What Would You Do For $75.00?
Uber-model Linda Evangelista once said, “I don’t wake up for less than $10,000 a day.” Well, neither should you – if you’ll dial that back to 50-75 bucks.
Are you darn near flat-broke? If the needle on your fundometer is almost on “E”, why turn your nose up at free cash? That’s baby-sitter money, a nice dinner, or poker dough!
Capital One 360 simply wants to give you $50 and $25 to date them. Heck, if you wanted, you could close your accounts after you get your bonuses. Just say, “It’s not you, it’s me.” Then spend the $75 on tequila shots.
Remember, you don’t have to leave your current bank. You are just trying out these Capital One 360 bank accounts. They can co-exist. You didn’t get rid of your Pepsi products before you tried Coke. The scoop:
Read MoreStupid Tax Tip #1
According to my mailbox, it’s tax time. “The Running of the 1099s”, if you will. I got a note from ING DIRECT saying that I was not going to get a 1099. That’s right. They sent me something saying they weren’t going to send me something. They run a tight ship and I’m onboard! I betcha if ING does something that isn’t on their “To Do” list, they go back, write it on the list, then cross it off.
Why no 1099? I had my dough elsewhere in 2012. I didn’t earn $10 in interest at ING. That is the cut-off point. Banks don’t have to report less than $10 interest. If you made less than a sawbuck and the banks didn’t send you a 1099 – you don’t have to report it.
Stupid Tax Tip #1: Open 1,000 accounts. Put $100 in each. Don’t report interest.
Artwork: LeeRobert (I added the “$” icing – pretty sweet, huh?)
A Playa Can’t Make It Rain If…
A playa can’t make it rain if his grips are locked in a CD. Are you on the hunt for a place to park your cash and earn a li’l cheddar – but want to be able to access it?
A great savings rate for a liquid account is EverBank’s Yield Pledge Money Market Account. It pays 1.25% guaranteed for six months on balances up to $50K. To earn more, you’d have to sock it away in a CD for over a year or dabble in loan sharkuterie.
I’ve had this account before. All legit. FDIC insured. $1,500 to open. Must keep $5,000 daily average to avoid $8.95 monthly service fee. Free online banking and mobile check deposits – because people love photographing the fruit of their labor.
Everbank’s Pledge Checking Account is also 1.25% guaranteed for six months on balances up to $100K.
Since Everbank’s deals are for 1st time account holders, and I am no longer an EverBank virgin, I am going to move my dough to Ally Bank Savings (.95%). Other bigger banks that have decent rates are American Express Personal Savings (.90%), FNBO (.85%) and Capital One 360 Savings (.75%).
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ING’s 3-day “Sale” = Quick $125+
UPDATE for 2013 — ING DIRECT is now Capital One 360.
360 Checking (formerly Electric Orange)
360 Savings (formerly Orange Savings)
360 Kids Savings (formerly Kids Savings)
360 Money for Teens (formerly Money)
Shhh!!! ING DIRECT doesn’t know what “sale” means. They think it means to give away cash. Now through Sunday night ONLY, they will give you $125 if you open an Electric Orange account, $10 for a Kids Savings Account and more.
I have an Electric Orange account. No credit check. No Minimums. No fees. No tricks. No brainer. So, even if you have HORRIBLE credit you can open an Electric Orange and get $125. Where else can you make $125 in ten minutes this weekend?
Here’s the scoop on those “sales” and the others:
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Easy $76+ from ING (thru July 3rd)
UPDATE for 2013 — ING DIRECT is now Capital One 360.
360 Checking (formerly Electric Orange)
360 Savings (formerly Orange Savings)
360 Kids Savings (formerly Kids Savings)
360 Money for Teens (formerly Money)
ING DIRECT is giving away a lot of cash. Period. You must act by Tuesday night. If nothing else, get the first one and collect the easiest $76 you’ve made in a while. Okay, the legalist easiestest. It is something ANY adult can do:
$76 just for opening an ING Electric Orange account. No Minimums. Like I said – free money! You will have to make five purchases in 45 days with the debit card they send you, so you will want to have some money in there to pay for your five purchases. Go to the self-serve checkout at the grocery and buy 5 whatevers. Done and done! They’ll add $76 to your account by August 22nd. If you and the significant other do it, you will have $152 to blow at a schmancy steak joint. Okay, sushi. I’m staying out of it.
Get another $76 bonus for referring two friends who successfully open an ING Orange Savings account. Plus, each friend gets $25. Then they could do the ING Electric Orange $76 thing as well.
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ING Direct’s Remote Deposit has Arrived
UPDATE for 2013 — ING DIRECT is now Capital One 360.
360 Checking (formerly Electric Orange)
360 Savings (formerly Orange Savings)
360 Kids Savings (formerly Kids Savings)
360 Money for Teens (formerly Money)
Snap up your housecoat, don your Slanket and whip out your smartphone ‘cuz you are one step closer to never leaving the house. ING’s remote check deposit solution has finally arrived. “CheckMate” allows anyone with an ING DIRECT Orange Savings Account, Kids Savings Account, Electric Orange or MONEY to deposit checks from anywhere – even in front of a blooming bougainvillea.
No fees. Use the free mobile app or your computer. There’s a daily limit of $5,000 or 20 check deposits, whichever you reach first, and a check limit of $3,000. Read more about CheckMate’s basics and requirements. You can also watch a video of how it works:
Read More1.25% at TIAA Direct
Ever eat chicken wings, but are still hungry, so you graze over the pile of bones looking for scraps you missed? That’s what us “rate chasers” do perusing the best places for our cash.
Right now, The Big Cheese on Curd Mountain is TIAA. What the what? Man, I shouldn’t write posts on an empty stomach. TIAA’s High Yield Savings account has the best rate out there at 1.25% without having to jump through hoops. FYI: If you don’t mind leaping like a lord, CCU can give you 4.09% + $50.
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4.09% Interest Checking + $50
4.09% is atop the Rate Leader Board. Find it at Waukegan’s own Consumers Credit Union. Apply online. You can get a $50 bonus just for trying them out for two full months. The Free Rewards Checking rate is guaranteed through June 30, 2012 on deposits up to $10,000.
Think outside the box, outside the 9 dots, baby! Yes, this is a “checking” account, but think of this as an awesome 4.09% savings account. Having the Free Rewards Checking account does not mean you must close your current checking account and move all your banking to CCU. Take them up on their $50 offer (expired) to try them out. While doing so, get 4.09% interest on your money.
UPDATE: The $50 bonus has ended. Starting July 1, 2012 the 4.09% rate is scheduled to drop to 3.09% for balances up to $5,000.
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Arbitrage !!
Get Free Money: 0% Balance Transfer cards with No Transfer Fee: Chase Slate (15 months)
Get High Interest: 4.09% is at the top of the Leader Board at Consumers Credit Union + $50 bonus
No-Hoop Option: EverBank’s 1.05% on the Yield Pledge Checking Account. 6 month rate guarantee
$100 from Huntington Bank
Hun
tington Bank will give you $100 for opening up their Asterisk-Free Checking account. That’ll buy alotta Christmas cheer! Do it online by 9pm Eastern tonight. This offer is open to new checking customers who live in Ohio, Michigan, Pennsylvania, Kentucky, West Virginia and Florida. All you need to do is open a new checking account with at least $25. Then, either set up an automatic direct deposit into your checking account OR make 5 debit card purchases in 60 days. Money is money. No monthly checking maintenance fee. No minimum balance fee. No monthly debit card fee.
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