A little while back I had reviews Ally saving account. Here I am again on ally, this time it’s the Certificate of Deposit product that is in consideration. Ally, formerly GMAC, offers suit of banking products, from checking accounts, to CD and saving accounts. Ally offers average rates on CD accounts, and a various options. Their ‘no penalty’ CD allows you to take money out early without paying fees. The ‘high yield’ CD pays more, but has penalties if you cash out before maturity. Be careful before you apply for your account. If you are parking your cash for a…
Product reviews
Are you looking for mortgage from Amerisave or willing to consider Amerisave mortgage for refinance needs? It’s always beneficial to read reviews. Read both good and bad reviews of companies you want to establish financial relationship with. This review is based on feedback from people who refinanced through Amerisave recently. Mortgage means taking loan by pledging house to bank. Bank gives out loan amount to house owner. When house owner pays mortgage bank returns house ownership. In case house owner fails to pay mortgages bank can sell that house. It is very common for house purchases to be funded by…
A lot of frequent fliers use Southwest Rapid Rewards® Plus credit card. But is it the best travel rewards card you can get your hands on? You probably have it already and got it due to the lure of free flight. One of my friends did just that. When we studied the card closely, we found there’s not much this card has to offer other than the introductory bonus point which converts to $400 towards travel voucher. Probably not, we published a list of best 3 travel rewards cards in 2012 last month. Southwest is not one of them. Let’s…
Cash back credit cards help earning a little extra while using the cards for regular purchases. Gradually the reward nature of cash back cards is changing. We are seeing diminishing rewards every year. in 2012 most cash back credit cards are similar in nature, most of them offer 1% cash back on general purchases. A few cards offer larger cash back on specific categories. For me, I personally use Chase freedom, AMEX Blue Cash, Citi Platinum and Discover More cards. I use the card which gives maximum reward at the point of purchase. In the crowd of almost-similar cards we…
Duke energy is US-based energy company. Duke has more than 4 million customers. They own and operate nuclear power plants as well. As per latest filing, Duke earned over $14 billion in revenues and has $28 billion in market capitalization. More about the company health here. As a stock DUK should be a dream stock in your dividend portfolio with 4.6% yield. But this review is for its premier notes borrowing program, Duke’s debt instrument. What is Duke energy premier notes? Although many companies issue notes in the market for individual investor, Duke energy went a few steps ahead and…
Not often we come across banks who has rate pledges, EverBank announces at its home site that the rates for its account holders would remain in top territory. EverBank’s Yield Pledge®Promise -We promise your rates will always be in the top 5% of competitive accounts at leading banks. That means they are ensuring that you will be still a top of saving bank/Money market investor with respect to yield, even if rates go down even further in future. I liked the pledge, frankly I haven’t seen any other bank doing that. As I mentioned in my Tiaa direct Review, banks…
Serve is the American Express reply to both PayPal and Google Wallet (Amex Serve vs. PayPal). It has been criticized for not offering anything new that PayPal was not offering one year ago, and this was last year. However, just this February 16, 2012, Serve released a statement that it would be operating with the same technology as Google Wallet – making a sale or transaction through the use of smartphones and an NFC card reader. A Competition in the Offing This makes it a potential three-way race – PayPal has been at Google Wallet right from the start, after…
First up, you should know that the AMEX Platinum card is not a typical credit card – it is a charge card. This means that at the end of every month, you will have to pay for what you spent with the card in full, and no exceptions. This makes using the card pretty convenient – you don’t have to keep track of how much you owe because at the end of every month, your debt goes back to zero. This is the reason the AMEX platinum card has no APR – you have no need of one. The payback…
Foursquare is a simple app that connects people within social networks to real places. Foursquare has certain activities or games, like for example, someone frequenting a place becomes the “mayor” of the location, and so on and so forth. It can also locate friends for you aside from locations through GPS, so you know when you are within distance of a friend. As a tool for connecting people, Foursquare functions pretty well, especially by getting people outside their rooms or habits into new places, new activities and new things. At face value, that is what Foursquare is. However, if you…
Earlier we have reviewed Turbo Tax Home Edition at FPR. Now presenting the tool that I personally use for our tax return. Taxact.com. Taxact.com is an application that helps you out in preparing and filing your taxes, both in state and federal. You can run the software from a standalone desktop without Internet connection, or you can use its online version. You can get it for free, though you have to pay for it with advertisements and nag screens all the way, or you can get the editions without the advertisements after paying a fee. With all the options, you…
