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Car Insurance Costs Saving Tips For New Policyholders

GuestPoster — Fri, 20 Jan 2012 10:08:05 +0000

Enclosed are some helpful points that could help new policyholders save money when renewing their car insurance policy. Read this information before you get a car insurance quote or make a call to an insurer or broker.

Do you know what you’re No Claims discount is?

The length of time that you have for your no claims discount is a very important point. Your no claims discount is one of the things that all car insurers use to work out the likelihood of you making a claim. You can find out what your current no claims status is by looking at your most recent insurance certificate. It should have your no claims bonus period enclosed. It is important to remember that the longer the no claims period you have, means the bigger the discount you can get. This is because long no claims motorists are less risk to the insurer, so they can give you a cheaper deal.

Would you consider paying more money in voluntary excess?

New policyholders that consider the option of increasing the voluntary excess contribution on their car insurance policy will cause their premium to fall in price. Changing the excess can reduce your monthly payments and save you money. But paying more in excess is a risk, because if you need to make a claim, you will have to pay the excess to the insurer when making a claim. Weigh up the options first before committing yourself, because this particular tip is not for everyone.

Where do you park your car overnight?

Where you park your car overnight can also get you a discount from some insurers. Safe and reliable parking such as a garage is the best place to keep your vehicle safe from thieves. Motorists should consider parking their car in a garage, keeping it safe and receiving a discount from the insurer as well.

For more car insurance cost saving tips visit MoneyGossip, one of the best places on the Internet for motorists to get their car insurance online.

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Zecco New Account $100 Bonus Promotion

BudgetBoy — Thu, 29 Dec 2011 03:24:54 +0000

Zecco.com, a popular discount broker, is currently offering a $100 bonus when you open a new account. You need to be referred to be eligible for this promotion. You must also fund your new account with $10,000 and leave it in the account for at least 90 days after the account opening date. There is no trading requirement to receive the bonus unlike other brokerage bonuses.

Zecco Trading offers stock traders for a flat rate of $4.95 per trade and options for $4.95 + .65 per contract. They have an ACH feature that lets you move money back and forth between your Zecco account and linked bank account. Zecco also has quite a bit of community tools, where you can see what other traders are buying and selling. This is great if you are new to the stock market as you can follow others to determine your strategy. Another nice thing about Zecco is that there are no minimum balances, inactivity fees or trading requirements on the account, so trade as little or as much as you want as you only need to pay the trading commission.

To receive a referral you can either get one from a friend, or I can refer you. If you need a referral, complete the form below and I will get you one as soon as possible. Also note that once you have an account, you can refer others and receive a $100 bonus for doing so.

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(Budgetcents.net Pledge: your email will not be used for anything other than generating a referral to you)

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OptionsXpress Bonus – $100 Bonus With New Account

BudgetBoy — Wed, 15 Sep 2010 10:03:40 +0000

The current OptionsXpress promotion promotion is still available where you can get $100 when opening a new account.

To qualify for the $100 bonus, you need to open a new OptionsXpress account with a minimum balance of $500 and execute three online trades within 12 months of account opening date. The bonus will be deposited into the new account as a $100 credit one month after those requirements are completed.

For those of you who are unfamiliar with OptionsXpress, they are a full service discount broker based out of Chicago. They were founded in 2000, so they have 10 years under their belt in terms of experience. They offer a flat commission rate or $14.95 per trade, but it gets cheaper the more trades you do a month.

I have had an account with these guys for a bout 5 years now. I actually learned to trade options by using their Options Education Center. They have great customer service and an easy to use trading interface. I also wrote an OptionsXpress Review last year, so take a look if you want more details on their service. If you are looking for a new broker or just deciding to start trading stocks, you should definitely take a look at their services.

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Another Woot Off In Progress!

BudgetBoy — Fri, 20 Aug 2010 09:52:32 +0000

Woot.com is having another of its Woot Offs right now. It started around midnight central time and will go until they run out of stuff. If you are unfamiliar with Woot.com, they are a site that offers items at a discount. Usually only one item is listed per day starting at 12am Central Time and is listed until it is sold out or 11:59PM Central Time.

A Woot Off, which happens rarely, is a number of products that are for sale on a particular day or successive days. One product follows another as soon as it has been sold out. The number of Woot-Off items, sequence, and quantity will not be announced so an item could take a while to sell out or sell out immediately. Don’t miss a chance to score some items at a steal if you have some money to blow! But remember, that I prefer you really think about saving it.

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$75 PNC Checking Account Bonus

BudgetBoy — Tue, 18 May 2010 10:54:07 +0000

PNC Bank is offering a new account promotion where you can get a $75 bonus when opening a new account. To qualify you need to open a new checking account by May 22, 2010, setup direct deposit and make 10 purchases with your PNC debit card. Note that those 10 purchases need to be signature based transactions and not pin based. The small print also mentions that the direct deposit needs to be greater than $400 and must be “made by an employer or an outside agency”

The $75 bonus will be credited to your account within 60 days after the above requirements are met.

If you want to open a free account to get this bonus, you may consider the PNC Free Checking account. With direct deposit set up, there are no minimum balance requirements or monthly service charges on the account.

