open a new checking account. But Santander will pay you up to $20 every month for opening an extra20 Checking and extra20 Savings account.

Do Student Loan Borrowers Understand Loan Fees? | LendEDU – NASFAA Collaborative Study

by Mike Brown @ LendEDU

Even though student loan debt has climbed to an all-time high in the United States- with over $1.45 trillion outstanding - Americans somehow still have a limited grasp of the industry. A LendEDU poll of student loan borrowers, a cohort that should know the subject very well, found that half of them believed their student loans would be forgiven. In reality, a very small portion […]

The post Do Student Loan Borrowers Understand Loan Fees? | LendEDU – NASFAA Collaborative Study appeared first on LendEDU.

Quotacy Review 2018 | The Easiest Way to Shop for Life Insurance

by Jacob Lumby @ Cash Cow Couple

Each year, LIMRA surveys a few thousand people throughout the country to estimate consumer trends and perceptions regarding life insurance. This annual survey provides a wealth of information about the life insurance purchase decision made by the average American. The recent 2017 study highlights several important trends: 1) Knowledge doesn’t always lead to action 85% …

Quotacy Review 2018 | The Easiest Way to Shop for Life InsuranceRead More »

The post Quotacy Review 2018 | The Easiest Way to Shop for Life Insurance appeared first on Cash Cow Couple.

Reward Checking Account Pays Iowa Savers 3.3% On Up To $25,000

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

State Savings Bank is offering savers to the west and northeast of Des Moines one of the top-paying reward checking accounts in the country.

Chase Total Checking Coupon Code

by Anthony Nguyen @ Bank Deal Guy

The Chase Total Checking® account is Chase Bank’s most popular checking account, and one of the best checking accounts among all major banks. It’s also the most simple checking account offered by Chase and it’s very easy to use! Some great features that you can expect are online banking, bill pay, mobile banking services, plus... Read More →

The post Chase Total Checking Coupon Code appeared first on Bank Deal Guy.

Hip Replacement Surgery Cost and How to Finance It

by Jeff Gitlen @ LendEDU

If you've been suffering for years with hip pain and have run out of treatment options, your doctor may suggest hip replacement surgery. During the procedure, the hip joint is removed and replaced with an artificial joint made from plastic and metal components. Hip replacement surgery is invasive and requires four days in the hospital, […]

The post Hip Replacement Surgery Cost and How to Finance It appeared first on LendEDU.

Huntington Relationship Savings $150 Bonus

by Tom Andrew @ Rebates Money

Huntington provides the most benefits whenever it comes to opening up a savings account for adults, families and even students. At Huntington, if customers are able to open up a new savings account right before December 4, 2017, they are offered tons of benefits from cash back rewards up to $150 with a deposit of […]

Chase Business Checking Account $200 Banking Bonus

by MM Team @ Banking Bonuses – Maximizing Money

There is a brand-new offer for a $200 bonus when you open a Chase Total Business Checking account (or any Chase business checking account), deposit $1,000 within 10 business days of account opening, maintain that $1,000 balance for 60 days, and complete 5 qualifying transactions within 60 days, including debit card purchases, Chase QuickDeposit, ACH (credits), and wires (credits and debits). [Read More] Chase Business Checking Account $200 Banking Bonus

The post Chase Business Checking Account $200 Banking Bonus appeared first on Maximizing Money.

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 […]

Collect An ‘Easy’ $150 Checking Bonus

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Savers in 19 states from from Missouri to California can open a new checking account at Bank of the West and roundup a bonus of up to $150.

Personal Loans in Tennessee: Companies, Consumer Protections, & Facts

by Jeff Gitlen @ LendEDU

Personal loans offer a method to finance some of life’s larger expenses, as well as help consolidate higher interest rate debt in certain circumstances. Nearly all personal loans in Tennessee provide a lump sum upfront, which borrowers repay over a set period of time, plus interest. This can be more cost effective than using a […]

The post Personal Loans in Tennessee: Companies, Consumer Protections, & Facts appeared first on LendEDU.

Safest Places to Live in Alaska ( 2017 Updated ! )

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

Alaska is a state located at the northwest extremity of the North American continent. It borders Canadian provinces British Columbia and Yukon, as well as Russia (maritime border). It is also bordered by the Arctic ocean and the Pacific Ocean. Alaska is the largest state by area, but also the least densely populated and the ...

The post Safest Places to Live in Alaska ( 2017 Updated ! ) appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

Goldman Sachs Eyes Buying Personal Finance Startup Clarity

by Mike Brown @ LendEDU

Goldman Sachs, whose building (left) highlights the Jersey City skyline, is in talks to buy personal finance startup Clarity Money. Insiders say Goldman Sachs Group Inc. is eyeing the possibility of buying Clarity Money, a personal finance startup. Those unidentified sources said Goldman Sachs intends to mesh it with Marcus, its online personal loan lender.Although a […]

The post Goldman Sachs Eyes Buying Personal Finance Startup Clarity appeared first on LendEDU.

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 […]

10 Tips to Find Legit Loans Online

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

Legit Online Loan Companies Company Loan Features Amount Rating 1) PersonalLoans Apply Now APR: 5.99% – 35.99% Loan Term: 36-60 months Min. Credit Score: 0 Loans For Any Purpose Up to $35,000 2) Prosper Apply Now APR: 5.32% to 35.97% Loan Term: 36-60 months Min. Credit Score: 0 Loans For Any Purpose Up to $35,000 ...

The post 10 Tips to Find Legit Loans Online appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

Delta award sale to/from Seattle and Portland

Delta award sale to/from Seattle and Portland

by Nick Reyes @ Frequent Miler

Delta is offering an award ticket flash sale sale on flights to and from Seattle and Portland. Round trip flights are advertised to start from 12,000 miles round trip — though some routes are even cheaper. The Deal Delta flash sale on flights to and from Seattle and Portland, with prices from 12,000 miles round trip. Direct link to the promotion landing page Key Terms Must book by 11:59pm ET February 14th, 2018 Valid for travel between April 15 and June 9,…

The post Delta award sale to/from Seattle and Portland appeared first on Frequent Miler.

Banks Will Pay You Up to $400 Just for Opening a Checking Account

Banks Will Pay You Up to $400 Just for Opening a Checking Account


MONEY.com

But you'll have to jump though a lot of hoops to get the cash.

As an Authorized User, Can I Open My Own Account for the Same Card?

As an Authorized User, Can I Open My Own Account for the Same Card?

by Brendan Dorsey @ The Points Guy

“Reader Questions” are now answered twice a week — Tuesdays and Thursdays — by TPG Assistant Editor Brendan Dorsey. Brendan has been with TPG for a year and a half and hails from Northern California. After being an authorized user on someone’s credit card account, you may be considering an account of your own. Maybe …

Accelerated Death Benefit Rider

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

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

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

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

Key Bank Offers Checking Account Bonus

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

If you're ready to rely on digital banking, KeyBank will pay you $200 to open a checkless checking account with no monthly fees or minimum balance requirements.

Book Fast: 1 Night In Seattle + 10,000 IHG Rewards Club Points For $73

Book Fast: 1 Night In Seattle + 10,000 IHG Rewards Club Points For $73

by Stephen Pepper @ Frequent Miler

We wrote this morning about a Kimpton deal offering 10,000 IHG Rewards Club points. There’s a great way to maximize that deal thanks to an extremely low room rate at the Kimpton Hotel Vintage Seattle. The Deal Book the Kimpton Hotel Vintage Seattle on March 4, 2018. Lowest rate is currently $48.02; with taxes and fees, the total is $72.85. Quick Thoughts Extreme Hotel Deals is the one who found the deal and notes the…

The post Book Fast: 1 Night In Seattle + 10,000 IHG Rewards Club Points For $73 appeared first on Frequent Miler.

Chase Freedom Credit Card $150 Bonus + 5% Quarterly Cash Back + No Annual Fee

by Anthony Nguyen @ Bank Deal Guy

Compare this card with other cash back cards here. With the Chase Freedom® Card, you can earn a $150 bonus after you spend $500 on purchases during your first 3 months of opening an account! Additionally, you can enjoy a 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited... Read More →

The post Chase Freedom Credit Card $150 Bonus + 5% Quarterly Cash Back + No Annual Fee appeared first on Bank Deal Guy.

How to Get Free or Cheap Flu Shots

by Jim Wang @ Wallet Hacks

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

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

Get $300 with Huntington Bank

by Tom Andrew @ Rebates Money

Are you a new business owner looking to open up a Business Checking Account?   Huntington Bank is offering $300 for business owners that open a Huntington Fast Track Business Checking Account and deposit at least $5,000 within the first 60 days of opening their account with their coupon during the promotional time period of January […]

Chase Bank $200 Checking Bonus [Many States]

by Danny Nguyen @ Bank Deal Guy

Ranking as one of the top banks in America, you are making the right choice banking with Chase! Opening a new Chase Total Checking® Account offers you the potential to earn a $200 Checking Bonus by applying in-branch ! With over 5,100 branches in AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, KY, LA, MA,... Read More →

The post Chase Bank $200 Checking Bonus [Many States] appeared first on Bank Deal Guy.

