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Saturday, November 27, 2010

Citibank® Dividend Platinum Select $100 Bonus - Official Thread

Hot off the block, The Citibank® Dividend Platinum Select is the latest card to offer $100 cash back bonus after $799 in purchases within the first 3 months of account opening along with 5% cash back in special categories in order to compete with the Chase Freedom($100 bonus) and Discover More($100 bonus). If you love cash back, then the Citi® Dividend Platinum Select MasterCard is the right cash back rewards card for you. They are currently running a 5% cash back on department, clothing and electronic purchases from now until December 31st 2010 which is great for the holiday shopping season. You will get 1% cash back on everything else up to $300 per year. More importantly, there is absolutely no annual fee!

Major Features

Balance Transfer – New cardholders get 0% introductory APR on balance transfers for 15 months.

$100 Bonus – $100 cash back after $799 in purchases within the first 3 months of account opening

Online Shopping Portal - There is also an online shopping portal called Citi Bonus Cash Center that gives cardholders to get extra rebates when shopping online.

5% Cash Back – Get 5% cash back on department, clothing and electronic purchases from 10/1/10-12/31/10 and then 5% cash back on drugstore, health care and fitness purchases from 1/1/11 to 3/31/11

The Citi® Dividend Platinum Select MasterCard is one of the premier cash back credit cards in today’s market. With the 5% rotating categories and $100 bonus sign-up, they are now in the same playing field as the Chase Freedom and Discover More. This card will make the most our of your salary with their online shopping portal, exclusive offers, and 15 months of 0% APR on balance transfer. Don’t wait any longer and apply today to get this phenomenal card!


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

Top Freebies at No Cost!

These are some of the best freebies I found on the net. They are completely free and it doesn't cost you anything to sign up. Simply use a junk email to get these offers. So sign up quickly before they ran out.

  1. Free Cotton Babies Diapers
  2. Free Gillette Venus Sample
  3. Free Enfamil Baby Sample
  4. Free Zachary Candy Corn
  5. Free Coppertone Water Babies Package, details apply
  6. Free Godiva Truffle Box , details apply
  7. Free Twilight Turtle or Sleep Sheep, details apply
  8. Free Grocery Coupons and Samples
  9. Free Diet Sample Pack
  10. Free Burt's Bees Toner

PenFed 3.99% APR Fixed Rate Home Equity Loan 120-Month

Those of you who are PenFed members, you can get a special online only rate of 3.99% on their 120 month fixed rate Home Equity Loan(HEL). This is a Fixed Rate Home Equity Loan which is just like a refinance on your mortgage except that there is no closing costs whatsoever. If you do get this HEL, they will give you a lump sum up front and you make fixed payment each month for 120-month. I intend on joining PenFed since it's really easy to join.

Here's how to join:

Pentagon Federal Credit Union, or Penfed, is the third largest credit union in the country. With over $9 billion in assets and 714000 members, they offer some of the best Home Equity Loan, Home Equity Line of Credit, and Car Loan rate in the country. The best part is anyone can join!

If you are affiliate in any way with the military, then check this application page. However, people who has no affiliation with the military can become eligible by joining the NMFA association. Joining NMFA will cost you a one time fee of $20. There is no need to renew membership.

Start at your online application page, then join the NMFA and Penfed, and fund your account with $5 via credit card. You will select a PIN number, and then receive a membership number. You will receive all your membership info in three days to your address.

Some great PenFed Credit Cards Offers:


The PenFed Platinum Rewards Card gives you Everyday 5% cash back on gas purchases(*pay at pump), 2% cash back on supermarket purchases, and 1% cash back on everything else. It’s credited monthly on your next statement.

PenFed Premium Travel Rewards American Express® Card gives you 5x Points on Airfare, get 3x Points on Dining and Hotels, and Points on Everything Else. Also, receive 20,000 bonus points when you spend at least $650 in the first 3 months – that could be enough for a free airline ticket. Use the points you earn to redeem for one of many other travel and retail items within the PenFed Premium Rewards program


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals, top bank bonus, 0% APR credit cards, and cash back stores.

Top Freebies at No Cost!

These are some of the best freebies I found on the net. They are completely free and it doesn't cost you anything to sign up. Simply use a junk email to get these offers. So sign up quickly before they ran out.

  1. Free Baby Samples
  2. Free Clorox Greenworks
  3. Free Febreze Freshener
  4. Free Glimmer Gloss Nail Enamel
  5. Free Rimmel Sweet Jelly Lip Gloss
  6. Free Special K Bliss Bars
  7. Free Diabetes Meal Planner
  8. Free $250 Grocery Card
  9. Free 40 York Photo Prints
  10. Free Neutrogena or Dove Cleansing Cloth

Capital One Rewards Checking Account $175 Bonus Promotion

According to fatwallet member kaveh2k, you can get a $175 bonus from Captial One Rewards with a checking account after your first direct deposit. He posted the flyer over there.

Here are the details:

-$50 min. balance required to open checking account.
-No min. balance requirement for the first year. After the first year, $8.95 per month for balances below $1,500.
-$175 credit will post to your open checking account 6-8 weeks after the first direct deposit.
-Promotion expires 12/31/2010


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals,top bank bonus, 0% APR credit cards, and cash back stores.