For more details see the PNC Bonus Page

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$150 Bonus from American Express Premier Rewards Gold Card

BudgetBoy — Mon, 26 Apr 2010 09:49:54 +0000

There is a new bonus available from American Express Premier Rewards Gold Card where you can get 15,000 when you spend $1000 on the card within the first 3 months.

Those 15,000 points can be used for anything in the Membership Rewards catalog, but most notably they can be used for a $150 gift card at participating stores.

Premier Rewards Gold Card is a pretty decent cash back card, you get 3 times the Membership rewards when you purchase air travel, 2 times points with Groceries and Gas and 1 point per dollar on everything else. There is a $175 annual fee, but this is waived for the first year you have the card.

“Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.”

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Free Starbucks Coffee April 15th

BudgetBoy — Wed, 14 Apr 2010 10:33:47 +0000

In an effort to convert people from paper cups to reusable travel mugs to help save the environment, Starbucks is giving away free coffee on April 15th when you bring in your own mug.

Hey, that is tax day too, so if you are up all night finishing off those taxes why not wake yourself up with a free cup of joe?

The details on the promo page say that this is only available at participating locations, so you may ask first before you give them your mug!

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Alliant Credit Union Savings Still at 2%

BudgetBoy — Wed, 10 Mar 2010 10:48:29 +0000

If you are still looking for a high yield savings account that hasn’t had a rate drop in over 3 months, then you may consider Alliant Credit Union. Their Savings account is still sitting at 2% APY for the past 3 months without a drop. To get the 2% you must maintain a balance on $100 or more in the account

Their checking account is also at a decent 1.75%. To get the 1.75% you need to opt out of paper statements and have at least one monthly electronic deposit. They have an ACH feature that allows you to push and pull money to other linked accounts, which makes moving money around very painless.

Alliant is more of a cutting edge credit union, meaning they have features and benefits that other credit unions don’t. My favorite is the e-Deposit Plus. This allows you to deposit checks into your account by using a scanner. No more trips to the bank to deposit checks. Since Alliant is not located where I live, having an ATM, Checks and free online bill pay for taking money out of my account and direct deposit and e-Deposit Plus to put money back in, I never need to even go to the branch.

They don’t offer any debit rewards programs like other banks, but the high interest rates alone make up for that as you know most of those debit programs conversion rates are terrible.

Alliant Credit Union is based out of Chicago. To join you must be a member of a qualifying organization. A $25 one time membership to the National PTA is good enough to get you in which is how most people are allowed to join that don’t live or work in the Chicago area.

I have had a checking, savings, HELOC and HSA with Alliant for over 2 years now and use them as my main bank. They have excellent customer service and are always competitive with their rates. IF you have had it with banks that just offer teaser rates, or are tired of jumping through hoops in reward checking accounts to qualify for the high APY, you may take a look at Alliant Credit Union for your banking needs

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Fidelity.com Cuts Trading Commissions To $7.95

BudgetBoy — Tue, 02 Feb 2010 18:29:49 +0000

That picture says it all. Starting February 3rd, Fidelity.com has slashed their trading rates down to $7.95 for stock and options trades. Prior to this you fell either into the Silver, Bronze or Gold groups based on trading history and dollars on deposit with them, and even in that case the best tier received trades for $9.95.

This is huge when you compare them to other full service brokers. And even better when you line them up against discount brokers. I imagine that this will help Fidelity pull in a large amount of new clients. I have a Fidelity account but didn’t use them much for trading since I was in the $14.95 / trade tier. And with my measly little investments, a $28 charge to buy and sell one commodity was really cutting into my bottom line. Their new pricing cuts that in half.

Sure you can still pay less at some other discount brokers such as Optionshouse.com where it is only $2.95 / trade, but when you look at all the features Fidelity has, it is going to be a tough matchup. Look for new brokerage account bonuses to pop up all over the place to keep Fidelity from stealing their potential customers.

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Incredible Bank 2.02% High Yield Checking Account

BudgetBoy — Mon, 01 Feb 2010 11:56:34 +0000

Incredible Bank, a division of River Valley Bank, is offering a high yield checking account with a pretty decent 2.02% APY for balances up to $250,000.

There are no minimum balances required to earn the 2.02% APY, but they do require that you open your account with a minimum of $1000.

This account is set up as an electronic checking accounts similiar to ING’s Electric Orange Account where you do not receive paper checks. All payments can be done with their free online bill pay. A paper check is generated to anyone that cannot receive electronic payments, but there is no check book issued to you. It all has to be done online.

When you open an account you will receive an ATM card. Incredible Bank also rebates you the ATM surchages on the firs 3 ATM usages per day.This is pretty good since I don’t use the ATM more than 3 times a week!

They also have an ACH feature where you can link other accounts to them so you can transfer money in and out of your high yield checking account. From what I have read their transfers only take 1 day, which is extremely fast compared to other online banks. Incredible Bank, a division of River Valley Bank based in Michigan has been FCID insured since 1967. (FDIC Certificate # 19772)

If you can handle not having a paper check book, this account is a pretty good deal. Most high yield checking accounts force you to use your debit card so many times a month to qualify for the high interest and ATM rebates, but here you get it all for free. There is some speculation that this is a teaser rate which they will lower once enough people sign up. Their website does not refer to the 2.02% as anything other than their current fixed rate, but you may want to keep that in mind before you decide to jump on board.

Check out IncredibleBank.com for more details on the account.

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