Self Lender Review: Is It Good?

by feedback@creditdonkey.com (Kim P) @ CreditDonkey

Self Lender promises to help you build credit. But is it legit? Read this review to learn how it works.

If you don't have a credit history, creditors probably won't give you a chance. How can you build credit without someone giving you a break?

Enter Self Lender - a credit monitoring and credit building system that helps people with low or damaged credit increase their credit score.

Read on to see if Self Lender might be the right service for you.

What Is Self Lender?

Self Lender is a free credit monitoring system. But they also offer credit building loans. This is where they make their money.

Self Lender's credit monitoring service gives you on-demand access to your credit score. It gives you access to your credit history at all times. Self Lender also offers suggestions on how to improve your credit. They provide all of this free of cost.

However, the credit building loan is the real meat and potatoes of Self Lender. They provide loans regardless of your credit score. The main purpose of the loan is to build or improve a low credit score. In other words, they give you a chance no matter how many other lenders turned you down.

How Self Lender Works

The Self Lender loan isn't your typical loan. Think of it like a loan in reverse. You don't receive the proceeds from the loan upfront. Instead, it's placed in a Certificate of Deposit for you. The maturity date equals the term of the loan.

You then make payments over the course of the term of the loan (12 to 24 months). Your payments are both principal and interest. At the end of the term, the CD matures. You receive the principal, plus the small amount of interest it gained during that time.

As you make payments, Self Lender reports them to Experian, Equifax, and TransUnion. If you make your payments on time, this will help build up your credit score.

Some people think of it like a forced savings program. In order to receive the savings, you have to make timely loan payments. At the end of the term, you will receive the principal amount paid for the loan.

Who Benefits from Self Lender?

Self Lender is ideal for people who have little to no credit. If you've ever tried to apply for credit only to be turned down because you don't have any credit, you are a good candidate. How are you supposed to prove you are credit worthy if no one will extend credit?

This is where Self Lender helps the most. They don't pull your credit to determine eligibility.

It can also be a good option for those with damaged credit. With a poor credit history, many creditors will turn you down for new credit. Without new credit, it's nearly impossible to rectify your score. Self Lender can help by providing you with the credit building loan.

Before you jump on board though, make sure you meet the following requirements:

  • You are at least 18-years old
  • You have a valid bank account
  • You can afford the monthly payments that vary between $25 - $194 per month
  • You could benefit from a forced-savings account

Opening an Account and What It Costs

Opening a Self Lender account takes about five minutes. They need the following information:

  • Name
  • Address
  • Social Security number
  • Date of birth
  • Amount of income

Once you provide this information, Self Lender runs a check on ChexSystems. Similar to running your credit, this system checks your bank account history. This keeps an eye on how you treat your bank accounts. They look for overdrafts and bad checks. However, unless you let your overdrafts sit unpaid, you should be in good shape.

If your ChexSystems report comes back clean, Self Lender will ask you which loan amount you want from a predetermined list of options:

  • $525 ($25 paid over 24 months)
  • $545 ($48 paid over 12 months)
  • $1,000 ($89 monthly payment over 12 months)
  • $2,200 ($194 monthly payment over 12 months)

You then enter your payment information. You can use a checking account or debit card. However, using a debit card will cost you an additional 2.99% plus $0.30 as a convenience fee. Using your checking account is best.

Self Lender also charges a small administrative fee based on your loan amount. It varies between $9 and $15. The fee is non-refundable, but is a one-time fee.

How the Credit Builder Loan Helps

The moment you take out the Credit Builder Loan, you have a FDIC-insured Certificate of Deposit opened in your name. Like any other CD, you cannot touch the money until it reaches maturity. In this case, it's 12 or 24 months.

The bank deposits the full amount in the CD, allowing it to earn 0.10% interest over the next 12-24 months. While the interest is really peanuts, the real benefit lies in the payments you make towards the loan.

As long as you make each loan payment on time, Self Lender reports the timely payments to the credit bureaus. According to Self Lender, on average clients with the standard $1,100 loan and timely payments see their credit score increase as much as 45 points in just 6 months.

This only works, however, if all aspects of your credit are in line. For example, if you have a credit card with another company that you let default, your credit score will fall. This is independent of what the Credit Builder loan can do for you. It's up to you how you handle all aspects of your credit profile.

Tip: It's best if you do not pay the Credit Builder Loan early. The main benefit is the timely payments reported to the credit bureau. If you pay it off early, you negate the benefits of the loan. Plus, you cannot touch the CD until maturity or you risk paying a penalty.

Pros and Cons of Self Lender

As with any financial product, there are pros and cons of Self Lender.

Pros

  • All payments are reported to the credit bureau to help you build a credit profile.
  • You have a "forced" savings account.
  • You don't need a credit check to get approved.
  • The upfront administrative fee is affordable.
  • The interest rate is often less than that of a credit card.
  • An installment loan may diversify your credit mix, which further helps your credit score.

Cons

  • If you have a negative history with bank accounts, you may not qualify.
  • Late payments are reported to the credit bureaus and could damage your credit.
  • It costs you 5% per monthly payment if you miss the grace period of 15 days.
  • The interest earned on the CD is next to nothing.
  • You have to pay to take out the loan versus other free ways to build credit.

How It Compares to Other Options to Build Credit

Self Lender isn't the only way consumers with thin or damaged credit can build credit.

  • Secured credit card: This option isn't free upfront, but it can be if handled correctly. Your credit line equals your deposit. You can find secured credit cards that require as little as $200 deposited. If you pay the balance off each month, you don't pay any interest. You can also get your deposit back if you upgrade or close your account.

  • Co-signer on a loan: If you have a willing co-signer for a loan, you may be able to get approved for a standard credit card or installment loan.

  • Authorized user: Ask to become an authorized user on a parent, sibling, or other close relative's credit card. Make sure you ask the credit card company beforehand if they report payment history for authorized users, though.

Bottom Line

If you've exhausted all other "free" options to build credit, Self Lender can be helpful. If you don't have anyone who can co-sign a loan or make you an authorized user, you have two options: a secured credit card or Self Lender. If you don't have the money to open a secured credit card, Self Lender may offer the lower cost way to build your credit.

Make sure before you take this option that you can afford the monthly payments. Paying for a loan that you will only pay late will damage your credit score and cost you money. When taken responsibly, though, the service can help you improve your score in a short amount of time.

Self Lender Review: Is It Good? appeared first on CreditDonkey

What’s Open on New Year’s Day?

by Jackie Cohen @ Everybody Loves Your Money

New Year’s Day is a great time to go out because there are usually fewer people than on other holidays, thanks to so many being home with hangovers.  Below is a rundown of what’s open on New Year’s Day, starting with restaurants and then a few stores. Depending on where you live, there may be locally-owned eateries that are also open. Try looking in your

The post What’s Open on New Year’s Day? appeared first on Everybody Loves Your Money.

Kidnapping Statistics

by feedback@creditdonkey.com (Kim Pinnelli) @ CreditDonkey

Every 40 seconds a child goes missing somewhere in the United States. There are more than 460,000 missing children each year. Of those missing children, almost 1,500 of them are kidnapped.

Keep reading to learn more about the staggering statistics of missing children and kidnapping.

The Staggering Statistics

  • How many kids are kidnapped each year?
    There are approximately 1,435 kidnappings each year. This number is an estimate, however, as not every case gets reported, especially as it pertains to family member abductions.

  • How many kids are kidnapped by family members?
    A family abduction is the taking or concealing of a child under the age of 17 against the person’s legal rights. Family members abduct children in 1,230 of the total kidnapping cases.

  • How many kids are kidnapped by strangers?
    A stranger abduction, also known as a non-family abduction, is the result of a stranger taking or luring a child under the age of 17. Of the 1,435 kidnappings per year, 205 were non-family abductions.

  • What is the most common age group of traditional stranger kidnappings?
    Females aged 12-17 were the most commonly abducted group. Among those females, a majority of them did not live with two parents (either biological or adopted).

  • How many children abducted by strangers make it home safely?
    90% of children abducted by strangers make it home safe and sound.

  • What is the most common age of an abducted child?
    Children aged 12 and over are the victims of kidnapping in more than 80% of the cases. Teen behavior and irresponsibility are often considered the culprit before officials consider abduction. This is not the case for children aged 12 and under. A younger child who has gone missing often prompts quicker action.

Missing Children

  • How many children are reported missing each year?
    In 2016, 465,676 children were reported missing to the authorities. During the same year, there were a total of 647,435 missing people.