$5 Mr. Rebates Bonus and Top Cash Back for Online Shopping

Are you using shopping portals such as Fatwallet or Ebates? I highly recommend you to switch to Mr. Rebates ($5 bonus). They give you the highest cash back at most big name stores including Ebay, Best Buy, Priceline, etc. Mr. Rebates is easy, fast and very profitable with most cash back around 3-15%. Refer all your friends and family members to create a passive income stream. They have great customer services and a grade "A" from the Better Business Bureau. Make sure to go through Mr. Rebates portal to get cash back for all the hot deals.

ING Direct Black Friday Sale

Come back to this thread soon because ING Direct will have a Black Friday Sale Nov 26th - Nov 28th.

I believe last year, the did a $121 sign up bonus for Electric Orange checking with just three debit transactions.

At the current page:

"Check back between 12:01 AM ET Friday, November 26th and 11:59 PM ET Sunday, November 28th to take advantage of the biggest savings event of the year."

According to Bankdeals Guy

100% Cash Back Giveaway – Customers who use their Electric Orange debit card on Black Friday between 8:01am ET – 7:59pm ET will have a chance to win 100% cash back. We’ll select one transaction every hour (between 8AM – 8PM EST) and deposit 100% of the transaction amount back into the Customer’s Electric Orange Checking account. Essentially, your purchase will be on us if you win. All signature and PIN-based transactions are eligible. The maximum giveaway amount customers could win is $5,000. On Black Friday, follow @ingdirect on Twitter or visit We, the Savers (www.wethesavers.com/BlackFriday) to see who wins each hour. Participants must be 18 years old, no purchase necessary, see official rules. Remember, Electric Orange Checking is an interest bearing account with 35,000 free ATMs, free bill pay, no overdraft fees and no minimum balance required.

25% Off ShareBuilder Real-Time Trade commissions – This holiday season, why buy a toy when you can buy stock in the company that makes the toy? In order to help new and existing customers invest in their future, ShareBuilder is offering 25% off the cost of placing a real-time trade. As always, ShareBuilder has no minimums and offers investors the ability to purchase partial shares. The rebate applies to all real-time trades executed on Friday, November 26th and Monday, November 29th. The rebate will be credited back to qualifying accounts approximately two to four weeks following the close of the promotion.



Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals,top bank bonus, 0% APR credit cards, and cash back stores.

Quick Free FICO Score and Report

What is a FICO score? It's a number that is formulated based on your credit history helping lenders evaluate your credit risk. Your FICO score is used to determine credit offers and interest rate. Now it's free. The factor used to determine your mortgage rates, car loans and credit card terms. 90% of the largest banks use your FICO score for credit decisions. A 100 point difference in your FICO score could mean over $40,000 extra in interest payments over the life of a 30 year mortgage on a $300,000 home loan.

Wednesday, November 24, 2010

RBC Bank $50 Gift Card $25/$25 Bonus Referral - Local - Alabama and North Carolina

$25 / $25 referral program - RBC bank USA : open an RBC Bank checking account with a debit card and make 3 debit card purchases within 30 days;
If you are from Alabama or North Carolina, you can visit your local RBC Bank and get this $50 gift card bonus for opening a new account.

Bonus Details:


1) Try Free Online Banking & Bill Pay and Get up to 3,000 Bonus Reward Points Over 90 days1
-Sign up for Free Online Banking & Bill Pay, make 3 bill payments per month for 3 months and we'll give you 1,000 BONUS RBC Rewards Points for each of those months.

2) Apply for an RBC Bank Visa Platinum Credit Card & we'll give you 3,500 Bonus RBC Rewards Points!3
- 3,000 when you make your first purchase & another 500 when you register your card online with RBC Rewards.

$25 Referral Bonus

You can maximize your bonus by using their referral program.
Get $25 for you and your friends, family or colleagues can simplify their finances with our convenient and flexible account solutions; and also enjoy personal service and knowledgeable advice in a relationship where the client always comes first.

Here's how it works:

-Click the button below and complete the form to email your friend(s) OR download the Refer-a-Friend coupon.
-Your friend opens an RBC Bank checking account with a debit card and makes just 3 debit card purchases within 30 days.
-We'll deposit $25 into both of your accounts.


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

Top Freebies at No Cost!

These are some of the best freebies I found on the net. They are completely free and it doesn't cost you anything to sign up. Simply use a junk email to get these offers. So sign up quickly before they ran out.


  1. Free Diabetes Value Pack
  2. Free Purell, Chapstick, Nestle, and More
  3. Free Tazo Tea, Clif Bar, and Body Lotion
  4. Free Lubriderm and St. Ives
  5. Free Diabetic Meter
  6. Free Levitra Tablets
  7. Free Crystal Light Sample
  8. Free Kashi GoLean Samples, details apply
  9. Free Jungle Grub Snack Bars, details apply
  10. Free Listerine Whitening Strips, details apply

Chase Printable $100 Coupon 11/30/2010 - Nationwide

The $100 Chase personal checking bonus coupon is now alive! It's good until 11/30/2010, but we all know that Chase will take it down. I strongly suggest you print out one right now.

Make sure to read the fine terms:

Bonus/Account Information — Offer not available to existing Chase checking customers. Offer valid through 11/30/10. To qualify for the bonus you must open a new Chase CheckingSM Account with a $100 minimum deposit of new money (money not currently held by Chase or its affiliates). Also, within 60 calendar days of account opening, we must receive from your employer or the government a monthly electronic direct deposit of your payroll, pension or government benefits, such as Social Security. The bonus will be deposited into your new account within 10 business days after your initial direct deposit is posted to your account. Bonus is not considered part of minimum opening deposit. Limit one checking account-related reward/premium per customer, per calendar year. Offer not available on account conversions or in combination with any other offer. Employees of JPMorgan Chase Bank, N.A. and our affiliates are not eligible. Checking account must remain open for a minimum of six months or the bonus will be debited from the account at closing. Account is subject to approval. Bonus is considered interest and will be reported on IRS form 1099-INT.

