Here is how it works. You must open a new person checking account online by 12/4/2010 using the offer code: CHC220OL. You can open their free MyAccess Checking account to qualify for this promo. There are no fees on this account when you set up direct deposit. Since that is a requirement to get the $100 part of the bonus, this shouldn’t be an issue.

Once you establish direct deposit, you will receive a $100 statement credit. You must get the direct deposit going within the first 3 months of your account opening.

The rest of the bonus ($120) is paid out $20 increments when you pay your Bank of America Credit Card from your new checking account. You will receive $20 / month for 6 months each time you make that payment.

Your statement credit(s) will be applied to your credit card account within 60 days after the date of each qualifying transaction, provided that both your credit card and checking accounts are open and in good standing.

A $220 bonus is one of the larger bank bonuses that I have seen in a long time. If you are a current Bank of America credit card holder, then you should definitely jump in on this one.

Take a look at the Bank of America Promo page for more details!

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Some features of the online account are:

• No fees or minimum balance requirements
• First order of paper checks is free
• Free Online bill pay and online banking
• Free MasterCard Debit Card to access your funds
• Your ATM Fees will be reimbursed up to $10 each month
• ACH Transfer between you Capital One Checking and your existing bank

It appears that this account is available in areas that do not have physical branches. Their branches are mainly located in New York and Texas, so it is safe to assume that it should be available in most areas. It asks you for a zip code prior to allowing you to open the account, so you will know for sure right away.

Once you add in the $10 ATM reimbursement and a non-tiered interest rate, this account seems pretty competitive with the likes of Ally Bank and ING Direct’s checking account products. It also is nice that they offer paper checks. ING Direct’s electric orange checking does not allow for paper checks, so if actually having a checkbook is important to you, then you may consider opening an account here.

There is no capital one promo code for this account, but with all the features and it being a completely free account that earns interest, I think the account pretty much speaks for itself.

Checkout Capital One’s Interest Online Checking page for more details and to appy.

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When you open a new brokerage account with Tradeking, fund the account with $2500 and execute one trade, you will receive a $50 bonus credited to your account. This bonus can be used to purchase more stock or to cover future trading commissions. Since Tradeking only charges $4.95 per trades, that is essentially 10 free stock trades that you can get.

Since the stock market is down from its highs, now is definitely a good time to get in and start investing. A lot of folks tend to shy away from investing when the market is down, but they are also the ones that lose out on the cheap buying opportunities.

See the Tradeking Bonus page for more details on this offer and how to sign up.

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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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To qualify for this offer, you need to open a Chase BusinessClassic  Checking or Chase BusinessClassic Checking with Interest by August 20th and deposit a minimum of $1000 into the account within 30 days of account opening. The $100 bonus will be deposited automatically into your checking account within 10 business days after the minimum deposit requirement is met.

The Chase BusinessClassic account is a free checking account. To avoid any service fees, you need to have at least one of the following conditions:

• have 5 or more debit card purchases are posted to your checking account each statement period (withdrawals from the ATM or cash advance transactions do not qualify)
• link the checking account to a Chase Business Credit Card that is not delinquent, closed, charged off, or revoked and as long as the card balance exceeds $0 at least once during the current checking account statement cycle
• link the checking account to a Chase Premier Checking^SM or Chase Premier Platinum Checking^SM personal checking account
• maintain a monthly average balance of $4,000 to $7,500 (depending on region) in the checking account.

Check out the Chase $100 Bonus Page for more details.

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To qualify for the bonus, all you need to do is open an account, activate your Electric Orange Debit MasterCard and use it to make at least 3 signature-based purchases within 45 days of account opening. Once this is completed, your $50 bonus will automatically be deposited into your account on day 50.

ING’s Electric Orange Checking Accountis exactly what is says, a checking account without paper, meaning you don’t get a checkbook. You can pay bills online and even have a paper check mailed, but it is all initiated from your online account. All statements are paper and you get a debit card that you can use at ATM’s or anywhere Mastercard is accepted.

You also can link your current bank accounts to your Electric Checking account that allows you to easily move money in and out of your account. The account also pays some interest on your balances. The interest amount is based on the amount of money you hold in the account.

If you are in the market for an online checking account, if you can get by without a checkbook, then this may be an option for you.

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I use Penfed as my basis for mortgage rates, since they seem to have some of the lowest around. Can you believe 4.375% for a 30 year conventional mortage with no points??? I just refinanced at 4.5% and am now kicking myself since rates seem to keep dropping. If you are in a rate over 5% and want to reduce that monthly mortage payment then you may consider refinancing. You can even refiance into a lower term mortgage as the 15 year rate is at 3.875%.

If you are a believer in the dobule-dip recession that everyone thinks is coming, then you may decide to wait. Unfortuently you never know if they rates are going to go up or down. It may definetly be worth a discussion with your current lender or possibly shopping around for others.

