PerkStreet Financial Review – Debit Rewards Card

by Ryan Guina June 24, 2010

Update: PerkStreet Financial is no longer accepting new customers. Here is a list of the best free online checking accounts. PerkStreet FinancialSM offers what is quite possibly the best nationally available rewards debit card program. The current offer is up to 2% cash back program on all purchases at select retailers, 1% cash back on […]

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Interest Rates are Dropping – What Does that Mean for You?

by Ryan Guina May 25, 2010

Currently in the U.S.A we are in a low interest rate environment. This is very advantageous for the American consumer overall, with just a few disadvantages. A few of these advantages and disadvantages will be explained in the next few paragraphs. What do low interest rates mean for consumers? Low Mortgage Rates Mortgage rates continue […]

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How to Open a Sub Account at Capital One 360

by Ryan Guina May 5, 2010

A great way to manage your budget is by using a targeted savings account for your large and/or infrequent expenses. Another term for this is a personal accrual account. A targeted savings account can be used much like a business uses a sinking fund or accrual account. You set aside money each month for major […]

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Discover Bank Review – High Interest Savings Account, CDs, Money Markets, and More

by Ryan Guina March 31, 2010

Are you looking for a new online savings account with high interest rates? Not long ago I was looking for another online savings account that offered better interest rates than I was currently getting, and easy access. My research led me to open a Discover Bank account and I thought I would share a little […]

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Emergency Fund Savings: Money Market Or Savings Account?

by Craig Ford March 5, 2010

If you have a personal finance book on your shelf at home, there is a good chance that the author recommends you put your emergency fund savings into a money market account.  Historically, that was good advice as money market accounts have offered higher interest rates than either savings accounts or checking accounts. However, for […]

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Pros and Cons of Rewards Checking Accounts

by Ryan Guina November 12, 2009

As you have probably noticed, interest rates have plummeted over the last two years. Not long ago it was easy to find saving account interest rates in the 4-5% range, and CD rates slightly higher than that. Right now the best savings accounts are offering interest rates just under 2%, which is a far cry […]

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Best Online Savings Accounts with High Yield Returns

by Ryan Guina September 14, 2009

My local bank offers a basic savings account with a 0.04% interest rate with the opportunity for a lot of fees. If you are a high roller and have a minimum of $30,000 to open an account, you can earn 0.75% interest at that bank (the interest rate “skyrockets” to 0.85% if you can bring […]

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