Get a $100 cash bonus when you open a Chase CheckingSM account and set-up direct deposit. You'll need a $100 minimum opening deposit. With so many branches and thousands of ATMs, banking with Chase couldn't be more convenient.

Chase allows 1 bank bonus per year. You need to keep the account open for at least 6 months. Otherwise, the bonus will be taken back. I'm pretty sure they will take the offer down before the expiration date, so print it now!

The physical locations are in Arizona, Colorado, Connecticut, Florida , Illinois, Indiana, Kentucky, Louisiana, Michigan, New Jersey, New York, Ohio, Oklahoma, Texas, Utah, West Virginia and Wisconsin. I believe anyone can sign up online.


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

ING Checking $50 Bonus

Get a $50 bonus for signing up Electric Orange checking account. Click through the link, then apply now button, hit the continue button, and make sure to put in the offer code EM525 in the reference box. In order to qualify, you must make 3 signature based debit transactions in 45 days after account opening. Make sure to put the offer code EM525 and sign through this link.  

Monday, November 22, 2010

FAQs to the Credit Card Accountability Responsibility and Disclosure Act.

Some frequently asked questions answered, as found in the February issue of Kiplinger,

I know that my bank can’t raise my interest rate anymore if I pay my credit-card bill on time, even if I am late paying other bills. But can an issuer restrict use of my card in other ways?

Yes. Under the Credit Card Accountability Responsibility and Disclosure Act, if your credit report shows late payments, your card issuer could decide you have become a risky customer and cut your credit limit, impose an annual fee or raise your interest rate on future transactions. You must receive 45 days’ notice of any such change.


What happens if I decide to opt out of a rate increase?

After you notify your credit-card issuer, you won’t be able to use the card to make new purchases. You will have five years to pay off your account balance at the old rate, but you can’t be required to make monthly payments that exceed twice the old minimum payment.


I bought a new refrigerator using my card last spring and was able to defer payments for 12 months. But if I don’t pay off the balance by the end of the grace period, interest is applied retroactively to the purchase date. Here’s my problem: If payments now go to the highest-rate balance, how can I pay off the 0% deferred balance?

Don’t worry. There’s an exception to the highest-balance payment hierarchy. During the last two billing cycles before a deferred-payment period ends, all payments above the minimum must go toward paying off the deferred balance. So you could pay off the deferred balance in the final month and avoid interest charges.


My credit-card company used to insist that my payment arrive by 10 a.m. on the day that it was due and charged a fee if I didn’t meet the deadline. Do the new rules offer any relief?

The CARD act imposes clear and simple payment rules. Payments are always due on the same day of the month and are considered to be on time if they are posted by 5 p.m. If the due date falls on a weekend or holiday and your payment isn’t processed until the next business day, it is still considered on time. Your card issuer may not charge you a fee to pay by phone or electronic transfer unless you receive expedited service.


Can retailers still offer customers approval for a store credit card at checkout?

The CARD act requires that issuers consider your ability to pay before extending credit. Previously, retailers could enter your name, address and Social Security number into the computer, get your credit score and decide whether you were creditworthy. It’s unclear how the new system will work and how much financial information you will have to provide.


Does the CARD act apply to gift cards?

Yes, although the provisions that cover them do not go into effect until August. After that, gift cards will have to remain valid for five years. Inactivity fees will be forbidden unless the card has not been used for 12 months. You may not be charged a fee to replace an expired card, but you may still be charged a fee of $4 to $8 to purchase or activate a new card.


Will my monthly statement look different?

Yes, it will show how much you really pay in principal and interest if you make only the minimum payment, as well as how long it will take to pay off your entire balance. It will also tell you how much you’d have to pay each month to repay the balance in 36 months and the total amount you will pay[MSOffice1] in principal and interest. Plus, the statement must conspicuously display the payment due date, any late-payment fees and the late-payment penalty rate.


I never keep those fine-print agreements that come with new credit cards. Is there a way to verify the terms and conditions of my card?

Yes, issuers must now post card agreements on their Web sites and provide a copy to the Federal Reserve Board, which will compile and post them on its Web site, www.federalreserve.gov.


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals, top bank bonus, 0% APR credit cards, and cash back stores.

Earn Maximum Cash Back with BigCrumbs  

If you do shopping online, then you must shop through BigCrumbs. They are my favorite cash back site behind Mr. Rebates ($5 bonus).  Some of BigCrumbs cash back are even higher than Mr. Rebates so make sure to check both sites when shopping online. Tell all your friend and family about BigCrumbs and create an online passive income with their generous referral program. I would sign up for both Big Crumbs and Mr. Rebates to get the maximum cash back for online shopping. Simply log-in your account and search for the store, then it will take you to the regular website. Cash back can be deposited back into your Paypal account.   

4 Surefire Ways to Cut Your Monthly Mortgage Payment

1. Pay extra towards your principal.

2. Make bi-monthly payments on your own.

3. Switch to a 15-year mortgage from a 30-year.

4. Consider refinancing.

Here are some questions you'll need to answer:

How long do you plan to keep your loan? You should plan on keeping your loan—staying in your home and not refinancing—for at least three years. Nobody has a crystal ball, but it's something to think about. Staying at least three years makes the costs of refinancing worthwhile.

