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2015 Checking Account Survey - Fees Spike Again | Bankrate.com

2015 Checking Account Survey - Fees Spike Again | Bankrate.com


Bankrate

Record fees and a decline in free checking highlight our 2015 Checking Account Survey.

The Summit Account | Aspiration

The Summit Account | Aspiration


Aspiration

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

Chime Bank - A Better Way to Bank with No Hidden Fees.

Chime Bank - A Better Way to Bank with No Hidden Fees.


Chime Banking

We need more banks with no fees. Chime has no overdraft fees, no monthly maintenance fees, no foreign transaction fees and 30,000 no fee ATM's nationwide.

Experian IdentityWorksSM Review: [FREE TRIAL] ID Theft Protection Plus Credit Reporting

by Philip Taylor @ PT Money

**This article contains sponsored advertising content. About IdentityWorksSM In 2016 alone, more than 15.4 million consumers in the United States were victims of identity theft with more than 16 billion dollars stolen. With online shopping and credit card usage skyrocketing, it is not surprising that identity theft hit an all time high in 2016. Recognizing […]

The post Experian IdentityWorksSM Review: [FREE TRIAL] ID Theft Protection Plus Credit Reporting appeared first on PT Money.

U.S. Bank and Chase Free Checking Accounts: Hidden Fees or Free?

U.S. Bank and Chase Free Checking Accounts: Hidden Fees or Free?


The Balance

Does it really mean no cost when you open a free checking account with a big bank? Find out what you get when withChase and U.S. Bank.

Santander launches 'fee-free' bank account

Santander launches 'fee-free' bank account


the Guardian

Zero current account, which will not charge customers for going overdrawn without permission, is unveiled days before a ruling on unauthorised bank charges is expected

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.

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

by @ bonkers.ie blog

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

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

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

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

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

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

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

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

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

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

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

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

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

How much can I expect my legal fees to be?

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

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

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

Which banks will cover my legal fees when I switch?

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

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

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

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

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

KBC - €3,000

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

Ulster Bank - €1,500

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

Permanent TSB - 2% cashback

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

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

AIB - €2,000

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

Mortgage interest rates are where the real savings lie

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

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

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

Tax Professional or DIY? Here’s How to Choose

by Gemma Hartley @ Chime Banking

The thought of filing taxes on your own can be daunting. At the same time, hiring a professional accountant comes at a price: around $273 of your potential refund. But, with the availability of low-cost online options – like TurboTax and TaxAct – you may still be wondering if hiring a tax professional makes the most sense […]

The post Tax Professional or DIY? Here’s How to Choose appeared first on Chime Banking.

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

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


Discover Bank

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

The Healthiest (& Unhealthiest) States in America

by PolicyGenius @ Chime Banking

With the start of a new year, many of us have embarked on self-betterment resolutions. The vast majority of these are health-related: Eat healthier, get more exercise, sleep better, stay fit, lose weight. But what about financial health? Many of us are resolving to get our financial house in order, too. It turns out the two are […]

The post The Healthiest (& Unhealthiest) States in America appeared first on Chime Banking.

How to Work in the Gig Economy and Still Reach Your Money Goals

by Colin Ashby @ Chime Banking

Working in the gig economy offers some great perks. For starters, you get the flexibility of setting your own hours. Plus, you can often find gigs instantly using an app rather than prospecting new work yourself. Nearly one in four Americans have earned money in the gig or “platform economy” over the last year, according to Pew […]

The post How to Work in the Gig Economy and Still Reach Your Money Goals appeared first on Chime Banking.

Bank of America Can Kick Rocks: Here Are Some Free (or Low-Fee) Checking Alternatives

Bank of America Can Kick Rocks: Here Are Some Free (or Low-Fee) Checking Alternatives


The Root

Bank of America, the second-largest U.S. bank by assets, decided this month that providing free checking accounts to lower-income customers was too much of a burden to bear and removed the option from its account offerings. Customers must now either maintain a daily balance of $1,500, have a direct deposit of $250 or more, or pay a monthly fee of $12.