  • What percentage of reported missing children are not actually abducted?
    In almost 90% of the reported missing children cases, abduction is not the issue. It’s often due to miscommunication, getting lost, or children running away.

  • How many Amber Alerts are issued each year?
    In 2016, 179 Amber Alerts were issued. The alerts involved 231 kids. Amber Alerts are issued if a child under the age of 17 is believed to have been abducted and is suspected to be in immediate danger of injury or even death.

  • How many Amber Alerts turn out to be a hoax?
    In 2016, there were eight “hoax” Amber Alert cases. This means either the parents falsely reported the child missing or the child reported his disappearance in an attempt to throw off law enforcement professionals.

Runaways

  • How many children run away each year?
    As many as 2.8 million teens run away from home each year. The typical age of runaways is between the ages of 10 and 18.

  • What percentage of runaways are female?
    More than ¾ of the teen runaways are female. Of the female runaways who remain homeless, as many as 20% of them end up homeless and pregnant.

  • What percentage of teen runaways left due to physical abuse?
    Almost half of the teen runaways left home due to some type of physical abuse, either from their own family or in the foster care system.

  • What percentage of teen runaways left due to sexual abuse?
    As many as 17% of teen runaways ran away due to unwanted sexual activity from a family member, either in their household or extended family.

Defining Child Abduction

  • What is the definition of child abduction?
    Anyone who wrongfully removes, retains, or conceals a child commits abduction. It can occur with the use of force, such as in the traditional method of kidnapping, or through the use of luring or persuasion.

  • What is the definition of family abduction?
    A family member who takes a child against their will commits a family abduction. The child generally knows the perpetrator well, but does not willingly go with the person.

  • How does a parent kidnap their own child?
    If a child under court-ordered custody orders is taken by another parent, it is considered parental abduction. This goes beyond a custody battle and becomes a legal issue for the accused parent.

  • What is the “typical” abduction?
    When most people think of abduction, they think of a stranger abduction. The victim generally does not know the perpetrator at all. The kidnapper violently attacks, takes, or lures the child into their custody. In a majority of cases, this occurs within ¼-mile of the child’s home.

Today’s technology of cellphones and internet usage has made it much easier to keep track of children and get them home safely. Of course, no child or adult, for that matter, is ever out of danger. Constantly educating your children and staying aware of their surroundings can help keep your children safe with you, where they belong.

Sources and References:

Kidnapping Statistics appeared first on CreditDonkey

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 […]

6 Confusing Things About Your Credit Report

by Chris Ceballos @ BrightStar Credit Union

If you’re not used to reading them, credit reports can make about as much sense as a restaurant menu printed […]

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

by Jeff Rose @ Good Financial Cents

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

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

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.

Cashback Checking | Online Checking Account | Discover

Cashback Checking | Online Checking Account | Discover


Discover Bank

Online checking accounts from Discover Bank, Member FDIC offer no monthly fees or balance requirements. Open a Discover Cashback Checking� account today.

4 Reasons I’ve Outgrown the W Hotel Brand

4 Reasons I’ve Outgrown the W Hotel Brand

by The Points Guy @ The Points Guy

I’ve always been a Starwood fan and have spent many years staying in properties from its different brands — I’m even a Lifetime Platinum member. The St. Regis is luxury (almost) perfected, and I always enjoy a solid Westin or Le Meridien stay. Even Sheraton has surprised me recently — Starwood seems to be upgrading the …

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.

LifeLock Review: Is It Worth It?

by feedback@creditdonkey.com (Kim P) @ CreditDonkey

Protecting yourself against identity theft seems like it's worth its weight in gold. Do you really get as much protection as you think with services like LifeLock? Find out below.

Last year more than 143 million people had their personal information exposed during the Equifax hack. This demonstrates just one of the thousands of security breaches that happen each year. LifeLock claims to protect your identity from these types of incidents beyond what a basic credit freeze offers.

LifeLock claims to monitor more than just your credit. They monitor the dark web, unauthorized address changes, online scams, and public records. The depth of the monitoring you get depends on the chosen plan. LifeLock also offers identity theft restoration services and 24-hour customer service.

With a LifeLock membership, you can monitor one driver's license number and Social Security number. But you can monitor up to 10 credit cards and/or bank accounts. You may also enter up to five home addresses, email addresses, and phone numbers.

Who Is LifeLock Best For?

  • If you are at high risk for identity theft: Consumers who aren't proactive in their attempts to protect identity theft may benefit from the service. While LifeLock can't prevent identity theft, it can alert members of a breach. Think of it like an alarm system. The crime has been committed, but now you can attempt to minimize the damages.

  • If you don't know how to recover from identity theft: Identity theft is overwhelming. Victims must take several steps to stop the perpetrator from doing more damage. There could also be damages that must be undone, such as unauthorized accounts opened in their name or fraudulent use of medical insurance/benefits. LifeLock's bread and butter is their restoration services, helping victims put their lives back together.

  • If you don't regularly check your credit and/or financial accounts: Checking your credit reports, monitoring bank statements, and watching your credit card accounts is time-consuming. If you aren't vigilant about watching these accounts, LifeLock may give you a little peace of mind knowing you may receive an alert if something is amiss.

Why We Like LifeLock

  • Learn of a breach early: There's no foolproof way to prevent identity theft or fraud. What LifeLock offers, though, is quick notification of certain adverse actions on your accounts. This gives you the chance to try to minimize the damages before they get out of hand.

  • Restoration services help repair the damage: After you experience identity theft or fraudulent account activity, LifeLock's agents offer their services in fixing the problem. They may not be able to fix everything, but having their expertise on your side may help.

  • Reimbursement for loss funds: Each of LifeLock's plans offer coverage, similar to an insurance policy for lost or stolen funds. However, their reimbursement is subject to many restrictions, especially if another insurance policy or financial institution will cover the loss.

  • User-friendly platform and app: Members can access the LifeLock member portal on their PC, laptop, or mobile device. In the platform, members have access to their account information as well as all alerts, whether critical or non-critical. Members can view the alerts at their leisure and determine what/if anything they must do.

  • Multiple alert options: LifeLock offers several alert options to make sure you are aware of a potential situation. They offer alerts via phone, email, and text. You can also customize the alerts you receive, changing thresholds for various accounts based on your needs.

  • 24/7 customer service 365 days a year: LifeLock representatives are available for questions and concerns 24/7 every day of the year. However, any restoration services are only available during business hours.

  • Lost Wallet Protection: Losing your purse or wallet may put you at risk for identity theft and/or credit card fraud. LifeLock offers assistance in handling the tasks necessary to stop anyone from using the lost information. They include this service in all 3 plans.

  • Scans a trillion data points regularly: LifeLock claims to scan a trillion data points daily. The exact data points they scan will determine how well it protects you. However, it's likely more than you would scan yourself, and even a small bit of protection may help.

  • Monitors accounts rather than freezes them: A credit freeze prevents thieves from accessing your credit information moving forward. If you were already hacked, though, the criminals have what they need. Monitoring may help alert you of any new activity even after you freeze your credit.

Why You Might Look Elsewhere

  • Only one credit bureau monitored with the first two plans: You have to pony up and pay for the most expensive plan to get monitoring of all three credit bureaus. Since not all companies report to all three bureaus, you may not have the protection you need.

  • Limited coverage guarantee: Despite their million dollar coverage guarantee, there are many limitations. If your identity is stolen or accounts hacked into, it must be due to some failure or defect on LifeLock's behalf for the guarantee to take effect. If LifeLock did what they promised and you still got hacked, the guarantee may not apply.

  • No family plan: If you want to protect more than one family member, such as a spouse or child, you have to pay for separate plans. This could get costly depending on how many family members you want to protect.

Plans

All plans include the following:

  • Dark web monitoring
  • LifeLock Privacy Monitor
  • Notification of unauthorized address changes
  • Lost Wallet Protection
  • Alerts for Social Security number breaches

In addition to the basic features, LifeLock has three tiers to choose from:

  • LifeLock Standard: As the cheapest plan available, this plan monitors one credit bureau and provides up to $25,000 reimbursement for stolen funds.

  • LifeLock Advantage: The mid-plan still only monitors one credit bureau, but they also provide the credit score from that bureau. It also offers bank account and credit card monitoring and notifications of data breaches. LifeLock will also provide crime reports for your area and report on any fictitious identity issues.

  • LifeLock Ultimate Plus: The largest plan offered provides all of the above benefits, plus monitoring of all three credit bureaus with credit scores. You may also request monthly credit scores from one credit bureau; however, it is the Vantage 3.0 score, not FICO. You can also opt to have certain investment accounts monitored and receive alerts of bank account takeovers. LifeLock also provides priority customer service for Ultimate Plus members.

Keep in mind: LifeLock does not do business with all banks, credit card companies, or financial institutions. Their scans may miss issues with specific companies if they are not within the LifeLock network.