How long will it take to recoup your closing costs? I've never refinanced without mortgage closing costs and fees. Anyone that tells you differently is lying: Refinancing is never free. So you have to figure out how long it will take to get these costs paid off and your real savings to start. If you have to pay $2,500 in closing costs, but your monthly payment will be $100 lower, your real savings would begin after 25 months—which sounds a little too long for me. I'd want to get my money back in 18 months or less before I pull the trigger.

How much lower will your interest rate be? Refinancing a 7 percent loan down to 6.25 percent just doesn't make sense. The actual savings just aren't there. I've always used the benchmark of lowering your rate by at least 2 percentage points, or close to it. If a lender runs numbers that don't approach a two-point reduction, you're probably wasting your time.

I'll give you a great example. I just input the terms to the mortgage I'm paying off now. If I refinanced my 5.75 percent loan down to 5.25 percent, my monthly payment would drop by $66 per month. Sounds great, right? Wrong: The interest over the life of the loan would increase by almost $5,600, because if I roll the closing costs into the loan, the actual amount of the loan goes up. Also, you're getting into a new 30-year loan. The additional interest paid on the larger principal for a longer timespan means it's not worth doing.

But if you lower your rate by at least 2 percent, it makes sense to do it. The loan goes up, but in the end you're saving money.

Who do you trust? This is the most important question. You need a trustworthy point of contact who understands mortgages and interest rates. These numbers can be easily manipulated, sticking you with a refi that looks like it's saving you money but is actually costing you more. Find a guide you already trust or can start to trust; someone among your family, friends, or coworkers can make a recommendation.

https://getcurrency.com/blog/4-suref...rtgage-payment


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

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Top 10 Best Hosting Services

To make money online, starting a website with good hosting services is a must. Below are some of the best hosting services on the net. They provide excellent and extremely low prices. Most provide free domain and hosting for around $5 a month.

  1. FatCow - FatCow $44 Plan - $3.67 a month - Click for Moo Details!
  2. Bluehost - Free Domain With $6.95 Hosting Package
  3. Westhost - 1 Year Free Hosting on Westhost + up to $75 in Paid Search Credits
  4. Hostgator - Hosting plans starting at $4.95 a month. 
  5. HostRocket - 1000GB 50GB Web Hosting for only $4.95/month. 10 Domain Names
  6. PowWeb - 1,500 GB + 15,000 GB, Free Setup, *On Sale* $3.88/month!
  7. WebHostingPad - Free domain, unlimited hosting, hassle free for $3.95/month. 
  8. StartLogic - Free setup/domain, Web builder, unlimited emails, PHP, FrontPage. From $5.95/month.
  9. Super Green - The Internet's No1 Green Web Hosting Provider. $4.95 per month. 
  10. JustHost - $3.45 per month. Free domain for life. Instant setup, free sitebuilder, and many more.

Chase $125 Checking Account Bonus Coupon til 12/15/2010

To find out how you can get the Chase $125 bonus coupon, you must do the following:

1. Sign up for free membership with Rebates Money (less than two minutes and confirm your email).
2. Email me hustlermoneyblog@gmail.com along with your member name.
3. I will send you a copy of the coupon.

Enjoy these Chase CheckingSM benefits:


* FREE access to over 15,000 Chase ATM’s nationwide
* FREE Online Bill-Pay – including our Online On-Time GuaranteeSM
* FREE Chase Debit Card with built-in security
* FREE Account Alerts sent by phone or e-mail to help you avoid fees
* MORE than 5,100 Chase branches
* NO monthly service fee with direct deposit or 5 debit card purchases*

Open a Chase CheckingSM account and set up direct deposit today.
But hurry – this offer ends December 15, 2010.

*Important Information/Service Fee: Chase checking has no monthly service fee when you have five or more debit card purchases or a direct deposit post to your account each statement period, otherwise a $6 monthly service fee will apply. The direct deposit qualifier changes to at least one direct deposit of $500 or more and takes effect with statement periods beginning after February 8, 2011.

Make sure to read the fine terms:

Bonus/Account Information – To qualify for the bonus you must open a new Chase CheckingSM account with a $100 minimum opening deposit of new money (money not currently held by Chase or its affiliates). Also, within 60 calendar days of account opening, we must receive from your employer or the government a monthly electronic direct deposit of your payroll, pension or government benefits, such as Social Security. The bonus will be deposited into your new account within 10 business days after the initial direct deposit has posted to your account. Limit one personal checking account-related bonus/premium per customer, per calendar year. Offer not available on account conversions or in combination with any other offer. bonus is not considered part of the minimum opening balance. Checking account must remain open for a minimum of six months or the bonus will be debited from the account at closing. Account is subject to approval. bonus is considered interest and will be reported on IRS Form 1099-INT.

Get a $125 cash bonus when you open a Chase CheckingSM account and set-up direct deposit. You’ll need a $100 minimum opening deposit. With so many branches and thousands of ATMs, banking with Chase couldn’t be more convenient.

Chase allows 1 bank bonus per year. You need to keep the account open for at least 6 months. Otherwise, the bonus will be taken back. I’m pretty sure they will take the offer down before the expiration date, so sign up for free membership then email me hustlermoneyblog@gmail.com with your member name for a Chase bonus coupon.

