Top Bank Deals and Rates

Check out Jim Otar free book’s Unveiling The Retirement Myth good until January 9, 2011. Supposedly, it’s worth “$50″ but whatever, free is free. It’s mostly targeted at DIY investors.

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You can now get an $83 ING Direct Electric Orange checking account bonus as long as you set up direct deposit. You must open by December 31, 2010 using offer code DECEM592. Along with DD, you must also make qualifying debit card purchases to get the $83 bonus.

From the website:

We’ll give you $83 to avoid checking fees.

* Click on ‘Apply Now.’ Be sure to enter your Reference Code during the account opening process.
* Earn $50: Make 3 Card purchases and/or Person2Person Payments within 45 days of account opening and your bonus will be paid on day 50.
* Earn $33 More: Set up Direct Deposit and have two Direct Deposits of at least $250 post to your Electric Orange by March 31st. Your $33 will be paid on April 8th.

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Score Watch Benefits:

• Monitors your credit report at Equifax on a daily basis and your FICO® score on a weekly basis
• Notifies you when you reach your target score or when you might qualify for a better interest rate
• Alerts you when unexpected changes to your credit report cause your FICO® score to drop
• Provides two Equifax Score Power reports each year

Score Watch Features:
Monitor your FICO® score: See your new FICO® score every time you get an alert of a change on your credit report. Find out when your FICO® score changes enough to impact the interest rate you would likely receive on a home mortgage, auto loan or home equity loan.

Timely Credit Alerts: Receive alerts via email or wireless text message when Score Watch detects important changes to your FICO® score or Equifax credit report.

Receive two Equifax Score Power reports: Receive two Score Power reports when you subscribe – one at enrollment and one to be used at any time during your subscription. In addition, you will receive two additional Score Power reports each year of your Score Watch subscription. Score Power reports include your complete Equifax Credit Report, FICO® score, FICO® score simulator and factors hurting or helping your score. Also, receive additional Score Power reports at a 30% discount while you are subscribed to Score Watch.

Credit Monitoring

• See your up-to-date FICO® score every time you receive an alert of a change to your Equifax credit report
• Get an alert when your FICO® score changes enough to qualify you for a better mortgage, auto, or home equity loan rate.
• Set a target FICO® score and receive an alert when you reach it.
• Your Equifax credit report is monitored daily for:
• Newly opened accounts
• Inquiries from applications for new credit
• Increases in account balances
• Changes in account status, such as a missed payment
• New activity on accounts that were inactive
• Newly listed public records, such as bankruptcies, court judgments, and tax liens
• Newly listed collection company records
• Changes to public records and collection company records
• Changes to the name listed on your credit report
• New addresses or phone numbers

Alerting and Reporting

• Email alerts sent out upon detection of certain changes to your credit report or FICO® score.
• Alerts can be sent as text messages to a cell phone or wireless device.
• Two Score Power reports included with your subscription, one when you enroll in Score Watch and one to be used at any time during your subscription.
• Two additional Score Power reports each year while you’re subscribed to Score Watch.
• Receive additional Score Power reports at a 30% discount while you are subscribed to Score Watch.
• Each Score Power report includes:

• Your current FICO® score
• A full explanation of the reasons hurting or helping your score
• Your complete Equifax credit report
• The FICO® score simulator, which shows you what can happen to your credit score if you pay down balances, miss payments, or transfer balances to a new credit card

Create an account at myFICO.com and sign up for the risk free 10 day trial of Score Watch. You can cancel any time before the 10 days and you won’t be charged a penny.

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$5 Video Credit for Tweeting

Get a free $5 Video on Demand Amazon credit for tweeting their message good until January 1, 2011. Good one per customer and U.S residents only.

Here’s the link:

https://www.Amazon.com/gp/feature.ht…cId=1000646031

From the website:

Welcome! Please follow these steps to get your $5 credit.

Click the button below and you will:

* Connect your Amazon.com and Twitter accounts. (If you are not already signed in, you will be prompted to do so).
* Automatically follow @amazonvideo. The message “I just got a $5 credit for instant movies and TV shows @amazonvideo. Click http://amzn.to/hh8gTP to get yours. #get5″ will be automatically tweeted from your Twitter account.

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TradeKing is one of the best online brokers in the industry with some of the lowest prices on commission with just $4.95 per trade. They consistently rank high by SmartMoney magazine on price, service, tools and research. Now you can switch to TradeKing and get up to $150 in transfer fees reimbursed.

From the website:

TradeKing will credit your account transfer fees up to $150 charged by another brokerage firm when completing an account transfer for $2,500 or more. Offer applies to new non retirement accounts that complete the transfer within 30 days of opening the TradeKing Account. Credit will be deposited to your account within 30 days of receipt of evidence of charge. TradeKing reserves the right at our sole discretion to modify or terminate this offer without prior notice. Pulling off the switch is easy. Here’s how: Open a New Account or if you already have an account, log in. Complete and print an Account Transfer Form. Mail or fax the signed Account Transfer Form to TradeKing along with a copy of your most recent statement from your previous broker. Request your account transfer reimbursement by faxing to 866.699.0563 a copy of your account statement with proof of the transfer charge. This offer cannot be combined with any other reimbursement offers including our offer to credit fees for initial funding by wire or overnight mail. Customers should consider the differences in services and transfer fees before switching their brokerage accounts.

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Those who are with OptionsHouse and enjoy their platform, why not share the love by recommending OptionsHouse to your friends. They are now giving you $50 Bonus or 10 free trades in your account.

From the website:

It’s a win-win. Your friend learns about the benefits of OptionsHouse – including competitive commissions and an intuitive trading platform with point-and-click execution. When your friend funds his or her account, you get a nice reward for minimal effort.

Simply log in and input your friends’ e-mail addresses, and we’ll send them a short invitation to join OptionsHouse. There’s no limit to the number of referral bonuses you can receive, so don’t hesitate to send to your entire extended family, college alum group, or social networking contact list.

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In efforts for job creating, tax cuts, and larger paychecks, Obama sign the new Tax Deal recently.

Read more in detail about what this means to you at Kiplinger

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The best way is to pay down your credit credit cards. FICO scores are based largely on debt to credit ratio.

About one-third of your FICO score (the score most lenders use) is based on your credit-utilization ratio, which is the total of your credit-card balances divided by the total of your credit-card limits. It’s how much you’ve charged that counts — regardless of whether you pay your balance in full each month. A good target is to use 20% or less of your available credit; a lower percentage is even better.

Read more: http://www.kiplinger.com/columns/ask…dit-score.html

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Social Security checks and other government benefits will no longer be mailed out.

Officials have settled on the dates when millions of people will no longer be able to get their Social Security and other benefit checks by mail. New recipients of benefits will have to accept paperless payments starting on May 1 of next year, three months later than first proposed. Those already on Social Security will have until March 1, 2013 to make the switch to direct deposits or a debit card.

http://www.csmonitor.com/Business/La…aperless-May-1

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