Customer Service

LifeLock's customer service seems to be where they shine. With accessibility around-the-clock, either on the phone or online chat, customers can ask questions and address concerns any time of day or night. If you experienced identity theft of credit card fraud, you'll need to wait until business hours to secure any restoration services, though. Chances are this is due to the representative's need for access to the bank and credit card companies that operate during business hours.

LifeLock also offers a breadth of customer service options online. Their member portal is user friendly and provides all up-to-date information about your account statuses. Their website also offers a multitude of resources that may either answer your question or help you figure out what to do next.

Customer Service Phone Number: 1-800-416-0599

How to cancel: If you obtained your LifeLock service directly from LifeLock, call 1-800-LIFELOCK (543-3562). You can also cancel via your member portal. If you obtained the service through a third-party, you must contact the third-party to cancel.

How It Compares

  • Identity Guard: With Identity Guard, you get basic identity protection with the exception of driver's license number monitoring. They offer a breadth of services that monitor what happens on your accounts, but they lack the restoration services needed to pick up the pieces. Their customer service is more of an "advice line" than professionals fixing the problem.

  • ID Shield: With ID Shield, you get a $5 million guarantee if your identity is stolen, and you can monitor up to 2 adults and 8 children on one plan. However, they only monitor one credit bureau (TransUnion), no matter which plan you choose. In the event that your identity is stolen; however, you have access to private investigators who also help you restore your identity and/or accounts.

  • IdentityForce: With IdentityForce, you get more than financial protection. They monitor social media sites, blogs, and court records too. Their most basic plan includes most everything LifeLock's most expensive plan offers. However, they do not offer a family plan.

Bottom Line

So is LifeLock worth it?

If you are willing to pay for credit monitoring because you won't do it yourself, it may give you a little more protection against identity theft. Keep in mind that there's no way to completely prevent someone from stealing all or part of your identity. If you are not proactive in keeping your passwords secure and monitoring your accounts on a regular basis, it might be worth the peace of mind to know when something is amiss.

LifeLock Review: Is It Worth It? appeared first on CreditDonkey

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.

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.

Easy Ways For You To Save Money

by interestguru @ Top Online Savings Accounts & Money Market Rates 2017

Saving money is one of the best financial decisions you can make. You want to save money for your retirement but also to save money for emergencies and short-term goals like buying a car. If you find that it can be difficult for you to save money, it helps to know what type of options […]

Don’t Let Uninvited Guests Ruin Your Interest Rate Party

by budgetqueen @ Top Online Savings Accounts & Money Market Rates 2017

Think about what you would do if you threw a large party of 100 people and nine extra guests came. Not a big deal because you probably made too much food anyway. You decide to invite the nine extra guests as regulars to the next party. The guest list is 109 people. However, at the […]

Is a Reading Retreat the Next Yoga Retreat?

Is a Reading Retreat the Next Yoga Retreat?

by Jeffrey Preis @ The Points Guy

In the past couple years, a new kind of retreat has been popping up and it doesn’t feature a spa or yoga, nor is it a creative writing getaway. Nope, it’s a reading retreat and there’s only one rule here: The reading room must be silent at all times. You don’t even have to BYOB (bring …

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.

Delta Flight Makes Emergency Landing in Nigeria, Injuries Reported From Evacuation

Delta Flight Makes Emergency Landing in Nigeria, Injuries Reported From Evacuation

by JT Genter @ The Points Guy

Tuesday night a Delta flight from Lagos, Nigeria (LOS) to Atlanta (ATL) experienced serious engine issues, requiring the crew to make an immediate emergency landing back at Lagos. The airport’s fire authorities scrambled to meet the plane once on the ground. The issue was determined to be serious enough that the crew initiated an emergency …

4 Crucial Facts About Interest Rates on Parent PLUS Loans

by Christy Rakoczy @ Student Loan Hero

Comparing student loan interest rates is important for parents who are helping fund their child’s college education. Parents who borrow loans to help their children pay for school will typically choose between Parent PLUS Loans and private student loans. Interest rates can vary widely between these products. Interest rates impact both your loan payments and […]

The post 4 Crucial Facts About Interest Rates on Parent PLUS Loans appeared first on Student Loan Hero.

How To Host a Fun Super Bowl Party Without Going Broke

by Jackie Cohen @ Everybody Loves Your Money

Football fans are spending more money on a Super Bowl party than they ever have before. But that doesn’t mean you need to step up your spending to keep up with everyone else. Here’s how to do it up without breaking the bank — so you still have money left to bet on the game if that’s how you roll. Know Who’s Coming Although most hosts

The post How To Host a Fun Super Bowl Party Without Going Broke appeared first on Everybody Loves Your Money.

13 Fun Things To Do on a Holiday or Day Off Work

by Jackie Cohen @ Everybody Loves Your Money

Whether you have an extra day off because it’s an official holiday like Martin Luther King Jr. Day (this year it falls on Monday, January 15) or you claim some form of paid time off, there’s no reason to be bored — unless you want to be. But if you don’t like having nothing to do, read on for some suggestions on how to enjoy

The post 13 Fun Things To Do on a Holiday or Day Off Work appeared first on Everybody Loves Your Money.

These 5 Gas-Saving ‘Tips’ Don’t Work

by Philip Reed @ NerdWallet

When gas prices spike, drivers love to swap gas-saving tips. The crazier the tip, the faster it seems to spread. The problem is, some such “tips” are more urban legend…

Big-City Checking Bonus Rises To $300

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Regions Bank has once again upped the ante for new checking account customers in major cities across the south.

Re: Overheard on Facebook

by @ The Money Mustache Community

I read a Reddit thread once where a surprising (to me) number of people said the...

Protected: This Week’s High Yield CD, Savings & Checking Deals

by Skyler @ Top Online Savings Accounts & Money Market Rates 2017

There is no excerpt because this is a protected post.

Can You Fund Your Business Without a Bank?

by Vanessa @ Cash Cow Couple

You already rely on bank loans for your mortgage and credit cards, so when you are ready to start your business, you are likely less than eager to look to your bank for help. Business loans through banks and similar major financial institutions are popular, but they can be difficult to acquire — especially if …

Can You Fund Your Business Without a Bank?Read More »

The post Can You Fund Your Business Without a Bank? appeared first on Cash Cow Couple.

4 Frugal Tips That Are Completely Not Worth It

by Makenzi Wood @ Wallet Hacks

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

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

Here’s How the GOP Might Finally De-Fang the CFPB

by Shen Lu @ MagnifyMoney

Update: The Consumer Financial Protection Bureau on Monday released a new five-year strategic plan, outlining a less aggressive approach to its mission of protecting consumer rights. The consumer watchdog revised its mission and vision for 2018 through 2022. Under the new mission, the CFPB will be “equally protecting the legal rights of all,” including consumers … Continue reading Here’s How the GOP Might Finally De-Fang the CFPB

The post Here’s How the GOP Might Finally De-Fang the CFPB appeared first on MagnifyMoney.

5 Ways to Cut Your Monthly Expenses

by Chris Ceballos @ BrightStar Credit Union

Do you take advantage of banks new account promotion?

Do you take advantage of banks new account promotion?


Retire by 40

Is it a good idea to take advantage of new account bonus?

Wisconsin Deal: $200 Cash And 1.1% MMA

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Wisconsin savers can score an easy $200 cash bonus by opening a checking account with First Bank Financial Centre

Metromile Insurance Review: Is It Legit?

by feedback@creditdonkey.com (Kim P) @ CreditDonkey

Low-mileage drivers have a pay-as-you-go insurance option with Metromile. Available in 7 states, your premium is based on miles driven plus a base rate.

Metromile puts traditional car insurance to the test for low-mileage drivers. The company recognizes that low-mileage drivers overpay for car insurance. Their solution is a usage-based insurance. They quote drivers a base rate that they determine based on their driving record, type of car driven, and age of the car. This is similar to how other car insurance companies calculate your rate.

The base rate is the only fixed rate. You then pay a premium based on the miles driven. Metromile tracks the miles with their Pulse device, which you place in your car. Each month, Metromile reads the device and bills you for the miles driven.

Who Is Metromile Best For?

  • Occasional drivers: Driving fewer than 10,000 miles per year can provide substantial savings on this pay-as-you-go insurance. If you drive more than 10,000 miles, though, the per mile rate can add up.

  • Tech savvy drivers: Keeping track of your miles driven, gas mileage, or time spent driving is easy with this program. If you keep the GPS activated on the device, you can track your car (ever lost a parked car?) and even get alerts when something is wrong with your vehicle.

  • Drivers who can handle varying insurance bills: Your insurance bill will likely fluctuate from month to month. This means you have to be adaptable. If varying bills drive you crazy or if you are bad at budgeting, it could be hard to keep up with the constantly changing bills.

Why We Like Metromile

  • Rates not based on driving habits: Your rates are not based on how fast you drive or how hard you brake. You know your base rate and your per mile rate upfront. You can even keep track of your miles driven on the app, so you always know where you stand. You can minimize the unpleasant surprises monthly bills sometimes contain.