The physical locations are in Arizona, Colorado, Connecticut, Florida , Illinois, Indiana, Kentucky, Louisiana, Michigan, New Jersey, New York, Ohio, Oklahoma, Texas, Utah, West Virginia and Wisconsin. I believe anyone can sign up online.


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

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Top 5 Dating Sites

Are you looking for a fun and exciting online dating site? Below is a list of the top 5 dating sites with all aspects of dating and relationships and has the largest variety of relationship types to choose from.

  1. Chemistry - Find Chemistry, Free for 14 days!
  2. Match - Match.com 6 Month Guarantee.
  3. FriendFinder - Join for free and meet local singles for dating, romance, fun, and more.
  4. PerfectMatch - Get a Free Compatibility Profile Plus 2 Months Free.
  5. MatchMaker - Join Now and Find a Date Today!

Kim Kardashion Launches Prepaid Credit Card, KARD

Kim Kardashian teamed up with MasterCard to create a prepaid credit card targeted to teens as young as 16 years old. The card allows parents to put a predetermined amount of money on the card, then track their teens' spending habits via cell phone.

"It is clear that the Kardashians are very wealthy, Kim also just spent $30,000 on a purse," a representative for Mobile Resource said in a statement to ABCNews.com. "They can well afford their expenditures. They wanted to take state of the art technology to their fan base, providing them with a vehicle to protect their money and control and track their spending with all instant alerts to their cell phone."

The Kardashian card isn't the first prepaid credit card targeted at teens. The Visa Buxx card, which also allows parents to put a fixed sum of money on an account, was launched last decade.

Kardashian Prepaid MasterCard:
Card Purchase (Includes monthly fees for 6 months) $59.95
Card Purchase (Includes monthly fees for 12 months) $99.95
Monthly Fee (Applies after initial purchase period) $7.95
Card Replacement - Primary or Companion $9.95
ATM Withdrawal - Domestic $1.50
ATM Inquiry or Decline - Domestic $1.00
ATM Withdrawal - International $2.50
ATM Inquiry or Decline - International $2.00
Point of Sale - Decline -Domestic $1.00
Point of Sale - Decline - International $1.00
External Checking or Savings Transfer (To/From) $1.00
Account to Account Transfer * $1.00
Retail Load Fee (MoneyGram) $1.00
Load Account by Debit/Credit Card ** $1.00
Cancel Account - Request Balance Mailed by Check $6.00
Service Center Care-Live operator $1.50
Bill Pay - Per Item $2.00
Replacement Card Expedite Fee (Overnight) $25.00
* Fee for transferring money from external accounts and to other cardholder accounts
** 2.5% surcharge of transaction amount applies


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals, top bank bonus, 0% APR credit cards, and cash back stores.

Top Legit Paid Survey Sites

In need of extra income? Filling out surveys in your free time can be a great source of side income. You want to get another email to use for doing surveys for extra cash. Below are all the legit paid survey sites online!

  1. Vindale Research
  2. Pinecone Research
  3. Synovate Global Opinion Panels
  4. SendEarnings
  5. GlobalTestMarket
  6. OnDemand Research
  7. ECN Research
  8. Survey Downline
  9. Survey Head
  10. Lightspeed International
  11. Winning Surveys
  12. Survey Adventure
  13. Survey Networks
  14. Survey4Profit
  15. Survey Taker Panel

Sunday, November 21, 2010

Write 10 Reviews to Get $10 Amazon Gift Card for Viewpoints.com

If you are already shopping on Amazon and review their products, you might as well get a $10 gift card when you sign up to viewpoints.com promotion. From now until November 30th, simply write 10 reviews to get the $10 bonus.

Qualifying reviews must:

-be written between November 15th - November 30th

-be at least 1 full paragraph long (900 characters to be exact). The character counter provided on the review form will show the count as you type your review.

-fall within qualifying categories: Home & Garden, Family & Pets, Health & Beauty, Kitchen (excluding food and beverages) and Computers & Electronics.

-be about real products; inappropriate or bogus content is removed

-not be combined with any other offer

From the website:


Entry: You can participate in the "10 for $10" promotion in the following way: Submit 10 qualifying reviews to Viewpoints.com beginning November 15th, 2010 (12:01 AM Central time) and receive a $10 Amazon.com Gift Card claim code. The Promotion is valid until the first 20,000 reviews are received or until November 30th, 2010 (11:59 PM Central time), whichever comes first. The maximum payout per user is one Amazon.com Gift Card claim code.


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

Top Freebies at No Cost!

These are some of the best freebies I found on the net. They are completely free and it doesn't cost you anything to sign up. Simply use a junk email to get these offers. So sign up quickly before they ran out.

  1. Free Cotton Babies Diapers
  2. Free Gillette Venus Sample
  3. Free Enfamil Baby Sample
  4. Free Zachary Candy Corn
  5. Free Coppertone Water Babies Package, details apply
  6. Free Godiva Truffle Box , details apply
  7. Free Twilight Turtle or Sleep Sheep, details apply
  8. Free Grocery Coupons and Samples
  9. Free Diet Sample Pack
  10. Free Burt's Bees Toner
 

Bank of Kansas City $100 Checking Account Bonus - Local - Kansas & Missouri

According to this local newspaper Ad, you can get $100 checking account bonus from Bank of Kansas City. You must visit their local branch in Kansas and Missouri.

Bonus is good until 1/13/2011


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals, top bank bonus, 0% APR credit cards, and cash back stores.