Compare Personal Checking Accounts | KeyBank

Compare Personal Checking Accounts | KeyBank


Key.com

Looking for a personal checking account to fit your needs? You have options, from interest-bearing to hassle-free. Compare KeyBank checking accounts online!

X checking from Bank X - Banking for Your Active Lifestyle

X checking from Bank X - Banking for Your Active Lifestyle


Bank X

X checking from Bank X offers simple checking and free online banking without fees. Bank real. Bank X.

Rewards Checking from Bank of Internet USA

Rewards Checking from Bank of Internet USA


Bank of Internet USA

When you open a Rewards Checking account with Bank of Internet USA, you will benefit from a high APY, free online banking, and exclusive cash back offers.

PNC

PNC


PNC

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

Fee-Free Banking: Avoiding Transaction Account Fees – CANSTAR

Fee-Free Banking: Avoiding Transaction Account Fees – CANSTAR


Canstar

You want to be able to use your cash, not lose it to account fees. CANSTAR reveals how to avoid the fees on transaction accounts.

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.

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

by @ bonkers.ie blog

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

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

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

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

What is PSD2?

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

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

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

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

How will PSD2 affect the banks?

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

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

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

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

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

How will PSD2 affect me as a banking customer?

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

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

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

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

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

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

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

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

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

The future is bright

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

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

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

Don’t Let the Fear of Looking Stupid Lead to Money Mistakes

by Barbara Marquand @ NerdWallet

A lot of smart people have a financial secret: They feel stupid about money. “One of the most common things I hear from clients is, ‘I feel like I should…

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.

How to Open a Free Online Bank Account with Chime

by Melanie Lockert @ Chime Banking

Whether you want to open your first bank account or switch to a new one, it can be a daunting process. You may be wondering “How long does it take to open a bank account?” Or, “What do I need to open a bank account?” You may also feel unsure about the next steps. Here’s […]

The post How to Open a Free Online Bank Account with Chime appeared first on Chime Banking.

Top 10 Checking Accounts With No ATM Fees (PNC, ALLY)

Top 10 Checking Accounts With No ATM Fees (PNC, ALLY)


Investopedia

Discover the top 10 checking accounts that offer up to unlimited worldwide reimbursement for ATM fees and include many other free features.

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.

The 23 Best Free Business Checking Accounts

The 23 Best Free Business Checking Accounts


Fundera Ledger

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

Chime Bank Review: Fee Free Banking

Chime Bank Review: Fee Free Banking


The College Investor

If you're looking for 100% fee free banking Chime may be the fit. However, there are other things you should know. Read our Chime Bank review for more.

Free checking accounts | Fee-free bank accounts | finder.com

Free checking accounts | Fee-free bank accounts | finder.com


finder US

Learn how to compare $0 fee offers: No monthly fees ✔ Free international money transfers ✔ Free domestic and overseas ATM withdrawals ✔ $0 Overdrawn Fees ✔

Nine banks to offer fee-free basic accounts in the New Year

Nine banks to offer fee-free basic accounts in the New Year


MoneySavingExpert.com

Millions of basic bank account holders will soon be able to switch to a truly fee-free basic account

16 Best Free Business Checking Accounts in 2018 - LendGenius

16 Best Free Business Checking Accounts in 2018 - LendGenius


LendGenius

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

What is a Monthly Maintenance Fee, and How Do I Avoid Them?

by Melanie Lockert @ Chime Banking

What if you asked a friend to watch over your precious jewels and she said, “Yeah, no problem.” But later on, she hit you up for a monthly fee for babysitting your jewelry. How would you feel, especially as she didn’t tell you upfront about this so-called fee? Probably a little peeved, right? Unfortunately, this […]

The post What is a Monthly Maintenance Fee, and How Do I Avoid Them? appeared first on Chime Banking.