  • No penalty for occasionally driving more than 250 miles in a day: Driving more than 250 miles in a day won't result in any penalties or large bills. This benefits you if you hit that many miles sporadically, but if it's a regular habit, though, this might not be the right insurance for you.

  • Tech-savvy applications: Savings isn't the only thing Metromile offers. With the Pulse device, drivers can see their speed on trips, how much gas for the trip cost, and even where they parked their car.

  • Get alerts regarding your car's check engine light: The Metromile app helps you decode your check engine light. It also helps you find a mechanic to fix the problem.

  • Full coverage available: You can get as much coverage as you want or as little as your state requires. Metromile offers bodily injury, property damage, uninsured/underinsured motorist, personal injury protection, comprehensive, and collision coverage.

  • Roadside assistance available: If you are stuck on the side of the road with a flat tire or broken down car, Metromile offers roadside assistance, such as towing, flat tire help, and lockout assistance. Each policy differs - you must inquire about the services that may pertain to you.

  • Pet protection available: Driving with pets can put them at risk for injury if you are in accident. You can add pet protection onto your insurance, giving you up to $1,000 coverage if your pet suffers injuries in the accident.

  • Privacy control: If privacy is a concern for you, it's possible to turn the GPS locator off the Pulse device. It won't provide you with any of the perks above, such as finding your parked car, but it will still give you the mileage tracker that helps you save on your car insurance.

Why You Might Look Elsewhere

  • Claims take a while to process: If there's one common theme about Metromile complaints, it's the speed at which they handle claims. You submit your claim online. Then you are at the mercy of the adjustor or customer service agent to call you when they get to your claim. This could mean waiting days or even weeks for a call back.

  • You drive more than 10,000 miles per year: You don't get to take advantage of the low mileage discount if you drive more than 10,000 miles per year. It might even cost you more to use Metromile if you are not well under the 10,000-mile average.

  • You are on a fixed income budget: Unless you drive the same number of miles every single month, which is unlikely, you'll have varying insurance bills. If you prefer fixed bills that you can predict each month, the pay-for-what-you-drive plan may not be a good fit.

Customer Service

Being just a few years old, Metromile is still trying to figure out the perfect way to handle customer service.

They do offer 24/7 claims service. But this basically means you can file your claim 24/7. You may not hear back from an agent for a while. When they do help you, though, Metromile provides you with a dedicated claims professional who will help you through the claim process. They also help you find repair shops near you to speed up the process.

Recently, Metromile introduced automated claims processing. Not only can you file your claim online, but you can also upload the data from your Pulse device to help process the claim. Metromile states that some claims can even be handled automatically, getting you payment right away. We tend to think this is reserved for very minor claims, but it's a nice feature nonetheless.

Customer Service Phone Number: 1-888-242-5204

Dashboard

Drivers can access information about their driving habits, including miles driven, the cost of routes taken, and gas mileage online. All you need is your ID and password to gain access to this information. Basically, the dashboard provides you with ways to save money. It does not, however, give you any feedback on your driving habits. If money is your main concern, the dashboard serves its purpose. If you want to lower your insurance rates based on your driving habits, you'll need to look elsewhere.

App

The Metromile app does many of the same things as the dashboard. The difference is you have access to the information on-the-go. The app takes things a step further though. It will tell you:

  • Your car's health status
  • Decode any check engine light warnings
  • Send alerts when street sweepers are cleaning the street you are parked on (certain cities only)

How It Compares

Low-cost insurance is something many drivers want. Perhaps Metromile's largest competitor in that arena is Geico. Known for its rock-bottom prices for standard insurance, Geico is a fierce competitor. It's not a pay-as-you-go policy, though. You pay the same premium every month based on your individual factors. But those rates are among the lowest in the industry.

Unlike Metromile, Geico offers discounts for various things aside from the multi-vehicle discount, such as:

  • Safety features on your vehicle
  • Good driving habits
  • Defensive driving classes
  • Customer loyalty

Geico is also available in all 50 states, whereas Metromile is still only available in 7 states. Metromile does have a "waiting list" on their website that you can sign up for. You will then be alerted when the insurance is available in your area.

Geico has been around for 80 years and Metromile is still in its infancy, barely hitting 5 years on the market.

If saving money is your main concern, Geico takes the cake for high-mileage drivers and Metromile has a slight edge for low-mileage drivers, assuming you aren't eligible for many other discounts.

Bottom Line

In our opinion, if you don't drive often, Metromile may save you money every month. City dwellers who drive only a few miles at a time see the greatest results. Metromile makes it very convenient to use their insurance and service with one simple device to plug into your car.

We suggest determining how many miles you drive on average per year and compare your cost with standard insurance policies. If you are close to the 10,000-mile threshold, you may want to consider other options. If you are on the other spectrum, though, paying only for what you use could come in handy.

Metromile Insurance Review: Is It Legit? appeared first on CreditDonkey

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.

Wells Fargo Offers $250 Bonus for New Checking Customers

Wells Fargo Offers $250 Bonus for New Checking Customers


Money Talks News

You can score $250 just by opening a new checking account with Wells Fargo. Read on for details.

How to Get Paid to Shop Online

by Jacob Lumby @ Cash Cow Couple

There are a variety of strategies that can be used to save money while shopping, but the easiest is getting paid cash back to shop online. When you need to make a purchase, you can either visit your local retail store or shop online. There is nothing at all wrong with choosing to shop in-store, but …

How to Get Paid to Shop OnlineRead More »

The post How to Get Paid to Shop Online appeared first on Cash Cow Couple.

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

by Tony Phan @ MoneysMyLife

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

Pay Less At The Pump

by interestguru @ Top Online Savings Accounts & Money Market Rates 2017

Prices of gasoline are always subject to change. One week the prices may be low and the next week they are high again! How can you save money at the pump so you can keep it in your wallet? Here are some great tips to pay less at the pump: Check out gas prices. If […]

3% On Reward Checking And 1% On Reward Savings Available Nationwide

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Mutual Bank in suburban Boston is offering savers across the country a rewards checking account paying 3.00% APY that can be linked to a savings account paying 1.00% APY -- or nearly as much as the best accounts available nationwide.

Re: Article - They sold everything and bought a boat.. It sank on day 2

by @ The Money Mustache Community

Well, the average consumer sucka drives an SUV more likely to flip over in a crash because it 'feels' safer, eats shit processed food that gives him heart disease, and works...

Are These 5 Things Worth Credit Card Debt?

by Erin El Issa @ NerdWallet

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

Bank of the West $150 New Checking Account Bonus

by MM Team @ Banking Bonuses – Maximizing Money

Bank of the West is offering $150 in bonus cash when you open a new personal checking account online or in-branch, set up a direct deposit of at least $250, and make 10 debit card purchases per month for 2 months.

This Bank of the West promotion is available to residents of Arizona, California, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming[Read More] Bank of the West $150 New Checking Account Bonus

The post Bank of the West $150 New Checking Account Bonus appeared first on Maximizing Money.

Return of Premium Rider

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

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

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

~$~

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.

M&T Bank Deals, Bonuses, & Promotions: $150, $160, $200, & $250 Checking Offers

by Danny Nguyen @ Bank Deal Guy

Check out our listing of M&T Bank Deals of $150, $160, $200, & $250 promotions. Let M&T Bank reach your financial goals with their full suite of bank accounts and lending solutions, including savings accounts, checking accounts, auto and home loans, and more! M&T Bank has branches in the following states: CT, DC, DE, FL, MD, NJ,... Read More →

The post M&T Bank Deals, Bonuses, & Promotions: $150, $160, $200, & $250 Checking Offers appeared first on Bank Deal Guy.

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.

Get Paid to Live on Bahamas and Care for Flamingos

Get Paid to Live on Bahamas and Care for Flamingos

by Jeffrey Preis @ The Points Guy

Baha Mar, a massive resort that recently opened on Nassau, Bahamas, after more than 10 years of construction, sits on 1,000 acres and a half-mile stretch of beachside property and cost over $4 billion to build. The resort includes three hotel properties (totaling 2,300 rooms), 42 restaurants and lounges, an 18-hole golf course, a casino and the resort’s …

Iron Condor: How It Works

by feedback@creditdonkey.com (Kim Pinnelli) @ CreditDonkey

What if you could limit your losses while predicting your profits? It sounds too good to be true. It's possible with the iron condor, though.

This trade isn’t for beginners. You’ll want to get the hang of buying puts and calls first. You should also get a little experience writing puts and calls as well. Once you understand both sides, you can try your luck at the iron condor. This trade gives you protection on both sides of the equation.

What Is an Iron Condor?

The iron condor is a trade for the experienced trader who wants limited risk. You do best with the trade when the underlying stock has low volatility.