Top Freebies at No Cost!

These are some of the best freebies I found on the net. They are completely free and it doesn't cost you anything to sign up. Simply use a junk email to get these offers. So sign up quickly before they ran out.


  1. Free Baby Samples
  2. Free Clorox Greenworks
  3. Free Febreze Freshener
  4. Free Glimmer Gloss Nail Enamel
  5. Free Rimmel Sweet Jelly Lip Gloss
  6. Free Special K Bliss Bars
  7. Free Diabetes Meal Planner
  8. Free $250 Grocery Card
  9. Free 40 York Photo Prints
  10. Free Neutrogena or Dove Cleansing Cloth

Friday, November 19, 2010

Register to win a $10 to $10,000 Citi Prepaid Card

If you already have a Citi card and currently using one, you might as well register to have a chance to win a $10 to $10,000 prepaid Citi card. It only takes a couple of minutes to sign up.

Promotion:

•Register now and use your Citi card on eligible purchases from November 15th through December 31st.
•Every eligible purchase is an automatic entry.
•Thousands of Citi customers will win each week.
You could be one of them.

Do the followings:

Enter your date of birth, your state of residence, and your Citibank credit card



Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals,top bank bonus, 0% APR credit cards, and cash back stores.

$5 Mr. Rebates Bonus and Top Cash Back for Online Shopping

Are you using shopping portals such as Fatwallet or Ebates? I highly recommend you to switch to Mr. Rebates ($5 bonus). They give you the highest cash back at most big name stores including Ebay, Best Buy, Priceline, etc. Mr. Rebates is easy, fast and very profitable with most cash back around 3-15%. Refer all your friends and family members to create a passive income stream. They have great customer services and a grade "A" from the Better Business Bureau. Make sure to go through Mr. Rebates portal to get cash back for all the hot deals.

Extra $100 Cash Bonus American Express NYC Holiday Shopping Promotion

Those with an American Express credit card such as the Blue Cash($25 bonus), Starwood Preferred Guest($100 bonus), or Premier Gold($150 bonus), you now now get an extra $100 cash back for using your card at the 200+ NYC stores from 12/1 - 12/24.

Details:

Spend $250, Get $50 Back
Spend $500, Get $100 Back

List of Eligible stores

Noteworthy Stores:
Toys R Us, Sephora, H&M, French Connection, Diesel, Betsey Johnson, Calypso, and more!

American Express Terms and Conditions:

*To be eligible for this offer, you must register any eligible American Express® Card at amexnetwork.com/getmoreholiday between November 15, 2010 and December 24, 2010. Registration is limited to the first 7,500 enrollees. You may only register one Card for this offer. Using the same registered Card for each transaction, you must make one or more purchases at participating merchants from December 1, 2010 to December 24, 2010 that total $250 or more to receive a $50 statement credit to your account or $500 or more to receive a $100 statement credit to your account. Offer not valid on gift cards or online purchases, except for purchases at spafinder.com. A list of participating merchants is available at nycgo.com/getmorenyc. Prepaid and corporate cards, and Express Pay transactions are not eligible. If your Card is replaced during the promotional period, please call the customer service number on the back of your Card for assistance. Statement credits are generally issued within five business days after your qualifying purchase, but may take up to two billing cycles to post to your account. Additional terms apply; see registration website for details.


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals,top bank bonus, 0% APR credit cards, and cash back stores.

Quick Free FICO Score and Report

What is a FICO score? It's a number that is formulated based on your credit history helping lenders evaluate your credit risk. Your FICO score is used to determine credit offers and interest rate. Now it's free. The factor used to determine your mortgage rates, car loans and credit card terms. 90% of the largest banks use your FICO score for credit decisions. A 100 point difference in your FICO score could mean over $40,000 extra in interest payments over the life of a 30 year mortgage on a $300,000 home loan.

Some ways to save money during christmas

1. Gift Exchanges. Each member of the family draws a name from a hat and purchases one gift for that person only. You can set spending limits, include gag gifts, and even agree to still buy gifts for each child in the family if you so choose to help keep it fun for all involved.

2. Forgo the Gifts. Try suggesting the entire family get together for a special event or a nice meal and forgo the gifts. This can cut back on your overall holiday spending and you may end up with great memories.

3. Share a Christmas. Instead of purchasing gifts for each other, get together with co-workers or your extended family and agree to do a public service project together for the holidays. Donate time at the local homeless shelter or soup kitchen, volunteer at your local animal shelter, or agree to do yard work and clean house for an elderly couple in your neighborhood. You can bake cookies and deliver them to residents of a nursing home who cannot visit with family over the holidays, clean out your closets to donate to the local clothing bank or Salvation Army, or go grocery shopping and donate the items to the food pantry.

4. Buy Gift Cards. Gift cards may seem very impersonal, but your family may well appreciate a gift card for gas, groceries, or some essential item more so than an artistic dust-collecting figurine or some expensive smelly perfume they will never wear. Plus, many companies offer special discounts and bonuses for purchasing multiple gift cards around the holidays. You can save money and give a gift that will actually be used.

5. Bake Your Gifts. Everyone loves a sweet treat at Christmas, so borrow your grandma’s amazing fudge recipe, bake up your favorite cookies and candies, and package them in pretty paper for holiday gifts this year. You can even plan baking parties with your friends and share the fruits of your labor to gain a wider variety of items to give away.


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

Top Freebies at No Cost!

