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ING Direct’s recent survey results about retirement are scary. I don’t know what the world is going to be like in thirty years, the time I’ll be approaching “retirement age.” I do know that if my pattern of increasing expenses doesn’t change until then, and if I’m still earning primary income by trading my time ... Continue reading this article…
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In a perfect word, I wouldn’t spread my money among more than one or two savings accounts. There is value in simplifying personal finances and I try to take that approach where possible. Forces are working against me, however, keeping my finances more complicated than they would be otherwise. Occasionally I review and evaluate banking products ... Continue reading this article…
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It’s a new year and a new decade. I expect the next ten years will fly by and 2020 will be here before I know it. Thinking about how fast the future is barreling towards the present is inspiring me to start making real changes in my life, and if there is an opportunity to ... Continue reading this article…
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Here’s a Black Friday sale I can appreciate. ING Direct is offering a $121 bonus for opening an Electronic Orange checking account today, Friday, November 27, 2009. This is a one-day only sale. According to ING Direct, consumers pay $121 in overdraft fees, on average, each year. Rather than charging overdraft fees, the Electric Orange includes ... Continue reading this article…
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Here in the Untied States, ING Direct, a banking arm of the large financial company ING Group from the Netherlands, offers more than just high-yield online savings accounts. The bank also offers investments and mortgages, and some of the latter may have been too risky, like those sold and packaged into securities by domestic banks. ING ... Continue reading this article…
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In an effort to attract more new deposits, ING Direct is offering a new savings product with a high interest rate, the “Added Value” certificate of deposit (CD). If you are willing to deposit new money to ING Direct and let the bank hold that money for one year without any withdrawals, ING Direct will ... Continue reading this article…
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Update: The waiting list is currently full. Keep reading Consumerism Commentary (or subscribe) to be notified when the waiting list is open again. ING Direct is one of my favorite banks due to their savings account. While ING Direct’s Online Savings Account does not offer the highest interest rate, they are consistently towards the top offering ... Continue reading this article…
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Every so often I address questions and comments I receive via email. If you have a question, please contact me using the form on this page. I try to respond to everyone, but it might take a while before I read every email I receive. From Mary Lynn: I really liked your article that explained how freecreditreport.com ... Continue reading this article…
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It has been awhile, but I now have a new set of $25 bonus referral links available for new customers of the ING Direct online savings account. ING Direct is currently, as of June 16, 2009, offering an interest rate yielding 1.5 percent APY on this savings account. Here is how this works. If you open an ... Continue reading this article…
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Even though ING Direct has lowered the interest rate offered on the Orange Savings Account, one of the most popular online savings accounts. The bank is still offering $25 bonuses to new customers who open this savings account or the high-yield paperless checking account with an initial deposit of $250 or more. In addition, ... Continue reading this article…
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It’s not your imagination. Banks are now looking for ways to actively discourage new deposit accounts. It’s not just through lowering interest rates, they are scaling back marketing. It makes sense from a business standpoint; the economy is not so great, so companies are saving their operating expenses. Here is a summary of the most recent ... Continue reading this article…
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It’s true that high-yield savings accounts offer interest multiples above what you can usually find from your typical state or national bank. For example, a “high performance” money market account (savings account) at Wachovia in my area earns a maximum of 0.8 percent APY — and that’s only on balances above $250,000. The APY ... Continue reading this article…
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I’ve refreshed the list of $25 bonus referral links for new ING Direct customers, and I’ve discovered what seems to be an interesting problem, possibly making it more difficult to use the links. First of all, in order to qualify for the $25 bonus, you must be a new customer and you must deposit at ... Continue reading this article…
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Ever get the feeling that someone is trying to get you to spend your money, perhaps to stimulate the economy? Banks seem to offer no encouragement for deposits lately. Here are some of the latest interest rate drops over the past few days.
Dollar Savings Direct has dropped from 4.0 percent to 3.5 percent APY (2.0 percent ... Continue reading this article…
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The way banks are dropping interest rates on savings accounts, you would think they don’t want your money. Most “high-yield” savings accounts now offer rates well under 3 percent. HSBC Direct is the latest to announce an interest rate cut, from 2.6 percent to 2.45 percent APY and is currently at 1.55 percent as of May 2009. ... Continue reading this article…
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As of earlier today, ING Direct, one of my choices among the best high-yield online savings accounts, has lowered the interest rates offered on its savings and checking accounts. The bank has lowered the yield on its savings account from 2.5 percent to 2.4 percent APY, while the rates on the two upper tiers of the checking ... Continue reading this article…
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HSBC Direct must have heard that I was planning to transfer some of my savings to the bank, which until yesterday had been offering 3.0 percent APY. Following other banks that lowered interest rates for the new year, HSBC dropped their interest rate 13 percent to 2.6 percent APY and is now 1.55 percent APY as of May ... Continue reading this article…
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Once again, I’ve refreshed the list of ING Direct $25 referral links. By using one of these links, a new customer can receive a $25 bonus for opening a new savings or checking account if the initial deposit is $250 or more. As these are “referral” bonuses, the person who provided the link will receive ... Continue reading this article…
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One thing to keep your eye on in 2009 is your savings account. Over the past few days, several banks have lowered the interest rates on high-yield savings accounts. This is not a good sign for those who want to have liquid assets without losing purchasing power. You may want to start the new ... Continue reading this article…
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If you do not already have an account at ING Direct and you’re interested in opening up a new savings account or checking account at this online bank, you can earn a $25 bonus just by using one of these referral links. If you transfer more than $250 as your initial deposit into your new ... Continue reading this article…
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