ETRADE Promo $25 From Complete Savings Account

The $25 ETRADE new account bonus for it’s Complete Savings Account is back again. All you need to do is open a ETRADE Complete Savings Account and fund it with at least $1.

Within 30 days of funding the account $25 will be credited to your Complete Savings Account. This deal is good through Febuary 25th 2009.

Bouns Details and Account Sign up Page

Currnetly the APY for ETRADE’s Complete Savings Account is 3.01%. This is a respectable interest rate for your savings if you need a place to park your money.

I opened this account during a previous Etrade promo. I received the $25 as they described I would. I still use this account today for the high interest rate and ease of moving money in and out with their automated ACH transfer system.

Dillyeo.com Promotion – Free $10 Gift Card with New Account

Dillyeo.com is another site, similiar to Woot.com, that offers 1 deal a day. This deal usually is 20%-30% off of what you can normally find the product for in stores. They even show you comparison prices of other online stores carrying the same item that is being offered.

Looking through Dillyeo’s past product list, they offer items in all categories from steak knives to cordless phones. And the deals seem to surpass those of Woot.

Dillyeo.com is having a 24 hour promo starting today (Tuesday, January 27th) where you can get a $10 gift card, to be used at their site, when signing up for a new account. The giftcard can be applied to any item after you add it to the shopping cart. Just enter the number in the “Redeem Gift Certificate” section to take the $10 off of your total. You must sign up before midnight on (12:00AM) Wednesday morning, January 26th to qualify for the free gift card. You have until February 8th at midnight to use gift card at Dillyeo.com.

This is a totally free offer. I just signed up and you don’t need to enter credit card info. You simply add the gift card to your card, complete your shipping info and that is it.

Dillyeo is a Chicao based company. They offer payment through credit cards, Paypal and Google checkout. They ship via UPS and FedEx. They have been featured on various Chicago News segments regarding their company, which is how I found out about them. I also spoke with Frank at Dillyeo regarding the promotion and he was very excited to be giving away the gift cards so that people can experience the site.

I have never used them before, but some of their past deals look decent and if they are going to give out $10 to try it, then I will definetly keep an eye on it. I am a sucker for these 1 deal a day sites since they can always show me something that I would purchase if it was cheaper then normal. Hey, I get a deal and feel better about myself right?

Sign Up Here For the $10 Gift Card (Be sure to sign up by 12:00AM tomorrow!!!!)

Lose your job? Then return your Hyundai!

Hyundai Motor America in a bid to get people to buy more cars in this slumping economy will let you return your newly purchased vehicle if you become unable to make your car payments.

I can’t find when this deal became effective, but it is currently running now as I talked with a Hyundai car salesmen this weekend about it.

Basically if you buy or lease a new car from Hyundai, if you fall on hard times within the first 12 months of ownership, the automaker will cover the depreciation on any returned vehicle. This assumes you have been making payments up to the time you decide to return the vehicle.

Customers must also have made at least two payments on the car already. In addition, Hyundai will only refund the depreciation on the returned car up to $7,500.

They didn’t exactly tell me how they determine if you can’t pay your car payment, but the salesman did say they will require proof of job loss or other financial hardship. So don’t plan on buying a car to drive for 12 months then give back!

After the first 12 months, customers have the option of extending the program for a fee through their dealership. Customers who pay cash for their car don’t qualify for the program, Hyundai said. So this appears that you must use their financing arm when buying the car.

This isn’t a bad deal if you are worried about your job. Worst case you are at least paying $7500 for use of the car for one year if you were to give it back at the 12 month mark. Only time will tell how this deal pays off for Hyundai, but hopefully it will help out a few of us that are struggling to make ends meet and are even more concerned about what the future will bring.

Visa Black Card for When Gold Just Won’t Do

There is a new elite credit card out on the market. This time it isn’t American Express that is offering it. Barclays Bank Delaware in partnership with VISA are offering what they are calling the Visa Black Card. These elite types of credit cards go the extra mile for those that are willing to pay for it.

They claim on the card details page that this card “is available to only 1% of U.S. Residents to ensure the highest caliber of personal service is provided to every Cardmember”. It doesn’t really explain what credit score or annual household income you need to qualify, but I am assuming that if they are only issuing this card to 1% of the US it must be a very high number.

Some of the perks of the card include:

• Limited Membership
• 24-Hour Concierge Service
• Rewards Program – 1% cash back on all purchases
• Luxury Gifts
• Access to more than 500 airport lounges in over 90 countries worldwide

The concierge service, which looks pretty interesting, offers the following services:

• Entertainment Planning – information and reservations for restaurants, health clubs, sproting events and golf tee times
• Business Services – conference and translation services, message services and computer, A/V rentals
• Travel Information & Assistance – hotel, fliight mass transit, car rental info and reservations. ATM and weathe information
• Country & City Information – sights/entertainment, tourist and shopping info
• Gift Arrangements (The one I would use the most) -Gift baskets, Floral arrangements, Specific gifts (as requested), Special occasion gift recommendations
• Specialty Services – Assistance with location and purchase of specialty items.

All of these features come at a price, however, in the form of a $495 annual fee. The card design is pleasing to the eye especially when compared to my current cards that are in my wallet. If I had $495 a year to drop on this for the annual fee I would definetly sign up for this as some of the concierge services would come in handy since I travel quite a bit for my job. These elite cards are not for everyone, but if you have the cash, the VISA Black Card is definetly worth a look.

Bye ING Direct and Hello Etrade Complete Savings

I remember a short time ago when ING had a very competitive rate on their Orange Savings accounts and hoards of people were signing up. Well it seems once they got that strong customer base they haven’t stayed competitive on the rate. Perfect example, my parents signed up with them 2 years ago and have about $50,000 in their account earning 2.5%. Trying to get them to change their account is like pulling teeth.

Well I have decided to move on from ING. All my cash is now going to Etrade’s Complete Savings Account. The Complete Savings account is a high yield savings account just like ING’s Orange Savings. The account has all the same features of ING’s Orange Savings but with a higher interest rate which is currently 3.01%. There are no fees or minimum balances to keep the account open and this account is FDIC insured up $100,000 per account.

I never had to deal with ING’s Customer Service, but I did call Etrade’s just to ask them some questions about the account before I decided to move all my money. The call was answered quickly and the customer service rep was very friendly and helpful.

You can open multiple accounts and each account only needs to have a minimum of $1 to earn interest. They offer ACH capabilities so that you can transfer money from your linked bank account. You can also set up a schedule to transfer money into (or out of) your account.

When you compate feature by feature the two savings accounts are very similiar, but when you add in the fact that Etrade consistently has a higher rate that ING, the Etrade Complete Savings Account wins hands down.

Currently in this market where interest rates are being slashed left and right, you need to stick with a bank that gives you the best possible return! Now my next step is getting my parents to switch!