Best Free Checking Accounts of 2018 - LendEDU

Best Free Checking Accounts of 2018 - LendEDU


LendEDU

Free checking accounts cost less to use and often provide most of the services you find in a fee-burdened checking account. With so many options, though, it can be hard to figure out which is the best for you.To help solve this issue, we reviewed and ranked the 7 best free checking accounts available today. …

Best Free Checking Accounts of 2018

Best Free Checking Accounts of 2018


ValuePenguin

These days, you're more likely to find free checking accounts online than by walking into a bank. Use our review to determine which free checking option makes sense for your finances.

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

by @ bonkers.ie blog

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

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

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

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

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

    1. What you get

    2. What it costs

    3. What sign-up bonuses are on offer

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

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

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

eir

1. What do you get?

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

2. What does it cost?

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

3. What sign-up bonuses are on offer?

Here’s where it gets really good.

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

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

Let’s see if Sky can take them on.

Sky

1. What do you get?

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

2. What does it cost?

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

This Sky bundle is available for sign up now.

3. What sign-up bonuses are on offer?

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

Virgin Media

1. What do you get?

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

2. What does it cost?

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

3. What sign-up bonuses are on offer?

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

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

Vodafone

1. What do you get?

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

2. What does it cost?

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

3. What sign-up bonuses are on offer?

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

This Vodafone offer is up for grabs right now.

Who wins?

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

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

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

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

Provider

Core features

Avg monthly price

Sign up bonus

eir

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€64

  • free eir Sport

Sky

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€64.50

  • free Sky Atlantic

Virgin Media

  • 240 Mb broadband

  • 50+ TV channels

  • home phone

€64

  • Red House ninjas

Vodafone

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€61.67

  • 6 months free eir Sport or

  • 6 months free multiroom

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

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.

Why Big Banks Charge Fees

by Lindsay VanSomeren @ Chime Banking

Raise your hand if you’re fed up with big bank fees. These pesky fees can put a damper on your day and a drain on your finances. According to a 2016 survey by the Pew Charitable Trust, a full quarter of people who use bank overdraft services regularly end up paying out at least one week’s […]

The post Why Big Banks Charge Fees appeared first on Chime Banking.

Tricks to Avoid Being Skipped on an American Airlines Upgrade List

Tricks to Avoid Being Skipped on an American Airlines Upgrade List

by JT Genter @ The Points Guy

It’s a rough feeling to just miss out on an upgrade. I know the feeling all too well. With airlines changing their revenue management policies and offering cheap upgrades to non-elites, business and first class cabins are as full as ever, making the competition for those upgrades even more fierce. American Airlines made fundamental changes to …

Everyday Banking: Checking & Savings | BECU

Everyday Banking: Checking & Savings | BECU


BECU

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

8 Timeless Money Tips to Put to Work in 2018

by Holly Johnson @ Chime Banking

If you’re hoping 2018 is the year you (finally!) get your money on point, it’s smart to look back on last year’s successes and failures, while focusing on new, doable goals. That means foregoing, say, a quest to find the next cryptocurrency or better time the stock market. Instead, try focusing on some tried and true […]

The post 8 Timeless Money Tips to Put to Work in 2018 appeared first on Chime Banking.

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.

Electric Ireland’s price increase takes effect

by @ bonkers.ie blog

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

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

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

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

Bills to increase by €35

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

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

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

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

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

Electric Ireland’s plan to reward loyalty

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

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

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

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

How to offset rising energy prices

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

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

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

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

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

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

Book British Airways Flights with Asia Miles to Save Big

Book British Airways Flights with Asia Miles to Save Big

by Richard Kerr @ The Points Guy

Even novice points and miles enthusiasts understand the annoyance of trying to book award flights operated by British Airways. The extraordinary taxes, fees, and carrier-imposed surcharges offset the great award seat space British Airways makes available. To make things more irritating, there is a constant false hope of thinking we can use AA miles at …

Open A Student Bank Account In Australia - Student.com Blog

Open A Student Bank Account In Australia - Student.com Blog


Student.com Blog

Opening a student bank account in Australia is simple! Here's everything you need to know about finding the right one for you...