These are some of the best freebies I found on the net. They are completely free and it doesn't cost you anything to sign up. Simply use a junk email to get these offers. So sign up quickly before they ran out.

  1. Free Diabetes Value Pack
  2. Free Purell, Chapstick, Nestle, and More
  3. Free Tazo Tea, Clif Bar, and Body Lotion
  4. Free Lubriderm and St. Ives
  5. Free Diabetic Meter
  6. Free Levitra Tablets
  7. Free Crystal Light Sample
  8. Free Kashi GoLean Samples, details apply
  9. Free Jungle Grub Snack Bars, details apply
  10. Free Listerine Whitening Strips, details apply

GM to offer its shares to the public in an IPO

Last year General Motors (GM) filed for Chapter 11 protection and GM received billions of dollars of taxpayers money to stay afloat and reconstruct, which made the U.S. government its largest shareholder. GM appears to have turned things around as 2010 will be now the world’s second largest car maker’s first profitable year since 2004.

This week, GM will again offer its shares to the public in an IPO that could fetch $10 billion, making it one of the top 5 biggest IPOs in U.S. history. According to Renaissance Capital, GM is expected to price its shares in the $26 to $29 range Wednesday and begins trading on Thursday under symbol GM on NYSE. Renaissance Capital also reported that the midpoint could be revised to the low $30 range and increase the number of shares due to high demand. The market value of GM will be at $49 billion even at the midpoint of the $26 – $29 price range.


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

ING Checking $50 Bonus

Get a $50 bonus for signing up Electric Orange checking account. Click through the link, then apply now button, hit the continue button, and make sure to put in the offer code EM525 in the reference box. In order to qualify, you must make 3 signature based debit transactions in 45 days after account opening. Make sure to put the offer code EM525 and sign through this link.  
 

Wednesday, November 17, 2010

Guaranty Bank $75 Checking Bonus - Local - Many States

For people living in Wisconsin, Illinois, Michigan, Minnesota, or Georgia, you can get a $75 Checking Bonus from Guaranty Bank. The bonus flyer can be found on this thread at Fatwallet. To get the first $50, you must set up direct deposit such as payroll, retirement or Social Security check. Another $25 can be earned by making three payments using their billpay. Offer is good until November 30th 2010.


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals, top bank bonus, 0% APR credit cards, and cash back stores.

Earn Maximum Cash Back with BigCrumbs  

If you do shopping online, then you must shop through BigCrumbs. They are my favorite cash back site behind Mr. Rebates ($5 bonus).  Some of BigCrumbs cash back are even higher than Mr. Rebates so make sure to check both sites when shopping online. Tell all your friend and family about BigCrumbs and create an online passive income with their generous referral program. I would sign up for both Big Crumbs and Mr. Rebates to get the maximum cash back for online shopping. Simply log-in your account and search for the store, then it will take you to the regular website. Cash back can be deposited back into your Paypal account.   
 

Chase Freedoom 5% Cash Back on Dept. Stores, Movie Theaters, and Grocery Stores

From now until December 31st, you can get 5% cash back on department stores, movie theaters, and grocery stores for using your Chase Freedom credit card($100 bonus). You would still get the 1% cash back on all other qualified purchases.

From the website:

* You must be enrolled in Chase Freedom by December 14, 2010.
* It will take 6 to 8 weeks after the close of the promotional period for your bonus rewards to post.
* The maximum bonus reward you can accumulate with this promotion is $60, or 6,000 points. 



Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

Top 5 Dating Sites

Are you looking for a fun and exciting online dating site? Below is a list of the top 5 dating sites with all aspects of dating and relationships and has the largest variety of relationship types to choose from.


  1. Chemistry - Find Chemistry, Free for 14 days!
  2. Match - Match.com 6 Month Guarantee.
  3. FriendFinder - Join for free and meet local singles for dating, romance, fun, and more.
  4. PerfectMatch - Get a Free Compatibility Profile Plus 2 Months Free.
  5. MatchMaker - Join Now and Find a Date Today!
 

Best Online Savings Account

The December issue of Kiplingers magazine is out, with its 2010 Best List. Sallie Mae Bank Savings Account was this year’s recipient of the Best Online Savings Account award because the bank offers a high-yield savings account that has “no monthly fees and a respectable rate.”
Unfortunately, the good time can only last so long. Last week, the bank lowered the rate from 1.40% to 1.30%. Another bank which lowered savings account rate is Ally Bank, going quietly from 1.29% to 1.20%.

Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

Top 10 Best Hosting Services

To make money online, starting a website with good hosting services is a must. Below are some of the best hosting services on the net. They provide excellent and extremely low prices. Most provide free domain and hosting for around $5 a month.


  1. FatCow - FatCow $44 Plan - $3.67 a month - Click for Moo Details!
  2. Bluehost - Free Domain With $6.95 Hosting Package
  3. Westhost - 1 Year Free Hosting on Westhost + up to $75 in Paid Search Credits
  4. Hostgator - Hosting plans starting at $4.95 a month. 
  5. HostRocket - 1000GB 50GB Web Hosting for only $4.95/month. 10 Domain Names
  6. PowWeb - 1,500 GB + 15,000 GB, Free Setup, *On Sale* $3.88/month!
  7. WebHostingPad - Free domain, unlimited hosting, hassle free for $3.95/month. 
  8. StartLogic - Free setup/domain, Web builder, unlimited emails, PHP, FrontPage. From $5.95/month.
  9. Super Green - The Internet's No1 Green Web Hosting Provider. $4.95 per month. 
  10. JustHost - $3.45 per month. Free domain for life. Instant setup, free sitebuilder, and many more.