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Tradeking is once again having it’s annual Tradeking Promo where you can get $50 when opening a brokerage account. To qualify for the promotion you need to do the following:

• Open a new brokerage account by August 31st 2010 using the following link –
• Fund the account with $2,500 or more within 30 days of account opening
• Execute any one trade within 180 days of account opening
• NOTE: $2,500 must remain in the account (minus any trading losses) for a minimum of 6 months or the credit may be surrendered

This tradeking bonus ends on August 31st, so be sure to open your account by then! So if you are on the fence about opening an account, getting $50 for free should seal the deal.

For those of you that are not familiar with Tradeking, they offer a flat $4.95 commission on stocks and options. Tradeking was founded in 2005 by the founders of Suretrade.com which was eventually sold to TDAmeritrade. All accounts are SIPC protected, so you can be sure that your money is safe.

I’ve had a Tradeking account since 2006 and use it as my primary trading account. Why spend $10 or more for a stock commission with the other guys when Tradeking offers the same service for half as much! There are no account minimums or inactivity fees. (note that in this special case to qualify for the Tradeking Promotion there is a $2500 minimum to get the free $50 but once the 6 months is up, there is no minimum balance). Check out my Tradeking Review for an indepth review of their service.

Some other cool features they offer is an ACH feature where you can move money in and out of your linked checking account. There is also a money market sweep that invests your uninvested money in a money market account that earns interest. They also offer loads of educational material to help you understand the basics of investing with stocks and options in case you are just starting out. I learned how to trade options with Tradeking very quickly using their helpful training tools. You can also send them any paper stock certificates you have to them and they will add them to your account for free. I had to use this feature once with a stock purchase plan I had for a company I worked at. It was a very simple process and I was able to trade those stocks electronically in less than 2 weeks.

As a reminder, there is no Tradeking Promotional Code required for this promotion, just click on the link below to see all the details and sign up:

You can also take a look at out Tradeking Promotions page to see all the active Tradeking Bonus items that are going on now.

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You usually have to pay for an appraisal when you refinance. A lot of people are finding that when the appraisal comes back, their house has lost so much value that they don’t have enough equity to refinance. They then end up being out the cost of the appraisal which can range anywhere from $150-$400.

If you are wanting to refinance from a 30 year to a 15 year, remember the depending how many years you have been paying on that mortgage, moving to a 15 year most likely will require a higher monthly payment. My advice would be to keep the current mortgage, but just over pay it to effectively make it a 15 year. That way if you ever come across financial issues, you can revert back to the regular (lower) payment without being on the hook to the bank for a higher amount. Sure it is no longer going to get paid in 15 years, but there is that piece of financial security that is priceless.

As always, verify closing costs first and line that up with the number of years you think you are going to stay in the home. For example if closing costs are $6000 and you only plan on being there 5 more years, well that $6000 closing costs equate to $100 per month plus compounded interest over those 5 years, if your new payment after the refinance is not $100 less than your previous payment, there is no reason to finance since it won’t benefit you.

I always use a mortgage broker. I have used the same guy since I have bought my first home back in 1995. I use him since I always have a few things that I want when I refinance. My requirements are: No Escrow, No Prepayment Penalty.  When he does his rate search, he always finds me a lender at the lowest advertised rate with this conditions. He gets paid by the lender so I pay him nothing more than I would if I found the bank myself. I highly recommend you ask around for a reputable broker to help you in your search. In most cases states have increased laws to make sure they your interests are protected when using a broker.

These are just some things to think about before refinancing. Sure the lure or 4% mortgage rates is enticing, but you should always do your research to make sure that refianncing doesn’t cost you more that your current mortgage.

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It’s as simple as that, all you have to do is apply for the card and make $100 in purchases by 9/15/2010. You will receive the gift certificate details by mail 6-8 weeks after you have met the minimum purchase requirement. You then can redeem the gift certificate at restaurant.com.

If you have never bought anything from restaurant.com, they offer discounted dining certificates to restaurants all over the country. In most cases you can find one of your favorites there and get a great deal off of the bill using their service.

The Citi Forward card is a rewards card. You will earn 5x ThankYou® Points for every $1 spent at restaurants, on books, movies and music. You also get 1 reward point for every $1 you spend on all other purchases. Even better is that you can earn up to 2,500 when you sign up for Paperless Statements.

The Citi Forward comes with 0% Intro APR on Balance Transfers for 12 months and 0% Intro APR on Purchases for 7 months. After that, the APR will be 12.99%-19.99%. This APR will vary with the market based on the Prime Rate. Both the rate and duration of this offer will be based on your creditworthiness.

There is no annual fee for this card.

See the Citi Forward Promo page for the terms and conditions of the card.

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