How to Keep a Side Hustle and a Day Job Simultaneously

by Due.com @ Chime Banking

While it seems as if everyone is turning a side hustle into a full-time gig, the reality is not everyone wants to do that. Heck, not everyone even should do that! Contrary to how you may be feeling, it doesn’t make you any less of a business owner to keep your day job. That being said, you […]

The post How to Keep a Side Hustle and a Day Job Simultaneously appeared first on Chime Banking.

The only truly free bank account

The only truly free bank account


BBC News

People in financial trouble can choose from new fee-free current accounts - but banks still have the right to move them onto accounts with charges.

What Is A Margin Account And How Do You Use It?

What Is A Margin Account And How Do You Use It?

by Robert Farrington @ The College Investor

Want to buy more stock but don't have enough funds in your brokerage account? You'll need a margin account. Wondering what is a margin account and how to use it? Check out this article.

The post What Is A Margin Account And How Do You Use It? appeared first on The College Investor.

Delta Flash Sale: Fly to the Pacific Northwest From 11,000 SkyMiles Round-Trip

Delta Flash Sale: Fly to the Pacific Northwest From 11,000 SkyMiles Round-Trip

by Brendan Dorsey @ The Points Guy

Delta is back with another flash sale, this one offering discounted flights to the Pacific Northwest. With this promotion you’ll be able to redeem as little as 11,000 SkyMiles (plus taxes and fees) for a round-trip flight to either Seattle (SEA) or Portland (PDX). The catch is that you can only fly to Seattle or …

Blooom: Finally, a Robo-Advisor to Help You Manage Your 401K

by Ashley Chorpenning @ PT Money

When you started your first job, were you offered a 401(k) account? And if you were, did you even know what that meant? PT's note: When I started my first big career job (nine months with KPMG out of Shreveport, LA) I never invested with the 401K! I didn't even get the match! It wasn't […]

The post Blooom: Finally, a Robo-Advisor to Help You Manage Your 401K appeared first on PT Money.

Best Free Checking Account for 2018 - The Simple Dollar

Best Free Checking Account for 2018 - The Simple Dollar


The Simple Dollar

Free checking accounts used to be commonplace, but as banking has grown more sophisticated it's also gotten more expensive. The Internet, though, has made

7 Best Online Checking Accounts in 2018 | MagnifyMoney

7 Best Online Checking Accounts in 2018 | MagnifyMoney


MagnifyMoney

You don't have the bank the old way with fees and taking trips to a local branch. These 5 best online checking accounts can change the way you handle money.

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…

Another Airport Restaurant is Now Participating in Priority Pass

Another Airport Restaurant is Now Participating in Priority Pass

by Katherine Fan @ The Points Guy

By now, you’re probably familiar with the Priority Pass membership that offers access to over 1,000 airport lounges in more than 500 cities around the world and how you can get it for free with certain premium travel cards such as the Platinum Card from American Express or the Chase Sapphire Reserve. But, the perks of membership …

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.

Best Free Checking Accounts of 2018 - NerdWallet

Best Free Checking Accounts of 2018 - NerdWallet


NerdWallet

Checking accounts are rarely free. Many banks charge fees that add up, even for no-frills accounts. But some financial institutions — many of them online-only businesses with no branches to…

Checking Accounts | Open a Checking Account | One Nevada Credit Union

Checking Accounts | Open a Checking Account | One Nevada Credit Union


One Nevada Credit Union

With several personal checking accounts to choose from, One Nevada Credit Union has options for everyone. Open a checking account today with our online application.

Breaking up is easy with bonkers.ie

by @ bonkers.ie blog

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

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

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

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

#BreakUpsByBonkers

Broadband, Phone & TV  

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

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

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

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

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

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

Gas & Electricity

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

Why? Simple. It pays to do so!

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

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

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

Mortgages

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

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

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

Check out this example to see what we mean:

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

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

Looking for more info?