Consumer’s Guide to Credit Reports and Credit Scores

The Federal Reserve issued an online guide to credit reports and credit scores. The Consumer’s Guide to Credit Reports and Credit Scores contains basic information such as the contents of credit reports, how credit scores are used, the importance of protecting personal credit histories and how to obtain a free credit report.

Under the Credit Score section, you can find answers to questions such as “How is my credit score calculated?” which include:

* the number and type of accounts you have (credit cards, auto loans, mortgages, etc.);
* whether you pay your bills on time;
* how much of your available credit you are currently using;
* whether you have any collection actions against you;
* the amount of your outstanding debt; and
* the age of your accounts.

The online guide also has tips on how to improve you credit score and how to correct errors in your credit report.


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals, top bank bonus, 0% APR credit cards, and cash back stores.

Top Legit Paid Survey Sites

In need of extra income? Filling out surveys in your free time can be a great source of side income. You want to get another email to use for doing surveys for extra cash. Below are all the legit paid survey sites online!


  1. Vindale Research
  2. Pinecone Research
  3. Synovate Global Opinion Panels
  4. SendEarnings
  5. GlobalTestMarket
  6. OnDemand Research
  7. ECN Research
  8. Survey Downline
  9. Survey Head
  10. Lightspeed International
  11. Winning Surveys
  12. Survey Adventure
  13. Survey Networks
  14. Survey4Profit
  15. Survey Taker Panel

Monday, November 15, 2010

GiftsForBanking.com Free iPad and Samsung Digital Camera for opening a new CD account

If you have $25K and looking to open a CD with a 2.0% APY, you can get a free iPad and Samsung digital camera at GiftsforBanking.com. You must put the $25K in at least for 3 years in a CD to get the iPad Ultimate Camera Bundle. Offer ends 11/29/2010.

The iPad Ultimate Camera Bundle includes:

* 32GB Apple iPad
* Apple iPad Camera Connection Kit
* Samsung 12.2 Megapixel Dual LCD Digital Camera
* fūl Overton Backpack

From the website:

*Annual Percentage Yield. APY's are effective as of 10/20/10 and are subject to change without notice. There is a substantial penalty for early withdrawals, including the value of the gift chosen. The value of all gifts will be considered as interest on your account for tax purposes in the first year the account is opened. A 1099-INT statement for the gift amount (including applicable sales tax and delivery costs) will be issued. The value disclosed is the cost of the promotional award if fulfilled through an incentive program and may differ from the fair market retail value. Please allow up to three weeks from the time that you place your gift order for delivery of gifts. Photos of gifts may not be exact model. GiftsforBanking.com reserves the right to make gift substitutions of comparable value and assumes no liability for any defects in, or consequential damages relating to gift items. The warranty is the sole responsibility of the manufacturer.


Rebates Money - Top Cash Back, Bank Bonus, and Credit Cards!

To find more bonus rewards, visit Rebates Money. They have the best hot laptop deals, bank bonus coupon, credit card bonuses, and top cash back.

Top Freebies at No Cost!

These are some of the best freebies I found on the net. They are completely free and it doesn't cost you anything to sign up. Simply use a junk email to get these offers. So sign up quickly before they ran out.


  1. Free Cotton Babies Diapers
  2. Free Gillette Venus Sample
  3. Free Enfamil Baby Sample
  4. Free Zachary Candy Corn
  5. Free Coppertone Water Babies Package, details apply
  6. Free Godiva Truffle Box , details apply
  7. Free Twilight Turtle or Sleep Sheep, details apply
  8. Free Grocery Coupons and Samples
  9. Free Diet Sample Pack
  10. Free Burt's Bees Toner

Sharebuilder 3,500 Delta Skymiles Bonus

Open a Sharebuilder account and you can get 3,500 Delta SkyMiles. Make one stock purchase and you can get the 3,500 skymiles. In addition, those who are Medallian members get another 2,000 bonus skymiles.

To get an extra 500 bonus skymiles each calendar quarter, simply subscribe to their Advantage pricing program.

From the website:


* You must open a new ShareBuilder account to be eligible for the initial bonus miles. Limit one per unique customer or custodial beneficiary. SkyMiles members will receive 2,000 bonus miles after opening a new account and purchasing their first security. Medallion members will receive 3,500 bonus miles after opening a new account and purchasing their first security. If a member actively subscribes to the ShareBuilder Advantage Pricing Program, they will receive 500 additional bonus miles for every active quarter during the calendar year.


Rebates Money - The best finance forum on the web!

To find more bonus rewards, visit Rebates Money. They have the best hot deals, top bank bonus, 0% APR credit cards, and cash back stores.

Top Freebies at No Cost!

These are some of the best freebies I found on the net. They are completely free and it doesn't cost you anything to sign up. Simply use a junk email to get these offers. So sign up quickly before they ran out.


  1. Free Baby Samples
  2. Free Clorox Greenworks
  3. Free Febreze Freshener
  4. Free Glimmer Gloss Nail Enamel
  5. Free Rimmel Sweet Jelly Lip Gloss
  6. Free Special K Bliss Bars
  7. Free Diabetes Meal Planner
  8. Free $250 Grocery Card
  9. Free 40 York Photo Prints
  10. Free Neutrogena or Dove Cleansing Cloth