The iron condor has 4-legs:

  • Buy a put
  • Write a put
  • Buy a call
  • Write a call

Each option has the same expiration for this trade.

How you structure the strike prices determines your profit/loss.

You’ll buy an out-of-the money call with a higher strike price than the out-of-the-money call you sell. You’ll also buy an out-of-the-money put with a lower strike price than the out-of-the-money put you sell. The combination of trades leaves you with a net credit or profit.

Here’s how it works:

Let’s say XYZ stock currently trades for $40 and you want to trade an iron condor. You’d do the following:

  • Sell a call with a strike price of $45 ($1.00 premium)
  • Buy a call with a strike price of $50 ($0.50 premium)
  • Sell a put with a strike price of $35 ($1.00 premium)
  • Buy a put with a strike price of $30 ($0.50 premium)

You’d spend $100 on the call and put. Each option is worth 100 shares. The premium is $0.50 per share x 100 shares = $50. You buy a put and a call option, costing you $100.

You’d make $200 on the call and put you wrote. The premium is $1.00 per share x 100 shares = $100. You wrote a call and a put, making you $200.

Your net premium made is then $100 ($200 - $100).

Maximum Profit Potential

The maximum profit you make on an iron condor is the net premium made. In the above example, this means $100. If the market price of the underlying stock lands between $35 and $45, all options expire worthless. You walk away with the net premium.

If the stock’s price lands outside of the narrow $35-$45 range, you’ll experience a loss. But your net premium helps to offset the loss.

Maximum Loss Risked

Although you cap your profit with this trade, you also cap your losses. Your maximum loss occurs when the stock’s market price is outside of the outer legs of the iron condor. In our example, the outer legs are $30 and $50.

You can figure your max loss with the following equation:

Max loss = Strike price of the long call – Strike price of the short call – Net premium received

Using our above example, your max loss = $50 - $45 - $1 = $4, or $400.

Here’s an example:

The market price of XYZ stock ends at $30 at expiration. All options would expire worthless except the $35 written put. The buyer of the put would exercise the right to sell to you at $35. You’d have to pay $3,500. If you turned around and sold the stock in the open market, you’d get $30/share, or $3,000. This is a loss of $500. But you have a net premium of $100; this offsets the loss, making it $400.

Even if the stock dipped below the outer leg of the iron condor, you’d still cap your loss at $400. Let’s say the price fell to $28. The two left-sided options would be exercised. You’d exercise your bought put. This allows you to sell your stock for $30 per share. You’d buy 100 shares for $28 and sell them for $30. That gives you a $200 profit.

Your buyer would also exercise their put, forcing you to buy their shares at $35/share. You’d then sell them on the open market for $28. You’d suffer a loss of $700.

This loss is offset by your $200 profit on the bought put and the $100 net credit received. You walk away with a maximum $400 loss.

The same scenario occurs on the right side options of the condor. If the price exceeds the long call’s strike price of $50, your maximum loss is still $400.

Figuring Out Your Break-Even Point

It’s always important to determine your break-even point before entering a trade. In this case, there are two break-even points:

  • Upper break-even point = Strike price of the short call + Net premium paid
  • Lower break-even point = Strike price of the short put – Net premium paid

Using our above example, it would look like this:

  • Upper break-even point = $45 + $1 = $46

If the stock landed at $46 at expiration, the only option that would be exercised is the short call. The buyer of the call would want to buy the stock from you for the strike price of $45. You would have to buy the stock in the open market for $46. This is a loss of $100. But that loss is offset by the $100 net premium received. You walk away without a gain or a loss.

Your lower break-even point looks like this:

  • Lower break-even point = $35 - $1 = $34

If the stock landed at $34 at expiration, the only option that gets exercised is the short put. This option has a strike price of $35. You’d have to buy the stock at the strike price of $35. You could then sell it in the open market for $34. That’s a loss of $100, but again, you offset the loss with the net premium received of $100.

The Bottom Line

The iron condor is a good neutral strategy. You don’t think the stock will move wildly one way or the other. You limit your profits while maximizing your losses. It’s a way to make a little bit of quick money while trading options. You don’t have a large capital outlay and you don’t put your entire portfolio at risk.

Iron Condor: How It Works appeared first on CreditDonkey

Safest Places to Live in Vermont ( 2017 Updated ! )

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

Located in the New England region of the northeastern United States, the Green Mountain State is bordered by Massachusetts, New Hampshire, New York and the Canadian province of Quebec. With approximately 624,000 residents, Vermont is the second least populous state, but it is also the sixth smallest state by area. Its capital is Montpelier, while ...

The post Safest Places to Live in Vermont ( 2017 Updated ! ) appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

Chase Bank Business Savings Account $200 Cash Promotion

by MM Team @ Banking Bonuses – Maximizing Money

Get a $200 bonus when you open a Chase Business Savings Account in-branch and deposit a minimum of $15,000 for at least 90 days. [Read More] Chase Bank Business Savings Account $200 Cash Promotion

The post Chase Bank Business Savings Account $200 Cash Promotion appeared first on Maximizing Money.

Alaska Flash Sale: West Coast to Texas and Midwest From 10,000 Miles Round-Trip

Alaska Flash Sale: West Coast to Texas and Midwest From 10,000 Miles Round-Trip

by Katherine Fan @ The Points Guy

Just after Delta’s flash sale, Alaska launched its own sale fares for award flights this afternoon. Travelers based in Texas or on the West Coast will benefit the most from these deals, which begin at 10,000 Mileage Plan miles and $12 round-trip. In order to take advantage of these flash sale rates, you must purchase your …

Discover Bank Review: Checking, Savings, and CDs | Cash Cow Couple

Discover Bank Review: Checking, Savings, and CDs | Cash Cow Couple


Cash Cow Couple

Vanessa and I have been Discover Bank customers for almost six years. We maintain bank accounts and credit cards with Discover because the company continues to emphasize quality customer service while offering competitive products. In addition to 24/7 customer support (based entirely in the U.S.A), Discover Bank offers competitive interest rates and generous rewards through a … Discover Bank Review: Checking, Savings, and CDsRead More »

Heartland Financial USA – $200 Consumer Checking Account Bonus – AZ, CA, CO, IA, IL, KS, MO, MT, NM and WI

by MM Team @ Banking Bonuses – Maximizing Money

Earn up to $200 in bonus cash with a consumer checking account when you enroll in eStatements and have at least 1 $500 direct deposit, available at various community banks in Arizona, California, Colorado, Illinois, Iowa, Kansas, Missouri, Montana, New Mexico, and Wisconsin. [Read More] Heartland Financial USA – $200 Consumer Checking Account Bonus – AZ, CA, CO, IA, IL, KS, MO, MT, NM and WI

The post Heartland Financial USA – $200 Consumer Checking Account Bonus – AZ, CA, CO, IA, IL, KS, MO, MT, NM and WI appeared first on Maximizing Money.

FREE Raising Cane’s Chicken Fingers

by CashBonusMoney @ Cash Bonus Money

Enjoy a FREE Box Combo when joining Raising Cane’s Caniac Club. Raising Cane’s Chicken Fingers Box Combo includes 4 Chicken Fingers, Crinkle-Cut Fries, 1 Cane’s Sauce, Texas Toast, Coleslaw and a Regular Drink (22 oz). Take advantage of this special loyalty promotion from Raising Cane’s Chicken Fingers to get entire combo free meal when you […]

Should You Sell Your Hair for Quick Cash?

by Jackie Cohen @ Everybody Loves Your Money

Sell your hair and you might score as much as $4,000 — or as little as $100.  Don’t cut a single strand until you’ve researched whether there’s a market for your specific type of hair. Where demand is low, so is the pay, which ought to make you think twice about whether the sacrifice is worth it. And even if you are able to get

The post Should You Sell Your Hair for Quick Cash? appeared first on Everybody Loves Your Money.

3 Times It’s Worth Chasing That Checking Account Bonus | Student Loan Hero

3 Times It’s Worth Chasing That Checking Account Bonus | Student Loan Hero


Student Loan Hero

Some banks offer sign-up bonuses to new customers. But are they worth the effort? Here are three times it's worth signing up for a checking account bonus.

How To Become a Certified Financial Planner (CFP)

by Jeff Rose @ Good Financial Cents

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

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

Pick A Southeast Checking Account Bonus: $200 For You Or $300 For Charity

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

The Synovus family of 28 banks in Georgia, Florida, Alabama, South Carolina and Tennessee is offering a checking account bonus to new customers through the end of the year.

3% Checking In Wisconsin, Michigan

by Susan Ladika @ Checking Accounts – CD Rates | Certificate of Deposit Rates

Nicolet Bank, based in Green Bay, Wisconsin, offers that top rate on its Real Rewards Checking account to balances of $15,000.

