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ING Direct Threatened to Close My Account

by Flexo

For the second time this year, I received a nasty letter from ING Direct. I haven’t been diligent enough with watching my withdrawals. FDIC, the government organization that ensures that I can’t lose money my leaving cash in a bank account up to $100,000, also limits savings accounts to six withdrawals per month. For ING ... Continue reading this article…

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Question from Reader: Swiss Bank Accounts

by Flexo

Here’s a question I received from a reader regarding the Premium Certificate of Deposit accounts at Millennium Bank: Have you ever heard of a bank called Millennium Bank? They are Swiss, not FDIC insured, and will give me 7.25 percent on a 1-year CD, which is not redeemable until maturity. I really want to do it, ... Continue reading this article…

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Get Free Money: Comparing Cash Back (Rebate) Credit Cards

by Flexo

Almost all of my spending is done by credit card. It’s convenient and I receive cash back for every purchase. Since I pay the balance off every month, I never pay any interest charges or late fees. I don’t spend more than I normally would were I to use cash instead. I have a disciplined ... Continue reading this article…

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Automate Your Emergency Savings

by Flexo

David Bach, author of The Automatic Millionaire, offers suggestions for making your emergency savings automatic. Before we get to the tips, most people agree that building an emergency stash of cash that can last long enough to cover three to six months should be one of the first financial priorities, even for those in debt. ... Continue reading this article…

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Mail Check: Some “Goodies” Arrived for Me

by Flexo

I’ve been away from my apartment for almost a week, so I had a few goodies waiting for me upon my arrival home yesterday. I received a letter from Emigrant Direct with my activation code for their new website to be launched next Monday. Also, they included a notice that they will be raising their ... Continue reading this article…

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Current and Historical Checking and Savings Account Rates

by Flexo

Since many banks are constantly updating their interest rates offered on savings, money market and checking accounts, this chart should come in handy. On the 1st and 15th of every month, this page is updated to show the most accurate rate information available. This list is organized in two sections. The first section includes FDIC-insured ... Continue reading this article…

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PayPal Lowers Money Market Fund Rate

by Flexo

There is a lot of talk on the internets about online savings accounts raising their interest rates for customers; here’s something a little different. PayPal has been offering for a while a pretty high interest rate — over 4.25 percent — on money held in their money market fund. Unlike money market accounts and savings accounts, ... Continue reading this article…

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What To Do When Your Bank Is Merging

by Flexo

Marketwatch has published an interesting article with advice for customers whose banks are going through a merger. I’m no stranger to this phenomenon. When I was 16, I had my first bank account with New Jersey National Bank. It was sooner or later bought by or merged with CoreStates (Dec. 6, 1996), then First Union ... Continue reading this article…

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