Better than the standard 100 miles / $1 of travel? I have AMEX and that seems to be what I get. I can transfer points to airline programs but the amount of miles to get a ticket seems to be high, what happened to 25,000 points = 1 free ticket?
Use a Credit Union and link your checking account to your savings account. If you are straight with your credit union they will keep you from over extending your self with loans that you cannot afford. Get one credit card American Express Blue. Some times you just have to take advantage of some of the car companies when they offer 0% or .09% loans. Good Luck!
CC Chase Freedom 5 & 1% cash back, no annual fee. Motley Fool 1% cash back, no annual fee. If you pay the balance off every month you don't pay any interest fees.
You don't have to be a member to be eligible for their banking products, just the insurance and other stuff.
If you have a job and can get direct deposit, BofA will waive the monthly fee. MyAccess Checking "how to avoid the monthly maintenance fee" directly from my online account: Meet one of the following requirements during each statement cycle: -Have at least one qualifying direct deposit made to your account each statement cycle. -Maintain an average daily balance of $1,500 or more in your account. Obviously if you are looking for a job and can't maintain $1500 in the account, you might find better (free) options. Just thought I would throw this out there. I've never had a problem with BofA in 8 years, and in fact they've waived several late payments on CC's because I simply forgot to pay them in time. I do plan on going with a more localized bank one of these days to draw better interest on my savings (when I actually have enough to make it worth it, ha).
I just noticed that Wachovia (before they became Wells Fargo) started charging me 5.99 a month to use Mint.com So long, Wachovia... I need a new bank... unless Wells Fargo will stop this charge.
There's a couple of credit unions near me... Primeway, USE, and Chartway... anybody have any experience with these?
I really like Fidelity. Their mySmart cash account is a pretty good checking/brokerage account. You get any ATM fees refunded back to you which is very convenient if you pull out cash that way. Your cash can earn interest in the same account and you can also trade stocks as well. I believe transferring money to other bank accounts is free of charge too The only downside is lack of locations, so if you deposit cash and checks frequently, it can be an issue if you live far away. Also, they do not have cash at their locations, so really the only way you can pull out cash is through ATMs.
I have capital one...as long as you have over $1k in your account, they will refund all your atm fees.....havent had any problems with them....also used chase and wells fargo in the past......i like capital one the most....
Put your savings in silver and gold while opening a checking account with a Credit Union. Don't get a credit card.
You are living pretty dangerously over the long-haul if you're going to substitute an entire savings account for investing in gold or silver. It's one thing to take a chunk of your savings and invest it, but it's no substitute for a savings account that you can depend on the money being there.
I've narrowed it down to Primeway or Smart Financial credit union. Anybody have any advice/reviews before I pull the trigger? Their products and rates seem virtually the same, but the big difference is customer service and ease of use I imagine.
I second this (including the complaint). Very handy as a "secondary" bank outside my credit union. Fidelity also offers a credit card with cash back straight to your IRA. (I still prefer discover, but I have been tempted)
Reminds me of this: <object width="480" height="385"><param name="movie" value="http://www.youtube.com/v/czpmQTobQcw?fs=1&hl=en_US"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/czpmQTobQcw?fs=1&hl=en_US" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="385"></embed></object> NSFW Language
Understand your viewpoint in allocation. However, gold and silver will continue to go up in the LONG TERM. Gold may take a nice dip coming up soon, so provides good opportunity to buy on weakness. Savings at 0% or 1% does not do anyone any good.....If you going to do do, might as well throw it in a CD or MM with no risk......
stay away from the credit cards.....hahahah....Colleges should have a core basic class on money management....instead they bring in creditor to provide credit cards and free tshirts hahahaha
Problem with not having a credit card is the fact you will have a hard time building up your credit. I've never had one, I'm 26. Limited credit history. Recently bought a truck, been paying off the lone. Found out last month they put me as a co payer, and my father as the primary when they said it was the other way around. It appears his credit had the positive payments added to it while mine has received zilch. No CC places seem to want to accept me, they say limited credit history, or insufficient. So essentially I need a CC to build up my credit....but I can't get approved. WTF.
Look into a secured credit card. You put in a deposit that acts as a collateral for the credit line you will get. I know Capital One offers a card for people with limited credit history. I believe it's a platinum card.
i've been getting service charges on both my checking and savings account monthly with wells fargo, will be switching soon. It started at $5.00 a month now up to $20.00.