Around the World in Eight Inflight Magazines

Around the World in Eight Inflight Magazines

by Anthony Grant @ The Points Guy

You’ve settled into your seat, a middle with no way out. There is no in-flight entertainment monitor. You left your iPad on the rental car counter. Things are looking grim. But then you realize you’re not condemned to hours of boredom: Your salvation is coming in the form of a little handheld friend in the seat pocket …

M&T Bank $200 Checking Bonus [AZ, CO, CT, DC, DE, FL, MD, NJ, NY, OR, PA, VA, WA, WV] (YMMV)

by Danny Nguyen @ Bank Deal Guy

If you are a resident in one of the following states: AZ, CO, CT, DC, DE, FL, MD, NJ, NY, OR, PA, VA, WA, or WV, M&T Bank is offering you a $200 bonus when you open a new personal Checking Account with promo code TE and completing certain requirements! Below is all the information and details you need to... Read More →

The post M&T Bank $200 Checking Bonus [AZ, CO, CT, DC, DE, FL, MD, NJ, NY, OR, PA, VA, WA, WV] (YMMV) appeared first on Bank Deal Guy.

Home Chef Review: Is It Worth It?

by feedback@creditdonkey.com (Kim P) @ CreditDonkey

Almost half of Americans claim to hate to cook. For many, it's due to a lack of time to put together a half decent meal. Perhaps because of this phenomenon, meal delivery services have taken over the radar.

One name you probably hear quite often is Home Chef. Founded in 2013, Home Chef delivers more than 1.5 million meals to doorsteps each month. The perfectly portioned ingredients and colorful recipe cards have wanna-be chefs trying new things.

Is it the right service for you?

What Is Home Chef?

Busy families often resort to frozen food or takeout. While it's convenient, it could be unhealthy and costly. Enter Home Chef, the answer to the desire for a home cooked meal in under 30 minutes. This home meal delivery service promises fresh ingredients delivered to your doorstep with delicious recipes even the novice can prepare.

Home Chef delivers all of the ingredients necessary to create your chosen meals. However, they don't provide common staples, such as cooking oil, salt, and pepper. You can skip meal planning, grocery shopping, and recipe hunting. Home Chef works with high-quality food suppliers and professional chefs to deliver the best ingredients and tastiest recipes.

How Home Chef Works

You can sign up for Home Chef in a few simple steps. You'll provide your email address, food preferences, shipping, and payment information. Based on your preferences, Home Chef then suggests meals for you. But you can choose from the more than 11 options each week based on your family's desires. This offers a great opportunity to try something new. Many families try meals they would otherwise never eat.

You can choose your menu on a weekly basis as long as it's by the deadline. But Home Chef also sets their menus 5 weeks in advance. If you like to plan, you can know what you'll be eating for the next month or so. Their site has a countdown to let you know how many days are left to order from a specific week's menu. Once the deadline hits, the menu is no longer available. However, you can still access their recipes for a few months.

You can also choose to add on smoothie ingredients and/or fresh fruit baskets. You choose the number of servings and the items are added to your order.

Once you choose your meals, Home Chef ships the fresh ingredients and recipe cards right to your doorstep. You get to choose the delivery date so you know when it will arrive.

Once you receive your order, you simply unbox the desired meal and follow the recipe steps. Take note: you'll find a list of "extra" items you need, such as olive oil, salt, and pepper, at the top of the card. You'll also see any special notes titled "Before You Cook." This alerts you of any steps you must take before you start cooking.

Each step in the cooking process is broken down into simple instructions and includes pictures. They even offer a "proper plating" picture so you can replicate the look of the meal as you would see it in a restaurant.

Who Benefits the Most from Home Chef?

Home Chef isn't for everyone, but many people do benefit. If you are too busy to cook anything but frozen pizzas and chicken nuggets or you are sick of takeout, it could be worth a try.

However, if you are the type who follows a strict budget or uses coupons religiously, you might find the price a little much to handle. Home Chef charges customers by the number of servings ordered. However, the smallest quantity you can order is 2 servings. Because they charge per serving, you don't get a price break with the more people you feed.

If you were to shop for the ingredients yourself, the price per serving may decrease with the more mouths you feed. You can either buy in bulk or purchase items on sale. At Home Chef, it could cost as much as $60 for one meal to feed a family of six.

But, for some, the price is worth it. Even though you might spend as much as you would on takeout, you get much higher quality food and the satisfaction of preparing it yourself.

If you have a little time to spend in the kitchen, but less time to meal plan and grocery shop, this service may work well. Keep in mind that while you receive fresh produce and meat, you still have to do a little preparing. Many recipes require you to slice vegetables, chop nuts, and season the meat. Typically, it's nothing too time consuming, but something you should keep in mind.

What Are Your Choices?

Home Chef offers a large variety of options even for those on a strict diet. When you sign up, you can specify any allergies or preferences you have.

After entering your email address, Home Chef asks you a variety of questions:

  • How many meals would you like sent to you each week? (Choose 2-6)
  • How many people will you cook for? (2, 4, or 6)
  • Do you prefer meat, seafood, vegetables? You can choose one, two, or all three options.
  • Do you need a low-calorie or low-carb meal plan?

You can then choose to omit any of the following:

  • Pork
  • Soy
  • Red meat
  • Nuts
  • Wheat
  • Milk
  • Mushrooms
  • Shellfish

Based on your preferences, Home Chef offers a variety of menu options. A few examples of past meals offered include:

  • BBQ-Rubbed Chicken and Cheddar Mac
  • Greek Panko-Crusted Cod with vegetables
  • Sirloin Steak with Balsamic Sauce and Potatoes
  • Spaghetti and Ricotta Meatballs

The Pros and Cons of Home Chef

Having fresh ingredients delivered to your doorstep with step-by-step instructions may seem like a dream come true and for some, it is. However, you should know the cons before deciding too.

Pros

  • The recipes are very easy to follow, even if you are not a self-proclaimed chef.
  • You can personalize the options to meet your dietary needs.
  • You can pick and choose the number of meals each week or even skip several weeks at a time.
  • Possibly waste less food, as only the necessary amount of fresh ingredients come in the box.
  • Recipes are categorized by difficulty.

Cons

  • You should be home when the food is delivered, as it's chilled only with standard ice packs.
  • The dietary restriction options don't include vegan or heart-healthy diet options.
  • Single-member households must pay for 2 servings of any meals they order.

How It Compares

Home meal delivery services are quickly on the rise. While Home Chef has been around for almost 5 years, others are popping up all over the internet. They all offer the same idea - fresh ingredients to make restaurant-quality meals in your own kitchen. A few of the options outside of Home Chef include:

Blue Apron
Blue Apron offers a subscription service. You get a box each week unless you cancel your subscription. You choose from the "2-Person Plan" or the "Family" plan. The 2-Person Plan allows you to choose 2 or 3 recipes per week. The Family Plan allows you to choose 2, 3, or 4 recipes per week. They do offer vegetarian plans, but only for the 2-Person Plan. They specialize in unique recipes with new cooking techniques to keep even the most experienced cook learning new things. However, Blue Apron meals tend to take longer to prepare - some even take up to 90 minutes.

Plated
Plated works much the same as Home Chef. You choose your meals from week to week. You can skip weeks, stop delivery altogether, or order as often as you want. They have more than 20 recipes to choose from at a time. They also offer dessert recipe options. You receive most of the necessary ingredients outside of the standard staples you probably have at home. Plated allows you to mix and match the number of servings you get for each meal. This allows some flexibility for entertaining or nights when not everyone will be home for dinner. The food from Plated is often very unique or gourmet, and the recipes can be complicated or time consuming.

Hello Fresh
Hello Fresh provides farm-fresh foods with the option to choose a meat/seafood or vegetarian plan. They also provide a weekly subscription, but you must choose between a plan for 2 or 4 people and 3 or 4 recipes per week. Based on your preferences, Hello Fresh provides you with 15 new recipes to choose from each week. By default, they choose your meals for you, but you have the flexibility to change them if desired. Hello Fresh is a good choice for those who prefer "standard" recipes rather than the more "gourmet" options from other subscription services.

Bottom Line

Home Chef is among the many meal delivery service companies vying for your grocery dollar. They are among the easier meals to prepare, yet they don't lack in sophistication. They are among the services that offer the most options for those on a restricted diet. If you're looking for an alternative to convenience food, this is a great option. You'll create a warm, home-cooked meal for your family with fresh ingredients that will not go to waste.

Home Chef Review: Is It Worth It? appeared first on CreditDonkey

WalletHub Credit Monitoring Review – The Only Daily Updated Credit Score Site !

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

Over the years, WalletHub has offered a number of very useful resources in the field of personal finance to the customers in the United States. They have established admirable authority in this field and continue to build it by offering legitimate, relevant and helpful information to many people across the country. In this article, we ...