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

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

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

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

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

10 Ways to Give More to Charity in 2018

by Philip Taylor @ PT Money

Ever heard of the “James Bond of philanthropy,” otherwise known as Chuck Feeney? He made it his life’s mission to give away his entire $7.5 billion fortune while he was still living. At the end of 2016 he gave away his last $7 million to Cornell University, leaving him only $2 million to live on […]

The post 10 Ways to Give More to Charity in 2018 appeared first on PT Money.

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.

6 Real-Life Money Lessons You Can Learn From Monopoly

by Kim Galeta @ Chime Banking

When I was growing up, my favorite board game was Monopoly. Recently, I decided to re-explore the game with my nieces and nephews. And, wow! I realize now just how many life lessons can be learned from this classic game. For starters, Monopoly is a game of strategy that offers ways to manage your money […]

The post 6 Real-Life Money Lessons You Can Learn From Monopoly appeared first on Chime Banking.

Free Online Checking Accounts [Stop Paying Fees] | PT Money

Free Online Checking Accounts [Stop Paying Fees] | PT Money


PT Money

This is my master list of free online checking accounts. Get my top pick for the best free checking account. Checking should be free--no bank fees.

The Problem with Overdraft Fees

by Paul Sisolak @ Chime Banking

“Overdraft” is not a word we like to hear. Why? It generally means you’ll be dinged with a fee you don’t want to pay. To clarify, an overdraft fee occurs when you don’t have enough money in your bank account to pay for a purchase. When this happens, your bank will pay for the transaction […]

The post The Problem with Overdraft Fees appeared first on Chime Banking.

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

by @ bonkers.ie blog

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

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

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

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

What are the details of the new scheme?

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

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

What are the eligibility criteria?

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

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

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

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

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

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

What mortgage rates are available?

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

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

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

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

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

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

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

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

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

How can I apply?

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

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

Pressure on the banks

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

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

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

A New Bank On The Block: Fee Free Banking with Simple

A New Bank On The Block: Fee Free Banking with Simple


Wise Bread

If you're looking for a great online bank with loads of tools and services and zero fees, check out the new bank in town: Simple.

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

by @ bonkers.ie blog

Electricity prices have been too confusing for too long.

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

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

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

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

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

ESRI findings support Estimated Annual Bill rule

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

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

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

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

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

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

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

Clarity for consumers

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

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

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

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

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

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

by @ bonkers.ie blog

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

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

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

The Shortlist:

  • Bord Gáis Energy

  • Eir

  • Electric Ireland

  • Energia

  • Flogas

  • Just Energy

  • KBC Ireland

  • Netflix

  • NOW TV

  • Pepper Mortgages

  • Permanent TSB

  • Pinergy

  • Pure Telecom

  • Sky Ireland

  • SSE Airtricity

  • Virgin Media

  • Virgin Mobile

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

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

Best Customer Service – public vote

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

A night to remember...

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

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

eir extends 12-month discount offers deadline

by @ bonkers.ie blog

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

Dualplay: eir Superfast broadband, Unlimited Mobile & UK Calls

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

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

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

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

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

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

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

Looking for mobile too?

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

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

FREE access to eir Sport

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

Is it time to sign up with a new provider?

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

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

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

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

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.

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.

List of Free Online Checking Accounts

List of Free Online Checking Accounts


The Dough Roller

The best free online checking accounts all provide solid interest rates without charging customers any kind of fees. Our list includes many popular banks.

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.

Bord Gáis Energy launches new bonkers.ie exclusive energy deals

by @ bonkers.ie blog

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

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

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

Save €194 on electricity

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

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

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

Save €254 on gas and electricity

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

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

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

Time to switch? 

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

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

Don’t forget to compare all deals

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

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

How To Optimize Your Investments For Tax Minimization

How To Optimize Your Investments For Tax Minimization

by Robert Farrington @ The College Investor

Do you feel you're paying too many taxes on investments? Learn how to optimize your investments for tax minimalization in this post.

The post How To Optimize Your Investments For Tax Minimization appeared first on The College Investor.

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