The post WalletHub Credit Monitoring Review – The Only Daily Updated Credit Score Site ! appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

HSBC Bank Deals, Bonuses, & Promotions: $100, $200, $350, $600, $750 Checking Offers

by Hilary Tran @ Bank Deal Guy

Check out our listing of HSBC Bank Deals of $100, $200, $350, $600, & $700 promotions. At HSBC they seek to build trust-based and lasting relationships with their many stakeholders to generate value in society and deliver long-term shareholder returns. HSBC Bank is available nationwide but has physical branches in the following states: CA, CT, DC,... Read More →

The post HSBC Bank Deals, Bonuses, & Promotions: $100, $200, $350, $600, $750 Checking Offers appeared first on Bank Deal Guy.

Ally Bank Online Savings Account: Earn 1.45% APY Rate [Nationwide]

by Danny Nguyen @ Bank Deal Guy

Available nationwide, Ally Bank is offering you a 1.45% APY on your funds for opening a new Ally Bank Online Savings Account. Below is all the information you need to earn 1.45% APY Rate on your funds when you open an Ally Bank Online Savings Account. Ally Bank Online Savings Account Summary Here is your opportunity to earn a an interest... Read More →

The post Ally Bank Online Savings Account: Earn 1.45% APY Rate [Nationwide] appeared first on Bank Deal Guy.

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.

Your Guide to Insuring Someone Else's Life

by Barbara Marquand @ NerdWallet

Buying life insurance on someone else and naming yourself as beneficiary might sound like a plot point in a film noir mystery. But taking out a policy on another person…

Get $150 or $200 Discover Bank Online Savings Account Bonus

Get $150 or $200 Discover Bank Online Savings Account Bonus


Cash Bonus Money

Get $150 or $200 Discover Bank savings account bonus when you open Discover Online Savings Account by October 2, 2017. You will receive $100 savings acco

9 Steps to Getting the Car You Want

by Chris Ceballos @ BrightStar Credit Union

Will Your Relationship Last? Depends on Your Investment

by Kevin Voigt @ NerdWallet

On Valentine’s Day, lovers scramble to order flowers or book a table at the right restaurant. But are these really the kinds of “investments” that pay off in building a…

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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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.

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.

Citibank Offers $500 Checking Bonus

Citibank Offers $500 Checking Bonus


Deposit Accounts

Citibank is offering a $500 bonus now through June 30, 2017, when opening a new The Citi Priority Account Package checking account. Requires a minimum $50k...

Do’s and Don’ts When Using Shopping Apps

by Lauren Schwahn @ NerdWallet

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

CIT Bank $100 Savings Bonus Promotion

by Tom Andrew @ Rebates Money

CIT Premier High Yield Saving Account Summary As the winner of many awards in 2017, CIT bank is offering a deal that provides maximum growth and investment in your future. The Premier High Yield Savings Account has an APY that’s 21x the national average. For example, if you were to deposit $10,000 into this account, […]

Your Last Will and Testament

by Jeff Rose @ Good Financial Cents

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

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

January 2018 Goals and Financial Update

by retirebyforty @ Retire by 40

January is over! We were sick on and off for about 3 weeks, but we’re all much better now. It was a very slow month and we spent most of our days at home. Mrs. RB40 enjoys these slow winter days because she can catch up on some of the things she’s been meaning to […]

January 2018 Goals and Financial Update is a post from: Copyright © 2010-2016 Retire By 40 All Rights Reserved

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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 […]

EXPIRED: Chase Cash Bonuses: Checking ($300) & Savings ($200) - Frequent Miler

EXPIRED: Chase Cash Bonuses: Checking ($300) & Savings ($200) - Frequent Miler


Frequent Miler

Chase have cash bonuses available for opening a checking and/or savings account, earning you up to $500. Here's what you need to do to get the cash.

Chase Savings Account Review: $150, $200 and $300 Promotional Codes

by MM Team @ Banking Bonuses – Maximizing Money

The Chase Savings Account is now offering 3 different promotions, including a $150 cash bonus when you deposit $10,000, a $200 bonus when you deposit $15,000, and a $300 bonus when you deposit $25,000. [Read More] Chase Savings Account Review: $150, $200 and $300 Promotional Codes

The post Chase Savings Account Review: $150, $200 and $300 Promotional Codes appeared first on Maximizing Money.

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.

How to Plan a Purr-fect Flight With Your Cat

by Gregory Karp @ NerdWallet

Taking a cat or kitten along on a commercial flight can seem like a straightforward idea, but the logistics can mount. You may face additional costs, not to mention documentation…

Safest Places to Live in Montana ( 2017 Updated ! )

by The Fastest Growing Personal Finance Blog in 2017 @ Elite Personal Finance – Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018

Montana is located in the northwestern region of the United States. It is bordered by North Dakota, South Dakota, Wyoming, Idaho and Canadian provinces British Columbia, Alberta, and Saskatchewa. It has many nicknames, such as Big Sky Country, The Treasure State, Land of the Shining Mountains and The Last Best Place. Montana is the fourth largest ...

The post Safest Places to Live in Montana ( 2017 Updated ! ) appeared first on Elite Personal Finance - Credit Report , Loans , Identity Theft , Credit Cards : Advanced Guides ; Best Reviews in 2018.

Best Checking Account Offers for February 2018

by Mitch Strohm @ Checking Accounts – CD Rates | Certificate of Deposit Rates

If you're in the market for a new checking account, it pays to do some shopping around. This month, you'll find a number of checking account offers that pay a bonus of $300.

Huntington Bank $300 Business Checking Bonus [IN, KY, MI, OH, PA, WV, IL, WI]

by Danny Nguyen @ Bank Deal Guy

If you’re interested in banking at Huntington, you can earn a Huntington Bank $300 Business Checking Bonus when you open their Fast Track Business Checking Account currently available in Ohio, Michigan, Indiana, Pennsylvania, Kentucky, West Virginia, Illinois, and Wisconsin. Get the right business checking account, whether you’re starting out or starting to expand. Huntington has checking options to meet your needs,... Read More →

The post Huntington Bank $300 Business Checking Bonus [IN, KY, MI, OH, PA, WV, IL, WI] appeared first on Bank Deal Guy.

Bank of America Bonuses: $100, $200, $300 Promotion

Bank of America Bonuses: $100, $200, $300 Promotion


Bank Checking Savings

Bank of America Bonuses varies from a $100 bonus, $200 bonus, $300 bonus, $2000, free museum entry, and even free antivirus software. There are several options out there for business checking accounts and consumer checking accounts! These bonuses require you to open an eligible account and meet certain requirements like using a promo code or setting up direct deposit. Bank of America is the nation’s current 2nd largest bank with approximately 5,000 branch locations, so they’re never short on providing special bank offers to get new customers.

Quorum Federal Credit Union CD Account Review: 2.00% APY 11-Month, 2.25% APY 25-Month CD Rates Increased (Nationwide)

by Howard Young @ Bank Checking Savings

Now is the best time of the year to start a new account experience. With that said, Quorum Federal Credit Union is offering residents nationwide a wide selection of rates to fit all your banking needs. Whether you are looking for a short term or long term solution, there is definitely an account to fit... Keep Reading↠

The post Quorum Federal Credit Union CD Account Review: 2.00% APY 11-Month, 2.25% APY 25-Month CD Rates Increased (Nationwide) appeared first on Bank Checking Savings.

Flying With a Cartoon Penguin, on EVA Air’s Badtz-Maru Airbus A330

Flying With a Cartoon Penguin, on EVA Air’s Badtz-Maru Airbus A330

by J. Keith van Straaten @ The Points Guy

EVA Air's cartoon-themed aircraft offers one of the world's most unique passenger experiences. Pros: Outstanding service and an absolutely unique themed aircraft. Cons: No choice of food in Economy, sub-par lounge options in Fukuoka.

4 Ways to Manage Medical Debt

by Chris Ceballos @ BrightStar Credit Union

Unfortunately, when you get sick or injured, getting better is often not the only concern. Even if you have health […]

Card art gone wrong: Where is the name of my card?

Card art gone wrong: Where is the name of my card?

by Nick Reyes @ Frequent Miler

Reading Greg’s post this morning about the Marriott properties to book before the coming devaluation (See: Book these category 5 Marriott hotels before it’s too late) probably has some people reconsidering the value of their Marriott Rewards Premier credit card now that the annual free night certificate is losing a number of Category 1-5 options. That had me taking stock of my credit cards, and I couldn’t help but consider how they look, even if that isn’t…

The post Card art gone wrong: Where is the name of my card? appeared first on Frequent Miler.

How to Earn Credit Card Points Through Shopping Portals

by Jeff Gitlen @ LendEDU

An increasing number of rewards club members are discovering the marvels of online shopping portals where they can pad their points and miles just for doing the shopping they do anyway. Most of the major credit card companies offer an online shopping portal or mall where cardholders can go to shop with popular merchants. Shoppers […]

The post How to Earn Credit Card Points Through Shopping Portals appeared first on LendEDU.

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